HomeMy WebLinkAbout11-3121Fi' E0-OEEiCL'
ff THE PRO THONOTARY
col { MAR 13 PM 3: 39
CUMBERLAND COUNTY
PENNSYLVANIA
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK
Plaintiff
VS.
DOUGLAS E ROSS
SERLA E ROSS
No: I I, Q
COMPLAINT IN CIVIL ACTION
Defendants 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
08966465 C A Pit CXC
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK
Plaintiff
VS. Civil Action No
DOUGLAS E ROSS
SERLA E ROSS
Defendants
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. Defendants are adult individual(s) residing at the address listed
below:
DOUGLAS E ROSS
510 LAMP POST LN
CAMP HILL, PA 17011
SERLA E ROSS
510 LAMP POST LN
CAMP HILL, PA 17011
3. Defendants applied for and received a credit card bearing the
account number XXXXXXXXXXXX1740 .
4. Defendants made use of said credit card and has a current balance
due of $13062.98 , as of January 06, 2011 .
5. Defendants are 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
19.990% per annum on the unpaid balance from January 06, 2011 . 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 Defendants will pay Plaintiff's attorneys' fees.
8. Plafthtiff avers that such attorneys' fees will amount to $125.00 .
9. Although repeatedly requested to do so by Plaintiff, Defendants
have willfully failed and/or refused to pay the balance due to
Plaintiff.
Wherefore, the Plaintiff prays for Judgment in its favor and
against Defendants , DOUGLAS E ROSS AND SERLA E ROSS JOINTLY AND
SEVERALLY , in the amount of $13062.98 with interest at the rate of
19.9909.- per annum from January 06, 2011 plus attorneys' fees of
$125.00 , and costs.
fames u
WELTMAN
436 Sev
Pittsb
(412)
FAX: 1
0896 6
WEINBERG & REIS CO., L.P.A.
`th Avenue, Suite 1400
PA 15219
-7955
338-7130
C A Pit CXC
This law firm is a debt collector attemjitAg to collect this debt for
our client and any information obtained ill be used for that purpose.
New Balance Minimum Payment Due
DISCOVER $13,062.98 $13,062.98
Payment Due Date
January 10, 2011
15 SDSN6A01 0006452
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LM
CAMP HILL PA 17011-1429
Account Number ending in 1740
Enter Amount Enclosed Below
Please make check payable to Discover Card.
Minimum ymeat due includes o post due
amount of $2,135.00. Phone andMernet
payments must be made by 5:OOpm ET for same
day stin
M Qedess and make your account
information more secure with password.
protected statements only you can access.
Learn more at discover.conYpaperless.
PO BOX 6103 Illnrllnr,r,ll1lnlrrlloll
CAROL STREAM IL 60197-6103
Address, e-mail or telephone changes III ?Ilnnn,lllrlnlnnlrllrnnlllln811111114 1111 11nIIIII
Go to www.Discavw corn or print change in space above.
000001486458146742081130629800000001306298
EXHIBIT
1
uate: uecember 1, 21)10 - Closing Dale: Dim
Discover More Card Account Summary
I Account number ending in 1740
Previous Balance $13,062.98
Payments And Credits 0.00
Purchases + 0.00
Balance Transfers + 0.00
Cash Advances + 0.00
Interest Charged + 0.00
Fees Charged + 0.00
Now Balance 13,062.98
See Interest Charge Calculation section following
trans-h- for detailed APR information
Credit Line $12,500.00
CredWLine-Available 50.00-
Cash Advance Credit Line $0.00
Cash Advance Credit Line Available $0.00
CaS C Banuse Anniversary Month
June
Opening Cashbock Bonus Balance S 0.00
New Cashback Bonus This Period + 0,00
Coshbadr Bonus Balance S 0.00
To lean more, 69 in d www.Discover.com
3 Easy Ways to Contact Us
1 Access your account securely at www.Disco-'a.com
2. Call 1-800 DISCOVER (1-804347.2683)
Please how your Discover* card available
3. Write to us at Discover, PO Box 30943,
Soh Lake City, UT 84130
For MD (Telecommunications Device for the DeaQ
assistance, please call 1.800-347-7449.
ember 15, 2010
page 1 of 2
Payment Information
New Balance $13,062.98
Minimum Payment Due' $13,062.98
Payment Due Date January 10, 2011
'Includes past due amount of $2,135.00
Lab Payment Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay a lot*
fee of up to $35.00 and your purchase and balance transfer
APRs for new transactions may be increased up to the Penalty
APR of 24.99% variable.
Minirwrn 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 examDle:
f you make no Y3 - ' "ll }toy tall tfi ATwf yr u w?l «t'
tm4Frfrprgea' l?ir! ?Itktl?nrt' up.paylrtg pre
in8 this card an4. (hlltit>lehllrrW ii'i`. estimated total of
I,qch month you poj> l ibwi
Only the minimum 15 years $13,063
Payment
If you would like information about credit counseling services,
call 1.804347.1121
Manage Your Account Online at www.Discovor.com
• Access free online tools like Paydown Pksnnw to create a plan
to down your balance, securely access statements, pay
bills online and easily track all transactions
• Make your money worth moresm-find easy ways to earn
and redeem cash rewards
• NEW4 Access your account securely through-your
mobile phone
Transactions
Trans. Post
Dab Date
TOTAL FEES FOR TFRS PERIOD $ 0.00
Interest Charged TOTAL INTEREST FOR TFRS PERIOD $ 0,00
2010 Totals Year-to-Date
TOTAL FEES CHARGED IN 2010 S 362.00
TOTAL INTEREST CHARGED IN 2010 1,950.50
Continued on reverse side. D'SC•VER
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.
Print a paper copy of your statement anytime.
Sign up today at Discovercom/paperless
192010 Discover Bank, Member FDIC
PAPER.0310
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8966465
Questions? visit www.Discover.corn or
call 1.800-DISCOVER (1-800-347.2683) DISCOVER
DISCOVER
D pays to DOUGLAS ROSS
Account number ending in 1740
page 2 of 2
Interest Charge Calculation
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
ANNUAL PERCENTAGE
Current Billing Period: 15 days RATE (APR)
Purchases 19.99% V
Cash Advances 24.99%
V a Variable Rate
BALANCE SUBJECT TO INTEREST CHARGE
INTEREST RATE
$0 $0
$0 $0
Additional Important Information
Important Information. If there is more than arse page to this billing statement, see the back of each page for additional important information.
See your Candmember Agreement. Your Cardmember Agreement contains all the terms of your Account.
Lod or stolen cards. Report im nedialelyl Call 1-800.347-2683.
Whhitt To De if You Think You Find A Mlataker On Your Statereesst
IF you think there is an error on your statement, write to us at Discover, PO Box 30421, Sall Lake City, UT 841300421.
In your letter, give us the Following information:
Account information: Your name and account number.
Dollar amount: The dollar amount of the suspected error.
Description of Problem: IF you think there is an error on your bill, describe what you believe is wrong and why you believe B is a mistalte.
You must contact us within 60 days after the error appeared on r statement.
You must notify us of any potential errors in writing. You may call us, but il you do we ore not required to investigate any potential errors and you may have to
pay the amount in question.
While we investigatewhetheror ootthmebas been an errs, the followingme.true: _ _ _ _ _ _ _
We connot try to collect the amount in question, w report you as delinquent an that amount. - - -
The charge in qp,5ue?stion may remain on your statement, and we may conKnue to charge you interest on that amount. But, IF we determine that we mode a
mistake, you will nd have to pay the amount in question or any interest or other fees related to that amount.
While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
We can apply any unpaid amount against your credit limit.
Your Rights NYew Are Dissetldted Wftk Your Cmdit Card Purchases
if you are disrahsfied with the goods or services that you have purchased wish yaw credit card, and you have tried in good faith to correct the
! problem with the merchant, you may have the right not to pay the remaining amount due on she purchase.
To use this right, all of the Following must be true:
1. The purchase must have been made in your home state or within 100 miles of your current mailing addrew and the purchase price must have
been more than $50. (Note: Neither of these are necessary Y your purchase was based on an advertisement we mailed to you or if we own
the company that sold you the goods or services)
2. You must haw used your credit card far the purchase. Purchases made with cash advances from an ATM or with a check that accesses your
credit card accotnit do not qualify.
3. You must not yet have hilly paid for the purchase.
If all of the criteria above are mot and you are still dissafisfied with the purchase, contact us in writing at Discover, PO Box 30945,
Soh Lake City, UT 841300945
While we im,"19ols, the same rubs apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our
decision. Ai that point, if we think you ours an amount 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 envelope provided. Do not send cash. By sendlae your check as described
above, you authorize us to use information on your check to make an electronic fund transfer From your account at the financial institution indicated an your
,check or to process the payment as a check Iransoction. If payment is processed as an electronic fund transfer, Iles transfer will be far the amount of the check.
When we useinformation ham your check a make an electronic Fund transfer, funds may be withdrawn atom your account as soon as the some day we receive
!Your payment, and you will not receive your check back from your financial imtihstion.
The processirg of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other
address or if ad credited ta? use an envelope other than the one provided. Paymentstweved In proper Form at our processing facility by 5PM local lime on any day will
yovr Aceovnt as of Thal day. Payments received at our processingJacih ahsr 5PM local time will be credited to your Account as of the next
'day. If you haw misplaced your envelope, send your payment to Discover, PO Box 6103, CarolStream, IL 60197-6103. Please o" 7-10 cloys for delivery.
if yaw payment is returned unpaid, we reserve the right to resubmit it as an electronic debit
You can pay your minimum payment or a greater amount over the telephone and you can set up automatic payments. Call us at 1.800-347-2683. You will
need this statement and your bank account inbnmarion. You must ensure that sufficient funds am available In your bank account, and all transactions must
:comply with U. S. low. You will be asked to provide the first 5 digit of your account statement ZIP code. By entering those numbers as your electronic
?sigrwture, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize from your bank account, and to initiate
debit or credit entries a your bank account, as applicable, to correct an error in the processing of such payment. You muss loll us the amount of each payment
!or you can select an amount such as the Minimum Payment Due or the New Balance on each statement. You can cancel a payment; however we must receive
notice at least three business days in advance of the scheduled payment. You may natRy us by phone at 1-800347.2683 or by mall at the addrsu listed in the
previous porograph. If your payments vary in amount, we will tell you on each monthly statement when your payment will he mode and how much it will be.
Your automatic Payment amount may be leu than indicated on the monthly, statement based on credits or payments applied during the billing cycle.
?Credil Reporting. We may report Information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account
may be rellected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you
belisve that our report is inaccurate or incomplete
, , dwse write us at the following ackimu: Discover, PO Box 15316, Wilmington, DE 1985a5316
Please
iindicote your name, address, home telephone number and Account number.
Paying rnterest: We begin to impose Interest Charges on all transactions from the Transaction Date for the transaction shown on your 6111 g statement,
'unfeu a trans«tion is posted to your Account after the close of the billing period in which it occurs, in which case we begin a impose interest charges on that
;nonsaction from the first day of the billing period in which it Is posted to yaw Account. We continue to impose Interest Charges until The date you pay your
entire New Balance shown an your billing statement by making payments or receiving credits. If you paid the New Balance on your previous tilling statement
by the payment Due Dols shown an that billing statement, vas will not impose Interest Charges on now purchases, that is, purchases first appearing on the
current billing statement, or any portion of a nssw purchase, Poid by the Payment Due Date on your Current billing statement. We call this the 'grace Period. It
is not leu than 25 cloys. There is no grace per on balance transfers or cash advances. As more fully described in she section of your Cardmembw
!Agreement titled 'Flow We Apply Payments, we godly apply Payments to your Account based on 1M APR applicable to to balance of each transaction
!category. This means that t you do not pay the New Balance an I current billing stasement by the Payment Due Dose shown on that billing statement, then,
depending on the omoure 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 $,50 far any billing period in which Interest Charges of less than $.50
iwould otherwise be imposed.
Annual Fee. If your Account has an annual Fee, it will be billed at she begyhning of each anniversary year your Account Is open. The amount of the Fee
appears an the statement when the Fee is billed. The annual ice is not refundable unless you notify us that you wish to close your Account within 30 days of the
mailing or delivery date I the sate ut I on which the Fee is billed. You will receive this refund even t you use your Card during that period.
Now
period To do this ulate Interest Charges Daily Balance Method (including current transactions): We Figure Interest Charges For each billing
We calculate your Interest Charges separately for each balance subject to different terms (for example, standard purchases, standard cash
advances and each purchase, balance transfer and cash advance balance subject to promotional terms). We refer to tease balances as
i transaction categories.
ure use ly balance' far such transaction categoy. To get use "dolly balance ' we ta is e the bapinning {valance far each day, add any
88664 a,1 nsect errs and fees and any latitresl Charges accrued on t e p ev out day i daily balance. We user subtract any credits and poymann and
make other odjuslmenxs (including those adjuslmenn required in
the section tited 'Paying Intmew'1. In cakukling tiles daily balance For the Hrst
cloy of the billing period, we considan the'previous day's doily balance" ta haw been your bala
acs on the last day d your previous billing
period. This gives us the daily balance For each transaction category
.
We figure the Interest Charges on your Account by mulKPlying the daily balance for axle transaction ca g°fY b Y in dal odic rate, for wch
day in Iles bTling Per od. t' y P?
The total Interest Charges for the biting period are the sum of the daily Interest Charges for each transaction category tar each day during that
billing period.
When we calculate daily balances, we add a new transaction as of the Transaction Date shown on your billing statement, unless the transaction is posted to
ur Account after the closes of the billing period in which it occurs, in which case the transaction will b added to the daily balance as of the first day of the
b lling period in which it is posted a your Account All Fees charged to your Account are added to the standard purchase transaction category with the
e
exception of Cash Advance Fees which are added to the applicable cash advance transaction category and Balance Transfer Fees which are added to the
;applicable balance transfer transaction category.
Continued on reverse side. DISCOVER
Foreign Currency Fee: 2% of the U.S. dollar amount of each purchase made in a foreign currency.
Penalty APRs: Each time you fail to make a payment when due, we may, in accordance with applicable law, (i) serminase the availability of any
introductory/promotional APRs on new transactions, and (ii) increase your APRs for new transactions to variable Penalty APRs which will be determined by adding
up to an additional 5 percentage points to the otherwise applicable APR Your Penalty APR is determined based an your creditworthiness and other factors such
as your current APRs, and your account history. If your APRs for new, transactions are increased for a lase payment, the Penaky APRs will apply indefinitely.
For TDD (Telecommunications Device for the Deal) os$Wance, please call 1-800-347-7449.
Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes.
The Diuover® card is issued by Discover Bank, Member FDIC O 1TBK 172
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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 Szczvaiel, Leal Placement Account Manaeer
(Name) (Title)
of DB Servicing Corporation successor to DFS Services LLC servicing agent for Discover Bank
(Company)
plaintiff herein, that 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# 8966465
Douglas E. Ross
6011002002501740
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson
Sheriff
Jody S Smith
Chief Deputy
Richard W Stewart
Solicitor
FILED-OFFICE
°_ ,.trr h OF THE PROTHONOTARY
2011 MAR 29 PM 1: 02
CUMBERLAND COUNTY
PENNSYLVANIA
Discover Bank
Case Number
vs.
Douglas E. Ross (et al.) 2011-3121
SHERIFF'S RETURN OF SERVICE
03/25/2011 03:58 PM - Ryan Burgett, Deputy Sheriff, who being duly sworn according to law, states that on March 25,
2011 at 1558 hours, he served a true copy of the within Complaint and Notice, upon the within named
defendant, to wit: Douglas E. Ros, by making known unto Darren Ross, Son of Defendant at 510 Lamp
Post Lane, Camp Hill, Cumberland County, Pennsylvania 17011 its contents and at the same time
handing to him personally the said true and correct copy of the same.
RYAN BURG ETT, TY
03/25/2011 03:58 PM - Ryan Burgett, Deputy Sheriff, who being duly sworn according to law, states that on March 25,
2011 at 1558 hours, he served a true copy of the within Complaint and Notice, upon the within named
defendant, to wit: Serla E. Ross, by making known unto Darren Ross, Son of Defendant at 510 Lamp Post
Lane, Camp Hill, Cumberland County, Pennsylvania 17011 its contents and at the same time handing to
him personally the said true and correct copy of the same.
I, =. -
RYAN BURGETT DEP
SHERIFF COST: $59.00
March 28, 2011
SO ANSWERS,
RON R ANDERSON, SHERIFF
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK,
Plaintiff(s)
V.
DOUGLAS E. ROSS and SERLA E.
ROSS,
Defendant(s)
Docket No.: 11-3121 Civil
S
C-71
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PRELIMINARY OBJECTIONS TO
COMPLAINT
Filed on Behalf of Defendant
Counsel:
The J. Murphy Firm
210 Grant Street, #301
Pittsburgh, PA. 15219
(412)521-2000
Ashley M. Derr, Esquire
Pa. Supreme Court I.D. 306604
I
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK,
Plaintiff(s) Docket No.: 11-3121 Civil
V.
DOUGLAS E. ROSS and SERLA E.
ROSS,
Defendant(s)
CERTIFICATE OF SERVICE
I, Ashley M. Derr, counsel for the Defendant in the
above captioned matter, do solemnly swear that the foregoing
E PRELIMINARY OBJECTIONS TO COMPLAINT
BRI IN SUPPORT OF PRELIMINARY OBJECTIONS TO COMPLAINT
MOTION/REQUEST/PRAECIPE FOR ARGUMENT
were delivered by First Class, U.S. Mail, Postage Pre-Paid to the Below:
James Warmbrodt, Esq.
Weltman, Weinberg and Reis Co., LPA
436 Seventh Avenue, Suite 1400
Pittsburgh, Pa 15219
RespA4fully emitted,
As ley M. Der*
Tu sday, April 12, 2011
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK,
Plaintiff(s) Docket No.: 11-3121 Civil
V.
DOUGLAS E. ROSS and SERLA E.
ROSS,
Defendant(s)
PRELIMINARY OBJECTIONS TO COMPLAINT
And now comes the Defendant, by and through counsel, the J. Murphy
Firm and Ashley M. Derr, Esquire, and files the following Preliminary
Objections, averring in support thereof as follows:
OBJECTIONS TO CONTRACT CLAIMS
1. The Complaint references a credit agreement or contract.
2. However, the Complaint does not contain an averment as to
whether said agreement is oral or written.
3. The foregoing constitutes a violation of Pa. R.C.P. 1019(h), as
amended, which requires that "when any claim or defense is
based upon an agreement, the pleading shall state specifically if
the agreement is oral or written."
4. Accordingly, the Complaint is the proper subject of preliminary
objections pursuant to Pa. R.C.P. 1028(a)(2) for violation of Pa.
R.C.P. 1019(h).
5. Although the Complaint references a credit agreement or
contract, no copy of the alleged agreement or contract is
attached thereto.
6. The foregoing constitutes a violation of Pa. R.C.P. 1019(i).
7. Accordingly, the Complaint is the proper subject of preliminary
objections pursuant to Pa. R.C.P. 1028(a)(2) for failure to
comply with Pa. R.C.P. 1019(i).
OBJECTIONS DIRECTED TOWARD LACK OF SPECIFICITY
8. Pa R.C.P. 1019(f) requires, inter alia, that items of special
damage be pled with specificity.
9. In the context of a credit card case, items of special damage,
which are to be specifically pled, include the dates and amounts
of charges, fines, fees, interest and the like.
10. In credit card cases, the requirements of Pa. R.C.P. 1019(f) are
typically satisfied by attaching copies of an uninterrupted chain
of credit card statements, starting with a zero balance and
ending with a statement showing the amount sought in the
Complaint.
11. It is respectfully submitted that neither the Complaint, nor the
documents attached thereto, specifically plead the items of
special damage underlying this case.
12. Therefore, the Complaint is the proper subject of preliminary
objections pursuant to Pa. R.C.P. 1028(a)(20, for failure to
comply with Pa. R.C.P. 1019(f) and Pa. R.C.P. 1028(a)(3),
based upon insufficient specificity.
WHEREFORE, Defendant respectfully requests that Plaintiff's Complaint
be dismissed with prejudice or, alternatively, that the Complaint be stricken,
and the Plaintiff be required to plead over in accordance with the
Pennsylvania Rules of Civil Procedure.
Respectfully Submitted:
00P S
PRAECIPE FOR LISTING CASE FOR ARGUMENT
(Must be typewritten and submitted in triplicate) r-j
TO THE PROTHONOTARY OF CUMBERLAND COUNTY
Argument Court.)
CAPTION OF CASE
(entire caption must be stated in full)
?l SC?vQX?Ci;YI ?
V&
you 14S ?. Bass and
Se l? ?.?oss
(List the within matter for the net
C 1 -L7
c.
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No. )1-3121 (JI\A I Term
1. State matter to be argued (i.e., plaintiff's motion for new trial, defendant's demurrer to
complaint, etc.) L. _ A- 0- --17), 1 . _ _ /V _ ..1
2. Identify all counsel who will argue cases
(a) for plaintiffs:
(Name and Address)
I?-00 ) alb
(b) for defendants: will
yy 210 Grant Street, Suite 301
(10'6Ad,1;ejgA 15219
3. 1 will notify all parties in writing within two days that this case has been listed for
argument.
4. Argument Court Date:
INSTRUCTIONS:
1. Two copies of all briefs must be riled with the COURT ADMINISTRATOR
(not the Prothonotary) before argument.
2. The moving party shall file and serve their brief 12 days prior to argument.
3. The responding party shall file their brief 5 days prior to argument.
4. If argument is continued new briefs must be filed with the COURT
ADMINISTRATOR (not the Prothonotary) after the case Is rellsted.
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0 4112-1 Date:
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL ACTION
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DISCOVER BANK, a
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Plaintiff, Zo 3 .0-C-)
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DOUGLAS E. ROSS and
SERLA E. ROSS,
Defendant
TYPE OF PLEADING:
AMENDED COMPLAINT
FILED ON BEHALF OF:
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
Submitted by: Plaintiff
Sarah E. Ehasz, Esquire
Pa ID No. 86469
Weltman, Weinberg & Reis, Co, L.P.A.
436 Seventh Avenue
Suite 1400
Pittsburgh, Pa 15219
(412) 494-7955
Fax: (412) 494-7959
WWR # 8966465
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK,
Plaintiff
VS. Civil Action No. 11-3121 CIVIL
DOUGLAS E. ROSS and
SERLA E. ROSS,
Defendant
AMENDED COMPLAINT
You have been sued in court. If you wish to defend against the claims set forth in the
following pages, you must take action within twenty (20) days after this complaint and notice
are served, by entering a written appearance personally or by an attorney and filing in writing
with the court your defenses or objections to the claims set forth against you. You are
warned that if you fail to do so the case may proceed without you and a judgment may be
entered against you by the court without further notice for any money claimed in the
complaint or for any other claim or relief requested by the plaintiff. You may lose money or
property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW.
THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A
LAWYER.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE
ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY
OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO
FEE.
LAWYER REFERRAL SERVICE
CUMBERLAND COUNTY BAR ASSOCIATION
32 SOUTH BEDFORD ST
CARLISLE, PA 17013
(717) 249-3166
AMENDED COMPLAINT
AND NOW, comes the Plaintiff, DISCOVER BANK and files an Amended
Complaint, the following of which is a statement thereof.
Plaintiff is DISCOVER BANK, a corporation with offices C/O DFS SERVICES,
LLC, 6500 NEW ALBANY ROAD, NEW ALBANY, OH 43054-0000.
2. Defendants are adult individuals residing at 510 LAMP POST LANE, CAMP HILL,
PA 17011.
At all times relevant hereto, Plaintiff was engaged only in those activities, including
transacting business in interstate commerce, that shall not be considered to be doing business
in this Commonwealth, as defined by 15 Pa. C.S.A. §4122.
COUNT I-BREACH OF CONTRACT
4. The averments contained in Paragraph 1-3 are incorporated herein by reference
thereto as though herein set forth at length.
5. The Plaintiff made an offer to the Defendants to open a credit card account by
mailing a DISCOVER BANK credit card, bearing account number
XXXXXXXXXXXX1740 along with a written cardholder agreement which contained the
terms and conditions of said credit card to the Defendant. A true and correct copy of the
terms and conditions of the credit card are attached hereto and made a part hereof as Exhibit
GL 1 7)
6. Defendants subsequently accepted Plaintiff s offer to open the above credit card
account by using said card to purchase goods, merchandise, and services.
7. Defendants continued to use the credit card to purchase goods, merchandise, and
services and take cash advances.
Each month, pursuant to the terms and conditions of the cardholder agreement, the
Plaintiff sent the Defendants a monthly statement setting forth the charges and payments
made, if any, by the Defendants and the applicable interest rate. A true and correct copy of
the Defendants' monthly statements from April 12, 2004 through December 15, 2010 are
attached hereto and made a part hereof as Exhibit "2." It should be noted that statements
were not issued from February 2006 through September 2006 as the credit card had a balance
of zero during that time.
9. Pursuant to the terms and conditions of the cardholder agreement, the Defendants
were required to pay the total balance due or in the alternative the minimum monthly
payment as stated in the monthly statements sent to the Defendants.
10. Throughout the term of the account the Defendants were sent updated written terms
and conditions for the account, with the most recent applicable terms attached hereto and
made a part hereof as Exhibit "3."
11. Defendants made periodic payments on the account with the last payment made on
the aforementioned account occurring on May 31, 2010 in the amount of $260.00.
12. Defendants breached the terms and conditions of the agreement between the parties
by failing to pay the balance due or make the required monthly payment.
13. The balance due and owing to the Plaintiff on the aforementioned credit card account
as of January 6, 2011 was $13,062.98.
14. Pursuant to the cardholder agreement, the Plaintiff is entitled to continuing finance
charges on any unpaid balances as described in the cardholder agreement and set forth on the
Defendants' monthly statement.
15. The continuing interest on the Defendants' account is 19.99% per annum from
January 6, 2011.
16. Although repeatedly requested to do so by Plaintiff, Defendants have breached the
terms of the cardholder agreement by willfully failing and/or refusing to pay the principal
balance, finance charges or any part thereof to Plaintiff.
17. The Plaintiff avers that the "Default Acceleration - Collection Costs" provisions of
the cardholder agreement provides that he Defendants will pay Plaintiff's reasonable attorney
fees.
18. Plaintiff avers that such reasonable attorney fees shall amount to $125.00.
WHEREFORE, Plaintiff demands judgment in its favor and against the Defendants,
DOUGLAS E. ROSS and SERLA E. ROSS, jointly and severally, in the amount of
$13,062.98, with interest at the rate of 19.99% per annum from January 6, 2011, plus costs
and attorney's fees in the amount of $125.00.
COUNT II-UNJUST ENRICHMENT
19. The averments contained in Paragraph 1 through 18 above, are incorporated herein by
reference thereto as though herein set forth at length.
20. Defendants used their DISCOVER BANK credit card to purchased goods,
merchandise, services and take cash advances.
21. By making use of said card, the Defendants have had a benefit conferred upon them
through the use and enjoyment of those goods, merchandise and services purchased.
22. Defendants, despite requests to do so, has willfully failed to re-pay the Plaintiff the
principal balance, finance charges or any part thereof due, as set forth in the monthly
statements, attached as Exhibit "2," and as such has improperly retained the benefit(s)
conferred upon him without payment of value in return to the Plaintiff.
WHEREFORE, Plaintiff demands judgment in its favor and against the Defendants,
DOUGLAS E. ROSS and SERLA E. ROSS, jointly and severally, in an amount not in excess
of the arbitration limits.
Respectfully Submitted,
Sarah E. Ehasz,
PA I.D. 86469
WELTMAN, WEINBERG & REIS, CO.,
L.P.A.
436 Seventh Avenue
Suite 1400
Pittsburgh, PA 15219
(412) 434-7955
Fax: (412) 434-7959
WWR # 8966465
µ May. 31. 2011 2:40PM No, 0961 P. 2
VERIFICATION
Natasha Szczygiel Legal Placement Account Manager
(Name) (Title)
of DB Servicing Corporation, servicing affiliate for Discover Bank >
(Company)
does hereby verify, under penalty of perjury and subject to the penalties of 18 Pa. G.S. § 4904
relating to unsworn falsifications to authorities states, that he/she is a duly authorized representative
of plaintiff herein and authorized to make this verification, and that the facts sets forth in the
foregoing Amended Complaint are true and correct to the best of his/her knowledge and information
and that he/she is personally familiar with the account and the relationship between Discover Bank
and DB Servicing Corporation. That Discover Bank, f/k/a Greenwood Trust Company, is a FDIC-
insured Delaware State bank, and its servicing affiliate DB Servicing Corporation, extends credit
through issuance of the Discover Card. As the servicing affiliate, DB Servicing Corporation
performs a variety of services for Discover Bank including, among other things, marketing,
application approval, transaction approval, customer service, security, billing and the collection of
delinquent accounts. The collection of delinquent accounts includes the right to forward the same to
the attorneys and/or collection agencies for collection and to file suit on Discover Bank's behalf.
Both DB Servicing Corporation and Discover Bank are wholly owned subsidiaries of Discover
Financial Services.
Date cr;?
DOUGLAS E. ROSS
SERLA E. ROSS
6011002002501740
WWR#8966465
DB Servicing Corporation servicing affiliate
for Discover Bank
PO Box 3025
New Albany, OH 43054
!CARDMEMBER AGREEMENT
0
AUTOMATIC TRAVEL
ACCIDENT INSURANCE
DESCRIPTION OF COVERAGE
Please read this Agreement carefully before
using the credit card and keep it with your
records. It contains the terms and conditions
of your Prime Option Accounw some of which
may have changed from earlier materials
provided to you. In the event of any
differences, this Agreement will control.
1. AGREEMENT TERMS. The word "Card" means any one
or more Prime Option Cards issued to you or to someone
else with your authorization. The word "Account" means
your Prime Option Account. The words "you," "your" or
"yours" refer to any person or persons who are also
contractually liable under this Agreement. The words "we,'
.us" and "our" refer to Morgan Stanley Dean Writer Bank,
Inc., the issuer of the Prime Option Card. The words - ..
"Pricing Schedule" means the document accompanying
your Card and listing the-Finance Charge rates, transaction
charges and other fees that apply to your Account. The. '
Pricing Schedule is a part of this Agreement. , ,
2. ACCEPTANCE OF AGREEMENT. The use of your
Account or a Card by you or anyone whom -you authorize
or permit to use your Account or Card, or your failure to
cancel your Account within 30 days after receiving a Card,
means you accept this Agreement.
3. USE OF YOUR ACCOUNT AND THE CARD. Neither
your Account nor any Card may be used to obtain loans
to purchase, carry or trade in securities. In addition, your
Account may not be used to pay any amount you owe
under this or any other Prime Option Card Agreement
you may have with us. Prior to its use, each Card must be
signed by the person to whom it is issued. Your Account
and a Card may be used for the following purposes:
• To purchase or lease goods or services from
NOVUS• Network merchants by presenting your
Card or Account number.
•To obtain cash advances from participating financial
institutions or by means of NOVUSO Cash Network*
automated teller machines or Prime Option Checks
in accordance with such additional terms and
conditions as may be imposed from time to time
• To transfer balances from other credit card accounts
by means of balance transfer coupons or checks.
• To guarantee reservations at participating establishments.
You will be liable for guaranteed reservations that are
not canceled prior to the time the establishment ma
impost:. the resulting transaction will be treateo as
purchase.
We are not responsible and will have no liability for the
refusal of anyone to accept or honor a Card or Prime Option
Check. You must return any Card or Prime Option Checks
to us upon request.
4. OBTAINING CREDIT WITHOUT A CARD. If you (or
someone whom you authorize to use your Account or Card)
sign a sales slip, obtain a cash advance, or give the Account
number to make a purchase or obtain a cash advance
without presenting the Card (such as for a mail order or a
telephone purchase), or if you sign a Prime Option Check,
you will be liable as if the Card Itself was used by you.
S. AUTHORIZED CARD USERS. If you want to cancel
the authorized or permitted use by another person of
your Account or a Card, you must notify us in writing and
recover, and return to us cut in halt any Card in that
person's possession. You are still responsible for any
outstanding balance caused -by that person. 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). We'may disclose information
:about your Account to any person authorized or
permitted to use your Account or a Card.
,. LIABILITY FOR UNAUTHORIZED USE. If a Card
as 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
1-888-668-8767, or by writing PRIME OPTION CARD,
P.O. Box 8189, Gray, TN 37615-8189. You may be liable
for the unauthorized use of your Account or a Card. You
will not be liable for. unauthorized use that occurs after
you notify us, orally or In writing, of the loss, theft, or
possible unauthorized use. In any case, your liability will
not exceed $50.00. You also agree to assist us in
determining the facts relating to any theft or possible
unauthorized use of your Account or Card and to comply
with such procedures as we may require In connection
with our investigation.
7. CREDIT LIMB Your initial credit limit appears on the
Pricing Schedule. A portion of your credit limit, called the
cash limit i5 available for cash advances. At our discroo±
and at any time we may change your credit limit or cash
limit. We will notify you if we do, either by a separate
mailing or through the billing statement. You may request
a change to your credit limit by contacting us by telephone
or mail. You agree not to exceed or attempt to exceed
your credit limit or cash limit. Your credit limit will not be
increased by the amount of any credit balance in your
Account. Your available cash limit consists of the unused
portion of the cash limit, but it will never exceed your
available credit limit.
IL PRIME OPTION CHECKS. Prime Option Checks
may be used to purchase goods. and services or to
obtain cash up to the amount of your available cash
limit. Prime Option Checks are treated as cash
advances and will reduce your available cash limit.
Each Prime Option Check must be on the form we
have issued and must be used according to any
instructions we give you. Prime Option Checks may,
be used only by the person whose name is printed'
on them. Prime Option Checks may not be used to
pay any amount you owe under this or any other
Prime Option Card Agreement. We will not certify any
Prime Option Checks, nor will we return paid checks.
8. 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 Card. We will convert purchases and
cash advances made in a foreign currency to U.S.
Dollars at a rate existing on the date of conversion. if
you pay us in other than U.S. Dollars, we may refuse
to accept the payment or we may 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.
If your Account is a joint Account, each of you agrees
to be liable individually and jointly for the entire amount
owed on your Account.
We can accept late payments or partial payments or
checks and money orders marked "payment in full" or
with any other restrictive endorsement without losing
any of our rights under this Agreement.
189
14. MONTHLY BiLLiNG SiATEMEN1. We will send you
a billing statement after each monthly billing period in
which you have a debit or credit balance in excess of $1.00.
The billing statement will show all purchases, Prime Option
Checks, other 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 also show as of your statement date your
New Balance, available credit limit and cash limit,
Minimum Payment Due and Payment Due Date.
11. MONTHLY PAYMENT OPTIONS. You may at any
time pay the entire New Balance .shown-on your billing
statement, but each month you must pay at least the
Minimum Payment Due, except as provided in paragraph
13. Ail payments must be mailed or delivered to us by
j using the envelope enclosed with the statement or by
sending the payment to us at P.O. Box 30398, Salt Lake
City, UT 84130-0398. All payments will be applied as
determined in our discretion. We reserve the right to.
apply payments and credits to balances subject to lower
Annual Percentage Rates, such as special rate balance
transfers,-prior to balances subject to higher Annual
Percentage Rates. If you pay the entire. New Balance
shown on your billing statement by the Payment Due
Date shown on your.billing statement, you will not be
charged any Periodic Finance Charges in the billing
period covered by your next billing statement. Do not
send cash payments. There maybe a delay of up to five
days in crediting a payment if it is received at an address
other than the address provided on the billing statement.
Although we post your payments on the :date we receive
them, your available credit limit may not be restored
until the date the funds are collected by us, in order for
a payment to be credited on the date of receipt, it must
be received by 1:00 p.m. at the location specified.
Payments are posted Monday through Friday, exclusive
of holidays. All credits for payments on your Account are
subject to final payment by the institution on which the
item of payment was drawn.
12. MINIMUM PAYMENT DUE. The Minimum Payment
Due each month will be the sum of any amount past
due and the minimum monthly payment. The minimum
monthly payment each month will be the greater of
$10.00; an amount equal to a fraction of the New Balance
as set forth in the Pricing Schedule, rounded to the next
higher whole dollar amount; or an amount Nual to the
--rurrern`billirr??Tl3'd-Periodic'FinanceZharges plus $1.00,
rounded to the next higher whole dollar amount. However,
if the New Balance is less than $10.00, the minimum
monthly payment will be the amount of the New Balance.
You,can pay ahead..The Minimum Payment Due for each
monthly billing period will be reduced by the amount you
have paid in excess of the Minimum Payment Due in any
of the three previous monthly billing periods less any
portion of the excess already used to reduce payments.
However, there will be no reduction if your outstanding
balance exceeds your credit limit or if you have paid the
entire New Balance shown on your billing statement.
13. SKIP A PAYMENIC We will periodically offer you, by
a notice.on your billing statement, the opportunity to "skip
a payment" for a monthly billing period. This means that -
you will not be. required to pay the Minimum Payment'
Due shown on that billing statement. However, Finarke
Charges Oil continue to apply to the outstanding balances
in your Account, as provided in paragraph 17.
The opportunity to "skip a payment" will be offered to
you initially after your Account has been in existence for
six months, and again. six months after each time you
take advantage of the opportunity. if you do not take
advantage of the opportunity in any month in which it is
offered, we will continue to offer you the opportunity in
each successive month, until you do take advantage of the
opportunity. We will consider you to have taken advantage
of the opportunity if we do not receive, by the Payment
Due Date indicated on the billing statement which contains
the offer to "skip a payment," a payment of at least the
Minimum Payment Due shown on that billing statement.
In no event will the opportunity to "skip a payment" be
offered at any time that your Account is not current, has
not generally been paid in an acceptable manner, or is
otherwise not in good standing.
14. CREDIT BALANCES. if there is a credit balance on
your Account, we will apply It to future amounts owed or
refund it to you. We will refund any credit balance within
seven business days from receipt of your written request.
If you do not request a refund, we will automatically refund
any credit balance greater than $1.00 which remains in
your Account after two billing periods. We may charge
your Account,. and you agree to pay us, for any credit
balance that i< refunded tc VOL! in err(
IS. PALANCE TkANSFERS.1Nf may penooically oftei
you the opportunity to transfer balances from other credit
cards to your Account. The types of offers may vary.
The Annual Percentage Rates contained in each offer
will apply for. balances transferred. from other credit cards
to your Account prior to the expiration date contained in
the offer. If you attempt to transfer balances after the
expiration. date, we may.-not choose to honor your request,
treat the transaction as a cash advance or as a balance
transfer under the terms of an offer. which is outstanding
at the time the;balance is transferred at our sole discretion.
16. PROMOTIONAL RATE OFFERS. At our discretion,
we may offer you a promotional Annual Percentage Rate
that will apply to all or some usage of your Account. The
period of .time .for which the promotional rate applies may
be limited. Any promotional rate offer will be subject to
the terms. of the offer and this Agreement.
17. FINANCE CHARGES.
PERIODIC. FINANCE CHARGES
Periodic Finance Charges are imposed on purchases,
cash advances and balance transfers (except as explained
below) from the date the transaction occurs to the date
of repayment. If a transaction is posted to your Account
after the close of the billing period in which it occurs, we
'will treat the transaction as having occurred on the first day
of the billing period in which it is posted to your Account.
The Annual Percentage Rate and the corresponding
Monthly Periodic Rates described in subsections (1)
through (6) are applicable if you qualify for Preferred Pricing
as defined in subsection (7). If you do not qualify for
Preferred Pricing, the Non-Preferred Pricing Annual
Percentage Rate, as defined in subsection (7), and its
corresponding Daily Periodic Rate will apply.
CURRENT BILLING PERIOD
Periodic Finance Charges are imposed for the current
billing period on purchases, cash advances, and balance
transfers unless you paid, by the Payment Due Date, the
New Balance shown on your prior billing statement.
(1) The Balances on Which We Charge Periodic
Finance Charges.
The balances on which we charge Periodic Finance
Charges for your Account are set forth in the "Balances
Subject to Rate" section of the Pricino Schedule, and arr
exptameo below. in tnl? Apreemeni WE will sometime!
reler to these balances as "transaction categories.'
For purposes of calculating Periodic Finance Charges in
any billing.-period for any transaction category, all unpaid
Periodic Finance Charges -and Transaction Finance Charges
imposed in a previous billing: period for that transaction
category are treated as transactions in that transaction
category that•were posted to your Account during the
immediately prior billing period.
For Purchases, It'tihe Pricing Schedule indicates.."ALL
BALANCES", then the Annual. Percentage Rate shown
is applied to all purchases. if the Pricing Schedule; indicates
"RECENT" and "OLD" with corresponding Annual, Percentage
Rates, then. the Annual Percentage Rate for "RECENT"
purchases is. applied to purchases posted to your Account
during the current. billing period or the prior billing period,
and the Annual. Percentage Rate for. 'OLD'.. purchases is
applied to all other purchases. If the Pricing Schedule
indicates "THRU (month/ year)'. and "THEREAFTER" with
corresponding Annual Percentage. Rates,_.then.the "THRU
(month/year)" Annual Percentage Rate. applies to all
purchases, but only in billing periods ending during, or
before the month and year specified, and the "THEREAFTER"
Annual Percentage Rate applies in subsequent billing periods.
For.cash advances, If.the Pricing. Schedule indicates "ALL
BALANCES", then the Annual Percentage Rate shown
is applied to cash advances. If the Pricing Schedule
indicates "THRU (month/year)" and "THEREAFTER" with
corresponding Annual Percentage Rates, then the `THRU
(month/year)" Annual Percentage Rate applies to cash
advances in billing periods ending during or before the
month and year specified, and the 'THEREAFTER" Annual
Percentage Rate applies in subsequent billing periods,
For balance transfers, if the Pricing Schedule indicates
"ALL BALANCES", then the Annual Percentage Rate shown
is applied to all balance transfers. If the Pricing Schedule
indicates "RECENT" and "OLD" with corresponding Annual
Percentage Rates, then the Annual Percentage Rate for
"RECENT" balance transfers is applied to each transferred
balance in billing periods specified in the related balance
transfer offer, and the "OLD" Annual Percentage Rate
applies in subsequent billing periods. If the Pricing Schedule
indicates "THRU (month/year)" and "THEREAFTER" with
corresponding Annual Percentage Rates, then the "THRU
(month/year)" Annual Percentage Rate applies to all
balance transfers, but only in billing periods ending
during or before the month and year specified, and the
"THEREAFTER" Annual Percentage Rate applies in
subsequent billing periods. If the Pricing Schedule
indicates "NIA", then no promotional balance transfer
offer is in effect for the Account at this time.
If the transaction category shown is -other than described
above, the Pricing Schedule will describe that transaction
category.
(2) Finance Charges Determined By Monthly Periodic Rate
Finance Charges are determined using a Monthly
Periodic rate and are Computed separately for each
transaction category, but use the same method of
computation. We compute Periodic Finance Charges by
multiplying your average daily balance for each
transaction category by.the applicable Monthly Periodic
Rates. The average daily balance for each transaction
category is the sum of the daily balances for that
transaction. category for each day of the billing period
divided by the number of days in the billing.pedod. The
Monthly Periodic Rates for each billing period are 1/12" of
the Annual Percentage Rates in effect for that billing
period for each transaction category. This gives us Periodic
Finance Charges for each transaction category. At the end
of the billing period, the monthly Periodic Finance Charges
are added up for each transaction category. A minimum
Finance Charge may apply as provided in paragraph 18.
(3) Computation of Daily Balances
We compute the daily balance for each transaction
category for each day of the billing period as follows:
We start with the prior day's balance for the transaction
category. However, on the first day of the billing period
we subtract any portion of the prior day's balance that is
no longer in the transaction category; we add any portion
of the prior day's balance of any other transaction category
that is now part of this transaction category; and we add
any unpaid Transaction Fee Finance Charges that were
imposed for this transaction category in the prior billing
period. Each day we then add to the balance any
transactions in this transaction category that occur on the
current day and any Periodic Finance Charges calculated
for the prior day's balance for the transaction category. We
then. subtract any payments or credits applied against the
transaction category in the current day.
. PREVIOUS BILLING PERIOD
Periodic Finance Charges may be imposed for the
previous liilling.period on transactions that posted to your
Account during that billing period. In the Pricing Schedule,
the "Method Used to Compute the Balance" section
indicates whether this is applicable to your Account for
any or all transaction categories. If "Two-Cycle Average
Daily Balance Method, including New Transaction" is
indicated in the Pricing Schedule for a transaction
category, then Periodic Finance Charges will be imposed
for the previous billing period for that transaction category,
unless Periodic Finance Charges were already imposed for
that billing period or you paid the New Balance shown on
your previous billing statement by the Payment Due Date.
If "Average Daily Balance Method, including Neyv
Transactions" is indicated for a transaction ca egory,
then Periodic Finance Charges will not be irriposed for
the previous billing period for that transaction category.
To compute Periodic Finance Charges for the. previous
billing period, we use thesame method of calculation
that we use in calculating the Periodic Finance Charges
for the current billing period, as described above, except
that the Monthly Periodic Rate Is applied to the average
daily balance of each transaction category for the
previous billing period. These daily balances are also
computed as described above, with the "previous day's
balance" for each transaction category considered to
have been zero on the first day of the billing period.
(4) Monthly Periodic Rates
The Monthly Periodic Rates that apply to each transaction
category and their corresponding Annual Percentage
Rates are set forth in the Pricing Schedule. If, under the
"Variable Rate (Prime + margin) or Fixed" section of
the Pricing Schedule, a "P + (margin rate)" is shown
for a transaction .category, the Monthly Periodic Rate and
its corresponding Annual Percentage Rate are variable
rates determined in part by the Prime Rate, and the .
disclosures below regarding variable rates apply for that
rate. R "FIXED" is shown, the Monthly Periodic Rate and
its corresponding Annual Percentage Rate are fixed and the
disclosures below regarding variable rates do not apply.
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New Balance
DISC..'VER $10,761.87
12 S0SN6A010005179
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Minimum Payment Due Account Number ending in 1740
$216.00 Enter Amount Enclosed Below
Payment Due Date $ 1 1
May 11, 2004 Please make deck pavab o b Discover fMat?rrrm
Card or pay online rscevarcard-cam.
Go paperless and make your acoornt
information more secure vvRh pessward
pprrotected statements only you can access.
Leam more .t disco
PO BOX 71084 111181111111111121111111411
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space (?rlrllrrlrrrlrl)rrr(u((rrrl()Irrrlrr)rrlrrllrrlrrlrrlr(rrll
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458146742061107618700220000021600
Discover Platinum Card Account Summary
Closing Date: April 12, 2004 page 1 of 2
Account number ending in 1740
Payment Due Date May 11 2004
Minimum Payment Due $216.00
Credit Limit $11,500.00
Credit Available $738.00
Cash Credit Limit $5,800.00
Cash Credit Available $738.00
Previous Balance $10,871.77
Payments And Credits 220.00
Purchases + 0.00
Cash Advances + 0.00
Balance Transfers + 0.00
Finance Charges + 110.10
New Balance = $10,761.87
''an-mW-be oblw to avoid Periodic finance :barges;-sew the
reverse side for details.
Cashback Bonuse
Cashbock BonusO Anniversary
Month: June
Keep usinngg your Discover(R) Card and watch
your Cashback Bonus(R) award grow!
Remember, once yyoouur Cashbock Bonus
award is at least $20, you can redeem your
award by calling us or by koggin9 into the
Account Center at Discovercord.com.
Opening Cashback Bonus Balance $ 5.14
New Cashback Bonus This Period + 0.00
Cashback Bonus Balance $ 5.14
How Can We Help You? 1 Visit Discovercom to pay your bit for no cost, view your
P latest Account inFonmation, eam and redeem rewa?ds and more
It's your choice - 3 ways to help 2. Call 1-8004XSCOVER (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 Sak Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence-
Trans. Post
P Date
Payments and Credits Mar 28 Mar 28 PAYMENT THANK YOU $ -220.00
Information For You
Please note, the Traditional Cashback Bonus award is now called the Purchase Cashback Bonus award.
Ter ffer for current billing period: Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE
Rote is subject to the terms of the offer including expiration.
FREE Additional Cards allow you to share your credit line without sharing your card! Request FREE Additional Cards for
your spouse, college student, or anyone close to you. You'll get a lot more out of your credit line! Just call 1-800-347-5537
or visit Discovercard.com today.
Get up to 10% back on groceries with your Discover(R) Card. Plus, receive a Cashback Bonus(R) award on your other
purchases. Sign up today - call 1-800-475-9161 or visit Discovercard.com. This offer only lasts through June.
As a Discover(R) Cardmember, you can get cash quickly and easily - just about anytime, anywhere. To find the nearest cash
locations, select your P.I.N., or to order Discover Card Cash Access Checks, call 1-800-DISCOVER (1-800.347-2683). And
don't forget to visit us at Discovercard.com where you can also search for cash locations nearest you.
Important kdormatlon. N there is more than one page to the biting statement, see the back of each page for additional important information. o
Sea you CardrnembwAgreement. Your Cardmember Agreement contains all the terms of your Account.
Z
m
Lost or stolen cards. Repot immediately! Cal 1-41*117-2663. o
Billing R46 Srnsrnry. In Case of Errors or Ouestions About Your Bill: If you tlWkk your bill is wrong, or 0 you need more Wormation about a transaction on your bit white in on a C.
separate shell of paper at Discover, PO Box 30421, Saft Lake C4 UT 841340421, as soon as posside. We must hear from you no later than 60 days after we sent you the list bill en oO
which the error or problem appeared. You can telephone us, but doing so will rid preserve your rights. In your lever. give us the following ntmia6m:
You name and Account number
The dollar amount of env suspected error.
Describe the error and eo#*. I you can. why you believe there is an error . If you need more nfomnation, describe the dem you are unsure about.
You do not have to pay am amount in question while we are investigating. but you are sell obligated to pay the pans of you bill that are not in question. While we nvestigale you
question. we cared report you as delinquent or take any action to collect the amount you question.
Spatial Rule for ?redil Carl Ptrehasaiijf you have a problem with the qua!dkc'g444S Gt sorvi that you purl ases w"credd card. and you_havu hied in good faiJu to orient
4w a,Pot rW 'M mr ma-rimarm,.yorJ may rr4 have to pay the remaining am ou..ytd?.tu,.e orrihe goody survi - You lhave the prutei rv oink wmwn the yxrdia.. prase w as v ?,..,..,-- - -°... _.....__ .._. __.. ,....._......
and the purdnasewas made in your here stale a within 100 miles of your mailing address. (t we own a operane the merchant. or d we mailed you the advalsement forthe goods or
services, all purchases are covered regardless of the amount or location of purchase.)
Payt eni Send any you permit and the top portion of this statement in the envelope provided. Do not send rash. By sending you check as described above, you authorize us to
use idarmaton on you dtedk to make an electronic fund transfer from you accout at to financial institution indicated on your check or to process the payment as a check transaction.
If payment is processed as an electronic hid transfer. the transfer will be for the amount of the check. When the use information from your check to make an electneric fund transh r,
fuss may be wilAdrawn font you account as soon as the same day we receive your payment, and you will not receive you dreck back from your financial insildon.
The processing of your payment my be delayed if you send cash, arrespadence or other items with your payment t you send the payment to arty other address or it you tae an
envelope other than the one provided. Payments received n proper form at our processing facility by 5PM local time on any day will be credited to yaw Account as d trot day. Payments
received at am processing tacky after SPM local time will be credited to your Acooad as of the next day. t you have misplaced your envelope, send you payment to Discover PO Box
6103, Carol Stream. IL 60197-6103: Please allow?-10 days for deivery. It your payment is returned unpaid, we reserve the right to resubmit If as an dectionic aft
You can pay your minimum payment or a greater am tint of the telephone, and you can set up automatic payments. Cal us at 1404347-2683. You will treed his stakWnam and your
bank accord inkhmieion. You must ensure then stdicenl funds are available in you bank account, and all transactions mat comply with US. law. You will be asked b provide the first
5 digts of you aowat statement ZIP code. By entering those numbers as your electonic signature, you will be agreeing to this authorization to allow us and your bar* to deduct each
payment you authorize Irom you bank account and to MOM debit or credit entries to you bank accost, as applicable to coned an error in the processing of such payrnert You must
tell us the ammi t death payment, or you can select an amount such as the Mifrnun Payment Due or the New Balance on each statement. You can cared a payment. however we
must receive nice at least three business days in advance of the scheduled payment. You may notify us by phone at 1-804947-2683 or by mail at the atJbeas ided in the previous;
paragraph, f you payments may vary in amount we i tell you on each monthly statement when your payment will be made and how much it will be. You Automatic payment amount
may be less than indicated on the nlentty statement based on credits or payments applied during the biting cycle.
Credit Reporting. We may report niormafon about you account to credit bureaus. Late payments, missed payments, or other defaults on you accent may be rdlwed in yam credit
report. We normally report the stake and payment history of your Account to credit reporting agencies each march. I you believe that our report is inaccurate or incomplete, please write
us at the blowing address: Discover, PO Box 15316. Winhington. DE 19650-5316. Please include your name. address, lone telephone number and Account number.
Periodic Finance Charges. Except as provided below, we will impose Periodic Finance Charges on purchases, cash advances. and balanhce transfers bgnrug with the dale the
transaction dccun until the date of repayrnerd and on Old Balances unfit the dale of repayment Ohl Balances are comprised of either purchases and cash advances made on or prior to
the last day of your billing period erndng dung February 1993 or Reserve Line balances.
You can avoid payment of Pedodic Finance Charges on new purchases if you pay the New Balance shown on the Wing statement on which the purchase first appcas by the Payment
Due Date. and the Payments and Credits on the statement equal or exceed your Previous Balance. ft tall the the grace period' You do not have a grace period on balance transfers
or cash advances. Periods Finance Charges are imposed on new balance transfers and cash advances beginning with the date the transaction o ccum-
Periodic Fire" Charges are imposed on all tnansactiors and Old Balances tail the dale of repayment Repayment means payment of your entire New Balance . Nowevet. if you pay
the New Balarmoe shown orn?t.?i.,ts. ?bi!kng Aaterment by the Payment Due Dale, and the Payments and Credits ahehMh on this statement equal or exceed the Previous Balance, we Will not
impose Periodic Finance Charges on rrew puchases. that is, purchases fist appearing on tea statement. t you Account was closed as of September 27.1999, you can avoid payment
of Periodic Finance r Charges if you pay the New Balance shown on tills Statement by the Payment Due Date and the Payments and credits on this Statement equal or exceed you
Previous Balance. Ose, you wit receive a billing statement next month flat includes Periodic Finance Charges imposed until the data of repaymethl
We mmpme Periods Finance Charges each day fa purchases. rash advances. balance travelers and Old Balances (Which we refer to as transaction categories) by using the blowing
equation: Average Daly Balance x number of days in the billing period x Daily Periodic Rate (Refer to the finance charge summary on the front of your slawment lor these amount-)
Then we add all the Periodic Finance Charges for each transaction category to get the lotal Periodic Finance Charges for your AccanL The Average Dairy Balance is Sheawn as 0 6 no
Periodic Finance Charges apply to the balance in a transaction category.
V% use the Average Daily Balance (Including new tramacions) method of calculating the balance upon which we impose Pfxiodc Finance Charges. We cngrule the average daily
balance for each transaction talegaiy by adding up all the daffy balances in a billing period for a transaction category and dividing the total by the number of days in this ling cycle. ft
compute the daily balance for each transaction category on each day by first adding the hallowing to the previous day's daily balance : transactions made that day, fees changed that day,
and Periodic France Charges accrued on the prevous days defy balance: and toy then subeacrng any credits and payments that ate applied against the balance d he trar 5adtier
calego on fat der?v.
Old Ba h M& from the balance of the purchase and cash advanoe transaction categories. Special rate balance transfers and Balance Transfer Trasacbm Fee Finance
Charges are included in to daily balance twister trasaction category. Balance transfers that were subject to an filial special rate that has been terminated due to a lale payment are
also included in the category trek the initial special tale otherwise would have expired. In calculating the dally balance of the balance transfer transact on category an the fleet day of the
being period, we subtract the uryaid balance of those Balance Transfer Transaction Fee Finance Charges and balance transfers that become puchase rate balance transfers an that
day and we add that unpaid balance to am balance of the purchase transaction category.
AN fees charged to your Acooam are added to the purchase karead ion category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the cash
advance transaction category and Balance Transfer Trasacim Fee Finance Changes which are added to the balance harder transaction category. t a transaction made in a previous
billing period is itemized on the statement we consider tw transaction date to be the first day of the current billing period when we calculate your Periodic Finance Charges.
For TDD (Telecommunications Device for the teal) aesklance, cat I-M347-7449.
Discover may monitor andla record telephone calls between you and Discover represerhlafives for quality assurance purposes.
The Dscover' cad is issued by Discover Bank. Member FDIC.
OITBKO64
DISC VER
It pays to DOUGLAS ROSS
DISCOVER Account number ending in 17,40
Go green. Go paperless.
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Poperless Statements and you can help save over 70 million pages per year.
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history, complete with merchant names, locations and zip codes.
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02010 Discover Bank, M mb- FDIC
Dosing Date: April 12, 2004 page 2 of 2
GIFT SHOPPING MADE EASY Discover(R) Gift Cards simplify gih giving for Spring holidays and events. Order now at
Discovergiftcard.com. See terms and conditions for gih card purchases. Fees apply. Offer not valid to residents of CT, DC,
MA, ME and NH.
Lock Your CD Rate Today! Move fast to lock your Certificate of Deposit interest rate with Discover(R) Bank's fast, free and
secure CD Electronic Depositl N's the easy, safe way to fund a new CD or add funds to a maturing Discover CD directly
from your bank account. Just call 1-800.347-7000 and mention code: SC0404PC. Member FDIC.
F®R Charge Summary
Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Balances Rates RATES RATES CHARGES CHARGES
current billing period: 31 days
Purchases $10811.68 0.03285% 11.99% V 11.99% $110.10 s0
Cash Advances $0 0.05477% 19.99% F 19.99% $0 $0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
a R
s
PPRGRN.O610
Questions? Manage your account at Discover.com or
call 1-800-DISCOVER (1.800-347-2683).
DISCOVER New Balance
510,648.1a
12 SDSN6A01 0005180
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Minimum Payment Due Account Number ending in 1740
$213.00 Enter Amount Enclosed Below
Payment Due Date $ -?
June 11, 2004 Please make check payable to Dixovor Platinum
Card or pay online
Discovercard.com.
Go paperless and make your account
information more secure with password-
protected statements ordy you can access.
Learn more at discover cmdpaperless.
PO BOX 71084 11111 gill
CHARLOTTE NC 28272-1084
Address, e-mail or telephone charge? Print change in space ?uln?l?r?nr?r??un?n?r?m???lnrln?ulullnl??Inl?lu?l
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458146742081106481400220000021300
Discover Platinum Card Account Summary
Closing Date: May 12, 2004 page 1 of 2
Account number ending in 1740 Previous Balance $10,761.87
Payment Due Dote June 11, 2004 Payments And Credits 220.00
Minimum Payment Due $213.00 Purchases + 0.00
Credit Limit $11,500.00 Cash Advances + 0.00
Credit Available $851.00 Balance Transfers + 0.00
Cash Credit Limit $5,800.00 Finance Charges + 106.27
Cash Credit Available $851.00 New Balance $10,648.14
You may be able to avoid Periodic Finunce Charges; see the
reverse side for details.
Cashback Bonuse Opening Coshback Bonus Balance $ 5.14
New Cashback Bonus This Period + 0.00
Cashbock Bonus Balance $ 5.14
Coshback Sons Anniversary
Month: June
How Can We Help You? 1 Visit Discmaraom to pay your Gil for no cost, view your
P latest Account information, earn and redeem =and more
It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for Fast, easy selhservice
options or to speak with a Customer Service Account Manager
Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943,
For TDD (assistance for hearing impaired) see reverse side Sak Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post Dab
Payments and Credits May 9 May 9 PAYMENT THANK YOU $ -220.00
Information For You
Please riots, the Traditional Cashback Bonus award is now called the Purchase Cashback Bonus award.
Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE
RATE: 4.90%. Rate is subject to the terms of the.offer including-expiration.
Aft9fitharge Summary
Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Babnces Rates RATES RATES CHARGES CHARGES
current billing period: 30 days
Purchases $10783.94 0.03285% 11.99% V 11.99% $106.27 $0
Cash Advances s0 0.05477% 19.99% F 19.99% $0 s0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
Build your Cash6ock Bonus(R) award with every bill you pay automatically with your Discover(R) Card. Cell phone, cable
and Internet service and health clubs: you can pay so many recurring bills with your Discover Card. What a smart, easy way
to save time and money - and earn a bigger award! Visit Dixovercard.com/autobillpay to learn more.
Important Momutioo. 91 ere is more than one page to this tiling stalement see the back of each page for additional unportanit information. 09
See your CardnemberAgmemen. Your CardmemberAgreement contains all the terms of yor Aomut. co
z
Lost or stolen cards. Report immediately! Cal i410.347-2613 a
0
Billing R'hghts Sur n". In Case of Errors or Questions About Your SOL• If you lids your d7 is wrong, or t you need more information about a transaction on your bit, wide us on a
separate sheet of paper at Discover, PO Box 30421, Salt Lake Cly, UT 14130-0421, as soon as possible. We must hex from you no Wer than 60 days after we saint you the fast bit on
which the error or problem appeared. You can telephone us, but doing so will not preserve your tights. In your letter. give us the folcoring Womialbn: N
You new and Account number. o
The doter amount of the suspected error.
Describe lie enar and explain, t you can, why you believe there rs an error. It you need more infamratah, describe the item you are u stme abort.
You do not have to pay any amass in question white we are investigating, but you are still obligated to pay the parts of you bill that are net in question. While we Investigate W
question. we carrot report you as delinquent or take any action to celled lie amount you question.
Special Rul- for Crock Card Purchases: If you have a problem with the quality of goods or services that you purchases wish a credit card, and you have tried in Bred faith to coned
to problem witrriar machart: you may not have to pay the remaining amount die oifthe W3r ker? Y6u hF4 W Praect+at dirly whkth the purrhgse pRe wasmore that $50 - -
and the purchase was made in your hand state or within 100 miles of your mating address. (l we own or operate the merchant or t we mailed you the adverbmen for the goods or
services, all purchases arc covered regardless of the amount or location of purchase)
Payments. Send only your payment and the top portion of this statement in the envelope provded. Do riot send ash. By sending your died as desubed above, you aphorize us to
use information on your dhedc to make an elec"nic fund transfer from you account at the f vernal ihstikhton'xhdcaled on you died or b Room the payment as a died transaction.
If payment is pnoassed as an electronic kid transfer, to transfer will be for the amour of tine rhedc. When we use irtonimbon horn you died to make an elecm* fund transler.
funds may be withdrawn from you account as soon as the same day we receive you payment and you will not mceive your check back from your Ghendal institution
The processing of you PaNmerd may be delayed 9you !rend ash, mrtespahdehce or edher Hems with your payment, if you send the payment to any other adder or d you use an
envelope other than the on provided. Payments received in pope form at our processing faeily by 5PM bat time on any day will be credited to your Account as of that day Payments
received at our processing bcrAy after SPM bW time will be credited to your Accent as of the nerd day. N you have misplaced your envelope, send your payment to Disoover, PO Boa
6103; Card Steam. IL 6171197-6103. Please allow 7-10 days for delivery, it you payment is retuned unpaid. we rem" the right to fesubrp t as ane!ectrodcdell
You an pay your minimum payment or a greater amount of the We*ne, and you can set up automatic payments. Cal us at 1-806347-2663. You will need this statement and you
bank aoco nt information. You roust ensure that sulfiaent kinds are available in you bar* accost and all transadimns must comply with US. law. You well be add to provide the fret
5 digits d your acmhnt stalerthent LP code. By entering those numbers as your etactidnlc signahre. you will be agreeing to this authorimkon to allow us and yaw bade to deduct each
payment you autarom flan you bank account and to initiate debit or crock entries to your bade accent as applicable to carer) an error in the processing of such paymhenl. You must
tell us the amount of each payment or you an select an wow such as the Meimum Payment Due or the New Balance on act statement . You can cancel a paymeK (however we
must receive notice at least three b isness days in advance of the scheduled payment. You may notify us by phuhe at 1-800-347-2663 or by mad at the address isted'n the previms
paragraph. l your payments may vary in amount, we IN tell you on each monthly statement when your payment will be made and how much it will be. You Automatic: payment ono m
may be lens than indicated on the monthly statement based on credits or payments applied during the idling cycle.
Credit Reporting. We may report information about your account to credl bureaus. Late payments, missed payments, or other defaults on you account may be reflected in you credit
report. Yye normally report one stabs and payment thi "of your Account to credit reporting agemries each month. If you babe* to our report is inaccurate or immhplele. please write
us at the following address: Dismvw, PO Box 15316, Wilmington, DE 191f50.5316. Please ndhde your name, address, hone telephone cumber and Account amber.
Periodic: Finance Charges. Except as provided below, we will impose Peiodc Fine" Charges on puduses, ash advances, and balance era sfers beginning w& the date the
transaction o=xs until the data of mpsyrnerl and on Old Balances until to data of repayment. Old Balances are comprised of either purchases and ash advances made on or prior to
die last day of yaw bong period ending during February 1993 or Reserve Line baknces.
You can avoid payment of Periodic Finance Charges on new purchases t you pay the New Balance shown on the billing statement on which the purchase test appears by the Payment
Due Date, and the Payments and Cm is on the statement equal or exceed you Previous Balance. We at this the grace period` You do not have a grace period nn balance transfers
or ash advances. Periodic Finance Charges are imposed on new balance transfers and ash advances beginning with the data the transaction occurs.
Periodic Finance Charges are Imposed an all transactions and Old Bale oes until the date of repayment. Repayment means payment of your entire New Balance. However, if you pay
the New Balance shown on this billing statement by the Payment Due Date. and the Payments and Credts shown on this statement equal or exceed the Previous Balance, we wit not
impose Periodic, Finance Charges ern new purchases. that is, purchases first appeang on cis statement. If your Account was dosed as of September 27. 1999, you can avoid payment
of Peliodc Fuhancie Charges l you pay one New Balance shown on this Statement by the Payment Due Dale and the Payments and Credis on On statement equal or exceed your
Previous Balance. Otherwise. you will me" a baling statement next month that iidudes Parodic Finance Charges imposed until the date of repayment.
We c ompue Periodic Finance Chagas each day for purchases, ash advances, balance "nskrs and Old Balances (which we refer to as transadiah categories) by usng tw blowing
equation Aveage. Daily Balance x number of days in the bitkng period x Daily Periodic Race. tWf,,r to the finance charge summary on the trod of your statement For these a mounts )
lmem we add of hhe Periodic Finance Charges for each transaction category b get the roul Periodic Finance Charges for your Accamt. The Average Daily Balance is shown as 0 it no
Periodic Finance Charges apply to the balancer in a transaction category.
Via use the Average Daily Balance (imdudng new transactions) method of atwlairg the balance upon wdidh we impose Periodic Finance Charges. We compute the average daily
balance foreadh transaction ategory by adding up all the daily balances in a bang period for a "mom alegary and dividing the blot by the amber of days in the bung cyde. Vk
comlxle the daily balance for each transaction category on each day by frost adding the following to the previous days daily balance: transactions made that day, tees charged that day,
and Periodic Finance Chagas accrued on the previous day's daily balance: and by than subtracting any credits and payments that are applied against the balance of the transaction
=WWAM from the balance of the purchase and cash advance transaction categories. Special rate balance transfers and Bala oe Transfer Transaction Fee Finance
Charges are imduded in the dally balance transfer transaction category. Balance trances to were srbjec to an initial special rate that has bosh leminaled due to a Who payment are
also inducted in the category ur d the initial special rate otherwise would have expired, in alc lacing the defy balance of the balance transfer transaction category on the krill day at the
bRing period, ive subbed the unpaid balance of those Balance Transfer Transaction Fee Finance Charges and balance transfers that became purchase rate balance iansfers on that
day and we add that unpaid balance to the balance of the purchase transaction category.
All fees aaged to your Acmunt are added to the purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to to cash
advance transaction category and Bakince Transfer Transaction Fee Finance Charges which are added to the balance transfer transaction category . l a transaction made in a previous
biting pedod is tented on 0* stalemeK we consider the trarmacien data to be the krst day of the aurent billing period when we cddxlate your Periodic Finance Charges.
For TDD (Teleeommunicatans Device for the Deaf) assistance, call 1800.347-7449.
Discover may motor and/or record telephone cals between you art Discover representatives tell quality assurance Purposes.
The LMcover° card is issued by Oiscover Bank, Member FDIC.
OITBK064
DISC: VER
Closing Date: DOUGLAS ROSS
May 12r 2004 Account number ending in 1740
page 2 of 2
Cashback Bonus ® Award Summary
Cashback Bonus Anniversary Date; June 12 Balance
Previous Cashback Bonus Award Balance $ 5.14
Purchase Award This Period + 0.00
Cas bac Bonus Award Total 5 14
Cashback Bonus Award Balance
Award Available to Redeem
5.14
$ 0.00
8966465
Restrictions apply to the Cashback Bonus Partner offers, visit Discover.cem or call 1-800 DISCOVER (1-800.347-2683) for
details. For program details, see the Cashback Bonus rogram Terms and Conditions.
New Balance
DISCOVER $10.541.11
12 SDSN6A01 0005181
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Minimum Payment Due Account Number ending in 1740
$211.00 Enter Amount Enclosed Below
Payment Due Dote
July 11, 2004 Please make check payable to Dixaver Platinum
Card or pay online Dixovercard.corn
Go paperless and make your account
information more secure with password-
protected statements only you can access.
Learn more at discover.comlpaperiess.
PO BOX 71084 lllrrrllsrrrrrllrrIoilrrrll
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space ?rrlil?n?ur?r?lnnlu?n?nr?lllnr?n?rrlu??uln?n?rlnll
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458146742081105411100215000021100
Discover Platinum Card Account Summary
Closing Date: June 12, 2004 page 1 of 1
Account number ending in 1740
Payment Due Date July 11 2004
Minimum Payment Due $211.00
Credit Limit $11,500.00
Credit Available $958.00
Cash Credit Limit $5,800.00
Cash Credit Available $958.00
Previous Balance $10,648.14
Payments And Credits 215.00
Purchases + 0.00
Cash Advances + 0.00
Balance Transfers + 0.00
Finance Charges + 107.97
New Balance = $10,541 11
Y rn ^nr;y be onie t„ „",• i ;'•,? i 1ic 5°• nrr.N : 7nrgn>, see the
reverse side for details.
Cashback Bonuse Opening Coshback Bonus Balance $ 5.14
New Cashbock Bonus This Period + 0.00
Cashbock Bonus -Anniversary
Month: June
Keep using your Discover(R) Card and watch
your Cashback Bonus(R) award growl
Remember, once your Cashbock Bonus
award is at least $20, you can redeem your
award by calling us or by logging into the
Account Center at Discovercard.com.
Cashback Bonus Balance
5.14
How Can We Hel 1 Visit Discover.corn to pay your 69 for no case, view your
P You? latest Account information, earn and redeem rewards and more
It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy selFservice
Please have your Discover Card available. options or to speak with a Customer Service Account Manager
3. Write us at Discover Card, PO Box 30943,
For TDD (assistance For hearing impaired) we reverse side Sah Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post Date
Payments and Credits May 30 May 30 PAYMENT THANK YOU $ -215,00
Information For You
Please note, the Traditional Cashbock Bonus award is now called the Purchase Cashback Bonus award.
mane Charge Summary
Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Balances Rates RATES RATES CHARGES CHARGES
current billing period: 31 days
Purchases $10603.47 0.03285% 11.99% V 11.99% $107.97 $0
Cash Advances $0 0.05477% 19.99% F 19.99% $0 $0
The rates that apply to your Account are either fixed (F) or they may vary (V( as noted above.
Did you know that millions of credit cards are lost or stolen every year? Enjoy peace of mind by knowing The Register(R)
service is here to help you should you ever lose your credit, debit and ATM cards. Call 1-800-347-3395 to enroll today.
important Information. If tare is more than one page to this biting statement, we the back of each page for additional important information. rn
0
See yaw Cardmember Agreement Your CardinemberAgmenen oontains all the terms of yourAccounl. Z
Lost or stolen cards. Report immediately! Call 1.100-3U-2663. D
0
Billing Rights Summary. In Case of Errors or OuestiahsAbout Your 841: ff you Link you bill is wrong, or t you need mare information about a transaction on yaw bill, write us on a o
separate sheet of paper at Discover, PO Box 30421, Salt Lake City, OT 64130-0421, as soon as possible. We must hear from you no later than 60 days after we said you the first bill on oo
which the error of problem appeared. You can telephone us. but doing so will not preserve your rights. In your letter. give us the followirg information,
You name and Account number. m
The doter man of the suspected error.
Describe the error and explain. d you can, why you believe there is an errs. If you need more information, describe the item you are unsure abed.
You do not have to pay any amount n question wide we are imesligatng, but you are still obligated to pay the pans of your bit that are not in question. While we investigate your
question. we carat report you as delinquent or take any action to coley the amount you question.
tiP::-i? fieda fw!'?;ur ;and h!reitzsas: `! yrra have a;aapem wdh the quahxr.:i , r.,wa a s=?eces tthat +?u?r,v^g- c ? , car',:?xl Yrhu hive tried n goodtaitl? :?vr.;c1
- - ;he problem with rherchan, you may riot have to pay the remaining amount die on Il a; 4oW or ; ervices. You have line proiecian only w;ien ire purchase prre was more than `> ;u
and to purchase was made in your have shale or wittn 100 miles of your mating address. (If we own or operate the merchant or 0 we mailed you the adverbsainent for the goads or
services, all purchases are covered regardless of the amount or location of purchase.)
Paymmnls, Send any yaw payment and the lop portion of this statement in the envelope provided. Do not serif cash. By sending your check as described above, you autlho¢e us to
use information on your check to make an electronic lund transfer from you amount at the financial institution indicated on you dhedk or to process the payment as a dhede traosa rim.
t payment is processed as an electronic fund transfer, the transfer will be for fie amount of the deck. When we use information from you dhedk to make an dehA antic fund transfer,
funds may be withdrawn from you avant as soon as the same day vie receive yaw payment, and you wilt not receive your died bad from you financial institution.
The processing of your payment maybe delayed W you send cash, caresporMenae or other Rains wth yea payment, d you send the payment b any olher address or t you use an
envelope other then the one provided. Payments received in proper form at our Processing fatty by 5PM focal time on arty day will be credited b your Accaai as of that day. Payments
received at our processing faulty after 5PM local time wit be creed to your Acount as of to next day. If you have misplaced your envelope. send you payment to Discover, PO Box
6103, Carol Stream. K. 60197.6103. Please allow 7-10 days for delivery. t your payment is returned unpaid, we reserve the right to resubmit it as an electronicdd*
You can pay you minimum payment of a greater amount of to telephone, and you can set up sutanatc payments. Cal us at 1-800-347-2663. You will creed On statement and your
bank account ktamakion. You mist ensure that sulkiest funds are available in your bank account, and all transactions must comply with US. law. You will be asked to provide the fast
5 digits of your account statement ZIP code. By entering those numbers as your electronic signature, you will be agreeing to the authonrafon to allow us and your bark to deduct each
payment you sulhome from you bate account and to rAft debit or credit entries to your bank aco mint, as applicable to correct an error in the processing of such paym ei t. You must
fell us fie amount of each payorent or you can select an amount sum as the Mininxm Payment am or to New Balance on each statement. You can cancel a payment. however we
must receive notice at least tree business days in advance, of the scheduled payment You may notify us by phone at 1.800.347-2683 or by mail at the address fled in to previous
pwagraph. N your payments may vary in artout, we dl let you on each monthly statement when you payment will be made and how much it will be. Your Automatic payment amount
may be less tan indicated on to nor" statement based on aedts or payments applied during the biting cycle.
Credit Reporting. ft may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on you account may be relected in you credit
report. Vile normally report the stales and payment history of your Account to uedt reporting agendas each month. t you believe that our span is i acc raft or noompfefe. please wrife
us at the blowing address: Discover, PO Box 15316, VArnigbn, DE 196505316. Please include you name, address, home tdeplnre number and Aaomurt number.
Periodic Finar a Charges. Except as provided below. we will impose Periodic Finano Charges on padases. cash advances, and balance transfers beginning win the date to
transaction occurs until the date of repayment and on Old Balances urN to dale of repayment Olt Balances are comprised of enter purchases and cash advances made on or prior to
the last day of your Wong period ending during February 1993 or Reserve Line balances.
You an avoid payment of Periodic Finance Charges on new purchases t you pay the New Balance shown on the biting statement on which the purchase frsl appears by the Payment
Due Date, and the Payments and Credits on the statement equal or exceed your Previous Balance. We call this the -grace penod- You do not have a grace period an balance banslens
or cash advances. Periodic Finance Charges are imposed on new balance transfers and ash advances beginning with the date the transaction occurs.
Pence Finance Charges are imposed on ad transactors and Ofd Balances until the dale of repayment. Repayment means payment of you entire New Balance. However. t you pay
to New Balance sham on Mils billing statement by the Payment Due Date, and the Payments and Credits shown an this statement equal or exceed the Peviom Balance, we will not
impose Periodic Finance Charges co new purchases. Mal is, purchases fist appearing on this statement. t your Account was dosed as of September 27,1989. you can avoid payment
of Periodic Finance Charges t you pay the New Balance showlh on ft Statement by the Payment Due Date and the Payment and Credits on this statement equal a exceed you
Previous Balance. Otherwise. you will receive a bring statement next month that iciudes Periodic Finance Charges imposed until the date of repayment
Vie compute Periodic Finance Charges each day for purchases, cash advances. balance transfers and Old Balances (witch we refer to as transaction categories) by using the follow"
equation: Average Dally Balance x number of days in the Nang period x Daily Periodic Rate. (Refer to the finance charge summary on the tan of your statement for these amomts.)
Then we add all the Periodic Finance Charges for each transaction alegay to get the total Periodic Finance Charges for your Account. The Average Daly Balance is shown as 0 t no
Periodic Finance Charges apply to the balance in a transaction category.
We use the Average Daly Balance (including new transactions) method of calculating the balance upon winch we impose Periodc Finance Chages. We compute the average daily
balance for each transaction category by adding up all to daily balances in a titfng period for a transaction category and dividing the total by to numberd days in the biting cycle. We
compute the daily balance for each Vasalion category on each day by first adding the following to the previous days daily balance. transactions made Mat day, fees d ged that day,
and Periodic Finance Charges accrued on to previous day's dairy balance; and by then subtract leg any credits and payments that are applied against the balance of the transaction
Old Ben from the balance of the purchase and cash advance transaction categories. Special rate balance oa sfos ad Balance Transfer Transaction Fee Finance
Charges are kwiuded in the daily balance transfer transaction category. Balance transfers that were subject to an kdial special rate that has been tamihaed due b a la he payment are
also included in to category until the it" special rate otherwise would have expired. In calculating the daily balance of the ba4ance taster tansadion category on Me test day of the
billing period, we subtract to unpaid balance of those Balance Transfer Transaction Fee Finance Charges and balance transfers that become purchase rate balance transfers on tat
day and we add that unpaid balance to the balance of the purchase transaction category.
Al tees charged to your Account are added to the purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added b the cash
advance transaction alegoy and Balance Transfer Transaction Fee Finance Charges which are added to to balance transfer transaction category. If a transactor made in a previous
billing period is ienize0 on this staement we consider the transaction date to be the first day of the ascent billing period when we calculate you Periodic Finance Charges.
For TDO (Tekwmanunicatlons Device for the Dead assistance, cal 1-800.347-7449.
Discover may mornla and/or record telephone cats between you and Discover representatives for quality assurance purposes.
The Discover' card is issued by Discover Bank, Member FDIC.
OlTBKO64
New Balance
DISC VEI $10,447.25
12 SDSN6A01 0005182
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Minimum Payment Due Account Number ending in 1740
$209.00 Enter Amount Enclosed Below
Payment Due Date $
August 11, 2004 Please make check ?? lo Discover Platinum
Card or pay online 1@ Discovercard.com.
Go paperless and make your account
information more secure with password-
protected statements only you can access.
Learn more at discover con9paperless.
PO BOX 71084 1111111 file loll
CHARLOTTE NC 26272-1084
Address, e-mail or telephone charge!' Print change in space lu11111111 Ir1111111 1161111 In11111 nn11111111111131n1 1 111 16111
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458146742081104472500215000020900
Discover Platinum Card Account Summary
Closing Bate: July 12, 2004 page 1 of 1
Account number ending in
Payment Due Date
Minimum Payment Due
Credit Limit
Credit Available
Cash Credit Limit
Cash Credit Available
1740
August 11 2004
$209.00
$11,500.00
$1,052.00
$5,800.00
$1,052.00
Previous Balance $10,541 11
Payments And Credits 215.00
Purchases + 0.00
Cash Advances + 0.00
Balance Transfers + 0.00
Finance Charges + 121 14
_
New Balance = $10 447 25
You rrsay-be able to a , c d ''?ri ,die , inarici Carges, sae the
reverse side for details.
Cashback Bonuse
Cashbock Bonus® Anniversary
Month: June
Keep using your Discover(R) Card and watch
your Cashback Bonus(R) award growl
Remember once YYour Cashback Bonus
award is at least i20, you can redeem your
award by calling us or by logging into the
Account Center of Discovercord.com.
Opening Cashbock Bonus Balance $ 5.14
New Cashback Bonus This Period + 0.00
Cashback Bonus Balance $ 5.14
- your
How Can We Help You? ' Bates! A?c?ti?(' ?nn, Sam and dr re110 deem ;girds and more
It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self service
Please have Discover Card available. options or to speak with a Customer Service Account Manager
your 3. Write us at Discover Card, PO Box 30943,
For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
TD ata ns. Post
Payments and Credits Jul 4 Jul 4 PAYMENT THANK YOU f -215.00
inane Charge Summary
Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE PWANCE FlNJU4CE
Balances Rates RATES RATES CFL&JMS CHARGES
current billing period: 30 days
Purchases $10535.31 0.03833% 13.99% V 13.99% $121 14 $0
Cash Advances $0 0.05477% 19.99% F 19.99% $0 $0
The rates that apply to your Account are either fixed (F) or they may vary m as rated above
Build your Cashback Bonus(R) award with every bill you pay automatically with your Discover(R) Card. Cell phone, cable
and Internet service and health clubs: you can pay so many recurring bills with your Discover Card. What a smart, easy way
to save time and money - and earn a bigger awardl Visit Discovercard.com/aulobilpay to barn more.
Important Mfomhatim I there is more than one page b this biting statement, see the bade of each page far addwal important information. (n
Sea yo r Cardhromber Apnemant. Your CardmenhberAgmernent contain all the terms of yourAcoo nt Z
CF,
Lost or stolen cads Report immediately! Cat 1-600.347-2612. j
0
BEng RW6 Suriawy.In Case of Errors or Questions About Your ell: t you think your bit is wrong, or I you need move inbrmbon abort a transaction on your bit, wade US on a
separate sheet of paper at Discover, PO Box 30421, Sat Lake City, UT 841300421, as soon as possible. We must hear lean you no leer than 60 days after we set you the fist dl on c
which the are or problem appeared. You can telephone us bit doing so will not preserve you rights. In your letter, gm ua the following Moaaation:
Your name and Account numbs. m
The dollar amount of the suspaded are.
Describe the error and explain. I you an, why you bekeve there is an error t you need mere rdumation, describe the tern you are unsure abort.
You do not have b pay wry amount an question while we are investigating, but you are still obligated to pay the pats of your bill that are not in question. While imieskisse Your
question. we carnet report you as delinquent «take any anon to ahtect the amnurt you question.
5pac.is! 8, do, -r r rx 4i _;>id Pi r-hanks. If you' avs a probers x161 the q?VgS.t1l9 serYh,.t= libel-yr ll?!!!h?ld?"riq: -rrxaddard, r d you haya died :n
Unit problem wan O e nneichhanl you may rxt have b pay the renhaihing amxM due on Uw good or services. You have the otemorh -
p we when the #is purchase price was mate Man o
and the phxdnese was made it your how state or within 100 nits of you mailing address. (t we own or operate the merchant, or I we mailed you Ere edvaYSanaht for the goods or
s
services, all purchases are covered regardless of the amount or location of purchase.)
Payments. Sand only your payment and the tap portion of this stakenned in tie envelope pianded. Do not send cash. By sanding yaw check as deavbed above, you suMire us to
use infohnnatah on your died to make an electronic fund ba sler from your account at the firamcal institution indicated on your dhadt or to process the payrmrtas a died thareacim.
It payment is processed 8a an dectrorhic fund transfer, the traaster will be far the amount d the check When we use ilionnalm from your d" b make an sladiaic And traaka,
finds may be wulxfawnn lam you account as soon as Ore same day we receive your payment, and you will not receive your dhedt bad from your financial vrslitim.
The processing of you payment may be delayed I you said cash, correspondence or other fems wilh your payment I you send the payment to any War address or I you use an
em icipei other than the one provided. Payments received an proper form alas processing faulty by 6PM!oal fire on any day will be aedted to your AOCwrt asdOw day. Payments
r omM at ant proceesirg bak ate 5PM local !!me wil be , A- b yourAccourt as of the next day. Iyou have misplaced yourenvelope. send yaw papnent b Discover, PO Box
6103, Card SValm, IL 60197-6103. Phase allow 7-10 days for deWeiy gym pailime t is returned unpaid, we reserve the right to resubmit Ras an ekc6«ric debt
You an pay your nniniarn payahent of a greater amount of rite telephone, and you an set up automatic paymerhls. Cal us at 1400347-2663. You will need his statement and you
bank account rdmobw You must man Mat sufficient fends are &a" n your bank aowM, and all transactions must mnVly with U.S. law. You will be asked to provide the scat
5 digits of your account statement ZP coda. By entering those numbers as your electronic signature, you will W agreeing to ft a dwrizaiorr to allow ns and your bark b deduct each
psynhat you athafze from you bank account and to initiate debit or crecil entries to your bank acmun, as applicable to coned an error in Me processing of such payment. You mist
eft us Ile woo leach payrnerd, or you an seed an ennui such as the Minimum Payment Due of the Now Balance an each statement You can cancer a payment, however we
must receive rake at east three business days in advance of do scheduled payment. You may notify to by phone at 1.800347-2683 or by mail at the address WW in the previous
paragraph. If your payvrnerts may vary in amcxrvt, we * tell you on each monthly statement when your payment will be made and b w much l will be. You Aulomak peynwrht amount
may be less Man Indicated on the mor" staefneml based an credits; or paymerns applied during the billing cycle.
Crhedit Reporting. We may report ntamalar about you amount to creak meas. Late payments. missed paymenK or other debu s on your account may be reflected an your credit
report We normally spat the sbfs and payment InSloryr d your AcmM to credit reporting agencies each month If you believe Mat our report is recourses or hroonapeb, please wale
us at 8ne tdbw ing address: Discover, PO Box 15316. W knit glen, DE 19850-53% Phase include your name, address, honkie telephone number and Account number.
Periodic Finance Charges. Exce;it as provlfed below we will impose, Periodic Finance Charges on purchases. ash advances, and balance ha151as beginning with to due the
transaction occurs will the date of repayment and on Old Balances until the date of repayment. Old Balances are comprised of either purchases; and ash advances made an or prior to
the lost day of your piing period ending cluing February 1993 or Reserve Line balances.
You can avoid payment of Periodic France Charges an new purchases I you pay the New Balance shown on lie biting staement on which the purchase W appears by foe Paynhant
Due Daw, and the Paynhenls and Credits on the statement equal or exceed your Previous Balance. M all his the *grace period' You do not have a grace period on balance transfers
or cash advances. Periodic Finance Charges are imposed an new balance transfers and ash advances beginning with the date the transaction owes.
Periodic Finance Charges are imposed on all transactions and Old Balances until it* date of repayment. Repayment mars payment of your entire New Balance. However. I you pay
1M New Balance shown on to big statement by One Payment Due Oak. and the Payments and credits shown on this statement equal or exceed the Previous Balance, we wo not
impose Periodic Finance Chagas on new purdhases. !drat a, purchases fast appearing on this sbkmnent. I your Accou t was dosed as of September 27,1999, you an avoid payment
of Periodic Finance Charges d you pay the New Balance shown on this Statement by to Payment Due Date and Ire Payments and Credits an this sWernei t equal or exceed your
Previous Balance. Otherwise, you will receive a biting statement next month Inert includes Periodic Finance Charges imposed until tie dark of repayhnhent
INa cornpre Periodic Finance Ganges each day for purchases. ash advances. bob" transfers and Old Balahoes (which we refer to as transaction categories) by using am fdowirg
equation: Average Daily Balance x number of days in the biting period x Daily Periodic Rate. (Refer to the finance charge suanay on die fcvnt of your stahement for These amens.)
Then we add all to Periodic Finahce Charges for each transaction caegOry to get Ma WWI Periodic Finance Charges for you Anocunt The Average Daly Baerm is shown as 0I no
Pencick Finance Charges apply to 8ne balance in a transaction category.
M use the Average Daily Balance (including new Msaciiors) method of calculating the balance upon which we wpm Petooic Finance Charges. We compute fine average daily
balance for each Yasecic n aleM by adding nip all ft daily balances in a 1xllkg period for a transaction category and dividing he btal by the number of data in the big cycle. V&
con ule the daily balance for each tmsadw category on each day by *9 adding the blowing to the prevnauss clays defy balance: transactions made Mat dal, fees dwged fiat day.
and Periodic From Changes accrued orn the previous days daily balance: and by then subtracting any credits and payments to are applied "mist due balance of the transaction
ca"M so
d 'W from the balance of the purchase and cast advance transaction atego des. Special rate balance transfers and Balance Transfer Transition F FriahCe
01
Charges are krcuded in rite daily balance transfer transaction category. Balance transfers that were subpct to an ir" spacial nae Mat has been terminated due b able payment ate
also included In Me category until to irhilal special rate otherwise world have expired In calculating the daily balance of one balance Vaster Irmacion category on the fist day d the
billing period, we slbrad the unpaid balance d those Balance Trasfer Transaction Fee Finance Charges and balance traders Mat become purchase rate balance transers on that
day and we add Mat unpaid balance No the balance of the purchase transaction category.
AN fees changed to your Accent are added to #a purchase I asac4ar category with the exception of Cash Advance Transaction Fee Fnahm Charges which are added b the cash
advance transaction category end Balance Transfer Transaction Fee Finance Charges which are added to the balance trades transaction ategay I a transaction made in a previous
biting period is iterrnized on Ons SIaIERfeni we consider the VasacOah data to be One frst day of the current big period when we calci/ate you Periodic Fiance Charges.
For TDO (TeMmmmw4agorhs Device for the Derry assstam e, call 1-060.347-7449.
D=rover may maribf andbr record telephone arks between you and Discover representatives for quality assurance purposes.
The Dseover° cad is sued by Discover Bank, Member FDIC.
01TBK064
New Balance
DISCOVER $10,3.59
12 SDSN6A01 0005183
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LM
CAMP HILL PA 17011-1429
Minimum Payment Due Account Number ending in 1740
$208.00 Enter Amount Enclosed Bekaw
Payment Due Date $
September 11, 2004 Please make check payable to Discover Platinum
Card or pay online @ Wovercard.com.
Go paperless and make your account
Information more secure with password-
protected statements only you can access,
Learn more at discover.corrdpapedess.
PO BOX 71084 III?rrllrssrrsllsnlnllrsrll
CHARLOTTE NC 28272-1084
Address, entail or telephone change? Print change in space Inlrl?nlntlt??urln?t?nnll?Inn?ulnlulluln?nnlrlnl?
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986456146742081103645900209000020800
Discover Platinum Card Account Summary
Closing Date- August 12, 2004 page 1 of 2
Account number ending in 1740 Previous Balance $10,447.25
Payment Due Date September 11, 2004 Payments And Credits 209.00
Minimum Payment Due $208.00 Purchases + 0.00
Credit Limit $11,500.00 Cash Advances + 0.00
Credit Available $1,135.00 Balance Transfers + 0.00
Cash Credit Limit $5,800.00 Finance Charges + 126.34
Cash Credit Available $1,135.00 New Balance _
= $10,364.59
y' dblo id-eeriodic rin ,: YU Charges sa tew
reverse side for details.
Cashback Bonuse Opening Cashbock Bonus Balance $ 5.14
New Cashbock Bonus This Period + 0.00
Cashbock Bonus® Anniversary
Month: June
Cashback Bonus Balance $ 5.14
How Can We Help You? 1 Visit Discover com to pay yaw leaf for no cost, view
P latest Account information, earn and redeem =and
moro
It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self.service
options or to speak with a Customer Service Account Manager
Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943,
For TDD (assistance for hearing impaired) see reverse side Sak Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Past
Date Data
Payment and Credits Aug 4 Aug 4 PAYMENT THANK YOU $ .209,00
Information For You
Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01890%; corresponding ANNUAL PERCENTAGE
RATE: 6.90%. Rate is subject to the terms of the offer including expiration.
_ Call 1-877--353-0986 today or. visit Discovercard.com to find out if youqualify for a vakrable Balance Transfer- offer 11's a
fast and easy way to save moneyl
ARWCharge Summary
Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCEMAGE PERCENTAGE FINANCE FINANCE
Balances Rates RATES RATES CHARGES CHARGES
current billing period: 31 days
Purchases $10447.84 0.03901% 14.24% V 14.24% $126.34 $0
Cash Advances $0 0.0547711. 19.99% F 19.99% $0 $0
The rates that apply to your Account are either fixed (F) or they may vary M as noted above
By paying your bill by check, you agree to the processing of your payment electronically. If your check is processed
electronically, it is possible the funds will be withdrawn from your checking account on the some day we receive the check.
We are not enrolling you in a direct payment program; your check is still needed to initiate your payment.
Important Whinnation. 0 there is more Ihan one page to this billing statement, see the back of each page for additional important inionnation. W
Sea your Cardhrember Agreement Your CaNmember Agreement contains al the terms of your Account Z
M
Lod or stolen cards. Report imam edfaelyl Cal 1-fl00d47.2683. o
Biting Rights Summary. M Case of Enos or Questions About Your Bit If you drink your bill is wrong, or i you need more infmmtitidrh about a transaction our your bll, while us on a o
separate sheet of paper at Discover. PO Box 30421, Sat Lake City, UT 6413x0421, as soon as possible. We must hear from you no later t1a160 days titer we sent you the fast brig on °o
which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your later. give us the felewig information:
You name and Account number. W
The dollar amount of to suspected error.
Describe the error and egisirr, t you can, why you believe tee is an error. If you need more information, describe the dem you are unsure about.
You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your ht that are not in question. While we investigate your
question. we rauat report you as delinquent or take any action to collect the amount you question.
Srpxiol Rule for *rrd "A.±t P1hR.',hasm 1., you have a problem with the qua4Of goods Or serncdaJlbaLyou ,^Urf}-J: A% wilt a aA'QO Card .', y a r i -dn gowi LAh aueme0._ _ _,_ . ._..
- r" ^urlfre
""' _ .._ '^1e xn ,ui t^^rcfi::mt, you ma rrc] "ovate Oeraiitain amnur>ilhre° i 'Fa0lfilr Tx
pmbrem... y PaYJ ?ragded'.. ! punt . a'* nr?me?etha+?sb?-
and de purchase was made in your borne state or within 100 miles of you mailing address. (If we own or operate the merchant. or K we mailed you the advertisement for the goods or
services, all practises are covered rega less of the amount or location of purchase.)
Paym en& Send only your payrrent and the tap portion of this statement in the envelope provided. Do not send cash. By sending your check as described atim you ad oize us to
use information on you deck to make an electronic fund transfer from your account at the financial institution indicated on you check or to process the paymerd as a died tramacim
If payment is processed as an eecirorac lead transfer, the transfer will be for the amount of the deck. When we use information from you deck to make an dersoric find rarnsler,
finds my be withdrawn from you account as soon as the same day we receive you payment, and you will not receive your died back from your lrencial i saixtiorn.
The processig of you payrnent may be delayed Lyon send cash, artespo Bence or other items with your payment, if you send the payment b any other address or f you use an
envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local we of any day will be credited to yourAccom as of that day. Payments
received at our processing facility after SPM kcal t ne wit be credited to ymAmaml as of the next day t you have misplaced your envelope, said you paynerd to Discover. PO Book
6100, CArd Steam. IL 60197.6103. Please allow 7-10 days for delivery. l your payment Is returned unpaid, we reserve the right to resubmit it assn electronic debit
You can pay you mirimu m payment or a greater amount of the telephhone, and you can set up automatic payments. Cal us at 1-BW347-2683. You will need this sfatenert and your
bank account idorrtetian. You must ensure that sufficient funds are available in your bank aooont, and all transactions must cornply with U.S. law. You wil be asked b provide the fast
5 digts of your amount statement ZIP code. By entering those numbers as your electronic signature. you will be agreeing to this authaizatorh b allow ks and your bank to deduct each
payment you authorize from you bank account, and to W late debit or credit entries to you bank ammu, as applicable to CofRd an error in the processing of such payment You must
left us the emaat of each payment, or you an select w amount such as the Minimum Payment Due or the New Balance on each statement Yw can cancel a parrot, however we
roust receive notice at lit tree busirhess days in advance of the scheduled parrot. You may nobly us by phone at 1-M347-2683 or by mad at the address tsbd n the previous
paragraph. t your payments may vary in amount, we 1 het you on each monthly stafemert when your parrot will be mtide and how much d will be. You Automatic payment amount
may be less than indicated on the monthly, statement based on credits or payments applied do" the billing cyde-
Credit Rgmdk% We may report information about your account to credit bureaus. Late paynemis, missed payments, or oMer defauhs on your account may be reflected in your credit
report We normally report the stales and payment to lory of your Amount to credit reporting agencies each month. If you believe that our report is i acc raft or incomplete, please wife
us at the following address: Dismver• PO Box 15316. Wilmington. DE 19850-5316. Please ihdude your name, address, home telephone number and Amount number.
Periodic Fkhahce Charges. Except as provided below we will impose Periodic Finance Charges on pumihases. ash advances. and balance transfers beginning adh the date the
transaction omurs whY the date of repayment and on Old Balances until the date of repayment Old Balances are comprised of either purchases and cash advances mane on or prior to
the last day of you billing period erdkg during February 1993 or Reserve Line balances.
You an avoid payment of Periodic Finance Charges orh new purchases if you pay the New Balance shown m the billing statement on which the puedme firs appears by the Payment
Due Dale, and the Payments and Credits ern the sloWnent equal or exceed your Previous Balance. We call this the grace period' You do not have a gram period on balance transfers
or ash advances. Periodic Fierce Charges are imposed on mew balance transfers and ash advances beginrang with this date the transaction occurs.
Periodic Few" Charges are imposed on al trafsa(ti0rs and Old Balances until be date of repayment. Repayment means payment of your entire New Balance. However, l you pay
the New Balance shdwrh on in bang statement by the Payment Due Dale. and the Payments and Credits shOwm on this statement egk>af or exceed the Previous Balance, we will nol
impose Periodic Fiona Charges on new pudtases, that is, purchases fist appearing on this statement If your Account was dosed as of Seplent r 27. 1999. you can avoid payment
of Periodic Finance Cherges t you pay the New Balance shown on this Statement by the Payment Due Date and the Payrnets and Credits an this statement equal or exceed you
Previous Balance. Otherwise. you will receive a thding slatemoht next month that includes Periodic Finance Charges imposed until the data of repayment.
We compute Periodic Fiance Charges each day for purchases, ash advances, balance transfers and 04d Bafaxms (which we refer to as transaction categories) by using the following
equator: Average Daily Balance x nm6er of days in the bilkg period x Daly Periodic Rate. (Refer to the finance charge summary on the hot dyorr statement br these amounts)
Then we add al the Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges for your AccowL The Average Daily Balance is shown as 0 t m
Periodic Finance Charges apply to the balance In a transaction category.
We use the average Daily Balance including now transactions) method of calculating the balance upon which we impose Penoft Finance C rages. We oomp ie the average daily
balance for each transaction category by adding up al the dally balances in a tiling period for a transaction category and dv&g the total by the number of days in the biting cycle. We
compute the day balance or each Yarsacton category on each day by first adding the following to the "vim days daily balace: trarisadions made that day, bes charged that day,
and Periodic Finance Charges axned on the previous days daily balance: and by therm subbacfing any credits and payments that are applied against the bafana of the transaction
Old Ba@yhCE3fl MM from the balance of the purchase and cash advance transaction categories. Special rate balance transfers and Balance Transfer Transaction Fee Finance
Charges are nduded in the daily balance transfer raneaction category Balance transfers that were subject to an Initial special rate that ties been terminated due to a late payment are
also mck ded in to category until the libel special no otherwise would have expired. In atoitatirg the defy balaha of the balance traslar transaction category an lie first day of the
bill pencil, we subtract the unpaid balance of those Balance Transfer Transaction Fee Finance Charges and balance transfers that become p rdhase rate balance transfers on that
day and we add that unpaid balance to the balance of the purchase transaction category.
Al fees choged to your Amout are added to the Purchase transad ion category with the exception of Cash Advance Transaction Fee Finance Charges whack are added to the cash
advice trasoction category and Balance Transfer Transaction Fee Finance Charges which are added to the balaxr transfer transaction category If a transacion made in a previous
bk g period is iternized on this staemerd, we consider tie transaction date to be the first day of the cement biting period when we calculate your Periodic Finance Chagas.
For TDD (Tedsco mmu icatiors Device for the Dean assistance, cal 1-000.347-7449.
Discover may monitor ahdfor record telephone cos between you and Discover representatives or quality assuanm purposes
The Discovery card is issued by Discover Bank, Member FDIC.
OITBKO64
DISC 'VER• Closing Date: DOUGLAS ROSS
August 12, 2004 Account number ending in 17,40
page 2 of 2
Cashback Bonus' Award Summary
Cashback Bonus Anniversary Date: June 12 Balance
Previous Cashback Bonus Award Balance $ 5.14
Purchase Award This Period + 0.00
Cash ack Bonus Award Total 5.14
Cashback Bonus Award Balance 5.14
Award Available to Redeem $ 0,00
8966465
Restrictions apply to the Cashback Bonus Partner offers visit Dise ~xwn or call 14MOVISCOVElt (1-800-347-2683) for
details. For program details, see the Cashback Bonus Progran Terms and Conditions.
New Balance
DISC "VER s10,28458
12 SDSN6AOt 0005184
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Minimum Payment Due Account Number endirrg in 1740
$206.00 Enter Amount Enclosed Below
Payment Due Date $
October 11, 2004 Please make check payable fo Discover Pkafinum
Card or pay online ! sc?vereard.caol
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 paperiess and make your account
information more secure with pessvwrd-
ected statements only you can access.
eam more a1 discr1.S can1paperless.
PO BOX 71084 1111 loll I
CHARLOTTE NC 28272-1084
(11(1((111111(1((111(11(1(111'?((111?11 (11 (11((U(11'r1?1(11((
000001986458146742081102845800208000020600
Discover Platinum Card Account Summary
Closing Date: September 12, 2004 page 1 of 1
Account number ending in 1740 Previous Balance $10,364.59
Payment Due Date October 11 2004 Payments And Credits 208.00
Minimum Payment Due $206.00 Purchases + 0.00
Credit Limit $11,500.00 Cash Advances + 0.00
Credit Available $1,215.00 Balance Transfers + 0.00
Cash Credit Limit $5,800.00 Firwrrce Charges + 127.99
Cash Credit Available $1,215.00 New Balance $10,284.58
,Aj :ravbe o' a io ovow i r5 'vrli Fit,incn i }xxgns, se.. 0"..
reverse side for details.
Cashback Bonuse
Cashbock BonuA Anniversary
Month: June
Keep using your Discover(R) Card and watch
your Cashback Bonus(R) award grow!
Remember, once Cashbock Bonus
award is at lead 20, you can redeem your
award by calling us or by logging into the
Account Center of Discovercard.com.
Opening Cashbock Bonus Balance $ 5.14
New Cashback Bonus This Period + 0.00
Cashback Bonus Balance $ 5.14
How Can We Hel 1 Visit D6ca w eom to pay yew bill for no cost viar" you
P You? latest Account information, earn and redeem rorwrds rand more
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 hove 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.
Date:. Post
Payments and Credits Sep 9 Sep 9 PAYMENT THANK YOU $ .208.00
Information For You
Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01890%; corresponding ANNUAL PERCENTAGE
RATE: 6.90%. Rate is subject to the terms of the offer including expiration.
Ri1fiRg Charge Summary
Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE F94ANCE FRi11Na
Balances Rates RATES RATES CHARGES CHARGES
current billing period: 31 days
Purchases $10399.69 0.03970% 14.49% V 14.49% $127.99 $0
Cash Advances s0 0.05477% 19.99% F 19.99% $0 $0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
Now you can use your Discover(R) Card to pay your child's tuition at KinderCare(R) Looming Centers locations nationwidel l
Simply log on to KinderCare.com to find a KinderCare Looming Center near you or to make tuition payments with yaw
Discover Cardl
Important Information. II there is mote than one page to this billing statement see the back of each page br additional important information cn
See Your Cu*nember Agreement. Your Catdmember Agreement contains al the terms of your AcmunL co
z
Lost or stolen cards. Report immediately! Call 1.11003474613, D
0
Billing Rights Summary. In Case of Emors or Questions About Your Bit: t you link your bl is wrong, or t you creed more information about a transaction on you bit. wite us on a $
separate sheet of paper at Discover, PO Box 30421, Sat Lake City, UT 84130-0421, as soon as possible. We must hear from you no later than 60 days order we sent you the ist bill on o
which the error or problem appeared. You can telephone us, but do" so will mot preserve your nights. In your letter, give us the following information:
You name arid Account rurnber.
The dollar amount of the suspected error.
Describe the error and explain, t you can, why you believe there is an error. N you need more information, describe the item you are unsure about
You do not have to pay any amount in question while we are investigating. but you are still obligated to pay the pads of you nil that are not in question. While we investigate your
question. we cannot report you as delinquent or take any action to collect the amount you question.
3Senr i• t . -' - R edo' Card PfcdWaC;.!f yU! hti ' : xr_4) lem?v^.f- °h,° W:ftmq oce -Mm 0 %,3C0 . ihas=s?tnlh? ?d_GYd? jLK;='_'.h ' hot ion
bhe ptobkn: with the mordant. you may not nave a pay the remaniiq amount due or, C:e good or services. You have the protector: only when the pwxdase WN2 was nxxe tai, 55::
and the purchase was made in you home state or within 100 miles of your mating address. (t we own oroperate the mordant or 9 we mailed you the advertisement for the goods or
services, all purchases are covered regardless of the amount or location of purchase.)
Patinerts. Send only your payment and the top portion of this statement in the envelope provided. Do rat send rash. By sending you check as described above, you autaize us a
use information on you check b make an electronic fund transfer from you accesd at the financial institution indicated on your check or to process the payment as a deck transaction.
If payment is processed as an electronic fuel transfer, the transfer will be for the amount of the check. When we use infomaion from you check to make an electronic fund transfer.
funds may' be withdrawn from you account as soon as the same day we receive your payment, and you will not receive year died back from you financial institution.
The processing of you payment may be delayed if you send ash, correspondence or other tae with you payment, if you seed the payment to any other address or t you use an
envelope other tan the one provided. Payrterts recewed in proper format our processing laaty by 5PM local Ume on any day will be credited to ywrAemut as d catchy. Payments
received a our p msng bakly alley 5PM kcal time wit be aedied to W m o as olhue rhexl day t you have misplaced you envelope. send you payment to Dismver, PO Box
6103, Carol Sbea t, IL 60197-6103. Please allow 7-10 days for delivery. It your payment Is returned unpaid, we reserve the right to rewtnx7 it as an etectionic debt
You can pay your minimum payment or a greater amount of the telephone, and you an set up automatic payments. Call us at 1-8110-347-2683.1bu will need this stulaned and you
bank acmund itomatio n. You must ensure that sulada t kinds are available in you bank account, ant all bansactiorhs must comply with U.S. law. You will be asked to provide the first
5 digits of your account statement ZIP code. By erring those rsmbers as your electronic signature, you will be agreeing to this authorization to allow to and your bate to deduct each
payment you aft m from you bank account and to initiate debit or credit entries to you bank accent, as applicable to limed an error in the pocessing of such paynnent You must
tell us the amount of each payment, or you can select an amount such as the Minimum Payment Due or the New Balance on each statement You an canal a payment however we
must receive notice at least tree business days in advance of the scheduled payment You may notify us by phone at 1-B00-347-2683 or by mail at the address listed in the previous
paragraph. It your paymhans may vary in amount we l het you on each monthly statement wdion your payment will be made and taw much it wilt be. Your Automatic payment amount
may be mss than indicated on the monthly statement based on credits or payments applied dung to billing cycle.
Cr*M Repontng. We may report nfonwtm about you amount to credit bursars. Las payments, missed payments, or other defouts on your amount may be related in yam credit
report. Nlo nurmaly repot the slams and payment history of your Account to credit reporting agencies each month. If you believe that our report is inacaxate or incanplele, please writs
us at the blowig address: Discover. PO Box 15316, Wimngfan, DE 198504316. Please include you name, address, tome telephone ewer and Account number.
Periodic Finance Charges. Except as provided below, we wit Impose Periodic Finance Chagos on purchases. ash advances. and balance trenskrs beginning with the date foe
transaction occurs until the date d reWnerd and on Old Balances WO the date of repayment. Old Balances are comprised of ether purchases and cash advances made on or prior to
the last day of you biting period ending during February 1993 or Reserve Line balances.
You can avid payment of Periodic Fiance Charges on new purchases it you pay the New Balance shoran on the Wag statement on which the purchase first appears by the Payment
Due Date, and the Payments and Credits on the statement equal or exceed your Previous Balance. We cat this Ihe'grace period' You do not have a grace period on balance transfers
or cash advances. Periodic Finance Charges are imposed on new balance transers and ash advances begi nag with the date the lrarsaklion occurs.
Periodic France Charges are imposed on all hansadkns and Old Balances until the date of repayment. Repayment means payment of you entire New Balance. However, t you pay
the New Balance shown on this biting statement by the Payment Due Date. and to Payments and Credits shown on this statement equal or exceed the Previous Balance, we will not
impose Periodic Finance Charges on new purchases. that Is, purchases first appearing on this statement. t your Account was dosed as of September 27. 1999. you can avoid payment
of Periodic France Charges if you pay the New Balance shown on this Statemad by the Payment Due Date and the Payments and Credits on this statement equal or exceed your
Previous Balance. Othervrise, you wile receive a billing statement next month tat includes Periodic Fiance Charges imposed until the date of repayment
ft compute Periodic Finance Charges each day for purchases. ash advances, balance transkns and Old Balances (which we refer to as transaction categories) by using the blowing
equation: Average Daily Balance x number of days in the tiling period x Daily Periodic Rate. CRefer to to finance doge summary on the front of you statement for these amounts.)
Then we add all the Periodic Finance Charges for each transaction category to get the foal Periodic Finance Charges for your Amount The Average Daily Balance is shown as 0 t no
Periodic Finance Charges apply to the balance in a transaction category.
We use the Average Daily Balance (nduclng new transactions) method of calculating the balance upon which we impose Periodic Fiance Charges We mmpule the average daly
balance [or each transaction cakigory by adding fry all the daffy balances in a biitg period for a transaction category and dividing tle total by the number of days in the liitng cyde. We
compute t the daily balance for each transaction category on each day by Ikat adding the ldlowig to the previous days daily balance: transactors made that day, fees charged that day,
and Periodic France Charges accrued on the previous days daily balance, and by then subtracting any credits and payments that are applied against the balance of the transaction
calego
Old B tlxQrD60 from the balance of the purchase and cash advance transaction categories. Special rate balance treaters and Balance Transfer Tia sabon Fee Finance
Charges are included in the daily balance transfer transaction category . Balance transfers that were subjed to an initial special rate that has been lermiated due s a late payment are
also inducted in the category until the initial Vocal rate otherwise would have expired. in alulaei" to daily balance of the balance bansfer transaction category on to *9 day of the
billing period, we snthfrad the unpaid balance of Mose Balance Transfer Trawditin Fee Finance Charges and balance transfers that become purchase rate balance transfers on that
day and we add tat unpaid balance to the balance of the purchase transaction category
All fees charged to you Acmut are added to the purchase transaction category with the exception of Cash Advance Transaction Fee Fiance Charges which are added to the cash
advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the balance transfer transaction category. to trasadest made in a previous
biting period's itemized on the statement, we consider the transaction date to be the ist day of the cu ent billing period when we calculate your Periodic Finance Charges-
For TDD (Telecommunications Device for the Deaf) assistance, all 144347-7449.
Discover may monitor actor record telephone cats between you and Discover representatives for quality assurance purposes.
The Discover' card's issued by Discover Bank, Member FDIC.
OITBKO64
New Balance Minimum Payment Due Account Number ending in 1740
$10,198.46
DISC VER $204.00 Enter Amount Enclosed Below
Payment Due Date $
November 11, 2004 ga to Discover Platinum
Please mace check yo
l
d
'
d
.com.
csc
ine wercar
D
or pay on
Car
12 SDSN6A01 0005185
Go paperlessand makeyour account
DOUGLAS ROSS information more secure with password-
S E R L A ROSS protected statements only you can access.
510 LAMP POST LN Learn rnoreatdiscovercomlpaperless.
CAMP HILL PA 17011-1429
PO BOX 71084 1 life fill
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space )nlr)Irr)rn)r)Irrrlrrlrlnr)I11mIIIInlnllulnlrrlrlull
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458146742081101984600210000020400
Discover Platinum Card Account Summary
Closing Date: Odober 12, 2004 page 1 of I
Account number ending in 1740 Previous Balance 510,284.58
Payment Due Date November 11 2004 Payments And Credits 210.00
Minimum Payment Due $204.00 Purchases + 0.00
Credit Limit $11,500.00 Cash Advances + 0.00
Credit Available $1,301.00 Balance Transfers + 0.00
Cash Credit Limit $5,800.00 Finance Charges + 123.88
Cash Credit Available $1,301.00 New Balance = $10,198.46
foss-Ma'y rbl fo avoid Perir»grr i i:ee wa rrges, see !!m
reverse side for details.
Cashback Bonus' Opening Cashbock Bonus Balance $ 5.14
New Cashbock Bonus This Period + 0.00
Cashback Bonus Balance $ 5.14
Cashback BonusO Anniversary
Month: June
Keep usingg your Discover(R) Card and watch
your Coshback Bonus(R) award grow!
Remember, once your Cashback Bonus
award is at least $20, you can redeem your
award by calling us or by logging into the
Account Center at Discovercard.com.
1 Visit Discover.com to pay your bil for rso cop, viewyotrr
How Can We Help You? . latest Account information, ear and redeem rewards coal mar.
It's your choice - 3 ways to help 2. Cal 1-8WDISCOVER (347-2683) for W. 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 Solt Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trons. Post Date
Payments and Credits Sep 26 Sep 26 PAYMENT THANK YOU $ -210.00
POW Charge Summary
Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FINANCE FNAtiCE
Balances Rates RATES RATES CHARGES CHARGES
current billing period: 30 days
Purchases $10225.63 0.04038% 14.74% V 14.74% $12188 $0
Cash Advances $0 0.05477% 19.99% F 19.99% $0 $0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
TRANSFER BALANCES Today - Call 1-800.767-7399 now or visit Discovercard.com to see what Balance Transfer rats is
available for you. Pay off loans, make home improvements or take that dream vacation. It's a hat and easy way to save
money!
Iportmt information. 9 there is more than one page to Vnts billing statement. see the back of each page for additional important inbrrnabon. o
See your CadmembsrAgraemant. Your CardmemberAgreemerd contains al the terms of yax Account. Z
Lod or stolen cards. Report immediately! Call 1-100-317-2683. o
Biting Rights Summary. In Can of Firers or Questions About Your Bill: M you think your bill is wrong, or f you need more renomination about a transaction on your bill, wdile ins an a o
separate sheet of paper at Discover, PO Box 30421, Salt Lake City, UT 84130-0021, as soon as possble. We must hear from you no later than 60 days alter we said you the first bill on
°o
which the error or problem appeared. You can Wephone us, but doing so will not preserve your rights. In your t%fer, give us Ve blowing information:
Your name and Account ndmiber N
The doter arnourd of the anpected am.
Describe the error and explain. f you can, why you believe them is an armor. If you need more rebninabm, describe de item you are unsure abort.
You do not have to pay any amount in question while we am kwestigating, but you are sWl obligated to pay de parts of your bill that are not in question. Wilde we i Bale your
question, we cannot report you as delinquent or take any action to wW Vie amount you question.
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..
Vic ahem: .v:th d....?x„c;i,frd, you rmLyrcthar„ to the ?.
pr pay erraniny amount on
22 t t !7j m services. w ve the pmtZ- on c.?i v de µ,i: a. F.ri*i as nit :pan 3:f
and the purchase was made in your how stale orwithin 100 miles of yo r maikrg address. (V we own or operate Me merchant, or if we mailed you the afuarbsanad forte goods or
services, all prdhases are covered regardless of ft amount or location of purchase.)
Payments. Sand only you payment and the by portion of We statement in the envelope provided. Do not send ash. By sending your check as described glove, you aulhame us b
use information on yaw dhedk b make an electronc W transfer from your account at the financial insOiWim Indicated on your check or b process Ve payment as a cede trasaclon.
l paymerd is processed as an electronic, trd Iransfat the varhsler will be for the annul of the deck. tNhen we use kdomhakm from your check to make an electronic fund baksW
hsds may be wlndewn from you account as soon as the same day we receive your payment, ant you will not receive your deck back from yaw lnnancial insbkdaL
The processing of your payment maybe delayed f you sent cash, cormpo dance or other fens with yo r payme t, d you send the payment to any other ad 1 or f you use an
envelope other dun the one provided. Payments received in proper lomh at err processing fad4Ty, by 5PM brat tine on any day will be aedted b your Account as of OW day Payments
received at our processing facility ate 5PM local time will be credited to your Account as of de next day. If you have misplaced your envelope, send your payment b Discover. PO Box
6103. Card Steam. IL 60157-6103. Please allow 7-10 days for delivery, l your payment is returned unpaid. we reserve the right to resubmf f as an electronic debt
You an pay your nirirnrm payment or a greater annul of the telephone, and you an set dip aulonalc payments. Cal its at 1400341-2683. You will need this statement and you
bank account nlomhalion. You must man ft sdticient funds are available in you back accent, and all transactions must comply with U.S. law. You will be asked to preside the fist
5 dfrglts of your account staterneM IP code. By emering dose numbers as your electronic signature. you will be agreeing to this authaizalm to allow us and your beds b deduct each
payment you atom from you bank account and to abate debt or credit entries to your bank account as applicable to oared an ems in to processing of such payment You must
tell us Ve amount of each paymet, or you can select an amount such as die Minimum Payment Due or Nine New Balance on each statement You can cancel a paym ni. however we
must receive notice at least Vase bu mess days in advance d the scheduled payment. You may nobly us by phone at 1.800,347-2683 or by mad at the address ksled in to previous
paragraph. l you payments may vary o amount, we fl fall you on each monthly slotemerd when your payment will be made and how much it will be Your AduWnale pernerit amount
may be less than Indicated on the molly statement based on dedls or payments applied dung the biltitg cycle.
Credk Reporting. Ws may report kdorrna9on about you account to credit breams. tale payments, missed payments, or other dMmAts on your account may be retacte 'in gar credT
report. Nk normally report the "Is and payment taiii of your Account to atilt reporting agencies each mendt. V you bakeve thal our report is ihecaware or itconhplele, please wwte
us at be telowirg address: Discover, PO Box 15316, Wdmingim, DE 19850.5316. Please include you name, address, home teleptione number and Accent amber.
Perbdie Fbancs Charges. Except as provided below, we will impose Peek Finance Changes on puideses, cash advances, and balance transient begtrinkg wlr Vine dale fhe
transaction axes until the dale of repayment and on OM Balances until the dab d repayment. Old Balances are comprised of eider purchases and cash advances made on or prior to
tie last day of you Oiling period andeg during February 1993 or Reserve Line balances.
You an avoid payment of Periodic Finance Charges on new purchases if you pay Ve New Balance sham on the Wing statement on which Vie purchase fist appears try the Payment
Due Date, and the Payments and Credits on the statement equal or exceed your Previous Balance. We cal this the'gmce period- You do not have a grace period an balance transfers
or cash advances. Periodic finance Charges are Imposed on new balance transfers and ash advances beginning with the date to harsadan occurs-
Periodic Finance Charges are imposed m all transactions and Old Balances until Via dale of repayment. Repayment means payment of your entire New Balance. However. if you pay
the New Balance shorn on to bilrg statement by the Payment Due Date, and the Payments and Credits shown on this statement equal or exceed the Previous Balance, we will not
impose Periodic Fiance Charges on new pimbases. tats, purchases fist appeamg on this sblehmht d your Account was dosed as of Sepbmber 27,1999, you an avoid payment
of Penodc Finance Charges 0 you pay Ve New Balance shown on Vis Statement by the Payment Due Oele and the Payments and Credits on Vds statement equal or exceed you
Previous Balance. Ot sneer. you col receive a billing sfalemem next month Mat includes Peniedic Fiance Changes Imposed urdi the date of repaymdt.
We compute Periods Finance Charges each day for pure rise, ash advances, balance transfers and Old Balances (which we refer to as transaction calegaies) by using the folowing
eXabom Average D* Balance x number of days in the billing period x Daily Periodic Rate. (Refer to de finance charge summary, on the from of your statement for Vtese amounts.)
Then we add all the Periodic F:nece Charges for each transaction category to get the total Peniodic Finance Charges for you Account The Average Daly Balance is shown as 0 f no
Pam* France Gorges apply to the balance in a transaction category.
Via use IheAvemge Daily Balance (mcluding raw transactions) method of calculating tie balance upon which we Impose Periodic Fianna Charges Yk compute the average daffy
balance fa each baasactim call" by adding up all the daily balances in a bang period for a transaction category and dividing the idol by Ve number of days in the lhiigcycl& Yk
compde the daily balance for each transaction category on each day by frost adding the blowing to the previous days daily balance: transactions made Vat day fees clhaged Vat day,
and Periodic Finance Charges acmed on the previous day's daily balance; and by then subiraclrg any credits and payments that are applied against Vie balance of fie transaction
Old BelslnClSbyMNWIs8 van to balance of the purchase and ash advance transaclion calegodea. Special rate balance transfers and Balance Transfer Transaction Fee Finance
Charges ass included in the daily balance Vansfer transaction category. Balance transfers cat were subject to an initial special rate dal has been lermialled doe b a left payment are
also included in the category unit the r" special rate otherwise would have expired. In calculating the dally, balance of tie balance transfer transaction allegory an the Est day of tie
b&V period, we subtracithe unpaid balance of few Balance Transfer Tra isadim Fee Finance Charges and balance transfers that become purchase rate balance transfers on gat
day and we add Vat unpaid balance to to balance of the purchase transaction category.
Al tees charged to your Account are added b He purchase trarsacho n category with the exception of Cash Advance Transaction Fee Finance Charges which are added b dire ash
advance transaction category and Balance Transfer Transaction Fee Fiance Charges which are added to the balance transfer transaction category . V a transaction made in a prevKi s
filing period is itemized on this statement. we consider I he transaction date to be the fret day of the txrrad billing period when we caladate you Periodic Fiance Charges.
For TDO (Taleeommtadations Device for the Deaf) assistance. all 14x-347-7449.
Discover may mercer andkx record teleptncne calls between you and Discover representatives for quality, assurance purposes
The Discovery card is issued by Discover Bank, Member FDIC.
OITBKO64
New Balance
DISCOVER $10,121.16
12 S0SN6A010005186
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Minimum Payment Due Account Number ending in 1740
$203.00 Enter Amount Enclosed Below
Payment Due Date $
December 11, 2004 Please make check payable to Discover Platinum
Card or pay online Discovercard.com.
Go paperless and make your account
information more secure with password-
protected statements only you can access.
Learn more at discover.comlpaperless.
PO BOX 71084
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458146742081101211600204000020300
Discover Platinum Card Account Summary
Closing Date: November 12, 2004 page 1 of 2
Account number ending in 1740 Previous Balance $10,198.46
Payment Due Date December 11, 2004 Payments And Credits 204.00
Minimum Payment Due $203.00 Purchases + 0.00
Credit limit $11,500.00 Cash Advances + 0.00
Credit Available $1,378.00 Balance Transfers + 0.00
Cash Credit Limit $5,800.00 Finance Charges + 126.70
Cash Credit Available $1,378.00 New Balance $10,121 16
reverse side for details.
Cashbmk Bonuse Opening Cashbock Bonus Balance $ 5.14
New Cashback Bonus This Period + 0.00
Cashbock Bonus Balance $ 5.14
Coshbock Bova Annivwsary
Month: June
How Can We Help You? 1 Visit Discover corn to pay your 60 for no cost, view r
latest Account information, earn and redeem s and more
It's your choice - 3 ways to help 2. Call 1-800-NSCOVER (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 Oct 23 Oct 23 PAYMENT THANK YOU $ -204.00
Information For You
Balance Transfer offer for current billing period: Daily Periodic Rate: 0.02712%; corresponding ANNUAL PERCENTAGE
RATE: 9.90%. Rate is subject to the terms of the offer including expiration.
_ Through the -generosity of our Cardmembers, Discover(R) Card has donated more than $14 million to theMake-A-Wish
Foundation(R). You can make a child's dream come true by electing to donate your Cashbock Bonus(R) award to the
Make-A-Wish Foundation. To loam how, please visit Discovercard.com or visit www.wish.org.
ARYWCharge Summary
Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Balances Rates RATES RATES CHARGES CHARGES
current billing period: 31 days
Purchases $10121.73 0.04038% 14.74% V 14.74% $126.70 $0
Cash Advances s0 0.05477% 19.99% F 19.99% $0 $0
The rates that apply to your Account are either fixed (F) or they may vary M as noted above.
Protect your good credit during this busy Holiday season. ProfileProtect(R) helps you manage your credit, prevent identity
theft & reduce your risk of fraud. ProfileProtect provides a copy of your credit report, monitors your credit file every business
day & alerts you to changes. Enroll today 1-866.708-0672 or Discovercard.com/ProfileProtect.
Important Infomu6on. If there is more than one page to this biting statement, see the hack of each page for additional important information. En
See your Cardaember Agreement. Yo r Cardmember Agreement contains all the terns of yo r AubOLUt. Cl)
z
Lost or stolen cards. Report nxrekfiately! Call 14"T-21*11. D
0
Billing Rights Summary. In Case of Errors or Owstions About Your BR: If you rink your hill is wrong, or f you need more information about a transaction on yaw hi, write us on a
separate sheet of paper at Discover, PO Box 30421, Salt Lake City, UT 84130-0421. as soon as possible. We must hear berm you no later than 60 days after we sent you the first bill on $
which the error or problem appeared. You an telephone us, but deg so will not preserve your rights. In you liter, give us the following intonnabon: N
You name and Accent number. won
The dollar amount of the suspected error.
Describe ft error and explain. if you an, why you believe there is an error If you need more information, describe the fern you are unsure about. `h
You do not have to pay any amWnt in question whale vie are investigating, but you are still obligated to pay the parts of your bill than are not in question. White we investigate your
quesion• we cannot report you as delinquent or take any action to collect the amount you quesbcon.
_ `___ cy?`,,:Rut;:,easi.,:t;7?<dPUre7hases'UvouttavrapmileN?nlhthe?idlty?tg(xxliasuuYr?thatyu.,x.:i'..?? ',i.,,c.:u?c:ad?ayw:iw elr.:;a:'?•.;uiik3ua.rdci-- - _.. _., _.?_.
-ier+ianC you " M.,t twe io pa the -'X-' 3r rVICF' (xl rla'-R'-
r G ` trace ? re'f`.," S _
and the purchase was made in you home stale or within 100 miles of
your mailing address. (t we own or operate the merchant, or Owe mailed you [he advertisernerf for the goods or
services, all
purchases are covered regardless of the anmeunt or location of purchase.)
Payments. Send only VOLE payment and the top portion of this statement in the envelope provided. Do not send ash. By sending your deck as described above, you author® us to
use infomhatim an your deck to make an electronic find transfer from your account at the finardal irstikilion indicated on your cl edc or to process the payment as a deck transaction.
If payment is processed as an electronic fund transfer, to transfer will be for the amount of the chlad - When we use iltomeaUm from you check to make an electronic fund transfer.
funds may be withdrawn from you account as soon as the same day we receive you payment, and you will not receive yew chef( bads from your financial institution.
The processing of your payment may be delayed if you send ash, eonespomknce or other gems with your payment, it you send the payment to any other address or f you use an
envelope Other than the one provided. Payments mceived in proper form at our proassng facility by 5PM foal lime on any day will be credited to you AcoDt w as of that day Payments
received at our processing fac9iy after 5PM foal time *4 be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box
6103, Carol Stream, It. 6W97k103. Please allow 7-10 days for delivery. If your paymetd'i returned unpaid. we reserve the rlgff to tesubmil f as-an electronic debit
You an pay your mkOmrim payment or a greater amount of the telephone, and you an set lip automatic payments. Cal us at 1-000-347-2663. You will need On statement and your
bank account information. You must ensure that sufficient funds are "able in your back accent, and all transadims must comply with U.S. taw. You will be asked to pride the lrst
5 dgi ; of your account stalemerht ZIP code. By entering terse own bers as your electronic signature. you will be agreeing to this; autarimtm to allow us and your bank to deduct each
payment you ahfhom from you bank account, and to innate debit or credit entries to your bank account, as applicable to coned an error in the processing of such payment. You must
let us the amour of each payment, or you an select an amount such as fine Minimum Payment Due or the New Balance on each statement You can caxel a payment. however we
must rewire notice at least twee business days its advance of the scheduled payment. You may notify us by plhove at 14I00347-2683 or by mail at the address listed in the previous
paragraph. I your payment may vary in amount, we Of lit you on each monthly sfatemerd when your payment will be made and how much it wit be. You Automatic payment amount
may be less than indicated on the monthly statement based on credits or payments applied during the telling cycle.
Credit Repmrtng. Vile may report niormim about your account to credit bureaus. Late payments, missed payments, or other defiefs an your account may be relented in your credit
report. We normally report to status and payment history of your Accent to credit reporting agencies each month. If you believe that our repot is inaccurate or ntorrhplee, please write
ms at he following aftess: Discover, PO Box 15316. Wimhgbn. DE 19850.53t6. Please include you name, address, home telephone comber and Account n timber.
Periodic FhNrm Charges. Except as provided below. we will knpose Periodic Finance Charges on purchases. ash advances. and balance transfers beginning with the date it*
transaction occurs and 1* dale of repayment and on Old Balances until the date of repayment. Ohl Balances are comprised of either purchases and ash advances made on or prior to
the last day of your Ming period ending doing February 1993 or Reserve tine balances.
You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on the biting statemhekt on which de purchase AN appears by the Payment
Due Date, and the Payments and Gents on the statement equal or exceed you Previous Balance. We cat ft the'grace period' You do not have a gram period on balance transfers
or cash advances. Periodic Finance Charges are imposed on new balance transfers and ash advances beginning with the date the transaction occurs
Periodic Fiance Charges are knposed on at trxhsactors and Old Balances until the date of repayment. Repayment means payment of your Wire New Balance. However, if you pay
the New Balance shown on thin biting statement by the Payment Due Date. and the Payments and Credits shorm on this statement equal or exceed the Previous Balance, we will not
impose Periodic Fiance Charges on new purchases. OW is, purchases fast appeartrhg on this slatement. t your Accent was closed as of September 27.1999, you can avoid payment
of Periodic Fiance Charges if you pay the New Balance shown on this Statement by the Payment Due Date ad the Payments and Credits on this statement equal or exceed your
Previous Balance. Otherwise, you will receive a biting statement next month that includes Periodic Few" Changes imposed until the date of repayment.
We compue Periodic France Charges each day for purchases. ash advances, balance transfers and Old Balances (which we refer to as transaction categories) by using the Mowing
equabom. Average Daly Balance x number of days in the billing period x Daly Periodic Rate. (Refer to the fiance d*W summary on tithe front of your statement for these amours.)
Then we add all the Periodic Finance Charges for each transaction category to gel the total Perioddc Finance Charges for your Acoount The Average Daily Balance is shown as 0 if no
Periodic Fierce Charges apply to the balance in a transaction category.
We use the Average Daly Balance (including new transactions) method of calculating the balance upon which we repose Periodic Finance Charges. We amnpkda le average daily
balance for each transaction category by adding up all the daily balances in a bKm period for a transaction category and dividing the total by the number of days in to hitting cycle. VM
compute the daily balance for each transaction category on each day by first adding the following to the previous days daily balance: transactions made that day, fees charged that day,
and Periodic, Finance Charges accrued on the previous day's daily balance; and by ten subiracting any crests and payments that are applied against the balance of khe transaction
Old "& from I fie, balance Otte purchase and ash advance transaction catego es. Special rate balance transfers and Balance Transfer Transaction Fee Finance
Charges are included in the daily balance transfer kansadim category. Balance transfers that were subject to an initial special rate that has been farrenakd due to a date payrarf are
also included in the category until fine Met special rate otherwise would have expied. In alafatng the daily balance of the balance transfer trarsacton category on the first day of the
Wing period, we subead the unpaid balance nt those Balance Transfer Transaction Fee Finance Charges and balance transfers that become purchase rate balance transfers on that
day and we add OW unpaid balance to the balance of the purchase transaction category.
All fees changed to your Account are added to to purchase transaction category with the exception of Cash Advance Transaction Fee Fierce Charges which are added to the cash
advance transaction category and Balance Transfer Transaction fee Finance Chages which are added to the balance transfer transaction category. N a transaction made in a previous
Mm period is itemized on this sfiaemehL we consider the transaction date to be the fsst day of the current billing period when we calculate your Periodic Finance Chagas.
For TDD (telecommunkadons Device for the Deaf) assistance, call 1400.347-7449.
Discover may monitor andlan record telephone cats between you and Discover representatives for quality assurance purposes.
The Discowl card is issued by Discover Bank, Member FDIC.
OITBKO64
DISC` VEI
Closing Date: DOUGLAS ROSS
November 12, 2004 Account number ending in 1740
page 2 of 2
Cashback Bonus ° Award Summary
Cashback Bonus Anniversary Date; June 12 Balance
Previous Cashback Bonus Award Balance $ 5.14
Purchase Award This Period + 0.00
Cas ac Bonus Award Total 5.14
Cashback Bonus Award Balance 5.14
Award Available to Redeem $ 0.00
8966465
Restrictions apply to the Cashback Bonus Partner offers visit Discover com or caA 1-80005COVER (1-800347-2683( for
details. For program details, see the Cashback Bonus program Terms and Conditions.
New Balance
DISC(; AVER $10,043.36
12 SDSN6A01 0005187
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Minimum Payment Due Account Number ending in 1740
$201.00 Enter Amourd Enclosed Bekaw
Poyment Due Date $
January 11, 2005 Please make check pa?abie b Discover Platinum
Card or pay online Discovercard.com.
Address, e-mail or telephone change? Print change in space
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
Go paperless and make your account
information more secure with password-
protected statements only you can access.
Learn more at discover conupaperless.
PO BOX 71084 Illnrnllnnrsnsllrslsllrrrll
CHARLOTTE NC 28272-1084
Irrlrllrrlrrrlrllrnrlrrlrlrrrilllnrrlrrlrrlrrllrrlrnlrrlrlrnll
000001986458146742081100433600203000020100
Discover Platinum Card Account Summary
Closing Date: December 12, 2004 page 1 of 1
Account number ending in 1740 Previous Balance $10,121 16
Payment Due Date January 11 2005 Payments And Credits 203.00
Minimum Payment Due $201.00 Purchases + 0.00
Credit Limit $11,500.00 Cash Advances + 0.00
Credit Available $1,456.00 Baaance Transfers + 0.00
Cash Credit Limit $5,800.00 Finance Chart90S 125.20
Cash Credit Available $1,456.00 New Balance = $10,043.36
- :vu tact ? a `.? to <.:W+r ' : utnr..w f io s_-ar:ce ?sv:?:.s. <.a(: =17-x.
reverse side for details.
Cashbmk Boinuse Opening Cashback Bonus Balance If 5.14
New Cashback Bonus This Period + 0.00
Cashbock Bonus Balance $ 5.14
Coshbock Bonus® Anniversary
Month: June
Keep using your Discover(R) Card and watch
your Cashback Bonu3(R) award growl
Remember, once your Cashback Bonus
award is at least 520, you can redeem your
award by calling us or by logging into the
Account Center at Discovercard.com.
How Can We Help You? 1 Visit Discover.com to pay your bill! for no c" ,riew ya??
P latest Account information, earn and redeem = 'off
more
It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy sel service
options or to speak with a Customer Service Account Manger
Phase 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 8,4130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Dab Date
Payments and Credits Dec 10 Dec 10 PAYMENT THANK YOU $ -203.00
Information For You
Balance Transfer offer for current billing period: Daily Periodic Rate: 0.02712%; corresponding ANNUAL PERCENTAGE
RATE: 9.90%. Rate is subiect to the terms of the offer including expiration.
FIANWharge Summary
Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FNW4a fM1ANCE
Balances Rates RATES RATES CHARGES CHARGES
current billing period: 30 days
Purchases $10161.36 0.04107% 14.99% V 14.99% $125.20 $0
Cash Advances s0 0.05477% 19.99% F 19.99% $0 $0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
Protect your good credit during this busy Holiday season. ProfileProbct(R) helps you manage your credit, preverd identity
theft & reduce your risk of fraud. ProfileProteet provides a copy of your credit report, monitors your credit fib every business
day & alerts you to changes. Enroll today 1-866-708-0672 or Discovercord.com/ProfileProtect.
Important Inbrtnation. t there is more than one page to this tolling statement, see the bark of each page for additionl important wilomnatior. CF)
See yaw CardmemberAgreement. Your Cardmember Agreement contains at the terms of your Acamt cn
CO
Losl or stolen cards. Report innediately! Can 1.800317.2693. o
BN % RWft Summary. in Case of Enos or Questions About Your Bat: If you think your bill is wrong, or if you need more information about a transaction on you bill, while us on a o
separate sheet of papa at Discover, PO Box 30421, Safi Lake City. UT 84130-0421, as soon as possible. We must hear from you no WW than 60 days all r we sent you the fist bit on
which the are or problem appeared. You can telephone us. but doing so will not preserve your rights. In you letter. give us the fo8whg inhumation
• Ycurr name andAccount number. o
V'
The dollar amount of the suspected arm.
Describe the error and explain. 0 you can, why you believe t ale is an error. If you need more kdormation, describe the aeon you are unsure about-
You do not have b pay arty amour in question while we are Investigating. but you are still obligated b pay the pats of you b4 that are not in question. While we investigate you
question, we cannot report you as delinquent or take any action to cogod the amount you question.
JPulenorL1aus..ard "unhhace 'youhaveaiw:oil .w. IN. ya::;lsitra".»st i.?,µ:;uh,,• ,4%,aua4 (;04arxiymi ha ve.tr"incur,°".auto; __? _
..._?.__..-. _ _._ ._... v ...,,`h . ,, :: :C.?u`1F cu ma nosh ;viz ion ah• the remain' arninl fi't' rJhE€-"nF3? fi9'i.'?'ixat'SCtafrnty ^Rtiei! , -
t Y p . erg " -.?t:a'x'f ? ,_ °'a!'',:. c se {tit w='r.:., arc t^ :r far
and the purchase was made in your home state or within 100 miles of your noting address. (t we own or operate the merdhad, or d we mailed you the aduertiserat for The goods or
services, all purcases are covered regardless of the amount or location of purchase.)
Payments. Send only your payrrherd and to top portion of In statement in the envelope provided. Do not send cash. By sending your dhedr as described above, you authorize us to
use i fonnnmon on your check to make an electronic fund transfer nom yeu acoa nt at She financial institution Indicated on you diedl or b process the payrrot as a deck transaction.
If paymed is processed as an electronic ford transfer, the transfer will be for to amount of the check. When we use information from your check to make an eteaahic turd Vardar,
funds may be withdrawn from you account as soon as the same day we receive yea payment, and you wig not receive your clerk bad from your fnakdm nslia xin.
The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment b any other address air you use an
envelope ether than the one provided. Payments received in proper form at our processing facky by 5PM local lime on any day will be credited to your Accent as of tatdW payments
received at our processing facility after SPM local time will be credaed tic yourACCaaw as tithe next day t you have misplaced yo renvelope, send your parrot b Discover, PO Box
6103, Carol Stream. It. 60197.6103. Please allow 7-10 days for delivery. It your payment is returned unpaid, we reserve the right b resubmit it as an elationicdOA
You can pay your minimum payment or a greater amount of Be Idep!wne, and you an set up automatic payments. Cal us at 1-800347-2683. You will need this statement and you
bank account mbmafon. You mast ensue that sufkient funds are available in your bank account, and all transactions must comply with U.S. law. You will be asked b provide the first
5 digits of yaw account statement ZIP code. By entering those numbers as you electronic sigmmure, you will be agreeing to this auNnarinron to allow in and your bank b deAxct each
payment you authorize from you bank account, and to inilime debit or credit cries b your bank account, as applicable to coned an era in the processing of such payment . You must
tell us the amount of each payrnerni or you can seled an amount such as tee Minimum Pared Due or the New Balance on each s!memert You an cancel a payment, however we
must receive notice at feast thm business days in advance of der sdoednfed paymet. You nay notify us by phone at 1$0(-347.2683 or by mail at tie address lit ded in the previous
paragraph. If your paymerds may vary n amount, we it tell you on each monthly statement when your payment will be made and how much 0 will be You Aubnnafc parrot amount
may be less tall ihacalld an the mortty statement based on credits or payments applied dung the bting cycle.
Credit! Repatnp, We may report information abut your acoarw b do& bireaus. Late payments, rowed payments, or user defaub on your ecoarw may be runteded in you credit
report. We normally report fee stales and payment history of you Accent to aedt reporting agoaes each month. t you believe tat our report is Inaccurate or ncorpbfe. please write
us at the iotohMg address: Discover, PO Box 15316. Wilmkglon, DE 19650.5316. Please Ihklde your name. address. home telephone number ad Account number.
Periodic Finance Charges, Except as provided below. we will Impose Periodic Finance Charges on pudases, cash advances, and balance transfers beginning with the date the
tasaction occurs unit tea dale of repayment and ern Old Balances until the dale of repayment Old Balances are comprised of either purchases and ash advances made on or prior to
to last day of your biding period ending dung February 1993 or Reserve Line balances
You can avoid payment of Periodic From Charges on new purchases I you pay the New Balance shown on The billing alaterred on which the purchase list appears by to Payment
Due Date, and the Payments and Credits on the statement equal or exceed your Previous Balance. We an this the -grace period- You do not have a grace period an balance transfers
or ash advances. Periodic Finance Charges are imposed an new balance transfers and cash advances beginning with ft date the transaction occurs.
Periodic Fiance Charges are Imposed on all transactions ant Old Balances until the date of mpayme t. Repayment mean payment of your enta New Balance. However, it you pay
die Now Balance shown on this biting statement by the Payment Due Date, and the Payments and Credos shown on this statement equal or exceed the Previous Balance, we will rid
impose Periodic Finance Charges on new purchases, that is, purchases kid appeairg on this statement. If your Account was dosed as led September 27. 1999, you can avoid payment
of Periodic Finance Charges t you pay the New Balance shown on tits Staenert by to Payment Due Dale and the Payments and Credits mrh this statement equal of exceed you
Previous Balance. Otherwise, you will receive a tilling statement next month Ohm includes Periodic Finance Charges imposed until the date of repayrneld.
We compute Periodic Finance Charges each day for purcases, ash advances. balance transfers and Old Balances (which we refer to as transaction categories) by using the following
equation: Average Daly Balance x number of days in the brim' g puW x Daily Periodic Rate. (Refer to to finance charge summary on the front of your statement for tese a+ohws.)
Then we add all the Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges for your Account The Average Daily Balance is shown as 0 if no
Periodic Finance Charges apply to the balance in a trarmco m category.
We use ImAverap Day Balance (shdkding new transactions) method d alcuWthg the bale= upon which we impim Periodic France Charges. V% ow" the average daily
balance for each transaction category by adding up all the daily balances in a bkinig period for a transaction category and dIW" the total by Be number of days in to bft cycle. WC
damp le the chary balance for each transaction aiegory, on each day by first adding the following to the previous day's daily balance: transactions made that day. furs doged that day.
and Peiofc Finance Charges awned on the previous day's daily balance: and by then subtracting any credits and payments that are applied against the balance o (the transaction
Old Wd fom the balance of the purchase and ash advance hasadion categories. Special rate balance transfers and Balance Transfer Tiansadion Fee Finance
Charges are included in the daily balance transfer transaction category. Balance transfers dig were subject to an initial special rate tat has been lemar rid due b a We payment are
also included in the category unto the nitro special rate otherwise would have expired. In calculating the daily balance of the balance hands rasaction cmagoryon the irsl day of the
billing period, we subtract tie unpaid balance of those Balance Transfer Transaction Fee Finance Charges and balance transfers that become purchase kite helaha transfers an Nut
day and we all that unpaid balance to the balance of the purdmm transaction category.
AN fees darted to your Account are added to the purchase transaction category with the exception of Cash Advance Transaction Fee France Charges which are added to the cash
advance traua tim category and Balance Transfer Transacbn Fee Finance Charges which are added to the balance transfer transaction category If a trahssmon made in a previos
biting period is itemized on the statement, we consider the transactiorn date b be the first day of the current billing period when we calculate yam Periodic Finance Charges.
For TDD (Telecommunications; Device for the Deaf) assistance, alit 1400.517-7449.
Discover may monitor and!or record telephone cats between you and Discover representatives for quality assurance purposes.
The Discovery card is issued by Discover Bank, Member FDIC.
OITBK064
DISC VER New Balance
$9,972.91
12 SDSN6A01 0005188
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Minimum Payment Due Account Number ending in 1740
$200.00 Enter Amount Enclosed Below
Payment Due Date $
February 11, 2005 Please make check payable to Discover Platinum
Card or pay online W Disca ercord.com.
Go paperless and make your account
information more secure with password-
protected statements only you can access.
Learn more at discover caNpapedess.
PO BOX 71084 11111111 1111111111111111111
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change$ Print change in space
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458146742081099729100201000020000
Discover Platinum Card Account Summary
Closing Date: January 12, 2005 page 1 of 1
Account number ending in
Payment Due Date
Minimum Payment Due
Credit Limit
Credit Available
Cash Credit Limit
Cash Credit Available
17,40 Previous Balance $10,043.36
February 11, 2005 Payments And Credits 201.00
$200.00 Purchases + 0.00
$11,500.00 Cash Advances + 0.00
$1,527.00 Balance Transfers + 0.00
$5,800.00 Fimtorr Charges + 130.55
$1,527.00 New Balance $9,972.91
mcry ty ;,? ,a a:om
reverse side for details.
Cashback Bonuse Opening Cashbock Bonus Balance $ 5.14
New Cashback Bonus This Period + 0.00
Cashback Bonus Balance s 5.14
Coshbock BonusO Anniversary
Month: June
Keep using your Discover(R) Card and watch
your Cashback Bonus(R) award growl
Remember, once yyo?uur Cashback Bonus
award is at least $20, you can redeem your
award by calling us or by logging into the
Account Center at Discovercard.com.
How Can We Help You? 1 Visit Diseover.cern to pay your lei for no eadt, view
P kstsr Account information, ear and redeem =and
maro
It's your choice - 3 ways to help 2. Cab 1-8WDISCOVER (347-2683) for fast, easy self-service
options or to speak with a Customer Service Account Manager
Please have your Discover Card available. 3. Writ us at Discover Card, PO Box 30943,
For TDD (assistance for hearing impaired) see reverse side Solt Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Date Date
Payments and Credits Jon 10 Jan 10 PAYMENT THANK YOU $ -201.00
Information for You
Balance Transfer offer for current billing period: Daily Periodic Rat: 0.01068%; corresponding ANNUAL PERCENTAGE
RATE: 3.90%. Rate is subject to the terms of the offer including expiration.
raffintfittAIN5 Charge Summary
Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FRANCE FRANCE
Balances Rates RATES RATES CHARGES CHARGO
current billing period: 31 days
Purchases $10087.05 0.04175% 15.24% V 15.24% $130.55 $0
Cash Advances $0 0.05477% 19.99% F 19.99% $0 $0
The rates that apply to your Account are either fixed (F) or they may vary (Y) as noted above
Protect your good credit during this busy Holiday season. ProfileProtect(R) helps you manage your credit prevent identity
theft & reduce your risk of fraud. ProfileProtect provides a copy of your credit report, monitors your credi file every business
day & alerts you to changes. Enroll today 1-866-708.0672 or Discovercard.com/ProfileProtect.
kmhportart Niormation. It them is more Awn one page to this, biting statement see the tack of each page for additional important nkxma6an.
See your Cardmembor Agrearent Your Cardrnember Agreement contains at the terms of your AcoosA
Lost or sbkn cards. Report immediately! Call 14"T-26a
64fing Rights Summary. In Case of Emo s or Questions; About Your Bit: t you oink your bill is wrap, or 4 you need aura nlornaion about a transaction on your bit. write is an a g
separate sheet of paper at Discover. PO Box 30421. Sat Lake City, UT 84130-0421. as soon as possible. We must hear from you no late than 60 days after we sent you the first bill an
e
Mich the error or problem appeared. You can lelephae us, but doing so wit rot preserve your rights. In your latter. give us the following kdonnagan:
Your name and Account num1w
The dollar amount of the srspeced error.
Describe the odor and explain. 0you can, why you believe there is an error. H you need more information, describe the font you are issue about.
You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in quesOm. While we' h n lig, your
question. we comb report you as delinquent or take any action to collect the amount you queskon.
problem wNr dteuu filmy N 4jo r, ?r ntviceb dwi yuhtyhn uteri wi F a re * °+nh D vin mean grx.i t hour cmr
ay= rah Rtes awdr! 1"..ru i vkfd aser Yr ;: a a _ _ _ _ _ _ «
,
?$iLi;
r prNblti.:.3 Y. .k. « • ,»,., yNMi :r,dy nob ,IoW. to'ydy the ;cYtwI11H) ..,,kx,N-d il11X1 C4' 1"Y i 77-,7T
_
(Awe own of operate the merchant or Ewe meshed you the adverbsernerd fordhe goods or
and the purchase was me* in your home state orwthn 100 miles o (your na" address
services, all purchases are covered regardless of the amount or location of purchase.)
Payrnenls. Send orgy your payment and the lop portion d this statement In the envelope provided. Do not send cash. By sending your deck as described above, your authorize us to
use nfannaim on yourdhed to make an eledrorie fund transfer from your account at the frwrw.ial nstiiaion krdicaled on your cheek of to process to paymerd as a check transaction.
If payment is processed as an electronic krrl transfer, the tro milar will be for the amount of the dhedL When we use information from your died lo make an elKYaic kind transfer,
funds may be withdrawn from you account as soon as the same day we receive you payment and you wil not mcebe your deck bade tan your financial isAYttou.
The processing of you payment may be delayed 4 you send ash, correspondence or other items with your paymert, it you send the payment to any other address or I you use an
envelope other tan the one provided. Payments received in proper tam at our processing facility by 5PM local arms on any day will be credied to your Account as of tat day. Payments
received at our processkg facility alter 5PM local lime will be credited to your Account as of the next day t you taw misplaced your envelope, send your payment to Oi scom.. PO Bad
6103, Card Sheamc, it W!97.6103. Please allow 7-110 days for delivery. 8 your payment is mimed unpaid. we reserve the right to resubmil it as an electronic debit
You an pay your minimum payment or a greater amount of the telephone, and you can set up automatic payments. Cal us at 1 00.3474683. You will need lids stakrnert and you
bank account innmrharion You must ensure that sufficient tads are available in your bank acimunt and at transactions muel comply with U.S. law. You will be asked to proAde the first
5 digits of your aaout statement ZP code. By entering those numbers as your eledronhic signature. you will be agreeing to this aulhavafon to allow us and your bank boded each
payment you authorize tom you bags acgount and to irg0ate debit or creme entries to you bank account as applicable to correct an amen in the prom-'sing of such payment You must
tell us the armunt dead, payment, or you can select an amount such as the Mmom Payment Due or to New Balance on each slatement. You can cancel a paymdrt. however we
must receive rata at least tree business days in advance of the scheduled payment. You may notify us by phone at 1-B00.347-2683 or by mail at the address fisted in Be previous
paragaph, t your payments may vary in anarnt. we A tell you on each monthly statement when your payment will be made and how much t will be. Your Automatic payment amicaffit
may be less than radiated on the monthly statemerd based on exeft or payments applied during the thitrg cycle.
Credit Reporft We may report nkrmafort about your account locredt bureaus. Late payments, missed payments. oroiler defautts on your account maybe teI - x n your credt
report. We rminnaty report the status and payment history of yourAcoount to credit reporting agonies each month. tyou believe Mat our mporl is iwcanls or incomplete. pinsse write
us at the following address: Discover, PO Box 15316, YOni gton, DE 198550-5316. Please Include your nano, address, home telephone m mmber and Account number.
Periodic Finance Chagas. Except as provided belay, we will impose Periodic Finance Charges on purchases, ash advances, and balance ministers begiringwih the dine the
transaction occurs until the date of repayment and on Old Balances until the date of repayment. Oil Balances are comprised of either purchases and ash advances nude on or prior to
the last day of your billing period ending during February 1993 or Reserve Lire balances.
You an avoid payment of Periodic From Charges on new purchases l you pay to New Balance shown on the billing slatemerd on which to purchase fast appears by the Payment
Due Date, and to Payments and Credits on the statement equal or exceed you previous Balance. We aA tts t he'grace period' You do not have a grm period on balance transfers
or ash advances. Periodic Finance Charges are imposed on new balance transfers and ash advances beginning with the dale the transaraonh oasis.
Periodic Finance Charges are imposed on all transactions and Old Balances welt the date of epaymat. Repayment meths payment of your entire New Balance . However, 4 you pay
the New Balance shorn on to trilling statement by the Payment Due Date, and the Payments and CrerSts shown an this statement equal or exceed the Previous Balance, we will not
impose Periodic Finance Charges on new purchases, that is, purchases first appearing on In slaleriert. t your Aemurt was dosed as of September 27.1999. you can avoid payment
at periodic Finance Charges if you pay the New Balance shown on this Statement by the Payment Due Date and the Payments and Credts on this statement equal or exceed your
Previous Balance. Otherwise, you will receive a bung sta ement next month that includes Periodic Finance Charges imposed until the dale of repayhnent.
We compute Periodic Finance Charges each day for purchases, cash advances. balance transfers and ON Balances (which we refer to as transaction categories) by using the totwwg
equation: Average Daly Balance x number of days in the billing period x Daily Periodic Rate. (Refer to the finance charge summary on the front of your statement for these amounts.)
Then we add all the Periods Finance Charges for each transaction category to get the total Periodic Finance Charges low your Account The Average Daly Balance is hsihorm as 0 4 no
Periodic Fiance Charges apply to the balance n a transaction category.
We use to Average Daily Balance (including new bansactmns) method of calc lating the balance upon which we impose Periodic Finance Charges. We compthle the average daily
balance for each transaction category by adding up at the daily balances In a billing period for a transaction calegory and dividing the total by the number of days in to tiring cycle. We
compute the defy balance for each transaction category on each day by first adding the folio" to the previous days daily balance: transactions made Mat day. fees clanged that day,
and Periodic Finance Charges accrued on tie previous days daily balance; and by then subtracting any credits and payments tat are applied against the balance of the transaction
Old from the balance of the purchase and cash advance transaction categories. Special rate balance transfers and Balance Transk r Transaction Fee Finance
Charges are included in to daily balance transfer transaction category. Balance transfers tat were subject to an initial special rate that has been terminated due to a Nate payment are
also added in to category until the initial special rate otherwise would have expired. In calculating the defy balance of the balance Moller transaction a*" on th first day of the
billing period, we subtract the unpaid balance of those Balance Transfer Transaction Fee Fiance Charges and balance transfers Nat became purchase rate balance transfer; on that
day and we add that unpaid balance to the balance Of the pucaase transaction category.
All tees charged to your Account are added to the purchase transaction category with the exception of Cash Advance Transaction Fee Fina ce Charges which are added lo to ash
advance transaction category and Balance Transfer Transaction Fee France Charges which are added ton to balance transfer transaction category . A a transaction made in a previous
bil ng period is itemized on this statement, we consider to transaction date to be the first day of the current ding period women we calculate your Periodic Fianna Charges.
For TDD (Talecanmhudcatons Device for the Deal) assistance, calf 1400.347-7449.
Discover may monitor anchor record elephone cats between you and Discover representatives for quafty assurance purposes.
The Discover' cad is issued by Discover Bank. Member FDIC.
New Balance Minimum Payment Due
DISCOVER $10.229.96 $405.00
Payment Due Date
March 11, 2005
12 S0SN6A0 10005189
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Account Number ending in 1740
Enter Amount Enclosed Below
Please make check payable to Discover Platinum
Card. Minimum payment due includes a past due
amount of $200.00.
Go paperless and make your account
information more secure with password-
protected statements only you can access.
Learn more at discover comfpaperiess.
PO BOX 71084 111 Nall 1 11211111141 111181 11
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change Print change in space Ilollll11l111III1111II1llllllllllllllllllllllliepill IIJollIII
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458146742081102239600000000040500
Discover Platinum Card Account Summary
Closing Date: February 12, 2005 page I of I
Account number ending in 1740 Previous Balance $9.972.91
Payment Due Date March 11, 2005 Payments And Credits 0.00
Minimum Payment Due $405.00 Purchases + 121 17
Credit Limit $11,500.00 Cash Advances + 0.00
Credit Available $1,276.00 Balance Transfers + 0.00
Cash Credit Limit $5,800.00 Finance Charges + 129.88
Cash Credit Available $1,276.00 New Balance = $10,223.96
Yvu rw', C ::, s, ' i'os iodic Finut s vLm9a3.:ue 7.,a
reverse side for details.
Cashback Bow e
Cashback BonusO Anniversary
Month: June
Opening Cashback Bonus Balance $ 5.14
New Cashback Bonus This Period + 0-00
Cashback Bonus Balance S 5.14
How Can We Help You?
p 1 Visit D6cover.com to pay your bill for no cost, viewyour
latest Account infomation, earn and redeem rewords and mare
It's your choice - 3 ways to help 2. Coll 1-800-DISCOVER (347-2683) for fast, easysellservice
Please have your Discover Card available. options or to speak with a Customer Service Account Manager
For TDD (assistance For hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943,
Sale Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Dote Daft
0111.r/Miscellaneous Feb 12 Feb 12 DISCOVE R ACCOUNTGUARD 877-883-1959 $ 86.17
Feb 12 Feb 12 LATE FEE 35.00
Information For You
Your account is past due. Please pay your minimum monthly payment plus the past due amount.
Balance Transfer oFFer for. current billing period: Daily Periodic Rate: 0.01068%; corresponding ANNUAL PERCENTAGE
RATE: 3.90%. Rate is subject to the terms of the offer including expiration.
AR99 Charge Summary
Nominal
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Balances Rates RATES RATES CHARGES CHARGES
current billing period: 31 days
Purchases $10035.62 0.04175% 15.24% V 1514% $129.88 $0
Cash Advances $0 0.05477% 19.99% F 19.99% $0 $0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
hnimunt Ydarmaton. If there is more than one page to this billing statement, see the bade of each page for additional important Wonnation.
See your Cardnember AgreenwiL Your CardmemberAgreement curtains all the terms of your Account.
Lost or stolen cards. Report im sdiat ely! Call 1-800-517-2683.
Biting Rights Summary. In Case of Enos or OuesfionsAbout Your B0: II you fink your bill is wrong, or if you need woe information about a trarnadion on you b6, write us on a o
separate stoat of paper at Discover, PO Box 30421, Sall Lake City, UT 0413D-0421, as soon as possible. We must hear tran you no later tlnn 60 days after we sent you the fib bill an °o
which the anon or problem appeared. You can telephone us, but doing so will not preserve your rights. In your setter, give us the following information:
Yor name ad Account number.
The dollaramouM of the suspected attar.
Describe the error and explain, if you an, wiry you believe there is an error. 9 you need more information, describe the item you are unsure about.
You do not have to pay any amount in question while we are investigating, but you are sell obligated to pay the parts of your bill that are not in question. While we investigate your
question. we carrot report you as delinquent or take any action to collect the amount you question.
a,ic ;Fa:,un wz tti edit Conn PumitP-;n If .,err have roblem wmih_dce quality of it wsa servicrs rho! .rnr f r!wsas Wxh a uoak card nr fc„ 1 aw Ma!.r a guw
'tP. pr n ^ 4h . er h mL you n1a d lraa to - -
' pay rem?ruwg amotxht di.e orilr70M"sfTTarvk'Yo'U ir, pica ? s, „at?!5;5 . ?U
and the purchase was made in you have state a within 100 miles d your malling address. (t we own or operate ft merchant, or R we mailed you to adhe*ement for the goods or
services, at purchases are covered regardless of the amount or location of pudtase.)
Payments. Send only your payment and the top portion of On statement in the envelope provided. Do rah send cash By sending your dherk as described above, you aWl onze us to
use information an your check to make an electronic knd transfer from your account at the financial institution indicated on your dent or to process to payment as a died transachon,
I payment is processed as an electrode fund transfer, the transfer will be for the amount of the check. When we use information from your check to make an rdect eric h Yansler.
funds may be wAdrewn from you accent as soon as the same day we receive you payment, and you will not receive your chunk track km your finarhdal small ien.
The processing of you paymat may be delayed 0 you send cash, correspondence or other items w0 your payment, t you send the payment to any other address or it you use an
envelope other than the one provided. Payments received in proper form at our processing b a* by 5PM local time on any day will be credited in your Account as of that day. Paprherth
received at our processing bodily alter 5PM local tine will be credited b your Account as of the next day. t you have misplaced you envelope, send your payment to Discover, PO Box
6103. Card Steam. IL 6019781`03. Please allow 7-10 days for clei4ery. If your payment is returned unpaid, we reserve the right to resubmit it as an etacYaric deW
You can pay your mimrxm payment or a grunter amount of tie leloptere, and you can set up automatic payments. Call its at 18001347-2683. You will need to staiernert and your
bank account i f rmabon. You must ensue Oat stAc end kids are avalable in you bank account, and all transactions must comply with U.S. law. You will be asked to povide the krsf
5 digits of yam account stalalent ZIP code. By entering hose numbers as your electronic signature, you will be agreeing to this authorization to allow us and yew bank to dedd each
payment you aNrrize from you balk aoconl and to initiate debit or credit entries to your bank accent, as applicable to correct an era in the processing of such payment. You must
toll us the snout of each payment or you can select an amount such as the Minimum Payment Due or to New Balance on each statement You can rand a payment hummer we
must receive notes, at least tree business; days in advance of the sdiednled payment. You may rally us by phone at 1800.347.2683 or by mail at the address listed in the previaa
paragraph. I you payments may very in amount, we ill *1 you on each mahtny statement whan your payment will be made and how pinch A will be. YorAul onaic payment amount
may be less than idicated on the mammy statement based on creft or payments applied dung the billing cycle.
Credl RepoUny. We may report infanhallon about your account to crack bureaus. Late payments, missed payments, or other defaults on you account may be retkded in your credit
report. We normally report the stake and payment history of you Account to credit reporting agencies each month. 8 you believe that our report is Inaccurate or ncorplele, please wite
us at the fa8owwig address: Discover, PO Bun 15316. Wilmington. DE 19850.5316. Please include your name, address, hone telephone number and Account n miter.
Periodic Finance Charges. Except as provided below, we will impose Periods Finance Charges on purchases, cash advances, and balance transers beginning with the dale the
transaction occurs until the date of ropayment and an Old Balances until the data of repayment. Old Balances are compised of either purchases and ash advances made on or prior to
die lest day of your billing period ending doing Februarys 1993 or Reserve lire balances.
YW an avoid payment of Periodic Fiance Charges on new puncham t you pay the New Balance shown on the billing statement on which the purchase fist appears by the payment
Due Dale, and the Payments and Credits on the statement eilixal or exceed you Previous Balance. We call this the grace period' You do rat have a grace period an balance Vasfers
or cash advances. Periodic Finarhce Charges are imposed on new balance transfers and ash advances beginning wth the date the transaction oawrs.
Pen odic Fiance Charges are (posed on at transactors; and Oki Balances until the date of repayment. Repayment meal payment of you entire New Balance. However, it you pay
the New Balance shown on sus ruling statement by the Payment Due Date. and the Payments and Credits shown on this statement equal or exceed the Previous Balance. we will not
impose Periodic Finance Changes on new purchases. that is, purchases first appearing on this statement. t you Account was dosed as of September 27.1999, you can avoid payment
of Periodic Finance Charges if you pay the New Balance shown an tlus Statement by the Payment Due Date and the Payments and Credits on this statement equal or exceed you
Previous Balance. Otherwise. you will receive a biting sfakrent next month that includes periodic Fiance Charges imposed until the data of repayment
We compute Parodic Finance Charges each day for purchases. ash advances, balance transfers and Old Balarms (which we refer to as transaction categores) by using the following
Wiatien: Average Daily Balance x number of days in the billing period x Daily Periodic Rate (Refer to the inane charge summary on the ham of your staiemer t la these amount.)
Then we add at the Periodic Finance Charges for each transaction calegay to get the Iota! Periodk. Finance Charues for your Account. The Average Dauy &tance is show as 0 it no
Periodic Finance Charges apply to the balance in a transaction category.
V% use the Average Daily Balance (including new transacions) method of calculating the balance upon which we impose Periodic Finance Charges. We compute to average daily
balance fa each transaction category by adding up all the daily balances in a frilling period lor a transaction category and dividing the total by the number of days in the lillig cycle. We
eanpuke Ifs, daily balance for each tawdiom category on each day by irst adding the following to the previous day's daily balance: transactions made tot day, lees charged thal day,
and Periodic Finance Charges accrued on the previous day's daily balance: and by than sftactintg any credits and payments that are applied against the balance of the transaction
a.
caleg
Ord B3 from the balance of the purchase and cash advance transaction categories. Special rate balance transfers and Balance Tnarder Transaidw Fee Fnaha
Chagas as, induded'n the daily balance Vaster transaction category . Balance transfers tat were subject to an nAiaf special rate that has been terminated due to a tab paymert are
also Included in the at" uhd the vital special lurk otherwise would have expired. In calculating the daily balance of the balance transfer transaction calegay an the fist day of the
bilfrv period, we subtract the unpaid balance of those Balance Transfer Transedioh Fee Finance Charges and balance transfers that became pudhase rate balance transfers on that
day and we add that unpaid balance b the balance of the purchase transaction category
.
At Jam Merged to your Aemmf are added to the purchase transaction category, with to ehcepfion of Cash Advance Transaction Fee Finance Charges which are added to the cash
advance! ansaction category and Balance Trader Transaction Fee Finance Charges which are added to the balance transfer transaction category. If a transaion made in a previous
bitting period 'a itemized an this statement. we consider the transaction date to be the first day of the curet billing period when we calculate your Periodc Finance Charges.
For TDD (kieeommasnicaBae Device for the Deaq assistance, aft 18"7-7449.
Discover may monitor andho record telephone cats between you and Discover representatives for quality assurance purposes.
The Discover` cad is issued by Discover Banc. Member FDIC.
OITBKO64
DISC VEI New Balance
$9,926.35
12 SDSN6A010005190
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Minimum Payment Due Account Number ending it 1740
$199.00 Enter Amount Enclosed Below
Payment Due Date $
Apri 11, 2005 Please make check payable to Discover Platinum
Card or pay online t$ Discovercard.com.
Address, e-mail or telephone change? Print change in space
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
Go paperless and make your account
information more secure with password-
protected statements only you can access.
Learn more at discover conWpapedess.
PO BOX 71084 IlLrdlrrrr.dl..l.16rr11
CHARLOTTE NC 28272-1084
LrIrIlrrLrr6lLr?LJrLrnIlllrrJrrL.IrnIlrrlydnr6LJl
000001986458146742081099263500300000019900
Discover Platinum Card Account Summary
Closing Date: March 12, 2005 page 1 of 2
Account number ending in 1740 Previous Balance $10,223.96
Payment Due Date April 11, 2005 Payments And Credits 500.00
Minimum Payment Due $199.00 Purchases + 83.66
Credit limit $11,500.00 Cash Advances + 0-00
Credit Available $1,573.00 Balance Transfers + 0-00
Cash Credit Limit $5,800.00 Finance Charges + 118.73
Cash Credit Available $1,573.00 New Balance = $9.926.35
Yoa may-lea a ' ro avoid Periodic Finance Changes, see the
reverse side for details.
Cashbook Bonuse Opening Cashback Bonus Balance $ 5.14
New Cashback Bonus This Period + 0.00
Cashback Bonus® Anniversary
Month: June
Cashbadc Bonus Balance $ 5.14
Keep using your Discover(R) Card and watch
your Cashback Bonus(R) award growl
Remember, once Cashbook Bonus
award is at least 20, you can redeem your
award by calling us or by logging into the
Account Center at Discovercord.com.
?x
How Can We Help You? 1 Visit Discover "m to pay your be far no `ed=20
P latest Account information, own and redeem and more
It's your choice - 3 ways to help 2. Can 1-8004DISCOVER (347-2683) for fast, easysel4ervics
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
Dab Data
Payments and Credits Feb 14 Feb 14 PAYMENT THANK YOU $ .200.00
Mar 4 Mar 4_ PAYMENT THANK YOU -300-00.
Odrer/Miscellaneous Mar 12 Mar 12 DISCOVER ACCOUNTGUARD 877-883-1959 83.66
Information for You
ter offer for current billing period: Daily Periodic Rate: 0.01068%; corresponding ANNUAL PERCENTAGE
Rate is subjed to the terms of the offer including expiration.
Call 1-800.767-7315 today or visit Discovercard.com to find out if you qualify for a valuable Balance Transfer offer It's a
fast and easy way to save money!
Papereess statements can jumpstart your spring cleaning! Get rid of the excess paper in your life by receiving your
Discover(R) Card statements online instead of by mail. You'll get an e-mail lofting you know when your statement is ready to
view online. You can even pay your bill online while you're there- Go to Discovercard-com to sign up.
Did you know that millions of credit cards are lost or stolen every year? The Register(R) can help prevent credit card froudl In
the event your cards are lost or stolen, we'll cancel them and have new ones reissued to you. plus, you'll receive a credit
report & 60 day monitoring. Call 1-800-347-3395 or visit Discovercard.com to enroll.
hnpartant Mbnnatiom N there is more tan one page to tors belling statement see the bads leach page for additional important inbnnation. U)
Sae your CardmemberApreartMM. Your Ca knember Agreement contains all the terms of your Account. cn
Lost or stolen yards. Report Immedatelyd Cat 1-801.317-2611
o
Billing Rights Surmwy. In Case of Eras or Questions About Your Bill: If you think your bill is wrong, or N you need more in(onnation about a transaction on your bit, write hs an a o
separate sheet of paper at Wcow, PO Box 30421, Sal Lake City, UT 84130-1421. as soon as possible. We must hear from you no later than 60 days after we sent you the Est bill on °o
whin the error or problem appeared. You can telephone us, but doing so will not preserve yen rights. In your leder, give us the blowing information:
Your name and Account number
. o
The dollar amount d the suspected error.
Describe the error and explain, 0 you can, wiry you believe there is an error. N you need more iniamalon, describe the item you are usure about.
You do not hen b pay any arrow in question while we are investigating, but you are still obligated to pay the parts of you bit that are not in question. Wlhile we sw estigaie your
question. we cannot report you as delinquent or take any action to collect titer amount you question.
i _ Specie( RWeih r tsedit card Purchaat;; t }ou have atrablemnvMh the quality of oq_ods 2rseMce s you pusr?h eses with a credit cord, arc u have tried in hod1ei11h to -
t? a piobieiiivn h the mere and you may not have b pay the renan rg amount due on the o seivicES. You have Ifie?pr?ecton oriiy when the pudhase price was mue lhari y5p
and the purdase was made n yw home stale or within 100 miles of your mailing address. (Nwe own or operate the merchant, or N we mated you the advertisement for the goods or
services. at purchases are covered regardless of the amount or location of purchase.)
PaytrwMt Send only your payment and the op portion of the statement in the envelope provided. Do not send rasa By sending your check as described above, you autorize us to
use nonnatan on you cheek b peke an electronic land transfer horn your account at the financial institution indicated on year dock or to process the payment as a ehed transaction.
1 payment is pooessed as an electrum fund transfer, the transfer will be for the amount of the cheer. When vie use nib mabon ham your check b make an el"aw kid transfer,
funds may be withdrawn horn you account as soon as the same day we receive yaw payment, and you will not receive your check back from your financial inslibirliorL
The processing d yourpaymen( maybe delayed d you send cash. conespondence or other ikrns wlh yea payment ifyou send Me payment In any due adders or if you use an
envelope der than the one provided. Payrnenls received in proper form at our processing fatly by 5PM local time on any day will be credited to your Account as dthat day Payments
received at our processing facility after 5PM local time will be credited to you Account as of the next day. N you have misplaced you envelope, send your payment No Discover. PO Box
6103. Card Stream. L60197-6103. ?lease allow 7-10 days for delivery. N your paymentsielumed u pik. tie reserve the right b resubmit 1 as an el dmnic daUi
You can pay, you m k*nm payment or a greater amount of the leWum, and you can set up Monistic payments. Cat us at 1-000-347-2683. You will need tie statement and your
bank axeun nbmatim You must ensue that sdleent kahes are available n your bank account arhd all transactions mare comply wwahh US. law. You vdl be asked b pmMe the fast
5 digits dyers amount stabmenZIP code. By arm" Owe numbers as your electrons signaUe, you will be agreeing to this autori:aton to allow to and yow bank to deduct each
payment you authorize bom you bank accent and to indiate debt or credit entries to your bank account, as applicable to oonred an error in the processing of such payment. You must
tell us On amoum of each payment, or you can select an amount such as to Minnwm Payment Due or that New Balance on each slatenrem. You can cancel a payment, however we
must reeen a notice at bast tree hhsirmw days in advance of the scheduled payment. You may no* its by phone at 1.800.347-2683 or by mail at the address Wiled in the previous
paragraph. N your payments may vary n anent we i yet you on each money statement when you payment will be made and how much R will be. Your Automate payment amount
may be less than' N i - cd on to monthly statarant based on credits or payments applied during the billing cycle.
Credit Repor ft live may report nbnnnien about you account o credit bureaus. Late payments, missed payments, or oNar defaNts on your account may be reftaded in yew cxed's
report ft normally report the stabs and payment history of you Account b credit reporting agencies each month. N you believe that our report is inamrate or incanpnfe, please write
us at the khtowng address: Discover, PO Box 15316. Y$ninglon, DE 19650-5316. Please inc ide yaw name, address, home lelephas number and Acodxm nnbar.
Periodic Finance Changes. Eamept as provided below. we wit imposePeriodic f-inarwe l2hages on purdases, rash advances, and balance translim beg' ing Willi to data the
transaction own until the date of repayment and on Old Balances until the dale of repayment. Old Balances are comprised of either puchases and cash advances made on or prior b
the last day of your billing period ending during February 1993 or Reserve tine balances.
You can avoid permit of Periodic Finance Charges on new purchases if you pay the New Balance dam on the billing statement on wifth the purchase fret appears by the Payment
Due Date, and the Payments and Credits an the statement equal or exceed your Previous Balance. We eat this the'grace period You do not have a grace period on balance transfers
or cash advances. Periodic Finance Charges we imposed on new balance transfers and cash advances beginning with the date the transaction occurs.
Periodic Fiance Changes are Imposed on all transactions and Old Balances until the dale d repayment. Repayment mess payment of you entire New Balance. However, if you pay
1a New Balance, shown on this burg statartaM by the Payment Oka Date. and to Payments and Credits Own on this statement equal or exceed tte Prevhxa Balance, we will not
impose Peodc Finance Charges on new purchases that K pxchases first appearing on trs statement. 0 yowAocouht was dosed as of September 27,1999, you can avoid payment
of Periodic Finance Chages N you pay the New Balance shown on to Statement by tine Payment Due Date and the Payments and Creels on this stateme t equal or exceed you
Previous Balance. Otherwise. you will receive a billing statement next month that includes Periodic Finance Charges; imposed hrd tre dale of repayment.
We ennpule Periodic Finance Charges each clay far pudases, cash advances, balance transfers and Old Balances (which we refer to as bansa3im categories) by using to Solowirg
equation: Average Daly Balance x number of days in the bilfinq period x Daily Periode Rate (Rehr to the finance charge summary on the front of you statement 111r these amounts)
then we add at the Periodic Finance (law for each transaction rategory to get the wiai Perkidic Finance Charges for your Account. Tile Average Daily Balance is shown as 0 N no
periodic Fnance Changes apply to the balance in a transaction category.
We use theAverage Daly Balance (including row transactions) method of calculating the balance upon which we repose Periodic Finance Charges. We cenmule tie average daily
balance kr each transaction category by adding up all the daily balances in a baling period for a transaction category and dividing the total by the number of days in the billing tide. VO
corhlpUe the daffy balance for each taeuaction calegony on each day by first adding the billowing to the previous day's daily balance : transactions, made tat day. lees charged that day.
and Periodic Finance Charges accrued on the previous day's daily balance; and by then subtracting ay credits ad payments that are applied against the balance o (the transacbm
cat
(Nd Bahl t l"from to balance d the purchase and cash advance transaction categories. Special rate balance trasfers and Balance Transfer Tunsaion Fee Fkhace
Charges are
an initial special rate that has been mmwk*W die to a late payment we
also included In included alin the egorywill thbalance transfer transaction e trial special rate otherwise would S to
have expired. In calculating the daily balance of the Wave lae(er trareaclion cabgay on lye ist day of the
billing period, we subtract the upad balance of those Balance Transfer Transaction Fee France Charges and balance transfers that become pucfase ran balance kasW on that
day and we add OW unpaid balace to the balance of the purchase transaction category.
At fees dwged b yourAadmt are added b the purdnase transaction category with to exception of Cash Advance Trasaction Fee France Charges which ore added b to cash
advance transaction category and Balance Transfer Transaction Fee Finance Chagas which are added b the balance transfer transaction category Na basaction male in a previous
billing period is itemized on the statement, we murder the transaction date to be the krst day of the current billing period when we calculate you Periodic Finance Charges.
For TDD (Tdacarrmnk tlons Device for the Deaf) assistance, call 1 00.347-7449
Discover may monitor andbr record teleplow calls between you and Discover representaims for quality assurance purposes.
The Dscov card is issued by Discover Bank, Member FDIC.
OITBKO54
DISCS rVER
It pays DOUGLAS ROSS
DISCOVER Account number ending in 1740
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 II 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 Disower Bank, 44emb« FDIC
R
. ?l
PFRGRN-0810
Closing Date: March 12, 2005 page 2 of 2
Thinking of moving? The Register(R) will notify all your creditors and let them know of your new address. With our Property
and Document registration service, we also make it easier for you to file a claim if important possewions are lost to fire, theft
or nawral disaster- Call 1-804347-3395 or visit us at Discovercard.com for details.
Build your Cashback Bonus(R) award with every bill you pay automatically with your Discover(R) Card. CeR phone, cable
and Internet service and health clubs: you can pay so many recurring bills with your Discover Card. What a smart, easy
way to save time and money - and earn a bigger awardl Visit Discovercard.com/autobillpay to learn more.
Redecorate. Remodel. Get More. Sign up today and get 5% Cashback Bonus(R) at Ace Hardware, Bed Bath & Beyond(R),
Lowe's(R), Menards(R), Pier 1 Imports, Restoration Hardware, SHERWIN-WIWAMS(R), Smith & Hawken(R), The Container
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tnance Charge Summary
Nominal Transaction
Average
ily
Do ANNUAL ANNUAL Periodic Fee
Daily P
eriodic PERCENTAGE PERCENTAGE FINANCE FNAN(Ji
Balances Rates RATES RATES CHARGES CHARGES
current billing period: 28 days
Purchases $9992.22 0.04244% 15.49% V 15.49% $118.73 $0
Cash Advances $0 0.05477% 19.99% F 19.99% $0 s0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
Questions? Manage your account at Discover.com or
call 1-800-DISCOVER (1.800-347-2683).
New Balance
DISC' 'VER $9,943.00
12 SDSN6AD1 0005191
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Minimum Payment Due Account Number ending in 1740
$199.00 Enter Amount Enclosed Below
Payment Due Date $
May 11, 2005 Please make check to Discover Platinum
Card or pay online 1@ bixowrcard.com.
Go paperless and make your account
information more secure with password-
protected statements only you can access.
Learn more at discover-cornipaperfesss.
PO BOX 71084 Illnrllnnnllulrllus?l
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space (urlrllrrlrrrlrllrrulrrlrlrrr1111rrrlrrlrrlrrllrrlrrlrrlrlrrll
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458146742081099430000200000019900
Discover Platinum Card Account Summary
C6sing Date: April 12, 2005 page 1 of 2
Account number ending in 1740 Previous Balance $9,926.35
Payment Due Date May 11 2005 Payments And Credits 200.00
Minimum Payment Due $199.00 Purchases + 83.80
Credit Limit $11,500.00 Cash Advances + 0.00
Credit Available $1,557.00 Balance Transfers + 0.00
Cash Credit Limit $5,800.00 Finance Charges + 132.85
Cash Credit Available $1,557.00 New Balance = $9,943.00
'- You may be able mn avoid Periodic hoonce Charge:, "m the
reverse side for details.
Cashback Bonuse Opening Cashback Bonus Balance $ 5.14
New Cashbock Bonus This Period + 0.00
Cashback Bon u36 Anniversary
Month: June
Cashback Bonus Balance
5.14
Keep usinngg your Discover(R) Card and watch
your Cashback Bomrs(R) award growl
Remember, once yyoour Coshbock Bonus
award is at bast s20, you can redeem your
award by calling us or by logging into the
Account Center at Discovercard.com.
How Can We Help You? I Visit Discover corn to pay yaw lei for no cost, view r
latest Account information, cam and redeem rewards surd more
It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self service
Phase have your Discover Card available. options or to speak with a Customer Service Account Manager
. Write us at Discover Card, PO Box 30943,
3
For TDD assistance For hearing impaired) ired see reverse side
( 9 Pa) Sat Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Date Date
Payments and Credits Apr 5 Apr 5 PAYMENT THANK YOU $ -200.00
Other/h"aneous Apr 12 Apr 12 DISCOVER ACCOUNTGUARD 877-883.1959 83.80
Information For You
Balance Transfer offer for current billing period: Daily Periodic Rate: 0.02164%; corresponding ANNUAL PERCENTAGE
Min Rate is subject to the terms of the offer including expiration.
What if your credit Falls into the wrong hands? Reduce your risk of identity theft and credit Fraud with ProfilePrdect(R). This
comprehensive service helps safeguard you against misuse of your personal credit information. Visit ProfilsProtect.com/safe
for more information or to enroll.
Important Information. R there is more than one page tables ding statement, see the bad of each page for aditonal imponat idom ition. o
See your CardmanlerAgreament Yotr CafdmenberAgeement Cntaine at the terns d yourAccout.
Z
Lost or slolar cards. Report 1ely! Car 140.347-2683. o
Billing RWft Summary. In Case of Enois or Otuestioosdbout Your Bft: If you 11" you bill is wrong, or I you need more information about a transaction on your bill, write us on a c
separate sheet of paper at Discover. PO Box 30421, Sall Lake City. UT 84130-04211 as soon as possible. We must hear from you no haler than 60 days alter we sent you the W biz on °o
which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the fotoweig information: N
Your name and Account number. TO
The dollar anoat of to suspected error.
Desobe the error and explain, N you can. why you behove there is an error. II you red more ido nation, describe to Nan you are unsure about.
You do not have to pay any amount in quesion while we are investigating, but you are still obligated to pay the pant of you bill tat are not in question. While we investigate your
question, we cannot report you as deMpurert or take any aclen to collect the amount you question.
Specui Ruin to Credit Cant Purchases: if you have a problem with the quality of goods a sevizs
hh:kya puxrlh.'Se:, with a vo:4 cau, a.d yam ha:e tried in iwod Eoaxrcd
#M7-4c:m wn!filfw merchant. you may no!, have to pay etc m mraring amosN We at'the goodA toitxslbottant a pratr?sinn ct ?l nI a porch p^v wn m+ro'ftwr1 tY
and tha purchase was made in you home state or w0m 100 miles of your mailing address. (t we own or operate the merchaK or N we mailed you the adverYStrneril for the goods or
services, at purchases are covered mgadbss of the amount at location of purchase.)
Payments. Send only your payment and to top portion of this statement in to envelope provided. Do not send cash. By serrrir g yam dad as described above. you authorize us to
use information on your chedu to make an ebcionic frrd transfer from you account at the financial insWaim Indicated on yam deck or to process the payment as a dad transaction.
If payment is processed as an electronic fend transfer. the transfer will be for to amount of the check. When we use Ytomoatiun from you dtedt to sake an deckop fund transfer,
funds may be witdrawn from you account as soon as the same day we receive you payment, and you will not receive you died bad from yaw financial irmtlkoh.
The prig of your payment may be delayed N you send cast, correspondence or older i erm with your payment, N you send the payment to any other address or it you use an
envelope dim tarn the one provided. Payments received in proper form dour processing facility by 5PM bcal lime on any day will be credked to your Account as of tat day Pam
received at our processing facility ate SPM focal fore wit be credited to yo r Account as of fie next day. K you have rnisplaoed yar envelope, said you payment lo Discover. PO Box
6103, Card Stream, IL 601978103. Please allow 7-10 days for delivery. tyour payment is returned unpaid, we reserve the right ibresubmit it as an eLdraric debt
You can pay you m niaurn payment or a greeter amount of the telephone, and you can set up automatic payments. Cat us at 1-000.347-2663. You will reed this, staleme t and your
bw* account nlomaion. You roust ensure tat suRrce t fowls are available in your bank account, and at transactions must campy with U.S. law. You will be awed b provide the fist
5 degifs of your account sulemert 21P code. By entering those numbers as yam electronic signature, you will be apeeig to this atrtnortmim to allow us and yaw be* to dedud each
payment you authorize from you bank account and to mifate debit or credit entries to your bank account, as applicable lo orect an error in the processing of such payrrhent You must
tell us the enact of each psymeK or you can select an snout such as the Minimisn Payment Due or the New Balance on each statement You can cancel a paymeK however we
roust receive mice at least three business days in advance Ollie scheduled payment You may nobly us by phone at 1.800.347-2663 or by mad at the address fisted in ft previous
paragraph If your payments may vary in mnA we 7 kit you on each monthly statement when you payment will be mark and how much t will be. Your Automatic payment arriount
may be loss than #xkated on the monthly statement based on credits or payments applied during the billing cycle.
Credit Reporting. We may report inbmar onn about you account to credit bureaus. Late payments, missed payments, or other defaults on your account may be netectad in you credit
report We normally report the stake and payment history of your Account to credit reporting agencies each month. t you believe to our report is inaccurate or inrxmptee, please write
us at the btowirg address: Discover, PO Box 15316. Wininflah. DE 19850-6316. Please include you new. address. hone telephone number and Acmtnt number
.
Periodic Finance Charges. Fwept as provided below. we will impose Periodic Finance Charges on purchases, rash advances, and balance handers begwning wIn the date the
transadim occurs hind the dale of repayment and an Ofd Balances until the data of repayment. Old Balances are composed of either purchases and cash advances made on or prior to
the last day of your b&V period enhdag during February 1993 or Reserve Line balances.
You can avoid payment of Periodic Finance Charges on new purchases, it you pay the New Balance shown on the billing statement on witch the purchase dst appears by the Payment
Due Date, and the Payments and Credos on the statement exyual or exceed yam Previous Balance. We at this the -grace period' You do not have a grace period on belarnce transfers
or cash advances. Periodic Finance Charges are imposed on new balance transfers and cash advances be*" with to dale the transaction Occurs.
Periodic France Charges are imposed on at transactions and Old Balances until the date of repayment. Repayment means payment of you nbre New Balance. However. N you pay
the New Balance shown on this bing statement by the Payment Due Date, and the Payments and Credits shove on this stelenwt equal or exceed the Previous Balance. we will not
impose Periodic Finance Charges on new puudheses, that a, purchases first appearing on this sralment If you Account was dosed as of Seple ber 27,1999, you can avoid payment
of Periodic I'marice Charges N you pay the New Balance shove on this statement by the Payment Due Dale and the Payments and credits on this statement equal or exceed yaw
Previous Balance. Otwnnse, you will receive a Wing statement next month that ndudes Periodic Finance Charges imposed until the data d reparre t.
We compute Periodic Finance Chharges each day for purchases, rash advances, balance transfers and Old Balances (which we refer to as transaction categon es) by using the fotorvlg
equabm Average Daly Balance x number of days in the Ding period x Dally Periodic Rate. (Refer to due finance charge summary on the boot of you statement for these amounts,)
Then we add all the Periodic Finance Charges for each transaction category to gel the ldal Periodic France Changes for your Account. The Average Daly Balance is shown as 0 t no
Periodic Finance Charges apply to the balance in a trarsectim category.
We use #a Average Daily Balance (inck d raw transactions) meted of calculating the balance upat which we impose Periodic France Charges. ilk conpule to average dally
balance for each transaction alegay by addig up all to daily balances in a filling period for a transaction category and dwdrg the lolal by the nu ter of days in the liftV cycle. Vie
compute the daily balance for each transaction category on each day by fret adding the following lo the previous days daffy balance: trarhsaciona made that day, fees cloged that day.
and Periodic France Charges accrued on the previous days daily balance: and by ten subtracting any credits ant payments that are applied against tlhe balance of the transaction
cateMV"
Old from the balance of the purchase and cash advance transaction categories. Special rate balance transfers and Balance Transfer Trarsachorh Fee Finance
Charges are included in to daily balance transfer transaction alegoy. Balance transfers that were a4e d to an Mat special rate 10 has been terminated due b a We payment are
also itdded in the category until the i iial special rate otherv iss wand have expred. In calculating the daily balance of the balance transfer transa him cafe" on the kst day of the
blig period, we subtrad the unpaid balance of those Balance Transfer Transaction Fee France Charges and balance transfers gat became purchase rate balance taakrs on tat
day and we add that unpaid balance to the balance of Or p tctase transaction category.
Ail fees charged to your Acm nt are added to to purchase transaction category with to exception of Cash Advance Transaction Fee France Charges wdtch are added to the cash
advance eansacbm category and Balance Transfer Transaction Fee France Charges which are added to the balance rransfm Iasaction call" t a trace ion made r a previous
bring period is iterniied on the. statement, we consider the transaction date to be the first day of de curet tilling period when we alalate your Periodic Finance Charges.
For TDD (Tekcor nuiftatiern Device for the Deaf) assistance; cat 1800347-7449.
Disoower may monitor ardfor record telephone cats between you and Discover representatives for quality assurance purposes
The Discover' and is issued by Discover Batt, Member FDIC.
0lTBKO64
B pays to DOUGLAS ROSS
DISCOVER DISCOVER Account number ending in 1740
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02010 Discover Bank, Member FDIC
O*4
a
PPRGRN.0810
Closing Date: April 12, 2005 page 2 of 2
finance Charge Summary
Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE MANGE F*w4CE
Bolances Rates RATES RATES CHARGES CHARGES
current bining period: 31 days
Purchases $9939.13 0.04312% 15.74% V 15.74% $132.85 $0
Cash Advances $0 0.05477% 19.99% F 19.99% $0 $0
The rates that apply to your Account are either fixed (F) or they may vary M as noted above.
Questions? Manage your account at Discover.com or
call 1-800-DISCOVER (1-800-347-2683)
New Balance
DISC. VER $9,870.70
12 SDSN6A01 0005192
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Minimum Payment Due Account Number ending in 1740
$198.00 Enter Amount Enclosed Below
Payment Due Date $ 1
June 11, 2005 Please make check payable to Discover Platinum
Card or pay online Dixovercard.com.
Address, e-mail or telephone charge? Print change in space
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
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PO BOX 71084
CHARLOTTE NC 28272-1084
LnIr1(u1nr1n11nr1uitiuu1111rrr(uidol ulI 11111111 1111111
000001986458146742081098707000200000019800
Discover Platinum Card Account Summary
Closing Date: May 12, 2005 page 1 of 1
Account number ending in 1740 Previous Balance $9,943.00
Payment Due Date June 11, 2005 Payments And Credits 200.00
Minimum Payment Due $198.00 Purchases + 0.00
Credit Limit $11,500.00 Cash Advances + 0.00
Credit Available $1,629.00 Balance Transfers + 0.00
Cash Credit Limit $5,800.00 Finance Charges + 127.70
Cash Credit Available $1,629.00 New Bnlorce $9,87070
'?n-'?blL9 to '"aG t'3r`ti:diC
You -.0y ?
.__!,.;fgeS, see
reverse side for details.
Cashback Bonuse Opening Cashbock Bonus Balance $ 5.14
New Cashbock Bonus This Period + 0.00
Cashback Bonus Balance $ 5.14
Cashbock Bonu36 Anniversary
Month: June
Keep using your Discover(R) Card and watch
your Cashbock Bonus(R) award growl
Remember, once yyo?ur Cashbock Bonus
award is at least $20, you can redeem your
award by calling us or by logging into the
Account Center at Dixovercard.com.
How Can We Help You? I Visit Discover com to pay your bil for no cod isM' your
P latest Account information, earn and redeem rewads and Moro
It's your choice - 3 ways to help 2. Call 1-8004NSCOVER (347-2683) for fast, easy self-service
Please have your Discover Card available. options or to speak with a Customer Service Account Manager
3. Write us at Discover Card, PO Box 30943,
For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 8A) 30
Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence.
Trans. Post
Date Date
Payments and Credits Apr 23 Apr 23 PAYMENT THANK YOU $ .200.00
Information For You
Balance Transfer offer for current billing period: Daily Periodic Rate: 0.02164%; corresponding ANNUAL PERCENTAGE
RATE: 7.90%. Rate is subject to the forms of the offer including expiration.
ri ance" Charge Summary
Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FNANCE FNANCE
Bownce Rates RATES RATES CHARGES CHARGER
current billing period: 30 days
Purchases $9871.54 0.04312% 15.74% V 15.74% $127.70 $0
Cash Advances $0 0.05477% 19.99% F 19.99% $0 $0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above
Build Your Savings on YOUR Schedulel Open a Discover Bank Money Market Account and sign up for AutoSavers today!
Save money for whatever you wish by scheduling weekly, bi-weekly or monthly deposits into your Accountl Visit
Discoverbank.com. Member FDIC.
Important kJormatim t there is more him one page in this billing st lemons, see the back of each page lor additional important khiamatian. cn
Ses your Cardmembar AgreernsK Your CardmernberAgreemert contains all the terns of your Account. rn
z
M
Lost or stolen cards. Report nhmedialely! Galt 14W.347-2683. o
Billing Rights Summary. In Case of Enors or Ohrestions Abut Your Bit t you took your bill is wrong, or d you need mare information about a tasacion on your bA write us on a o
separate sheet of paper at Discover, PO Box 30421, Sat Lake Coy, UT 84130-0421. as sown as possible. Vie must hear from you no later than 60 days alter we sent you the first b0 on
c
which the amor or problem appeared. You can leleplhone us, but doing so will not preserve your rights. In your letter, give us the following information: c;
Your name and Account number. N
The dollar amount of the wspected error.
Describe the error and explain, 0 you can, why you believe Owe is an anon. If you need more inkunabon, describe the tern you are unsure about
You do not have to pay any anmarn in question while vie are nvestig", but you are sal obligated to pay the parts of you bit that are not in quesim. While we investigate you
question. we cannot report you as delinquat or take any action to COleat the amount you question.
Sfa !al RtRn fnrlM woit traMt ss N Y%, nave d prcblerrlr. h aid ^* x>ittt•. z v _ at you yr rf a s r o i" card, artiycu have Into ;:goon} ksitlrter? reel, - _
the problem vin one mercna* you may not have to pay the remaining amount due on the IpW or services. You imave 9w pruiedao awy *hen the purchase price vial more than SW
and the purchase was made in your home stab or wil m 100 miles of your mailing address. (t we own or operate On Radiant, or t we rnaicW you fie aduerrtserner tta the goods or
services, all purchases are covered regardless of the amount or balon of purdhase.)
Payments. Send only your payment and is top portion of the statement in Ohe envelope provided. Do not send cash. By sending your check as iincrbed above, you aull acre us to
use ktomabon on your check to make an electronic, hand transfer from your account at the financial institution indicated on your check or to proem the, payment a a died liansacbm.
N payment is processed as an eledrow fond transfer, the transfer will be for the an ouht of the check. When we use information from you check b make an o leckorhic fund Wainsfet,
funds may be withdrawn from you account as soon as the same day we receive your payment, and you will not receive your check bad from you lines hdai useliktah
The processing of your paynhent may be delayed if you send ash, kxrimpo Bence or other gems with your payment, t you send the payment to any drr address or t you use an
envelope other than the one provided. Payments received in proper form at our processing facility by 5PM bbl tone on any day will be aedted to your Amount as d the day. Payments
received at our processing ladtity ate 5PM local bm a wil be credited to your Account as of the red day. t you have misplaced your envelope. said your paymet b Discover. PO Box
6103, Carol Steam 8.60197-6103. Please allow 7-10 days for delivery. If your permit is returned unpaid, we reserve die rot to resubint it as an mectioic dehi
You can pay your minimum payment or a greater am mint of the telephone, and you an set up anorak payments. Call us at 1.600347-2683. You will need this statement and your
bank account information. You must ensue that sufficient funds are available in you tank amount and all transaction must comply with U.S. Mw You will be asked b preside the frsc
5 digits of your accent statement ZIP code. By entering those carters as your electradc sigratre, you will be agreeing to this w horfzalfm to allow us and your bw* to deduct each
payment you authorize ken you bank acmrt, and b niiae debit or credil erhties to you bank account, as appic" b correct an error in the pnocessingd such payment You must
ill in the amount of each payment, or you can select an amunt such as the liliirsm Payment Due or the New Belavice on each statement. You can rancd a payment however we
must receive noticeat least three business days in advance d the s3hedted payment You may no fy us by phone at 1-800347-2683 orby mail at to adAess feted in ft previous
paragraph. K your payments may vary in apart, we 0 Id you on each moony statement when you payment wvl be made and how munch it will be. Your Aubmafc payrie t amount
may be Iris tan indicated on the monthly statement based on credits or payments applied dung the Wing cycle.
Credit Rsporft ft may report intamabon abed your account to a add bureau. Late payments. missed payments, or other defaults an you amount may be rev laded in your credit
report. We normally report the stake and payout history dyou Account to credit repo" agencies each north. If you believe to our repot is i acc rate or'
onpkfe, please aorta
us at the tolowtng address: Discover, PO Box 15316, Wibdnhgbn, DE 198545316. Please incnrde yourname, address, Mme ldephone mnba andAccou t number.
Periodic Fknarnce Charges. Except as provided below, vie will impose Periodic Finance Charges on purchases. ash advances, and balance iamb b>eginitgellh she dark the
transaction occurs urd the date d iepayment ant an Old Balances until the date o repayrri t. Old Balances are comprised d either purchases and ash adraooes made on or poor to
the last day of your billing period an ding during February 1993 or Reserve tine balances.
You can mad payment uhf Periodic Faharoe Charges on new purchases d you pay this New Balance sham on the piling stalernent on which the purchase first apprars by the Payment
Due Date, and the Payments and Credits on to statement equal or exceed your Previous Balance. V& at this the "grace period' You do not have a grace period on balance transfers
or cash advances. Periodic Finance Charges are imposed on new balance transfers ant ash advances beginning with the bete the transaction ooars.
Periodic Finance Charges are imposed on all transactions and Oil Balances arol the date of repayment. Repaynohl means payment d your acre New Balance. However, l you pay
the New Balance shown on this billing statetrhad by the Payment Due Date. and the Payments and Creft stanwh on On stelemeo equal or etoeed to Previous Balance, we will not
impose Periodic Fina ce Charges on row pudnaus, that's, purchases first appearing on this statement. R yo rAa»u t was dosed as d Sepinnber 27.1989, you an avoid payment
of Periodic Finance Charges if you pay the New Balance shown on to Statement by the Payment Due Date and tine Payments and credits an this slalanewt equal or exceed your
Previous Balance. Otherwise, you will receive a billing statement next month that nckcdes Periodic France Charges imposed u rd to dab of mpeyrnent.
We mnpkde Periodic Fnahce Cages each day for purchases, ash advances, balance transfers and Old Balances (vvhidh we refer to as transaction categories) by using the fotowirg
equation: Average Daly Bat rim x number of days in to biding period x Daly Periodic Rate. iRefer to the finance charge summary on the front of your stalemerd for these amounts.)
Din we add all the Periodic Fnan a Charges for each transaction category to get the otal Periodic Frna ce Chagos for your Accoumt The Average Daly Balance is shorn as 0 il no
Periodic Fnahce Charges apply to the balance in a transaction category.
We use the Average Daily Balance (including new rraksadions) meted of calculating the balance upon which we impose Periodic Finance Charges We compute the average daily
balance for each transaction category by adding up all the daily balances in a billing period for a transaction category and dividing the total by Ion amber at days in the bang cycle. We
compute the daily balance for each transaction category can each day by first adding the following to the previous days daly balance: tahsaclors shade that day, lees charged that day,
and Periodic Finance Charges accrued on the previous days daily balance; and by then subkactng any credits and payments that are applied agaist the balance of the transaction
Olddholahcas am a from the balance of the purchase and ash advance trarnaction categories. Special rail balance tankers and Balance Transfer Trasacim Fee Fewce
Charges are included! in the daily balance carder trarhsaction category . Balance transfers that were abject to an nifial special rate that has been lermi al d! due to a late payment we
also ndkded in the category until the initial special rate othawrise would have expired. In calculating the daffy balance of the balance transfer lmsadom Cale" an the first day of On
Ming period, cave subtract the unpaid balance of those Balance Transfer Transaction Fee Finance Charges ant balance transfers fecal became purcase rail hatance transfers on that
day and we add tonal unpaid balance to the balance of the purchase transaction category.
AI fees charged b your A sour t are added to the purchase transaction allegory wlh the exception dCash Advance Transaction Fee Fwhvm Chagas which as added to the cash
advance transaction category and Balance Transfer Transaction Fee Finance Charges One h are added to the balance transfer transaction category to transaction made in a previous
biting period is lemaed on this statement, we consider the transaction date to be the first day of the current billing period when we aiatak your Periodic Finance Charges.
For Tim (feloccaummicirtIciris Device for the Deiq assbstarim oat 1-800-347-7449.
Discover may monitor andlor record telephone calls between you and Discover iepesenlaives br qua* assurance purposes
The Discover° card's issued by Discover Bank, Member FDIC
OITBK064
New Balance Minimum Payment Due Account Number ending in 1740
DISC(NER $9,805.20 $197.00 Ender Amount Enclosed Below
Payment Due Date
July 11, 2005 Please make check payable to Discover Platinum
Card or pay online W N66
12 SDSN6A01 0005193
DOUGLAS ROSS Go paperless and make your account
information more secure with password-
SERLA ROSS pprrdectedstatementsonyyoucanaccess.
510 LAMP POST LN LeammoreatdiscoverconVpaperiess.
CAMP HILL PA 17011-1429
PO BOX 71084 ?((rrr(?rsrrrr??sr?r??nrn
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space (n?r??n?un?r??nn?u?n?nn????un?n?n(n??u?u(u?i?u((
above, or go to Dixover.com. Print your e-mail ocl to
receive important Account information and special offers.
000001986458146742081098052000200000019700
Discover Platinum Card Account Summary
Closing Date: June 12, 2005 Page 1 of 1
Account number ending in 1740 Previous Balance $9,870.70
Payment Due Date July 11 2005 Payments And Credits 200.00
Minimum Payment Due $197.00 Purchases + 0.00
Credit Limit $11,500.00 Cash Advances + 0.00
Credit Available $1,694.00 Balance Transfers + 0.00
Cash Credit limit $5,800.00 Finance Charges + 134.50
Cash Credit Available $1,694.00 New Balance = $9,805.20
Period _ n'io'iianrtfl Csrrge<, snrelhe
reverse side for details.
Cashback Bons` Opening Coshbacc Bonus Balance $ 5.14
New Cashback Bonus This Period + 0.00
Cashback Bows Balance $ 5.14
Cashback Bonus® Anniversary
Month: June
Keep usingg your Discover(R) Card and watch
your Cashback Bonus(R) award grow!
Remember, once Cashback Bonus
award is at least 20, you can redeem your
award by calling us or by logging into the
Account Center at Discovercord.com.
How Can We Help You?
P 1 Visit Discover corn to pay your bit for no test, view r
latest Account information, earn and redeem rewards and mare
It's your choice - 3 ways to help 2. Call 1-800.NSCOVER (347-2683) for fast, oozy self-service
Please have your Discover Card available. options or to speak with a Customer Service Account Manager
For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943,
Sak Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Dam
Payments and Credits Jun 8 Jun 8 PAYMEN T THANK YOU $ _200.00
Information For You
Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE
RATE: 4.90%. Rate is subject to the terms of the offer including expiration.
ArR 5Charge Summary Nominal
Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FINANCE FNANCE
Balances Rates RATES RATES CHARGES (MAIM
current billing period: 31 days
Purchases $9903.55 0.04381% 15.99% V 15.99% $134.50 $0
Cash Advances s0 0.05477% 19.99% F 19.99% $0 $0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
Cal 1-800.767-7315 today or visit Discovercard.com to find out if you qualify for a valuable Balance Transfer offer k's a
fast and easy way to save moneyl
Important Information. It there is more than one page to this Ming statement, see the back of each page for addifkxal important idamation. o
Sea your Cardmembor AgneemewL Your Cartimenber Agreement contains al the terms of your Account m
Z
Lost or stolen cards. Report Immediately! Call 1-800.347-2663 0
Billing Rights Summary. In Case of Errors or Questions About Your Bill: If you tank your bit is wrong, or d you need more information about a transaction or your bill, ante us to a o
separate sheet of paper at Discover, PO Bob 30421, Sal Lake City, UT 84130-0421. as soon as possible. We must hear from you no labor than 60 days after here sent you the first bit on
°o
which Ihe error or problem appeared. You can telephone us, but doing so will not preserve your rights. In you letter, give us the folowing rkxrratim: m
Your nerve and Account number
.
The dolor amourN of Ore suspected error.
Describe Ore error and explain, if you can. Wry you believe there is an error. If you need mote information, describe the hem you are alnre about
You do not have to pay any amount in question while we are investigating, but you are sit odigaled to pay the pans of you bil that are not in question. Yhtde we ovesligate your
question, we cannot report you as delinquent or take any action to collect the amount you question.
"WW Pulp W cauk Qxd fujuirs". If yarn have a pcublomwih tu: 4Ld'N of mcvfs or service>Out yntpunlra..:;;; W w ? - 4i ord, amw yore. teaw , t;c4 in., rod fadb. +Mnect _-
?...
prabler~, ,01h-7;merc[W. juimaynothave topay#*reuarfrigarwnrtttytr[irtr"?` txserty s? ^,h r?; ,'^smUm,?urdhXCO? _.-.-
'1e 4yk.,= ova; ^rcrefi?n S5r"` and Ote purchw was made in your home state a wilco 100 miles of you maifig address. (Owe own or operate the mrduent or Awe mased you the adverbseme t for the goods or
sen ions, al purchases are covered regardless of the amount or location of purchase.)
Paymorfs. Send only your payment and the top pardon of Obis statement in the envelope provided. Do not send cash. By sending your dock as described above, you autrarime us to
use idemnatior on your check to make an electronic fund transfer from your account at the financial inStluion Indicated on your died or to process the Payment as a hack trarsedion.
If papnert is processed as an electioric kmd transfer, the transfer wit be for the amount of the dhedc. When we use nkxmafon from you died to make an ekftwtc fund transfer.
buds may be withdrawn from you accent as soon as the same day we receive your payment and you will not receive your dreck bade from your froncial inslbrion.
The processing of your payment may be delayed A you send cash, correspondence or other items with your payment, A you send the payment to any oMer adhkess or Ayou use an
envelope other tan the one provided. Payments reamed in proper form at our Processing faa7Ay, by 5PM local tkne on any day wit be credited to your ACCaxd as of that day Payments
received al obr processing facility after 5PM local Unix: wil be aediled to yorAdxrmt as of the next day. If you have misplaced yourenvelope, send your payment to Discover, PO Box
6103, Card Stream, IL 60197.6103. Please allow 7-10 days for delivery If yo r payment Is returned unpaid. we reserve the right to rest av d as an a ectmricdeA
You can pay your minimum payrnent or a greater amount of the telephone, and you can set up automatic payments. Call us at 1$0-347-2663. You wil need this statement arid your
bank ecoord intorlnation. You must ensue tat subteen tends are available in your bate account, and all transactions must comply with U.S. law You will be asked to provide the fist
5 digits of your account statemad ZIP code. By entering those numbers as your electronic signahue, you will be agreeing to this authoRatioh lo allow us and your bale In deduct each
payment you authorize from you bank accord, and b initiate debit or credr enties to your bank account, as applicable b correct an e nor in the prooessirg of such payment You must
yell us the emord of each payment, or you can select an ormunt such as the Minnlan Payrbent Due or the New Balance on each statement. You can car hCPl a payment however we
must receive notice at teas! Ores Wsiness days in advance of to sdredlad payment. You may ratty us by phone at 1-8"7-2683 or by mad at to address listed in the previous
paragraph. K your payments may wary In amount we N fall you all each nantlyr statement Who you payment will be made and how much A will be. You Automak payment amount
may balm tun indicated on the monlMy statement based on coedits orpaymenls applied cl ring the biting cyde.
Credit Ropon6ng. We may rporl nkimWon about your account to credit bureaus Late payments, missed payrents, or other defaults on your account may be reflected in your aedt
repod. We noornaly report to slats and payment Aislory of Vow Account to weds repabng agencies each month If you believe that our report is nacarate or incomplete, please write
us at the blowing address: Discover, PO Box 15316. Wkninglon. DE 19850-5316. Please nckde your name, address, home telephone number andAccount number.
Periodic Flnanoo Charges. Em" as provided below. we will impose Periodic Francis Chu" on purchases, crib advances, and balance transfers beginning with the dais dre
transaction occurs unit the date of repayment and on ON Balances until the date of repayment. Old Balances are comprised of either purchases and rash advances made on or prior to
the last day of your bring period ending during February 1993 or Reserve lime balances.
You can avoid Payment of Periodic France Charges on new purchases A you pay the New Balance shown on the billing starenerd on which the padase irat appears by One Payment
Due Dale, and the Payments and Credits on the statement equal or exceed your Previous Balance. We all this the'grace, peed' You do not have a grace period on balance transfers
or cash advances. Periodic France Charges are imposed on new balance transfers and cash advances begixwhg with the date the transaction oars.
Periodic From Charges are imposed on al transacions and Old Balances unit the dale of repayment. Repayment means payment of your entire New Balance. However, d you pay
the New Balance shorn on this hang statement by the Paymed tare Date. and the Payments and Credits shown on Obis statement equal or exceed the Previous Balance. we will not
impose Periodic France Charges on new purchases. Out is, purchases first appearing an this statement t your Account was dosed as of September 27. 1999, you can avoid payment
of Periodc Finance Charges A you pay the New Balance shown on his Statement by the Payment Due Dale and the Payments and Credits on this statement equal or exceed you
Previous Balance. Otherwise, you will revive a b&V stafenbet nest month that includes Periodic France Charges irmpaeed unil the date of repayment
We compile Periodic France Charges each day for purchases, cash advances, balance transfers and Old Balances (which we refer to as transaction categories) by using the idlavvirhg
equation: Average Daly Balance x number of days in the biting period x Daily Periodic Rate. (Refer loo the trance large summary on the trot of your saternet for Obese amounts.)
Than we add at the Periodic Finance Charges for each transaction category to gel the total Periodic Finance Charges for your Account The Average Daily Balance is sham as 0 it no
Periodic France Charges apply to the balance in a transaction category.
We use tee Average Daly Balance (including new tarsal ons) method of calculating the balance upon which we impose Periodic France Charges. We compute In average daily
balance for each transaction alegory by adding up al the daily balances in a billing period for a transaction category and dividing the total by the number of days in the bdbV cycle. V&
compute the daily balance for each transaction a0egory an each day by fast adding tie blkxwtng to the previous day's daily balance: transactions made fiat day, lees charged that day.
and Periodic France Charges accrued on the previous days daily baance: and by then subtracting any credits and payments that are applied against the balance of the transaction
04W
Old from the balance of the purchase and cash advance transadtion categories. Special rate balance transfers and Balance Transfer Transaction Fee Fnancr
Charges are Included in Oa daily balance transfer transaction category. Balance transfers tat were subject to an inn" special role tut has bash temanated due b a We paymns are
also included in to category until the Iflllat spatial rate otherwise world have expired. In calculating the daily balance of the balance traislar tansac4ah category on Obe list day of the
billing period, we subtract the amid balance of those Balance Transfer Transaction Fee France Charges and balance transfers that become purchase rate balance transfers on that
day and we add that unpaid balance to the balance of the pucase transaction category.
AN fees charged b your Accent are added to the purchase transaction category with the exception of Cash Advance Transaction Fee France Chagos which are added to the ash
advance transaction category and Balance Trader Transaction Fee France Charges which are added to Be balance transfer transaction category. t a transaction made in a previous
btrg period is Itemized on this statement, we consider the transaction date to be the fist day of the current biting period when we calculate your Periodic Freance Charges.
For TDD (Telecommmicadois Device for the Deal) asses, cat 1-800.347-7449.
Discover may monitor ardor record telephone calls between you and Discover representatives for quality assurance purposes.
The Discover' card is issued by Discover Bair, Member FDIC.
OITBK064
DISC VIER New Balance
$9,973.88
12 SDSN6A010005194
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Minimum Payment Due Account Number ending in 1740
$397.00 Enter Amount Enclosed Be6w
Payment Due Date
August 11, 2005 Please make check payable to Discover Platinum
Card. Minimum payrnert due inckides a past due
amount of $197.
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 accent
information more secure with pasaword-
pprrotected statements arty you can access.
Learn more at discover comlpaperless.
PO BOX 71084
CHARLOTTE NC 28272-1084
11111111111111111 IU111111111))161 will 'In?'OIr1?11I1?11)?
000001986458146742081099738800000000039700
Discover Platinum Card Account Summary
Closing Date: July 12, 2005 page 1 of 1
Account number ending in 1740 Previous Balance $9,805.20
Payment Due Date August 11 2005 Payments And Credits 0.00
Minimum Payment Due $397.00 Purchases + 39.00
Credit limit $11,500.00 Cash Advances + 0.00
Credit Available $1,526.00 Balance Transfers + 0.00
Cash Credit Limit $5,800.00 Finance Charges + 129.68
Cash Credit Available $1,526.00 New Balance = $9,973.88
10u may tie ui ar: rTMnid Periodic Finance Ouirges, see Me
reverse side for details.
Cashbaek Bonuse Opening Cashback Bonus Balance $ 5.14
New Cashbock Bonus This Period + 0.00
Cashback Bons Anniversary
Month: June
Cashback Bonus Balance $ 5.14
How Can We Help You? 1 Visit Dixover.cem to pay your lei for all coot, view r
P latest Account information, eam and redeem "VIeW and more
It's your choke - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self service
options or to speak with a Customer Service Account Manager
Please have your Discover Card ovoiloble. 3. Write us at Discover Card, PO Sox 30943,
For TDD (assistonce for hearing impaired) see reverse side Solt Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Date Dale
0*w/MisceNaneous Jul 11 Jul I 1 LATE FEE $ 39.00
Information for You
Your account is past due. Please pay your minimum monthly payment plus the past due amount
Balance Transfer offer for current billing period: Daily Periodic Rate: 0.04381 %; corresponding ANNUAL PERCENTAGE
RATE: 15.99%. Rate is subject to the terms of the offer including expiration.
f8mi Charge Summary
Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FNANCE FNANCE
Balance s Rates RATES RATES CHARGES C11ARGE5
current billing period: 30 days
Purchases $9867.73 0.04381% 15.99% V 15.99% $129.68 $0
Cash Advances $0 0.05477% 19.99% F 19.99% $0 $0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
ImP~ Information. t there is more than one page to this billing statement, see the back of each page for additoraa irnportant infpmabon. C/3
Sse your Cxdnwnber Agreement. Your CardmemberAgreement contains at the terms of yourAccount. rn
z
Lost or stolen cards. Report nanediaielyi Call 1-8"7-2693. 7-2663. o
Bing Right Suranary. In Case of Errors or OuestionsAbout Your Bat If ymw Pink your bill is wrong, or # you need more information about a transaction on you bill. write us on a c
separate sheet of paper at Discover. PO Book 30421, Saft take filly, UT 04130.04211, as soon as possible. We must hear from you no later tan 60 days after we sera you the knst bill on o
whack the error or problem appeared. You can telephone us, but doing so will rd preserve you rights. In your Wier, give us the Iollowng information: N
You name and Account number.
The dollar amount of the suspected error.
Describe the error and explain. I you can, wiry you believe there is an error. t you need more information. describe the Rem you are unsure about
You do not have to pay airy amount in question while we are investigating, but you are shill obigaled to pay the pacts of your bill that are not in question. While we imestgae your
cluesim. we cannot report you as delirquea or take any action b cooed the amount you question.
::.:._ ^:ymfMidsdTfrvr; rgt!urchasds It you traveagroMtmwith-theyuahly_JM' seavicrstt>etvnu.y vriliacregcard?"A r ^,zm md.ino,w _raNb+nrrect
the Wwiem WM the merchant, you may not have to pay the remaining amount due an the goad or services. You nave the protection only when the purd", prase was more dm S9d
and the purchase was made in your hone state or within 100 miles of your maing address. (t we own or operate the merchant, or I we maned you the adver someht for the goods or
services, at purchases are covered regardless of the amount or location d purchase)
Payments. Send only your payment and the top portion d this statement in the envelope provided. Do not send cash. By sanding your Chador as desabed above, you auticri a us to
use itfarrraion on you died b make an elactronrd fund basfer from you amont at the fsancal nstilutiom indicated on you died or to process the paymet as a died transactim.
N payment is processed as an electronic kind transfer, the transfer will be for the arouse of the dock. When, we use information from you check to make an I I is had transfer,
finds may be will dawn from you a word as soon as the same day we receive your payment, and you will not receive you died back cam you financial nstirrm.
The processing of your payment may be delayed if you sad cash, correspondence or other Rats with your payment, I you send the payment to any other address or I you use an
envelope other two the one provided. Payments received In proper firm at our processeg farily by 5PM local lime on any day will! be aedfed to your Acoaad as dtnal day. Payments
received at our processing body) after 5PM local fine will be c wiled to yaaAccokad as d lire next day. t you have misplaced your envelope, send your payrret b Discover, PO Box
6103, Card Sham. 1L60197-6103. Please allow?-10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit R as an dectionic debt:
You can pay you minimum payment or a greater amount of the teleplhau, and you an set up mdo atic payments. Cal us at 1400-347.2683. You will need tors statrrwd acid your
bank amast information. You must nape that coked hats are avaRede in you bank account. and at basadbs must comply YA U.S. W. You will be aslhed to provide the fist
5 digits of your a court statement ZPcode. By aching those ambers as you eloectronnlo agnall", you will be agreeing to this authorization to allow to and you bare to deduct earn
paymea you aAnrim from you bank amwK and to initiate debit or acct entries to your bank account, as applicable to dared an era in the processing of such payment. You mat
tell us to sheet dash payment, or you an select an a mourn such as the k imm rn Payment Me or the New Balance an each statement. You can cancel a payment. however we
mat receive noire at least three business days in advance of the scheduled payment. You bray naUfy us by phone at 1-000,947-2683 or by rtni at to address killed in the, previous
paragraph t yap payments may vary in amount, we t tent you on each rrontlny, sorter ent when your payment will be made and how muck it will be. You Aummak payrrwd arrant
may be less thee iodated on the no" staernent based on credits or payments applied during the billing cycle.
CriedR Reporting. We may report iil rrslm about your aocouil to a" bureaus. Late payments, missed payments, or other defaults an your acoourt may be reflected rn your creft
report. We normally report the stakes and payment his" of your Account to credo reportig agenhces each month. N you believe fief air report a macc rafe or moornpkfe, please wriai
us at the blowing address: Discover, PO Box 115316. W4ninglon, DE 19850-5916. Please include you name, address, hors telephone rhumba and Account nu nbe.
Pull*& Finance Charges E=W as pmWW below, we will impose Periodic France Chagas an purchases. cash advances, and balance transfers brip irg with the data the
transedim oaars until the date of repayment and an Old Balaoes until the date of repayment Old Balances are composed of eitlor purchases and ash advances node on or prior b
the last day of your brig period a ding during February 1993 or Reserve I= balances.
You an avoid payment of Periodic Finance Charges an new purchases I you pay thE New Balance shown on tee b*q staiament on which the Purchase first appears by the Paymert
Due Date, and the Payments and CradB on the statement equal or exceed your Previous Balance. We all tins the'graoe period- You do not have a grace period m balance transfers
or ash advances. Peri k Finance Charges are imposed on new balance transfers and ash advances bew" witln the dam the transaction dcc? m
Periods Finance Charges are Imposed an at transactici s and Old Balances until the date of repayment. Repaprient rheas payment of you adre New Balance. However. I you pay
the New Balance shown on tins billing statement by the Payment Due Dam, and the Payments and Credits shown an this W"nent equal or exceed the Previous Balance, we will not
impose Periodic France Charges on new purchases. that is, purcham kill appearing on this statement. R you Account was dosed as of September 27,1999, you can avoid payment
of Periods France Charges I you pay the New Balance shown on this Statanat by the Paymort Due Date and the Payments and Credts on this statement equal or exceed your
Previous Balance. Otherwise. you will receive a biking statement ned month that includes Periodic Finance Charges imposed until the dam of repayment.
Yore compute Periods France Charges each day for purchases. cash advances. balance tra islers and Old Balances (Mach wer refer to as WMIMICban Ca*OM) by using 11118 tdi0wig
eouation: Average Daily Balance x rumba of days in the billing period x Daily Periodic Ram. (Refer to the franca charge summary on the from of you statement for these amount )
Then we add all the Periodic Fiance Chages for each transaction category b get the fatal Periodic France Charges for you Account. The Average Daly Bala ce is shown as 0 t no
Periodic France Charges apply to the balance in a transaction alegory.
We use to Average Daly Balance (including row I arsactions) method of calculating the balance upon which we impose Periodic Finance Charges. We compume the average daily
balance for each transa9m category by adding tip of tine daily balances in a billing period for a transaction category ad dividing the total by the rxmbu of days in the biting cycle. We
compnfe the daily balance for each tansactm category on each day by first adding to blowing to the previous days daily balance. transactions merle flatda% ties charged that day,
and PenladC France Charges ax:med on the previous day's daily balance; and by then subtracting any credits and payments that are applied against the balance of fie transactor
OW
Bal? Iran the balance of the purchase and cash a wise transaction categories. Special ram balance transfers ant Balance Transfer Transaction Fee France
Charges are included M #a daily balance transfer transaction allegory. Balance trasle s thaa were subject to an nasal special ram tot has been tmniood due to a late paymaa are
aim ilck In the category urd the ir" spacial ram otherwise would have en red. In calculating the daily balance of the balance transfer transaction cdeM an to first day of to
being period, we subtract the unpaid balance of those Balance Transfer Trasaction Fee France Charges and balance transfers that become purchase role balance transfers; on that
day ad we add that unpaid balance to the balance of the purchase transaction ca"ory.
Al nos charged to your Account are added to the pundase transaction category with the exception of Cash Advance Transaction Fee Fiance Charges which are added b the ask
advance hansacbm category and Balance Transfer Trarsaa m Fee Finance Charges which we added b the balance transfer transaction category . If a trasacim made in a previous
bing period is iannzed on this statemaa, we consider the transaction data to be the tied day of the arrrnt big period when we calculate your Punk Fnharice Charges.
For TDO Rileearnrralicatora Device for do Deaf) assistance, cat 1400.347.7449.
Discover may molift anNor record telephone calls belvheen you and Discover representatives for quality assurance purposes.
The Discrnwer' Card is hm*d by Discover Bank. Member FDIC.
OITBK064
New Balance
R Minimum Payment Due Account Number ending in 1740
$9,709.30
DISC 3VE $195.00 Enter Amount Enclosed Below
Payment Due Date $ F -
September September 11, 2005 Please make check 6T
bb io Discover Pksfinum
Card or pay online scovercard.com.
12 SDSN6A01 0005195
DOUGLAS ROSS ? paperless and make your account
t
secure with pass
SERLA ROSS protected
statements
y You can access.
510 LAMP POST LN Learn more at discovercornlpaperless.
CAMP HILL PA 17011-1429
PO BOX 71084 111186111611111112161111111
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458146742081097093000200000019500
Discover Platinum Card Account Summary
Closing Date: August 12, 2005 page 1 of 1
Account number ending in 1740 Previous Balance $9,973.88
Payment Due Date September 11, 2005 Payments And Credits 400.00
Minimum Payment Due $19.5.00 Purchases + 0.00
Credit limit $11,500.00 Cash Advances + 0.00
Credit Available $1,790.00 Balance Transfers + 0.00
Cash Credit Limit $5,800.00 Finance Charges + 135.42
Cash Credit Available $1,790.00 New Balance = $9,709.30
_ _ be aloha rorrm?rJ ?'*nkxfm Fmn - sew One
reverse side for details.
Cashback Bonuse Opening Cashback Bonus Balance $ 5.14
New Cashback Bonus This Period + 0.00
Cashback Bonus Balance S 5.14
Cashback Bonuse Anniversary
Month: June
Cashback Bonus(R) is America's #1 Cash
Rewards Program I Full 5% Cashback Bonus
on Get More purchases in popular calaa .
ggoo
throughout the year and up to 1 % Cashback
Bonus on all your other purchases.
How Can We Hel You? 1 Visa Discovencom to pal' yarn 16A for no cost, view
P latest Account information, earn and redeem rewards and more
It's your choice - 3 ways to help 2. Coll 1-SMDISCOVER (347-2683) for fast, easy 343ervice
Please have your Discover Card available. options or to speak with a Customer Service Account Manager
3. Write us at Discover Card, PO Box 30943,
For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence-
Trans. Post
Date Dote
Payments and Credits Jul 14 Jul 14 PAYMENT THANK YOU $ -200.00
Aug 9 Aug 9 PAYMENT THANK YOU _200.00
Information For You
Balance Transfer offer for current billing period: Daily Periodic Rate: 0.04449%; corresponding ANNUAL PERCENTAGE
RATE: 16.24%. Rate is subject to the terms of the offer including expiration.
i harge Summary
Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FINANCE FWANCE
Balances Rates RATES RATES CHARGES CHARM
current billing period: 31 days
Purchases $9820.08 0.04449% 16.24% V 16.24% $135.42 30
Cash Advances $0 0.05477% 19.99% F 19.99% $0 $0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
Use your Discover(R) Card with confidence knowing that t has the identity fraud services ranked #I by Javelin Strategy $
Research. Your account is protected anytime, anywhere with $0 fraud liability guarantee and we'll call you right away if
there is unusual activity on your account. To learn more, visit Discovercard.com/protedion.
haportant lydarrwtlon. If there's more than one page to this bang statement, see the bade of each page for additional important inform bon. co
0
See your Car&tember Aareen" Your CartimemberAgreement contains all the terns of your Account on
z
Loaf or sokm cards. Report imrnediateyl Cal 7.109-317-2683. o
Btlfimg Riphls Summery. In Case of Errors or OuesUOrs About Your 801: If you think your bill is wrong, or A you need more information abort a transaction on your bill, write us on a o
separate sheet of paper at Discover. PO Box 30421. Sall Lake Gty. UT 8413DA121. as soon as possible. We must tear from you no later than 60 days after we sent you the first bil on °o
which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your teller. give us the blowing itCxmabon: ?
Your name and Amount number.
rn
The dollar amorrt of the suspected error.
Describe the error and explain. it you can. why you believe there is an error. N you need more niumnatim, describe the Bern you are unsure about. You do not have to pay any amount in question wilder we are investigating, but you are still obligated b pay the pans of you bill oral are not in question. Wile we investigate your
question. we cannot report you as delinquent or take any action to collect the amount you question.
e" 4.? our CwtR t,ahd Pur-teses:1 you have a problem w o xisor sere J t y v - cv ? rnr r a d ai r ju .11W tried n go t v i , • z-: atr-
p<I:av..t v..r fte .we„aa,M. y,;u caynwl have to pay trier remanrrh? er,>„ent due err. t'? good a .xr.«es. W .a+e i c Nr_ _?wun -h'i ,.. c. Uwe yur:iwe yrv2 w.ii nxwe ?S: SSD
and the purchase was made in you have state or within 100 riles of your maIN address. (N we own oroperale the merchant, or Awe mailed you tie adverisementforthegDOdSor
services, al purchases are covered regardless of the amount or location of purchase.)
PaymaNS. Send only your payment and be top portion ofthis statement in the envelope provided. Do not send cash. By sera iy your check as described above, you authaee us b
use information on your check to make an electronic fund transfer from your account at be firhandal nstihr6m indicated on your check or to process the payment asa deco tansacfon.
N payment is processed as an dectoric fund transfer, the transfer vd be for the amount of the check. When we use nfomWim from your check to make an eledronic fund transfer.
furls may be withdrawn tram you amount as soon as the some clay we receive your payment, and you wil not receive your check back fmrn you 6receial i slk Yon.
The processing of you payment may be delayed N you send cash, conespondenoe or other Hens Ynb your payment if you send the payment to any other address and you use an
envelope other than the one provided. Payments received in proper form a1 our processhg facility by 5PM local time on any day will be credited to your Account as of that day payments
received at our processing faddy alter 5PM local time wil be credited to you Amount as of the next day. N you have misplaced you envelope, send your payment to Discover. PO Bak
6103, Card Stream. IL 60t97b103. Please allow 7-10 daysba delivery.- Nyoir payment is returned unpaid. the reserve IN right to resubmit it as an electronic debit
You can pay your mninun payment or a greater amount of the telephone, and you can sal lip automatic payments. Call us at 1-800.347-2663. You will need this stalerrert and you
bank amount nfomnatim. You must ensue that ugk*M furls are available in your bank account and ail transactions must comply with U.S. law You will be asked to provide the fist
5 digits of your amo rt statement ZIP code. By entering dim numbers as your electronic signature, you will be agreeing to this authorization to allow us and you bank to declct each
payment you a ft&e from you bank accent and to fnliate debit or aedA entries to you bank account, as applicable to connect an error in the processg of ouch paymen You coed
bel us the amount of each payment. or you can select an amount such as ft Mirwnxn Payment Due or the New Balance on each statement. You can acrd a payment. however we
must receive notice at last free business days in advance of be scheduled payment You may ratty us by phone at 1-800.347-2683 or by mail at 0* address bad in to previous
paragraph. N your payments may vary in amour, we IN tall you on each mondhy statement when your payment wit be made and how much A will be. Your Automatic payment amours
may be less than indicated on the monthly statement based on credits or payments applied dumg the biting cycle.
Credit Reporting We may report information abed your amount to credit bureaus. Late payments, missed payments, or other detains on your account may be reflected n you credit
report. We tnonmaly, report the status and payment history of your Accent to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write
us at the blowing address. Discover. PO Box 15316. WiniNtmn. DE 19850-5316. Please include your name, address, lane telephone number and Account camber.
Periodic Finance Charges. Except as provided below, we will impose Periafic Finance Charges on purchases, ash advances, and balance transfers beginning with the dale be
transactim occurs until the date of repayment and on Old Balances until the date of repayment. Old Balances are mnprised of either purchases and cash advances made on or prior to
the last day of your billing period ending during February 1993 or Reserve Lim balances.
You can avoid payment of Periodic France Charges on new purchases A you pay the New Balance sham on the billing statement on which the purchase first appears by the payment
Due Date. and the Payments and Credits on the statement equal or exceed you Previous Balance. We cal this the -grace period' You do not have a grace period an balance transfers
or cash advances. Periodic Fiance Changes are imposed on new balance transfers and cash advances beginning with the date the transaction occurs.
Periodic France (barges are hnposed on all transactions and Ofd Balances mN the date of repaymentt Repayment mears payment of your entire New Balance. However. if you pay
the New Balance shown on dins Ming statement by the Payment Due Dale, and be PaymeMS and Credits shown on this statement equal or exceed to Previous Balance, wewl rot
impose Periodic Finance Charges on new purchases, that is, purchases first appearing on this statement N your Account was closed as of September 27.1999. you an avow payment
of Periodic France Charges if you pay the New Balance shown on this Statement by ate Payment Due Date and the Payments and Credits on On statement equal or exceed you
Previous Balance. Otherwise, you wil receive a biting statement nexl month Ihat intrudes Periodic Finance Charges imposed until the dale of repayment.
We wmpde Periodic Francis Charges each day for purchases, cash advances, balance transfers and 010 Balances (which we refer to as transaction categates) by using the blowing
equa6w Average Daily Balance x number of days in the bill" period x Dairy Periodic Rate. (Refer to the finance charge summary on the front of your statement br these anonrss.?
Then we add all the Periodic Fiance Charges for each transaction category to gal the total Periodic Finance Charges for your Account. The Average Day Balance is storm as 0 A no
Periodic France Charges apply b the balance in a transaction category.
We use the Average Daly Balance (Including new transactions) method of calculating the balance upon which we impose Periodic From Charges. We carpkte the average daily
balance for each transaction category by adding up all the daily balances in a billing period fa a transaction category and dwrdng the total by the number of days in the bilitg cycle. We
compute the daily balance for each transaction category on each day by first adding the blowing to to previous days daily balance: transactions made that day, lees charged that day.
ant Periodic France Changes accrued on the previous day's daily balance: and by ben subtracting any credits and payments that are applied against the balance of be transaction
Old Ba13WA d ffuTed from the balance of the purchase and ash advance transaction categories. Special rate balance transfers and Balance Transfer Transaction Fee France
Charges are included in the daily twalanoe transfer transaction category. Balance transfers that were subject to an initial special rate that has been terminated due to a late perm are
also included in the category until the ixlial special rate olherivise world have expired. In calculating de daffy balance of the balance transfer transaction allegory an the fret day of the
bang period, we subtract the unpaid balance of those Balance Transfer Transaction Fee Finance Charges and balance transfers that become purchase rate balance transfers on that
day and we add foal unpaid balance to the balance of the purchase transaction calegory.
AN Nos charged to your Account are added to dire purchase trarsariim category with the exception of Cash Advance Transaction Fee France Charges which are added to the ash
advance transaction category and Balance Transfer Transaction Fee France Charges which am added to the balance transfer transaction category t a trarsad"on made in a previous
Wing period is dernmed an cis statemaA, we consider the transaction dale to be to first day of the current Ming period when we calautale your Periodic France Charges.
For TOO (Tell Device for rte DeaQ assistance, a111-800.347.7449.
Discover may mortor andfar record telephone calls between you and Discover representatives for quality assurance purposes.
The Discover-card is issued by Discover Bank. Member FDIC.
O1TBIt054
DISC VER $9Now Ba
,885 f19ce
12 SDSNMOt 0005196
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Minimum Payment Due Account Number ending in 1740
$393.00 Enter Amount Encbsed Below
Payment Due Date $ 11
October 11, 2005 Please make check payable to Discover Platinum
Card. Minimum payment due includes a past due
amount of $195.00.
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-
pprrotected statements only you can access.
Learn more at cliscover.com/paperiess.
PO sox 71084 111 Iloilo
CHARLOTTE NC 28272-1084
LrL16rLrrLllrrdnJrlnrJ111rrrlydrJrrlLrLdrnlr6rll
000001986458146742081098851900000000039300
Discover Platinum Card Account Summary
Closing Date: September 12, 2005 page 1 of 1
Account number ending in 1740 Previous Balance $9,709.30
Payment Due Date October 11, 2005 Payments And Credits 0.00
Minimum Payment Due $393.00 Purchases + 39.00
Credit limit $11,500.00 Cash Advances + 0.00
Credit Available $1,614.00 Balance Transfers + 0.00
Cash Credit limit $5,800.00 Finance charges + 136.89
Cash Credit Available 51,614.00 New Balance $9,885.19
Ttati - - .. -
rrli?^w+ VLw.1F'n....iir'7"PeXtddt ?.ry..>T-q t.'11•:'y?
<,r_ µ,q
reverse side for details.
Cashback Bonus' Opening Cashbock Bonus Balance $ 5.14
New Coshbaek Bonus This Period + 0.00
Cashbock Bonus Balance S 5.14
Cashback Bonus® Anniversary
Month: June
How Can We Het You?
P I Visit Discover eom to pay your bit for end, view
latest Account information, earn and redeem rewards and mars
It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) For kasf, easy self-service
Please have your Discover Card available. options or to speak with a Customer Service Account Manager
For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943,
Sah Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Date Date
Other/Miscellaneous Sep 11 Sep 11 LATE FEE $ 39.00
Information For You
Your account is past due. Please pay your minimum monthly payment plus the past due amount
Balance Transfer offer for current billing period: Daily Periodic Rate: 0.04518%; corresponding ANNUAL PERCENTAGE
RATE: 16.49%. Rate is subject to-the-terms of theoffer including expiration.
PRAW Charge Summary
Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
_ lances Rates RATES RATES CHARM OVUM
current billing period: 31 days
Purchases $9775.37 0.04518% 16.49% V 16.49% $136.89 $0
Cash Advances $0 0.05477% 19.99% F 19.99% $0 SO
The rates that apply to your Account are either fixed (F) or they may vary M as noted above.
Important InfennaNan. N time is more Main one page to ibis burg slatemerd, see the back of each page for additional inpaat information. o
See your Cardiremter Agreement. Yaw Cardmember Agreement contains all the terms of your Account. co
z
Lost or sbMn cards. Report nanediaealyl Call t fl00 347 2683. o
Billing Rights Summary In Case of Errors or questions Abort Yow Bill: N you think your dill is Kong, OF if you need more information about a transaction on your bil, we us on a o
separate sheet of paper at Discover, PO Box 30421, Salt Lake Cly, UT 84130-()121, as soon as possble. We must hear ban you no Ater path 60 days alley we sent you lire first dl on
°o
which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter . 9" us the blowing idamatiom:
You name and Account numbs.
The dollar amount of the suspected emor.
Describe lire error and explain, N you can, why you believe there is an error. N you need more information, describe the iern you are urrnre abort. o
You do not he" to pay any amount in question wArie we are investigating, but you are still obligated to pay the pals of you bill that are not in question. While we irwes6gate your
question, we carrot report you as delinquent or ales any action to collect lire amount you question.
4Wp w Few A o ..+rk? uwjimnes:l you havea priblem with the quQV otoL" or s roods G ;,w pwdraws wan %edil car, ianu 1S,t ? . c m„J in u. u+ ilbr?WWI
l,are.. -:emair5 amounftFe"arfM ofd v ce- we -. cur z etEi7f d1En "rNW. f vos mxxue M,vI'm .
c prizb'erh w? .;,youmaynothave to PaY 9? p+5'f ifl?=, r8 pe..-.
and to purchase was made in your home sale a wi8et 100 miles of your mailing address. (N we own or operate to medhat, or 1 we mailed you the adverbsarert far the goods or
services. all purchases are covered regardless of the smart or location of purdtase.)
Payments. Send only, your petmherd and the top portion of this statement in the envelope provided. Do not send cash By sending your died as deserted above, you a thorme is to
we intomalion on you check to make an dectroric fund transfer from you account at the financial institution indicated on your dede or In process the Payment as a deck transaction.
N payment is processed as an electronic find transfer, the transferwil be for the smart a the dredc. lANren we use tn(om abon from yo r check b make an eleraatc kind transfer,
funds may be withdrawn from you account as soon as to sane day we receive your payment, and you will not receive you deck bade from your financial islih0 rL
The process" of you payment maybe delayed 'd you send cash, correspondence or other hems with your payment, N you send the payment b any other address or7 you use an
envelope other tan the one provided. Payments received in proper tam at our processing fahifly by 5PM local lane on any day will be credited to your Account as of to day Payments
received at our processing facility of 5PM local arts will be credited to your Account as of the next day N you have misplaced you envelope, send your payment to Discover, PO Box
6103, Canal Stream, IL 60197-6103. Please allow 7-10 days for delivery. If your payment is returned unpaid, we reserve the night io fesubrnit t as an electronc debit
You can pay your minimum payment or a greater amount of the tale f hone. and you an set nq automatic payments. Cal in at 1-800-347-2683. You will need this satement and your
bank aaourd information. You must ensure that sufficient krds are available in you bank account, and all transactions must comply with U.S. taw. You A be asked to provide the first
5 digits of you account statement ZIP code. By entering those numbers as your eacbodc signature. you will be agreeing to tts authorization to slow ns and you bank to deduct each
payment you authorize from you balk account. and to iA6ale debt or credit entries to your bar* account. as applicable to oared an era in the processing of such payment You must
tell us the amount of each payment, or you an select an anocrd such as the Mir i nun Payment Due or I* New Balance an each statement You an anret a payment however we
must restive rhOflce at least tree business days in advance of to scheduled payment You may notify us by phone at 1.800.347-2683 or by mail at the address how in the previous
paragraph. N your payments may vary in amount we ill *1 you on each moi ty statement when yaw payment will be made and tow much t will be. Your Auto ak payment smart
may be less Van indicated on the monthly statement based all credits or paymerils applied during the ding cycle.
Credit ReporII We may report intornraton about you account Ion credit treas. Lie payments. missed payments, oroter defatls on your account maybe reflected in you credit
report. We normally report the status and payment dsbry of your Account to aedit reporting agencies each month. N you believe red our mpat is kacarate a wwrpiew please wile
us at Me timing address: Discover, PO Box 15316. Wilmington, DE 1985M16. Please include your name, address, thorns Weplane number andAaronmt rtrrhba_
Perxx k Finarm Charges. Except as provided below, we will impose Periodic Finance Charges m purchases, ash advances, and balance transfers begriming with to date the
transaction occurs until the dale of repaymert and on Old Balances until the date of repayment. Old Balances are comprised of either purchases and ash advances made on or prior to
the Last day of your biting period ending during February 1993 or Reserve Line balances.
You can avid payment of Periodic Finance Charges on new purchases N you pay the New Balance shown on the billing stateneent on which the purchase het appears by to Payment
Due Dale, and the Payments and Credits on die statement equal or exceed your Previous Balance. M cat this the *grace period' You do not have a grace period on balance transfers
or cash advances. Periodic France Charges are imposed on new balance transfers and cash advances beginning with to date the transaction occurs.
Periodic Fnahce Charges are imposed on al banseclim and Old Balances until the date of repayment. Repayment means payment of your entire New Balance. However. if you pay
the New Balance shown on In billing statement by to Payment Due Date, and the Payments and Credits shown on the statement equal or exceed the Previous Balance, we will not
impose Periodic Finance Charges on new pwdases, that Is, purchases first appearing on tts statement. h your Account was dosed as of Seplemba 27, 1999. you can avoid payment
of Periodic France Charges N you pay the New Balance shown on this Statement by the Paymevd Due Date and the Payments and Credits on this statement equal or exceed your
Previous Balance. Otherwise, you will receive a biting statement recd month that includes Periodic France Charges imposed trtit the date of repayment.
We compute Periodic France Charges each day for purchases ash advaroes. batahce transfers and Old Balances (WK h we mien to as transaction categories) by using the Vim"
equation: Average Daily Balance x number of days in to Ming period x Daffy Periodic Rate. (Refer b the finance charge summary on the amt of your statement for Sere smarts-)
Then we add all the Penbdc Feaance Charges for each transaction category to get the total Perodie France Charges for your Acoamt The Average Daily Balance is storm as 0 t no
Periodic France Charges apply to the balance n a transaction category
.
We use the Average Daily Baance (including row transaction) method of calculating the balance upon which we impose Periodic Finance Charges. We compute the average daffy
balance for each transaction category by adding up all the daily balances in a Ming period for a transaction category and dividing the taal by l he amber of days in to bag cycle. Vile
compute the deity balance for each trarsaclim category on each day by *9 adding to following to the previous day's daily balance: kasaclian made tat day. fees tonged that day,
and Periodic Finance Charges accrued on the previous day's daily balance: and by ten subtracting any credits and payments that are applied against the balance of the transaction
Old BaI*MVt4xl`IM from the balance of the purchase and cash advance transaction categories. Special rate balance transfers and Balance Timid& Trxnsacfon Fee Finance
Charges are included in the daily balance transfer transaction category Balance transfers tat were subject to an i"special fete tat has been t nywiased due b a ate payment are
also rhduded in the category uai to naial special rate otherwise would have expired. In calculating ?t?he,,?daily balance of the balance transfer transaction category on tor: *9 day of the
billing period, vie 91?8d the unpaid balance of Lase Baance Tiasfer Tiansadim Fee France DOW and balance transfers that became purchase rale balance banister n ontat
day and we add that unpaid balance to the balance of the prdase transacion category.
AN Bees charged to your Account are added to the purdase trasacion calegay with the exception of Cash Advance Transactim Fee France Changes which are added to lhe cash
advance transaction category and Balance Transfer Transac6m Fee France Charges wNrh am added to the balance taster transaction allegory. N a transaction made rh a previous
bang period's Nemized on to stokmenL we consider the tam action date to be the first day of lie erred Wig pedod when we alaiale your Periodic Fiance Carges.
For TDD (yelecommunicatons Device for On DeaQ assistance. can I-M347-7449.
Discover may momma andlor record lelephhone cans between you and Discover representatives for quafty, asswance purposes
The Discover- card is issued by Discover Bate. Member FDIC.
OITBK064
New Balance
DISCOVER $214.66
12 SDSN6A010005197
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Minimum Payment Due Account Number ending in 1740
$10.00 Enter Amount Enclosed Below
Payment Due Dote $
November 11, 2005 Please make check payable to Discover Platinum
Card or pay online 0 Discovercord.com.
Go paperless and make your account
information more secure with password-
protected statements only you can access.
Learn more at discover.cordpaperless.
PO BOX 71084 1111111111118111111111111111
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space 1rr)r))ulur?r)1n1)ulr1nr1111ur1r,1u1n11u1rr1re)r)nll
above, or go to Diseover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458146742081002146609709000001000
Discover Platinum Card Account Summary
Closing Date: October 12, 2005 page 1 of 1
Account number ending in 1740 Previous Balance $9,885.19
Payment Due Date November 11 2005 Payments And Credits 9,709.00
Minimum Payment Due $10.00 Purchases + 0.00
Credit Limit $11,500.00 Cash Advances + 0.00
Credit Available $11,285.00 Balance Transfers + 0.00
Cash Credit Limit $5,800.00 Finance t2rargss + 38.47
Cash Credit Available $5,800.00 New Balance = $214.66
_. ,. . _ _ _. --reMs9!t9?'+ti.+'t1tf7A-Yr7'AY? •id f e110R}IC FIIMTM;:3 lQ
e' C9e f}'IP
reverse side for details. _
Cashback Bonuse Opening Cashback Bonus Balance $ 5.14
New Cashback Bonus This Period + 0.00
Cashback BowA Anniversary
Month: June
Cashback Bonus Balance $ 5.14
Cashback Bonus(R) is America's #1 Cash
Rewards ProgramI Full 5%Cash6ack 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 Hel 1 Visit Discover cam to pal' your bill! for no cod "ieM' your
P You? latest Account information, earn and redeem rewards and more
It's your choice - 3 ways to help 2. Call 1-80043ISCOVER (347-2683( for fast, easy selfaervice
options or to speak with a Customer Service Account Manager
Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943,
For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. PD te
Payments and Credits Sep 21 Sep 21 PAYMENT THANK YOU $ -9,709.00
Information For You
Balance Transfer offer for current biding period: Daily Periodic Rate: 0.04586%; corresponding ANNUAL PERCENTAGE
RATE: 16.74%. Rate is subject to the terms of the offer including expiration.
FINSWICharge Summary
Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FINANCE
Balances Rates RATES RATES CE GES Ct$
current billing period: 30 days
Purchases $2796.86 0.04586% 16.74% V 16.74% $38.47 $0
Cash Advances $0 0.05477% 19.99% F 19.99% $0 $0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
Important hMrmation. If there is more than one page to this bang statemetk, see to back of each page for additional important information. co
0
See your Cardmember Agreement Your Cardmmnber Agreement contains all the terms of your Amount Z
W
Lost or Bolen cards. Report kmlediately! Call 1-M347-2681 D
0
Bilktg W#b Summary. In Case of Eras or Questions About Your Bill: If you think your bill is wrong, or it you need more information abort a transaction on you bill, veke us on a o
separate meet of paper at Discover, PO Bore 30421, Sak Lake City. UT 84130-0421, as soon as possible. We must hear kom you no hoer than 60 days alter we sat you the first bill on °o
which the error or problem appeared. You can telephone us. but doing so will not preserve you rights. In your letter. give us the following information:
Yea name and Amount rsanber. `O
V
The dollar amount of the suspected error.
Describe to error and explain, if you can, why you believe Mere is an am If you need more information, describe the item you are unsure abort
You do not have to pay any amount in question wain we are investigating, bud you are still obligated to pay to parts of you ter that are not in question. While we irwesligate you
question. we cannot report you as delirpuent or take any action to collect to amount you question.
- S¢esxal Re4ve ieh 1:redt t:a;d Pnrmha ?;: t;ah rieaeha,pmhker wrhh +.. ti •?_?_a r o?otna ,_«arvMes twt wnu ru•r> , wtlh a *?eoil earA arna?ar h r?r via?+_m gcod!.wAh
_ .
i(e pr blwn w.+ I,.: 1.,; want, you may nut nave a pay to remaining aimiint due on tik j66d or SGrvMx?T. .J hoveT ?.:_(1rOleCaU11 oe,y A4;. 4 " YU' 3nase jitYGP Was n;ure dd9
and to purchase was made in your horse state or within 100 miles of you mailing address. (t we own or operate the merchant, or l we mated you the adtierfisainert forte goads or
services, al purchases are covered regardless of fie amount or location of purchase.)
Payments. Send only your payment ad the tap portion of this statement in the envelope provided. Do not send cash. By sending you dedk as described above, you authorize is to
use edamatm on your dkeck to make an electronic fund transfer from your account at the financial institution indicated on your dnedk OF to process to payment as a dad transaction.
If payment is processed as an electronic fund transfer, to trarlsler will be for the amount of the dick. When we use inkumabon from you chedn to make an deriodc fund transfer,
buds may be withdrew from you accent as soon as the same day we receive your payment, and you will not receive you dick bark from you financial institution.
The processing of you payment may be delayed d you send cash, correspondence or other items with your payment, 0 you send to payment to any, other address or d you use an
envelope ether then the one provided. Payments received in proper form at our processing facility by 5PM local erne ort any day wdl be credited to yo rA contas of that day. Payments
received at our processing faafty after 5PM local fine will be aed_ ?d to your Accout as of the next day. If you have misplaced youemvelope, send yam payment fo Discover, PO Box
6103, Cad Stream, It. 60197-61M. Please atow 7-10 days for delivery. If your payment is retuned upaid, we reserve the right to reskdeT A as an edrxhonicdeM
You an pay your mirwhwm payment or a greater amount of the telephone. and you an set tip automatic payments. Cab us at 1-B00-.147 2683. You will need tlrs statementt and yam
bank account intonnahion. You must ensure tat sk/Bcieni funds are available in your bank account, and all transactions must comply with U.S. law You will be asked to provide the first
5 digits of your account statement ZIP code. By entering those numbers as you electronic signature, you will be agreeing to this au nortaaim to allow us and your balk lo deduct each
payment you auli from you batik accouK and to initiate debit or credit entries to your bank account, as applicable to correct an error in the proasag of such payment. You must
tell its the amount of each payment, or you an select an amount such as the Minimum Payment Due or the New Balance on each statement You an carrodod a payment. however we
must receive notice at least three business days in advance of the scheduled payment. You may notify us by phone at IMO-147-2683 or by mail at the address listed in the previous
wK we 7 eel you on each monthly stammekt when yam payrrent will be made and how much i will be. Yo r Automatic payment amount
n
paragraph, If your payments may vary
a
,,,,
r y
'
may be less than indicated on to mW* si atemet based on credits; or payments applied dung the Ming cycle.
Credit Repor ft We may report nformation about your account lo credit bureaus. Lab payments, missed payments. or other defaults on your amount may be reflected in your cede
report We normally report ft status and payment he" of you Accent to credo reporting agencies each month. If you believe Mal our report is macarale or incomplete, please write
us at to follow" address: Discover, PO Box 15316. Wilmington, DE 198505316. Please khmklde you name, address, home telephone rnhlder and Amount number.
Periodic Finance Charges Except as provided below we will impose Periodic Finance Charges on purchases, cash advances. and balance bashers tagimkg with the date the
transaction occurs until the date of repayment and on Old Balances until to date of mpayinlent. Old Balances are comprised of either purchases and ash advances made on or prior to
the last day of your biting period ending tiring February 1993 or Reserve Line balarces
You can avoid payment of Periodic Finance Charges on new purchases if you pay the New Balance shown on He billing staleifert on which the purchase test appears by to Payment
Due Date, and the Payments and Credits on the shatement equal or emceed your Previous Balance. We cab this the Vin period' You do not have a grace period on balance transfers
or cash advances. Periodic Finance Charges are imposed on new balance transfers and ash advances beginning with the date One transition occurs.
Periodic Finance Charges are unposed on all Irarsactions and Oil Balances until the date of repayment. Repayment means payment of your entire New Balance. However, it you pay
the New Balance shown on this bil ing statement by the Payment Due Date. and the Payments and Credits shown on this statement equal or exceed the Previous Balance, we will not
impose Periodic Finance Charges on new pudeses. that's. purchases first appearing on flis statement. If your Amount was dosed as of September 27.1999. you an avoid payment
of Periodic Finance Charges t you pay the New Balance shown on this Statement by the Payment Due Dale and the Payments and Credits on this statement equal or exceed your
Previous Balance. Otherwise, you wl receive a bill" statement next month tit includes Periodic Finance Charges imposed uti the data of repayment
We compute Periodic Finance Charges each day for purchases, ash advances, balance hashers and Oil Balahoes (which we refer to as transaction categories) by using the following
equation: Average Daily Balance x number of days in the billing period x Daly Periodic Rate. (Refer to the tinare charge summary on the kaM of you statement for these amounts.)
Then are add all the Periodic Finance Charges for each Iransacbm category to get the otal Periodic Finance Charges for your Account The Average Daly Bloke 6 shown as 0 if no
Periodic Finance Charges apply to the balance in a transaction category
.
We use the Average Daly Balance (including new transactors) method of calculating the balance upon which we knpose Periodic Finance Charges. We compute the average daily
balance for each transaction category by adding up all to daily balances in a billing period for a transaction category and dividing the total by the number of days in to billing cycle. We
co pule the daily balance for each transaction category an each day by W adding the following to the previous day's daily balance: hansacbm made that day, ices charged the day,
and Penodc Finance Charges accrued on the previous days daily balance: and by then subtracting any credits and payments gig are applied agakhst the balance of the trainsaction
0.b B from the balance of the purchase and cash advance transaction ategaies. Special rate balance transfers and Balance Transfer Transaction Fee Finance
Charges are nxided in the daly balance transfer transaction category. Balance transfers that were subject to an initial special rate that has been laminated due to a late payment are
also included in to category utl the mot special rate otherwise would have expued In cahaclaeng the daily balance of the balarhce transfer transaction category an to that day of to
Wkhg period, we subtract the unpaid balance of those Balace Transfer Trensacbm Fee Finance Charges and balance bansiers May become purchase rate balance transfers on that
day and we add that unpaid balance to the balance of to purchase transaction ca"ory.
At fees charged to your Account are added to the purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added b Be cash
advance transaction category and Balance Transfer Transaction Fee France Charges which are added to the balance transfer nansacbah category. t a transaction made in a previous
bl" period is itemized on this statement, we consider the transaction date to be the first day of the current biting period when we calculate you Periodic Fiance Charges.
For TDD (Tetacommuniatons Device for the Deaf) assistance, call 1400347.7449.
Discover may monitor andtor record Wephone cats between you and Discover representatives lot quality assurance purposes.
The Dismvad card is issued by Discover Bank, Member FDIC.
OITBK064
DISC VEI Now Balance
12 SDSN6A01 0005198
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN.
CAMP HILL PA 17011-1429
Minimum Payment Due Account Number ending in 1740
$10.00 Enter Amount Enclosed Below
Payment Due Dais $ -7771
December 11, 2005 Please make check payable to Discover Platinum
Card or pay online @ Dixwarcord.com.
Go paperless and make your account
information more segue with password-
protected statements only you can access.
Learn more at discover comlpapertess.
PO BOX 71084 11111 sill sill
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space
above, or go to Discover.com. Print your e-mail address to I nlr1 loll If rIII I urlu1 rlurllllualoll ulnllnln1nlrlull
receive important Account information and special offers.
000001986458146742081001976300020000001000
Discover Platinum Card Account Summary
Closing Date: November 12, 2005 Page 1 of 1
Account number ending in 1740
Payment Due Date December 11, 2005
Minimum Payment Due $10.00
Credit Limit $11,500.00
Credit Available $11,302.00
Cash Credit Limit $5,800.00
Cash Credit Available $5,800.00
Previous Balance $214.66
Payments And Credits 20.00
Purchases + 0.00
Cash Advances + 0.00
Balance Transfers + 0.00
Finance Charges + 2.97
New Balance $197.63
Yel?.i mayable to avoid Periodic Finance Charges, see the
reverse side for details.
Cashback Bianuse Opening Coshback Bonus Balance $ 5.14
New Coshbock Bonus This Period + 0.00
Cashback Bonus Bounce S 5.14
Cashbock Bontto& Anniversary
Month: June
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 1 % Cashback
Bonus on all your other purchases.
How Can We Help You? 1 visit Discovercerrr to pay year bi for no oast, view
P latest Account information, earn and redeem rrewards and more
It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy selkserviee
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 Sat Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Date Date
Paymenh and Credits Nov 2 Nov 2 PAYMENT THANK YOU $ -20.00
Information For You
Balance Transfer offer for current billing period: Daily Periodic Rate: 0.02712%; corresponding ANNUAL PERCENTAGE
RATE: 9.90%. Rate is subject to the terms of the offer including expiration.
POW Charge Summary
Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE RHAtNCE FWANCA
Balances Rates RATES RATES CHARM CHARGES
current billing period: 31 days
Purchases $209.02 0.04586% 16.74% V 16.74% $2.97 $0
Cash Advances $0 0.05477% 19.99% F 19.99% $0 $0
The rates that apply to your Account are either fixed (F) or they may vary m as noted above.
knpaWrd Inforwafion. If there is more than one page to this billing statement, see the back of each page for additional importatd nb analon. U)
See your C>Nnwm6or Apnaement. Your Cardmember Agreement contains all ft terms of your Account Z
or
Lad or sWen ends. Repot immediately! Call 114WW-26111
Bilarp Worts Summary. In Case of Errors or OuestionsAbaRYour Bit: If you ti k your bill is wrap, or i you need more information abet a transaction on your bit, write us on a o
separate sibs[ of paper at Discover. PO Box 30421. Sat Lake City. UT 841300421, as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on °o
which the emir or problem appeared. You can telepore us, but doing so will not preserve your rights. In your letter. give us the following information:
Your name and Account number.
The dollar smart of the suspected error.
Demme to era and explain. 9 you ran, why you believe tore is an enor. If you need more nlorma0on, describe the item you are unsure about
You do rat have to pay any amours in quest" while we are investigating, but you are still obligated to pay the pats of you bit that are not in question. While we investigate your
question. we cannot report you as delnprent or take any action to called the amount you question.
SpacialRole far rmi Card Purdgses. t y%) ha,,e a problem with!he r!•raiy o? or services that ycu wrhases will a a" Card, ad ym have tried in yood4arth tooovect
- - the problem with tke merchant you may rat have to pay dre remaining amount doe an hie good a sserv cell. Youavee -pm(ec iirirwheri the grab vise price was more ?en $50
and the punt vise was made in your home stale or within 100 miles of your mailing address. (t we own or operate the merchant, or t we mailed you the advertisement for the goods or
services. al purchases are covered regardless of the amount or location of purchase.)
Payments, Said or* you payment aid the lop potion of its statement in the envelope provided. Do not send rash. By sending you died as described above, you authorize us to
use infornnal mn on your check to make an electronic lend Vw;W from your account at the financial institution indicated on your deck or to process the payment as a deck transaction.
If payment is processed as an electronic And tramler, the banister will be for the amount of to deck. When we use inkirmaham from you check to make an elecliodc tad trasler.
hails may be withdrawn from you amount as soon as the same day we receive your payment and you will not receive your died bad; from your financial islLAon.
The processing of you paymat may be delayed t you sad cash, correspondence or other lams with your payment, t you send the payment to any other address or i you user an
envelope other than to one provided. Payment; reamed in proper loan at our processing facility by 5PM local time on any day will be credited to your Aaourt as of that day Payments
received at our processing 4ht'dy after 5PM kcal line will be credited to your Account as of the next day. t you have misplaced your envelope, send your payment to Discover. PO Box
6103. Card Strew, IL 601aT6103. Please allow 7- fir days for oktvery. 0 your payment is returned unpaid. we reserve the right to resubmil it as an electronic debit.
You can pay you mwhinm paynhal or a greater amount of the blephae, and you can set up automatic payments. Cat us at 1 00347-2683. You will reed his statement and your
hank acomM Information, You rust allure that su icim Ji m& are available in your bank account, and al transactions must comply with U.S. law. You will be asked to provide the first
5 digits of your account statanem ZIP code. By entering dose umbers as your electronic signature, you will be agreeing to this eul horva0on to allow us and your bank to deduct each
payment you authorize tam you bank account, and to iitale dtthi or credit entries to your bank account, as applicable to comed an error in the processing of such payment You roust
tell us the arrant of each peyrr" or you can select an smut such as the Minimum Payment Due or the New Balance on each statement. You can cancel a payment however we
must receive notice al;east tree business days in advance of the scheduled payment You may no* its by phone at AD0.34T-2683 or by mail at the address listed in the previous
paragraph. tyour payments may vary in anoat, we A tit you on each mantly statement when your payment will be made and how much t will be. Your Automatic payment amount
may be less tun n6wMd on the monthly statement based on craft or payments applied during the biting cycle.
Cre& Reporting. M may report trtormatron about your amount to credit bureaus. Lab paymahts, missed payments, or other defaults on your amount may be reflected in your credit
report. We normally report the stabs and payment hislny, of your Account to aedi reporting agencies each montm. N you believe that our report a racarate or incomplete, pki write
us at the folowing address: Discover, PO Box 15316, Wirirglon, DE 119850-5316. Please include your name, address. home telepth o e rumba and Account number.
Periodic Finance Charges. Except as provided below. we wit impose Periodic Finance Charges on pudwses, cash advances, and balance transfers beginning with the data the
transaction occurs utl the dale of repayment and on Old Balances uM7 the date of repayment Old Balances are comprised of either purchases and cash advances made on or prior to
the last day of your big period ending dung February 1993 or Reserve Line balances.
You can avoid payment of Periodic Priarce Charges on new purchases it you pay the New Balance dorm on the bung statement on which to purchase first appears by the Payment
Due Dale, and the Payments and Credits on the statement equal or exceed your Previous Balance. We cal the the `grace period" You do not have a grace period on balance vanshers
or cask advances. Periodic Fnarie Charges are imposed on new balance transfers and cash advances beginning with to dale the transaction occurs.
Periods Finance Charges we imposed on at transactors and Cld Baances urd the data of repayment. Repayment meatus payment of your o*e New Balance. However, i you pay
tie New Balance shown on #a biting statement by to Payment Due Bate, and the Payments and Credits shown on this statement equal or exceed to Palms Balance, we will not
impose Perin is Finance Charges on new purchases, that is, purchases first appearing on this statement. 0your Account was closed as of September 27,1999, you can avoid payment
of Periodic Finance Charges 0 you pay tb New Balahee dorm on this Statement by to Payment Due Date and tte Payments and Credit on this statement equal or exceed you
Previous Balance. Otherwise, you wit receive a billing statement next motdh that indudes Periodic Finance Charges imposed until the date of repayment
We compute Periodic Finance Charges each day for purchases, cash advances, balance trasfers and Old Balances (which we refer to as transaction categories) by using ft following
egabw: Average Daily Balance x rsmber cf days in the big period x Daly Periodic Rate. ;R?fer to the fnwm &aW summary on the front of you statement for these amounts.)
Then we add al the Periodic Finamce Charges for each transaction category to get the total Periodic France Charges for your Account- The Average Daily Balance's sown as 0 if no
Periodic Finance Charges apply to the balance in a transaction category.
Mb use the Average Daily Balance (including new transactions) meted of calculating the balance upon which we impose Periodic Finance Charges. We compute the average daily
balance for each transaction calegay by adding up at tb daily balaraes in a big period for a transaction category and dividing the total by the number of days in the to" cycle M
compu le to d* belarae for each transaction calegoty on each day by fast adding the following to the previous days daily balance: transactions made that day. fees charged that day.
and Periodic Finance Charges accrued on the previous day's daily balance: and by then subtracting any credits and payments that are applied against the balance of the transaction
Oldd=V" from the balance of the purchase and cash advance transaction categones. Special rate balance transfers and Balance Transfer Transaction Fee Finance
Charges are included in the daily balance trotter tranmctionm category Balance transfers Mat were su liieu to an initial special role that has been terminated due to a late payment are
also included oft category nisi t Initial special rate oterwise would have expired. In calatatng the daily balance of the balerhce trwdu rasadlon category on the list day of the
big pedod, rue subtract the unpaid balance of terse Balance Transfer Trasadion Fee Fnance Charges and balance transfers OW become purchase rate balance transfers on that
day and we add that unpaid balance to ft balance of the purchase transaction category
.
Al boa charged to you Account are added to the purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the cash
advice transaction category and Balance Trarsler Transaction Fee Finance Charges which we added lo the balance transfer transaction category. if a transaction made in a previous
billing period is ftw ed on this statement, we consider ft transaction date to be the fast day of the current bTrg period when we calculate your Periodic Finance Charges.
For TDD (TelecanmutcaOons Device for do Deaf) assistance. cat 140.347.7449.
Discover may manor adla record lelephom calls between you and Discover representatives for quality assurance purposes
The Discover' card is issued by Discover Bank. Member FDIC.
OITBK064
New Balance
$160.27
DISCOVER
12 SDSN6A01 0005199
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
;Minimum Payment Due Account Number ending in 1740
$10.00 Enter Amount Enclosed Below
Payment Due Date $
January 11, 2006 Please make check payable to Discover Platinum
Card or pay online'@ Discovercard.com.
Go paperless and make your account
information more secure with password-
protected statements only you can access.
Learn more at discover.com/paperless.
PO BOX 71084 Illsrrllrrrrrrllrrlrllrrsll
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space Inlrl?nlml?l?in????r?u?llllu??n?nlu?lulnlnlilull
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458146742081001602700040000001000
Discover Platinum Card Account Summary
dosing Date: December 12, 2005 page 1 of 1
Account number ending in 1740 Previous Balance $197.63
Payment Due Date January 11 2006 Payments And Credits 40.00
Minimum Payment Due $10.00 Purchases + 0.00
Credit Limit $11,500.00 Cash Advances + 0.00
Credit Available $11,339.00 Balance Transfers + 0.00
Cash Credit Limit $5,800.00 Finance Charges + 2.64
Cash Credit Available $5,800.00 New Balance = $160.27
- Vou n w able to avoid Pericxlic "ina nce :. harges. se, M
reverse side for details.
Cashback Bonuse Opening Cashback Bonus Balance $ 5.14
New Cashbock Bonus This Period + 0.00
Coshback Bonus -Anniversary
Moth: June
Cashback Bonus(R) is America's #1 Cash
Rewards Programl Full 5% Cashback Bonus
on Got More purchases in popular categories
throughout the year and up to 1 % Cashback
Bonus on all your other purchases.
Cashback Bonus Balance $ 5.14
How Can We Help YOU? 1 Visit Discover com to pay your 68 for no cost, view your
P latest Account information, earn and redeem rewards and more
It's your choice - 3 ways to help 2. Call 1,800-DISCOVER (347-2683) for fast, easy self-service
options or to speak with a Customer Service Account Manager
Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943,
For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. tePost
Payments and Credits Dec 6 Dec 6 PAYMENT THANK YOU $ -40.00
Information for You
Balance Transfer offer for current billing period: Daily Periodic Rate: 0.02712%; corresponding ANNUAL PERCENTAGE
RATE: 9.90%. Rate is subject to the terms of the offer including expiration.
tnance harge Summary
Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Doily Periodic PERCENTAGE PERCENTAGE FWANCE FWANCE
Balances Rates RATES RATES CHARGE5 CHARGES
current billing period: 30 days
Purchases $189.61 0.04655% 16.99% V 16.99% $2.64 $0
Cash Advances $0 0.05477% 19.99% F 19.99% $0 $0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above
Important intormution. If Viere is more than one page to this titling statement, see the luck of each page for aelddonal important information. U)
See your Cardnemhw Agreement. Your CartimemberAgreement contains all the terms of your, Account- U)
M
o
Lost or stolen cards. Report immedaefy! Cat I.11 47.26113. D
Biting R'igMs Summary. In Case of Errors or Questions About Your BlL t you ft* your bill is wrong, or l you need we information about a transaction on your bi, write us on a o
separate sheet of paper at Discover. PO Box 30421, Sah Lake City, UT 641340421. as soon as possible. We most hear from you no later than 60 days site we sent you the Irst bill on °o
which the error or problem appeared. You can telephone us. bid long so will not preserve your rights. In your leba. give us the blowing inkirmation:
Your name andAccamt number. to
The dollar amount of le suspected error m
Describe do error and explain, it you can, why you believe there is an ermr If you need more nkin atiah, describe the item you are urtsuure about
You do not have to pay any amount in question canto we are investigating, but you are still obligated to pay the pats of your bill tat are not in qunesbon. Y?Ahle we investigate your
question. we cannot report you as delinquent or take any action to collect to amount you question.
' !.h.w in+.x:uad'tCaviPurdh: t' you have a with the u M roods orsuvvices n Yom ..Oases writ a aerkt.i7hrd. and • ? he ?, r _s n good faltlhio-arrat ,
Um p wh r wh» aw r:lahu hcni, yw tray not have to pay die rernanng amount due on the good or erviu!s. You have ose prueciwn unity when the i,urchase pie *,s nore Stan o iC
and to purchase was made in your hone state or wthin 100 miles of your mating address. tit we own or operate the merchant or S we mailed you the advertisement fa the goods or
services, al purchases are covered regardless of ie amount or location of purchase.)
Payewta. Send only your payment and to lop portion of Mhis statement in the envelope provided. Do not send ash. By sending your check as described abort you authorize us to
use information an your died to make an electronic lu d transfer from your account at the financial institution indicated on your check or b process the payment as a dhadk uansaclon.
If payment is processed as an ele drork fund transfer, the transfer will be for Ole amount of to chec1L When we use nfamaton from year deck to make an elecivoi fwd transfer.
finds may be withdrawn from you account as soon as the sane day we receive your payment, and you will not receive your died( back from your financial institution.
The protesting of your peymard may be delayed it you send cash, correspondence or other items with your payment, if you send the payment to any other adbe- s or l you use an
envelope other Can the one provided. Payments received in proper form at our processing fadiy by 5Ptd local time on any day will be Q2dted to yew Account as of tat day Payments
received at our processing facility ater 5PM local time will be credited to your Account as of the next day 9 you have misplaced your envelope. sad your payment b Discover. PO Box
6103. Card Steam, tL 60197-6103. Please allow 7-10 days for delivery. If your payment is returned unpaid. we reserve the riotd resubmit it as aneectronic debt
You can pay your minimum payment or a greater amount of the telephone, and you an set up anornatic payments. Cal us at 1-600-347-2663. You will need this statement and your
bade amomt information. You must ensure that sufficient finds are available in your bank accent, and alit transactions must comply with U.S. law. You will be asked to provide to krst
5 di¢ts of your account stalemerd ZIP code. By entering those numbers as your electronic signature, you will be agreeing b this aut ha bon to allow hs and your bank: b dedurd each
payment you authorize ban you bank account and to mate debit or credit entries to your bank account, as applicable to cared an error in the processing of such payment You must
tel us the amount of each payment or you can select an amount such as the kkrhimm Payment Due or the New Balance on each statement. You can caod a payment, however we
must receive notice at least tree business days in advance of the scheduled payment. You may nobly us by phone at 1-M347-2Fi63 or by mail at the address filed a the previous
paragraph. If your payments may very in amount, we if Id you on each monthly statement when your payment cad! be made and how much d will be Your Aulumatic paymerd amount
may be less than indalad an the monthly statement based on credits or payments applied during the billing cycle.
Credit Reporting. We may report information abet your account to credit bureaus. Late payments, missed payments, or other defy Ls an your amount may be rellected in your as&
report. We normally report the stales and payment history of your Account to credit reporting agencies each month. 6 you believe that our report is hack raft or incomplete, please we
us at the bkming address: Discover. PO Box 15316. W6nngi on. DE 19650.5316. Please ndde your name, address, thane telephone number and Account number.
Periodic Finance Charges. Except as provided below. we will impose Periodic France Charges an purchases. cash advances, and balm transfers beginning with the date the
transaction occurs until the dae of repayment and on Old Balances unlit the data of repayment. Old Balances are mrinlrtsed of either purchases and cash advances made on or prior to
the fast day of your biting period ending fining February 1993 or Reserve Line balances.
You an avoid payment of Periodic Finance Charges on new purchases S you pay the New Balance slow on the billing statement on which the purchase first appears by the Payment
Due Date, and the Payments and Credits an the staernerd equal or exceed your Previous Balance. We al this the "grace period' You do riot have a grace period on balance transfers
or ash advances. Periodic Fiance Charges are imposed on new balm transfers and cash advances begkrng with the date the transaction ours.
Periodic Fick" Charges are imposed on all transactions ad Old Balances until the date of repayment. Repayment means payment of your entire New Balance. However, it you pay
the New Balance shown an this biting stalernem by the Payment Due Date. arb the Payments and Credits shown on this statement equal or exceed to Previous Balance, we wt not
impose Periods Finance Charges on new purchases, that is, purchases first appearing on this statement. it yotwAccount was dosed as of September 27.1968 you can avoid payment
of Periodic Fiance Charges if you pay the New Balance show on tits Statement by the Payment Due Date and the Payments and Credits on this statement equal at exceed your
Previous Balance- Otherwise. you will receive a billing sta!ernent red month that includes Pedodc Finance Charges imposed unit t e date of repayment.
We compute Periodic Finance Charges each day is purchases. ash advances, balance transfers ad Old Balances (which we refer to as trasaclbn categories) by using the flowing
equation' Average Daly Bairn x number of says in the Ming period x Daily Periodic Rate !RMer to the finance charge summary on the knot of your statement for Chese amou is !
Then we add all the PL?rndc Fiance Charges for each transaction category to get the total Peixxh.,c Frta ce Charges (or your Account. The Average Dady Mlance ii Oovn as 0 0 no
Periodic Finance Charges apply to to balance in a transaction category.
We use teAverage Daly Balance (ricl dig new transactions) method of calculating the balance upon which we impose Periodic I ance Charges. We compute the average daily
balance For each transaction category by adding tip al to daily balances in a bMmg period bra transactor category and dividing the total by the ember of days In the big cycle. We
compute the daily balance for each transact on category on each day by krst adding the flowing to ft previous day's daily balance : transactions made tut day, tees charged that ft
and Periodic Fiance Charges accred on to previous day s daily balance: and by then subtractM any credits and payments that are applied against the balance of the transaction
calog
Old ?Wd from the balance of the purchase and ash advance transaction atego ies. Special rate balance transfers and Balance Transfer Trahsadim Fee France
Charges are Included in the daily balm transfer transaction category . Balance rasfas tut were subject to an vital speciat rate cal has been terminated due to a late payment are
also included in the category udi the it" special rate otherwise would have expired. In talada ng the daily balance of the balance transfer transaction alegay an the AM day of the
burg period, we subtract the unpaid balance of those Balance Transfer Transaction Fee Fiance Charges and balance transfers that become purchase rate balance traders on that
day and we add that unpaid balance to the balance of the purchase transaction category
AM fees charged to yourAcmunl are added to the purchase transaction category with the exception of Cash Advance Transaction fee From Charges which are added to the ash
advance kasacim category and Balance Transfer Transaction Fee Finance Charges which are added to the balance transfer transaction category. t a transaction made in a previous
billing period is itemized on this statement vie consider the transaction date to be the first day of the anent billing period when we calculate yam Periodic Finance Charges-
For TDD RNecorrwrwnkaUors Devine for the Deaf) assisbnce, call 1.600.347.7449.
Discover may monitor andla record telephone calls between you and Discover representatives for quality assurance purposes.
The Discover' cad is issued by Discover Bank, Member FDIC.
OITBKO64
New Balance Minimum Payment Due
DISC VEI $0.00 $0.00
12 SDSN6A010005200
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Account Number ending in 1740
Enter Amount Enclosed Below
Information n more secure WNh pasetNard-
protected statemer>ts only you can access.
eam more at discovercmYpaperless.
rrrsr??rs?r??rrr??
PO BOX 71084 11111 Bill
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space III III X11111111)1Ill1to I IIlll)))Irrr)rrirr)n??n)u?u)r)loll
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458146742081000000000160270000000
Discover Platinum Card Account Summary
Closing Date: January 12, 2006 page 1 of 1
Account number ending in 1740 Previous Balance $160.27
Paymerd Due Date February 11, 2006 Payments And Credits 162,22
Minimum Payment Due $0.D0 Purchases + 0.00
Credit Limit $11,500,00 Cash Advances + 0.00
Credit Available $11,500.00 Balance Transfers + 0.00
Cash Credit Limit $5,800.00 Finance Charges + 1.95
Cash Credit Available $5,800.00 New Balance $0,00
Cashback Bonuse
Cashbock BonuA Anniversary
Month: June
Payment Due Date
February 11, 2006
Opening Coshback Bonus Balance
New Cashbock Bonus This Period
Cashbadc Bonus Balance
$ 5.14
+ 0.00
$ 5.14
How Can We Help You?
P 1 Visit Discover corn to pay your bA for no ce4, view yaw
latest Account information, earn and redeem nvvords and more
It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast
easy selfservice
Please have your Discover Card available. ,
options or to speak with a Customer Service Account Manager
3. Write us at Discover Card, PO Box 30943,
For TDD )assistance for hearing impaired) see reverse side Salt Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Date
Payments and Cledits Jan 8 Jan 8 PAYMENT THANK YOU $ 160.27
Jan 12 Jan 12 SMALL BALANCE CREDIT 1.95
rffic"IffluP Charge Summary
Average
Daily Nominal
ANNUAL
ANNUAL Periodic Transaction
Fee
Daily Periodic PERCENTAGE PERCENTAGE FRIANCE FMANCE
Balances Rates RATES RATES CHARGES CHARGES
current billing period: 31 days
Purchases $133.30 0.04723% 17.24% V 17.24% $1.95 $0
Cash Advances $0 0.05477% 19.99% F 19.99% $0 $0
The rates that apply to your Account are either fixed (Fl or they may vary (V) as noted above.
Imported information. if there is more than one page to to billing statement, see die back leach page for additional important information. U)
See your Cardmember Agreement. Your CardmemberAgreement cantairs all the berms of your Accournt rn
z
Lost or stolen cards. Report imtediatelyt. Call 1400.717-2603. o
Bitting Rights Summary. In Case of Errors or Ouestons About Your BA: If you fti your bill is wrong, or 9 you need more nfprtw6on about a traisackn on your bit, write us on a o
separate sheet of paper at Discover. PO Box 30421, Salt Lake Cily. UT 84130-0421. as soon as potuable. We must hear from you no later than 60 days allewe sat you the fist bill an °o
which the error or problem appeared. You can telephone us, but doing so will not preserve you rights. M your letter. give us the blowing irdormalim: N
Your name and Accent number. $
The dollar a count of the slspeded anon.
Describe the error and explain, If you can, why you believe there is an error. 8 you creed more inonrnatlom, describe the item you are unsure about. A
You do not have to pay any amours in question while we are nwsligatug, but you are sd obligated to pay the parts of your bill that are not in question. Whore we investigate Yom
question, we canna report you as delinquent or take any action to mllm the amount you question.
Special. Rule for ,jxM Card Putchanes: It you hair, ,?t; m wfitn the qu l?y of xn+ads a rervws it3f YQyx R,rcf, ., . ^rh a rredd ::,h-i ant ,.. ,? Yied n grand f?!hso rmeA _ -- _
-
?"'e 7-44E .Vi wrrya Mw `rid?*.ar ?, yo-, , -'r'-rot nave t : P3; tSte nftM oly arrixaO. L** rent "Wyaxi rr see "ices. Y4. fro,.r ire M-0-W,
rxrkc"^. ,tK• ,arct+ase!xron sN;ee-!rrkrr;cx>'+.---.-
-----._ - ----_ .._?._ __ _
..=....__._
and the pudove was made in your home state or mthBrm 100 miles of you no" address. (t we own or operate the merchant, or a we mailed you the edver ksame t for the goods or
services, all purchases are covered regardless of the amours or location of purchase.)
Payments. Sad only your paymera and the top portion of In statement in the envelope provided. Do not send cash. By sending your dodo as desabad above, you BUta m us so
use kdonnatm on your check to make an elecamc fund transfer ham you account at the financial ihstihntion idwded on you check or In process is permit as a died transaefm.
If payment's processed as an ekcho* hnd transfer, the transfer will be forthe annura d the cheek. Wien we use information from youurcheck to mate an I - ie find trsmder,
finds may be witdravn from you account as soon as the same day we receive you payment, and you will not receive your ced badc from you fnenaal i sfafon.
The processing of your payment may be delayed If you send cash, correspondence archer items with your payment, it you send to payment to any ether addressor i you use an
envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local line cn any day will be credited in your Acmue as of to day. Payments
received at sir processing bcktyr ate 5PM local time wi be created b yowAcmW as dtte nett day. t you have misplaced you envelope, send your papne i to Diwover. PO Box
6183, Card) Stieem. IL 60197.6103. Pease allow 7-10 days for delivery. 0 you payment is falimied unpaid, we reserve the right to resubma it as an electronic debt
You an pay you mi imu t payment or a greater scud of the Telephone. and you can sat W attanatic payments. Call us at 1400.347-2683. You will need file afafenhea and your
bank accord intonnakon. You must ensure that sufficient fads are available in year bank account and al transactions must comply with U.S. law. You will be asked in provide the first
5 digits of your account statement ZP code. By entering terse numbers as your elWcbo* signature, you will be agreeing to Un authorization to allow us and you bank to deduct each
payment you authorize from you be* account, and to initiate debit or credit entries to your bank avant. as appiable to coned an error in the processing of such payment. You must
toll is the avant of each payment, or you an select an amount such as the Minimum Payment Due or Sue New Balance on each stalemeht You can cancel a parrot. however we
must receive notice at least three business days in advance of it* scheduled payment You may notify us by phone at 1800-347-2663 or by mail at the address kkd in to previous
paragraph. t you payments may vary in amount, we A het you on each monthly statement when your payment will be made and how much fl will be You Automatic payment avant
may be less than indmied on the mrntdy statement Based on credits or payments applied during the billing cycle.
CrmM Reporting. We may report nbrmadon about your accent lo credit bureaus Late paynennts, missed payments, or other defaults on your account may be reflected in your credit
report. We r4mmly report to Asks and paym M history d yaf Accent lo credo mpu*V agencies each month R you believe to our report is knmraie or incomplete, please write
vs at to following address: Discover, PO Box 15316. Winigbn. DE 19650.531& Please include your name, address, tame telephone number and Account number:
Perledk Finance Charges. Except as provided below, we will impose Periodic Fiume Charges m purchases, ash advances, and balance transfers beginirg win the date to
trasackat occurs nail the data of repayment and on Ofd Balances until One date of repayment. Old Balances are comprised of either purchases and ash advances made on or prior to
to last day of your billing period ending during February 1983 or Reserve Line balances
You can avoid payment of Periodic Finance Changes on new purchases it you pay to New Balance shown on tre brig statement on which the purchase fist appears by to Payment
Due Date, and the Payments and Credits on rte Aalerrot equal or exceed you Previous Balance. We all On the *W" period You do not have a grace period on bafarxe transfers
or ash advances. Periodic Finance Charges are imposed on new bale" transfers and cash advances beginning with the date the transaction occum
Periodic Finance Charges are imposed on all barsadws and Old Balances until the dam of repayment. Repayment means paymrnent of your entire New Balance, However, d you pay
the New Balance shown on this billing statement by to Payment Due Date. and to Payments and Credits shown on this statement equal or exceed to Previous Balance. we will not
Impose Periodic Finance Charges on now purchases, Mat is, purchases first appearing on this statenert t your Account was dosed as of September 27,1999, you can avoid ptyrrot
of Periodic Finance Charges t you pry the New Balance shown on this Statement by to Payment Due Date and the Payments and Credos on tuts stake era equal or exceed your
Previous Balance. Otherwise, you will receive a billing statement next month that includes Periodic Finance Charges imposed until the date of repayment
We compule Periodic Fnace Charges each day for Purchases, cash advances. balance transfers and Old Balances (Which we refer to as transaction categories) by using the blowing
equation. Average Daily Balance x number of days in the Wiling period x Daily Periodic Rate. (Refer to the finance charge sunmary on the front of you sfasamerd or these amount.)
Then we add all the Periodic Finance Charges for each transaction category to get the oel Periodic Finance Charges far your Acoomt. The Average Daly Balance rs storm as 0 it no
Periodic Finance Charges apply in the balance in a transaction category.
We use the Average Daly Balance (including new transaclions) method of alaAatng to balance upon Mich we impose Periodic Finance Charges We eor" the average daily
balance foreaih transaction category by adding up all the dally balances in a billing period for a transaction category and dividing the loo by the rarnber of days it the billing cycle. M
compute the daily balance fix each transaction category on each day by first adding the blowing to the previous days daily balance: kansacbms made that day, fees cdhagad trial day,
and Periodic Finance Charges accrued on the previous day's daily balance: and by then subtracting any credits and payments "ore applied aga via tie balm d the tarsactm
ateg lhaatdda?yl.C?
Old Bal5fiBV68aEYtee lean the balance of the puduse and ash advance transaction categories. Special rate balance transfers and Balance Traskr Tmuiacton Fee Finance
Charges am included in ft daily balance transfer transaction category. Balance transfers that were subject to an itdah spedal rate that has been terminated due In a late payment are
also included in the caegory unMl i% initial special rate otherwise would have expired. In calculating the daily balance of the balance transfer transaction category an the first day of the
bAig period, we attract the unpaid balance of those Balance Transfer Transaction Fee Fnace Charges and balance transfers that became purchase rate batahce transfers on that
day and we add fret unpaid balance to the balance of the purchase transaction calegory.
AN fees charged to your Account are added to the purchase transaction category with the ercceplon of Cash Advance TransacOah Fee Finance Charges which are added to Be cash
advance transaction category and Balance Trash Transectron Fee France Chagas which are added lo the balance transfer transaction category t a trasecion wade in a previous
M% period is itemized on this statement we consider to transaction date to be the fast day of the current bilig period when we calculate your Periodic Finance Charges.
For TDD (Teln onumanicatonu Device for the Deaf) assistance. call 1.800-747-7449.
Discover may monlo adror record telephone calls between you and Discover represenlabves for quality assurance purposes.
The DiscovW cad is issued by Discover Bank, Member FDIC.
OITBKD64
New Balance
DISCOVER $6A93.11
12 SDSN6A010005201
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Minimum Payment Due Account Number ending in 1740
$130.00 Enter Amount Enclosed Below
Payment Due Date $ 1
November 11, 2006 Please make check payable to Discover Platinum
Card or pay online'@ Discovercord.com.
Go papeless and make you account
information more secure with password-
protected statements only you can access.
Learn more at discover conVpaperless.
PO BOX 71084 III..rll""r. ll"I'llrsrtl
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space lnlrllnlurlrllurlnlrlr,rllllurlu(uluU rdrnbrldnll
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458146742081064931 100000000013000
Discover Platinum Card Account Summary
Closing Date: October 12, 2006 page 1 of 2
Account number ending in 1740 Previous Balance $0.00
Payment Due Date November 11, 2006 Payments And Credits 0.00
Minimum Payment Due $130.00 Purchases + 0.00
Credit Limit $11,500.00 Cash Advances + 0.00
Credit Available $5,006.00 Balance Transfers + 6,371.26
Cash Credit Limit $5,800.00 +
Finance Charges 121.85
Cash Credit Available $5,006.00 _
New Balance _ $6,493.11
-.- .. _. _:..__._.,___ _ _..-...,-..-_-._ _?._ tF',U-Sak-t1RSZtil::..1G . ?'?`JS:i findR•... ?.:i{Atyjif."?:._.e9.C .'S1a._,..
reverse side for details.
Cashback Bonuse Opening Cashback Bonus Balance $ 5.14
New Cashback Bonus This Period + 0.00
Cashback Bonus® Anniversary
Month: June
Cashback Bonus Balance
5.14
Cashback Bonus(R) is America's #1 Cash
Rewards Program! Full 5% Cashback Bonus
on Get More purchases in popular categories
throughout the year and up to 1 % C shbock
Bonus on all your other purchases.
How Can We Help You? 1 Visit Discover corn to pay your bit for no test view your
latest Account information, earn and redeem rewards and more
It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy seWservice
options or to speak with a Customer Service Account Manager
Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943,
For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Dale Date
Balance Transfers Sep 26 Sep 26 BALANCE TRANSFER CHECK ACH 0418 $ 4,501.01
Sep 26 Sep 26 BAL TRANS TRANSACTION FEE FINANCE CHARGE 60.00
APR 1.90% EXPIRES 02/2007
MBNA/IBS
Sep 26 Sep 26 BALANCE TRANSFER CHECK 0419 1,870.25
Sep 26 Sep 26 BAL TRANS TRANSACTION FEE FINANCE CHARGE 56.11
APR 1.90% EXPIRES 02/2007
le&ealtion for You
The address provided in your Cordmember Agreement to request a beneficiary designation form for your Scheduled Air
Travel Accident Insurance has changed. The new address is AIG Accident & Health Division, 300 South Riverside Plaza,
Suite 2100, Chicago, Illinois 60606-6613.
Discovercard.com provides you with the easiest online 301f service options that put you in control of your account. Make a
payment today or schedule one in advance. Sign up for timely e-mail reminders to help you avoid fees. Easy account
management is just a click away! Register or keg in to Discovercard.com/registermyaccount
Manage your account your way - whether you prefer to speak with a live person or manage things on your own, Discover(R)
Card has the right account management options for you. Call 1-800-DISCOVER (1-800.347-2683) or visit Discovercard.com
Important Information. If there is more Wan one page to this billing statement, see the beds of each page for additional inportant information
See your CardmenrberAgreement Your Cardmember agreement contains all the tams of your Amount.
Lost or stolen cards. Report irimedately! Call IMO-347-2683.
Billing Rights Summary. In Case of Errors or QuesbonsAbad You Bill: It you Mink your bill is wrap, or d you need more information about a transaction on your bill, write us on a
separate sheet of paper al Discover, PO Box 30421, Sat Lake City, LIT 84130-0421, as won as possible. We must hear from you no later than 60 days after we we you the lest bill
on wtxeh the error or problem appeared. You can telephone us, but doing w will not preserve you rights- In you letter. give us the following information
You name and Account number
The dollar amount of be suspected error
Describe to error and explain, if you can. why you believe Ware's an error If you need more idarnalan. describe the tern you are unsure about.
You do not have to pay any award in question while we are investigating, boot you are Al oWgated to pay the parts of you bill dud are not in question. While we investigate your
?,,Oon ere ranot re; . yr• i w delinmient or take any actim to colt the 2^ mint ,! W, son.
_.
R&e fa Cven1A i:ai7t Purchases: if you lies+'u a pro6kxn Wrh ate jeGey 0 gocw or ,civ,ws7, nor! yuej W Sher: ?.., .uA. d .::adnt eaYl a, al ycv ie :i uia3r nv gad !aiti, i erred
the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than
$50 and to purchase was made in your home stale or within 100 miles of your mammy address. (If we own or operate to merciraK or it we misled you the advertisement br the
good or services, all the purchase are covered regaidess of 0* amount or location of it* puirchase.)
Payments. Send only your payment and the top portion of the statement in the envelop provided. Do not send cash. By sending your check as described above, you authorize us
to use information on your check to make and electronic lud transfer from your account at the fnarmcial institution indicated on your check or to process the payment as a check
transaction. If the payment fe processed as an elections; hand transfer, the transfer will be br the amount tithe check. Wv1sm we use information from your check to make an
election m fund transfer, Mots may be withdrawn from your account as soon as the same day we receive you payment and you will not rem" your check back from your & WOW
institution.
The processiq of you payment maybe data* it you send cash, correspondence or other items with your paynerit, if you seta the payment to any other address or it you use an
envelope other than the one provided. Payments received in proper forth at our procesurp tacky by 5PM local time on any day will be credited to your Account as of that day.
Paynhenls received at our processing tacky after 5PM local rime will be credited to yrrAmard as of the next day. If you have misplaced your envelope. send you payment to
Discover, PO Sox 6103, Cad Stream, IL 60197-0103. Please allow 7-10 days for delivery If you payment is rekrned unpaid, we reserve the right to resubmit 0 as an
electronic debit
You can pay your maximum payment or a greateramouM over the telephone, and you can set up aidomaYC payments. Cent us at 1800.3472683. You will need do statement until
you bank account idanmann. You must ensue that smdfrJent kinds are available in your Eenk account and all transactions rust oanpy with U.S. law. You will be asked to provide
to first 5 digits of you account statement ZIP code. By entering blase numbers as your electronic signalu e, you will be agreeing to this authorization to allow us and you bank to
deduct each payment you authorize from you bank award, and to irmieate, debit or ctedh entries to your bank amount, as applicable, to coned wor in the processing of such
payment You must led is the anox" of each payment. or you can select an amount such as Mnin m Payment Due or the New Balance on each smkmen You can cancel a
payment , however we nun receive notice of least tree business days in advance of the sdeAvled payment. You may notify us by phone at 1-600-347-2683 or by man at to
address listed in to previous paragraph. If your payments may vary in amount we will tell you on each mommy statement when yam payment will be made and bow much it will be.
Your Aubrrmkc payment amount may be less [ben the indicated on the monthly statement based on credls or payments applied during the biting cycle.
Credit Reporting. We may report i tormatlon about yam accent to credit bureaus. Late payments, missed payments, or other defaults on you account may be receded in your
credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe OW our report is inaccurate or incomplete.
please write us at the Ulowing address: Discover, PO Box 15316, Wilnxngton, DE 198504316. Please include you name, address, hone telephone nm>ber and Amount amber.
PERIODIC FINANCE CIYIGES. Periodic Faience Charges are imposed on all transactions from the data the transaction is posted to your Account until to date you pay you entire
New Balance, by makrg payments or receiving credits. However, we will provide the following'grace period c you paid the New Balance on your pervious bdag statement by
the Payment Due Dale shown on that statement, and you pay the New Balance by the Payment Due Data on Ws statement we wall not impose Periodic Finance Chages on new
purchases, that is. purchases first appearing on this statement Otherwise, you will receive a billing statement next north that inckdes Penc dic France Charges an those new
purchases. There's no grace period on balance transfers or cash advances.
We sort you ransadions ink; groups of purchases, cash advances, and balance transfers and then further will the transactions within, each grail by their Annual Percentage Rate.
For example purchases w4ed to a promotional rate and puaceses subject to standard rate wand be separate gaps. We refer to these groups as transaction categories. At the
end of each billing period, we compute Periodic Finance Charges br each day of the b &g period for each tremachm ctegory. We use the fdlorring equation to compute Periodic
for each transaction category Average Deily Balance x umber of days in the billag period x Daily Peradc Rase. (See the finance charge summary on your statement ks these
amounts) Then we add up the Periodc Finance Charges ke each transactiam category to gel the rota! Periodic Fremoe Charges for you Account The average Daly Balance is
shown as zero if because of the grew period, no Periodic Finance Charges apply to the balance in a transaction category.
We use The Average Daly Balance (mckding new transactions) meted of calculating the balance upon which we impose Periodic Finance Charges We oonpule the Average Daily
Balance for each transaction category try adding up all the daily balances in a bong period for a transaction category and dividing the total by the number of days in the billing cycle
We compule the daily balance for each transaction category on each day by first adding We bl!owig to the previous days daily balance. transactions made that day, fees charged
that day and Periodic Finance Charges accrued on dot day c a transaction is posted to your Account after to dose of the billing period in which t owns. we will kW the transaction
as having occurred on the first day of the biting period in which h is posted to your Account.
At f mdud are added to the standard purchase transact on category with the exception of Cash Advance Transaction Fee Finance Charges which are added b
tie ?ioe rasactiah category and Balance Trasfer Transaction Fee Finance Charges which are added to the applicable balance tarsier transaction categoryr.
When to special rate expires, we move the unpaid balance of fie balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase tramacrah
category. However, t to special rate has been tenrxnated under the Default Rate Plan, we lore to unpaid balance of the balance transfer and the Balance Tainslier Transaction
Fee Finance Charges in the applicable transaction category until the special rate wand have expired.
For TDD (Telawmm rkations Device for the Deaf) assistance, cal 1-800.347-7449.
Discover may morda adlar record telephone cats between you and Discover representatives for quality assurance purposes
The D'scovee card is issued by Discover Bade, Member FD1C-
OITBK107
DISC VER
It pays to DOUGIAS ROSS
DISCOVER Account number ending in 1740
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Paperless Statements and you can help save over 70 million pages per year.
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02010 Dixmw Bank, Member FDIC
[i] V4
s
PPRGRN.OM
Closing Date: October 12, 2006 page 2 of 2
Hey, Juniors! We are searching for outstanding high school juniors to apply for the Discover(R) Card Tribute Award(R)
Scholarship Program. Scholarships will be awarded to high school juniors who have excelled beyond academics. To find
n•a --rn visit our website et. www.Discover-ard corn/W6ute
Finance Charge Summary
Nominal Transaction
8966465 Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Balances Rates RATES RATES OVUM CHARM
current billing period: 30 days
Purchases $0 0.04997% 18.24% V 18.24% $0 s0
Cash Advances $0 0.05477% 19.99% F 19.99% $0 s0
Balance Transfers $3677.70 0.00521% 1.90% F 22.94% $574 $116.11
previous billing period: 31 days
Purchases $0 0.049979'. 18.24% V 18.24% $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
$6,373.52
DISCOVER $128.00
Payment Due Date
December 11, 2006
12 SDSN6A01 0005202
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Account Number ending in 1740
Enter Amount Enclosed Below
$ 11
Please make check payable to Discover Platinum
Card or pay online* Discovercard.com.
Go paperless and make your account
information more secure with password-
protected statements only you can access.
Learn more at discover camlpaperkss_
PO BOX 71084 Illurllrnrrrllulrllrull
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space lulil?u?nrlrllnr?n?u?nullllm?nlu?u?l+e)u)ulrlnl?
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458146742081063735200130000012800
Discover Platinum Card Account Summary
Closing Date: November 12, 2006 page 1 of 1
Account number ending in 1740 Previous Balance $6,A93.11
Payment Due Date December 11, 2006 Payments And Credits 130.00
Minimum Payment Due $128.00 Purchases + 0.00
Credit Limit $11,500.00 Cash Advances + 0.00
Credit Available $5,126.00 Balance Transfers + 0.00
Cash Credit Limit $5,800.00 France Charges + 10.41
Cash Credit Available $5,126.00 New Balance $6,373.52
i a :• ,;.
c u r.tay lea :: :.
rwindir Finance, t1=1 s, v 7Le
go
reverse side for details.
Cashback Bam a Opening Cashbock Bonus Balance $ 5.14
New Cashbock Bonus This Period + 0.00
Cashback Bonus Balance S 5.14
Cashback Bonus® Anniversary
Month: June
Cashback Bonus(R) is America's 111 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 Hel
P You? 1 Visit Discover com to pay your big for no cow, view r
l
t
t A
f
d
d
di L
a
es
ccount in
ormation, earn an
re
eem rewar
more
It's your choice - 3 ways to help 2. Cal 1-800-DISCOVER (347-2683) for fast, easy self-service
Please have your Discover Card available. options or to speak with a Customer Service Account Manager
For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943,
Salt Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trms. Post
Payments and Credits Nov 3 Nov 3 PAYMENT THANK YOU $ 130.00
Finance Charge Summary
Nominal Transaction
8966465 Average Daily
Daily Periodic ANNUAL ANNUAL Periodic Fee
PERCENTAGE PERCENTAGE F*4ANCE F24ANCE
Balances Rates RATES RATES CHARGES CHARGES
current billing period: 31 days
Purchases $0 0.04997% 18.24% V 18.24% $0 $0
Cash Advances $0 0.05477% 19.99% F 19.99% $0 $0
Balance Transfers $6456.22 0.00521% 1.90% F 1.90% $10.41 $0
previous billing period: 30 days
Purchases $0 0.04997% 18.24% V 18.24% $0 none
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above
Important Information. If There is more than one page b this biting statement, see the beck of each page or additional important arfonnabon.
See your Cardmember Agreement. You Cardmember agreement contacts all the terms of your Accent.
Lost or stolen cards. Report inmmedratelyi Cal 1-OW347-2663.
Biting Rights Summary. in Case of Errors or Questions About Your Bill: t you thick your bill is wrong, or t you need more idametion about a transaction an you bill, write us on a
separate sheet of paper at Discover, PO Box 30421, Sate Lake Ciy UT 84130-0421, as soon as passible. We must hear from you no later Men 60 days attar 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 ol"ing atormaio n:
Your name and Account nunber
The dollar amain of the suspected error
Describe the error and explain. W you can, why you behove there is an error If you need more information, describe the item you are issue about
You do not have to pay any amount in question while we are investigating. but you we still obligated to pay the pads of your bill tea are not in question. While we investigate yaw
^.nsl??n,v. zr^h•:tpr.. / _'.a;ur,u^rlnrrskeanyaciinM i t.3.^?^+rrhl?ro!rgrv?ti;n. _
.,Pena: atri Card P uvc;uses: ii yr nave a prolAenu au. u s th::iii u. gwxis a seh v?oes hilal } uu Y,,.,.ka.wd w;uh a :aekhi'and oral yw noon. n gwr: town k ?,n,rk,u
he problem with the merchant, you may not have to pay tare remaining amount due on the goods or services. You hen his protection only, when the pudisse pace was more then
SW and the purchase was made in your home state or within 100 miles of you nrafrhg address. (t we own or operate the merchant, or d we mated you the adve iseroeril for the
good or services, at tare purchase are covered regardless of the amount or krua(jah of the purchase.)
Payments. Send only, your payment and the top portion of the statement in the ernalop provided. Do not send cash. By sending you credk as described above, you ai tionze us
to use information on you check to make and electronic kind transfer from your account at On finanael isAMon indicated on you dock or to process the payment as a credk
rensactim. If th Perot s processed as an elecrorw dud transfer, dw transfer will be for the amount of the check. Wlhen we use information from your check b make an
electronic tend transfer. funds may be withdrawn from you account as soon as One same day we receive your payment, and you will not receive your check bad from you financial
Thelxocessing of you Payment maybe. delayed. if Y- sand cask co espardence or other hems with. your payment. d you send the phayrrart b amyotkar tddess or 0 you use an
envelope other ton the are provided. Payments received in proper form at our yxocessag facility by 5PM local time on any day will be crackled to your AaMW as of dW day.
Payments received at our processing facility atw 5PM loco time wit be credited to your Account as of the next day. If you have misplaced Your envelope. add your permit 10
Discover, PO Box 6103, Cad Stream. IL 601974103. Please allow 7-10 days for delivery. If your paynrem it is returned unpaid, we reserve the right to reskbad it as an
electronic debit..
You can pay your minimum payment or a greats artaunt over the telephone, and you can set up automatic payments. Cat us at 1400-3412663. You will need his statement and
your bank amart information. You crust ersure that sufficient forts are available n you bank arrant, and at barmebo s mot mrrnpy with U.S. law. You will be asked to provide
the first 5 digit of you amount sWement ZIP code. By eink ig tliose numbers as you electronic signature. you will be agreeing b this authorization to allow us and yam bank to
deduct each payment you outome, from you bardk account, and to i iinte debt or credit entries to your bank amount, as appkcable, to arced error in Ore processing of such
payment You mast fall us the amount of each payment, or you can select an amount such as Minimum Payment Due or the New Balance an each statement. You an cancel a
payment, however we must receive notice a least three business days in advance of the scheduled payment. You may notify us by plane at 14WM7-2683 or by mad at the
address listed in the previous paragraph. t you payments may vary in amount we will tell you on each monthly statement when your payment will be made and how much t will be.
You Aubrroic payment amount may be less Men tie indicated an the monthly statement based on cre6t or payment applied during the billing cycle.
Credit Reporting We may report information about your account to credit bureaus. Late payment, missed payments, or other debult on your account may be wllekted in your
credit report. We normally report he stahus and paymert history of your Amount to rndit reporting agencies each month It you believe that our report s ascarate or noanpiete,
please wnte us at the following address: Discover, PO Box 15316. Mmington, DE 198505316. Please include your name, address, home telephone number and Amount number
PERIODIC FINANCE CHAGES. Periodic Finance Charges are imposed on all trarsar.ions from the date the transaction is posted to your Account until the date you pay you entire
New Balance, by making payments or reteinmg credits. However. we will provide the following 'grace period' It you paid the New Balance on your previous talking statement by
the Payment Due Date shown on that staterneM. arid you pay the New Balance by the Payment Due Date on this statement we will fat mpose Periodic Finance Charges; on new
purchases. Mm is, purchases first appearing on the statement. Otherwise, you will receive a billing statement next month trot includes Periodic Finance Charges an those new
purchases. There is no grace period on balance transfers or cash advances.
We sort you transactions into groups of Purchases, cash advances. and balance transfers and Men further son the transactions wiMn each group by their Amaral Percentage Rate_
For example purchases subject to a pranobonal rate and purchases skb)ect to standard rate would be separate groups. We refer to these groups as transaction categories. At the
end of each billing period, we compute Periods Finance Charges for each flay of to billing pond for each transaction category. We use the fallowing egmalmto ottnprte Periodic
or each transaction category Average Daily Balance x umber of days in the ding period x Daily Periodic Rate. (See the finance charge summery on your statement for tow
amounts t Than we add up the Periodic Finance Charges for each transaction category to 9ef the fofal Penmdnc Finance Chages tun your Account The average Daily Balance is
shown as zero t, because of the grace period, no Periodic Finance Charges apply to toe balance in a oansmcim Category
.
We use the Average Daly Balance (arcfdag new transactions) method of cakihutag the balance cyan whidr we impose Periodic Finance Charges. We compuae 111heAveuge Daily
Balance fa each transaction category by adding up all the daily balances in a Ming period for a transaction category and dividing the Intel by the number of days in the billing cycle
We compute the daily balance for each transaction category on each day by first adding the following to the previous day's daily balance, transactions made Oat day, fees charged
that day and Periodic Fm once Charges accrued on that day. If a transaction is posted to your Amount after the dose of the billing period in which t occurs. we will from the transaction,
as having occurred on the fast day of the bung period in which t s posted to your Account
M fee ff??mmount are added to the standard purchase transaction category with the exception of Cash Advance Trarsacition Fee Finance Charges which are added to
the app a ?ixz transaction category and Balance Transfer Transaction Fee Finance Charges which are added to Me applicable balance transfer transaction category
When the special rate expaes, we move Ore unpaid balance of the balance transfer and One Balance Transfer Transaction Fee Fiance Charges to the staudand Purchase transaction
category. However, 4 he special. fate has been lemalated under the Default Rate Plan, we leave the unpaid balance of the balance transfer and Or Balance Transler Transaction
Fee Finance Charges in the applicable transaction category unlit the special rate would have expired.
For TDO (Telecommunlcatons Device for the Deaf) assistance, cat 14IW347-7449.
Discover may manta andlor record telephone cats between you and Discover tepxesentatives for quality assurance purposes
The Discover' card is cared by Discover Bank, Member FDIC.
OITBK107
DISC, VER $6Now la
,2585..442 e
12 SDSN6A01 0005203
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Minimum Payment Due Account Number ending in 1740
$125.00 Enter Amount Enclosed Below
Payment Due Date
January 11, 2007 Please make check payable to Discover Platinum
Card or pay online Q Drnscovercard.com.
Address, e-mail or telephone change? Print change in space
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
Go paperkms and make your account
informations more secure with password-
protected statenw is only you can access.
Learn more at discover con9paperless.
PO BOX 71084 11111511111111211111181
CHARLOTTE NC 28272-1084
?u?r??u?un?r??nr?nlr?nr?l??ur?u?u?n?ln?n?u?r?n??
000001986458146742081062554200128000012500
Discover Platinum Card Account Summary
Closing Date: December 12, 2006 Page 1 of 1
Account number ending in 1740 Previous Balance $6,373.52
Payment Due Date January 11, 2007 Payments And Credits 128.00
Minimum Payment Due $125.00 Purchases + 0.00
Credit Limit $11,500.00 Cash Advances + 0.00
Credit Available $5,244.00 Balance Transfers + 0.00
Cash Credit Limit $5,800.00 Finance Charges + 9.90
Cash Credit Available $5,244.00 New Balance $6,255.42
y'u:r --..r' ??r :% t 'a aid Pr; ^dic r'Tance f 4 os, .- t:r
reverse side for details.
Cashback Bonuse Opening Cashbock Bonus Balance $ 5.14
New Cashbock Bonus This Period + 0.00
Cashback Bonus Balance $ 5.14
Coshback Boma Anniversary
Month: June
Cashback Bonus(R) is America's 41 Cash
Rewards Program I 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?
p 1 Visit Dircaver corn to pay your lei for na cesfV View your
latest Account information
earn and redeern reMrards «d more
It's your choice - 3 ways to help ,
2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service
Please hove your Discover Card available. options or to speak with a Customer Service Account Manager
For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943,
Salt Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans.
s. Post
Date
Data
Payrnerds and Credits Dec 4 Dec 4 PAYMENT THANK YOU $ 128,00
tnformation For You - -
Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01616%; corresponding ANNUAL PERCENTAGE
RATE: 5.90%. Rate is subject to the terms of the offer including expiration.
hem Charge Summary
Average Daily Nominal Transaction
ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE F11MANCE FlMANCE
Balances Rates RATES RATES CHARGES CHARGES
current billing period: 30 days
Purchases s0 0.04997% 18.24% V 18.24% $0 $0
Cash Advances s0 0.05477% 19.99% F 19.99% $0 $0
Balance Transfers $6339.91 0.00521% 1.90% F 1.90% $9.90 $0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
important Information. I tee is more than one page b the biting statement, see the beck of each page for additional important information. p
Sea you Cardmernber Agreerrorht. Your lardrtenberagmeement cointains all the terms at your Account (4)
Lost or stakn cads. Report Wiecatelyt Cal 1400-34741683. o
Billing Rights Summary. In Case of Enos or Questions About You Be. N you (rink you tit is wrong. or 9 you need more nfamaticn about a transaction on your be, wife us on a
separate cleat of paper at Discover, PO Box 30421, Sah Lake City, UT 841340421, as soon as possible. We must how from you no later than 60 days after we sent you the fast bin o
°o
on which the error or problem appeared. You can telephone us, but dung so will not preserve you rights. In you lefter. give us the blowing nbnnation: o
You nerve ad Account number
The dollar amount of the suspected error
Descrbe the emir and mpln, if you can. why you believe there is on error. If you need more information: describe to item you are unsure about.
You do nd have to pay any amount in question while we are investigating, but you are still obkgateel to pay the parts of you bill that are not in Wasson. VW NW we nwestrgak your
,y e-fidf we r ^•,2'r^t""err as•,<"tm v, take
, . r . •. ce'Y actia> <a -.afar ; , ? ? w^axN %'t"?gu 1?! PQ l_--. _ _-
Spacial Rate for Credit Card Puchasea: If you have a problem with the quatily, d goods of services that you purchased with a credit card and you have hoed in good butt to correct
the problem wish the merchant, you may not have to pay the remaining amount due on the goods or services_ You have this protection only when to purchase price was more Ben
S50 and the purchase was made in you horse stab or within 100 miles of you mailing address. (K we own or operate the merchant or Awe meted you the eQverbsement for the
good or services, all the purchase are covered regardess of the amount or location of the purchase.)
Parrots Send only you payment and the top portion of to statement in to arnelop provided Do not send rash. By sending you died as desobad above, you aratosee us
to use information on your crack to mace and electronic lend transfer iron you accord at the financial is9fullon indicated on your deck or b pmoess the payment as a died
transaction. 9 the pervert is processed as an elec4aic lead transfer, the transfer will be for the amount of the deck. When we use information from your check b make an
electronic lead transfer, bids may be withdrawn from you account as soon as rte same day we receive your Parrot. and you will not receive your check back kin your financial
istihAOn.
The processing of your payment maybe delayed [ you send cask cxrespaderhce or d!her laths weh yam payment, it you send the payment b any other addressor 9 you use an
envelope other than the one provided. Payments received in proper form at our processing facility by 5PM bral One on any day we be credited b you Account as of that day.
Payments received at our processing faddy after 5PM loco tine will be aedled to yohrAacoknt as d the meal day t you have mspleoed your envelop, send your permit to
Discover, PO Box 6103, Cad Stream, 11 -60`197-6103. Please allow 7-10 days for delivery t you payront is returned unpaid, we reserve the right to resubmit Ass an
elearenic debit.
You can pay yaw mwwmxn permit or a greater grout over he telephone. end you can set up sukimas: permits . Cell us at 1-6043472683. You we need to statement and
you bank account information. You roast ensure hat sufficient kids are available in yon bark amore, red all transactions must comply with U.S. law. You will be asked to provide
the first 5 dgls of you eauunt statement ZIP code. By eMMV hose numbers as you declare; sigmbre. you will be agreeing for this authorization to dow us and you bank to
deduct each permed you a dmize lean your bank amount, and to inflate debit or merit erAnes b you bank account. as applicable, b oared error in to praasa. g d such
payment. You must fat in to amount of each payment, or you can soled an anount such as bfnirrm Payment Due or to New Balance on esch statement You cm cancel a
payment. however we must receive notice at least twee business days in advance of the scheduled payment You may nody us by phone at 1400-3474683 or by mail at to
address flailed in to previous paragraph. t your payments may vary in gro??urt,t?'wewll IN you on esc h nortlty statenaa when you payment will be made aft hoar much it well be.
Your Automatic paynera amourt may be less then the indicated on to nadtly stalemenl based on cracks or parrots applied during the billing cycle.
Credft Reporting. We may report information about you amount to auk bureaus. Late payments. massed payments. or other defalls on you scooters may be reflected in your
creek report. We normally report to stabs and paytrent hisbry of you Account to credit repokng agencies each mordh. If you believe hat our report is i accu ab or mmmplele.
please write us at the tolowing address: Discover, PO Box 15316. ftnigton, DE IMMI5316. Please imc ide your name, address, twine telephone ormber ardAccount number.
PERIODIC FINANCE CHAGES. Perlocc Finance Charges are imposed on all transactions from to date the transaction is posted to your Account trhk the date you pay you entire
New Balance, by makig payments or reeewifl credits. However, we will provide he blowing *g ace period If you pad he New Balance on your pnviohs billing statement by
the Pervert Due Oak shown on that statement, and you pay the New Balance by the Payment Due Data on tits statement we will not impose Periodic Fiance Charges on new
purchases, the is, purchases first appearing on the statement Otherwise. you will receive a b&V statement next math that includes Periodic Finance Charges on those new
purchases. There is nc grace period on bakroe tasters or cash advances.
We sort yam transeaans into groups of purdeses, cash advares, and balance Warders and ten hater act the bansadms wain each group by their /avamal Pacedage Rat.
For exempla purchases airlifted to a praeoUOnal rare and pudeses subject b standard rate would be separate grails. We refer to these, groups as to eadat at[gotie, At he
end of each bung period, we compute Peiodc Finance Charges for each day of the bitg period for each trasactioh category. We use the btawig equaton to computer Pencidic
ter each transaction category Average Daly Balance x number of days in the berg period x Daily Penodc Rate. (See ON finance range stsurnery on your streamers for these
smarts) Then we add up the Periodic Finance Charges ter each transaoxx rategery to get Itne total Periodic Finance Chaves fa you Ararat The average Daly Balance is
shown as zero d, because of the grace perod, no Periodic Finance Qmges aWy to ere balance in a transaction category.
We use to Average Defy Balance (mdudug new transactions) meted of calculating the balance upon which we impose Periodic Finance Chagas We con" ft Average Daily
Balance for each transaction category by adding cab all to daily balances in a bitkg period for a transaction category and cvidng the loW by the number of days to to billing cycle.
We compute teddy balance for each Wiseman category on each day by fist adchg to following to he previous days daly balance, transactions made to day. fees charged
that day and Periodic Fiance Charges soaked on that day t a transaction is posted to your Arrant after the close of the Wit; period in which f occurs. we we treat the transaction
as having occurred on the first day of the billing period in which it is pasted to your Accourt
At fees 8WC04 d are added to the standard purchase transaction category with to exception of Cash Advance Transaction Fee Fiance Charges which are added to
to applicable teat advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable bataroe transfer to sectim category.
When the special rate expires. we moue tie uppaid balance of the balance transfer and to Balance Trasfer Transaction Fee Fiore Charges to to slandad purchase transaction
category However. if the spade ere has been Wanwhded undo to Default Rate Plan. we leave to unpaid bakrre of to balance trasfer and the Balance Trader Transaction
Fee Finance Charges in the applicable bntsectnn category until to special me would have expired.
For TM (Tekcanmwhie>rtiaae Device for the DnQ assistance, at 140.347-7,M.
Discover mry manor avYor record telephone cats between you and Discover representatives for quaky assurance purposes
The Discovers cad is issued by Discover Bank, Member FDIC.
OlTBK107
New Balance
DISCI ; "AVER $6,140.51
12 SDSN6A01 0005204
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Minimum Payment Due Account Number ending in 1740
$123.00 Enter Amount Enclosed Bekrw
=Pym rd Due Date
Felxuary 11, 2007 Please make check payable to Discover Platinum
Card or pay online 'O Discovercord.com.
Go paperless and make your account
information more secure with password-
protected statements only you can access.
Learn more at discover conv)mperless.
PO BOX 71084 III¦¦rll¦¦¦¦¦nllr.I¦??rrnll
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space Inlnllu)nrlrllurlulnlnrllllnr)ulrr)ullnrln)nlr)ull
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458146742081061405100125000012300
Discover Platinum Card Account Summary
Closing Date: January 12, 2007 page 1 of 1
Account number ending in 1740 Previous Balance $6,255.42
Payment Due Date February 11 2007 Payments And Credits 125.00
Minimum Payment Due $123.00 Purchases + 0.00
Credit Limit $11,500.00 Cash Advances + 0.00
Credit Available $5,359.00 Balance Transfers + 0.00
Cash Credit Limit $5,800.00 Finance Charges + 10.09
Cash Credit Available $5,359.00 New Balance $6,140.51
You may be able to r -aid Psriodic Finance Charges, see #! e,
reverse side for details.
Cashback Bonu a Opening Cashback Bonus Balance $ 5.14
New Coshback Bonus This Period + 0.Q[)
Cashbock BonusO Anniversary
Month: June
Cashback Bonus Balance
5.14
Cashbook Bonus(R) is America's #1 Cash
Rewards Programl Full 5%Cashback Bonus
on Get More purchases in popular coal1eeggoornes
throughout the year and up to 1 % Cashbook
Bonus on all your other purchases.
How Can We Help You? I Visit Discover corn to pay your bi for no cost, view your
P latest Account information, earn and recleem rewards and more
It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service
options or to speak with a Customer Service Account Manager
Please have your Discover Card available. 3. Write us of Discover Card, PO Box 30943,
For TDD (assistance for hearing impaired) see reverse side Sob Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
TDarans. is Post
Data
Payments and Credits Jan 11 Jan 11 PAYMENT THANK YOU $ 125.00
Information For You
Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01616%; corresponding ANNUAL PERCENTAGE
RATE: 5.90%. Rate is subject to the terms of the offer including expiration.
Figee4eiCharge Summary
Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FINANCE FKANCE
Balances Rates RATES RATES CHAK;IFSS CRAWWS
current billing period: 31 days
Purchases $0 0.04997% 18.24% V 18.24% $0 s0
Cash Advances $0 0.05477% 19.99% F 19.99% $0 s0
Balance Transfers $6252.23 0.00521% 1.90% F 1.90% $10.09 s0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
Important Information. N there is more then one page to Nis billing statement, see the track of each page for additional important information
See your Cardnember Agreement Yam Cardmember agreement contains ad the terms of your Account
Lost or stolen cards. Report immediately! Cal 1A00-347-2663
Billing Rights Summary. In Case of Errors or Questions About Yam Bill: If you think your bid is wrong, or if you need more information about a transaction on your bid, write us on a
separate sheet of paper at Discover, PO Box 30421, Sao Lake City, UT 64130-0421, as soon as possible. We must hear front you no later than 60 days alter we sent you &a first bid
on which tie enor or problem appeared. You can telephone us, but doing so will not preserve your rights- In your letter, give in the following eormabon:
Your name and Account nhrnber
The dodar amount of to suspected error
Describe tie ens and explain. if you can. why you believe there is an omr. If you need more information. describe the item you are unsure abod
Your do not have to pay any amount in question while we we nvesligatitg. bid you we slid obligated to pay the parts of your b8 fiat are not in question. While we investigate your
quleshon, we rarxtot.repart you as datmquem a ?aka artyactiot to collect the anmUn yoe -estion.
Special Rare W Credit Card Purchases: N you have a problem with the quality of goods of services that you pueesed with a credd card and you have tried in good Fats b correct
the proble n rrtln to menhant, you may not hove to pay to remaining amount due on the goods or services- You have On protection orgy when the purchase price was mac than
$50 and the purchase was made in your home state or within 100 miles of your maiirig address. (N we own or operate the merchant, or if we meded you the adverlissnem for the
good a services all the purchase are covered regardless of the amount or location of to purchase.)
Payments. Send only your payment and to top portion of the statement in the envelop provided. Do not send cash. By sending your check as described above, you authorize us
to use information en your ctemk to make and electronic lend aansfar from you account at to finencW rstishicri wdimted on your deck or to process the payment as a eedu
Vivisection. N the payment is processed as an electronic kid transfer, the tanser will be for the amount of Be check. When we use nfomationn from your check b make an
electronic furd transfer, fads may be withdrawn from your account as soon as the same day we receive your payment, and you wild not receive your check bade from you iranaat
institution.
The processing of your payer maybe delayed it you seta cash. correspondence at other iems with you payment, if you send the payment to any otter address ail you use an
envelope other tin the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Amount as of that day.
Payments received at our processing facility after 5PM beat dune will be credited to your Accout as of the next day. If you have misplaced you envelope. send yaw payment to
Discover, PO Box 6103, Card Stream, IL 601978103. Please allow 7-10 days for delivery. If you payment is returned unpaid, we reserve the night to resubmit it es en
electronic debil.
You can pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments- Cad us at 18043412683. You wit need to statement and
you bank amount information. You must ensure that suffidem lords are available in your bank account, and all transactions must comply with U.S. lawn. You wd be asked to provide
the first 5 digits of you amount statement ZIP ode By entering twse nurtbers as your electronic signature, you will be agreeing b On authorization to aloes us and you bark to
deduct each payment you aurhonize from your bank amount, and to initiate debit or credit entries to your bank amount. as appliceble. to correct are in the processing of such
payment. You must tell us On amount of each payment, or you can select an amount such as hinanem Payment Due or to New Balance on each Nalemark You can tercel a
payment, however we must receive notice, at Inn twee business days in advance of the scheduled payment. You may notify us by phone at 1-8W-347-2683 or by mad at to
address failed in to previous paragraph. N you payments may vary in amount we will tell you on each monthly statement when your paynert wN be made and how much t will be.
You Automatic payment amount may be less fun tie indicated on the monthly, sstatement based on sifts or payments applied during the biting cycle
Credit Reporting. We may report niaknakion abed your amount to credit bureaus. Late payments, missed payments, or other defouds on you account may be redacted in your
credit report. We normally report the status and paymerd history of you Account to credit Wpm" agencies each month. If you believe Nat our mporl is iamrale OF inompfete,
please write its at to following atldtess: Discover, PD Box 15316, Wilmington, DE 198505316 Please intrude your name, address, hone Wephare cumber and Accurst amber.
PERIODIC FWANCE CHAGES. Periodic Finance Charges are irposed on ad transactions from the date the transaction is posted b your Account until to date you pay your entire
New Balance, by making payments or receiving credits. However, we will provide the bdowng -grace period If you paid de New !balance on your pervious bang statement by
the Payment Due Data shown on that statement, and you pay the New Balance by the Payment Due Date on this statement we will not impose Periodic Finance Charges on new
purchases. Nat is, purchases first appearing on ft statement. Otherwise, you will receive a biting statement next month that includes Periodic Finance Charges an those new
purchases There is no grace period on balance knsters or cash advances.
We sat your transactions into groups of purchases, cash advances, and balance transfers and then further sort de transactions whin each group by their Annual Percentage Rate.
For example purchases subject to a Promotional rate and purchases subject to standard rate would be separate groups. We refer to these groups as transaction categories. At to
end of each biding period, we compute Periodic Fiance Charges for each day of fe biding period for each transaction category We use the following equation to ampule Periodic
for each transaction category Average Daily Balance x number of days in the bang period x Daily Periodic Rate. (See the finance charge summary on your statement for these
a nou ts.) Then we add up the Periodic Finance Charges for each transaction category to get the total Periodic Fiance Charges for your Account. The average Daly Balance is
shown as zero t, because of to grace period, no Periodic Finance Charges apply b fie balance in a transaction category.
We use the Average Daly Balance (including new rarsactos) method of calculating the balance upon which we impose Periodic Finance Charges We compute Ow Average Daily
Balance for each tralsectimn category by adding up ad the daily balances in a biding period for a transaction category and dividing the total by the number of days in the big cycle.
We mi pule the daily balance for each transaction category on each day by first adding the following to the previous days daily, balance, transactions made Not day, fees charged
that day and Periodic Finance Charges accrued on that day. N a transaction is posted to your Amount "the close of to biting peniod in which it omens, we wi7lreat to transaction
as hang occurred on to first day of the billing period in which it is posted to yourAccount-
An fee 896 6im"h are added to the stardud purchase transaction category with the exception of Cash Advance Transaction Fee Finance Changes which are added to
the applicable cash advance transaction category and Balance Transfer Transaction Fee Fiance Charges which are added to the applicable balance transfer transaction, category
When the special rate expires. we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Fiance Charges to the standard purchase trasacbm
category. However, if the speael rate has been terminated under the Default Rate Plan, we leave to unpaid balance of the balance transfer and the Balance Trasfer Transaction
Fee Fiance Charges in the applicable aansaclan category until the special rate would have expired.
For TDO (Telecommunications Device for the Deal) assistance, call 1.804347-7419.
Discover may moibr andkx record telephone cats between you and Discover representatives for quekty assurance purposes
The Disover' card is issued by Discover Bank, Member FDIC.
OITBK107
DISC VER New Balance
$6,027.38
12 SDSN6A01 0005205
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Minimum Payment Due Account Number ending in 1740
$121.00 Enter Amount Enclosed Belaw
Payment Due Date
Mach 11, 2007 Please make check payable to Discover Platinum
Card or pay online @ Discovercard.corn.
2o pape?less and make your aocourtt
formMan more secure with password-
protected statements only you can access.
Learn more at discover corNpaperless.
luussllnlsllnsll
PO BOX 71084 Ill 111 1
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space Inlrllnlunlnllnrlnlrlnnllllnrln,lnlnllnlolnlrln,ll
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458146742081060273800123000012100
Discover Platinum Card Account Summary
Closing Dale: February 12, 2007 page 1 of 1
Account number ending in 1740 Previous Balance $6,140.51
Payment Due Date March 11 2007 Payments And Credits 123.00
Minimum Payment Due $121.00 Purchases + 0.00
Credit limit $11,500.00 Cash Advances + 0.00
Credit Available $5,472.00 Balance Transfers + 0.00
Cash Credit Limit $5,800.00 Finance Charges + 9.87
Cash Credit Available $5,472.00 New Balance a $6,027.38
You may be able to avoid Periodic Financa Charges, zee 4im
reverse side for details.
Cashback BonuSe Opening Cashback Bonus Balance $ 5.14
New Cashback Bonus This Period + 0.00
Cashbock$onus® Anniversary
Month: June
Cashback lkmus Balance $ 5.14
Cashback Bonus(R) is America's #1 Cash
Rewards Programl Full 5% Coshbock 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? I Visit Discover corn to pal' your 64 for no cod view
P latest Account information, earn and redeem rewQds and more
It's your choice - 3 ways to help 2. Call 1-800-0ISCOVER (347-2683) for fast, easy self-service
options or to speak with a Customer Service Account Manager
Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943,
For TDD (assistance for hearing impaired) see reverse side Sob Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Date Date
Payments and Credits Feb 6 Feb 6 PAYMENT THANK YOU S 12300
Information For You
Balance Transfer offer for current billing period: Daily Periodic Rate: 0.02712%; corresponding ANNUAL PERCENTAGE
RATE: 9.90%. Rate is subject to the terms of the offer including expiration.
fijU@M Charge Summary
Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCIENRAGE FIANCE F*LMU
Balances Rates RATES RATES CSC CHARGES
current billing period: 31 days
Purchases $0 0.04997% 18.24% V 18.24% $0 $0
Cash Advances $0 0.05477% 19.99% F 19.99% $0 $0
Balance Transfers $6117.52 0.00521% 1.90% F 1.90% $9.87 $0
The rates that apply to your Account are either fixed (F) or they may vary M as noted above.
knportant information. If there s more than one page to this hillng statement, seethe beck of each page for additional important mformation.
See your Crdmember Agreement. You Cardmember agreement contains all the hems of your Account.
Lost or owlen cards. Report nmediatAy! Cal 1500-347-2683.
Billing Rights Summary. In Case of bras or Quest ors About Your Bill: O you think you bill is wrong, or if you need more information abed a trasaui;m an your bi, wile us on a
separate sheet of paper at Discover, PO Box 30421. Sal Lake City, UT 84130-0421, as soon as possible. We must her from you no later than 60 days after we sent you the first bill
on which tre error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following Plomiabon:
You name and Arcou t number
The dollar meat of the suspected err
Describe the acr and explan, if you can. why you believe them is an error. If you need more information. describe the Am you are ursure, abed.
You do not have to pay any amount in question wide we are nvestigiong, but you are stil obligated b pay the parts of you bill that are not in question. While we irves gab your
ink.. rft-M you as defir;:crd a take argr adxxn to orAeu the amount you µw5lion.
S ' t Rate it Cie& Card Purchases: O have a
Paces you problem with the quakily dgoods or sevices that you purchased with a axtxlt card and you have uhed in goal twithh to correct
the problem wilh the merchant, you may not have to pay the remaining arrout due on the goods or services. You have On prdedon only when the purchase pdcewas more ton
$50 and the purchase was made in your have state or within 100 miles of your mairg address- (O we own or operate the merchant, or if we mailed you the adv rloo rertia the
good or services, all the puurdiase are covered regardless d the enhonl or location of the purchase)
Payments. Send only your payment and the top portion of to statement in the envelop provided. Do not send cash. By sanding you shad as described above, you sulruve is
to use inkxmeion on your check to make and electronic had transfer from your so= at In financial nsttubm irdMeted on your cheek or to press the pepronl as a died,
trarsacbm. N the payment a processed as an electric fund transfer, the transfer well be ter the amount dthe check. When we use item om from your dredr as mate an
electronic Red transfer , leads may be withdrawn from your account as soon as the same day we receive you peymerA, and you will not receive your dtedt had[ k ne ymr financial
instil ution.
Thep ocass:-g of ya:r cayanrat maybe delayed t you send cask conespodence or ot er dens with yar peymenl, A you sod the payment to any am adtkeseaiyou use an
envelope other than the one provided. Payments received in proper firm at our processing !achy by 5PM local Ime on any day will be credited to your Accou t as d tires day
Payments received at our processing facility after 5PM local time will be credited to yourAooaat as of the neA day. O you have misplaced your envelope. send yorpaymert be
Discover, PO Box 6103, Card Stream. L 60197-6 10:1. Please allow 7-10 days for delivery. O you payment is returned unpaid, we reserve the right b resrbrnir it as an
electronic debit.
You can pay your mniri m payment or a greater armxrt over the telephone, and you can set up suPornase payments. Cal us at 1-8"7M. You will need Ilm statement and
your bank arrant i kinnab on. You must ensue that sufficient furls are available in your bank account. and all transactions mast eorrpty with U.S. law. You will be asked to provide
the first 5 digits of you account statement ZIP code. By entering those numbers as your electronic signature. you will be agreeing to this aulhoriwtim to allow us and your hank to
deduct each payment you authorize Rom your bank acoourd, and to initiate debit or credit entries to your bank amout, as applicable, to correct error in the processing d such
payment. You must bill us the arnonM of each payment, or you can select an smart such as Miriam Payment Due or the New Balance on each statement Youvo creel a
payment. however we must receive notice at lest three business days in advance of the scheduled payment You may nobly us by phone at 1500.347-2683 or by mail at to
address listed in to previous paragraph. It your payments may vary in amount we will *1 you on each monthly statement when your payment will be made and horn much d will be.
You Automatic payment snout may be less than th indicated on The m WJ* statement based on credits or payments applied during the Wkng cycle.
Credit Reprd% We may report information about your account to rack bureaus. Late payments, missed payments, or other def sins on your account may be reflected in your
credit report. We nomkely report the status end payment history or your Account b =* repo" agencies each month. N you believe Met our repot s ikaoasate or incomplete,
please wife us at the folorvrg address: Discover, PO Box 15316, Wilmington, DE 198505316. Please include your name, address. lame telephone rumba ardAccount number.
PERIODIC FtIANCE CHAGES. Periodic Finance Charges are imposed on all transaction from ire data if* trasaction is posted to yourAcoard will the dse you pay your mare
New Balance, by making payments or receiving credits. However, we will provide the fotowig "grece period O you paid the New Balance on your pervious bftg sbsemert by
the Payment Due Oak sham on that statereM. end you pay the New Balance by the Payment Due Be* on this statement we will not impose Periodic Finance Ganges on new
purchases, that is, purdreses first appearing on this statement. Otherwise, you will receive a tilling statement next month tot includes Periodic Finance Changes on tow new
purchases. There is no grace period on balance transfers or cash advances.
We sort your transactions iao grails of purchases, cash advances, and balance tiasters and their further sort the transactions within each grip by theiMard Percentage Rate.
For example purchases sugea to a promotional rate and purchases subject to standrd rate would be separate grays. We rata to tkse groups as transaction categories. At the
end of each biting period, we oorpule Peocc Fierce Charges for each day of the being period for each transaction category We use the following equation b compute Periodic
for each transaction category. Average Daly Balance x number of days in the big period x Daily Periodic Rate. (See the finance charge summary on your statement far dose
smou tor) Than we add up the Periodic Finance Charges for each trarh-,adxin category to get the Val Periodic Finance Charges for your Account The average Daly Balance is
shown as zero d, because of the grace period, no Periodic Finarim Charges apply to the balance in a transaction category.
We we the Average Daly Balance (including new transactions) meted of calculating to balance upon which we impose Periodic Finance Charges. We conpub tkneAwrage Daly
Balance for each transaction category by adding up all the daily balances in a billing period for a transaction category and dividing the tai by the ember olda ys in the big cycle.
We compute to daily balance for each transaction category on each day by first adding the lo" to the previous days dslybdmm, transactions made dsl day, fees dhaged
that day ad periodic Fiance Charges accrued on that day Oa Irasaction is posted to you Account after the dose of the big period in which it occurs. we w7 treat elk transaction
as having occurred on the first day of the biting period in which A is posted to your Account.
AD fees ON646§oqurd are added to the standard purchase transaction calegory with ire exception of Cash Advance Transaction Fee Fiance Chages whc h are added to
the appirabb rash advance Yasacbn category and Balance Transfer Transaction Fee Finance, Charges which are added to to applicable balance transfer transaction category
When the special raw expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges b the standard purchase transaction
category. However, l he special rate has been terminated coda the Default Rate Nan. we leave cis unpaid balance of the balance transfer and the Balance Lasko Thi sac non
Fee Finance Charges in the applicable transaction category until to special rate would have explored
Fr TOO (Telecommunications Device for the Deaf) assistance, call 1500-347-7449.
Discover may monitor anft record telephone calls between you and Discover representatives for quality assurance purposes
The Discover" cad is seed by Discover Be*, Member FDIC.
OtTBf107
C/? New Balance Minimum Payment Due Account Number ending in 1740
DISCOVEI $5,986.91 $119.00 Enter Amount Enclosed Below
Payment Due Date $ 1
April 11, 2007 Please make check we
ble b Discover Platinum
Card or pay online xovercard.com.
12 SDSN6A01 0105206
DOUGLAS ROSS Go paperless and make your account
information more secure with Password-
SERLA ROSS pprotected statements onyyoucanaccess,
510 LAMP POST LN Learnmoreatdiscoveccom4mperless.
CAMP HILL PA 17011-1429
PO BOX 71084
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space
above, or go to Dixover.com. Pried your e-mail address to
receive important Account information and special offers.
000001986458146742081059869100125000011900
Discover Platinum Card Account Summary
Closing Date: March 12, 2007 page 1 of 1
Account number ending in 1740 Previous Balance $6,027.38
Payment Due Date April 11, 2007 Payments And Credits 125.00
Minimum Payment Due $119.00 Purchases + 0.00
Credit limit $11,500.00 Cash Advances + 0.00
Credit Available $5,513.00 Balance Transfers + 0.00
Cash Credit Limit $5,800.00 France Charges + 84.53
Cash Credit Available $5,513.00 New Balance = $5.986.01
nvr i F's?rt.Rfw: "r,.nr;e Mircln= tx+--.
reverse side for details.
Cashback Bonuse Opening Cashback Bonus Balance $ 5.14
New Cashback Bonus This Period + 0.00
Cashback Bonus Balance $ 5.14
.
Cashback Bonus*Anniversary
Month: June
Cashback Bonus(R) is America's #1 Cash
Rewards Program! Full 5% Cashback Bonus
on Get More purchases in popular caFegormes
throughout the year and up to 1 % Cashback
Bonus on all your other purchases.
How Can We Help You? I Visit Discover corn to pay your bill for "° ceeosy =and latest Account information, earn and redm rewarris and more
It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service
Please have your Discover Card available. options or to speak with a Customer Service Account Manager
For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943,
Sob Lake City, LIT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. P
Da b
Payments and Credits Mar 7 Mar 7 PAYMENT THANK YOU $ 125.00
Information for You
Balance Transfer offer for current billing period: Daily Periodic Rate: 0.02712%; corresponding ANNUAL PERCENTAGE
RATE: 9.90%. Rate is subject to the terms of the offer including expiration.
i an a harge Summary
Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Balances Rates RATES RATES CHARGES CHARGES
current billing period: 28 days
Purchases $6041.40 0.04997% 18.24% V 18.24% $84.53 $0
Cash Advances $0 0.05477% 19.99% F 19-99% $0 $0
The rates that apply to your Account are either fixed IF) or they may vary IV) as noted above
Manage your account your way - whether you prefer to speak with a live person or manage it on your own, Discover(R)
Card has the right account management options for you. Call 1-800-DISCOVER (1-800-347-2683) or visit Dixovercard.com
Imporhnf Information. If there s more than one page to this billing statement. see the beck of each page for additional important infannshon
See your Cardmember Agreement Your Cardmomber agreement contain all the burrs of your Account.
Lost or stolen cards. Report mmedollely! Cal 1-800.347-2683.
Oiling Rights Summary. In Case of Enos or Qtorstims About You Bil_ If you tautc you bit's wrong, or t you need more intonation about a transaction on yon bit. while us on a
separate shat of paper at Discover, PO Box 30421. Salt Lake Cit. UT 841300421. as soon as possible. We must hear from you no later dicer, 60 days after we sort you the first bill
on which the enar or problem appeared You can tebphhcrre us, but doing so wind preserve you rights. In your letter. give us the following vdartatiort
Your name and Account number
The dollar amount of the suspected error
Describe the error and explain, if you can, why you believe there is an error. If you need more information. desc bee the tern you are unsure abort
You do not have to pay any amount in question while we are nvestigeing, but you are still obligated to pay the parts of your big that are not in question. l4lde we investitiele your
-.gUW60% vre earn .:,,PW' -I MedetirhgW, rte tai's. ,. 94c ors to ocgrrt tua ?!•«. anrw *.rwhre •r - - ?- _ -- ... .
Special Rate for Credit Card Purchases: If you have a problem with the quakyof goods or services that you purdwsed won a credit cad and you have wed in good With to correct
the problem with the merchant, you may not have to pay the remaining amount de an the goods or services. You have this protection aHyw4hen the puclase puce was more can
$50 and the purchase was made in your hone stele at w ilm 108 miles of you mating address. (t we own or operate the merchant, or (we meted you the advertisement for the
good or services, all the purchase are covered regardless of the amount or location of the purchase-)
Payments. Send ably you payment and the top portion of the stateorherq in the envelop provided. Do riot send cash. By sending you check as described above. you authorize us
to use information on your check to make and electronic lead transterfrom your amount at the financial mstum indicated on your dhece or to process use I , I ,nt as a ched
transactonn. N the payment is processed as an dectrmic find transfer, the trarsl r will be for the amount of the check. When we use information from your check Is make an
electronic fund transkr. fads may be withdrawn from you amount as soon as the same day we receive you payment, and you will not receive your c hedk bade kern you financial
istihution.
Th. processing of your payment maybe delayed d you send -K WITeapadence or oil- on with you paymerhl. it you send fie payment b any Other address 91 lf you use an
envelope oohs than the one provided. Payments received in proper forth at our Processing tacky by 5PM local Ime mn any day Will be credited In your Amount as Of that day.
Payments received at our processing facility after 5PM local ins wig be credited In yo rArmut as of to next day. If you have misplaced you envelope, send yam payment to
Discover, PO Box 6103, Carol Stream, IL 601978103. Please allow 7-10 days for delivery. If you payment is returned unpaid. we reserve to right to restrorhhie A as an
electronic debit.
You can pay your mininum payment or a greater amount ova the telephone, and you can had up automatic payments. Cal us at I-M3472683. You ail reed his statement and
you bat account information. YOU mist ensue that suliciert fronds are available in you batik account. and all transactions nrbt comply with U.S. law. You will be asked to provide
the first 5 d grits of you accord statement ZIP code. By entering arose numbers as yorelectrane sipakae, you will he agreeing to On authorization to aloe us lad yaw bade to
deduct each permit you outionze from your herb smounl and to rotate debit or credit entries to your bank emount, as applicable, b cared amr in tyre pnoeemrg of such
payment You must bit us the amount of each payment, or you can select an avant such as W himnt Payment Due or oar New Balance on each statement tau cab carrot a
paynert however we must receive notice at least tree business days in advance of the scheduled payment. You may nobly us by phone at 18gO.'i07,2683 or by nail at the
address (sled in the previous paragraph. t your payments may vary in amount we will tell you on each monthly statement when your payment will be made aid low much it will be.
Your Automatic payment avant may be ben Men oar indicated an the monthly statement based on audits or payments applied daring the billing cycle.
Credit Reporting. We may report nfmnati n about your account to credit bureaus. Lae payments, missed peymaras, or other defaulls on your amount may be reflected in your
credit report. We normally report the stabs and payment! history d your Amount to credit reporting agendas each month. If you believe that our report is incaaate or ncorrpiele.
please wrlle us at the following address: Discover, PO Box 15316. Wih*KjM DE 198505316. Please include you name. address, home telephone mrrber adAcmrd amber.
PERIODIC FRANCE CNAGES. Perak Finance Charges are imposed an all transactions from the dab to trarh Wei is posted b your Account unl the dose you pay your entire
New Balance, by making payments or receiving credits. However, we will provide the folowwg ^grace per od" it you pad the New Balance on your previous buirg stalered by
the Payment Due Date shown on that statement and you pay the New Balance by to Payment Due Date on this statement we Wall not impose Periodic Finance Charges Orb new
purchases. that is, purchases first appearing on this stMemert Otherwise. you will receive a biting sbtemevt next momM that includes Perak France Charges an those new
purchases. There is no grace period at balance transfers or cash advances,
We sort you hansacions into groups of purchases. cash advances. and belaoe traders and Mai further sat the transactions within each grail by Ow Annual Percentage Rate.
For example purchases sublecf to a promotional rate and purchases subject to ataldad rate would be separate groups. We refer to these goys as transaction categories. At to
end of each biting period, we conpta Peniodic Finance Charges foreac h day of the lift period for each transaction category. We use the fobhwhgeghaion ter mnpnde Periodic
for each transaction category Average Daly Balance x number of days in the Milt pond x Daily Perak Hate. (See the fiiarce charge sunmary an you smaraen for these
amours.) Then we add tip Me Periods Finance Charges for each transaction calegory to get the total Periodic Finance Charges for your Acmiu t The average D it Balance is
shown as zero d, because of tie grace period. no Periodic France Charges apply to the balance in a transaction category
.
We use to Average Daily Balance fndudrg new tmraactms) method of calculating one balance upon which we repose Periodic F'rn0rnce Charges. We earpufe are Average Daily
Balance for each transaction category by odd" up al the daily ballerinas in a billing period for a transaction category and dividing the total by the number of days in she filing cycle
We compute the daily balance for each transaction category on each day by oral adding one following to the previous day's daily balance. transactions made that ft hies charged
that day and Periodic Finance Charges accrued on that day If a transaction is posted to your Account after the dose of the b*V period in wfhidh it occurs, we wit new the transaction
as having scarred on the first day of the MM period in which 0 is pasted to your Account.
Ali we8966466,ccount ae added to the standard purchase transaction category With the exception of Cash Advance Tai sa hon Fee Fnarm Charges which are added to
the applicable cash advarce transaction allegory and Balaroe Transfer Transacam Fee Finarm Charges which are added to to applicable balance iasfer transaction category
When the, special raw expies. we move the unpaid balace of the balance trarsfar and the Babmce Transfer Transaction Fee France Chhages b the standard purchase transaction
category However, if to special rate has been terminated undar the Default Rob Wan, we leave the unpaid balance of the balance transfer and one Balance Transfer Transaction
Fee Fiance Charges in the applicable transaction category until the special tale would lave expired.
For TDD (Teleco nmunicators Device for the Deal) assistance, cal 1800-347-7449
Discover may mm V wndiaf record telephone ads between you and Discover representatives for quality assurance purposes
The Discovers card is issued by Discover Balk, Member FDIC.
OITBK107
DISC VER $5New Bal
959.87ce
12 SDSN6A01 0005207
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Minimum Payment Due Account Number ending in 1740
$118.00 Enter Amount Enclosed Below
Payment Due Date $I I
May 11, 2007 Please make check payable lo Discover Pktinum
Card or pay online ?? DDiscovercard.care
Address, e-mail or telephone changeg Print change in space
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
Go paperless and make your account
information more secure with password-
protected statements only you can access-
Learn more at discover conVleaperless.
PO BOX 71084 (llnsllrrrnsl?rrlsl?nrll
CHARLOTTE NC 28272-1084
11111 it lisle ties 1111 oil
000001986458146742081059598700120000011800
Discover Platinum Card Account Summary
Closing Date: April 12, 2007 page 1 of 1
Account number ending in 17,40 Previous Balance $5,986.91
Payment Due Date May 11, 2007 Payments And Credits 120.00
Minimum Payment Due $118.00 Purchases + 0.00
Credit Limit $11,500.00 Cash Advances + 0.00
Credit Available $5,540.00 Balance Transfers + 0.00
Cash Credit Limit $5,800.00 Finance Charges + 92.96
Cash Credit Available $5,540.00 New Balance a $5,959.87
V-; n+_. I i a ,41n {n p.yoo? ?+„f« ? ,, i irr rrel ' nvtgw :qv J*
reverse side for details.
Cashback Simuse Opening Cashbock Bonus Balance $ 5.14
New Cashbock Bonus This Period + 0.00
Cashback Bonus Balance $ 5.14
Ewhback Bonus® Anniversary
Month: June
Cashback Bonus(R) is America's #1 Cash
Rewards Progroml Full 5% Cashbock Bonus
on Get More purchases in popular coiegories
throughout the year and up to i % Cashback
Bonus on all your other purchases.
How Can We Help YOUR 1 Visit Discaver.cam to pay your bN for no cod, view you
P latest Account information, earn and redeem rewards rand more
It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy Wi3ervice
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
Dais Date
Payrnenh and Gedits Apr 5 Apr 5 PAYMENT THANK YOU $ 120.00
-Information for You - -
Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01616%; corresponding ANNUAL PERCENTAGE
RATE: 5.90%. Rate is subject to the terms of the offer including expiration.
POD Charge Summary
Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FNANCE FINANCE
Balances Rotes RATES RATES CHARGES CAGES
current billing period: 31 days
Purchases $6000.98 0.04997% 18.24% V 18.24% $92.96 $0
Cash Advances $0 0.06299% 22.99% F 22.99% $0 $0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
Important Inhwmadon. N there is more than one page b On dreg stdament, see the beds of each page for additional mporta i nbrmation.
See your CardmemberAgreement Your Cardmember agmemerd oonta<ts al the terms of your Account.
Lost or stolen cards. Repot mmedeidy! Cal 1800347-2683.
Biting Rights Summary. In Case of Emas or ClueshoosAbout Your Oil: If you tank you bill is wring, or 0 you need more idomabon about a transaction on your bill, write us on a
separate sheet d paper at Discover, PO Box 30421, Sal Lake City, UT 841300421. as soon as possible. We must hear from you no later Man 60 days alter we sent you the first bit
on which the error or problem appeared. You can telephone us, big doing so will not preserve you rights. In your letter, give us the following nbrmahon:
Your name ardAmouni number
The dollar mow of the suspected erot
Describe tithe error and aplen, 4 you can. why you believe Owe is an emir If you need more rnommakon, describe the A em you ale unsure about.
You do not have to pay any amount in question while we are ra g, but you are slit obligated b pay the parts of you bb that are not in question. While we irwestigole your
cr; nt as d!?nquent or take any action to mlect One amourd yap yussa:
Spe aril Ram to swcod: "M Purchtim. t you have a problem with the quality dgoods or sernaes drat you purchased YA;h a uedit Lain and you tha* ueu n good tech b comer
the problem with the merchant. you may not have to pay the retraining amot" due on the goods or services. You have this protection only when the purchase price was more Man
S50 and the purchase was made in your hone state or within 100 miles of you mailing address. (t we own or operate do merchant, u! we trailed you the advertisement for the
good or services, all the purchase are covered regardless of the amount or location of the purchase.)
Payments. Send orgy your payment and the top portion of the statement in the envelop provided. Do not send cash. By sending your deck as described above. you aulhorcre us
to use information on your deck to make and dedrom fund transfer from you account at the fnakaal nnlAan indicated on yaw deck a to process the payment as a deck
tfahsackon. t the payment is processed as an electronic kind karslar, the trader oil be let the amid of the check then we use information from your dedk to make an
deckow fund transfer, funds may be withdrawn korn your account as soon as the same day we receive you payment and you will not receive you cede bads from your financial
istiddon.
TM Processing of yet payment maybe delayed d you sad cash, correspondence or other dens with your peyrrmehl A you send the payment to any other address the Iyou, we an
envelope other than the one provided. Payments received in proper form at our processing ladlily by 5PM local tine on any day will be credited to you Accent as d that day
payments received a our processing fackyt after 5PM local time will be credited to your Account as of the red day O you have misplaced your envelope. send your payment b
Discover, PO Book 6103, Cad &ream, k 60197$103. Please allow 7-10 days for delivery. If your payment is returned unpaid. we reserve i e right to resubmit 0 as an
eledrarac debit
You can pay your nirwam payment or e greater amount over the telephone, and you can set rip automatic peymerds. Cal us at 14043472683. You will need this statement and
you bark account nfonmaton. You must ensue to sufficient kids are available n your bank acmud, and all transactions rest comply with U.S_ law. You wi be asked to provide
t e hst 5 digb d you accoun atalenhent ZIP code. By entering those numbers asyour electronic signature, you will be agreeing to In a t haimkon to allow us and you bank b
deduct each payment you authome from your bank eaaun, and to imi ate debit or credit entries to your bade aocemd, as applicable. b correct error in the processing of such
payment You must tell us the amoral of each peymeni at you can send an amount such as Mihmun Payment Due or the New Balance on each steler ent. You can cancel a
paysment, however we mast receive notice of least three bu ti ess days in advance d the scheduled payment You may notify us by phone at 14(111347-2683 or by mail at the
address kslad in the previous paragraph. If you payments may vary n amount we will tell you on each monthly statement when your payment will be made ad how much it will be.
You Automatic payment arum may be less ten the indurated on the monthly statement based on credits of payments applied tturg the Ming aide.
Credit Reporting. We may report fftwo m abed your account to credit bureaus. Late payments. rinsed payments, or other debft on your account may be relladed in your
credit report. We normally report the steles and payment history of your Account to credit reporting agencies each mach. I you believe that our report is inaccurate or incomplete.
please write us at the following address: Discover. PO Box 15316, Wilmington, DE 19850-5316. Please ihdode your name, address, home telephone amber and Account amber.
PERIODIC FINANCE CHAGES. Periodic Fiance Changes are imposed on at transactions from the date the transaction a posted to your Account until le dde you pay your mare
New Balance, by making payments or receiving credits. However, we will provide the billowing -Mce Paved O you paid do New Balance on you permits bNrg statement by
le Payment Due Date shown on Ora statemem, and you pay the New Balance by die Payment Due Date on this statement we all not impose Periodic Fiance Charges on new
purchases. that is, purchases lira appearing an ft statement. Otherwise. you oil receive a biltrg statement next month that rhdudes Perodic Fiance Charges on lase new
purchases. Thee is no greed period on balance ba sfers or cash advances.
We sort your transactions into groups d purchases, cash advances. and balance traskas ad then kmha sat the karsacl ons willow each group by their Annual Percentage Rate.
For example purchases objet to a promotional rate and purses subject to standard rate would be separate groups. M rota b these groups as transaction categones, At to
end of each billing period. we cor pule Paodic I'marhco Charges lot each day of the billing period for each transaction category We use the following eyetrm lo, compute Penodc;
for each transaction category. Average Daily Balance x amber of days in the biting period x Deily Periodic Rate. (See the finance charge srnmay on your slostow for these
amouns I Then we add tip the Periodic Finance Charges for each bansechon category to get the total Perodic Rrertoe Charges for your Account. The average Daily Balance is
shown as zero d, because of to grace period, no Periodic Finance Charges apply to the ba ence in a Lnaasactim category.
We use the Average Daily Balance (nduding new basectrors) method of calculakrg the balance upon which we impose Periodic France Charges. We compute McAverage Daly
Balance for each transaction category by adding up at to daily brdarwes in a billing period tar a transaction am" and dividing the bill by the amber of days in the bung cycle.
We compute tte daily balance for each kansapim category on each day by fist adding the blowing b the previous day's daily balance. trasackons made that day, fees charged
Mat day and Pabdic Finance Charges accrued on today Its transaction is posted to yosaeceunt after the dose d the billing period in which d occurs, we oil boa the trisection
as having occurred on the kst day d to biYg period n which it is posted to yorAceaml
N teas int are added to the standard purchase transaction category with the esepbam d Cash Advance Transaction Fee Finance gorges which are added to
the aloe tramseckm category and Bataroe Thi sfer Trasaction Fee Fiance Charges which am added to the appkrabb balance transfer transaction category.
Whim the spekisl rate expres. we nave to unpaid balance d to balance trasfer and the Balance Traveler TBSSctim Fee Finance Chagas to the standard purchase transaction
category However , it tie special rate has been lennialed under le Default Rate Plan, we leave the unpaid balance of to balance trander and the Balance Trarsfe Trasaction
Fee Finance Charges in the applicable bansacbm category until the special rate wand have expired.
For TDD (Tdecammuricauom Device for the DeaQ assistance. cal 1-800347-7449.
Discover may mistor adkr record tdepthone calls between you ad Discover representatives for quality assurance purposes
The Discovaa cad is issued by Discover Bank, Member FDIC.
OITWI07
New Balance
DISCOVER $5,929.20
12 SDSN6A01 0005208
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Minimum Payment Due Account Number ending in 1740
$117.00 Enter Amount Enclosed Below
Payment Due Date $1
June 11, 2007 Please make check pay" to Discover Card or
pay online 0 Discovercard.com.
Go paperless and make your account
information more secure with password-
protected statements only you can access.
Lear more at discover.comlpaperless.
PO BOX 71084 111111111 oil 1111411611181 11
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space ?rrlrl?nlI I III1111111,Lfr,J111u11rlnr1nl11Iloilo 6lnI I
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458146742081059292000120000011700
Discover More Card Account Summary
Closing Date: May 12, 2007 page 1 of I
Account number ending in 1740 Previous Balance $5,959.87
Payment Due Date June 11, 2007 Payments And Credits 120.00
Minimum Payment Due $117.00 Purchases + 0.00
Credit Limit $11,500.00 Cash Advances + 0.00
Credit Available $5,570.00 Balance Transfers + 0.00
Cash Credit Limit $5,800.00 Fiance Charges + 89.33
Cash Credit Available $5,570.00 New Balance $5,929.20
yeA.ma'11 b•..abl'.:.ima ?!; t•: -iilJ.: + c'.Y.$ rltr(l67n::, s<_,. Ali
reverse side for details.
Cashb«k Bonuse Opening Coshbock Bonus Balance $ 5.14
New Cashback Boras This Period + 0.00
Cashba& Bonus Balance $ 5.14
Cashbock Bonus® Anniversary
Month: June
Cashbock Bonus(R) is America's #1 Cash
Rewards Programl Full 5%Coshbock Bonus
on Get More purchases in popular h?ones
throughout the year and up to I% Cashback
Bonus on all your other purchases.
Now Can We Help You? I Visit Discover corn to pal' your b8 for no cast 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 sewservice
options or to speak with a Customer Service Account Manager
Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943,
For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 8,4130
Transactions $0 Fraud Uabiliy Guarantee Use your Discover Card with confidence.
Trans. Post
Dale Date
Payments and Credits May 2 May 2 PAYMENT THANK YOU $ 120.00
Information For You
Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01616%; corresponding ANNUAL PERCENTAGE
RATE: 5.90%. Rate is subject to the terns of the offer including expiration.
$9ft-MCharge Summary
Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FlNANCE FIINANCE
Balonces Rates RATES RATES CHARGES CHARGES
current billing period: 30 days
Purchases $5959.15 0.04997% 18.24% V 1824% $89.33 $0
Promotional Purchases $0 0.00521% 1.90% F 1.90% $0 $0
Cash Advances $0 0.06299% 22.9990 F 22.99% $0 $0
The rates that apply to your Account are either fixed (F) or they may vary (V) as rated above.
Your Discover(R) Card has you covered with Complete Fraud Protection for your ce of mind. Our advanced fraud
warnings mean you'll know right away should any suspicious activity occur if your card is lost or stolen, you have $0
Fraud liability guarantee-you're not responsible for any fraudulent charges.
Important Information. If snare is more then one page to this billing statement, see the back of each page for additional important inlomation.
See your Cardmemher Agreement Your Cardmember agreement contains all the terms of your Account.
Lost or stolen cards. Report immediately! Cat 14100-347-2683.
Billing Rights Summary. In Case of Errors or Questions About Your BA: N you think your big is wring, or 4 you need more inlonnaEdn about a transaction on your bil, write his on e
separate sheet of paper at Discover, PO Box 30421, Sale Lake City, UT 841300421, as soon as possible. We must hear from you no later than 60 clays attic we sent you On fret by
on which the error or problem appeared You can telephone us, but doing so wil not preserve your tights. In your letter, give us the blowing information:
Your name and Account number
The dollar arrhount of the suspected error
Describe to error and o plan, i you can. wiry you believe time is an error If you need more information. describe the item you are unsure about.
You do clot have to pay any amohrd in question stile we are investigating, bd you are sill obligated b pay the parts of you bit that are not in queslon. While we nvestigele your
m msm7r ri >:, ;,°t a5 cle4r^,=?t cf:ake any Orton to C4a;l Ups am: ^r>PSa..
Spcard Rafe for ctiadd Card puniftses:11 you heve a prublem whin the quakty of goads or servers M Z you purchased w 1 a cnedil cad and you have Uwd it. gwu laa, to carrel
due problem with the merchant. you may not hove to pay to remaining amount due on the goods or services- You have this protection arty when the purchase pica was more than
S50 and the purchase was made in you home slate or within 100 miles tt you malig address. Ill we own or operate the mere ham, or f we meted you the advedisement Arc the
good or samoes, all Be purchase are covered regardless of the amount or locabon of the purchase.)
Paymmis. Sand any your payment and hue top portion of the statement in the envelop provided. Do not serd cash. By sending your dick as described above. you aueror¢e us
to use information on your dhede to make and eedronic fund transfer Iran your accord at the financial ihsfiuntlort indicated on you check or to process the payment as a deek
vaseceon. N the payment is processed as an elerdnons; fund tarsier, the traspa will be for the amount o(the check. When we use information ban you deck to make an
electronic fund transfer, bids may be withdrawn from your account as son as to same day we receive you payment, and you wi not receive you dick back ion your Iiinancial
isdueorh.
The processig of your payment maybe delayed if you sad cask carespadence or other dams with your payment, f you send the payment b any direr address or if you use an
envelope other dhah the are provided. Payments reasived in proper barn at our processing facility by 51"M local kne on any day will be credited to your Amount as of filet day.
Payments received at our processing facility after 5PM local kTw wi be credited b yo rAccornt as d due next day- If you have misplaced your envelope. send yaw payment to
Discover, PO Box 6103, Carol Stream, IL 60197-6103. Please al err 7-10 days for defivery. if you payment is returned unpaid, we reserve the right to resubrit it as an
electronic debit.
You can pay your minimum parent or a greater arraud over she telephone. and you can set up submali: payments. Cat its at 1-8003472683. You will need In statement and
your bank account ifonmbw- You must ensure that shrthdent Ards are available in yaw bank accow. and all transactions must comply with U.S. law. You *4 be asked to provide
to lest 5 dgits of you account statement ZIP code. By a" those numbers as your electronic slgnaknne, you will be agreeing to this aurhoustan to slow us and your bank b
delta each payment you atlraae from your bank ecaut, and to iitete debit or croft entries to your bank accent, as applicable, to cared error in the pocessig of such
payment You must Id to the arrwura d each peynat, or you can soled an amount such as Miriam Payment Due or the New Balance on each statement You can Cornmeal a
payment however we must receive nolim at least free business days in advance of the scheduled par" You may notify us by phone at 1-M-347-2683 or by mad at to
address lisled'n to previous paragraph. If your payments may vary in amount ,'we will tell you on each mouthy abstentions when your payment wit be made and haw much t whit be.
Your Automatic psymsrt amount may be lees then the indicated on the mord* statement based on creedds a payments abed dung the bdq cycle
Credit Reporting. We may report idamatim about your account to credit bureaus. Late .pwa.y,.m..ee,n,nts. missed payments, or other dislouls on your account may be rallaged in your
credit report We nomaly repot to sta is and payment history of you Account to credit reporting agencies each month. 0 you believe that our report is iecarak or inotimpkle.
please write us at the blowing address: Discover, PO Box 15316, Wikringtah, DE 19850-5316. Please include yots name, address, hone telephone number and Account number.
PERIODIC FINANCE CHAGES. Periodic Finance Charges are imposed on el transactions from the date the transaction is posted to your Account until the date you pay your entire
New Balance, by makng payments or receiving credts- However, we will provide to fodowng grace petiod- I you paid the New Balance on your pevias billing statement by
the Parrett Due Dab shown on that statement, and you pay the New Balance by the Payment Due Date on this statement we wit not impose periodic Fna ce Charges an new
purchases, Oral is, purchases lest appearing on 1I staleaterd. Oderwre, you wil receive a biding statement next math that includes periodic Fnace Charges on those new
purchases. There is no grace period on balance transfers or cash advances.
°,,?y,ou r? ,, transactions into groups of purdeses, cash advances, and balance transfers and then fatter sorl the transadiats widest each group by their Annual Percentage Rate.
We sort
For exarple purchases slrbject to a promotional rate and purchases witted to standard rate would be separate grips. We seat to these gaups as transaction ralegones. At the
rod of each biding period. we canpusa Pei Finance Charges for each day of the boiling period br each transaction category We use the blowing equation to compuie- periodic
for each transaction category. Average Day Balance x number d days in the billing period x Daily Periodic Rate. (See the finance large summary on your statement for these
an*".) Then we add op the Periodic Finance Charges lour each hasadion category to get the total Periodic Finance Charges br your AocDml The average Daly Balance is
shown as zero if, because of lie grace period, no Periods Finance Charges apply to the balance in a transaction category
We use s eAverage Daily Balance (ahckrdrhg new ransaaions) method of calctlatrhg the balance upon which we impose Periodic Finance Charges. We eanpule to Average Daly
Balance for each transaction category by adding up all the defy balances in a bding period br a transaction category and dividing the told by the nanber of days n the bilM cycle.
We compute to daily balance for each transaction category on each day by first adding the following to the previous day's daily balance: transactions made that day fees charged
that day and Per*& Finance Charges accrued an ter day If a transaction is posted to yaw Account after the dose of the billing period in which it occurs, we will treat the ha sadioh
as having occurred on to W day of the biting period in which t is posted to your Account
are added to
All fees aledoe Ya f?pCOUM are added b she standard purchase trasalion category with the exception of Cash Advance Transaction Fee Finance Charges is hich
she sacion category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable balance transfer transaction category.
W,?hfne.n. she special rate expires. we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Fiance Charges to the stardad purchase trasacbn
category. However. f the special rate has been terminated ads the Default Rate Plan, we Wave the unpaid balance of the balance banister and the Balance Trawler Transaction
Fee Finance Chagas in the applicable transaction category until she special rate would have expired.
Fa TOD (Teleconrnuiricadors Device for the Dead) assistance, call 1-M-347-7149.
Discover may monitor andbir record telephone cats between you and Discover representaives for quaky assurance purposes
The Discover card is issued by Discover Bank, Mff ber FDIC.
OITBK107
DISC V E R New Balance Minimum Payment Due Account Number ending in 1740
$5,901.38 $117.00 Enter Amount Enclosed Below
Payment Due Date $ 1 1
July 11, 2007 Please make check poyab6 to Discover Card or
pay online @ Discovercard.com.
12 SDSNBA01 0005209
ithaccount
DOUGLAS ROSS Go paperless and make your
ROSS ?vrotf dsstatemore mentonly re e d
Learn more at diseontet:
SERLA 510 LAMP POST LN L s.
CAMP HILL PA 17011-1429
PO BOX 71084 11111111111111111 sell
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change8 Print change in space InIrIlnlurlrllnrlnlrlnrllllnJnlulullulnlnlrlull
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458146742081059013800120000011700
Discover More Card Account Summary
Closing Dale: June 12, 2007 page 1 of 1
Account number ending in 1740 Previous Balance $5,929.20
Payment Due Date July 11, 2007 Payments And Credits 120.00
Minimum Payment Due $117.00 Purchases + 0.00
Credit Limit $11,500.00 Cash Advances + 0.00
Credit Available $5,598.00 Balance Transfers + 0.00
Cash Credit Limit $5,800.00 Finance Charges + 92.18
Cash Credit Available $5,598.00 New Balance = $5,901.38
You may be able to ovoid Periodic finance Charges, see the
reverse side for details.
Cashback Bowe Opening Cashback Bonus Balance $ 5.14
New Cashback Bonus This Period + 0.00
Cashbock Bonus Balance $ 5.14
Coshbock Bonus® 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 % Cashback
Bonus on all your other purchases.
How Can We Help You? 1 Visit Dscaver com to pay your bR for ne coo =..d
latest Account information, earn and redeem more
It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347.2683) for fast, easy self-service
Please have your Discover Card available. options or to speak with a Customer Service Account Manager
For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943,
Soh Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Date Date
Payments and Credits Jun 7 Jun 7 PAYMEN T THANK YOU $ 120.00
Information For You
Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01616%; corresponding ANNUAL PERCENTAGE
RATE: 5.90%. Rate is subject to the terms of the offer including expiration.
6'gggglgrr Charge Summary
Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FmANCE FNANCE
Balances Rates RATES RATES CHARM CHARGES
current billing period: 31 days
Purchases $5950.60 0.04997% 18.24% V 18.24% $92.18 s0
Promotional Purchases $0 0.00521% 1.90% F 1.90% $0 $0
Cash Advances $0 0.06299% 22.99% F 22.99% $0 $0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
Get 5% Cashback Bonus(R) from July through September on gas, hotels, and admission to theme parks, water parks,
museums, aquariums and zoos with the Get More program. Sign up at Discovercard.com or call 1-800ZDISCOVER
(1-800-347-2683).
Important Information. N doe is more than one page to this billing statement, see the beck of each page for addifionn irrQafant arbrmalion-
See your Cardmember Agreement Your Camkmember agreement contain all the terms of your Account.
Lost or stolen cards. Report kmtedisa ! Cal 1400-347-2683.
Wing Rights Summary. In Case of Errors or Quetixe About Your Bill: If you t ink your bill is wrong, or 9 you need more idorn"m about a transaction on your bi, write us on a
separate sheet of paper at Discover, PO Box 30421. Sall Lake City. UT 84130.0421, as soon as possible. We mast hear from you no later then 60 days after we sent you the fast bill
on which the error or problem appeared. You can telephone has, but doing so will rat preserve your rights. In your letter. give us the Moving Wormidim
You name and Account nurnber
The dollar amount of the suspected error
Describe the error and explain. A you can. why you believe dare is an error If you need more kdormabon. describe the item you are urtsure about.
You do not have to pay any armours in question while we are investigating. NA you are still obligated to pay the parts of your bill that are not in q moon. While we investigate your
questan. wa caeiot repom you as delinquent or take arty action to coped the amount you questicrh.
Special Rag for Credit Card purchases: t you have a problem with the quality of goods or services tat you purchased with a credit card and you have triad in goad felt to caned
the Problem with to merchant, you my not have to pay the rernaning amount due on the goods or services. You have On protection only when the purchase price was more tan
$50 and to purchase was made in your have stale or within 100 miles of your matting address. (ft we own or operate the merchant, or it we mailed you the advetsarerd fa the
good or services, all the pwdhase are covered regardless of the amount or location of the purchase.)
Psymenb. Send only your payment and the lop portion of the statement in the envelop provided. Do not send ash. By sending your dodo as described above, you ata hom us
to use intimation on your dadc to make and ebcimm find bander from you account at the faunal institution irdiated on your duck or to process the payment as a check
transaction. If the payment is processed as an electronic hid twister, to transfer will be for the an o"of Ore deck. When we use Wormabon horn you dada ro mdse an
electronic kind transfer, funds may be withdrawn from your account as soon as the same day we receive your peymerit. and you will not moeiue your deco beck two your finanoall
istrht on.
The.prax csing of your paymarr maybe delayed if ycu send .;ash, mnespandene or other items wilt you payrnent 9 you send tit payment to any otter address of / you use an
envelope other ghat the one provided. Payments received in props form at our processing facility by SPM local tine on any day will be credited to your Accout as of that day.
Payments received at our procesmig Moldy after 5PM foal one will be credited to yourAcmut as of the next day- t you have misplaced you envelope, send yaw payment to
Discover, PO Box 6103. Card Stream, 1.601978103. Please slow 7-10 days for delivery. H your payment is returned unpaid, we reserve the right b resubmit t as an
electronic debt
You can pay your rtWrmm payment or e greater grout over to telephone, and you can set up automatic payments. Cal us at 1400-3472683. You will need tRt statement and
your bark account nformoli t. You must ague to sufficient tends we available in your balk account, and at transactions must comply wilt U.S. law You will be asked to provide
the first 5 digLs of you account stalernent ZIP code. By entering those numbers as your electrmic signature, you will be agreeing to this authavahm b allow us and yaw bat to
deduct each payr erhl you aAhomis from your bank acco ruL and to i diset debt or credit entries to you balk accts, as applicable, lo coned error in the processing of such
payment You must fat us On arras of each payment, or you an select an amont such as ftnnam Payment Due or the New Balance on each statement. You can cancel a
payment, however we met ream notice at best tree Maim days in advance of the scheduled payment. You may notify us by phase at 1400.347-2683 or by mull at the
address tared in the previous peragreph. If your payments may very in amount we wit 14 you on each monthly statement when your payment will be made and how much A will be.
You Mlomatrc payment amount may be lei tan to indicated on the monthly slalernert based on credits or payments applied during the bung cycle.
Credit Reporting. We may report information about your account to credit bureaus. Late payments, missed payments, or other defells an you account may be sellaeed a your
credit report. We rumely report to status and payment history of your Account to oxedd reporting agencies each month. If you believe that ourrepot s iaccute a i conplele,
please we us at the bbwag address: Discover. PO Box 15316. Wdnwgron. DE 196505316. Please include your name, address, horse telephorm number and Account runber.
PERIDDIC FRANCE CHAGES. Periodic Fiancee Charges are imposed on all transactions from the date the transaction is posted to your Account un i the date you pay your entire
New Balance, by making payments or receiving credits. However, we will provide the lotowng'grace period' it you paid the New Balance on you pervious big suderrent by
the Payment Due Date shown on tat statement, and you pay the New Balance by the Payment Due Date on this statement we will not impose Periodic Finance Charges on new
purchases, that is, purchases hat appearing an gas sttemm. Otherwise. you will receive a billing statement next month #at includes Periodic Finance Charges on those new
purchases. Time is no grace period on balance transfers or cash advances.
We sort your transactions lab groups of purchases, ask advances. and balance transfers and then further sat the transactions within each grog by their Amual Percentage Role.
For example purchases subject to e promotional rate and purchases subject to standard rate would be separate grails. We refer to twee gawps as transaction ahegones, At h
end of each biting period, we oonnpue Pen odor Fiance Chages for each day of to billing period for each transaction category. We use to following equator, to cmrpde Pencidic
for each transaction category. Average Daily Balance x rumba of days in the bdtng penod x Deily Periodic Rao. (See the krone doge summary on your statement for toss
arnourits.) Then we add up the Periodic Finance Charges for each transactor category to get to total Periodic Fiance Chagas for your Account The average Daily Balance is
shown as zero if, because of the grace period, no Periodic France Cimagas apply to the balance in a transaction qategay.
We use the Average Daily Balance (inducing new transactions) method of calculating the balance upon which we impose Periodic Fiance Charges. We cornpue the Average Daily
Balance lor each transaction category by adding up all the daily balances in a billing period for a Irahsectm category and dividrg the aft by the number of days n the big cycle.
We ampule to daily balance for each transaction category on each day by fast adding he flowing to to previous day's daily balance. transactions made tat day. fees dialled
gat day and Periodic Fiance Charges accrued on that day. If a transection is posted to you Accent after the doss of the billing period in which it occurs, we will tat the transaction
as having occurred on the first day of the big period in which n is posted to your Account.
AN fe;W gr are added to the standard purchase transaction category with to exception of Cash Advance Trasadion Fee I'ma ce Charges which am added b
t apPYap?_ sdvaae transaction category and Balance Transfer Transaction Fee France Charges wlxdr are added to the appkcable baianw taller taroatim category
When the special rob expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Fiance Charges to the star I phufisse va saefom
category However, 9 the special rate has been terminated under to Default Rte Plan, we leave ice unpaid balance of the balance transfer and the Balance Transfer Transaction
Fee Fiance Charges in the applicable transaction category until the special fate would have expired.
For TDD (Telecommunication Device for the Deaf) assistance, at 1400.347-7449.
Discover may monitor adfo record tNcyFane calls between you and Discover representatives ter quality assurance purposes
The Discover' card is issued by Discover Bank, Member FDIC.
OITBK107
DISCOVER $5Now Balance
,86995
12 SDSN6A01 0005210
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Minimum Payment Due Account Number ending in 1740
3116.00 Enter Amount Enclosed Below
Payment Due Date $
August 11, 2007 Please make check payable to Discover Card or
pay online 0 Discovercord.com.
Go paperless and make your account
information more secure with password-
protected statements only you can access.
Learn more at discover con4paperless.
PO Box 71084 111rrrll...rrrllrrl.llrr.ll
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space L.1.11111111111111111oilIII11111ofIIIIIIIIIIII1gill 111111to11
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
00000198645814674208105869950012000001160D
Discover More Card Account Summary
Closing Date: July 12, 2007 page 1 of 1
Account number ending in 1740 Previous Balance $5,901.38
Payment Due Date August 11 2007 Payments And Credits 120.00
Minimum Payment Due $116.00 Purchases + 0.00
Credit Limit $11,500.00 Cash Advances + 0.00
Credit Available $5,630.00 Balance Transfers + 0.00
Cash Credit Limit $5,800-00 Finance Charges + 88-57
Cash Credit Available $5,630.00 _
New Balance = $5,869.95
rou moy be able to avoid Periodic Finance (tx,rges, see the
reverse side for details.
Cashback Bonuse Opening Cashback Bonus Balance $ 5.14
New Cashback Bonus This Period + 0-00
Cashbadc Bonus Balance $ 5.14
Coshbock 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 % Cashback
Bonus on all your other purchases.
How Can We Help 1 Visit Discover corn to pay your bill for no cost, view your
P YOU 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 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 Soft Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Date Date
Payments and Credits Jul 4 Jul 4 PAYMENT THANK YOU $ 120.00
Finance Charge Summary
Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01616%; corresponding ANNUAL PERCENTAGE
R,SRate is subject to the terms of the offer including expiration.
Nominal Transaction
Average Doily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Balances Rates RATES RATES CHARGES CHARGES
current billing period: 30 days
Purchases $5908.27 0.04997% 18.24% V 18.24% $88.57 $0
Promotional Purchases $0 0.00521% 1.90% F 1.90% $0 $0
Cash Advances $0 0.06299% 22.99% F 22.99% $0 $0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
Manage your account your way - whether you prefer to speak with a live person or manage it on your own, Discover(R)
Card has the right account management options for you. Visit Discovercord.com or call 1-800DISCOVER
(1-800-347-2683).
Impglard information. If Owe is more than one page to this billing statemerd, seethe beck o leach page for additional important adamatiat. cn
See your Cadromber Agreement You Cerdmember agreement contains all the terms of your Account z
Lost or stolen cards. Report nmediately! Call 1 SO347-2683. D
0
Biting Rights Summary. In Casa of Furors or Questions Abaft You BA: If you twik you bill is wrong. or if you need more nfonnaGOn about a transaction on your bi, voile in on a
seperale steal of paper at Discover, PO Box 30421, Soh Lake City, UT 841300421, as soon as possible We must hear from you no later than 60 days after we said you to first bill
0
0
an which the army or problem appeared. You can telephone us, but doing so will not preserve your rights. In your Ider. give hs the following information. N
0
• You creme and Account msnber
The dollar amount of the suspected emo
Describe ire error and explain, A you can, why you believe there is an error . II you need more information. describe the item you are unsure about.
You do not have to pay any amount in question white we are investigating, but you are still obligated to pay the pads of you bill that are not in question. Wlie we inwsfgalle your
we carat repOn yen is delsiop a i tail are 2MQ in r OL,%,1 the wrtM,= qua (MStia.
Special Rah for Credi Card Puchaaea: If you have a problem with the quality of goods or services that you purchased with a as& card arid you have bW in good faith to correct
the problem with Ow merchant. you may not have to pay the remaining amount de on the goods or services. You have this protechon only when the purchase price was more icon
$50 and the purchase was made in you home state or within 100 miles of your mailing address. (0 we own or operate the merchant or it we mailed you the advertisement for the
good or services, all the purchase, are covered regardless of the amount or location of the purchase.)
Payments. Send only you payment and the top potion of the statement in the envelop provided. Do not sad cash. By sending yea cheek as described above. you authorize nor
to use information on your clwce to melee and electronic kid transfer from you account at the financial nstiwWn indicated on you dedu or to process the payment as a chard;
transaction. 0 One payment is processed as an electronic fund trawler, the transfer wi be for to amount of to dhede. When we use information from your dude to make an
electronic fund transfer, funds may be withdrawn from you account as soon as the same day we receive your payment, and you will not receive you made bad nom you linavial
i
sthwi
n
The processing of you payment maybe delayed 4 you send cash, conespondenoe or.000 items wthyou payment. 4 you send the payment to any other address ord you use an
envision odm then the one provided- Payments received in proper form at our processing fatty by 5PM local time on any day will be credited to you Accord as of that day.
Payments received at our processing facility stir 5PM local tone will be credited to yorAaeunt as of the next day t you have misplaced your erwalope. send your payment to
Discover, PO Box 6103, Card Stream, It. 60197-3103. Please allow 7-10 days for delivery. t you payment is returned upad, we reserve the right to resubmit t as an
electronic debt.
You can pay your mninwn payment or a greater aroud over the telephone, and you can set up automatic payments. Cal us at 1 X003472683. You will need this statement and
you bank accent information. You must ensue that surfliumt fads are available in you bank account, and all transactions must comply with U.S. law. You will be asked to provide
Oe fast 5 digits of you account statement ZIP code. By entering those embers as you electronic signature. you wig be agreeing b this authorization to slow us and your bade to
deduct each payment you author ze from your bank account, and to initiate debit or credit entries to you bank aooaaH, as applicable, to correct error n the processing of such
payment. You must tell us the amount of each payment, or you can select an amount such as Minimum Payment Due or the New Balance on each seleramt You an canal a
payment, however we must receive notice at least free business days in advance of the scheduled payment. You may notify us by phone at I-M347-2683 or by Mal at the
address listed in the Vans paragraph. It you payments may very in crows we will bah you on each monody statement when your payment will be made and taw much it will be.
Your Aubrnatic payment amount may be less ter the ihdiraled on Oe monthly statement based on credits or payments applied during the biting cycle.
Cre& Reporting. We may report tribmahm abut your accourd to credit bureaus. Lae payments. missed payments. or other detatdg on your account may be reflected in your
credit report. We normally report the statrrs and payment history of you Account to credit reporting agencies each month. If you believe that our report is rhecctseaa or noanpiee.
pease write us at the following address: Discover, PO Box 15316, Wilmington, DE 196505316. Please include your name, address, home telephone number and Account number.
PERIODIC FftKE CHAGES. Periodic Finance Charges are imposed on all transactions from the date the transaction is posted b your Account until the data you pay you entire
New Balance, by making payments or receiving credits. However, we will provide the following "grace period' 0 you paid One New Balance on your perviars tilling statement by
the Payment Due Date shown on that stale ent. and you pay the New Balance by the Payment Due Date on this statement we will not impose Pe iobc Fierce Charges on new
purchases, that is, purchases first appeaing on this, statement Otwwise, you will receive a billing statement next mash that includes Periodic Finance Charges on terse new
purchases. Time is no grace period on balance sasfrs or cash advances.
We sat you hansadiahs ido groups of purchases, ash advances, and balance transfers and ten hater son to transactions witch each group by Char /camel Percentage Rate.
For example purchases subject to a promotional rate and ptrcuses subject to standard rate would be separate groups. We refer to these groups as tansecbar categories, At One
end of each biting period. we compute Periodic Finance Charges for each day of the billing period for each transaction category We use to blowag equation b con pule Periodic
for each transaction category Average Daily Balance x number of days in Ow billing period x Daly Periodic Rate. (See the finance charge summary on you stshemrrl for two
amounts.) Then we add up the Periodic Finance Charges fx each transaction category to get the total Periodic Finance Charges for your Account The average Daly Balance is
shown as zero t, because of the grace period, no Periodic Finance Charges apply to the balance in a transaction category.
We use to Average Daily Balance (including new transactions) method of calculating the balance rpm which we impose Periodic Finance Charges. We compute ft Average Daily
Balance for each transaction category by adding up all the daily balances in a biting period for a transaction category and dividing the total by the rumba of days in to billing cycle.
We conptae tie daily balance for each transaction category on each day by first adding the k lownng to the previous day's daily balance. transedrons made dud day, fan chaged
Out ray and Periodic Fnarce Charges accrued on that day. If a transaction is posted to your Account after the dose of the biting period in which it oarrs, we will treat the transaction
as having occurred on the first day of the bi ig period in which h is posted to your Account.
fea4S&=out are added to the standard purchase transaction category with the exception of Cash Advance Transadon Fee Finance Charges which are added to
Al ?
to appliceble cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable balance trarstar transaction category.
When the special rate expires, we trove the unpad balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges b the standard prdmase, transaction
category. However, if the special rate has been terminated under the Default Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction
Fee Finance Charges in the applicable transaction category unit the special rate would have expired.
For TM (Telecommunications Device for the Deaf) assistance, cat 1400.347.7449.
Discover may monitor ardlor record telephone cats between you and Discover representatives for quality assurance purposes
The Discover* card is issued by Discover Bank, Member FDIC.
OlTBK107
VER New Balance
D' i Minimum Payment Due Account Number ending in 1740
$5,841.02
J\r $115.00 Enter Amount Enclosed Below
Payment Due Data $
September 11, 2007 Please make check payable to Discover card or
pay online 0 Discovercard.com.
12 SDSN6A01OD05211
DOUGLAS ROSS
Gopaperlessandmake your accorstt
information more secure with password-
SERLA ROSS pprrotected statooments only youcanaccess.
510 LAMP POST LN Lim more at discovercomlpaperless.
CAMP HILL PA 17011-1429
PO BOX 71084 111 go 11I Iloilo
CHARLOTTE NC 28272-1084
Address, e-mail or telephone charge? Print change in space (n(r((n(rn(r((nr(n?r(nr(?(?nr(n?n(n((u(u?u?n(n?(
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458146742081058410200120000011500
Discover More Card Account Summary
Closing Dale: August 12, 2007 peg. 1 of 1
Account number ending in 1740 Previous Balance $5,869.95
Payment Due Date September 11, 2007 Payments And Credits 120.00
Minimum Payment Due $115.00 Purchases + 0.00
Credit limit $11,500.00 Cash Advances + 0.00
Credit Available $5,658.00 Balance Transfers + 0.00
Cash Credit Limit $5,800.00 Finance Charges + 91.07
Cash Credit Available $5,658.00 New Balance $5,841.02
- - You be-a..ls f4 avoid Financsr f_'hc-gee the
reverse side for details.
Coshback Bonuse Opening Cashbock Bonus Balance $ 5.14
New Coshbock Bonus This Period + 0.00
Cashback Bonus Balance $ 5.14
Coshback BonusO Anniversary
Month: June
Cashbock Bonus(R) is America's #1 Cash
Rewards ProgramI Full 5% Cashback Bonus
on Get More purchases in popular categones
throughout the year and up to I% Cashback
Bonus on all your other purchases.
How Can We Help You? 1 Visit Discover eem to pay year 69 for no cod, view your
latest Account information, earn and redeem rertwrds and more
It's your choice - 3 ways to help 2. Call 1-8004DISCOVER (347-2683) for fast, easy sellLservice
options or to speak with a Customer Service Account Manager
Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943,
For MD (assistance for hearing impaired) we reverse side Salt Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Date Date
Payments and Credits Aug 4 Aug A PAYMENT THANK YOU $ 120.00
Finance Charge Summary
Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01616%; corresponding ANNUAL PERCENTAGE
896641% Rate is subjed to the terms of the offer including expiration.
Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Bolanees Rates RATES RATES CHARM CHARGES
current billing period: 31 days
Purchases $5879.25 0.04997% 18.24% V 18.24% $91.07 $0
Promotional Purchases $0 0.00521% 1.90% F 1.90% $0 $0
Cash Advances $0 0.06299% 22.99% F 22.99% $O $0
The rates that apply to your Account are either fixed (F) or they may vary m as noted above.
Manage your budget, track your spending and avoid fees with FREE timely e-mail reminders. Learn more about e-mail
reminders and other easy online account management options at Discovercard.com/reminders
Important Information. If there is more than one page to this billing statement, we the Dade of each page for additional important Wonnation. p
See your Cardmembar Agreement Your Cardmanber agreement contains all the tem s of your Acowt z
Lost or stolen cards. Report iurediaelyri Cat 1-004347-2663. o
Billing Rlghfs Summary. in Case of Enna or Questions About Y= Bit: I you twit your lid is wrap, or if you need more idon. on about a transaction on your bill, wnte us on a p
o
separate sheet o (paper at Discover. PO Box 30421, Sak Lake City. UT 84130.0421, as soon as possible. We must hear from you no later than 60 days after we sent you the fret bill
on which the error or problem appeared. You can telephone us, but doing so will not preserve you rights. In your letter. give us the k>Aowir g nfoma6orr h`
You name sad Account number
The doper amount of fie suspected an%
Describe the era and explain. t you can. why you believe tare is an error. I you need more ntamafah describe the item you are issue about
You do not hate to pay any amount in question while we are nvestigai g, but you are still obligated to pay to pacts of you bill that are not in question. White we investigate your
Gcne^+icy:,±,er viv-- _ .ud4w..witn°taLeanyall!rnncolledtheamamt?n-dgwsnon_ .,.. - ..__ - _. - - ,•---_^?
Spacial Rork for Credit Card Purchases: N you have a problem with the quality of goods of services tat you p ichased with a credit raid and you have hod in good pith b cored
the probkmwith the merchant you may not have to pay the remaining amount due on the goods or services. You have this protection only when tla purchase price was more tan
$50 and the p rc hese was made in you tonne state or within 100 nibs of your rnaifrog address. (11 we on or operate the merchant, or 9 we marled you the advarfsanenf for the
good or services, all the purchase are covered regardless of the amount or location of the purchase.)
Payments. Said only your payment and the top portion of the statement in the envelop provided. Do not sent cash. By sending you dads as described above. you arYorae us
to use information on you dhedt to make and eledraw fad transfer from you aceeurd at the financial institution adicaled on your check or to process to peyeent as a erect
transaction. If the payment a processed as an electronic lend transfer, the traraler will be for the amount of the die&. When we use information from your check to make an
tdecnxhic kid transfer. leads may be withdrawn from you account as soon as the same day we receive your payment, and you coif not receive your dhedt lurk from you financial
istiAtiort
The p icessing of your payment maybe delayed if you send cash.comespondw-e-or do dents wdlb;our peyctatt, 9 you send thepa rent to any other address or 9 yathse an
envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local fire on any day will be credited to ywAcooW as all that day.
Payments received at our processing facility after 5PM local time will be credited to your Aaad as of the next day 6 you have misplaced your envelope, send you payment o
Discover, PO Box 6103, Card Stman, IL 60197-6103. Please allow 7-10 days for delivery. If your payment is retired unpaid, we reserve the right to resubmit t as an
electronic debit.
You can pay your minimum payments a greeter amount over the telephone, ad you can set up artomake payments. Call in at 148043412663. You will reed in siiftner t and
your bank sooast tdamation. You must ensue that sufficient fads are available in your bank aoomm. and all transactions must corhply with U.S. km You sit be sallied to provide
the first 5 digs of you account statement ZIP code. By erneni g those sabers as your electoricsgalin. you will be agreeug to this authorization to allow us and your beak to
deduct each payment you authorize from you beds amount. end to initiate debt or credit entries to you beale account, as applicable, to correct era in the procesarv of suedh
payment. You no del us to amount o (each payment, or you can select an amount such as Minimum Payment Due or the New Balance on each stakes" You can cancel a
payment, however we trust restive mum at least tree business days in advance of the scheduled payment You may toffy us by phone al 14M347-2663 or by mail at the
address IeMd in Ina previous paragraph. I your payments may vary in amount we will tell you on each montty stakrert when your permit will be made and taw nadh a will be.
You Automatic payment amen may be less them to indicated on the monthly statement based on credits or payments applied during the hiding cycle.
Credit Reporting We may report information abort your somut to credit bureaus Late payments. missed payments, or other ddatls on your account maybe reterled n your
aedt report. We normally repot to stabs and payment history of your Account to credit reporting egertdes each math. N you believe that our report a traavade a irnconplele,
please write us at the followeg address: Discover. PO Box 15316, Wikwglo n, DE 198505316. Please include you name, address, hone telephone amber arid Account umber.
PERIODIC FINANCE CHAGES. Petals; Fence Charges are imposed on aN transactions from the date the transaction is posted to your Account waft to data you pay Your entire
New Balance, by making payments or receiving credits. However, we will provide the tdlowmg "fgaee period" 9 you paid the New Balance on your pervious bitig statement by
the Payment Due Date shown on that statement, and you pay to New Balance by the Payment Due Oak on this statement we will not inpase Periodic Finance Charges on new
purl aces, that is. purchases fast appemng on the slataent Otherwise, you will receive a billing statement next month Owl includes Periodic Fiance Charges on those flew
purchases. There is no grace period on balance transfers or cash aduaoes.
We sort your hansedias into grails of Purchases, cash advances, and balance transfers and then further sat the transactions within each grail by tharAnnual Percentage Rate.
For example purchases subject to a promotanal rate and purchases subject to standard rate would be separate groups. We refer to these groups as transaction cakgaies, At the
end of each billing period, we camprta Perak Fiance Charges fix each day of the billing period for each bansactat category . We use ins foil e9a6an to compute Periodic
for each transaction category. Average Daily Balance x amber of lays in the Wing period x Daily Periodic Rik. (See the fiance large summary on your stsionaa or these
amorous) Than we add up the Periodic Fiance Charges or each transaction category to get the total Periodic Fiance Charges toryou Account The average Deily Balance is
stiow as zero it, because of the grace period, no Periodic Finance Charges apply to the balance in a transaction category.
We use to Average Daily Balance (including new traraechora) method of calculating the balance upon which we impose Periodic Finance Cages. We compute theAveraga Defy
Balance for each hanswhon category by adding up d the deity balances in a billing period for a transaction category and dividing the total by to nunhber of days n Oa-billing cycle.
We ampule tla daily balance or each transaction category on each day by first adding the Noveg to the previous days daily balance, transactions me& that day, leas charged
that dayr and Perodic Faeroe Charges accrued on tat day Na transaction is posted o you Accout attar the dose of the billing period in which t occurs. wewill teat the trsnsecion
as having occurred on the lest day of the billing period in which t is posted to yo rAccomm.
AN fees we added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance (urges which we added to
the appf advaioe taaactim category and Balance Transfer Transaction Fee France Charges which are added to the applicable balance transfer transadon category.
When to special rate expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges o the smrdad purchase transaction
category However, t the special rate has been terminated under to Default Rate Ran, we lava the unpaid balance of the balance transfer and the Balance Trawler Transaction
Fee Finance Charges in the applicable transaction category until the special rate would have expired.
For TOO (Telecommunications Device for the Deaf) assistance, call 1400-347-7449.
Discover may montor ardMr record telephone calls between you and Discover representatives for quality assurance purposes
The Discover" card is issued by Discover Bank, Member FDIC-
01TOK107
New Balance
DISC("VEI $11,350.51
12 SDSN6A01 0005212
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Minimum Payment Due Account Number ending in 1740
$225.00 Enter Amount Enclosed Below
Payment Due Date $1
---?
October 11, 2007 Please make check payable to Discover Card or
pay online Q Discovercard.com.
Address, e-mail or telephone change? Print change in space
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
Go paperless and make your account
Information more secure with password-
protected statements only you can access.
Learn more at ntscover comompertews.
PO BOX 71084 111 evil Is 1111111111121111111
CHARLOTTE NC 28272-1084
?nlh?lnlhnlr?lnhlnlhlnh(??Inhlnln?ollnlnlnlrlul)
00000198L458146742081113505100200000022500
Discover More Card Account Summary
Closing Date: September 12, 2007 page 1 of 2
Account number ending in 1740 Previous Balance $5,841.02
Payment Due Date October 11, 2007 Payments And Credits 200.00
Minimum Payment Due $225.00 Purchases + 0.00
Credit Limit $11,500.00 Cash Advances + 0.00
Credit Available $149.00 Balance Transfers + 5,500.00
Cash Credit Limit $5,800.00 Finance Charges + 209.49
Cash Credit Available $149.00 New Balance - $11,350.51
Y';? mo y b a ?51e tra o•« ?. c!, aF,,, r ?.I+ahg , e&a 4",
reverse side for details.
Cashback Bonuse
Cashbock 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 % Cashbock
Bonus on all your other purchases.
Opening Coshback Bonus Balance $ 5.14
New Cashbock Bonus This Period + 0.00
Cashback Bonus Balance $ 5.14
How Can We Help You? I Visit Discover corn to pay yaar b? for no co*, - '" 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, eosy 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 Sale Lake City, UT 84130
Transactions
Payments and Credits
Balance Transfers
$0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Pest
Date Dab
Aug 29 Aug 29 PAYMENT THANK YOU $ -200.00
Aug 21 Aug 21 BALANCE TRANSFER CHECK 0454 5,500.00
Aug 21 Aug 21 BAL TRANS TRANSACTION FEE FINANCE CHARGE 99.00
APR 5.90% EXPIRES Ol /2010
8966465
Important Indornwition. t toe is more therm one page to this biting statement, see the beck of each page for additional inprxtant inom,atiam. in
See yore Cardmember Agreement Your Cardmember agreement contains d the terms of your Account. En
Lost or stolen cards. Report immediately! Cal 1-600.347-2663. o
0
Biting Rob Summary. In Case of Errors or Questions About Your Bill: If you think your bill is wrap, or if you need more inlormafon about a transaction on Your be, write ns on a 0
separate street of paper at Dover: PO Box 30421, Sale Lake City, UT 64130-0421, as soon as possible. We must hear from you no later than 60 days after we sent you the last bit o
on which to erns or problem appeared. You can teephhane us, but doing so will not preserve your rights. I your leper, give us the blowing information: N
Your name and Account number
The dollar amour old* suspected ana `t
Describe to error and exptan, if you can, wtr7 you believe 9tere is an error. If you need more ihformabon. describe the item you are unsure about
You do not have to pay any amount in question while we are ihvesbgs". but you are sWl obligated to pay the parts of your bill that are not it question. While we investigate your
goxrior>..whit:nnx,aeixtvoasdahirnlnc:ntor, tafeany.actionto oo0sisye.:r,c.roycr:?;?euM,. -.-_.-
Spacial Rork for CrWk Card Purchases: It you have a problem with the quality or goods or services that you purchased wlln a credit card and you nave tried n good kith b coned
the problem will the merchant you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase pace was mote smart
SW will the parfiase was made in your home skis or wittit 100 miles of your mading address. (9 we own or operate the merchant, or d we nailed you the advertisdtient for the
good or services, at the purchase we covered regerdess of the amount or location of the purchase.)
Payments. Send only your payment and the top portion of the statement it the envelop provided. Do not send cash By sending your dock as described above. you authorize us
to use sdor mahon m your check to make and eleatim l ud transfer from your account at ire financial inshluuon indicated on you ch" or to process the psysmorw as a dad
transaction I the payment is pi aced as an dectransc find transler, the transfer will be or the amount of the cede. When we use mlo nraliam from your hie I to make an
electinow fund transfer, funds may! be withdrawn nom you account as soon as the same day we receive you payment ad you will not receive yak check bast Ill= your financial
irestiltnon.
The processing of your .pelmle d maybe delayed it you send cash, conrespatdenoe or other Mm with youir payment it you send to peyrnwil to any otter auf?ator ifyou r se w
envelope other than to one provided. Payments received in proper form at our processing la sly by 5PM local fine on arty day will be credited to your AomM as of IW day.
Payments received at our processing facility after SPM local time wil be credited to your Aorari as of to next day If you have mispkad your envelope. sad yak peymera to
Discover, PO Box 6103, Card Stream, IL 60197-6103. Please allow 7-10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit 0 as an
elecaaso debit.
You can pay your mavmum payment or a grater arrant over the telephone, and you can set up automatic payments. Cat us at 1-000-3472663. You will need Iris staknted and
your baaik amount information. You mist ensue that stMioeri funds are available in your bank aomud, and at transactions mist comply with U.S lac. You wit beasked to provide
the fast 5 dgils of you account statement ZIP cads. By entering those numbers as your elactrone signahre, you writ be agreeing to this suMor¢abon to dow us aid your belt to
deduct each payment you st twnae corn you hank amount, and to irtiate debit or credit entries to your bank account, as applicable, to correct error in the processing of such
payment. You must tell us de arrwrt of each payment. or you can select an aoam such as Vmwnun Payment Due or the New Balance on each MaWment. You car cancel a
payment, however we not receive notice a least fine bnainess days in advance of the scheduled payment. You may notify us by phone at 1-NO-347-2683 or by mad at fie
address Wed in the previous paragraph. If your payments may vary in amount we will let you on each nwft statement when your payment will be roads and how much it will be.
You Automatic payment amount may be k'%theh the ihdrated on the monthly statement based on aedb or payments applied during rte billing cycle
Credit Reporting. We may report irdommarion abort your acoawi to ceedd bureaus. Lae payments, missed payments, or other defaults on you accoum may be releaed in your
credit report. We normally report the ebkts and payment history of you Account o as(* reporting agencies each month. If you believe that our report is nsoaaale our iwanplele,
please write us at the following address: Discover. PO Box 15316, Wilmington, DE 19850-5316. Please include your name, address. home telephone number andAccount number.
PERIODIC FINANCE CNAGES. Periodic Finance Charges are imposed on at transactions from the date the transaction is posted to your Account unW the date you prey your woe
New Balance, by making payments or receiving credits. However, we will provide the following "grace period- 0 you paid the New Balance on your pervious bikg stmernemt by
the Permit Due Data shown on OW dateme t, and you pay the New Balance by the Payment Due Date on In statement we vat of impose Periodic Fiance Charges on now
purchases, that is, purchases fiat appeamg on On statement Otetwise. you wl restive a billing statement next month that includes Periodic Fiance Charges an twee new
purchases. There is no grace period on baletoe transfers or cash advances.
We sort your transsdions into grails of purchases, dash advances, and balance transfers and then further sort the transactions within each group by their Annual Parentage Rae.
For example purchases subject to a pranoliatal rate and purchases subject to standard rate would be separate gaups. We refer to these groups as transaction cahego ies. At the
end of each tiling period, we eompuie Periodic France Charges or each day of the bdkng period fa each transaction category. We use the folowirg equaimto eonpuie Pentift
lot each transaction category Average Daly Balance x number of days in the bring period x Daily Perak Rate. (See ire finance charge summary on your statement for these
accounts.) Then we add up the Periodic Finance Charges or each transaction category to get the total Periodic Finance Charges for you Account. The average Deily Balance his
shown as zero 4, because of the grace period, no Perak: Finance Charges apply to the balance in a transedion category.
We use to Average Daly Mina (arkrdig new transactors) method of calaiatig the balance upon which we impose Periodic Finance Charges We eonmpule theAwerage Daly
Balance for each transaction category by adding up all die daily balances in a being period for a transaction category and dividing tie total by the number oldays shthe bing cycle.
We compute the daily balance for each transaction category on each day by first adding die fotnheilg to de previous days daily, balance. harsactions made tat clay, lass charged
that day and Periods Finite Charges sooued on that day la transaction is pouted to your Aocourd after the close of the biting period in which it oocuis, we will treat to eahsocoon
as having occurred on to first day of the billing period in which it is posted to your AocmmL
All y ad are added to the standard purchase Mmsacbon category with the exceplion of cash Advance Transaction Fee Finance Charges which are kidded to
the appTicaTile cash kanssdav category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable balance transfer transaction category
When the spatial rate expires, we move the unpaid balance of the balance transfer and the Balance Transkr Transaction Fee Finance Charges to the standard purchase transaction
category - However. if the special rate ins hem le msated under the Default Rate Plan, we lave the unpaid balance of the balance transfer and the Balance Tmnster Transaction
Fee Finance Charges in the applicable transaction category until the special rate would have expired.
For TOO (Telecommunications Device for the Dest) assistance, al 1$00.347-7449.
Discover may monlor adlor record telephone calk between you and Discover representatives for quaky assurance exposes
The Disgover4i card is issued by Discover Bank, Member FDIC.
01TBK107
DISC VER
Pets DOUGLAS ROSS
WCI®VER Account number ending in 1740
Go green. Go paperless.
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02010 Discover Bank, Mw6. FDIC
Oa
PPWAN_0810
Closing Date: September 12, 2007 page 2 of 2
Finance Charge Summary
Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01616%; corresponding ANNUAL PERCENTAGE
RATE: 5.90%. Rate is subject to the terms of the offer including expiration.
8966465 Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FINANCE FWANCE
Balances Rates RATES RATES CHARGES CHARGES
current billing period: 31 days
Purchases $5787.90 0.04997% 18.24% Y 18.24% $89.66 $0
Promotional Purchases $0 0.00521% 1.90% F 1.90% $0 $0
Cash Advances $0 0.06299% 22.99% F 22.99% $0 SO
Balance Transfers $4161.48 0.01616% 5.90% F 26.14% $20.83 $99.00
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
DISCOVER $11,211.75
12 SDSN6A010005213
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Minimum Payment Due Account Number ending in 1740
$223.00 Enter Amount Enclosed Below
Payment Due Date $ 11
November 11, 2007 Pleose make check payable to Discover Card or
pay online 0 Discovercard.com.
Go paperless and make your account
information more secure with password-
protected statements orgy you can access.
Learn more at discover onipaperless.
PO BOX 71084 111.11 111 ifIIII
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458146742081112117 500250000022300
Discover More Card Account Summary
Closing Date: October 12, 2007 page 1 of 1
Account number ending in 1740 Previous Balance $11,350.51
Payment Due Date November 11, 2007 Payments And Credits 250.00
Minimum Payment Due $223.00 Purchases + 0.00
Credit Limit $11,500.00 Cash Advances + 0.00
Credit Available $288.00 Balance Transfers + 0.00
Cash Credit Limit $5,800.00 Finance Charges + 111.24
Cash Credit Available $288.00 New Balance 11.75
$11,2
;,0. 'u-41 . kf9 "C ``
IfK.''h*?1fi,rye,S, _xQ)f"TI Wi
J
reverse side for details.
Cashback Bonuse Opening Cashbock Bonus Balance $ 5.14
New Cashback Bonus This Period + 0.00
Cashback Bonus Balance $ 5.14
Coshbock 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 I% Cashback
Bonus on all your other purchases.
How Can We Help You? 1 visit Discover carry to pay your bill for no test, "°'"yo r
latest Account information, cam and redeem rewards uand 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 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
Date Data.
Payments and Credits Oct 8 Oct 8 PAYMENT THANK YOU $ -250.00
Finance Charge Summary
Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01616%; corresponding ANNUAL PERCENTAGE
RATE: 5.90%. Rate is subject to the ferns of the offer including expiration.
8966465 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 $5771.25 0.04860% 17.74% V 17.74% $84.14 $0
Promotional Purchases $0 0.00521% 1.90% F 1.90% $0 $0
Cash Advances $0 0.06299% 22.99% F 22.99% $0 $0
Balance Transfers $5591.32 0.01616% 5.90% F 5.90% $2710 $0
The rates that apply to your Account are either fixed (F) or they may vary M as noted above.
Wish you could sort these purchases by amount, description or category? You can - register at Discovercard.com to view
your purchases online as far back as 12 months. Learn more at Discovercard.com/purchases
Important Information If Owe is more than one page to this bfi g statement, we the bads of each page for additional important idormnion. U)
See your Cardmember Agreement Your Cardmamber agreement contains all the terms of your Account. z
Lost or stolen cards. Report immrlietelyl Cat 1-800,347-2683. o
Biting Rights Summary . In Case of Errors or OuesbonsAboul Your Bi: If you lank your bit is wrong, ort you need more stdortnabon about a transaction en your bi, write us on a °o
separate sheet of paper at Discover. PO Box 30421. Sak Lake City , UT 84130-0421, as soon as possible. We must hear from you no later than 60 days after we sent you the lest bill N
on which to an%or problem appeared. You can telephone us, but doing so will not preserve your rights. In you leter• give us the following idcrmabon N
You name and Account Purnber
The dollar amount of the suspected error `r
- Describe fie em or and mom, if you can. why you believe tree is an error. N you need more nformahm. describe the darn you are unsae about.
You do not have to pay any amount in question while we are investigating. but you am still obkgated to pay the pats of your bit that we not in question. WNe we nvestigae your
- wr,<a?::x? w;..vw,r,Jerxh+!'?:rsesdeSraµas++taMake.myartor.W:,otectlhoaax .nly:wqu:::'a+ ..__.-. _ ,_:?_ ...- -...-_. _. - -
Spacial Rabe for Cfidt Card Purchases: N you have a problem with to quality of goods or services that you purchased with a credit card and you have Vied in good faith for oarecx
the problem with to mrdwrd, you may not have to pay the remansg arrant due an the goods or services. You have this protection only when the purchase price was more tun
$W and to purchase was made in yaw home stda or within 100 miles of your meing address. (N we own or operate the merchant, or d we mailed you be advarksennent for the
good or services, all the purchow are covered regardless of ton arrow or location of the purchase.)
Payments. Send only you payment and the top portion of the statement in the envelop provided. Do rot send cash. By sen&V you check as described above, you autnaize us
to use information on your check to make and electronic had transfer from your amount at the financial institution indicated on you check or to process the payment as a deck
hanse Lien. N the payment is processed as an electronic hid transfer, the tender will be br the amaet of the cce& When we use information from your dhedt to make an
eledrom a hnd transfer, hinds may be withdrawn him you account as soon as the same day we receive your payment, and you wit not receve your clock bads from your li anclal
institution.
The pro-vag of you payment maybe delayed d.you.-4 cash, atrespatdence or other Hems with your payment if your sand tie yay+naM p any egter address or 0 you use an
envelope other than the one provided. Payments received in proper form at our processeg buY1y by 5PM local time on any day wt, be credited to you Amount as of that day.
Payments received at our processing faulty after 5PM local time will be credited to your Amount as of the next day. It you have mop" yam envelope. send your payment b
Disc v , PO Box 6103, Cad Seam, IL 60197-6103. Please allow 7-10 days for delivery- N your payment is returned unpaid, we reserve ton right to resubmit A as an
electronic debt.
You can pay your mi ersu m payment or a greater attest over the tataptmone. and you can son up suametic peymeras. Cat us M 1-800.3472683. You will need do statement and
your bads account information. You must ensure that sufficient hails are available in your bent account, and at transactions must comply with U.S. lam. You wit be asked to provide
the test 5 digits of you account sidement ZIP code. By entering dose numbers as your electronic signrabee, you will be agreeing to to authorization to alas us and your bank to
deduct such payment you suha¢e from your bent account, and to iriliste debit or credit entries to you bank amount, as applicable, b erred error Pthe processing of such
payemhet You must lot us the amount of each payment, or you can select an amount such as Wreirr ern Payment Due or the New Balance an each statement You can cancel a
payment, however we matt receive nice at least three business days in advance of the scheduled payment You may nobly the by phone at 1-800.347-2683 or by coal at the
address listed in the previous paragraph. N you payments may vary in amount we wt, tel you on each mashy statement when your payment wt, be made and how mach t will be.
Your automatic payment amount may be less then the irdncaled on the mouthy s trim based on crafts or payments applied during the bung cycle.
Credit Reporting. We may report information abort your acaunl to credit bureaus. Lae payments, mussed payments, of otter d elautte on your account may be reflected in your
credit report- We normally report the stshas and paymmmeN history of your Awaml to credit repor" agenaes each month. If pat believe that our report is inaccurate, or incomplete,
please wMe us at the following address: Discover, PO Box 15316, yYrnangbn, DE 198505316. Please include your name, address, hone telephone number and Account comber.
PERIODIC FINANCE CHAGES. Periodic Finance Charges are imposed on at transactions from the date to transaction is posted b you Acoix" until the date you pay your entere
New Balance, by making payments or receiving craft. However. we wt, provide the following 'grace period' If you paid the New Balance on you pervious MNng statement by
the Payment Due Date shown on VW statement, and you pay the New Balance by the Par" Due Date on this statement we will not impose Periodic Fiance Charges on new,
purchases, that is. purchases fistapperig on this statement Otherwise. you will receive a billing statement next month that includes Penoda Finance Chagas on those new
purchases. There is no grace prod on balance transfers or cash advances.
We sat your transactions into groups oil purchases, cash advances, and belanoe transfers and then further sat the transactions wittin each group by their Annual Percentage Rate.
For example purchases subject to a promopanal tale and purchases subject to slonnderd rate would be separate groups. We refer to these grays as transaction categories. At to
end of each bisg period. we compute Penade Finance Charges lot each day of the bung period for each transaction category. We use to following equation to compute Periodic
for each transaction category . Average Deily Balance x number of days in de Ming period x Daly Periodic Rate. (See the finance charge summary on your statement forth so
amouds ) Then we add up the Periodic Fiance Ctorges for each transaclon category to gel the total Periodic Finance Charges for your Amount The average Daily Balance is
shown as zero d, because of the grace peed, no Penod?c Finance Charges apply to the balance in a transaction category.
We use ft Average Daly Baance Indudig new transactions) me8ad of calculating the balance upon which we impose Periodic Finance Charges We ampule the Average Daily
Mten a for each transactions category by adding up all to daily balances in a billing period for a transaction category and dividng the total by the umber of days in to bang cycle.
We compkde to ditty balance for each transaction category on each day by first adding de allowing to to previous day's daily balance. transactions made that day, fees charged
that day and Periodic: Finance Gorges accrued on Mai day N a transaction is posted to your Account after the dose of the Ming period in Mich it occurs, we wt, treat the transaction
as having occurred on the fast day of the MM period n which t is posted to your Account.
All fser80"466=ount are added to to standard purchase taxsaclion category with to exception of Cash Advance Transaction Fee Fiance Charges which are added to
die applicable cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable bdamce transfer hansecim category.
When to special raw expires. we move the tnpod balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction
category However, duo special rate has been terminated under the Default Rate Plan, we leave the unpaid balance of to balance transfer and the Balance Tiarsk r Transaction
Fee Finance Charges in the applicable transaction eategey unto the special rate wall have exiled.
For TDD {Telecommunications Device for the Deafl assistance, cat 1.800.347-7449.
Discover may monitor and/or record telephone calls between you and Discover representatives for quabty assurance Purposes
The Dismuers card is issued by Discover Batt, Member FDIC.
OITBK107
DISC NER New Balance
$10,826.60
12 SDSN6A01 0005214
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Minimum Payment Due Account Number ending in 1740
$217.00 Enter Amount Enclosed 81b
Payment Due Date
December 11, 2007 Please make check payable to Discover Card or
pay online ! Discovereard.com.
Address, e-mail or telephone change? Print change in space
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
Go papedess and make your account
information more secure with password-
protected statements only you can access.
Learn more at discovercadpaperless.
PO BOX 71084 Illurllnunllnlrllnrll
CHARLOTTE NC 28272-1084
In)nllnlnrl?llnrln?rlu?llllur?ululullnlnlul?lr,ll
000001986458146742081108266000500000021700
Discover More Card Account Summary
Closing Date: November 12, 2007 page 1 of 1
Account number ending in 1740 Previous Balance $11,211.75
Payment Due Date December 11, 2007 Payments And Credits 500.00
Minimum Payment Due $217.00 Purchases + 0.00
Credit Limit $11,500.00 Cash Advances + 0.00
Credit Available $673.00 Balance Transfers + 0.00
Cash Credit Limit $5,800.00 Fiance Charges + 114.85
Cash Credit Available $673.00 New Balance $10,826.60
,.'_,., ,rtop'r? xyboa `r? -<•nv . ?x rr 6 ??t?-?.-::. <
reverse side for details.
Cashba& Bonuse Opening Cashback Bonus Balance $ 5.14
New Cashback Bonus This Period + 0.00
Cashback Bonus Balance S S.14
Cashback 8onus® Anniversary
Month: June
Cashback Bonus(R) is America's #1 Cash
Rewards Programl Full 5% Cashback Bonus
on Get More purchases in popular cdo1eeggoonnas
throughout the year and up to 11% Cash back
Bonus on all your other purchases.
How Can We Help You?
P 1 visit Discover corn to pay yaw lei for no cook ?i°`" you'
l
t
t A
i
f
d
d
d
It's your choice - 3 ways to help a
es
ccount
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move
2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service
Please have your Discover Card available. options or to speak with a Customer Service Account Manager
For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943,
Salt Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Date Date
Payments and Credits Nov 7 Nov 7 PAYMENT THANK YOU f -500.00
Finance Charge Summary
Balance Transfer offer for current billing period: Daily Periodic Rate: 0.06025%; corresponding ANNUAL PERCENTAGE
RATE: 21.99%. Rate is subject to the terms of the offer including expiration.
8966465 Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
i
Po ic
n PERCENTAGE T
ci
%g
tes
ces Raa ES CHARM
CHARM
current billing period: 31 days
Purchases $5857.41 0.04860% 17.74% V 17.74% $88.25 $0
Promotional Purchases $0 0.00521% 1.90% F 1.90% SO $0
Cash Advances $0 0.06299% 22.99% F 22.99% $0 SO
Balance Transfers $5313.21 0.01616% 5.901% F 5.90% $26.60 $0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
Wish you could sort these purchases by amount, description or category? You can -register at Discovercard.com to view
your purchases online as for back as 12 months. Loam more at Discovercord.com/purchases
6npafant hdormatien. If there is more than one page to ft billing statement, see the back of each page for additional important nfonnatim.
See your Cardmember Agreammt Your Cardmember, agreement contains all to terns of your Account.
Lost a slolem cards. Report immediately! Cal 1400-347-2683.
B" flights Suounay. In Case of Errors or Questions Alma Your Bill If you think you bill is wrong, or d you need more Womabon about a transaction on your bit, write us on a
separate sheet of paper at Discover, PO Box 30421, Sal Lake City, UT 84130-0421, as soon as possible. We must hear from you no later than 60 days after we seat you she lest bill
on which die error or problem appeared. You can lelepharhe us, but doing so will not preserve your rights. In your letter, give us Ove following information:
Your name and Mient umbel
The dolor anal of the suspeaed errs
Describe the array and explain. it you can, why you believe there is an error If you need more nfamnation. describe the item you are unsure about
You do not have to pay any amount in question wide we are iwesfige6ng, but you are stil obligated to pay the parts of your bill that are not in question. While we awe¢gata yaw
x, - ts:hr:9 r?s t yci as uangkmmrt of ids any amen to ocik:a lie amow ou question.
Special Raft for Gad'[ Card Purchases: It you have a problem with the quakry of goods or services it hat you purchased with a twit card acid you new teed in good moth io cnnea
the problem with the m en ch rd, you may, not have to pay the remaining amount due an the grads or services. You have this protsdion only when to purchase price was more than
$50 ad the purchase was made in you tame state or within 100 miss of your mailing address. (t we own or operate the merchant, or if we mailed you the advertisement for she
good or services, d the purchase are covered negerdess of fie anhount or location of the purchase.)
Payments. Send may you payment and the top portion of the staeenhert in the envelop provided. Do not send cash. By sending you check as described above, you authorize us
to use kicanshon on your deck to make and eledraric fund transfer from you account at the financial instilu6on indicated on you dheck or to process the peyerorl as a dw&
trasacion. 9the payment is processed as an ekedrow kid transfer, the tmrhskr will be for the amount of the check. When we use ihdormaYan from your dmcu to OWO an
electronic fud transfer, kids may be withdrawn From you account as soon as the same day we receive your payment, and you will not receive yam dhede back Iran yea Is rat
trsotuaon.
The prwxssng of your. pay--,.maybe delayed d you send ;ash, correspondence or oft teas wit; your pays,-:. A you sad the payment to any ON ad3sss at it you use an
envelope elha than the one provided. Payments received in proper form at our processing facility by 5PM beat tone on any day lid be aedited to yorAcaaaa as of het day.
Paymentsreceived aim prooe$ing Isdlily after5Ptt local time will be credited toyourAcco rt as d the next day t you have misplaced your enwdops• serid yaapeprera to
Discover, PO Box 6103, Cad Stream, IL 601974103. Please allow 7-10 days for delivery t you payment is returned unpaid. we reserve the right to resulting A as an
etectrerlcdedt
You can pay ym mnnirn payment or a grealer amount over the Oatephane, and you can set up automatic payments. Cal us at 141100.3472683. You will reed to slelarnerl and
your balk aocant information. You must seise het sufficient hinds we avetehle in your bank aceouH, and at transactions mat own* with U. S- low. You will be asked to provide
the lest 5 digits of you sCeaat statement IdP code. By entering tale numbers as you electronic sigabre, you will be agreeing to to authorization to alas as and yowbw* to
led ct each paynherd you a nhor¢e from your bank aminnt. and to iWia t debit or credit entries to your bank aoooul, as applicable, b aired -mar in to processing d arch
paymat You mast Irl us the amount of each payment. or you can select an arramt such as Minimum Payment Due or le New Balance an each Stark malt You can rand a
payment, however we mast receive notice at least twee business days in advance of the sledded payment. You may no* us by phone at 1-8W347-2683 or by mod at the
address istd in the previous paragraph. t youir lam may `nary in amhount we will tell you on each monthly stalanent when you payment will be made and taw much it will be.
You Aubnhalc payment arrant may be less ten the indicated on the morift statement based on credits or payments applied Brig to billing cycle.
Credit RepordN. We may report slkhmmaion about your account b ore& bureaus. Late paymards, missed payments. or other defy tts an your aerourd may be willeckid in your
creditreport. We nomaly report the stake and payment history of yon Accaihl to credit reporting agencies each mach. It you believe the oa repot s iacararem ineanplele,
please write is at hue following address: Disoover, PO Box 15316, Wilmington, DE 19850-5316. Please include your name, address, home Wepthahe rhanber and Account umber.
PERIODIC FKAN,,C.Eh, „C,H.AGES- Penodhc Finance Chagas are imposed on ail transactions from the date the trasacUan a posted te you Account urwi to date you pay your entire
New Oak", by mdag payments or receivig credits. However, we will provide the following -grace period' l you pad Be New Balance on your pervious billing sladerrie t by
the Paynhal Due Dale shown on that dstomal, and you pay the New Balance by the Payment Due Date on Vas staistment we wit not impose Pe odc Fihrnoe Chages on new
pucheses, that is, pulses first appeammg on tuts slawnwil. Otherwise. you wit receive a billing statemet next month that includes Periodic Fiance Chagas an those new
purchases. There is no grace period on balance transfers or cash advances.
We sort your bansactiom into groups of purchases, rash advances, and balance transfers and than furtmer sort the transactions wOm each group by their Annual Paoeuege Rae.
Fa example puralmses now to a promotional rate ad purchases subpd to standard rate wo dd be separate groups. We refer to two groups as transaction allegories. At to
end death billing period. we compute Periods Finance Charges for each day of the billing period for each transaction category. We use the lolovnirg equation to canpnte Periodic
for each transaction category. Average Daly Balance x nunnber of days in the bluing period x Daily Parodic Rate. (See the fiance charge summery an yea statement fa test
areuts.) Then we add up the Periodic Finance Ckxnes la enhh transaction category to get the total Pence Finance Charges for ear Account The average Daly Balance is
shvim as zero t, because of the grace period, no Periodic Finance Chaves apply to the balance .n a transaction category We use to Average Daily Balance (ncbdng new trasec®ms) meted of calculating to balance upon which we impose Periodic Fiance Charges. We carptAe tmeAvemge Deily
Balance for each transaction category, by adding up all the daily belarnces in a billing period for a transaction category and dividing the teal by the number of days in the billing cyde.
We Campo to daily balance for each Irasaaim category on each day by fist adding the following to the prevpus days daily balance. rasacims made het day, lees dhaged
tlha day and Periods Finance Charges acnued on tot day. 11 a transaction is posted to yaw Amo rd after the dose of the biding period in which a occurs, we will tea the mamsackon
as having occurred on the lest day of the b&q pen kid in which it is posted to your Accourit.
Al fees are added to to standard pudese transaction category with to exception of Cash Advance Transaction Fee Fiance C herpes which are added to
to 8rhee trasaction category arid Balance Transfer Transaction Fee Finance Charges which we added a the applicable balance transfer transaction category
When to special rate expires. we move the unpaid balance of to balance transfer and the Balance Transfer Transaction fee finance Charges to to standard purchase transaction
WWM However. it to special rate has been terminated under the Default Rate Plan, we leave the unpaid balance of the balance transfer mid to Balance Transfer Transaction
Fee Fiance Charges in the applicable transaction category until the special rate would have expired.
For TM (Teleearmwnkatorn Devke for the Deal) assistance, cal 1400.347-7449.
Discover may monitor andMr raced telephhom its between you and Discover representatives for qu akirli assua ce purposes
The Dwoovere card is issued by Discover Bank, Member FDIC.
OITBK107
DISCOVER New Balance
t $10,742.27
12 SDSNSA01 0005215
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Minimum Payment Due Account Number ending in 1740
$215.00 Enter Amount Enclosed Below
Payment Due Date $ 1-1
January 11, 2008 Please make check payobie to Discover Card or
pay online Q Discovercard.com.
Go paperless and make your account
information more secure with password-
protected statements only you can access.
Learn more at discover.candpaperless.
PO BOX 71084 111 11 Nile 1111181111151111 all
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space ?u(r((rn(nn?n??ur?n?r(n?((?(m(u?n?n??n?u(nr(r?u??
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458146742081107422700000000021500
Discover More Card Account Summary
Closing Date: December 12, 2007 page 1 of 1
Account number ending in 1740 Previous Balance $10,826.60
Payment Due Date January 11, 2008 Payments And Credits 217.00
Minimum Payment Due $215.00 Purchases + 0.00
Credit Limit $12,700.00 Cash Advances + 0.00
Credit Available $1,957.00 Balance Transfers + 0.00
Cash Credit Limit $6,400.00 Finance Charges + 132.67
Cash Credit Available $1.957.00 New Balance $10,742.27
-- -- - 7trua ?Z;r able to«eQa.a ^'&rux.i,, inanEwr°levre.>es; srur yia?
reverse side for details.
Cashback BonuSe Opening Cashbock Bonus Balance $ 5.14
New Cashback Bonus This Period + 0.00
Cashback Bonus® Anniversary
Month: June
Cashback Bonus Balance
5.14
Cashback Bonus(R) is America's #1 Cash
Rewards Programl Full 5% Cashback Bonus
on Get More purchases in popular cateeggoorries
throughout the year and up to 1 % Cashback
Boma on all your other purchases.
How Can We Help YOU? I Visit Discover com to pay your bill for no test viewy r
P latest Account information, earn and redeem reword and more
It's your choice - 3 ways to help 2. Coll 1-800-DISCOVER (347-2683) for fast, easy selFservice
options or to speak with a Customer Service Account Manager
Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943,
For TDD (assistance for hearing impaired see reverse side Salt Lake City, UT 84130
Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence.
Trans. Post
Date Date
Payments and Credits Dec 10 Dec 10 INTERNET PAYMENT THANK YOU $ -217.00
Finance Charge Summary
Balance Transfer offer for current billing period: Daily Periodic Rate: 0.02712%; corresponding ANNUAL PERCENTAGE
RA 69M5 Rate is subject to the terms of the offer including expiration.
Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Balances Rates RATES RATES CHARM CHARGES
current billing period: 30 days
Purchases $5955.52 0.06093% 22.24% V 22.24% $108.86 $0
Cash Advances $0 0.06847% 24.99% F 24.99% $0 $0
Balance Transfers $4913.37 0.01616% 5.90% F 5.90% $23.81 $0
The rates that apply to your Account are either Fixed (F) or they may vary (V) as noted above.
hnportant Mamation. If there is more tan one page to this biting statement, we the back of each page for additional inpcrlant ihicirmation.
See your Cardmember Agreement, Your Cardmember agreement contains an the terms of your Account.
Lost or stolen cards. Report immediately! Cal 1$04347-2683.
Billing Rlghis Summary. In Case of Errors or QuestionsAbaA Your 84: If you think your bill is wrong, or if you need more nfor aum abase a transaction an your bill, write us on a
separate sheet of paper at Dscauer, PO Box 30421, Sal Lake City, UT 84130-0421, as soon as possible. We must her from you no later Chan 60 days after we sent yon the first bit
on which tie error or problem appeared. You can telephone us, but doing so will not preserve your rights. In you letter, give us the lollowmg information:
You name and Account number
The dollar tenant of the suspected error
Describe the tiro and explain. t you can. why you ham there is an error. 9 you need more tfonratim. describe the tern you are unsure about.
You do not have to pay any amount in question while we are investigating. but you are still obligated to pay the puts of you tit that are not in question. While we investigate you
.re:nirn.1 rr?r.,r^!,•c;nn vo'a. g< deknti,;art ?,r taco wny k -: M!4ect the;,ice n+ •;{__.hpie.<.ticr _
4" Rate for Cretin Lard Purchases: it you have a pkoohem with dw quality d i;a ?teat you purdha;ed wwk a uedx whd am ywr nave area m good lair. to caned
the problem with the merchrd. you may not have to pay the remaining amour due on the goods or servuoes. You have to protection only when the purchase pace was more than
$50 and the purchase was made in your hone state or within 100 miles of you makrg address. !C we own or operate the merchant. or it we mailed you the advertisement for to
good or services, all the purchase are covered regardless of floe amount or location of to purchase.)
Payments. Send only you payment and the top portion of Ih a stnfenhent in to envelop provided. Do not send cash- By sending you clock as described above. you sulhorme in
to use vdorm non on you deck to make and electronic, ic, fund traslr from your account at de financial institution indicated on you dock or to process the payment as a clock
transaction. If to payment is processed as an electronic fund transfer, the wansfar will be for the amoud of the dock. yM m we use information from your dtedk to make an
electronic find transfer, funds may be vat drawn from y otf aecaad as soon as the same day we receive you payment, and you will not receive you deck back from your finandal
institution.
The prig of youir paymmid maybe delayed d you send rash, conesponderhce or other items with you payment t you send the payment lo any other address or 9 you use an
envelope other tlm the one provided. Payrens received in proper form at our processsg facility by 5PM local Ism on any day will be credited to you Account as of tat day.
Payments received a¢ our processing Facility alter 5PM local tine will be credited to yorAccou nil as of the next day. It you have misplaced your envelope, send your payment to
Discover, PO Box 6103, Cad Sheam, IL 60197-6101 Please allow 7-10 days for delivery. )your payment is rekumed unpaid, we reserve" right to resubmit A as an
electronic debit.
You can pay your mnnasn payment or a pater amount over to telephone, and you can set up automatic payments. Cal us at 1-600-3472683. You will need Me statement and
you bank accent irdmralpn. You must ensue that suffirlet fads are avaik+de in your beak accoux, and all transactions must comply with U.S. law. You wit be asked to provide
the first 5 dgh of you account statement ZIP code. By anerig Cross numbers as you electronic sigrabae. you will be agreeing In ft sudionostion to allow us and your bank to
deduct each permit you eutorme from you bank soomit, and to ntiale delA or credit entries to your bank account, as applicable, to cared emu in in processorg d such
payment. You must let us the arrant of each payment, or you can select an amount such as Mtran ter Payment Due or tro New Balance on each stem ent. You an cancel a
payment, however we must receive notice at least three business days n advance of the sledded payment You may ratify us by phone at 1-804347-2683 or byroad at the
address listed in the previous pragraph. If your payments may vary in arrnu t wit will el you on each monthly statement when your permit will be made and how much it will be.
Your Automatic payment annum may be less than the irdiceled on the nanny statement based on credits or payments applied dreg the bdkrg cycle.
Cre* Reporting. Via may report information about you aocounf to credit bureaus. Lae payments, missed payments, or other defaults on you accamt may be reflected in your
credit report. We namely report tie status and paymerd history of your Account to credit reporting agencies each month. If you believe fat our report is naccrate or i complele.
please write us at the following address: Discover, PO Bole 15316. Wilmington, DE 19150.5316. Please include you name, address, home telephone number ardAcco rat camber.
PERIODIC FINANCE CHAGES. Periodic France Charges are imposed on all transactions from Ca date the hasacim is posted to your Accent unlit t e dale you pay your entire
New Balance, by making payments or receiving credits. However, we will provide the followig'grace period' If you paid the Now Balance on your pervious b.f rig statement by
the Permit Due Date shown on tat statement and you pay the New Balance by ft Payment Due Date on this statement we will not impose Periodic France Charges an new
purchases, Cat is. purchases first appearing on this statement Otherwise. you will receive a bdWV statement nerd month Cat ehckdes Periodic Finance C hwgas on those new
purchases. There s no grace pried on balance transfers or cash advances.
We sat yaw transactions Ito groups of purchases, cash advances. and balance transfers and then further sot the transactions wdm each Wo p by their Annual Percentage Rate.
For example purchases sub)ed to a promotional rate and purchases suub)ed to standard rate would be separate groups. We refer to these groups as transaction calego lies. At to
end of each billing period. we omWute Periodic Finance Charges for each day of th filing period for each transaction category. We use the khtawing equation to oompude Periodic
for each transaction category Average Daly Balance x number at days in the billing period x Daly Periodic Rate- (See to finance darge summary on your statement Im, these
amounts.) Then we add up On Periodic Finance Charges for each transaction category to get to leral Periodic Finance Charges for your Account. The average Daly Balance is
shown as zero it because of the grace period, no Periodic Finance Charges apply to the balance in a transaction category,
We use the Average Daily Balance (urncludiM new transactions) method of calculating the balance upon which we impose Periodic Fiance Charges. We Wnpule to Average Daly
Balance for each transaction allegory by addrg up at the daily balances in a bbg pried for a transaction category ad Qvdrg the role) by the number of days in the bitg cyde.
We chompuie the daily belance for each transaction ategay on each day by first adding the following to the previous days daily balance, transactions made that day lees dhaged
tat day and Periodic France Charges accrued on that day If a transaction is pasted to your Account after the close of the bung period in which it ocars, we will Real the transaction
as to" occurred on Cue first day of to billing period in which it is posted to your Account.
All fae- - u t are added to the slardard purchase transaction category with the exception of Cash Advarm Transaction Fee France Charges which we added to
the app x Yasection category and Balance Thane Transaction Fee Finance Charges which are added to to applicable balance transfer transaction caegory
.
When to special rate expires, we nave the unpaid batatw:e of the balance transfer and to Baleme Transfer Transaction Fee Fiance Charges to the standard purchase transaction
category. However, tithe special rate has been terminated under the Default Rae Plan, we leave the unpaid baance of the balance transfer and the Balance Transfer Transaction
Fee Finance Charges n the applicable transaction category until to special rate world have exprered.
For TOO (Telecommunications Device for the Deaf) assistance, cal 1400-347-7449.
Discover may monitor amflor record telephone cab between you and Discover representatives for quality issuance purposes
The Discover cad is issued by Discover Be* Member FDIC.
OITBK107
DISC VIEW $ o Balance
.29
12 SDSN6A01 0005216
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Minimum Payment Due Account Number ending in 1740
$214.00 Enter Amount Enc: Beksw
Payment Due Date $
February 11, 2008 Please make check payable to Discover Card or
pay online 0 Discovercard.com.
Address, e-mail or telephone change$ Print change in space
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
Go papedim and make yar account
information more sears wkh possvrord-
prohicted statements only you can aocess
earn more at discovemon0papcrless.
PO BOX 71084 Ill r,rllunnllulnllnsll
CHARLOTTE NC 28272-1084
(rrlfill rlrrrlrllrrrlmrlrlrrrilllrrmlrrlrrlrrlirrlrrlrrlrlrrll
000001986458146742081106642900000000021400
Discover More Card Account Summary
Closing Date: January 12, 2008 page) of 1
Account number ending in 1740 Previous Balance $10,74227
Payment Due Date February 11 2008 Payments And Credits 215.00
Minimum Payment Due $214.00 Purchases + 0.00
Credit Limit $12,700.00 Cash Advances + 0.00
Credit Available $2,035.00 Balance Transfers + 0.00
Cash Credit Limit $6,400.00 Finance Charges + 137.02
Cash Credit Available $2,035.00 New Balance = $10,664.29
:.w.;4"y1?.rmablr to.cm=l?oi?c?lurJl? ? '«;a,.t:C '..lY!iRllMt, 4eq lt!
reverse side for details.
Cashback Bonuse
Cashback Bonus® Anniversary
Month: June
Cashbook Bonus(R) is America's #1 Cash
Rewards Program I Full 5% Cashback Bonus
on Get More purchases in popular caftee .
?
Tones
throughout the year and up to I% Cos b
ack
Bonus on all your other purchases.
Opening Cashback Bonus Balance $ 5.14
New Cashbock Bonus This Period + 0.00
Cashback Bonus Balance $ 5.14
How Can We Help You? 1 Visit Dsceaer com to pay yew bit for no cod, view
P latest Account information, earn and redeem rewards crud more
It's your choice - 3 ways to help 2. Cal 1-800DWOVER (347-2683) for fast, easy selliservice
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 Jon 12 Jan 12 INTERNET PAYMENT THANK YOU $ -215.00
Finance Charge Summary
Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01616%; corresponding ANNUAL PERCENTAGE
Iffit1l. Rate is subject to the terms of the offer including expiration.
Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Baksnces Rates RATES RATES CHARGES CHARGES
current billing period: 31 days
Purchases $6066.58 0.06025% 21.99% V 21.99% $113.31 $0
Cash Advances $0 0.06847% 24.99% F 24.99% $0 $0
Balance Transfers $4734.88 0.01616% 5.90% F 5.90% $23.71 $0
The rates that apply to your Account are either fixed (F) or they may vary M as noted above.
Important Whirmalion. O tree is more than one page b On billing statement, see the back d each page or additional mportant iNmnaton.
See you Cardmember Agreemart Your Cardmember agreement contains all the terms of your Actootim.
Lost or stolen cards. Report irrredlaely! Call 1 ZC&M7-2663.
ENWg Rights Summery. In Case of Errors or Questions About Your Bill: If you think your bill is wrong, or if you need more nbhma6on about a transaction an your bit write us an a
separate sheet d paper at Discover, PO Box 30421, Sell Lake Ciy, UT 84130-0421, as soon as possible. We must hear loom you no later than 60 days alter we sent you the 6W bit
on which the am or problem appeared. You can telephone us, but doing so will not preserve you rights. W your teller, give us the blowing information
You name and Account minter
The doter amo rr of the suspected error
Describe the error and explain. it you can. why you believe tare is an error. If you need more iionnation. describe the dem you are usuee abed.
You do not have to pay any amount in question while we are investigating, but you am still obligated to pay the pans of you bit that are not in question. VA* we investigate ym
roket :: _ x ?p n yen As dekqu=rt v ta4" any actim to mw the armmd r, T.rst ?
f w hied .w Creak Cad purchases: if }:x! have a problem wi is the W city ut g eras or savwos w a yon r a sot +r.h s f :i c, mr, y u i aw +i. at war.
the problem with to me chariL you may not have to pay the remaining amount due on the goods or services. You love thm protection only when to purchase price was more than
$50 and the purchase was made in your have state or within 100 miles dyer mailing address. (t we own or operate the merdranL or it we monad you to adterbsnsmern for the
good or services, all to purchase are covered regardless of the amount or location of the purchase.)
Payments. Send only your payment and the top portion d the statement in the envelop prodded. Do not send cash. By sending you deck as described above. you sultiome us
to use i brinalon an your cedk b make and electronic land transfer from your socoud at the *xnc al institution indicated on you died or to process #* payment as a check
barsaion. N the payment is processed as an elwM= fund tmnskr. the aanskr will be for the anaai of the died. When we use nforma im nom you duck in make an
electronic trend trarhskr. kinds may be *"awn born your account as soon as the same day we am* you psymad. and you will not receive you check bad kaan you drrncial
rsiihution.
The process" of your pe cow maybe delayed if you tend cash, comes 'Dondence or other Avis wry: you payr ern, if you sad the payment to any Ocher address orI you use an
envelope other than the one Vevided. Payments received in proper form at our processing faddy by 5PM local time on any day will be credited to your AaAUt as dries day
Payments received at err processing bodily after SPM local time will be cradled to your Acmtad as of the next day- If you have misplaced you envelope- sad yak payment b
Discover, PO Box 6103, Cant Sheen, IL 60197-6103. Phase allow 7-10 days for delivery. N your payment is returned uhpaid, we reserve the right to resubmit 0 as an
electronic dotxL
You can pay your in-inann payment or a grater amount over One telephone, and you can At up automatic payments. Cat us at 1800-3472683. You will need this sbasmentand
you bank amount idarrrtion. You must ensue Mot suftem lends are mat" in you bar* account and all transactions mat comply with U.S. In. You will be asked to provide
the fast 5 digts of you acarxn statement ZIP code. By amain those numbers as your eleckanc signalise. you will be agreeing to this authorization to allow es ad you berm to
deduct each payment you authorize loom you bank account, and to in bale debit or credit entries to your bark amount, as applicable, b coned error in the processing of such
payment You mist tell is the amount d each payment, or you can select an amount such as Minimum Payment Due or the New Balance on each statement. You mar am I a
payment, however we must receive mute at least Ogee business days in advaoe of One sdnad led peynent You may ratify us by phone at 1.800.347-2683 a by aril at the
address tined in the previous paragraph. If your payments may very in amount we will tell you on each monthly statement when your payment will be made and yaw muff it wi be.
Your Aubmatc payment maw may be less than the indicated on the monthly statement based on credts or payments applied during the biting cycle.
reMrJed n yak
Cmdk Reporting. We may report iribrina on about your account to credit bureaus. Late paynhens. missed payments, or other defadfs on your accent maybe
credit report. We normally report the stales and payment history of you Account to credit reporting agencies each month. If you believe 69 our report is inaccurate a itocmptele.
please write us at the following address: Discover, PO Box 15316. Wilmingtorh, DE 198505316. Please indite you name, address, home telephone number andAccount number.
PERIODIC FINANCE CHAGES. Periodic Finance Charges am imposed on all transactions from the dale the transaction is pasted to yourAccou t unit the dab you pay your entire
New Balm, by malting payments or receiving credits. However, we will provide the following -grace Period' t you pad the New Balance on your pervious biting statement by
the Payment Due Doe shown on that statement, and you pay the New Balance by the Payment Due Otte on On statement we wit not rpm Periodic I'ma ce C hwges on new
purchases, that is. pukiusts W appearing on to statement Otherwise. you will receive a billing statement next month that includes Penodi Finance Charges on those new
purchases. There is no grace period on balance transfers or cash advances.
We sat your lresedio s ob groups of purchases, cash advances, and balance transfers and ten tether sari the transactions within each gray by tmeiAaard Poker a Rate
For example purchases sbIiea to a promotional rate and purchases subject to standard rate would be separate groups. We refer to these groups as transaction abgairs. At the
end of each billing period, we co pule Paiodc Fiance Charges for each day of In biting period for each transaction category We use the blowing equison so compute Peak
for each transaction category. Average Daily Balance x number of days in the billing period x Day Periodic Rate. (See the fna ce large summary on your sWvmerd lar tree
smouns.) Then we add up the Periodic Finance Charges for each transaction category to got On total Periodic Finance Charges for your Account The average Day Balance is
shown as zero it, because of the grace period, no Periodic Finaroe Charges apply to the balance in a transaction category.
We use is Average Daly Balance (inded" new transactions) method of calculating the balance upon which we impose Periodic finance Charges. We compate tieAuerage Daily
Balance for each transaction category by adding up at the daily balances in e biting period or a transaction category and dividing the total by the ranhber of days 91 the big cycle
We cornpude to daily balance for each trasaciion category on each day by fast adding the fonoweg to the previous day's daily balance. transitions merle that day, fees charged
that day and Periodic Finance Charges accrued on that day If a kersaction is posted to yourAtcorht aller the cbse of the biting period in which 0 occurs, we will no the transaction
as having occurred on the first day of the bang period in which it is posted to yourAecount.
At lass ?? ppJp are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Fiance Chagos which are added to
due appt a llratrawr action category and Balance Transfer Transition Fee Finance Charges which are added to the applicable balance easier trwrac. category.
Wben the special raw expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to to standard padrse Yasarkon
category . However. if the special rase has been terminated under the Default Rate Plan, we wave the unpaid balance of the balance transfer and hue Bafaoe Transits Transaction
Fee Finance Chagas in the applicable traRBCtiom category until the special rate would have expired.
For TOD (Telecommunications Device for the DeaQ assistance, all 1400-347-7449
Discover may monitor anNor record meteplicne acs between you and Discover representatives for q Wq assurance purposes
The Discouer° cad is issued by Discover Bank, Member FDIC.
OITBK1O7
New Balance
$2,785.08
DISCOVER
12 SDSN6A010005217
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Minimum Payment Due Account Number ending in 1740
$84.00 Enter Amount Enclosed Below
Payment Due Date $ F-?
March 11, 2008 Please make check payable to Discover Card or
pay online @ Discovercard.com.
Address, s-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 congpapedess.
PO BOX 71084 IlltNeill IN usllsrlsll loll
CHARLOTTE NC 28272-1084
lulrllulnrlrllnrlulrlurllllnrlnlnlnllululnlrlull
000001986458146742081027850800000000008400
Discover More Card Account Summary
Closing Date: February 12, 2008 page 1 of 1
Account number ending in 1740 Previous Balance $10,664.29
Payment Due Date March]] 2008 Payments And Credits 8,000.00
Minimum Payment Due $84.00 Purchases + 0.00
Credit Limit $12,700.00 Cash Advances + 0.00
Credit Available $9,914.00 Balance Transfers + 0.00
Cash Credit Limit $6,400.00 Finance Charges + 120.79
Cash Credit Available $6,400.00 New Balance - - - R2 785.08
reverse side For details.
Cashback Bonuse Opening Cashbock Bonus Balance $ 5.14
New Cashbock Bonus This Period + 0.00
Cashback Bonus Balance $ 5.14
Cashback Bonus® Anniversary
Month: June
Cashbock Bonus(R) is America's #1 Cash
Rewards Programl Full 5% Coshbock Bonus
on Get More purchases in popular cat as
thr
t th
h
d
t
1 % C
hb
k
oug
ou
e year an
up
o
as
ac
Bonus on all your other purchases.
How Can We Help
P You? 1 Viso Discover corn to pay year b8 for no cost, "ie'" your
latest Account information, earn and redeem rowards and moro
It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fad, easy selkservice
Please have your Discover Card available. options or to speak with a Customer Service Account Manager
For TDD (assistance for hearing impaired) we reverse side 3. Write us at Discover Card, PO Box 30943,
Soft Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Dale Date
Payments and Credits Feb 9 Feb 9 INTERNET PAYMENT THANK YOU $ -8,000.00
Finance Charge Summary
Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01616%; corresponding ANNUAL PERCENTAGE
R. Rate is subjed to the terms of the offer including expiration.
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 $5730.78 0.05682% 20.74% V 20.74% $100.94 $0
Cash Advances $0 0.06847% 24.99% F 24.99% $0 $0
Balance Transfers $3964.23 0.01616% 5.90% F 5.90% $19.85 $0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
Get cash with your Discover(R) Card at ATMs nationwide. For a personalized PIN call 1-800-DISCOVER (1-800-347-2683).
It's fast, safe, and secure. Plus, you can use it immediately.
Important Information. N Mere is more than one page to This billing statement, see the bade of each page for additional important inbmnabon. p
See your Crdmember Agreement Yom CrBnartiber agreement contain all the terms of you Ammons co
z
Lost or stoke cards. Repot inured atdnyt Cal 14W-347-M. o
BINng Rights Summary. In Case of Errors or Questions About Your B'nd If you think your bill is wrap, or 0 you need more Worma0on about a transaction on your bi, write us on a 00
separate sheet of paper at Discover, PO Box 30421, Sat Lake City. UT 84130-0421, as soon as possible. We must hew ken you no later Man 60 days after we send you the first bill
on which the error or problern appeared. You can telephone us, but doing so will not preserve your rights. In you filter, give us the folowsng information: N
Yrxr name and Account number J
The doter amount of the suspected eror
Describe the era and explain, it you can. why you believe Mere is an error. N you need more information, describe the item you are unsure about.
You do not have to pay any wr out in question why we are investigating, but you are still obligated to pay the parts of you bid tml am not in question. While vie investigate your
ar:',AVn'wr?m.Mxr?., h:rhr^+)?"".rernnmr.tail(e?rlyaCt:!xlkfC9Mr"r&aa:r'^•n+ywhk;k.:+Mxr _ _
Special Rate for Credit Card Puchi ses: N you have a problem with the dpuality of goods or set woes that you purchased with a credt card and you have tried in good faun to correct
the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have On protection only when the purchase price visa mole Iran
SW and the purchase was made in you hone state or wiO n 100 miles of your mailing address. IN we own or operate the merdhat, or awe mated you the adverE ht for the
good or services, all the purchase are covered regardless of the arrant or location of the purchase.)
Patmamts. Sad only your payment and the top portion of the staternera at the envelop provided. Do ad send cash By sending you check as described above, you audiam us
to use idormatixn on you check to make and election; kind transfer from your amount at the financial mistihrion "aged on your check or a process the payment as a dsdk
transaction. N the payment is processed as an electronic kid transfer, the transfer will be for the amud of the dad. When we use i donnakoh tom your dad b make an
elemorhic kid transfer, funds may be witdrawn from you account as soon as the same day we receive yon payment and you will not receive your dteck back ham you financial
istrhdan
.
The prnx ssig of your payment tnaybe delayed if you.send. cask comespo Bence or other. darns with your payment. 9 you sand thepaymerviIc any deer adikess a.if you use an
envelope other Ow the one provided. Payments received in {roper form at our processing facility by 5PM local hme on any day will be credited to your Account as of Mal day.
Payments received at our processing faakfy after 5PM local time aril be credited to your Account as of the next day. N you have misplaced your envelope. send yaw payment to
Discover, PO Box 6103, Carol Stream, IL 60197-6103. Please allow 7-10 days for delivery. N you psymem is returned unpaid, we reserve the right to resubrral it an an
ekhdronic debit
You can pay you mini urn payment or a greater a out over tte telephone. and you can set tip subrnatic payment. Cal us at 1400.3472683. You will need to statement and
your thank account i kormalon. You must ensure Ihat shdkaenl fads are available in you bank account, and al transactors cost comply with U S law. You will be asked to provide
the fist 5 digits of you amount statement ZIP code. By adeirg those numbers as your electronic signature, you will be agreeing b this; authorization to Am is and your bank to
deduct each payment you authorize from your hank amount, and to iitiare debt or credit entries to your bank account, as applicable, b correct error in the procaeeng of arch
payment. You must tell us the amount of each per" or you can salad an amain such as Mihimnm Payment Due or the New Balarhoe on each staktme?d You can cancel a
payment however we must receive notice at least twee business days in advance of the scheduled payment. You may corky us by plane at 1-800-347-2683 or by mail at the
address listed in the previous paragraph. N your payments may vary in arnouat we will tel you on each monthly statement when your payment will be made aced how mach it will be.
You Aubmakc payment amount may be less Man the ind gated on the monthly statement based on credits or payments applied dung the long cycle.
Credit Reportkhg. We may report information abar your account 0 credit bureaus. Late payments, missed payments, or other default on your amount may be relscted in you
crock report - We normally report the status and payment history of you Amount to credit reporting agencies each math. N you believe OW our report is ihecwab or nmmpliale.
please wait tea at the k>gowng address: Discover, PO Box 15316, Wilmington, DE 19850-5316. Please include you name, address, hare telephone number and Account amber.
PERIODIC FINANCE CHAGES. Peridx: Finance Charges are imposed on all transactions from the date the transaction is posted as your Aecou i until the date you pay your entire
New Balance, by making payments or receiving credits. However, we will provide the folbwing'grace period' N you paid the New Balance on you pervics billing statement by
the Payment Due Date shown on that statement and you pay the New Balance by the Paymem Due Date on On statement we will not impose Periodic Finance Charges on new
purchases. that is, purchases fastappeamg on this statement. Otherwise, you will receive a b" statement next month that includes Peiodo Finance Charges an those row
purchases. Thee is no grace period on bela ce transfers or cash advances.
.
We sod your transactions into grails of purchases, cash advances, and balance transfers and then further sort the transactions wiltm each group by their Annual Percentage Rate
For example purchases s4W to a promotional rate and purchases subject to standard roe wand be separate grams. We refer to these grouts as trarsaclim calegoies. At tan
end of each billing period, we co puce Periodic Finance Charges for each day of the billing prod for eech transaction calegony. We use the fallowing equation to own" Peiadc
for each Ina section category Average Daily Baknce x number of days in it* billing period x Dell Periodic Rate. lSee the finance charge summary on you statement for these
anoints.) Then we add up the Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges for your Accord The average Daily Balance is
shown as zero it. because of the draw period, no Periodic Finance Charges apply to the balance in a transaction category.
We use he Average Daly Balance (ihekrdirg new krsecions) method of calculating the balance upon which we impose Periodic Finance Charges. We compub IheAverage Daily
Balance for each Mnsactiau category by adding up all the daily balances in a Ming period for a trasoction category end dividing tie load by the number of days in the billing cycle.
We compute the daily balance for each transaction eabgony on each day by first adding the following to the previous day's daily balance. erahsaioons shade thw day, tees charged
that day and Periodic Finance Charges accrued an Mat day N a transacton is posted to your Account after the dose of the biding period in which it occurs, we will treat the transacion
as having occurred on he first day of the billing period in which it is posted to your Account.
AN fee iSkCmunt ore 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 France Charges which are added to the applicable balance transfer trensoolm category
When the speat roe expires, we nave die unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance, Charges to the standard purchase transaction
category. However. if the special rate has been terminated under the Default Rae Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction
Fee Finance Charges in the applicable transaction category until the special tae would have expired.
For TDO (Telecommunications Device for the Be A assistance, cal 1400-347-1449.
Discover may mondor actor record telephone calls between you and Discover representatives for quality assurance purposes
The Disoovere cad's awed by Discover Bank, Member FDIC.
OITBK107
DISC VER $N2;?94 e
12 SDSWA01 0005218
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Minimum Payment Due Account Number ending in 1740
$61.00 Enter Amount Enclosed Below
Payment Due Date $
Apri 11, 2008 Please make check payable to Discover Card or
pay online 0 Discovercard.com.
Address, e-mail or telephone charge? 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 accaslt
information more secure with peswmrd-
Drabected sMenwft only you can access.
Loam more at discovecoomfpaperless.
PC Box 71084 111 111121111168111
CHARLOTTE NC 28272-1084
Inlrllulnrlsllnrlnrlrlnrllllnnlr,lnlullululnlrlnll
000001986458146742081027469400000000006100
Discover More Card Account Summary
Closing Date: March 12, 2008 page 1 of 1
Account number ending in 1740 Previous Balance $2,785.08
Payment Due Date April 11 2008 Payments And Credits 84.00
Minimum Payment Due $61.00 Purchases + 0.00
Credit Limit $12,700.00 Cash Advances + 0.00
Credit Available $9.953.00 Balance Transfers + 0.00
Cash Credit limit $6,400.00 Finance Charges + 45.86
Cash Credit Available $6,400.00 New Balance = $2,746.94
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k;:, a41b ?11e
reverse side for details. _
Cashback Bonuse Opening Cashback Bonus Balance $ 5.14
New Cashbock Bonus This Period + 0.00
Cashbadc Bonus Balance $ 5.14
Coshbock Bons Anniversary
Month: June
Cashback Bonus(R) is America's #1 Cash
Rewards Programl Full 5% Cashback Bonus
on purchases in popular categories
throughout the year and up to 1 % Cashback
Bonus on all your other purchases.
How Can We Help You? I Visit Di"e'"e XAM to pay your bd fisr no test your
latest Account information, earn and redeem rewards and mars
It's your choice - 3 ways to help 2. Call 1-800.USCOVER (347-2683) For fast, easy self service
Please have your Discover Card available. options or to speak with a Customer Service Account Manager
For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943,
Soh Lake City, UT 84130
Transactions $0 Fraud liability Guarantee use your Discover Card with confidence.
Trans. Post
Date Date
Payments and Credits Mar 9 Mar 9 INTERNET PAYMENT THANK YOU S -84.00
Finance Charge Summary
Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01616%, corresponding ANNUAL PERCENTAGE
Mom- Rate is subject to the terms of the offer including expiration.
Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FWANCE F#dANCE
Balances Rates RATES RATES CHARGES CHARM
current billing period: 29 days
Purchases $2778.48 0.05682% 20.74% V 20.74% $45.78 $0
Cash Advances s0 0.06847% 24.99% F 24.99% s0 $0
Balance Transfers $1715 0.01616% 5.90% F 5.90% $0.08 $0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
Need some help around the house? Get organized for spring with your Discover(R) Card. Get 5% to 20% Cas6back
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Important nlamsttouh. If dwe is more OW one pegs to to billing statement, see the back of each page for additional important information,
See Yom Cardmember Agreement Your Cerdmernber agreemerd contains all the terms of your Account.
Last or stolen cards. Repot imnediai. Cad 1-800.347-2683.
B" Rights Sunmary. In Cased Errors or Questions About Yom Bill: t you drink you bill is wrap, or d you need more information about a rarseclion on you bill, wren us an a
separate shed of paper at Drover, PO Box 30421. Salt Lake City, UT 84130-0421. as soon as possible. We must hear from you no Imer than 60 days after we sent you ere fist bill
on which the error or problem appeared. You can telephone us, bur doing so will not preserve your nights. In your lefter, give us the following information-
Your was and Amout number
The dollar amount of the suspected error
Describe the an%and explain, if you can, why you believe there is an error If you need more irdomaiah, desuba the rem you are issue about
You do not have to pay any amount in question while we are tnvesigatig, bul you are sell obligated to pay the pats of you bill hat are not in question. While we investigate your
^"z....w. c :_•.Y ?cgxnl yrzr as d•M:hghxrm ri-:? ?coke ah!y ;:-tier b c::lrtc? the wnormt y+xu yutsmia2
Sp" F:akr< Us& Card Pwahases_ ttyou rave a problem weer ao quality ui guwds u savxes mat ycw purchaseu won a cec t card acl A4 nave trod in good uuth 10 coreox
the problem with is mercer, you may not have to pay the remaining amend due on the goods or services. You have he protection only when dhe purchase price was more tun
SW and to purchase was merle in your hang state or within 100 miles of your mailing address. (If we own or operate the merdwit. or if we mailed you the adverbsefine t for the
good or services, all the purchase are covered regardless of the amount or location of the purclutse.)
Psymerds. Send only you payment and the by portion of the statement in the envelop provided. Do not send ash. By sending your deck as dnc bed above. you authorize us
to use information on your deck to mace and ak+dmric lead transfer from you account at the kwKw nstiMion indicated on your deck or to peaces the payment as a c edh
transaction. dthe payment is processed as an electronic lead transfer, the transfer will be for to amount ate deck. When we use information from your deck b make an
electonic fund trasl r, kinds may be witdrawn from you smear as soon as the same day we receive your payment and you will not receive you deck bade from your financial
The processing of yxsr paparg maybe ddayad d you send cash, mnespondena or ow A- rich you payrm* t.you send the payment b any Sher address or i you use an
envelope Dtar than to one provided. Payments received in proper form at our processing b* by 5PM local Ine on any day will be credited to your Acoant as at the day.
Payments received at our prooesing Way after 5PM local time will be credited to your Accout as of th nerd day. If you have misplaced your em elope, send your pailimerit to
Dineen, PO Bar 6103, Carl Susem, It 601976103. Please slow 7-10 days for delivery. If your payment is rented unpaid, we reserve the *1 to tendril it as an
electronic debit
you an pay you mirsmi n psyroa t or a grader amount over the telephone. and you an set up shtaneic payment. Cal us al I-M3472683. You will need this slelment and
you bate aoooo t idor ntion You must enure 90 siffrmt bads are available in your bank eemmt, and all kasaciae must eonyly wth U.S. few. You will be asked b provide
to first 5 digits of you accent stelemerd ZIP code. By entering those numbers as yaw electronic signature. you will be agreeing to ft authorization to allow us and you bank to
deduct each payment you authorize from your bank account, and b idiae ddil or melt entries b your bank acc urt, as applicable, to owed wor in the Woastig of such
payment You must Yet is the acourd of each psymerd. or you can select an smart such as Miriam Pay ned Due or the New Balance on each statement You sorb anal a
Peyxrant however we must receive nice d least thim business days in advarae Of the scheduled payment You may reify us by phone at 1-WO-347-2663 or by awl at the
address listed in to previous paragraph. If your payments may vary in amount we will tai you on each monthly statement when you payment will be merle and taw man it will be.
Your Automatic payment amount may be less then the indicated on the mordlty statement based an -recta or payments applied dung tls billing cycle.
Credit Reputing. ft may report information, about yaw ascent to aedt bureaus Late payments, messed payments. or otlor dela its on you accent may be (ellected in your
credit report. We normally report to stakes and permit history of you Amorrt to orsdii reporting agencies each month. If you believe to our report a wamuas or noompbb.
please writs us at the following address: pisoow, PO Box 15316, WYtbkiglon, DE 19850.5316. Please include you ono, address. tam telephone number and Account camber.
PERIODIC FPUWCE CHAGES. Periodic Finance Charges are imposed on all transactions ban lbe date the transaction is posted In your Acim nt until the date you pay your erase
New Balance. by making payments or remia g credits. However, we will provide the folowng grace Period- It your paid the New Balance on your pwvbus Wig statanoa by
the payment Due Date shwak on that statement, and you pay the New Balance by the Payment Due Date on this statement we will not impose Periods Finance Charges an new
pudases. OW is, µucheses first appeaig on this statement. Otecwise, you will receive a billing statement ne)d month that includes Periodic Fiance Charges on Lase new
purchases. There is no grace period on balance kanskrs or cash advances.
We sat your transactions ito grails of purchases, ash advances. and balance transfers and ton pater sari the transactions within each group by their Annual Paoentaget Rate.
Fa example purchases subpd to a promotional rate and purchases sublet to standard rate would be separate groups. We refer b t ese grails as transaction calingonesi. At On
end of each billing paced, we compile Poncift Finance Charges for each day of the bd ng period for each trasecoon calegory We use to following equation to ampule Periodic
for each transaction category Average Daily Beiahoe x number of days in to hbV period x Deily Periodic Rafe. (See the fiance damge summary on you statement for these
amounts.) Then we add up the Periodic Finance Charges for each transaction category to gel dre btu Periods Fiance Charges for you Ao m rs The average Daily Balance is
she m as zero n, because of the grace period. no Periodic Finance Chagas apply to the balance in a transaction cetegory. - - -
We use #*Averag , Deily Bak nce (including new transactions) method of calculating the balance upon which we impose Periodic Finance Charges. We eompule the Average Daty
Balance for each transaction category by adding lip all the daily balances it a billing period for a trasacton category and dividing to ud by the number of days in to billing cyde.
YVe compute the daily balance for each kensabmn category, on each day by first adding the fofowing to to previous days daily balance, transactions made that day fees charged
that day and Pesiodie Fiherce Chagas acined on tlat day. 8 a transaction is posed to your Account after the dose tithe Wig period in Much it occurs. we will cover to transaction
as having occurred on der Est day of the bung period in which it is posed ki your Account,
All fees A Qom( ?whtia are added to the standard pudase transaction category with the exop6on of Cash Advarm Transaction Fee Finance Changes which are added to
eppfrahTe? category and Balance Transfer Trasacem Fee Fnence Charges which are added to the applicable talaoe transfer trasaciah ategoryr.
When the squad raw expires, we move the unpaid balance of to balance transfer and the Balance Transfer Transaction Fee Friars Charges to the standard purchase tansadw
ategdy Haaava. Of to special role has been terminated under the Default Rale Plan, we leave do unpaid balance of the balance transfer and the Balance Transfer Transaction
Fee Fiance Charges it to applicable trasaction category tail the spacial Fate wand have expired.
For TDD (Telecommunications Device for the Deaq assistance, malt 1-000-347-7449.
Discover may rnondor "or record Weph one als between you and Discover representeives For quality asua os purposes
The Discover' card is issued by Discover Bak, Mamba FDIC.
OITBK107
C New Balance i Minimum Payment Due
DIS01" VER $11,858.29 $238.00
Payment Due Date
May 11, 2008
12 SDSN6A01 0005219
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Account Number ending in 1740
Enter Amount Enclosed Below
$ 1
Please make check payable to Discover Card or
pay online @ Dixovercard.com.
Go paperless and make your account
information more secure wdh password-
protected statements only you can access.
earn more at discover comlpaperiess.
PO BOX 71084 111.4 11 Igloo 1811131 111111
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space
above, or go to Dixover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458146742081118582900061000023800
Discover More Card Account Summary
Closing Date: April 12, 2008 page 1 of 1
Account number ending in 1740 Previous Balance $2,746.94
Payment Due Date May 11, 2008 Payments And Credits 61.00
Minimum Payment Due $238.00 Purchases + 0.00
Credit Limit $12,700.00 Cash Advances + 0.00
Credit Available $841.00 Balance Transfers + 9,000.00
Cash Credit Limit $6,400.00 Finance Charges + 172.35
Cash Credit Available $841.00 Now Balance $11,858.29
'+,w may he +?ble to m -t-id Nmodi Fi in,e : trcrrgea. •ee +0
reverse side for details.
Casbback BonuO Opening Cashback Bonus Balance $ 5.14
New Cashback Bonus This Period + 0.00
Cashback Bonus Balance S 5.14
Coshback BonusO Anniversary
Month: June
Keep building your rewards with every
purchase. Start redeeming once you reach
$20 Cashback Bonus(R).
How Can We He) You?
P 1 Visit Discover corn to pal' year bill for "° `° r view
latest Account information, earn and redeem r and more
It's your choice - 3 ways to help 2. Call 1.8004ASCOVER (347-2683) for fast, easy self-service
Please have your Discover Card available. options or to speak with a Customer Service Account Manager
For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943,
Salt Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trams. Post
Date Date
Payments and Credils Apr 8 Apr 8 PAYMEN T THANK YOU $ -61.00
Balance Transfers Mar 26 Mar 26 BALANCE TRANSFER CHECK 0,466 9,000.00
APR 5.90% EXPIRES 01 /2010
Mar 26 Mar 26 BAL TRANS TRANSACTION FEE FINANCE CHARGE 99.00
Finance Charge Summary
8966465 Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
B nc s Rates RATES RATES CHARGES CHARGES
current billing period: 31 days
Purchases $2759.71 0.05477% 19.99% V 19.99% $46.86 $0
Cash Advances $0 0.06847% 24.99% F 24.99% $0 $0
Balance Transfers $0.06 0.01616% 5.90% F 5.90% $0 $0
Balance Transfers $5290.55 0.01616% 5.90% F 16.73% $26.49 $99.00
The rates that apply to your Account ore either fixed (F) or they may vary (17 as noted above.
Looking for the perfect gift for someone special? Save time and earn rewards - with 5% to 20% Cashbock Borrus(R) at online
retailers like CNerstock.com, Blue Nile and Apple Store through our exclusive online shopping site, ShopDiscover. Visit
Discovercard.com/shop today!
Important Information t there s more Wan one page to this bung statement see the back of each page for edclknat important Wormation.
See yaw Cardmember Agreement Your Carbnenber agreement contains al to terms of yore Accent.
Lost or stolen cards- Report iraredieky! Cal 1-800.347-2663.
Biting Rights Summary. In Case of Ems or QuestionsAbaR Your Bill: If you ttidk your bill is wring, or d you need more infamabon about a transaction an your bill, waft us on a
separate sheet of paper at Discover. PO Box 30421, Salt Lake City, UT 841340421. as soon as possible. We must hear from you no later Than 60 days after we sera you the first bill
on which the error or problem appeared. You can lelephom us, but doing so will not preserve your rights. In you teller. give us the Wowing nlamabon:
Your name and Accent number
The doter amours of the suspected error
Describe to error and mom. I you can. why you believe there is an error . l you need mere mformaion. describe the Kern you are unsure about
You do not have to pay any arnou t in question wide we are nvestigabing, bl you are still obligated to pay the pads of your bill that are not in question. While we iwestigale yotr
q-er r °_a,, wu caraxw;rv,a yv.: os 44wrtenl or take bury ,lion to coled the arc, you quW";. _
Special Kate for Cread Cud Purchases. d you tow a prouleni with the quality ut goods or services trot you purchased with a creda a j aruw you nave uied err goon: rout to axrrect
the problem with the mordant. you may nth have to pay the reneirwug amount due on he goods or services. You have Bus protection only when the purchase price was mere than
$50 and the purchase visa made n your home state or Widw 100 miles of your mailing address. (g we own or operate the merchant, or f we mailed you the advatisemerd fa the
good or services; all die purchase are covered regardless of the amount or location of the purchase)
Payments. Send only your payment and the top portion of the statement in the envelop provided. Do not send cash. By sending your deck as described above. you su/rave us
to use nformahon on yea deck to make and electronic fund transfer from your acco rd at to hwbcial institution indicated on your deeck or to process the paymeA as a check
transaction. I the payment is processed as an electronic had transfer, the transfer will be or the amount of ft crack When we use adormatim from your deck to make an
eledr ome kid transfer. funds may, be wddraam km your account as soon as the same day we receive your payment, and you will not receive your cede back tram yaw financial
ins6otion
The processing of your payment maybe delayed if you send cash, correspondence or other items with your payment. if you said the payment to any other address a d you use an
envelope oiler Wan the one provided. Payments received in proper form at our processing Facility by 5PM local Lira on any day will be credited to your Aocaad as of the day
Payments received at our processing facility after 5PM local tins will be crackled to your Account as of the next day It you have misplaced your envelope. sent your paynhaN to
Discover, PO Box 6103, Card Stream, IL 60197-6103. Please allow 7-10 days for delivery If your peynerd is refined uupad, we reserve the right to resubmit t as an
electronic debt.
You can pay your minimum payment or a greater wm wd overdo telephone, aid you can set up automatic parneint . Cal us at 1-800-3472683. You will need this statement and
your bark account moonalion. You met esue that sufficient funds are available in your bank account, and al transactions mast woo with U.S. law. You will be asked to provide
the fret 5 digits of you accaat statement ZIP code. By enlemg those numbers as your electronic signame. you will be agreeing to tike arh anzahon to Slow us and your bank to
deduct each payment you at"ste lean you bale accent, and to initiate debit or credit entries to your bade account as applicable, to correct error in to processing of such
payment. You must let us ft amount of each payment. or you can select an amount such as Mninxm Payment Due or he New Balance on each statement. You can card a
payment. however we must receive notice a least tree business days in advance of the scheduled payment You may no* us by phone at 1.800-347-2683 or by mail at to
address listed in the previous paragraph. t yow payments may vary in amount we will eel you an each monthly statement when your payment will be made and how much t wad be.
Your Automatic peymornt arrant may be less than the indicated on to monthly statement based on credits or payments applied dung the brag cycle.
Credit Reporting. We may report idamatm about your account to credit bureaus. Lae payments, missed peynneds, or other defaults on your account may be reflected in your
credit report. We normally report the status ad payment history of you Account to credit reporting agencies each month. If you believe that our report is iocouaam or nmhplete.
please write us at the following ad8es s: Dswver, PO Box 15316, Wilmington, DE 198545316- Please include your name, address, hone telephone, nuiber and Account amber.
PERIODIC FINANCE CHAGES. Periodic Finance Charges are imposed on at transactions lean the date he transaction is posted to yourAcmud until the date you pay your awe
New Balance, by nolu g payments or receiving credits. However, we will provide the followrg'grace period' 0 you paid the New Balance on your pervious being sWer ent by
the Payment Due Date shwm on that stelenhent aid you pay the New Balance by the Payment Due Date on this smrnent we will not impose Parodic Finance Charges on new
purchases, that is, purchases krst appearing on this sutorernL Otherwise. you will receive a biting statement next mouth that wades Paxift Finance Charges on those now
purchases. There is no grace period on balance tasters or cash advances-
We sat your transactions into groups of purchases, cash advances, and balance transfers and then further sat the transactions wimb each group by their Annual Peantage Rate.
For example purcham subpart to a pmxrotma rate and purchases subject to standard rata world be separate groups. We refer to tole groups as transaction categones. Al the
end of each biting period. we oampuli Periodic Finance Charges or each clay of the billing period or each traserArn category We use the blowing equation to ampule Rxndc
for each transaction category Average Daily Beau: x number of days in the billing period x Daly Periodic Rate. (See the finance charge summary on your sWOmaa for base
amounts.) Then we aid up the Periodic Fria ce Charges or each transaction category to get the fiat Periodic Finance Charges for your Aarourd. The average. Daly Balance is
shown as zero if. because of the grace period. no Periodic Finance Charges apply to he balance in a transaction category.
We use the Average Daily Balance including row transactions) method of calcul rig the balance upon which we impose Periodic Fiance Charges. We cornpwe this Average Daily
Balance is each transaction category by adding tip at the daily balances in a bAM period for a transaction calm a and dividing the oral by he number of days a tie billing cycle.
We ampule five daily balance for each transaction calegay on each day by first adding the following to the previous days daily balance. transactions node that day, oars charged
that day and Periodic Finance Charges awned on tot day If a transeckon is posted to your Account alter the dose of the bit" period in which it occurs, we will treat the transaction,
as having occurred on the krst day of the billing period in which it is posted to your Account.
Al fce>R1u faun are added to to standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which ere added to
ko app be castle rdvahce transaction category and Balance Transfer Transition Fee Finance Charges which are added to the applicable balance haskr transaction category
Wham do special rate expires. we move the unpaid balance of the balance transfer and de Balance Transfer Transaction Fee Finance Charges to he standard pudose, t ansectron
category. However, it the special rate has been terminated under the Default Rate Plat, we leave the a npad balance of the balance warder and the Balance Tireskr Trarsaclion
Fee Finance Charges in the applicable transaction category until the special rate would have expired.
For TDO (Telecommuratiom Device for the Deaf) assistance, call 1-11M347-7449.
Discover may mw to actor record telephone cats bets earn you and Discover representatives for quality assurance purposes
The Disavere cad is issued by Discover Banc, Member FDIC.
OITBK107
DISC ?VEI New Balance
$11,709.76
12 SDSN6A010005220
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Minimum Payment Due Account Number ending in 1740
$235.00 Enter Amount Enclosed Below
Payment Due Date $ 1
June 11, 2008 Please make check payable to Discover Card or
pay online ® Discovercard.corn.
Go paperless and make your account
infomration more secure with password-
protected statements only you can access.
Learn more at discovecconNpaperiess.
PO sox 71084 Ill rrrllrrrr.rllrrlrllrrrll
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space Irrlrllrrlurlr?lr,rlnlrlnrllllurlulr,lullnlulnlrlnll
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458146742081117097600000000023500
Discover More Card Account Summary
Closing Dale: May 12, 2008 page 1 of 1
Account number ending in 1740 Previous Balance $11,858.29
Payment Due Date June 11, 2008 Payments And Credits 238.00
Minimum Payment Due $235.00 Purchases + 0.00
Credit Limit $12,700.00 Cash Advances + 0.00
Credit Available $990.00 Balance Transfers + 0.00
Cash Credit Limit $6,400.00 Firarrce Charles + 89.47
Cash Credit Available $990.00 New Balance = $11,709.76
- -- ,
-Yrer# may, f3,64r t{ L2
rhaye?, -wlf9 f,'te
reverse side for details.
Cashback Bonuse Opening Cashback Bonus Balance $ 5.14
New Cashback Bonus This Period + 0.00
Cashback Bonus* Anniversary
Month: June
Cashback Bonus Balance
5.14
Keep building your rewards with every
purchase. Start redeeming once you reach
320 Cashback Bonus(R).
How Can We Hel You?
p
r
1 Visit Discover corn to pay your bit for no cod=X.
latest Account information, cam and redeem nd mans
It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service
Please hove your Discover Card available. options or to speak with a Customer Service Account Manager
3. Write us at Discover Card, PO Box 30943
For TDD (assistance for hearing impaired) see reverse side ,
Sah Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Date Dote
Payments and Credits May 10 May 10 INTERNET PAYMENT THANK YOU $ -238.00
Finance Charge Summary
Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE
RATE: 4.90%. Rate is subject to the terms of the offer including expiration.
8966465 Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE F24ANCE FRANCE
Balances Rates RATES RATES CHARGES CHARGES
current billing period: 30 days
Purchases $2754.61 0.05477% 19.99% V 19.99% $45.26 s0
Cash Advances $0 0.06847% 24.99% F 24.99% $0 s0
Balance Transfers $0 0.01616% 5.90% F 5.90% s0 s0
Balance Transfers $9123.08 0.01616% 5.90% F 5.90% $44.21 s0
The rates that apply to your Account are either fixed (F) or they may vary M as noted above
Yaportant hformadon. t there is more than one pope to this biting statement, see to back of each page for additional in poi lia f edamaton. Q
See you Cardnhenrhbr Agri Your CerdinammbrAgrnxrrharm contains all the forms of your Account 0
z
font or stolen cards. Report immediately! Cat 1-04347.2683. C?
B" Rights Summary. In Case of Enos or Oues;Wns About Your Be: t you think your bill is wrap, or t you need more nfommatian about a transaction on you bi, write to us on a o0
separate sheet of paper at Discover, PO Box 30421, Sell Lake City, UT 641340421, as soon as possible. We must hear from you no Wer than 60 days all we sent you the first bill on ?
which In ens or problem appeared. You can telephone us, but doing so will not preserve you rights. In your letter, give as the fatowing whonnston: N
You name and Amount number. a'
The dollar amnaf of the suspected error
Describe the mor and explain, if you can. why you believe there is an error. If you need more inbnration, describe the hem you are unsure abed
You do not have to pay any amount in quesaw"we are investigating, bet you are slit obligated to pay the parts of you bill that are not in question. Wide we invesiligme your
ques6mn, we cannot report you as d'rnq W or take any action to cotact the amount you question-
..
--tigrrvei N,rr fir m irwi a; ad Pooches": it wvf hevt a f+obkm with fw n.. qpt? yhnAseFSen+er rnkww a i,*»kw wrwda.< w iya .3s n rw ia?m ri+aa wesmaw - _ - . , - _. _.._
the problem wah the merlon, you may not have b pay the remaining amount due on the goods or services. You have this protection only worn the purchase price was more than SSII
and tro purchase was me& in you lame stab or within 1DO miles of you mailing address. (t we own or operate the merdw* or d we mailed you the aduerisernra for the goods or
services. all purchases are covered regardless of the amount or location of purchase.)
Payments. Send any you payment and the top portion of this statement in the envelope provided. Do not send cash By sanding your cheek as described shove, you auhonma us to
use idamaian on your tack to make an electronic lu d Waster from you account at the I ancal istiirton indicated an you dhedk or b process are payment as a flack transaction.
If payment is processed as an electronic bad transfer, the transfer will be for to amount on to dads. Own we use kdomabon from your c had b movie an ebdtmc fund traasbr,
fads may be withdrawn tam you account as soon as the same day we receive you payment. and you will not receive your deck back from your financial inslikow
The processing of your payment may be delayed a you send ash, correspondence or ollm items with your payment if you sad the payment to any other address or if you use an
envelope other than the one provided. Payments received in proper form at our processing facility by 5PM heal am on any day will be credited to your Account as of that day Payment;
received at our processing WATlly after 51"M local we well be credited In your Auxari as of the next day If you have misplaced your envelope. send you payment b Discover . PO Box
6103, Card Stern, IL 601976103. Please allow 7-10 days to delivery. t you payment is rehmed unpaid, we reserve the right to resuhmt t as an electronic debit
You can pay yam miimum payment or a greater amount over the telephone. and you can set up automatic parrents. Call us at 1-800347-2663. You well need this statement end your
bark amount alfomabonn You mast ensue to su ffaw funds are available in your bank account. and all taraactiors no comply with U.S. low. You we be aslked to provide to fret
5 dge of your account statement zip code. By elmrilg pose numbers as your electronic signature, you will be agreeing to to aulhonMon to allow us and you bank to deduct each
payment you authorize from you bank account and to iitiale debit or credit enlnes to you brit accent as applicable; to cored an afer in the processing of such payment You rapt
tell us to amount of each payment, or you can select an amount such as the Miwrun Payment Due or to New Bdrroe on each statement You an tanc?el a payment however we
must receive nonce at leas) three business days in advance of Us scheduled payment You may not6y us by Pam at 1800347-M or by mail at to address isaid n the previous
paragraph. If your payments may vary n assn, we will tell you on each monthly sblenant when you payment will be made and tow moth twill be You Auomaw payment annum
may be less tine indicated on the mammy statement based on credits or payments applied during the biting cycle
Credit Reporting. We may report mformaion abort your account to credit bureaus- tab payments, messed payments. or other defoubs on yaw account may be nderied in you credit
report We normally report to status and payment Malay of your Account to credit reporting agernes each meth. 11 you believe that our report is inaccurate or n xrrplete, please write
us at the following address: Discover. PO Boo 15316, WMnagbn, DE 198545316. Please include you rhea, address, hone Wephu a natr and Aewurht number-
PERIODIC FINANCE CHARGES. Periodic France Changes are imposed on all transactions from the date the transaction is pasted to your Account until to dare you pay your entire
New Balance, by making payments or me-wing credits. However. it you paid the New Balance on your previous biting statement by On Payment Due Date shown on that state en. and
you pay the New Balance by de Payment Due Dab on your anent billing statement, we will not impose Periodic Finance Charges on new purchases, that is, purchases fist appearing
on to current statement. We call to the grace period. Ot hrvnse. you will receive a billing statement next month that includes Periodic Finance Charges an terse new puduses. There
is no grace prod on balance transient or cash advances.
We sot you Irasectios into groups of purchases, cash advances. and balance Venders and then hither sort the transactions wlihm each group by the r Annual Percentage Rate. For
example, purchases subjed to a promotional rate and purchases subject to a standard rate wand be separate W ps. We refer to these gmugs as traae[Lon mbgories. At the end of
each billing print we compute balances and Periodic Fna oe Charges for each day or the biting period ter each transaction category . We use to following equation to compute
Periodic Finance Charges for each trasedilorn category: Average Daily Balance x number at days in to biting period x Daily Peioific Rate. (You may tefer tote Imance charge
summary on your bang statement for tow ate) Then we add up the Periodic Finance Charges for each tasecion category to get to btal Pencidc Finance Charges ter your
Aware. The Average Defy Balance is dm n as are if, because of the pace period, no Periodic Finance Charges apply to to balance in a transaction category
We use the Average Daily Balance (ihdudog new trarnsrdions) method of caWatnj the balance upon which we impose Periodic Rnance Charges Vile compute the Average Daily
Balance for each rasadVah category by adding W all the daily balances in a biling period ten a tansadtion category and dividing fa Vital by the rumba of days in the billing cycle. We
compute to daily balance kr each taseclon category on each day by lest adding the following to to pawns day's daily balance: transactions made tat day, fees charged that day
and Periodic Finance Charges accrued onthe previous daycs daily betence; and by then subtracting any credits and payments tat are applied against to balance of fen transaction
celegoy onto day In calanatktg the deity balance for the first day of the billing period, we consider fa'prewo s day's balance'to have been you balance for each transaction
category on the out day of your previous timing period. If a tersacton a posted to your Account after foe close of the being period in which t occurs, we will bred fa Yansadan as hav-
ing occurred on #is first day of th Wing period is which it is posted to yam Account.
At fees cdaha?rnp? ore added to the Mantled purchase transaction category with the exception of Cash Advance Transaction Fee Finance Changes afidk we added b the
aPPI? -V k asactien category and Balance Trander Transaction Fee Finances Charges which are added to the appicable balance Vander herwasioh category When
a special balance trader rate spies, we move the unpaid balance of the balance Vander ad to Balance Transfer Trasecion Fee Fiance Charges b On sbndad purchase
transaction category However, t tare special rate has been terminated under the Default Rae Fla. we leave the unpaid balance of gin balance taster and to Balance Tta sbr Trans-
action Fee Fnaae Charges in the applicable barmadiorm calegory until the special rate would have expired.
For TDD (Telecommunications Device for the Des!) assistance, please cat 1800 317-7444.
Discover may monitor ardfor record telephone cello between you and Discover representatives for quefity assurance purposes.
The Discover' cad is issued by Discover Bank, Member FDIC.
OITBK170
New Balance
DISCOVER $11,566.32
12 SDSNGA01 0005711
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Minimum Payment Due Account Number ending in 1740
$232.00 Enter Amount Enclosed Below
Payment Due Date
July 11, 2008 Please make check payable to Discover Card or
pay online @ Discovercard.com.
Go paperless and make your account
information more secure with passvwrd-
protected statements only you can access.
Learn more at discover con ipaperkss.
PO BOX 71084 Illnsllunu llsslsllnsll
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space )nIr))u(ni)rllrnln)r)nr)))Iurlnlu)ul) uln)nlrlull
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001cl86458146742081115663 200000000023200
Discover More Card Account Summary
Closing Date: June 12, 2008 page 1 of 1
Account number ending in 1740 Previous Balance $11,709.76
Payment Due Date July 11 2008 Payments And Credits 235.00
Minimum Payment Due $232.00 Purchases + 0.00
Credit Limit $12,700.00 Cash Advances + 0.00
Credit Available $1,133.00 Balance Transfers + 0.00
Cash Credit Limit $6,400.00 Finance Charges
+ 91.56
Cash Credit Available $1,133.00 _
New Balance $11,566.32
reverse side for details.
Cashback Bonuse Opening Cashbock Bonus Balance $ 5.14
New Cashbock Bonus This Period + 0.00
Cashbaclc Bonus Balance S 5.14
Cashbock Bonus* Anniversary
Month: June
Keep building your rewards with every
purchase. Start redeeming once you reach
$20 Cash6ock Bonus(R).
How Can We Hel
You? I Visit Discover corn to pay your big for no cost, view r
p latest Account information, am and redeem rewards and more
It's
our choice - 3 ways to hel 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service
y
p
Please have your Discover Card available. options or to speak with a Customer Service Account Manager
For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943,
Salt Lake City, UT 8,4130
Transactions $O Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Date
Payments and Credits Jun 7 Jun 7 INTERNET PAYMENT THANK YOU $ -235.00
Finance Charge Summary
Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE
RATE: 4.90%. Rate is subject to the terms of the offer including expiration.
8966465 Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FINANCE
palances Rates RATES RATES CHARM CHARGES
current billing period: 31 days
Purchases $2800.71 0.05408% 19.74% V 19.74% $46.95 $0
Cash Advances $0 0.06847% 24.99% F 24.99% $0 $0
Balance Transfers $0 0.01616% 5.90% F 5.90% $O $0
Balance Transfers $8907.86 0.01616% 5.90% F 590% $44.61 $0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
With NEW Online Cash into Checking, Discover(R) Card makes getting the cash you need as easy as the click of a mouse
Just go to Discover.com/cash to transfer cash directly from your Discover Card to your checking account today.
Important Information. It there is more tren one page to this bting statement, see the book of each page for additional important information. in
m
See your Cardmember Agreement Your Cardmember Agreement coma ins al ire leans of your Account.
Lost or stolen cards. Report immediately! Call 1-804347-2683. o
Billing Rights Summary. It Case of Eras or QuestionsAbcrt Your Bill' If you gunk you bill is wrong: or if you need more domiation about a transaction on your bill, wile to us on a o0
separate sheet of paper at Discover, PO Box 30421, Salt Lake City, UT 64130-0421, as soon as possible. We must hear from you no lets than 60 days after we sew you the fast bill on 0
which the enact problem appeared. You can telephone us, but doing so will not preserve you rights. In your letter, give us the following information. N
Your name and Acaurhl nrrAher.
The dollar amount of the suspected ern
Describe ft error and explain, d you can. why you believe there is an error. If you need more information, describe the item you are unsure about.
You do not have to pay arty amount in question while we we investigating, but you are sell obligated to pay the parts of your bill that are not in question. While we investigate you
iuestwm. we cannot report you as detrvphent or take any action to gated the amount you question.
--.???.4....?. .. ?_ C..i-,IkCard PurcbaevsHfyr:i5aief-p- v" tlfe'. -.ei;7+at;>ed+•r..?h?s..hAvennr-??nse•?ect,:,__- g._- _-.
the problem with the merchant. you may not have to pay the remamrig amount due on the goads or services. You have On protection only when the purchase paws was more than $50
and the purchase was made in your home stale or wlbn 100 roles of your mairg address. (t we am or operate the merchant or if we maled you the adverliseentent for the goods or
services, at purchases are covered regardless of the amour or location of purchase.)
Payments. Send only you payment and the top portion of this statement in the envelope provided. Do not send cash By sending you dock as described above. you authorize us to
use irhfomwton on your check to make an electronic fund transfer from you account at the financial bust edion ih6csked on you dock a b process fie paym w as a deck transaction.
If payment is processed as an electronic: ford transfer, the Yansler will be for the amount on the check. When we use nfamation from your died to make an electronic: Grid transfer,
funds may be withdrawn from you accent as soon as the same day we receive you payment, and you will not receive you check back Imm your line ciel ¦s4laon
The processirg of your Payrnaw may be delayed if you send rash, oomespode ion or other items with you payment. it you send the payment to any other edifrasa or 0 you use an
envelope other than the one provided. Payments received in proper form at out processing facility by 5PM local Was on any day will be credited to your Account as of that day. Payments
ieoeivad at our process ill W.14 after "local time wtbecredited to your Account as of fhe next day If you have nis;AwW you envelope, send your payno to Diswm. PO Bm
6103, Cad Stream, 160197-0103. Please allow 7-10 days for delivery. If your payment is retuned unpaid. we reserve the night to resubmit A as an electronic; debit
You can pay your minimum psyrnent ora greater amount over the telephone, aid you can set up automatic payments. Cat us at t-804347-2683. You will reed In statement and your
bank aooodre iAornatran. You must ensure OW sufficient fads are available in you bank account, aril at transactions must comply with U. S. law. You will be asked to provide the list
5 digits of you account slatemeM zip code. By entering tow numbers as you electronic signature. you will be agreeing to In authorization to allow us and you bank to deduct each
payment you authorize from your bank meant and to'rhilaEe debit or credit entries b your bank account as applicable, to owed an aim in the processing of such payment You must
let us the amount of each payment, or you can select an amount such as the Minimum Payment Due or the New Balance on each statement. Yeti can nand a payment. However we
must receive nice at least three business days in advance of the scheduled payment. You may notify us by phone at 1.800347-2683 or by mad at to address hided in is previous
paragraph- If your payrrerhts may vary in amount we will tell you on each monthly statement when your payment wit be nude and how much it of be. Yar Automatic payment amount
may be less than indicated on the no" statement based on credits or payments applied dump hue billing cycle.
Credit Reporting. We may report information about you account to creme bureaus. Late payments, missed payments, or other defauNs on you account may be reflected in your credit
report. We normally report the status and permit history of your Account to credit repontirhg agencies each month. t you believe that out report is naauraks or incomplete, please wrile
us at the following address: Discover. PO Box 15316, Wikrengti n, DE 198545316. Please include you name, address, home telephone number ahdAcwW urrter.
PERIODIC FINANCE CHARGES. Periodic Finance Charges are imposed on all transactions from the date the transaction is posted to your Account wail the dab you My your entire
New Balance. by making payments or receiving credits. However, i( you pain the New Balance on your previous biting statement by th Parrot Due Dark shower an that statement, and
you pay dw New Balance by th Payment Due Date an you current bitting statemerm, we will not impose Pe nodc Finance Charges on new purchases: that a, purdieses first appearing
on the current statement. We cat tuts the grace period. Otherwise, you will receive a billing statement next month then includes Periodic Finance Charges on those new purchases. There
is no grace period on balance transfers or cash advances.
We sad yea transactions info groups of purchases, cash advances, and balance transfers and then further sat the transactions wi8un each group by their Annual Percentage Rate. For
example, purchases subfed to a promotional rate and purchases sub)ed to a standard rate would be separate groups. We refer to t ese grays as transacktn categories At the end d
each billrg period, we ox" balances and Periodic Finance Charges for each day of the biting period for each transaction category. We use the to" equstron to oomPhre
Periodic Firomce Charges for each trasecton category: Average Daily Balance x amber of days in the biting period x Daily Periodic Rae. (You may rein to the intake charge
summary on you billing statement for these, arno rits.) Then we add up tw Periodic Finance Charges for each trasa;tion category to gar the total Periods: Fewce Charges for your
Accent. The Average Day Balance is shown as zero 6. because of the grace period, no Periodic Finance Charges apply to the balance wk a transaction category.
We use the Average Daily Balance (including new tiansadions) method of calculating the balance upon which war nyose Periodic Finance Charges. We compute the Average Daily
Balance for each transaction category by editing up at the daily balances in a biting per iod for a transaction category and dnvding the total by the number of days in the bilking cycle. We
compile the daily balance for each transaction category on each day by first adding the following to the previous day's day balance. transactions made twalt da%lees charged the day
and Periodic Finance Charges accrued on the previous day's daily balance, and by tiers subtracting any credits and payments that are applied against tie balance of the transaction
category on lot day. In calculating the daily balance lor to lest day of the billing period, we consider the 'previous days baance* to have been your IuaI for each transaction
category an the last day of your previous biting period If a transaction is posted to your Account after the close of the biting period in which a rooters. we will hum the transaction as hav-
ing occurred on the first day of the fading period in which A is posted to your Accent.
At fee ?Acmuw are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Fiance Charges which are added to the
appli eh}tiasattion category end Balance Transfer Transaction Fee Frances Charges which are added to the applicable balance tiarsder transaction category. When
a special balance transfer rate expires, we nave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Fiance Charges to the standard purchme
transaction category. However. O the special rate has been lemunated under the Default Rate Plan. we leave the unpaid balance of to balance transfer and fie Balance Traskr Trans-
acbon Fee Finance Charges in it* applicable transaction cat" until the special rate wood have expired
For TOD (Telecommunications Device for the Deaf) assistance, please call t-800.37-7449.
Discover may mood r adkr record telephone cats between you and Discover representatives for quality assurance purposes.
The Discover" card is issued by Discover Bank, Member FDIC.
O1TBK170
New Balance
DISC VER $11,422.90
12 SDSN6A01 0005222
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Minimum Payment Due Account Number ending in 1740
$229.00 Enter Amount Enclosed Below
Payment Due Date
August 11, 2008 Please make check payab6 to Discover Card or
pay online @ Discovercard.com.
Go paperless and mW a your account
information more secure vAh password-
rotected onty you can access.
ear more at discover oorsJpepnsrkss.
PO sox 71084 Ill.r.ll....r.llrrlnllrrrll
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space {n{r{Iu{ru{rl{ur{uIr{nn{{{Inrlu{u!n{lululn{r{n
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458146742081114229000000000022900
Discover More Card Account Summary
Closing Date: July 12, 2008 page 1 of 1
Account number ending in 1740 Previous Balance $11,566.32
Payment Due Date August 11, 2008 Payments And Credits 232.00
Minimum Payment Due $229.00 Purcloses + 0.00
Credit Limit $14,000.00 Cash Advances + 0.00
Credit Available $2,577.00 Balance Transfers + 0.00
Cash Credit Limit $7,100.00 Finance Charges + 88.58
Cash Credit Available $2,577.00 New Balance a 511(422.90
Y,-") n1fV to ovolo Peiiraii_; t:;i;.'33/Lb ?.,lw'sR1Wa s.ii 4's
reverse side for details.
Cashback &muse Opening Cashbock Bonus Bakmce S 5.14
New Cashbock Bonus This Period + 0.00
Cashback Bonus Balance S 5.14
Cashback BonuA Anniversary
Month: June
Keep building your rewards with every
purchase. Start redeeming once you reach
$20 Coshback Bonus(R).
How Can We Help You?
P 1 Visit Discovw can to pay your bi for ee cosy view
latest Account information, can and redearn reward and more
It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service
Please have your Discover Card available. options or to speak with a Customer Service Account Manager
For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943,
Salt Lake City, UT $4130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Dale Date
Payments and Credits Jul 11 Jul 11 INTERNET PAYMENT THANK YOU $ -232.00
Finance Charge Summary
Balance Transfer offer for current billing period: Daily Periodic Rate: 0.02737%, corresponding ANNUAL PERCENTAGE
RATE: 9.99%. Rate is subject to the terms of the offer including expiration.
8966465 Nominal
Transaction
Average Daily ANNUAL ANNUAL Periodic
Fee
Daily Periodic PERCENTAGE PERCENTAGE FMANCE FINANCE
a n Rates RATES RATES CHARGES CHARGES
current billing period: 30 days
Purchases $2847.27 0.05408% 19.74% V 19.74% $46.19 $0
Cash Advances $0 0.06847% 24.99% F 24.99% $0 s0
Balance Transfers $0 0.01616% 5.90% F 5.90% s0 s0
Balance Transfers $8746.35 0.01616% 5.90% F 5.90% $42.39 $0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
Fall fashions breaking the bank? Shop bockdaschool sales through our exclusive online shopping site ShopOiscoverl Earn
5% to 20% Cashback BonUS(R) at your favorite online retailers like Gap, JCPenney, Kohl's and many more. Visit
Discover.com/Shop today)
Important MdoreWian. N there is more than one page to this bung statement, see the beck of each page for adds ional important information. Cl)
See your Cadmember Agreement. Your CardmemEerAgeement cordons alto temps of your Acmud. z
Lost or stolen cards. Report imratialely! Call ISO-347-2683. Ao
B11" Rlgh% Sunmayr. In Case of Errors or Questions Abed Your Bid: N you think your bill is wrong, or it you need more information about a transaction an your bit, wnb to us on a o
°
separate sheet of paper at Discover, PO Box 30421, Sap Lake City, UT 84130-0421, as soon as possible. We must hear from you no later than 60 days offer we sent you the first bill on o
which the am or p ublem appeared. You can Wephone us, but doing so will not preserve you rights. M you fetter. give us to blowing information: N
You name andAccount number. nNi
The dollar amoutof the suspected emar
1h
Describe to armor and erglaih. if you can. WW you behove there is an errs. N you need more informabon, describe the dem you are unsure about
You do not haws b pay any amoud in question while we are nvestgWg, but you are slit obligated to pay the parts of your bid tat are not in gtreshon. Wfde we in to your
question, we cannot report you as delinquent or take any action to coded the arrant you question.
._...,....?:__?:_..._pRwreferi:er.Adt+:xr:3PhwetM.son[NyartrwafiffibfomwiinthnnoaWy.e4ye.:..-
^ the problem with the merchant, you may not have to pay the remei" arnoud due on the goods or services. You have ais protection only when the purchase price was more than sW
and the purdwift was made in your haute We or within 100 miles of your mailing address. (t we own of operate the merchant of it we milled you to advertisement for the goods or
services, ed purchases are covered regardless of the amour or location of purchase)
Paynaras. Send only you payment and the top portion of tie statemard in the envelope provided. Do not send rash. By sending your checir as described above. you ma oaae us to
use infommaaonn at your dedu to make an electronic rand transfer from your account at the financial i lulu art indicated on your cheek or to process the peymora as a dhecu transaction.
If payment is processed as an electronic fund transfer, the transfer will be for to amount an the check. When we use information from your dhaclk to magic an eleratri find transfer,
furls may be hit drawn from your account as soon as to same day we receive your payrnerg, and you will not receive you dhedr bed tam you finsrcel s ailuar .
The processing o (your payment may be delayed if you send cash, correspondence or other items with your payment, I you send tle payment In any otter adbess or ayou use an
envelope other tan the one provided. Payments received in proper form at our processing bality, by 5PM local him on any day will be credited to yo rAocant as of today Payments
received afoot processing taday after 5PM Weal abbe will be cadged to you Account as dthe nabs flay: Nyou have misplaced your envelope, send your payment Discover. PO Box
6103, Coral Stream. 160197-6103 . Please allow 7-10 days for delivery. I your payment is ratmmed unpaid. we reserve the right to resubmit a as an aledrancde6it
You an pay your minimum payment or a greater amount over the telephare, and you can set up automatic peynants. Cat us at 1-000-347-2663 You wad need has statement end you
bank account intonation. You rout owe that sufficient furls are available in your beak account. and all tensections cost comply with U.S. law. You will be asked to provide to fist
5 dglts of your account: stalenad z4 code. By entering #we numbers as you W edmm signature, you will be agreeing lo tB authorization to slow us aced your be# to deduct each
payment you adnonize pan your bank account, and to iikate debit or credo envies to your bank account, as applicable, to caned an amt in the processing of suchPermit You asst
led us to amua of each payment, or you an select an amnomt such as the Warm Payment Due or Its New Balance on each stale mew. You an stud a paymertL however we
must receive notice at least three business days in advance of the scheduled payment You may ratify us by phone at 1000347-2663 or by met at the address Noted in tna previous
paragraph. 9 your payments may vary in amount we ova fell you on each monthly Moment when you payment will be made and how much it will be. Your Automatic payment amount
may be less then indicated on the monthly stale mere based on credits or payments applied during to billing cycle.
Credit RaponN . We may report inlorrrotim about your account to credit bureaus. Late payments, missed payments. or other defaults at your acco ra may be redacted in your credit
repot We normally report the slaws and psymerd history of your Adorn to aedll reporting agencies each month. N you behove that our report a inacc rend er noamplets please write
der at to following address: Discover. PO Box 15316. Wnnngtorh, DE 19850-5316. Please include yam name, address, home telephone number arid Account number.
PERIODIC FWME CHARGES. Penodlc Fiance Charges are imposed on of transactions from the date the tansadiom is posted to your Account ud to dole you pay your entire
New Balance, by matting payments or raving creft. However, it you paid the New Balance on your previous billing statement by to Payment Due Deb sloven an tat statement, and
you pay to New Balance by the Payment Dua Date on your curent bang statement- we will not impose Periodic Finance Charges on now purposes. tot's. purchases Est appearing
on tie current statement. We al In to grace period. Otherwise, you will receive a bidng statement next month that includes Periodic Finance Charges an those new purchases There
is no gran period on balance tasters or ash advances.
We sort your transactions, ado groups of purchases, ash advances, and balance transfers and then further sat the transactions within each gaup by tam Annual Percentage Rate. For
example, pudases skbjax In a pmnotiortal rele and padases sbJBCI to a standard tale wound be separate groups. We leferfoLose groups as hasadam at-9 m i . Althe end of
each biding period, we compute belo oes and Periodic Finance Charges foreach day of the billing period for each transaction category We use the halowyg equation haampts
Parodic France Charges for each transaction category; Average Daily Balance x number of days in the billing period x Daily Periodic Rate. (You may nefer to are knee charge
sumtayr on you killing statement for nose amounts.) Then we add up to Periodic Fxna ice Charges for each transaction category b 90100 Intel Paodc Finance Charges for yak
Accent. The Average Daily Balance is shown as zero t, because of to grace period, no Periodic Finance Charges apply to the balance in a transaction category.
We use the Average Day Balance (induding now trarsactorm) method of cdaaatine t* balance nmprn which we impose Periodic Finance Chances. We wmpute to Average Daily
Balance for each transaction category by adding 141 at the (lady balances in a balm g Period for a transaction category and dvi* the oat by the ihmber of days a to b8mg cycle. We
comptne to daily balance for each transaction category on each day by firm adding the following to the previous day s daily balance : transactions made to day, fees charged tat day
and Periodic Finance Charges accrued an to previous days daily balance : and by then subtracting any trades and payments that are applied against the balance of to transaction
category on that day In calculating to deny balance for the first day of the idling period. we corsida the *previous day's balaraW to have been yak balance for each transaction
category an to lest day of you previous bdWg period- N a transaction's posted to your Accent after the close at the biding period in which a occurs. we will teat to transaction as hav-
ing occurred on to fast day of the billing period in which it is posted to your Accent.
Ail fees WA&Wgount are added to the standard purchase transedion category with the exception of Cash Advance Transaction Fee Finance Charges which are added t o#*
0130 a rsacion category and Balance Transfer Transadton Fee Finances Charges which are added to to applicable balance taster hasadm cdogay. When
a special balance transfer rare expires, we move to anpeid balance of the balance to rider and the Balance Transfer Transaction Fee Finance Charges to to standard purchase
transaction category. However. if the special rose has been terminated under the Default Rate Plan, we leave the unpaid balance tithe balance transfer and to Balance Transfer Trans-
adion Fee Finance Charges in dw appkceble transaction category until the special rate world have expired.
For TOO (fekcommunicstoms Device for the Deaf) assistance, please call 1000447-7444
Diccover may rtonaa "or record telephone calls between you and Discover represenwiti for gmkty assurance purposes.
The Disaovel cad is issued by Discover Boric, Member FDIC.
01781(170
New Balance
DISCOVER $11.285.22
12 SDSN6A010005223
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
,Minimum Payment Due Account Number ending in 1740
$226.00 Enter Amount Enclosed Below
Payment Due Dale $
September 11, 2008 Please make check payable to Discover Card or
pay online 0 Discovercard.com.
Go paperless and make your account
information more secure with password.
protected statements only you can access.
Learn more at discover cornlpaperkss.
PO BOX 71084 Illrrrllrrrsssllsrlsllrrrll
CHARLOTTE NC 28272-1084
Address, e-mail or telephone charge? Print change in space lnlrllulur?r?lurln?r?nr??l ?nrlu?ulullnlnlnlrlnll
above, or go to Discover.com. Print your e-mail address to
-receive important Account information and special offers.
000001986456146742081112852 200000000022600
Discover More Card Account Summary
Closing Date: August 12, 2008 page I of 1
Account number ending in 1740 Previous Balance $11,422.90
Payment Due Date September 11, 2008 Payments And Credits 229.00
Minimum Payment Due $226.00 Purchases + 0.00
Credit limit $14,000.00 Cash Advances + 0.00
Credit Available $2,714.00 Balance Transfers + 0.00
Cash Credit Limit $7,100.00 Finance Charges + 91.32
Cash Credit Available $2,714.00 New Balance = $11,285.22
tlis
+- reverse side for details.
Cashback Bonuse Opening Cashbock Bonus Balance S 5.14
New Cashbock Bonus This Period + 0.00
Cashback Bonus® Anniversary
Month: June
Cashback Bonus Balance $ 5.14
Keep building your rewards with every
purchase. Start redeeming once you reach
$20 Cashbock Bonus(R).
How Can We Help You? 1 Visit Discover can to Pay yarn lei for no cost, view your
P latest Account information, earn and redeem rewards and more
It's your choice - 3 wcrys to help 2. Cab 1-800ANSCOVER (347-2683) for fast, easy self.service
options or to speak with a Customer Service Account Manager
Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943,
For TDD (assistance for hearing impaired) see reverse side Soh Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Uaa'tte
Payments and Credits Aug 9 Aug 9 INTERNET PAYMENT THANK YOU $ -229.00
Finance Charge Summary
Balance Transfer offer for current billing period: Daily Periodic Rate: 0.02737%; corresponding ANNUAL PERCENTAGE
RATE: 9.99%. Rate is subject to the terms of the offer including expiration.
Nominal
8966465 Average Day ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FINANCE FOIANCE
Jlalances Rates RATES RATES CHARGES CHARGES
current billing period: 31 days
Purchases $2894.61 0.05408% 19.74% V 19.74% $48.53 s0
Cash Advances $0 0.06847% 24.99% F 24.99% $0 $0
Balance Transfers $0 0.01616% 5.90% F 5.90% s0 $0
Balance Transfers $8542.90 0.01616% 5.90% F 5.90% $42.79 $O
The rates that apply to your Account are either fixed (F) or they may vary m as noted above.
Fal fashions breaking the bank? Shop Bock-tcZchool sales through our exclusive online shopping site ShopDixxwwl Earn
5% to 20% Cashback Bonus(R) at your favorite online retailers like Old Navy, Sears, Lands' End and many more. Visit
Discover.com/Shop todayl
Important information. N there is more than one page to ltis billing statement, seethe back of each page for additional important information. p
co
See your Cardmember Agreement Your CardmerberAgreement conle s all the tern of your Accoont Z
Lost or stolen cards. Report nmkuediatelyl- Cal 1-800-347.2683. o
Billing Rights Summary. In Case of Boors or questionsAbpA Your Bill: 8 you dirk your bill is wrong, or 0 you need more information about a transaction on you tit, write to us on a
separate sheet of paper at Discover, PO Box 30421, Sal Lake City. UT 64130-0421. as soon as possible. We must hear from you no later twin 60 days after we sent you the first bill on o
which the error or problem appeared. You can telephone us, bid doing so will not preserve your ngMs. in you letter, give us the following informabn: N
Your new and Account number. w
The dollar amount of the suspected error
Describe ire error and explain, dyou can, why you believe there is an error. 9 you need more information, describe the darn you are unsure about
You do not have to pay any amount in question while we are investigating. but you we still obligated to pay the parts of your bill dial are not in question. While we invesagaw your
kpesbon, we cannot report you as deincluent or take any action to collect the amount you question.
61)w e+dRa fQF1'Taft tWdPuniute• fro :M viapi;swa*OnVrrlnMy?fgc sr.sewin?+with nc+•-+
the problem with to merchant, you may not have to pay the remaiig amour due on the goods or services. You have tin protec9ar, only when the purchase price was more can $ett
and the purchase was made in your hone state or within 100 miles of your mating address. (k we awn or operate the merchant or if we mated you the advalaemai for the goods or
services, all purchases are covered regardless of the amour or location of purchase.)
Payments. Send only your payment and the top patio of In statement in to envelope provided. Do not send cash By sendeg you dock as described above. you authorae us to
use adornaum an your dad to make on elecronicc fund transfer from your account at to financial institution indicated on your crack or to process the payment as a check transaction.
It payment is processed as an electronic had transfer, the transfer will be for the amount on the check- When we use information ham your dad to make an deaoic kind trander,
leads may be withdrawn ban your abound as soon as IN same day we receive your payment, and you wig not receive your check bad from your lianciat irkihtion
The prooming of your payment may be delayed dye sad cash: correspondence or other liters with yak payrreM, it you send the payment to any other address or f you use an
envelope other than to one provided. Payments received in proper fan at our processing facility by 5PM local Mina on any day will be credited to your Accent as of 10 day. Payments
received at our processing lecily alter 5PM local time will be credited to your Account as of the next day It you have misplaced your envelope. sent yrxa payment to Discover. PO Box
6103, Card Stream, IL 60197.6103. Please slow 7-10 days for delivery. R your payment is returned unpaid, we reserve the right to resubnrt it as an electronic deW
You can pay your mainan payment or a greater avant over the telephone, and you can set up auaonaac payments. Cal us at 1-800-347-2683. You will need On statement and your
bank amount information. You must ensue that suffxserd hxwlt are available in your bank acmunr, and all transactions must comply with U.S_ law. You will be asked to provide the frost
5 dgas of your aemra stalemad zip code. By entering those ambers as your electric signature, you will be agreeing to this authorization to allow its and you bank to deduct each
payment you atom from your bank account. and to n t ale debil or credit entries b your bank socoo , as applicable, to erect an error in the processing of such payment You naW
Id us the amount of each payment, or you can select an anoint such as to Minimum Payment Due or the New Balance on each sdalenent. You can cancel a papnK however we
must receive notice at least tree business days in advance of the scheduled payment You may Fatly us by phone at 1800-347-2683 or by mail at the address listed n ere previous
paragraph. N your payments may vary in amount we wig tell you on each fnm ty statement when your payment will be made and haw much it will be. Yaw Automatic payned amount
may be less than indicaled on the monthly statement based on credits or payments applied dung the hiving cycle.
Cmdk Reporting. We may report aibnmaUOn about your scan to credit bureaus. Late payments. missed paynreMS, or other delaults on your account may be relecled in your credit
report We normally report Ron shahs and payment history of yourAmours to credo reporting agencies each month. if you believe that our report s inaccurate or incomplete, please write
us at the following address: Discover. PO Box 15316, Wilmington, DE 19050-5316. Please include you name, address, hone teephom number and Actors rumba
PEROW FINANCE CHARGES. Periodic Finance Charges are imposed on all transactions torn der doe the transaction is posted to your Account until the dde you pay- your enure
New Balance, by malrg payments or reommg credits. However, if you paid to New Balance on your previous bung slatennent by the Payment Due Date stow an that staamert, and
you pay the New Balance by the Payment Due Date an you current bit" staleaenl we will not impose Periodic Fiance Charges on now purchases, Rat s, pundneses fast appearing
on the current statement. We call this the grace period. Otherwise, you will receive a b&V statement next month that includes Periodic Franca Charges on those row purchases. These
s no grace period on balance trashes or cash advances.
We sat you transactions ab grails of purdases, cash advances, and balance transfers and then further sat the transadwns wain each group by dw Arrad Percentage Rae For
example, purchases suged to a promotional rate and purchases subject to a standard tale would be separate groups. We refer to Rase groups as transaction cmegaies. At the end of
each billing period. we compute bakinces ad Periodic Finance Charges for each day of to b&V period fa each transaction category . We use the following equation to compute
Perak France Charges for each transactin category: Avenge Deity Babince x number of days in the bring period x Daily Periodic Rate. (You may refer to to 6enee charge
summary on your billing statement for these amounts.) Then we add up the Periodic France Charges fen each rasaaim category to get the total Penoc c Fiance Charges for you
Accent. The Average Daly Balance is shown as zero t, because of to grace period. no Periodic Finance Charges apply to the balance n a transaction category.
We use the Average Daily Balance (ickx ng new transadats) method of calaleirg the balance upon which we impose Periodic Finance Charges We mmpude the Average Daily
Balance for each transaction category by adding up all the daily balances in a billing period fen a transaction category and dr4K6V the total by the nurbeer of days in the biting cycle. We
mmpuae to daily balance for each transaction category on each day by last adding the tolotig to the previous day s daily balance: transactions made that day. fees charged that day
and Periodic Fiance (urges accrued on Re previous days daily balance; and by ten subbtramng all credits and payments that are applied against the balance of the transaction
calegay on to day In calculating the daily balance for the first day of the billing period, we consider Ra'previxs day s balance' to have been your baance for each transaction
category an the last day of your previous biting period. If a transaction is posted to your Account otter the dose of the biting period in which a occurs. we will treat to transaction as hew-
ing occurred on the first day of tte billing period in which it is posted to your Account.
Al fee6? r? ,to,?ihr? are added to Re standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the
o>Fpkce nsactio category and Balance Transfer Transition Fee Finances Charges which are added In the applicable balance uasfa transaction category When
a special balance transfer rate expires, we move the unpaid balance of Re balance transla and the Balance Trader Transaction Fee Finance Charges In the standard purchase
transaction category. However, ( the spacial rate has been termkated under the Defalt Rae Plan, we leave the unpaid balance of the balance transfer and to Balance Trends Trans-
action Fee Fihace Charges in the applicable trasacion category utt the special rate would have expired.
For MD (Telecommunications Device for the Deal) assistance, please call 1-8"7-7449.
Discover may monitor actor record telephone cape between you and Dsoa a representatives for quality assurance purposes.
The Dscove- card is issued by Discover Bank, Member FDIC.
OITBK170
DISC VER New Balance
$11,150.46
12 SDSN6A010005224
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Minimum Payment Due Account Number ending in 1740
$223.00 Enter Amount Enclosed Below
Payment No Date $
October 11, 2008 please make check payable to Discover Card or
pay online Q Discovercard.com.
Go paperless and make your account
information more secure with passward-
Watected only you can access.
Learn more at discover com1paperlow.
PO BOX 71084 Illsrrllrrrrsrllrslrllrrrll
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space lulrllnlnrlrllurlnlrlurllllrulnlulullulululdnll
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458146742081111504600000000022300
Discover More Card Account Summary
Closing Date: September 12, 2008 page 1 of 1
Account number ending in 1740 Previous Balance $11,285.22
Payment Due Date October 11, 2008 Payments And Credits 226.00
Minimum Payment Due $223.00 Purchases + 0.00
Credit Limit $14,000.00 Cash Advances + 0.00
Credit Available $2,849.00 Balance Transfers + 0.00
Cash Credit Limit $7100.00 Finance Charges + 91.24
Cash Credit Available $2,849.00 New Balance - $11,150.46
-- ........_ __ ._. _ _ _ - ??t:AY?ftl?'.iXaO-..trecWrrV+ft7ri.?7e-?'?i+tanc>rre ??r.ne?.
reverse side for details.
Cashback Bonuse Opening Cashback Bonus Balance $ 5,14
New Cashback Bonus This Period + 0.00
Cashback Bonus® Anniversary
Month: June
Keep building your rewards with every
purchase. Start redeeming once you reach
$20 Cashback Sonus(R).
Cashbadc Bonus Balance $ 5.14
1 Visit Discover com to pay your bill! for no test view your
How Can We Help You7 . latest Account information, own and redeem rewords and more
It's your choice - 3 ways to help 2. Call 1-800-0ISCOVER (347-2683) for fast, easy self-service
options or to speak with a Customer Service Account Manager
Please have you 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
Payments and Credits
$0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Date Date
Sep 10 Sep 10 INTERNET PAYMENT THANK YOU
$ -226.00
Finance Charge Summary
Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01367%; corresponding ANNUAL PERCENTAGE
RATE: 4.99%. Rate is subject to the terms of the offer including expiration.
8966465 Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FINANa F*W4CJE
glances Rates RATES RATES CHARGES CHARM
current billing period: 31 days
Purchases $2943.54 0.05408% 19.74% V 19.74% $49.35 $0
Cash Advances $0 0.068471% 24.99% F 24.99% $0 $0
Balance Transfers $0 0.01616% 5.90% F 5.90% $0 $0
Balance Transfers $8363.92 0.01616% 5.90% F 5.90% $41.89 $0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
Ready for football season? Get everything you need for the big game and earn 5% to 20% Cashback Bonus(R) when you
shop online at over 100 top retailers like Circuit City, Sports Authority and Omaha Steaks through ShopDiwww Visit
ShopDiscover at Discover.com/shop todayl
Important Information. t there is more Mien one page b On billing statement, see the trade of each page for editorial inportant infamat on. p
See your Cardmember Agreement Your CatdmeiberAgreement oontairm all the terms of you Accent. z
Lost or stolen cards. Report irmiediately! Cal 1 00.341-2663. o
Biding Rights Summary. In Case of Eras or Questions About Your Bb It you tlnk your bill is wring. or 0 you need more iAonrreaai about a transaction on yarbil. write b us on a a
separate sleet of paper at Discover, PO Box 30421. Sorb Lake City, UT 64130-0421. as soon as possible. We must hear bum you no later than 60 days after we ads you the kg bill on
which the area or problem appeared. You can WAplone us, but doing so will not preserve your nghts. In your lemes. give us the blowing niamaeorc N
Your name and Account number ra
The dollar amount of the suspected error
Describe tie era and explain, it you can, why you believe there is an are. N you need more information, describe the don you are unsure about.
You do not have to pay any amount in questonwh7e we are investigating, but you are ski obligated to pay the pats of yaw bill that are not in quesbn Nate we investigate your
question wf` -r4 report you as dekhWW or take my acaorh to toted Mme amount you mmbon.
Spa ikhit:^ft Sods ^ad:N*tItMiw'IT1%.-uI-Avi *-a 0 an
the problem wstn the merdent, you may not have to pay the ramming amount due on the goads or services. You hove tiffs protection a* when the purchase pace was more tun $50
and to purchase was made in you home state or w4hih 100 miles of yes mailing address. (t we can a operate it* merchant or if we mated you the adwobsomd lor to goods or
services. all purchases we covered regardless of the amour of bceuon of purchase )
Paymamts. Sad only your payment and to top porlon of to statement in tle envelope provided. Do not send each. By sending you check as described above. you surhaee its to
use nfomelon on your dad in make an ela cox lurid transfer bum your account at the lievicial i sit art mm indicated on your died or to process to payrnentan a duce taneecam.
If payment is processed as an eleetratc hid transfer, the trawler will be for to amount an to check When ww use nbnmatiom him year check to male an derfac fed tra alar,
hods may be withdraen loom your account as sow as the same day we room your payment, and you will not receive your died bade ban your fnahcid i s iAw
The processing d your payment maybe delayed M you sad cash, correspondence or other deres with your psrmerd- i you sad tw payment to any other address or if you ties an
envelope other ten the one provided. Payments received in proper tam at am pmomi g lacky by 5PM local we on any day will be credited to your Account an of to day- Painneft
received at our process" facility after 5PM local time will be credited to yourAccoimt as of the held day- 0 you have meplaced your envelope. send your payment to Discover. PO ON
6103, Cad Scream, it. 60197-103. Pkrese allow 7-10 days for delivery. M your payment is rearmed unpaid. we reserve the right In, resubnw A as an eleclamic debit
You can pay your minimum payment or a greater amount over the telephone, and you can sat up automatic payments. Cal us at 14)00-347-M3. You will need Mic sbkvrien[ and your
bate account ifametian. You must ensure to sulaamt fads ore available in your hate accord, and all transactions mast campy *0 U.S. law You will be asked to provide the bet
5 digits of your account "word zip code. By entering those numbers as your electronic sipaare, you will be aghaag to its authorization In allow us and your be * b do" each
payment you autnree from your bat( account, and to mitate debt or as& entries to you belt account, as applicable, to cored an error n the processing of such pyineirt You must
tat us lies amount of each payment, or you can select an won such as the Miniani Payment Due or the New Balance on each stale end You can, I rea payment hownerwie
mat receive notice at bast tine business days in advance of the scheduled payment. You may notiy us by phone at 1400147-2603 or by mad at the address fisted m Mo previous
paragraph. M your payments may vary in amount, we will let you on each monthly statement wtenn your peyneard will be made and haw much A wit be. Your Adoreaac payment amou i
may be lase than rhdicakd on Ire monthly statement based on credits or payments WOW during do billing cycle.
Credit ReporWg. We may report nfermatiw about you account to credit bureaus.. reporting .wip..syrnerds, mated psymenle. or otardetaubs on your a cot may be ceteead in yaw as&
report We normally report to sues and payment history of your Account to crest repaWhg agencies each month. Kyeu believe that our spat is inaccurate or ncompba, planes wniu
as at it* bowing address: Discover. PO Box 15316. Wk wgbn. DE 191150-5316. Please include your name, address, tame telephone number and Account number.
PERIODIC FINANCE CHARGES Periodic Finance Charges am imposed on all basactim tan the time to transaction is posted to your Accent utt to date you pay your acre
New Balance, by making payments or moo ving credits. However. A you paid Me New Balance on your previous bung statement by to PayrneM Due Dale shown an that statement. and
you pay the New Balance by tw Payment Due Date on your arrest billing statement, we will not inpose Periodic Finance Charges an mew purchases, that k pusdmes first a ppeaig
on to arrant statement. We cat In the pace period. Otherwise, you will receive a burg statement next month that includes Periodic Finance Charges on Lose new puniuses. There
is no grace period on balance transfers or ash advances.
We sat you transactions into peps of purchases, ash advances, and balance transfers and then lather son the transactions wkM each group by their A real Percentage Rate. Fa
example, purchases sublet to a promotional rate and purchases wb od to a standard rate would be separate groups. We refer b these groups as transaction ategones. At the end of
each Mang period, we compute balances and Periodic Finance Charges for each day of Mhe burg period for each transaction cetegory. We use the fotowirg egmmim to ow"
Periodic Fiance Charges for each tramaaCbmrl calagay: Average Defy Balance x number of days in to billing period x Daffy Periodic Rate. )You may rela to to firmernce charge
summary on your Will statement lor these amounts) Then we add up to Periodic Finance Charges bit each transaction category in, get the btal Periodic Fiance Charges la yar
Accent. The Average Day Balance a down as zoo if, because of the grace period, no Periodic Finance Charges apply to the balance in a transaction category
We use the Average Daily Balance (^O"^'^tl new transactions) method of calculating the balance upon which we wpm Periodic Fiance Charges. lNe oanpAe the Average Daily
Balance fa each transaction category by adding up at de daily balances in a billing period fir a transaction allegory and divdig are -tad by the number drays a tw bung c)de. We
compute the daily balance for each transaction category on each day by first adding tie following b the previous dy"s daffy balance: trena Lions made that day. saes do that day
and Periodic Finance Charges accrued on the previous day's day balance: and by then subtracting any credits and payments that are applied aganst tie balance tithe trasaciw
category an that day. In almilsarg to daily balance for the kst day of the brig period, we consider te'preAom day's balance' to have been your balance for each transaction
category on the last day of your previous biting period. it a transaction is posted to your Accent after the dose of the bang period in which it occurs. we wit treat to lrensadm as hav-
ing axxned on the first day of the bbwV period in which it is posted to your Aocotat-
At ties ? tcpp99QQ ore added b tle stemmed purchase tirheaction category with l e exception d Cash Advance Transaction fee Finance Charges which are added to Mme
applicat??saciw category and Balance Transfer Transaction Fee Frances Charges which tiro added to the applicable balance trarefer transaction category. When
a special balance transient rate expires, we move the unpaid balance of the balance trmsfer and the Balance Transfer Transaction Fee Finance Charges to this, sbnhder I Purchase,
transaction category However, if to special rate has been letmiriated under tile Default Rae Plan, we leave to unpaid balance of the balance transfer and the Balance Transfer Trans-
action Fee Finance Charges in I fie, applicable transaction category until the special rate would have expired.
For TOO {Telecommunications Device for do Deaf) assistance, please call 1400.347.7449.
Discover may monitor adlor record telephone ants between you and Discover representatives lor quaky assurance purposes.
The Discover"• card is issued by Discover Barre. Member FDIC
OITBK170
New Balance Minimum Payment Due
DISCOVER 611,015.61 16221.00
Payment Due Date
November 11, 2008
12 SDSN6A01 0005225
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Account Number ending in 1740
Enter Amount Enclosed Below
11
Please make check payable to Discover Card or
pay online 0 Discovercard.com.
Go paperless and make your account
information more secure with password-
protected staternents only you can access.
Learn more at discover caNpaperless.
PO BOX 71084 Illrrrll""rsllsslsllrrrll
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space ?rrlrlln?nrlrllnr?ulrlnr?l?lnr?nluln llulululr?ul?
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers-
000001986458146742081110156 100000000022100
Discover More Card Account Summary
Closing Date: October 12, 2008 page 1 of 1
Account number ending in 1740 Previous Balance $11 150.46
Payment Due Date November 11, 2008 Payments And Credits 223.00
Minimum Payment Due $221.00 Purchases + 0.00
Credit Limit $14,000.00 Cash Advances + 0.00
Credit Available $2,984.00 Balance Transfers + 0.00
Cash Credit Limit $7,100.00 Finance Chaffs:
- + 88.15
Cash Credit Available $2,984.00 Now Balance - 101 n1 S 61
reverse side For details.
Cashback Bonuse Opening Cashback Bonus Balance $ 5.14
New Coshback Bonus This Period + 0.00
Cashback Bonus Balance $ 5.14
Casbback Bonus -Anniversary
Month: June
Keep building your rewards with every
purchase. Start redeeming once you reach
$20 Cashback Bonus(R).
How Can We Help You? 1 Visit Discover.com to pay your 6A for no cost, view your
latest Account information, earn and redeem rewords and more
It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy selhservice
our Discover Card available.
Phase have y dons or to speak with a Customer Service Account Manager
For TDD assistance For heart see reverse side
( n9 impaired)
. Write us at Discover Card, PO Box 30943,
3
Sal Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Date Date
Payments and Credits Oct 9 Oct 9 INTERNET PAYMENT THANK YOU $ -223.00
Information For You
Balance Transfer offer(s) for turned 6969 period: -
Daily Periodic Rate: 0.01367%; corresponding ANNUAL PERCENTAGE RATE: 4.99%
Finance Charge Summary
8966465 Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FINANCE F1NANCE
Balances Rates RATES RATES CHARGES CHARGES
current billing period: 30 days
Purchases $2992.48 0.05408% 19.74% V 19.74% $48.55 s0
Cash Advances $0 0.06847% 24.99% F 24.99% $0 $0
Balance Transfers s0 0.01616% 5.90% F 5.90% $0 $0
Balance Transfers $8170.83 0.01616% 5.90% F 5.90% $39.60 $0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
Need Cash? Whether it's for an unexpected bill, an emergency car repair or your kids' school activities, Discover(R) Card
can always help. Get cash at ATMs nationwide or have money deposited directly into your bank account. Visit
Discover.com/cash to find out more.
Important Information. N there is more than one page to this biting statement, see the back of each page for additional important itrrmabori p
See your Cadmernber Agreement Your Cardmernber Agreement contains all the terms of your Acmkxt Cl)
z
Lost or stolen cards. Report nanediately! Cal 1800.347-2683. o
Billing Rights Summary. In Case of Enos or Ouastions About Your Bill: If you think you bill is wrong, or t you reed more information about a traction on your bill, write to us on a o
separate sheet of paper at Discover. PO Box 30421, Sal Lake City, UT 84130-042 1, as soon as possible. We must hear from you no later than 60 days after we sea you the first bill on D
which tte am or problem appeared. You can telepltwte us, but doing so wd not preserve your tights. In your fetter, give us the following inkicnialon:
You name andAcmud number.
The doles amarht of the suspected error
Describe Ire error and explan, if you can, why you believe there is an error. It you need more information, describe the item you are unsure about.
You do not have o pay arty mom in question while we are IMM-Aigatng, but you are still obligated to Pay the pads of you bill chat are not in questiert. While we investigate you
ours+irn+ W? ^^..?+^....n ;+,. . at Aelivment or Mks any Ackin to m4erl the >ma!ni Wu gnrestivl
a,j ?o- x_.tr'w to to a eter nt ?? `?? - w . ;4 ,,..,it.
e was more than h50
the problem with the merchant, you c not have pay Ire remanrg amount due on the goods or services. You have this protection iom only Wlhen to Purchase price
and the purchase was made in yow home scale or within 100 miles of your address. (t we own or the merchant or if we mailed the advertisement for me goods or
services, at purchases are covered regardless of the amount or bealion of purchase.)
Payments. Send only you payment and rte tap portion of to stmemed in the envelope provided. Do riot send cash. By sending your clack as described above. you authorize us to
use ihonnatiah on you check to make an elemmic fund treater from your account at the financial rhsUlution indicated on you dhedo or to process the payment as a duck transaction.
If payment is processed as an elertonic find tauter, the transfer will be for the amount on to check. When we use nomeeon from you check to make an eledoric find Vander,
fads a" be withdrawn from your account as soon as the same day we receive you payment, and you will riot receive you check back from your francref irhsllson.
The processarg of you payment may be delayed if you send cash, correspondence or other items with your payment, t you send the payment to any other address or d you use an
envelope other fah the one provided. Payments received in proper form at cut processing fadity by 5PM local time on any day will be credited to,/= Account as of tail day Payments
received at our processing bc*ty alter 5PM led ere will becred od to your Account as of the rlextday If you have misplaced your envelope, send your paynmevtto Discover. PO Box
6103, Card Stream. IL 60197.6103. Please allow 7-10 days for delivery. If you payment is retuned uhpad, we reserve the right to resubmit it as an eiecaonic debit
You can pay you miunxrn payment or a greater amount aver the telephone, and you can set up auomeec payments. Cat us at 1-800-347-2683. You vet need this statemed and your
bank amount nfatnetar. You mat ensure that sufficient funds are available in your bank account, and at transactions must comply with U. S. law. You will be asked to provide the first
5 digits of you account statement zip code. By en" those numbers as you eledravc signature, you will be agreeng to this authorization to allow us and yoir bank to deduct each
payment you authorize from your bank account, and to nitete debit or crack entries o you balk acocrht, as applicable, to owed an error in the processing of such payment You mist
fell us the atttotrt Mead/ payment, or you an select an amen/ such as the Minimum Paymerll Due or the New Balance on each statement. You can tercet a psytrat, however we
mast receive noboe at least three business days in advance of the scheduled payment. You may notiyr us by phone at 1800347-2683 or by mat at the address iced in che previous
paragraph. If you payments may vary in amount we will tell you on each monthly staler erd when your payment will be made and how much d ail be. Your Automatic pnyrnent amnoud
may be less than indicated on the monthly slats mehl based on credits or payments applied during the billing cycle.
Cedt Reporting. We may report nformation about your a out to credit bureaus. Late payments, missed payments. or other defaults an you account may be retected in your credit
report We normaly report the stales and payment history of your Account to credit reporting agencies each month. If you believe tat our report is nacc rate, or incomplete, please vote
us at the following address: Discover. PO Box 15316. WMirgten, DE 19850.5316. Please include you name, address, hone telephone number and Account number.
PERIODIC FINANCE CHARGES. Periodic frence, Charges we imposed on at transactions from the date the transaction is posted to you Accord u bl the date you pay you entire
New Balance, by waking payments or rece nit; credits. However. it you paid the New Balance on your previous billing statement by the Payment Due Date shown on tat statement, and
you pay to New Balance by the Paymert Due Dote on your anent biting statement we will not impose Perkdlo Finance Charges on now purchases, that is, purchases fist appearing
on the current statement. We cal to the grace period. Otherwise, you will receive a biting statement next month that includes Periodic Finance Charges an those now punduses. There
is no grace period on balance transfers or cash adoahces.
We sod your transadions into groups of purchases, cash advances. and balance transfers and then firths sort the transactions within each grail by their Arvhuat Paoantege Rase. For
example, purchases subject to a promotional rate and purcMses subject to a standard tale would be separate groups. We refer to these groups as transaction categories. At to end of
each Wag period, we computer balellces and Periodic Finance pages for each day of to bong period for each transaction category. We use to folowirg actuation to compuse
Periodic Fiance Charges for each tarsach m cakrW Average Deily Balance x number of days in to N" period x Daily Periodic Rate. (You may refer to the manse charge
summary on your billon g statement for these amounts.) Then we add up to Periods Fiance Charges for each transaction category o gd the total Periodic Finance Charges for your
Amount. The Average Daily Balance is shoan as zero 9, because of Ow grace period, no Periok Finance Charges apply to the bdww in a transaction category.
We use the Average Daily Balance (xdudhrg new transactions) method of calculating the balance-upon which we repose Periodic Finance Charges. We compute to &eFage Drily
Balance for each transaction category by adding up all the daily balances in a bting period for a transaction category and dividing the total by the number of days in the biting cycle. We
compute to daily baience or each transaction category on each day by first adding the Io owig to the previous day s daily balance: transactions made that day fees charged that day
and Periodic Finance Charges accrued on to previous day's daily balance; and by tlah subtracug arty credits and payments that are applied against to balance of the transaction
category on to day. In calc taling the daily balance for tle Itst day of the billing period. we confider the'previous day s balance' to have been your bainoe or each trasaclim
category on to lest day of your previous biting period. If a transaction is posted to your Accent after the dose of the hitting period in which t oaus. we will treat the transaction as hav-
ing oaxrred o r the first day of the bill period in which d is posted to your Account.
At ie? Die added to to standard purchase trasac6m category with the exception of Cash Advance Transaction Fee Finance Charges which we added to tla
appkr?t eersaction category and Balance Tra der Trahsa tom Fee Fnamces Charges which are added to the applicable balance tralder earsacixn category When
a spaced balance transfer rate expires, we move the unpaid balance of the balance transfer and to Balance Transfer Transaction Fee Finance pages to the standard purchase
trasectiorh cetegay. However. t to special rate has been terminated under the Default Rate Plan, we leave to unpaid balance of to balance transfer and the Balance Trardev Trans-
action Fee Finance Charges in the applicable transaction oalegay until the special rate ward have expired
For TOO (Telecommunications Device for the Deal) assistance, Please call 14110.347-7449.
Dmover may mor" ardor read telephone cats between you and Discover representatives for quality assurance purposes.
The Dismver• cad is issued by Discover Bank. Member FDIC.
OIT13K170
New Balance Minimum Payment Due Account Number ending in 1740
$10,883.02
D'J%r VER $218.00 Enter Amount Enclosed Below
Payment Due Date $ 1 1
December 11, 2008 Please make check payable to Discover Card or
pay online 0 Discovercard.com.
12 SDSN6A010005226
DOUGLAS ROSS
Gopaperlessandmake your account
infomnation more secure with password-
SERLA ROSS pproWedstaternenlaonly youcenaccess.
510 LAMP POST LN Learn more at disc
oveccotrYpaperfkss.
CAMP HILL PA 17011-1429
PO BOX 71084 III+rrllsrs++sll•slrll++rll
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space In?rl?rr?nrlr??rulrrI rlurI lllnrlnlrr1nllolls lnlrlrrl1
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458146742081108830200000000021800
Discover More Card Account Summary
Closing Date: November 12, 2008 page 1 of 1
Account number ending in 1740 Previous Balance $11,015.61
Payment Due Date December 11, 2008 Payments And Credits 221.00
Minimum Payment Due $218.00 Purchases + 0.00
Credit Limit $14,000.00 Cash Advances + 0.00
Credit Available $3,116.00 Balance Transfers + 0.00
Cash Credit Limit $7100.00 Finance Charges + 88.41
Cash Credit Available $3,116.00 New Balance $10,883.02
--Whc
reverse side for details.
Cashback Bonuse Opening Cashback Bonus Balance $ 5.14
New Coshbock Bonus This Period + 0.00
Cashbock Bonus Balance $ 5.14
Cashback Bonus® Anniversary
Month: June
Keep building your rewards with every
purchase. Start redeeming once you reach
$20 Cashback Bonus(R).
How Can We Help You? 1 Visit Discovercan to pay your bill for no cost =and latest Account information, earn and redeem rowards and mom
It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347.2683) for fast, any sehfservics
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 see reverse side
( impaired) SaN Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Date Date
Payments and Credits Nov 9 Nov 9 INTERNET PAYMENT THANK YOU $ -221.00
Information For You
Balance Transfer affwjsrf6rcurreW1lA ing period:
Daily Periodic Rate: 0.00819%; corresponding ANNUAL PERCENTAGE RATE: 2.99%
Finance Charge Summary
8966465 Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fees
Daily Periodic PERCENTAGE PERCENTAGE FNIANCE FINANCE
Dolances Rates RATES RATES CHARM QW-MS
current billing period: 31 days
Purchases $3040.98 0.05134% 18.74% V 18.74% S48,40 $0
Cash Advances $0 0.06847% 24.99% F 24.99% $0 $0
Balance Transfers $0 0.01616% 5.90% F 5.90% $0 SO
Balance Transfers $7988.86 0.01616% 5.90% F 5.90% $40.01 $0
The rates that apply to your Account are either fixed (F) or they may vary M as noted above
Ship Freel Discover Gift Cards ship FREE and come in a variety of holiday designs. Choose any dollar amount karn $20 to
$500 - and PERSONALIZE with a name and greeting. Good for purchases at millions of locations. Browse and buy at
DiscoverGiftCard.com/holiday
Important Information. I there is more than one page b Nis bing statement, see the bade of each page for a kloki nor important idamahm. p
Sea your Cardmember Agreement Your CardmemberAgreement curtains all the terms of your Account 0
Lost or stolen cards. Report nnhediarely! Cat 1.800.347-2683. C?
Bfffag Rights Summary. In Case of Brors or Questions About Yw Bit: N you think you bill is wrap, or it you need more n(onnaton abort a transition on your bill , wnle to us on a o0
separate sheet of paper at Discover, PO Box 30421, Sat Lace Cry, UT 84130-0421, as soon as possible. We must hear from you no laser than 60 days after we sent yw the first bill on
which to era or problem appeared. You can leleptione us, bud doing so will not preserve your rights. In your letter, give us the lolowwng Wormaboa_ N
Your name and Account number. rn
The dolor amount of the suspected err
Describe the env and explain. Iyou an, wiry you believe there is an error. N you need more W rmaUOn, describe the item you are unsure about.
You do no have b pay any amount in question whis vie are eavestigasM, but you are still oblipled In pay the parts of your bill that we nit n question. Wide we inresigsle your
question. we arnot remit •^? +e delis Wt or take any action to cased the amount you question.
N teveg4:tirtotlnTne 7 , cwsedl^>'rr:xfv+xrfrakwr7iea9ir. urtCZ5t1' ___ . - -..._ _._ :.
to proton mM ft merchant, you may rat hove to pay the rert a r" amours due an to goods or services. You have ft praectiah only whim to purchase pace was more than $50
and the pudmse was made an you hone state or wilts 100 miss of your mailing address- (N we own or opaek to madtaK or if we mailed you the advabsome t for tie goods a
services, all purdnases weoovaed regardless of to amount or beam of purchase.)
Payments. Send only your payment and the top punish of this statement n the envelope provided. Do not send cash. By sending your check w described above. you aMrorme us to
use nbrmaion on your crack to make an electronic kind transfer from you account at to financial rsiiWOn indicated on your toad[ or to process to payment as a check transaction-
If psyment is processed as an eteararic food transfer, the trans* will be for the amount on the deck When we use nfo naion from your dark b make an decao o; furl transfer,
furls may be withdraw from you account as soon as to same day we receive you paynien, and you will not receive your deck back from your It so vaillow
The Processing o( your paym end may be delayed Iyou send ash, correspondence or other items with you payment. #you sad the paymiert b any elher address or t you use an
onvdape other Nan tie one provided. Payments received in proper form at our processing facility by 5PM local tote on any day will be credited to your Account as of to day Payments
received at our processing lady after 5PM local bone hvi be credited to your Accourdas of lie next day- If you have misplaced you w4etape. send you laymentb Discover. PO Box
6103, Card Stream. IL 60197-6103. Please allow 7-10 days for delivery N your Payrma is returned uhpeid, we reserve to right b resubmit t as an electronic dolt
You can pay your mennrn payment or a greater anent over the telephone. and you an set tip aubmeic payments. Cat us at 1-800.347-2683. You will reed this statement old your
book saou t nfomabn. You must ensure that sufficient kinds are avabble in your balk account, and at transactions must comply with U.S. raw. You will be asked b provide to list
5 digits of your scout stale erd ap code- By enfe irg those numbers as your elechorhic sipraNe. you will be agreeing to to a thoriosfrah to allow to and your bank b deduct each
payment you euhorcre ham your bank account. and to o tiate debit or credit erdnes to your bank eccarrhL as applicable, b correct an error in Nie processeg of such pa}anaa. You must
all a the amount of each peyrrhat, or you an soled an amount such as ire kkrinem Payment Due or the Now Balance on each statement You can caned a payment however we
must receive notice at bast three business days in advance of ft scheduled payment. YOU may notify us by Own at 1 MI-117-2663 or by mad at to address haled in to previous
paragraph. Nyour payments may vary n amount we we leg you on each monthly statement when your payment will be made and how muds it wit be. Your Aulanoic peytrmt groat
may be loss Ilan rdicaled on the nronNly statement based on Rattle or payments applied during the billing cycle.
Credit ReporNrq. We may report information abet your a omrot b credit bureaus. Late paKterts. missed pehyrtents, holler defaults on your Bawd may be rdeded in your aedil
report. We normally report the a" and payment Ivstory of you Acoml to credit reporting agencies each mode. Nyou believe Out our report is insoaese or inompbte. please vote
us at the following address: Discover. PO Box 15316. Wdmigbrt, DE 19850-5316. Please include your name, address, hone to iptione nrnbt and Account amber
PEROM FINANCE CHARGES. Periodic I n *= Charges are imposed on all trahaaGi0ne from its dose the transaction is posted to your Amwt until to dab yw pay you attire
New Balance, by mlal0%payments or reixsuag credits. However, it you paid the New Balance on your previous billing stafamem by the Payment Due Dote show at dot sWenant, and
you pay to New Bdence by Ne Payment Due Dab on you current bung statement, we will not impose Periodic France Charges on new pedases, to is, prrdmes fast apprwring
on the Rmerd statement. We cat this to grace period. Otherwise, you will rece" a baling statement next month tar nGkdes Periodic Finance Charges an tow now purchases. There
is no grace period on balarce transfers or taste advaces.
We on your transactions, irtb grape of pkrdwses, cash advances. and balance hamsters and am (utter sal the h8lsddgn5 wahine each Wow by their Amud Percentage Rate. For
example, purchases subject b a prornobonal tale and purchases sub)ed to a standard rate would be separate groups. We relerto dies e, groups as trelaaekhih aMguies. Ad ft and of
each billing period, we comptee balances aid Periodic Fiance Charges for each day of the bdimg period for each hsisadim co" Wyme use On Mo veg a leafm to oonpule
Periodic Forma Charges for each basecNut category: Average DeiTj Balance x amber of days n to b&% perod x Daily Periodic Refe. (Your may reft b to is we dirge
summary at your billing statement for tow anoumis.) Then we add up to Periodic Fiance Charges W each trmsec4on category b get the beat Perak From gorges for you
Account. The Average Deily Balance is shown as zero h, because of One gram period, w Periodic Finance Charges apply b the betance in a bar"cicn eafegory.
We use the Average Defy Balance (including new hansedhons) method of mk?doing the balance upon which we impose Periodic Finance Charges. We cargMe the Average Deily
Balance for each transaction category by adding tip all the daily balances in a cdimg pen Dd for a hatmactim category and dividing the k" try the number of days a to b ng cycle. We
cornpub to daily balance for each sareaGm cawgay on each day by first adding to fotowng b the previous day `s daily balance : ba111578eka1K made tat day. fees rihasged that day
and Periodic Fiance Charges emhred on the previous day's dairy balance: aid by then su6hacing any credits and payments hall are applied aganst the bstermoe of to tarsscion
category on Met day In calculating the daily bloke for On fro day of the being period, we consider ter'previous day's balance' b have been your bob" for each hmsacfah
category on the lest day of your faevnms tiling period. Na hansi dioh is posted so your Account after the dose of to Ming period in which it occurs. we will last the tnmsadrot as hav-
ing occurred on tae tirsl day of tlhe biehg period in which it is posted to your Account.
At fees are added to to standard purchase transaction category with the exoepfon of CeshAdvence Transaction Fee Finance Charges which are added to thou
epplix>f ?sedr , category and Balance Transfer Transaction Fee Frances Charges which are added b to applicable balance eansko trafwae40m casgory. WNhen
a specter balance transfer role expires, we move the unpaid balance of the balance kamsft and ?the Balance Trasfer Transaction Fee France Charges b to afarndam I purchase
trasachoin calegay. However, t to special rate has been lem listed under the Debut Rate Plant, we leave the unpaid bahoce of to balance transfer and the Balance Transit Tram
action Fee Finance Charges an the applicable transaction category until the special tale world have expaed.
For TDD (TekcamenkaNora Davies for the Deal) assistance, please all 14WU7-7449.
Discover may manor andlor record IsWicrhe rats between you and Discover representatives for quality assurance purposes.
The Discover' card is issued by Dsmvt Be*, Member FDIC
OITBK170
New Balance
960
03
DISCOVER $10 Minimum Payment Due
$220
00
,
. .
Payment Due Date
January 11, 2009
12 SDSN6A010005227
DOUGLAS ROSS
SERLA ROSS
S10 LAMP POST LN
CAMP HILL PA 17011-1429
Account Number ending in 1740
Enter Amount Enclosed Below
$
Please make check payable to Discover Card or
pay online 0 Discovercard.com.
Go paperless and make your account
information more secure with password-
protected statements only you can access.
Learn more at discover camlpaperless.
Illrrrllrrrrrrllsrlrllrrrll
PO BOX 71084
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space lirlhllulnhlhllnfill
lrlrulllluhlululnllnlnlrhlhlnll
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458146742081109600300000000022000
Discover More Card Account Summary
dosing Date: December 12, 2008 page 1 of 2
Account number ending in 1740 Previous Balance $10,883.02
Payment Due Date January 11, 2009 Payments And Credits 218.00
Minimum Payment Due $220.00 Purchases + 209.64
Credit Limit $14,000.00 Cash Advances + 0.00
Credit Available $3,039.00 Balance Transfers + 0.00
Cash Credit Limit $7,100.00 Finance Charges + 85.37
Cash Credit Available $3,039.00 New Balance _
$10,960.03
reverse side for details.
Cashback Bonuse Opening Cashback Bonus Balance $ 5.14
New Cashback Bonus This Period + 0.52
Coshback Bonus Balance $ 5.66
Coshback BanusS Anniversary
Month: June
Keep building your rewards with every
purchase. Start redeeming once you reach
$20 Cashback Bonus(R).
How Can We Help You?
P I Visit Discover.com to pay your lei for no cost=20
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t i
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ti
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It's your choice - 3 ways to help
a
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re
.
2. Col 1-8004DISCOVER (347-2683) for fast, easy self-service
Please have your Discover Card available. options or to speak with a Customer Service Account Manager
3. Write us at Discover Card, PO Box 30943,
For TDD (assistance for hearing impaired) see reverse side Salk Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Dale Date
Payments and Credits Dec 6 Dec 6 INTERNET PAYMENT THANK YOU $ -218.00
Momhandise/letal Dec 8 Dec 8 CALENDARS.COM AUSTIN TX 18.98
Gasoline Dec 10 Dec 10 HESS 38256 LEMOYNE PA 21.62
Supemharkefs Dec 7 Dec 7 GIANT FOOD #269 CAMP HILL PA 169.04
010226
Information For You
Balance Transfer offer(s) for current being period:
Dftftate: 0.00819%; corresponding ANNUAL PERCENTAGE RATE: 2.99%.
Finish your holiday shoppirg from home this year Discover Gift Cards come in a variety of designs-many with matching
Greeting Cards. Choose achy dollar amount from $20 to $500-and shipping is FREE! Good for purchases at milions of
locations. Need to get it there fast? Try the NEW Discover eGiR Card. Buy at DiscoverG&Card.com/holiday
Look! for a last minute holiday gift? Give the Discover eGiR Card. No driving around for the perfect gift - said online
instantly. It's good For purchases at millions of locations, online and over the phone. Finish your shopping today at
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Important hdormation. If two s more than one page to In biig staltiment, see the beck of each page for additional inperlud information. rn
See you Crdmember Agreement Your CardmemberAgreement contains of the terms of your Account. En
Lost or stolen cards. Report immediately! Call MD,341-2683. n
o
BNlkg Rights Summary in Case of Emus or OueshonsAbaR Your Bill: If you IoM your bill is wrong, or it you need more nlormao in about a taeaa on on your bin, write to us on a o
°
separate sheet of paper at Discover, PO Box 30421• Sant Lake City UT 84130-0421, as soon as possible. We must hear from you no later than 60 days after we sent you to first bill on o
which the errs or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information
: ?
r
N
Your name and Amount number. v
The doter amount of Me suspected error
Describe the error and explain. 9you can. why you believe Orate is an error. N you need more irdmmalion, describe the intent you are unsure about
You do no have In pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bit that are not in question While we investigate your
question. we cannot report yon as dekquent or take any action to wtlect 11e amount you questan-
-. _----•°:sy?.tort.!rdeN+rCmrelHr,anat.r'urn:iasez:Nywn*,mz+.?mbYemwMrtheyuakiY'cnz?ao*rnrse!r?xstmtYrn!uaeM.xdwrthe?^r!ir<w+.!,trxryarhae-bva?sr?++'^ttrtoearect-?--?_.. .?_
to problem with the merchant you may not have to pay the remaining amount dire on tie goods or services. You have this protection only when the purchase price was more than $50
and to purchase was made in you home stale or **an 100 miles of your mating address. (N we oven or operate the merchant, or if we maned you the advertisement for the goods or
services, all purchases are covered regardless of the amount or location of purchase)
Payments. Send only your payment and the lop portion of to statement in the erwebpe provided. Do not send cash. By sending your deck as described above, you authorize us b
use information on you dudr to make an electronic fund trrrskr from you aceom at the financial institution indicated on you check or to process the payment as a deck transaction.
N payment is processed as an electronic land transfer, the transfer vent be for the amount on the deck. When we use information from your chadc to make an electronic lend transfer,
fiords may be withdrawn from you account as soon as the same day we receive your payment, and you will not receive your deck back from your financial institution.
The processing of you payment may be delayed 'd you send cash, correspondence or other items with your payment, if you serif the payment to arty other address or if you use an
envelope other tun the one provided. Payments received in proper form at our processing facility by 5PM local tine on any day will be credited to you Account as of Mat day. Payments
received at our processing facility alter 5PM local lime will be credited to yo rAcoount as of the next day. N you have misplaced your envelope. sendyour payment to Discover, PO Box
6103, Cad Stream, IL 60197-6103. Please allow 7-10 days for delivery. I your payment is returned unpaid, we reserve the rglt to resubmit it as an electronic debit
You can pay your rminum payment or a greater amount over the telephone, arid you can set up automatic payments. Cal us at 1400-347-2683. You will need this statement and your-
bank account information. You must ensue that sulfiaert kids are available in you bank accost, and all transactions must comply with U.S. law. You will be asked to provide to fast
5 digits of your account statement zip code. By entering tare numbers as you electronic signature, you will be agreeing to In authorization to allow us and you bet to deduct each
payment you authorize ham you bat account and to iioale debflor as& entries to you bank account as applicable, lo omred m error m the processing of stab payment. You must
Zell is the amount of each psyrrern, or you can select an amount such as to Minimum Payment Due or the New Balance on each statement You can cancel a paymen, however we
mat mlmw rohm at bred Nree braless days n advanced to sdeOW payrrW You mqm rattly us by phone at 1S"74M a by med at to address listed rift previous
paragraph. N yon payments may vary in amount, we wd tai you on each mor" sfebm@W when your paymentwill be made and how, much t writ be YorAubmalic payment amount
may be less Man indicated on the am" statement based on credits or payments applied during the billing cycle.
Credit Reporting. We may report information about your account to crack bureaus. Late payments, missed payments, or other defaults an your amount may be reflected in your cradt
report We normally report the solos and payrrem history of your Accord to aedil reporting agencies each month. If you believe that our repon is inaccurate or ihmmpkte, please write
es at the fallowing address. Discover. PO Box 15316, Wiin i glm. DE 1985M 16. Please include you name, address, home telephone amber and Account timber.
PERIODIC FINANCE CHARGES. Periodic nonce CharW am imposed on all trarced o s from to date the transaction is posted to your Account until the dale you pay you entire
New Balance. by making payments or receiving credits. However, 4 you paid to New Balance an your previous billing skaternent by the Payment Due Date shoo an that statement, and
you pay the New Balance by On Payment Due Date on your currant Wig statement, we will not impose periodic Finance Charges on new purchases. that is, purchases first aptim"
an to current stalerrhent We call this the grace period. Otherwise. you will restive a billing statement next month that includes Periodic Finance Charges on those new purchases. There
is no grace period on balance transfers or cash advances.
We sat your transactions irno groups of purchases, cash advances, and balance transfers and then fister sat the transactions within each group by dies Annual Percentage Rae. For
example, prrchaws suited to a pmmobonal rate and purchases subject to a standard rale would be separate groups. We refer to these groups as transaction categories. At to end of
each bang period, we compute balances and Periodic Fnaoe Charges for each day of the bOq period for each transaction category We use the 00" et{uretion to campus
Periodic Finance Chortles for each transaction category : Average Daily Balance x number of days in to b9mg period x Daly Periodic Rate. (You may refer to the finance disW
s mnary on you biting statement for Morse amounts) Then we add up to Periodic Finance Charges for each transaction category to get Oe total periodic Fiance 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 aasacim caregcry.
We use he Average Daly Balance (including new transactions) meted of calculating tie balance upon which we impose Periodic I'manoe Charges. We compute the Average Daily
Balance for each transaction category by adding up at the daily balances in a bang period for a transaction category and dividing the btal by the number of days in Me Whig cycle. We
compute the daily balance for each hasawon category on as& day by fist adding to following to the previous day s daily balance: transactions made that day. lees charged that clay
and Periodc Finance Charges accrued on tlhe previous day's daily balance; and by then subtracting arty credits and payments that are applied against to balance of to trarsecion
category on do day. In calculating to daily balance for the fast day of the 4; period, we consider Me'previous day's balance" to have been your balance for each transaction
category on the last day of you previous biting period. N a transaction s posted to your Account after the dose of the billing period in which it occurs. we will treat the transaction as hav-
ing occurred on Ow first day of the billing period in which it is posted to your Account.
All ?ArO>O txoM are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the
appf Vonsadion category and Balance Tasfer Trarsacuon Fee Finances Charges which we added to the applicable balance transfer transaction category When
a special balance transfer rate expires. we nave the unpaid balance of ft balance transfer and go Balance Transfer Transaction Fee Finance Charges to the standard purchase
transaction category However. t Me special rate has been farrvuted under the Default Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Trans-
action Fee France Charges in the applicable transaction category unit the special rate world have expired.
For TOD (Teleco mmunicatons Device for the Deaf) assistance, please call 1"8W-347-7449
Discover may mor" adbr record telephone calls between you and Discover representatives for quality assurance purposes.
The Discover" card is issued by Discover Be*, Member FDIC.
OITBK170
DISC VER
It pays to DOUGLAS ROSS
DISCOVER Account number ending in 1740
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02010 Ditt- B.A, Member FDIC
R
II
PPRGRN.0810
Closing Dale: December 12, 2008 page 2 of 2
Finance Charge Summary
Promotion: 1.90% APR on all purchases made through 06/30/09 Promotional Rate valid through July 2009 statement.
Nominal Transaction
8966465 Average Daily ANNUAL ANNUAL Periodic Fee
Daffy. Periodic PERCENTAGE PERCENTAGE FMANCE FNANCE
Balances Rates RATES RATES CHARM CHARGES
current billing period: 30 days
Purchases $3088.96 0.05134% 18.74% V 18.7A% $47.58 s0
Promotional APR $39.13 0.00521% 1.90% F 1.90% $0.06 $0
Cash Advances $0 0.068A7% 24.99% F 24.99% s0 s0
Balance Transfers s0 0.01616% 5.90% F 5.90% s0 $0
Balance Transfers $7784.43 0.01616% 590% F 5.90% $37.73 s0
The rates that apply to your Account are either fixed (F) or they may vary M as noted above.
Questions? Manage your account at Discover.com or
call 1-800-DISCOVER (1 800-347-2683).
New Balance :Minimum Payment Due
$12,126.13
DISCOVER $243.00
Payment Due Date
February 11, 2009
12 SDSNGA01 0005228
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Account Number ending in 1740
Enter Amount Enclosed Below
$ 1
Please make check payable to Discover Card or
pay online 0 Discovercard.com.
Go paperless and make your account
information more secure with password-
protected statements only you can access.
Learn more at discoveccarrpaperless.
PO BOX 71084 Illurllurr,rllnlrll.rrll
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space ?nlm?lnlnmlr?lnrln?m?ur?ll?nrlnlnlnllulnlulm?ull
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458146742081121261300000000024300
Discover More Card Account Summary
Closing Date: January 12, 2009 page 1 of 2
Account number ending in 1740 Previous Balance $10,960.03
Payment Due Date February 11, 2009 Payments And Credits 220.00
Minimum Payment Due $243.00 Purchases + 1,298.58
Credit Limit $14,000.00 Cash Advances + 0.00
Credit Available $1,873.00 BalonceTramfem + 0.00
Cash Credit Limit $7,100.00 Finance Charges + 87.52
Cash Credit Available
$1,873.00
New Balance
= =12,126.13
_.__ _.. _. ... v':"v::•re?x?-+;a>+.bi?+at>sp:c?>? Per9:rt%.:FFrn-?nca.CrKn?»z .,?w.iw:
reverse side for details.
CcAback BawSe Opening Cashback Bonus Balance $ 5.66
New Cashback Bonus This Period
5% Cashl ack Bonus + 15.46
Everywhere Else + 2.47
Cashback 9onu:0 Since Anniversary Month
CashUack Bonus Balance 3 23.59
June: $18.45
CONGRATULATIONSI Your Cashback
Bonus(R) is wailing for you. Visit
Discover.com or call 1-800•DISCOVER
(1-800347-2683) to redeem.
How Can We Help You? I Visit Discover corn to pal' your bil for no cost; i your
P latest Account information, earn and redeem rewards and more
It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service
options or to speak with a Customer Service Account Manager
Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943,
For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130
Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence.
D P
ais Date
Payments and Credits Jan 4 Jan 4 INTERNET PAYMENT THANK YOU $ -220.00
Merchandise/Retail Dec 21 Dec 21 TARGET MECHANICSBURGPA 21,67
Dec 22 Dec 22 UNIVERSAL HERBS UNION CITY CA 9,67
Dec 23 Dec 23 RITE AID MECHANICSBURGPA 22.60
Jan 2 Jan 2 CIBANKS.COM 800.890.9603 PA 22.93
Gasoline Dec 23 Dec 23 GIANT FUEL #263 ENOLA PA 20.72
010002
Jon 8 Jan 8 GIANT FUEL #263 ENOLA PA 14.91
8966465 010075
Automotive Jan 8 Jan 8 A & M TEXACO SERVICE CEN CAMP HILL PA 92.17
SuPermwkets Dec 13 Dec 13 GIANT FOOD #263 ENOLA PA 133.38
010092
Dec 16 Dec 16 GIANT FOOD #269 CAMP HILL PA 33.87
010114
Dec 17 Dec 17 GIANT FOOD #269 CAMP HILL PA 129.76
010167
Dec 20 Dec 20 GIANT FOOD #263 ENOLA PA 87.29
010081
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Important Infomtation. If Owe is more than one page to this tilig statement, see de back of each page for additional important informabon (n
See your Cardmcnber Agreement Your Cardmember Agreement contains all to tens of your Account. Z
Lost or stolen cards. Report immediately! Call 14M347-2683. D
0
Baling Rights Summery. M Case of Errors or Questions About Your Bill: t you think your big is wag. or if you need more information about a transaction on you bit write to us on a 00
separate sheet of paper at Discover, PO Box 30421, Salt Lake Coy, UT 84130-0421, as soon as possible. We must hear from you no later than 60 days after we sent you the frost bit on N
which the error or problem appeared- You can telephone us, but doing so veil not preserve your rights In your WW, give us the following information: ro
Your name and Account number. ao
The dollar anoint of the suspected error
Describe the error and explain. it you can. why you believe there is an error . t you need more information, describe the item you are unsure about
You do rid have to pay any ammint in question while we are investigating, bid you are still obligated to pay the ports of you bill that eve not in Wesson. While we investigate your
question, we carrot report you as de&gnerht or take any action to coped the amount you question
8pech, RW! vcs 1?>^JI:aka Yurchasim. it you have a penblem wM 4-e a t•;om tie x4 °m!r sreAm } ?vs acv crew
the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection or* when the purchase pore was more than SW
and the purchase was made in you tame state or wilhn 100 miles of you mailing address. (t we own or operate the merchant, or it we meded you the advertisement for the goads or
services, all purchases are covered regardess of the amount or location of purchase )
Payeeuts. Sand only your payment and the lop portion of tuts statement in it* envelope provided. Do not send cash. By sending your check as described aboae, you autho ere us to
use infomrelion on yaw deck to make an efeetravc fund transfer from your account ar the financial irsthrtim i ditched an your check or to process to listeners as a dhedk hansacbon.
If payment is processed as an electronic kind transfer, the aerator will be for the amount on the cheek. Uteri we use information from you check to make an etetsio iic fund transfer,
funds may be wihdlawn from you account as soon as the same day we receive you payment, and you will rid receive you died bade from your financial ihshrtinn
The processing of your payment may be delayed it you send cash, eorespahdence or other ilems win your payment it you send the payment to any other addiess or if you use at
envelope Odlei tun the one provided. Payments revived in proper fomh at oir processing facility by 5PM local lice on any day will be credited fo your Account as of tat day. Payments
receivedaarprwes laciktyafter SPM local time will becredited byorAccount asdihtnext day"tyouhave misplaced yawenvelope. send X'uPa'rmvwsDaoover.PO"Box
6103, Card Stream, 11 60197-6103. Please allow 7-10 days for delivery. If you payme t is retrned unpaid, we reserve to right to resubmit it as an eiearonc debit.
You can pay you minim payment or a greater emout over On telephone, and you can set up automatic payments. Cap us at 1-600-347-2683. You will need In statement and you
bank account information. You must ensure that sufficient funds are available in your bank sWoumt and all transactions must aalmply with U.S. low! You will be asked to provide to fast
5 digft of you account statement zip code. By entering those numbers as your electronic signature, you will be agreeing to tie author nation to allow us and you batik to deduct each
payment you authorize from you bank account, and to inmate debit or credit entries to your bank account, as applicable, to cared an eeor in the processing of such payment. You must
let us the amount of each payment, or you can select an amount such as the Mihiam Payment Due or the New Balance on each statement. You can cancel a peyrnat, (however we
must receive notice at least these business days in advance of the scheduled payment. You may ratify us by phone at 1-600-347-2683 or by mad at the address listed in to previous
paragraph. O your punts may very in amount we will tell you on each nhonMly statement when your payment will be made and taw much it well be Your Automatic payment amount
may be less than indicated on to monthly statement based on aedts or payments applied dung the billing cycle.
Credit Reporting. We may repot ihbmw6ah abaci your account to credit bureaus. Cate payments, missed payments. or other defakils on your account may be reflected in you credit
report We namely repot the status and payment history of your Account to credit reporting agencies each month. If you believe Ural our report is naccfrate or ihoomplele, please write
is at the following address: Discover. PO Bak 15316. Wilmington. DE 19650-5316. Please i ckide you name, address, home Wephorw number and Account number.
PERIODIC FWANCE CHARGES. Periodic Finance Charges we imposed on all trareadions from the date the transacion is posted to your Account cunt the dale you pay you entire
New Balance, by making payments or receiving credits. However, it you paid the New Balance on you previous billing statement by ft Payment Due Date shown on that statement, and
you pay the New Balancce by the Payment Due Date on your anent biting statement we will not impose Periodic Finance Charges on now purchases, that is, pacuses first appearing
on the current statement. We cap this the grace period. Otherwise, you will receive a bung stslemen next month that includes Periodic Finance Changes on those new purchases. There
is no grace period at balance transfers or cash advances.
We sort your transactions into grails of purchases. cash advances. and balance transfers and then further sort the trasadias widen each group by thew Annual Percentage Rate. For
example, purchases subject to a promotional rate and purchases subject to a standard rate would be separate grails. We refer to these groups as kansacl o t calegonies. At the end of
each filling period, we compute balances and Periodic France Charges for each day of to bit % period fox each transaction category We use the following equation to compute
Periodic Finance Chagas for each kansec6m category: Average Daly Balance x number of days in the hieing period x Daily Periodic Rate. (You may refer to the 5hace charge
summary on yaw biting statement for these amounts.) Then we add up the Periodic Fwna ce Charges for each transaction kalegay to get the total Perak Finance Charges for your
Account. The Average Daily Balance is shown as zero it, because of ft grace period, no Periodic Finance Charges apply to the balance in a transaction category
Wr, use the Average Daily Balance (including new transactions) nmethod of calculating foe balance upon which we impose Periodic Finance Charges. Yule cotrhpullet the Average Daily
6alsnce for each transaction category by adding up all the daily balances in a biting period for a transaction category and &Aili hg tha total M,• the nanbci of days in the biting cycle. We
compute the daily balance fa each transaction elate gay on each day by fist adding the tdbwing to the previous day s daily balaince: transactions made that day, fees caged that day
and Periodic Finance Charges accrued orh Ole previous day's daily balance: and by ten subtracting any credos and payments that are applied against the balance of She Irmactbn
category on that day. in calculating to daily balance for the first day of the biting period, we consider the *previous days balance' to have been your balance fox each transaction
category on One last day of your previous biting period. If e transaction is posted to you Account after the dose of the biting period n which it occurs, we will treat the bansacbon as hav-
ing occurred on to test day of the biting period in which t is posted to your Account.
AN ?tttk>ba tcauxht are added to the standard purchase transaction category aldl go excepsorh of Cash Advance Transaction Fee Finance Charges which are added to the
apptie sac bon ca" and Balance Transfer Transaction Fee Finarim Charges which are added to the applicable balance transfer transaction category . When
a special balance transfer rate emgzres, we nave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase
transaction category However, it the spacial rate has been laminated under to Def" Rae Plan, we leave the unpaid balance of the balance Waster and the Balance Toarwsfer Trans-
action Fee Finance Charges in the applicable transaction category until to special rate would hove expired.
For TDO (Telecommunications Device for the Deaf) assistance, please call 1-004347.7449.
Discover may mor" andlor record telephone caps between you and Discover representatives for quality assurance purposes.
The Discover` cad is issued by Discover Bank, Member FDIC.
OITBK170
DISC VER
It pays to DOUGLAS ROSS
DISCOVER Account number ending in 1740
Go green. Go paperless.
Join the effort to save frees and clean up your mailbox. Just sign up for
Paperless Statements and you can help save over 70 million pages per year.
You'll also be helping yourself to 24 months of password-protected, statement
history, complete with merchant names, locations and zip codes.
Go to Discovercom/paperless and sign up
for Paperless Statements today.
02010 Discover Bank, Member FDIC
[i] V4
a
PPRGRN-0910
dosing Date: January 12, 2009 page 2 of 2
Supermarkets Dec 23 Dec 23 GIANT FOOD #263 ENOLA PA 234.45
010168
Dec 30 Dec 30 GIANT FOOD #263 ENOLA PA 74.74
010016
Jan 1 Jan 1 GIANT FOOD #269 CAMP HILL PA 64.74
010047
_Ign 3_ - --W 3 GIANT F _= ?26&CAMt'_.:' LIJ_ PA
010162
Jon 8 Jan 8 GIANT FOOD #263 ENOLA PA 92.98
010026
Government Services Dec 22 Dec 22 PA DRIVER/VEHICLE SERV HARRISBURG PA 58.50
Dec 22 Dec 22 PA DRIVER/VEHICLE SERV HARRISBURG PA 36.00
Information For You
"lance Transfer offer(s) for cwrwd 6069 period:
Daily Periodic Rate: 0.00819%; corresponding ANNUAL PERCENTAGE RATE: 2.99%.
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Finance Charge Summary
Promotion: 1.90% APR on all purchases made through 06/30/09 Promotional Rate valid through July 2009 A A, at.
8966465 Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FWANCE (lIiANCJE
Balances Rates RATES RATES CHARGES CHARGES
current billing period: 31 days
Purchases $3136.74 0.04929% 17.99% V 17.99% $47.93 s0
Promotional APR $980.05 0.00521% 1.90% F 1.90% $1.57 $0
Cash Advances $0 0.06847% 24.99% F 24.99% $0 $0
Balance Transfers $7591.34 0.01616% 5.90% F 5.90% $38.02 $0
The rates that apply to your Account are either fixed (F) or they may vary M as noted above.
Questions? Manage your account at Discover.com or
call 1-800-DISCOVER (1-800-347-2683)
k New Balance Minimum Payment Due
DISCOVER $12,334.05 $247.00
Payment Due Date
March 11, 2009
12 SDSN6A01 0005229
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Account Number ending in 1740
Enter Amount Enclosed Below
Please make check payable to Discover Card or
pay online 0 Discovercord.com.
Go papedess and make your accent
information more secure with password-
protected statements only you can access.
Lean more at discover comlpaperiess.
PO BOX 71084 Illrrsllrssrrsll.rlrllrrrll
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space Inlr)Inlnr)r?lnrlnlrlnrllllnrlulnlullulnlnlrlnll
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458146742081123340500000000024700
Discover More Card Account Summary
Closing Date: February 12, 2009 page 1 of 2
Account number ending in 17,40 Previous Balance $12,126.13
Payment Due Date March 11, 2009 Payments And Credits 243.00
Minimum Payment Due $247.00 Purchases + 361.99
Credit Limit $12,500.00 Cash Advances + 0.00
Credit Available $165.00 Balance Transfers + 0.00
Cash Credit Limit $6,300.00 Finance Charges + 88.93
Cash Credit Available $165.00 New Balance = $12,334.05
__ __ _ _ --- - low aibie +n fv'.n,.! • c.
reverse side for details.
Cashback Bonuse Opening Cashback Bonus Balance $ 23.59
New Cashback Bonus This Period + 1.05
Coshback Bonua Since Anniversary Month
June: $19.50
Cashback Bonus Balance $ 24.64
CONGRATULATIONS! Your Cashback
Bonu3(R) is waiting for you. Visit
Discover.com or call 1.8004XSCOVER
(1-800.347-2683) to redeem.
How Can We Help You?
P 1 Visit Discovercom to pay your bi for no cost, view r
latest Account information, earn and redeem rewards and more
It's your choice - 3 ways to help 2. Call 1-80001SCOVER (347.2683) for fort, easy selhservice
Please have your Discover Cord available. options or to speak with a Customer Service Account Manager
3. Write us at Discover Card, PO Box 30943,
For TDD (assistance For hearing impaired) see reverse side Sob Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Date Dale
PayrneMs and Credits Feb 10 Feb 10 INTERNET PAYMENT THANK YOU $ -243.00
services Jan 14 Jon 14 VZWRLSS MYACCTVE 1-800-922-020CA 118-67
supernwrksh Jan 14 Jon 14 GIANT FOOD #263 ENOLA PA 66,82
010180
Jan 17 Jan 17 GIANT FOOD #263 ENOLA PA 176.50
010100
8966465
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unemployment, disability or family leave of absence. Learn how Income Gap Protection can help you. Call us today at
1-800240-1009.
Important Information. M there t more than one page to Ira biing slate nerd, see to back of each page for additional important itamreirl. U)
See you Cardinernber Agreement. You Cardmember Agreement contains all the tenors of your Account.
Lost or stolen cards. Report irrnhadiaely! Cal I BW347-2683. on
80Nng Rlghts Summary. In Case of Errs or Questions About Your BA: t you dunk your b* is wrong, or it you need more information about a transaction on your bill, while to us on a o
°
separata sheet of paper at Discover, PO Box 30421. Safi Lake City. UT 84130.0421, as soon as possible. We must hear from you no later than 60 days a lef we sent You the first b/ on o
which the errors problem appeared. You can telephone its, but doing so will not preserve your rights. In you feller, give us the btovag information: ro
.
Your name andAccount number
?'
The dollar amount of the suspected am ?
• Describe the error and explain, it you can. why you believe there is an error- 0 you need more nlamation, describe the item you are unsure about
You do rat have to pay any amount in question while we are investigating. but you are sW obligated to pay the, parts of your bill that are not in question. White we investigate you
rp,Pdurn, we canx+ report ya•.i as !"inquent or take any action to culled Me mnant you nuesticn.
.:I'c"tt?aion!rte-rrxAit:,ar3a±rch?es.,et;ecb?...a?..n,...iL.tl'r.,??u.,-:<..,.ryu-',kycur,.'°?±.!SS,sr?.a>:;.;+:r?
the "M win the merchant, you may not have to pay the rem ming amoum due on the goods or services. You have this protection only, when the purchase price was more than $50
and the purchase was made in your hone state or witichh 100 miles of you ma erg address. (t we awn or operate the merchant, or it we mailed you the admosenherd for the goods or
services, all purchases are covered regardless of the amount or location of purchase)
Payments. Send only your payrrot and the top portion of this statement in the envelope provided. Do not send cash. By sending your check as described above, you authorize us to
use itiermedon m you dreck to make an electronic fund trader from your account at the financial institution indicated on you dhecb or to process the payment as a credo transaction.
If payment is processed as an electraic fund transfer. the transfer will be for the amount on the clherk %l on we use itomhaem from your dock to make an elowinc had Winner,
fads may be withdrawn kart your acohiad as soon as the sane day we ram" your payment, and you will not receive your check back from your financial inshilutorn
The processing of your payrrot may be delayed if you send ash, comespandence or other items with you payment, it you sad the payment to any other address or if you nee an
emebpe other than fie one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of than day. Payments
received at our process" facility air 5PM total line will be credited to your Mxnunt as of the next day C you have misplaced your anvefape; sendyour payment to Discover. PO Box
6103, Cad Stream, IL 60197-6103. Please allow 7-10 days for delivery. 0 your payment is returned unpaid. we reserve the right to resubmit t as an electronic debit
You can pay your rtwwnamh parrod or a greater amount aver the telephone, and you can set up s omatic payments. Call us at 1-8W347-2683_ You will need this statement and your
bank account information. You cast ensure fret suf chena funds are available in your bank account, and all transactions must coney with U.S. few. You will be asked to provide the fist
5 digits of your account statement zip code. By a" terse numbers as your electronic signature. you wit be agreeing to On automation to slow us and you bank to deduct each
payment you adhorae from your bank accourt. and to i chafe debt or credit entries to your bank amount as applicable, b carded an error in the processing o(suudh parrot . You must
tell us the amount of each payment, or you an select an amount such as the Minimum Payment Due or the New Balance on each statement You an cancer a paymaL however we
must receive notice at feast tree business days in advance at the scheduled payment. You may notdy us by phone at 1-8"7-2683 or by mail at the address tested n the previous
paragraph. If you payments may vary it amount. we will tell you on each monthly statement when your payment will be male and how much it will be. Your Automatic payrrot amount
may be less Man indicated on the rranMly statemod based on credits or payments applied during the billing cycle.
Credit Reporting. We may repro information awn your accoud to credit bureau. Late payments, mussed payments. or other deW& on your account may be reflected in your credit
report. We normally ration the stake and payment history of your Account to credit repor" agencies each math. C you believe that our report is inaccurate or incomplete, please write
us at the blowing address: Discover, PO Bay 15316. Wdmingbn. DE 19850.5316. Please igkide your name, address, hone telephone number and Account number
PERIODIC FINANCE CHARGES Periodic Finarae Gorges am imposed on all rasackms from the hate the minsacim is posted b you Account until the dare you pay you entire
New Balance, by making payments or receivrpg credits. However, 4 you pad the New Balance an you previous billing statement by than PayrreN Due Date shown on Met statement, and
you pay tiro New Balance by One parrot Due Date on you current billing stalernhrt, we will not impose Periodic Finance Charges on new purchases, Bret is, purchases fret appearing
on the curets stale merd. We cal this In grace paced. Otrenwise, you will reome a tiling statement next month to includes Periodic Finaae Charges on those new purchases. There
is no grace period on balance transfers or cash advances.
We sat you transactions ihb grails of purchases, ash advances. and balance, transfers and then further sat the transactions within; each group by their Arawal Percentage Rate. For
example, purchases subject to a p ich otiona fate and purchases subject to a sta div rate wand be separate grays. We refer to these groups as transaction categories. At die end of
each biting period. we con" balances arc Periodic From Charges for each day of ft bitting period for each ransacrm category. We use the Mamig equation to arnpuute
Periudo Finance Changes era each trensediat calegayr: Average Deify Balance x number of days in the hung period x Daly Periodic Rate. (You may refs to the from dredge
summary on your billing statement for these amo rts.) Then we adld top the Periodic Finance Charges for each transaction category in get the total Perodic Finance Charges for your
Account. The Average Daily Balance is shown as zero W. because of the grace period,. no Periodic Finance Charges apply to the balance in a transaction category.
We use the Average Daily Balance (ncckidng new transactions) meted of alc lelag the balance upon which we impose Parodic Finance Charges. We compute the Average Daily
Balance for each transaction category by adding up ell the daily balances in a bdeg perod lea a transaction category and dividing the WW by the number of days in die Ming cycle. We
cernpufe the daily balance breach transaction category on each day by frst asking the folowig to the previous days daily balance : transactions made fret day. lees charged tot 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 an that day. In calculating Me daily belahoe for the lest day of the billag period, we consider the'previc s day's balance. lo have been your balance for each transaction
category on the last day of you previous talking period. C a transaction is posted to your Account after the close of the biibrg period in which t acorns. we will treat the trarmcrm as hav-
ing occurred on the first day d the billing period in which t is posted to your Account
AN f Ihr ? m ore added b the standard purchase transaction category with the exception of CashAdvaae Transaction Fee Finance Charges which are added to Me
app salon category and Balance Transfer Transaction Fee Finances Charges which are added b the applicable balance transfer transaction category. When
a special belaroe trahhater rate expires, we nave the unpaid balance of the balance transfer and the Balahoe Toaster Trarsnctiah Fee Finance Changes to the steudard evacuee
transaction category However, if to special refs has been terminated under the Default Rate Plan, we leave the unpaid balance of the baarim transfer and the Balance Transfer Trans-
action Fee Finance Charges n to applicable transaction category until the special rare would have expeed_
For TDD (Telecommunications Device for the Deaf) assistance, please call i4 .3p-1449.
Discover may manta andbr record to ephome cab between you and Discover representatives for quality assurance purposes
The Discover' card is issued by Discover Be* ktember FDIC.
OlTBK170
DISC VER
h pays to DOUGLAS ROSS
DISCOVEW Account number ending in 1740
Go green. Go paperless.
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Paperless Statements and you can help save over 70 million pages per year.
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for Paperless Statements today.
02010 Discover Bank, Member FDIC
E6D %
a
PPRGRN.0910
Closing Dale: February 12, 2009 page 2 of 2
Finance Charge Summary
Promotion: 1.90% APR on all purchases made through 06/30/09. Promotional Rate valid through July 2009 stdemerd.
8966465 Nominal
w
Average Daily ANNUAL ANNUAL Periodic Fe
Daily Periodic PERCENTAGE PERCENTAGE FNMICE FNANCE
Balances Rates RATES RATES CHARM _ CHARGES
current billing period: 31 days
Purchases $3185.03 0.04929% 17.99% V 17.99% $48.67 $0
Promotional APR $1844.49 0.00521% 1.90% F 1.90% $2.95 $o
Cash Advances $0 0.06847% 24.99% F 24.99% $0 $0
Balance Transfers $7449.31 0.01616% 5.90% F 5.90% $37.31 $0
The rates that apply to your Account are either fixed (F) or they may vary M as noted above.
Questions? Manage your account at Discover.com or
call 1-800-DISCOVER (1.800-347-2683.
New Balance
$12,16714
DISCOVER
12 SDSN6A01 0005230
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Minimum Payment Due Account Number ending in 1740
$244.00 Enter Amount Enclosed Below
Payment Due Date $
April 11, 2009 Please make check payable to Discover Card or
pay online ! Discovercord.com.
Go paperless and make your account
information more secure wkh password-
pprrolected statements ony you can access.
Learn more at dis Z'cyom1paperless.
PO BOX 71084 Illsssllrrrsssllsrlsllrsrll
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space Irr?r??rrlrrr?rl?rrrlrrlr?rrrl?l?rrr?rr?rrlrrllrrlrrlrr?rlrr?)
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458146742081121671400000000024400
Discover More Card Account Summary
hosing Date: March 12, 2009 page 1 of 2
Account number ending in 17,40 Previous Balance $12,334.05
Payment Due Dote April 11, 2009 Payments And Credits 247.00
Minimum Payment Due $244.00 Purchases + 0.00
Credit Limit $12,500.00 Cash Advances + 0.00
Credit Available $332.00 Balance Transfers + 0.00
Cash Credit Limit $6,300.00 Finance Charges + 80.09
Cash Credit Available $332.00 New Bakmce = $12,167 14
reverse side for details.
Cashback Bonuse Opening Cashback Bonus Balance $ 24.64
New Cashbook Bonus This Period + 0.00
Redeemed This Period 20.00
Cashbook Bonus® Since Anniversary Month Cashbook Bonus.Balance $ 4,64
June: $19.50
Keep building your rewards with every
purchase. Start redeeming once you reach
$20 Cashbook Bonus(R).
How Can We Help You? 1 Visit Discaver com to pay your b8 for no cost view your
latest Account information, earn and redeem rewards and more
It's your choice - 3 ways to help 2. Call 1-8004DISCOVER (347-2683) for fast, easy self-service
options or to speak with a Customer Service Account Manager
Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943,
For TDD (assistance for hearing impaired) see reverse side Soh Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Dole Date
Payments and Credits Mar 11 Mar 11 INTERNET PAYMENT THANK YOU $ -227.00
Award and Rebate Credits Mar 8 Mar 8 REWARD REDEMPTION CREDIT -20.00
Information For You
* *ATTENTION * * The day of the month that your payment is due will be changing. Your now Payment Due Date wil be
printed at the top of the remittance coupon on the statement you receive for your billing period that ends after May 1, 2009
Your Payment Due Date will continue to be at least 25 days from the Closing Date shown on the billing statement.
8966465
Important Information. t there is more than one page to the thing statement. see the bads of each page for additional important information.
See your Cardmember Agreement. Your Cardmember Agreement contains at the terms of your Account.
Lost or stolen cards. Report called atelyl Cal 1-800.347-2663.
Ming Rights Summary. In Case of Errors or QuestionsAboul Your BA: If you think your bill's wrong, or d you need more information abohr a transaction an your bil, write to us on a
separate sheet of paper at Discover. PO Box 30521, Sall Lake City, UT 84130.0421, as soon as possible. We must hear from you no fated then 60 days after we sent you the fast bill on
which the error or problem appeared. You can telephone us, but doing so wil not preserve your rights. In your lamer. give us the following information:
Your name and Account number
The dower amount of the suspected error
Describe the error and explain, d you can, why you believe Owe is an error. If you need more information describe the dun you are unsure about
You do not have to pay any amount in question while we are nvestgalag. but you are still obligated to pay the parts of your bill that are not in question. While we investigate your
aJPstion, we cannot rerxrt yMh as dehirmhnhrt m *,Oe any action to mibd thr *rv w! wu question
.rt;1<'.rkr..:
the problem with the merchant. you may not have to pay the remassng amour due on the goods or services. You have tits protection only when the purchase price was more then $50
and the purchase was made in yaw home state or within 100 miles of your rradng address- (t we own or operate the merchant or d we traded you the adverlsemani for the goods or
services, all purdases are covered regardless of the amount or location of purchase.)
Payments. Send only your payment and the top portion, of to statement in to envelope provided. Do not send cash. By sending your check: as described above. you authorize us to
use inforrehation on your dad: b make an electronic, fwd senator from your ammnt at the financial institution indicated on your chede or to process the peynnerr as a check transaction.
It payment is processed as an ebctronie kind transfer, the senator wA be for the amount an the clad:. When we use information tram your creek to make an etectroric Mil kasler,
rods may be withdrawn from your account as soon as to sane day we receive your payment and you will not receive your check bade from your financial asmiston
The processing of your payment may be delayed 4 you send cash, oorrespordence or )i her items with yaw pai mend, if you sad I e payment to any other addiess of if you use an
envelope other tan the one provided. Payments received in proper form at our processing lankly by 5PM loco time on any day wit be credted to your Account as of tat day Payments
received at or pmcessaV facikM1yater 5PM bcal time will be credited to your Account as of the next day If you have mispktcedyarenvelope. sad your aymenl foDiscover, PO Box
6103, Carol Stream, IL 601978103. Please allow 7-10 days for delivery. t your payment is retuned unpaid. we reserve the right to resubmit it as an electio i;d"
You can pay your mai n rn payment or a greater amount over the telephone, eel you can sit up atomatc payments. Cal us at 1-800-347-2683. You wil need this stetemat and your
bank account information. You must ensure that sufficient fords are available n your bank account, and al transactions mast comply with U.S. law You wil be asked b provide the first
5 digits of your account stelerent rip code. By ahterirhg base numbers as your electronic signature, you will be agreeing to has authorization to allow us and your learmk to deduct each
payment you authorize from your bank account. ad to nitme dabd or credit entries to your bank 9oconl, as applicable, b cared an error in the processing of such payment. You must
tel us ate arrnmtrnt of each payment, or you can select an anoW such as the Mism rn Pay rient Due or the New Balance an each statement You can cancel a psyrnerht however we
must receive notice at least free business days in advance of the scheduled payment. You may noldy us by phone at 1-000-47.2663 or by mail at the address listed in the previous
paragraph. If you payments may vary in a r ond, weed tel you on each monthly, statement when you payment wall be made and how much it will be. Your Autortatic payment amount
may be less tan indicated on the rrond+1 statement based on credits or payments applied dung the billing cycle
Credit Reporting. We may repot information abort your axon b credit bureaus. Late payments missed payments, or other defaults an your account may be relecled in your credit
report We normaly report the status and payment tertiary of you Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write
us at the following address- Discover. PO Box 15316. Wirirgton, DE 19650-5316. Please include your name, address, home telephone number and Accent rrrriber.
PERIODIC FINANCE CHARGES. Periodic Finance, Charges are imposed an all transactions from he date the trensachon is posted to your Account unl the date you pay you entire
New Balance, by making peynsNS or mom" credits. However. if you paid the New Balance on your previous bilag statement by the Payment Due Date shown an that statement. ad
you pay the New Balance by the Payment Due Date on your arrant Ming statement, we will not impose Periodic Finance Charges on new purchases that is, pwdreses frst appearing
on the cumand statement. We cal this the grace period. Otherwise, you wA receive a telling statement next month that includes Periodic Finance Charges on chose new purchases. There
is no grace period on baler" transfers or cash advances.
We sort your transactions into groups of purchases, cash advances. and balance transfers and then futther sal the transactions within each group by also Annual Percentage Rate. For
example, purchases sublet to a pronhataal rate aid purchases subjecl to a standard rate would be separate gaups. We refer to these gaps as tasackm categories. At the and of
each tilling period. we comp to balances and Periodic Finance Charges for each day of the telling period for each transaction category . We use the following egtha ion to compute
Periodic Finance Charges Its each tranrtaGten category. Average Daily Balance x rhumba of days in the biting period x Daly Pencift Rate. (You may refer to the bUnDO charge
summary on you bbq statement for these amoumds.) Then we add up the Periodic Finance Charges for each transaction category to gel the btai Periodic finance Charges lor ymr
Accent The Average Daily Balance is shorn as zero if, because of the grace period, no Periodic Finance Charges apply to the balance in a trasadioh category
We use the Averege Daily Balance (ahl'ludno new transactional method of calculating the balance uponwhich 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 fix a uansacton category and divdrg the told,, by the nurnbw of days in the billing cycle- We
compile the daily balance for each transaction category on each day by first adding the following to the previous days daffy balance: transactions male that day. fees charged that day
and periodic Fiance Chagos accrued on the previous day's daily balance: and by then subtracting any credits and payments that are applied against the balance of to transaction
category on that day. In caladatng the dale/ balance for the first day tithe billing period, we consider te'previ us day's balance" b have been your balance for each transactor
category on the last day of your previous telling period. N a tresacbm is posted to your Account after the close of the bhli g period in which it scars. we wil treat the transaction as hav-
ing occurred on the furs: day of the bilig period in which it is posted to your Accent.
Al fee oil are added to the standard purchase transaction category with thre exception of Cash Advance Transaction Fee France Charges which are e(fded b the
h3ppf transaction category and Balance Transfer Transaction Fee Fiances Charges which are added to the applicable balehce transfer Msaelon category. When
a special balance transfer rate experes, we rove the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee France Charges to the standard purchase
transaction category. However, it the special rate has been terminated under to Default Rate Plan, we leave the unpaid balance of the balance trarsia and the Balance Transfer Trans-
action Fee Finance Charges in the applicable transaction category until the special rate would have expired.
For TDD (Telecommunications Device for the DeA assistance, please call 14I00347-7419.
Discover may monitor andlor retard telephone calls between you and Discover representatives for quality assurance purposes
The Discover- hard is issued by Discover Bank, Mermibar FDIC.
OITBK170
DISC VEI
( Pets DOUGLAS ROSS
DISCOVER Account number ending in 17,40
Go green. Go paperless.
Join the effort to save trees and clean up your mailbox. Just sign up for
Paperless Statements and you can help save over 70 million pages per year.
You'll also be helping yourself to 24 months of password-protected, statement
history, complete with merchant names, locations and zip codes.
Go to Discovercom/paperless and sign up
For Paperless Statements today.
02010 Discover Body, Mnnber FDIC
O?
a
PPRGRN.0810
Closing Date: March 12, 2009 pogo 2 of 2
Finance Charge Summary
Promotion: 1.90% APR on all purchases made through 06/30/09. Promotional Rate valid through July 2009 statement.
ss 65 Nominal
ronsoction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PFRCENTAGE PERCENTAGE FINANCE FINANCE
Balances Rates RATES RATES CHARGES CHARM
current billing period: 28 days
Purchases $3231.66 0.04929% 17.99% V 17.99% $44.60 $0
Promotional APR $1876.10 0.00521% 1.90% F 1.90% $2.72 s0
Cash Advances $0 0.06847% 24.99% F 24.99% $0 $0
Balance Transfers $7245.09 0.01616% 5.90% F 5.90% $32.77 $0
The rates that apply to your Account are either fixed (F) or they may vary M as noted above.
Questions? Manage your account at Discover.com or
call 1-800-DISCOVER (1-800-347-2683).
New Balance
DISC(NER $12.011.51
12 SDSNSAOt0005231
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Minimum Payment Due Account Number ending in 1740
$241.00 Enter Amount Enclosed Below
Payment Due Date $ 1
May 11, 2009 Please make check payable to Discover Card or
pay online @ Discovercard.com.
Go paperless and make your account
information more secure with password-
protected statements only you can access.
Leam more at discover cornfpspertess.
PO BOX 71084 Illrrrllrsrrrsllrslrflrrrll
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space IoIrIlulumlmllrhrlulrlnrllllhrmlrrlrrlnllrrlhrlnlrlnll
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458146742081120115100000000024100
Discover More Card Account Summary
Closing Date: April 12, 2009 page 1 of 2
Account number ending in 17,40 Previous Balance $12,167 14
Payment Due Date May 11 2009 Payments And Credits 244.00
Minimum Payment Due $241.00 Purchases + 0.00
Credit Limit $12,500.00 Cash Advances + 0.00
Credit Available $488.00 Balance Transfers + 0.00
Cash Credit Limit $6,300.00 Finance Charges + 88.37
Cash Credit Available $488.00 New Balance = $12,011.51
aou Maxey i)e .66 to GW.:av 7?r.f iCU ?: Y?+Y.Y?..:tl s:friroa.:., sV+r •+Nf
reverse side lor details.
Cashback Bonuse Opening Cashbock Bonus Balance $ 4.64
New Cashbock Bonus This Period + 0.00
Cashback Bonus Balance $ 4.64
Coshbock Bonus® Since Anniversary Month
June: 519.50
How Can We Help You?
P ' Visit Discover com to pay your bill for no cost, view r
latest Account information, earn and redeem s and more
It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self service
Please have your Discover Card available. options or to speak with a Customer Service Account Manager
For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943,
Salt Lake City, UT 84130
Transactions $0 fraud liability Guarantee Use your Discover Card with confidence.
Trans. Post
Dab Dab
Payments and Credits Apr 11 Apr I 1 INTERNET PAYMENT THANK YOU $ _244.00
Information For You
**ATTENTION** The day of the month that your payment i s due will be changing. Your new Payment Due Date will be
printed at the top of the remittance coupon on the statement you receive for your billing period that ends after May 1, 2009.
Your Payment Due Date will continue to be at least 25 days from the Closing Date shown on the billing statement.
Finance Charge Summary
Promotion: 1.90% APR on all purchases made through 06/30/09. Promotional Rate valid through July 2009 statement.
8966465 Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FINANCE FNANCE
Balances Rates RATES RATES CHARGES CHARGES
current billing period: 31 days
Purchases $3278.99 0.04929% 17.99% V 17.99% $50.10 $0
Promotional APR $1878.97 0.00521% 1.90% F 1.90% $3.03 $0
Cash Advances $0 0.06847% 24.99% F 24.99% $0 $0
Balance Transfers $7036.15 0.01616% 5.90% F 5.90% $35.24 $0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
Important Information. t there is more than one page to the bilag statement, see he back of each page for additional impaient infarmatim rn
a
See your Cardrmnen6er Agreanmt Your CardnarmbarAgreneKnarnt contains all tlnaterms of you Account. Z
m
Lost or stolen cards. Report immediately! Cal 1-600-347-2663. o
Biting Rights Summary. In Case of Errors or Questions About You Bill: Vyou think your bill it wrong, or f you need more information about a trermsactiam on you big. voile to us on a o
separate sheet of paper at Discover. PO Box 30421, Salt Lake C ty, UT 641340421, as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on e°on
which the am or problem appeared. You can telephone us, but doing so will not preserve your rights. In your Ou, give us the fclowwmg information:
Your name and Account number.
The dollar amore of the suspected error
Describe the error and expilm, if you can, why you believe toe is an error. N you need more nformat on. describe the Bern you are unsure abut.
You do not have to pay any amott in q wAm while we are invest gating, but you are still obigated to pay the parts of your big that are not in question While we e,wesogale your
-
question. we cannot report van az dekrxprerd or take any action to caged the amount you question
SpreynyW,.i-+nor.ea-ismpraR'.3lfsri:HyrxeireveepmrJnmH+rhuw•xrarryr??++c+ryerr.-.r»N»*«av«wrmw'suer-r?ner<areFYw4ww!cave!n?A?w+?ndlarg'rsw-arr+?.+.__..?_.__?---
the problem with the merchant. you may, not have to pay fire fore" mom due on the goods or services. You have this protection only when the purchase pace was more than $50
and the pudtese was made in your home stale or wMan 100 miles of your mailing address. (t we own or operate the merchant. or it we mailed you the advertisement for the goods or
services. all purchases are covered regardless of the amount or location of purchase.)
Payreerda. Send only you payment and the top portion of ths statement in the envelope provided. Do root send cash. By sending your check as described above, you authorize us to
use information on your check to make an electronic fund transfer from, your account at the lirencial institution indicated on your check or b process the payment as a check transaction
It payment is processed as an electronic find transfer, the raster will be for the amount on the check. When we use information from your check to make an decsac fro translef,
kinds may be ritxtrawn from your avant as soon as the same day we receive your payment and you wit not receive your check bade tarn you fnanciel nsttreon
The processing of your payment may be delayed if you send cast. conespo Bence or other fens with your payment. if you send he payment to any other address or if you use an
envelope other than the one provided. Payments received in proper firm at our processing facility by 5PM local time on any clay will be oedted to yam Account as of tots day payments
received at our processing facility after 5PM local time will be credited to yawAccount as of the next day. t you have misplaced you envelope, send your payment to Discover. PO Box
6103, Carol Stream, k 60197.6103. Please allow 7-10 days for delivery. t your payment is retuned unpaid. we reserve the right to resubmit t as an electronic debit.
You can pay your rnninum payment or a greater amount over the telephone. and you can sel up automatic payments. Cal us al 1-800-347-2683. You wit need this stelemew and your
bank account information. You must ensue that sufficient kinds are avafafhle in you bank arrant, and all transactions must comply vih U. S. law You will be asked b provide the irat
5 digits of your auraud ataternent zip code. By entering hose numbers as your eledronc signature, you will be agreeing to this authorization to allow to and you bank to deduct each
payment you athooze from your bank account, and to initiate debit or credit entries to your bank account. as applicable, to correct an error in he processing ol such paymeM Yw must
tell us the amount of each paymrd, or you can seled an amount such as the ffirinaum Payment Due or he New Balance on each statement You can cancel a payment hmevu we
must receive notice at leasl tree busaness days in advance of the scheduled payment You may notify as by phone at 1-8M347-2683 or by nod at the adders listed in Ow previous
Paragraph t your payments may vary in amount, - wig leg you on each monttny statement when you payment A be made and how much t will be Your Automatic payment amount
may be less than indicated on he monthly statement based on credits or payments applied during the Ming cycle.
Credit Reputing. We may report ihbrmatak abort your account to credit bureaus. Late payments, missed payments. or other defaults on your amount may be reflected in your credit
report We normally report the status arid payment history of tar Award to credit reporting agencies each month. If you believe that our repot is inaccurate or incomplete, please write
us at the Mowing address: Discover, PO Box 15316. Wilmington, DE 19850-5316. Please include your name, address, have telephone number and Account number.
PERIODIC FINANCE CHARGES. Periodic Finance Charges are unposed on all transactions from fire date he transaction is posted to your Account until tlna date you pay your entire
New Balance, by making payments or receiving credits. However, f you paid the New Balance on your prewous biting statement by he Paymerd Due pate shorm on that statement, arid
you pay he, New Balance by the Paynwrt Due Date an your current biling statement, we will not impose Periodic Finance Charges on new purchases, hat is, purchases first appearing
on he current statement. We call this the grace period. Otherwise, you will receive a billing statement net m mh to includes Periodic Finance Charges on those new purchases. These
is no grace period on balance transfers of cash advances.
We sort your transactions into gawps of purchases. cash advances, and balance transfers and then further sat the transactions within each group by Vice, Annual Percentage Rate- For
example, purchases shbleA to a promotional rate aid purchases subject to a standard rate would be separate groups. We refer to these groups as re nsactim caegories At the end c
each biting period. we compute balances and Periodic Finance Charges for each day of the bung period for each transaction category We use the blim" equation to compute
Periodic Finance Charges for each transaction category: Average Daily Balance x number of days in dre bang period x Daily Periodic Rate. (You may refer to he buff" charge
summary on your billing statement for these anounts.) Then we add W the Perodc Finance Charges fr each transaction category to gel the total Periodic Finance Charges for YOLK
Account The Avenge Daily Balance s shown as zero f, because of the grace period, no Periodic Fnahce, Charges apply to the balance in a transaction category:
We use the Average Daily Balance (including new trasaciam) me" of calanatug the h.:tance upon Almc h we impose Periodic: Fiance Charges. We compute the Average Daily
Balance for each transectam category by asking up at he daily balances in a bil" period for a transaction category and dividing the total by the number of days in he billing cycle. We
compere he daily balance for each transaction category on each day by first adding he fallowing b the previous days daily balance: rasacions made that dday. kes charged hat day
and Periodic Finance Charges accrued on he previous day's duly balance: and by then subtracting any credits and payments hat are applied against Ina balance at he transaction
category onhat day In cakxdahg the daily balance forfire first day of the, bdtng period, we consider he -previous days balance' to have been your balance for each transaction
category on the last day of you previous baling period. K a transaction is posted to you Account after he close of he bl" period in which t occurs, we wig treat fire transaction as hav-
ing occurred on the first day of the hitting period in which it is pasted to tar Account.
At pee y?wW??cVCCaant are added to he standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to he
appf 6hle?tra isadion category and Balance Transfer Transaction Fee Finances Chagas which are added to he applicable balance raster transaction calegorf When
a special balance transfer rate expires, we move he unpaid balance of he balance transfer and he Balance Transfer Transaction Fee Finance Charges b he stardsd purchase
transaction category. However, if tna spacial rate has been terminated ewer he Default Rate Plan, we leave he unpaid balance of the balance transfer and the Balance Transfer Trans-
action Fee Finance Charges in the applicable transaction category unW.the special rate would have expired.
For TOO (Telecommunications Device for the Dean assislance, please cat 14I0Q347.7449.
Discover may monitor adfor record telephone cis befxem you and Discover representatives for quality assurance purposes.
The Discover' card is issued by Discover Bank, Member FDIC.
OITBK170
DISC VER
Closing Date: DOUGLAS ROSS
April 12,2009 Account number ending in 1740
page 2 of 2
Cashback Bonus ® Award Summary
Cashback Bonus Anniversary Date: June 12 Balance
Previous Cashback Bonus Award Balance $ 4.64
Purchase Award This Period + 0.00
Cas ac Bonus Award Total 4.64
Cashback Bonus Award Balance
Award Available to Redeem
4.64
$ 0.00
8966465
Restrictions apply to the Cashback Bonus Partner offers visit Discover corn or call 1-8 WDISCOYBt (1-80D 347-2683) for
details. For program details, see the Cashback Bonus Program Terms and Conditions.
New Balance
$11,855.63
DISCOVER
12 SDSWA01 0005232
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LM
CAMP HILL PA 17011-1429
Minimum Payment Due Account Number ending in 1740
$238.00 Enter Amount Enclosed Below
Payment Due Date $
June 7, 2009 Please make check payable to Discover Card or
pay online a Discovercard.com.
Address, e-mail or telephone change? Print change in space
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
Go paperless and make your account
information more secure with password-
protected statements only you can access.
Learn more at discover.com/papedess.
PO BOX 71084 11111161111111
CHARLOTTE NC 28272-1084
Irrlrllrrlrrrlrllrnrlnnlrlrrrllllnrrlrrlrrlrnllrrlrrlrrlrlrrll
000001986458146742081118556300000000023800
Discover More Card Account Summary
Closing Dale: May 12, 2009 page 1 of 2
Account number ending in 1740 Previous Balance $12,01151
Payment Due Date June 7 2009 Payments And Credits 241.00
Minimum Payment Due $238.00 Purchases + 0.00
Credit Limit $12,500.00 Cash Advances + 0.00
Credit Available $644.00 Balance Transfers + 0.00
Cash Credit Limit $6,300.00 Finance Charges + 85.12
Cash Credit Available 5644.00 New Balance = $11855.63
reverse side For details.
Cashba& BmtuSe Opening Cashback Bonus Balance $ 4.64
New Cashback Bonus This Period + 0.00
Cashback Bonus Bakmce S 4.64
Cashback. Bonus-Since Anniversary Month
June: $19.50
How Can We Help You?
P 1 Visit Discover com to pay your bill for no cost, view your
latest Account information, earn and redeem rowards and more
It's your choke - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service
Phase have your Discover Card available. options or to speak with a Customer Service Account Manager
For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943,
Salt Lake City, UT 84130
Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence.
Trans. Post
Date Date
Payments and Credits May 8 May 8 INTERNET PAYMENT THANK YOU $ -241.00
Finance Charge Summary
Promotion: 1.90% APR on all purchases mode through 06/30/09 Promotional Rate valid through July 2009 statement.
8966465 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 $3328.64 0.04929% 17.99% V 17.99% $49.22 $0
Promotional APR $1881.95 0.00521% 1.90% F 1.90% $2.93 $0
Cash Advances $0 0.06847% 24.99% F 24.99% $0 s0
Balance Transfers $6801.89 0.01616% 5.90% F 5.901% $32.97 SO
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above
Important Information. If there's more than one page to this biting statement see he bade of each page for additional important nformation. o
See your CsnlmemberAgreement. Your Cardmember Agreement cadaku at the tams of you Account. Z
Lost or stolen cards. Report immediately! Call 1-800 3 7-211113. M
D
o
Bitting Rob Summary. In Case of Enom or Questions About Your Bib: N you think your bill is wrong, or % you need more information about a transaction an you ISM, mile to us on a c
separate sheet of paper at Discover, PO Box 30421, Salt Lake City, UT 64130.0421. as soon as possible. We must hear from you no later ton 60 days after we send you ba fast bill on o
which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your killer. give us the fotovvig information:
Your name and Accord number N
The doter amount of the suspected error.
Describe the error and explain, a you on. why you believe there is an error If you reed more information. describe the item you are unsure about.
You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. M* we investigate your
question, we cannot report you as delinquent or take any action to collect the amount you question.
mhPCr;+ P.y J... yr...-y r' a.A 4rrl >"* ! r, F."jYP ??n m "tl'dh' If- Qual"?.!h l!4 U5
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t!e pr;;L?:m wrenlie ,rerdfara, you may nJ f ada to Pay Ca remainag ,ncunl duo m L. 1. xn xi. xl' r h;ave r, , PrweLJ Ai vY ty m.e, i it e q t?ze i axes, care f err it rill
and the purchase was made in you home state or within 100 miles of you mailing address. (if we own or operate the merchant or 4 we mailed you the advertisement for to goads or
services, at purchases are covered regardiess of the amount or location of purchase.)
Payments. Send oay your parent and the top portion of this statement in the envelope provided. Do not send cash. By sending you crack as described abov, you aultor ee us to
use infomnafon on you dace to make an decbanic fund transfer from your account at the financial isfi4Nan indicated on your check or to process the payment as a trade trarsaUierh.
If payment is processed as an electronic full tansfef, the transfer will be for the amount of tla dock. Whan we use information from you check to make an ebcbodc fund transfer,
funds may be withdraw from your accent as soon as ba same day we receive your parent. and you will not receive your deck tack horn your financial inslikiliom
The processing of you payment may be del.-* it you send rash, canespordence or offer hems with your payment. b you send the payment b any other address or d you use an
envelope otter than the one provided. Payments received in proper tam at our processing faality by 5PM kcal tine on any day will be credited to your Account as d tatday. Parents
received at our processing tacky after 5PM bcal tie will be credited to your Account as of the next day. b you have misplaced your envelope, send your payment b Discover, PO Box
6103, Carol, Stream, IL 60197.6'103. Please allow 7-10 days for delivery. If your payment is returned unpaid, we reserve the right 16 resubmit t as an eteclrorkdeW
You can pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments. Call us a 1-800.347-2663. You will need this statement and your
tank account information. You must ensure that svBawt fords are available in your bank account, and all transactions must comply with U.S. law You will be asked to provide the first
5 digits of your account statement ZIP code. By entering those numbers as your ek rock signature. you will be agreeing to this authorization to allow us and your ben* to deduct each
parent you auCkaQe from your bank amouK and to innate debit or credit entries to your bate acmoK as applicable. to correct an error in die processing of such payment. You must
tell us the amount of each payment or you can select an amour such as the Minimum Payment Due or the New Balance on each statement. You can cancel a paymer; however we
must receive notice at least tree business days in advance of the scheduled payment. You may notify us by phone at 1-8W347-2683 or by nail at the address bbd in Be previous
paragraph. k you payments vary in arnourK we will tell you on each monthly staterne t when you payment will be made and haw much it will be. Your autama9c payment amo ra may
be less Can indicated on the monthly statement based on aedts or payments applied during the bt6g cycle.
Crack Reporting. We may report edormsew about your amount to credit bunco. Late payments, missed payments, or other defaults an your account may be retecled in you credit
report . We normally report the status and payment history of you Accaxt to credit reporting agencies each monM. If you believe #W our report's baccirab or nmmplele. please write
us at the btowdng address: Discover. PO Box 15316. Wilmington. DE 19850.5316. Please Include your name, address, tonne telephone number and Account norriber.
Grace Period an Purchases (at mast 25 days We begin to impose Periodic Finance Charges on at transactions from ba Transaction Date for the transaction as storm on your
bitting stabnrdK uteri a transaction's posted to your Account after the dose of the biting period in which it onus, in which case we begin to rpm Pediodie Finance Charges an that
transaction from tb first day of the bung period in which t is posted to your Aow nL We confnue to impose Periodic Finance Charges urd the date you pay you aMe New Balance,
by making payments or receiving audits. However, if you paid the New Balance on you previous biyrg sdakvnent by the Payment Due Date shorn on ft bifirg sbft.o and you pay
the New Balance by the Payment Due Date on your current biting statement we will not rpm Peoock Finance Charges on new purchases, that is, purchaises 69 appearing on the
c rrerd billing statement We call this the 'gram pedal:' There is no grace period an balance transfers or cash advances.
fBntrmro Finance Charge. We wl large you a minimum FINANCE CHARGE of $.50 for any billing period in which Periodic Finance Charges of less ban $.50 ward odhewise
be imposed.
Annual Fes. b your Account has an annual fee, h will be billed at the beginning of each anniversary year your Account is open. The amount d the be appears on I* statement when the
foe is billed. The arrcal fee is not refundable unless you notify is Cat you wish to dose you Account withsu 30 days of the mai6rg or delivery date of the statement on which the fee is
bled. You will receive Ifts rel nil even 0 you use you Card dung that period.
Periodic Finance Charges. We sort you transactions into groups of purchases, cash advances, and balance harsfers and then fubher sod the trasactims whin each group by
ttnerAnual Percerdage Rate. For example, fiin:hases subject to a promotional rate and purchases subject to a standard rate world be separate groups. k%l: refer to these groups as
transaction categories. At the and of each biting period, we compute balances and Periodic Finance Charges for each day of the biting period for each transaction category. M use the
following equation to compute Periodic Finance Charges for each transaction category:
(Average Daily Balance) limes (days in biting pedoM tines (Daily Periodic Rate)
(You may refer to ba fvara:e charge summary on your blig statement for these amnouhis.) Then we add up the Periodic Finance Charges for each transaction category to gel the heal
Periodic Finance Charges for you Account. The Average Daily Balance is sham as zero if, because of the grace period, no Periodic Finance Charges apply to the balance in a
°ans"696IM5
We use the Average Day Balance (khdkdig new transactions) method of calculating the balance upon which we impose Periodic: Fiance Charges. Yk compute the Average Daly
Balance for each transaction category by adding up at the daily balances n a billing period for a trasacbm category and dividing tte total by the number of days in to big period.
We compute the daily balance for each transaction category on each day by first adding the following to the previous day's daily balance: transaction web a Transaction Date of dig
day as shown an your billing statement. unless the transaction's posted to your Account after the dose of the bring period in which A occurs, in which case the transaction will be added
to the daily balance as of the fast day of the billing period in which 1's posted to your Account fees charged dal day and Periodic Finance Charges accrued on the previous day's dairy
balance; and by Can subtracting any credits and payments that are applied against the balance of the transaction category on that day. In calculating the daffy balance for the fist day of
the billing period, we consider the'prcwious days daily balance' to have been your balance for each transaction category on the last day of your previous billing period.
At fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Fiance Charges wfedn are added to the
applicable cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable balance barhsfer transaction category When
the special rate expires, we move be unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transac6eh category.
Flowever, it the special rat has been terminated under the Default Rate section, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance
Charges in to applicable balance transfer transaction category until the special rate would have expired.
For MD (Telecormnmicabons Device for the Dent) assistance, please cal 1.100.347.7449
Discover may ncndor and/or record telephone calls between you and Damver representatives for quality assurance purposes.
The Discover' Cad a issued by Discover Banc, Member FDIC. OITBK171
DISC 'VER
Closing Date: DOUGLAS ROSS
May 2r 2009 Account number ending in 1740
- page 2 of 2
Cashback Bonus ® Award Summary
Cashback Bonus Anniversary Date; June 12 Balance
Previous Cashback Bonus Award Balance $ 4.64
Purchase Award This Period + 0.00
Cas ac Bonus Award Total 4.64
Cashback Bonus Award Balance
Award Available to Redeem $
8966465
4.64
4.64
Restrictions apply to the Cgshback Bonus Partner offers visit Discaver eem or call 1800-DISCOVER (1.800347-2683) for
details. For program details, see the Coshback Bonus program Terms and Co itions.
New Balance
019.00
DISCOVER $12 Minimum Payment Due
$241
00
, .
Payment Due Date
July 7, 2009
12 SDSN6A01 0005233
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Account Number ending in 1740
Enter Amount Enclosed Belaw
Please make check payable to Discover Card or
pay ordine 0 Discovercard.com.
Go paperless and make your account
m formation more secure with password-
protected statements any you can access.
Leam more at discovercomlpaperless.
PO BOX 71084 Illrrrllrrrrr.IL.Lll.rrll
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space ?rulullulurlrllnrlulrlrullllnrlnlulrrllnlrrlnlrlrrll
above, or go to Dixover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458146742081120190000000000024100
Discover More Card Account Summary
Closing Date: June 12, 2009 page 1 of 3
Account number ending in 1740 Previous Balance $11,855.63
Payment Due Date July ;7 2009 Payments And Credits 238.00
Minimum Payment Due $241.00 Purchases + 307.83
Credit Limit $12,500.00 Cash Advances + 0.00
Credit Available $481.00 Balance Transfers + 0.00
Cash Credit Limit $6,300.00 Finance Charges + 93.54
Cash Credit Available $481.00 New Balance $12,019.00
-
mQV i•a+ iTbr? ,r> nyrt;.? ?;^r?cf,9iC F
f-1
irrl.vq+"na`?!F?. .., r?M
reverse side for details.
Cashback Bonuse
Cashback Bonus® Since Anniversary Month
June: $20.26 Opening Cashback Bonus Balance $ 4.64
New Cashback Bonus This Period + 0.76
Cashbadc Bonus Balance S 5.40
How Can We Help You?
P 1 Visit Discover corn to pay your bi for no cost, view your
latest Account information, earn and redeem rewards and more
It's your choice - 3 ways to help 2. Call 1-800DISCOVER (347-2683) for fast
easy selFservice
Please have your Discover Card available, ,
options or to speak with a Customer Service Account Manager
3. Write us of Discover Card, PO Box 30943,
For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 8,4130
Transactions $0 Fraud LfaNlily Guarantee Use your Discover Card with confidence.
post
Ts.
Daais
Payments end Credits Jun 5 Jun 5 INTERNET PAYMENT THANK YOU $ .238.00
Merchandise/Retai Jun 7 Jun 7 WAGMART SC # 1886 MECHANICSBURGPA 86.92
Gasoline Jun I 1 Jun 11 GIANT FUEL #263 ENOLA PA 32.12
010072
Supennorkeh May 30 May 30 GIANT FOOD #263 ENOLA PA 140.28
010025
Jun 1 Jun 1 GIANT FOOD #263 ENOLA PA 48.51
010103
8966465
Important Information. N there is more hart one page to 1hs blkng statement, see the back of each page for additionl important information.
Sae your Cardmember Agreement. Your Cardmember Agreement contain all the terms of your Account.
Lost or stolen cards. Report imnediaMly! Call 140111-317-2683.
Billing Rights Summary. In Case of Errors or OuestionsAbout Yom Bit: If you link your bit is wrong, ail you need more information about a transaction on your bill, write b us on a o
separate sheet of paper at Dscorer, PO Box 30421, Sall Lake City, UT 84130-0421, as soon as possible. We must hear from you no later lim 60 days alter we sent you the Bust bit an °o
which the enor or problem appeared. You can telephone his, big dreg so will not preserve you rights. In your letter. give us the following information: N
Your name and Acmu t rumba.
The ddlararnaad of the suspected error.
Descrbe file error arid explain. if you an. why you believe there a an error. If you need more information, describe the Plan you are unstee about
YOU do not have to pay any amount in question while we are nvestigatirg. bud you are 90 obligaled to pay the pads of your bill Rd are not in question. While we inve:tigace your
question, we cannot report you as deliuquerd or take any action to collect die amount you question.
fa "i Ruw kw P,rt.ilr k,& A Vaiiaxa Ny^j? Ihave a oroblem wdlh l w, r'ty ya,;,/'s va; vrvs that you puru ra,zr *dh OW 44 (Wd ar vuu t +r a,. i.,yc r-?ah W tuhW ._
" . _...._ .- _._ _ _._?.
Si a,xi,chCNumayrAha;etopart tlzreaia 3 rc.r:h' a. h tow;. ^r ..,?ta?t
"?kmr
and the pnihese was made in your hone stale or within 100 miles of you maing address. (twe cim oroperate the merdhard, or t we Iilalled you the aMra5semert for the goods or
services. all purdhases are covered regardress of the amount or location of purchase.)
Payments. Send only your payment and to top portion of cis statement in to envelope provided. Do not send cash. By sanding your check as described above, you adtncrae us to
use information on your deck to make an electronic kid transfer from yaw account at the irorxial institution indicated on your check or to process to payment as a check transaction.
N payment is processed as an electronic kid transfer, fine transfer will be for the anount of the cheek. Men we use Wormalim horn your check to make an eledmnic hid tea ester,
kids may be withdrawn from you accent as soon as the same day we mum your payment, and you will not receive your check back from your frhancal iron,
The processing of your payme t maybe delayed Nyou send ash, eortespaderhoe err oMer Monts vllh your payment t you send the payment b arty oche address ord you USE an
envelope otherthan the she provided. Payments received in proper bun al our processig (say by 5M kcal lime an any day will be credited o yourAccard as of Bhat day Poyneints
received at err processing facility ater WM local time will be credited to your Acoart as of the next day t you have misplaced your envelope, send your payment b Discover. PO Box
6103, Card, Stream. IL 601976103. Please Am 7-10 days for delivery. If your payment is returned unpaid, we reserm the right to resubmit it as an electronic debt
You an pay your minimum payment or a gala amourd over fine telephone, and you can set up automate payments. Cal us at 1400.347.2683. You well need In statement and your
bank account information. You must ensue that SIdkkmt kinds are available in you bank account, and al transactions must comply with U.S. law. You will be asked to provide theist
5 dyes of you account statement 21P code. By entering tale numbers as your elecboNc sig akne, you coil be agreeing to cis witionzalon to allow us and your hack to deduct each
payment you authaae from you badr aotourK and to moats debit or credit entries to your bank amour, as applicable, to cwW an error in the processing of such payment You must
leN ks fire amount of each payment or you an select an amount such as the kfoimm payment Due or the New Balance on each sbhtnhant. You can carrel a payinent however we
m us! receive notice at least glee buinm days in advance of the scheduled payment. You may notify in by phone at 1-800.347-2683 or by mal at to address listed in the previous
paragraph. t your payments vary in amount we wil let you on each monthly statement when you payment will be made and how much N will be. Your automatic payment amount may
be less than indicated on the monthly statement based on credits or payments applied dung the biting cycle.
Credit Reporting. We may report information abort your account to credit bureaus. Lele payments, missed payments, or other defaults on your account may be reflected in your credit
report. Yk normally report the status and payment Inelany of your Account to oredl reporting agencies each month. N you believe final our report is inaccurate or incomplete, phase write
us at the following address: Discover, PO Box 15316, NRningon. DE 198511.5316. Please include you name, address, home telephone number and Account number.
Grace Period on Purchases (at least 25 days). We *in to knpose Periodic Finance Charges an all lransaccahs from the Transaction Date for the transactim as shaven an your
birg slalerhad, bless a transaction is posted to ymAocomt alter Be close of the billing period in which it occurs. in which case we begin to repose Periodic Fnairm Charges on final
transaction from the ist day of the bifng period in which N is posted to your A=mL We continue b impose Periodic Finance Charges until the date you pay yaw ertire New Balance,
by naltnhg payments or reoefving credits. However, Iyou paid IM New Balance on your previous billing statement by the Payment Due Date sham on that biting statement and you pay
the New Balance by the Payrtienl Due Date on your cement billing statement we wit not kpose Periodic Finance Charges on new purchases. that is purchases fist appearing on the
cured biting stalemaht. We al ft (he 'grace perod." There is no grace period on balance transfers or cash advances.
Minimum Finance Charge. Yye will charge you a minimum FINANCE CHARGE of $.50 or any b&V period in which Periodic Finance Charges of less than 5.50 world otherwise
be Imposed.
Annual Fee. t your Account has an annual lee, N will be tilled at the beginning of each ahnivemmy year your Account is open. The amount o1 the fee appears on the stailement when the
fee is bled. The annual nee is not relundable unless you notify us that you wish to dose WAccoaht within 30 days of the mating or de" dale of the statement on whin the fee is
billed. You wil receive this refund even N you use your Card during that period.
Periodic Finance Charges. We sort your transactions into groups of purchases, ash advances and balance transfers and then further sod the transactions witrtrh each group by
theirAn ual percentage Rate- For example. purchases subject to a promotional rate and purchases subject to a standard rate would be separate groups. We refer b these groups as
transaction categories. At the end of each bitting period, we compute balances and Periodic Finance Charges for each day of fie billing period for each transaction category. We use th
Idbwng equation to eornp to Periodic Finance ftharges for each Irasactim category:
(Average Deily Balance) limes (days in bilking period) lines (Daily Periodic Rate).
(You may pale to the Puna charge summary on your billing statement for these amounts.) Then we add up the Pentodtc Finance Charges for each transaction category to get to trial
Periodic Fnarxx Charges for your Acmu t. The Average Daly Balance is shown as zero t, because of the grace pent, no Peno dk Finance Charges apply b the balance in a
'ra?Wi5
Wk use the Average Daily Balance (ncluding new transactions) method of calculating fine balance upon which we impose Periodic Finance Charges, yve cornpde fire Average Daly
Balance for each flare action category by ad" hp all the daily balances in a biting period for a transaction category and dhvidrg the otal by the number of days a fine billing period.
We compute the daffy bamce foreach kansactm ategoryr oneach day by knu adding the b8ovdrhg o the previous day's daily balerrte: transactions with a Transapm Cats of ft
day as shown on your butting statemed. Loess the transaction is posted to yourAocount after the close of the biting periods which M occurs, in which case Be tram will be added
to the daily balance as of fite first day tithe billing period in which N is posed to your Accent. fees charged that day and Periodic France C hages accrued m the previous days daily
balance, and by then swbtractimg any conchs and payments that are applied against the balence of the transaction category on that day. In calculating the daily I I for fie first day of
fie billing period, we consider the -previous days daily baWnce'to have been your balance far each transaction category on fie fast day of your yxevias biing period.
AN fees charged to your Amount are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to fine
applicable ash advance transaction category and Balance Trathsfer Transaction Fee Finance Charges which are added to ft applicable balance transfer tasadah category When
the special rate expirm we move the unpaid balance of fite balance transfer and the Balance TransferTiransaction Fee Fnarce Charges to the standard pudhase, transaction category.
However. I the special rate has been ormirated urler the Delautt Rate section, we leave to unpaid balance of the balance transfer and Vie Balance Taster Trasacfiorn Fee Finance
Charges in the appiade balance transfer transaction category until the special rate would have expired.
For TDC (Telecommunications Device for the Deaf) assistance, please call 1-800.347.7449
Discover may monitor andlor record telephone calls between you and Discover representatives for q mkty assurance purposes.
The Discos cad is issued by Discover Bank, Member FDIC. OITBK171
DISC VER
It pot's to Acc
DISCOVER ount nur ber ending in 1740
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02010 Discover Bank, Member FOIL
Closing Date: June 12, 2009 page 2 of 3
Finance Charge Summary
Promotion: 1.90% APR on all purchases made through 06/30/09. Promotional Rate valid through July 2009 statement.
8966465 Nominal
Transaction
Average ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FINANCE fNiANCE
Balances Rates RATES RATES CHARGES QiA tM
current billing period: 31 days
Purchases $3381.83 0.05477% 19.99% V 19.99% $57.42 so
Promotional APR $1985.99 0.00521% 1.90% F 1.90% $3.20 $0
Cash Advances $0 0.06847% 24.99% F 24.99% SO $0
Balance Transfers $6572.63 0.01616% 5.90% F 5.90% $32.92 $0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
aV4
a
PPRGRN.Oe 10
Questions? Manage your account at Discover.com or
call 1-800-DISCOVER (l -800-347-2683.
DISCOVER'
Closing Dote: DOUGLAS ROSS
June 12, 2009 Account number ending in 1740
page 3 of 3
Cashback Bonus ® Award Summary
Cashback Bonus Anniversary Date: June 12 Balance
Previous Cashback Bonus Award Balance $ 4.64
Purchase Award This Period + 0.76
Cas ac Bonus Award Total 5.40
Cashback Bonus Award Balance 5,40
Award Available to Redeem $ 5.40
8966465
Restrictions apply to the Coshback Bonus Partner offers visit Discover,cam or cal 1800 DISCOVER (1-800-3A7-2683) for
details. For program details, see the Cashback Bonus Program Terms and Conditions.
DISC' VEI $$$12,269.88
12 SDSNGA01 0005234
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Minimum Payment Due Account Number ending in 1740
$246.00 Enter Amount Enclosed Below
Payment Due Date
August 7, 2009 Please make check payable to Discover Card or
pay online 0 Discovercord.com.
Address, e-mail or telephone change? Print change in space
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
Go paperless and make your account
intonation more secure vvM pas&vA rd-
{pxrdected statements only you can access.
Learn more at discovecconVonperless.
PO Box 71084 111 116118115111111141118111
CHARLOTTE NC 28272-1084
InInIlnlnnlnllnnlnlrlnnllllnrlnlnlnllulrelulrlnll
000001986458146742081122698800000000024600
Discover More Card Account Summary
Closing Date: July 12, 2009 page 1 of 3
Account number ending in 1740 Previous Balance $12,019.00
Payment Due Date August 7, 2009 Payments And Credits 241.00
Minimum Payment Due $246.00 Purchases + 400.53
Credit Limit $12,500.00 Cash Advances + 0.00
Credit Available $230.00 Balance Transfers + 0.00
Cash Credit Limit $6,300.00 Finance Charles + 91.35
Cash Credit Available $230.00 New Balance = $12,269.88
'?r•;r.r - :,g aEnn to awx•y 4'^!riS±^li; v n^.rv ..,i e.. ?rr"]r°, .,.F +ffi
reverse side for details.
Cashback Bonus!
Cashback Bonus® Anniversary
Month: June
Opening Cashbock Bonus Balance $ 5.40
New Cashbock Bonus This Period + 1.00
Cashback Bonus Balance $ 6.40
How Can We Help You?
P You 1 Visit Discover can to pay yarn Gil for no asst, view your
latest Account information, earn and redeem swards and more
It's your choice - 3 ways to help 2. Call 1-8004NSCOVER (347-2683) for Fast, easy self-service
Please have your Discover Card available. options or to speak with a Customer Service Account Manager
3. Write us at Discover Card, PO Box 30943,
For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. P
Da s
Payments and Credits Jul 6 Jul 6 INTERNET PAYMENT THANK YOU $ -241.00
supermarkets Jun 11 Jun 13 GIANT FOOD #269 CAMP HILL PA 34.81
010051
Jun 13 Jun 13 GIANT FOOD #269 CAMP HILL PA 115.49
010208
Jun 15 Jun 15 GIANT FOOD #269 CAMP HILL PA 34.03
010074
Jun 16 Jun 16 GIANT FOOD #269 CAMP HILL PA 46.31
- 010048
Jun 20 Jun 20 GIANT FOOD #263 ENOLA PA 152,51
010012
Jun 21 Jun 21 GIANT FOOD #269 CAMP HILL PA 17.38
010193
fifitiftion For You
This month, the featured Cashback Bonuslit) Redemption Partner is Bed Bath & Beyond(R). Redeem $20 Cashback Bonus for
a $25 Bed Bath & Beyond gift card.
6nporta t kdormadon. t there is mare than one page to this bitting statement, see the back of each pegs for additional irnpontard i formabon. W
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See your Cwdn n berAgiver wkt Your Ca dmenberAgreement cmbm al the terms or your Accent. co
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Lost or stolen cards. Report inrnediately! Call 1-811111417-2663. y
0
Billing Rights Summary. In Case of Errors orOuestions About Your Bill: H you think your lot is wrong, or t you need more inform alion about a vansactiar on your bil, was to h6 on a c
separate sheet of paper at Discover, PO Box 30421, Sall Lake City. UT 84130-0421, as soon as possible. We must hear horn you no later than 60 days alter we sent you the first bill on °o
which the soar or problem appeared. You can telephone us, but doing so will not preserve you rights. In you letter , give us the blowing information: U
• Your name anclAaoknt nunmber
The dollar amount of the suspected error. "
Descrbe the error and a0m. W you can. why you believe there is an error. t you need more information. describe the Aern you are unsure about
You do not have to pay any amount in question wI* we are investigating, but you are still obligated to pay the parts d your bill that are not in question. Wlde we irmestigale you
question, we cannot report you as delinquent or take any action b collect the amount you question.
-,rrmwi itwev r,R f'+ A"ard Drrrc'•w?, h; ya? tsavs a pna;4err, w9h & re ??..t:1y x:. ? ar WA i 0M+ v. Nka*j *-I a?aedht care -nvh vw n gars .?a?+•.:anw.-. _ _ __. -,
a L,: ;i c bfl, jAW limy rd law x pay the r: r a n ay auwk it du . i , c:"mss w r. u' ;s pui?:fion cnl; r,.m, ; 6 a purr h i t ^ t??
and tm pucase was made in your home stale a wdm 100 miles d you mailing address (t we own or operate the merchant, or if we mailed you the advertisement for the goods or
services, all purchases are covered regardless of the amount or location of purchase.)
Paynwkb Send only you payment and the by portion of tis statement in the envelope provided. Do not send cash. By sending your died as described above, you aul orme us to
use inbmhatm on you crock b make an election: bud transfer from your 80mr9 at the fnendal institifim indicated on your check or to process the paynhent as a check transaction.
9 payment is processed as an electronic lord transfer. the transfer will be for the arrant o f#* check. VOm we use iiamatm from your check to make an elackorhic ford transfer,
furls may be wd*am horn your amount as soon as the same day we receive your payment and you wind receive you dhedk back from your financial rallubm.
The processing of your paymed may be delayed 'd you send cash, conespodence or other items with your paynrnt, I you send the payment to any other address or t you use an
envelope other than the are provided. Peym;ots received in proper form at our processing fadty by 5PM local We on arty day will be credited to your Account as of Ds1 Of Payments
received at our processing facility after WM local bate will be wedded to your Account as of the next day. Iym have msplaced you envelope.. send your paynwt b Discover. PO Box
6103, Card, Steam, 11.60197-6103. Please allow 7-16
days for delivery. N yr» payment' is retiriied unpaid, we reserve hie do to resubmit it as an efeiirahic dabit....._ .
You can pay your, mwnm payment or a greater amount aver the Wephone, and you can set up aWmstic paynwhb. Call us at 1-804347-2683. You will need this statement and your
bank award ihbrmatm. You must ensue that sulicient bads are available in your basic accent, and d transactions must comply with U.S. law. You will be asked to punk the first
5 digs of your account hate rent ZIP code. By mom" those numbers as your electronic signature. you will be agreeing to to auteavaron to atow nit and yaw bade b deduct each
payment you antnaize from your balk am K and b khiate debit or oedt entries to your bank accent, as applicable, to carted an mw in the processing of such payment You mst
tall us the arrant death payment or you can select an amount such as the Moinnm Payrnen Due or the New Balance on each statement. You can cancel a pay ins t however we
roust receive notice at Mast tree business days in advance of the sdedulad payment You may nody us by phone at 14IW347-2663 or by marl at the address listed 'n the previous
paragraph. If your Implants vary in athoat, we will iW you on each nlor" statement whhen your paynve t will be made and how much a will be. Ymx automatic payment amount may
be less than indicated on the moony statement based on credits or payments applied during this biting cyde-
CmM Rapoi ft ft may report irdamafran about your account to credit bureaus. Late payments, missed payments, or other delauts on your account may be reflected in you credit
report. War anuly report lie stabs and paymad history of your Account to credit reporting agencies each rnonth. It you believe tat our report is inaavram or incomplete, please write
us at the following address: Discover, PO Box 15316, WYrnrrglm, DE 198505316. Please include your rare, address, home telephone number and Account nrhmber.
Grace Period on Purchases (at least 25 days). We begin to impose Periodic France Charges on al trarsaction5 from the Transaction Dam for the transaction as shot m on your
billing staement uiess a transaction is posted b your Accard after the dose of the loafing period in which it occurs. in which case we begin to impose Periodic Finance Charges on that
transaction from the fret day of is biting period in which it is puled to your Amount ft continue to hpose Periodic France Charges until In date you pay your entire New Balance,
by malwg payments or receiving credo. However. iyou paid the New Bata" on your previous Will sW mat by this Payment Due Date shown on oral billing stalernem and you pay
the New Balance by am Payment Due Dam on your arced biting statement, we will not impose Periodic Finance Charges an new purchases, that is, purchases fist appearing on the
current bi ng statement We cat On dw'grace period." There is no grace period on balance transfers or cash advances.
Minimm Finance Charge. We will charge you a minimum FINANCE CHARGE of 5.50 for any Wing period in which periodic Finance Charges of mss than 5.50 weld otherwise
be igrosed.
Annual Fear. t yourAcco nt has an annual fee, it will be billed at the beginning of each anniversary year yourAc=m is open. The arrant of am fee appears an the sW mom when the
fee is Died. The annual fee a not refundable unless you nobly us to you wish to dose your Account within 30 days of the moving or delivery date of 0* statenwd an which the fee is
filled. You will receive this refund even 9 you use your Cad during that period.
Periodic Ffra a Chatters. ft son you tansactiom lido groups of purchases. rash advances, and balance randars and then hrtner sat the trenssactiors willm each group by
their Amoral Percea'uhge Rate. For exanhple, phrciases s *ce to a Ixonx Bona; rare and parch^^-s subjecto a standard rate *Wabe separate groups. Wife refer to these gaps as
transaction calegorm At time end of each billing period, we corrpue balarm and Periodic Finance Charges for each day of the billing period for each transaction category. We use the
MMV Malkin b compute Periods Fkbrbe Charges for each trasaction category
(Average Day Balance) Homes (days in hitting period) lines (Daily Pofodc Rate).
(You may refer to the finace charge srmay on you Wfng statement for these amords.) Then we add up the Periodic Finance Charges for each transaction category to get the total
periodic France Changes for yourAcmuht The Average Daly Balance is shown as zero t, because of the grace period, no Periodic Finance Charges" to the balance, in a
V--K 98M5
1Ne use aneAverage Daily Balace (ixirdrg raw transactions) meted of calculating the balance upon which we impose Pe iodic France Charges. We earnpde one Average Daly
Balance for each transaction category by adding up all the daily balarm in a httinlg period for a transaction category and dividing the IM by the number at days in the b ft period.
We corn" tm daily balance for each transaction calegory on each day by first ad&* the following to this previous days daily balance: trasactio s wdh a Transaction Dale d"
day as shown on your biting stalsmed, unless one transaction a posted to your Account after the dose of the billing period in which it occurs, in wt h case the transaction wit be added
to the daily balance as of the ft day of the bg% period in which it is posted in your Account lees caged OW day and Penodc France Charges accrued on the previous days daily
balance; and by limn subliming any creels and payanerls that are applied against ate balance of one Warmcim caieM on that day. In catanta6ng the daffy blare for the fret day of
tte billing period, we consider the'previcus days daily balane to have been your balance breach transaction category on the last day of yots previous biting period.
AN fees caged to yo rAcmW are added to the standard purchase rarmsacam category with the exception of CashAdvance Transaction Fee Finance Charges winch are eklded to the
applicable rash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable balance hasfer rarnsaction category When
the special rate egwm we move the unpaid balance of the balance transfer ern the Balance Transfer Transaction Fee Finance Charges to the standard pindease transaction category
.
However, It the special rate has been ternwhaled under the Default Rate section, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Fiance
Charges in the applicable balance transfer transaction category until the special rate would have expired.
For TDD (Teleummxricalios Device fortre part) assistance, please call 1$D4347-7449.
Discover may rnonbr ardfor record telephone cats between you and Discover representatives for quality assurance purposes.
The Discover" cad is issued by Discover Bank, Merdw FDIC. OlTBK171
DISC-NEW
It pays to DOUGLAS ROSS
DISCOVER Account number ending in 1740
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®2010 Discover Bank, Member FDIC
oWk
a
PPRORN.0810
Closing Date: July 12, 2009 page 2 of 3
Finance Charge Summary
Promotion: 1.90% APR on all purchases made through 06/30/09 Promotional Rate valid through July 2009 st alemen t.
8966465 Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE CANOE MANGE
Wonr Rates RATES RATES CHARGES CHARGES
current billing period: 30 days
Purchases $3438.78 0.05477% 19.99% V 19.99% $56.50 $0
Promotional APR $2549.79 0.00521% 1.90% F 1.90% $3.97 $0
Cash Advances $0 0.06847% 24.99% F 24.99% $0 s0
Balance Transfers $6371.73 0.01616% 5.90% F 5.90% $30.88 $0
The rates that apply to your Account are either fixed (F) or they may vary M as noted above.
Questions? Manage your account at Discover.com or
call 1-800-DISCOVER (1-800-347-2683)
DISC VER
Dosing Date: DOUGLAS ROSS
July 12 2009 Account number ending in 1740
' page 3 of 3
Cashback Bonus ® Award Summary
Cashback Bonus Anniversary Date; June 12 Balance
Previous Cashback Bonus Award Balance $ 5.40
Purchase Award This Period + 1.00
Cas back Bonus wwor Total 6.40
Cashback Bonus Award Balance
Award Available to Redeem
8966465
6.40
$ 6.40
Restrictions apply to the Cashback Bonus Partner offers visit Disc~ com or call 14800-DISCOVER (I $00-347-2683) for
details. For program details, see the Cashback Bonus program Terms and Conditions.
New Balance
$12,158.6a
DISCOVER
12 SDSN6A010005235
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Minimum Payment We Account Number ending in 1740
$244.00 Enter Amount Enclosed Below
Payment Due Date $ 1
September 7, 2009 Please make check payable to Discover Card or
pay online 0 Discovercard.com.
Go papedess and make your account
information more secure with password
protected statements or *y you can access.
Leam more at discover camNpapertess.
PO BOX 71084
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458146742081121586400000000024400
Discover More Card Account Summary
Closing Date: August 12, 2009 page 1 of 2
Account number ending in 17,40 Previous Balance $12,269.88
Payment Due Date September 7, 2009 Payments And Credits 246.00
Minimum Payment Due $244.00 Purchases + 0.00
Credit Limit $12,500.00 Cash Advances + 0.00
Credit Available $341.00 Balance Transfers + 0.00
Cash Credit Limit $6,300.00 I mane Charges + 134.76
Cash Credit Available $341.00 New Balance $12,158.64
reverse side for details.
Cashback Bonuse Opening Cashbock Bonus Balance $ 6.40
Now Cashback Bonus This Period + 0.00
CcA6ock Bonus Balance $ 6.40
Cashback BonusS Anniversary
Month: June
How Can We Help You? 1 Visit Discover com to pay your NO for no coat, view r
P latest Account information, earn and redeem re sand more
ft's your choice - 3 ways to help 2. Call 1-8004YSCOVER (347-2683) for lost, easy selFservice
options or to speak with a Customer Service Account Manager
Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943,
For TDD (assistance For hearing impaired) see reverse side Sak Lake City, LIT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Date Dale
Payments and Credits Aug 7 Aug 7 INTERNET PAYMENT THANK YOU $ -246.00
Information For You
This month, the featured Cashbock BonUS(R) Redemption Partner is Bed Bath & Beyond(R). Redeem $20 Cashback Bonus for
a $25 Bed Bath & Beyond gift card.
Fig-p-charge Summary
Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Per is PERCENTAGE PERCENTAGE F%4MCE FINANCE
Balances Rates RATES RATES CHARGES CHARGES
current billing period: 31 days
Purchases $611716 0.05477% 19.99% V 19.99% $103.86 $0
Cash Advances s0 0.06847% 24.99% F 24.99% $0 $0
Balance Transfers $6170.25 0.01616% 5.90% F 5.90% $30.90 s0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
Moportant Infomtadon. If tare is more Char one page to this billing statement, sea the back of each page lor addMonal inportarrinfarnalon. o
See your Carda enter Agreement Your CadinrernberAgreemeM contains all the terms of your Account rn
z
Lost or stolen cards Report immediately! Cal 14"7-2683. D
Bllrg Rights Summary. In Case of Errors or Questions About Your Bit: If you think your bill is wrap, or d you need more information about a transaction on your bit
write to us on a 0
,
separate sheet at paper at Diimver, PO Box 30421, Sal Lake City. UT 84130-0421, as soar as possible. We must hear from you no later tan 60 days alter we act you the test bit on
$
which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your lter, give us the following information: N
Your name and Account number.
The dolar amount of to suspected error.
Describe the error and explain. V you can, why you believe there is an error 0 you need more information, describe the em you are unwre about
You do not have to pay any amount in question while we are investigating, but you are all obligated to pay the parts of your bill that are not n question. While we investigate your
question. we cam report you as deMpuent or take any action to collect the amount you question.
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services. all purchases are covered regardless of to amount or location of purchase.)
Payments. Send only your payment and the top portion of this statement in the envelope provided. Do not send ash. By sending you check as described abate, you aWhaize us to
use information on your check to make an elecbonic lead transfer from your amount at the financial insiWiah indcaled on your dhedk or to process the parent as a check transaction.
I payment is processed as an electronic fund transfer, to transfer will be for the amount of the dhedk. Mari we use information from your check to make an 11 1 r a, kind transfer,
turfs may be withdrawn from your account as soon as the same day we receive your payment, and you wit not receive your check back from your financial institution.
The protesting of you payment may be delayed l you send cash, correspondence or offer Name with your payment, if you send the payment to any other address or l you use an
envelope other than the one provided. Payments received in proper form at our pocesseg faclfrly by 5M local done on any day will be aedled to yourAmorrt asd that day Payments
received at our processing facility afar 5PM local time wit be credited b your Acmunt as of the next day. l you have misplaced your envelope, send your palmwn to Discover. PO Box
6103. Carol. Streant, IL 60f97-6103. Reese Am 7-10 days for delivery. If your papiient is returned' unpaid, we reserve the right to resubind l at an eledr6Gc debit.
You an pay your mvian arm payment or a greater amount over the telephone, and you can set up automatic payments. Call us at 1400-347-2683. You wil need tae statement and your
bank account nformaim. You must ensure that sufficient kinds are available in your bank account, and all transap as must comply with U.S. law. You wit be asked to provide the first
5 digs of your account statement ZF code. By trdaing those numbers as your electronic signature, you will be agreeing to In autha¢ation to allow us and your bank b deduct each
payment you atilhom from your bank account and to mink debit or credit entries to your bank account, as applicable. to correct an error in the processing d such payment You must
let us the amount deaden payment o (you can select an wont such as the Minimum Payment Due or the New Balance on each statement You can cannel a payment however we
must receive nhoik a at last tree business days in advance of the scheduled payment. You may notify us by phone at 1-8W347.2683 or by mat at to address listed its the previous
paragraph. If your parents vary in amoun , we will let you on each ngnfthy statement when your payment will be made and how much ft will be. Your aumhadc payment amount may
be ass than indicated an the monthly statement based on credhls or payments applied during the billing cycle.
Credie f8rportrrg. We may report Information about you amount to credit bureaus. Late payments, missed payments, or other debuts on you account may be reflected in your aedit
report We normally report to status and payment history dyourAcco ni to credit repoiing agendes each month. It you believe that our report is ihaccuate or incomplete. Please wrde
us al to loAowkg address: Discover. PO Box 15316, Witninglon. DE 198545316. Please include your name, address. torte telephone number and Acmunl rxrrber.
Grace Period on Pwic hates (at least 25 days} We begin to impose Periodic Finance Charges on al transactions from the Transaction Dace far the transaction as Shwa on your
bing statement utess a trah$at W is posted to your Account after the dose of the billing period in which i occurs, in which case we begin b wpm Periodic Finance Charges on that
tarsacbm from the first day tithe blirg period in which It is posted to you Account We condrre to inpose Periodic Frhance Changes until to date you pay your aft New Balance,
by matirhg payments or receiving credta. However, if you paid Me New Balance on your previous burg statement by the Payment Oue Dale shoom on that billing statement and you pay
to New Balance by the Payment Due Date on your anent biling statement, we will not impose Periodic Finance Charges on new purchases, that is, puc teases fret appearing on the
current blirhg statement We all cis te'grace peniod.' There is no grace period on balance transfers or ash advances.
MWmum Finance Charge. We will charge you a minimum FINANCE CHARGE of $.50 for any biting period in which Periodic Finance Charges of less than 5.50 would otherwise
be imposed.
Amud Fee. If yorAccohd has an annual fee, l will be billed al the beginning of each anniversary year your Account is open. The amount of the tee appears an the statement when to
fee is billed. The annual fee is not rekadable unless you notify is that you wish to dose yo rAccont within 30 days of the mating or deivery date of the stalemart an which the fee is
bled You will receive In mein even l you use your Card during that period.
Periodic Finance Charges. We sat your hallsafnlons heb groups of purchases, cash advances, and balance transfers and than further sort the nansactio+K within each group by
rr Annual Percentage Hate. For example, pun-hasessubled to a promotional rave and purchases subject to a st3r+dahd rate would be separate groups. We refer to these groups as
transaction caegortes. At the end of each biling period, we canpule balances and Parodic Finance Charges for each day of the billing period for each transaction category. ft use to
blbwig equation to mmpu* Periodic Finance Charges for each tralsacim category:
(Average Daly Balance) Imes (days in WV period) dries (Daly Pam& Rate)
(You hey refer to to finance charge summary on your biing statement for lase amounts.) Therh we add up the Periodic Finance Charges for each transaction category to get the total
Periodic Finance Charges for yvurAanunt. The Average Daily Balance is shown as zero 'd, because of" grace period, no Periodic Finance Charges apply to tie balance in a
"""° 65
Vile use to Average Daly Balance (nduding new kasaclim) method of calculating to balance loon w 1ridv we rpm Periodic Finance awrges We contyule the Average Daily
Balance for each ransactorn category by adding up al to daily balances in a tiling period for a trahsacim category and dividing the total by to number of days in the billing period.
We compute le dell balance for each transaction category on each day by fist adding the following to the previous days d* balance: transactions with a Transaction late of dim
day as dawn on your bike stetenenrt unless the transaction is posted to your Account after the dose of the billing period in which it occurs. in which case to lra Becton will be added
to the daily balance as of to first day dine bring period in which It is posted to your Account, fees charged that day and Periodic Finance charges accred an tie previous days daily
balance; and by then subtacYg ary credits and payments that are applied against the balance of the transaction category on that day In calculating the daffy balance for the first day of
to bi ng period. we consider te'prewous day's daily balance to have been your balance for each transaction category on the last day of your previous billing period
At lees charged to your Account we added to the standard purcase transaction allegory with the exception of Cash Advance Transaction Fee Finance Charges which are added to the
applicable cash advance transaction calagory and Balance Transfer Transaction Fee Finance Charges which are added to the applicable balance barter bahsachm category When
the special raft expires, we move the unpaid balance of be balance transfer and the Balance Transfer Transaction Fee Finance Charges b the standard purchase tahsaaim category
.
However, 9the special rate has been lenranaled under de Default Rae section, we leave the unpaid balance tithe balance transfer and the Balance Transfer Transaction Fee Finance
(charges in the applicable balance transfer transaction category until the special rate would have expired.
For TDD (Tdaramrnuniatiors Device for the Deaf) assistance, please call 1400-347-7449.
D=m may mnrnikr ardlor record telephone calls between you and Discover representatives for quality, assurance purposes.
The Discover` cad 6 awed by Discover Barb. Member FDIC. OITBK171
DISC VER
dosing Date: DOUGLAS
number ending in 1740
August 12, 2009 page 2 of 2
Cashback Bonus ® Award Summary
Cashback Bonus Anniversary Date: June 12 Balance
Previous Cashback Bonus Award Balance $ 6.40
Purchase Award This Period + 0.00
Cashbac Bonus Award Total 6.40
Cashback Bonus Award Balance
Award Available to Redeem
8966465
6.40
$ 6.40
Restrictions apply to the Cashback Bonus Parh?er offers visit Discover can or call 1800-WSCON? )1-800-347-2683) for
details. For program details, see the Cashback Bonus Program Terms and Conditions.
c New Balance
04
DISCO AVER $12 ;Minimum Payment Due Account Number ending in 1740
,
9.99 $241.00 Enter Amount Enclosed Below
Payment Due Date - $ -?
October 7, 2009 Please make check payable to Discover Card or
pay online Q Discovercard.com.
12 SDSN6A010005236
DOUGLAS ROSS Gopaperlessandmake your account
SERLA ROSS information more secure with password-
protected statements only youcanaccess.
510 LAMP POST LN Learn more at discovercomlpapeeless.
CAMP HILL PA 17011-1429
PO BOX 71084 III ndlurrrrl6rld6rrll
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print chan=.z.
spIrr?rll?rlrrrlrllrrrlrr?rlrrr?I??rrrlrrlrrlrrllrtlrrlrrlrlrrll
above, or go to Discover.com. Print your e-mail receive important Account information and special offers.
000001986458146742081120499900000000024100
Discover More Card Account Summary
Closing Date: September 12, 2009 page 1 of 2
Account number ending in 17,40 Previous Balance $12,158.64
Payment Due Date October 7 2009 Payments And Credits 244.00
Minimum Payment Due $241.00 Purchases + 0.00
Credit Limit $12,500.00 Cash Advances + 0.00
Credit Available $450.00 Balance Transfers + 0.00
Cash Credit Limit $6,300.00 Fiance Charges + 135.35
r'-sh Credit Available Wn.w New Balance $1 ? ^49 09
reverse side for details. y
Cashback Bonuse Opening Cashbock Bonus Balance $ 6.40
New Cashback Bonus This Period + 0.00
Cashback Bonus Balance $ 6.40
Cashback Bonua Anniversary
Month: June
How Can We Hel You?
P I Visit Discovercom to pal' your bill for "° cost, view r
latest Account information, earn and redeem rewards and mane
It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast
easy sell-service
Please have your Discover Card available. ,
options or to speak with a Customer Service Account Manager
For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943,
Salt Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Tr
ans. Post
Dais
Payments and Credits Sep ,4 Sep 4 INTERNET PAYMENT THANK YOU $ -244.00
Information For You
Enroll in Paperless Statements for your chance to win big. Go paperl ss and you can win up to $15,000 cashl Learn more
at Discover.com/sweepstakes.
Fi19ameaCharge Summary
D
P
y Nominal Transaction
P eriodic
F
R
A
NT
aily
e i
is PE
CENT
GE PERCE
AGE
FlINAN(g
FINANCE
Bold ntos Rates RATES RATES CHARGES CHARGES
current billing period: 31 days
Purchases $6221.88 0.05477% 19.99% V 19.99% $105.64 $0
Cash Advances $0 0.06847% 24.99% F 24.99% $0 $0
Balance Transfers $5931.37 0.01616% 5.90% F 5.90% $29.71 $0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
Important Information. If there is more than one page to this bitting statement see the bade of each page for additional important information.
See your CardmemberAgnemeM. Your Carlmernber Agreement contains 311 the terms of Your Account
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Lost or stolen cards. Report immediately Call 1.1100.317-2683. >
0
BiMng Rqhb Summary. In Case of Eras or 4ueshonsAbaA Your Bill: If you think your bill a wrong, or l you need more iokxrnabon about a transaction on your bill. write to us on a o
separate sheet of papa at Discover. PO fox 30421, Salt Lake City, UT 54130-0421, as soon as possible. We must hear train you no borer tan 60 days after vre sent you de fist bill on °o
which the era or problem appeared. You can telephone us. but doing so will not preserve your rights. In your letter, give us to ktlbwig inlmnabon:
Your new and Account number.
The dollaramourd o (the suspected error.
Describe the error and exgaht, If you can. why you believe there is an error. t you treed more information, describe 0te tern you are unsure about
You do not have b pay arty amount in puestm while we are investigating, bid you are sit obligated to pay the, parts of your bill that are not in question. While we rNestigge your
question. we cannot report you as delinituertt or take any action to collect the amount you question.
h-?'kW!1Ta$e5'tyw flaYt: ,l huJ?Pf". t r':p„ll;. ?..,Y;:, il: ,,,. fS m?:k'.j r .. ?.... •_ y
vme prubieru whin foe meraant you may not nave to pry t* remaulog amount due a i d!e goods u s::, vres. YOU tar a v N ?;r ?cn a y I., -n ,,. r ?,? y rz:.ws 41MW than a:>v
and the purchase was made in your home stale or will 100 miles of your mailing address. (t we own or operate the mere art. or t we mailed you the adv nerr for the goods or
services, all purchases are covered rregardess of the amount or location of purchase-)
Payments. Send only your payment and the tap palm of ids statement in the envelope provided. Do not send cask By sending your check as described above, you au0nliae us to
use information on your died to mate an electronic tad transfer Gam your account a the financial isiUAlorh indicated on your check or to process the parsed as a died transaction.
t payment is processed as an electronic kind transfer, the transfer will be for the amount at the check. When we use trdomnatim from your check to crake an deaon . kind transfer,
funds may be witdrawvt from your account as soon as the same day we receive your payment and you will not receive your died bad from your financial insbution.
Tile processing of your payment may be delayed I you send ash. correspondence or other items with your parent, ilyou send the payment to any otter address or if you use an
envelope other than the one provided. Payments received in proper form at our processing facility by 5PM foal lime on any day will be credited to your Account as of that day. Payments
received at our processing Wily after 5PM local lime wig be aedted to your Account as of the next day. If you have misplaced your envelope, send your permit to Discover, PO Box
6103, Card, Stream, 160197-6103. Please allow 7-10 days for delivery t your payment is returned unpaid, we reserve the right to resubmt l as an electronic debit.
You can pay your minimum payment or a grater arrant over the telephone. and you an set up automatic payments. Cal us at 1-800-347-2683. You will need On statement and your
bank scant inton nation. You most ensure that st iert funds are available in your bank account, and at Gansaaons must comply with U.S. law. You will be asked to provide to fret
5 d" of your account statement ZIP code. By entering tense nunbers as your electronic signature, you will be agreeing b His authorization to allow us and your bank to dedA each
payment you atthonze from your bank account, and to nil iale dndl or credit entries to your bank account, as applicable, to cared an error in the processing of suit h payment. You must
tell us the amount of each payment or you an select an amouurt such as the Minimum Payment Due or the New Balance on each statement. You an cancel a paynne t: however we
must receive notice at last tree business days in advance of go scheduled payment. You may notify us by phone at 1-800-347.2683 or by mail at the address iskW in the previous
paragraph. t your payments vary in amour, we YA toil you on each morhthy statemerd when your payment will be made and taw much t will be. Your automatic payment anout may
be less than indicated on the monthly statement based an credos or payments applied during the billing cycle.
Credit Reporting. ft may report information about your account to credit breaks. Late payments, missed payments, or other defaults on your account may be relleded in your credit
report. ft normally report the status and payment history of your Account to aedl reporting agencies each monhh. t you believe that as report is inaccurate or ncanplele, Please write
us at the following address: Discover, PO Book 15316. Wilmington, DE 19850-5316. Please include you name, address, home telephone number and Account camber.
Gran Period on Purchases (at least 25 days). ft begin to impose Periodic Finance Chews on all transactions from the Transaction Date for the Varsackon as shown on your
bigng statement unless a transaction is posted to your Account ate the dose of the billing period in which I occurs, in which case we begin to repose Periodic Finance Charges on that
transaction from the fast day cite billing periods wNdn i is posted to your Account- We continue to repose Periodic Finance Charges until the date you pay you ertne New Balance,
by morning payments or receiving aedds. Iow ,, it you pad the New Balance on your prevous billing statement by the Payment Due Dale shown on tent bill" statement and you pay
the New Balance, by the Payment Due Dale on your current filling statement. we will not impose Periodic Finance Charges on new purchases, that is. purchases first appearing on the
current bung statement. We al this the grace period.' There is no grace period on balance transfers or cash advances
Minimum Finance Chargt. We will charge you a m iniraurn FINANCE CHARGE of $.50 for any billing period in vhich Periodic Finance Charges of less than S.50 would otherwise
be imposed.
Annual Fee. lt yourAccourt has an annual fee, t will be tilled at the beginning of each anniversary year your Account is open. The amount of the fee appears on the staemaa when the
fee is billed. The antra fee's not mf ndahle unless you notify us that you wish to dose your Account w" 30 days of the trading or delivery date of the staternerd on which the fee is
billed. You well receive this refund even if you use your Cad during that period.
Periodic Finance Charges. We sort your irahsadias info groups of purchases. cash advances, and balance traslas and then forte sortie transactions wehir each gaup by
der Annual Percentage Rate. For example, purchases su *d to a promotional rate and purchases m*d to a standard rate would be separate groups. We refer to these groups as
transaction categories. At the end of each billing pebd, we compute balances and Periodic Finance Charges for each day of the tiling period for each transactim category . We use to
following equation to oorrpute Pencil is Finance Charges for each trarsackm category.
(Average Daily Balance) times (days in btl6tg period) Ines (Daly Periodic Rate).
(You may refer to de finance charge summary on you billing statement for these amounts.) Then we add up the Periodic Finance Charges for each transaction category to gel to lots
Pew* F?Charga for your Acaoum. The Average Daly Balance is shown as zero t, because of the grace period, no Periodic Finance Charges apply to the balance in a
15b use the Average Daily Balance (including new transactions) method of c*daing the balance upon which we impose Periodic Finance Charges We convuse the Average Daly
Balance for each Vansaction category by adding up all the daily balances in a billing period for a transaction category and dividing the total by the amber of days it de I1aing period.
We compute the daily balance for each transaction category on each day by first adding the taNowig to the previous day s dairy balance: transactions with a Transaction Date of that
day as shown an your bibhg sfalemelL unless the transaction is posted to yowAccount after the dose of [he bikV period in winch t occurs, in which case the transaction will be added
to the daily balance as of the fist day of the Wing period in which it is posted to your Account, lees charged that day and Periodic France Charges accrued an the previous days daily
balance; and by then subbadig any credits and payments that are applied against the balance of the transaction calegory on that day in calculating the daily balance for the first day of
the tilling period, we consider the'previo s day's daily balance' to have been you balance for each transaction category on the last day of your previous billing period.
Ail fees charged to you Account are added to die standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to to
applicable cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable balance transfer trasac4m category . When
the special rate expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to tle standard purchase transaction category
However, it de special rate has been termneled under the Default Rate section, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance
Charges in the applicable balance transfer trai saction category until the special rate would have expired-
For TDD (Telecommunications Device for the Deaf) assistance, please call 1404347.7149.
Discover may monitor andfor record telephone cats between you and Discover representatives forquality, assurance purposes.
The Discover' card is issued by Discarer Bank, Member FDIC. OITBK171
DISC VEIZ
Closing Date: DOUGLAS ROSS
September 12, 2009 Account number ending in 1740
page 2 of 2
Cashback Bonus ® Award Summary
Cashback Bonus Anniversary Date; June 12 Balance
Previous Cashback Bonus Award Balance $ 6.40
Purchase Award This Period + 0.00
Cash ack Bonus Award Total 6.40
Cashback Bonus Award Balance
Award Available to Redeem
8966465
6.40
$ 6.40
Restrictions apply to the Cashback Bonus Partner offers visit Discover cam or call 1-800-DBCOVER (1-800-347-2683) for
details. For program details, see the Cashback Bonus Program Terms and Conditions.
DISCOVER New Balance irMinimum Payment Due Account Number ending in 1740
$12,323.76 j $247.00 Enter Amount Enclosed Below
Payment Due Date $
Nova. ber 7, 2009 Please make check payable to Discover Card or
pay online Q Discovwcard.com.
12 SDSN6A01 0005237
DOUGLAS ROSS your account
o make
S E R L A ROSS d
information m
secure
510 LAMP POST LN pr?ected statements arty you can access
Learn more at discoveccorNpaperless.
CAMP HILL PA 17011-1429
PO BOX 71084 Illurllnnrrllulsllnrll
CHARLOTTE NC 28272-1084
Address, e-mail or telephone changeR Print change in space ?nIrllnII11lo1if IIIIfill If rllllorlr,lrfill llrr11111111111
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458146742081123237600000000024700
Discover More Card Account Summary
Closing Dale: October 12, 2009 page 1 of 3
Account number ending in 1740 Previous Balance $12,049.99
Payment Due Date November 7, 2009 Payments And Credits 241.00
Minimum Payment Due $247.00 Purchases + 381.55
Credit Limit $12,500.00 Cash Advances + 0.00
Credit Available $176.00 Balance Transfers + 0.00
Cash Credit Limit $6,300.00 Finance Charges + 133.22
Cash Credit Available $176.00 New Balance $12,323.76
v i)It .r.-,.r n'"Q nth to .«.N ,.y .re. x4
reverse side for details.
Cashback Bonuse Opening Cashback Bonus Balance $ 6.40
New Cashback Bonus This Period + 0.95
Cashback- Bonus -Anniversary
Month: June
Cashback Bonus Balance $ 7.35
How Can We Help You? 1 Visit Discover com to pay your bill for no test, view your
P latest Account information, earn and redeem rewards and more
It's your choice - 3 ways to help 2. Call 1.8004)ISCOVER (347-2683) for fast, easy self-service
options or to speak with a Customer Service Account Manager
Please have your Discover Card available. 3. Write us of Discover Card, PO Box 30943,
For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Dote
Payments and Credits Oct 6 Oct 6 INTERNET PAYMENT THANK YOU $ -241.00
Merchandise/Retail Oct 4 Oct 4 RITE AID MECHANICSBURGPA 26.63
Oct 10 Oct 10 WAL-MART SC #1886 MECHANICSBURGPA 32,28
Gasoline Oct 5 Oct 5 GIANT FUEL #263 ENOLA PA 31.75
010097
&gnnmdah Oct 2 Oct 2 GIANT FOOD #263 ENOLA PA 115.95
010031
Oct 5 Oct 5- - GIANT-FOOD #263 ENOLA PA 63.39- - - - -
010154
Oct 10 Od 10 GIANT FOOD #263 ENOLA PA 111.55
010059
8966465
Important Mformation. If there is more than one page to this bing sfatannere, see the hack of each page for additional important information- Cn
Sea your Cardmember Agreemerk Your CardmemberAgreement contains at the terms of your Account co
Z
Lost or stolen cards. Report immediately! Call 1.800.37-2613. o
BOM Rights Summary. In Case of Errors or OuestionsAbaA Your Bill: If you think your bill is wrong, or f you need more information about a transaction on your bill. wry to us on a o
separate sheet of paper at Discover, PO Box 36421, Sall Lake City, UT 841360421, as soon as possible. We must hear from you no later than 60 days after we sera you tine first but an
°o
which the error or problem appeared. You can telephone us, but dokx3 so will not preserve your rights. In your letter. give n5 the following nbnnalion: N
Your name and Account saber.
The dollar amount of the suspected enor
.
Describe the error and explain, if you can, why you believe there is an error If you need more information, describe the item you are unsure about
You do not have to pay any amount in question while we are invesigaft but you are still obligated to pay the parts of your bill that are not in question. Mile we Investigate your
question, we carrot report you as delinquent or take any action to oollad the amaonl you question.
Syz !a1 Pete'. , r tv ! +r * Pre tie ».es to y? `'? tie a problem with nhe V o}-Inrl- e ....? rs kr_l you W ha-i w a i",4 ? vri *v+ v n ited n good f:drlo urn :; _
ale probldn w iL &' a „t, you may,xrh na.e tied pay 11M remankhg an
ood .eon goo a ?er:x e s. u , k .-.:: ;, r xa i,.F . +ni he urt?ra ;one cow i eOaw h S w
and the purchase was made in your tame state or withhah 100 mks of your mailing address. (t we own or operate the merchant, or d we mailed you the advertisement for the goods or
services, all pxc hases are covered regardless of the amount or location of purchase.)
Payments. Send aty your payment and the tap portion of this statement in the envelope provided. Do not send cash. By sending you dodo as described above. you authorize us to
use inforraion on your check to make an electronic lend transfer born your aoomm at the financial nslikkorh indicated an your chedc or b process the payment as a check transacion.
t payment is processed as an electronic find transfer, the trader will be for the amount of the check. When we use ioiormatim from your check to make an ekft* fund transfer,
Ards may be witdneen from you account as soon as the same day we receive your payment and you will not receive your check bade from you fnaxial institution.
The prooessibhg of you payment may be delayed if you send cash, mmesti hdence or other tars with your payment, 9you sad the payment to any other address or i you use an
em iebpe other than the one provided. Payments received in proper fare at our processing facility by 5PM local area, on any day will be credited to your Account as of that day. Payments
received at our processing (softy, after SPM bcal tine will be credited b yourAoomd as of ft next day 0 you have misplaced your envelope, seed your payment to Discover, PO Box
6103, Carol, Stream, IL 60197-6103. Please allow?-10 days for delivery. If your payment is returned unpaid, we reserve to right to resubmit f as an electronic debt
You can pay your minimum payment or a greater amount over the W phew, and you an setup automatic payments. Cal us at 1-600347-2663. You win need this statement and you
bat account information. You must awe that sufficient beds are available in your bank aooounl, and all transactions must comply with U.S. law. You will be asked to provide the first
5 digits of your account statement ZIP code. By entering those numbers asyour ekdrahic signaki e, you will be agreeing to this aAlvaakon In, allow us and you bark to deduct each
payment you au0horae team your bat account, and to watiate debit or credit entries to your barer account, as applicable, to correct an error in the processing of such payment. You must
tell us the arnourt of each payment or you can select an amount such as the Miwaxn Payment Due or the New Balance on each sbkmes You can oxnccet a payment however we
must receive notice at toes! twee business days in advance of the scheduled payment You may notify us by phone at 1.8[10-347-2683 or by mad at the address listed in the previous
paragraph. I your payments vary its amount, we will tell you on each monthly statement when your payment will be made and how much it will be. Your automatic paynne t amcurt may
be less than indicated on the monthly statement based on craft or paymens applied during the billing cycle.
Credit Reporting. We may report nbmhation about your account to credo bureaus. Late payments, mussed payments, or other defaLft an yam account may be related in you credit
report. We normally report the staNs and payment hhistay of yeurAccount b aedf reporing agencies each rnoMh. I you bekw that our mpcrt is inaccurate ormoompleb, please write
us at the blowing address: Discover. PO Box 15316, Wtminglon. DE 198505316. Please kmdude your now, address, (home Wephhone n umber ad Account number.
Grace Period on Purchases (at kart 25 days). We begin to Impose Periodic Finance Charges on all transactions from the Transaction Date for the transaction as shown on your
biting stabnnerht, unless a trarsadim is pasted to yourAccoxsd after the dose of the biting period in which I access, in which case we begin to impose Periods Finance Chagas an that
tra sectiah from the fret day of the King period in which ft is posted to you AwanL We confirm to impose Periodic Fiance Charges urd the date you pay your entire New Balance,
by making Payments a receiving credits. However, Iyou Paid the New Balace on your previous billing statement by the Payment Due Dale shown on that big statement and you pay
the New Balance by the Payment Due Date on you current biting statement, we wig not impose Periodic Finance Charges on new purchases, that is, purchases first appearing on the
current biting stalemett We cat this the -grace period:' There is no grace period on balance transfers or cash advances.
Minimum Finance Charge. We will charge you a minnaum FINANCE CHARGE of 5.50 br any biting period in which Periodic Finance Charges of less than 5.50 would otherwise
be imposed.
Annual Fee. I your Account has an amid fee, it will be billed at the beginning of each anniversary year your Account is open. The amount of the fee appears on the statement when the
fee's bead. The annual fee is not refundable- unless you notify us that you wish to close your Amount within 30 days of the mailing or delivery date of the statement on which the fee is
billed. You will receive this shad even 9 you use you Card during that period.
Periodic Finance Charges. We sort you transactors into groups ntpuchases, cash advances, and balance transfers and then further sod the transactions within each group by
their Annual Percemage Rate. For example. Nachases sot t;t to a promotional rate and purchases subject to a standard rate woe ld be separate groups. We refer to these gaups as
transaction calegories. At the end of each billing period, we compute balances and Periodic Finance Charges for each day of the billing period for each trahsactiah category. We use the
fallowing equation to compute Periods Finance Charges for each transaction category:
(Average Daly Bad) tic- (days in biting period) times (Daily Periods Rate).
(You may refer to the finance charge summary on your billing statements for these amounts.) Then we add up the Periods Finance Charges for each transaction category to get the total
Periods Finance ce 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
o-anse896"65
We use the Average Daily Balance (including rhew trarsaodions) method of calculating the balance upon which we impose Periods Finance Charges tik compote to Average Daly
Balance for each transaction category by adding up all the daily balances in a berg period for a transaction category and dividing to total by the number of days in the billing period.
We compute the dally balance for each transaction category on each day by first adding the following to the previous day's daily balance: iasabors with a Tiasacton Date of that
day as shown on you billing statement, urdess the transaction is posted to your Account after the close of lie billing period in which it occurs, in which case the Immattion will be added
to the daily balance as tithe fist day of the toiling period in which t is posted to your Account, fees charged that day and Periodic Ririe Charges accrued on the previous clays defy
balance; ad by than subtracting any credits and paymeft that are applied againg the balance of the transaction category on that day In calada i g the daily balance for the first day of
the big period, we consider the'previaxs day's defy balance- to have been your balance fa each transaction category on the fast day of your previous billing period.
AN fees charged to your Accaxd are added to the standard purchase transaction ategoy with the exception of Cash Advance Transaction Fee Finance Changes which are added to the
applicable ash advance transaction category and Balance TransWTrarsartion Fee Firhance Charges which are added to the applicable balance transfer tasaction calegony. Where
the special cab expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction oaagmry.
However. i the special rate has beer terminated under the Default Rate section, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance
Charges in the applicable balance transfer transaction calegoryr a el the special rate would have espied.
For TDO (Telecanmunicalions Device for the Deaf) assistance. please cat 1400.347-7449.
Discover may monitor ardor record telephone cats between you and Discover representatives for quality assurance purposes.
The Disc` card is issued by Discover Bantu, Member FDIC. OITBK171
DISC VER
It pays to DOUGLAS ROSS
DISCOVEK Account number ending in 1740
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.
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02010 Discover Bank, M..6 r FOK
s
PPRGRN.0010
Closing Date: October 12, 2009 page 2 of 3
5b Charge Summary
Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERC91TAGE PERCMAGE FRdA1G1E FNANCE
Balances Rotes RATES RATES CHAM CHARGES
current billing period: 30 days
Purchases $641710 0.05477% 19.99% V 19.99% $105.44 $0
Cash Advances $0 0.06847% 24.99% F 24.99% $0 $0
Balance Transfers $5730.72 0.01616% 5.90% F 5.90% $27.78 $0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
Questions? Manage your account at Discover.com or
call 1-800-DISCOVER (1.800-347-2683).
DISC( -,)VER
Closing Date: DOUGLAS ROSS
October 12, 2009 Account number ending in 1740
page 3 of 3
Cashback Bonus ® Award Summary
Cashback Bonus Anniversary Date: June 12 Balance
Previous Cashback Bonus Award Balance $ 6.40
Purchase Award This Period + 0.95
Cashback Bonus Award Total 7.35
Cashback Bonus Award Balance
Award Available to Redeem
8966465
7.35
$ 7,35
Restrictions apply to the Cashback Bonus Partner offers visit Disc~com or call 1-800-DISCOVER (1-500-347-2683) for
details. For program details, see the Cashback Bonus Program Terms and Conditions.
DISC VER S12,68a41a60
12 SDSN6A01 0005238
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Minimum Payment Due Account Number ending in 1740
$497.00 Enter Amount Enclosed Below
Payment Due Date
December 7, 2009 Please make check payable to Discover Card.
Y
l
h
ou are over
imit. Pay t
e sum of the monthly
minimum payment plus the ovedimit amount of
$184.60.
Go paperless and make your account
information more secure wRh password-
staternerits, only you can access.
Lin more at discover co ntpaperless.
PO Box 71084 1lime rltrrrr..ll..lrllrrrll
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space Innlrllnlrlrlrllif ll11111of lllll1nltill IIrtIIr,Igo I111111111
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458146742081126846000000000049700
Discover More Card Account Summary
Closing Date: November 12, 2009 page 1 of 1
Account number ending in 1740
Payment Due Date December 7, 2009
Minimum Payment Due $497.00
Credit Limit $12,500.00
Credit Available $0.00
Cash Credit Limit $6,300.00
Cn%h Credit Available $0.00
Previous Balance $12,323.76
Payments And Credits 0.00
Purchases + 214.94
Cash Advances + 0.00
Balance Transfers + 0.00
Fiance Charges + 145.90
New Balance t19 tiRA.60
4 ? -„?_:.. tin .?•? ?
reverse side for details.
Cashback BOnuSe
Cashback Bonus* Anniversary
Month: June
Opening Cashback Bonus Balance $ 7.35
New Cashback Bonus This Period + 0.33
Cashback Bonus Balance S 7.68
How Can We Help You?
P I Visit Discover com to pay your bi for cesL view r
latest Account infarmdion, earn and redeem rewards and more
It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service
Please have your Discover Card available options or to speak with a Customer Service Account Manager
. 3. Write us at Discover Card, PO Box 30943,
For TDD (assistance for hearing impaired) see reverse side Sale Lake City, UT 84130
Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence.
Trans. Post
Date Date
Merchandise/Retail Oct I 1 Oct 13 PETCO 1891 63518914730 MECHANICSBURGPA $ 26.49
Oct 16 Oct 16 WAL-MART SC #1886 MECHANICSBURGPA 8574
01her/Miscellaneous Nov 8 Nov 8 LATE FEE 39.00
Nov 12 Nov 12 OVERLIMIT FEE 39.00
Supermarkets Oct 12 Oct 13 GIANT FOOD #263 ENOLA PA 24,71
010133
Information For You
"' ATTENTION Your account is past due. Please pay the past due amount now, or contact us to make other
arrangements.
fibvpm Charge Summary
Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FprANfl FINANCE
Balances Rates RATES RATES CHARM CHARGES
current billing period: 31 days
Purchases $6949.04 0.05477% 19.99% V 19.99% $117.99 $0
Cash Advances $0 0.06847% 24.99% F 24.99% s0 $0
Balance Transfers $5573.71 0.01616% 5.90% F 5.90% $27.91 $O
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
Discover(R) gift cards make easy holiday gifts. Now save $2 on the purchase fee of each gift card - plus FREE shipping
Personalize gift cods with names and messages. Many have matching greeting cardsl Save through 12/31/09 - enter
GIFT4 at DiacoverGiftCard.com
Important Mormadon. N there is more than one page to this bFing statement see the bads of each page for additional important inbrmabon. o
See your CmdmernbtrAgreement. Your Cardmember Agreement contains all the berms of you Acoount. m
z
Lost or -I n' cards. Report kn ediatelyl CoN i4DC 47-2611. n
0
Billing W06 Summary. In Case of Errors or Questions About You BA: N you tw* your bill is wrong, or it you need more information about a transaction on you bill, mite to us on a
C.
separate sheet of paper al Discover. PO Box 30421. Sap Lake Ck UT 841300421. as soon as possible. We must hear from you no later tan 6D days alter we sent you to fist bill an
wtath the error or problem appeared. You can telephone us, but doing so will not preserve you rights. In you letter, give us the mowing inbrmaticn:
You nave andAccount number
.
The dollar amourd d the suspected error. n
Describe the error and explain. I you an, why you believe thine a an error. N you need more intimation, describe the item you are unsure about x
You do not have to pay any amount in question while we are investigating. but you are still obligated to pay the pads of you bill that are not in question. While we investigate you
question. We carat report you as delinquent or take any action to collect the amount you question.
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Owiahh with tfrocrh, You may ru have•tc : pay the remains g anoud a.c .m su. 3.nus ur seni'cb.'lou _wo u ik i&" crry i aw PLaawse p;c a" r." , uWit itiO
and !tor purchase was made in you home state or within 100 miles of your maing address. (N we own or operate the merchant or if we mailed you the advertisement for the goods or
services, all purdases are covered regardless of the amours or location d purchase.)
Payments. Send only your payment and the top porion of Ids statement in the envelope provided. Do nil send cash. By sending your check as described above, you aul hom us b
use idamaYm on your died to make an electronic fun trahsler from your annul at the financial institution indicated on yaw dhedc or to process the payment as a dhadt transaction
N parrot is processed as an electronic kmd transfer. No Urdu will be for the amount of the check. When we use information from your check to make an dexi - '- kind transfer.
fads may be withdrawn from you account as soon as the same day we receive you parnent, arid you will rat receive you check back from you knahdal nstkOM
The pmexsaig of your payment may be delayed if you seed cash, correspondence or ether items wfh your payment, N you send the parrot to any other address or N you use an
envelope other than the one provided. Parrem6 received in proper ben at or (rocessirg facility by %M local time on any day will be ued[ed to your Account ea of that day. Parneets
receiv=P-M"12197-003. fancy Abler 5PM local Vine will be credited b yo rAocourht as of the next day. If you have misplaced your ernebpe, send your payment to Discover. PO Box
6t03, ,Please allow MO days fix de6vay. If your payment is mkrned unpaid, we reserve to right to resubmit it as an electrons dsbi.
You can pay your miNmun payment or a grouter amount over the telephone, and you can set hp automatic payments. Cal is at 1. l)-347-2681. You will need his aatemenl and your
back acoout Wormaion. You must ensue that sufficient kinds are available in your bm* accord and an transaction must comply with U.S. W. You will be asked b provide the first
5 digits of your account statement ZIP code. By moving those numbers as yaw t'1xAork signalise, you will be agreeing to tlas authorization to slow hs and your bank to deduct each
parrot you aul orae ken your bank account, and to iitata debt or credit &Wm to your bards account. as applicable. to cured an eror in the processing of such payment. You must
let us the a o rt of each parnuht or you can select an amount such as the WA mom Payment Due or the New Balance on each stalwart. You can cancel a parrent however we
must receive notice at least tree business days in advance of ft sdeduned payment. You may notify us by phone at 1-600.347-2663 or by real at the address limed in ate previous
paragraph. N your payments vary in amount we will het you on each n nett' sfakeerent when your payment will be made and how much k will be. Your automatic pay met canard may
be less then indicated on the monthly statement based on credits or payments applied during the bill" cycle.
Credit RepoAYht. We may report intormaton about your account to credit bureaus. Late payments, missed payments, or other defaWS on your scout may be reflected in your as&
report. We normally report the slags and payment history of your Account b credit repo" agencies each month. If you believe that our report is Inaccurate or ihcenplete, please mite
us at the blowing address: D&owe, PO Box 15316. Winingtm, DE 196505316. Pease include your name. address. Mme telephone number and Accent number.
Grace Period on Purchases (at Nast 25 days). We begin to impose Penick Finance Charges on all transactors from the Transaction Date for the transaction as do" on your
bung stnternent unless a transaction is posted to your Account alter foe dose of the Ming period in which 4 occurs, in which case we begin b impose Periodic Fiance Charges on that
liansacYm from the first day of the billing period in which t i5 posted to your Account. ft continue to impose Periodic Finance Charges urtl the date you pay your entire New Balancce,
by meldrg payments or receiving cells. However, it you paid Be New Balance on your previous being statement by the payment: Due Date sMwn on tal fling stalernent and you pay
the New Balance by 9* Paymeml Due Date on your amend billing statement we wig not Wpm Periodic Finance Charges on new purchases, tat is, purchases first appearing on the
current billing statement We call this the'grace period." There is no grace period on balance Irmsfers or cash advances.
Midnaro Finance Charge. We will charge you a mnrruan FtiANCE CHARGE of S.50 for any bitting period in which Periortic Finance Charges of less than $.50 would otherwise
be imposed.
Annual Fee. N yourAcoount has an annual lee, d will be billed at the beginning of each anrtbversary year your Accord is open. The amount of the fee appears an the statement when the
fee is bead. The annual fee is not rehadable tintless you no* its that you wish to dose your Account within 30 days of the mailing or delivery date of the stal~ on which the fee is
bled You will receve his record &an d you use your Cad during Mal period.
Periodic Finrnu Charges. We sort your transactions into grails of purchases, cash advances, and balance transfers and then fuller sat the karmchons within each group by
tnarAnnual Percentage Rafe. For example puchoses stbjectto a promotional rate and purdhases subject to a stahds,d rate would be separate gaps. We refer to these groups as
transaction categories. At the end of each bung period. we compute balances and Periodic Finance Charges for each day d the billing period for each trarsactim category. We use the
Mowing equalim to compute Periodic Fehance Charges for each bansaelon category.
(Average Daily Balance) tines (days In Wing period) liras (Daly 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 gel the total
Periodic Finance Charges br your Aoxxu rt. The Average Daly Balance is shown as zero t, because of the grace period, no Periodic Finance Charges apply to the balance in a
" 9M65
We use the Average Dally Balance (nckdng new barmackons) method of catadang the balance upon which we impose Periodic From Charges. We compute the Average Deily
Balance for each barsacilon category by adding up all the daily baeahoes in a bring period for a transaction category and dividing the total by the number of days it the bdfeg period.
We compute She daily balance for each transaction category on each day by first adding the blowdrg to the previous days daily balance: transactions with a Transarfm Date of that
day as shown on your biting stslemet uness the transaction is posted to yaw Account after the dose of the biting period in which ill occurs, in which case the fransaion will be added
b the daily balance as of the first day of the being period in which t is pasted to you Account fors charged tot day and Periodic France Charges accrued on be previous day's daffy
balance. and by then subbaling 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
to billing period, we consider the'previous day's daily balance' to have been your buries for each transaction category on the last day of you previous baling period.
Al fees charged b your Amourt are added to the standard pudase transaction category with the exception of Cash Advance Transaction Fee Firhahce Charges which are added to the
applicable rash advance transaction category and Balance Transfer Trasactim Fee Fuhance Chages which are added to the applicable balance transfer transaction category. When
the special rate expires, we move the unpaid balance of the balance transfa and the Balance Trai sler Transaction Fee Finance Charges to the standard purchase fransacl on category
.
However, t the special rate has beau terminated under the Defeat Rate section. we have the unpaid balance of the balance transfer and the Balance Transfer Tiasacton Fee Finance
Charges in Do applicable, balance transfer transaction rategay until the special rate would hove expwW-
For TDD (Takconrmrhigtom W" for the deaf) sedsMee, please eat 140147.7449.
OiSCOM may monitor andfa record telephone rats between you and Discover representatives for quaity assurance purposes.
The Discover' card is issued by Discover Be*, Member FDIC- 01TBK171
DISCOVER $$12 Balance
12 SDSN6A01 0005239
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Minimum Payment Due Account Number ending in 1740
$751.00 Enter Amount Enclosed Below
Payment Due Date $ 1--?
January 7, 2010 Please make check payable to Discover Card.
You are overlimit. Pay the sum of the monthly
minimum payment plus the ovwiimt amount of
$407.28.
Go paperless and make your account
information more secure with Password-
protected statements orgy you can access.
Learn more at discover com?paperless.
PO BOX 71084 ?llrrrllssssssllsslsllsrs?l
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space 1n1111111nrr(III nnrI II)rnrrIIIJu)n.)rr)1r.1rdnr111rn((
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458146742081129072800000000075100
Discover More Card Account Summary
Closing Date: December 12, 2009 page 1 of 1
Account number ending in 1740 Previous Balance $12,684.60
Payment Due Date January7, 2010 Payments And Credits 0.00
Minimum Payment Due $751.00 Purchases + 78.00
Credit limit $12,500.00 Cash Advances + 0.00
Credit Available $0.00 Balance Transfers + 0.00
Cash Credit Limit $6,300.00 Finance Clwrges + 144.68
Cash Credit Available $0.00 New Balance --- - $12.907.28
y
reverse side For details.
CcAback Bow? Opening Cashback Bonus Balance $ 7.68
New Cashback Bonus This Period + 0.00
Cashbadc Bonus Balance $ 7.68
Cashback Bons Anniversary
Month: June
How Can We Help You?
P I Visit Di cover com to pay your bill for no c*a view your
kstest Account information, earn and redeem rewards and more
It's your choice - 3 ways to help 2. Cal 1-8004DISCOVER (347-2683) for fast
easy self-service
Please have your Discover Card available, ,
options or to speak with a Customer Service Account Manager
For TDD (assistance for heari"impaired) see reverse side
g 3. Write us at Discover Card, PO Box 30943,
Soh Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Date Date
01her/Miscellaneous Dec 8 Dec 8 LATE FEE $ 39.00
Dec 12 Dec 12 OVERUMIT FEE 39.00
Information For You
"' ATTENTION "' We previously requested the past due amount on your account. We have no record of receiving
payment. The amount due should be paid at once.
F69sm0arge Summary
Average Daily Nominal Transaction
ANNUAL ANNUAL Periodic Fee
Daily Periodic
Balances Rates PERCENTAGE PERCENTAGE FINANCE F1iANCE
RATES RATES CHARM C] ARLES
current billing period: 30 days
Purchases $7153.11 0.05477% 19.99% V 19.99% $117.53 $0
Cash Advances $0 0.06847% 24.99% F 24.99% $0 $0
Balance Transfers $5601.24 0.01616% 5.90% F 5.90% $2715 $D
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
Discover(R) gift cards make easy holiday gifts. Now save $2 on the purchase fee of each gift card - plus FREE shipping
Personalize gift cards with names and messages. Many have matching greeting cards! Save through 12 31 /09 - enter
GIFT4 at DiscoverGiftCard.com
Important Information. II there is more Chan one page to this billing statement. sae the back of each pegs for additional important information. p
Sao your Cardmember Agreement Your Cardrnember Agreement conai s all the terms of your Acmunt. Z
Lost or stolen cards. Report ffww atelyh Call 141WUY-2683. n
0
Rifting Rights Summary. In Case of Errors or OuhestionsAbout Yaw Bit: C you tintk your bill is wrong, or 9 you need more information about a transaction on yaw bill, write to us on a o
separate sheet of paper at Discover, PO Book 30421, .Salt Lake CCy. UT 84130-0421, as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on o
which Im am or problem appeared. You can Ideptione us, but doing so will rat preserve your righls. In your letter. give us the following information: N
Your name and Auxamt number.
The dollar anourt of the suspected error. kO
Describe the error and eMbin. I you can, why you (relieve there is an error. I you need more information, describe the Awn you are unsure about ?
You do not have to pay any a iourd in question while we are investigating. but you are still obligated to pay the parts of your bill that are not in question. While we investigate your
question. we cannot report you as delinquent or take any action to COIIEU the amount you question.
:,ia, u..re ter ";TM<< k -.•° r': ;t< ;was ri have m pmbbrn 1, Me_qual- r*r w t, , that yo ^wrha<r
u,e00u'dnwruhLwr.xruantyamaynotIayela pay .erecainnyanwnudueailJk:gu-o.sr e:.Ywta??uwf,?i c,ryv11erthepurer {,:,e:asmonofhw,SsI
and the pudhase was made it you lame state of wNnit 100 miles of your roofing address. (I we own or operate the merchant or I we mailed you the advertisement for the goods or
services. al purchases are covered regardless at the amount or location of purchase.)
Payments. Send orgy your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your check as described above, you arNarite us to
use information on you check to make an dectronc find transfer tram your account at he fnandal nstlutia indicated on you dhea or b process the payment as a de* bmactim.
I payment is processed as an eledronic fund transfer. Cie transfer will be for the amour of the check- When we use information from your check to make an elec l arc kind transfer,
lends may be w ith drawn from your account as soon as the same day we receive you payment and you will not receive yaw cheek back from you firhancial woblubon.
The processing of you payment may be delayed d you send cash, correspondence or other Items with your payment, I you send the paymhent to ary other address or if you use an
envelope other than the one provided. Payments received in proper tom at our processing (achy by 5PM local time on any day will be credited to your Account as of that day. Payments
received at err processig facility after 5PM local dime will be credited to yorrAcooued as of he next day. I you have misplaced yaw envelope, send your payment to Discover, PO Box
6103, Carol, Stream, IL 60197-6103. Pease allow 7-10 days for delivery, 9yar payment is returned unpaid, we reserve the right to resubmit it as an elecYarrcdebl.
You can pay your minimum payment or a greater smart over the telephone, and you an set up automatic payments. Cat us at 1-800347-2663. You will need On statement and your
bank account information. You most ensue that sufficient funds are available in your bank acwmt, and all transactions mat comply with U.S. law. You will be asked to provide the first
5 digits of your account stalernent LP code. By erhtering those nrmubers as your electronic signature. you will be agreeing to this a ri orization to allow us and your bank to deduct each
payment you aut om Iran you bank account, and to we & debit or credit eneias b your balk acco nL as appiiade, to correct an error in the pmcessig of such papient You must
tell us the amount of each paprhent or you can select an amount such as he Minimum Payment Due or the New Balance on each statement You can cancel a paproK however we
must receive notice at tens! tree business days in advance of the scheduled payment You may notify lea by phone at 1.80347.2603 or by mad at the address lid n the previous
paragraph- Iyar paymntts vary in amount. we will tell you on each mortify star alnent when your payment will be made and how much itwil be. Yw automatic payment amount may
be less than indicated on the man#* statement based on credits or payments applied dung the big cycle.
Credit RepoAlq. We may report information about your account to credit dreams. Late payments, missed payments, or Wier debuhs an your account may be reSecled in your credit
report. %* normally report the status and payment history of your Aanunt to credit reporting agencies each month. I you believe Mal our report is iaaurate or incomplete, please write
us at the following address: Discover, PO Bak 15316, Wil ington, DE 198505316. Please ihdude your name, address, lame telephone number and Account number.
Gran Period on Puchasu (at Nast 25 days). ft begin to impose Periodic Fro" Charges on all transactions; from the Transaction Date for the transacilim as dam on your
biting stabtnent, bless a karnadhm is posted b yorAccout after the dose of Ile big period in which it occurs. in which case we begin to impose Petodit Finance Charges on hat
transaction from the first day of the billing pe rod in Which it is posted to your Account We cornice to krpose Periodic Finance Gorges urd the dale you pay yaw entire New Balance,
by making payments or receiving aedds. However, I you paid the New Balance on your previous billing statement by the Payment Due Date shown on that trig statement and you pay
the New Balance by the Payment Due Dale on your current bang statemerlL we will not impose Periodic France Charges on new purchases, that is. purchases im appearing on the
current bang stafemient We tall the the'grace period-" There is no grace period on balance transfers or cash advances.
kidmkn Finance Charge. We will dwW you a minimum FINANCE CHARGE of S.50 for any big period in which Periodic Finance Charges of less than $.50 would otherwise
be imposed.
Annual Fee. I your Account has an amual be, it coil be toiled at Vie beginning d each anniversary year yourAcoount is open. The amount of the fee appeason the statement when the
fee is bled. The annual fee is not refundable unless you nobly to that you wish to dose yourkwunt within 30 days of the mailing or delivery date d the statement on which the lee is
filled You will receive tits round even I you use your Card doing that period.
Periodic Finance Charges. We set your transactions into groups of purdla;es, cash advances, and balance transfers and then further sat the transactions within each group by
Met Annual Percentage Rate. For example, purchases subject to a promotional rate and pwdhases subject to a standard rate would be separate groups. V* refer to these ghoups as
Iansaction alegodes. At the end of each billing period, we compute balances and Periodic Finance Charges for each day of Me fang period for each transaction allegory. We use the
following equation to compote Periodic Fiance Charges kx each transaction category:
(Average Daly Balance) nines (days in brig peecd) Imes (Daily Periodic Rate)
(You may refer to the finance charge summary on your blig statement for these amounts.) Then we add up the Periodic Finance Charges for each transaction allegory to get the total
P B Ganges for yaw Account The Average Daly Balance is shown as zero if because of the grace period, no Periodic Finance Charges apply to the balance in a
We use the Average Day Balance (ixk& g new transactions) method of calculating the balance upon which we impose P&b* Finance Charges. We corrpule he Average Daly
Balance for each transaction category by adding up el the daily balances in a blig period for a baraac6un category and dividing he !Mal by the number of days in the dig period.
We compute the daily balance for each transaction caleguy on each day by fist adding the following to the previous days daily balance: transactors with a Transaction Date of thou
day as shown an your biirg sent unless the halation is posted to your Amount after the dose of the billing period in which it occurs, in which case the transaction will be added
to the daily balance as of the W day of the big period in which it is posted to yourAuxarnt, tees charged that day and Periodic Fiance Charges accrued an he previous day's dray
balance; and by hen subbacling any credits and payments tat am applied against he balance of the transaction category on that day. In calculating he daily balance for the AM day of
he billing period, we consider the'previo s days daly balance" to have been yaw balance for each transaction category on the tact day of your previous Ciig Pend.
Ail fees charged to your Account are added to the standard purchase trarsactlm category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the
applicable ash advance bansacUm category ad Balance Transfer Transaction Fee Finance Charges which are added to the applicable balance transfer transaction category. Men
/a special rate expires, we move the unpaid balance of the balance transW and the Balance Transfer Transaction Fee Finance Charges to the standard pwdese trarsaditi n category
.
However. it he specil rate has been terminated under the Default Rate section. we leave he unpaid balance of the balance transfer and he Balance Transfer Transaction Fee Finance
Charges in the applicable balance twister transaction category will the special rate would have expired.
For TDO (Teieconmuniatbons Device for On Deaf) assistance, please all 1-800347.7449.
Discover may mandor andlor record telephone calls between you and Discover representatives for quality assurance purposes.
The Dscovee cad is issued by Discover Bank, Member FDIC. OITBK171
DISC VEIZ Now Balance
12 SDSWA01 0005240
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Minimum Payment Due Account Number ending in 1740
$741.00 Enter Amount Enclosed Below
Payment Due Date
February 7, 2010 Please make cheek payable to Discover Card.
Y
di
it
h
f
ou are ove
m
. Pay t
e sum o
the monthly
minimum payment plus the ovedimit amount of
$187.78.
Go paperless and make your account
information more secure with paswmxd-
protected only you can access.
Learn more at discover corNpaperless.
PO Box 71084 Ill roll 11111111181111111111
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in spxe I I llulnrlrllnrlulrlnrllllur)ulnlrrllnlnlulrlnll
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458146742081126877800260000074100
Discover More Card Account Summary
Closing Date: January 12, 2010 page 1 of 1
Account number ending in 1740 Previous Balance $12,907.28
Payment Due Date February7 2010 Payments And Credits 410.00
Minimum Payment Due $741.00 Purchases + 39.00
Credit Limit $12,500.00 Cash Advances + 0.00
Credit Available $0.00 Balance Transfers + 0.00
Cash Credit Limit $6,300.00 Finance Clserges + 151.50
Cash Credit Available $0.00 New Balance = $12,687.78
' -
- Yrw f%mt2y 66
ixlle 14.??':?. t-
,,.? ?turlGd?G :.. w:=rt CMaSrybi, xee:1.6
reverse side hx details.
Cash6ock Bonuse Opening Cashback Bonus Balance $ 7.68
New Cashbock Bonus This Period + 0.00
Redeemed This Period 7.68
Cashback Bonus® Anniversary Cashback Bonus Balance S 0.00
Month: June
How Can We Help You?
P I Visit Discover com to pay your brig for rue east, view your
latest Account information, earn and redeem rewards and more
It's your choice - 3 ways to help 2. Call 1-8004ASCOVER (3A7-2683) for Fast, easyselfservice
Please have your Discover Card available. options or to speak with a Customer Service Account Manager
For TM (assistance for hearing impaired) see reverse side 3. Write us of Discover Card, PO Box 30943,
Salt Lake City, UT 84130
Transactions $O Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Date Date
Payments and Credits Dec 31 Dec 31 PAYMENT THANK YOU $ _260.00
Jon 1 Jan 1 OVERLIMIT FEE REFUND _72.00
Jan 1 Jan 1 LATE CHARGE REFUND .78.00
other/Misceflarmwus Jon 8 Jan 8 LATE FEE 39.00
Information for You
* * * ATTENTION * * * We previously requested the past due amount on your account. We have no record of rece
Mng
payment. The amount due should be paid at once. _
_
-
&MM Charge Summary
Average Daily Nominal Transaction
ANNUAL ANNUAL Periodic Fee
Daily Periodic
Balances Rates PERCENTAGE PERCENTAGE FlNANCE FINANCE
RATES RATES CHARGES CHARGES
current billing period: 31 days
Purchases $7293.99 0.05477% 19.99% V 19.99% $123.85 $0
Cash Advances $O 0.06847% 24.99% F 24.99% $0 $0
Balance Transfers $5519.76 0.01616% 5.90% F 5.90% $27.65 SO
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above
important Morrrsion. If tare is more than one page to to billing statement, see the back of each page for additional important Information.
See year Car6rsmMrAgreemar t. Yaw Ca dmenberAgreement aiMans at the term of your Account.
Lost or stolen cards. Report am edalely! Call 1-00,3q-26/x.
Biting RWft Summary. in Case of Emirs or Ctreseors Abed Your Bell If you think your bill is wrong, or d you need more information about a transaction an your bik write b us sin a
separele sheet of paper at Discover. PO Box 30421. Sall Lake City UT 84130-0421. as soar as possible. We must hear from you no Inter Iran 60 days alter we set you the first bill on
which the error or problem appeared. You can telephone us, but doing so wily not preserve your rights. In your led" give us the fallowing irtorrtstion: a
Yaw rsme and Account number. sN
The dollar amount of to suspected am. °
Describe the ems and explain. I you can. wiry you believe tare is an em. If you need more ihfarmalon, describe the item you are unsure abort. X
You do not have b pay any amount in hfuelion vtie we are i vesligafig, but you are slid obligated to pay the pats of your bill that are not in Wesdm. While we invasigaw you
question. we canal report you as defrquent or two any adion b colect the amount you question.
E;?jeat Reot''cz ^ c i3 P=,tvisr x. B you haze a problem wt; t,: qt .1" ?! nods x ser^ceS t ?: iou purrh'se •R!t !tar , en y-j tame lrv Soh M -Arac
_.._.__._?.,... _ ...._?. _ ..__...-,v gr?tean wv# +" rqm r.8rr.. w%) my W, h?'- M P'7 the . .
'+?rrsim"Wor,^o"l`!'-f¢?tnrr!1>?rodstrr's,?r'r!vYrere-r+rslm7t t?+rr+r+.?; wMt Rr. pt?"?txa'??59-" ?. -.__..__, _.._ -__?_..._ _.__ _.
and to purchase was made in your home stale or wtHe 100 miss of your mailing address. (If we awn or operate the merchant, or if we mailed you the aduertisementior the goods or
services. all purchases are covered regal of to snout or location of purchase.)
Payments. Send only your payment and the lop patron of this statement in the envelope provided. Do no send cash. By sending your check as described above, you w horme us to
use information on you deck to make an decww kid basler from you awwrit at the financial nsttuion indicated on your check or te process the payment as a dock transaction.
I payment is processed as an electronic kind karskr, the transfer will be for tun amount of the check. When we use idamaton from your check to make an eleaaic kid wander,
lends may be w0drewn from yea' account as soon as the same day we receive your payment and you wits not receive your check bade hom your financial in5ftrtion
The fig of your PaYmer1 may be delayed Iyou send ash, cormspordence or other ikons wilt your payment I you send the parnan to any oMr address or it you use an
envelope other tart the one provided. Payments received in proper tern at our processing (aciity by 5PM local time on any day will be credited te your Account as of tat day- Payments
mmved alotw pmceswg boky aler 5PM Ioa1 Mme wi be ae6ted 1D your Ac=M as dthe next day. if you have eRSplaLed yaw envelope, send yourpeymentlD Discover, PO Box
6103, Cad, Stream, 0. 60197-6103. Please allow 7-10 days for delivery I you payment's ieWrned unpaid, we reserve the right in resubmit t as an elechork debt
You can pay you mniruan paywsra a a greater amount over the telephone, acl you an setup submalic payme ils. Cat in at 1-600347.2663. You will need lie staleman and your
bank account intormalion. You must ensure tat sufdenn kids are available in your bank accent and all kasadions must comply with U.S. law. You will be asked b provide the Met
5 dgNS of your aacou t statement ZIP code. By maiming Lase numbers as your electronic signature. you will be agreeing to this authorization to alas us and your bat to deduct each
payment you authorize nom your balk account. and b Mae debt or credit entries b your tack account. as applicable, to cared an eria in Ie processing of such payment You rust
tell us die amour death payment or you can select an anoknl such as the Wrianum Payment Due or the New Balance on each statement. You an canal a payment however we
must maize noloe at leag tree business days in advance of the scheduled payment You may notify us by phone at 14"7-2663 or by mad at the address fielad in the previous
paragraph. It your payments vary in amount. we will cal you an each montly statement when your payment will be made and how much t will be. Your automatic payment amount may
be teas Ihah indicated on the mor" sWwwd based an crafts or payments applied dung the billing cycle.
Credit Reporting. lye may report itamatah about your ac0aat to credit bureaus. Late payments, missed payments, or other defaults on you account may be rellected in yaw credit
report. We normally report to storks and payment heslary of your Account to credit reporting agencies each monk If you believe that our report is inacasale or ihoompleb, please write
ws at the fotowtrg address: Discover, PO flax 15316, Yrikrtnghrn, DE 19650-5316. Please include your name, address, horse Wephax number and Account rserber.
Goa Period on Purdu ors (at least 25 days). We begin m impose periodic Finance Changes on all karsactas from the Tiarsallon Date for the kw*111011iorh as shown an you
b "eta mnent, w*u a lrasaMm o posted b yarAccout alter tre dosed the biting pewd n which t onus, it which case we begin to kgwe P&nk Frame Chagas ontat
bansacton from the first day d to big period in which to posted b your Accou t. We ooninue b impose Periodic Finance Charges until the date you pay yo rehlre New Batahce,
by making payments or rem" aed1 . However, I you paid the New Balance on your previous biting statement by the Payment Due Date shown on tat big stelemard end your pay
Ile New Balance by tla Payment Due Dale: on your anent biting sWznelt we vAl not impose Periodic Finance Charges on new pusehesees, to is, purchases host appealing on to
current bit ng statement We ale ties te'grace period.' There is no grata period on balance transfers or cash advances.
Minimum Finance Charge. We will charger you a maiimlm FINANCE CHARGE of 5.50 for any biting period in which Periodic Finance Charges of less than 5.50 would dhenwise
be imposed.
Annual Fee. t you A(xad has an anal fee, it will be billed at the beginning of each anniversary year your Account Is open. The amount of the ke appears an 1M SWAMtWtM Ile
fee is billed. The annual fee is not rekrhdable unless you nodly us Mat you wish to dose yourAteard when 30 days of the marling or delivery date of the statement an which In fee is
tiled. You will naoeive this relied even t you use your Card Bring that period.
Periodic Finance Charges. We sod your 6asactons into grails of purchases, ash advances, and balance transfers and then knher sod the transactions wtlin each group by
Chew Annual Percentage Rale. For example, purchases wb)acl to a promotional rate ana purchases subtrx:tlu a standard ruse woukrW separate groups. We refer inihese groups as
transaction alegones. At the and death brag period. we Corpde balances and Periodic Finance Charges for each day of the billing period for each trahseebon cagey. ttk use die
blowing equation to compute Peno6c Finance Chages for each transaction category:
(Average Dak Balance) ernes (days in bo7ahg period) Mrhes (Daily Periodic Rate).
(You may iekrn to to finaaa charge summery on yourbig Statement for these amounts.) Then we add up the Periodic Finance Charges for each tansactim algory loget the loW
Periodic Finance Charges for yourAwount. The Average Dally Balance is shown as zero if, because of the grace period, no Periodic Fnahce Charges apply lo the balance are
We isedtu Average ? Bda ce fssihdng new hansactans) rneMod of alanakng to balance upon which we impose Periodic Finance Charges. We carpkne to Average Dally
Balance for each k'alaaoion 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 dig period.
We Compute Ibe dally balance fir each transaction calegory on each day by feat adding the fo" to the previous day's daily balance: traseckris with a Transaction Date of that
day as storin on your big stalersrk unless the eansacton is posted to your Amduht after the dose of ft billing period in 4" it occurs, in which case the traEatI will be added
to to daily balance as of the fist day tithe big period in which t is posted b yourAccoud, lees charged that day and Periods Finance Charges accrued on to previous dolts dairy
balance, ad by than atbbecMg any ore ' and payments tut ore applied against the balance of the transaction category on het day. in calcria ing the daily betake for the lest day of
the, big period, we consider the'pinv us day's daily balance to have been your balance for each bensa non category on the last day of your Prewar billing period
All fees charged b your AcrxuN are added No to sta dad purchase transaction category with the exception of Cash Advance Transaction Fee Finance Chargesattdh ore added In the
applicable cash advance basaction allegory and Balance Tratsher Trarsaction Fee France Charges which are added to the applicable balance baskrvasac0on category. When
the special rate expres, we move the unpaid balance of the balance saskr and the Balance Transfer Transaction Fee Finance Charges to the standard purdoase trarKaLl, category.
However, I the special rate has been lermiated under the De" Rate section, we leave the unpaid balance of the balance transfer and the Balance Trasfer Transaction Fee Finance
Charges in the applicable balance transfer transec idn rategDry until the special rate would have expired.
For T00 (Tedecommnieators Device ter On Deaq assisllance, plane call 14MW347.7449-
Discover may manta anddorrecord telepho a rals belwew you and Discover representatives for quaity assurance purposes.
The Oiscovef' card is issued by Discover Bank, Member FDIC. OITBK171
New Balance
DISCO AVER $12,531,14
12 SDSN6A01 0005241
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Minimum Payment Due Account Number ending in 1740
$727.00 Enter Amount Enclosed Below
Payment Due Date $ 1-
March 7, 2010 Please make check payable to Discover Card.
You are overlimit. Pay Ifns sum of the monthly
minimum payment plus the ovedim8 amount of
$31 1IA-
Go paperiess and make accouint
your
information more secure w
with password-
proteeted statements only you can access.
Leam more at discover corNpapedess.
utllur...llrslrllusll
PO BOX 71084 111
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Ilnlnn?nl?nnl I Innllllrulnlulnllulnlr,lrlnll
Go to www.Discover cam or print change in space above.
000001986458146742081125311400260000072700
upening uare:.lanuary 13, zu lu - Closing Uate: Feb
Discover More Card Account Summary
Account number ending in 1740
Previous Balance $12,687.78
Payments And Credits 410.00
Purchases + 0.00
Balance Transfers + 0.00
1•nance Charges + 214.36
Other Fees t + 39.00
New Balance X2,531 14
See Finance Charge Summary section following transactions
For detailed APR information
Credit Line $12,500.00
Credit Line Available $0.00
Cash Advance Credit Line $6,300.00
Cash Advance Credit Line Available $0.00
You may be able to avoid Periodic Finance Charges, see the
reverse side for details,
tSee transaction detail for a description of any fees charged.
Cashbock BonuSe Anniversary Month
June
Opening Cashback Bonus Balance $ 0.00
New Cashback Bonus This Period + 0.00
Cashback Bonus Balance $ 0.00
To loam more, log in at www.Disosver.com and select Rewards
1 . - t...yQ . yr
Payment Information
New Balance $12,531 14
Minimum Payment Due` $727.00
Payment Due Date Mach 7, 2010
'Includes past due amount of 5481.00
Late Payment Worming: If we do not receive your minimum
payment by the date listed above, you may, have to pay a late
f r-- ; -, :Aaf- - •:r rr- . ^?'wtrf?Si'itL-s'R:,'?'2: - ---
trunsactiom may be increased up to the'UefauU AeX of
24.99% variable.
Minimum Payment WarnitV 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 baksnce. For w omple:
Only the minimum ' 23 years $27,006
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 Paydown Planw to create a plan
2. Call 1-800-DISCOVER (1-800-347-2683 to down your balance, securely access dtoternents, pay
Please have your Discovers card available. biAs online and easily track all Iransoctions
3. Write to us at Discover, PO Box 30943, Make your money worth moresm-find easy ways to earn
Salt Lake City, UT 84130 and redeem cash rewards
For TDD (Telecommunications Device for the Deaf) NEWI Access your account securely through your
assistance, please call 1-800.347.7449 mobile phone
Transactions
Trans. Post
Date Data
Payments and Credits Jan 31 Jan 31 PAYMENT THANK YOU $ -260.00
Feb 1 Feb 1 OVERUMIT FEE REFUND -6.00
Feb 1 Feb 1 FINANCE CHARGE REFUND 144,00
Other/Miscellaneous Feb 7 Feb 7 LATE FEE 39.00
See reverse side. DISC*VEIZ
Important Information. It there is more than one page to this biking statement, see the back of each page for additional imponard ntdlnabrt. W
See your Cardrnember Agreement. Your Cadmernber Agreement contains all the terms of your Account
z
Lost or stolen cards. Repot immediately! Call 1.000.317-2603. n
0
Beftng Rights Summary. In Case of Enc rs or Questions About Your Bill: If you think your bill is wrong, or if you need mire inhimabon about a transaction an your bill, write to us on a
0
separate street of paper at Discover, PO Box 30421, Sat Lake City , UT 841304)021, as soon as possible. We must hear from you no later than 60 days alter we send you the W Eft on 00
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 ink muAkin: 0
Your name and Account number. A
The doter amount of the suspmled error. '
Describe the error and explain, if you can. why you believe there is an error. If you need more information, describe the item you are unsure about. X
You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the pads of your bill that are not in question. Mae we nwesligate your
question. we cannot report you as delinquent or fake any action to collect the amount you question.
.? _ ,?? __ ..?..---?.;.y??i3<.?.fa.^..r?;i?,?3.'?uaJttw2s its;ak4Fw?ti::?hlw?v?.?.ltk.?."vi:;,.tuyy:,L;LS?,.r?cl? ?_?•Xou, .ea.+s'dw.u:?.?u.?t air' ...a' ,..uu..r_,: e.: , nc?;3:?,i. __..?_-- ._ _
",^ywudhkzmv.Ntfine:ir,,.,, dt^lna-ncrtia?zpayOLrrnrTr,,,•?cy)rr'
and the purchase was made in your home stale or wittn 100 miles of your matting address. (If we own or operate the merchant, or t we mated you ere advertisement for the goals or
services, all purchases are covered regardless of the amount or location of purchase.)
Payments. Send only, your payment and the top portion of this staement in the envelope provided. Do not send cash. By sending your check as described above you authorize us to
use nlamailon on your check to make an eleckoric kind karsl r Iran your account at the financial institution indicated on your check or to process One paymerd as a dad kahsacben.
P payment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use inkxmatian tram your deck to make an eiecYCrbc land transfer,
leads may be withdrawn from your account as soon as the same day we receive yew payment, and you will rid receive your check back trom your wmal nskltton.
The processing of you payment may be delayed 0 you send cash, cortespondence or other items with your payment, t you send the payment to any other address or if you use an
envelope other Pratt the one provided. Payments received in proper form at au processng Way by 5PM beat fifteen any day pit be credited b yourAcoowd as of tat day Payments
received at our pracessig facility after 5PM beat We will be meliled to your Account as of the next day. If you have misplaced yew envelope, send your paytnert b Discover, PO Box
6103, Carol Skean. IL 601974103. Please allow 7-10 days for delivery P you payment is returned unpaid. we reserve the right to resubmit it as an electronic debit
You can fay your m n mum payment or a greater amount ever the telephone, and you can set up automatic payments. Cal us at 1-006347.2683. You will need On staennnt and your
bank account information. You must ensue that sufficient funds are available in your hank account, and at transactions must oonpty with U.S. law. You wd be asked to provide the first
5 digits of yon account statement ZIP code. By entering these northers as your electronic signature, you will be agreeing to this authorization to allow hs and you be* to dedutl each
payment you auOka¢e from you bank amount, and to inina,e debit or credit entries to your barns account. as apple", to carted an error in the processing of such payment. You must
net us I he amount of each payment or you can select an amount such as he Wirnum Payment Due or the New Balance on each sktemamt. You can cancel a paymat; however we
mss receive notice at taast twee busimess days in advance of the scheduled payment You may notify us by phone at 1-800-347-2683 or byroad at the address isled in the previous
paragraph. O you payments vary in amount, we will tell you on each monthly statement when your payment will be made and how much t will be. Yew autama6c payment arhoum may
be less Man indicated on the monthly statement based on credits or payments applied dmq the biting cycle.
Credit Reporting. We may repot information, abort WAecount to credit bureaus. Late paymehg, mssed payments, or other defaults on your Account may be reflected in you credit
report. We normally raped the statua and payment history of yeurAccount to credit reporting agencies each mater. it you believe that our raped is inaccurate or incomplete. plea vote
us at the following address: Discover. PO Box 15316, 4lkimington. DE 19850.5316. Please include your name, address, home telephone number and Account number.
Grace Period on Purchases (a least 25 days. yte begin to impose Periodic Finance Charges on all transactions from the Transaction Date for the transaction shown on your burg
statement unless a transaction is posted to yauAccount after the dose of the, billing period in which t aces. in which case we bags to impose Periodic, Finance Charges on that
Vivisection from the 6s1 day of the trifling period in which t is posted to yew Account We continue to knpose Periodic Finance Charges until the date you pay you entire New Balance
sown on your billing statement by making payments or receiving credits. However, P you paid the New Balance on your previots biting statement by the Payment Due Date shown
on that biting staemert we will not initim Periodic Finance Charges all new purchases, that is. purchases fns appearing on the curterht biting statement, or any potion of a new
purchase. paid by the Payment Due Date on your aurernf bitting statement We call this the -grace period. There is no grace period on balance transfers or cash advances. As more
fully deed in the section of your CardmenrW Agreemient titled liow WeApply Payments,' we generally apply payments to your Account based on the Annual Percentage Rae
applicable to the balance of each transaction category . This mean that P you do rot pay the New Balance on the curent biting stalememl by the Payment Die Data shown on that billing
statement. Man, depending on the amount of your payment and the Annual Pecentage Rates on other balances. you may not gel a grace period on new purchases.
Mnimun Finance Charge. We will large you a minimum F04/WCE CHARGE of 5.50 for any billing period in which Periodic Fiancee Charges of less than $.50 wakAd otherwise be
imposed
Annual fee. If yourAccocint has an annual fee, t will be billed at the beginning of each anniversary year your Account is open. The amount of die tee appears on Me statement when the
fee is billed. The annual fee is not refundable urdess you nobly us that you wish b close yauAUrxint within 30 Flays of the nailing or delivery date of the statement on which the fee is
billed. You will receive this refund even of you use your Card durng that period.
Pedo6e Finance Charges. We sat your transactions ito groups Of purchases, cash advances, and balance translem and then kx0ar sort the transactions target each grail by
It*Annual Percentage Bata. For example, purchases subject to a pmnotonal rate and purchases subject to a standard rata would be separate groups. We refer b these groups as
transaction rategodes. At the end of each billing period, we compute balances and Perick Finance Charges for each day of the billing period for each f ansactim category. We use the
totovigq equation to co rpute Periodic Finance Charges for each transaction category:
(Amer; Balance Ornes (days in billing period) times (Daly Periodic Rate).
You Charge Summary on your bitiing statement for these amounts. Then we, add up the Pedodc Fro" Charges for each transaction category to get the
idol Periodic Fnaue Charges for your Account. The Average Daly Salience is shown as zero if, because of the grace period, no Periodic Finance Charges appy to the balance in a
kasacl on category. The Daily Periodic Rate is IM5M of the conespaxiig Annual Percentage Rate.
We use the Average Daily Balance (ioluding new trasact om) me" of calculating the balance upon which we impose Pe odic Finance Charges. Vile compute the Average Daly
Balance for each trarsaction category by adding up all the daily balances in a billing period for a transaction category and dividing the toil by Ore number of days in he bitig period.
We caemmde the daily balance for each tratsackon caegoy on each day by first adding he following to the previous days daily balance: transactions with a Transaction Date of that
day as shown on your biting statement, unless the transaction is posted to your Account after he close of the billing period in which it occurs, in which case he transaction will be added
to the day balance as of he lest day of the Wing period in which R is posted to you Account, leas charged that day and Periodic Finance Charges accrued on the previous days dally
balance, and by Mtn subtracting any credits and Payments that are applied against the balance of the transaction category on that day. in ralcu ahng the natty balance for he first day of
the bKM period, we consider he .previous days dairy balane to have been your balance for each transaction category on the last day of your previous bnlig period.
Ali lees 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 mansfer transaction category.
For TOD (Tekco m is nicatiors Device for the Dent) assistance, please call 1.800.347-7449.
Discover may monitor andfor record telephone calls betvx:,n you and Discover representatives for quality assurance purposes.
02010 The Dswvee card is issued by Discover Bank, ktember FDIC PA0210
DISC VER t'pto DOUGLAS ROSS
DISCOVER Account number ending in 1740
page 2 of 2
Finance Charge Summary
Nominal Other
Average Doily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FOIANCE fNANCE
current billing period: 31 days Balances Rates RATES RATES CHARGES CHARGES
Purchases S 12,624.94 0.05477% 19.99% V 19.99% $214.36 $0
Cash Advances $0 0.06847% 24.99% 24.99% $0 $0
V = Variable Rate
Information For You
Notwithstanding the payment due date on this statement, if you paid the New Balance on your previous billing statement by
the Payment Due Date shown on that billing statement, we will not impose Periodic Finance Charges on new purchases first
appearing on this billing statement, or any portion of a new purchase, paid within 25 days of the Closing Date on this billing
statement.
* * * ATTENTION * * * 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.
.- __ - ._ _ _ _. . .
8966465
Questions? Visit www.Diswver.com or
call 1.800-DISCOVER (1-800-347-2683). DMOVERr
DISCOVER New Balance Minimum Payment Due
DISCOVER $710.00
Payment Due Date
April 7, 2010
12 SDSN6A010005242
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Account Number ending in 1740
Enter Amount Enclosed Below
$ 1 :77:1
Please make check payable to Discover Card.
Minimum payment due includes a past due
amount of $467.00.
Go paperless and make your accourd
information more secure with password-
protected statements only you can access.
Leam more at discover AxWpaperhess.
PO BOX 71084 Illnrsllrrrsrsllrslsllrrrll
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change?
Go to www.Disc~cwn or print change in space above lhhlhllhhlnrrlhllnnlalhI hhhllllnrlnlnlnllnlnnlnlhlnll
.
000001986458146742081123509000260000071000
Opening Date: February 13, 2010 - Closing Dale: March 12, 2010
Discover More Card Account Summary
Account number ending in 17,40
Previous Balance $12,531 14
Payments And Credits 410.00
Purchases + 0.00
Bolonce Transfers + 0.00
Finance Charges + 190.76
Other Fees t + 39.00
New Balance 12,350.90
See Finance Charge Summary section following fronwctions
for detailed APR information
Credit Line $12,500.00
Credit Line Available $149.00
Cash Advance Credit Line $6,300.00
Cash Advance Credit Line Available $149.00
page 1 of 2
Payment Information
New Balance $12,350.90
Minimum Payment Due* $710.00
Payment Due Date April 7, 2010
*Includes past due amount of $467.00
Late Payment Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay a late
C3 and !?UI )Uh'CIIGSYf ???., kM.--ew - ...
transactions may be increased up to lire Default A R of
24.99% variable.
Mihihwnm 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:
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.
a.aaarrsnnn nvrru' Anniversary Month
June
Opening Cashback Bonus Balance $ 0.00
New Cashback Bonus This Period + 0.00
Cashback Bonhus Balance - -- $ 0.00
To born more, log in of www.Discover.com and select Rewards
in
Only the minimum I 53 years I $62,512 I
Payment
If you would like information about credit counseling services,
call 1-800.3471121
3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com
1 Access your account securely at www.Diseover.com Access free online tools like Paydown Planner to create a plan
2. Call 1-800-DISCOVER (1-800347-2 68 3) to pay down your balance, securely access statements, pay
Please have your DiscoverO card available. bills online and easily track alf transactions
3. Write to us at Discover, PO Box 30943, Make your money worth moresm -find easy ways to eam
Sale Lake City, UT 8,4130 and redeem cash rewards
For TDD (Telecommunications Device for the Deaf) NEWT Access your account securely through your
gsXijWc4e please call 1-800-347-7449. mobile phone
Transactions
Trans. P
te l?
Payments and Credits Feb 28 Feb 28 PAYMENT THANK YOU $ -260.00
Mar 1 Mar 1 FINANCE CHARGE REFUND 150.00
Other/wscelaneous Mar 12 Mar 12 LATE FEE 39.00
See reverse side. DISCOVER
Important Information. If there is more than one page to this biting statement, see the bad of each page for additional important information. cn
See your Cardmamtxr AgreemervIYour Cardmember Agreement contains all the terms of your Account. Z
Lost or stolen cards. Report immediately! Cap 1-11 'Ir-2683. D
Billing Rights Summary. In Case of Emirs or Questions About Your Bp: If you think your bit is wrap, or it you need more informaborn about a transaction on your bill, write to us on a 0
o
separate sheet of paper at Discover, PO Box 30421, Sat Lake City, UT 841304)421, as soon as possible. We must hear korn you no later than 60 days alter we sees you the first big on
°o
which the error or problem appeared. You can lepton us, but doing so will not preserve your rights. In your leter. give us the fogov ing nkmnation: N
Your name and Account number. a
The dollar amount of the suspected error.
Describe the error and explain, i you can. why you believe there is an error. t you need more information, describe the hem you are unsure about.
You do not have to pay arty amount in question while: we are nvesligaling but you are still obligated to pay the parts of your big that are not in question. While we investigate your
question, we cannot report you as delinquent or take any action to collect the an ounl you question,
... ?..:__ Vs Intl !r r°-...,:,zitiiaseis:VYu Wail!o4?`:-'. the aMyo_tcxci_:xserlyi lh?gywp.:rhas,.. 0ja".ra,..
`
.. re FYG"?ieu; WWi E'w "Vauharti, yr,V aw'y awl have 10 pay tle rennd,ning amuui i, Otte ail tit VWG5 U S& V,US. YW have iiti? PKAL,4-,. U- j M11Ei i'i' W kIML. d;e rrr[:kr hill ?lnwr J w. .
and the prfrctase was made in your home We or within 100 miles of your mailing address. (if we own or operate the merchant or of we mailed you the adver9semad for the goods or
services, all purchases are covered regardless of fee amount or location of purchase.}
Paynmds. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sawing your check as desc bed above. you authorize us to
use information on your check to make an electronic fund transfer from your account at the financial ishli" indicated on yaw check or to process the payment as a cheick transadton.
t payment is processed as an electronic fund transfer. the transfer will be for the amount of the check. When we use nornalon from your check to make an etetlatic fund transter,
finds may be withdrawn from your account as spot as the same day we receive your payment. and you will not receive your check back from you financial nsfi4Am.
The process tg of you payment may be delayed d you send cash, corresporder ice or Weer items vita you payment, t you send the payment to any other address or it you use an
envelope otter than the one provided. Payments received in proper form at our processing facility try 5PM local die on any day wit be credited to your Account as of that day. Paynats
received at our processing family after SPM local lime will be credited to your Account as of the next hay. If you have misplaced your envelope, send your payment to Dscover. PO Book
8103; Carol Stream, IL 6019MOS. Please allow 7-f 0 days for delivery. If your payment is retiuned unpaid, we reserve the right to resubnul it as an eledionic debil.
You can pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments. Cal us at 1-80x347-2683. You wig need this statement and your
bank account information. You retort ensure that sufficient kinds are available in your bank acmmt and all transactions must comply with U.S. law. You will be asked to provide the first
5 digits of you account statement ZIP code. By entering prose nuMers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to dedixt each
payment you authorize born you bank account, and to innate debt or tmdt entries to yaw bank account as applicable. to owed an error in the processing at such payment. You must
tell us the amount of each payment or you an select an amount such as the Minimum Payment Due or the New Balance on each statement. You can camel a payment; however we
must receive notice at least tree business days in advance of the scheduled payment. You may ratty us by phare at 1-800347-2683 or by mail at the address listed it the previous
paragraph. If your payments vary in arrant, we will het you on each monthly statement when your payment will be made and haw wrench t wit be. Your automatic payment amount may
be less than indicated on the monthly statement based on credits or payments applied during the billing cy ie.
Credit Reporting. We may report nformafion about yourAccoutt to credit bureaus. Late payments, missed payments. or other defauts at your Account may be reflected in your credit
report We nomally report the status and payment history of your Account to credit reporting agencies each monfi. It you believe that our report's inaccurate or incanpteW, please write
us at the following address: Discover, PO Box 15316, Wiirdngon, DE 19850-5316. Please include your name, address, hone telephone number and Account amber.
Grace Period on Purchases (at Wag 25 daysj. We begin to impose Periodic Finance Charges on all harsactors from the Transaction Date fa the transaction shown on you b&M
shdterrtatl, unless a transaction is pasted to your Account afar the case of she biting period in which t occurs. in which case we bet0 to impose Periodic Fnaxe Charges on that
transaction from the fast day of the MM period in which t is posted to your Account. ft continue to repose Periodic Finance Charges until the date you pay your entire New Balance
shown an your biting statement by making payments or receiving credits. However, t you paid the New Balance on your previous ding statement by the Payment Due Date gem
on that billing statement. we will not irpase Periodic Fiance Changes on new purchases, that is, purchases first appearing on the current biting slaemeM, or any portion of a new
purchase, pad by the Payment Due Date on your current billing statement ft call On [he "grace period.' There is no grace period on balance transfers or cash advances. As move
fully described in the section of yaw Cardnhenber Agreement tilled 11ow We Apply Payments; we generally apply payments to your Account based on the Annual Percentage Rao
applicable to the balance of each transaction category. This meal that If you do not pay the New Balance an the current billing statement by Ire Payment Due Date shown on that blip
statement. then, depending on the amount at your payment and the Annual Percentage Rates on other balances. you may not get a grace period on new purcjkdes.
Minimum Finance Charge. We will charge you a minimum FINANCE CHARGE W S.50 for any biting period in wtuth Periodic Finance Charges of less than S.50 wadd oewwise be
imposed.
Annual Fee. If your Account has an annual fee, it will be billed at this beginning of each anniversary year your Account is open. The amount of the fee appears on the statement Wien the
fee is billed. The annual lee is not refundable unless you notify us tea you vdsh to close your Accrnmt within 30 days of the maiinj or delivery dale of the statement on which the tee is
baled. You wilt receive this refund even if you use you Cad during that period.
Periodic Finance Charges. Wye sat your transactors no grolis of purchases. cash advances, and balance transfers and there further sort the transact ohs within each grail by
UwAnnual 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 or each day of the bung period for each transaction category. We use the
following equation to compute Periodic Finance Charges for each transaction category:
(Ave-IMtipiatre lies (days in biting pecidrd) terries (Daily Periodic Rate).
You may to the manse Charge Summary an you Mtfirg statement for these, amounts. Then we add up the Periodic France Charges or each transadien category logo the
taal Perak Finance Changes for your Account. TheAverage Daily Balance is &)am as zero t, because of the grace period, no Periodic Finance Charges transaction category The Daly Periodic Rate is 11365th of the corresponding Annual Percentage Rate. apply to to balance in a
We use the Average Daly Balance (inducing new transaction) method of calculating the balance upon which we impose Periodic Finance Changes. We compute Ow Average Daily
Balance fa each transaction category by adding up al the daily balances in a biding period or a transaction category and dividing the told by the nurru of days in the I>drg period.
We compile the daily balance for each transaction cateM on each day by fast adding tre fallowing to the prey ous day's daily balance: basactans vath a Tiarsaction Date of that
day as sham on you billing statement, unless the transaction is posted to your Account after the dose of the biting pedal in which it occurs, 0 which case the transaction will be added
to the daily balance as of the fast day of t* biting period in which it is posted b your Account Hares charged that day and Periodic Finance Changes accrued on the previous days daily
bblarroe; and by then subtracting any credits and payments mat are applied against the balance of the transaction category on that dap. In calculating be
daily the baling period, we consider the 'previous days daily balance' to have been your baanr2 for each transaction balance to the test day of
category on the last relay of you previous bilkg period.
All fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Changes which are added to the
applicable cash advance transaction category and Balance Transfer Transaction Fee Finance Charges wrench are added to the applicable balance transfer transaction category
For TOO (telecommunications Device for the Deaf) assistance, please call 14.347.7449.
Discover may monitor and/or record telephone tats between you and Discover representatives or quality assurance purposes.
02010 The Discover" card is issued by Discover Bank, Member FDIC PA0210
DISC VER
It pot's to DOUGLAS ROSS
DISCOVER Account number ending in 17,40
page 2 of 2
Finance Charge Summary
Nominal Other
Average Daily ANNUAL ANNUAL Periodic Fee
current billing period: 28 Daily
9 Pe days 1543 Periodic
Rates PERCENTAGE PERCENTAGE f?lIANCE FMIANCE
RATES RATES CHARGES CHARGES
Purchases $12,438.64 0.05477% 19.99% V 19.99% $190.76 $0
Cash Advances $0 0.06847% 24.99% 24.99% so $0
V = Variable Rate
I nformation For You
* * * ATTENTION * * * We previously requested the past due amount on your account. We have no record of receiving
payment. The amount due should be paid at once.
Go paperless and make your account information more secure with posswordIxotected statements only you can access.
Learn more at discover.com/poperless.
8966465
Questions? Visit www.Discover.com or
call 1-800-DISCOVER (1-800-347-2683) DISC*VER
DISCS e" Now Bal
"VEI $12, 98.49e
12 SDSN6A01 0005243
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
': Minimum Payment Due Account Number ending in 1740
$689.00 Enter Amount Enclosed Below
Poymed Due Date
May 7, 2010 Please make check payable to Discover Cad.
Minimum yment due inckxJss a pad due
f $
amount o
450.00. Phone and intemet
payments must be made by 51OOpm ET for some
da sti
Goperles and make your account
information more secure with password
protected statements only you can access.
Learn more at discovercoWpaperless.
PO BOX 71084
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change!! ?rt?n??tt?tn?t??nr?n?r?ut????ut?tr?u?n??ulnluln?ull
Go to www.Discavor.com or print change in space above.
000001986458146742081121884900260000068900
Opening Date: March 13, 2010 - Closing Dde: April 12, 2010
Discover More Card Account Summary
i Account number ending in 1740
Previous Balance $12,350.90
Payments And Credits 410.00
Purchases + 0.00
Balance Transfers + 0.00
(_vi h Adav.:as Y
Finance Charges + 208.59
Other Fees t + 39.00
New Balance 12,188.49
See Finance Charge Summary section following transactions
For detailed APR information
Credit Line $12,500.00
Credit Line Available $311.00
Cash Advance Credit Line $6,300.00
Cash Advance Credit Line Available $311.00
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
tSee transaction detail for a description of any fees
Cashback Bonuse Anniversary Month
June
Opening Cashbock Bonus Balance $ 0.00
New Coshback Bonus This Period + 0,00
Cashback Bonus Balance $ 0.00
To learn more, log in at www.Discover.com and select Rewards
I N L
Payment Information
New Balance $12,188.49
Minimum Payment Due' $689,00
Payment Due Date May 7, 2010
'Includes past due amount of $450.00
Late Payment Warning: IF we do not receive your minimum
payment by the date listed above, you may have to pay a late
-t"') a ." t T,1Y I'd Y'N.q OkIrc!'n7se Ai-v : for n.•w--.
transactions may be inweused up to the Default APR of
2499% variable.
Mirimrm 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:
E nor: Yo,t. 'q- 40-k. -
ctwrges aJr as '
biz. card and s sfdMtnd: m `
?. of
h i t faiitlt you pay gbgyF
Only the minimum 53 years $61,566
payment
If you would like information about credit counseling services,
call 1-800-347-1121
3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com
1 Access your account securely at www.Disco~.com Access free online tools like Paydown Planner to create a plan
2. Call 1-800-DISCOVER (1-800-347.2683) to down your balance, securely access statements, pay
Please have your Discoverm card available. bills online and easily track al transactions
3. Write to us at Discover, PO Box 30943,
Salt Lake Cit
UT 84130 Make your money worth moresm-find easy ways to earn
y, and redeem cash rewards
For TDD (Telecommunications Device for the Deaf) NEWI Access your account securely through your
as896?please call 1-800-347-7449. mobile phone
Transactions
Trans. Post
Date Date
Pads and Credits Mar 31 Mar 31 PAYMENT THANK YOU $ -260.00
Apr 1 Apr 1 FINANCE CHARGE REFUND 150.00
Other/Miscellaneous Apr 7 Apr 7 LATE FEE
39.00
See reverse side.
DISCOVER
ImportarK trUonnatorh t there s more Man one page to this biting statement, see The hack of each page (or addilwal important nfomhatim. o
See your CardmatreerAgremrpd. YourCardiac ber Agreement contains all the terms; of your Account z
Last or stolen cards. Report ftnedal ! Call 1.800347.2683, D
0
Billing RVU Summary. In Case of Errors or Questions About Your Big: If you think your bill is wrag, or if you need an information about a transaction on you bit, writ to us on a
separate sheet of paper at Discover. PO Box 30421, Sat Lake City, UT 84130-0421. as soon as possih6e. We mat hear from you no later tan 60 days after we sent you the first bill on o
which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. in your letter, give us the following information: rn
Your name and Account number. A
The dollar amount of the suspected error.
Describe the error and explain, t you can, why you believe there is an era 9you need more information. describe the ilem you are unsure about, 0o
You do not have to pay any amount in question while we are nvestigaling, but you are still obigated to pay the parts of your bit that are not in cituslion. gwstion, we cannot report you as delinquent or take any action to collect the amount you question. 1Nlrie nvestig yaw
^r1 v1A^t /? ,rquat?.4f±tk'r good _ _ _
Specir,epl 1Rb ::ai iwa+ u;e a^ r=; .et e'- nt. ast+s t . r.?•:? ; . rCblgm a rs . M,.•`•,^ "a•-*.f ryn'• ?1 : ` cadb' tcm,..Y..
px. y.wnrap not love ra pay .i a renaini g amount due on k4e goexk, w :- .w.. uu i..,
and the purchase was made in you home state or within 100 miles of you mailing address. (If we own or operate the merdhahL o( if we mailed you the advertisement for the goods or
services. all purchases are covered regardless of the amount or location of purchase.)
Paprhents. Send eny you parent and the top portion of this statement in the envelope provided. Do not send rash. By sending your check as described above, you autoorae us to
use inks nation an your check to make an electronic fund transom from your account at the financial nslihAion indicated on yaw check or b process the pepnent as a check transaction.
It payment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information from your check to make an electronic hid transfer,
furls may be withdrawn from your account as soon as the same day we receive you payment. and you will not receive your check beck Aran you fiankial astiluburt.
The ping of your payrnent may be delayed if you send cash, cmpperdence or other Items with your payment, if you send the payment to any other address or if you use an
envelope other than the one provided. Payments received in proper bnm at our processing facility by 5PM bad We, at any day will be credited to your Account as of that day L
received at our processing facility after 5PM local lute wit be credited b yaw Account as of the next day. It you have misplaced you envelope, send your payment b Discover, PO BBooxvi
6103, Card Stream. IL 60197.6103. Please allow 7-10 days for delivery. it your payment is returned unpaid, wit reserve the right to resubmit it as an electronic debit
Yeu can pay your minnhum payrrhent or a greater amount over Me telephone, and you can set up automatic payments, Cat us at 1-800-347-2683. You will need mfrs statement and your
bank account information. You must eirswe tat sufficient kids are available in your bank amount, and all transactions mat comply with U.S. law. You wit be asked to provide the fast
5 dgits of your account statement ZIP code. By en" Mass numbers as your electronic signature, you wit be agreeing to this authorization to allow us and your batik to deduct each
payment you a t horn ham your bank account and to kitale debit or credit entries to your bank account, as applicable, to orred an error in the processing of such payment You must
tell ours the anouht of each payment or you can select an amount such as the Minimum Payment Due or the New Balance on each stazemakt. You can cancel a payrtenk however we
must moems notice at least tree brskhess days in advance of the scheduled payment. You may nobly us by phone at 14W347-2683 or by mail at the address listed in Rile previous
paragraph, If you payments vary in amount we will tell you on each monthly statement when your payment will be made and how much it will be. Yew ahrakxnatic payment amount may
be leas tan indicated on Me morhtiy statement based on credits or payments applied during the bl'ng cycle.
Credit Reporting. We may report atforrnatien abed yo rAomM to credit bureaus. Late payments, missed payments. or other defaults on your Account may be reflected in your credit
report. We normally report tie status and payment history of yaw Account to credit reporting agencies each month. it you believe that our report s inaccurate or inccornpleW, please write
ha at the fatorRhg address: Discover, PO Box 15316. Wilminhgfon. DE 19850.5316. Please include your name, address, home telephone number and Amount number.
Grace Padod an Purchases (at last 25 days). We begin to impose Periodic Finance Charges on all transactions from the Transaction Date for the transaction shown on you billing
stalanan, unless a transaction is posted to your Account after the dose of the biting period in which t occurs, in winch case we begin to impose Periodic Finance Charges on thal
transaction from the fist day d 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 biting statement by making payments or receiving credits. However, d you paid the New Balance on your previous billing statement by the Paymerd Cue Date shown
on tal brig statement. we will not impose Periodic Finance Charges on new purchases, that is, purchases fret appeakg on the current billing statement, or any portion of a new
purchase. paid by the Payment We Date on your anent biting statement. We rat this Me'gace period.` There is no grave period on balance transfers or cash advances. As more
fully described in the seiim of your Cardmember Agreement titled liow We Apply Paynteds.' we generally apply payments to your Account based an the Annual Percentage Rate
applicable to the balance death transaction category. This mess that d you do not pay the New Balance on the current billing statement by the Payment Due Dab shown on that biting
statement, tree, depending on be amount of your payment and 1heAnnual Percentage Rates on other balances. you may nd"a grace period on new purchases.
Finance Change. We will charge you a minimum FINANCE CHARGE of 5.50 for any tilting period in which Periodic Finance Charges of kiss than 5.50 would otherwise be
Annual Fee. It your Account has an annual fee, it will be billed at tone beginning of each anniversary year your Account is open. The mount of the fee appears on the statement when the
fee is billed. The annual fee is not refundable unless you nW!y us Ih3l you wish to dose your Account within 30 days d the making or delivery date of the statement on whoch the fee n
toted. You will receive this refund even if you use your Card during that penad-
Periodc Finance Charges We sat your transactors into groups of purchases, cash advances, and balance transfers and then further sort the transactions within each group by
ffwk Annual Percentage Rate. For example, purchases subject to a pxoro6mal rate and purchases subject to a standard rate would be separate groups. We titer to these groups as
transaction categories. At the end of each biting period, we compute balances and Periodic Finance Charges for each day of the Wing period for each transaction category. We use the
foiowig equation to compute Periodic Finance Chaves for each transaction category
(Ave2gR July ryp bnte ( (days in biting perod) times rDahy Period c Rate).
You mBy b rharhkE Charge Stnrsnary m yaw lx ft statement for thsse amounts. Then we add up the Periodic Finance Charges for each frarhsedion category to get the
total Peink Finance Charges for yarACCOUnI The Average Daily Balance is shown as zero 'n, because of the grace period. no periodic Finance Charges apply to Uwe balance in a
transaction category. The Daily Periodic Rate is 11365th of the earespadkg Amual Percentage Rate.
We use Me Average City Balance (incurring new transactions) meted of cacjiating the balance upon which we impose Pedorfrc Finance Charges. We compute McAve -age Daily
Balance for each transaction category by adding up all the daily balances in a biting period for a transaction category and dividing the W by the number of days in Ote bitting period.
We wnple the daily be*" for each transacbm category on each day by first adding pie fallowing to the previous days daily balance: transactions with a Transaction Dale of OW
day as shown on your bbrg statement, unless the transaction is posted to your Accout after the dose of the billing periods which it occurs, n which case the transaction will be added
to the daily balance as d Me first day of the biting period in wNdn it is posted to yorrAccohrd, fees charged that day and Periodic Finance Charges accrued on toe previous dabs dally
balance, and by Own subtracting any credits and payments that are applied agarst toe balance of the transaction category on tat day. in calculating the daily balance for the first day of
the bh>Gg period, we consider the previous days daily balance to have been your balance for each transaction category on the last day of your previous biting perms.
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 are
applicable cash advance transaction category ant Balance Transfer Transaction Fee Finance Charges which are added to the applicable balance transfer transaction category.
ForTDD (Telecommunications Device for the Deaf) assistance, please cat 1400.347-7449.
Discover may monitor andlor record telephone calls between you and Discover representatives for quality assurance purposes.
OM10 The Dscoverr' card is issued by Discover Barak, Member FDIC PA0210
DISC VER
It pays to DOUGLAS RCM
DISCOVER Account number ending in 1740
page 2 of 2
Finance Charge Summary
Nominal Other
a
l Pa
o ?
A ANNUAL F
y
i
current billing period: 31 days a e
D ei
die
Rates Ii
GE
RATES PEKENTAGE
RATES FINANCE
CHIMSES FINANCE CHUM
Purchases $12,285.28 0.05477% 19.99% V 19.99% $208.59 $0
Cash Advances $0 0.06847% 24.99% 24.99% $0 s0
V = Variable Rate
Information For You
* * * ATTENTION * * * We previously requested the past due amount an your account. We have no record of receiving
payment. The amount due should be paid at once.
8966465
Questions? Visit www.Diswver.com or
call 1.800-DISCOVER (1-800-347-2683) DISCOVEK
New Balance
DISCOVER $12.016.58
12 SDSN6A01 0005244
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Minimum Payment Due Account Number ending in 1740
$665.00 Enter Amount Enclosed Below
Payment Due Date $1
June 7, 2010 Please make check payable to Discover Card.
Minimum payment due includes a past due
amount of $429.00. Phone and inlernet
payments must be made by 51)Opn ET for some
doW,
Goperless and make your account
infomation more secure with pessword-
protected statements only you can access.
Learn more at discover com/paperless.
PO BOX 71084 lllrrrllrnrrrallsalrllrrrll
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? 1111Illlll111111llllll111111llllln1111oil fill llttlr,lsill lnll
Go to www.D6covw.com or print change in space above.
000001986458146742081120165800260000066500
Opening Date: April 13, 2010 - Closing Date: May 12
Discover More Card Account Summary
Account number ending in 1740
Previous Balance $12,188.49
Payments And Credits 410.00
Purchases + 0.00
Balance Transfers + 0.00
Firance Charges + 199.09
Other Fees t + 39.00
New Balance 12,016.58
See Finance Charge Summary section following transactions
for detailed APR information
Credit Line $12,500.00
Credit Line Available $483,00.
Cash Advance Credit Line $6,300.00
Cash Advance Credit Line Available $483.00
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
t See transaction detail for a description of any fees charged.
I- I
Cashback Bonuse
Anniversary Month
June
Opening Cashback Bonus Balance $ 0.00
New Cashback Bonus This Period + 0.00
Cashbook Bonus Balance $ 0.00
To learn more, leg in at www.Discover.com and select Rewards
2010 page 1 of 2
Payment Information
New Balance $12,016.58
Minimum Payment Due* $665,00
Payment Due Date June 7, 2010
*Includes past due amount of $429.00
Lab Payment Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay a late
you,
rransaa4oa3 may Gas iuctttU4ew up to Nne Uenwr. AL n ?i - -
24.99% variable.
Minimum Payment Warning: If you make only the minimum
payment each period, you will pay more in interest and it will
take you longer to pay off your balance. for example:
I Only the minimum I 52 years I $60,620 I
payment
IF you would like information about credit counseling services,
call 1-800.347.1121
3 Easy Ways to Contact Us Manage Your Account Online at www.Discovw.com
1 Access your account securely at www.Discovw.com Access free online tools like Poydown Planner to create a plan
2. Call 1-8004DI$COVER (1-800.347.2683) to pay down your bakunce, securely access statements, pay
Please have your Discover® card available. bills online and easily track alftronsocfiau
3. Write to us at Discover, PO Box 30943,
Salt Lake Cit
UT 84130 Make your money worth more W -find easy ways to earn
y, and redeem cash rewards
For TDD (relecommunications Device for the Deal) NEWT Access your account securely through your
assistance
896646 ease call 1.800.347-7449,
mobile phone
Transactions
Tx Po
Deb Dole
Payments and Credits Apr 30 Apr 30 PAYMENT THANK YOU $ -260.00
May 2 May 2 FINANCE CHARGE REFUND 150.00
Other/Miscepaneous May 7 May 7 LATE FEE
39.00
See reverse side. DWO EIZ
Important Mformalion. Ifthere is more than ache page to this trtlkg statement see the back of each page faaddi0arwl important information. to
See your CardmemberAgreernent. Your Cardmember Agreernere captains all the terms of your Account Z
Lost or stolen arch. Report nnradrelely! Call 1-800-347.2683. °i
D
0
Biting Rights Summary: o Case of Enos or QuestionsAbout Your Bit: If you think your big is wrong, or if you need more information about a bahsactiah on your bill, wile to m on a c
separate sheet of paper at Discover, PO Boot 30421. Sag Lake City. UT 84130-0421. as soon as possible. We must hex from you no later than 60 days after we sent you the fast bill on o°
which the a or or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter- give us the following information: N
Your name and Account rwrtber a
The dollar amount of Mme suspected error.
Describe the error and eoplairh, t you can, why you believe there is an error. If you creed more information, describe the item you are unsure about.
You do not have In pay any amarn in question while we are investigating, but you are still obligated to pay the parts of r bill that are not in question. Wthile we inves" J
question, we canal report you as definquenl or take pay 1
any action to oxuted the amount you question.
.- -= - Siwac•7 v t ? -w.M r.?? Pa±eliwaes- k- our,: ^ a ?>opk:t<t Mrgr hhe*yaatily or grH c+s •ou sec ? 3fx-? nnkthaseo! wutih a ? .Hit e u vovn awe, orou ..?. r Gv»h r aru-. ,,.?.. _.?_ ..? _ .._..-.__.
bf[.."'Ti ucrIkiia FyZaivWrutiavo!o0yffxrefiaaimgZrhuunId,rL uhr: ;dhv;}ilia-µ
and the purchase was made in your home state our within 100 mks of your mailing address. (If we own or operate the merchant or d we mailed you the advertisement for the goods orl
services, all purchases are covered regardless of the amount or location of purchase.)
Payments. Send only your payment and the top portion of this statement n 9* envelope provided. Do not send cash. By sending your check as described above, you authaae us to
use information an your check to make an electronic fund transfer pan your account at the financial institution nntcaled on your dock or to, process the payment as a check transaction.
If payment is processed as an electronic fed transfer, the transfer will be for the amount of the check. When we use infamatien from your check to make an electronic led transfer,
funds may be withdrawn from your account as soon as the same day we rear+e your payment and you will not receive your check bark from your financial in64Wtoh.
The processirg d your payment may be delayed if you send cash, correspondence or other items, with your payment, 9 you send the payment to any other address ail you use an
envelope other than the one provided. Payments received in proper lion at our processing facility by 5PfA local tine on any day will be credited to your Account as d that dity Payments
received at our proomxig facility after 5PM local time YA be credited o your Account as of the next day. If you have misplaced yaw em eope, send your paynherht b Discover, PO Box
6103, Card Stream, IL 60197-6103. Please allow?-10 days fir defivpay. It your payment is rehumed inpaid: ve reserve the right to resubmit it as an etectrortk 4"
You can pay your min rim payment our a greater amount over the telephone, and you can set hp auomatic payments. Cal us at 1-600-347-2683. You will need this statement and your
bank account infamatae. You must ensue that sufticent Ands are available in your bank account and all transactions must cxornply with U.S. law. You will be asked to preside the first
5 digits of your accound slalerred 21P code. By entering those numbers as you electronic signature, you will be agreeing to this authoizatim to allow us and your bank to deduct each
payment you authorize from yaw bank account, and to nieate debt our txedg entries b your bate account as applicable, to correct an error in the processig d such paymzd. You must
het us the amount of each payment or you an select an amount such as the Mirirmrn Payment Due or the New Balance on each statement. You can cancel a paymeK however vie
must rece ve notice at least twee business days in advance of the scheduled payment. You may notify us by phone at 1 -f!M 347-2683 or by mail at the address listed in the previous
paragraph. If your payderits vary in amount, we wit tell you on each monthly statement when yaw payment will be made and how much M will be. Your autarhatc paymed amount may
be less than indicated on the monthly statement based on credits or payments applied during the biting cycle.
Credit Reporting. We may report whomaeon about your Account to credit bureaus. Late payments, missed payments. or other delauts on your Account may be rellecied in you credit
report. We normally report the status and paymerd hislory of your Account to credit reporting agencies each mo mh. If you believe that our report's naccurale or ncompleo, please wr[e
us at the following address: Discover. PO Box 15316, I,Yikdng!on, DE 19850.5316. Please include you name, address, home telephone number and Account number.
Grace Period on Purchases (at least 25 nays(. We begin to impose Periodic Finance Charges on all transactions from the Transaction Date for the bansxli rh shown on your biding
statement, unless a transaction is posted to your Account after the dose of the billing period in which it occurs, in which case we begin to impose Penodi Finance Charges on that
transaction from hue first day of the billing period n vdtich it is posted to your Account We owliue to impose Periodic Finance Charges until the date you pay your entire New Balance
shown on your billing statement by making payments or recetvirg credits. However, if you paid the New Balance on your previous billing staiernenl by the Payment Due Date shown
on that biting statement, we wile not impose Penodic Finance Charges on new purchases, that is, purchases first appearing on the anent billing statement or any portion of a new
purchase. paid by the Paymerd Due Date on your current biting statement. We call this the *grace period:' Them is no grace period on balance transfers or cash advances. As more
fully described in the section of your Cadmmber Agreement titled -How We Apply Payments.' we generally apply payments to your Account based on the Annual Percentage Rate
applicable to the balance o (each transaction category. This means that if you do nil pay the New Balance on tie current billing statement by the Payment Due Dale shown on that UMirg
statement, then. dependig on the amount of your payment and the Annual Percentage Rates on other balances. you may not gel a grace period on new purchases.
Minnhum Finance Charge. We wA charge you a min umu n FINANCE CHARGE d 550 for any baling period in which Periodic Finance Charges of less than 5.50 would odherwise be
imposed.
Annual Fee. If you Account has an annual fee. it Will be billed at the beginning of each anniversary year your Account is open. The amount of the fee appears on the statement Wm the
fee is billed. The mnual fee is riot refundable unless you notify us that you rash to close yv»jrA, count wig-,n 30 days of the mailing or delivery date of Te 3!arentent on which nee ice ib
bind. You will receive this refund even d you use your Card during that period.
Periodic Finance Charges. We sat your ha isaMors no groups of purchases, cash advances, and balance transfers and then further sat the transactions wilthih each group by
their A real Percentage Rate. For example, purchases subject to a pmnobonal rate and purchases subject to a starhdad rate would be separate groups. We re err o these groups as
transact m categories. At the end of each billing period. we compile balances and Peo& Finance Charges for each day of the being period for each trarsadiah category. We use the
fotowirg equation to compute Periodic Anance Charges for each frarsactah cAegoy:
(Ave igq pkbt? (days in bAMrhg period) lrnes (Daily Periodic Rate).
You may tithe Charge Summary on your baling stalerrhem 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 m if.1M of the corresponding Annual Percentage Rate.
We use MAverage Dairy Balance lihdlllding new trasacions) method of akublim the balance upon which we impose Periodic Fnahce Charges. We compute Be Average Daily
Balance for each transachm category by adding up all the daily balances in a billing period or a transactor category and dividing the total by de rumber of days in the biding period.
We compute the daily balance for each transaction category on each day by first adding the following to the previous day's daily balance. transactors with a Transaction Date of that
day as shown on your biding slatanent, unless the transaction is posted to yourAccohunt after the close of the billing period in which g occurs. in Which case tie transaction will be added
to the daily balance as of it* first day of the biting period in which it is posted to yourAccount fees charged that day and Periodic Finance Charges accrued on the previous days daily
balance: and by then subtracting any credits and parser is Mat are applied against the balance of the transaction category on Meat day. In calculating the daily balance for Mo lust day of
the doing period, we corsider the previous days daily balance' to ham been your balance for each transaction Category on the last day of your preOws baling period.
AM fees charged to yourAcco ud are abided 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 alegay and Balance Transfer Transaction Fee Fira ce Charges which are added to the applicable balance transfer transaction category.
For TDD (Telecommunications Device for the ISeaf) assistance, please call i400.347.7449.
Discover may moritor andfor record telephone ails between you and Discover representatives for quality assurance purposes.
02010 The Discover` card is issued by Discover Bank, Member FDIC PA0210
It Pays to DOUGLAS ROSS
DISC- VER DISCOVER Account mbar ending in 1740
page 2 of 2
Finance Charge Summary Nominal OR,or
Averags ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE
current billing period: 30 days Balances Rates RATES RATES CHARGB CHARGES
Purchases $12,117.59 0.05477% 19.99% V 19.99% $199.09 $0
Cash Advances $0 0.06847% 24.99% 24.99% $0 $0
V a Variable Rate
Information For You
* * * ATTENTION * * * We previously requested the past due amount on your account. We have no record of receiving
payment. The amount due should be paid at once.
8966465
Questions? Visit www.Discover.com or
call 1.800-DISCOVER (1-800-347-2683). D MOVER
New
DISCOVER ..12 SDSN6A01 0005245
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Minimum Payment bus Account Number ending in 1740
$638.00 Enter Amount Enclosed Below
Payment Due Date
7
, 2010
,ey
Please make check payable to Discover Card.
Minimum due includes a past due
Payment
amount of
0. Phone and Internet
s must be made by 5:00pm ET for some
ymeerit
t
oY Go p and make your account
information more secure with password-
protected statements only you can access.
Learn more at discover comtpapaless.
PO BOX 71084 I11nd?urud?u?r??nd?
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change; Inrlrllrrlnrlnllurlnlrlnnllllurlnlnlnllulululrlnll
Go to www.Discover.com or print change in space above.
000001986458146742081118484500260000063800
Opening Dan: May I a, 2010 - Closing Date: June 12
Discover More Card Account Summary
Account number ending in 1740
Previous Balance $12,016.58
Payments And Credits 410.00
Purchases + 0.00
Balance Transfers + 0.00
p'....JauY • .v. t qua v vu
V.-
Interest Charged + 202.87
Fees Charged + 39.00
New a 11,848.45
See Interest Charge Calculation section following
transactions for detailed APR information
Credit Line $12,500.00
Credit Line Available $651.00
Cash Advance Credit Line $6,300.00
Cash Advance Credit Line Avoiiable $651.00
You may be able to avoid Interest Charges, see Additional
Important Information for details.
wanw?w wnva Anniversary Month
June
Opening Coshback Bonus Balance $ 0.00
New Cashback Bonus This Period + 0.00
Cashback Bonus Balance $ 0.00
To kern more, log in at www.Discover.com
Lv 1U page I atA
Payment Information
New Balance $11,848.45
Minimum Payment Due* $638.00
Payment Due Date July 7, 2010
*Includes past due amount of $405.00
Late Payment Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay a late
Sas o op r^ 539.. 0 w.C1 .::, it 1t? ^se AP'-- 1< i
rransactions may tw ncreased up rs ?I,e I wwlry ia?k of
24.99% variable.
Minimum Payment Warning: If you make only the minimum
payment each period, you will pay more in interest and it will
take you longer to pay oft your balance. For example:
l ygut ttalte t'ou al'' WA6 Aid'
calnerv+rr?1R up.4pr
thraumd ap?f, ttrls atatemami;in
?.: ; eslinapPaEl?glir? ? ;
nanttr:ntpay abwuf
Only the minimum 52 years $59,669
payment
IF you would like information about credit counseling services,
call 1-800.347.1121
3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com
1 Access your account securely at www.Discaver.com
2. Call 1-800-DISCOVER (1-800-347-2683)
Please have your Discover* card available Access free online tools like Paydown Planner to create a plan
to pay down your balance, securely access statements, pay
biNs online and easily track all transactions
3. Write to us at Discover, PO Box 30943,
Salt Lake City, UT 84130 (Not a payment address)
Make your money worth moresm-find easy ways to earn
For payments, please send to address on remittance or and redeem cash rewards
Discover, PO Box 6103, Carol Stream, IL 60197.6103 NEWT Access your account securely through your
For TDD (Telecommunications Device for the Deaf) mobile phone
assistance, please call 1-800.347-7449.
Transactions
Trans.
Dale
Payments and Credits May 31
Jun 1
Post
Data
May 31 PAYMENT THANK YOU
Jun 1 INTEREST CHARGE REFUND
$ -260.00
150.00
Fees Jun 7 Jun 7 LATE FEE S 39.00
TOTAL FEES FOR THIS PERIOD 39.00
interest Charged
INTEREST CHARGE ON PURCHASES
$ 202.87
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.
• Print a paper copy of your statement anytime.
• Sign up today at Discovercom/paperless
02010 Discover Bank, Member FDIC i
I
PAPER.0310
Transactions
Trans. Post
(cont.) Data Date
bntsrest Charged INTEREST CHARGE ON CASH ADVANCES s 0.00
INTEREST CHARGE ON BALANCE TRANSFERS 0.00
TOTAL INTEREST FOR THIS PERIOD 202.87
2010 Totals Yearta-D ate. .
f 3TAufEES C.iLkRGED IN 2010 S 189 ou
TOTAL INTEREST CHARGED IN 2010 908.97
8966465
Questions? Visit www.Discover.com or DISCOVER
call 1.800-DISCOVER (1-800-347-2683)
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DISC VER
It pays to DOUGLAS ROSS
DISCOVER Account number ending in 1740
page 2 of 2
Interest Charge Calculation
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Current Billing Period: 31 days
TYPE OF BALANCE
Purchases
Cash Advances
V = Variable Rate
ANNUAL PERCENTAGE ? SSUBW TO NFEREW CHARGE
RATE WK)
RATE
19.99% V $11,948.20 $202.87
24.99% =0 $0
Additional haportwrt a Foi nation
See your Cardmem6er Agreemord. Your Cardmember Agreement contains all the terms of your Account.
Lost or stolen: cards. Report immediately! Call 1-804347.2683.
What To Do If You Think You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84 1 30-042 1
In your letter, give us the fallowing information:
Account information: Your name and account number.
Dollar amount: The dollar amount of the suspected error
• Description of Problem: If you-think-there is an error on your bill,-describe what-you believe is-wrong and-why-you-Wieye
it is a mistake.
You must contact us within 60 days after the error appeared on your statement.
You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any
potential errors and you may have to 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 amount in question, or report you as delinquent on that amount.
The charge in uestion may remain on your statement, and we may continue to charge you interest on that amount. But, if
we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees rokated
to that amount.
• While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
We can apply any unpaid amount against your credit limit.
Your Rights tf You Are Dissatisfied With Your Credit Card Purchases
if yoe? urni diuatisfied with the goods or services that you have purchased with your credit card, aril you have fried -
in good faith to correct the probIWm-WiN1"t e-ffiW4hWfi you nmy- ibve the right not to pay the rerr,aimng amount
due on the purchase.
To use this right, all of the following must be true:
1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and
the purchase price must have been more than $50. (Note: Neither of these are necessary if your purdrase 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 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 the purchase.
If all of the criteria above are met and }rev are still dissatisfied with the purchase; contact us in writing at:
Discover, PO Box 30945, Salt Lake City, UT 84130-0945
While we investigate, the some rules apply to the disputed amount as discussed above. After we finish our
investigation, we will tell you our decision. At that point, 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 send cash. By
sending your check as described above, you authorize us to use information on your cheek to make an electronic fund
transfer from your account at the financial institution indicated on your check or fo rrocess the payment as a check
transaction. It payment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we
use information from your check to make an electronic Fund transfer, Funds may be withdrawn from your account as soon as
the some day we receive your payment, and you will not receive your check back From your financial institution.
The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you
send fhe payment to any ether address or if you use an envelope. other than the one provided. Payments received in proper
form at our processing Facility by 5PM local time on any day will be credited to your Account as of that day. Payments
received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you Kaye
misplaced your envelope, send your payment to Discover, PO Box 6103 Carol Stream, IL 60197.6103. Please allow 710
days for delivery. If your payment is returned unpaid, we reserve the riW* to resubmit it as an electronic debit.
You can pay your minimYum payment or a greater amount over the telephone, and you can set up automatic payments. Call
us at 1.8 04 347-2683. ou will need this statement and your bank account information. You must ensure that sufficient
funds are available in your bank account, and all transactions must comply with U.S. law. You will be asked to provide the
first 5 digits of your account statement ZIP code. By entering those numbers as yyoouurr electronic signature, you wiB be roei
to this authorization to allow us and your bank to deduct each payment you aulhorize from your bank account, and to?initin?
debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You must
tell us the amount of each payment or you can select an amount such as the Minimum Paymerd Due or the New Balance on
each statement. You can cancel a yment; however we must receive notice at least three business days in advance of the
scheduled payment. You may yt us by phone at 1.804347-2683 or by mail at the address listed in the previous
paragraph. If your paymerds vary in amount, we will tell you on each monthly statement when your ant wiR be mode
and how much it witl be. Your automatic payment amount may be less than indicated on the mol7skstatemerd based on
credits or payments applied during the billing cycle.
Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or
of t cn your Account may be reflected in your credit report. We normally report the status and payment history of
ID credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write
us at the following address: Discover, PO Box 15316, Wilmington, DE 19850.5316. Please indicate your name, address,
home telephone number and Account number.
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER
Paying Interest We begin to impose Interest 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 occurs,
in which case we begin to impose interest charges on that transaction from the first day of the billingg ppeerinod in which it is
t
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pos
e
o your
ccoun
.
e cont
nue
o impose
nterest C
arges unti
t
e date you pay your entire . Balance shown on
your billing statement by making payments or receiving credits. If you paid the New Balance on your previous bit'
statement by the Payment Due Date shown on tlwt biNmg statement, we will not im se Interest Charges on new pwcFwses,
that is, purchases first appearing on the currant billing statement, or anX portion ofanew purchase, paid by the Payment Due
Date on your current bilkrrg statement. We call this ifre "grace period. It is not less than 25 days There is no 9rac? period
b
l
f
d
'
on
a
ance trans
ers or cash a
vances. As more fully described in the section of your Cardmember Agreement trued
How
We Apply Paymenh," we generally apply payments to your Account based on the APR apolicable to the bakmce of each
transaction cate
o
This means t at 1
ou o
ot
a
the N
B
l
th
nt
li
t
t
t b
h
P
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g
ry.
y
p
y
n
ew
a
ance on
e curre
s
ng s
a
emen
y t
e
ayment
ue
Date shown on that billing statement, then, depending on the amount of your payment and the APRs on other balances, you
may at get a grace period on new purchases.
Minimum Interest Charge We will charge you a minimum Interest Charge of x.50 for any billing period in which Interest
Charges of less than $30 would otherwise be imposed-
Annual Fee. If your Account has an annual fee, it will be billed at the begginn?ing of each anniversary year your Account is
open
The amount of the fee ap
ears on the statement when the fee is billed
The annual fee is not refundable
l
.
p
.
un
ess you
notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which Class
is billed. You will receive this refund even if you use your Card during that period.
Wow We Calculate Interest Charges Daily Balance Method (including current transactions): We figure Interest Charges for
each billing period. To do this:
We calculate your Interest Charges separately for each balance subject to different terms (for example, standard
purchases, standard cash advances and each purchase, balance transfer and cash advance balance subject to
promotions) terms). We refer to these balances as transaction categories.
• We figure the "daily balance" For each transaction category. To get the "daily balance" we take the beginning
balance for each day, add any new transactions and fees and any Interest Charges accrued on the
previous day's daily balance. We then subtract any credits and ents and make other adjustments (including (hose
'
"
" co
z
odl
ustmenh required in the section lifted
Paying merest
). 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 on the last day of your
i
b
ll
d
Th
h
d
l
b
l n
o
previous
i
ing per
o
.
is gives us t
e
ai
y
a
ance for each transaction category. o
We fi a the Interest Charges on your Account by multiplying the daily balance for each transaction category by
its da57periodic rate, for each day in the billing period. N
p
The total Interest Charges for the billing period are the sum of the daily Interest Charges for each transaction 0
category for each day during that billing period. °
When we calculate daily balances, we add a new transaction as of the Transaction Date 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 die
- firwnsaction wilt be dc!ed to the ?.Iy bla?ne_.cts 9f then Icry oF?It?s killing paste d in which it is posted ;o it Aecount:->e All
Fees charged to your Account are added to the stannaitid purchase transach category with the exception o(Cash Advunce
h
d
Fees w
ich are adde
to the applicable cash advance transaction category and Balance Transfer Fees which are added to
the applicable balance transfer transaction category.
Foreign Currency Fee: 2% of the U.S. dollar amount of each purchase made in a foreign currency.
Penalty APRs: Each time you fail to make a V Rs when due, we may, in accordance with applicable law, (i) terminate the
availability of any introductory/promotional APRs on new transactions and (ii) increase your APRs for new transactions to
variable Penalty APRs which will be determined by adding up to an additional 5 :on" points to the otherwise applicable
APR. Your Pena APR is determined based on your creditworthiness and other fzocrs such as your current APRs, and your
account history. I your APRs For raw'.rensactions are increased far a late payment, the Penalty APRs will apply indefinitely.
For MD (Telscamrrwrrications Device for the Deaf) assistance, please call 1-800-347-7449.
Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance
purposes.
The Discover®card is issued by Discover Bank, Member FDIC
OITBK172
Information For You
* * * ATTENTION * * * We previously requested the past due amount on your account. We have no record of receiving
payment. The amount due should be paid of once.
8966465
Questions? Visit www.Discover.com or c?„
call 1-800-DISCOVER (1-800-347.2683). D'SC•VEIZ
DISCOVER
New Balance .Minimum Payment Due
$12,083.68 $875.00
Payment Om Date
August 7, 2010
12 SDSN6M1 0005246
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Account Number ending in 1740
Enter Amount Enclosed Below
1
Please make check payable to Discover Card.
Minimum yment due includes a past due
amount of $638.00. Phone and internet
payments must be mode by 5:OOpm ET for some
Gopaerless and make your account
information more secure with password-
protected statements only you can access.
Lear more at discover.cou9paperless.
PO BOX 71084 llln?llnnnllulrllrull
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Go to www.Discomr.corn or print change in space above. 111111131
?ulu?nllnlrrlnlrlul?
Go to www.Discomr.corn or print change in space above. ui
000001986458146742081120836800000000087500
Opening Date: June 13, 2010 - dosing Date: July 12, 2010
Discover More Card Account Summary
Account number ending in 1740
Previous Balance $11,848.45
Payments And Credits 0.00
Purchases + 0.00
Balance Transfers + 0.00
Interest Charged + 196.23
Fees Charged + 39.00
New Balance 12,083.68
See Interest Charge Calculation section following
transactions for detailed APR information
is l of 2
Payment Information
New Balance $12,083.68
Minimum Payment Due" $875.00
Payment Due Date August 7, 2010
"Includes past due amount of $638.00
Late Payment Waming: If we do not receive your minimum
payment by the date listed above, you may have to pay a kde
tcacs ?y io $39 ^f; ".o y.us, tui k?Parrs.=vm_- - - -
f;onxichons may be mcraasew up to tiu, i'enohy hFit of
24.99% variable.
Mi.inum Payment Waning: If you make only the minimum
payment each period, you will pay more in interest and it will
take you longer to pay off your balance. For example:
Credit Line $12,500.00
Credit Line Available $416.00
Cash Advance Credit Line $6,300.00
Cash Advance Credit Line Available $416.00
You may be able to avoid Interest Charges, see Additional
Important Information for details.
Cas back Bons' Anniversary Month
June
Opening Cashback Bonus Balance S 0.00
New Cashback Bonus This Period + 0.00
Cashback Bonus dolance $ 0.00
To learn more, log in of www.Discover.com
3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com
1 Access your account securely at www.D6covsr cam
2. Call I-800-DISCOVER (1-800-347-2683)
*
Please ha
Di
d
il
bl . Access free online tools like Paydown Pk wmw to create a plan
to Por down your balance, securely access statements, pay
ve your
scover
car
ava
a
e. bills online and easily back all transactions
3. Write to us at Discover, PO -Box 30943,
Sak Lake City, UT 84130 (Not a payment address)
• Make your money worth moiesm-find easy ways to eon
For payments, please send to address on remittance or and redeem cash rewards
Discover, PO Box 6103, Carol Stream, IL 60 1 97-61 03 NEWT Access your account securely through your
For TDD (Telecommunications Device for the Dean mobile phone
assistance, please call 1-800.347-7449.
Transactions
Trans. Post
Data Dais
Fees Jul 7 Jul 7 LATE FEE
TOTAL FEES FOR TM PERIOD
39.00
39.00
Interest Charged INTEREST CHARGE ON PURCHASES $ 196.23
INTEREST CHARGE ON CASH ADVANCES 0,00
INTEREST CHARGE ON BALANCE TRANSFERS 0.00
Yatx ::. . ... air wmfl pay elf At?d_
S bokmte sfk»vn on p
ow yard and this atatemerd.0 ssf trscded tacit elf.
mcr you Pay 96ovt;
Only the minimum 52 years $59,932
payment
If you would like information about credit counseling services,
call 1-800-347.1121
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC*VER
Paperless statements mean less clutter, more convenience
Easily access up to 24 months of downloado6le, 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 o paper copy of your statement anytime.
• Sign up today at Discovercom/paperless
®2010 Discover sank, Member FDK;
PAPER.0310
Transactions
Trans. Post
cont.) Date Date
Interest Charged TOTAL RMREST FOR THIS PERIOD S 1%.23
2010 Totals Year-to-Date
8966465
TOTAL FEES CHARGED IN 2010 S 228.00
TQj ?SI-PF7 -4ARr r? - 1r"`1 ' .115
co
O
1n
Z
m
0
0
0
0
0
Questions? Visit www.Discover.com or DISCOVER
call 1-800-DISCOVER (1-800-347-2683).
DISC. VER
It pays to DOUGLAS ROSS
DISCOVER number ending in 1740
page 2 of 2
Interest Charge Calculation
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Current Billing Period: 30 days
TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SULUECT TO INTEREST CHARGE
RATE I" INTEREST RATE
Purchases 19.99% V $11,943.03 $196.23
Cash Advances 24.99% 50 50
V = Variable Rate
Additional Irnpartant aim, ation
See your Ca?dmember Agreement. Your Cardmember Agreement contains all the terms of your Account.
Lost or stolen cards. Report immediately. Cal 1-800-347-2683.
What To Do If You Think You Find A Mistake On Your Stalrmenl
if you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84130-0421
In your letter. give us the following information:
Account information: Your name and account number
Dollar amount: The dollar amount of the suspected error.
• Description of Problem: If you think-Owe .is Qn error on your bill, describe what you believe is wrong and why you believe
it is a mistake.
You must contact us within 60 days after the error appeared on your statement.
You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any
potential errors and you may have to 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 amount in question, or report you as delinquent on that amount.
• The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if
we det r ine chat we made a mistake, you will not have to pay the amount in question or any interest or other fees related
to that amount.
• While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
We can apply any unpaid amount against your credit limit.
Your Rights ff You Are Dissatisfied With Your Credit Card Purchases
...., ..... ,,:r:?. 4rtf• the I ,, vs :.. ... .
; i +
,i I.-60,.i e.(roe:2hrs Frculem 11,Triu )
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due on the purchase.
To use this right, all of the following must be hue:
1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and
the purchase price must have been more than $50. (Nola NeitFrer of these are necessary if your purchase was
based on an advertisement we mailed to you , or if we own the company that sold you fhs 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 occounf do not qualify.
3. You must not yet have fully paid for the purchase.
If all-of the criteria above aremetand ya are still dissciisfied with the purchase, contact us in writing at:
Discover, PO Box 30945, Salt Lake Ci yl , rUT 84130}0945
While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our
investigation, we will fell you our decision. At that point, 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 send cash. By
yyouur check as described above, you authorize us to use information on check to make an electronic hxtd
sendg
tranGam your account ot the financial institution indicated on your check or fo'rocess the paymenF as a cfrsck
tranion. fF pyment is processed as an electronic fund transfer, the haufer will be for the amount of the check. When we
use rmation from
your check b make an electronic fund transfer, funds may be wiHtdrawn from your account as soon as
the same day we receive your payment, and you will not receive your check back from your Financial institution.
The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you
send the payment to any ether address or iF you use an envelope other than the one provided. Payments received rn proper
form at our processing facility by PM local time on any day wiN be credited to you? Aeeount as of that day. Payments
received ot our processing Facnhly after 5PM local Nme will be credited to your Account as of fhe need day If you have
misplaced your envelope, send your payment to Discover, PO Box 6103 Card Stream, IL 60197 6103. Phase slow 7.10
days For delivery . If your payment is returned unpaid, we reserve the rig t fo resubmit it as an electronic debit.
You can pay your minimum payment or a greater amount over" telephone, and you con set up automatic payments. Call
us at 1-804347-2683. You will need this statement and your bank account information. You must ensure that sufficient
funds are available in your bank account, and all transactions must comply with U.S. law. You will be asked Ic provide the
first 5 digits of your account statement ZIP code. By entering those numbers as your electronic s'inature, you wiA be a9roeing
to this authorization to allow us and your bank to deduct each payment you authorize from your =account, and to mitiab
debit or credit entries to r bank account, as a plicable, to correct an error in the processing of such payment. You must
tell us the amount of eocli Payment or you can select an amount such as the Minimum Payment Due or the New Balance on
each statement. You can cancel a ; however we must receive notice at leastthree, business days in advance ofthe-
scheduled payment. You may rafi us by phone at 1-804347-2683 or by mail at the address listed in the previous
paragraph. If your payments vary in amount, we will tell you on each monthly statement when your payment will be made
and how much t will be. Your automatic payment amount maybe less than indicated on the month statement based on
credits or payments applied during the bi iAing cycle.
0sedtt Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or
on your Account may be reflected in your credit report. We normally report the stales and paymert history of
to credit reporting agencies each month. IF you believe that our report is inaccurate or incomplete, please write
us at the following address: Discover. PO Box 15316, Wilmington, DE 19850-5316. Please indicate your name, address,
home telephone number and Account number
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC4WEIc
Paying Interest: We begin to impose Interest Charges on all transactions from the Transaction Date for the transaction shown
on your billing statement, unless a transaction is posted to your Account after the dose of the billing period in which it occurs,
in which case we begin to impose interest charges on that transaction from the first day of the billing period in which it is
posted to your Account. We continue to impose Interest Charges until the date you payyour entire New Balance shown on
your billing statement by making pymerds a receiving credits. If you paid the New Balance on your previous 610'
statement b the PaymepntpDeaue Date shown on That bilgling statement, we will not im so Interest Charges on new hoses,
a now than 5 chase, paid by the ant Due
There is no gra?e riot
Deaf isases?t biAirtg st?ement eWa call fhpsntfre? grace period Xs?not less
on balance transfers or cash advances. As more fully described in the section of your Cardmembsr q?reement fitted How
We Apply Payments," we generaNv apply payments to your Account based on the APR applicable to tTie balance of each
transaction category. This means t n you do not pay the New Bakmce on the current billing statement by the Payment Due
Data shown on that bnllnng statement, then, depending on the 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 chars you a minimum Interest Charge of $50 for any billing period in which Interest
Charges of less than s.50 would otherwise be imposed.
Anrwal fee. If your Account has an anrwal fee, it will be billed at the be inning of each anniversary year your Account is
open. The amount of the Fee appears on the statement when the fee is billed. The annual fee is not refundable unless you
notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the Fee
is billed. You will receive this refund even if you use your Card during that period.
How Ws Calculate Interest Charges Daily Balance Method ['including current transactions): We figure Interest Charges for
each billing period. To do this:
• We calculate your Interest Charges separately for each balance subject to different terms (for example, standard
purchases, standard cash advances.and each purchase, balance transfer and cash advance balance subject to
promotional terms). We refer to these balances as transaction categories.
• We figure the "daily balance" for each transaction category. To get the "daily balance' we take the begin ring (D
balance for each day, add any new transactions and fees and any Interest Charges accrued on the previous day's 0
daily balance. We then subtract any credits and payments and make other adjustments (including those z
adjustments required in the section titled "Paying Interest"). In calculating the daily balance for the first day of the n
billing period, we consider the "previous day's daily balance" to have been your balance on the lost cloy of your o
previous billing period. This gives us the daily balance for each transaction category. o
• We Figure the Interest Charges on your Account by multiplying the daily balance for each transaction category by
its daily periodic rate, for each day in the billing period.
The total Interest Charges for the billing period are the sum of the daily Interest Charges for each transaction o
category for each day during that billing period.
When we calculate daily balances, we add a new transaction as of the Transaction Date shown on your billing statement,
u?l^•• #6^ transaction is posted fn your Account after the close of the billing period in which it occu•a in which case the
1 - & i?' 'di1'i Fil till ffi;ifnCS as'iaftl,v fur ftSSr iTF? i p. .. tTr, )ht-:a_
fee. 1naryeua your Account are added to the standard purciwse transacnon cut%y y wuh me exception ut Cash Advance
Fees which are added to the applicable cash advance transaction category and Balance Transfer Fees which are added to
the applicable balance transfer transaction category.
Foreign Currency Fee: 2% of the U.S. dollar amount of each purchase made in a foreign currency.
Penalty APRs: Each time you fail to make o payment when due, we may, in accordance with applicable law, IQ terminate the
availability of any introduckxy/ romotioral APRs on new transactions and (ii increase your APRs for new transactions to
variable Penalty APRs which will be determined by addinr?gg up to an ar?ditiora?5 aeenitoge points to the otherwise applicable
APR. Your Penalty APR is determined based on your creditworthiness and other factors such as your current APRs, and your
account history. If your APRs for new transactions are increased for a kite payment, the Penalty APRs will apply irdefindely.
For TDD (Telecommunications Devito for the DeaQ assistance, please call 1-800-347-7449.
Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance
purposes.
The Discovermcard is issued by Discover Bank, Member FDIC
OITBK172
Information For You
* * * ATTENTION * * * Your account is seriously past due. Payment of the amount due and arrangements for future
payments should be made immediately.
8966465
Questions? Visit www.Discover.com or ??SC?VE?
call 1-800-DISCOVER (1.800-347-2683)
New Balance
$12,329.54
DISCOVER
12 SDSN6AOt 0005247
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Minimum Payment Due Account Number ending in 1740
$1,117.00 Enter Amount Enclosed Below
Payment Due Date $ -?
September 7, 2010
Please make check payable to Discover Card.
Minimum payment due includes a past due
h
d
internet
amount of $875.00. P
one an
payments must be made by 5:00pm ET for some
day Ts rl..and make Y. account
information more secure with password-
protected statements only you can access.
Leam more at discovercomlpaperkss.
PO BOX 71084 116arlloaallrsl.llarrll
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? ?nlmllnluulrllu?lulmlumll?lumlululnllnlulm,lminl?
Go to www.Discowr.corn or print change in space above.
000001986458146742081123295400000000111700
Dpening Date: July 13, 20 - Qosing Dante: ,
Discover More Card Account Summary
Account number ending in 1740
Previous Balance $12,083.68
Payments And Credits 0.00
Purchases + 0.00
Balance Transfers + 0.00
Cast: Advances r 0.00
Interest Charged + 206.86
Fees Charged + 39.00
New Ba ante 12,329.54
See Interest Charge Calculation section following
transactions for detailed APR information
Credit Line $12,500.00
Credit Line Available $170.00
Cash Advance Credit Line $6,300.00
Cash Advance Credit Line Available $170.00
You may be able to avoid Interest Charges, see Additional
Important Information for details.
Opening Cashback Bonus Balance
New Cashback Bonus This Period
Cashbadc Bonus Balance
To learn acre, lag in at www.Discover corn
Anniversary Month
June
S 0.00
+ 0.00
5 0.00
page 1 of 2
12, 2010
Payment Information
New Balance $12,329.54
Minimum Payment Due' $1,117.00
Payment Due Date September 7, 2010
"Includes past due amount of $875.00
Late Payment Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay a late
fee of up is $39.CO and your rurchose APRs for new
transactions may be increased up to the Penalty APR ut
24.99% variable.
Mi irnum 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:
lit.. #... Yctfxpayafl .... f!><yd.
si>om'?r sA?
'1tS card and tW,3TaMinentin -. a•tngf.4t#.I-?
mortft.you:f3... . ...btwl ....
Only the minimum 52 years $60,194
payment
If you would like information about credit counseling services,
call 1-800-347.1121
3 Easy Ways to Contact Us Manage Your Account Onl'ma at www.Discovw.com
1 Access your account securely at www.DiKover.com • Access free online tools like Paydown Planner to cradle a plan
2. Call 1-800-DISCOVER (1-800.347-2683)
Please have your Discovers card available. to down your balance, securely access stalemenh, pay
WE online and easily track all transactions
3. Write to us at Discover PO Box 30943,
Sall Lake City, UT 84130 (Neat a payment address)
Make your money worth moresm -find easy ways to can
For payments, please send to address on remittance or and redeem cash rewards
Discover, PO Box 6103, Card Stream, IL 60197-6103 NEWT Access your account securely through your
For TDD (relecommunications Device for the Deaf) mobile phone
assistance, please call 1-800.3 4 7-7449,
ransadions
Trans. Post
Date Dab
Fees Aug 7 Aug 7 LATE FEE $ 39.00
TOTAL FEB FOR THIS PERIOD 39.00
Interest Charged INTEREST CHARGE ON PURCHASES $ 206.86
INTEREST CHARGE ON CASH ADVANCES 0.00
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 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.
• Print a paper copy of your statement anytime.
• Sign up today at Discovercom/paperless
02010 Dixover Bank. Member FDIC
PAPER-0310
Transactions
Trans. Post
(cont.) Date Date
Interest Charged TOTAL IWEREST FOR Tt#S PERIOD $ 2016.86
2010 Totals Year-to-Date
TOTAL FEES CHARGED IN 2010 S 267.00
TOTAL INTEREST CHARGED IN 2010 1,312.06
8966465
Questions? Visit wwwAscover.com or DISCOVER
call 1-800-DISCOVER (1-800-347-2683).
Cn
O
co
Z
0
s
W
W
0
J
DOUGLAS ROSS
DISC VER iDISCOVER Account number ending in 1740
page 2 of 2
Interest Charge Calculation
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Current Wing Period: 31 days
TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE
RATE (APR) INTEREST RATE
Purchases 19.99% V $12,183.48 $206.86
Cash Advances 24.99% $0 $0
V = Variable Rate
Additional Important Informahan
See your Cardmsrnber Agreement. Your Cardmember Agreement contains all the terms of your Account.
Last or stolen cards. Report immediatelyl Call 1-800-347-2683.
What To Do K You Think You Find A Mistake On Your Stist entent
If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Sob Lake City, UT 84130-0421
In your letter, give us the following information:
Account information: Your name and account number
• Dollar amount. The dollar amount of the suspected error -
Description of Problem: If you think fhere_i;_a_n error on your bill, describe what you believe is wrong and why you believe
it is Cl mistake.
You must contact us within 60 days after the error appeared on your statement.
You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any
potential errors and you may have to 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 amount in question, or report you as delinquent on that amount.
The charge in question may remain on your statement, and we may continue to charge you interest of that amount. But, if
we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related
to that amount.
While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
We can apply any unpaid amount against your credit limit.
Your Rights If You Are Dissatisired With Your Credit Card Purchases
If vni+ are dissatisfied with :hegnnd s or ser.ice< rh ' va,, h?v? ? chr.sesd with you credtt cord, cnd you! 9 ^ Irie+f
good faith to correct the problem with the merchu,it, yuu may i)uve the right iiot to pay tf.r) remaining omou(.:
due on the purchase.
To use this right, all of the following must be true:
1 The purchase must have been made in your home state or within 100 miles of your current 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 advertisement we mailed to you , or if we own the company that sold 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 the purchase.
If all of the criteria above are met and arc still lissatisf ed with the purchase, contact us in writing at:
Discover, PO Box 30945, Sob Lake Cy« i yf , rUT 84130-0945
While we investigate, the some rules apply to the disputed amount as discussed above. After we finish our
investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we
may report you as delinquent.
Payrrrents. Send only your payment and the toppo rtion of this statement in the envelope provided. Do not send cash. By
sending your check as described above, you ruthorize us to use information on your check to make an electronic fund
transfer tram your account at the financial institution indicated on your check or to process the payment as a check
transaction. It payment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we
use information from your check to make an electronic fund transfer funds may be withdrawn from your account as soon as
the some day we receive your payment, and you will not receive your check back from your financial institution.
The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you
send the payment fo any ether address or if you use an envelope other than the one provided. Payments received in proper
form at our processing facility by 5PM local time on any day will be credited to your Account as of that day. Payments
received at our processing facilityy after 5PM local time will be credited to your Account as of the next day. If you have
misplaced your envelope, send your payment to Discover PO Box 6103 Card Stream, IL 60 1 97-6 1 03. Pease allow 7.10
days for delivery. If your payment is returned unpaid, we reserve the rig?t to resubmit it as an electronic debit.
You can pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments . Call
us at 1-800 347-2683. You will need this statement and your bank account information. You must ensure that sufficient
funds are available in your bank account, and all transactions must comply with U.S. law. You will be asked to provide the
first 5 digits of your account statement ZIP code. By entering those numbers as ur electronic signature, you wiR be agreeing
to this aufhorization to allow us and your bank to deduct each payment you authorize Fran your bank account, and to inflate
debit or credit entries to your bank account, as icable, to correct an error in the processing of such payment. You must
tell us the amount of each payment or you can select an amount such as the Minimum Payment Due or the New Balance on
each statement. You can cancel a ent; however we must receive notice at east three business days in advance of the
scheduled payment. You may noti us by phone at 1-BM347-2683 or by mail at the address listed in the prey -
Paragraph. If your payments vary in amount, we will tell you on each monthly statement when your enf .l be made
and how much d will be. Your automatic payment amount may be less than indicated on the rnonthatemerrt based on
credits or payments applied during the bi rlfngcycle.
Credit Repenting. We may report information about your Account to credit bureaus. Late payments, missed paymsnh, or
Q?f ton your Account may bs reflected in your credit report. We normally report the status and payment history of
X o credd reporting agencies each math. If u believe that our reppoorrtt rs maccuroM ar incomplete, pease write
us ot the following address: Discover, PO Box 15316, dmington, DE 1985Q5316. Please indicate your name, address,
home telephone number and Account numb»r
NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DIX EIS
Paying kderest We begin to impose Interest Charges on all transactions from the Transaction Date for the transaction shown
on your billing statement unless a transaction is posted to your Account offer the close of the billing period in which it occurs,
in which case we begin to impose interest charges on that transaction from the first day of the billinngg ppeerriod in which it is
posted to your Account. We continue to impose Interest Charges until the date you pay your entire7Vew Balance shown on
your bilging statement by maki enh or receiving credits. If you paid the Nsw Safance on your previous bill
slaMmeM 6y the Paym Due a shown on that billing statement, we well not impose interest Charges on new
y the .. flare
that is, purchases First peering on the current biAi statement, or anX portion of a new purchase, paid b;._
Date on your current baaippI?irrg1gstatement. We wY this t "grace period. It is not less than 25 There is no grace period
on balance transfers or cash advances. As more fully described in the section of your Cardmember Agreement = 'Haw
We Apply Payments," we generallyy apph' ents to your Account based on the APR applicable to the balance of each
transaction cafepory. This means thaF It you do raF pay the New Balance on the current billing statement by the Payment Due
Date shown on thhaait billing statement, Ihen, depending on the amount of your payment and the APRs on other bakwkes, you
may not get a grace period on new purchases.
Mininurn 4 do st Charge We will charge you a minimum interest Charge of $.50 for any billing period in which Interest
Charges of less than $.50 would otherwise be imposed.
Annual Fee. If your Account has an annual fee, it will be billed at the beginning of each anniversary year yyoouurr Account is
open. The amount of the fee appears on the statement when the fee is billed. The annual fee is not rerurldable unless you
notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the fee
is billed. You wig receive this refund even if you use your Card fixing that period.
How We Calculate Interest Charges Daily Balance Method (including current transactions(: We figure Interest Charges for
each billing period. To do this:
We calculate your Interest Charges separately for each balance subject to different terms (for example, standard
purchases, standard cash advances and each purchase, balance transfer and cash advance balance subject to
promationoi terms). We refer to these balances as transaction categories.
We figure the "daily balance" for each transaction category. To get the "daily balance" we take the beginning w
balance for each day, add any new transactions and Fees and any Interest Charges accrued on the previous day's 0
daily bakxrce. We then subtract any credits and payments and make other adjustments (including those Z
adjustments required in the section titled "Paying Interest"). 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 on the last day of your o
previous billing period. This gives us the dally balance for each transaction category. oC)
We figure the Interest Charges on your Account by multiplying the daily balance for each transaction category by N
its daily periodic rate, for each day in the billing period. p
• The total Interest Charges for the billing period are the sum of the daily Interest Charges for each transaction o
category for each day during that billing period.
When we calculate daily balances, we add a new transaction as of the Transaction Date shown on your billing staterrlerlt,
unless the transaction is posted to your Account after the close of the bllliq period in which it occurs, in which case the
tats Ourged to your Acci are added to the standard purchase transaction category with the exception of Cush Advar c.
Fees which are added to the applicable cash advance transaction category and Balance Transfer Fees which are added to
the applicable balance transfer transaction category.
Foreign Currency Fee: 2% of the U.S. dollar amount of each purchase made in a foreign currency.
P??y APRs Each time you fail to make a ent when due, we may, in accordance with a icable ksw, {i) termirlats the
ailability of Introductory/promotional APRs on newtransactions and (ii increase your APRs for newaansactiorls to
able Peragy APRs which will Ls determined by adding up fo an additional5ppeercentage points fo the otherwise crpplicoble
APR. Your Pena APR is determined based on your creditworthiness anal other tacMrs such as your current APRs, and your
account history. 1 your APRs for new transcctions are. increcsed far a late payment, fine PenaNy APRs will apply indefinitely.
For TDD (relecomnwnkatans Device for the DeA assistance, please cog 1-800-347-7449.
Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance
purposes.
The Discover®card is issued by Discover Bank, Member FDIC OITBK172
Informaltlon For You
* * * ATTENTION * * * Your account is seriously past due. Payment of the amount due and arrangements for future
payments should be made immediately.
8966465
Questions? Visit www.Diswver.com or DISC40VER
call 1.800-DISCOVER (1-800-347-2683).
New Balance
$12,565.61
DISCOVER
12 SDSN6A01 0005248
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Minimum Payment Due Account Number ending in 1740
$1,364.00 Enter Amount Enclosed Below
Payment hoe Date $?
October 7, 2010
Please make check payable to Discover Card.
Minimum yment due includes a due
00
Ph
d i
t
nt
f s i
117
t
,
.
one an
eme
amou
o
.
n
payments must be made by 5:00pm ET for same
day sti
ro Mit less and make your account
information more secure with password-
protected statements only you can access.
Learn more at discove cordpaperless.
PO BOX 71084 Illnrllnunllulrllu.ll
CHARLOTTE NC 28272-1084
Address, e-mail orfelepfronechange? ln,lrllulunlrllur?n,lrlnrllllnnlnlnlnllnlululrltill
Go to www.Discavw.com or print change in space above.
000001986458146742081125656100000000136400
pening Date: August 13, 2010 - Closing Dab: Se
Discover More Card Account Summary
Account number ending in 1740
Previous Balance $12,329.54
Payments And Credits 0.00
Purchases + 0.00
Balance Transfers + 0.00
Interest Charged + 211.07
Fees Charged + 25.00
New Balance 12,565.61
See Interest Charge Calculation section following
transactions for detailed APR information
Credit Line $12,500.00
Credit line Available $0.00
Cash Advance Credit Line $6,300.00
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 Cashback Bonus This Period + 0.00
Cashbock Bonus balance $ 0.00
To {cam more, log in at www.Ditcov xom
>er 12, 2010 page 1 of 2
Payment Information
New Balance $12,565.61
Minimum Payment Due' $1,364.00
Payment Due Date Odober 7, 2010
*Includes past due amount of $1,117.00
Late Payment Waning: If we do not receive your minimum
payment by the date listed above, you may have to pay a late
6&-aufs.td?..435 00 n vLm- ,4x';!"Zr1' e-rl ?Avnr,. trnWfax--
APks for new transactions maya ncreased up to fire Penalty
APR of 24.99% variable.
Minenum Payment Waning: IF you make only the minimum
payment each period, you will pay more in interest and it will
take you longer to pay off your balance. For example:
f you +ttaks na You vt?l pay alf the 7?au v l wKi ' .
'
.. t+itof 'ges kxn{?ancs?fnaairii sre ::
_ . ,r..:....,
try t Is card, iw It»6 itatbmtl[1t'Plt fialritt
pll tMYCfllft you flay abaf?.._. .. _.
Only the minimum 52 years $60,366
payment
If you would like information about credit counseling services,
call 1-800-347-1121
3 Easy Ways to Contact Us Manage Your Account Online at www.Discovercom
1 Access your account securely at www.Discovercom . Access free online tools like Paydown Planner to create a plan
2. Coll 1-800-DISCOVER (1-800.347-2683)
s
Di
d
il
bl
Pl
h to pay down your bolance securely ocoess statements, pay
k
ave your
scover
car
ava
a
e.
ease bills online and easily trac
all transactions
3. Write to us of Discover, PO Box 30943,
Salt Lake City, UT 84130 (Not a payment address)
Make your money worth morel-find sassy ways to cam
For payments, please said to address on remittance or and redeem cash rewards
Discover, PO Box 6103, Carol Stream, It 601 97-6 1 03 . NEWI Access your account securely through your
For TDD (relecommunicalions Device for the Deaf) mobile phone
assistance, please call 1-800-347-7449.
-
a
an OAK
rc'Z'c; ions
Trans. Post
Date Data
Fees Sep 7 Sep 7 LATE FEE $ 25.00
TOTAL FEES FOR THIS PERIOD
25.00
k-so est Charged INTEREST CHARGE ON PURCHASES $ 211.07
INTEREST CHARGE ON CASH ADVANCES 0.00
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 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.
• Print a paper copy of your statement anytime.
• Sign up today at Discovercom/paperless
02010 Dixo Bank, M..6c FDIC
PAPERM W
Transactions
Trans. Post
(cont.) Data Date
Intorost Charyod TOTAL rJiEREST FOR THIS PERIOD S 211.07
2010 Totals Yeamo-Date
TOTAL FEES CHARGED IN 2010 S 292.00
8966465
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DOUGLAS ROSS
DISC 'VEI It pays Account number ending in 1740
page 2 of 2
Interest Charge Calculation
Your Annual Percerhage Rate (APR) is the annual interest rate on your account.
Current Biding Period: 31 days
TYPE OF BALANCE ??U( PERCENTAGE BALANCE SUBJECT TO NIBtEST CHARGE
Purchases 19.99% V $12,431.38 $211.07
Cash Advances 24.99% $0 s0
V = Variable Rate
Additional Important 1 v6 ation
See your Cardmem6er Agreement. Your Cardmember Agreement contains all the terms of your Account
lost or stolen cards. Report immedicrWyl Call 1-800.347-2683.
What To Do N You Think You Hind A MisMke On Your Statement
If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Sak Lake City, UT 84) 30-04 2 1
In your letter, give us the following information:
Account information: Your name and account number.
Dolor amount: The dollar amount of the suspected error.
_Description of Problem.: If you think there 4.on error Qn-.yQUr bill, lfessribs what you believe is wrong and why you believe
it is a mistake.
You must contact us within 60 days after the error appeared on your statement.
You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any
potential errors and you may have to pay the amount in question.
While we investigate whether or not there has been an error, the following are true:
We cannot try to cdlect 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 to charge you interest on that amount. But, if
to determine that we made a mistake, you will not have to pay the amount in question or any interest or dher Few related
to that amount.
• While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
• We can apply any unpaid amount against your credit limit.
Your Rights N You Are Dissatisfied With Your Credit Card Purchases
it ji ; ntisf -d with the goods or . sr•:;cetith. it yoi ev rtn• r i y i11 y .ii credit card, cuui y,u a mod -
;i„r..l ,with tc correct ilte probien with th_i mercnnnt, you may r ich: ,io' io ;.,oy'he roc f? .,? esM _._
due on the purchase.
To use this right, all of the following must be true:
1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and
the purchase price must have been more than $50. (Note: Neither of these are necessary if yaw purchase was
based on an advertisement we mailed fo you or if we own the company that sold you" goods or swvsees_)
2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a
check that accesses your credit card account do not qualify.
3. You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing d:
Discover , PO Box 30945, Salt Lake City, UT 84130-0945
While we investigate, the same rules apply to the disputed amount as discussed above. Aber we finish our
investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we
may report you as delinquent.
Peryments. Send only your payment and the top portion of this statement in the onvekape provided. Do ref Bond exash. By
sending ur check os described above, you authorise us to use information on your cheek to make an electronic fund
transfer ram your account at the Financial institution indicated on your check or ro process the payment as a check
transaction. iF payment is processed os an electronic fund transfer, the transfer will be for the amount of the check. WFeen we
use information from your check to make an electronic fund transfer, funds may be withdrawn from your account ess soon os
the same day we receive your payment, and you will not receive your check back from your Financid institution.
The processing of ?o"4 ur payment may be delayed if you send cash, correspondence or other items with your payment, if you
send the payment ny other address or if you use an envelopeN other than the one provided. Payments received in proper
form at
our pr«essirg facility by 5PM kxal time on any day wi be credited to your Aeeount as of that efay. Payments
received at our processing facility a$er 5PM local time wiA be credited to your Accwmt as of the next day. if you hwe
misplaced yyoouur envelope, send your payment to Discover, PO Box 6103 Carol Stream, IL 60197 6103. Please allow 710
days For deslivery. IF your payment us returned unpaid, ws reserve the rig?it to resubmit tt as an electronic debit.
You can pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments. Col
us at 1-800 347-2683. You will need this statement and your bank account information. You must ensue that sufficient
funds are available in your bank account, and all transactions must comply with U.S. law. You will be asked to proVIC6 the
first 5 digits of your account statement ZIP code. B entering those numbers as electronic signolure, you will be agreeing
to this authorization to allow us and your bank to dyeduct each payment you authorize from your be>rrk account, and to initiate
debit or credit entries to your bank account, as applicable, to correct an error in the processing of such paymert You must
tell us the amount of each payment or you can select an amount such as the Minimum Paymenf Due or fFie Nov Balance on
each statement. You can cancel spoyme 4; however we must receive notice at least three business days in advance of the
scheduled payment. You may matt yf us by phone of 1-800.347-2683 or by mail at the address listed in the ions
pa raph. It your payments vary in amount, we will tell you on each monthly statement when Will be mae?e
amwow much d will Fie. Your automatic payment amount may be less than indicated on the myourstatement bossed on
credits or payments applied during the billing cycle.
Credit orting. We may report information about your Account to audit bureaus. Late payments, missed paymerefs, or
on your Aeeounf may be reflected in your credit report. We normally report the status and payment history of
to eredrt reporting agencies each month. If u believe that our report us maeeurate or ineomplele, please write
us at the Foflowing address: Discover, PO Box 1531 b, ilmington, DE 19854531 b. Pleaso indicate your ruarrie, address,
home telephone number and Aeeounf number
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DMO GR
Paying Interest We begin to impose Interest Charges on all transactions from the Transaction Date for the transaction shown
on your billing statemend 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 interest charges on that transaction from the first day of the bihing period in which it is
posted fo your Account. We continue M impose Interest Charges until the date you pay ur entire New Balance shown on
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may not get a grace period on new purchases.
Minimum Interest Charge. We will charge you a minimum Interest Charge of $.50 for any billing period in which lderest
Charges of less than b.50 would otherwise be imposed.
Annual Fee. If your Account has an annual fee, it will be billed at the be?inning of each anniversary year your Account is
The annual fee is not refundable unless you
ears on the statement when the fee is billed
The amount of the fee a
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our Account within 30 days of the moiling or delivery date of the statement on which the fee
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is billed. You will receive this roFunrd even if you use your Card during that period.
How We Calculate Interest Charges Daily Balance Method (including current transactions): We figure Interest Charges for
each biding period. To do this:
• We cokulate your Interest Charges separately for each balance subject to different terms (for example, standard
purchases, standard cash advances and each rwrchase, balance transfer and cash advance balance subject to
promotional terms). We refer to these balances as transaction categories.
• We figure the "daily balance" for each transaction category. To get the "daily balance" we take the beginning
balance for each dog add any new transactions and fees and any Interest Charges accrued on the previous da?s
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its daily periodic rate, for each day in the billing period. N
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The total Interest Charges for ilre biNing period are the sum of the daily Interest Charges for each transaction T
category for each day during that billing period. v
When we calculate daily balances, we add a new transaction as of the Transaction Date shown on your billing statement,
unless Ilia transaction is posted to your Account after the close of the billing period in which it occurs, in which case the
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Foreign Currency Fee: 2% of the U.S. dollar amount of each purchase made in a foreign currency.
pp????yy APRr. Each time you fail to make a payment when due, we may, in accordance with o??icable law, (i) tercninab tfre
availabil" of any?introductory/promotional APRs on new transactions and (ii irruease your APRs far new hansadions to
variable ?.nafy APRs which will be determined by adding up to an additiona?5percentoge poinh to the otherwise applicable
APR. Your Penaky APR is determined based on your creditworthiness and other factors such os your tuned APRs, and yaw
account history. If yourAPRs For new tsars?ctions are rncr6ased f? a krta-pcymed, the PenoNy APRs wall apply indefinitely.
For TDD (relecommunications Device for the NO assistance, please call t-SW347-7449.
Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance
purposes.
The Discover®card is issued by Discover Bank, Member FDIC
01TSK172
Information For You
"'" ATTENTION ' •' Your account is seriously past due. Payment of the amount due and arrangements for future
payments should be made immediately.
8966465
Questions? Visit www.Discover.com or
tali 1-800-DISCOVER (1-800-347-2683. DISCWVER
DISC- VER
New Balance :Minimum Payment Due
$12,808.71 :$1,616.00
Payment Due Date
Novwnbsr 7, 2010
12 SDSNSAO/0005249
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 170:11-1429
Account Number ending in 1740
Enter Amount Enclosed Below
$ 1 :77?
Please make check payable to Discover Cord.
Minimm payment due includes a pod due
amounut of $1,364.00. Piano and internet
payments must be made by 5:00pm ET for sane
day pOStin
GO erless and make your account
information more secure wih pasvmord-
protected statements only you can access.
Learn more at discover corNpapedess.
PO BOX 71084 11Irn11111111111111 1 1111111
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? lu?r??rr?nrlr?lurlnlrlnnllllnr?n?nlnl?nlulnlrlnll
Go to www.Discover.com or print change in space above.
000001986458146742081128087100000000161600
Date: September 13, 2010 - Closing Data: C
Discover More Card Account Summary
Account number ending in 1740
Previous Balance $12,565.61
Payments And Credits 0.00
Purchases + 0.00
Balance Transfers + 0.00
Interest Charged + 208.10
(Fees Charged + 35.00
New Balance 12,808.71
See Interest Charge Calculation section following
transactions for detailed APR information
Credit line $12,500.00
Credit Line Available $0.00
Cash Advance Credit Line $6,300.00
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 Cashback Bonus This Period + 0.00
Cashbodc Bonus Balance $ 0.00
To learn more, leg in at www.Disco~.com
3 Easy Ways to Contact Us
1 Access your account securely at www.Discovw.com
2. Call 1-800-DISCOVER (1-804347-2683)
Please have your Discovers card available
3. Write to us at Discover, PO Box 30943,
Sant Lake City, UT 84130 (Not a payment address)
For payments, please send to address on remittance or
Discover, PO Box 6103, Card Stream, IL 60197-6103
For TDD (Telecommunications Device for the Deal)
assistance, please call 1-804347-7449.
ctober 12, 2010
page 1 of 2
Payment Information
New Balance $12,808.71
Minimum Payment Due* $1,616.00
Payment Due Date November 7, 2010
*Includes past due amount of $1,364.00
Lab Payment Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay a late
.feaof up4o435.00-and your pvtchuass ood bnkinco *,.is! r
APRs for new transactions may be increased up to the Penalty
APR of 24.99% variable.
Minimum Payment Warning: If you make only the minimum
payment each period, you will pay more in interest and it will
take you longer to pay off your balance. For example:
Fyau sfetCe aa> au l.. }itry..... r _ : _. vwrllirttd.
chatxp c yltown 411
pas. t)p is card and Ihiii atalement in tratp} of
nYantfr :; '
Only the minimum 52 years $60,602
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
to _ay down your balance securely access statements, pay
billc online and easily track aR transactions
• Make your money worth more5M-find any ways to earn
and redeem cash rewards
• NEWI Access your account securely through your
mobile phone
ransa ons
Trans. Post
Date Daft
Fees Oct 7 Oct 7 LATE FEE
TOTAL FEES FOR THIS PERIOD
35.00
35.00
Interest charged INTEREST CHARGE ON PURCHASES $ 208.10
INTEREST CHARGE ON CASH ADVANCES 0.00
INTEREST CHARGE ON BALANCE TRANSFERS 0.00
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC*VER
Paperless statements mean less clutter, more convenience
Easily access up to 24 months of downloodoble, 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/papedess '.
92010 Discover Bank, MM-6, FDIC
PAPER.0310
Transactions
Trans. Post
(cont.) Dab Dab
Merest Chorgsd TOTAL INTEREST FOR THIS PERIOD S 208.10
2010 Totals Year-to-Date
TOTAL FEES CHARGED IN 2010 S 327.00
TOTAL INTEREST CHARGED IN 201 0 1.731 23
8966465
O
N
Z
0
0
0
0
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Questions? Visit www.Discover.com or DISCOVER
call 1-800-DISCOVER (1-800-347-2683.
DISC VER
It pap to DOUG AS ROSS
DISCOVER number ending in 1740
page 2 of 2
Interest Charge Calculation
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Current Billing Period: 30 days
TYPE OF BALANCE
Purchases
Cash Advances
V z Variable Rate
RA EU( L PERCENTAGE BALANCE SUBJECT TO MEREST CHARGE
R) INTEREST RATE
19.99% V $12,665.92 $208.10
24.99% $0 $0
Additional Important Information
See your Cordmember Agreement. Your Cardmember Agreement contains all the terms of your Account.
Lost or stolen cards. Report immediately! Cal 1-800347-2683.
What To Do N You Think You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84 1 30-0A21
In your letter give us the following information:
Account information: Your name and account number
Dollar amount: The dollar amount of the suspected error.
Description of Problem: If you think_thete_is_an error.on your bill, describe what you believe is wrong and why you believe
it is a mistake.
You must contact us within 60 days after the error appeared on your statement.
You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any
potential errors and you may have to 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 amount in question, or report you as delinquent on that amount.
The charge in question moy remain on your statement, and we may continue to charge you interest on that amount. But, if
we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related
to that amount.
While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
We can apply any unpaid amount against your credit limit.
Your Rights If You Are Dissatisfied With Your Credit Card Purchases
!f you, are dissatisfied wit uhs.ggoods or semicas that you hive nurchrned with vow credit card, rnd you have triad
^ good faith to correct the problem with the merchant, you may ?cw the right rot to pcr/ the remaining amours
due on the purchase.
To use this right, all of the following must be true:
1 The purchase must have been made in your home state or within 100 miles of yawn current mailing address, and
the purchase price must have been more than $50. (Note: Neither of these are necessary if your purdrose was
based on an advertisement we mailed to you , or if we own the company that sold you the goods or services.)
2. You must have used your credit cord 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 the purchase.
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:
Discover PO Box 30945, Solt Lake City, UT 84130.0945
While we investigate, the some rules apply to the disputed amount as discussed above. Aker we finish our
investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we
may report you as delinquent.
Paymarts. Send only your payment and the top ppoortion of this statement in the envelops provided. Do not send cash. By
sending yyoour check as described above, you authorize us to use information on your check to make an electronic fwd
transfer hom ur account at the financial instihdion indicated on your chreck or to proeeu the payment as a cfneek
transaction. tf payment is processed as an electronic fund tronsfer the tronsfer will be For the amount of the check. When we
use information from your check to make on electronic fund hansfer, funds may be wifhdrown from your accownt as soon as
the same day we receve your payment, and you wifl rat 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, if you
send the payment to any other address or if you use an envelope other than the one provided. Payments received m proper
farm ot our processing Facility by 5PM knot time an any day will be credited to r Account as of that day Payments
received at our processug (aednly alter SPM local time will be credited to your Account as of the need day If you have
misplaced your envelope, send your payment to Discover, PO Box 6103 Corot Sheam, Il 60197.6103. Phase aflow 7.10
days For delivery. IF your payment ns unturned unpaid, we reserve the right to resubmit t as an electronic debit.
You can pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments. Call
us at 1-800 347-2683. You will need this statement and your bank account information. You must ensure that sufficient
funds are available in your bank account, and all transactions must comply with U.S. low. You will be asked to provide the
first 5 digits of your account statement ZIP code. By entering those numbers as your electronic signature, you wit be agre
to this authorization to allow us and your bank to deduct each payment you authorize from your bank acawnt, and to initiate
debit or credit entries to your bank account, as applicable, to correct an error in the processing of such poyrned. You must
tell us the amount of each payment or you can select an amount such as the Minimum Payment Due or the New Balance on
each statement. You can cancel a ant; however we must receive notice at least three business days in advance of the
scheduled payment. You may noti us hay phone at 1-804347-2683 or by mail at the address listed in the
parograph. IF your payments vary in amount, we will tell you on each monthly statement when your will be made
and how much it wiR be. Your automatic payment amount may be less than indicated on the month art based on
credits or payments applied during the bi iAing cycle.
Credit . We may report information about your Account to credit bureaus. Late payments, missed payments, or
on your Account may be reflected in your credit report. We normally report the status and payment history of
credR reporting agencies each month. IF you believe that our report is inaccurate or incompkde, Please writs
us at the following address: Discover PO Box 15316, Wilmington, DE 198545316. Please indicate your name, address,
home telephone number and Account number
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DIISCOWIZ
Paying Interest We begin to impose Interest Charges on ail 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 interest charges on that transaction from the first day of the billing period in which it is
posted ro your Account. We continue ro impose Interest Charges until the date you pay your entire New Balance shown on
your billing statement by makin? payments or receiving credits. IF you paid the New Balance on your previous bilkInterest Charges on new ,
a new purchase, paid by the ayment Due
Date on your current billing statement. We call this the "grace period. It is not less than 25 daayys. There is no 9racs perod
on bakmce transfers or cash advances. As more fully described in the section of your Cardmember Agreement tided "How
We Apply Payments," we generallyy apply ants ro your Account based on the APR a icable to the balance of each
fronsaction category This means flat if you do not pay the New Balance on the current billing statement by the Payment Due
Dote shown on at billing statement, then, depending on the amount of your payment and the APRs on other balances, you
may not get a grace period on new purchases.
Minimum a"est Chaarrgges We will charge you a minimum Interest Charge of $.50 for any billing period in which Interest
Charges of less than S.50 would otherwise be imposed.
Annual Fee. If your Account has an annual fee, it will be billed at the beginning of each anniversary ye?ar yyoour Account is
open. The amount of the fee appears on the statement when the fee is billed. The annual fee is not rehnndable unless you
notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the fee
is billed. You will receive this refund even if you use your Card during that period.
How We Calculate Merest Charges Daly Balance Method (including current transactions): We figure Interest Charges for
each billing period. To do this:
We calculate your Interest Charges separately for each balance subject to different terms (for example, standard
purchases, standard cash advances and each purchase, balance transfer and cash advance balance subject to
promotional terms). We refer to these balances as transaction categories.
We figure the "daily balance" for each transaction category. To get the "daily balance" we take the beginning m
balance for each day, add any new transactions and fees and any Interest Charges accrued on the prevous day's
daily balance. We then subtract any credits and payments and make other adjustments (including se Z
ad'ushnenfs required in the section tided "Paying Interest"). 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 on the last day of your
previous billing period. This gives us the daily balance for each transaction category. S
• We figure the Interest Charges on your Account by multiplying the daily balance for each transaction category by
its daily periodic rate, for each day in the billing period. P
• The total Interest Charges for the billing period are the sum of the daily Interest Charges for each transaction n
category for each day during that billing period.
When we calculate daily balances, we add a new transaction as of the Transaction Date 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
_. _.?__ tremsc+rtzssn •.ii(Fhe adde?o the daily balance osef Itio-fi <t-day of !!,e biN»igper+?xi;n w?+eh +i > asked to yew t+.conr'. .11h - -
fees charged to your Account are added to the standard purchase transaction category a: ith the exception of Cash Advance
Fees which are added to the applicable cash advance transaction category and Balance Transfer Fees which are added to
the applicable balance transfer transaction category.
Foreign Currency Fee: 2% of the U.S. dollar amount of each purchase made in a foreign currency.
Penalty APRs: Each time you fail to make a payment when due, we may, in accordance with applicable law, IQ terminate the
availability of any inhoductory/promotional APRs on new transactions and (ii) increase your APRs For new tramaclions to
variable Penalty APRs which will be determined by adding up ro an additional 5 perc "it points to the otherwise applicable
APR. Your Pena APR is determined based on your creditworthiness and other favors such as your current APRs, and your
account hista-y. your APRs for new transactions are inc. eased far a late payment. the Penalty APRs will apply indefinitely.
For TDD (ielecommiwnicafions Device for the Deal) assistance, please call 1-800.347-7449.
Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance
purposes.
The Discover®card is issued by Discover Bank, Member FDIC 01T8K172
Information For You
When making payments, please send a check with your payment coupon to the address we provided on your statement.
This will help you avoid additional interest charges and/or late payments, as it can take additional time to process and
credit cash payments and payments sent to a different address. The Additional Important Information section on your
statement provides specific details.
• • • ATTENTION "" Your accent is seriously past due. Payment of the amount due and arrangements for future
payments should be made immediately.
8966465
Questions? Visit www.Discover.com or DISCOVER
call 1-800-DISCOVER (1-800-347-2683)
New Balance Minimum Payment Due Account Number ending in 1740
DISCOVER $0.00 $2,135.00 Enter Amount Enclosed Below
Payment Due Dote
December 25, 2010
30 SDSN6A01 0005250
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Go paperless and make your accour t
informatbn more secure with password
protected statements only you can access.
Leam more at discover caNpaperless.
PO BOX 6103 I11 1asIIIrars1611111 lrrIII
CAROL STREAM IL 60197-6103
Address, e-mail or telephone change? I.I1..1h. ?uIIIII I IIIIuu?llllnnIIIIIIurnIII I II I II
Go to www.Discover.cam or print change in space above.
000001986458146742081000000000000000213500
)psning Date: November 13, 2010 - dosing Date: P
Discover More Card Account Summary
Account number ending in 1740
Previous Balance $13,062.98
Payments And Credits 13,062.98
Purchases + 0-00
Balance Transfers + 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 $12,500.00
Credit Line Available $0.00
Cash Advance Credit Line $6,300.00
Cash Advance Credit Line Available $0.00
Coshbock Bonue Anniversary Month
June
Opening Cashback Bonus Balance $ 0.00
New Cashback Bonus This Period + 0.00
I Cashba& Bonus Balance $ 0.00 I
fl To team more, log in of wwwr.Discover.com
lovember 30, 2010 page 1 of 2
Payment Information
New Balance $0.00
Minimum Payment Due $2,135.00
Payment Due Date December 25, 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 transacts-s mray be increased un to the Penalty
Manage Your Account Online at www.Viscover.com
• Securely access statements and free online tools, pay bills
online and hack and view all transactions simply and easily
• Make your money worth moreSM -find easy ways to earn
and redeem cash rewards
• NEWT Access your account securely through your
mobile phone
3 Easy Ways to Contact Us
1 Access your account securely at www.Disa~.cam
2. Call 1-8004NSCOVER (1-800.347-2683
Please have your Discoverer card available.
3. Write to us at Discover PO Box 30943,
Salt Lake City, UT 84130 (Not a payment address)
For payments, please send to address on remittance or
Discover, PO Box 6103, Card Stream, IL 60 1 97-61 03
For TDD (Telecommunications Device for the Deaf)
assistance, please call 1$00.347-7449
Transactions
Trans. Post
Date Date
Payments and Credits Nov 30 Nov 30 INTERNAL CHARGE-OFF $ 13,062.98
Fees TOTAL FEES FOR THIS PERIOD $ 0.00
Interest Charged TOTAL N EREST FOR-THIS PERIOD _ $ 0.00
2010 Totals Year-to-Date
TOTAL FEES CHARGED IN 2010 $ 362.00
TOTAL INTEREST CHARGED IN 2010 1.950.50
8966465
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER
Paperless statements mean less clutter, more convenience
Easily access up to 24 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.
• Print a paper copy of your statement anytime.
• Sign up today at Discovercom/paperless
02010 Dixon Bank, Member FDIC PAPER 03 10
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Questions? Visit www.Diswver.com or D'?.vE?
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DISC VER
It pot's to AD
WCOVEK number ending in 17,40
page 2 of 2
Interest Charge Cakulation
Your Annual Percentage Rate APR) is the annual interest rate on your account.
Current Billing Period: 18 days
TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO IMEREST CHAAWA INTERIE15T RATE
Purchases 19.99% V $0 $0
Cash Advances 24.99% $0 s0
V = Variable Rate
Additional Important Information
See your Card member Agreement. Your Cardmember Agreement contains all the terns of your Account.
Lost or stolen cards. Report immediately! Cal 1-800-347-2683.
What To Do K You Think You Find A Mistake On Your Statement
IF you think there is an error on your statement, write to us at: Discover, PO Box 30421, Sale Lake City, UT 84130-0,421
In your letter, give us the Following information:
Account information: Your name and account number
Dollar amount: The dollar amount of the suspected error.
Description of Problem: If you think there is an error onyour big, describe what you believe is wrong and why you believe
it is a mistake.
You must contact us within 60 days after the error appeared on your statement.
You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any
potential errors and you may have to pay the amount in question.
While we investigate whether or not there has been on error. the following are true:
• We cannel try io collect the amount in question, or report you as delinquent on that amount.
The charge in question ma remain on your statement, and we may continue to charge you interest on that amount. But, if
we determine Nat we made a mistake, you will not have to pay the amount in question or any interest or other fees related
to that amount.
While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
We can apply any unpaid amount against your credit d.
Your Rights If You Are Dissatisfied With Your Credit Card Punehases
r ere dissatis6d wit¢ ie g?ods or services that ,am hcrurr? aed .'tint d got ?•.' 1 m , ' r?s ;a.'•
r„«th ;ax i:orrsrr r'iie problo-i witi; iwrn"t:iarit, y ?37Pu,, iiuw the righT c, H? p: , :!f *errmnini r a -v.. _
due on the purchase.
To use this right, all of the Following must be true:
I The purchase must have been mode in your home state or within 100 miles of your current mailing address, and
the purchase price must have been more than $50. (Nab: Neither of these are necessary if yore purchase was
based on an advertisement we mailed to you , or if we own the company that sold 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 the purchase.
If oll.of.tle.criteria above.are.met. and amstill dissatisfied with the purchase, contact us in writing at:
Discover PO Box 30945, Sag Lake Ci yy,, UT 84130-0945
While we investigate, the some rules apply to the disputed amount as discussed above. After we finish our
investigation, we will tel you our decision. At that point, 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 send cash. By
sending your check as described above, you authorize us to use information on your check to make an electronic hind
transfer from yyoouur account at the financial institution indicated on your check or to process the payment as a check
transaction. It payment is processed as an electronic fund transfer, the transfer will be for the amount of the check- When we
use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as
the same day we receive your payment, and you will not receive your check back From your financial institution.
The processing of your payment may be delayed if you send cash, correspondence or other itemth your poyrrent, if you
send the payment o anyy other address or if you use an envelope other than the one provided. P;; s received in proper
Porn at our pracessing facility by SPM local time on any toy wiN be credited to your Account as of Neat day. Payments
received at our pracass rrrg locrlily after SPM local Nme wiN be credited ro your Account as of the next day If you lava
misplaced r envelope, send your payment to Discover, f'O Box 6103 Carol Stream, IL 601 97-01 03. Pleaes aNow 7.10
days For de ivory. IF your payment is retuned unpaid, we reserve the rigout to resubmit it as an electronic debit.
You can pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments. Call
us at 1-800 347.2683. You will need this statement and your bank account information. You must ensure that sufficient
Funds are available in your bank account and all transactions must cony with U.S. low. You will be asked to povk6 the
first 5 digits of your account statement ZIO code. Byy entering those numbers as your electronic sigg?ure, you wig be agreeing
to this authorization to allow us and your bank to deduct each payment you authorize from your bank account, and to initiate
debit or credit entries to ur bank account, as applicable, to correct an error in the processing of such payment . You must
tell us the amount of eoc payment or you can select an amount such as the Minimum Payment Due or the 1Vaw Balance on
each statement. You can cancel a _ e 0; however vro must receive notice at least three business days in advance of Ne_
scheduled payment. You may rote us by phone at 1-800.347-2683 or by mail at the address listed in the -
paragraph. It your payments vary in amount, we wil tell you on each monthly statement when your wig be made
and how much rt will Z. Your automatic payment anount may be less than indicated on the month statement based on
credits or payments applied during the lei ong cycle.
Credt Reporting. We may report information about your Account to credit bureaus, late payments, missed payments, or
fp?t$ on y<xrr Account may be reflected in your credit report. We normally report thre status and payment hnsbry of
fi?0?to credit reporting agencies each north. If u believe that our report rs in«curote or incompkb, please write
us at the foNowirg address: Discover. PO Box 15316, dmington, DE 19850.5316. F'leose indicate your name, address,
home telephone number and Aeeount number.
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION Vl.7 OM
Paying lnbirw* We begin to impose Interest Charges on all transactions From the Transaction Date for the transaction shown
on your billing statement, unless a transaction is posted to your Account after the dose of the billing period in which it occurs,
in which case we begin to impose interest charges on that transaction from the first day of the billing in which it is
posted to your Account. We continue to impose Interest Charges until the date yyoouu pay your entireNow Balance shown on
your bigi statement by making payments or receiving credits. IF you paid the tJew Balance on your previous bill
statement the Payment Due Date shown on that billing statement, we will not impose Interest Charges on neW
that is, purchases First appearing on the current billing statement, or any portion of anew purcho paid by the oyment Due
Date on your current bill statement. We call this the "grace period. It is not less than 25 days There is no 0rac .parrod
on balance transfers or cash advances. As more Fully des cribed in the section of your Cardmember Agreement Red How
ply no to your Account based on the APR applicable to die balance of each
We Apply Payments," we 1=11,u
transaction category. This f you do not pay the New Balance on the current lei ing statement by the Payment Due
Date shown on that billing statement, then, depending on the amount of your payment and the APRs on other balances, you
may not get a grace period on new purchases.
Minimum Mwest Charge We will charge you a minimum Interest Charge of $.50 for any billing period in which interest
Charges of less than 530 would otherwise be imposed.
Annual Fee. If your Account has an annual fee, it will be billed at the inning of each anniversary year yob Account is
open. The amount of the fee appears on the statement when the fee is b. Tiro annual fee is not re(undabls armless you
notify us that you wish to claae your Account within 30 days of the mailing or delivery date of the statement an which the fee
is billed. You will receive this refund even if you use your Cord during that period.
How We Catenate inbrest Charges Davy Balance Method ("ding current transactions): We figure Interest Charges For
each billing period. To do this:
• We calculate your Interest Charges separately for each balance subject to different terms (for example, standard
purchases, standard cash advances and each purchase, balance transfer and cash advance balance subject to
promotional terms). We refer to these balances as transaction categories.
We figure the "daily balance" For each transaction category. To get the "daily balance" we take the begirening m
balance for each day add any new transactions and fees and any Interest Charges accrued on the prse day+s o
daily balance. We then subtract any credits and payments and make other adjustments (including tlwse n
?s z
adjustments required in the section tided "Paying Interest"). In calculating the dail y balance Far the first day of the y
billing period, we consider the "previous day's daily balance" to have been your balance on the last day of your g
previous billing period. This gives us the daily balance for each transaction category. o0
We figure the Interest Charges on your Account by multiplying the daily balance for each transaction category by N
its daily periodic rate, for each day in the billing period.
The total Interest Charges for the billing period are the sum of the daily Interest Charges for each transaction N
category for each day during that billing period. w
When we calculate daily balances, we add a new transaction as of the Transaction Date shown on your billing statement,
unless the transaction is poled to your Account after the close of the bil' period in which it occurs, in which case the
' tSf.3r - _ _ a+ `v > : .. -4 3rz of ui
? ?%?. f? 6 ,.,.,.....
hies cfwraed to your Account are added to the standard purchase transaction category v.rur the exception o? Gush siavr.nc6
Fees whic are added to the applicable cash advance transaction category and Balance Transfer Fees which are added to
the applicable balance transfer transaction category.
Foreign C errancy Fee: 2% of the U.S. dollar amount of each purchase made in a foreign currency.
Penalty APRs: Each time you fail to make a payment when due, we may, in accordance with applicable law, (i) terminate the
availability of any introductory/ omotional APRs on new transactions and (ii increase your APRs for now transactions to
variablePenalty APRs which win be determined by adding up to an ad itionN percentage points to the otherwise applicable
APR. Your Pena APR is determined based on your crec it vorthnnws and other fadom such as your current APRs, and your
account history I your APRs for new transactions are increased for a tale. Payment, the Penalty APRs wig apply indefinitely.
For TDD (Telecommunications Device for the Deaf) assistance, please call 1-NO-U7-7449.
Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance
purposes.
The Discover®card is issued by Discover Bank, Member FDIC
8966465
OITBK 172
Questions? Visit www.Discover.com or DISCOVER
call 1-800-DISCOVER (1-800-347-2683).
DISCOVER
New Balance Minimum Payment Due
$13,062.98 $13,062.98
Payment Due Date
January 10, 2011
15 SDSN6A01 0006452
DOUGLAS ROSS
SERLA ROSS
510 LAMP POST LN
CAMP HILL PA 17011-1429
Account Number ending in 1740
Enter Amount Enclosed Below
Please make check payable to Discover Card.
Minimum payment due includes a past due
amount of $2,135.00. Phone and interest
payments must be made by 5:00pm ET for some
day sti
?o paa&dess and make your account
information more secure with password-
protected statements only you can access.
Learn more at discovercomfpaperless.
PO BOX 6103 Illrrrll"""11'1'1rrlrrll
CAROL STREAM IL 60197-6103
Address, e-mail or telephone change? 1i11ullwnrlllrlulurli?lnnrllllrnnllilluinllnlnll
Go to www.Discover.com or print change in space above.
000001986458146742081130629800000001306298
Opening Date: December 1, 2010 - Closing Date: December 15, 2010 page 1 of 2
Discover More Card Account Summary
Account number ending in 1740
Previous Balance $13,062.98
Payments And Credits 0.00
Purchases + 0.00
Balance Transfers + 0.00
.I Cosh Auvarwda + 0.00
Interest Charged + 0.00
Fees Charged + 0.00
New Balance -X3,062.98
See Interest Charge Calculation section following
transactions for detailed APR information
Credit Line $12,500.00
Crod t-Line Available S0.00-
Cash Advance Credit Line $0.00
Cash Advance Credit Line Available $0.00
Cashback Boi Anniversary Month
June
Opening Cashback Bonus Balance $ 0.00
New Cashback Bonus This Period + 0.00
CodAmck Bonus balance $ 0.00
To learn more, log in at www.Discover.com
3 Easy Ways to Contact Us
1 Access your account securely at www.Disco~ com
2. Cat 1-800-DISCOVER (1-800.347.2683)
Please have your Discovers card available.
3. Write to us at Discover, PO Box 30943,
Salt Lake City, UT 84130
For TDD (Telecommunications Device for the Deof)
assistance, please call 1-800-347-7449.
Transactions
Trans. Post
Date Date
TOTAL FEB FOR THIS PERIOD $ 0.00
Interest Charged TOTAL INTEREST FOR TFRS PERIOD $ 0.00
2010 Toi Year-to-Date
TOTAL FEES CHARGED IN 2010 $ 362.00
TOTAL INTEREST CHARGED IN 2010 1,950.50
Payment Information
New Balance $13,062.98
Minimum Payment Due* $13,062.98
Payment Due Date January 10, 2011
*Includes post due amount of $2,135.00
Lab Payment Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay a late
fee of up to $3.1.00 and wmr pri+chaw nn4 :--oZa n transfer
APRs for new transactions may oe increased up to rtw i malty
APR of 24.99° variable.
Minimum Payment Warning: If you make only the minimum
payment each period, you will pay more in interest and it will
take you longer to pay off your balance. For example:
f you make no You ma payoff tho A?.y?+ W111 end
tionol c)wrgas balance showy on t.pPi?ngan
ing this cord and this statement in i0knoted fated of.
Ch month you pay. aboul,
Only the minimum 15 years $13,063
payment
If you would like information about credit counseling services,
call 1-800-347-1121
Manage Your Account Online at www.Discover.com
• Access free online tools like Paydown Planner to create a plan
to pay down your balance, securely access statements, pay
bills online and easily track all transactions
• Make your money worth moresm-find easy ways to earn
and redeem cash rewards
• NEW{ Access youraccount securely through-your
mobile phone
iContinued on reverse side. DISCOVER
I
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.
• Print a paper copy of your statement anytime.
• Sign up today at Discovercom/poperless
? i€+2010 Discover Bonk, Member FDN=
I
PAPER.0310
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8966465
Questions? Visit www.Discover.com or
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FlIKO 1TU
It pays to DOUGLAS ROSS
Account number ending in 1740
page 2 of 2
Interest Charge Calculation
Your Annual Percentage Rate (APR) is the annual interest rote on your account.
ANNUAL PERCENTAGE
Current Biling Period: 15 days RATE (APR)
Purchases 19.99% V
Cash Advances 24.99%
V = Variable Rate
BALANCE SUBJECT TO INTEREST CHARGE
INTEREST RATE
$0 $0
$0 $0
Additional Important Infonnalion
Important Information. B there is more than one page to this billing statement, see the back of each page For additional important information.
See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account.
Lost or stolen cards. Report;mmediolely! Call 1-800-347-2683.
What To Do Of You Thirds You Find A Mistake On Your Statement
11 you think there is on error on your statement, write to us at: Discover, PO Box 30421, Sall Lake City, UT 84130-0421.
In your letter, give us the following information:
Account information: Your name and account number.
Dollar amount. The dollar amount of the suspected error.
Description of Problem: N you think there is an error on your bill, describe what you believe is wrong and why you believe 0 is a mistake.
You must contact us within 60 days after the error appeared on your statement.
You must noHfy us of any potential errors in wriling. You may callus, bul if you do we are not required to investigate any potential errors and you may have to
pay the amount in question.
While we investigate. wheiher-or. riot tbare. bas been an error. the following are true_
We cannot try b collect the amount in question, or report you as delinquent on that amount.
The charge in qquestion may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a
mistake, you will not have to pay the amount in question or any interest or other fees related to that amount.
While you do not have b pay the amount in question, you are responsible for Ate remainder of your balance
We can apply any unpaid amount against your credit limit.
Your Rights N You Are Dissatisfied With Your Crec& Cord Purchases
If you are dissatisfied with the goods or services that you have purchosed with your credit card, and you have 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 purchase.
To use this right, all of On following must be true:
I. The purchase must have been mode in your home state or within 100 miles of your current mailing address, and the purchase price must hove
been more than $50. (Note: Neither of these are necessary 4 your purchase was based on on advertisement we mailed b you or A we own
the company Anal sold you the goods or services I
i 2. You must have used your credit card far 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 the purchase.
:1 J1 of :he criterta above are met and you are s.iii o,a 04fied with the "'u-1-c' D6.-over. PO Box J02ti5.
Sail Lake City, UT 841300945
While we investigate, the same rules apply to the disputed amount as discussed above. After we Finnish our investigation. we will tell you our
decision. At that point, if we think you owe on amount and you do not pay we may report you as delinquent.
Payments. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your check as described
-above, you audsor m us to use information on your check to make an electronic Fund transfer from your account at the Bnatciol institution kidicored on your
,check a to process the payment os a check Ironsaction. IF poymenl is processed as an electronic fund transfer, the transfer will be far the amount of the check.
When we use information from your check b make an electronic Fund transfer, funds may be withdrawn From your account as soon as the some day we receive
,your payment, and you will nat receive your check back from your Financial institution.
The processing d your payment may 6e delayed iF you send cosh, correspotsdence a other items with your payment, iF you send Ase payment b airy ather
address a B you use an envelope oAter Than Ate one provided. Payments received in proper form d our pr«essmg featly by SPM bcol lime on any day will
- 6e credited to your Account as of that day. Payments received o1 our?rocessitg Jac,Tily after SPM I«al time will be credited b your Account os of the next
,day. If you hove misplaced your envek>pe, send your payment b Discover, PO Box 6103, Carol Strmm, IL 60197L703. Please allow 7-10 Boys for delivery.
If your payment is return eat unpa d, we resmve the right to resubmit B as an electron c Beta 1.
You can pay your mininxsm payment or a greater amount over the telephone, and you can set up oulomolic payments. Coll us of 1$011347-2683. You will
'need this statement and your bank account information. You must ensure that sufficient funds are available in your bank account, and all trons«tions must
,comply with U.S. law. You will be asked to provide the first 5 digits of your account statement ZIP code. By entering those numbers as your electronic
ignalure, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize from your bank occount, and to initiate
debit a credit entries b your bank ount, "'0 pplicable, to correct an enor in the prOcessing of such payment You must cell us Ale amount d each payment
Or you con select on amount such as the Minimum Payment Due or Ate New r on each statement. You can cancel a payment; however vie must receive
ndke at least three businxss Boys in advatce ol the scheduled payment. You 7m edify uby planed 1-800.347-2683 or by mall at the address listed in Ile
previous paragraph. If your poymenn vary in amount, vas will tell you on each nthly statement
when your payment will be mode and law m«h B will be.
Your automolic payment amount may be less than indicated on the monthly stant based on credits or payments applied during the billing cycle.
Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account
may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. B you
,believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 1 985053 1 6. Please
indicate your name, address, home telephone number and Account number.
:Paying Interest- We begin to impose Interest Charges on all transactions from the Transaction Dow for the transaction shown on your billing statement,
!unless a Ironsoction is posted to your Account after the close of the billing period in which it Occurs, in which case we begin b impose intere9 charges on that
;tronwctfen from the First day of" billing period in which It is posted to your Account. We conti2e b impose Interest Charges until the date you pay your
:entire New Balance shown on your billing statement by making Payments or receiving credits. If you paid the New balance on your previous billing statement
by the Payment Due Dab shown on that billing statement, we wi I not impose Interest Charges on new purchases, that is, purchases first appealing on the
current billing statement, or any portion of a new purchase, paid by the Payment Due Dale on your current billing satemenl. We call this the 'grace period. It
is not Less than 25 days. There is no grace period on balance transfers or cash advances. As more Fully described in Ilse section of your Cordmember
,Agreement tided 'How We Apply Payments, we generally apply payments to your Account based on the APR applicable to the balance of each transaction
,category. This means "I if you do not pay the New Balance on the current billing statement by the Payment Due Dole shown on that billing statement, then,
depending on the 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 S_50 for any billing period in which Interest Charges of less than E 50
;would otherwise be imposed.
Annual Fee. If your Account has an annual fee, it will be billed at the be?inn ng of each anniversaryry year your Account is open. The amount of The Fee
:appears on the statement when the fee is billed. The annual fee is not refundable unless you notify us Ihot you wish to close your Account within 30 days of the
mailing or delivery date of the statement on which the lee is billed. You will receive this refund even h you use your Card during that period.
iHow We Calculate Interest Charges Daily Balance Method (including current transadions): We figure Interest Charges for each billing
,period. To do this
We calculate your Interest Charges separately for each balance subject to different terms (for example, standard purchases, standard cash
advances and each purchase, balance transfer and cosh advance balance subject to promotional terms). We refer to these lsobrsces as
I transaction categories.
? ?Sitre the 'daily balance' For each transaction category. Toni the "doily balance" we take the beginning balance far each day, odd any
8966fk0atnsactian and fees and any Interest Charges accrued on 1previous days daily balance. We then subtract any credits and payments and
make other adjustments (including those adjustments required in the section tiled 'Paying InleresP). In calculating the daily balance lot the first
day of the billing period, we consider the 'previous day's doily balance' to have been your balance on the last day of your previous billing
.
period. This gives us the daily balance tar each transaction category
: We figure the Interest Charges on your Account by multiplying the daily balance for each transaction category by its doily periodic rate, for each
day in the billing period.
The total Interest Charges for the billing period are the sum of the doily Interest Charges for each transaction category for each day during thaat
billing period.
When we calculate daily balances, we add a new transaction as of the Transaction Dote shown on your billing statement, unless the transaction is posted to
our Account after the close of the billing period in which it Occurs, in which case 16 transaction will be added to the daily balance as of the first day of the
[billing period in which it is posted to your Account. AN Fees charged to your Account are added to the standard purchase transaction category with the
,exception of Cash Advance Fees which are added to the applicable cash advance transaction category and Balance Transfer Fees which are added to she
iapplic able balance transfer transaction caegory.
Continued on reverse side. DISC*VER
Foreign Currency Fee: 2% of the U.S. dollar amount of each purchase made in a foreign currency.
Penalty APRs: Each time you Fad to make o payment when due, we may, in accordance with applicable low, li) terminate the availability of any
introductory/promolional APRs on new transactions, and (ii) increase your APRs for new transactions to variable Penalty APRs which will be determined by adding
up to an additional 5 percentage points to the otherwise applicable APR. Your Penalty APR is determined based on your creditworthiness and oiler factors such
as your current APRs, and your account history. If your APRs for new transactions are increased far o lose poymenl, the Penalty APRs will apply indefinitely.
For TDD )Telecommunications Device for the Deal) assistance, please call 1-800-347-7449.
Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurarsce purposes.
The Discovert9 card is issued by Discover Bank, Member FDIC OITBK 172
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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 TL221-1.0210
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CARDMEMBER AGREEMENT
Please read this Agreement carefully before using your Discovers Card
Account It contains the terms and conditions of your Account, some of
which may have clanged from earlier materials provided to you. In the
event of any differences, this Agreement shall control. We respect your
privacK See the Privacy section on page 10 and our Privacy Policy for
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includes a waiver of a number of rights, including the right to a jury trial.
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The Right to Reject Arbitration section on page 13 descr
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you must follow if you desire to reject the Arbitration of Dispu tes section.
DEFINITIONS ............................................ ....... 2
USING YOUR ACCOUNT .................................. ....... 2
Your Acceptance of this Agreement .................... ........ 2
Permitted Uses of Your Account ....................... ........ 2
Prohibited Uses of Your Account ....................... ........ 2
Purchases and Cash Advances in Foreign Currencies ....... ........ 3
Cash Advances ...................................... .........3
Balance Transfers .................................... ........ 3
Credit Authorizations ................................ ........ 3
Authorized Users .................................... ........ 3
Unauthorized Use ................................... ........ 3
Your Credit Lines .................................... ........ 4
CHANGES TO THIS AGREEMENT ........................... ........ 4
MAKING PAYMENTS ..................................... ........ 4
Promise to Pay ...................................... ........ 4
Monthly Billing Statement ............................ ........ 4
Monthly Payment Options ............................ ........ 5
Automatic Billing Arrangements ....................... ........ 5
How We Apply Payments ............................. ........ 5
Minimum Monthly Payment .......................... ........ 5
Skip-A-Pa ment Offers ............................... ........ 5
Credit Balances ...................................... ........ 5
FINANCE CHARGES ...................................... ........ 6
How We Calculate Periodic Finance Charges ............. ........ 6
How We Calculate Your Balances ...................... ........ 6
Variable Interest Rates ................................ ........ 7
Default Rate ........................................ ........ 7
Cash Advance Transaction Fee Finance Charges .......... ........ 8
Balance Transfer Transaction Fee Finance Charges ........ ........ 8
Foreign Currency Transaction Fee Finance Charges ....... ........ 8
Minimum Finance Charge ............................. ........ 8
Account Set-up Fee Finance Charge .................... ........ 8
FEES ................................................... ........ 8
Annual Fee ......................................... ........ 8
Late Fee ............................................ ........ 9
Returned Payment Fee ............................... ........ 9
Returned Discover Card Check Fee ..................... ........ 9
Pay-By-Phone ....................................... .........9
Research Fee ........................................ ........ 9
DEFAULT AND CANCELLATION ............................ ........ 9
Types of Default ..................................... ........ 9
Consequences of Default ............................. ........ 9
Cancellation ........................................ ........ 9
PRIVACY AND OUR COMMUNICATIONS WITH YOU .......... ....... 10
Our Privacy Policy .................................... ....... 10
Reporting to Credit Reporting Agencies ................. ....... 10
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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 Sdiedule" means the document accompanying your Card and
listing the Finance Charge rates that apply to your Account. The Pricing
Schedule is part of this Agreement.
"Vile," 'us" and "our' refer to Discover Bank, the issuer of your
Discover Card.
"You,' 'your" or 'yours' refer to, in addition to you, the Cardmember, any
other person or persons who are also contractually liable under this
Agreement.
USING YOUR ACCOUNT
Your Acceptance of this Agreement The use of your Account or a Card by
you or an Authorized User, or your failure to cancel your Account within 30
dayyss after receiving a Card, means you accept this Agreement, including the
Arbitration of Disputes section on pa ?e 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.
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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 S.
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 means of a coupon after the expiration date.
Credit Authorizations. Certain transactions will require our authorization
prior to completion. In some cases, you may be asked to provide
identification. We have the right not to authorize a transaction for security
or other reasons. Also, if our authorization system is not working, we may
not be able to authorize a transaction. We will not be liable to you if any
of these events happen.
Authorized Users. If you want to cancel the authority of a current
Authorized User to use your Account or a Card, you must notify us and
destroy any Card in that person's possession. You can noti us by
telephoning 1-B00-DISCOVER (1.800-347-2683), or by writing Discover,
PO Box 30943, Salt Lake City, UT 84130-0943. None of your rights under this
Agreement (other than to pay amounts owed) may be exercised by any
person not a 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 14MISCOVER
(1-800.347-2683), or by writing Discover, PO Box 30943, Salt Lake City, UT
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84130-0943. You agree to assist us in determining the facts relating to any
theft or possible unauthorized use of your Account or a Card and to comply
with such procedures as we may require in connection with our invest-
igation.
Your Credit Lines. We will advise you of your Account credit line. We may
impose a lower line that will apply to cash advances, referred to as the cash
advance credit line. We may also impose a lower line that will apply to
balance transfers, referred to as the balance transfer credit line. You agree
not to allow your unpaid balance, including Finance Charges and fees, to
exceed your Account credit line. If you exceed your Account credit line, we
may request immediate payment of the amount by which you exceed your
Account credit line.
We may increase or decrease your Account credit line, your cash advance
credit line or your balance transfer credit line without notice. The credit
available for your use may, from time to time, be less than your Account
credit line. For purposes of determining your available credit, we reserve
the right to postpone for up to 15 business days reducing your unpaid
balances by the amount of any payment that we receive. Your available
credit will not be increased by the amount of any credit balance.
CHANGES TO THIS AGREEMENT
From time to time, we may, to the extent permitted by law, change any
term of this Agreement, including, but not limited to, any finance charge
rate, fee or method of computing any balance upon which the finance
charge rate is assessed, or add or delete any term to this Agreement We
will give you notice of the change in the time and manner required by law,
which includes 454lays advance written notice in some circumstances. In
addition, to the extent required by law, we will offer you the nhty
to reject a change. For example, law requires, with certain exc ons, that
we offer you the opportunity to reject an increase in a late fee or the
elimination of a grace period prior to the effective date of the change. If
you reject a thange in accordance with the instnsctions in the notice
provided, we wIH dose your Account and you will no longer be able to use
it for further transactions. You can then pay the remaining balance under
the unchanged term.
We may also change any tern of any product, service or benefit offered in
connection with your Account We vh4N notify you as required by law or
by the terms of the product service or benefit
MAKING PAYMENTS
Promise to Pa You agree to pay us in U.S. dollars for all purchases, cash
advances and balance transfers including applicable Finance Charges and
other charges or fees, incurred by you or anyone you authorize or permit
to use your Account or a Card, even if you do not notify us that others are
using your Account or a Card. If you pay us in other than U.S. dollars, we
may refuse to accept the payment or charge your Account our cost to
convert your payment to U.S. dollars. All checks must be drawn on funds on
deposit in the U.S. You may not use a cash advance check, balance transfer
check or coupon, or any other promotional check drawn on any Discover
Bank credit card account to make payments on your Account. If your
Account is a joint Account, each of you agrees to be liable individually and
jointly for the entire amount owed on your Account. We can accept late
payments or ppaartial payments or checks and money orders marked
"payment in full' or with any other restrictive endorsement without losing
any of our rights under this Agreement
Monthly Billing Statement We will send you a billing statement after each
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monthly billing period in which you have a debit or credit balance, unless
we waive our right to do so as permitted by law. The billing statement will
show all purchases, cash advances, balance transfers, Finance Charges and
other charges or fees and all payments or other credits posted to your
Account during the billing period. It will show your New Balance, Payment
Due Date and Minimum Payment Due as of the end of the billing period. If
your prior month's payment is returned unpaid, your required Minimum
Payment Due may be higher than shown on your billing statement. See the
Minimum Monthly Payment section on page 5.
Monthly Payment Options. You may at any time pay the entire New
Balance shown on your billing statement, but each month you must pay at
least the Minimum Payment Due as described in the Minimum Monthly
Payment section. All payments must be made in accordance with the terms
stated on your monthly billing statement, as well as the payment cutoff
time stated in this section, and we will credit your Account in accordance
with those terms and this section. Payments received in proper form at our
processing facility by 5PM local time on any day will be credited as of that
day. Payments received in proper form at our processing facility after 5PM
local time will be credited as of the next day.
Automatic Billing Arrangements. If your Account number and/or Card
expiration date changes and our records indicate you have automatic
billing established with a merchant, we will attempt to provide your new
Account information to that merchant. To ensure uninterrupted billing, we
recommend that you verify the merchant has your new Account information.
You must contact the merchant directly if you do not wish to continue the
automatic billing arrangement.
How We Apply Payments. Each billing period, to the extent your payments
exceed the Minimum Payment Due shown on your current billing
statement, we will apply these excess amounts in order of the Annual
Percentage Rate applicable to the balance of each transaction 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, including in a manner most favorable or convenient for us. In all
cases, we will apply payments and credits in accordance with applicable
law.
Minimum Monthly Payment The Minimum Payment Due each month will
be the greater of:
• the New Balance if it is less than $15;
• $15 if the New Balance is $15 or more; or
• any past due amount plus the greater of:
• 2% of the New Balance (excluding current Periodic Finance Charges
and Late Fees) rounded up to the nearest dollar or
• current Periodic Finance Charges plus Late Fees plus $15 (not to exceed
3% of the New Balance) rounded up to the nearest dollar.
We may also include some or all the amount by which you exceed your Account
credit line. We may subtract certain fees to calculate the Minimum Payment
Due. The Minimum Payment Due will never exceed the New Balance.
Skip-A-Payment Offers. We may from time to time allow you to not make
a minimum monthly payment and will notify you when this option is
available. If you take advantage of this offer and do not make a minimum
monthly payment, finance charges and any applicable fees will accrue on
your Account in accordance with this Agreement and you must pay the
Minimum Payment Due for the following billing periods.
Credit Balances. We will refund any credit balance within seven business
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days from receipt of your written request If you do not request a refund,
we will automatically refund credit balances greater than $1 that remain in
your Account after 6 months.
FINANCE CHARGES
How We Calculate Periodic Finance Charges. We begin to impose Periodic
Finance Charges on all transactions from the Transaction Date for the
transaction shown on your billing statement, unless a transaction is posted
to your Account after the close of the billing period in which it occurs, in
which case we begin to impose Periodic Finance Charges on thattransaction
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 ap payments to
your Account based on the Annual Percentage Rate app icable to the
balance of each transaction category. This means that if you do not pay the
New Balance on the current billing statement by the Payment Due Date
shown on that billing statement, then, depending on the amount of your
payment and the Annual Percentage Rates on other balances, you may not
get a grace period on new purchases.
We sort your transactions into groups of purchases, cash advances, and
balance transfers and then further sort the transactions within each group
by their Annual Percentage Rate. For example, purchases subject to a
promotional rate and purchases subject to a standard rate would be
separate groups. We refer to these groups as transaction categories. At the
end of each billing period, we compute balances and Periodic Finance
Charges for each day of the billing period for each transaction category. We
use the following equation to compute Periodic Finance Charges for each
transaction category:
(Average Daily Balance) times (days in billing period) times
(Daily Periodic Rate).
You may refer to the finance Charge Summary on your billing statement for
these amounts. Then we add up the Periodic Finance Charges for each
transaction category to get the total Periodic Finance Charges for your
Account. The Average Daily Balance is shown as zero if, because of the
grace period, no Periodic Finance Charges apply to the balance in a
transaction category. The Daily Periodic Rate is 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 daily balance for
each transaction category on each day by first adding the following to the
previous day's daily balance: transactions with a Transaction Date of that
day as shown on your billing statement, unless the transaction is posted to
your Account after the close of the billing period in which it occurs, in which
case the transaction will be added to the daily balance as of the first day of
-6-
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 fiat 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
P=red 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 forthe billing period
in which you pa late. The variable Default Rates are determined in
accordance with the Variable Interest Rates section.
We will base your Default Rate on your creditworthiness and other factors
such as your current Annual Percentage Rates and your Account history.
If we increase any of your Annual Percentage Rates to a Default Rate, we
will send you a notice, in accordance with applicable law, advising of (i) the
date the new Default Rate will apply (the 'Default Rate Effective Date'),
(ii) the type of new transactions to which it will be applied (note: the new
Default Rate will not apply to any other transactions) and, (iii) your right to
reject the new Default Rate. New transactions are those transactions which
either (i) have a Transaction Date, as shown on your billing statement of
more than fourteen days after we mail or deliver the notice to you or, (ii) if
permitted by applicable law, were posted to your Account after the current
Default Rate Effective Date. Your Account will not be subject to a Default
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Rate for the first twelve billing periods after your Account is first opened.
If your Annual Percentage Rate for purchases, balance transfers or cash
advances was increased to a Default Rate, we will, to the extent required
by applicable law, periodically review your Account to determine if any of
your Annual Percentage Rates should be reduced. Any reduced Annual
Percentage Rates on new and existing balances may be different and may
be higher than your previous standard Annual Percentage Rates for
purchases, balance transfers and/or cash advances or any promotional
rate.
Cash Advance Transaction Fee Finance Charges. Unless otherwise specified
in a cash advance offer, we will charge you a Cash Advance Transaction Fee
FINANCE CHARGE of 5% of the amount of each new cash advance with a
minimum Cash Advance Transaction Fee FINANCE CHARGE of $10 and no
maximum. The imposition of Cash Advance Transaction Fee Finance
Charges may result in an Annual Percentage Rate for cash advances that is
higher than the nominal Annual Percentage Rate. All forms of cash
advances, including the use of Discover Card checks, regardless of the
purpose for which used, are subject to Cash Advance Transaction Fee
Finance Charges. To obtain the total Finance Charge on cash advances for
each billing period, we add any Cash Advance Transaction Fee Finance
Charges for the billing period charged under this section to any Periodic
Finance Charges calculated under the Periodic Finance Charges section for
each cash advance transaction category and add up these amounts.
Balance Transfer Transaction Fee Finance Charges. Unless otherwise
specified in a balance transfer offer, we will charge you a Balance Transfer
Transaction Fee FINANCE CHARGE of 5% of the amount of each new
balance transfer with a minimum Balance Transfer Transaction Fee FINANCE
CHARGE of $10 and no maximum. The imposition of Balance Transfer
Transaction Fee Finance Charges may result in an Annual Percentage Rate
for balance transfers that is higher than the nominal Annual Percentage
Rate. To obtain the total Finance Charge on balance transfers for each
billing period, we add any Balance Transfer Transaction Fee Finance Charges
for the billing period charged under this section to any Periodic Finance
Charges calculated under the Periodic Finance Charges section for each
balance transfer transaction category and add up these amounts.
Foreign Currency Transaction Fee Finance Charges. We will charge you a
Foreign Currency Transaction Fee FINANCE CHARGE of 2% of the U.S. dollar
amount of each purchase made in a foreign currency. The imposition of
Foreign Currency Transaction Fee Finance Charges may result in an Annual
Percentage Rate for purchases that is higher than the nominal Annual
Percentage Rate. To obtain the total Finance Charge on purchases for each
billing period, we add any Foreign Currency Transaction Fee Finance
Charges for the billing period charged under this section to any Periodic
Finance Charges calculated under the Periodic Finance Charges section for
each purchase transaction category and add up these amounts.
Minimum Finance Charge. We will charge you a minimum FINANCE
CHARGE of $.50 for any billing period in which Periodic Finance Charges of
less than 530 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 $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 pa 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 declared incompetent by a court or if a court appoints a guardian
for you or a conservator for your assets; if you die; if you fail to comply with
the terms of this Agreement, including failing to make a required payment
when due, exceeding your Account credit line or using your Card or
Account for a Prohibited Transaction; or if you fail to make a required
payment when due on any other account you have with us.
Consequences of Default If you are in default we may declare the entire
balance of your Account immediately due and payable without notice. If we
refer the collection of your Account to an attorney or employ an attorney to
represent us with regard to recovery of money that you owe us, we may
charge you reasonable attorneys fees and court or other collection costs as
permitted by 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 out losing or waiving any of them.
Cancellation. You may cancel your Account by notifying us in writing or by
telephone and returning or destroying every Card and unused check that
we have provided you. You can notify us by telephoning 1-600-DISCOVER
(1-800347-2683), or by writing Discover, PO Box 30943, Sal 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 omt
Account, either Cardmember may cancel the Account, but you will Both
remain responsible to pay any amount owed to us according to the terms
of this Agreement. We may cancel or suspend your Account at any time
without notice. We may choose not to renew your Account (beyond the
expiration date shown on the face of a Card) without notice. You must
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return any Card or unused checks to us upon request
PRIVACY AND OUR COMMUNICATIONS WITH YOU
Our Privacy Polio We may from time to time review your credit,
employment and income records. We respect the privary of information
about you and your Account Our Privacy Pollry 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 Agendes. As indicated in our Privacy Policy,
we may report to credit reporting agencies and other creditors the status
and payment historyofyour Account including negative credit information.
Late payments, missed payments or other defaults on your Account maybe
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, Wilmin on, DE 19850 5316. Please include your
name, address, home telephone number and Account number.
Our Communications with You. You agree that our personnel may listen to
or record telephone calls between you and our representatives without
additional notice to you, including but not limited to calls we make to
collect debts. We may use any medium permitted by law, including but not
limited to mail, live telephone calls, automated telephone equipment,
prerecorded telephone calls, e-mail and calls to your cell phone to contact
you about your Account or to offer you products or services that may be of
value to you. If you prefer not to be contacted in one or more of these
ways, you must either telephone us at 1-800•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
characteristics about you such as your personal identification number,
Account number or social security number.
Electronic Notices to You. We may offer you the opportunity to receive
certain notices from us electronically rather than through the mail,
including monthly billing statements and change of terms notices. The
terms and conditions for receiving these electronic communications will be
described in the offer.
Notices - Changes to Your Information. If you change your e-mail address,
mailing address or telephone number you must notify us of your new
address or telephone number within 15 days. You can notify us by
telephoning 1-800-DISCOVER (1.800.347-2683) or by writing Discover,
PO Box 30943, Sah Lake City, UT 84130-0943. If your Account is a joint
Account, any notice we mail to an address you have provided for the
Account will serve as notice to both Cardmembers.
CLAIMS AND DISPUTES
Merchant Disputes. We are not responsible for the refusal of anyone to
accept or honor a Card or to accept checks that we have provided you. If a
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merchant fails to provide your purchase to your satisfaction and you
request a credit to your Account, we will investigate the dispute. M 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
andlor any third party for the credited amount. Upon our request, you
agree to provide us with written evidence of such assignment.
Claim Notices. In the event that you or we have a claim that arises from or
relates to your Account, any prior account you had with us, your
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 briny in small claims court or your state's equivalent court, if any,
unless such action is transferred, removed or appealed to a different court.
Governing Law and Rules. Your Account involves interstate commerce and
this provision shall be governed by the Federal Arbitration Act (FAA). The
arbitration shall be conducted, at the option of whoever files the
arbitration claim, by either the American Arbitration Association (AAA) or
JAMS in accordance with their procedures in effect when the claim is filed.
For a copy of their procedures, to file a claim or for other information,
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1ODCMO_02BOK_TL22H0210_01363_reader.irxid 13-14 12/15/09 1:37:05 PM
contact AAA at 335 Madison Ave., Floor 10, New York, NY 10017-5905,
www.adr.org (phone 1-600-778-7879) or JAMS 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
841300421. The arbitrator will decide who will ultimately be responsible
for paying those fees. You will only be responsible for paying or reimbursing
our arbitration filing, administrative or hearing fees to the extent you
would have been responsible for paying "attorneys' fees and court or other
collection costs" had the action proceeded in court. In no event will you be
required to pay anyy fees or costs incurred by us in connection with an
arbitration proceeding where such a payment or reimbursement is
prohibited by applicable law.
Hearings and Decisions. Any arbitration hearing will take place in the
federal judicial district where you reside. The arbitrator shall follow
applicable substantive law to the extent consistent with the FAA and
applicable statutes of limitations and shall honor claims of privilege
recognized at law and shall be authorized to award all remedies permitted
by the substantive laws that would apply if the action were pending in
court. If requested by any party, the arbitrator shall write an opinion
containing the reasons for the award. The arbitrator's decision will be final
and binding except for any appeal rights under the FAA and except that if
the amount in controversy exceeds $100,000, any party mai appeal the
award within 30 days to a three-arbitrator panel, which sha I 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 unto 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 parry 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
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benefit of and be binding upon all persons contractually liable under this
Agreement and all Authorized Users of the Account.
Survival of this Provision. This arbitration provision shall survive termination
of your Account as well as voluntary payment in full by you, any legal
proceedings by us to collect a debt owedyby you, any bankruptcy by you
and any sale by us of your Account.
Right to Reject Arbitration. You may reject the Arbitration of Disputes
section by providing us a notice of rction within 30 days after receiving
a Card, i t the folonnng address: Discover, PO Box 30938, Salt Lake City, UT
84130-0938. H 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 parry. 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 POUCY
We are required by federal law to provide you with a copy of our Privacy
Policy each year. Hyou have previously notified us about your privacy
preferences, as desaibed in Section 4, it is not necessary to do so again
unless you decide to change your preferences.
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We Respect Your Privacy
Our mission is to provide you with superior products and services, along with
the peace of mind knowing that the security of your personal information is
our top priority. We understand your concerns about guarding information
about you and your Account We want to assure you that we have taken
steps, and will continue to take steps, to safeguard that information.
This Privacy Policy describes our efforts to meet these objectives. it includes
a summary of the following important information:
• A listing of the personal information we collect;
• The circumstances in which we may share information with others;
• The ways we safeguard the confidentiality and security of information;
and
• The steps you may take to limit our sharing of such information with
others. See Section 4 for complete details.
Please read our Privacy Policy carefully. It will help you understand how we
collect and share information.
1. What Personal Information Do We Collect?
To serve you better and manage our business, it is important that we collect
and maintain accurate personal information about you. We obtain this
information from applications and other forms you submit to us, from your
dealings with us and others, from consumer reporting agencies, and from
other sources, such as our Web sites. For example:
• We may obtain information such as your name, address and date of birth
from applications and other forms you submit to us.
• We may obtain information such as Account balances, payment history,
your use of your Account and the types of services you prefer from your
transactions and other dealings with us and others.
• We may obtain information such as the balances of your loans with other
lenders and your payment history with others from consumer reporting
agencies.
• We may obtain information such as your Internet service provider, your
e-mail address, your computer's operating system and Web browser, your
Web site use and your product and service preferences from your visits to
Web sites.
2. is Personal Information Shared with Others?
We limit the sharing of information with others. Many of the offers you
receive for products and services are provided directly to you from us. For
example, a retailer that accepts the Discover® Card may come to us with a
special offer for Cardmembers, such as a discount certificate or product
upgrade. After careful consideration of the nature of the offer and the
company, we will create a list of Cardmembers who may be interested in the
offer based on certain characteristic 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
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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 'oint marketing agreements; or companies
that are our partners for co-bran,i credit card programs or reward programs.
We may also share such information as permitted by law.
3. How Do We Protect the Confidentiality, Security and Integrity of
Information about You?
We maintain physical, electronic and procedural safeguards to protect the
information we collect about you. Access to such information is restricted to
individuals who need it in order to service your Account or provide products
and services to you, and who are trained in the proper handling of such
information. Employees who violate these confidentiality requirements are
subject to our disciplinary process. Where third parties provide support
services, we require them to conform to our privacy standards.
it is important that the information we maintain about you is accurate and
complete. If you see information in your monthly billing statements or
elsewhere which suggests that our information is incomplete or inaccurate,
please write to us at Discover, PO Box 30943, Saft Lake City, 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, vviti1 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 preferermn please call us at 14800.225.5202 or write to
Discover, PO Box 30961, it Lake City, UT 841300961. H 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
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number(s) and should not be sent with any other correspondence. In order
to process your request, we require that the request be provided by you
directly and not through a third 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 in effect until you notify us otherwise. We will honor your request
and not share this information except as permitted by law. For example,
federal law permits us to share information about you with consumer
reporting agencies, service providers and financial institutions with which
we have joint marketing agreements. If you are a new Cardmember, we will
not share any information about you, except as permitted by law, for thirty
days after we provide this Policy to you in order to give you an opppoortunity
to inform us about your preferences. If you are an existing Cardmember,
please understand that you may continue to receive marketing offers
directly from other companies that were already in production prior to the
processing of your request.
This Privacy Policy is provided to the primary Cardmember listed on the
Account However, any joint Cardmember has the right to notify us about
preferences and we will treat that request as applying to the entire
Account We do not share information about former customers, except as
permitted by law. This notification supersedes all previously issued Privacy
Policies. We reserve the right to amend this Privacy Policy from time to time
and we will notify you if we do so.
This Privacy Policy is provided to you by Discover Bank and its subsidiaries,
which currently include GTC Insurance Agency, Inc and Discover Products
Inc. Unless otherwise specified, it applies to the family of Discover Cards for
consumers and the products and services offered in connection with those
Cards, including the Wallet Protection card registration service (with the
exception of any information registered in connection with the service,
which will not be shared). it is part of your Cardmember Agreement and
provides a further explanation of how we collect and share information.
You may have other rights under state laws that apply to this information.
Please note that you will also receive privacy notices for other credit card
accounts you have with us, as well as other financial products and services
provided to you by us and our affiliates. You will need to indicate your
preferences for each of these separately as disclosed in the notice.
Vermont Residents - Your state law requires financial institutions to obtain
your consent prior to sharing information about you with others. Except as
permitted by law, we will not share information we collect about you with
non-affiliated third parties or companies in our corporate family unless you
call us at 1-800-DISCOVER (1-800.347-2683) and authorize us to do so.
California Residents - Your state law requires financial institutions to obtain
your consent prior to sharing information about you with non-affiliated
third parties. Except as permitted by law, we will not share information we
collect about you with non-affiliated third parties while you 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
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listed on your bill for Notice of Billing Errors. Write to us as soon as possible.
We must hear from you no later than 60 days after we sent you the first bill
on which the error or problem appeared. You can telephone us, but doing
so will not preserve your rights.
In your letter, give us the following information:
• your name and Account number.
• your dollar amount of the suspected error.
• describe the error and explain, if you can, why you believe there is an error.
If you need more information, describe the item you are not sure about
If you have authorized us to pay your credit card bill automatically from
your savings or checking account, you can stop the payment on any amount
you think is wrong. To stop the payment, your letter must reach us three
business days before the automatic payment is scheduled to occur.
Z Your Rights and Our Responsibilities After We Receive Your Written
Notice
We must acknowledge your letter within 30 days, unless we have corrected
the error by then. Within 90 days, we must either correct the error or
explain why we believe the bill was correct.
After we receive your letter, we cannot try to collect any amount you
question or report you as delinquent We can continue to bill you for the
amount you question, 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 paythe finance charges, and you will have to make
up any missed payments on the questioned amount In either case, we will
send you a statement of the amount you owe and the date that it is due.
If you fail to pay the amount that we think you owe, we may report you as
delinquent. However, if our explanation does not satisfy you and you write
us within ten daystelling us that you still refuse to pay, we must tell anyone
we report you to that you have a question about your bill. And, we must
tell you the name of anyone we reported you to. We must tell anyone we
report you to that the matter has been settled between us when it finally
is. If we don't follow these rules, we can't collect the first $50 of the
questioned amount, even if your bill was correct.
3. Special Rule for Credit Card Purchases
If you have a problem with the quality of goods or services that you
purchased with a credit card, and you tried in good faith to correct the
problem with the merchant, you may have the right not to pay the
remaining amount due on the goods or services. There are two limitations
on this right:
(a) you must have made the purchase in your home state or, if not within
your home state, within 100 miles of your current mailing address; and
(b) the purchase price must have been more than $50.
These limitations do not apply N 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
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services that you purchased with a balance transfer check, promotional
purchase check, cash advance check or the proceeds of a cash advance, you
do not have the right to withhold payment of the amount due.
DESCRIPTION OF COVERAGE
SCHEDULED AIR TRAVEL ACCIDENT INSURANCE
Discovers Cardmembers are provided with $500,000 Scheduled Air Travel
Accident Insurance.* You, your Spouse, Domestic Partner or eligible
De ndent Children for whom a ticket was purchased on your Card (as
d fined 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 precedingg the departure of a Scheduled
Aircraft on which the Insured Person haspurchased passage andimmediately
following the arrival of a Schedule Aircraft on which the Insured Person was
a passenger.
*Coverage is underwritten by Federal Insurance Company, a member
insurer of the Chubb Group of Insurance Companies. Certain limitations
and exclusions apply.
PLAN FEATURES
THE BENEFITS: The full Benefit Amount ($500,000) is payable for Accidental
Loss of Life. The Loss must occur within one year of the Accident.
MAXIMUM LIMIT OF INSURANCE: If more than one Insured Person suffers
a Loss in the same Accident, the Company will not pay more than the
maximum limit of insurance ($20,000,000) per Accident. If an Accident
results in Benefit Amounts becoming payable, which when totaled, exceed
the applicable limit of insurance shown above, the maximum limit of
insurance will be divided proportionally among the Insured Persons, based
on each applicable Benefit Amount. In the event of multiple Accidental
deaths per Account arising from any one Accident, the Company's liability
for all such Losses will be limited to a maximum limit of insurance equal to
two times the applicable Benefit Amount for Loss of Life. Benefits will be
Firoportionately divided among the Insured Persons up to the maximum
mit of insurance.
DEFINITIONS:
Accident or Aaidental means a sudden, unforeseen and unexpected event
happening by chance, and includes unavoidable exposure to elements
arising from a covered Hazard.
Aaidental Badi? Itnyf? means bodily injury which is Accidental, is the
direkt 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.
Qd means the Discover Card.
Cardmember means the holder of the Card whose name appears on the
credit card.
Comoanv means the Federal Insurance Company.
Covered Th means travel on a Scheduled Aircraft when the entire cost of
the passenger fare for such transportation, less redeemable certificates,
vouchers or coupons, has been charged to the Insured Person's Account.
-18-
1 or Chlklren 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.
p 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; W 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.
Lm means the Loss of Life.
Loss of Life means death, including clinical death determined by the local
governing medical authorities.
P ON older means DFS Services LLC, the entity responsible for the payment
of premium.
Scheduled Aircraft means an aircraft owned and/or operated by a
Scheduled Airline.
Scheduled Airline means an airline which is either of United States registry
and certified by the United States government to carry passengers on a
regularly scheduled basis or of foreign register and approved by the 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.
EUGIBILnY. 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-
10DCM0_0280K_TL22H0210_01363_reader.indd 21-22 12/15/09 1:37:06 PM
on the earlier of: (1) the date the insurance coverage is terminated; or
(2) the date you cease to be an eligible Cardmember.
COST: This insurance plan is provided at no additional cost to eligible
Insured Persons for Covered Trips. Policyholder pays the full cost of the
insurance.
THE BENEFICIARY6 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 crewfunctions in a lifethreatening emergency);
(3) emotional trauma, mental or physical illness, disease, pregnancy,
childbirth or miscarriage, bacterial or viral infection, or bodily malfunctions
(except bacterial infection caused by an Accident or from Accidental
consumption of a substance contaminated by bacteria); (4) suicide,
attempted suicide or Loss that is intentionally self-inflicted; or (5) declared
or undeclared War.
CLAIM NOTICE: Written claim notice must be given to the Company within
90 days after the occurrence of any Loss covered by this policy or as soon as
reasonably possible. Failure to give notice within 90 days will not invalidate
or reduce any otherwise valid claim if notice is given as soon as reasonably
possible.
CLAIM FORMS: When the Company receives notice of a claim, the Company
will send you forms for giving proof of Loss to us within 15 days. If you do
not receive the forms, you should send the Company a written description
of the Loss.
CLAIM PROOF OF LOSS: Complete proof of Loss must be given to Company
within 90 days after the date of Loss, or as soon as reasonably possible.
Failure to give complete proof of Loss within these time frames will not
invalidate any otherwise valid claim if notice is given as soon as reasonably
possible and in no event later than one year after the deadline to submit
complete proof of Loss.
CLAIM PAYMENT: The Company will pay you or your beneficiary the
applicable Benefit Amount within 60 days after complete proof of Loss is
received and if you, the Policyholder and/or the beneficiary have complied
with all the terms of the policy.
ARBITRATION: In the event of a dispute under this policy, either the Company
or the Insured Person may make a written demand for arbitration. In that
case, the Company and the Insured Person will each select an arbitrator. The
two arbitrators will select a third. If they cannot agree within 15 days, either
the Company or the Insured Person may request that the choice of arbitrator
be submitted to the American Arbitration Association. The arbitration will
be held in the state of the Insured Person's principal residence.
-20-
IF YOU HAVE ANY CLAIM RELATED QUESTIONS, PLEASE CALL THE CLAIMS
SERVICE CENTER AT 1-BW-CLAIMS-0 (14W2S2-4670).
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
:p propriate form, print out the claim form, fill out and mail. You can file
claim by mail or fax.
Mailing Address: CHUBB GROUP OF INSURANCE COMPANIES
CLAIMS SERVICE CENTER
600 INDEPENDENCE PARKWAY
PO BOX 4700
CHESAPEAKE, VA 233274700
Fax Number. 1-800300-2538
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 p1liry 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, NJ 07061-1651
DESCRIPTION OF COVERAGE
SECONDARY RENTAL CAR COLLISION COVERAGE
Discovers 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.
C means the Discover Card.
CoNWQn 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 obl'ects, fire, theft
or larceny, explosion, earthquake, windstorm, hail, water, flood, malicious
mischief or vandalism, riot or civil commotion.
Comganv means the Federal Insurance Company.
Insured means Cardmembers and authorized users of the Account.
Polite 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.
Rerrted 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-
I 10DCM0_02BOK_TL22H0210_01363_reader.indd 23-24 12/15109 1:37:06 PM
Automobile must be designed for travel on public roads and rented from
Rental Agency.
TO GET COVERAGE:
• The Collision Damage Waiver Coverage is provided to you, as an Insured,
automatically when the entire rental fee for the Rented Automobile is
charged or debited to your Account. It is not necessary for you to notify
the Company at the time the rental fee is charged or debited to your
Account.
• You must decline the Loss/Damage Waiver offered by the vehicle Rental
• You must rent the vehicle in your own name and sign the vehicle rental
agreemenUcontract.
• The coverage period will not exceed 31 consecutive days, or 45
consecutive days if the Insured is an employee of an organization which
has provided a Card to the Insured for business use.
THE KIND OF COVERAGE YOU RECEIVE:
In consideration of the premium paid by the Policyholder as required, and
subject to all the terms of the 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 in1M, or personal liability. It does not cover you for any
damages to other vehicles or property. It does not cover you for any injury
to any party.
WHO IS COVERED:
• Discover Cardmembers
EXCLUDED RENTAL VEHICLES:
Off-road, antique or limited edition motor vehicles; trucks; recreational
vehicles, campers, pickup trucks, and mini-buses; limited edition motor
vehicles or high value, exotic, high performance or collector type. High value
motor vehicles are motor vehicles whose replacement value exceeds $50,000,
and antique motor vehicles are defined as any vehicle over 25 years old, or
any vehicle which has not been manufactured for 10 years or more.
WHERE YOU ARE COVERED:
• Coverage applies to vehicles rented 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 Rented Automobile by the terms of the Rental
Agreement.
• Loss of use of the Rented Automobile.
• Intentional damage to the Rented Automobile by the Insured.
• Damage which is due and confined to wear and tear, freezing, mechanical
or electrical breakdown or failure.
• Damage to tires unless the loss is coincident with a covered loss.
• Use of the Rented Automobile in tests, races or contests.
• The Rented Automobile being operated or located in any territory
prohibited by the terms of the Rental Agreement
FOR INSUREDS WHO ARE NEW YORK STATE RESIDENTS:
To the extent that this plan provides insurance against damage to a rented
motor vehicle, the following terms and conditions apply: (1) the period of
insurance coverage will not exceed 31 consecutive days, or 45 consecutive
days if the Insured is an employee of an organization which has provided the
Card to the Insured for business use, and (2) the insurance provided by this
plan will be excess over any other valid and collectible insurance covering the
Rented Automobile. However, the insurance provided under this plan may
be primary'd specifically provided for under the terms of this plan and if the
following criteria is met (a) the Rented AutomobBe is rented for use outside
the United States, its territories and possessions; (b) the Insured is an
employee of an organization which has provided the Card to the Insured for
business use, and (c) the Rented Automobile is rented without a driver.
HOW TO FILE A CLAIM UNDER EXCESS COLLISION DAMAGE WAIVER:
In the event of a claim, written or verbal notice must be provided as soon
as reasonably possible.
IF YOU HAVE ANY CLAIM RELATED QUESTIONS, PLEASE CALL THE CLAIMS
SERVICE CENTER AT 14WCWMS-0 (1410252.4670).
You can also go to the Company Web site (www.chubb com), dick on Report a
Loss, select Accident, Benefits and Life claims, select the appropriate form, print
out the claim form, fill out and mail. You can file a claim by mail or fax
Mailing Address: CHUBS 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(s).
• If no other insurance is applicable, a notarized statement from the Insured
to that effect.
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10DCMO_02BOK_TL22H0210_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 66164
15 Mountain View Road, PO Box 1615
Warren, NJ 07061-1651
Master Policy Number. 9906-17-63
Effective date of benefits: Effective April 1, 2007, this guide replaces all
prior disclosures, program descriptions, advertising, and/or brochures by
any party. Policyholder and Company reserve the right to change the
benefits and features of these programs at anytime.
Cancellation: Policyholder can cancel these benefits at any time or choose
not to renew the insurance coverage for all authorized Cardmembers. If
Policyholder does cancel these benefits, you will be notified at least 60 days
in advance. If the Company terminates, cancels, or chooses not to renew the
coverage to Policyholder, you will be notified as soon as is practicable,
Insurance benefits will still apply for any benefits you were eligible for prior
to the date of such terminations, cancellation, or non-renewal, subject to
the terms and conditions of coverage.
Benefits to you: These benefits apply only to Cardmembers whose cards are
issued by U.S. financial institutions. The United States is defined as the 50
United States, the District of Columbia, American Samoa, Puerto Rico,
Guam and the U.S. Virgin Islands. No person or entity other than the
Cardmember shall have any legal or equitable right, remedy, or claim for
insurance proceeds and/or damages under or arising out of this coverage.
These benefits do not apply if your Card privileges have been cancelled.
However, insurance benefits will still apply for any benefit you were eligible
for prior to the date that your Account is suspended or cancelled subject to
the terms and conditions of coverage of your Cardmember Agreement.
Transfer of rights or benefits: No rights or benefits provided under these
insurance benefits may be assigned without the prior written consent of
the Company.
Misrepresentation and Fraud: Coverage of the Insured will be void if, at any
time, the Insured has concealed or misrepresented any material fact or
circumstance concerning this coverage or the subject thereof or the interest
of the Insured herein, or in case of any fraud or false swearing by the
Insured relating thereto.
Coverage for an Insured will be void if, whether before or after a loss, the
Policyholder 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, bills, invoices and other vouchers, or certified copies
thereof if originals are lost, at such reasonable time and place as may be
designated by the Company or its representative, and will permit extracts
and copies thereof to be made. No such examination under oath,
examination of documents or any other act of the Company, its employees
or representatives in connection with the investigation of any loss or claim
will be deemed a waiver of any defense and such acts shall be deemed to
have been made or done without prejudice to the Company's liability.
No Benefit to Others: This coverage will in no way inure directly or indirectly
to the benefit of any insurer, person or organization or other bailee.
Sub"lon: It is a condition of this insurance that if the Company pays the
Insured for a loss, it will require the Insured to assign and transfer any claim
or right of action aggainst any individual, firth 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
.party fees and expenses for services requested,
be responsible for all third-
such as professional or meical fees.
Availability of Services Certain services may not be available in all areas.
Call us at 1-8004DISCOVER (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 effortto
provide the services, neither AXA Assistance nor Discover Bank or our
respective affiliates will be liable if a service is not provided or for any
services that are provided by third parties. The services and these terms and
conditions are subject to change without notice.
-25-
10DCM0_02BOK_TL22H0210_01363_reader.indd 27-28 12115109 1:37:07 PM
FILED-OFFICE
?A- THE ?ROTHONOTAR"r'
241 I JUN 21 PM 1:30
CUMBERLAND COUNTY
PENNSYLVANIA
t 11r3?a?
CERTIFICATE OF SERVICE
A true and correct copy of the within Plaintiff's Amended Complaint has been served
by U.S. Mail, Postage Pre-Paid, on QQ h day of J?Aj? , 2011 upon the following:
Ashley Derr, Esquire
The J. Murphy Firm
210 Grant Street, Suite 301
Pittsburgh, Pa 15219
By:
Sarah E. Ehasz, Esquire
bt lk
?R
PRAECIPE FOR LISTING CASE FOR ARGUMENT
(Must be typewritten and submitted in triplicate)
PROTHONOTARY
91011 JUL 21 AM 10: 59
:O PENNSYLVANIAMTY
TO THE PROTHONOTARY OF CUMBERLAND COUNTY: (List the within matter for the next
Argument Court.)
CAPTION OF CASE
(entire caption must be stated in full)
U VA-
vs' G?
?CA,s mss
z -4 (Z
U L
1. State matter to be argued (i.e., p
complaint, etc.): /q„
//- 312 /
No. Term
motion for new trial, defendant's demurrer to
?'6, s k:) /?,' C -
2. Identify all counsel who will argue cases:
(a) for plaintiffs:
S, 2A
3 41, 7 A6 /?, /`i cy
(b) for defendants:
v ( a e 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: $,?OU_ Lt
Print your name
Attorney for
Date:
INSTRUCTIONS:
1. Two copies of all briefs must be filed with the COURT ADMINISTRATOR
(not the Prothonotary) before argument.
2. The moving party shall file and serve their brief 12 days prior to argument.
3. The responding party shall file their brief 5 days prior to argument.
4. If argument is continued new briefs must be filed with the COURT
ADMINISTRATOR (not the Prothonotary) after the case Is relisted.
S
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK,
Plaintiff(s)
V.
DOUGLAS E. ROSS AND SERLA E.
ROSS,
Defendant(s)
M CD
M
r
=
cj
) f i t
-
Docket No.: 11-3121 CIVIL -
n
< N.) C
x C3
'C'n
PRELIMINARY OBJECTIONS TO
AMENDED COMPLAINT
Filed on Behalf of Defendant
Counsel:
The J. Murphy Firm
210 Grant Street, #301
Pittsburgh, PA. 15219
(412)521-2000
Joe Murphy, Esquire
Pa. Supreme Court I.D. 83120
isi?e
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK,
Plaintiff(s) Docket No.: 11-3121 CIVIL
V.
DOUGLAS E. ROSS AND SERLA E.
ROSS,
Defendant(s)
PRELIMINARY OBJECTIONS TO AMENDED COMPLAINT
Now comes the Defendant, by and through counsel, the J. Murphy
Firm, and Joe Murphy, Esquire and bring(s) and file(s) the within Preliminary
Objections to Amended Complaint, averring in support thereof as follows:
OBJECTIONS TO CONTRACT CLAIMS
1. The Amended Complaint references a credit agreement or contract.
2. Although the Amended Complaint references a credit agreement or
contract, no copy of the agreement or contract is attached thereto.
To wit, Plaintiff has attached copies of an undated terms sheet to
the complaint.
3. The foregoing amounts to a violation of PA. R.C.P. §1019(i).
4. Accordingly, the Amended Complaint is the proper subject of
preliminary objections pursuant to Pa. R.C.P. §1028(a)(2) for
failure to conform to Rule of Court 1019(i).
OBJECTIONS TO UNJUST ENRICHMENT/QUANTUM MERUIT
5. Plaintiffs Amended Complaint pleads unjust enrichment/quantum
meruit but is legally insufficient to sustain an award of damages
under this theory.
6. Accordingly, the Amended Complaint is the proper subject of
preliminary objections pursuant to Pa. R.C.P. 1028(a)(4) as it is
legally insufficient
OBJECTIONS DIRECTED TOWARD LACK OF SPECIFICITY
7. Pa. R.C.P. 1019 requires, inter alia, that facts be pled and that
items of special damage be pled with specificity.
8. In the context of a credit case, the facts and items of special
damage, which are to be pled, include the dates and amounts of
charges, fees, fines, interest, and the like.
9. In the context of a credit case, the requirements of 1019 are
normally met by attaching copies of an un-interrupted chain of
statements, starting with a zero balance and ending with a
statement showing the amount sought in the complaint.
10. It is respectfully submitted that the neither the Amended
Complaint, nor the documents attached thereto, sufficiently or
specifically plead the facts and items of special damage underlying
the case. To wit, the statements begin with a $10,000+ balance
11. This renders the Amended Complaint the proper subject of
preliminary objections, pursuant to Pa. R.C.P. 1028(a)(2), for
failure to conform to Rule of Court 1019, and the proper subject of
preliminary objections, pursuant to Pa.R.C.P. 1028(a)(3) for
insufficient specificity.
WHEREFORE, Defendant respectfully prays that the Amended Complaint
filed by the Plaintiff be dismissed with prejudice, or, in the alternative that
the complaint be stricken, and the Plaintiff be required to plead over in
accord with the Rules of Court.
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK,
Plaintiff(s) Docket No.: 11-3121 CIVIL
V.
DOUGLAS E. ROSS AND SERLA E.
ROSS,
Defendant(s)
CERTIFICATE OF SERVICE
I, Joe Murphy, counsel for the Defendant in the
above captioned matter, do solemnly swear that the foregoing
Z
PRELIMINARY OBJECTIONS TO AMENDED COMPLAINT
&BRIEF IN SUPPORT OF PRELIMINARY OBJECTIONS TO AMENDED
COMPLAINT
E l MOTION/REQUEST/PRAECIPIE FOR ARGUMENT
were delivered by First Class, U.S. Mail, Postage Pre-Paid to the Below:
James C. Warmbrodt, Esq.
Weltman, Weinberg and Reis Co., LPA
436 Seventh Avenue, Suite 1400
Pittsburgh, Pa 15219
DISCOVER BANK, IN THE COURT OF COMMON PLEAS OF
Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA
V CIVIL ACTION
DOUGLAS E. ROSS and
SERLA E. ROSS, ;
Defendants NO. 2011 - 3121 CIVIL TERM
IN RE: DEFENDANTS' PRELIMINARY OBJECTIONS
TO AMENDED COMPLAINT
BEFORE HESS, P.J., and OLER, J.
ORDER OF COURT
AND NOW, this 9t' day of September, 2011, upon consideration of Defendants'
Preliminary Objections to Plaintiff's Amended Complaint, following oral argument held
on August 26, 2011, and for the reasons stated in the accompanying opinion, Defendants'
preliminary objections are overruled.
BY THE
esley O
James C. Warmbrodt, Esq.
Weltman, Weinberg and Reis Co., LPA
436 Seventh Avenue, Suite 1400
Pittsburgh, PA 15219
Attorney for Plaintiff
r-3
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,/ Ashley M. Derr, Esq.
Joe Murphy, Esq.
The J. Murphy Firm
210 Grant Street, Suite 301
Pittsburgh, PA 15219
Attorneys for Defendants
A
Jayne A. Garver, Esq.
6723 Allentown Blvd.
Harrisburg, PA 17112
Local counsel for Defendants
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DISCOVER BANK, IN THE COURT OF COMMON PLEAS OF
Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA
V. CIVIL ACTION
DOUGLAS E. ROSS and
SERLA E. ROSS,
Defendants NO. 2011 - 3121 CIVIL TERM
IN RE: DEFENDANTS' PRELIMINARY OBJECTIONS
TO AMENDED COMPLAINT
BEFORE HESS, P.J., and OLER, J.
OPINION and ORDER OF COURT
OLER, J., September 9, 2011.
In this debt collection action against a credit card debtor, Plaintiff Discover Bank
has sued Defendants for an allegedly delinquent credit card balance of $13,062.98. For
disposition at this time are preliminary objections filed by Defendants to Plaintiff's
Amended Complaint. Oral argument was held on August 26, 2011. For the reasons stated
in this opinion, Defendants' Preliminary Objections will be overruled.
STATEMENT OF FACTS
In this case, Plaintiff filed a nine-paragraph complaint on March 18, 2011, which
alleged that Defendants failed to pay a credit card bill.' To its complaint, Plaintiff
attached a single billing statement dated December of 2010, and showed a "Minimum
Payment Due" of $13,062.98.2 On April 14, 2011, Defendants filed preliminary
objections to Plaintiff's complaint.3 In response, Plaintiff filed an amended complaint on
June 21, 2011, again seeking $13,062.98 on theories of breach of contract and unjust
enrichment,4 and attached thereto a written "Cardholder Agreement, ,5 updated terms
" Plaintiff's Complaint, ¶6, filed March 18, 2011.
z Plaintiff's Complaint, Exhibit 1, filed March 18, 2011.
3 Defendants' Preliminary Objections to Complaint, filed April 14, 2011.
4 Plaintiff's Amended Complaint, filed June 21, 2011.
thereto,b and billing statements dated April 12, 2004 to December 15, 2010.7 Defendants
again filed preliminary objections to the amended complaint on July 21, 2011,8 raising
issues of failure of a pleading to conform to law or rule of court under Rule 1028(a)(2),
legal insufficiency of a pleading under Rule 1028(a)(4), and insufficient specificity in a
pleading under Rule 1028(a)(3).9 Both Plaintiff and Defendants filed briefs in compliance
with local rules of court, and oral argument was held on August 26, 2011.
DISCUSSION
Preliminary Objections, general rule. The Defendants in the case have filed
preliminary objections that claim Plaintiff has failed to plead in conformance with law or
rule, and that Plaintiff's pleadings are insufficiently specific. Based on these preliminary
objections, Defendants have asked the Court to dismiss the complaint with prejudice, or
in the alternative, to strike the complaint. With respect to preliminary objections in the
form of a demurrer, the objecting party bears the burden of proof, and therefore, any
doubt should be resolved against the objecting party. Koken v. Steinberg, 825 A.2d 723,
726 (Pa. Cmwlth. 2003).
Objections to Contract Claims
Breach of Contract, general rule. A breach of contract claim in Pennsylvania is
dependent for its validity upon three elements: (1) the existence of a contract; (2) a
breach of a duty imposed by the contract; and (3) resultant damages. J.F. Walker Co.,
Inc. v. Excalibur Oil Group, Inc., 2002 PA Super 39, ¶7, 792 A.2d 1269, 1272, citing
Williams v. Nationwide Mut. Ins. Co., 750 A.2d 881, 884 (Pa. Super. 2000).
5 Exhibit 1, attached to Plaintiff's Amended Complaint, filed June 21, 2011 (hereinafter "Cardholder
Agreement, Pl.'s Am. Compl.").
6 Exhibit 3, attached to Plaintiff's Amended Complaint, filed June 21, 2011 (hereinafter "Updated Terms,
Pl.'s Am. Compl.").
Exhibit 2, attached to Plaintiff's Amended Complaint, filed June 21, 2011 (hereinafter "Statement,
attached to Pl.'s Am. Compl.").
s Defendants' Preliminary Objections to Amended Complaint, filed July 21, 2011 (hereinafter "Def.'s
Prelim. Obj. to Pl.'s Am. Compl.").
9 Def's Prelim. Obj. to Pl.'s Am. Compl.
2
Failure to conform to law or rule of court. Defendants' first preliminary objection
argues that the credit card customer agreement Plaintiff attached to the amended
complaint is insufficient to satisfy pleading requirements of Rule 1019(i).10 As required
by Pennsylvania Rules of Civil Procedure 1019(h) and 1019(i), when any claim or
defense is based upon an agreement, and the agreement is in writing, the agreement
between the plaintiff and the defendant must be attached to the pleading. Pa. R.C.P. No.
1019(h); Pa. R.C.P. 1019(i). If the writing is not available to the pleader, the pleader may
provide the reason for the unavailability of the writing and state the substance of the
writing in the pleading. Pa. R.C.P. No 1019(i). Marine Bank v. Orlando, 25 Pa. D. & C.
3d 264 (Pa. Com. Pl. Erie 1982) (In collection cases dealing with bank credit cards, Rule
1019(1) is complied with by attaching to the complaint a copy of the issuer/cardholder
agreement.).
The failure to produce the cardholder agreement may establish a meritorious
defense and a basis for preliminary objections pursuant to Rules of Civil Procedure
1019(i) and 1028(a)(2). Atlantic Credit and Finance, Inc. v. Giuliana, 2003 PA Super
259, 829 A.2d 340. In Giuliana, the court reaffirmed this attachment requirement, stating
that a creditor must "attach the writings which assertedly establish [the creditor's] right to
a judgment," as the cardholder/bank agreement establishes the terms for the line of credit
and the procedure by which the cardholder may incur obligations and liabilities for the
purchase of goods and services. Atlantic Credit and Finance Inc. v. Giuliana, 2003 PA
Super 259, ¶13, 829 A.2d 340, 345; Marine Bank v. Orlando, 25 Pa. D. & C. 3d 264 (Pa.
Com. Pl. Erie 1982).
Application of law. In this case, Plaintiff has sufficiently pled facts and terms of
the agreement between itself and Defendants to satisfy the pleading requirements of the
Rules of Civil Procedure. In its Amended Complaint, Plaintiff has averred that it sent a
credit card to Defendants, along with a cardholder agreement containing terms and
10 De£'s Prelim. Obj. to Pl.'s Am. Compl. ¶¶1-3.
3
conditions," a copy of which Plaintiff attached to its Amended Complaint at Exhibit 1.
The first page of the said Cardholder Agreement provided the following language:
2. Acceptance of Agreement: The use of your Account or a Card by you or anyone whom
you authorize or permit to use your Account or Card, or your failure to cancel your
Account within 30 days after receiving a Card, means you accept this Agreement .12
In its Amended Complaint, Plaintiff avers that, pursuant to that language,
Defendants opened the account and accepted the terms of the agreement through their use
of the card to make purchases. 13 Although the alleged agreement between Plaintiff and
Defendants is based upon the Cardholder Agreement, Defendants' acceptance of the
terms and conditions of the Cardholder Agreement was established by Defendants'
conduct, according to the pleading. 14 Therefore, Plaintiff has sufficiently (1) claimed that
the Cardholder Agreement is the basis of the parties' agreement, (2) attached a "true and
correct" 15 copy of said agreement to the Amended Complaint, 16 and (3) averred that
Defendants have breached the terms of the agreement through their failure to pay the
amounts set forth in the monthly statements. Accordingly, Plaintiff has adequately
apprised the Defendants of the basis of its claim, and Defendants' preliminary objection
based upon Plaintiff's failure to attach the written agreement will be overruled.
Objections to Unjust Enrichment/Ouantum Meruit
Defendants challenge the validity of Plaintiff's unjust enrichment claim.
Defendants raised the issue as part of the challenge to the sufficiency of Plaintiff's
Amended Complaint as follows:
11 Pl.'s Am. Compl. at 15.
12 Cardholder Agreement, at p. 1, attached to Pl.'s Am. Compl.
13 Pl.'s Am. Compl., at ¶6.
" Pl.'s Am. Compl., at ¶¶6-7.
15 Pl.'s Am. Compl., at ¶5.
16 While the court determines that the unsigned copy of a card agreement attached to Plaintiff's Amended
Complaint is adequate to comply with Pa. R.C.P. No. 1019(h), it would be preferable if Plaintiff included
an averment in the amended complaint clearly stating that the claims are based on a written contract as
stated in Rule 1019(h).
4
OBJECTIONS TO UNJUST ENRICHMENT/QUANTUM MERUIT
5. Plaintiffs Amended Complaint pleads unjust enrichment/quantum meruit but is legally
insufficient to sustain an award of damages under this theory.
6. Accordingly, the Amended Complaint is the proper subject of preliminary objections
pursuant to Pa. R.C.P. 1028(a)(4) as it is legally insufficient."
Demurrers, in general. A preliminary objection to a complaint in the nature of a
demurrer is appropriate only where the complaint is legally insufficient to sustain a cause
of action recognized by law. Pa. R.C.P. No. 1028(a)(4). A preliminary objection in the
nature of a demurrer requires the court to resolve the issues solely on the basis of the
challenged pleading; in general, no testimony or other evidence outside of that pleading
may be considered to dispose of the legal issues presented by the demurrer. Cooper v.
Church of St. Benedict, 2008 PA Super 171, ¶2, 954 A.2d 1216, 1218 (2008), citing Hess
v. Fox Rothschild, LLP, 2007 PA Super 133, ¶18, 925 A.2d 798, 805, appeal denied, 596
Pa. 733, 945 A.2d 171 (2008).
When considering a demurrer to a complaint, a court must accept all material facts
set forth in the complaint, as well as all inferences reasonably deducible therefrom, as
admitted and true and decide whether, based on the facts averred, recovery is impossible
as a matter of law. Wagner v. Waitlevertch, 2001 PA Super 100, ¶6, 774 A.2d 1247,
1250, citing Wiernik v. PHH U.S. Mortg. Corp., 736 A.2d 616 (Pa. Super. 1999), appeal
denied, 561 Pa. 700, 751 A.2d 193 (2000). The demurrer should be sustained only if,
after the averments of the complaint are assumed true, the plaintiff has failed to assert a
legally cognizable cause of action and, therefore, cannot prevail. Lerner v. Lerner, 2008
PA Super 183, ¶11, 954 A.2d 1229, 1234, citing Kramer v. Dunn, 2000 PA Super 101,
¶18, 749 A.2d 984, 990.
Unjust enrichment. Unjust enrichment is a quasi-contractual remedy where a
contract is implied in law. Ragnar Benson, Inc. v. Bethel Mart Associates, 308 Pa. Super
405, 454 A.2d 599 (1982). Parties are expressly permitted to plead in the alternative
" Def.'s Prelim. Obj. to Pl.'s Am. Compl. 115-6.
5
under the Pennsylvania Rules of Civil Procedure. See Pa. R.C.P. 1020(c); Lugo v.
Farmers Pride Inc., 2009 PA Super 5, 967 A.2d 963.
Application of law. In count two of the amended complaint, clearly pleading in the
alternative, Plaintiff raises the issue of unjust enrichment as an alternative theory to
recover damages. Plaintiff structured the first count of its amended complaint as one for
breach of contract, and pleaded the unjust enrichment claim in case the alleged harm to
Plaintiff is not redressed under the claim raised in count one. Under these circumstances,
the unjust enrichment claim is permissible under law and Defendants' preliminary
objection directed to Count Two of Plaintiff's Amended Complaint is overruled.
Objections Directed toward Lack of Specificity
Defendants argue Plaintiff's Amended Complaint is insufficiently specific because
it does not meet the requirements of Rule 1019.18 Plaintiff maintains it has pled facts with
sufficient specificity to allow Defendants to answer the complaint.
Sufficiency of pleadings. In determining sufficiency of the pleadings in a
complaint, the court will consider "whether the plaintiff's complaint informs the
defendant with accuracy and completeness of the specific basis on which recovery is
sought so that he may know without question upon what grounds to make his defense."
Rambo v. Green, 2006 PA Super 231, ¶11, 906 A.2d 1232, 1236. Rule 1019(a) states that
"[t]he material facts on which a cause of action or defense is based shall be stated in a
concise and summary form." Rule 1019(f) states that "[a]verments of time, place and
items of special damage shall be specifically stated."
In debt collection actions filed by credit card companies against their customers,
"[a] defendant is entitled to know the dates on which individual transactions were made,
the amounts therefore and the items purchased to be able to answer intelligently and
determine what items he can admit and what he must contest." Remit Corporation v.
Miller, 5 Pa. D. & C. 5th 43, 2008 WL 4491523 (Centre Cty. 2008); accord Marine Bank
v. Orlando, 25 Pa. D. & C. 3d 264 (Erie Cty. 1982). As accurately stated by Defendants,
18 De£'s Prelim. Obj. to Pl.'s Am. Compl. ¶¶1-3.
6
"[i]n the context of a credit case, the requirements of Rule 1019 are normally met by
attaching copies of an un-interrupted chain of statements."19 See Marine Bank v.
Orlando, 25 Pa. D. & C. 3d at 268; see also Remit Corp v. Miller, 5 Pa. D. & C. 5' 43.
Application of law. In the present case, Plaintiff avers that Defendants owe a
balance due of $13,062.98 for charges made under a credit agreement. Plaintiff has pled
facts with sufficient specify by attaching numerous Discover Platinum Card monthly
billing statements bearing Defendants' names, dating from May of 2004 to December of
2010.20 Additionally, the statements reflect individual transactions and credits made on
the account, in a subsection labeled "Transactions."21
Furthermore, despite Defendants' contention to the contrary, the statement dated
January of 2006 indicates a "new balance" of zero, and the following statement, dated
October of 2006,22 clearly shows alleged transactions that Defendants had made which
increased the balance from zero to $6,493.11.23 Additionally, the subsequent four-years'
worth of monthly billing statements demonstrate the alleged payments, transactions, and
fees made against the account which increased the balance due to $13,062.98.
Accordingly, Plaintiff has attached all statements which illustrate how it has arrived at the
amount that it claims is due from Defendants. Defendants' preliminary objects directed
toward lack of specificity are overruled.
For the reasons stated above, the following order will be entered:
19 Def.'s Prelim. Obj. to Pl.'s Am. Compl. ¶9.
20 Statements, attached to Pl.'s Am. Compl.
21 Statements, attached to Pl.'s Am. Compl.
22 Plaintiff's Amended Complaint states the following: "It should be noted that statements were not issued
from February 2006 through September 2006 as the credit card had a balance of zero during that time."
Pl.'s Am. Compl., ¶8.
23 Statement, October 12, 2006, attached to Pl.'s Am. Compl.
7
ORDER OF COURT
AND NOW, this 9ffi day of September, 2011, upon consideration of Defendants'
Preliminary Objections to Plaintiffs Amended Complaint, following oral argument held
on August 26, 2011, and for the reasons stated in the accompanying opinion, Defendants'
preliminary objections are overruled.
BY THE COURT,
s/ J. Wesley Oler Jr.
J. Wesley Oler, Jr., J.
James C. Warmbrodt, Esq.
Weltman, Weinberg and Reis Co., LPA
436 Seventh Avenue, Suite 1400
Pittsburgh, PA 15219
Attorney for Plaintiff
Ashley M. Derr, Esq.
Joe Murphy, Esq.
The J. Murphy Firm
210 Grant Street, Suite 301
Pittsburgh, PA 15219
Attorneys for Defendants
Jayne A. Garver, Esq.
6723 Allentown Blvd.
Harrisburg, PA 17112
Local counsel for Defendants
8
I
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,'-
PENNSYLVANIA rim ', f
CIVIL DIVISION
DISCOVER BANK,
79
Plaintiff(s)
Docket No.: 11-3121-CIVIL'. 7
V.
DOUGLASS & SERLA ROSS,
ANSWER TO AMENDED
COMPLAINT
Defendant(s)
Filed on Behalf of:
DEFENDANT
Counsel for this Party:
Joseph P. Murphy
83120
THE J. MURPHY FIRM
210 GRANT STREET, #301
PITTSBURGH, PA 15219
(412)521-2000
161N
Ir
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK,
Plaintiff(s)
V.
DOUGLASS & SERLA ROSS
Defendant(s)
Docket No.: 11-3121-CIVIL
Certificate of Service
I do solemnly swear that a true and correct copy of the within
ANSWER TO AMENDED COMPLAINT was delivered to the below party or
counsel therefore as follows:
Sarah Ehasz, Esq.
Weltman Law Firm
436 7th Ave, *1400
Pittsburgh, PA 15219
[ X ] Via First Class U.S. Mail,
Postage Pre-Paid [ ] Via Facsimile:
[ ] Via Certified U.S. Mail, Postage [ ] Via Express Mail
Pre-Paid Carrier:
Article NuM, ber
[ ] Via Certified U.S. Mail, Po Other Method as follows:
Pre-Paid, Return Receipt Re este .
Joseph P/M phy
10/02/,01
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK,
Plaintiff(s)
Docket No.: 11-3121
V.
DOUGLAS ROSS AND SERLA ROSS
Defendant(s)
Answer To Amended Complaint
ANS NOW, come(s) Defendants, by and through counsel, the J.
Murphy Firm, and Joseph P. Murphy, and bring(s) and files the within
ANSWER TO AMENDED COMPLAINT, averring in support thereof as follows:
1. Unknown to this answering Defendant what the business structure
of Plaintiff is.
2. Admitted.
3. Denied, §4122 doesn't work that way.
4. No reply required.
5. Denied, this was acceptance of an odder that Plaintiff solicited from
Defendants.
6. Denied for the same reason set forth in #5, above.
7. Admitted that the card was used.
8. Admitted that some statements were received. Defendant is unable
to admit or deny that these were send "every month," or "pursuant
to the terms and conditions of the cardholder agreement," and the
remainder of this paragraph.
9. The agreement speaks for itself.
10. Unable to admit or deny that this was monthly, was sent monthly
or that this was even allowed under the original agreement.
11. Unable to remember when payment was last made.
12. This is a legal conclusion to which no reply is required.
13. Unable to audit Plaintiff's calculations.
14. The agreement speaks for itself.
15. The agreement speaks for itself.
16. This is a legal conclusion to which no reply is required.
17. The agreement speaks for itself.
18. Unable to admit or deny this amount or its reasonableness.
19. No reply required.
20. Admitted.
21. Admitted.
22. Admitted that payment has not been made in some time.
Respectfully-Sibm
Murphy
10-
( sel for Defendants)
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK,
Plaintiff(s)
Docket No.: 11-3121-CIVIL
V.
DOUGLASS & SERLA ROSS
Defendant(s)
VERIFICATION
We do solemnly swear that the averments in the foregoing answer to
amended complaint are true and correct to the vest of our knowledge,
information and belief. We make this verification subject to the penalties set
forth in 18 Pa. C.S. 4904, relating to unsworn falsification to authorities.
Douglass Ross Date
Serla Ross Date
4" 0) 9-q 6 6 (4s -
I
1 v L' 2f' ?U^ IN THE COURT OF COMMON PLEAS OF
CUMBERLAND COUNTY, PENNSYLVANIA
SeAk
P, rs Q'd
RULE 1312-1
NO. ( , 0 - 20 11
. c?
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rn Co
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PETITION FOR APPOINTMEI'?TT OF ARBITRATORS -A
The Petition for Appointment of Arbitrators shall be substantially in tlc)
Following form: x CD
TO THE HONORABLE, THE JUDGES OF SAID COURT:
counsel for the lainti in the above
action (or actions), respec ly represents that:
1. The shove-captioned action (mss) is FwO at issue.
2. The claim of plaintiff in the action is S 13, d6 Z , q'y
The following attorneys are interested in the case(s) as counsel or are otherwise disqualified to sit
as arbitrators:
J70 Ieok
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Ca
I
WHEREFORE, your petitioner prays your Honorable Court to appoint three (3) arbitrators to
whom the case shall be submitted.
R.cspeetfuIly sub tte
ORDER OF COURT
AND NO Vv, /o2 , 209A in consideration of the
got ° '
AL ?: CD
ca
petition, -- Esq., and e=' Z
Esq., and , ?,?[??7 Esq., area o
itrators in?f?a?bo`-c- y'"-
y,'
--t C) .aptioned. a; lon 'or actions` ;;rayed for. - '
By the Court,
'? .Sara A C. J_X45 z_ E f Kevin A. Mess, *,26.5o PA AnY
y , Cs'f C1t I0.'So5118
69
P; e_s /r'e? /?/ 7/ia ? 021091x31
.
CERTIFICATE OF SERVICE
A true and correct copy of the within Petition for Appointment of Arbitrators, for an Arbitration Hearing,
has been served by U.S. Mail, Postage Pre-Paid, on a !g"' of g- r Lx--K 120 It upon the
following:
JOSEPH MURPHY, ESQUIRE
THE J. MURPHY FIRM
210 GRANT STREET, SUITE 301
PITTSBURGH, PA. 15219
By:
DISCOVER BANK, IN THE COURT OF COMMON PLEAS OF
Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA :
VS. CIVIL ACTION - LAW
NO. 11-3121 CIVIL
DOUGLAS E. ROSS and
SERLA E. ROSS,
Defendants
ORDER
AND NOW, this Z,? day of February, 2012, the appointment of John W. Carter,
Esquire, as a member of the Board of Arbitrators in the above-captioned case is VACATED.
Hannah Herman-Snyder, Esquire, is appointed in his place.
BY THE COURT,
Kevin . Hess, P. J.
Jeffrey B. Rettig, Esquire
Chairman
V Hannah Herman-Snyder, Esquire
Court Administrator ?7 ev
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DISCOVERY BANK
In the Court of Common Pleas of Cumberland
Vaiff
. ROSS County, Pennsylvania No. 11 _3121
DOUGLAS E. ROSS and SERLA
Defendant
Civil Action - Law.
Oath
We do solemnly swear (or affirm) that we will support, obey and defend the Constitution of the United States
and the Consti tion of this Commonwealth and that we will s arge the duties of our office with fidelity.
05 ?-z
Si nature Sig ure Signature
effrey B. Rettig, Esquire raig Hatch, Esquire Hannah F. Herman-Snyder, Esquire
Name (Chairman) Name Name
Johnson Duffle Stewart & Weidner Gates, Halbruner, Hatch & Guise, P.C. Griffie & Associates
Law Firm Law Firm Law Firm
301 Market Street 10 13 Mumma Road, Suite 100 200 North Hanover Street
Address Address Address
Lemoyne 17043 Lemoyne 17043 Carlisle 17013
City, Zip City, Zip City, Zip
Award
We, the undersigned arbitrators, having been duly appointed and sworn (or affirmed), make the following
award: (Note: If damages for delay are awarded, they shall be separately stated.)
rgi"Oot a e ?Ga /_n 17 "'? / N ?/ e
'Yn0vav1- d>L , QGZ C? 9 ,
.Arbitrator, dissents. (Insert name if applicable.)
Date of Hearing: June 18, 2012
Date of Award: <? r P? Zp 2 /Q - (Chairman)
Notice of Entry of Award
Now, the /9' day of , 20 /Z , at A M., the above
award was entered upon the docke and notice thereof given by mail to the parties or their attorneys.
l: $ y?l . s
By:
Deputy
jE: I $ a.
PENN"; SANIA
ra L- Z.,
*es fez,
G
Q ,-
11
IN THE COURT OF COMMON PLEAS CV CUMBERLAND LAND COUNTY, PENNSYLVANIA
CIVIL
DISCOVER BANK
Plaintiff
vs.
DOUGLAS E ROSS
AND SERLA E ROSS
Defendant
No. 11-3121 CIVIL
PRAECIPE FOR JUDGMENT ON AWARD
OF ARBITRATORS
m M
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF -
THIS PARTY:
VViAiam T Molczan, Esquire
PA 1.0.047437
Weitman, Weinberg & Reis Co., L.P.A.
1400 Koppers Bldg.
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
W WR#08966465
N
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CA
C # 106!1.i'q3 0
)V'04?c ,?a•/eo[
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cam,
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK
Plaintiff
VS.
DOUGLAS E ROSS
AND SERLA E'ROSS
Civil Action No. 11-3121 CIVIL
Defendant
CAE
TO THE PROTHONOTARY:
Enter Judgment against Defendant, DOUGLAS E ROSS
AND SERLA E ROSS, on the Award of Arbitrators in the amount of $13062.98.
I hereby certify that appropriate Notices of Default,
R.C.P. 237.1 on the dates indicated on the Notices.
as attached have been mailed in
WELTMAN, WEINBERG & REIS CO., L.P.A.
By:
William T Molczan, Es4
4L
PA I.D.*47437
Wean, Weinberg & Reis Co., L.F.A.
1400 Koppers Bldg.
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#08966465
pla*Mtitl's address is: Go Waltman, Weinberg & Reis Co., L.P.A., 1400 Koppers Building, 430 71 Avenue PA 15219 And that the last known address of the Defendantl is: 510 LAMP POST LN, CAMP HILL, PA
with PA
Pittsburgh,
17011
DISCOVERY s BANK In the Court of Common Pleas of Cumberland
``
a
_
DOUGLAS E. ROSS and SERLA V• tSS County, Pennsylvania No. 11 -3121
Defendant
Civil Action - Law.
Oath
We do solemnly swear (or affirm) that we will support, obey and defend the Constitution of the United Stat
t the duties of our office with fidelity.
that we will s a
and the Consti tion of this Commonwealth and
Signature
Si ature Sig re
effre B. Rettig, Esquire raig Hatch, Esquire Hannah F. HernW-Snyder, E
y Name Name
Name (Chairman) G ' ffie Rr A gsociate
Johnson Duffie Stewart & Weidner
Law Firm
301 Market Street
Address
Gates, Halbruner, Hatch & Guise, P.C.
Law Firm
1013 Mumma Road, Suite 100
Address
Lemoyne 17043 Le_
City, Zip City,
n
Law Firm
200 North %anover treet
Address
17043 Carlisle 1
Zip City, L
Award a the f
We, the undersigned arbitrators, having been duly appointed and sworn (or affirmed), m*
award: (Note: If damages for delay are awarded, they shall be separately stated.)
?N
/'?A?Q6L D .e ' li ?. 0 h -/'C 1 e ir 727 o0av7" 6 r X13, 060 - 9
Date of Hearing: June 18, 2012
Date of Award: at 1r, 201
.Arbitrator, dissents. (Insert (name if
Notice of Entry of Award
20
Now, the day of ??•-
award was entered upon the at _-' - /4' - M., the
docke'.d notice thereof given by mail to the parties or their attorneys.
o.mmnensation to be O4 upon appeal: $ ' 116 - S ,/)
/ By:
TRUE COP
ProthonOtalWTestimony whereof, I here unto set my hand
and the seal of said co%at Carlisle, Pa.a
This /r day of 20
Prothonotary
J
13
le.)
Deputy
?t6 6 q65?
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVIS
DISCOVER BANK
Plaintiff
Civil Action No. 11-3121 CIVIL
VS.
DOUGLAS E ROSS
AND SERLA E ROSS
Defendant
un??cE OF JU -ORDER
TO: ( ) Plaintiff
(xx) Defendant
( ) Garnishee
you are hereby notified that the
fo8owing order or Judg lm?_o entered against you on
(xx) Assumpsit Judgment in the amount
of $13082.98 Plus costs.
( ) Trespass Judgment in the amount
of $ Plus costs.
( ) If not satisfied within sixty (80)
days, your motor vehicle oPeraos license and/or r'
Department of Transportation, reau of Ti
suspended by the Harrisburg, PA.
(xx) Entry of Judgment of
( ) Court Order
( ) Non-Pros
( ) Confession
( ) Default
( ) Verdict
(xx) Arbitration
Award
DOUGLAS E ROSS / r"
SERLA ROSS By:
510 LAMP POST LN PROTIPJWJ `
CAMP HILL, PA 17011
be
Safety,
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Ronny R Anderson
Sheriff
Jody S Smith
Chief Deputy
Richard W Stewart
Solicitor
N ~.
-;~~: ~ ,_
-%
Discover Bank
Case Number
vs.
Douglas E. Ross (et al.) 2011-3121
SHERIFF'S RETURN OF SERVICE
10/16/2012 08:45 AM -Amanda Cobaugh, Deputy Sheriff, who being duly sworn according to law, states that on
Octok~er 16, 2012 at 0845 hours, attached as herein commanded all goods, chattels, rights, debts, credits,
and monies of the within named defendants, to wit: Douglas E. Ross anti Serla E. Ross. in the hands,
possession, or control of the within named garnishee, PNC Bank, 105 Noble Boulevard., Carlisle,
Cumberland County, Pennsylvania, by handing to Susan Casale, Financial Sales Consultant, personally
three copies of interrogatories together with three true and attested copies of the writ of execution and
made the contents there of known to her.
The vvrit of execution and notice to defendant was mailed on October 17, 2012 to Douglas E Ross at 510
Lamp Post Lane, (:amp Hill, PA 17011 and to Serla e. Ross at 510 Lamp Post Lane, Camp Hill, PA 17011.
SO ANSWERS,
_~~~~' -
October 17, 2012 RONNY R ANDERSON. SHERIFF
Amanda Cobaugh, Depth
WELTMAN, WEINBERG &REIS CO., L.P.A.
BY: William T. Molczan, Esquire Attorney for Plaintiff(s)
I.D. No.uF7437
436 Seventh Avenue, Suite 1400
Pittsburgh, PA 15219
Phone: 412.434.7955
Fax: 412.434.7959
File # 8966465
DISCOU'ER BANK
CUMBERLAND County
Court of Common Pleas
vs.
DOUGLAS E ROSS,
SERLA E ROSS,
NO. 11-3121 CIVIL
and
PNC BANK
(garnishee(s)
PRAECIPE TO DISCONTINUE ATTACHMENT EXECUTION
TO THE: PROTHONOTARY:
Itindly mark the above matter discontinued and ended as to Garnishee(s), PNC BANK., ..
only.
WELTMAN, WEINBERG &REIS CO., L.P.A.
By ~~ ' ~,/~U ~~
William T. olczan, quire
Attorney for Plaint' f
~~~ ~~ ~
~~ ~o~Q~l~~y
~~I a sat u ~
SHERIFF'S OFFICE OF CUMBERLAND COUNTY
Anderson
��t��t�r
S Smith
ief Deputy "{
Richard W Stewart # q }[ } -y
Solicitor
OFF fCEOFTH S+,ERIFw '? MBER „i`1iD
3
Discover Bank
Case Number
vs.
Douglas E. Ross{et al.) 2011-3121
SHERIFF'S RETURN OF SERVICE
10/16/2012 08:45 AM-Amanda Cobaugh, Deputy Sheriff,who being duly sworn according to law, states that on
October 16, 2012 at 0845 hours, attached as herein commanded all goods, chattels, rights, debts,
credits, and monies of the within named defendants,to wit: Douglas E. Ross and Serla E. Ross, in the
hands, possession,or control of the within named garnishee, PNC Bank, 105 Noble Boulevard, Carlisle,
Cumberland County, Pennsylvania, by handing to Susan Casale, Financial Sales Consultant, personally
three copies of interrogatories together with three true and attested copies of the writ of execution and
made the contents there of known to her.
The writ of execution and notice to defendant was mailed on October 17, 2012 to Douglas E. Ross at 510
Lamp Post Lane, Camp Hill, PA 17011 and to Serla e. Ross at 510 Lamp Post Lane, Camp Hill, PA
17011.
06/03/2013 Ronny R.Anderson, Sheriff, who being duly sworn according to law, states this writ of execution is
returned as ABANDONED. No action on writ in over 6 months.
SHERIFF COST: $98.60 SO ANSWERS,
June 03, 2013 RON R ANDERSON, SHERIFF
2
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