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HomeMy WebLinkAbout11-3324 G THE P,1TND TARY 2C} 1 MAR 23 PM 3: 06 CUMBERLAND COUNTY PENNSYLVANIA IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK // Plaintiff No: VS. COMPLAINT IN CIVIL ACTION NATALIA DELAROSA Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt,42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 08985507 C A Pit CXC IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. Civil Action No NATALIA DELAROSA Defendant COMPLAINT AND NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 COMPLAINT 1. Plaintiff, DISCOVER BANK is a corporation with offices at 6500 NEW ALBANY ROAD NEW ALBANY , OH 43054 2. Defendant is adult individual(s) residing at the address listed below: NATALIA DELAROSA 620 BRENTON ST SHIPPENSBURG, PA 17257 3. Defendant applied for and received a credit card bearing the account number XXXXXXXXXXXX0453 . 4. Defendant made use of said credit card and has a current balance due of $6015.56 , as of January 05, 2011 . 5. Defendant is in default by failing to make monthly payments when due. As such, the entire balance is immediately due and payable to Plaintiff. 6. Plaintiff is entitled to the addition of interest at the rate of 28.99016 per annum on the unpaid balance from January 05, 2011 . A copy of Plaintiff's STATEMENT is attached hereto, marked as Exhibit 11111 and made a part hereof. 7. Plaintiff avers that the Agreement between the parties provides that Defendant will pay Plaintiff's attorneys' fees. 8. Plaintiff avers that such attorneys' fees will amount to $125.00 . 9. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the balance due to Plaintiff. Wherefore, the Plaintiff prays for Judgment in its favor and against Defendant , NATALIA DELAROSA INDIVIDUALLY , in the amount of $6015.56 with interest at the rate of 28.990% per annum from January 05, 2011 plus attorneys' fees of $125.00 , and costs. fames WELTMA 436 Se Pitts (412) FAX: 0898 5 This law firm is a debt collector attem our client and any information obtained Warm ro t,42524 WEINBERG & REIS CO., L.P.A. th Avenue, Suite 1400 h, PA 15219 -7955 338-7130 C A Pit CXC to collect this debt for be used for that purpose. -- DISCOVER New Balance Minimum Payment Due $0.00 $1,257.00 Payment Due Dale June 28, 2010 31 SDSN6A01 0001256 NATALIA DE LA ROSA 620 BRENTON ST SHIPPENSBURG PA 17257-2114 Address, e-mail or telephone change? Go to www.Discover.com or print change in space above. 000001986458261760835000000000000000125700 Opening Date: May 17, 2010 - Closing Dale: May 31, 2010 Discover More Card Account Summary Account number ending in 0453 Previous Bakmce $6,015.56 Payments And Credits 6,015.56 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Finance Charges + 0.00 Other Fees t + 0.00 New Balance X0.00 See Finance Charge Summary section following transactions for detailed APR information Credit Line $4,100.00 Credit Line-Available $0.00 Cash Advance Credit Line $2,200.00 Cash Advance Credit Line Available $0.00 t See transaction detail for a description of any fees ow as onus ns ert? 0.00 assistance, please call 1.804347.7449 CashbadcBerms Balance $ 0.00 To learn man, log in at www.Discovw.com and select Rewards Transactions Da ate Payments and credits May 31 May 31 INTERNAL CHARGE-OFF $ -6,015.56 Account Number ending in 0453 Enter Amount Enclosed Below $ 1 Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discovercomlpaperless. PO BOX 6103 111111 11 11111 11 1 aIIIIIIIIII CAROL STREAM IL 60197-6103 Irllrellrerirrlllnlnirnlnllnrrnnllllnrnll Inliurerllnlrlll page 1 of 1 Payment Information New Balance $0.00 Minimum Payment Due $1,257.00 Payment Due Date June 28, 2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $39.00 and your purchase APRs for new twnsacfions may be increased up to the Default APR of 29.99% variable. Manage Your Account Online at www.Discovw.com Securely access statements and free online tools, pay bills online and track and view all transactions simply and easily Make your money worth moresm -find easy ways to cam sand todoom cash rewards. NEWT Access your account securely through your mobile phone 3 Easy Ways co Contact Us ryw?5 ff 1 Access your account securely at wvrw.Discover.cam 2. Call 1.800-DISCOVER (1-804347-2683) CaS C Bonuse Please have your Discover* card available Anniversary Month 3. Write to us at Discover; PO Box 30943, January Soh Lake City, UT 84130 Opening Cashback Bonus Balance $ 0.00 For TDD (Telecommunications Device for the Deaf) N C hback B Th' P 'od + Finance Charge Summary___ Average Daily current billing period: 15 days Balances $0 $0 V - Variable Rate Nominal Other Daily P U Fee PERCENTAGE P ERCE NTTAGE FEE Rates RATES RATES CHARGES CHAMS 0.07942% 28.99% 28.99% $0 $0 0.07942% 28.99% 28.99% $0 $0 See reverse side. DISCOVER Important Information. It there is more than one page to this bing statement, see the back of each page for ackfftiohal it r IPxlant Infomwl on. V See your Cardmembw Agreement Your Canlmember Agreement contains all the terms of your Account. Z Lost or stolen cards. Report immediately! Call i-SM-347.2683. Biting Rights Summary. In Case of Ertas or Questions About Your BiN: If you think your fats wrong, or if you need more information about a transaction on your bit write to us :a 0 , separate sheet of flap, A Discover. PO Box 30421. Sall Lake City. UT 84130-D421. as soon as possible. We milst hear from younor later than 60 days after we sent you the first I•. in wrhfch the error or problem appeIned. You can telephone us, but doing so will not preserve your rights. In your deter. give us the following information: Your name and A.ccant number. ro The dollar amount of tie suspected error. m Describe the error and explain, it you can, why you believe there is an error. t you need more information. describe the item pi are unsure about X . You do not have to pay any amount in question whale we. are investgahlg, but you are still obligated to pay thr parts of yrna till that are not in question. While we investigate your c" question we cannot reh:,xl you as delinquent or take any action to collect the amount you que;Ivin. Special Rule for Credit Card Purchases: It you have a problem with the qual ly of goods or services that YOU purchased with a credit card, and you have tried in good faits to correct the problem with the merchant you may not have to pay the remaining amount due on Ine goods or services. You have this protection Only when ire pcachese price was more than ,50 and the purchase was made in your home stale or vllhln 100 Fillies d your matling address. (if we own cv operale the merchant, or 4 we mailed you file advertisement for the goods or services, all purchases am covered regardless of the amount or locatiai of purchase ) Payments. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending yew cheed, as described above you au"ze us to , use inlorrnaW.en Oct your check to crake an electronic fund lranster from your account at the financial insfit l n udk tiled ah your cherk a to praress the payment as a :heck tran%ix I,on If payment is processed as an electronic find transfer, the transfer will be for the amount of the check. When ware use nforma6on from your chw:k to intake an electronic fund transfer , funds may he withdrawn from your account as saw as the saute day ova 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. corespondance or other items with your payrnoit, if you send the payment to any other address OF if you use an onvc4e o1her than the one provided. Payments received in proper form at our processing facility by 5Pfr1 ka:i tube on 4i-,y day 'oll be credited le your Account as of that day Payments . zr crvcd it M nano- ,,nn, I I ty after 'PM ki, it fine ill • cnklled to sour AO : urt as et Ili - nest day If y, have mist r I v..oi evavelnt e ;end your paynhrnt to Dismver, PO Box " '('.!1 , 111 t;ii. Ji-ri-''J.f ,,z T: r! -1 y ar ir M -dl: ;n it Ste"n1:"MI IFdL1 IeSi,!n Il85dn(=lcirolftilianl. You can pay your nanknum payment Ora greater amount over the telephone, and you can set up automatic payrne is Cal us al 180347-2683. You will need its sgtermenl and v, -u bank account Information. You most ensure that sutNCeM hinds ore available in your bank account and all trans a "s most comply with U.S. law. You will be asked to provide thr I: •t 5 digits of your account stTernenl ZIP cafe. By entering Muse nunllers as your electronic signature, YOU VAN be agreeing to this authorization to allow us and your bank to deduct ,• 'n payment you authorize from your bank mount, aid to ndnale da to Of credit entries to your bank account, as applicable, to mrect an error in the processing of such payment You I! ,I tell its the amount of each payment or you can select ah aviiount such as the h4nimum Payment Due or Vie New Balance on each statement Y l . ou can cance a payment. however we. must receive notice al leas[ three business days in advh+nce of the saheduILA payment You may notify us by phone 311.8p1347-2663 or by filed at the address listed in the previous paragraph. If your payments vary in amount we will tell you at each monthly statement when your paym it will be made and how much t will be, Your automatic payment anounl may tie less than indicated on the monthly skahnnent based on credits or payments applied durhhg the billrg cycle. Credit Reporting. We may repot infamabon about your Account to credit bureaus. Late payments, messed paymords, or other detailts on your Account may be retecled in your ch. M report. We normally report the status and payment history of your Account to credit reporting agenccias each month, t you believe that our report is inaccurate or incomplete, please wnti us at tie following address: D scover, PO Box 15316 Mirn rngioh DE 19850-5316 Please in lud , , . c e your name. address: home telephone nurrhber and Account nurnbw.. Grace Period on Purchases tat least 25 days). We begin to Impose Periodic Finance Charges on all Ira sach;rxs front the Transaction Dale for the transaction sham on your biting t s atement, unless a nansactien is posted to your Account after the close of the biking period in which f occurs, in which case we begin in impose Perudic Finance Charges on that traahsacbm from the fist day of the billing period in which it is posted to your Account. We continue to impose Periodic Finance Charges unld the date you pay your entire New Balance shown on your billing statement by matting payments or receiving credits. However, it you pad the New Balance on your previous billing staenent by the Payment Due Dale shown m cab Mat biting state ent we wad not knpose Peradk Finarxe. Charges of now purchases, dial is, Purchases first appearing on the.::unent billing statement or any portion of a now , purchase, paid by the Payment Die Date on your current biting statement. We cat this the "grace period- There is no grace period on balance banskrs or cash advances. As more fully described in the section of your Cardmanber Agreement filed "How WeApply Payments we generally a l ll Ms t A . p y " o your ccount based on the Annual Percentage Rate applimi le to the ballaxe of each transaction category. This #views that it you do not pay the New Balance on tie current bring stalemeil by tai Payment Due Dale shawl on Mat bolting t t t th d s a emen , en, epending on the amount of your payment and the Annual Percentage Rates on ,tier balances, you may not get a grace period on new purchases, kknimum Finance Charge. We will charge you a minx num FINANCE CHARGE of 5.50 for any rifting period in which Periodic Feunce Charges of less than $50 wad elterwi b se e imposed. Annual Fee. t yourA,.count has an annual fee, t vd ter hlled at flip beginning of ear h annive; iry vear tier Amount is otpen. The amcan! of the fee appears on the statement when 1; hIlcrt Thinm:rll r, ,i? rid 4'.m T,?59'yr t ty') •tril an 6sh f t ' , r ly.. i i i6r1,dc 4,: d;de of ,4!cm ill rai which the fro is t f,,l? wi l I. ;I•. Ietla Hl !! f ;1 I?r y<ur t Ord our 1, '1• t pr.':had. - ' Periodic Finance Charges. We sal your transactions into groups of purchases, cash advances, and balance transfers and then further son the transactions within each group by their Annual Percentage Rate. For example, purchases subject to 3 promotional rate and purchases sub ect to a stand d t d t j ar ra e v an ie separate groups, We refer to these groups as transaction categories. At the end of each billing period, we compute halal Ices and Periodic Finance Changes far each day of the billing period for each hansactio n category We use me f ll i . o ow ng equation to corrpule Periokc Finance Charges for ea h transx+ on categorj: (Average y la Ba del times (days in billnig perx>d) times (Daily Periodic, Rafe), DDal ? / ? ? l? You ra? hepeyhararv 7inance Charge Summary on your biting statement lour these amounts Then dd P . we a up its eriodic Finance Charges for each transaction category to get #xi kcal Periodic Finance Charges for yrurAccount, The Average Daly Baiance is shown as zero t. L+;cause of the grace period. no Periodic Finance Charges apply to the balance in t a ransaction category . The Daly Periodic Rate is 113651n of the correspandng Annual Percentage Rate. We use the Average Dairy Balance (Including new transactions) method of +:*culating the balance upon which we impose Periodic Finance Charges. We compute the Average Daily Balance for each transaction ratogory, by adding up At the dally balaex:s in a billing period for a transaction d i ci egay and d vadzig the total by the mwrrber of days m the billing period. We compute the daily balance for each transaction category, on eadil day by first adding the foto+hxhg to to previous day's daily balance: transactions with a Transaction Dale of th t a day as shown on your tolling statement, unless the Iransarlion is rosled to your Axount afar the close of the bang period in which it occurs, in which case the transaction will be adckxl to the daily balance as of the first day of Me tilling period in which it is posted to your Acc uml, fees charged that day and Per indic Finance Charges axrued on the previous da 's da f b l l y v a an the tie: and Le vve. consider The he any clocks and pa jnhents trial are appked against the balance of the transaction category a-i that day. In calculating Me daily ba ence for the ! rsl u?y of billing period, previous day's daily balance' to have been your balance for each trans ti ac on cakgoy cub line last day of your previous tlgng period. All fees charged to your Account are added to the standard purchase transaction category with the excep for of Cash Advance Transaction Fee Finance Charges which are adder[ 'tie applicable cash advance transaction category and Balance Transfer Transaction Fee Financ Ch hi h e arges w c are added to the applicable balance transfer Iransagbon category. For TDD (Telecommurucallotis Device for the Deaf) assistance, please call 1.800.347.7449. Discover may monitor aridly record teiepfhcne cats behvem you and Discover representatives for quality assurance purposes. fOl0 The D+sc over' card is issued by Discover Bank, Kiempan FDIC PAO,10 VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA.C.S. §4904 relating to unworn falsifications to authorities, that she is Natasha Szczygiel, Legal Placement Account Manager (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# 8985507 Natalia Delarosa 6011002120310453 Discover Bank, IN THE COURT OF COMMON PLEAS Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA V. : NO. 11-3324 Natalia Delarosa-Martell c") ^131 c% Defendant Civil Action m r Zr,l zft ?s cnr- CERTIFICATE OF SERVICE 3 rn , 1 Amy Hirakis Esquire of MidPenn Legal Services attorney for the Defend ?tia , , , , , Natalia Delarosa-Martell, hereby certify that I have served a copy of Defendant's Preliminary Objections to Plaintiff's Complaint on April 20, 2011, and in the manner indicated below: U.S. First Class Mail, Postage Pre-Paid James C. Warmbrodt, Esq., Esquire Weltman, Weinberg & Reis Co., L.P.A. 436 Seventh Ave., Suite 1400 Pittsburg, PA 15129 Date: Y' "90 - aq/ MidPenn Legal Services 0"(,W,a zto-?, Amy skis, Esq. Atto y for Defendant Supreme Ct. ID No. 310094 401 E. Louther Street, Suite 103 Carlisle, PA 17013 (717) 243-9400, ext. 2513 DISCOVER BANK, IN THE COURT OF COMMON PLEAS OF Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA VS. CIVIL ACTION - LAW NO. 11-3324 CIVIL NATALIA DELAROSA, : Defendant ORDER AND NOW, this .2 / ` day of March, 2012, the appointment of Elizabeth Karnezos, Esquire, as a member of the Board of Arbitrators in the above-captioned case is VACATED. Craig Kauzlarich, Esquire, is appointed in her place. Jerry A. Weigle, Esquire Chairman - 60t-1 g ; oeo -- Court Administrator :rlm WL. BY THE COURT, ?12 Kevi A. Hess, P. J. c MC0 :ZM r- ?T rv CD t`J P 1 E? ? ?? g ???'? IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYP`NI ` ?w-' CIVIL DIVISION Wiz' ::0 ca?+` -w . . N) -C> I\) r c:: r- TMtr ; DISCOVER BANK,- Plaintiff, Case No.: 11-3324-CIVIL vs. NATALIA DELAROSA, Defendant. MOTION FOR SUMMARY JUDGMENT FILED ON BEHALF OF: Plaintiff COUNSEL OF RECORD OF THIS PARTY: Matthew D. Urban, Esquire PA ID# 90963 Weltman,Weinberg & Reis CO L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 WWR# 8985507 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff, Case No.: 11-3324-CIVIL vs. MOTION FOR SUMMARY JUDGMENT NATALIA DELAROSA, Defendant. MOTION FOR SUMMARY JUDGMENT AND NOW COMES, Plaintiff, by and through its counsel, Weltman, Weinberg & Reis, Co., L.P.A., and hereby files this Motion for Summary Judgment against the Defendant. In support thereof, Plaintiff avers as follows: 1. Plaintiff filed an Amended Complaint against Defendant seeking judgment in the amount of $5,655.97 with interest at the interest rate of 6.00% per annum from March 16, 2011, and costs. A true and correct copy of the Amended Complaint is attached hereto as Exhibit "A" and made a part hereof. 2. Attached to the Amended Complaint was Verification from an authorized representative of Plaintiff verifying the accuracy of the amount sought. See Exhibit "A". 3. Defendant filed an Answer to Plaintiff's Amended Complaint. A true and correct copy of the Answer is attached hereto as Exhibit "B" and made a part hereof. 4. On or around October 5, 2011, Plaintiff served upon Defendant a set of requests for admissions and requests for production of documents. A true and correct copy of the same (with exclusion of the monthly statements and the cardmember agreements to avoid redundancy) is attached hereto as Exhibit "C" and made a part hereof. 5. No response to the discovery demands has been received from the Defendant. 6. The requests for admissions are now deemed admitted under Pennsylvania Rule of Civil Procedure 4014(b). Thus Defendant has admitted that she has made no payment on the credit card since WWR# 8985507 November 13, 2009; that she applied for the credit card; that the statements attached to Plaintiffs Discovery Request correctly identify the payments, charges, and balances on the account; that she has not submitted any written disputes as to billing inaccuracies; and that $5,655.97 is a correct and accurate balance on the credit card account. 7. By way of her Answer, the documents attached to this Motion, and the Requests for Admissions, deemed admitted under Pa.R.C.P. 4014(b), the Defendant has admitted all facts material to this matter and verified the amount owed. 8. There are no meritorious defenses against this action and Plaintiff is entitled to summary judgment as a matter of Law against defendant. WHEREFORE, Plaintiff respectfully requests that this Honorable Court grant summary judgment in favor of Plaintiff and against Defendant for $5,655.97 with interest at the legal interest rate of 6.00% per annum from March 16, 2011, and costs. Respectfully Submitted: By: Matthew D. Urban, Esquire PA ID# 90963 Weltman,Weinberg & Reis CO L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 WWR# 8985507 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION DISCOVER BANK, Plaintiff, v. NATALIA DELAROSA, Defendant NO.: 11-3324-CIVIL TYPE OF PLEADING: AMENDED COMPLAINT FILED ON BEHALF OF: Plaintiff COUNSEL OF RECORD OF THIS PARTY: Submitted by: Plaintiff James C. Warmbrodt, Esquire PA I.D. 42524 WELTMAN, WEINBERG & REIS CO., L.P.A 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR: 8985507 EXHIBIT IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff VS. Civil Action No. 11-3324-CIVIL NATALIA DELAROSA 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 STREET 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 1. Plaintiff, Discover Bank, is a corporation with offices at 6500 New Albany Road, New Albany OH 43054. 2. Defendant, Natalia, is an adult individual residing at 620 Brenton Street, Shippensburg, PA 17257. 3. DB Servicing Corporation is the servicing affiliate of Discover Bank, f/k/a Greenwood Trust Company, an FDIC-insured Delaware State Bank. As the servicing affiliate, DB Servicing Corporation performs a variety of Services for Discover Bank including, among other things, the collection of delinquent accounts. The collection of delinquent accounts includes the right to forward the account to the attorneys and/or collection agencies for collection and to file suit on Discover Bank's behalf. At all times pertinent hereto, DB Servicing Corporation is the servicing agent of Discover Bank, in reference to the Defendant's account, which is the subject of this litigation. 4. Foreign business corporations must procure a certificate of authority from the Department of Sate before doing business in this Commonwealth. 15 Pa C.S.A § 4121 (a). 5. A foreign company engaged in debt acquisition and collection activities in Pennsylvania is not doing business within the meaning of this registration statute. 6. Plaintiff is attempting to collect a debt from the Defendants and the filing of the instant action falls within the categories of activities not considered as doing business in this Commonwealth pursuant to 15 Pa C.S.A. § 4122. COUNT I-BREACH OF CONTRACT 7. The averments contained in Paragraph 1-6 are incorporated herein by reference thereto as though herein set forth at length. 8. The Plaintiff made an offer to the Defendant to open a credit card account by mailing a Discover Bank credit card, bearing account number 6011002120310453 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 "1." 9. Defendant subsequently accepted Plaintiffs offer to open the above credit card account by using said card to take cash advances and purchase goods, merchandise and services- 10. 10. Defendant continued to use the credit card to purchase goods, merchandise, and services and take cash advances. 11. Each month, pursuant to the terms and conditions of the cardholder agreement, the Plaintiff sent the Defendant a monthly statement setting forth the charges and payments made, if any, by the Defendant and the applicable interest rate. A true and correct copy of the Defendant's monthly statements from March 16, 2005 to March 16, 2010 are attached hereto and made a part hereof as Exhibit "2." 12. Pursuant to the terms and conditions of the cardholder agreement, the Defendant was required to pay the total balance due or in the alternative the minimum monthly payment as stated in the monthly statements sent to the Defendant. 13. Defendant subsequently made periodic charges and payments on the account with the last payment made on the aforementioned account occurring on November 13, 2009 in the amount of $50.00. 14. Defendant breached the terms and conditions of the agreement between the parties by failing to pay the balance due or make the required monthly payment. 15. The balance due and owing to the Plaintiff on the aforementioned credit card account as of March 16, 2011 was $5655.97. 16. Pursuant to the cardholder agreement, the Plaintiff is entitled to continuing finance charges on any unpaid balances as described in the cardholder agreement and set forth on the Defendant's monthly statement. 17. Although repeatedly requested to do so by Plaintiff, Defendant has breached the terms of the cardholder agreement by willfully failing and/or refusing to pay the principal balance, finance charges or any part thereof to Plaintiff. WHEREFORE, Plaintiff demands judgment in its favor and against the Defendant, Natalia Delarosa in the amount of $5655.97, with interest at the rate of 6% per annum from March 16, 201 Ito date of judgment and costs. COUNT II-UNJUST ENRICHMENT 18. The averments contained in Paragraph 1 through 17 above, are incorporated herein by reference thereto as though herein set forth at length. 19. Defendant used her Discover Bank credit card to purchased goods, merchandise, and services. 20. By making use of said card, the Defendant has had a benefit conferred upon her through the use and enjoyment of those goods, merchandise and services purchased. 21. Defendant, despite requests to do so, has willfully failed to re-pay the Plaintiff the amounts due as set forth in the monthly statements, attached as Exhibit "2" and as such has improperly retained the benefit(s) conferred upon him/her without payment of value in return to the Plaintiff. WHEREFORE, Plaintiff demands judgment in its favor and against Defendant Natalia Delarosain an amount less than the arbitration limits with interest at the rate of 6% per annum from March 16, 201 Ito the date of judgment and costs. Submitted, James brodt, Esquire q F.D 425 4 WEL A , WEINBERG & REFS, CO., L.P.A 436 eve Avenue Suit 14 PittJbVgh, PA 15219 (41 ) I34-7955 Fax: (412) 434-7959 WWR # 8985507 Aug. 3. 2011 2:35PM No. 1418 P. 2/2 VERIFICATION Natasha Szcz 'el Legal Placement Account Manager _ (Name) (Title) of DB does hereby verify, under penalty of perjury and subject to the penalties of 18 Pa. C.S. § 4904 relating to unworn 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 S ervicing 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 rile suit on Discover Bank's behalf. Both DB Servicing Corporation and Discover Bank are wholly owned subsidiaries of Discover Financial Services. i Date c t NATALIA DELAROSA 6411002120310453 WWR#8985507 DB Servicing Corporation servicing affiliate for Discover Bank PO Box 3025 New Albany, CH 43054 DISCOVER' YOUR DISCOVER! ACCOUNT CARDMEMBER AGREEMENT ................ Pages 1-13 The terms and conditions of your Account including how we calculate finance charges, our fees and an Arbitration of Disputes section. You have the right to reject the arbitration provision with respect to your new Account within 30 days after receiving your Card, as explained in the "Right to Reject Arbitration" section at page 13. PRIVACY POLICY ......................... Pages 13-16 A summary of the personal information we collect, when it may be shared with others, and how we safeguard the confidentiality and security of information. You may limit our sharing of such information with others as explained in section 4 of the Privacy Policy at page 15. BILLING RIGHTS ..........................Pages 16-18 Important information about your rights and our responsibilities under the Fair Credit Billing Act DESCRIPTION OF COVERAGE ............... Pages 18-25 The terms and conditions of the Scheduled Air Travel Accident Insurance and the Secondary Rental Car Collision Coverage that is provided at no charge to you when you use your Card to purchase airline tickets or rent an automobile. GLOBAL TRAVELER'S HOTLINE ..................Page 25 The terms and conditions of this free travel assistance benefit. 02010 Discover Bank, Member FDIC TL22H.0210 10DCM0_02BOILTL22H0210_01363_reader.hdd 1-2 12115/09 1:37,03 PM CARDMEMBER AGREEMENT Please read this Agreement carefully before using your Discovers Card Account. It contacts the terms and caditions of your Account, some of which may have changed from earlier materials provided to you. In the event of any di fererlces, this Agreement shat controL We your privacy. See the Privacy section ? on page 10 and our PrivaIrk for additional information, The ArbitrW of D section on page f1 Includes a waiver of a number of rights, it the r'g ht to a jury trial. The Right to Reject Arbitration section on page 1 desa?ses the procedure you must follow, if you desire to reject the Arbitration of Disputes section. DEFINITIONS.................................................... 2 USING YOUR ACCOUNT ......................................... 2 Your Acceptance of this Agreement ........................... 2 Permitted Uses of Your account ............................... 2 Prohibited Uses of Your Account ............................... 2 Purchases and Cash Advances in Foreign Currencies ............... 3 Cash Advances ...............................................3 Balance Transfers ............................................ 3 Credit Authorizations ........................................ 3 Authorized Users ............. 3 Unauthorized Use ........................................... 3 Your Credit Lines ............................................ 4 CHANGES TO THIS AGREEMENT ....... . .. .. . .... . .. . MAIONG PAYMENTS.. . .......................................... 4 Promise to Pay .............................................. 4 Monthly Billing Statement .................................... 4 Monthly Payment Options .. . ................................. 5 Automatic Billing Arrangements ............................... 5 How We Payments ..................................... 5 Minimum Nfomhly Payment ..... . ... . .... . . . ............. . ... 5 Skip•A-PPaayymment 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 ................. B Late Fee .................................................... 9 Retumed Payment Fee ............................ ..,.. 9 Returned Discover Card Check Fee ............................. 9 Pay-By-Phone ........................................... ..... 9 Research Fee ................. 9 DEFAULT AND CANCELLATION ..... 9 Types of Default ............................................. 9 Consequences of Default ..................................... 9 Cancellation ................................................ 9 PRIVACY AND OUR COMMUNICATIONS WITH YOU ...... . .......... 10 Our Privacy Policy ................ . . . ........ . . .. . .......... 10 Reporting to Credit Reporting Agencies. .. . .. . . ..... . . ......... 10 .1- 10DCM0_02BOILTL22H0210_01M_reader.indd 3-0 12115109 1:97:03 PM Our Communications with You ............................... 10 Releasing Information About Your Account ... .... . ............ 10 Electronic Notices to You . .............................. 10 Notices - Changes to Your Information ........................ 10 CLAIMS AND DISPUTES ....................... . ................. 10 Merchant Disputes .......................................... 10 Claim Notices .............................................. 11 Arbitration of Disputes .........-............ . .... . ......... 11 Right to Re?'eR itration ........................... . ....... 13 LEGAL INTERPRETATION OF THIS AGREEMENT ....... . .............. 13 Sever*Tdy ................................................ 13 Compliance with Interest Rate Limitations ...................... 13 Governing Law ............................................. 13 ASSIGNMENT OF ACCOUNT ................. . .................... 13 DER14MONS "Amount" means your Discover Card Account, "Authorized User" means any person whom you authorize to use your Account or a Card, whether you notify us or not "Card" means any one or more Discover Cards issued to you or someone else with your authorization. "Pricing Schedule" means the document accompanying your Card and listing the Finance Charge rates drat apply to your Account The Pricing Schedule is part of this Agreement "We," "us" and "our" refer to Discover Bank, the issuer of your Discover Card. "You," "your" or `yours" refer to, in addition to you, the Cardmember, any other person or persons who are also contractually liable under this Agreement. USING YOUR ACCOUNT Your Acceptance of this Agreement The use of your Account or a Card by you or an Authorized User, or your failure to cancel your Account within 30 days after receiving a Card, means you accept tMs Agreement, mdudkrg the Arbitration of Disputes section on page 11. You may, however, reject the Arbitration of Disputes section as explained on page 13. Permitted Uses of Your Account. Your Account may be used for: • Purchases - to purchase or lease goods or services from participating merchants by presenting your Card or Account number or by using promotional checks, which we may furnish to you, in accordance with such additional terms and conditions as we may offer from time to time. • Cash Advances - to obtain cash advances from participating automated teller machines, financial instiWtiors or other locations, the purchase of lottery tickets, racetrack wagers, vouchers redeemable for cash or for casino chips, money orders, travelerls checks, savv'aahnggss bonds, foreign currency and wire transfers, or by means of chedcs width we may furmsh 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 specked by the establishment. Your Amount may be used for personal, family, household and charitable purposes. -2_ Prohibited Uses of Your Account. Your Account may not be used to obtain bans to purchase, carry or trade in searrRies, to pay any amount you owe under this Agreement oe for any transactions that are unlawful where you reside or where you are h ly located when you use the Account to initiate the transaction (bited Transactions"). Purchases and Cash Advances in Foreign Currendes. If you make a purchase or cash advance in a foreign currency, ft will be converted to US. dollars using either a government-mandated rate, a government-published rate or the interbank exchange rate, depending on the country and currency In which the transaction is made. The rate used will be the rate In effect on the conversion date for the transaction, which may be different than the Transaction Date as shown on your statement We charge a Foreign Currency Transaction Fee Finance Charge for each purchase made in a foreign currency as described in the Foreign Currency Transaction Fee Finance Charges section on page 8. Cash Advances. We may periodicalI offer you promotional rata on cash advances for the time period spedu 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 Amount by means of balance transfer coupons or checks. Each offer will contain a promotional rate, which Will be the Antral 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, it 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 cocain 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. Credk 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 now us and destroy arty Card in that person4 possession. You can no% us by telephoning 14WDISCOVER (1.800.347-2683), or by writing stover, PO Box 30943, Salt Lake City, UT 84130-0943. None of your rights under this Agreement (other than to pay amounts owed) may be exerdsed 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. 9 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 notfy us by telephoning 1-B00-DISCOVER (1.800.347-2683), or by writing Discover, PO Box 30943, Salt Lake City, UT .3- I 10DCM0_02BC)K-TL22ri0210_01363-reader.irdd 5-6 12115709 1:37:04 PM 841340943. 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, indnxgng Finance Charges and fees, to exceed your Account credit line. If you exceed your Account credit One, we may request immediate payment of the amount bywhkh you exceed your Account credit One. We may increase or decrease your Account credit line, you cash advance credit line or your balance transfer credit line without notice. The credit available for your use mayy from time to time, be less than your Account credit One. For purposes of determining your available credit, we reserve the right to postpone for up to 15 business days redudng 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 male to to extent permlitted by law, change any term of this Agreement ilKbdirg, but not Insited to, any finance charge rate, fee or method of any balance upon which the finance charge rate Is assessed, or dor ete ashy term to this Agreement We will q?ve you notice of the charge in the time and manner required by law, w 7d indades 4S4* advance written notice In some circumstances, In addition, to the extent required by law, we will offer you theheity we offs e 'lot For e opporkmhr ty to flan Increase in a late fee or?t the elimination of a grace period prior to the effective date of the change. If you rged a dtange in accordance with the instructions in the notice 11 provided, we will dose your Account and you will no longer be able to use it for further transactions. You can then pay the remaining balance under the unchanged term. We may also flange any term of any product service or benefit offered in connection with your Account. We will notify you as required by law or by the terms of the product, service or benefit MAIONG PAYMENTS Promise to 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 H 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 n or charge your Account our cost to convert your pMy, t to U.5. Ilars. All checks must be drawn on funds on deposit in the u may not use a cash advance check, balance transfer check or coupon or any other pronotlo al check drawn on any Discover Bank credit card account to make payments on your Account. If your Accarlt is =fire Account, each of you agrees to be liable individually and jointly for the eMre amount owed on your Account We can accept We payments or parUai paymerKs or cheda and in orders marked 'payrnent infull" or whh any other restrictive endorsement without losing any of our rights under this Agreement Monthly Billing Statement. We will send you a billing statement after each -4• monthly Willing period in which you have a debit or credit balance, unless we waive our right to do so as permitted by law. The biking statement will show all purchases, cash advances, balance transfers, Finance Charges and other charges or fees and all payments or other aeft pproastteed 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 Mlling period. If yoraprior month l; payment is returned unpaid, your regiwed 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 BaWnce shovm on your Willing statement but each month you must pay at least the Minimum Payment Due as described in the Minimum Monthly Payment sectkxL All payments must be made in accordance with theterms stated on your monthly billing statement as web as the payment cut-off time stated in this section, and we will credit your Account in accordance with those terms and this section. Payments received in proper form at our processing facility by 5PM local time on any day will be credited as of that day. Payments received in proper form at our processing facility after SPM local time will be credited as of the next day. Automatic 81" Arrangements. If your Account number and/or Card e?ration date dwn and our records indicate you have automatic billing established with ges a merchant, we Al attempt to provide your new Account informationtothat merchant. To ensure uninterrupted billiing,,we recommend thatyouverifythe merchanthasyournewAccount Information. You must contact the merchant directly H you do not wish to conimue the automatic billing arrangement How We Apply Payments. Each biking period, to the extent your payments exceed the Minimum Payment Due shown on your current billing star n e R will apply these excess amounts in order of the Annual tag appl T ply able 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 ens and credits at our discretion, including in a mannermost favorable or convenknt 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 $IS; • $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 pits late Fees plus $15 (not to exceed 3% of the New Balance) rounded up to the nearest dollar. We mayallso Include someorakteamount "chyouexceed yourAccount 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 marwnum monthly payment and will notify you when this option is available. If you take advantage of this offer and do not make a minimum monthly payment finance charges and any applicable fees will accrue on your Account in accordance with this Agreement and you must pay the Minimum Payment Due for the following billing periods. Credit Balances, We will refund any credit balance within seven business .5- 10DCM0_02BCK-TL22H0210_013a3_reader.indd 7.8 12116M 1:37:04 PM days from receipt of your written request if you do not request a refund, we will automatically refund credit balances greater than $1 that remain in your Account after 6 months. FINANCE CHARGES How We Calculate Periodic Finance Charges. We begin to impose Periodic Finance Charges on all transactions from the Transaction Date for the transaction shown on your billing statement unless a transaction Is posted to Your Account after the close of the billing period in which it occurs, in which case we begin to impose Periodic Finance Charges on that transaction from the first day of the billing period in which it is posted to your Account. We continue to impose Periodic Finance Charges until the date you pay your entire New Balance shown on your bitting statement by making payments or receiving credits. However, if you paid the New Balance on yyoouur previom billing statement by the Payment Due Date shown on that billing statement, we will not impose Periodic Finance Charges on new purdhases, 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 Willing 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 tilled "How We Apply Payments," we generally apply payments to your Account based on the Annual Percentage Rate applicable to the balance of each transaction category. This means that If 9= ot pay the New Balance on the tumnt bilir statement by the Due Date shown on that billing statement, In, 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 I we compute balances and Periodic Finance Charges for each day of the Dialing period for each transaction categn We use the following equation to compute Periodic Finance Charges for each transaction category: (Average Daily Balance) times (days in billing period) times (Daily PedodiNate). You may refer to the Finance Charge Summary onyour being statementfor these amounts. Then we add tip the Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges for our Account The Average Daily Balance is shown as zero if, because of the grace period, no Periodic Finance Charges I to the balance in a transaction category. The Daily Periodic Rate is 101h of the corresponding Annual Percentage Rate. How We Calculate Your Baiancm We use the Average Daily Balance (including newtransactiois) method of cadcutating the balance upon which we impose Periodic Finance Charges. We compute the Average Daily Balance for each transaction category by adding upp all the day balances in a billing period for a transaction category and dMding 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 days daily balance: transactions with a Transaction Date of that day as shown on your billing statement unless the transaction is posted to your Account after the dose of the billing period in which it occurs, in which case the transaction will be added to the dally balance as of the first day of -6- the billing period in which it is posted to your Account, fees charged that daayy and Periodic Finance Charges accrued on the previous day's daily balance; and bbyy then subtracting any credits and payments that are applied against the b?ance of the transaction e?ry on that day. In calculating the daily balance for the first day of the bffiing period, we consider the "previous days daily balance" to have been your, balance for each transaction category on the last day of your previous bang period. AN fees charged to your Aaount 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 categM and Balance Trans* Transaction Fee Finance Charges which are added the applicable balance transfer transaction category, Variable Interest Rates. Oneor 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 tn. Variable Annual Percentage Rates are determined by ading a specified number of percentage points to the Prime Rate. This is shown on the Pricing Schedule as "Ihime + (percentage points)." For purposes of this Agreement, the Prase Rate is the highest rate of interest istl ed 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 pn!ng?index and does not represent the lowest or best interest rate avadabie to a borrower at any bank at any given time. 0 you have a variable rate, your Annual Percentage Rate will increase or decrease when the Prime Rate changes, This change will be effective beginnhng with the first day of the billing period that begins during the some monthh as the charge 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 Wmimum Payment Due by the Payment Due Date we may, in accordance with applicable law: 17 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 1 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 exampk 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 pay late. The variable Default Rates are determined in accordance with the Variable Interest Rates section. We will base your Default Rate on your creditworthiness and other factors such as your current Annual Percentage Rates and your Account history. N we increase any of your Annual Percentage Rates to a Default Rate, we *9 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`), no the type of new transactions to which it will be applied (note: the new Default Rate will not apply to any other transactions) and, (10 your right to reject the new Default Rate. New transactions are those transactions which either (Jhave a Transaction Date, as shown on your billing statement of more than fourteen days after we mail or deliver the notice to you or, iii) if permitted by applicable law, were posted to your Account after the current Default Rate Effective Date. Your Account will not be subject to a Default .7. I tODCMO_02BOILTe22H0210 01363_readerJndd 9.10 12115109 137;04 PM I Rate for the first twelve billing periods after your Account is first opened. if your Annual Percentage Rate for purchases, balance transfers or cash advances was increased to a Default Rate, we will, to the extent required by appgcabie la"' perioc itl review your Account to determine If any of your Annual Percentage Rates shordd be reduced. Any resktced Annual Percentage Rates an new and existing balances may be kgffereM and may be higher than your previous standazd Annual Percentage Rates for purchases, balance transfers au?la cash advances or any prorrrotional rate. Cash Advance Transaction Fee France 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 nombsal Annual Percentage Rate. Ag fonts of cash advances, including the use of Discover Card checks, regardless of the purpose for which usedk are subject to Cash Advance Transaction Fee Finance Charges. To okxam the total Finance Charge on cash advances for each billing period, we add an Cash Advance Transaction Fee Finance Charges for the biRksgg period charged under this section to any Periodic Finance Charges cakWated under the Periodic Finance Charges section for each cash advance transactor 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 Trarsaction Fee FMANCE CHARGE of 5% of the mount of each new balancetramferwith a minimum Balance TransferTransactwn Fee FINANCE CHARGE of $10 and no maximum, The imposition of Balance Transfer Transaction Fee Finance Charges may result his 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 BalanceTransferTransaction 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 Transadion Fee Finance Charges. We will charge you a Foreign CurrencyTransactiah 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 baling period, we add eny Forelgn Cunerscy Transaction Fee Finance Charges for the billing period charged under this section to any Periodic Finance charges calculated under the Periodic Finance Charges section for each purchase transaction category and add up these amounts. Minimum Finance Charge. We will charge you a minimum FINANCE CHARGE of S.50 for any billing period in which Periodic Finance Charges of less than $.SD would otherwise be imposed, Account Set-up fee Finance Charge. If yoke Prising Sch?ule accompanying your Card irncludes an Account Setup Fee we will charge you a one-time Account Setup Fee FINANCE CHARGE in the amount inbcated when we open your Account. FEES Annual fee, If your Pricing Schedule arI F ny'mg 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 -a- 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 ll' u have failed, as of the Payment Due Date, to make the Minimum Payncerst Duethat was requited to be paid for that being period. The amount of the sate Fee is based on the sum of all outstanding purchases, cash advances, balance transfers, other charggeess? 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 419. If it is greater than $250, the fee is $39. Returned Payment Fee. We will charge you a Returned Payment Fee of 435 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 k returned unpaid. We wig charge you this fee the first time any payment is returned unpaid, even 9 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 hone a Discover Card cash advance check, balance transfer check, promotional purchase check, or other promotional check. Pay-ey-Phime. We may from time to time allow you to make payments by aurthonzmg us over the telephone to transfer or pay funds from a deposit account to your Account. We will not charge youa Pay-By-Phime Fee. Research Fee. We may charge you a Research Fee of SS 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 became insolvent; If you file a ban kriguy petition or have one filed against you; if we have a reasonable belief that you are unable or unwilling to repay your obligations to ur, if you are declared incornphetent by a court a rf a court apparrts a guar?an or you or a conservator for your assts if you die, if you fat{ to comply with the terms of this Aggrearuent, mcudnng falling to make a required payment when due, exceed&hg your Accourt credit line or using your Card or Account for Prohibited Trarnsaction; 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 yourAccount 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 nwney that you owe us, we may charge you reasonable an ommeeyyss fees and mart or other collection costs as permitted by law and as actually incurred by us, inducing fees and costs in connection with any appeal. We delis enforcing or not enforce any of our rights under this Agreement out or waiving any of them. Cancellation. You may cancel your Account by notify'mg us in writing or by telephone and resuming or destroying every Card and unused check that we have pprrovided you. You can notify uis telephoning 1600 DLSCOVER (1.80D•347.2683), or by writing Discover, t Box 30943, Salt Lake City, UT 84130-0943. Of course, you will stilt be responsible to pay any amount you owe us according to the terms of this Agreement. ff your Account is a Joint Account, either Cerdmember 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 cartel or suspend your Account at any time without notice. We may choose not to renew your Account (beyond the expiration date shown on the face of a Card) without notice. You must -9- IGDCMC_0280E _TL22H0210_0136$Jeader.ImW 11.12 12116M9 1;37:04 PM return any Card or unused checks to us upon request. PRIVACY AND OUR COMMUNICATIONS WITH YOU Our Privacy Polity, We may from time to time review your credit, employment and income records. We respect the privacy of information about you and your Account Our Privacy Policy includes a summary of the personal information we collect when 9 may be shared with others, how we safeguard the confclentieliv and security of information and the steps you may take to limit our sharing of such inrfotmat3on with others. Please read it carefully as it is part of your Cardmember Agreement. Reporting to Credit Reporting Agencies. As indicated in our Privacy Policy, may payment arndph oryofy your Acciountinndduding negatvei credit ird wma afion. Late payments, missed payments or other defaults on your Account maybe reflected in your credit report. We normally repot to such credit reporting agernces each month. If you believe that our report of your Account status is inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 19850.5316, Please include your name, address, home telephone number and Account number. Our Communications with You, You agree that our personnel may listen to or record telephone calls between you and our representatives without additional notice to you, including but not limited to calls we make to collect debts. We may use any medium permitted by law, including but slot limited to mail, live telephone calls, automated telephone equipment, prerecorded telephone cab, e-mall and calk to your cell phone to contact you about your Amount or to offer you products orservicesthat may be of value to you. H You prefer not to be contacted in one or more of these ways, you must CAW telephone us at 1-800-DISCOVER (14;00-347-2683) or write to us at Discover, PO Box 30961, Salt Lake Gty, UT 309610961 Releasing Information About You 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 yo prior permissan, 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 pennisaon, has gained possession of a Card or has learned other identifying characteristics about you such as your personal identification number, Amourrt number or social security number. Electronic Notices to Yom We may offer you the opportunity to receive certain notices from us electronically rather than through the mail, including monthly baling statements and change of terms notices. The terms and conditions for receiving these electronic communications will be described in the offer. Notices- Changes to You information. If you change ynu 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 telephpnin 1 DISCOVER (1.800.347-2683) or by writing iscover, PO Box 311943, Sale Lake City, UT 84130-0943. If your Amount is a joint Account any notice we mail to an address you have provided for the Amount will serve as notice to both Cardmembers. CLAIMS AND DISPUTES Merchant Disputes. We are not responsible for the refusal of anyone to accept or honor a Card or to accept checks that we have provided you. If a -10- merchant fails to provide your purchase to your satisfaction and you request a credit to your Amount, we will investigate the dispute. If we resolve the dispute in your favor, we will Issue a credit to your Amount and you wiA be deemed to have assigned to us your claim against the merchant and/or any third party for the credited amount. Upon our request, you agree to provide us with written evidence of such assignment. Claim Notices. In the event that you or we have a claim that arises from or relates to your Amount, 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 in dividual litigant or member of a class ("Proceeding"y, the complaining party shall give the other party, (1) a written notice of the damp ("Claim Notice"), at least 15 days before initiating any Proceeding, explaining in reasonable detail the nature of the claim and any su porting 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 ('mduding, without limitation, DFS Services LLQ, predecesSOrS, successors, assigns, as well as the officers, directors and employees of each of these entities, Any Clain Notice shag 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 arty prron amount you have had with us, your ap cation, Ute relationships which rewit from yo AccoluK or tine e?rceabilny or scope of this arbitration provision, of the Agreement or of any organ a ,cement, or we m electto resolve the claim or d' ute bey OU NORSFIALLIHAUE THE ORIGHTO TO LfTIGA EAT CALAIM I OURT OR TO HAVE A JURY TRIAL ON THAT CLAIM. PRE-HEARING DISCOVERY RIGHTS AND POST-HEARING APPEAL RIGHTS Well. BE LIMITED. NEITHER YOU NOR WE SHALL BE ENTITLED TO JOIN OR CONSOLIDATE CLAIMS IN ARBITRATION BY OR AGAINST OTHER CAROMEMBERS 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"), Notwithstancfing anything else to the contrary in this arbitration provision, only a court, and not an arbitrator, shaft 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 d*n made by a new petty or any new claims later asserted in that lawsuit and nothi undertaken therein shall constitute a waiver of any rights under thh arbitration provision. We will not invoke our right to arbitrate an individual claim you bring in small claims court or your states equivalent court, if any unless such action Is transferred, removed or appealed to a different court. Govermfny Law and Fuses. You 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 dawn is filed. For a copy of their procedures, to file a claim or for other information, -11. I 10DCtMC)_02BOK-TL22H0210_01363_reader.hidd 13-14 12ISJO9 1:37005 PM contact AAA at 335 Madison Ave„ Floor 1% New York, NY 10017-5905, wwwadrorg (phone 1.BDDd78-7879) or JAMS at 620 Eighth Ave., Floor 34, New York„ NY 10018 wwwjamsadreom (phone 1.800.3 2-5267). No other arbitration forum will be permttted 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 We 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 wig appoint an administrator or arbitrator or arbitrators (n 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 term 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 attomeys' fees and/or other arbitration costs, we wig be responsible for paying or reimbursing such costs and fees if awarded by the arbitrate Fees and Cash 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, Sale Lake City, UT 84130-0421. The arbitrator will decide who will innately 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 p n "att omeys' fees and court or other collection costs' had the action pined in court. In no event wig you be required to pay any fees or costs incurred by us in connection with an arbitration proceeding where such a payment or reimbursement is prohibited by applicable law. Hearings and Decisions. Any arbitration hearing will take place in the federal judicial district where you reside. The arbitrator shall follow applicable substantive law to the extent consistent with the FAA and applicable statutes of limitations and shall honor claims of privilege recognized at law and shall be authorized to award all remedies permitted by the substantive lawn that would apply H the action were pending in court. If requested by any party, the arbitrator shall write an opinion curtaining the reasons for the award. The arbitrator's decision will be final and binding except for arry appeal rights under the FAA and except that if the amount in controversy exceeds 5100,000, arty party may appeal the award within 30 days to a three-arbitrator panel, wit shall review the award de nova. Unless appf bit law provides otherwise, the appealing party will pay the cost =appeal, appeal, regardless of its outcome However, we will consider In good faith any reasonable request for us to bear the fees changed by the arbitration administrator and the arbitrators in connection with the appeal Judgmant upon any award by the arbitrator may be enforced in any court having jurisdiction. Other Beneficiaries of title Prov&bns. Our rights and obligations under this arbitration provision shag inure to the benefit of and be binding upon our parent corporations, subsidiaries, affiliates (including, without limitation, DFS Services LLC), Predecessors, successors, assigns, as well as the officers, directors and employees of each of these entities and will also inure to the benefit of any third party named as a co-defendant with us or with any of the foregoing in a claim which rs su 'ectto the arbitration provision. Your rights and obligations under this arbitration provision shall inure to the .12- benefit of and be binding upon all persons contractually liable under this Agreement and all Authorized Users of the Account. Survival of this Provision. This arbitration provision shag survive termination of your Account as well as voluntary p in full by you, arty legal proceedings by us to collect a debt owed by you, any bankruptcy by you and any sale by us of your Account. Right to Reject Arbitration. You may reject the Arbitration of Disputes section try providing us a notice of refection within 30 days after moei* a Card, at the fu>llowb 9 address: Discover PO Box 30938, Salt Like Cry, UT 84130-0938. If'ou 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, Caging 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 you notice, we require that the notice be provided by YOU directly and not through a third partyc Rejection of arbitration W1 not affect your other rights or resisonsibgnies under this Agreement or your obligation to arbitrate disputes under any other account as to which you and we have reed to arbitrate disputes. if you do not send a rejection notice, you Y41 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. LEGALiNTERPRI:TATION OF THIS AGREEMENT Severabigtyu If arty 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 sections is invalidated in any proceeding in which you and we are Imrolved, then the Arbitration of Disputes section will be void with respect to that proceeding. Compliance Dance with Interest Rate Limitations. We Intend that this Agreement ply 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 clsargeswill 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. Guwerrdng law. This Agreement and any claim or dispute arisingg out of this Agreement all be governed by applicable federal law aril, to the extent state R1Nes, Debware 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. PRfVACY POLICY We are required by federal law to provide you with a copy of our Privacy Poky each year. If you have previously notified us about your privacy preferences, as described In Section 4, It is not necessary to do so again unless you decide to change your preferences. 13- I 15-16 12115109 1:37:05 PM I 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 aril your Amourrt. 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: e 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 b 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 from applications pplobtain caations and oottl? such submit to address and date of birth • 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 retaihr that accepts the Discover@ Card may came 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 companx we will create a fstof Cardrnemberswlo maybe interested inthe offer based on certain characteristfes. We will send the offer directly to those Cardmembers on behalf of the retailer by, for exaTple, including an insert in their monthly billing statement orma ng the ofter 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 characteristic received the offer. There are, however, circumstances in which we may share the information we collect about you, as described in Section 1, with other companies in order to provide you with access to products and services and to service your Account effectively, as detailed below. We require these companies to 14- 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. Sharng 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 i, 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 iron-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 jj'oiM marketing agreements; or companies that are our partners for, co-brand credit card ams or reward programs. We may also share such mfarnation as pemmittyr law. 3. Now Do We Protect the Cordidentlalltyr. Security and Integrity of Information about You? We maintain physical, electronic and procedural safeguards to protect the information we Wlect about you. Accessto 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 to at Discover, PO Box 30943, Salt Lake City, UT 841340943 so that we can update this information. 4. How Can You Limit Sharing of Information About You? We respect your privacy and offs you choices as to whether we may share infomsai onaboutyouwithothers.Youhavetheoptiontotellusnottoshare the information we collect about you, as descrbed in Section 1, with norm 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 o these options, please understand that you may not receive offers for products and services provided by other companies that could help you lower your costs, maximize your financial resources, or manage your finances. To Indicate your preferences, plisse call us at 1-M225.5202 or write to Discover, PO Box 30%1, Salt Lake City, UT 84130-0961. If you have pmvorrdy 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 is- I 100CM0_02@OK TL22H0210_01363J0ader.indd 17-18 17175/09 1:37:05 PM { number(s) and should not be sent with any other correspondence. In order to process your request, we require that the request be provided by you erectly and notthrough a thud party. You will need to provide us with your preferences for each credit card account you have with u. You may notify us about your preferences at any time. Your request will remain in effect until you notify is otherwise. We will honor our request and not share his information excepptt as permitted by law. For example, federal law permits us to share irtiomration about you with consumer reporting agences, service providers and financial institutions with coltish we have Joint marketing agreements, if you are a new Cardmernber, vre 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 opporturaty to inform us about your preferences. If you are an existing Cardmember, please other companies that were already ncproductionepriioortothe processing of your request. This Privacy Poky is provided to the primary Cardmember listed on the Account However, any, pint 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 Iude 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}. R 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 wilt also receive privacy notices for other credit card al:counts 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 abort you with others. Except as permitted by law, we will not share information we collect about you with rwo-aff Elated third parties or companies in our corporate family unless you cap us at f-MI)MVER (i-600347.2683) and authorize us to do so. California Residents -Your state law requires financial institutions to obtain consent prior to sharing information about you with non affiliated your third partes. Except as permitted bylaw 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. f, Notify Us in Case of Errors or Questions About Your BAf If you think your bill is wrong or if you need more information about a transaction on your bill, write us on a separate sheet of paper at the address •16- listed on your bill for Notice of Billing Errors. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so MR not preserve your rights. In you 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 aA why you believe there is an error, If you reed more information, describe the item you are not sure about If you haw authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount yyoou? thirds is wrong. To stop the payment, you letter must reach us three b1a mess days before the automatic payment a scheduled to occur. 2. Your Rights and Qur Responsibilities After We Receive Your Written Notice We must admowledge 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 yyoou 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 pa any questioned amount while we are investigating, but you are still obligated to pay the parts of you 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 qquestioned amount if we didn't make a mistake, you may have to paythefinoncecharges, 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 delinqguuent. However, if our explanation does not satisfy you and you write us wihinten days te6ing 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. N we don't follow these rules, we can't collect the first $50 of the questioned amount, even if your bill was correct. 3. Spedal Ruin for Credit Card Purchases If you have a problem with the quality of goods or services that you purchased with a credit card, and you tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the goods or services. There are two limitations on this right: (a) you must have made the purchase in your home state or, if not within your home state, within 100 miles of your current mailing address, and (b) The purchase price must have been more than $50. These limitations do not apply if we own or operate the merchant or if we mailed you the advertisement for the goods or services. 4. Purchases Wade with Checks or Cash Advances The Special Rule for Credit Card Purchases does no apply to purchases made with a balance transfer check, cash advance or promotional purchase check. Therefore, if you have a problem with the quality of goods or 17- I 19.20 12115/09 1:37:05 PM services that you purchased with a balance transfer check, promotional purchase check, ash 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 ABtTRAVEL ACCIDENT INSURANCE Discover® Cardmembers are provided with $500,000 Scheduled Air Travel Accident insurance,* You, your Spouse, Domestic Partner or ell e Dependent Children for whore a ticket was purchased on your Card (as defined below) will be automatically inured against Accidental Loss of Life arising from and occurring on a Covered Tnp 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 enteri exting or being struck by a Scheduled Aircraft or a conveyance operated?y a military tranrspcin service or riding as a passenger in or entering or exiting any conveyance licensed to carry the public for a feeanndwhile travelinggdkr?e?tly to or from the airport immediately precedr'ng the departure of a kheduted Ainraftonwhichthelnswed Personhaspurchased pa?ageand immediately following the arrival of a Schedule Aircraft on which the Insured Person was a passenger. *Coverage is underwritten by federal insurance Company, a member insurer of the Chubb Group of Insurance Companies. Certain limitations and exclusions apply. PLAN FEATURES THE BENEFITS: The full Benefit Amount ($500,000) is payable for Accidental Loss of Life. The Loss must occur within one year of the Accident. MAXIMUM LIMFT OF INSURANCE: If more than one insured Person suffers a Loss in the same Accident, the Company W1 not pay more then the maximum limit of insurance (S20AM,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 Proportionately divided among the Insured Persons up to the maximum nmh Of insurance. DEFINITIONS: Accident or. A1ddeMal means a sudden, unforeseen and unexpected event happening by chance, and includes unavoidable exposure to elements arising from a covered Hazard. Accidental n means bodily injury which is Accidental, is the direct source a loss, is independent of disease, illness or other cause and occurs while this policy is in force. AaouM 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 W means the Discover Card. rdrt emu bgl means the holder of the Card whose name appears on the credit card. Can= means the Federal Insurance Company. Cmmcl T' means travel on a Scheduled Aircraft when the entire cost of the passenger fare for such transportation, less redeemable certificates, i means those children, including adopted Children and t ose chi ren 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 Vocally chaltenged and incapable of self support; or (3) underthe age of 2nd classified as fulktime students at an institution of higher teaming. Domestic Pa means a person who; (t) 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??For to the date of enrollment (4) is not ?qy married or separated; and (5) as of the date of enrollment, has with the cured Person at least two oaf the following finandal arrangements. (a) a joint mortgage or lease; (b) a joint bands account (c) joint title to or ownership of a motor vehicle or status as a joint lessee on a motor vehicle lease; or (d) a joint credit card account with a financial institution. Neither the Insured Person not 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 01 of the Declarations, Hazards, and described in the Hazards form, as described on page 1 of this Description of Coverage. Wired Person means all Cardmembers, their spouses, Domestic Partners and Dependent Children, as well as authorized users of the Account. Loss means the Loss of Life. Lass of U!e means death, including clinical death determined by the local governing medical authorities, means DFS Services LLC, the entity responsible for the payment o premium. f means an aircraft owned andlor operated by a ?hg¢, A i ire. Scheduled Ithedu ?jjllS means an airline which is either of United States registry a ce fed by the United States government to carry passengers on a regularly scheduled basis or of foreign remoter and approved by the United States govemment and the appropriate foreign authority. War means hostilities following a declaration of War by a government aufhoritye H there is no declaration of War, then (1) armed, open and continuous hostilities between two countries or (2) armed, open and continues hostilities between two factions, each in control of territory, or claiming jurisdiction over the she of the area of hostility. DISAPPEARANCE BEN M- I the insured Person has not been found within are year of the disappeariu stranding, ?licmg, wredd or breakdown of any Scheduled Al rco rweyanceunwhidithelnstred nwascovered as an occupant, it will be assumed, subjectto all other terms of the porky, that the Insured Person has suffered Loss o Life covered under this policy. EXPOSURE BENEFITS Accident includes unavoidable exposure to elements Dependent, 54 vouchers or coupons, has been charged to the Insured Person's Account. arising from a covered Hazard. ELIGIBILITY. This Insurance an is provided to Insured Persons automatically when the entire cost of the passenger fare(s) on a Scheduled Airline is charged to the Cardmembees 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- I tODCMO_02@OK TL22HO210_01363_raader.indd 21-22 12115!09 17'06 PM i on the earlier of: (1) the date the insurance coverage 4 terminated; or (2) the date you cease to be an eligible Cardmember. COST This insurance plan is provided at no additional cart to e1igibie insured Persons for Covered Trips. Policyholder pays the full cost of the insurance. THE BENEFICIARY. The Loss of Life benefit will be paid to the benefdary designated by you, if no such designation has been made, that benefit wi be paid to the fist surviving benefi' in the following order: a) your spouse; b) your children; c) your parents d) your brothers and sisters, e) your estate. All other indemnities wil 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 8enefkiaryrequeOTheDiredMG.com. EXCLUSIONS: This insurance plan does not cover toss resulting from: (1) an Accident acuaring while an Insured Person is i entering, or exiting any aircraft owned, leased or operated bbyy this Poi-yholder or any aircraft owned, leased or operated by an ert>plWee of the Policyholder on behalf of the Policyholder (this exclusion does not apply to aircraft chartered with pilot or crew on one time charter bads), (2) an accident while an insured Person is in, entering, or exiting arty aircraft while acting or training as a pilot or crew temporarlyperfo?ilot(this orcrewxd fusunctidoonsinalife?eatening emergency); (3) emotional trauma, mental or physical illness, disease, pregnancy, childbirth or miscarriage, bacterial o viral infection, or bodily malfunctions (except bacterial Infection caused by an Accident or from Accidental consumption of a substance contaminated by bacteria); (4) suicide, ahempptted suk{de or toss that is intentionally self inflicted; or (5) declared or undedared War, CLAIM NOTICE: Written claim notice must be given to the Comparsy within 90 days after the mourrence of any Loss covered by this policy or as soon as reasonably possible. Failure to rave notice within 90 days will not invalidate or reduce array otherwise valid darn if notice is given as soon as reasonably possible, CLAW 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. 0 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 arty 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 terns of the policy. ARIMTIOM In the event of a dispute under this policx 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- I 101CMO.028OK_TL22HO210_01363_reader.indd 23.24 IF YOU HAVE ANY CLAIM RELATED QUESTIONS, PLEASE CALL THE CLAIMS SERVICE CENTER AT 1400CLAIMS-0 (1400252.4670). You can also go to the Company Web site (www.chubb.com), click on Report a Loss, select Accident, Benefits and Life claims, select the appropriate form, print out the claim form, fill out and mail. You can file a claim by mail or fax, Mailing Address: CHUBB GROUP OF INSURANCE COMPANIES CLAIMS SERVICE CENTER 600 INDEPENDENCE PARKWAY PO BOX 4700 CHESAPEAKE, VA 23327-0700 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 summa of the principal provisions of the inwrance while in effect Complete adicy provisions are contained in the Master Policy, which can be obtained from the Policyholder: Policy89906.18-06 Poky 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 Mount* View Road, PO Box 1615 Warren, NJ 07061.1651 DESCRY nDN OF COVERAGE SECONDARY RENTAL CAR COLLISION COVERAGE Discover® Cardmembers can benefit from the security and safety offered through Excess Collision Damage Waiver. If you rent a vehicle for 31 consecutive days or less (or 45 ed under certain circumstances described below} with you 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 89906-17-63 (the "Policy"). DEFINITIONS: Acegy means a Card account. Achial Cash Val means the cost to repair or replace the Rented Automobile at t time of loss, less depreciation. Caydritember means the holder of the Card whose name appears on the credit card, means the Dbcover Card. means the direct and accidental damage to a Rented Automo a Caused by upset or coMysiyon with another object. Collision Damage does not include loss caused d missiles, falling pllfects, fire, theft or larceny, explosion, earthquake, windstorm, hail, water, hood, malicious mischief or vandalism, riot or civil commotion. Comoanv means the Federal Insurance Company. Ifflad means Cardmembers and authorized users of the Account. means DFS Services LLC, the entity responsible for the payment premium. means a commercial automobile rental company licensed u of the applicable jurisdiction. Rented Aut 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 - 12116109 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 LosslDamage Waiver offered by the vehicle Rental • You must rent the vehicle in your own name and sign the vehicle rental aggreement(contract. • The coverage period will not exceed 31 consecutive days, or 45 consecutive days I the lamed 4 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 recored, an subject to all the terms of the Pollc? the Company agrees to reimburse on an Actin Cash Value basis either the kusxed or the Rental Agency for repair or replacement of the "ad Automobile as a result of Collision Damage to the Rented Automobile. The comuanv's liability will be for a maximum 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 injury 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 vehides, campers, pickup trucks, and mini-buses: limited edition motor vehicle; or high value, exotic, high performance or collector type. High value motor vehicles are motor vehicles whose replacement value exceeds 550,000, 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 4 not available where prohibited by law, WHAT IS ICI COVERED: coverage does not apply to loss resulting from the tollowing: • Any nest 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 paws 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 otherthan the one authorized . 22 - to operate the Rented Automobile by the terms of the Rental Agreement, • toss 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 team and conditions amply. (1) the period of insurance coveraaggee will not exceed 31 consecutive days, or 45 consecutive days if the Insured'u an employee of an or nizati, which has provided the Card to the insured fu businness use, ant) the Insurance provided by this plan A be excess over arty other vakd and collectible insurance covering the Rented Automobile. However, the Insurance provided under this plan may be granary if specifically provided for under the terms of this plan an if the following criteria is met. (a) the Rented Automobile 6 rented for use outside the United States, its territories and possessions; (b) the insured is an employee of an organization which has provided the Card to the Insured for business use; and (0 the Rented Automobile is rented without a driver. HOW TO FILE A CLARut UNDER EXCESS COLLISION DAMAGE WAIVER: In the event of a dafm, 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 1011-CLAIMS-0 (1.6*252.4670). You can also go tothe CompanyWeb she (www Chubb can), dick on Report a Loss, select Accident, Benefits and Life dalms, select the appropriate form, print out the claim form, fill out and mail. You can file a claim by mail or fax Mailing Address: CHUBB GROUP OF INSURANCE COMPANIES CLAIMS SERVICE CENTER 600 INDEPENDENCE PARKWAY PO BOX 4700 CHESAPEAKE, VA 23327-0700 Fax Number: 1.60030-2538 CLAIM PROCEDURE: The Insured must send the Company written notice of a claim, including the Insued's name and Policy number, within 90 days after a covered loss occurs. If notice cannot be ggiven within that time, it must be given as soon as reasonably possible. To file a sworn Proof of Lass, the Insured must send the following information to the Company or its authorized representative: • A copy of the Amount statement showing the automobile rental transaction. • A copy of the automobile rental agreement. • A copy of the police report. • A copy of the initial claim report submitted to the automobile Rental Agency. • A copy of the paid claim presented by the automobile Rental Agency for the Collision Damage for which the Insured is responsible. • Proof of submission of the loss to, and the results of any settlement or denial by the applicable insurance carrier(s). • If no other insurance is applicable, a notarized statement from the Insured to that effect. -23- 10DCMO_0280K_TL22H0210 01ae3_reader.lndd 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 yos 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 provisiau of the insurance while in effect. Complete provi' pertaining to this plan of insuratce are contained in the master policy on file uvith 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 pogcy will govern. Policy Underwritten Byy Plan Administrator Federal Insurance Company ("Company's The Direct Marketing Group, Inc. a member of the 13265 Bedford Avenue Chubb Group of Insurance Companies Omaha, NE 68164 15 Mountain View Road, PO Box 1615 Warren, NJ 07061-1651 Master Policy Number: 9906.17.63 Effective date of benefits Effective April 1, 2007, this gguide replaces all prior disclosures, pram descriptions, advertising, and/or brochures by any parry. Policyholder and Company reserve the right to change the benefits and features of these programs at any time. Cancellation; Policyholder can cancel these benefits at any time or choose not to renew the insurance coverage for all authorized Cardmembers. If Policyholder does cancel these benefits, you will be notified at least 60 days in advance. 9 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 ii) 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 yotit These benefits apply oily 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 US. Virgin Wands. 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 pr'nileges have been cancelled. However, insurance benefits will still apply for arty benefit you were eligible for prior to the date that your Account 'hs suspended or cancelled subject to the terns and conditions of coverage of your Cardmember Agreement. Transfer of rights or beneftts; No rights or benefits prowled 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 orthe subject thereof or the interest of the Insured herein, or in case cif 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 polkyholder, as often as may be reamablyy required by the Company, will submit, and within its pourer cause others to submit, to examinations under oath and wifl produce for examination all writings, books of account, bills, invoices and other vouchers, or cerifed copes 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 deemed to have been made or done without prejudice to the Companys liability, No Benefit to Otters: This coverage wdl in no way inure directly or indirectly to the benefit of any insurer, person or organwzatron or other bailee. Subrogetion: 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. cim or right of action against any individual, firm or corporation for such loss to the Company or sirbrogate 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 Corn to the hts as Insured, the Insured agrees to direct enforcement of such 17, 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 Comparry or the nsured may make a written demand for arbitratiom in that case, the Company and the Insured will each select an arbitrator: The two arbitratort vd8 select a third if they cannot agree within 15 days, either the Company orthe insured may request that the twice of arbitrator be submitted to the American Arbitration Association. The arbitration will be held in the state of the insurec1% 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. R is operated by AXA Assistance USA, Inc. Visit Discoverced co *avel to learn more. Ellgibiiye 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% Hotline is not Insurance, so you will be responsible for all third-party fees and expenses for services requested, such as professional or medical fees. Availability of Services. Certain services in not be available in all areas. Call us at 1400-WODVM (1-OW347.268337for assistance or if you have questrons about a specifiic destination. Outside the U.S., call us collect at 1.801-902-3100. Whr a AXA Assistance will make every reasonable effort to provide the services, neither AXA Assistance nor Discover Bank or our respective affiliates will be liable if a service is not provided or for any services that are provided by third partis. The services and these terms and conditions are subject to change without notice. 25 - 1ODCM0 02t30K-TL22HO210_Di383_reader.indd 27-28 12115109 1:3707 PM Now Balance Minimum Payment Due Account Number ending in 0453 DISC VER $208.75 $10.00 Enter Amount Enclosed Below 1 2 Payment Due Date $ F J April 15, 2003 Please make cheek payable to Discover Card or pay online o Distovercard.com. 16 SDSNWI 0007427 NATAL IA DE LA ROSH Gopaperiessandmake your eocount information more secure with pat mre- 620 BRENTON ST rotected statemente only you can some. corsdpaperless eearn more at discover SHIPPENSBURG PA 17257-2114 . . PO BOX 71084 (IInrl?nani{rlluu?{sI CHARLOTTE HC 28272-1084 Address, e-mail ortelephone changofPrint change inspace )n{r{)er{nr{r))nr{rr{r{nr{{{)ur{u{n)n{{u{n)n{r)n)) above, or go to Discover,com. Print your e-mail address to receive important Account information and special offers. 000001986458261760835002087500000000001000 Discover Card Account Summary Account number ending in 0453 Payment Due Date April 15, 2005 Minimum Payment Due $10.00 Credit Limit $1,900.00 Credit Available $1,691.00 Cash Credit limit $1,00D.00 Cash credit Available $1,000,00 Closing Dale: March 16, 2005 page 1 of 2 Previous Balance $0.00 Payments And Credits 0.00 Purchases + 208.75 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 0.00 New Balance = $208.75 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback 8onuse Opening Cashbock Bonus Balance $ 4.32 New Cashbock Bonus This Period + 0.52 Everywhere Else + 0.00 Cashbock Bonuses Anniversary Cashback Bonus Balance $ 4.84 Month: January Keep usin?gg your Discover(R) Card and watch your Cashback flonusjR) award growl Remember, once yyoour Cashbock Bonus award is at least $20, you can redeem our award by tailing us or by lagging into the Account Center at Discovercard.com. Help You? 1 Visa Dircovsrcorn to pay yew hill! for no cost, view your, ksted Account information, earn and redeem towards and How Can We He more It's your choice - 3 ways to help 2, Coll 1.800•DISCOVER (347.2683) for fast, easy wlfoervice Please have Discover Card available. options or to speak with a Customer Service Account Manager your 3. Write us of Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salf Lake City, UT 84130 Transactions Merchandise/Retail $0 Fraud Liability Guarastee Use your Discover Card with confidence. Trans. Post Date Date Feb 22 Feb 22 BRG MUSIC SHIPPENSBURG PA Mar 12 Mar 12 ROUTE 5 CHAMBERSBURG PA $ 167.43 41.32 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01068%; corresponding ANNUAL PERCENTAGE RATE: 3.90%. Rata is subject to the terms of the offer including expiration. 8985507 Call 1.8 00 76 7-73 1 5 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 moneyl EFer ?+{fjaWHIT Paperless statements can jumpstort 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 on e-mail letting 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 years The Register(R) can help prevent credit card fraud[ In the event your cards are lost or stolen, we'll cancel them and hove new ones reissued to you. Its, you'll receive a credit report & 60 day monitoring. Coll 1-800347.3395 or visit Discovercard.com to enroll, inpwfatf bdomdk& If Owe Is more than one page to his biting stal email, see Ste beds of each page for addlitional important inior aeon Sae year CardmembarAgreenwnt. Your Cardnember Agreement contains at the Is= or yourAcwrxd. Lost or stolen pia. Report iwnedieW Cali 1400.347.2681 Bitting Rights Summary. In Case of Enos or Duestio nsAbout Your 13i; # you d" your bill is wm % or K you need mow htormalion about a Wnmcdm on yaw bit, write us on a riffs. In you heatilrom you no tiler tion 60 days aft we sent you fro first by on separists wMdi she heal or pobem appeared. You ran D421, el us, a City, p so wit not 21, as son as possible, We give is 9e ldiowig infortnallon: You name and Account number. The dollar amanaf of the suspected error. Describe the am and emlallh, 0you can. why you believe them is an amok It you need more inlionno 4 describe the Ran you are unsure about. You do not have to pay any intent in wes6on while we are lnvestlpa ft but you are $0 obligated w pay ft parts of your till that are net in question. While we investigate you quedbn, we cannot report you as delinquent or take arty action to collect one anaunl you question. tipecW Rhda Tw Credlt Cad Paahseas: R ycu haw a problem with tw grwRy of «senvkes Uwt you parchaaed wRh a nxedi pd, ahhd you have laced in good lash to coreU 1M problemvMlh the mercaffi. yW may not ham b pay the nenteini+g amount due on tle goods a services. You fore Rub poUectita onywhen the purchase price sums ape tun 550. and tw puniraee sums mhante n you hone scale orwifin f00 miss olyourrnaiirg address. Qf we ouch «operalo the merchant, «R we matted you the sore dsemant for the goods a series, at pumdases are covered regandlessd she amount a baton of puuchase.) Payment. Send only your payment and the top portion of din scent In to envelope provided. Do not send cash. Oy sendag you deck as denrdbed above, you authorize us to use inkri matorh on you dads to make an electronic hand kanslerfran your account of the financial i nsabrfon ix$wlad on your chock or to process the payment as a dcedc traraaclion. R payment Is processed as am elecbonfckind transfer, to transfer will be for to amount Mere dredr Whir we use Wormalim from your deck to make an ebcromc fund transfer, funds may be withdrawn from your account as soon as Ow some day we receive yea payment, and you will not receive your crack back from your financial inanition. The prooessig of your payment may be delayed Ifyou send cash, correspondence or other Rama with yarpayment. If you sand Ow payment b any other address or R you use an oneriopit other than have ?a? your ? ebe croclikicJ1 to your Account nvelops. serif yourpaymm ret toD D Discodi* ver, PO Box processing one lacility Ibr5PM local tirre will b in be ran rtokp itdtoourAccproc" facility by outae of the nex day.9 yW ? h time 6103, Carol Sheam. 11.6D1974103. Plea slow 7-10 days for delivery. If your paymantIs rehered urpalo, we reserve the tight to esu6mdb R as an electronic debt. You can pay minimum payment of a greater amount over the telephone, and you can act up son* payments. Cog us at 1-M347 2663. You will feed this statelnad and your flank soco nt information. You must awe that sulidad furls we available in you b&* scocunt. and at baansislions crust comply with US. low. You wM be asked to pntrWdethe fret 5 digits of your account statemadZIP coda By araerint Those room as you electorhtc signature. you will be sgreeig b this aufertalion to stow us and your balk to dodo each payment you suit ze from your bank aooo nt and to PW* debt or ra& entries toyer bank account, as appicaMe to coned an error in to processig of such payment. You MUM Lek us the ~ of sacfh payment, or you can select an amount such as the kiniman Payment Due or the New Sam on each sle00hrhani. You can kmhcd a paymem. however, we must room rnolice at bad twee business days in advance of the sdhedwed Payment. You may notify us by plim at 1800-3472063 or by mall at to address listed in fur previous paragraph. 9 W payments may vary in amount, we vhe lot you on each monthly statement when your payment will he made and how much It will be. YwAusonatic payment amount may be less than Matadi on de Monthly statement based on creft or payments applied Ong the billing cycle. Credit Repadng M mey report k* minim obM y?ernyeocont b credR bureaus.late payments. missed payinerds, a oterdefauks on you aocoud maybe IBBe led in youcredit m b, please write at the blowing we normally address, the stows xw Oisoove, PO B 15318, Wi.Irg BE 19&%5116. m? Posse In " agencies, each month your name addassa believe that our telephone number end Account o uleer. Perfodk Finance Chagas. Except as provided below, we will impose Periodic Finance Charges on purchases. cash advances and balance traefets beginning with the dole to transaction occurs until the dab of repaymentn and on Old Balances urdt to data of repayment. Old Belarhoes are comprised of either purchases and cash advances made on or prior to the last day of yon b*V period ending during February 1993 or Reserve Line balances. You can avoid paymertlof Pakift Fiance Changes on new purchases f you pay to New 68181100 darn on fh i bring statement on which the purchase fist appears by the Payment Due Da/0, and tle Payments and Greats on fiat sta equal or exceed you %vioxv Balonce We ca4 Chia the'greoe period You dD not haves grace period on balance iasbrs or cash advances. Periodic FNaar10e Charges are imposed on new balance transits and cash advances beginning wlot the data the transaction occurs. Periodic Fnarica Charges are Imposed on at hansecioma and Old Balances kn61 Be dab of repayment. Repayment means payment of ykwr entire New Balance lfowever, R you pay the Now Balance shown on this billing statement by the Payment Due Dote, and the Payments and Credlo shown on his statement equal or exceed the PreW%s Balms, we will not imposer Peddk: Fname Charges on new purchases, that its, pureasas first appearing on this statement. 9yow Account was dosed as oL (i) September 27,1999; or (u August 31, 2001 and was bnnwdya Discover Prime Option, Discover blotonstAiia" fo Species SurvNal° or Universal Studba AcoomL or (B) Seple raer 30.20 1 and was 11(onnedy a Discover SmithscirmAcoouK you can avoid payment of Periodic Finance Charges t you pay the New Balance shown on this StatemtN by the Payment Due Date and the Payments and Credits on We statement equal or exceed you Previous Balance. Otherwise, you will receive a bring statementnetd month fan Included Pedodc Finance Charges imposed until the dale of repayment. We oanp le Palo* Arwce Charges each day for ptsohasea, cash advances. balance transfers and Ole Boanoss (which we refer to as transaction categories) try using tha following equation; Average Daily Balm x number of days in to baiting period x Daily Periodic Roo. (Refer b two tnancir large summary on to front of yow statement fa these amounts.) Then we add at to Periods Finance Changes for each husaction category to get the Mal POWC Finance cnages for you Account. The average Daily Balance is shown as 0 t no Periods Filsence Charges apply to the balance in a transaction category. We use to Average Daily 88lohee (i wV new fwnsoctions) meted of calcOAQ rye bade upon which we Impose Periodic Finance Charges, We compute the average My balance for each transaction ad" by adding up all the dally balances in a bft period for a bamKkn ea" and cNft the total by the number of days in the bUM cycle. We compute the daily balance fa each aaraadan category, an each day by firer adding the following to the previous day's daily balance: transactions made that day, fees charged that day and _a&" Polo h stated on to previous day's daily balance, and 4 Inert subtracting amycredes and payments that are applied against the balance of the transaction Old Solorces are excluded from the balance of the purchase and cash 8dranCe tram ollon categories. Special rate babmoe transfers and Balance Transfer Transaction Fee Finance Chagas am Irduded In to daily balance WSW tratsaabn cmegory. Balance transfers that were VY aU to an initial special role that has been whim sled due to a bb payment we also included in the category until thus YdYal special rase otherwise would have expied, in calculating Ow daily balance of to balance transfer Irensacbn category on the kid day of the burg period, we subtract the kmpaid balance of gorse Balthoe Trahrefer Transaction Fee Film Charges and balance transfers that become purchase sale balance transfers on that day and we add dot wpm balance to Ore, balance of the purchase transaction category. At fees charged to your Amount are added to ttepudwse berisaeft category with fa exception of Cash Advance Transaction Fee Finance Charges Mich are added to the rash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the balance baaskc transaction category. R a transaction made in a previous lotting period is itemized on this statement we consider the banaacilon date to be the fast day of the orient bittrg period when we calculate your Periodic Finance Charges. for TDO (Teleeommunfealiom bevhee for the bOaft aaelstar.,m please call 14"T-7449. Discover may mentor andf« record telephone cats between you and Discover ropresemaives la quarry, assurance purposes. The DlsaoveP' card is Issued by Discover Sort Member FDIC. 01TBKO66 DISC -..-VER' U Pets to NATALIA DE IA ROSA DISCOVER Account number ending in 0453 Go green. Go paperless. Join the effort to save bees and dean up your maibox. 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 wllh merchant names, locations and zip codes. Go to Discovercom/pap &ss and sign up for Paper6ss Statements today. 020 10 Dl c r Bank, Member FDIC a R s PPRGRK0810 Closing Date: March 16, 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 Fite a claim if important possessions are lost to fire, theft or natural disaster. Call 1.800.347.3395 or visit us at Discovercard.com for details. Build you Cashbook Bonv4) award with every bill you pay automatically with your Discover(R) Card. Call phone, cable and Internet service and health clubs: you can pay so many recurring bills with your Discover Cord. What a smart, easy way to save time and money- and soma bigger award) Visit Discavercard.com/avtobiRpay to learn more. Redecorate. Remodel. Get More, Sign up today and get 5% CcAback Bonus(R) at Ace Hardware, Bed Both & Beyond(R), lowe's(R), Menards(R), Pier 1 Imports, Restoration Hardware, SHERWIN-WIWAMS(R), Smith & Hawken(R), The Container Slbkii(R), The M666 Depot(R). Cbll 1-'BMDISCOVER or Asit Discovertbrdx6m and reward yourself MBreh through May. Finance Charge Summary 8985507 Average Daily Nominal ANNUAL ANNUAL Periodic Transaction F Daisy Periodic PERCENTAGE PERCENTAGE RNANCE Batcince s Rates RATES RATES _ CHARGES current billing period: 28 days Purchases $0 0.06299% 22.99% F 22.99% $0 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $0 previous billing period, 31 days Purchases $0 0.06299% 22.99% F 22.99% $0 none The rapes 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 1-600-DISCOVER 11.800-347.2683). 63 9ance DISC' VER $6Now 16 80SWA01 0007428 NATALIA DE LA ROSA 620 BRENTON ST SHIPPENSBUR6 PA 17257-2114 Minimum Payment Due Account Number ending in 0453 $14.00 Ender Amount Enclosed Below P"nt Due Date $ 1 1 May 15, 2006 Please make check payable to Discover Card or pay online ® Discovercard.com. Address, e-mail or telephone change? Print change in space above, or go to Discover,com. Print your e-mail address to receive important Account Information and special offers. Closing Data: April 16, 2005 000001986458261760835006634900000000001400 Discover Card Account Summary Account number ending in 0453 Payment Due Date May 15, 2005 Minimum Payment Due $14.00 Credit Limit $3,400.00 Credit Available $2,736.00 Cash Credit limit $1,800.00 Cash CredltAvoilable $1,800.00 Go paperless and me* your account Information more secure wRh password- statements only you can access. Learn rare at rNscover candpaperless. PO Box 71084 1111111 ItsRee1111111111 1111 CHARLOTTE NC 28272-1084 It11111u1tul11itr1G11tin11{I1u11111ninl{u{11111{tl»II page I of 3 Previous Balance $208.75 Payments And Credits 30.00 Purchases + 471.84 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 12.90 New Bolance $663.49 You may be able to ovoid Periodic Finance Charges, see the reverse side for details. Coshback Sonuse Opening Cashback Bonus Balance $ 4.84 New Cashback Bonus This Period + 1918 Everywhere Else + 0.00 Cashback BontaOSince Anniversary Month Cashbatk Bonus Balance $ 24.02 January: $1970 How Can We Help You? 1 Visit Disc~4orn to pay year 6A for no cost, Ylew your Iowa Account infomwtion, em and redeem rewards and more It's your choice - 3 ways to help 2. Call I.8MDISCOVER (347.2683) for Fast, easy seR•service Please have Discover Card available. your 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 Uabilhy Guarantee Use your Discover Card with confidence. . Post T Deft e Payments and Credits Apr 8 Apr 8 INTERNET PAYMENT THANK YOU $ .30.00 Merchandise/RehrR Mar IS Mar 17 STAPLES #274 CHAMBERSBURG PA 116.55 Mar 19 Mar 19 SHIPPENSBURG BEVERAGE SHIPPENSBURG PA 16.25 Mar 21 Mar 21 WALMRT SUPERCNT 005358 SHIPPENSBURG PA 26.19 Apr 12 Apr 12 WALMRT SUPERCNT 001850 CHAMBERSBURG PA 22.08 Restaurants Mar 18 Mar 18 ORKY'S INC SHIPPENSBURG PA 57.25 Mar 22 Mar 22 BROTHERS PIZZA SHIPPEN SHIPPENSBURG PA 6.63 Mar 29 Mar 29 MARKET CROSS PUB & INN SHIPPENSBURG PA 28.00 Mar 30 Mar 30 KNUTES PUB & GRILL SHIPPENSBURG PA 28.33 Apr 5 Apr 5 PIZZA'N' STUFF SHIPPENSBURG PA 20.14 Apr 8 Apr 8 MARKET CROSS PUB & INN SHIPPENSBURG PA 30.00 Apr 12 Apr 12 RED LOBSTER 550 CHAMBERSBURG PA 22.68 Gas/Automotive Mar 23 Mar 23 D & 1 GULF INC. SHIPPENSBURG PA 23.01 B 07 Apr 8 Apr 8 0070 SHEETZ00000703498 SHIPPENSBURG PA 10.25 !UP T Entertaintnent Apr 2 Apr 2 BLOCKBUSTER VIDEO #422 SHIPPENSBURG PA 27.54 Educelfon Apr 5 Apr 5 CUMBERLAND VALY SCH OF CHAMBERSBVRG PA 36.94 Information for You CongrahAoliionsl Your Account credit limit has been increased to $3,400.00. What if your credit falls into the wrong hands? Reduce your risk of identity theft and credit fraud with ProfifeProlect(R). This comprehensive service helps safeguard you against misuse of your personal credit inFormation. Visit ProfileProtect.com/safe for more information or to enroll. Impaanf Mkrn+auon. I tore is more tin uoe page to this wing s181emert, see Ua back o teach page loo addilicxhal itrKortant htamation. Sea your Cardrman9w Aginiw ront• Your Cardmember Agreement contains d the terms of yorrAcoount. Lost or stolen ards, Report immediately! Call 1-NO.347.2663. Bourg Rights Summary. In Case of Emus or OUeatipl MMYaa Bit I you 0k your bill is wrong, or I you need more information abort a transaction on your bil, write us on a sepwate sheet of paper at Dhoower. PO Box 30421, Sall lake CBy, UT 8413D4)421. as soon as possible. ft must hear from you no later that 80 days after we sent you the first bill on Mitt to weer or problem appeared. Ym can telephone us. W doing to will rat preserve your rights. In your Naer, give us the 10104 Information: . Your fame and Account number The dolaramouu of one suspected error. Describe the am ant explain.4 you can, why you believe there is an error. If you need more hlamalon, describe the ban you are unsure abed. You do rat lave to pay any anhmnt an queston wide we we Investigating, but you are still obligated to pay fine parts of your be that are noun question, White we!nvestipte your question, we cannot report you as dailoquent or take my awn to coded the amount you Weston. Special Rude for Crodtt Card Purchases: I you have a problem with the quality of goods or services Baal you purchased with a credd card, and you have fried in good faith to cored the ploblern with one merchant, you may rd hart to pay the remaddng amount due on the goods or services. NW have Ira protection only when !he purchase price was more than $50 and the paachase was made In your tone stele orwdAitt miles of your mailing address. (I we oar or operate the meminsnt, or Iwemated you the advagsememfor the goods or services, eft lxrrdases We covered ro9111WI a of the MCA Of location of purdasa.) Paymsnta. Send ably yorr peysnant and Ara toP portkn ?tlie statanem lo fine envelope provided. Do not sand dxsth. By sending your dneck as described about, you authorize us to hrseintansWn on your cnedcto makesn eleetroricNnd trarsfw from youraccount aS to tram cial nstMulon lodcaied on your check or to process ft payment as a dnedr transaction. U payment is paocecaea as an etearordc fund traarer. tlhe trwste wiM bs kr lino amount of tae dank. When we use imtamatim from your chedr to make an electronic turd transfer, faints may be vAahdrsvm ken your aeoaam as aeon as tlneseme day we receive your payment and you will not aeaiveyour check beds from your fnardal insibtiaah. The prooessing yam payrhsntmay bedebyed Iym tend ash carespondeuoe a oft a Hems vAth ydtx paynneh4I you sera the payment to ary other address or if you use an envNopa other tlan Ate one prainled. Paymhetta feoblad h proper tam atorx proceesrg y by FPti oral lame on any day will be credited to Your Ammitas 01W day. Payments misplaoid 61r Ot 3 Card S R W19 Please adowla7-ra70 days detireay. Nyotr tment is returned unpaid via reserve to esenvelope. send your payment to t R as an electronic debt. Discover. PO Box the riot You an pay minimum payment or a greater amount oar go Wephone. W4 you can sal up aubmatkPayments. Cal us at 1-M347,663, You wil reed this statement and your bank account Wornwlon. You must man hat sulficied We am avntladein your WA account, and al transactions must comply with U.S.law. You cod be sallied to provide do first 6 digits of you account statement ZIP code. By anteing those numbers as yourslectrona signature, you vii be agreeing to this auAarkalm to allow us and your bank to do" each payment you stAladze from your bx* account, and to iodate debt or credit entries to your bardc account, as applicable, to WnW an error in the weaseling of such payment. You must del us the amount of each payment, or you cam select an notice at Iaaet three business dabs In advaaeed Ada schsuch as the Minlinum P" Ow or the New Balance on each eduled pay mea You may rally us by phone of 1.800.347.2683 mad e the aktess fisted Interprevous paragraph, , statement we bwill lell eset you area h paPaeyids s statement when your btayment will be made end tow much A AN be. Your Automatic payment amount may be INS dean Indicated on A may very einiviribly ry in amaA Cmdl Reporting. We may report Woonatim about your account to erect bureaus, late paymems, m isW payments, o (other de" an you account may be reflected in your credit report ft normally report Vie "A and paymershistory of you Account to credit repa4aj spascies each manta. if you bel eve Iha err report Is Woviasae a incomplete. please write us at gore IdloAng adeess: Disoovec PO Sox 15316, WArnkglon, DE fA650.53fe. Please Include yaw name, address, home telephone number and Account number. Perlodk Flmamca Charges. Except as provided below, we will impose Pedodc Finance Changes on purchases. cash ahvances and balance transfers beginning with the data the, or R Will the d bad Old Salences are conpdsad of either pachases and cash advances made on of prior to k of you rd billing the period Of ending during repayment o ona d Balenioes 11v lost day You can avoid payment of Periodic Finance t2narges or ow prchases I you pay the New Balance shown an Are bMro statement on which the purchase atsl appears by the Payment Die Ogle, and the Paymerb and Credits on fiat stalema l aqual or exceed your Previous Balance. M (A this the'gace perk,' You do nit havea giace period on balance transfers or cash edvarhces. Periodic Finance Charges am imposed on new balance trans = and cash advances beginning AM the date the transaction oars, Periodic Fvwm Charges ere imposed on ati kwtsacAorw and Old Salances tall the data of repayment. Repayment means payment of your entire Now Balance. However, t you pay the Now Balance shown on his billing afaenlen t by the Payment Due Date. and the paymenns and Creft shown on rows statement equal or exceed IN Rev" Balance, we All mot impose Periodic FTranee Charges on now purchases. that is, purchases; fret appearing on pis statement. I your Axant was. closed as ob @ September 27, W; or (8) August 31, 2001 and was bnnedy a Discover Prime Oploo. Discover National Alliance for SpecksSurvlval'or Universal Svift Account or ¢i) September 30, 2001 and was formeriy a Discover Sm ithsorianAccotart, you an avad payment of Periodic Floret Charges I you pay the New Balance showrn on this Statement byline Payment Due Dee and the Payments and Credits on 0his ealerment equal or exceed your Previous 8alanoe.Otherwise, you will receive a byfig statement next month that Included Periodic Finance Charges imposed until the data of ispayinn" We odxnpae Periodic Fi arm Changes each day loo pnrchasa, cash advances, balance transfers and OW Balances (which we refer to as transaction ca"ondes) by using the lolbAng aquaaar; Average Ddy Balance x number of days in the billing period x Daly Peri Rate. (Rotor b the Aw m charge summary on the front of your statement for these amounts.) Then we add all the Periodic Finance Charges for each transaction allegory to gel One total Periodic Finance charges for W komeht. The average Daily Balance is shown as 0 t no Periodic Finance Chagas apply to tie balance In a transaction category. We use the Average Daly Balance (ind icing new transactions) method of calculating the babroe upon which we impose Periodic Finance Charges. We com" the average dally balance for each transaction category by adding up sit the dally balances in a billing period br a bansacta category and dividing the loW by sine number of days in the WON cycle. We compute ft daily balance for each aansactim category on each day by aced adding the following to the previous days dally balance: transactions made the day, fees dhaged that day wind 0012 s accrued on the pie vim day's dally balanoe: and by then subtracting any credits and payments %I are applied against the balance of the transaction cebgor U / old Balances are excluded from the balance of the purchase and cash advance transaction categories. Special rate balance transfers and Balance Transfer Transaction Fee Finance Cihwges are ihdode9 M eta daffy balance tamale rarsaction rxkgoay Branca bersfet Ahetweee 6ub)ed to an idial special rate that has been laminated due to a late payment are also in the category dnB the Ihllial sPedad rate otherwise world have expired, in 9 rho dory balanced it* balance trans* transaction rategay on the 4s1 day of the bang period, we subbadtheurgetd Imlanoa M tlhose BalanceTracxler Tramsaclott Fee Elmore ce Charges and balance handers get became Purchase rate balance tranhsfors of that day arhd via add that urpedd balanra to Ie baimhce of the purchase Uersaclon atago7. Al lees darg6d to you Acaur+t via added to rte purchase Uettsedimrn radegory w tlh the eheceptlon of (bath kHaoue Transaction Fee Fehanee Charges which are added to the cash find nonce trwreacdeor category and Balance Transfer Trarsactiau fee Fxhahhca Ckargea uAaclh are added to the baletloe tar stem transaction alegay. It a transaction made in a previous hBfrhg period h itemized on tin s sttement we consider the tralKadion date to be the arsl day oh the current bd6ng persod when we calculate your periodic Franca Charges. For TDD (Telecommunications Device for the Dean assistance, please call 1400447-7444. Discover may monitor and)a record teleplorie cans bahveeayou and Dlacovw representatives for quality assurance purposes. The Discova-card is issued by Discover Bank, Member FDIC. OITBKD56 DISC( VER pop NATAUA DE LA ROSA DISCOVEa Account number ending in 0453 Go green. Go paperless. Join the effort to save trees and clean up your maibwc. Just sign up for Paperless Statements and you can help we over 70 million pages per year. You'll also be helping yourself to 24 months of password-protected, statement history, complete wish merchant rearms, locations and zip codes. Go to Discover.com/paperlm and sign up for Paperless Statements today. Rr2010 Discow Bank, Mw1w FOK o? s PPRGRK0BS0 Closing Date: April 16, 2005 page 2 of 3 Congratulationsh Your Account's cash credit limit has been increased to $1,800.00. Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01068%; corresponding ANNUAL PERCENTAGE RATE: 3.90%. Rate is subled to the terms of the offer including expiration. FREE Additional Cards for your Account allow you to share your credit line without sharing your Card. Request FREE Additional Cards for those close to you to help with doily shopping and errands and to use as credit resource in case of emergeney. Cog 1.800D1SCOVER or visit Discovorcard.com/AdditionalCords today. paperless statements can lumpstort your spring cleaning) Got rid of the excess paper in your life by receiving your Discover(R) Card statements online instead of by mail. You'll go an e-mail letting you know when your statement is ready to view online. You can even pay your bill online while you're there. Go to Discovercord.com to sign up. 25% of credit reports contain errors serious enough to result in denial of credit ("Mistakes Do Happen: a look at errors in consumer credit," Nat'l Assoc. of State PIRGs, June 04)_ ProflleProtect(R) is a comprehensive service that helps you monitor & manage your credit. Enroll today at ProfileProted.com/control. Finance Charge Summary 8985507 Average Daily current billing period: 31 days Nominal Transaction pp?? ANNUAL ANNUAL Periodic fee ftk im RRAATE CHARGES CHA R S Purchases $529.10 0.06299% 22.99% F 22.99% $10.33 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $0 previous billing period: 28 days Purchases $145.88 0.06299% 22.99% F 22.99% $2.57 none 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 1.810-DISCOVER (1-800-347-2683). DISC; VER Closing Date: NATALIA DE LA ROSA April 1b, 2005 Account number ending in 0453 page 3 of 3 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: January 16 Balance Previous Cashback Bonus Award Balance $ 4.84 Purchase Award This Period + 0.00 1918 0.00 0.00 Cas ac Bonus Award Total 24.02 Cashback Bonus Award Balance Award Available to Redeem 8985507 24.02 20.00 Re 800-DISCOVER (1-800.347.2683) for strictions apply to the &back Bonus Pa r offers visit ilueavsr tom or tail 1 detalis. For program dsrai see the Cash bBonus Program Terms and Conditions. New Balance Minimum Payment Due Account Number ending in 0453 DISC VEIZ $2,015.33 $41.00 Enter Amount Enclosed Below Payment Due Date June 15, 20x5 Please rake check payable to Discover Card or d .com. flay onne 0 Discovercar 16 BDSNSA01 0007429 Go papetrless and make your account NATALIA DE LA ROSA information more secure with password- 620 BRENTON ST protected statements only you can acoess. SHIPPENSBURG PA 17287-2114 Loam more at discovercom/paperless. PO Box 71084 116srgn111111 1111 lhl CHARLOTTE HC 28272-1084 Address, e-mail or telephone changet Print change in space 1nlrllrrlrirlsllirr?rr?ilrnllll?rnltnlnlrrllu{ulrilul„{ above, or go to Discover.com. Print your e-mail address to receive important Account inormation and special offers. 000001986458261760835020153300025000004100 Discover Card Account Summary Account number ending in 0453 Payment Due Dade June 15, 2005 Minimum Payment Due $41.00 Credit limit $3,400.00 Credo Available $1,384.00 Cash Credit Limit $1,800.00 Cash Credit Avolobie $1,235.00 Closing Date: May 16, 2005 page 1 of 2 Previous Balance $663.49 Paymants And Credits 25.00 Purchases + 769.71 Cash Advances + 565.50 Balance Transfers + 0.00 Finance Chages + 41.63 New Balance = , $2,015.33 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback $onuSe Opening Cashback Bonus Balance $ 24.02 New Coshbaek Bonus This Period + 3.92 Everywhere Else + 0.00 Cashback Bonu38 Since Anniversary-Month Cashback Bonus Balance $ 27.94 January: $23.62 CONGRATULATIONSI Now that your award is $20 or more, you can redeem 0 in $20 increments by logging into the Account Canter at Discovercard.com or by calling 1-877-YOUR-AWARD (1-877-968.7292). How Can We Help You? I Visit Discovw.com to pay your 69 for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347.2683) fax fast, easy seWservice t M A h S ervice ccoun a Customer options or to speak wit anager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sall Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. D s P ate Da Payments and Credits May 15 May 15 PAYMENT THANK YOU $ -25.00 Merchandise/RetaB May 3 May 3 WALMRT SUPERCNT 005358 SHIPPENSBURG PA 45.34 May 4 May 4 'GA'P #6609 CHAMBERSBURG PA 165.49 May 8 May 8 WALMRT SUPERCNT 005358 SHIPPENSBURG PA 38.14 May 12 May 12 WALMRT SUPERCNT 005358 SHIPPENSBURG PA 82.34 Restaurants Apr 26 Apr 26 PIZZA "N' STUFF SHIPPENSBURG PA 18.55 Apr 27 Apr 27 MARKET CROSS PUB & INN SHtPPENSBURG PA 36.16 May 1 May 1 MARKET CROSS PUB & INN SHIPPENSBURG PA 40.00 8985507 May 3 May 3 KNUTES PUB & GRILL SHIPPENSBURG PA 20.00 May 4 May 4 MONTEZUMA MEXICAN RE CHAMBERSBURG PA 41.00 May 12 May 12 MEI L1NS HOUSE SHIPPENSBURG PA 69.00 Gas/Automotive Apr 14 Apr 17 0070 SHEETZ00000703498 SHIPPENS8URG PA 20.01 May ,4 May 4 0069 SFIEETZ00000695498 CHAMBERSBURG PA 15.00 May 9 May 9 MARTIN GENERAL STORE 2 ORBISONIA PA 13.01 May 9 May 9 0070 SHEETZ00000703498 SHIPPENSBURG PA 19.01 Services May 3 May 3 VERIZON WIRELESS CHAMBERSBURG PA 146.66 Build Your Savings on YOUR Schedule) Open a Discover Bank Money Market Account and sign up for AutoSavers todayl Save money for whatever you wish by schedkAing weekly, bi-weekly or monthly deposits into your Accountl Visit Discoverbank.com. Member FDIC. Important hfomnton t tere b more than one page to this Wig slatamat. seethe back of each page lxadd Canal impomant infamatla . See your eardmamber Agieernart. Your Cardmember Agreement contain at the terms of yourACceud. Lost or stoles cards. Report arnedia(elrl Cat 1.800447-2613. Baling Risk Summary. M Case of Errors or QrestiahsAbord Your Bill: tyou Ihftk your bill is wrong, or t you creed more information about a transadionon your bit, write us on a your Vis. in your letter. give us Ihe following Wwrtakric, he War then 60 days rifler we sent you the fail bill an separate error or ofpaper at Discover. PO Box problern appeared. You can t Wephoe us. but Ong so UTnot 8413D.0421, as scon as Possible. ft no haw from Wth the Yoe name and Account number. The dollar andinl of the suspected error. Describe the am are cabin. I you an, why you breve there Is an em. t you need more Wormalion, describe One item you are unsure about. You do ndi have to pay arty amount in "(1011 Wftle we are Investigating. but you art slid obligated lo pay the parts of your bill that are not in question. While we investgam your question, we central repel you asdeitguant or take any coon to 001110rC1 the amaW you question. Special Rule for Credit Card Purdisoes, If you have a MUM wilt the Wally of goods or services Inert you Purchased with a aedd card, and you have Mind In good Wl h to correct the problem wan the medial. you may not have to pay the nrnmeirkq entrant due on the goods or services. You have lift protection onlylahen the purchase price was mss than $50 and Ora purchase was made in your horns state of "M 100 antes of your maling address. (if we own or operate the merchant. or owe mated you she advertisement for the goods or services, ad purchaaes are covered regardless of the amount or location of purchase.) Payments Send randy yew payment and Bee top portah obi t eslaaernent b the erwelope prov+reki Do not send cash. By sending your deck as described above, you sutwrite us to use fdonnatiah on you dhed b make an dedronic fend transfer Mom your attahtt at dha feharncial t s con irrdiated on yam deck or to process the payment as a check transaction. t payment is Processed sal en dtatc fad transfer Bee lrarrSler co t ba la tle snout of to check VAmen we use Mdprnnta loom yaw deck to make an etecuatc fund transfer, fatds ma( bewrihhawm Mom your extant as soon a Ins same daywe receive your payment acrd You w6 rid receive your check lack from your frranciat knalution. The prooesslg of ytwr payment may bu dMayed tYou send cash correspandarce coder demswnth Yoe Payment. d you send to payment to spy other address or I you use an envebpe ttlror thwr Ita one povded. Payments received in proper form star procesaiTg M 5PM brat time on any day vA be credted to your Account as of got day. Payments received al our procesdnp faa3ly edarSPM bcsf time w N beaedted b your Accertnias of ore next day 0 yon have misptated yourerwelope, send your papal to Discover, PO Box 6103. Card Stream. Q 80191•bY03, Pease alav 7-f0 days tadtalvdy N you payment a refrned ur+pa d we reserve the right to resubmit R as an atecMOnbdebit: You can pay minimum payment or a greater amount over to elephone, and you can set up automatic payments Cal us at 1.800.347.203. You colt reed this statement and you bank account inbnnation. You mat ensure tut sul6derd kids are available in you bank account, and at transactions must xmmpty Wit U.S. law. you will be asked to provide the W 6 digits of your !Chant statement ZIP code. By entering those numliars as your eteaoncsignature. you will be agreeing to ft autnorizatton to allow us and your bank to deduct each payment you sutlarize fan you bank account, and lo YWO deN or credit entries to you bank accamt, as Wpficable, to cared an error in the process g of such payment. You must tell us she amount of each payment, or you an select an amernt suds as the kimknun Payment Due or ft New Balance on such statement. You can cancel a payment, however, we must receive notice al West One business days in advance of the scheduled papal. You may (cony us by phom at will be made ?2 83 ? or by mall much it wdimba Y? Automatic In die " pam? bye ass your payments may vary in amwud. "w? tell you on each me" swami Ow your PaY? than indicated on the monthly statement based on aeddsor payments applied dung the biting cycle, Crsdt Reporting. % trey report Worm" eboutyour account to credit bureaus. (ate paymeM. missed payments, or other defaulls on your account may be receded In your credit repot. We normally report the slates and payment history of your Account to credit reporting agencies each month, If you beteve that our repot Is Ireaurete or incanpete, please write us at the Waiving adores: Drsww. PO Box 15316.Wilmington. DE 11)850.6316. Please Include you name, address. home telephone number and Account. number. Pertodlc Finance Charges. Except as provided below, wevds Impose Periodic Finance Charges on purchases, ash advances and balance transfers beginning with to data the tram58Caal occurs until the dale of repayma tsod on Oki Balances will the data of repayment Old Balances are comprised of either purchases and ash advances made on or prior to ahe last day of your tilling period ending during Febrvay 1983 or Reserve (ba balances. You can world payment of Periodic Finance Charges on maw purchases if you pay Uta New Balance shown on the billing slatemerd on which the purchase Ant appears by the Payment Due Date, and the Palmnarle and Credits on that statement equal or exceed you Previous Balance. We all fiis to *grace period' You bu not have agrace period on balance transfers or ash edvaneas. Periodic Finance Charges are imposed on new balance tranders and cash advances begirnlrg vdtm the dale file transaction occurs. Periodic Finance Charges are Imposed on all hansacem and Off Baloms umMT the date of repayment Repayment mean payment of you titre New Balance. ftowever. if you pay the New Balance shown an this billing sla wnent by the Payment Due Dale. and Pe Payments and Credits shdwm on this statement equal or exceed the Previous Balance, we w8 not kripose PeMdicF'asnce CMngea on new Ptrctsses. tut is. purdesas hit eppesrMg on Ina slatamat. t yen Accaxt Vies dosed as W: (1) September 21.1999; of (al AuguM 3t, 20Di ad was fomrody a Dlsoover Prune Opliom.Discover NsdonalANanc?e br Species Survhkal•''or Urhiversat StudasACauM: a ("e} September 3D.2001 urtd was Mrtrhtrly a Dismva SnhhBsortamr Account, you can avod papred ud Periodic Fnnaha Gtnargea t you pay the New Balarmce shownon Ins Statement by the Payment Due Ogle and the Payments acct Credits at bits selementequal a exceed you Previous Balance. Othervdse, You welt receive a lilting slatumtamt next month that Imdtrded Pedodk Finarhrs CharWs imposed urt3 the data of repayment. Yk compute Parlodk Finance Charges each day for purchases, cash advances. Valance Wank rs and Old Balances (which we refer to as transaction categories) by using the lcd wig equation; Average Daly Balance x number of days In Via bang period x Daily Periodic Rate. (Reler to the finance dharge summary on the fond your statement for these amounts) Then we add all the Periodic Finance Charges for each transaction category toad die tool Periodic Finamce charges for your Aocoui t The average Dally Balance is shown as 0 0 no Periodic Finance (:hanger apply to am balance in a trasedlon category. We use the Average Daly Balance (Including now transactions) method of calculating to balance upon which we Impose Periodic Finance Charges. We corn" the average dally balance for each transaction category by adding up all Ore daily balances In a biding period W a transaction coke" and dvkrkkg the total by the number or days in the billing cycle. We compute the daily bam fa each transaction category meach day by first adding the following to ft previous days daily balance: transactions made 00 day, ices charged that day an taigirs accrued on the previous day's daily balance; and by then subtracting any credits and payments that are applied against the balance of the uansadion rid Balances; are excluded form the balance of the purchase and ash advance transaction alepies. Special rate balance transfers and Balance Trawler TransaG'an Fee Finance ce Marsier uansadios cafugory. Baence tranafersthat woe wtyed to en Mttial rate that has been ekmlhaed cue to a (ate payment are Clhages ere fhckndad in Ire daily 'an arse irttluced in ore category uhll edal rate dtronvise world news erpMad, la atadaYvhg the dlaly balance of Imbalance lrarelalrarsactah category on the test dull of the ng period vk subaad the muNUid balarnceor lose Balaroe Traneter Tr Fee Flkance Charges and ba>arce transfers Pot became purchase rate balance transfers on bud that linpald balance b Bee balance err the p rdrose t8tl5actam allegory. day ad .O AB fees charged b your Account ane added 0 Be purdnass transaction wph the exuptah or CashAdvanc8 Transaction Fee Finance Charges which are added to the cash advance transaction allegory and Oakum ha Tramkr TrarseeMon Fee Fle?rmo?e Chargaswfrdr are added b the Deence Meatier transaction caegory. It a transaction made in a previous t 7hng parbd a darril an tits statement we consider Una earsaction dale to be the 1Mstday of tin pmmmt It6ng period when we wialale your Periodic Finance Charges. For TDD gesecommurtcstons Device for the Deaf) assislsnes, pease call 1400.747.7469. Discover may monitor andlor record telephone cads between you and Discover representatives for Warty assurance purposes. The Discover' ' card is issued by Discover Bank, Member FDIC. OITBK056 DISC VER NATALIA DE LA ROSA IDWOVEK Account number ending in 0453 Go green. Go papedess. Join the effort to save trees and deal up your mailbox. Just sign up for Pap 6s; Statements and you can help save over 70 million pages per year You'll also be helping yourself to 24 months of posirwordprotected, statement history, complete with merchant names, locations and zip codes. Go to Discover com/paper6s and sign up for Paperless Statements today. 62010 Dhcow Bonk, Member FDIC 1V4 a PPRGBN.0610 Closing Date: May 16, 2005 page 2 of 2 Cash Advances May 5 May 5 M&T WALNUT BOTTOM SHIPPENSBURG PA 252.00 May 5 May 5 CASH ADVANCE TRANS FEE FINANCE CHARGE 7.56 May 8 May B M&T JEFFERSON STRE SHIPPENSBURG PA 61.50 May 8 May 8 CASH ADVANCE TRANS FEE FINANCE CHARGE 5.00 May 14 May 1A M&T WALNUT BOTTOM SHIPPENSBURG PA 252.00 May 14 May 14 CASH ADVANCE TRANS FEE FINANCE CHARGE 7.56 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. Coll 1.877.353.0966 today or visit Discovercard.com to find out if you qualify for a valuable Balance Transfer offer 11'3 a fast and easy way to save money) The Discover(R) Gift Cad is a Festive, prepaid cord that works just like a credit card - at malls, online and most everywhere the Discover Cord is welcomed. The Discover Gift Card is the perfect gift for everyone and every occasion, so your gift-giving possibilities are endless. And think of the time you'll save shopping and gift-wrapping. Increase Your Cashbook Bonus(R) By Paying Yaw 0116. Galling rewarded for paying your bills has never been easier. Just contact the companies that you pay on a regular basis to have your bills automatically charged to your Discover Card. Build your Cashbook Bonus(R) with each payment - unlimited earnings without hidden fees. FREE Additional Cards for your Account allow you to share your credit line without sharing your Cad. Request FREE Additional Cads for those close to you to help with dally shopping and errands and to use as credo resource In case of emergency. Call I-$MDISCOVER or visit Discovercard.com/AdditionalCords today. MGM Charge Summary Nominal Transaction ?rage Av Daily ANNUAL ANNUAL Periodic Fee A ? 1 y Perl6dic T R FMt FINANCE 8atances ates R ES RATES ?_ S current billing period: 30 days Purchases $987.83 0.06299% 22.99% F 22.99% $18.67 $0 Cash Advances $150.16 0.06299% 22.99% F 48.72% $2.84 $20.12 The roles 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 Minimum Payment Due DISC'` VER $3,001.98 $61.00 Payment Due Date July 15, 2005 IS SDSNOA01 0007430 NATALIA DE LA ROSA 620 BRENTON ST SHIPPENSBURG PA 17257-2114 Account Number ending In 0453 Enter Amount Enclosed Below $ 1 1 Please coke check payable to Discover Cord or pay online 0 Discovercard.com. Go paperless and make your account Information more secure with password. protected statements only you can axess. Learn more at discover xiiWpapedess, PO BOX 71084 IIItarIIIIIII IIIIIISU1IsI CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space IIII pill 1rrrirllI11111111Fill 111ur1111list 11n111111111till above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 0000019864582617608350300198000500000061100 Discover Card Account Summary Closing Date: June 16, 2005 page 1 of 3 Account number ending in 0453 Previous Balance $2,015.33 Payment Due Date July 15, 2005 Payments And Credits 50.00 Minimum Payment Due $61.00 Purchases + 583.91 Credit Limit $3,400.00 Cash Advances + 386.00 Credit Available $398.00 Balance Transfers + 0.00 Cash Credit lam it $1,800.00 Placate Charges + 66.74 Cash Credit Available $398.00 New Balance = $3,001.98 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashbadr Bonuse Opening Coshbock Bonus Balance $ Now Coshback Bonus This Period + Everywhere Else + Cashback Bonu* Since Anniversary-Month Cashback Bonus Balance $ January: $26.39 27 94 2.77 0.00 30.71 How Can We Help You? 1 Visit Discover corn to pay your b$1 for no cost, vie=w your latest Account information, earn and redeem rewards and more It's your choke - 3 ways to help 2. Cal 14004ASCOVER (347.2683) for fast, easy self-service M A anager ccount options or to speak with a Customer Service Please have your Discover Card availabl e. 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. Trams. Post Date Daly Payments and Credits Jun 15 Jun 15 PAYMENT THANK YOU $ •50.00 Merchandise/Refa1T May 24 May 24 WALMART STORE 003549 KEENE NH 9.76 May 27 May 27 BEN AND JERRYS WATERBURY VT 43.16 May 30 May 30 WALMRT SUPERCNT 005358 SHIPPENSBURG PA 53.02 Jun 2 Jun 2 WALDENBOOKS 0101 1493 CHAMBERSBURG PA 70.92 Jun 6 Jun 6 WWW.CIRCUITC[TY.COM ARDMORE OK 74.17 Jun 9 Jun 9 W W W.CkRCUiTOTY.COM ARDMORE OK 11.65 Jun 12 Jun 12 COMICS WORLD CHAMBERSBURG PA 57.96 Restaurants May 8 May 17 KNUTES PUB & GRILL SHIPPENSBURG PA 20.00 May 29 May 29 PIZZA HUT #62610027835 CHAMBERSBURG PA 20.86 Jun 2 Jun 2 MONTEZUMA OF PA INC CHAMBERSBURG PA 27.00 Jun 8 Jun 8 RED LOWER 550 CHAMBERSBURG PA 43.01 Jun 12 Jun 12 MARKET CROSS PUB & INN SHIPPENSBURG PA 25.00 " ft"Vfve May 30 May 30 0070 SHEETZ00000703498 SHIPPENSBURG PA 21,00 Jun 12 Jan 12 0070 SHEETZD0000703498 SHIPPENSBURG PA 20.00 Travel/Entartainment May 30 May 30 BLOCKBUSTER VR)EO #422 SHIPPENSBURG PA 59.32 Services May 30 May 30 $HBG GOLF CENTER SHIPPENSBURG PA 5.75 Cash Advances May 30 May 30 736 CHAMBERSBURG M CHAMBERSBURG PA 42.50 May 30 May 30 CASH ADVANCE TRANS FEE FINANCE CHARGE 5100 Jun 6 Jun 6 800 WAYNE AVE CHAMBERS8URG PA 302.00 Jun 6 Jun 6 CASH ADVANCE TRANS FEE FINANCE CHARGE 9.06 Jun 13 Jun 13 M&T JEFFERSON STRE SHIPPENSBURG PA 41.50 Cal 1.804767.7315 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 sous moneyl Important Information. II there is more than one page to this bilkg statement, see the back of each page for addttiaral imporW ifonnation Se,your Cardmember AgroOOK Your Cardmember Agreement contains all to farms of your Accoura. Log or stolsnaads.Report i insdiatelylCall14*347.M3. BtWag Rights Suscomary. In Case of Errors of QwAmAbort Ycr OR Iyou M your bill is wrag. or it you need more Idornaton about a transaction on your K Write us on a separate sMetof paper at Denver, PO Box 30421, Sell Little fSIY. UT 84130.0421. as soot as possible. We must hear firm you no later than 60 n? after we sent you the fast bill on. 4 kh the amoror problem appeared. You can talephom us, but doing %will not preserve you rigm • y War. give us the following Information; Yom ram snit Account number. The dollar amount of the arspeded error. Describe the error and to sin, 0 you can, vly you believe two is an error. N you creed more kdormstlon. desathe the Item you unsure are about, in queetim Wh te investigate your You do mat lave to pay any amount hp?UOn wrote we are Irveatitatn9, but you are site obligated to pay Me pans of your bill a are rtoi gcesport, we cannot report you as dekrquernar We any action to collect Ste amount you question, special Ruts for Credit Card Purchases: N you have a proble n with the quality of goods or services that you purchased with a creddcard, and you have tried in good faith to mina tie problem wits tae merdWL you may, tat We to pay the redraaaelg amount due on lire goods or services. You have tits protection only Mon the purchase price was more than $50 and the purchase was made In your fame slate or vAtirt 100 mass of your mating address. (Axe oral or operate the merchant. or Twa mWW you she advenisemem for the goods or services, at purchases are covered regardless of me amount or loceton of purchase.) PaynaMS. Send only yorhrpsynxrtarsd tlelop pMbn dthis ataerlenl i liaenvelope provrdat• Oo not send cash. By sends g your dark as described above, you authorize us to use Ihbnnabon on your nhed betake on elewortc Arthd bannler flan yea areoaat at the knhahcial isttuton indkahd m your check Or to process the payment as a deck trM%BdM N pay "Is processed as an eladtra+o kxtd earthder, the trailer x# be fa re arnast of to check Wheth we roe idomtetiah from your chack to make an electronic held transfer, kahds may be vrithdrawn tom ygor amrnelt soon as the sarax daywe receive your paY youwill not hex ve yar ctreck back hen you Wahaclal isGWfarl Trio processing of your payseM may W daldyed NyW send ash, omresp xtdwlceaother flares wino yda payminaL N you send ft payment i o any other address or a you use an envelope other tlhwt the ono provWed. Payments reoeiwed i proyrer tarn al au processhhg facRty by 5ph1 bed rime on any day will be swilled to your AowA as of tat day. Payments received at our processng tadity etarSPM bad fore ors be cradled b your Acmut as d the next day. Nya? lava misplaCed yea enveope, send your payment to Di5COW. PO Box 6103. Card Stream. IL 601976103. Freese stow 7-10 days ter delivery. N you payment is resumed Impaid, xe retxrva the right to resutxrot it as an eledwrdcdebd You can pay mm imam payment or a greater amaxtover the telephpns. and you can set top automate par"W Cal us at 1-800.347+2683. You will need tile statement and your bank acmxtt fntomatbn. You mud ensue that sufficient funds; we avow in your bank account, and at transactions must ocimplywith U.S. law. You will be asked to provide the 5rs15 digits of your acmes staterrrenl ZIP code. By enterng those naunbers as your steekonle signabae, you will be agreang to this auth otblio h to arrow us and your bar* to deduct each payment you authorize kom your bark aaomt and to irttlate debta aedi emries to your bank accaum, as applicable, to correct an error in to processing of such payment. You must te1 us the amofml of each payment, or you can select an maw such as the hull um Payment Due or the New Balance on each stwaaenL You can cancel a payment, Irwvevec we must receive notice at lead Was, business days in advance of the scheduled payment You may n ally oa by phone at 1-0347.2663 or by mall at the address listed in the previous paragraph. If tefemem Mw your payment ors be made and ten much it will be. Your Automatic payment amount may be less payments applied ck" this AV cycle, your iled ta me monthly very in amoA statement voill tell you on each or monthly g Credit RepDdh* Vita may repot ilormatora abet yak amount to a*& bureaar. Late payrrhents,, missed payments, or other data& on your accciA may be reflected in your oredt repot. We normally report hits a" and payment history d you acootmt to credit ngageopas each mash. If you believe Ihat out repot is inacurale or incomplete, pteasewrite us at the following address Discover. PO Box 15316, Wilmagton, DE 118&50.6316. Plem Include your name, sddress, home telephone number and Account somber. cash ith the beginning Inansifens and beltunce advances 4 at Pariodic torso Chairges, Except as till the the ate of of repayment provided ow l we will irrpciss Periok s r? of ?(M Bait comprised of either purchases and cash advances male on or prior to kartshoiah Dears until dale arid P87merd• oss are the last day of your billing period ending Outing February 1993 or Reserve Lie balances. You can avoid payment of Pai)dk Fine Charges on new purrdhasec it you pay the New Balance drown on the W M statement on witch the purchase first appears by the Payment Due Dais, and ft cash advances. Pew FFkanu Charges are imposed (n new balance transfers amt cash advances begkm ng with h da do period' You (b not have a t e transaction omasrace t>d on balance transfers and Credits on fiat sissement equal or m=W your Previous Batme. VA call this ft Pmodc Fxharte Charges are imposed on at VainsaMwhs and Old Balances until the date of repayment. Repayment mearhs payment of your entire New Batence. However. if you pay to New Balance storm on this billing statemert by the Payment Due Dale. W the Paymots and Credits shown on rids statement equal or exceed the Previous Balance, we will not impose Periods Franca Charges on new purchases, that is. purchases first appearing on this statement. N your Awccwrt was closed as of. 0) September 27,1999: or (d) August 31, 2001 and was formady a DWo%w Prone Option, Disc" National Alliance For Species Sumt2F or Universal Studios Acmun: or (f$) September 36. 2001 and was formerly a Discover Smlehsatah Account you can avokt payment of Parodic Fiance Charges X you pay the New Balance shown on Uts Statement by the Payment Due Data and Do Payments and Credits on Sts statement equal or exceed you Previous Balatoe. Otherwise, you will receive a biting statement next march that included Periodic Finance Charges Imposed until the data of repayment. quo compute Periodic Fnahce Charges eadi day for purchases, rash advances. balance transfers and led Balances (which we refer to as transaction casegoties) by using the following equal on:Avaage Daily Balance x number of days in ear bDing palod x Daly Periodic Rate. (Rota to the finance charge summary on the (roof of you statement for these anhouhrs.) Then we add all the Periodic Finance Charges for each transaction category to get the local periodic. Finance charges for you Account The average Daly Balance is shown as 0't no Periodic Fiance Charges apply to the balance In a Wisa lam category. We use hie Average Daily Balance (Including new usessoaxw) mated of calculating to balance upon which we, impose Periodic Fiance Charges. We compu s the everage dally balance for each transaction category by addhrig uq all the dally balarhces in a bOM period for a kmsacfon category ant dMft the 101st by On numawof clays In, to billing cycle. We compute gar dally balance for each transaction category on each day by fal adclrg the blolvi g to the previous day's daily balance; transactions made that day, fees charged that day =M. beiges accrued on the previous day's dally balance: and by than subuadMg any credits and payments tat are applied against the balance of the transaction old Balances are excluded kom the balance d to pudese and cash Ovum barrsa lim catepries. Spacial rate balance bahsfers and Balance Transfer Transaction Fee Finance Charges we kAWW in the dally balance transfer vansaction category Balance treaders that were suW to at dreial spedal rare tat tors been terminated due to a tale payment are also kckxW in the category unq the MW special is#otherwise would have expired. In calatairig to daily balance of the balance transfer transaction category on the first day of the Mr* period, we si bbat the unpaid baance of those Balance Transfer Transaction Fee fiance Charges and below fa sfes that become purchase rate balance hamsters on that day and we add to unpaid balance toga balance of the purchase transaction category. AN tees charged to yourAcoourt are added to the purchase 7aisaWar calegorywita the exception of Cash Advance Trensacan Fee Finance Charges witch ore added to the cash advance transaction category and Salance Trarrstw Transactors Fee Flare Charges which ore added to the balance transfer transaction categrny, to transaction made in a previous tdMng period is itemized on rids statement we conatdw the transaction date to be the tenet day of Oe omant biting period when we calculate your Periodic Finance Charges. For TUD (fekcommunkarom Device for the DeA assistance, please cell 14g0.347.7449. Discover may monitor andio record telephone cats between you am! Discover representatives for quality assurance p(eposos, The Discover' card is issued by Discover bark, Member FDIC. OITBK056 DISC: VER It Pays 10 NATALIA DE IA ROSA DISCOVER Account number ending in 0453 Go green. Go paperless. Join the effort to save trees and clean up your mailbox. Just sign up for Paperless Slotements and you can help save over 70 million pops per year. You 1 also be helping yourself to 24 months of password-protected, statement history, complete with merchant names, locations and zip codes. Go to Disamr com/pape&ss and sign up for Peerless Statements today. 02010 Discover Bank, Member FDIC 14 s PPRGRN.0610 dosing Date: June 16, 2005 page 2 of 3 Cosh Advances Jun 13 Jun 13 CASH ADVANCE TRANS FEE FINANCE CHARGE $ 5,00 Supermarkets Jun 5 Jun 5 GIANT FOOD STORES #61 SHIPPENSBURG PA 21.33 information For You Balance Transfer offer for current billing period: Daily Periodic Rates 0.01342%; corresponding ANNUAL PERCENTAGE RATE: 4.90%. Rate is subject to the terms of the offer including wpirotioa. FREE Additional Cards for your Account allow you to shore your credit fine without sharing your Card. Request FREE Additional Cards for those close to you to help with daily shopping and errands and to use as a credit resource in case of emergency. Cap 1-800-DISCOVER or visit Discovereard.com/AdditionalCords today. Now you can save up to 50% on health care by becoming a PlanPks(SM) member. Plant lus is not insuranceand provides discounts on health care products and services. PlanPlus can be used with your insurance plan for even greater savings. For information on this valuable membership program, visit Discoveroxard.com/PlanPlus or call 1-800527.7783. Discover 2GO(R) Card is the FREE compact companion to your Account. You can use t everywhere Discover(R) Card is welcomed. To request yours, call 1-800-DISCOVER. Congratulations to the 2005 National Discover(R) Card Tribrte Award(R) Scholarship winners: Caitlin Barrett, Daniel Cayce, James Craft, Tiffany Grant, Somoer Gupta, "honda Keafm, Logan Skel6y Paulo Quesenbetry and Kolby Vanhfewkirk. Each won $27,500 for post high-school education or training. Visit Discovereard.com/tribute.htm to team more. MRMI1if`i Charge Summary Average Daly Bol kince Daly Ratessdic Nominal ANNUAL RA ? TAG£ ANNUAL RARCESNTAGE Periodic FIM C Transaction Fee FINANCE CHARGES current billing period: 31 days Purchases $1702.92 0.06299% 22.99% F 22.99% $33.26 $0 Cosh Advances $738.51 0.06299% 22.99`Y. F 54.40% $14,42 $19.06 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). Dosing Date: NATALIA DE LA ROSA DISC' AVER June 16, 20D5 Account number ending in 0.453 page 3 of 3 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: January 16 Balance Previous Cashbock Bonus Award Balance $ 27 94 Purchase Award This Period + 0.00 2.77 0.00 Cas ac Bonus Award Total 30.71 Cashback Bonus Award Balance Award Available to Redeem 8985507 30.71 $ 20.00 RRestrieNons apply to ashback Bonus Pier offers visN Diaowr oom or 1! 1.800-DISCOVER (1-800-W-2683) for detoils. For progra,!%t ails, sea the Cashback Bonvs progmm Tarrns and Conditions. New Balance Minimum Payment Due DISC: VER $3,544.88 $132.00 Payment Due Date August 15, 2005 is SDSNSaot 0007431 NATALIA DE LA ROSA 620 BRENTON ST SHIPPENSBUR6 PA 17257-2114 Account Number ending in 0453 Enter Amount Enclosed Below $ Please make check to Di?cove o c You are overlimit, ay sum o thmse y minimum payment pkn the overlimit amount of $i4A.88, Go p"dlese and make your account Information more secure with password- p vteoted statentet>ts only you can access. Learn more at discover cowdpaperless. PO BOX 71084 11l,Bills 1114111111so191111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space 11,111111 11111111111111(1 (111111111111111111111111111111t11111 above, or go to Discover.com. Print your eanail address to receive important Account information and special offers. 000001986458261760835035448800000000013200 Discover Card Account Summary Account number ending in 0453 Payment Due Date August 15, 2005 Minimum Payment Due $132.00 Credit Limit $3,400.00 Credit Available $0.00 Cash Credit Limil $1,800.00 Cosh Credit Available $0.00 Closing Date: July 16, 2005 page I of 2 Previous Baance $3,001.98 Payments And Credits 0.00 Purchases + 162.97 Cash Advances + 304.50 Balance Transfers + 0.00 finance Charges + 75.43 New Balance r $3,544.88 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Cashback bontW Opening Cashbock Bonus Balance $ 30.71 New Cashback Bonus This Period + 0.44 Everywhere Else + 0.00 Cashback BommOSinca Anniversary Month Cashbock Bonus Baiaince $ 31 15 January: $26.83 How Can We Help You? I Visit Discovar cum to pay yew hill for no cost, view latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Cal 1-800-DISCOVER (347.2683) for fast, easy selfservice options or to speak with a Customer Service Account Manager Please have Discover Card available. your 3. Write us at Discover Card, PO'Box 30943, For TDD (assistance far hearing impaired) see reverse side Sob Lake City, UT 84130 Transactions $0 Fraud [lability Guarantee Use your Discover Card with confidence. Trans. Post Date Dab Restaurants Jun 19 Jun 19 MONTEZUMA OF PA INC CHAMSERSBURG PA $ 42.35 Jun 21 Jun 21 RED LOBSTER 550 CHAMBERSBURG PA 39.00 Jun 22 Jun 22 BROTHERS PIZZA $HIPPEN SHIPPENSBURG PA 7.62 Other/Miscellaneous Jul 15 Jul 15 LATE FEE 39.00 Jul 16 Jul 16 OVERUMIT FEE 35.00 Cash Advances Jun 15 Jun 17 800 WAYNE AVE CHAMBERSBURG PA 202.00 Jun 15 Jun 17 CASH ADVANCE TRANS FEE FINANCE CHARGE 6.06 Jun 23 Jun 23 736 CHAMBERSBURG M CHAMBERSBURG PA 102.50 Jun 23 Jun 23 CASH ADVANCE TRANS FEE FINANCE CHARGE 5.00 Information For You Your account Is past due. Please pay your minimum monthly payment plus the past due amount. ,8985507 Imporum Intormatlon. ahem is more flan Ora page tip tlda bifrg SiatemlEm, see tieback of each page oraddtonal impoaram Inb-bxm. See your Cardmember AWeemenl Your CardnemberAgreernanl Consains all the terms or yourAcco mt. Lost or stolen cards. Report immediatelll Call 1.600347-2863. 86618 Righle stmenarlr in Case of Crrorsor OutotionssAboul Your Bit: tyou t ink your b vworg, a tyou need more inlomnatan about a aansacton on your bS, Write Mon a seloarata shad of paper M Discover, PO ft rror or Mblam appeared ? 36telephone 42 1, SON LOAM City, UT us, but dpng so ?YA not 2 presone your rig[AS. In your War, give us the you intonaall no later than 60 days after we tent your tins fat ill on which the e • You name arWAOOOUnI number. the doileramout of the suspected errot. Describe be errs end explain. 0you can. Why you believe tlare is an em r. Ifyou need more Inlamnallon, dmalbe the hem you are unsure about. You do not have b pay any amount N question whls we are mvesigaing, but you are aW otApM to pay the parts of your big Ihal are not In quegm While we Investigate your question, we canna report you asdetnquem or take any action to cow the amount you question. Special Rule for Credit Cord Purchases: If you have a problem with Ire quality of goods or services tat you purchased with a credit card, and you have, VW in good bib to correct the problem wM the merdhard, you may not have to pay to remaining amount due on ft goods. or services. You have rims protection only *" the purchase price was more than S50 and rte pucaae was made in you home stale orwft 100 rift of your malko address, (l we own or operate the merchant, or lwe mailed you the advertisement or the goods or services, an purchases are covered regardless dt he W04 or location of purchase.) Payments. Send only your payment and the top portion d Of statement In the emebpe provided, Do no send cash. By sending you check as described gave, you adadze us to use Wo maion on your dxdd to make an electronic buW tmnskr iomyour account at to toncial instilWon khdmW on you check or to process the payment as a dhedk transaction. If payment is processed as an electronic lend tromfer, the sander w9 be (or 0% amore of the desk Who we use In ormallon uom you dhedc to make an elecUadc find transfer, funds may be Withdrawn kom y ur aeceuanl as soon as ire some day we receive your psymenl and you will ad receive you check back: bom your rnandoll irdlution. The pnoceasinil of your payment may be delayed t you send hash, wnesgandence or cOw Items vAh you=** t you sand the payment to any other address or l you use an envelope other than the Dra provided. Payments received In proper lam at our processing; faciRy, by SPM on ary day %W to credited toyour Aamud as of that day. Payments received at our processing fadhy alter5PM local time will be aedkd to yuurAcmum as dOro saxt day If you have moloeed you onebpe, sand you payment to Discover, PO Box 6103,C41101 Stream, IL 60197.6101Ptaase elan 7-10 days brdetvery. Myocv pa"t s mUTed unpaid, we reserve the dgM to resubn* it as an ekceaia debiL You can pay midnaaa payment or a greater amount over the telephone, and you can set hp Was* payments. Cal us at 1-M347-2663. You will need ids statement arhd you bank account Womhation. You mist ensue that sulfdent hunts are avallable if your bank account. and all transactions must comply with U.S.low. You will be asked to PwAde the fist 5 dgls of you account statement ZIP code. By emetng those munbms as you eiecWnte slgnalum, you will be a¢eehng to ids aWadzafbn to elow us and your bank to deduct each payment you authorize from you bank amount and to V*a%debtor aedl entries to your bank aaourc as applicable, to Domed an erw in the processing of such payment. You must lei us the amount of each payment or you can select an snout ouch se the btndmun Payment Due or the New Balance on euh statement. You can cancel a payment, however, we must receive notice at least tree bushes days in advance of the scheduled pa You may notify us by phone at i-600 347-2663 or by mall at ire address filed in to previous paragraph t you payments may vary in amour, we Will tell you on each mor" srolement when your payment will be me& and how much it w1ti be. Your Autom* payment am" may be less than indicated on to monthly statement based on credits or payments drug the bi6g cycle. Crodh Report". We may report information abort your aahorn to credit baeaks. tale payments, missed payments. or other defaults on you account may be relecied in your credit h? the bung address: the slows and Discover PO Box i6 Wl , DE 161505316. Pmpwft oprides W month. If you believe that our lease include your name address, h phone mn? Account numb ourto Periodic Finance Charges. Except as P below, we Wg Impose Periodic Fam Chooes on purchases. cash advances and betance transfers beginning with the date the uansaclon occurs wM the data of repayment and on Old Balances unB the date of repayment, Ole Balances am co mpread of either purchases and can advances made on or prior to the U day of you Ming period ending dWq February 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases l you pay the New Balance show on lie b%V statement on which the purchase brst appears by the Payment Due Date, and to Payments and Credits on that statement squalor exceed you Previous Balance. tNe al this the 'grace period You to not have a grace period on balance tansfem or cash advances. Periodic Finance Charges are imposed on new balance transfers and cash advances beginnkg with the dale the transaction onus, Periodic Fusnce Charges are imposed on of basacions and Old Balances unit lie date of repayment. Repsymem moons payment of your entire New Balance. Homer, It you pay the New Boanoa showman Ode b*V statement by the Payment Due Dale, end the Payments and Credits shown on tiffs matament equal or exceed the Previous Balance, we A rout impose Pe odic Finance Charileson new purchases, tat is pudnaes Gal appearingon this statement. t your Aaaa+t was dosed as ot: p) September 27.19%; or (1) Anguat 31, 2001 and was famady a Discover Prime Option, Discover Noiond Alum for Spades SurhW or UnImmal SkK%s AccamC or 00) September 30, 2001 and was formerly a Discover SmithsonianAoeaxd, you con avoid Payment of Periodic Finance Chapel l you pay the New Balance storm on ids Statement by to Payment Due Dale and Oa Payments and Credits on this statement equal or exceed you Previous Balance. Otanvise, you vA receive a biting statement next month tat Included Partodk Rom Cheops laposed wa Ina date of repayment We ampula Pedodk Finance Charges each day for purchases. ash advances, balmoo transfers am Ole Balances (Which are rater to as kansadon ategoies) by us%Ve foilow g equation; Average Daly Balance x number of days In the ON period x Daly Periodic Rork. (Refer to to finance dace summary on the fraud your statement for these amounts.) Then we add at the Pedalo Fihehce Cbwps for each trans8dlcn categoy to get the coal Periods Finance Barges fa yap Account The average Daly Balance is shown as O lino Periodic Finance Charges apply to the batarae in a transaction category. We use the Average Daly Balance O u*Q new transactions) method ofcODAM9 the balance upon vRdch we impose Periodic Finance Charges. We compute the average daily balance for each transaction caegoy by ad ft up all the daffy balances in a bung period for a Yansadion category, end 64ft the total by the number of days N the bftkg dyke. We ampule the daily balance fa each Uwaactlen eatogony on eschday by fret addM to tolawkg o the prevous day's daily balance: transactors made that day, fees darted that day and PwW4 Flom Charges accrued on the previous days daly balance; and by then snbtradmg any secs and payments that are applied against the balance of the transaction O Odd Balances are excluded from the balance of the purchase arc cash advance transadfon categories. Special rate balance Iranafars and Balance TmnskrTransaction Fee Finance Charges are included in the daty balance transit, Imnsectionakgay. Balance transfers tat were ettted to an irxbat special rate that has been Wmkated due to a late payment are also i ckndad in to category un8 the idD'21 special tale otherxlse wound have exp lad. In calauleing the daily balance of the balance transfer wansedon campy on the fast by of the p tln uWW t he balance urn old to the balance 00" Transler sTrransaction at Finance Chagas and balance fmn*ers that become padase role balance transfers on that d the Comm All fees durrged to your Account ere added to the purdase tasedion cakpory with, the emoepfion of Cash Advance TmwAc on Fee From Chargesvdnch are added to the ash advance trersoclon category and Balance Treader Transocfon Fee Finance Chagas Mich are added otse balance trensler transaction category. i a transaction made in e previous oiling period is ken ized on tins stakmBnl we eonskfer the iasacton date to be the fist day of the current bWM period wean we calculate you Pencxflc Finance Chagas. For TO (7alecommuntoatona Device for the Deal) assistance, please at 14tt347.7449. Discover may manila andormmo telephone calls between you and Discover representatives for quality assurance purposes. The Discover" card Is issued by Discover Barth, Member FDIC. OITBK036 DISC, AVER It pot's to NATAUA DE LA ROSA D*CQYER Account number ending in 0453 Go green. Go paperless. Join the effort to save trees and clean up your mailbox. Just sign up for Poper6ss Statements and you can help swe over 70 million pages per year. You'll also be helping yourself to 24 months of password-protected, statement history, complete with merchant names, locations and zip codes. Go to Discover.com/papeidess and sign up for Paperless Statements today. 02010 04to r Bank. Member FDIC O? a PPRGRk.0810 Closing Date: July 16, 2005 page 2 of 2 PKIAW Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily PPe is PERCENTAGE PERCENTAGE FINANCE FINANCE Rates S 9AM current billing period: 30 days Purchases $2092.69 0.06299% 22.99% F 22.99% $39,55 $0 Cash Advances $1313.80 0.06299% 22.99% f 32.77% $24.82 $11.06 The rates that apply to your Account are either fixed IFj or they may vary M as noted above- QMS6011S? Manage your account at Discover.com or call 1-800-DISCOVER (1.800-347-2683). New Balance DISC: VER $3,513.31 16 SDSN6A01 0007432 HATALIA DE LA ROSA 620 BRENTON ST SHIPPENSBURG PA 17257-2114 Minimum Payment Due Account Number ending in 0453 $71.00 Enter Amount Enclosed Below Payment Due We $ 1? September 15, 2003 make cheek??, to Discover Card, te f h e man* t re overbPay lt* sum o a imu payment plus The overlimit amount of S 1 13.31 Go pspsrleBe and make your account intarmatbrl more secure with password. protected stateinents only you can Boom, learn more at dlscoveroorrdpaperless. PO BOX 71084 IIInsllnuullsllwr,Ilsl CHARLOTTE NC 28272-1084 Address, e-mablortelephormchanga$Print change in space ?nlrllalsnlrl?urlrrlr?uelll?urlr?Inlnllrrlrr?rrlrlrrl) above, or go to Discover.com. Prod your e-mail address to receive important Account information and special offers. 000001986458261760835035133300135000007100 Discover Card Account Summary Account number ending in 0453 Payment Due Date Minimum Payment Due Credit Limit Credit Available cash Credit Limit Cash Credit Available September 15, 2005 $71.00 $3,400.00 $0,00 $1,800.00 $0.00 closing Date: August 16, 2005 page 1 of 2 Previous Balance $3,544.88 Payments And Credits 135.00 Purchases + 35.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 68.43 New Balance = +$3,513.31 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuae Opening Cashbock Bonus Balance $ 31 15 New Cashbock Bonus This Period + C•00 Cashback Bonus® Since Anniversary Month January: $26.83 CONGRATULATIONSI Your Cashbock Bonusft) is wolfing for you. Visit Discovercord.com or call 1-0004ASCOVER to get your share of America's #1 Cash Rewards Program. Cashback Bonus Balance 31 15 How Can We Help You? 1 Visit Diseowr eom to pay your W For no coal, viewyour latest Account information, earn and redeem rewards are! more It's your choice - 3 ways to help 2• Call 1.800DISCOVER 1347-2683)6r fast, easy self-service Please hove Discover Cord available. options or to speak with a Customer Service Account Manager your 3. Write us at Discover Card, PO Box 30943, For MD (assistance for hearing impaired) see reverse side Sob Lake City, UT 84130 Transactions Payments and Credits Other/Miscellaneous $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dab Jul 31 Jul 31 PAYMENT THANK YOU $ 135.00 Aug 16 Aug 16 OVERUMIT FEE 35.00 Information For You Your balance has exceeded your Account credit limit by $ 11131 An overlimit fee maybe assessed for each billing period you exceed your Account credit limit. 8985507 Important Information. H dterei5 more ditmone page to 11ts biding statement, on nk bads dead! page for additional knporant irsarrr scam See your CordmemberAgreemord. Your CardmemberAgreemera contains oil the teams dyour Account. Lost or station cards. Report +xanIi Call 14347-2683. BU ft Rights Summary. In Case of Erbre or Questions About Your SIR: kyou thnk you b8 is wrong, or A you need morenk>rmaion about a transaction on your b8, write us on a ref we surd you the list h l4 on separate OW of paperal Discover. PO Ba problem appeared, you can ?2 takpo* us, but doing; so wYknot 2 preserve your rights nl yow eager, give i s One foeriAng infornedw: which ft enor or You rank end Assam number. The dolor amoud of the suspected error. Describe the am and explain.l you can, wiry you believe there is on enw. If you need more Wormatbn, describe the Iota you am unsure about. You do not have b Pay any amour! in *MOM while we am nvesligaring. but you are still obkgaled to pay the parts of your bill Art are not in question While we investigate your question, we cannot report you as delinquent or take any schm b carte!! the amount you question Special Rule for croak Card Purchases: k you have a problem wAh le qually of goods or sues that you purchased with a credit card, and you have tried in good filth to corned the problem with the maid" you may not have to pay the rig amount due on the goods or services. You hove In protection only #m the pwdase price was more Aso $50 and de purchase was made In your hone stele or wft i00 treks d yourmaft address. (if we awn or operate the merchant. or 1 we rated you to adverasemhent for tk goods or services, art purchases are covered repalessof the amount or lulcetm or purchase.) Payments. Said only your payment and the lop potion dogs statement in the wwefope pmvWW, Do rd send cash. By sending your chedhas described above, you authorial, us to use kdonmaiym on you dads to make an electronic kind transfer horn your account M Akfrancial insieft I dkat eel on your deck or to process the payment as a check trareecion. W transfer, A payment is processed as an elm fund transfer, rte transfer W)1 be for the amount of the dorn . will receMe your on dock from your do* to aka ai an electronic Institution. fords may be wiMdawn bum yaw account as soon as the same day, yep receive your payment, d you or The poxeaing of your payment may to delayed it you send coati, owespahderoe or diner hems with yourpay?m If you send the payment fo any odw sddmss or 6 you use an envelops other then the one provided. Poymesds received In proper form at our processing Bally by 5PM total tlmt on, mry day vil be credited to yawAaowt so or MM day Payments ?soovor.POeox receW l Strow, IL 9 offer local low7?-1810dday yss r onedilled delivery. ry Ifyour payment tis? lultd w?d?,w we r?eservn the A to isisubmit it as ? aneomdropoymeril rk dabdfo. 61 Card You can pay minimum payment or a greater ambahtbver Ain Weplaone, and you can set up automatic payments. Cal us at I-MD-34742663. You lw'l need Into tdaterent and you hank eMIXml nnrmalbn. You most ensure that sufficient fords areavalable in your bank account, and all transactions oral comply w1 h US. low. You will be salted to provide its fast 5 ages of your ecoourdsiMOidd ZIP code. By etdarlg th0w numbers as you electronic signature, you will be ogrreekg to tits a ion to allow us ad your be* to dedxd each payment you view" from you hank swount, and to Me* dads or crerift envies to your bank accowa, as WOW* to Wff d an MW in the ptocessng Of Such payment ft must 10 US the amount of each payment, or you can select an amount such as the Wrimum Payment Due or the New Balance on each statement. You can canoed a payment. howai ef, we most receive poke at least t has business days In advance of the scheduled payment, You may nolly in by phone at 1-600347.2683 or by trail at the address hated in the previous paragraph, if your paymanffi may vary In amount, we will tell you on each monthly statement vilren your payment will be merle and how much it will be. Your AutomalcpaymkN amount may be less than indicated on elk monlty Lklleent based on stoats or payments oppled during Ain batnp cycle. Credit Ropor ft ft may report Information about your a=ra to credit bureaus, I* payments, missed payments, or oft defaults on your amount may be idected in your crodni repot Yilee a0rmally raw the status and payment history of your Aww(d "e& reporting agendas each month. k you believe Art our report Is Inacaxrme or incomplete. please write us at the folaMog eddrerss: Discover, PO Bar 15316. Wilmington. DE 196503316. Please Include your name, address, tame telephone number and Account number. Periodic Finance Charges. ExsaW as provided below, we will impose Periodic Finance Charges on purdase& cash advances and balance tra+dea beginning eft the date the Iransecim ooaas unlit Alt date of repayment and on 00 BMances unW the dale of repayment. Old Balances ore eorrprisad of either purchases and cash advances made on or prior to the last day of your ban period erndng doming February 19X1 or Reserve Ike balerES. You can avoid payment d Periodic Fkwoe Cheirges on raw purchases k you pay the New Balance shown on the hing statement on vdtdl the purchase *at appears by the payment Due Does, and the Payments and Credits on that statement equal or exceed your Previous Balance. We cal pts 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 die, date M transaworn oeaas. Periodic Figanae Charges are imposed en at transactions and Old Bobrt= until the date of repayment. itepaymem moms payment of your entire New Balance. However. 9you paythe !Jaw Bagnce slhoxvnon link blYng statement by Alt Papmem Due Dak, sort ink Fayrknic and Credits dawn on Auk sklenent equal or exceed the Previous Balance, we wAl rat impose Pentode Fiance Charges on maw purdasea.lap is, purdxaaes teal appwring on Axb statement. U yourACceuM xis dosed asd; ?i) September 2T, l999; or (is) August 31, 2DD1 and was fomedy a Discover Prisons Option, Uscoven hl8pbrnai Npmhce fox Spores Survivals or thhMercal SkxlosAaount; a {Ile) September 30, 2081 and was farnety a Diaoovar Smehsonian Acceurd tax can svak3 payment u><Perfodtc France Chanyea A pay the New BMance sdamn on Bts Satemed by the Paymhant Duo Date and the Payments and Credits m Ids 9alamenteluxai or exceed tow Revaus Balance. OAuenvlse, Yee aril receive a bB6ng staknknl nez!math pet nduded Period's France Charges irrpeaed until the date of repayment. We compute Periodic Finance Charges each day for purchases, ash advances, bdonce sansaers and Old Belences (witch we refer to as Itemstedw colepies) by using the following equation Average Daly Balance x Iaanbef ddeye in the bling paned x pai y Periodic Roe. (Refer to Alt fiance charge summary on the front of your statement for ease amounts.) Then we add all to PBrtpdc Ftrhena Charges foreorh sensation category to get the trial Periodic France chaiges for your Account The average Daly Balance is sham as0 if no Periodic Fvteaa Charges apply torte balance in a transaction fategory. VVe use Alt Avenge Dally Balance (ndudng new tra 9os) method d elpAatirg to balance Won which we Impose Pmfodle France Charges. ie tdmpole the average daily balance lot each transactor category by adding up of the daily briances in a bang period for a transaction category and Orift the otal by the member of days In the aping cycle. We compute she dally balance for each IretaatAox category on each day by list adding the following, to the previous day's daffy balance: transactions made that day, rasa charged that day an pedpdn w accrued on the previous day's daily balance: and by men subtradng any credits and payments tat are applied aganst the balance of the tansadon Axe Old Ba an= are exckdecl irao the balance of the purdes t and cash advance sensadlm camples. Special rate balance translate and Balance TomferTromacfion Fee Finance Charges are sahnded n the daly balance!rotator usncadan atefie7. Beknce trurnsters Aalwele auged fo tan kgiat special rate that has been terminated due to a take payment we category uaAp Alt!metal spedai reek adern49e vvo id haw uupired. n cekulatng Ain daly baMV ce of the balance traveler tmsadim category on the fast day of the iota r g period, we subtraq Alt unpaid ixeterae d tihcee Baance Tnnsler TtarsaLam Fee Flrence rJerpes end balance Variation Awl become purchase rate balance tranctars on that alto tnckaded in the day and we add Art unpaid ba)ance b Alt bdmhce d the purdtasa transacNan category. purdasa tensed on tuda9wy tvAh tits <xoepNion of Ca rh Adrarco Transaction Fee Finance Charges which ere added to to ash N fees dmarged to y0wA,cout ore added I. the advetuce varsaciorn catagay and 3alernce Ttansler Traneaclorr Fee Dance Charges vdtch me added to tk balance trmhsfor transaction category. I a transaction made in a preyohs Willing period is ken*- Won tits satdnant xe coce aortae vanseetion date fo be the firs) day d Are want bang period wham we calculates tow Periodic Finance Charges. ForTDO (telecommunications Device for the cwt) assistance, plwse cal I4tt0.341.1449. Discover may monitor ardor retard telephone eels between you and Discover representatives for quarry assurance purposes, The DisaveF card is two by Discover Banc. Member FDIC. 01TBX056 DISC"VER - pays NATAUA DE LA ROSA DISCOVER Account number ending in 0453 Go green. Go paperless. Join the effari to save trees and clean up your mailbox. Just sign up for Paperless StoWrants and you can help save over 70 million pops per year. You Il also be helping yourself to 24 months of password•prolec?ed, statement history, complete with merchont names, locations and zip codes. Go to Discovercom/papedess and sign up for Paperless Statements today. 020 10 Discover Bank, Member fo< O? s PPRGRN.0810 Closing Dole- August 16, 2005 page 2 of 2 FO Charge Summary Nominal Twnsaction Average Dally ANNUAL ANNUAL Peri odiic Fee Daily Periodre PERCENTAGE PERCENTAGE ? ? 4 FINANCE Balances Rahei RATES RATES ?RC CHARM current billing period: 31 days Purchases $2143.04 0.06299% 22.99% F 22.99% $41.85 $0 Cash Advances $1361 14 0.062997* 22.99% F 22.99% $26.58 $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 New Balance Minimum Payment Due $3,553.10 $89.00 Payment Due Dole OcW*t 15, 2005 16 SDSN6A01 0007433 NATALIA DE LA ROSA 620 BRENTON ST SHIPPENSBURG PA 17257-2114 Account Number ending in 0453 Enter Amount Enclosed Below $ iI Please make check payoble to Di?covsr Card. You are overlimff. Poy the sum of the month minimum payment plus the oveAmit amount of $153.10, GO paperless and maim your account information more seem with pasawd- proteoted only you can access. Learn more at discover =Wpaperless. PO BOX 71084 )llrulirsrnrllrllisullnl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space (Ills III III tr1rl1111111111n111111111nrltt1nlEstill 1n?1nits II above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458261760835035531000075000008900 Discover Card Account Summary Account number ending in OA53 Payment Due Date October 15, 2005 Minimum Payment Due $89.00 Credit Limit $3,400.00 Credit Available $0.00 Cash Credit limit $1,800.00 Cash Credit Available $0.00 Closing Date-. Septernber 16, 2005 page 1 of 2 Previous Balance $3,513.31 Payments And Credits 75.00 Purchases + 35.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finns Charges + 79.79 New Balance _ $3,553.10 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashbock Bonus Balance $ 31 15 New Cashback Bonus This Period + 0.00 Cashbadc Bonus Balance $ 31 15 Cashback 8onus® Since Anntversory-Month January: $26.83 How Can We Help You? 1 Visit Discovrr.can to io b$1 for no cost, view your kW Account informationeam and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800DtSCOVER (347.2683) far fast, easy se "ervice options or to speak with a Customer Service Account Manager Please have your Discover card available. y° 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 l obilify Guarantee Use your Discover Card with confidence. Trans, Post Deft DOM Payments and Credits Sep 15 Sep 15 PAYMENT THANK YOU $ •75.00 Other/Miscellaneous Sep 16 Sep 16 OVERLIMIT FEE 35.00 Information For You Your balance has exceeded your Account credit limit by $ 1 53.10. An ovedimit Fee may be assessed for each billing period you exceed your Account credit limit. M61*4 Charge Summary Average Daily Nominal Transaction ANNUAL ANNUAL Period' Fee De FWANCE c s so Rates RATE RAM CHARGES CHARGES current billing period: 31 days Purchases $2157.01 0.07258% 26.49% V 26.49% $48.52 $0 Cash Advances $1389.97 0.07258% 26.49% V 26.49% $31.27 $0 The rates that apply to your Account are either fixed (F} or they may vary (V) as noted above. Important ktonnadon. ff thane la mare than one page b file bang oWWnea. see the back of each page lor addtia al important nbrnneter Sae your CordmamberAgreemant. Your CardrrnenberAgreanhet contakts aUtie Wms of your Account. Lost or stolen cards. Report im adialetyl Call 14"T-M& Billing Rights Sunwk icy. In Case of Errors or Questions About Your 80: 0 you W your bill is vowu or it you need mere Womtalbn about a transaction on your big, wee us on a which separate steel of paper at Discom. PO Box 30421. Sell LaM telephone us, but doing so va9 not preserve your rights. youi War, on tit following rWthan 60 days onnal elnr we sent you the first bill on vtdxdh the new or problem appeared. You can • Your name aodAccou t number. The door anlnnn of the suspected error. Describe the error and explain. k you car, vft you beloae there is an error, f you need move WorrnaCan, describe the item you ere tmsuro ahodnt You do not have to pry any amount in question YMe we are Walliga ft, but you are $9 Obligated to pay the parts d your till that are not in question. While we Investigate your question, we cannot report you as deWtqueMOr Woo any actor mwbct Ow mount you gaehlion Spacial Rule for C" Cud Pmehaes:If you have a problem %M the *dly of goods or services that you pudhasedvtta a credk cart and you here hied in good faith to oared the problem wb the merchant, you may not have to pay Be remaining ambwt dub at ire goods or services. You have it protection only when tta purchase price urge aura than $50 and the purchase was made in your home slate or YAW 100 ales of ym a** address. IN we own or opmete One merchant, ail we mend you the advethaemaM for fie goods or services, all purchases are cowered regodess of the smart or baton of p tocnase.) Payments. Send only your phayment and the bP pdxtion d thk vtabrthert n fha erwelope provided,lib not send cash By soft you cthedc asdoccrkmed above, you authorize us to use infonnmatbn on your dhed b reY e an etecfon c hrrd harmsfartierrh you accout a the irarrtciad hsdktion in lkated on your d" a to procex the payment as a check transaction. t payma tic processed ee an ebWOrdc fund trensfer, rte farster ww 1>a fa the erodrnt d fta etaedd. Ntbnwe use htonnaton from your ebodk In make an alecuahic heed uatsfer, hrdt maybe wdtdrawn hen your eomtrht as soon as ire same day nice receive you payment and you wg not receae you ot" bade from your financial wall tint. The processing d Your payahaM obey be tldayad typo sand cash coregxmdence ordher kansvnth your payment, t you said the payment to any other address or 0 you use an emrelope otter Chet tk erne pavidad. Peymats reoaWed n props lam atarprocessing facility by SPAT focal tEnaon any day w3 be credted b yourAcm N as of that d4 Payments redxrived al our procaeaing t StxM boil Bme veil be aedlbd b ydxrRdxxyurt as d tae need day. tl you ohm misplaced your enveiope. sand yorpayment to D*over, PO Sox fi103, Cud Stream. rt.60197 6103. Please stow 7-fD daysfoa deWery N yew payment s retixred Wpaid.we reserve the right b resubmit k as an electronic debt You can pay mininom payment or a paw amount ova tie telephone, and you an set tip aulanatc payments, Ca eras at 1.800.347.2653. You will need ills statement and your bank amount infamoCon You must enure foal suf *nl hrndc ate avalabk In your benkscout. and at transactions must canpty *0 U.S, law. You w4be asked to pmvWe the IN 6 dmgks of your account dwWv ed ZP coda. By w0eng those numbers as you dedroric signakra, you A be agroft b OnisauNwritalah In allow us and your bank to deducl each payment you sawke from you bm* account and In k*m*debit or Credal wiles to yew belt account, as applwbk, In correct an error In the processing of such paymenl. You must tel in the amount of each payrnert, or you can select an arrant such as ire Afnimao Payment 00 or foe Now SAM on each statement. You can caned a pop" h N&K we must receive notice at Nast arse business days in advance of One scheduled papwg. You may ratty us by phone at I -M34740 or by will be made and how arch it l will at the be, aYour ftes o aced inayment am previous paragraph. phh. 9 your PaymeMS may vary in anreuM, we will toll you on each mattty statemaMwhen your payaaenl my be Ws to indicated on the mosithly stefament based on ceft or payments applied during Ov WV cycle. Croft Reporting. Yte may report information aborAyour accourA to crept bureaus. Lae payments, missed payments, or other detauks on yarn amount may be reflected n yon credit repot. We normally repon the status and payment No" of yourlircount to credittreporirg agencies each mach. t you believe ft ow repot Is nacc rate orkomplele, please write us at ire folowdrg address Dam, PO Box 15316, Wilmington, DE 1900-5316, Plaw include your name, address, tame *Woos number and Acoomt number. Periodic Finam Charges. Except as provided below, we will Impose Periodic Fina ce Charges on purchases. cash advances and balance transfers beginning with the date the Veneactiah omws niil the data of repayment and on Old Bahmoes wS the dale of repeymeat. Old Balances, are mapftW of eitherpunihuses and cash advances me& on or prior to. the last day of your AN period ending during February 1993 or R8sev2 Lire balances. You con avdd payment of Periodic Firm Charger on new purchases t you pay the New Balance Ova on the billing stale ont on which the pudnase first appears by the Payment Due Dab, and fur Payr verhts and Credits on that stakmeN equMl or exceed your Previous Balance. We cat tits th Vow p&W You do not hm a grace period on balance transfers or cash advances. Periodic Firm Charges are imposed on new balance tramfers and cash advances begkrting *M the date Uw transaction omus. Prriodk Fh aM8 Chegea are knpoaed on at fansactlons end qd Batences rrdi time dale d repayment. Repayment meerhs paymeMd ydxr erdhe New Balance. However. If you pay Ue New Balahtoe shown on ids hding statemeru by the Payment Due Dare, and fhb Payments and Credo shown on tlhN 8laktirhett equral a exceed the Previous Balance, we vent rat impose PlApule Finance Charges on new pwdrrses, that la, purcyasestxsl appearing an has statener4. t yowAcmnrt was dosed as d: ill September 27, 1899; or (U) August 31,2001 and sums brme+hh a I» Rhne Opl4n, fAScover Ne6amalAl?nnce br Spades Suvivet; a Urdrersel 9thndosArzount; u ion'} September 30, 2aM1 ant was brmeriy a Discover Smntlhsarhian Arxx>trd, you can avoid payorsnt d Periodk Fkhanca Charges eve hithg stabmeM next month teat induced Peried?Fnence C ?? ur?ts and Cdedks on tits sbte+hreM equal a exceed yew Pravrous Balance. fytlerwfse, yW gee dale of repayment. Win compute periodic Finance Ohargeseach day for purchases, cash athromea, balance transfers and Olld Balances (Wkh we refer to as transaction categodes) by usng the fblbvnig er on;Average tlaiy Balance x number of days in the biting period x Dally Periods Rae. (Reforto tae Stance charge summary on the kort of your statement fa two amounts.) Then we add at the Parbdo France Charges kx each transaction category to get the total Periodic Finance charges for your Accart. The average Daly Balance is smmn as 01 no Periodic Finance OwW apply to the balance in a Irarsaclion category. We use the Average, D* Balance (n kdM new lrarsacfons) method of Calculating the balance upon which we Impose Periodic France Chagas. We ampule the aveag a dally balance for each transaction category by adding up all to d* bataaoes in a WkV period for a uansadon category and d4vdng foe telal by the mrntbar of days In ft biting cycle. We compute Nov duly balance for each trawcoon category on each day by trotaddrhg the fogoxk>g,to Ie previous day's dally balance: transactions made Uel day, sires changed dnot day fyrdpp)! g{iprges acdued on ft previous day's Bialy bilmhca: and by than whtradrrp ury creft and paymerss that applied against the balance of Ina ua suction axdP Ofd Balances am excluded from the b of the purchase and cash advance bansacim catego lss. Special raw balance Wders and Balance Trans* Trusxtion Fee Finance Charges ere irduded n Ube duly tralmco trawer transaction category. Balarto rwolors that were su W to an Ir" apeeW rah that has been terminated due to a tote payment are also Ihtkrded 'Oft cabgay dmtt fhb krTts spedal tare othewise vro td Crave sa piked N calpalatnp tie flaky balance of do balance Wasler bansacUah ceegay on the kg day of the bSirg perbd, vro subvad Nhe unpaid baleace d tlase BalathceTranslar Tnnsac0on fee Finance Chagas and balance fanners that bemnhe pwcttese raw balance transfers on that day and we add drat udrpakh balance b Ina balarhce d fe pwdtaae fansacfan category- Al fast charged b your Amount are added to tie puhrdtese fesactian uxtapory with pre etkeptiorh d Caslh Advance TmnsarAah Fee Fnarioa Cttar9et which are added to tlhe cash advance bansadhongary and Blanca TrarsNrTwreactom fee Fr errs Charges vrhtdh are added b the balanca transfer trensadam category. If a transaction made in a previous Ming pared la itanizad on rids staremerm we mnsida gre barsacton date b be the fast day d the a rd t b erg period when we calculate you Periodic Fnimce Charges. For TWO iTetecoammtmkafoms Davha for the Deal) aWdsn e, planes call 14"7.7449. Discover may monitor andfor record blephome calls between youand Discover representsWes for quality assurance purposes. The Discover" cam is issued by Discover Bank, Member FDIC. O1TBK066 r.: , Closing Date: NATAUA DE LA ROSA DISO".. VER September 16, 2005: Account number ending in 0453 page 2 of 2 Cashback Bonus a Award Summary Cashback Bonus Anniversary Dale. January 16 Balance Previous Cashback Bonus Award Balance $ 31 15 Purchase Award This Period + 0.00 Cas bac Bonus Award Tote 31 15 Cashback Bonus Award Balance Award Available to Redeem 8985507 31 15 $ 20.00 f(eahidiam apply to thg Cwh6ack Bonus Partner offers visit Discover cem or call 1-800-DISCOVER (1.800.347-2683) for a tails. for program ddelails, see the Cash6ac Bonus Program Terms and C lions. New Balance DISCNER $3,506.68 16 SD8N6A01 0007434 NATALIA DE LA ROSA 620 BRENTON ST SHIPPENSBURG PA 17257-2114 Minimum Payment Duo Account Number ending in 0453 $88,00 Enter Amount Enclosed Below Payment Due Date $ I Nevo'n6sr 15, 2005 Please make check payable to Discover Car . You are ovedimit. Pay the sum of the mo minimum payment plus the ovedimit amount of $106.68, Go paperless and make your account infomteion more secure with password- d statements a* you can access. Learn more at discover.corn(paperless. PO BOX 71084 1111111 CHARLOTTE NC 28272-1084 Address, e-mail or ieleoKmechange? Print ehangein spaoe )„ )r??rr)urjn))snirr n)ur)?)fur)rr)n)nr{)rrlrr)u?r)rr)I above, or go to Discover.com. Print your e-mail address to teeeive important Account information and special offers. 000001986458261760835035066800160000008800 Discover Card Account Summary Account number ending in 0453 Payment Due Date November 15, 2005 Minimum Payment Due $88.00 Credit Limit $3,400.00 Credit Available $0.00 Cash Credit Limit $1,800.00 Cash Credit Available $0,00 Closing Dare: October 16, 2005 page 1 of 2 Previous Balance $3,553.10 Payments And Credits 160.00 Purchases + 35.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 78.58 New Balance a $3,506.68 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus• Opening Cashback Bonus Balance $ 31 15 New Coshback Bonus This Period + 0,00 Cashback BonusO Since Anniversory Month January; $26.63 CONGRATULATIONS1 Your Cashback Bonu4pt) is waiting for you. Visit Discovercard.com or call 1-800-DISCOVER to get your share of America's *1 Cash Rewards Program. Ca3hback Bonus Balance 31 15 How Can We Help You? 1 Visit Dlecover.com to pay your big for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1800DSCOVER (347-268 3) for fast, easys4service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us al 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. tans. Post ate Vale Payments and Credits Oct 14 Oct 14 PAYMENT THANK YOU $ 160.00 Other/Miscellaneous Oct 16 Oct 16 OVERLIMIT FEE 35.00 Information For You While we are permitted under the Cardmember Agreement to terminate any introductory or special rate because your Account was overlimit, we have chosen not to do so at this time. However, this wig still be considered an ovedimit occurrence for purposes of the Default Rate Plan. We reserve the right to terminate these special rates and to increase the M ffeyf account if, as of the close of a billing period, your outstanding Account balance exceeds your Account credit limit. See the Default Rate Plan section of the Cardmember Agreement for details. Your balance has exceeded your Account credit lima by $ 106.68. An overlima fee may be assessed for each billing period you exceed your Account credit limit, Important Morn"Oft, Hum b more Nan ace page b this billing statement, seek track oteach page for ad"onal imponasd Idomnaliort See your CerdmarAwAgmmomL Your CatdmemberAgmerr ell owns althe Wms d yourA=unt. Lost orstoloncards.Report iornediately!CA146, NINIT, BiBrg Rights Summary. In Case of Errors a Ouestio nsAborAYbur 811:11 you 6irtk yourbillis wrong, or 1 you need mole Information about a transaction on your toll, wrae us on a sepwaloshodallospor Discover, PO Box 30421, can WLA&City. UT n so will rat 841"21. as soon as Possible. Wo must how tam you a Yoanr In your left, give us thee thowing inianatioe caller we seta you the first bNl on which the lhs wa emororaprobtem rn aPPared. You Your name enclAOOWnt number. The doleramount of Me atspeded error. Describe the ems and explain. l you can, why you believe toe is an sow. N you need mare irformam, describe the kern you we unsure about. You do not have to pay any annul In question M& we are inviliftlig, but you are still obligated to pay to pans of your bill that we rat in question. While we armsstigato your question, we cannot report you as delinquent or take any adorn to collect the amount you question. Special Rule for Cradle Card Purchaa": you lave a problem t r1N tla uof goods a servkea Nat you purdesedwida a aadl dull, and you have tr ad in good laltlt b coned fie problem with time merchant, you nay not have to pay the renaktng anaut due on the goons or aervicec. YarhM eta praeotian only when Pe pucase price was mire Men $50 and ere purclesewas made in your bare stale or wiflt a tO0 mdas d you mailing address. (N we own a operate the m emWt. a 1 we rnatied you the atfvenisemad for the goods or SenAces, ad pxwdases are cove" mtsgadless d tie dmmDUnt or location of purchase) Paymunb. Sand only your payment and the top portion of this stetamert In the envelope provided. Do not send tasty. By sending you dark as described above. you errthora us to use pdamation on your deck to make an ellaftnic fwd trarrsfr from your amount at the Randal Institution ideated on yow dock or to process the payment as a check transaction. l payrrentle processed as en elsu4alc cud oanstf, go Us** 0 be for f re amaen of Ile coact When we uss Information from tu lean 09* so mala wi electronic ikind transfer. lends may be withdrawn from you account as soon as the same day we receive your payme t, and you will n receive you check b your Etandel o The prooessinfi of your payment may be delayed 9 you send cast, correspondence or other items with you payment, 0 you send the payment to any our address or if you use an envelope otima Nan the one provdad Paymerrts reosived h proper bum al our processeg teaktyby 5PM local time on any day will be credited to your Account as d that day. Payments received at our pnocestlug faciOyatar SPM local Ime wB be credited loywrAccawl as M der next day, t!y w Mve misplaced your wwebpe, send you payment so Discover, PO Box 6103, Carol Scream. R 601878103. Please asow 740 days fadakrory. 5 youpaymant s marred trnpeld, we reserve Me right to resubmit a as an ate=* debt. Yeu car pay mtiniram paynhat as greater araant over der tekPlane, and ya can set up eubmatic paym amts. C? us at 140347.2683. You will need Ots statement W you bards acoorrt irtonhalan. You mist areas that sutficixt hack arc evalable h your 6a l aocetrd and all transactions must cerrtplywith U.S. law You waf be asked b provide the feel 5 digits d your atnotrt statemmett 2TP code. BY ell tlmase numbers as ygreledronicalgraMae, goo vrB bit apgeeig b 6his auhorhation to downs and your bard; to deM Aeach payment you au6arixe koro you tent accerrnl and b debit a aedl entries b tada aooarR a apps able, te dnrtect an error in the processing of such payment. You must tell us Me or by Moment. at Me address load In pap" prhowever, we must receive evws paragraph i relics stet kastgr bnskaas days in advance Aga adadule4 PaYmat Yau?raGr! us by (lucre at i 800 347 261ky you may vary In amount we will tell you om each monungr sktemart when yar paymmaa wB be made and taw much It wR be.YourAubmatic payment amount may be less that led on t he.monOdy 9aWraa t based on credits or paymrmts **d during tie hMiag cyder Credit Reporting. We may report inbinnOW about gourauxamt to aedl bureaus. Late payments. missed pagnents, a other dell on your amount may be receded in your credo report. We normally report de status and payment Nstay ofyaaAccount to m& reporting agencies each mondm. I you believe trot our report is kaccuae Of incomplete, please write us at de following address D stover. PO Box 15316. Wdmrkgbn, DE 158503316. Please Include your name, address, home tekPhone number and Account number. Periodic Finance Charges Except as pioWed below. we will irygse Periodic Fiance forages on ptrdasas. cash advances and balance transfers beginning with the date the irarsadion occurs until to date of repayment and on OM Salences and the dale of repayment, ltd Balances are composed of either purchases and cash advances made on or prior to the fstday of your bOM period ending during Febury 1993 or Reserve Line balances. You can avoid payment of Periodic Finance Charges on new purchases 1 you pay der New Balance shown on the billing statement on which the purchase first appears by tie Payment Due Date, and the Payments and Credits on brat stelemeM equal or exceed your Previous Balance. We can Bisthe dace period You do not have a grace period on balance lamslets or cash advances. Periodic Finance Charges are Mmposed on raw batenCe transfers and cash advances begtratrrgWhi the date the transaction occurs. Periodic Finance Chagas we Imposed on all transactions and Old Balances until the date of repayment. Repayment means payment of your entire New Balance. Howaver. N you pay Mee New Boom slam an this bang statement by ft Payment We Date. and the Payments and Galls shown on this statement equal or exceed Se Previous Balance, we w11 not Impose Periodic Finance Chagos on new purdases. Hats, purchases 6ral appearing on this daterxM. If you Account was dosed as d: W September 27,1958: or CO Augus131, 2001 and was fomnemy a Discover Prime Optic, Discover Notional Alliance br Species SurvvsaK or trlversal SWdios Account, or(a'i) September 38. 2001 and was bmmerly statartam next mmoonthis th that Included Statement d by the Parent PefiWic Finance Date Imposed until and Discover Credits on dts ?statement Account equal you a ecan avoid xceed your Wadi Balance Finance Chortles it you pay OtlarvAs, you wig receive the b?New yg Balm the date of repayment We cantock Periodic Finance Changes each day for purchases, rash advances, balance transfers and Orr Balances (wtidm we refer to as transaction categories) by using the following equa6or, Average Dally Balance x number of days In Me billing period x Daily Periodic floor. (Rorer to tie finance flange summary on the from d your statement (a lase amouns.) Toren we add all the PeriodicFinanoa Charges W each transaction category to get time foal Periodic Finance charges for you AOwurn. The average Daily Balance is shorn as 0'l no Periodic Finance Charges apply to tla balance in a transaction category. We, use the Average Daly Balance (indudog new trarmilwal meted d cakde5ng to balance upoht witch we impose Periodic Finance Charges. We compute the average daily balance for each transaction oategary by adding ep ail it* daily balances in a billing period for a transaction category and dividing the total by the number of days In the biWg cycb. We compute the dilly balance for each transaction category on each day by fat adding the following to the previous days daily belanew trasactioms made that day, fees charged that day and pg o ce k C?rges accrued on the previous days d* balance, and by Men subtracting any credits and paymork that are applied agatnst the balance of the transaction M Balances are excluded from the balance of the pwdass and rash advance transaction categories. 4" tale balance Mansions and Balance TrarslerTransation Fee Finance Charges we IxWded in the defy balance transfer transaction colegnry. Balance versions U were & *d to an Initial specter gate to has been terminated due to a late payment are also inckdad in this category until Ne initial special rate otherwise would have expired. In celadatlag Me dally balance of to balance transfer transaction category on the first day of the daffy ? add that tr subtract Meuntial balance a balance of e Transfer sfer Thtion care Fee Finance Charges as balance lanslers that became purchase rate balance Irersfere an that AD fees charged to WACaarn are added to the purchase transaction category with tie exception of Cash Advance Transaction Fee Finance Charges which are added to the cash advance transaction category and Balance Transfer Transaction Fee finance Charges which ere added to der balance transfer tranaxtian cast".18 transaction made in a pmvlous bifg period is rWrdxed on this statement, we calker Sae transaction date to be ere first day of the current bi x g period when via calculate your Periodic Finance Charges. For TDD (Telecommumbalbns Device for the DeA asslattmes, please call 1408.347.7449. Discover may mor4w ands record telephone mass between you slid Discover representatives (a quality assurance purposes, The Discover'rerd is h aced by Disover Batik. Member FDIC. OMK056 DISCS VER NATALIA DE LA ROSA It P°Y` to Account number ending in 045$ DI$??VEIt_ Go green. Go paperless. Join The effort, to save trees and clean up your mailbox. Just sign up for popesless Statements and you con help sous over 70 million pages per year. You'll afro be helping yourself to 24 months of password•prolected, statement history, complete with merchant nomes, locations and zip codes. Go to Disco"rcom/paperless and sign up for Paperless Statements today. 02010 Dim m Bank, Momlw FDIC ?R s P"GIW.oB10 Dosing Date: Odober 16, 2005 page 2 of 2 Hey, Juniorsi We are seorching For outstanding high school juniors to apply for the Discoveu)R) Cord Tribute Aworclp) Scholarship Program, Scholarships will be awarded to high school juniors who have excelled beyond academics. To find out more, visit our website at www,Disco"teard.ccm/tribute.htm. $" Charge Summary DaBv iy is Nominal ANNUAL PERCENTAGE RATES ANNUAL PERCENTAGE RATES Periodic FINANCE CHARGES Transaction Fee FINANCE CHARGES current billing perlo& 30 days Purchases $2153.89 Cash Advances $1421.21 0.07326% 0.07326% 26.74% V 26.74% V 26.74% 26.74% $47.34 $31.24 $0 $0 The roles that apply to your Account are either fixed (F) or they may vary M as noted above. Questions? Manage your account at Discover.com or cal) 1-800-DISCOVER (1.800-347-2683). New Balance DISC 'VER $3/171.88 16 SDSN6ADt OD07435 NATALIA BE LA ROSA 620 BRENTON ST SHIPPENSBURG PA 17257-2114 Minimum Payment Due Account Number ending in 0453 $87,00 Enter Amount Enclosed Below Payment Due Data $ 1 December 15, 2005 please make Fheck le to Discover Card. You are owriimit. Pay the sum of the mor?ldy minimum payment plus the overlimit amount of $71.88. Go papetless and make yes account infomet in more secure with password- prote *ed statements only you can aooess. Learn more at discovere6m4utivakss. Address, e-mail or telephone changet Print change in space above, or go to Discover.com. Print your email address to receive important Account information and special offers. PC BOX 71084 Ills$ 111i1fill 111111111111111 CHARLOTTE NC 28272-1084 111111111lot 11 111111 it 1111114111111111 111 loll 1111111 Iii 111111(1 000001986458261760835034718800150000008700 Discover Card Account Summary Account number ending in 0453 Payment Due Dote December 15, 2005 Minimum Payment Due $87.00 Credit UmN $3,400,00 Credit Available $0.00 Cash Credit Limit $1,800.00 Cash Credit Available $0.00 Closing Date: November 16, 2005 page 1 of 2 Previous Balance $3,506.68 Payments And Credits 150.00 Purchases + 35.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 80.20 New Balance $3,471,88 You may be able to avoid Periodic Finance Charges, as the reverse side for details. Caslback Bonuse Coshbock Bonus® Since Anniversary Month January: $26.83 CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discovercard.com or call 1.800•DISCOVER to get your share of America's #1 Cash wet Program. 0 Opening Coshback Bonus Balance $ 31 015 New Cashback Bonus This Period Cashback Bonus Balance $ 31 15 How Can We Help You? 1 Visit Discovercolm to pay your bill far no cost, view your latest Account information, earn and redeem rewards and more It's your choice ` 3 ways to help 2. Call 1 SMDISCOVER (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 of Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT $4130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date, Payments and Credits Nov 14 Nov 14 PAYMENT THANK YOU $ 150.00 Olhw/Miscellaneous Nov 16 Nov 16 OVERLIMIT FEE 35.00 Information For You While we are permitted under the Cardmember Agreement to terminate any introductory or special rate because your Account was overlimit, we have chosen not to do so at this time. However, this will sit$ be considered an overlimit occurrence for purposes of the Default Rafe Plan. We reserve the right to terminate these special rates and to increase the 896Wgitir account if, as of the close of a billing period, your outstanding Account balance exceeds your Account credit limit. See the Default Rate Plan section of the Cardmember Agreement for details. Through the generosity of our Cardmembers, Discover(R) Card has donated more than $14 million to the Make-A•Wish Foundation. You can make a child's dream come true by electing to donate your Cashback Bonus(R) to the Make•A-Wish Foundation. To learn how, please visit Discovereard.eom or visit www,with.org, If Noe is more Men one pogo tothisbBWtg statement, weft baccof each page foraddtiortal Impodam iMamation flee yowCadmemborAgreadnrd. Yourt ardnlembaAgreementconlaats all the tams of yourAocounl. txrst or stolen cards. Report immediately! Cat 1800.347.2663. Bip'mg Riphta Bunco sy. in Cese of Enors or Questions About Your W 0you W* your bill Is wrong, or9 you need more U+famation about a transaction on your till. wrote us on a you separate sheet of paper at DMW. PO Box 30421, Sell We City, UT 8413M21. 88 socin as possible. Me must hem from no later than 60 which the era or problem Waste& You an skphone us, bill doing so wit riot preserve your rights. In your letter. give us Nefolloviing Informatlma atkr we sent you the W bill on -Your now a clMoowR number. This, dollar arrant of On suspected error. Desaibe the eaor and eliphin, d you can, why you believe there is an error. t you creed mare Wormaticit, describe the Oan you are a sue about. You do riot have to pay any amount in 1NIOSbn while we are investigating, but you are sM obliggated to pay the parts of your btl that are not in question. While we investigate your question, we cannot report you as dellrquent orWo any action to cetect On amantyou question. Spacial Ruts for Credlt Card Purdmas: 9you have a problem All the qMV Wgoods or services that you purdased with a credit card, and you trace tried in good fallh to conned to problem whh to merd aK yea may not have to pay the temanng smout due an the goads or services. You have this prolectan oily when the Wiese price was one Nan $50 and the purchase was made In yvnr home slate or w" 700 miles of you mating address. Of we own or operate me merchant, or t we malted you Ore advertisement for the goods or services, all pudases are covered regardless of the amount or boarborn of purchase.) Payrnmu. Sad ppy par peymeM aadthe top portorn o! pis atetanent in Una emdalope provided. Qo not send ash By serW'irno your chadt as doacribed above, you authorize us to k pr teetad otec f till lrensferwB be br the amou+el t tithe cAedr Winn we Ndaanirayo7lo t frodieck or to m your duck tosmake payment ale kl e nic hull transfer, madc may W wsNdrmvn Dan pax aecoraR as soar as the same day we receNa you payment and you wlp not receive you dies beds from your karrocial institution, The prooasing d your paymad may be delayed tya, sand cads cemespondence or otlher Itrsms wIN purr payment O you send to payment te any other address or t you use an erweropa other tlamh tote one provided. Paymmis receMed in props form atax processfrg fadONN by 6PM bail Mme do any day will be aodOW to yourA=urA a of NK day. Psynrmis recavad at our pnoceesang tadtq after 5PA4 decal erne wN be credited te yaxAcawM es el fn mama day. t yw hate misplaced yaw etwelope, sad your paymeM In Discover, PQ Bor. 6103, Card Str?am,116019T8103. Pkrree aMar 7-10 dogs (a deMvary k yeru payment rs returnd urge d we reaave lha right to rewbmiltas an electronic debt. You an pay minimum payments a greater amaett over the klep7rone, andyou aneel W autamatc pa/mats. Ceti us at i W347-M. You wA road this statement and you bank aoceaM information. You caret enure IW wNcI funds hire avallable n your bank 56attt, acrd eel transx?orns must cmplywAh U,S. law. You W! be asked b MMe the lust 5 digts of you account slalenreM ZIP ode. By antelMg those numbers as yourefemnic signakre. you Abe agreeing to this atalnrizataa to allow us and you bards to deduct each payment you authorize from you bank account and to milfatedebi or credit entries to your bank account. as applicable, to toned an aced in the processing of such payment You mat let us the mug recrom mom of asch notice at laiat three business or dyou ays In aseded an dvance of the amount Wisuch trau.eed y iouPayment Diu or the WN may 11 1 us by phone at 7 8*347 each statement. or at by mid at an dOras gat In the kprhowever. ev pxa , it two r pats may very in WAWK,we A td you on eam monthly statement when your bcatai an Our monthly statement based on credits or payments applied during the f map cycle sand how much ilvnil be. You AutamaOcpaymnni amount maybe tens Credit Ria"g, We may report ettomaton abort you amount to credit bureaus. Late payments, missed payments, mother dehauRs on you accent may be relledad in you aedd report. We normally, report the status and payment your A+?unt to credilt rl agendas each month. O you belim that our report is Inaccurate or Incomplete, pease write us at the faOmft address: Dlstova. PO Boa 15316. DE 198503316. Please ndude you crane, address, hone telephone number and Account number. Periodic Finance Charges. Enepl as provided below, we wB Impose Periodic Finance Charges on purdeses, ash advances and be*" transfers beg" with to date the Uartsadionacurs until the dale of repayment and on Old Balances anal the date of repayment. Old Balahces are comprised of eiOter purchases and ash advances made on or prior to the lest day of you biting period ending during February 1993 or Reserve Line balances. You an avoid payment of Periodic Finance Charges on new purdrases it you pay the New BWM shown on Me billing statement on which the purchase first appears by the Payment Due Dale, and the Payments end Credits on that statement equal or exceed you Previous Balance. We eel tits Ne'grece period You do not have a grace period on balance transfers or ash advances. Peiodic Fkwna China are Imposed on new balance transfers and ash advances beginning vAh the date the transaction occurs. Periodic Fnana Charges ere impoced on at fransaa ens and e>b Balances urdt Ohs date ogre yment. Repayment r cans payment of yeu attire New Balance. ltowever, if you pay the hlaw Balanoa afgwn on tlds bRng tdffianeM by the Paymxn true Date, and tin PaymeMS aaf Cradle showtl a1 ids alelenherw equal or ezaad Oe Previous Balance, ova wB rat krrpose Periodic Fnana t2rarges on new prutlhaees, Drat i& purchases lmd appearing on ills saement. O yourAaaurM was dosed as of: G) September 2T, 7999; a r) August 37, 2W1 and was tomterly a piscever Prime OpiaL h>ISOwa NatorhalA?xe for Species Sur7vaP'aUnMersal Stairs AcwunG a (iii Seplemba 30.2001 and was fomterly a pisoo?er timrthsoMari Account, you cerh avoid paymeMof Periodic Frhanoe Charges t you PaY the New Balance Sllewil In Otis Slatemant by to PaymeMDue DMe and the Payments and Cradle on this steterneM equal orexceed your Previous Btrlerhoo.Othervvlse, you va"•1 rea?ee aWtrhg statement rnU month that Induda0 Parodic France Charges imposed urR3 Un dale of repayment, we compute Patodc Fkn+we Cdwrges each day for purchases. cash advances, balance transfers and Old Balances (Which we refer to as banacOon categories) by Using the tolbvluhg equaMon;Avaage Dasy Balance x numbs o1 days in tea bit hhg per oil x Oily Period c Rak. {Refer to the Gnahce charge summary on the toot of your statement for those amounts.) Then vre add the Paiodc Fnarce Cttages far each Uansectorr akgory te gat the teal Periaac Fnahxe charges for you Account, The average Daily Balance is slavxh as 0 If no Perms Ffrhamce Chars apply b the Daknce ih a Uansadioth eategay We lee NeAwarega qty Balerrce prtdudiig new trat5actiana) hrrelhod of cal>alatig Nor bates ce Won wMdn ova hnpose Periodic Finance Changes. We compute the average logy trelahce for each Ualeac50th atagory by adding W all to daily balances n a tnsing period fox a Yensacl on a3laegory and dW ng rite WW by the number of days in the billing cycle. We con puts tiro clef y babna fo each Umtsactm aateBo9 nn h ?Y UY budn8 the fotwre g to4n prevbue days daily balance: transactions made that day, tees Barged that day and Pe?ggip?ges accrued on Mn previass days duty balance; and by then aMarecang arty aedAs acct payments that are applied against the balance of the transaction plago tad Balances are excluded from the balance of the purchase and ash advance transaction categories. Special rate balance eansfers and Balance Trader Trahsadbn Fee Finance Charges am Included In the duly balance transfer Uagacuion allegory. Balance wanalehsthat were n*d to an i U spedat rate that has been Wn*WW due to a late payment are also ncmW In the category ur dl the Intel special rate otnerwisewaMd have expired In cahWng the daily balance of the balance transfer bansecMon cateM on the first day of the blerg period, we subtrad the unpaid balance of Once Balance Transfer Transaction Fee Finance Charges and balarce transfers that become purchase rate balance transfers on that day and we add that unpaid balance to the balance of the purchase transaction celegory. All fees charged to yourA=W are added to the purchase tninsed orl ce"ory w1h the exoeplbn of Cash Advence Transaction Fee France Charges which are added to tin ash advance transaction category and Sam Transfer Transaction Fee Finance Charges wrhktr are added so to balance transfer transactor category. t a transaction made In a previous billing period Is Itemized on its states tent we consider the transaction date to be the first day of the avert billing period when we calculate your Periodic Finance Charges. For Tt3D )Tsfecommunloalbns Device for the Deaf) assistance, please call 11-11W%1.1449. Discover maymomibr andlor retard lekphene ants between you and Discover representatives for quality assurance purposes. The Discove' card Is issued by Discover Bank, Member FDIC. OiTBKO56 DISCOVER It pays to NATALIA DE LA ROSA DISCOVER Account number ending in 0453 Go green. Go paperless. Join the ef6l to save trees and dean up your mailbox. Just sign up for paperless Sichments and you can help save over 70 million pages per year. Youl also be helping yourself to 24 months of password-protected, statement history, complete with merchant nomft, locations and zip codes. Go to Discovertom/paperless and sign up for Paperless Statements today. 02010 Diswver Bonk, Member FDIC 16 X 1E] s PPRGRN.0810 Casing Dces: November 16, 2005 page 2 of 2 SK Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee ily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE o n es Rafes RATES RATES C1fARGES CHARGES current bilking period: 31 days Purchases $2077.64 0.07326% 26.7A% V 26.74% $4719 $0 Cash Advances $1453.32 0.07326% 26.74% V 26.74% $33.01 $0 The rates that apply to your Account are eithe r 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 R VSO AVER $3,374.47 $85.00 Payment Due Data January 15, 2006 18 SDSNBAOt 0007438 NATALIA DE LA ROSA 620 BRENTON ST SNIPPENSBURG PA 17257-2114 Account Number ending in 0453 Enter Amount Enclosed Below $1 1 Please make check payobie to Discover Card or pay online 0 Discovereard.com. Go paperless and crake your account information more secure with password- protected statements only you, can access. Learn more at discover conpaperless. PO BOX 71084 Illa•Ilnnull•II»nllr CHARLOTTE NC 28272-1084 Address, .-mail or telephone changOPrint change in space LJrllr?lto III rrrlrr111111flllrrrlrrlrrlr11ItIII rlrrlr11111 above, or go to Dscover.com. Print your email address to receive important Account information and special offers. 000001986458261760835033744700175000008500 Discover Card Account Summary dosing Date: December 16, 2005 page 1 of 2 Account number ending in 0453 Previous Balance $3,471.88 Payment Due Dote January 15, 2006 Payments And Credits 175.00 Minimum Payment Due $85.00 Purchases + 0.00 0 00 Credit Limit $3,400.00 Cash Advances , + Credit Available $25.00 Balance Transfers + 0.00 Cash Credit Limit $1,800.00 Finaeoe clsarges + 77.59 Cash Credit Available $25.00 New Balance a $3,374.47 You may be able to avoid Periodic finance Charges, see the reverse side for details. COSltbock Bonuse Opening Cashbook Bonus Balance New Cashback Bonus This Period $ 31 15 + 0.00 Cashbock Bonus Bakmce $ 31 15 Cashbock BonuA Since Anniversary Month January: $26.83 oust ?a pay your bill for no a view your How Can We Help You? 1 latest t WKwor.com Account information, , earn and redeem rewards and more 2. Call 1-8W-DISCOVER (347.2683) for fast, easy self4ervice it's your choice ' 3 ways to help 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 15 Dec 15 PAYMENT THANK YOU $ 175,00 Information For You Pay your household bills with your Discover(R) Card. Phone. Cable. Subscription services. And more. It's a great way to save time while building your Cashback Bonus(R). Through the generosity of our Cordmembers, Discover(R) Cord has donated more than $14 million to the Make•A Wish Foundation. You can make a child's dream come true by electing to donate your Cashtmck Bonustit) to the Make•A-Wish Foundation. To learn how, please visit Discovercord.com or visit www,vAsh.org. d3amp Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic F Daily Periodic PERCENTAGE E AGE P FINANCE ]jgnces Rates PE current billing period: 30 days Purchoses $2011.39 0.07395% 26.99% V 26.99% $44.62 $0 Cash Advances $1486.30 0.073959o 26.99% V 26.99% $32.97 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Impommt Inlomrs6ore. If there is more than one page M this vSing stelemart seethe back of each pegs for addiialal important Information. See your CardmemberAgreanent Your Cerdnembar Agreement contain all the terms of you Acwun Lost or stolen cads. Report inmerG Wyl Call 14W247.2683. Billing Rights Summa* In Case of Enom or OuesdonsAbout You Bill: If you aft you bill is wrong. or 0 you need mere information about a transaction on you bill, wrle us on a separate sheetd paper at Discover. PO Box 30421, Salt lake Cry UT 84138-0421. as soon is possible. We OW has from you no IM than 60 days after we ears you the fast bill on which the area problem appeared. You can telephone us, but doing so will not preserve your ruts. in your idler, give, us the following Mtamatiom Yoe name and Account number. The doer amount of the suspected enc. Describe the aror and er:plein, x you an, why you belie" there Is an error. t you need more Information, describe the item you are unsure about. You do not have to pay any amount In queslon dints we am nvestigaei% but you we still odigale l to pay the pans of your bill that are no Ih question. "We we investigate you question, we cannot report you as delmqueM or talcs any action to collect the amomtyou question, Special Rule for Credit Card Purchases: 11 you have a problem with the quality of goods or services that you Wrd>as dl with a credit card, and you have bind in good fait to correct the pwbkmwith 9* metdren4 you may rot have to pay the ranasfag amount due on the goods or services. You have Us proton only when the purchase Vice was more than $50 and Ote purchase was made in your home state or within 1110 miles of your mike address. Of we own or operate the me wK or awe mailed you the edva8so wnl for the goods or setvtoes, of purchases are covered regardless of the amount or location of pudvaw) Payments. Send My your payment and do top portion of 1* statement in the amebpe provided. Do not sand ash. By sending your clack as described above, you authorize us to use Worms lion on your check to make an electronic fiord scaler from your aoeo rd at rie financial inslikalm inctakd an your diode or to gocets the payment as a check transaction. If payment is orocessed as an alcctraic Hard cornier, it* transfer will be W the amour of the duck. When we use WomheUon from you dw* to make an electronic fund trancte; funds may be withdrawn from your accost as soon as Yne same day we receve your payment. and you will not receive, your check back from your finandd he Aloe. The pmcesskng of your payment may to delayed It you sad cash. correspondence or other Rams with your payment, a you send the payment to any other adcNessa if you use an envelope other than ilk one provided. Payments receives in proper form at our processing lac8RY by 6PM local Ome on any day will be or~ to your Account as of that day. Payments recessed It err aocessall facility at* 5PM local fine Will be cradled to youAccount as of the net day, If you have mispleced your ametope, send your payment to Discover, PO Box 6103, Card Skean, IL WrIgr81103. Please allow 7-10 days for (KY". If yehrpaymert s returned unpaid, we reserve One iglu M resubntil a as an ekcronic dabs You cm pay ndnamjm payment or a grealeratnount over the kkptcne, and you can setup automatic payments. Gat us at 1.800.347.2683. You vat need this statement std you bank account Information. You must ensue that sufficient bads are avaaable in your bank a nut, and an VansxUons must comply, with U.S, Im You vita be asked to provide the trst 5 digit of your sccoai ste oom ZIP code. By en" those numbers as yaw eledrorve signature, you wit be agreehg to this authorization to asap as and your bank to deft each payment you autfoizefirom you bank acomM and to halide debk or aedR erodes to your bank atxamt as spocost w correct an error in the processing of such payment. Your must tea us the amount of each payment, or you an select an amount such as the Minir" Paymw Due, or the New Satanee on each statement You can cancer a payment, however. was must receive notice at toast free bu inm days In advance of She schoduied payment. You may Polity ens by One at 1400-J47-2683 or by mail at the address islet in the preyious paragraph. a Your mail vary h "K&qd, we will tell you on each monthly'stMinowwhin your payment will be made and haw much it will be. Your Automatic payment amount may be less 0. =on One raonftdy statement based on aedss or payments applied dung the bring cyce. Creft Repo&g. We may repot lnfonnaton about your eccaat to o ecil bcaeas, Late payments, missed Payments, or other defaults on your account may be reflected in your credit repot the lotanarmaa :Discover and payment history of totr Account to it 533% =??yeu each na aadd hand Mklp Wmm repo n rand Account nw?ermcc please write us el the wirg addres eddess: Discover. PO Box 153166, W W&*iminglon. b££ 100.5 Perkhdk Finance Chages. Except as provided below, we will Impose Periodic Finance Charges on putchases. cash advances and balance boasters beginning with the date the transaction occurs wail the data of epayment and on Oct Balances untR Uw data of repayment. Old Balances are comprised of ea}rer purchases and cash advances made on or Prieto is lad day of your burg period ceding dump February 1993 or Reserve Line balances. You an avoid payment of Parkdvd Fshenos Charges on new pwdhases a you pay the New Balance am on Yte billing statement on which the purchase Iran appears by the Payment Due Date, and the Payments and Credits on that sii tamdt epel or exceed you Previous Silence. We aft ft the 'gram pe6W You do not have a grace period on balance trarsiers or cash advances. Pedodie Finance Chagas are Imposed on new balance transfers and ash advances "ini gvfdt the dais ft trahsecton occurs. Periods Fnanca Chas ere knPoeed on al bausutiOns azd 010 Balances hxta the date d repayment. Repayment means payment W youantite New Balance. However, if you Wy Ilha New Balance storm an tits t>irirg statement by the Payment Due Durk, and the Paymaas and Gratis slhowm on (hs 5laieranl equal a exceed the Pravfous Boleros, we w+7 no InWse Pododic Fhaha Charges an nenv pacAasea. thel k, W rdnasn fed appwrlg an Inds stakmem. II your Aaaxt eras dosed ere ob G) SaPiemba 21,1999: or ri Augusl3l, 2001 anal was formMy a Dleoover Prlne Option, biacover tletonaiPJtahce to Spades SuvhaP'a Universal Stucos Acmunl; a Ctf ? ?, 2001 aW was farmeriy a Dlecever Smilsariam Awart, you can sued payment d Pericdk FlnahoeCFrergaa:you pay Uhe New 1lalahce slowvh m fhb Sktenlat by the Payment Due Durk end Iva Peymenls and Cradle on Burs shateahent egad a exceed your Previous Balance. OOwaw se, you vfq receive a talGrnp smternent next marts ltHt IDtuded PerioBC Finance Ctsanges imposed unto the date of repayment. We coWk Periodic Finance Charges each day fa purchases. ash advances, balance transfers and OW Balances (which we tefer to as Vansacton categories) by using the following equation; Average Daly Balance x nu mbet of days In the bBlrng period x Daly Periodic Rate. Peter to the finance charge summary on the Nat of your statement for Owe amounts.) Then we sod at the Periodic Finance Chagas for each lea Kill m category to gal the total Periodic Finance do" br your Account. The average Daily Balance 6 storm as 0 a no Periodic Finance Charges apply to IN balance in a Iransectim sate". We use glee Average Daly Balance (ioduding new transactions) method otcalcula6rhg the balance upon which we impose Periodic Finance Charges. We compute the average daay befaae for each rarsacton aAagory by adding up all the dally balances; in a billing period for a Craw cCo calegay and &462 ft Mild by the nurnber of days In the billing cycle. We the coahpkte the daily bdaM. for Varrsaction A - th. k category ? daivv day by haian? adIft and by ten s t*AV so tiro any a?ed'ts anted tam?ts nsat a= transactions me* that day, fees dwgsd that applied again the balance of the transaction ay --a?-- I Cal Balances are excluded Nom Ore balance of the purchase and ash advice ransaction ateporws, Special rack trAlerct rahsfers and Balance TmnsferTra sactbn Fee Finance Charges are Icluded in the dally balance transfer transaction category. Balance transfers Vnd were ePojed to an initial special rat that has been Wo"tod due to a hale payment are also included in the category ud the Wall special rare otherwise weed have expreea In calo l ing Oho dally balance of ON balance transfer transaction c tagory on the first day of the bilIN period, we subtract Bte upold balance of Ones Balance Transfer Transaction Pee Finance Charges and balance transfers that become purchase rate balance transfers on that day and we add that upakd bale= to the balance of the purchase transaction calegay. AU fees charged to yourActourt are added to ft purchase transaction calegory with the exception of CashAc race Trarsacfwn Fee Finance, Charges which are added to One ash advatxe irxnsadiorh category and 1lalance TrasferTransaction Fee Finance CFnargebvrlhldh are added fo the balance trander Iansacion ategorY. We transaction made Ina previous Willing period Is aem¢ed on its statement we consider the transaction data to be the first day of the arrant billing period when we calculate you Periodic Finance Charges. For MO (Talecommunkstims floviee for the Deal) assistance, please cell 1.600.347.7449. Discover may monitor andW woord tele*m calls boWee n you ant Discover rwesentalives for quality assurance purposes. The Discwer4 card is issued by Discover Bank, Member FCC. 01TSK056 Closing Date; NATALIA DE L4 ROSA DISC :AVER December 16, 2005 Accourd number ending in 0453 Page 2 of 2 Cashback Bonus 0 Award Summary Coshbock Bonus Anniversary Date: January 16 Balance Previous Cashbock Bonus Award Balance $ 31 15 Purchase Award This Period + 0.00 Cas ac Bonus wwa Tota 31 15 Cashback Bonus Award Balance Award Available to Redeem 31 15 $ 20.00 8985507 Rostnchc,, P o Qhbock?e Cad Bonuffers s ?i g m Terms amd Co?nd?ition$?D?COVER (1.500347.26831 for D1J? 'VER New Balance Minimum Payment Due 53,353.13 $84.00 Payment Due Date february 15, 2006 16 SDSN6A01 0007437 NATALIA DE LA ROSA 620 BRENTON ST SHIPPENSBUR6 PA 17257-2114 Account Number ending in 0453 Enter Amount Enclosed Belo-w---y $ i Piease make check payable to Discover Card or pay online ® Discovercard.com. Go peperless and make your account inform Pion more secure with password. protected statements only ycu 01111 access. Loom more at discover antpaperless. sllrsnssltsllsurllsl PO BOX 71084 1lisp CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space 1111111111rnlsllurlnlrlsrr111111tlnlsill llulnlsrlrltrll above, or go to Discover.com. Print your email address to receive important Account information and special offers. 000001986458261760835033531300100000006400 Discover Card Account Summary Closing Dates January 16, 2006 page 1 of 1 Account number ending in 0453 Payment Due Date February 15, 2006 Minimum Payment Due $84.00 Credit Limit $3,400.00 credit Available $46.00 Cash Credit Limit $1,800.00 cash credit Available $46.00 Previous balance $3,374.47 Payments And Credits 100.00 Purchases + 0.00 Cash Advances + 0.00 Balance Transfers + 0.00 Firm" Chess + 76.66 New ealarx e = $3,353.13 You may be able to avoid Periodic Finance Charges, see the reverse side for details. CaAback 8ont a Opening Cashback Bonus Balance $ 31 15 New Cashback Bonus This Period + 0.00 Cashbock Bonus Balance $ 31 15 Cashback Bonus® Since Anniversary Month January: $26.83 CONGRATULATIONS[ Your Cashback Bonus(R) is waiting for you. Visit Discovercard.com or call 1-800-DISCOVER to get your share of America's Al Cash Rewards Program. How Can We Help You? 1 Visit Discover cam to Fay your bill for ne cost, view your latest Account information, eam and redeem rewards and more It's your choice - 3 ways to help 2. Call I.800-0ISCOVER (347.2683) for fast, easysslfiservice options or to speak with a Customer Service Account Manager Please have your Discover Cord available. 3. Write us at Discover Card, PO Box 30943, for TDD (assistance for hearing impaired) see reverse side Soft Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Troops. Post Date Dab Payments and Credits Jon 13 Jan 13 PAYMENT THANK YOU $ 100.00 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. Nown Charge Summary Average D i_ q ly atga Daily Re . Rates Nominal ANNUAL RATES ITAGE ANNUAL RA,? AGE Periodic FiN CE Transaction Fee flMN&&5 KS? current billing period: 31 days Purchases $1879.26 Cash Advances $1520.34 0.07463% 0.07463% 27.24% V 27.24% V 27.24% 27.24% $43.49 $35.17 $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Important Information. 9 tee 16 More ter one page to tie bltahp alalemont, see the back of each pegs for additional important inbffet on. See your CardmemberAgnement YaurCardmamberAgreement contains as the tents of your Account f oa a stofan wrdc. Repcd lnanadlatelyi Cat 1600347.2663. Bitting Ripfds Summary. in Case of Ems a0uestans Abort lour BR: R YPU W& your bill is wvrc %or t you bead mom infametia+about A transaction on yourbl. write us on a separift sheet o1poperal Discover PO Box 30421, SeRake Ad the error or Problem appeared, You can telephone us, but Ong UT8413"42t. assoon as possible. We must hurimmyouno War OwOD days so will not preserve your rights. n1 your keen. ph a us the following Inlamall= aRer we sera you the ON loth on Your name andAmourd number. error. Thedolusanoaeoftke =cld Describe the emor and l you can, wiry you beleve there is an trror. n you need more Wormeton, describe the rem your are unsure about You do rd have to pay any amount N quentim Vdde we am Invastgating, Dun you we sill o6fgatcd to pay the par of you big that are not in question. Me we investigme your question, we cannot report you as delinquent or tale any action to curled tike amount you questak. Special Rule for CmN Cad Purohans: ll you have a problem with do quality of goods of servkea that you pwdased tmtn a aedt card, and you have Vied in good tam to cared the problem with the merded, you may not here to pay the remaining amount due on to goods or services, You have trite protection only wten to purchase Price was more than $50 and to purchase was made in your Dame stela of within 100 miss of your m cling adc ass. (If we own or operate the metdnant, or If we ruled you the adverromerufor the goods or services. all p fftm are cowered regardless tithe amount or location of pu tchem) 7?lma Send only you Bysendog your deck as described above, you atAhoda us to aaon an youon you dick or to prunss the payment as a dock mmsaction. Is Mocassed kdomr atio n Iran your lock to male an eledronk Vac transfer, he w.1 yo r your dhea beck from your financial instonbn. asirhg al you If you aokd to payment to any tine address a t yoh use an our _4 inisplaced other Gan the one provided. Paymsrds received h proper lama! our pwacessug lacdtY by 5PM toted tale On any day cols be aedllpd to you Accoumas or tat day. Payments sic c?rot s g a Pie a arrow 7-it gays ar eatery t yam paymerd Bra d dgh t rem A ? an ebdvk d? Discover. Po Box w o t1he You can pay minimum payment or a gma teramourt over to tebplars, and you can set up autanatc payments. Cot us at 1.8043474663. You *4 need Ids statement and you bards acaunt nbrtuaUah.YOU must ensue that sufficient mods am avalable In yarbanc acoouK and all trdsections must comply with U.S. law. You will be asked to provide the fist 5 dgas of your eavrual statement ZIP code. By arteri g those numbers as your electronic; signalua p M be egreekg b this automaton to slow us and your flank to deduct each payment you authorize from you bards aaceusd, and bide debit or credit entries to your bank anxoud. at applicable, to coaecl an ant in the processing of such payment You must let us the amoum of each payment. or you an selBc an amount such as the Win man Payment Due or the New Balance on each statement. You can cancel a payment. beaver, we moil receive notice at least three business days in advance of the sledded payment You may roily to by phone at I-R"7410 be made and law rro eh it Mal at Me wit be. aYour ddress kled In the p d t may be mss your Payments my vary in amount, we wG Id you on each moody slatarneml Whet your payment than ikndkated on the montty statement based on crelft5 or payments applad during the lolling cycle. Credit Repo". We may repot htommation about your account to credit bureaus. Late payments. missed payments, of dine defaults on you account may be refteCted in your credit report We normally report the status and payment d yourAanoxt to credit reporting agencies eachmostt. If you believe that our report Is ftocurale or incomplete, Please write us at the Mooring address, Discover. PO Bank 15316. W4 , DE t 935W1& Please Include your name, address, home tateptane number and Amount numb Periodk Finance Charges. Except as provided below, we will impose Perlodic Finance Charges on putt ases. ail advances and balance transfers beginning with the dale to Vansedion ocass triA the date of mpoymemand on Old Belongs wit the date of repayment. Old Ba*"s are =rpised of 0w Purchases and cash advances made on or Prior to the last day of you blinp period endng during February 1993 or Rem" Lima bolonces. Yar an avoid Payment of Periodic Finance awl lEo on new pxrdhoses 9 you payee Now BWarhce stawn on the b*q statement on which the purcaase first appears by the Payment Due Date, and to Payments and Craft on that statement equal or exceed you Previous Belmhce. We al this t+e'grace period You do not have a grace period on balance transfers of ash advances. Pedodc Finance Charges are imposed on new balance transfers and cash advances beginning with the date the transaction aoaas. Periodic Finance Charges are Imposed on all kaacliors and lad Baleances ura the date of repayment Repayment new payment of your er&e New Balance. However, it you pay the New Bottom shown an this billing statement by to Payment Due Date, end the Payments and Creaks shown on this statement equal or exceed the Previous Balance, we wR not Impose Periodic Finance Cleo" of new pudasea. that Is, Purchases hot appeatrg on ft statement. If yamAommi was dosed as ok (1) September 27.1999: or (k) August 31.20Dt and was formerly a Discover Prime Option, Discover National Aileron, for Species Survkv* or thkousd Studios Account or ill September 30, 2001 ant was formerly a Dsmw Smithsonian Account. you can avad pop" of Periodic Fiance Charges If you pay the New Balance 04" on this Statement by the Payment Due Data and ihe Payments and Credits on this statement equal or exceed your Previous Balance.Ottawise, you will receive a blt'ng statement red month tat inckxlW Periodic Faye ce Charges unposed until the data of repayment. We oompule Periodic Finance Charges each day for pudases. cash advances. balana vansfers and Old Balances (which we rater to as transaction ategodes) by using tie loikbwtng equation Average prey scents x mrum6en ofdays h the bt??ld?n?g?sa?a-_?Ind x Daily Periodic Rae. (Refer loft fauna dwp summary on tle flare of you statement for these amounts.) Then we add al the Perbdc Finance Charges for each 1farRa?arh calegay to get the total Periodic Finance charges for your Account The average Daily Balance Is shown as 0 if no Pedoliicfinehce Charges apply to the bounce in a transaction calegory. We use the Average Daly Balance (kkding new hansecl om) method of calculating the balance upon which we Impose Peiodic Fiance Charges, We con" the average daly balance for each transaction cateDay by a0i g up all to dally balances In a bung paad for a kamsacuon category and dividing the toad by the number of days to the bi ing WA. We compute the dally balance lot each Vusection category 7 days dasTyy day ballaance; and by lien it" fin the previous subkac any aft area payments tst are against applied the bakdenwleM of the trans ? and Periodic Fimmoe Charges accrued on the "YlvA e0oon Old Balances are excluded from the balance at the pwdase and cash Own transaction miegorlea. Spedel rate balance transfers and Balance Transfer Transaction Fee Finance Charges are irxVvded in the defy balance trerafer karhsac0on utegoY• Balance fgnsfehs Gal were subject to an WU special rate del has been terminated due b a tats payment are also khckrded in the mom unit the 0" SpBdal rate odenvise wow have Exprad. in dada I the d* balance of the bet mca transfer trarsadim category on the fall day of to biling period we subtract the Ulp . balenceof lase Solaro Transfer Tramoxon Fee Finance Charges and batarce handers that became purchase rate balance transfers on that day and we add tat unpaid balance to the balance of the pun:1" trarsecAOrn category. All fees charged to your Account are added to the pucase, transaction category with the exception of CashAdvance Tmnsadbn Fee Finance Charges Mich are added to the ash advanca Vansecton category and Balance Trarokr Transaction Fee France Charges which are added to the Bala w trersieroansacton category, It a transawon made in a Provo" biN period Is itemized on thIs statement we consider to kansecton date b be tte fm day of the current ling period when we calculate your Perko6c Finance Changes. for TDD (Telecomrmuskaions Device for the 1>eall) assistance. please can 1$00347.7449. Discover may monitor ahdlo record telephone calls between you and Discover representatives for quality assurance Moses. The Disome card is Issued by Discover Bank Member FDIC. OITBKO56 New Balance Minimum Payment Due DISCI VER $3,341.45 $84.00 Payment Due Date March 15, 2006 16 SDSWA01 0007438 NATALIA DE LA ROSA 620 BRENTON ST SHIPPE:NSBURG PA 17257-2114 Account Number ending in 0453 Enter Amount Enclosed Below $I Please make check payable to Discover Card or pay online ® Discovercard.com. Go paperless and make your account information more segue with password. pprrotected statements only you can access. Learn more at discover comlpaparies.s. PO BOX 71084 uisnllunullallnsal?si CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space ?rr'r??u(sun))unlu)n)ret)l))nr?niln)rillrnlnlnldall above, or go to Disaover.cam. Print your e-mail address to receive important Account information and special offers. 000001986458261760835033414500090000008400 Discover Card Account Summary Closing Date; February 16, 2006 Page 1 of 1 Account number ending in Payment Due Date Minimum Payment Due Credit Limit Credit Available Cash Credit Limit cash credit Available 0453 Previous Balance $3,353.13 March 15, 2006 Payments And Credits 90.00 $84.00 Purchases + 0.00 $3,400.00 Cash Advances + 0.00 $58.00 Balance Transfers + 0.00 $1,800.00 Finance Chows + 78.32 $58.00 New Balance = $3,341.45 You may be able to avoid Periodic Finance Charges, see the reverse We for details. Cashback Bons" Cashback BonuO Anniversary Month: January CONGRATUTATIONSI Your Coshback Bonus(R) is waiting for you, Visit Discovercord.com or call I.800.DISCOVER to get your shore of America's #i Cash Rewards Program. Opening Cashbock Bonus Balance $ 310 5 New Coshback Bonus This Period Cashback Bonus Balance $ 31 15 How Can We Help You? I Visit Discover cons to pay your' bile For ne cow view your latest Account information, earn and redeem rowards and more Ctrs your choice - 3 ways to help 2. Coil I-800`DISCOVER (347.2683) for fast, easy self =service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. 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 Payments and Credits fob 15 Feb 15 PAYMENT THANK YOU $ •90.00 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. PROW Charge Summary Nominal Transaction Daily Paoiy is ANNUAL PERCENTAGE ANNUAL PERCENTAGE Periodic FINANCE Fee FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $1829.21 0.07463% 27.24% V 27.24% $42.32 $0 Cash Advances $1555.91 0.07463% 27.24% V 27.24% $36.00 $0 The rates that apply to your Account are either fixed (F) or they may vary lei as noted above. Discover Card ranked #1 in Fraud Protection Services among the largest credit card companies by Javelin Strategy & Research in its 2005 report. Your account is protected anytime, anywhere with a $0 fraud liability guarantee and we'll call you right away if there is unusual activity on your account, To loam more visit Discovercard.com/protection Impertant iol amatiorl, I there is we than one page Minter NV OONAMt, see the tact a eacn Pager to sooroa a n p awnh ,? ,,b N,. see your Ca k"berAgreemart. Your Cardir"Inber AgteemeM do ll" all fie Isms dYaa Account. Lost or mow cattle. Report hranedatelyl Call 1.800347.2613. Bathing Rigids Stso nary. In Case of Enron a•Questions AboutYourB1A: q you 0W* you bill is our a if you need mere inbrmation about a transaction on your bill, write us on a sepaate d" d paperal Discover, Box 3DD42 but doIng 813 rat preserve Yn PO$ ' Vie must best from your Wo. P us t you n la than 60 days after we sent you the first bill on which the error or problem appeared. You can re us. • Your name atnd Accoura nurrber. The dope'smout d the suspeckW error. Describe, the error end explain, p You can, why you believe there is oil error. If you need mere kdorrtatioh, dr4 to to km you are utsue about You do not have b pay any amount 10 quasbon #& we are Inveslipalirg, but you we still obloled to pay the parts of you bill that are not in question. Wide we investigate your , we caad report you a6 delinquent or take any adaon to coped the atourtf you question. spscW Rule for Ctsdt Card Purdraes: II you have a pratrlam with ft quality d goods of services that you purchased with a credit cod and you have Ivied in good fad to correct rte ytrgdem actin to merchant. you tmy not have b pep pa hentaktkg emamt due on the goods a services. Yau have this pmteclion only when the purchase price "a mere then S50 and lteptxChsae vss made h you Itonna s41e a wpllrt 100 miksdyexx rn tit address. (t wa awn ae>tterele the merchant, or t wa malted you the advertisement for the goods or services at pudases are covemd ragardbss d the amaw a baton d ptecase.) paabove, you adhoriza us to Paymsnls, tier d orty your payment and rte top potion d rtes slakment In the envelope proud. Do rout send cosh BY sending d yea droop as s described! use kdarnhaUon on you check b make an alectrotnctund IraKfer Iron you account ptetaarc rnsWurnon indicated on your corny or to process the as chea heck r transadduxxh. id fund transfer. ' korn your check ro St payment k processed K m ebgraruc frrnd transfer, pre vansler vdt be br tla amoural cline cheric. Wfien dc W from your r malce an Meleaultl your che fads may be wittdrowm fnxn pax aaaxd i# soon ? the same deywe receve Y? faYahant you The ptotasaing of your peymentmay be delayed t you send cosh ocrrespondar ce a otter foams atth paymehu t You send to Payment o any other ltd Rees a p yea use an pope fomh at ou ptoceaskg (achy fi an any day wID aedked to yarAcaaad as dpatdey Payments env" other then the one provided. Payments mcalvad In received at our processing facility alley 5PM bird gmewR be erected b your Acootat as oi tint nett day. t you have rhhbftiared you amebae send you payment to [ltscover. PO Box 6103, Car Snare. It 60187.6103. Please allow 7-10 days or dsIn ehY. t your peynrent b returned unpaid were reserve the right o reader m as en ekctrmic detest You can pay minimum payment or a greater amount over the tekplhotte.811d you con setup aAerdatC payments. Cat u8 at 1-800.347 2663. You coil need Chia slaterneM oral Yvu bank account Wor aloon. You must ensue tat suRrderdturds are avaiade In you barit , and df vatsactass must aty+ US.law. Ytu cols be asked b provide t e fast 5 digits d yo racoaad sWemad ZIP coda. By entering prose nwrheets as yea etecborde sig^ekae. you wR be apteeerrg o ttds autnaitatbtn b a?w us and your bat o ledud each payment you authorize from your bank aaaxtl arW to ketate debt a txodt enhiee o you bank aocowht ere appfksdae b mrrecl an error n D e processing d stedn paytrettt. You mhrst te6 us the amount Of ei0dn payment, Of you Can select an emomi such K the hNnitarm Payer Due a tiro flaw e at pine address the previous paragraph. If notice at least tree business days in advanced the scheduled payment. mat noidy by phom I.M.347-2683 of by moo you, payments may very in emote. we will tall you on each monthly stetement when your payment will be made and how much it will be. Your Auto m?c payment amounl may be less part indicated on the monthly, sstatement based on creft (x paymarls applied dukg the biting cycle. Credit Reponkhg. We may report Information about Your accent to credit bureaus. LM payments, mussed payments, or other defa cis, on your account may be reflected In you aerial report. We mostly report the status and payment A?trou Account to credit repotting apenolaseach morsh, If you believe that our report is inaccurate or incomplete. please write us at the following address: Discover. PO Box 16316. ton. DE 18850.5316. Pleae , Include you name, address, tome telephone number and Account number. Periodic Finance Charges. Except as provided below. we w8 impose Periodic Finance Charges on purchases, cash advances and balance transfers begimting with the date the transaction occurs until the dale t? tadBalahcesunt the dale of repsyrnent. Old Balances are comprised d either purchases and rash advaatces made on or prior to the last day of you bitxg period February 1993 or Reserve tine balances You can avoid payment of Panic* Finance Charges on now purchases if you pay to New Balance shown of the bang statement on which the purchase fist appears by the Payment Due Data, and the Paymens and Credits on that statement ell or exceed you Previous Balance. We cal 06 the `grace pane" You do not have a grace period on balance transfers or cash advances. Periodic Finance Charges are imposed on new balance Mailers and cash advances beginning walk the date the bansactonown. Periodic Finance Charges are Imposed on al transactions and Old Balances unt One date d repayment. Repayment means payment of your "a Now Balance. However, t you pay the New Nan of shown on tins hRGn(t statement by the Payment Due Data. and the Paymens and Credis shotah on this statement equal a exceed the Prev us Balance, we will riot impose Periodic Finance Charges on new purchases, to b. purchases first appearing w oft slate rant. if your Account was dosed as d: (f} September 27,1994 or (d) August 31, 201 and was font eriy a Discover Prime Opthon. Discover National Alliance for Species Sovival' or tkuversal Shrdos Account or (b) September 30, 2001 end was formerly a Discover SrnUhawaruavt Aowtall, you on avoid payment of Periodic Finance Charges 9you pay 6ro New Balance shown at this statement by IN Payment Due Date and the Payments and Creft on ft statement equal or exceed your Previous Balance. Otherwise, you vial receive a bating statement next matt, that included Periodic Finance Charges imposed until the data of repa"t, we, compute Periodic Fiance Charges each day la purchases, cash advances. balance tanstere and Oil Balances (wh)om we reler to as vansacson categories) by using the chewing equallom Average Dally Balance x number of days In the billing period x Daly Per*& Rate. (Refer to the Nnanae charge summary on the from of yma statement for those amounts,) Than we add all the Periodic Fh mx Charges or each kerliadlon category to gal the total Periodic Finance charges for you Account. The average Daily Balance is shown as 0 if no Pedocc Finance Charges apply to the balance in a uansaction Category. We use the Average Daily Balance (krludhtg new bamac6om) method of wkhAating the balance upon which we Inpose Pedodk Fiance Charges. We compute the average daily o, We : ransackthe rumber of m made that day, fin the ees carped let day compue for each Iro c for wash transaction by adding up all the deal balances in a billng rsl adding ?follo ring transaction to the previous s daly the W11 CanatAe theefaiy 0 balance a each transacton category revous o days daily day day le by are applied against the balance of the uansactbn a?" canted on the previous drys 4 s daily baterxe; and by Then subtraebrg any credila and payments; that Old Bela oes area aexckdad from the balance of the purchase and cash advance transaction cateples. Special rate balance bahsfets and Balm Transfer Transaction Fee Finance Cher9ec are ktcludad In rho dally balance vanskr trowdorn ceiegory. Nance trahsbrs tat were %*d to an k" special rate that has been temunal®d due to a late payment are abo Induced h era tstegory uro the kdaE spedel rate otltenvise would lave exPked. In colatatirhp the dopy ixdahce of the balance transfer transaction category on tins fist day of the b1U rg 7; we subvert the u hose Balance Trerhs{a Trarroactloa Fee Fironce Charges and balance vanslers that become purchase rate balance transfers on that day add gat untie d balahca o the batatca d the ghrdase Uansactbrt eakgory. A6 Lyeed to yourk out ere added o the purchase bansaci h wlagoryrrp)t tlts axceptlon d Casth Advance Transaction Fee Finance Ctargos which are added b tie cash advan.0. category and Balance Transfer TrasaCforh Fee Fkame Clagesniuetn aze added b tie balance bsnsfer transaction category, to transaction made in a previous being period m pendzed on ttlsslatement. we aansida the trmuadion date b be the foal dayd du current biting period when we calculate your Periodic Finance Charges. ForTDD (Taletx mauedcations Device for the De&Q assistance, please wt 14tt347.7449. Discover may moretor ender record telephone caps between you and Discover representatives or quality assurance purposes. The Discover' card Is issued by DL%mer Be* Member FDIC. OITBKO56 DISC VER New Balance Minimum Payment Due $3,312.50 $83.00 Payment Due Dade Apra 15, 2006 18 SDSN6A01 0007439 NATALIA BE LA ROSA 620 BRENTON ST SHIPPERSBURB PA 17257-2114 Account Number ending in 0453 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online 0 Discovercard.com. Go poperless and make your account information more secure with password- "ected statemettta orgy you co access. Learn more at discovercantpsperlass. PO BOX 71084 I11 1111111111411111111a1111 CHARLOTTE NC 28272-1064 Address, e-mail or telephone change? Print change in space Ir+Ir?Irnlrrnlr?Intlrrlnlu?illlnrln?rtlu(iu?nlululnll above, or go to Discowr.com. Print your e-mail address to receive important Account information and special offers. 000001986458261760835033125000100000008300 Discover Card Account Summary Closing {)stet March 16, 2006 page i of z Account number ending in 0453 Previous Balance $3,341.45 100 00 Payment Due Date April 15, 2006 Payments And credits . 0 00 Minimum Payment Due $83.00 Purchases h Advances Ca . + + 0.00 Credit limit Credit Available $3,400.00 $87.00 s Balance Transfers + 0100 Cash Credit limit $1,800.00 finance charges + 71.05 50 312 $3 Cash Credit Available $87.00 . , New Balance You may be able to avoid Periodic Finance Charges, see the reverse side for details, Cashbook Bont a Opening Coshback Bonus Balance $ 31 15 New Cashback Bonus This Period + 0,00 Cashback Bonus Balance $ 31 15 Cashback Bonus® Anniversary Month: January How Can We Help You? 1 Visit Dfscover.com to pay your bag for no cost, view your latest Account information, earn and redeem rewords and more It's your choice - 3 WQ to help 2. Cal 1-8000SCOVER (347.2683) for fast, easy self service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3, Write us at Discover Cord, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Soft Lake City, UT 84130 Transactions $0 Fraud UaWlity Guarantee Use your Discover Cord with confidence. Trans, Post Dawn Dom Payments and Cm" Mar 15 Mar 15 PAYMENT THANK YOU $ 100.00 Information For You Balance Transfer offer for current billing period: Doily Periodic Rote: 0.02712%; corresponding ANNUAL. PERCENTAGE RATE: 9.90%. Rate is subject to the terms of the offer including expiration. Why not reward yourself this tax season? Use your Discover(R) Card when you pay your taxes and you'll earn Cashbook Bonus(R). lust visR Www.pay1040.com/discover heam Charge Summary Nominal Transaction ANNUAL ANNUAL Periodic Fee Daily Po Doily PERCENTAGE PERCENTAGE F? RNANCE Balance Rates RATES RATES CHARM _ CHANFE current billing period: 28 days Purchases $1777.83 0.07532% 27.49% V 27.49% $37.50 $0 Cash Advances $1590.68 0.07532% 27.49% V 27.49% $33.55 $0 The rates that apply to your Account are either fixed IF) or they may vary M as noted above. Storting March 25 visit Disrovercard.cwm or cal 1-B004)ISCOVER (1.800.347.2683) to sign up for our next Get More promotion to get 5% Coshback Bonus(P) on gas and select auto purchases made at locations, like AutaZane(R), Pep Boys, Sears Auto Center Only Discover Card offers 5% Cashbook Bonus in popular categories that change throughout the year Important Inbrmatbn. If here is more wren one pap to tlds bikg shleffa t. sae he back of eadn page ter adab" iportm lmo m eon. SeayourCerdmembarAgreameM YourC %wrbsrrAgteemeMcoma'nsaltheIermaofyourAttouri Log or ablen =W. ROW irwnedleW Call t-SOD.347 2689. Bl" Rights Summary. In Can of ErrorsorWestiISAbadY-BA I! you 8rrdd ydulWt b wrong, or t your need more htomalidn about It transaction on yoorbll, w b us on a separate sliest of paper al Dismrer, PO Soot 30421, Soll Lske Coy. UT N 3D40, as aeon as past e. We must hear tmm you no later OM M days alervie serf you he first bill on vdi ch ha error or problem appeared. You can telephone us, but doing so will not preserve yes dons. M your fetter . on us the jollm" InkrmaUa[ Your name and Am" number Thor doleramoum of he ampedad am. Describe fie a= and explain. t you can, why you believe here is an am. H you need more information, describe he tern you are unsure abohr. YOU 60 not have b pay try amount in Wesson while we are Investigaft but you are still obligated to pay he pars of your big that are not In question. Wile we Investigate your quo", we cannot report you as deli went or take any arson b oohed he amount you question. in good faith ID ocirect Special Rub fa Credit Card Pudwea rya, have a problem %* hetfi ft of goods or services to you Wrdssecivib a MR card you m W i ?etlwn 550 to problem with the mterdiol. you may not have b pay ale famssiahg anounhtdue on Do goods or services. You have Bas protection ably and Ode puddvasewas made in your Tame stale a wAtll 10D mrlea d yew rociBng BddtB? (t WE owner opaale he merdnant, a Hwe mated you he adverlisemerd fa he goads of services, all purchases, are covered regardless of he amount or bcaton of purdwil.) Paynhw n6s.Send ordl' your p ty mat and to bP Pa6on of Ours gabnhat h the envelope providfed. Do not semi rosin Bysen sending your dtedd as described above, you aularte us to use rhbmtatlorhrn yowdtedc b make en 11tec4dae land bansfer font you acrootud al theinimdal asWdAaon ir?aBed an your dm* or to process far payment as a check trensactohh. y b procacsed ore an eteaonlo tun transfer, Ode basfet rhW be ter Ore antounl of tls deck. When we use Womwson from you ft* to make an dechcrrc hand transfer. H payrnat tart yotom yea account ecaoorn as he same Qty we facehR you payment end yaw wA nd racesve you d»ck bolt from your hurried k aklion. wpndravn fulls ma be The processing u paynnemtmay be delayed O you eaM ash mrreepoMaaa a other lens whit yew paYrnent, If you sear the payment to any oft address or If you use are emrebpa oher Oren the one provided Paymens necerved h proper form aI ow prooessrrg td 4y by 5PM terOyl lime on any deyw8 be aedd11d to yowAxaal u of Owl day Payments reosiwed at our processrg tastily otter 5PM l cal Iirre vnT be pedoad b yoga AOcount as d Uhe me d day. it ynu have misplaced your enveipe, send your layer It, Discover. PO Box 6t03, Carol Stream. h trb197 6103. Please aeaa 7-10 days 1a delivery If your payvrdent rs reamed dxgOa d, we reseIva the right to resubmit 4 as an electronic dedT You can pay minimum payrtredd or a greasy amount aver the btephone.and you can set W automatic paymwnrs. Call us at 1.800.9472683, You Yuri need tab statement and your bank acmum inlamatorn. You moat antrum Owl sufficient funds am evafbss in you banld account, end an uansacdons must comply will U.S. law. You will be aslied to provide the first 8 dos of your aemnat alalemeM ZP 00611. By enIVIng those mahbareda your e6*o* Slgnabre. YOU Yra be 89"" b dra adtarttow to snow us and you bank to dedudeach psymerf you a Mwite from your bank account. and to hides debit or aerb entries to bards eaounf. n appic". to coned an error In the processng of such psymeM. You must tell us ha amont of each payment, or you can sated an amount such as the Mktrrun Payment DA or the New Balance on each stetelirenl You can carxN a payment. however, we muss receive nehee at feed diem buskwss days In advance of he scheduled payment. You"no* vs by plnore at 140D•347.2683 or by msl at ha address listed in ha prevba paagraPh. If your paymads may vary in emormt, We will tell you on each mw* stetemahtvit n you payment A be made and hay much 4 Wit be. Your Autam k payment amount may be less huh ind sated on Ore monNy statement bamid on aedfa or payments Wiled during the Nkg cyde. Credit Reporting. We my report hbrmation about you amount iD credit bureaus, tats ptpmuhb, missed payments, or otherde(atrs on your account may be ce8ected In your credd report. We normally repot he status and psy3 kstory of you Account to credo mp m*q agencies each month, 9you believe het our repast Is inattuab or traompieb, please wife us at he fallowing address Olsaover. PO 15316. Wi miaow. DE 198SM316. Pieria WA* your nano, address, home telephom number and Account number. Pamela Finance Charges. Exre%as provided bebwc we wit impose Period'e Finance Chagas on purdwses, ash advances and bela ce translera beginning with f1te date he transaction ooaas U W tme deb of repayment and an Old Baladoes add the dote of repayment, Old Balances am comprised of sillier fwrddams and cash advances made on or prior to the last day of your Ming period and g during Febassly 1993 or Reserve Lure balances. You can avoid paymad of Periodic Fiance Chagas on drew purdases t you pay to New Balance shwm on the b&q stalemad an which the pwdrese first appears by fie Payment Due Dab, W Ora Pap" and Credits an het statement equal or exceed yow Previous Balance, Vh al gds ft Vace period' You do not have a grace period an balance lrsftd s or ash advaraes. Periodic Finance Changes am imposed on new balance transfers and ash adwances beginning wit the date he transaction O=M Periodic Fiance Chaves we imposed an all uamsadbns and Old Balms wd he dale ormpWam. Repayment means payment of your entre New Balance, Fiwreva. if you pay the New Balance Mon on ft billing statement by the Payment Due Dole. WO he Payments, and Cfedft shown on Ots statement eWW or exceed he Previous Belance, we wi not Impose Periods Finance Cringes on new purdmasec. tat is, purchases first appearing on Ours statement t your Account was closed as of: (i) September 27.1999; or (ti) August 31, 2001 aid was tormerly a Discover Prime Opow Discover National Alliance For Spades SUyiYely or tkdiversat SbdaAtcorurnC a piY September 3D, 20D1 all was formerly a Discover &**wlan Amount, you tan avoid payment of Periodic finance Chagas it you pay the Now Balance shoA% ors StetemeM byte Payment Due Dale and Bur Payments and Credits on he stelameM mall or exceed your Previous Balance. Otanvbe, you welt recehre a billing statement next month that included Periodic Finance Chances imposed until the dale of repayment. We eongdte Periodic Finance Chaves each day lot purchases. cash advances, balance transfers and Ole Balances (wNd1 we relerto as transaclon alegodea) by using w Idlowio equation; Average Daily Balers x number of days In he bWq period K Daly Parodic Rate. OWarto he fnance charge summary on to frond o1 your stalementfor these anwAs.) Theta we add as ha Periodic Finance Chagas for each trenaedbm category to got he total Periodic Finance charges ter your Acmut. The average Daly Balm is shown as 0 ii no Periods Finance Charges apply to the balm In a transaction ategony. We use the Average i * Odor 11(hdu ang new transaction) mat ad of akadalbg this balance upon whch we impose Periodic Flom Chages. We ampule he average daily balance for each uansaotiah category by adding tip all he daily bi arim in a txlrng period (a s axgee8on category anddrridng he toW by he riuber of days In he bllmg cycle. We compute the it* balance for each transaction coo" on each day by list Wft to following to, ha previous OWs daily balance. transactions made lot day, lees changed that day gas accrued on the previous day's duly balance; and by edam suDwAVa any aodis and payments that are appied agarrel he balance of he transaction =awl Old Balances we excludedfrom the balance of the pwdhsse and cash advana transaction categories, Special rate balance trarsim and Balance Transfer Transaction In Finance Chergec are 71, Balm banisters tat were sibied b an WM speW rate Oat has been temtrmted due tea sic payment ore aof he balance transfer tansactiond co"ory on the fist day of he ce transfers ha become purchase Tale balula transfers on that unpaid balance ro Oda Balance std She purchase CamsacUarn ate9aY, Al fees Ilhazged to gods Ascountare added ro the pwdwse lnafteadbn alegay wbh tie azoept on d>< CaehAdvanoe Tiasactim Fee France Charges which are added to the cash edvanoe lrer.0. cueoorp and Balance Trensbr Tromsac5m fee Fiuwhce CMrgeswhidh ore added ro ore irebrae transfer transaction category. H a trasac9m made In a previous fiekI padiod is hr eel on ins stekmenl we outrider Oho iransaction has b be t e brat day d the currenlbOGng period when we calculate your Penoddc Finance, Charges. ForTDD (Tebcom n mieadons Device to the 0*4 assistance, Please all 1.111 474449. Discover may mombr andlor retard Idephone ails between you and Discover representatives for duality assurance purposes The Dbcovera cad is issued by Dmcovar Bank Member FDIC. OITBK056 DISC VER dosina Deft NATALIA DE IA RASA Marti 16, 2006 Account number ending in 0453 page 2 of 2 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date; January 16 Balance Previous Cashback Bonus Award Balance $ 31 15 Purchase Award This Period + 0.00 Cas a Bonus AwoFd Total 31 13 Cashback Bonus Award Balance Award Available to Redeem 8985507 31 15 $ 20.00 Reshidiora apply to l1,4 C Bonus f artner o[fers visitram Terms and Con Di-T=-om or ca I.8?DISC0VER (1-800.347.2683) for ddetails. For program tldel?? a, see the Cashback Bonus Prog lion. New Balance Minimum Payment Due DISC! VER $3,29129 $94.00 Payment Due Date May 15, 2006 16 SDSNBA01 0007440 NATALIA DE LA ROSA 620 BRENTON ST SHIPPENSBURG PA 17257-2114 Account Number ending in 0453 Enter Amount Enclosed Below $ Please rnake check payable to Discover Card or pay ortwne 0 Discovereard.com. Go paperless and make your account Information more secure with password- Prote fed statements ordy you can access. Learn more at discover i;i lpaperiess. PO BOX 71084 Illrrr16Rpoll llollrrsrlltI CHARLOTTE NC 282721084 Address, e-mail or telephone change? Print change in space Irrlrllrrlnrloll loll fill irullllerrlnlnlsslllilt rlrrlrlull above, or go to Discover.eom. Print your e-mail address to receive important Account information and special offers. 000001486458261760835032912400100000004400 Discover Card Account Summary Closing Date: April 16, 2006 page 1 of i Account. number ending in 0453 Payment Due Date May 15, 2006 Minimum Payment Due $94.00 Credit Umit $3,400.00 CrelitAvailable $108.00 Cash Credit Limit $1,800.00 Cash Credit Available $108.00 Previous Balance $3,312.50 Payments And Credits 100.00 Purchases + 0.00 Cash Advances + 0,00 Balance Transfers + 0.00 F-erance cha s + 78.79 - Now g? $3,29 1 0 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 31 15 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 31 15 Cashback BonusO Anniversary Month: January CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discovercard.com or call I.800-DISCOVER (1 .800-347-2683) to get your share of America's 41 Cash Rewards Program, How Can We Help You? 1 Vat Discever.com to ploy your bill For no cost, view your latest Account information, earn and redeem towards and more It's your choice - 3 ways to help 2. Call 1-8004)ISCOVER (347.2683) For fart, 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 TDO {assistance for hearing impaired) we reverse side Salt Lake City, UT 84130 Transactions $0 Fraud liabipty Guarantee Use your Discover Card with confidence. rData ' Date Payments and Credits Apr 15 Apr 15 PAYMENT THANK YOU $ 100.00 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. EMB650 Charge Summary Nominal Transaction ANNUAL ANNUAL Periodic Daily periiodic PERCENTAGE PERCENTAGE FINANCE CE Balances Rates RAZES RATES _ current billing period: 31 days Purchases $1717.51 0.076009'0 27.74% V 27.74% $40.47 $0 Cash Advances $1626.58 0.07600% 27.74% V 27.74% $38.32 $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 things on your own, Discover(R) Card has the right account management options for you. Call 1.8=tSCOVER O-SM347.2683) or visit Discovercard.com Important Itformetion. H there is more that one page to this b8'ng "emaM. 6119 the back of ouch Page for additiarral Impalant in(orrnation, See your Cardmember AgmeMert, Your Cadmamber ageamanf contains all the temp of your Amount. Lou at stolen cards. Report kmmodiakly! Call I4IWU7-2663, Bgfttg Rights Summary. in Case of Elms or Questions About Your BB: 9 you lards yar td a wrong, of f you need more infomretiOtt abort a transaction on your bill, vwfte us on a ne you sibs. In your st hearpvfrom o u teeth fo00 W llowing Om 60 days we sent you the krst b8 "Wale sheet of paper at Disovrsr. PO Box 30421, Sd ? ? City. LIT 84 doing sow0 n2ot as soon as on whM the a= or problem appeared, You con • You name and Acmud number The data amount of the suspected afro Describe the error and expkn, f you cw why you Oeliave then is an aura. 9you need we information: describe the item you ate unsure about. in questco While we investigate you You do not have to pay any amount in questorrvduk are are irva illp i . but you are ad obligated to PeY the parts of You bill that are not question, we cantol report you as dekngUent Of take any 1100n to noted the arnouhl you gruestiort Spnsdal Rsk tnx CradH lard Purehaaes: H you haws a problern vide tk quaRy of goods or services fret you purchased wits a credit card and you have tried in good !aids to cared teproblenn wiHh to rmercltaf, You meyml trove to paytie ttnreihirg amount due on to goods a aervioes. You have fhrs prolecuau onlywhen t the purchase price was was than S50 and t e pudase was made err gar fame stole a vrttan 100 nniea d gar metug adareas. tit we awn a operde the merdwel, or Iwo mailed you the advetisemem for tits good a services, eA the pudrese ore covered tegadbas d toe emouM a bca6on d Ile purchase J Paymente. Send only Your payment end to sop p rtahd ha statanent n to euhveleP provided. Do nut send cash By sending you check as described above, you autmize us o use ntarnhaNa+an your sheds b male ad aleetrahbkxsdtransteu horn gar eccocrt at rte fuandol rotnWlofh irhd eased on you creek or to process the payment as a deck trahseaion. tl the peynherf s pnoeasssd ne an electronic Acrd transerr, the trattslerwM be br tlhe uncial d Rte shock When we use Wornmlon from you dhede to make an olectronic lend trahsfa, Ands may be wttdravm tronh your ekxwuN as soon es the same day we racehre your paytneM, and you wit not receive your dvx k back from your financial addition. The processing at you payment me* delayed 8 you cad cash, aonaspo illem or otter itara vAtr your payment. Hyou send the pa rtmerht to any other address or d you use an onvebpe other than the one provdea Payments received in Woper form of our processing teddy by WM local time on anydaywil be credited In yourA o rt as of that day. payment to Payments; received at ou prooessng facility alter 5PM kcaltnhe wile be credited to yourAacaum as at t erexl day, If you havemispfftem taad the igh rya , send you an Disoover, PO Box 6103, Card Bosom, IL 60197-6103. Plasse stow 7-10 days for delivery. t your paymtis returned npad, we elecooniodebit You can pay you minimum payment or a greater emant over the telephone, and you can set up submarc payments. Cal us at 14043472583. You will need this sklement and your bank 00004" MbMWM. YOU must erh6Wa HhersrtRcrert Ands are available in your bank account, and a8 frame Aois mast comply, with US, law. You will be asked to provide the tell 5 40 of gar account! a k=M ZIP code. By entering those nrrbers as your electrons signature, you A be agreeing to has aWhauatwn to stow us and your bank b deduct each payment you arse tram you be* accent, and w musk dots or as& entries to you bank seooat, as applicable, to cared error in, to processing of such peyrnert. You mist k8 us the amount of each payment, or you an seled anamourt such as Mimmu n Payment Due or the New Balance on each slafamenl You can cancel e payment, howwvowe must receive notice at least three business days in advance of the scheduled payment. You may noddy us a7ptone at $4003472633 or by maif of the address listed in the Previous paragraph. H your payments may very in amount we will tell you on each molt lysislemeM when your payment wit be made arrd how much t will be. Your Automatic payment amore may be loss tern the indicated on the monody statement bused on credits or payments applied duMgl>e biking cycle. Craft Reporting. We may report Information about you account to ore hbuts". Late paymeMS, massed payments. or other details on your account may be reflected in you credit report. We normally repot the status and pop" history of your Aocoud to aedd reporting agencies each month, if you believe that our report is inaccurate or incornplele, please amk us at the tdlowag address: Disoover. PO Box 16316. Wilmington, DE 198505316. Please include your nare, address, hone telephone number and Account manber. PERIODIC FINANCE CHAGES. Periodic Finance Chagas are imposed on off transactions from the date the transactioi is posted b your Account until the date you pay your en&e New Balance, by maknp payments or maeiving creft However, we YA provide he iokWV "grace pout' If you paid the New Balance on your pervious. bikig statement by the Payment Due Dote abeam on that stakmoM• and you pay the Now Balance by to Payment Due Oak on this statement we will not impose Periodic Finance Charges on new purchases. that Is. purchases Urst appeanng ou this ekkmeM. Ot encase. you wig receive a billing statement next month that includes Periodic Fnance Charges on those new purchases. Thee is no grace poled on belenre transoms at cash advances. We so your tranead" Into groups of purchases, cash advances, and balance harsfers and than further sort to uenseckons within each group by heir Annual Paaentage Role. For exumpie purchases subject In a promotional role and purchases subject b standard role would be saw* groups. We refer 10 owe grails ss transaction categodos. At it e ad of each biting period, we compete Parrodic Fnmoe Chutes for each day of the bing period for each immaumcakgery. We are the fotowi g sWefron to compute Periodic for each transaction colrrgory. Average Daily Balance x Me" of days in the biting period x Dafry Periodic Rate. (See the fne" charge, summary an your statement for these amounts) Then we add up tle Peno& Finance C lows to each uar amen category to get the told Periodic Frame Charges for your Armuni. The avemge Dolly Balance is shown as zero d, because of he gtm period, no Periodic Finance Charges apply to to balance in a traseoWn category. We use he, Average Daily Balance (ihdWng new uensadiors) teethed d calculating the batence upon which we impose, Panoda finance (urges. We compose ft Average Wly Balance for each araraacoon calagoryby adds'B up ad to daily, balances in a filling period for a transedron category and dividing the total by the number of days an the Wmg oyde. We compute th daily balance for each transadion category on each day by first adding the following to he previous days daily balance, transactions made that day, fees charged pat day and Periodic France Charges scahued on 00 day, tl a heiraac9ots IS posted to your Account Otter the Close of the bilkhg period in which it occurs, We will teat the transaction as having occurred on the kcal day of the billing period in vouch t is posted to your k0ount. All lees uM are added to to standard padese transakaa+cele9ac/ with to exception of Cash Advance Toansactim Fee Finance Charges which are added to the ep rasactan calogay and Selateo Transfer Transaction Fee Finance 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 Balm Transfer Trereecum Fee Finance (urges to the standard purchase transaction category. Hweiver, H the special rate free been tormhsakd under to Default Rate Plan, we leave the unpaid basrwe of the balance transfer and the Balarxa Transfer Transaction Fee Finance, Charges in toe applic" transaction eakgory rutd the special late would hove expired. For TDD (Toleoommunieatiwrs Device for the Deaf) asskknce, call 1-11Oa347.7449. Discover may monitor ardfor record telephone cats between you and Discover tweserdaives to quality assurance purposes The Discovers cad is issued by Discover Bank, Member FDIC. OITBK107 New Balance DISC "VEK $9,311.93 16 SDSN6A01 0007441 NATALIA DE LA ROSA 620 BRENTON ST SHIPPENSBURG PA 17257-2114 Minimum Payment Due Account Number ending in 0453 $91,00 Enter Amount Enclosed Below Payment Due Date $ 1 7771 Jura 15, 2006 Please make check payable to Discover Card or pay online o Discovercord.com. Address, e-mail or telephone change? Print change in space above, or go to Oiscover.com. Print your e-mail address to receive Important Account information and special offers. Go paperless and make your account information more secure with password- Frotected siatemerb orgy you ON Boom. Learn more at discover.coWpaperless. PO BOX 71084 11111111#1111#1111111111111 CHARLOTTE NC 28272-1084 111111111 11111 911 1111111111111111 111111 11111111 11111111 1/11111 000001986458261760835033119300100000009100 Discover Carol Account Summary Closing Date: May 16, 2006 page 1 of 2 Account number ending in 0453 Payment Due Date June 15, 2006 Minimum Payment Due $91.00 Credit Limit $3,400.00 Credit Available $88.00 Cash Credit Limit $1,800.00 Cash Credit Available $88.00 Previous Balance $3,291.29 Payments And Credits 100.00 Purchases + 44.68 Cash Advances + 0.00 Balance Transfers + O.DD Finance Charges + 75.96 New Balance $3,311.93 You may be able to avoid Periodic Finance Charges, see the reverse side for details. CaAbaek Bonuse Opening Cashback Bonus Balance $ 311 5 New Cashback Bonus This Period Cashback Bonus Balance $ 31.26 Coshback Bonus0 Anniversary, Month: January CONGRATULATIONSI Your CoWmck Bonus(R) is waiting for you. Visit Discovercard.com or call 1-800-DISCOVER {1400.347.2683) to get your share of America's #1 Ca Rewards Program. How Can We Help You? 1 ViaN Discover cam to pay you bib for no coat, view your latest Account information, earn and redeem rewarsfs and more It's r thoice - 3 ways to W p Coq 1-BODZiSCOVER 1347.2683) for fast, easy WF-service P options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sall Lake City, UT 84130 Transactions $0 Fraud Liabilily Guarantee Use your Discover Card with confidence. TDrans. Post Payments and CrWh May 15 May 15 PAYMENT THANK YOU $ 100.00 merchandise/Retail May 10 May 10 WAL-MART SC 95358 SHIPPENSBURG PA 24.67 Gasafine May 10 May 10 FLYING) CARLISLE? PA 20.01 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.02712%; corresponding ANNUAL PERCENTAGE 4 Tr-- 4s. Rate is subied to the terms of the offer including expiration. Let your Disv /scoverlit) Card pay your monthly bills, and you'll have more free time and a clearer picture of your monthly spending. Simply contact your service providers today to set up regular automatic payments with your Discover Card and start building your Coshback Bonus(R) even faster important Information. N there is more than one page o this bBing statement, we the back of each page for additional important nlaman0n. See your Carlene nber Agreement Your Cordm amber agreement omteths at the temps of your Account. Lost or stolen cords. Report Immediately! Cat 1500.347.2683. Billing Rights Summary. In Case of Enos aGueshonsAbout Your OR If you think your bill is wrong, or N you need more information about a transadwn on your bill, write us on a doing % 84130-0421. aassasoorn as ve your in Yore ieh 9? us you the fa?binform o" after we, sent you the first bill separate met of paper at Discover. PO Box 3D421,hSell o? Cie UT an whch the are or problem appeared. You can ep Your name and Account Wolter The dotaa smarm of the suspected error above. Describe ha ere and explain, if you can, why you believe there is an error. V you need moms Information, describe the item you are unsure You do not have to pall any amount in question Mae we are Investigating. bid you we SIB obligated in pay the pans of your Wt that are rat in question. While we irwesegate you quea6on. we cannot report you as deWMritor take any actin to coded he amain! you kpmeseon. SpeclN Rae for Credit Cud Purchases: If you have a problemvdh the quality of goods or services that you purchased with a credit card rnd you have tried in good faith to correct the problem with the merchem, you may nor hue to pay the remwnirv count due on he goods or services, You have his prolechwn only W harn he purchase price was more than S50 and the puchaat was made in your home two of Within 100 Hates of your mailing address. (K we own of operate dire merchant, of d we traded you ha advertisement fa the good of services, at the purchase are coveted ief ordessof the amount or Wdon of the purchase) Payments. Send only your crock and to top pod" of the ewer verd in to envelop provided, Do not send cash. By sending your dank as described above. you ausarize us to use information on you crock to make and eleouoric fud transfer tan your account at tha finned inslau!an indua orl on your clack or bo process the payment as a check Vansaclion. If the payment is processed as an dedrorw lad transfer the minister Y A be fa the around of to deck. When we use information from you deck to make an simon c kind transfer, funds may be witdrawn tan your acoowt as soon as to sane day we receive you payment and you wtl not receive your check tack bom you finnndd institution. The piocessing of Sour payment maybe data* t you sand cash, owrespondence or utter items with your? payment, if you send the payment to any other address or if you use an envelope other ten to one provided. Payments received in proper torn at our processing factily by SPM OA On on any daywtl be credited to your Recount as of that day. payments ieceiv id at our proooss rg facility slier 5PM loW tine v A be credited to yuurAaooud as of the next ?0 you have m reserve 6placed die agnteA two psresubm , sendd Ryas en mat to Discover, PO Box 6103, Cad Stream . IL 6D197.6103. Please allow 7-10 days for delivery. If you payment elearonic debt. You can pay yaw Minimmum payment of a greats amount over die Weplont. and you can set up akaoaabc psymerts. Call us at i4W3472683. You mill reed this statement and you balk account ado?rm??atio?n. You mud ersue that WtkWnt leads are avsieble in your bank account. all katro4hora must wmply with U.S. low. You wit be asked b provide the fast 5 digs of you ecaout sta!anantZIP code. By entering those nsrib?e?rsuas your electravu soon. you will be agreeing to his authorization to slow us and your bad to deduct each payment you a lbori a from you bank o c A and a_i-nubate 41wr of credit enters 10 your bark acsaura, as appGrabba. to cared Dina In the proossalhg payment You must fall us the smart of aadf payment, or you can select an amount such as Mktntum Payment Due or Do New Balance on each s ailement. You can carted a payment. hawevet we must receive now at least thfee business days in advance of tte, sdedded payment You may notify us by fk'one at 14W47,2683 or by mall at the addrese toted in the previous paragraph. It your payments may vary in amount we wth tell you on each momMy saemont when your pa? wAl be made and Iaw nwdh it %ih be Yaw Automatic payment amount may be less shah the Woeled on the monthly salenent based on credits or payments applied un9 Wang cycle. Credit ReporMng. We may report informalon about your account to credit bureaus. Woe payments. missed payments. other bebelieve tl on ou rayon ntaa y be remwmp>aer. credit raw. We ran?dpy,?,r?a,.w,.. to status and psymart Wary of your Account to UBdll repobrhg agencies you please write us d he otow nit address; Discover, PO Box 15316. VWimi gort DE 148505316. Please include your none, address, home telephone number and Account number. PERIODIC FINANCE CNAGES. Periodic Fiance Charges are Imposed on all tamactora front Ihs date to tramwdar is posted to yourAwounl until the data you pay your enArer Now Belief a, by me" payments or receiving credits, Hoahever, we wig provide the following `grace paid I you paid he Now Balance on your pervious billing statement by the payment Due Date gem on ft statemenL and you pay the New Balance by the Payment Due late on this statement we will not oppose Periodic Faanw Charges on new pucases, that is. pwdesea first agpeamkhp of Who statamerk Otherwise, you we receive a lx7gng statement next month nor! includes No& Finarive Charges on tale rew prrcharas. There's no grace period on balance transfers a cash advances. We sat your tannsadpns no groups of purchases, ash advances, and balance traders and than turther so the transactions within each group by theirAnuat Percentage Raw. For example purchases subject to a promotional We and puchosee suhjat to standard rats word be seperategio ups. We refer to nose gro?u?p,s?.ae.stransaction cakegoies.?raae end of each Wing pedod, we cbnpue Paodic Finance Charges for each day of die bft peed or each traruacOmcangory. %a use de totomimg equation so compute for each trairses6on category, Average Daiy Bataos x number of days in the billing period x Ikty Periodic Rate. (See get Ono" charge summary on you sietenem for these amaunts) Then we add up the Periodic Finance Charges for each tranSaClent category to gel the total Periodic Finance Charges for you Aaromtt. The average Daily Balance is showeh as zero if, because of he grew period, no Periodic Finance Charges apply to the balatw in a traoacfxrh category. We use to Average Daily Balance (including raw trensadio s) method of celu40V to balance upon wlach we u» pose Periodic Finance Charges. We compute Ilse Average Daily Balance ?faeach tansadron category by adding tipwneot! ?therrday boleros; in a 1wTtirg prated f r a bawActon category end divdi g get 1*1 by the number of days in the bang cycle. We win" t* d* belwm IOr each kw"ctioncetaMorh each day _ lust addag get following to the previous days daily balance. transactions made that day, lees charged that day and Periodic Finance Charges scahad on Vol day. I a tronsadion is posted to your Account after he close of the Young period in which it occurs, we watt treat the transaction as hating occurred on rte tiraf day of the bitting period in which it Is posted to yourAccount AN fees to Account are added to the shard purchase transaction category w1n he exception of Cash Advance Transaction Fee Fioa oe Charges which are added to transaction category and Balance Transfer Transaction Fee Finance Charges Mich are added to to applicable balance mafafer transaction category. the 918 4 BalorKe Transf V an Navev raw expires, rota move f ? hem ? tote Plan we leave the rape e balm F bate Die uen Ilh Bata b ions a m?acion Tranon Fen finahw CFarges in the applicabe temaM. waWj untilthe specid rate would have expired. For TOD (Telecommu icatora Device for the Deaf) assiatance, cad 1400.347.7449. Woover may motto andlor record telephone oats between you and Discover tWesotatives or crudity assuraw purposes The Disowere cad is issued by Discover Bank, Member FDIC. OiTBK107 DISC: VER htATA IA DE iA ROSA lDISCOVER Account number ending in 0453 Go green. Go paperless. Join the effort to save trees and clean up your mailbox. Just sign up far Paperless Statements and you can help save over 70 mMion pops per year. You'll also be helping yourself to 24 months of password-pro", statement history, complete wig merchant names, locations and zip codes. Go to Discovercom/pape4ss and sign up for Paperless Statements today. 02010 Di..5.4, WW bur FDIC PPRGRN.0810 Closing Date: May 16, 2006 page 2 of 2 ftlism Charge Summary t?lominai Transaction Average age Periodic ANNUAL PERCENTAGE ANNUAL PERCENTAGE Periodic Fee glance Rates RATES RATES current billing period: 30 days Purchases $1666.90 0.07600% 27.74% V 27.74% $38.01 $0 Cash Advances $1664.70 0.07600% 27.74% V 27.74% $37.95 $0 The rates that apply to your Account are either fixed IF) or they may vary f Vl as noted above. Questions? Manage your account at Discover.com or call 1-800-DISCOVER (1-800-347.2683). New Balance DISCS VER $3,473.28 16 SDSWA01 0007442 NATALIA DE LA ROSA 620 BRENTON ST SHIPPENSBURG PA 17257-2114 Minimum Payment Due Account Number ending in 0453 $105,00 Enter Amount Enclosed Below Payment Due Date $ July 15, 2006 Phase make shack Payable to Discover Card. You are overlnmit. ay the sum of the monthly minimum payment plus the ovedimit amount of $73.28. Go paperiess and make your account informtation more secure with password- protected statemetxs only you can access. Leann more at discover contipa perless. PO Box 71084 Illrrsllsswrtlltlissrtllr) CHARLOTTE NC 28272-1084 Address, e-mail or telephone changed Print change in space {trlillrrlrrrltllrnrltaltltrrllllntlttlrrlulltnlrnlrilrlrall above, or go to Discovar.com. Print your e-mail address to receive important Account information and special offers, 000001986458261760835034732800000000010500 Discover Card Account Summary Closing Date: June 16, 2006 page 1 of 3 Account number ending in 0453 006 Previous Balance ments And Credits Pa $3,311.93 85.00 Payment Due Date Minimum Payment Due July 15, 2 $105.00 y Purchases + 160.62 Credit Limit $3,400.00 Cash Advances + 0.00 00 0 Credit Available $0.00 Balance Transfers . + 73 85 Cash Credit Limit $1,800.00 Finance Charges Balance N . + 3,473.28 Cash Credit Available $0.00 ew You may be able to avoid Periodic Finance Charges, see the reverse side for details. cashback Bonuse Opening Coshback Bonus Balance $ 311.26 Now Cashback Bonus This Period Cashbadt Bonus Balance $ 31.26 CoW=k Bonus* Anniversary. Month: January How Can We Help You? 1 Visit Diawrcom to pay your bill for no cost, view yova latest Account information, earn and redeem rewards and more It's your choKe - 3 ways to help 2. Cod 1.800-DISCOVER (347.26831 for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30443, For TDD (assistance for hooting impaired) sea reverse side salt take city, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Toms, Post Date Date Payments and Credits May 23 May 15 PAYMENT ADJUSTMENT $ 100.00 Jun 3 Jun 3 PHONE PAYMENT THANK YOU 185.00 Other/Miscellaneous May 23 May 15 ADJUSTMENT FINANCE CHARGE 390.15 .00 May 23 May 15 ADJUSTMENT LATE CHARGE 34 00 May 23 May 15 ADJUSTMENT OVERLIMIT FEE May 23 May 23 RETURNED CHECK CHARGE 35.00 May 23 Apr 17 ADJUSTMENT FINANCE CHARGE 3.47 Jun 3 Jun 3 PAY BY PHONE PROCESSING FEE DBT 39.00 Jun 16 Jun 16 OVERUMIT FEE Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.02712%; corresponding ANNUAL PERCENTAGE 9999 - Rate is subject to the terms of the offer including expiration, Congratulations to the 2006 National Discover(R) Card Tribute Award(R) Scholarship winners: Jacqueline Baylor, Stephen Carlson, Winder Downing, Tyler Fortney, BAonty Lyon, Monika Mockow, Desiree Nelson, Seth Robinson, William Stone, and Tess Stoops. Each won $27,500 for post high-school education or training, Visit Discovercard.com/tribute Discovercard.com provides you with the easiest online selhservice 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 awayl Register or log in to Discovercard.com/register Important Information. II share is more than one pope W on biting alsormerd, see the back of each page ton additional important tnfamhNion. y Sea your Cudmernber Agmerr"It. Your Cordmember agreement contains all are tarry of ywuAccount. sill Lost at Nolen cards. Repon immedislely? Cal 14W367.2683. Billing Rights Sanely. In Case d Errors or QueslionaAbokd Your Bill: If you Mink your bill is on, or f you need mare Wormaion about a transaction on yoke bS. writo us on a We must hear from you no low than 60 days after we sent you the fast IA as soon as possible UT 841309421 Ci ° o A , . ty, separate shesf of paper at Discover. PO Box 30421, Sal Lake on which the error or problem appeared You can telephone us, ban doing so wig not (reserve yak rights. In your leper. give us the M wig Womialion: j, N Your name and Account number O v The dollar amount of the suspected error Descaba the era and engrain. t you can, why you believe dare is an errs. M you need more information. describe the them you ate unsure about. You do not hawe to pay any amount in question while we we investigsteg, but you are sty obligated to pay the parts of your big that are notcen qas ion. While we mveatigau your we cannot report you as delinquent or take any action to coded ins amount you question. uestion . q Special Rate fa Credit Cud Purdmsee: t you have a problem with the quaily of goods or services that you purchased with a aedt card rand you have Vied in good fait to correct amount due on to goads of services. You have tits protection only when the Purchase price was more than m s p he romam the Problem oft the muchard, you may not have to pay S59 and he putchase was wade in your some smte at within 100 miles of your maili tg address, IN we oars or operate the merchant, or 9 we mailed you to advertisement for the good or services, all he purdhast are covered regardless of the amount or location of the purcbase.l Payments, Sad only your paynierd and the top portion of the statement in the envelop provided. Do not send cash. By sending your dock as described above, you authorize us fund Vans* from your eooohad at the F MCW usktuNon indicated an your check or to process the payment as a check ni d lect ro c e to use irdamaian on yorcl," to make an Vansed'i n, t Ile t is pr=ocessed as an electronic lend barefar, to transfer will be for the amont of chock. When use Udamagon from your check to make an ekdrome land Ugi kinds may be wNhdrsern from our account as soon as the same day we receive your payment, said u will rat receive your dack bad from your financial matimtion. The processing of your Pafimant maybe delayed f you seas rash correspondence or other items with your payment, it you sand the payment W any other address or f you use an rocessing (&My by 5PM load lime on any day will be cradled to youi A6=1 as of that day. farm at our d i p n proper envelope oleo than the as provided Payments receve Payments received at our proooksp facility offer 5PM local lima will be credited to yarAccort as of he rant day. t you have moaced your envelope. send your payment to Discover, PO Box 6103. Carol Seen. IL 601975101 F%ose obw 7-1Ddays for delivery. t your paynem is retuned unpaid, we reserve the right to resubmit t as an eledronIn debit You can your minimum payment or a greater amokd over he telephone. and you car set up automatic payments. Cal us at 1.800.3472683. You wig need this stemment and You no ensure tat sufficient funds we ovalebie in your tank account and all transactions must comply with U.S. law You will be asked to provide ur leas account rdaoaaeon r bank to o nd l . y u yo ow us a the fiat 3 digfs of you account stownent ZIP code, By entering gorse numbors as your electronic signature. you ofd be agreeing to this subodzeton lo s imfraw 6M or credit ardnes to your be* somuni. as oppl able, to cared error h the process ng of such nd t t o , a deduct each paptiml you authorize lean your bank accoun payment. You muai tel in ha amount of each payment, or you can select on mom such as Wminium Payment Due or the New Balance on each stemmed. You can cancel a advance of he scheduled payst" You may nobly us by plane at 1 ?0 347•Z683 or by mall at the d i i ays t ness; payment, however we [rant receive notice at "a tree bus address sated in the previous paragraph. I your payments may very in sm oum we will tell you an each monthly statement whon your payment will be mare and how much it will be. Your Automatic payment anaurd may be less than the indaamd on he morAfy statement based on credits or payments applied during U)o billing cycle. clew Reporting. we may report wamasoru about your eccorat to creditbuterals. Lam paynanm, missed Poynter. or ohar dodaft on you account may be relleded in your We non elry report fr status and pa"llerd history of your Account to reds reporting agencies each month. II you believe that our report is eact rate or khcomplele, unt number ort dit re d A c b . p . cre o c er an Pease wile us s1 to Wbk*g address: Discover. PO Box 15316, Wilmington, DE 198505316. Please Include your name, address. home telephone num PERIODIC FINANCE CHAGF.S. Periodic Fiance Charges are imposed on all transactions from the 4* the transaction is posted to yowAcwwl until he date you pay your entie nxMs a recdvig sects. Hotvaver. we oil provde the tolowfnV'grnce peolod 8 you paid 8w New Balance an your pervious billing statement by kin e b B g p y y ta afersce, Pew he Poymard Due Dam shtovns on tfel stewmatd, and ya+ pay de New Balance by the Payment Due Dam on dais aateaeal we will am impose periodic Finanoe Charges on new ptadneses lest app(raring On tda stateroenl Otherwhse, you sa d receive a Filing smlatnerd next nsohW that includes Periodic Finance Changes on those new Usti le urchases . , p purchases. Tthne is ra grace period on Defence Irarslers a masFn advances. vve son yrwr Vataenlons iim groups of purchases, cases advances. and besaros 1raraNars end than krdaer sat the aamaidim within each group by their Annual Percentage Ram. d rem wads be separek groups We reler to lase groups as Varsacfon caregae%At the t d or ar Fa example purl ores stAjau to a promotional use end purchases subject W s end of Bads Gtng period we comphhle Pere &c Enhance Cleargea br assn deyd sheb?p period to each Vensadien category. We use the Owing equation to compute Periodic (Sae the fine= charge summary on your statement for these erod x Daly Penod c Rate Wfes i U . O p t a ha each Varlsactiah amgoty Avarsge Deily 8emrxa a ranrhbet d days aroounts.j Thorn we add up the Pnirfodhc Finance Charges fa each trerhwndan ashy pry W got to shat Period c Finance Charges for your Account The average Daffy Balance is stsown as zorot. because ol she grace period. no Periodic Finance Charges apply W the balance ins Vansoorm category. Balance (in cadmg! ow Irenseclionmi mew of a>sNnAebrg the balance upon whin we impose Periodic Finance Chagos. We compute the Average Daily e Dail the Avera W bli l i h y g e use p cyc e. n t e Balance Wr each transaction category by adding up all the daly balances in a burg period ter a tan uldion category and dividing the West by the number of days balance to each transaction category on each day by GN adding 1M Owing to the previous days dailybNanee. traruactions made that day, fees dhargW ute ina dail t the transaction We com ill t y p rea tai day and Periodic Finance Charges acaued an that day. If a transaction is posted to yar Account order the close of the b*g period in which it roars, we w as having occurred on the anal day of the biting paladin which it is posted to your Account Ali fed A,ccouM sue added W the garderd purrcnasa irartsacuon cmegdny with the exception of Cash Advance Transaction Fee Finance Charges which are added to eR t ce lransac0orh category and Baencs Trensfr Transaction Fee France Changes wtach are added to the applicable balance transfer Varmo ion category. g se uscisecaan h d d ar a purc ar When the speraet rem ex M.,ae move he tnpehd bafenc?e of he balance transfer and he Balance Transfer Transaction Fee Finance Charges to he stan d the special rate has bosh temtneted order the Do** Raw Plan, we leave he unpaid balance of the balance transfer and he Balance Transfer Tmnsaebon Fiavevar cowgo , y. Fey Fiance Charges in the applicable uarssaa en category, until the special rate would have eWed. For TOD (Telecoanunhatans Device for the Dead assistance, call 14800.347.7449. Discover may monitor amYa record telephone cage between you and Discover repiesametives fa quality 89s9n2nce purposes The Discover' card is issued by Discover Beek, Member FDIC. OfTBK107 DISC VER p"io NATALIA DE LA ROSA DISCOVER Account number ending in 0453 Go green. Go paperless. loin the effort to save trees and dean up your mailbox. Just sign up for Paperfess Statements and you con help save over 70 million pages per year You'll also be helping yourself to 24 months of password•probded, statement history, complete with merchant names, locations and zip codes. Go to Discovercom/paperless and sign up for Paperless Statements today. 07010 D wmor Bank, M?mbx FOIL 1 14 Mal PPRGRN,0910 Closing Dols: Juste 16, 20(16 page 2 of 3 hewn Charge Summary Nominal Transaction Av_ e?ryage Daily ANNUAL AGE PERCENT Av R m ANNUAL AGE ae Periodic f?lNl Ell TES RA a RATES current 691ing period: 31 days Purchases $1775.91 0.07942% 28,99% V Cash Advances $1706.35 0.07942% 28.99% V 28.99% 28.99% $4372 $0 $42.01 $0 The tufts that apply to your Account are either fixed T) or they may vary (V) as noted above. QU@AIWISY Manage your account at Discover.com or call 1-800-DISCOVER (1-800-347-2683). Closing Date- NATALIA DE LA ROSA DISC' 'VER June 16? 2006 Account number ending in OQ53 page 3 of 3 Cashback Bonus ° Award Summary Cashback Bonus Anniversary Date: January 16 _Balance Previous Cashback Bonus Award Balance $ 31.26 Purchase Award This Period + 0.00 Cash ac Bonus Award Total 31.26 Cashback Bonus Award Balance Award Available to Redeem 8985507 31.26 $ 20-00 Restr'ttdions apply to?e? hbock Sonus Pal?er offers visit Discover com or cog 1.840.DMMVER 11.800.347.2683) For deloils. For program dehils, see the Cashback Bonus Program Terms and Conditions. New Balance DISC'VER $3,445.62 16 SDSNWI 0007443 NATALIA DE LA ROSA 620 BRENTON ST SHIPPENSBURt3 PA 17257-2114 Minimum Payment Due Account Number ending in 0453 $104.00 Enter Amount Enclosed Below Payment Due Date $! - August 15, 2006 P?,? make check pa tx to Discover card. i the monthl th l y e sum a imit. Pay You are over inhnum Payment plus the overlimit amount of 45.62. Go paperless and make your aooount informattort more seem with password- grrn mores at ddisrcovorr only you. can access. Address, email or telephone changO Print change in space above, or go to Discover.com. Prim your email address to receive important Account information and spacial offers. PO BOX 71084 Illnrl?nssalttllenlltl CHARLOTTE NC 28272-1084 IIIIIIIrrlrrrlrllrrrlrsllIII IIIllrrIII IIIIIIrllrrlI1111111.1II 000001986456261760835034456200150000010400 Discover Card Account Summary Closing Dote: July 16, 2006 Page ] of 2 Account number ending in 0453 Previous Balance $3,47318 00 150 Payment Due Dade August 15, 2006 Payments And Credits . 39 00 Minimum Payment Due $104.00 Purchases h Advances C . + + 0.00 Credit Limit Credit Available $3,400.00 $0.00 as Balance Transfers + 0.00 L i d 00 800 $1 Finance charges + 83.34 it im t Cash Cre . , _ w 44S.62 S3 Cash Credit Available $0.00 Balance No , You may be able to ovoid Periodic Finance Charges, sae the reverse side for details. ® t,ns{llx:clc Bonus Opening Cashback Bonus Balance New Cashbacc Bonus This Period $ 31.26 -+----= Cashbadc Bonus Balance $ 31.26 Cashbock° Bonus* Anniversary Month: January CONWATUlATIONS1 Your Cashback Bonus(R) is walling for you. Visit Discovercard.com or call 1-800-DISCOVER (1.804347-2683) to get your share of America's #1 Cash Rewards Program. How Can We Help You? 1 Visit Disco to pay your b For129 d colt view ur latest Account vnt Inf ir?formatbn, earn and redeem row . arcJs arrd more It's your choice - 3 ways to help 2• Cap 1.804DI8COVER (347.2683) for fast, easy selko vice options or to spook with a Customer Service Account Manager Please hove your Discover Card -liable. 3, Write us at Discover Cad, PO Box 30943, for TDD (assistance for hewing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Data Date Payments and Credits Jul 14 Jul 14 PAYMENT THANK YOU $ 150.00 Other/hksosllaneous Jul 16 Jul 16 OVERLiMff FEE 39.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.02712%; corresponding ANNUAL PERCENTAGE RATE: 9.900%. Rate is subject to the terns of the offer including expiration. 8985507 Imported btformotion, it dare is more than one page to this biting statement, see the back of each page for additional tmpomatt information. 0 See your Cardtmmber ATteavent. Your Cardmember agreement contains at the terms of your A=wK z Lost or stoke cards. Report hrr edktelg. Call 1-800347-2663. ' M us on a Ogling Rights Summery. in Case of Enos or Questions About Your Big: gym think your bill is wing, or t you need more inbma6on about a transaction on your bill, wn We must hear from you no later Om 60 days alter we wm you the fist bill ossible is soon as UT 6413x0421 Cit °o o . p , y; separate sheaf of paper al Dimmer. PO Box 30421. Sark Lake on which the arms problem appealed. You can lelephone as, but dung so law not preserve your *15 In your letter, S va tors rho idbwing idommrion: Your name andAcmnar msnber O The dollar wont of the suspected amt Describe to anon and expl* If you carte, why you believe tlxre is an error. ff you treed more information, describe the deem you ere insure about. You do not have to pay any amount in question whale we are irrrvasslgalmp. but you are A o*ated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as defr4ierda take any action o coked Ere amount you question. Special Rork for Credt Cud PumAoses: 0 you have a problem with to quality of goods or services th t you purchased with aaedd lad and you heve tried in good faint to correct fie problem with the meshed, you may not have to pay the remaining amount due on the goods or services. You have this protadim only when the pwdrese price was more San $50 and the padase was made in your home Ott or within 100 miles of your malting address. (Owe an or operate the marOK or Owe moiled you the advertisementfor the good or serviwe, all the purchase ore covered regadess of the amount of location of the purchase.) pock orb desafeed above, You authorize is Paymenta. Sand any your Payment and Ya oP podiah d tike staterrent b the envelop provided. Do not send cash. BY sendig your to use irdonunatrorr on you chacid ro mekeand alechoroc hard trawler Oonh yore accacat at the fsrorvdsl inelituniorm ihdxetad on yea' dheddc a to process 0w payaront as a drank trensec6on. g 0m payment s processed as an dadronk hnd torslar, the trawferwi bar br tike amount d the dredc Whir we use irtEotmaeon irnm you elk ro make an otedronic kind hansfer, hurls may bar wtidtekws from your eccohxtl as soon as the same day we receive yar payment, end you wtf not receive yourchack bock tdxrt your fmanaal institution. The pro-Ing of your peymed maybe dekyed d ycitt -mask mrrespoodence of other items VA.%your payment. If you send the payment to any crew address or t you use an envelope What than the one provided Payments molYved k properfam stow prooessrg kdtty by 5PM local tine an any day will be credited to yourAwount as of to day. Payments received at oar processing kddly after 5PM bcd one will beaedited to, your Aoootmt as of the next day. I you have misplaced your envelope, send your payment to Discover. PO Box 6163, Cold Strew. IL 60t97ir103. Please allow 7-10 days for delivery, if your payment is returned unpaid, we reserve the right to resubrrct it as an electronic debit. You can pay yow minimum peyrnord or a greawramoum aver the telephoner and you an sal up autcaak payments. Cad us at 1-80x34721v?3. You will reed diis stalemenl and a You waistons re 6el oull"funds ere available in your bank amours. Wag transactions dear amtplywdth U.S. haw. Youwti be asked to provide d d 0 k eocana s onna o yar borh the krst 5 digits of you account sletenenl ZIP coda. By snterIg hose morliers as your Waironac sigivilum. you will be agreeing to dacattroraatiort to allow us and your bank to deduce each payment you muff sae from your barns am ink and to Initials debkor at* enacts to your bank swourt, as applicable, to correct enorin the processing of such payment. You =A tell us the amount of each payment, or you can soles an amoud Rich as Wrinum Payment Due or the New Balance on each s MMML You can Cannot a ht worm we must receive ndica at least owes business days it advance of the scheduled pnym ov. You mayrodfy us by phone at 1-80x347.2663 or by mad at time payment i , ll be. address listed In the previous paragraph. It your payments may vary in amount we will led you on each ff*My stakmemwhen you pe? will be me& and hxhw much it w ment amaxt may be less then the inkiled on the monthly statement based on credits or payments appliedduug cycle. ur Apbmetic Y a o p y Cred'd Repordrhg. We may report idamedon about your octant to cant bummn. Lek payments. missed payraer0o, on other defoullts on your account may be reflected in your We normally report On staWs and payment Wfory of your Account to credit reporting agendas each march. If you believe that our spat sxaacuete or incomplete, credit report . please smite us at to folbw nit address: Disawer. PO Box 15316. Wikrargart, DE 1965x5316. Please in duct a your name, address, home telephone number and Account number. PERMK FINANCE CRAGES. Panodc Finance Charges ere imposed on at transactions from to dew the transaction is posted to your Account Ufa the date you pay your entire by no" payments or moohi rg credal. However. we will provide On following-g" period' If you paid the New Balance on your per ass billing sualemam by New Gallant , fie Payment Due Dale shown on that slakmut, and you pay the New Balance by the Payment Due Dole on this statement we wR not impose Periodic Finance Charges on new purchases. that is. ptadteses fast appemig on gas datemanl. Otherwise, you will receive a hRing statement next month that includes Periode Finance Chagas on those new pWdlases. Time is no grace period on balance trahslars or cash advances. . We sat your transatlions into groups d purchases, cash advances, and balance trmafers and than further sod the transactionswNat each group by their Annual Percentage Rate calegodes. At the rarnnaet rate end purchases Mod to standard rode would be We refer to those subject to a h l ps as eor gr p e purc ases For examp Periodic t equation the f end of each biting period. we compute Paradc Finance Charges for each day of der billing period for each transaction MM, We use for each In ommOm category, Awager Daft' Balance x numb r of days it the bang period x Daly Periodic Rau. (Seethe Interns large weir ry on your statement for these amours.) Then we add up 0te Periodic Finance Charges for each transaction alegory to get the tolel Porio& Finance Charges for your Aoomml. The average Daily Balance is shown as zero d, because of tie grace penod, in Periodic Foam Charges apply to the balance in a transaction ategory We use the Average Daily Balance (xokhdig now Vasact ons) method of calculating the balance upon whbh we impose Pwbft Finance Charges. We oompule the Average Daily Balance for each transaction category by adbng up all the doly balances in a bft period for a transaction category and tkvidng the total by the number d days it the bitting gcte. ' s daily balance, timsedions made that day, feesdtarged We catpute the dilly balance for tech tronsectiar category on each day by test adding the following to the previous day i on that day and Periodic: %ace Ganges scaued on the day. B e transaction is posed toyauAaount star the Wse of the tilling period In which t occurs, we will heal the transact as having occurred on the fast day of Ow bung Penod inwhich it is posed to your Account At fees drat to Aecarnt are added to the standard purchase transaction category with ft excep ion of Cash Advance Transaction Fee Finance Charges which are added to gar aP OV6 amvaaction category and Bdoruce Trorskr TrasK*n Fee Finance Gargas which am added 10 the applicable balance hansfer trensecaon colopy. When the rate expires, we move In unpad balance a (ho balance transfer and ft Balance Trawler Trawedw Fee France Charges to the standard purctme transaction we leave the unpaid balance of the belnwe transfer and the Balance Transfer Transaction ate ties been terminated undo 1Fe Dekuk Rau Plarh l Ath i h , a r owever. e spec category Fee Fiance Charges in rite applicable transaction category until the special rate would have expired. For TDD (Telecommurnicalions Device for the Deaq assistance, at 1400.347.7449. D'soeve f may monlior ardor record telephone cats between you and Dimmer ropresertatives for cluaRy, assuranco purposes The Mocrars card is issdad by D'scover Bads, Member FDIC. OITOK107 DISC.NER It Sys to NATAIJA DE LA ROSA DISCOVER Account number ending in 0453 Go green. Go paperless. Join the effort to save trees and dean up your moibm Just sign up for popedess Statements and you can help save over 70 million pages per year. You'll also be helping yourself to 24 months of possword•promcied, statement history, complete with merchant names, locations and zip codes. Go to D'ISCOvercom/papedess and sign up for Paperless Statements today. X2010 Discover Bank, Member FDIC a R a PPRGRN.o810 Closing Date: July 16, 2006 page 2 of 2 MW4 Charge Summary hlominal Transodion Pe fi ANNUAL M Fee Dally P er dic PERCENTAGE PERCENTAGE AGE FINANCE FINANCE Bal gicea des RATES RATES CHARGES CMS current billing period: 30 days Purchases $1750.36 0.07942% 28.99% V 28.99% $41.69 $0 Cash Advances $1748.17 0.07942% 28.99% V 28.99% $41.65 $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). D, New Balance Minimum Payment Due DISC: 'VER $3,381.22 $101.00 Payment Duo Dade September 15, 2006 16 SDSN6A01 0007444 NATALIA AE LA RGSA 620 BRENTON ST SHIPPENSBURG PA 17257-2114 Address, e-mail or telephone change? Prim dwngs in space above, or go to Diiscover.com. Print yaw email address to receive important Accourd infarmation and special offers. Account Number ending In 0453 Enter Amount Enclosed Below $1 1 Please make check payable to Discover Card or pay online 0 Discoveroard.com. Go paperless and make your account information more swum wth paseword- protected atateme* only you can access. Learn more at discover 6wpapedess. PO BOX 71084 Illsrrllrsssssllsll?irsllsl CHARLOTTE NC 28272-1084 lrrlrllrr1rrrlrllurlrrlr411111111rs1rrlrrlrrllrslrrlrVIA $111 000001986458261760835033812200150000010100 Discover Card Account Summary closing Dar: August 16, 2006 page 1 of 1 Account number ending in 0453 Previous Balance $3,445.62 Payment Due Date September 15, 2006 Payments And Credits 150.00 Minimum Payment Due $101.00 Purchases + 0.00 00 0 Credit limit $3,400.00 Cash Advances + . 00 0 Credit Available $18.00 Balance Transfers . + Cash Credit Limit $1,800.00 f since char is 85.60 22 $3 381 Cash Credit Available $18.00 New Balance , , - You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashbock Bonus Balance $ 31.24 New Cashback Bonus Thi= Period + 0. Cashback Bonus Balance $ 31.26 Cashback Bonus* Anniversary Month: January CONGRATULATIONS) Your Coshbock Bonus(R) is waiting for you. Visit Discavercard.com or coll 1.800-DISCOVER (i-600.347.2683) to gat your share of America's *1 Cash Rewards Program. How Can We Help You? 1 Visit co bpryyour 166 for no cost, view your Intesl Account Information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347-2683) far fast, easy selfiservice Pismo have our 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 impoiredl see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Payments and Credits Aug 15 Aug 15 PAYMENT THANK YOU $ 150.00 Information For You Balance Transfer offer For current billing period: Doily Periodic Rate: 0.02712%; corresponding ANNUAL PERCENTAGE RATE: 9.901/a. Rate is subject to the forms of the offer including expiration, OMM Charge Summary Nominal Transaction Ave Perilodk ANNUAL. PERCENTAGE ANNUAL PERCENTAGE Periodic FRIM Fee ;MANCE Bolartcea Rates RATES RATES CHARGES QLAKOL current billing period: 31 days Purchases $1686.28 0.07942% 28.99% V 28.99% $41.50 $0 Cash Advances $1791.02 0A7942% 28.99% V 28.99% $44.10 $0 The rates that apply to your Account are either fixed (F) or they may vary (VI as noted above. tmpoytaK lnformatbn. Bitten is mote than" ppeto flds brag smlemeut, see the beck of each Page for ad"Wet wnportant edmnetion. See your Cardmember Agreement Your Cardelarrhber egreamont contains all the toms of your Account. Lost or stolen ants. Report immediately! Call 1 X00347.2663. Boling Rights Summary. In Case of Emoe or Questions About Your Bill: If you title your bill is wrag, or if you treed more idmnafon about a transaction on your hill, write us on a separate sheet of pow at Discover. PO Box V21, Sob Lake City, UT 64130.0421, as soon as passible. We must hear ban you no leer than OD days ale( we sent you IM lest bill on which One, error or problem appeared. You con telephone us, butdoiuif so will not preserve your rights. In your later, give us sae following inlmhetion: You tame a dlAccount manlier The donor amcud of ore suspects d error Describe the error and eplakh, t you can, witty you believe there is an error. H you need more informeion, describe the item you are tatswa about, You do trot have to pay any, encase in tltte*n whsle we are ervasigalirp. but you are 90 obligated to pay 0* pens of you bill then are not in quesioh. While we ihvestigate you quesim, we cannot (Mod you as delinquent or take any action to ordeal to amount you Wi siicn. Special Raw for Credit Card Purchases: If you have a problem with the que*,dfoods or services that you purchased wilt a credit card and you have tried in good Isbh to correct to problem with to merchant, you may ant have to pay the remoinaig amount duo on ire goods or services. You have ft protection only when the purchase price was more than 650 and aw pirctme was made in you home state or eattir 100 riles of your meing address. (t we own or operate one mercreo, or If we moiled you the advertisement for the good or seniors. all the purchase we covered tepardtesa of to amount orbcaeon of to purchase.) Purymenw. Serud only you paymam and rho too portion of the atatenen! in the emetop prthMdad. Do not send cash. By aenc?rmg your dhoti es desonbed above, you sueonte us to use inbrriatien m you chec a r??t a ant eeWauc lad transer loon your aaaad al Rho f namxial istluion indkaed on your chock a roes lie payrnerd as s the do =.I. e payment s processed as n kmd transfer, the trader con be fa the anoumnt d the chock, Wham vat use mlameum hem you deco tb make an ftad vasiet, iahds may be withdrawn tram you acoonmm ? can ? the same day coot receNe your payment and you cod mot receive You ahedc back ion your inanhd81 isikdim. The proeessliv of you psymomt maybe delayed If you send cash, eoroapond. m of COW iems wits your Palmarl, t you send ire payment to any other afters or 9you use art envelope other then Ota one lmovided. Paymarn nmceh ed in proper bin al our processing mbfly by 5PM local Woe on any day will be credited to you Aoootait as of that day. Payments received at our pros ecaing "lly eels 5PM local lime will be credited to you Aocamt as of One ftad day II you have misplaced your envelope, send you payment to, Discover, PO Box 6tO3, Cad Sbeem, It. 60107X103, Pease allow T-10 days for delivery. If you payment is rauvned unpaid, we reserve the right to resubmit it as an electronic,debit. You can pay you mNrnun payment or a greater amount over rte lelephme. and you can sel up auganatic payments. Call us M 1MD,3472063. You will reed this statement end you hank account Wonnaion, You east erswe eel sullmnt kends are eve)" in you bank scoot". and all asnsaaims must oomoy with U.S. low. You will be ealked to provide the Wst 5 gilts of you accouMSiatetnaM ZIP code. By adoring throe numbers at your electronic signeiae, you will be agreeittg to his wit artlai n to eiow 1K slid you bank to dWw each payment you authorize boon your bank aocoant, and to iritreta debt or cmkl entries to your beret ououn4 as applicable, to correct error in eke processing of such Payment. You muss ei us ore anard of each payrient. or you can stein an amount such as Mkmrxxn Payment Due or to New Balance on each sw6amea You can cancel e payment, however we must receive nonce at east tree business days in atNenos of to scheduled payment. You may no* us by phone at i-600.947-2663 or by mad at ao address listed in the previous paegraph. It your payments may very in amount we will tell you on each monthly statement when you payment will be made and tow much m will be. You Aawmaic payment amount may be less [hen ate Indicated on ft morally siaemwd cased on credits or paymeras applied dump the tilling cycle. Credit Reporthg We meyreport Ftdarmaam eboW your aaoml lc audit bureaus. Lae payments. missed peymarths, or other dolaoba on you account may be milleded in your craft report, we normally report tie asks and Perot history, of ym Acoatrn to aid reporting agencies each monk It you believe Ihel our report is inaxaaate or incomplete. pease Ymba us at the following address: Discover, PO Box 15316. Will moon. DE 198506316. Phase include you name, address, tame telephone number ardAocamt number. PERMC FINANCE CHA668. Periodic France Charges we imposed on et transactions from The date the transaction is posted to your A=* until the date you pay your entire New Balace. bymhakeg paymeme a receiwrg credis. However, we will prowde are followag -grace period' If you paid the New Balance on you pervious blip statement by tna Paymen[ the Oaleshown an aria swam ri. ant you Payne New BaWm by to Payment Due Date m orris setemeta war w41 not itpose Petiodc FinanceChatges m new purchases, that is, purchases fast appealing on his staleme m. Odonaise• you will receive a biliong statement next month Oat includes Periodic Finance Chagas on ease new pwchtses. Theis is no grew period an balance va sfors or ash advances. We sat you transactions into groups of purchases, cash advances, and balance borders and then further sat to tratimbo is whin each group by their Annual Percentage Rate. For example purdeses subject to a promoiond ram end purchases vA*d to standard row would be separate groups. We roller to these groups as transintoncategoues. At the end of each bWq period we compute Periodic From Charges For each day of to bug period [or each transaction category. We use the Mowing equation to compute Periodic our each kansedon category. Average NO Balance x number of days in the bft period x Daily Pwiodc Rate, (See to inane dharge summary on your statemem for these smounts.) Than we add up lie Periods Finance Chagas for each transaction cam" to get the total Periodic Finance Charges for your Account, The average Deily Balance is shwa as zero t, because of the grace period, no Periodic Finance Charges apply to the balance in a transaction cola", We use to Average (Nay Balance (inoltWe new transactions) method of calculating the balance upon coheir we impose Parodic Finance Charges We compute the Avosge Daily Balance for each transaction category by adding up all the defy balances in a balling period fa a transaction alegory std dividing ft amt by-Ore matter of days in the bMV cycle. We oompute d re dally butane to each transaction category on each day byfrA adding ore fottowkg to the previous days daily balance. transactions made tall day, was charged till day and Periodic Finance dotges accrued on that day. O a transaction is posted to your Aeeount after the dose of tha boring period in which it occurs. we will treat the transaction as having occurred on [he fret day d the billing period in which b is pasted to yes Account All fees Apowit ore added to to standard purchase transaction category with the exception of Cash Advance Trarsadort Fee Finance Charges whin are added to she appi16 tranmocim ategay and HaenceTrahder Transaction Fee F"•rarce Charges A ch are added to the eppeabe balance tralemn trMeaWm category. xpvas. we move the unpad batarnctiW The balance transfer and the Balance Traser Transaction Fee Fmw= Chargss tofheSlandad purchase ham WOn NRhen the two ads". However, 4 Me speoal rate has been terminated under the Dofadl Rote ftri, we Issue If* unpaid balance of one balance transfer and the Balance Transfer Transaction Fee From Chagas in the applicable trairsecom casegay trot eta special raw would have expired. for TDD (Telecommunications Devise for ft Dosll assistance, call 1.800347.7448. Discover may m onhoi srdlot record telephone calls between you and Discover represenw6ves for quality assurance purposes The Discover" card is issued byDisoovet Bank, Member FDIC. OiTBK107 New Balance Minimum Payment Due Account Number ending in 0453 DISC! :AVER $3,315.23 $100.00 Enter Amount Enclosed Below Payment Due Date $ I - October 15, 2006 Please make check payable to Discover Card or pay online 0 Discoveroard.com. 16 SDSNSAOt ODD7445 Go paperless and make your account NATALIA DE LA ROSA inforMStionMesecure with password. S20 SRENTON ST ?otected statemente only you cat access. erlass a tdiscovercaN L SHIPPENSBURG PA 17257-2114 . p p eammore a PO BOX 71084 ???ur?`nrsu??r))sru??s? CHARLOTTE NC 28272-1064 Address, small or telephone changet Print change in space 1ri1c{1111111I lrrflllFrlrir????rrs{rr?n?n??n?n?nlr?u?) above, or go to Discover.com. Print your email address to receive important Account information and special offers. 000001986458261760835033152300150000010000 Discover Card Account Summary Closing Date: September 16, 2006 page 1 of 2 Account omber ending in 0453 Previous Balance $3,38122 150 00 Payment Due Date October 15, 2006 Payments And Credits . 0 00 Minimum Payment Due $100.00 Purchases . + 0 00 Credit Limit $3,400.00 Cash Advances . + Credit Available $84.00 Balance Transfers + 0.00 Cash Credit Limit $1,800.00 Rrret - Charges ?.. + 84.01 315 23 $3 Cash Credit Available $84.00 New Balance , , You may be able to avoid Periodic Finance Charges, see the reverse side for details. 26 Cashback Bortt>se Opening Coshbock Bonus Balance $ 31.26 New Cashbock Bonus This Period Cashback Bonus Balance $ 31.26 Cashback Bomrst® Anniversary- Month: January 1 Visit vocover.can to pay your bN for no cost, view our How Can We Help You? latest Account information, earn and redeem rewardsoand more It's your choice - 3 whys to help 2. Cal 1.800•DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Ilia Wlty Guaranies Use your Discover Card with confidence. Trans. oPost uft Payn etft and Cndis Sep 15 Sep 15 PAYMENT THANK YOU $ 150.00 Information For You The address provided in your Cardmember Agreement to roWosl 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. Balance Transfer offer for current billing period: Daily Periodic Rate: 0.05477%; corresponding ANNUAL PERCENTAGE RATE: 19.99%. Rate is subject to the terms of the offer including expiration. P%ffiW Charge Summary Nominal Transaction ANNUAL ANNUAL Periodic Fee Boljonc s PRRates PRERT AGE PERCENTAGE F? FIB current billing period: 31 days Purchases $1576.47 0.07942% 28.99% V 28,99% $38.82 $0 Cash Advances $1835.65 0,07942% 28.99% V 28.99% $45.19 $0 The rates that apply to your Account are either fixed (F) or they may vary (V} as noted above. Get 5% Coshbock Bonus(R) from October to December of restaurants, movies theaters and rental stores; and on books, music and everything else at AMAZON.COM, Games & Noble, Borders(R) Circuit City Cruichfield(R) Napster(R) and Woldenbooks(R). Sign up for this Get More program at Discovercord.com or 1-800-DISCOVER (1.800-347-2683). Important Information, if here is nhae thitn one page ro this bft statement, see the beck of each page for additional important nronnaiwn. See your Cwdmembar Agreement. Your Caidmembet agreement tamavu a8 the terms of your Account, Lost or stolen cards. Report immediately Call i S0.3474683. Silling Rights Summery. In Case of Enos or Quad= About Your Bit: 8 you tf" you bill is wrong, or d you Hoed more InlOtlrelorn about a tram on your bull, write us on a timate sheet paper at Discover. PO Box 30421, Sell Lge on which the am obtenn appeared You can telephone us, but doing sso via not 1 Preserve Yom tights. In youc?len?giveeuus late Womingg Womnataioit ?er we sate you the first bill Your name andAccouM number The doller amount of Me suspected acre Describe Via ear and expisin. a you can, why you believe !here is an error, U you need mote information. describe the dam you are unsure about. You do not have to pay any, smoam in question while we are investigating, but you are still obligated to pay he pans of your bA hat are Win question, While we investigate your gmmion, wit cannot report you as delinquent or lake any action to coded the amount you question. Special Rate fa Credit Card Purchases: 9 you have a problem with do qualityd goods or saviees that you purchased with a nadir cord and you have bled in good fritln to correct he problem wide he merdwm, You trey curl kwve lo pay he remarirtgatreunt dun m he goods a services. You have this protection only when he purchase price was no train S50 and She purcwse was made n yea home state or wd it 100 cotes your medirg eddreea.111 wroovm or operate tlne merchant. or it we mailed you the advertisement for the geed a services, a8 ha pkecher a era cova+ed regert8es8 0l the amaat a loratian of the purcbese.l Paymentb. Sand rxniy Yore payment and tlne top portion of he Stetetrnent n the arnebp povtr)ed. tM not send Lash. BY sending your hack as css, tabove. you ari iecus lo use irlamalon on you dmeck lo make and ebaron c Ind trecuterfrom yea adYAWlt at the finer rial i W lit on led oared on your information driack a o process, the m as a a check transact orb. 8e a peymeM te p oc?ssed as an eiednarac kid transbr, he trarularvrA be lire ha amount d tl e check. When we will ecerk from your check to make an electronic turd tianster, furhds may be wdhdrawn from you acoaea es soon as the same day we receive your paymanL and you will rat reccfve your check back from your financial nsitution, The processing of your Payment maybe deleted if you send cash, correspondence or other items with your payment tyou send the payment to any other address or a you use an envelope other bar he one provided. Payments racexsci in proper form at our Processing feciilily by 5PM local time all any day will be credited to you Accourrt? of final Payments received at our processing leafy attar SPM local Ow wig be credited to your Account as of the next . 0 youhave esa misplaced thyew e rights o ewbmd it as an Discover. PO Box 6103, Card Stream, IL 60147-6 103. Geese allow 7-10 days for delivery if you payment i coed unpaid, we ebarorlc debit. You can pay your mnkmm payment or a greater amount over ft telephone, and you can set up automatic payments. Cab us at 1800.3472683, You will need this atatement and your bank account infotmaaoh. You taut o sure awl sufficient finds are available in your bank account, and 0 tfarmotans must oooply wall U.S. law. You will be asked to provide he first 5 dot, of you account statement ZJP oc de. By entering hose numbers as your electroric signature. you will be agreeing to this auhomliotr to slow us and yore bank to deduct each payment you authorize from your bank soc cud, and to batiale deba or credit entries to your bank account, as applicable, to owed aria in Ike pwossaitg of such paymet, You must lath to he a110unt of each payment. or you can select an amount such as Mieltwm Payment Due of hB New Balance all each statement. You can cancel a payment, howaver we rout receive mks at bast evae business days: in advance of one edredkted payment. You may nofiy us by phone at 1.800.3474683 or by mad at the address bated in tlhe s paragraph. a your payments may very in amount we wS led you on each rmOnhly sletemant when your psyn ant will be made and how much if will be. You Automatic ptiyineM art oum may be less than he indicated an Our monody Werrient based on credits or payments applied during he baling cycle, Credit Reporting. We may report information "I your wootiai b as& burews. Lae payments, mused payments, or other deleus a on your account may be fe8ected in your credit report. We normally raper the status and paymnt his" of you Aaramt to credit reporting agencies each math. 0 you befieve thetas report is kwccuata or incornplele, please write us at the Bowing address: Discover, PO Box 15316. Wilmington, DE 198545316. Please locluds your name, address, home telephone number and Account number. PERIODIC FINANCE CHAGES, Periodic Finance Charges are imposed on 08 096806" from the dote the ransactionuis posted your m?? dole yoralpaay your tire Whig New Balance, by making paymats or receiving atdits. However, we will provide uwfoloweg"9 f>s you paid Periodic Finance Charges on new we pose the Payment Oue Dab slwwrt on tlwt ataemert, aid you ?y 9>e New Babrhce by aro PaY+hwnt pure Data on ills statement l n not i ptvrJhases, that u. purchases fast appeaing on 0is statement OtAerwree, you vria reoaire a bli+n9 stalamem next mMh chat tnotafes Periodic Fnenas Charges on Use now purchases. There is no grace paned on balance transfers ortssh advances. sections We sat Pout tmrwactiors rite groups d purchases, cash advances, ate baferwe trerufra ad then hmF er son the tre. We to the" each group by heir Annual eceraage Rate. fa exarrgfe purdwses subject ro a promobortat rate and purchases subjaci ro alendad rate vmwW lea separate Ipoupe o r li ose grips as transaction on categories. itutem At the rod. wit cohryule Pedodio fnence Clmmges la eedn day of she b ilkng period to each trarisaciian rebry. to d d ctceuse the following on equation ompe Periodic end d eachixYamg P>ei x Pabdic Rib. Isee the finance rge eu aamm? on your statement for tires for end transact on category Average DeBy 13ebrnce x raanbar of days n fur bMtn9 period !?aiY arnounls,l Then we add up the Peio&c Firwnce Chagas for each transectbrh afegory to get She fowl Perodic Finance Charges fa your Account The average Dairy Batarce is shown as zero if, because of he grace period, rw Pmnd c Finance Charges apply to he balance in a Canso n category we use he Average Daily! Balance (Including new transecions) me" of cab lalcg he balance upon Midi we impose Periodic Finance Charges. We compute the Average Daily Saw" for each transaction catagayby a" up ore die daily, balances in a baling period for a Iwreaction car"fory, and dividing he bbl by ft number of days in the billing cycle. We comprise the daily balance for eschtransecaon category on each day by first adding he following to the previous days dadybd& .. hs? hens made e> dheal y, fee the rarged on will transact that day and Parodic Fiance Charges accrued on hat day, a a transaction is posted loyour Account after are dose of the billing period as W ng warred on he fast day of ilia baling period in whicti it is posed to yourAor otun. Account are added ro the slaofard purchase transaction category with he exception of Cash Advance Transaction Fee Finance Charges which are added to the ?anco tiaruaclmrn category and Balance Trarnsfa Trensacion tea Fnauue Chagos winch are added to the sWi able, balance trarufer transaction category. I Fee Finance When tlne special role expkea, wit above he urpad balance of thin balance tratula end She Belau die TramsFerti bmsacof If* balance transfer amid heceBalstandard purchase transaction ance Transfer Transnetbn category trowever. a he spacial tab hiss beam temnnabd odor the Delaun Rate Plan. wit baye aria unpaid Fell Finanoe Chagas in 8re b1a transacon ceregory uml ha spek rate would have expaed. for Tar (Tekcommunia8ons Device for die Deaq assbtanee, ca114884347•Ted9. Disaoyar may maita ardor record telaplhor a a8s between you and D scourer represerdat vas for qu?l ty sssurance purposes The Discover, card is issued by Discover Bank, Member FDIC. 0176KIOT DISO `"VER Closing Daft: NATAUA DE LA MSA Septetnber 16, 2006 Acc e 2 of 2 bet ending in 0453 Cashback Bonus a Award Summa Cashback Bonus Anniversary Date: January 16 Bakwitce Previous Cashback Bonus Award Balance $ 31.26 Purchase Award This Period. + 0.00 Cris ac Bonus Award Tota 31.26 Cashback Bonus Award Balance Award Available to Redeem 8985507 31.26 $ 20.00 Re?rictions apply to !hg iyshback Bonus P--arFrr??er offers visit DGcowr corn or tail 1.800-MCOVER (1804347-2683) for ddetails. For program iis, 300 the Casf>badc Bonus Program Terms and Conditions. New Balance Minimum Payment Due DISC 'AVER $3,289.97 $45.00 Payment Due Date November 15, 2006 IS SDSNBAoi 0007446 NATALIA DE LA ROSA 620 BRENTON ST SHIPPENSBURG PA 17257-2114 Account Number ending in 0453 Enter Amount Enclosed Below Please drake check payable to Discover Card or pay online Q Discovercord.com. Go pap" rtess and make your account Information more secure with password- protected statements only you can access, Learn more at discovercomlpaperless. PO BOX 71084 IIIwsllsnusllrlls,ullrl CHARLOTTE NC 28272-1084 Address, e-mail or telephone changetPrint charge in space III Iloilo 11 above, or go to Diw4mr.com. Print your a-moll address to receive important Account information and special offers. 000001986458261760835032899700105000009500 Discover Card Account Summary Ciosing Dab: October 16, 2006 page 1 of 2 Account number ending in 0453 Previous Balance $3,315.23 105 00 Payment Due Date November 15, 2006 Payments And Credits . 00 0 Minimum Payment Due $95.00 Purchases . + 00 0 Credit Limit $3,400.00 Cash Advances . + 00 0 Credit Available $110.00 Balance Transfers . + 74 79 Cash Credit Unlit $1,800.00 Finances Balance Ne . + = $3,289.97 Cash Credit Available $110.00 w You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cas}Ibo& Bonuse Opening Cashbock Bonus Balance $ 31,26 New Cashback Bonus This Period + 9.00 Cashback Bonus Balance $ 31,26 Cashbock BonusS Anniversary Month: January CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discovercard.com or call I.800AISCOVER (1-800.347.2683) to get your share of Amerim's #f Cash Rewards Program. -- - 1 Viso D'wtover com to pay yew big for no cost, view your How Can We Help You? latest Account information, earn and redeem rewards and more It's your choice - ways to help 2. Cog 1-800-DISCOVER (347-2683) For last, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us d Discover Card, PO Box 30943, For TDD (assistants for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud uabi)ity Guarantee Use your Discover Card with confidence. TOcorans' Post Date Payments and Credits Oct 15 Oct 15 PAYMENT THANK YOU $ 105.00 Information 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. BaTa855Cr?7iFer oFfer for current billing period: Daily Periodic Rde: 0.05477%; corresponding ANNUAL PERCENTAGE RATE: 19.99%. Rote is subject to the terms of the offer including expiration. Discovercard.com provides you with the easiest online self-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 owayl Register or log 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 yov. Call 1.800-DISCOVER (1-800-347-2683) or visit Discovercard.com important fnformsilon. II there is more tan one page to the biting alaterrara, see to back of each page for ed69odal importent idormatan. S. your Cardmember Agreement, Your Cerdrneaber agreement contains d the terms of your Account. Lost or stolen cads. Report immediately? Coo 1404347-2683. Sitting Rights Srarmnary. In Can at Errors or Questions About Your Bill: gym gwrdc your W1 is wrong, oril you need more udametion alwut a tansae9on on your hit, write us on a separate sheet of paper at Discover. PO Boot 30621, Seb Lake City. UT 841340421, as soon as ptinble.We must hest frroM you M later 00 dwo n afkr we sent you the list bill our which the error or problem appeared. You can telephone us, but doing so will rat preserve your rights, t you letter. •YournameentlAcoorau member The debt amount of lee suspected error Describe gw.euor and explain. H you can, why you believe Mere is an error. H you need more information, describe the ism you are unsure ebout. You do not have to pay any arnorud in gtreslon"we are invesrigilft but you are stiff obligated to pay the pans of yourWl thetas not in question. While we irwestigate your questim we cannot report you as delinquent or take achy acli n to cried the amount you question Specld Rate for C edk Cad Purchases: kyu have a problem wen the quaky dgoods or services that you purchased wiltn a credit card and you have tad in good faith to correct tln Problem with the merchant. you may root have to pay One remain% amount due on the goods or sarvioes. You have tM protection only when the purchase p** was more Nan $50 and the purchase was mortis in yore home state or within 100 ndesof your meft address, (If we awn or operate the merchant, or K we mailed you the advert somentfor the good or services, al an prchase are covered regsid ess o (the smowd or location of lee purchase.) Payments. Send only yur payment and fie top portion of to statement i it the envelop provided, Do not send cash. By selling your check as described above, you a th mize us to use mformalan on you dnadk to make and electronic kind irawfor from your account at the financial tuition indicaled on your check or to process the payment as a dock transadlon.It the payment s processed as an elsotronic lead banger, the translat wil be for the amount ego check When we use indarnurkon ham your check to make an electro we fund trere(t, hails may be vdlndrawn fwm your a ioannt as soon as the same day we receive your payment, and you will not receive your check back bon your fnane+al ireailutian. The Pry d you payment maybe delayed dyou Send Cask correspondence mother mans with your payment, d you send the payment to any otter address or U you use an envelops oft than the one prevded Payments mosivad In proper ba=JIM essirng (sc?y, by 5Pk1 local lime on any dap will be wedged to yourAoootrit ae of that day. Payments. received at our prooessng facility, d1es5Ptd loch fire wig be arAaxom as of the red day. dyou spade mated your )j *'?send your ? i paynwnt to Discover, PO Box 8103. Cad Stream. IL 801978103. Please allow 7-10 days for dekvayr. lryow payment ebectrom debit, You can pay yw minkaxn payment or a greater amount War the telephone, and You can set up skarimalc payments. Cal us at 18043472683. You will need this statement and your banuk arcorel Intonation. You must ensure 8nat tallfdent krds am ava" rn your badt account. anal all transactions must oamply with U.S.law. You will be asked to provide the first 5 digits of you accord aWement DP odds. Byenle ig those numbers as yaw ekko* sigmaivie, you will be agreeing to this authorization to allay us and you bank to dedu korn your bade account. and b intsete debitereredu envies to your bank ecownt, as applicable, b oared error n lire processing of such a ct eed paymag you dha' deducteL Yanrmust tail u, . amours of each payment, or you can select an amount suds as M rwnum Payment titre a lee New Belitae on each maleirsm. You can cancel a payment, trowever we burst receive naliee sl bast ltaca bur mesa derys n advanced 0ns scheduled payment. You may no* us by phone at 1-804347.2683 or by mad at the address low in to previous paragraph. H your payments may vary h arau we will ale you an each mwrt" statement when you payment will be made and how much It wdi be, You Automatic payment amaord may be less then the irndwatel an lee monody statement based on credits or payments appled during the Mang cycle. Cradll RepoNthg Wit rimy tepom irnbraurgan ebotm four aaoktm b aeditbnreaus. Lek peymems. missed payments, or other defaults an your eocouad may be reflected in your credit repon.lNe mommy report hestafts and paymern laalaydyar Aooouet lo credit reppoorrlug agernnes each month. Hyou believe that our report 's oneccaate or mcannplele, deasem+rrite us a Ute foltawfmg addresa:OLsoova, PO Bic 1531b, Wdnwglom, i? 190508315. Please include your name, address, lame telephone number and Account munber. Pat(>DIC FINANCE mo B. Period c firhence Charges ere imposed on al transacbas lean the dale tlne banged or is posted to your Account urd the data you pay your entire folowing gr? period If you pa d 0o New Balance on your per m is tAgiog staanentl>y Now Balornce, by making paymerds a r?eeiv ng aedis. hbwrrer, we male provide the the Payment Dug Oea slave our knot statement and you pay Ne thaw Bela lee PeycaM Due pee on Units datemenl we will nor inposr Periods Finance Charges on new rarby purchases. the Is. purdsses fiat appearing an thws 9fAlennenl. Otlrerwise, you wig race ve a t Mg gtelemem next nor W that nduees Faradic Finance Chagas on those new pwd egos. Yhere is ra grace perbd on belahca bansfers a cash advances. We aim your transactions ir" groups of purchases, cash advances, and baltoa banskrs and than further on the transactions within each group by NeirAnnual Percentage Rata. For example purchases subject to a promotional sale mid purchase; suW to eroded rakwoW be separate groups. ft refer to these groups as transaction categorise, At the and of each billing period we compute Periodic Fanatce Charges for each day of the Whig period (or each lrarsadnn category. We use yn baoaang Nation to compute Periodic for salt transaclah category. Average Daly Balance x rarrtber ddays in No Wing period x Daly Periodic Re*. (See the lrmoce charge summary on yaw stetrmem for these smouras.) Than we add up ate Periodic Fiance Charges for each baneacaorn cakgory to pat ins fotel Periodic Finance i baedas (or yaw Accowt The average Dairy Beanie ns sfnown as zero 0, because of the grace period, no Periodic Finance Gouges apply to Nor balance in a Iransoclion category We use theAvorage Daly Balance @tclydnag new transactions) method of caixdalag tin balance upon wtilch we impose Periodic Finance Charges We compute lheAvsrage Dsay Balance for each bahaadlorn category by adding up all gn deity balances in a billing period for a transaction category art dividing the stet by Pie number of days in the bit4rng cycle, We co" on deity dance breach bsnseclon category on each day by first adding the Mowing to lee previous day's daily balance, sanseosons made that day. farts charged that day and Periodic Fi arse Charges accrued on that day. It a transaction is posted to your Account after lee close of the Wing period all which it occurs, we vela treat the transaction as having oatlJfred on tha lust day of lee billing period in which it is posted to your Aocou ri AN ( Aocourd we added to the standard purchase triasectim category with be exception of Cash Advance Transaction Fee Finance Gorges which are added to the arnca transaction category and Belanae Tnarsler Transaction Fee Fmonoe Charges which are added to the applicable balance transfer transaction ceagory. When go special retie expir we move the unpaid balance of lee baleme transfer add the Balance Transfer Transaction Fee Finance Charges to 0te standard Purchase transaction category. However, I the special rate has bran terminated under the special Default Rga, Plan, we leave fate would have avpi>h unpaid balance of the balance transfer and the Balance Traiufer Transaction Fee Finance Charges in the applicable basecoon category For TDO (Telecommurikallon s Device for the W assistance, call 14W347d449. Onscover may mentor arldtor record telephone cab between you and Mover representatives for quality assurance purposes The D'scovera curd is sated by Discover Bank, Member FDIC. 01TBK107 DISC VER It pays to NATAUA DE LA ROSA DISCOVER Account number ending in 0453 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•proiscied, slWement history, complete with merchant names, locations and zip codes. Go to Discovercom/paperless and sign up for Paperless Statements today. 02010 Dnco r Bonk. M*mtw FDIC 0V4 a "WRN.0810 Closing Dole: October 16, 2006 page 2 of 2 Hey, Juniorsl 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 ocademics. To find out more, visit our website at www.Discovemcird.com/kibvie 09VAI Charge Summary Nominal Transaction ANNUAL Aaily? Perriodic PERCENTAGE ANNUAL PERCENTAGE Periodic FINANCE Fe f11?A1NCE Balcince Rates RACES RATES Cl10RGES_ CGE4 current billing period: 30 days Purchases $1466.05 0.07942% 28.99% V 28.99% 99% $34.93 81 $44 $0 $0 Cash Advances $1880.63 0.07942% 28.99% V 28. . The rates that apply to your Account are either fixed (f) or they may vary M as noted above. QueAons? Manage your account at Discover.com or call I.800•DISCOVER (1.800-347-2683), VER New Balance Minimum Payment Due DISCI $3,221.59 $97.00 16 SDSN6A01 0007447 NATALIA DE LA ROSA 620 BRENTON ST SHIPPENSSURG PA 17257-2114 Payment Due Date December 15, 2006 Account Number ending in 0453 Enter Amount Enclosed Below $ 1 Please make check payable to Discover Card or pay online ® Discovercord.earn . Go paperless and make your account information more secure wkh pattsword- pProtected statements only you can access. Leam more at discover comlpspertess. PO Box 71084 lilrrrlirrrrrrllrltrrrrllrl CHARLOTTE NC 28272-1084 Address, e-mail or telephone changett Print change in space (n?r??:r?rrr?rk?nr?r+?r?ur????nr?rr?rr?uj?rr?u?rr?r?sr?? above, or go to Discover.com. Print your e-matf address to receive important Account information and special offers. 000001986456261760835032215900150000009700 Discover Card Account Summary Account number ending In 0453 Payment Due Date December 15, 2006 Minimum Payment Due $97.00 Credit limit $3,400.00 Credit Available $178.00 Cash Credit limit $1,800.00 Cash Credit Available $178.00 CWng Date: November 16, 2006 page 1 of 1 Previous Balance $3,289.97 Payments And Credits 150.00 Purchases + 0.00 Cash Advances + D•00 Balance Transfers + 0.00 Finance Charges + 81.62 Now Balance $3,221.59 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Cashback BonusO Anniversary Month: January CONGRATULATIONSI Your Cashback Bonus(R) is walling for you. Visit Discovercard.com or call 1-800-DISCOVER {1.800.347.2683) to get your shore of America's #1 Cash Rewards Program. Opening Cashback Bonus Balance $ 31.26 Now Cashback Bonus This Period + 0.00 Cashbadt Bonus Balance $ 31.26 How Can We Help You? 1 Visit Dheovor cam to pay your b01 for no cost, view our latest Account information, earn and redeem rewards and more it's your choice - 3 ways to help 2. Coll 1.8=DISCOVER (347-2683) for lost, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Cord available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing Impaired) see reverse side Sap lace City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Data Data Payments and Credits Nov 14 Nov 14 PAYMENT THANK YOU $ 150.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rote: 0.05477%; corresponding ANNUAL PERCENTAGE RATE: 19.99%. Rate is subject to the terms of the offer including expiration. lbesim Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic Pi3CENTAGE FERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES current billing period: 31 days Purchases $1388.22 0.07942% 28.99% V 28.99% $34.18 $0 Cash Advances $1926,73 0,07942% 2899% V 28.99% $47.44 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. Important fnkrmefion. H owe is mote than one page to II billing statement. we the back of each page la additional important information Sea your Card member Agreement. Your Cardmember agreement contains Of to lams of your Account. Lost or stolen coda. Report immediately! Coq 1.806347.2683. Bating Rights Summary. In Case of Errors or Questgris Abed Your Bill: If you ft* your bill is wrag, or 6 you need mote information about a transaction on your bill, write us on a City. onnwwhich the error a per at Discover, PO Box 3042 1. Sell appealed. You can telephone us, but UT doing o will 4not preserve your ngbb. In your kt?givve u you w later hen 60 tys ellen we sent you the fast bit Your name and Account matter The dollar amount of the suspected era Desorbe the ens and explain, Ayes can, why you believe there is an error. If you need more information, desctrbe the item you are unsure about. You do not have to pay any an iu t in question whits we, are investipedng. Gil you we all obligated to pay Eta per is of your trA fiat are not in question. While we investigate your question, we cannot report you as deknt tW or take any action to coped the amokrbtyou question. Special Rate for Credit Card Purchassa; H you have a problem with the dpsGly of goods or services to you purchased with a aeAt cad aril you he* tried in good lei to cornea ft probkrr with the merottmt, you may not have to pay the ramatni g amour due on the goods or services. You have gds protection any when the purchase pike was more dart the he amount of ? milling mss. t1fwe own is operate the merchanl, or dwe mailed you the advertisement for the $50 and One f utchase viias mecle in your cohonie vered st le or wi& 100 mks good or services, all Oro padwce regardless Payments. Send ony your payment and the top potion of due statement in the envelop provided. Do not send cash By sending youa check at desmbad above, you authorize us to use information on your check to make and electronic fud transfer from yaw socouril at the financial insuareorr indicated an your deeck or to process to payment as a check transaction H the payment is processed as an electronic lend transfer, Us transfer wit be fen the amount of the deck, When we use information from your chat k to take an electronic fund minskr, kids may be withdrawn from your accoumr as soon as lie same day we receive your payment, end you *4 not roce ve your check back from your financial instflubom The processing of your Payment maybe delayed l you send cash comiVondanee or other items With your payment, A you send the payment to any other address or f you use an envelope am than the we prwnded. Paynems received In poper form ato our preoessahg facility by 5PM local Firma on any day wnh be sec ted to your Account as of that day. Discover, Payments realived at our proorining PO Bole 61D Cod Stream. IL ? 6019after 5PM III irme will 7.603. Mess allow 710 days to your deovAccount as of to ? sit turn tuedununpahave misplaced d, we reserve the right to esdsend wrdt es an ?enr to tor cry 11 your PaY^1En electronic detm. You can pay your minimum payment or a greater amour over the telephone, and you can set up aWOmato payments. Cal us at 1 MO-3412681 You wB need this statement and yam bank accounl infanmkat. You must ensure, ghat st"rit funds are eaftle in your hank account, ad all trensackais must comply with U.S. aw. You will be asked to provide the first 5 digits of you accoaf statement ZIP code. By entering those numbers as your electronic signabtre. you will tie agreeing to this authorization to allow us and your bank to deduct each payment you authorize from yaw bank account, and to irate debit or Gel entries to your bank 0=04. as appt ocelot to oared error in the processing of such payment. You r tat us the enbokN ndeach payment a you can select an amount such as IAinhnurm Payment Due or tl>e New Betance on each swknemt. You can cancel a paymerrl however war must recekre notice of leasttluee teas rtes days in alvence of the Ediedaed path mend, You may notify us by phone at 1800347.2683 or by coal at the ed mess kswd kl Us previae paragraph. U your peyrhetns may In anM)wd We edit let yen on each tconthly alatedriHq when your payment will tie thetha> fetg made and how nnrdi R w,Y be. tion' Your Aulamhatic paynioN enteunf may be less then the abdicated on Ihre moo hly srtatetnent based on aedfits a Day nens applied during Credit Reportng-W e meyreport inlarrrhwwrn shad your acoouid daac+ bureaus. Lek paymonb, missed paymartts, a other delaus d on you account may be reflected in your aod& report. We nomxgy roped Ste awtua end payment hhctay of you Aeoow t to oracle rnpordrg agendas each month. H you beleve that our report is inaccurate or imm?pkk, please wd!e us al the fogowkig address' Diacaver, PO Box 15316, ydkreeglon. DE 198505376. Please induce your time, address, home kkptiona number and Account number PERIODIC FINANCE Cf1AGES. Periodic Finance s are imposed on vi a h., 0 ban tone dale tlo tr o 01 n is posted to yam Accord unN the date yo pay your entire Now Balance, by maklhg payments a reCOI credit. We ell pordde the ralowng-grace peirod' H you paid Hie New Balance on your pir"b" by the Payment Due Dow shwvii on thatskkmem. and you pay ft N. Balance byfne Payment Due Dale on Ors statement we will not impose Periodic F ina nce Charges on new prchaset, that is, purchases fist appemng on t is statement Otherivise, you receive a filling atatemen1 next month met in"es Periodic Finance Charges on those new purchases. Thatch no gaoe period on balance eenskrs or cash advances. We sat your transactions Into groups of purchases, cash advanoes, and balance transfers and then krt her son the transactions Wtifhin each group by their Annual Percentage Raw, For example purd ow subject to a promotional raw and purchases subject to standard rate would be separate grails. We refer to these groups as transaclim calago es. At the end of each blfing period, we compute Periodic Finance Charges for each day of the MI period for each transaction category. We use the lolawng egruarim to compute Periodic for each transaction category. Awake Daly Balance x number of days in to boring period x Daily Periodic Rau. (See the friance charge summary on your statement for these amounts.) Then we add up the Periodic Film Charges for each transaction, category to get the total Periodic Feriance Charges for your Accent. The average Daily Balance is shown as zero 4, because of the grace period, no Periodic Fula ce Charges apply to the balance in a trensacion category. We use the Average Daly Balance (including new transactions) mated of cakWatng the balance upon which we Impose Perak Finance Charges. We compute ate Average Daily Belencefor each baron calegary by adding up all the ddy balum in a bung period for a traseddan category and dydstg the total by the number of days in Oe bung cycle. We compute the dairy balance for each transaction cekgayon each day by first adding the Mo*kV to One previous day's doily balance. transactions made that day, fees charged Thal day and Periodic F narwe Charges accrued on Opt day.01 a transaction is posed to your Account aka the dm of the Wling period in which A occurs, we witl teat the transaction as having ocrxwred on to first day of the baling period in wtxch A is posted to WAccount. All feeAN, to Award are added to the standard purdtate transaction category%Ali the exception of Cash Advance Transaction Fee Finance Charges which are added to bansoclion category and Balance Transfer Tramixtiont Free Finance Charges which ore added to Ove applicable balance aatskr transaction category. When xPles, We move the unpaid belarwe of Ore balance uasfer and the Balance Transfer Transawa+Fee Fiwce Charges to the standard purchase transaction category, Nowsva, 6 the special rate has been terminated under ite Oekunt Rata Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges Or the app5cebla trarsaction category unfh lie spacial rate would have expired. FerTDD (relesemmuncators Device for the Deaf) aasfetance, rx91800.347.7444. Discover may manta "or record Wephone cab between you and Discover representatives for quality assurance purposes The Discover" card is issued by Discover Back, Member FDIC. OITBK107 New Balance Minimum Payment Due DISC VER $3,33&23 $190.00 Payment Due Dote Jamwry 15, 2007 16 SDSNSA01 0007.$48 NATALIA DE LA ROSA 620 BRENTON ST SHIPPENSBURS PA 17257-2114 Account Number ending in 0453 Enter Amount Enclosed Below $r Please make check payable to Discover Card. Minimum due inckides a past due amount o $ 7.00. 0o papereas and make your account information more secure with password ?otec6?t statements only you am acoess. Leam more at discoveccomfpapeHess. PO Box 71084 11111111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone changO Printchamge In space Inl,llnl1111111Pool n111to x1111,h,lulrrlnll,rlrhlrnl1lnrll above, or go to Discover.com. Print your e-mail address to receive important Account inormation and special offers. 000001986458261760835033382300000000019000 Discover Card Account Summary Closing Date. December 16, 2006 page 1 of 2 Account number ending in 0453 Previous Balance $3,221.59 00 0 Paymert Due Date January 15, 2007 Payments And Credits . 39 00 Minimum Payment Due $190.00 Purchases . + 00 0 Credit Limit $3,400.00 Cash Advances . + Credit Available $61.00 Balance Transfers + 0.00 Cash Credit limit $1,800.00 Finance Charges + 77.64 Cash Credit Available $61.00 New Balonos _ $3,338.23 You may be able to avoid Periodic Finance Charges, we the reverse side for details. Cashbdck Bonus- Opening Cashback Bonus Balance $ 31.26 New Cashback Bonus This Period + 0.00 Cashbadc Bonus Balance $ 31.26 Cashback°BonusS Anniversary Month: January 1 Visit Discover corn to pay your bill for no cost, view our How Can We Help You? latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Coll 1$00.DISC0VER (347.2683) for fast, easy s4service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt lake City, UT 84130 Transactions $0 Fraud Liability Guaranies Use your Discover Card with confidence. Trons. Post Dale Date Codw/Miscellaneous Dec 16 Dec 16 LATE FEE $ 39.00 Information For You While we are permitted under the Cordmember Agreement to increase the APRs on your Account because your payment was late, we have chosen not to do so at this time. We have terminated, however, any introductory or promotional rate on purchases and any special balance transfer rate, and applied the standard APR for purchases to your outstanding balance of purchases and balance transfers. However, we reserve the right to increase the APRs on your Account if you fail to pay the minimum payment due by the payment due date. See the Default Rate Plan section of the Cardmember Agreement for details. Balance Transfer offer for current billing period: Daily Periodic Rate: O.D7942%; corresponding ANNUAL PERCENTAGE RATE: 28.99%. Rate is subject to the terms of the offer including expiration. 8985507 """ ATTENTION `"• Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. Cut back on mailbox dutterl Sign up for Paperless Statements and simplify the way you manage your account. We'll send you an email as soon as your statement is available online. And,, while you're at Discoyercard.com, you can pay your bill quickly and easily. Sign up at Discovercard.com/ps limportsrt hrdonmattoh, it liters is more than one page to this billing safananl, see do back of each page fa additional important mfOmsAon. see yoir eatdmember Agreement. Your CardmaMxr agreement Wntakha 110!14 W= d yarACmhrd. Lost at stolen arch Report i mrediaudy! Cal iMO-347.2683. Biting Rights Sa irmaM. In Case of Errom or UueskaaAbout Your Bi: 8 you think VW Dill 'so arg, a t yon need mom irdomwliaonn about a ramation on your big, write us on a separate sheet d paper at Discover, PO Box 30421, Set Lake City, UT 84130.042t, as soon as possible.hWe meet w from you aw fum 660 days eWwe seer you the first bill informatim on which the era or problem appeared. You can telephone us, but doing so will not preserve y- trgh s. Your letter. give us the following Yourname adAaoourd amber The sb0sr smart! of the suspected error Describe the error and e*lein. 0 you an, why you believe lire k an error. t you need more ink matim, describe the item you are unsure about. You do non have to pay any amount in question while we are rrwesl9at". bul yW are still obligated to pay the pads of Vitae We that are not in question. While we rrvessgate your question, we cannot report you as delinquent stake any acton to collect the amoum you question. Speclal Rata for Credit Card Purchases: If you have a problem with tits gustily of goods or services tail you purdlssod with a aid card sail you have tried in good W o correct to problem with the mordent, you may root have to pay to remankrg amount due on to goods or sarvicas. YW have this protection only whanthe purchase price was more than of the 100 mmmiles 01 ml location mil ewe own or operate the mardnent or 4 we mailed you the advertisement fo Ste good and sthe ervices, was M purchase it pier home sta regardless or within Paytnenb Surd onty Y PaYai and WP Patin M the sataraern in the hmvebp ploy dad. Do rot send ash. By sending you dhera; as data bed above, you authorize us to use intamarbn en your etreck to make and eleCbarie fund eariskr from you shxoud ar Oe faanaid ir?Miorh irh6csled on you tlheck or ro process the payment as a check uarhsacaah. it to peymem a phocaased on an afecwnle had dander. to bensra wa be for t14 amamt of Nit d14c;. Whim we use itorrne6onh ham yes meta W make an ebctrordc had aersfer, thirds maybewithdrawn tram yam acwhhrd as soon as the same day we receive your paymsnl, and you w0E not receive your cheek bark trem your knandel institution. The processing of your psymem maybe debyed if you said cash, correspondence or oft hems with your payment 6 you send the payment to any other address ail you use an emeebpe other than to one provided. Psymenla received in proper tam at our processing b*y by WM local ime on w ydaytwl be cradled to yaxAccount as of gut day. Paymarda ieaeiad at our processing teat aloerSPM local time will be aedded to your Arcwtt as of the next day. If you have mispleow your eavebpa, send your payment to Discover, PO Box 6103, Card Stream, IL 601978103• Pease allow 7-t0 days for delivery If yom payment is returned unpaid, we reserve the right tofeeubmil it as an dedionic detail. You can pay you minimum payment or a greater amount over the Weplama, and you con ref up sutomrbc pa . Cal us at 1800.3472683. You we need this stedemmt and you bunk account inkno tlon. You must ensue Biel sudidem ends are available in your bed; account, and eE harreacYOns rrrast comply with U.S. low. You wi6 be asked to provide the first 5 Roof you account s!atemmf ZIP code. By entitling those mrrbers as your ak Ininie signature, you will be agreeing to this autha®6on to dbw us and your bank to deduct each payment you atihOfize tan you bard; account, and to i irate debit or ciedd enbaa to your bank account, as app6ah6e; W coned amen in the ptooming of such payment You crust tell us the wrorA of each payment, or you can sekd an amount such as Miniatm Payment Due or the New Belem on each statement. You can ca cal a payment, however we must receive notice at "at tree business days in advance of the scheduled payment You may notfv ua by! hone a(1. 0-347.2683 or by nail m the address listed in the previous paragraph. Ryon payments may vary in amount we vA tell you an each monthly statement w4tm you payment will be made and how much it will be. Your Automatic payment wri mt may be le& then 011 a4mled on to monthly satemem based on credits or payments applied dieing the biting cycle. CredK Reporting. We may report i homiation about your smunt to aedt bureaea. Late payments, niseed payments, or oser defame on your account may be releded'm you credit report. We normally report the status end payment history of your Account to ctedt repoft each month. t you believe, that our mW is inaccurate or incomplete. please write us at the following address: Oiscovar, PO Box 15316, Wilmington, DE 19 16. Please include you name, address, home telephone number and Aooamt number PER*W Fd4ANCE CRAM, Periodic Fkhence Charges we imposed on al iter acdorx from the date One transaction is posted to Vow Account wild the date you pay your entire New Babnca, by rtaheg payments Of (OMM CFO&. However, wa rill provide the following -grace period" I you paid the New Balance on your perviare Ming statement by the Payment Due Date sham on that saMnant, and you pay the New Balance by the Payment Due date on this saament we will rot impose Periodic Faanoe Charges on new purchases, that is. purchases first appewing on this sawn a t. Ogrerwise, you will receive a biting stalernerd nexl month that includes Periodic Finance Charges on those new pudheses. Time is no gran period on balms transfers orcash advances. We sod your bansectiom into groups of pudases, ash advances. ad balance transfers and than flirter sod the trrsacuons within each group by the'rMnual Percentage Rate. For sample puehasessubjact to a promotional rate and puc eses etdhjed to stendord rate would be separme groups. We refer to these props as uahsaction categories. At the and of each Will period, we compua Periodic Finance Chatges for each day of the biting period our each transaction category. We use the following equation to oanpute Periodic for each bamechon category. Average Daly Balance x ember of days in the bRng period x Daly PerodioRate. (See the finance charge summary on your statement for these mounts) Then use add up the Periodic Finance Charges for each tansetwm category to get the total Periodic Finance Charges for Vow Account The average Daily Sulam is shown as zero 1, because of to grace period, no Periodic Finance Charges apply to the baimnce in a transaction category. Weuss, the Average Daly Seem, (ialudn9! now transactions) method of calm4artig the balance upon which we impose Periodic Fnma Charges. We congaue the Average Daily Balance for each trarnsection rxrtegoryby adding cep al the daily balances in a b" period for a transaction category mdd'nidng t olotall by the mu her of days in the biding cycle. We compute the daily balance breach trwosetion categayon each day by fast adding Ole Wowing to to previous days daily balarea, bansactoms made Orel day, leas charged that day and Periodic Finance Chisges accrued on that day, 9a transaction is posed to your Account after the dose of the tilling period in which d oomm. we will beat the transaction as having ocamed on the Erst day of the bung pww in which 4 is posted to your Accent. Al fees a Aerauntefe added W Ohe dedard pwd>ass unnseedw al OrY with the exception of Cash Advance Trenescton Fee Finance Charges which are added to . the ?hca baaadm cearil Balance Transfer Transactm as Fineha Chagos which are added so to apptcabte balance Imrakr tareaCuon category when a apaaei rem expmea we move the unpaid bafaoe of the balance blear and the Balance Transfer Transaction Fee Finance Charges to the standard purchase iransac9m cat However, if der spacial rate has been terminated under the Default Rate Pan. we leave the uhpeid balance of to balance transfer and it* Balance Transfer Transactor Fee F mare Charges in the applicable transaction atagory until the special rate would have expired. For TDD (Telecommumcatorra Devise for the Dean sasisancs, call 1800.347.7449. Discover may monitor andla record telephone cots between you and Discover representatives for quality assurance purposes The Disomr>ard is issued by Discover Barak, Member FDIC. 01TOK101 DISCNER t pop NATALIA DE LA ROSA DMOVER Account number ending in 0453 Go green. Go paperless. loin the effort to save trees and clean up your mailbox. Just sign up for Paperless Si otements and you can help, save over 70 million pages per year. You'll also be helping yourself to 24 months of password protected, slawment history, complete with merchant names, locations and zip codes. Go to Discow cam/paperless and sign up for Paperless Statements today. 02010 VKorer Bank, Membor FDIC PPRGRN.0810 Closing Date: December 16, 2006 page 2 of 2 FROM Charge Summary Nominal Transaction Daly Per odic ANNUAL PRat4TAGE ANNUM. PERCENTAGE Pori 1C FIN Fee FINANCE Bolan ces Rtes RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $1285.02 0.079-42% 28.99% V 28.99% $30.61 $0 Cash Advances $1973.95 0.07942% 28.99% V 28.99% $47.03 $0 ?R s 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.corn or call 1-8004)MOVER (1-800-347.2683). New Balance Minimum Payment Due Account Number ending In 0453 Enter Amount Enclosed Below DISC VER $3,219.05 $96.00 Payment Due Date 2007 15 $ Di bl Pl tinum , Fer scover e to a Please make check gyaQ Card or pay online ?Di3COVercard.com. 16 SDSNSA01 0007449 NATALIA DE LA ROSA Go Pelorteee end make your account informstonmore seoureWith 620 BRENTON ST rotected sidements only you tO team more atdiscovercomrpapeskss. SHIPPENSBURG PA 17257-2114 PO BOX 71084 {{lsnl{rural{s{{usallel CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space l,rlr{lrrlnrlrlfurlnlalrall{{urlnl»lrrltrrlnlrrliln{! above, or go to Discover.com. Prim your e-mail address to receive important Account information and special offers. 000001986458261760835032190500090000009600 Discover Platinum Card Account Summary Closing Dates Jonuary 16, 2007 page 1 of 1 Payment number ending in 0453 Previous Balance $3,338.23 00 200 Payment Due Date February 15, 2007 Payments And Credits . 0D 0.00 + Minimum Payment Due $96.00 Purchases vances + 0.00 Credit Limit vat credit Available $ $1 t80 80.OD .00 Baksnce Tramfers + 0.00 80 82 Cash Credit Limit $1,800.00 Ferance Charges . + 219.05 $3 Cash Credit Avalable $180,00 New Balance You may be able to avoid Periodic , Finance Charges, see the reverse side for details, Cashback BonW Opening Cashback Bonus Balance $ 31.26 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 31.26 Cashback Bonus® Anniversary Month: January CONGRATULATIONS! Your Cashback BonustR) is waiting for you. Visit Discovercord.com or call 1-800-DISCOVER (1.800347.2683) to 90 your share of America's # 1 Cash Rewards Program, You? Hel W C i Visit Discover con to pay your bill for no coat, view your. earn and redeem rewards and more t Account Information l t p e an How It's your choice - 3 ways to help , a es 2. Call I-BOO 1SCOVER (347.2683) for fast, easy self-service eak with a Customer Service Account Manager ns or to s ti p op o 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. I Dole mp& Post .00 Payments and Credits Dee 23 Dec 23 PHONE PAYMENT THANK YOU $ 190 00 . ,Ian 15 ,fan 15 PAYMENT THANK YOU Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0,07942%; corresponding ANNUAL PERCENTAGE RATE: 28.99%. Rate is subject to the terms of the offer including expiration. *31 Charge Summary Average Daily Pert6dic Avej Nominal Transaction ANNUAL ANNUAL Periodic Fee PERCENTAGE PERCENTAGE FMAtiCEMS y Balances Rates RATES RATES ?? current billing period: 31 days Purchases $1260.60 0.07942% Cash Advances $2022.33 0.07942% 28.99% V 28.99% $31.03 $0 28.99% V 28.99% $49.79 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Imporlaat Information. If here is more than one page to this biing statement, see the bad of each page for addaionel mportertt aaamation. Sea your CrdmemlerAgreement your Cardirembet agreement coream all the terms of yourAccount Lost or eban cards. Report Immedidelyl Cal 1.60WD47,2683. Billing Rights Surmnary: In Case of Errors or Questions About Your Bill: 11 you flank your big is wrong, or t you need fire fMomwBon about a transaction on your bill, write us on a separate sheet of paper at Discover, PO Box 3D421, Sete Lake Cry, LIT 64130-0421, as soon as possible. We must hear from you no later than 6D days after we seat you the first bbl on which to end or problem appeared. You can telephone us, but doig so will not preserve your rights. M your k1ta, *m us the following informatory Your name and Account mffn1ber The dollar amours of the suspected error Describe to error andW*M, A you can, why you believe there is an error. If you need two information, describe the tan you are unsure about. You do not have b pay any amount in Weston while we are Investigating. but you are all obligated to pay the pads of your bill ter ere not in question. While we investigate your question, we canal report your as de impuentor take any action to collect the amount you rimsson. spacial Rate W Credk Cara Pnmhases: gyuru have a pobkm wMn do quaty ofgoods a services that you purchased with a craft? well acl you have tried in good feuh tooobect the problem wnh to merdeeM, You nay not hove W pal Uhe rertarwp amotet ire on the goods a services. You have thus p toleeaomn My when the purchase Price as more Own good savrprads ghe s mil" s "but reed repauge 9e amoral a ewe own a operate ire merchant, «t we mnafad you the adverr08eemetior the By sendug You deck as described drove. You erthotize us Paymermb. Bend sty you DaYn p°?0110loe sbeneed n fie envelop pruyvidad. Do W5= be airs n. gthe ctwd b make and dednorho fund fmnsfa (ran your oocaraht ar t e feerhdel indcded When on we you use d Wd" or to process tie payment as a check to use nlormalohran your s processed e6 air aiactranb Mot trans ar, t e trarslawill be lathe smash ed . mratorh from your dock to rake an elecronk tend rwnsra. hands may be wdhdrawh from you assort as soon as the same fey we receive yourpeym L and you wog not receive you check back from your thencial institution. The processing (A your papmat maybe delayed l you send cash, cattspondel- or other items with your peymeM, t you send the payment to arty other address «d you use an emalope oft late the are provided. Paymads recewad'n proper forma our processing laity by 5PM bad time on any day will be are&W to you Account as otthat day. Payments revived d ou' processing aof5ly alu r5PM local time cog be cradled b yourAcoaad as of nba mad day. If you have misplaced your envelope, send your payment to Diiiever. PO Box6103. Card Saesm. IL 601976103. Please allow 7-10 days for delivery. I your payment is returned unpaid. we "weft right to resobmil Ras an ekcaonic debl. You can pryyourmfrvmum payment or a greeter smount aver the telephone. and you can set up eutmwtc paymeads, Cat us at 15W347M. You wN recd this statera and you bend amwunt information. You must an= Ind auScierN furls are avsddefe in your bank ecuoru. and erg traleectiau mull aormplY war U.S.Iaw.You will be steed o provide the fast 5 dab of you aocoeaA statement ZIP cads. By entering those numbers; as your ekworxc signature, you will be agreeing to this sutarblion to stow us and you bank to deduct each payment you authorize from your bank aCQOmt, and to initiate debit or oadt sallies to your beck sco t, as epptable, to correct enornthe provssig of such payment. You must 10t us tte ao unit at each paymerg, or you cat select an amountsuch as W imxm Payment Ore or the Now Balance on tech sidemo d, You an ancd a payment, however We must receive mom at latest Ouse business days in advance of to scheduled payment You may notify us by phone at 1.600 347-E663 or by mail at the address tested in the previous paragraph. N you payments may vary in amount weYM bet you on each monthly sldemad w hate your payment will be made and how much t wB be. Your Automatic payment amount may be less than ft ind vled on the nmontvY satemet based on credits, or payments applied during the biting cycle. Croft Reporting. We may report nfomelion taut you account tD creme bureaus. Lae payments, massed paymens, or other deau is on your amount may be relecfed in your credt report. We normally report gar stabs and paymet history of your Acom to credit reporting agencies each month, ff you believe tal oar report is hnaccrrale Of inoomptek• please write us at the mowing address: Discover, PO Box 15316. Wilmington. DE 196505316. Please include your name, address, hone leleptwae number and Account amber. PERIODIC FINAKE CIMU. Periodo France Charges are impocedon at transactions from She date the Iransadkon is posted to your Account udil the dare you pay your entire New Balance, by making payments or receiving credits. However, wt vat provide to follwn g'gmce period' # you paid the Now Balance on you pervious bang statement by the Payment Due Dare sham on that statement. and you pay the New Balance by the Payment Due Date on Us statemet we will not impose Periodic Finance Garages on new purchases, that is. purchases first appearing or bus statement. Ot ervase. you will receive a bilfng statement next nosh get includes Periodic Fawn Charges on toss, new purchases. Time is no grace period on balance Misters or cash advances. We sat your hnnsectons Wb grasps Of Purdases, cash advances. and balance translaa and than homer sat to transactions within each group by theirArvmd Percentage Rate. For example purchases subject to a promotional rate and purchases subped to standard rate would be sepaete groups. We refar to these groups as transaction catego es. At the end of tech biting pored. we oorhpte Periodic Fdvnce Gorges far each day of the billing period for tech transaction cdegory. W! use the fotovang egns4on to compute Periodic for each uaneeclah category. Avasgs Daily Balance x nrnber of days in the binhg period x Daily Periodic Rate. (See tie finance charge summary on you statement for these amounts) Than we std up the Periodic Francs Changes for each transaction category to get the total Petodc Fiance Charges for your Account The average Daly Balance is shown as zem W. because of the grace padod. no Peaodo France Charges appny b the balance in a tamclion category. We use t eAverags Daly Balance (including new transactions) method of calculating the balance upon which we Impose Period Finance Charges. We compute the Average Dally 8elarm for each bauhsaeton category by adding up at one daily bdvncs in a billing period fa a transaction txetepory and dividing the told by the number of days in ft billing cycle. We aompuk the daily balance for each transaction category on each day by fad adding the Wowing to the previous day's daily bslarce, transaction made Oat day, fees charged dab day aid Periodic Fiance Charges sorued on that ray. to transaction is posted to you Account after to dose ode billing period in which it ocaas, we will treat the transaction as having occurred an the first day of the bithmg period in which t is posted to yam Account M fees I are added to the standard purchase trermlion cat y with the e)=pOon o Cash Advance Transition Fee Finance Chagas which are added to the Yansadiar category and Balance Tmasfa Transactate Fla Finance Chagas wfhidh are added to to applicable bdarce imnsfer transaction category. When the spacial new expires, we move to unpaid betake of the balance transfer end the Balance Transfer Tmmse c on Fee Fnawe Chagas to the standemd purchase transition category. However, t ge spa* rein has been enniaa? mast the FelltPl nor ehave ta zip Send unpaid balance of the balance transfer and the Balance Transfer Trensacbon bpeoW rate Fee Finance Chagas in 11% Vocable transaction category For TDD (Telecommunications Osvke for the Deaf) assistance, call 140x347.7449. Discover may mouton arxlkr record telephone cats between you end Discover mpesenatives for quality assurance purposes The Discover' card is issued by Dwovar Barak, Member FDIC. OITSK107 New Balance DISC VER $3,199.10 16 SDSN6A0i 0007450 NATALIA DE LA ROSA 620 BRENTON ST SHIPPENSBURG PA 17257-2114 Go paperless and make your account information more secure with password- pprotected statements any you c? access. Learn more at discoveccorrilpaperless. PO Box 71084 111111111119111 CHARLOTTE NC 28272-1084 Address, email or telephone change? Print change in space Inlrllrrlrnfrllnrlrrlrl1111111111lrrfrrlr?ffr,6rlrrlfit III above, or go to Discover.com, Print your e-mail address to receive important Account information and special offers. 000001986458261760835031991000100000009600 Discover Platinum Card Account Summary Closing (late; February 16, 2007 Page I of I Account number ending in 0,453 Previous Balance $3,219.05 00 100 Payment Due Date March 15, 2007 Payments And Credits . 0 00 Minimum Payment Due $96.00 Purchases . + OD O Credit limit $3,400,00 Cash Advances . + 00 0 Credit Available $200.00 Balance Transfers . + 05 80 Cash Credo limit $1,800.00 Finance Charges . + 199 10 = $3 Cash Credo Available $200.00 New Balance . , You maybe able to avoid Periodic Finance Charges, see the reverse side for details. Co • Opening Caahbock Bonus Balance $ 31.26 shbaclr Bonus New Caahback Bonus This Period ± 0,00 Cashback Bonus Balance Cashback BonusO Anniversary Month: January CONGRATLILATIONSI Your Cashback Bonus(R) Is waiting for you. Visit Discovercord.com or call 1-800AISCOVER (1-800.347.2683) to get your share of America's #1 Cash Rewards Program, 31.26 1 Visit Discover corn to pay your bit tot no test, vrewyour How Can We Help You? latest Account information, earn and redeem rewads and more It's your choice - 3 ways to help 2. Call 1-BOO.DISCOVER (347.2683) for fast, easy selhservice options or to speak with a Customer Service Account Manager Pleose have your Discover Card available. 1 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. TDarans. Post Payments and Credits Feb 15 Feb 15 PAYMENT THANK YOU $ 100.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rote: 0.05477%; corresponding ANNUAL PERCENTAGE RATE: 19.99%. Rode is subject to the terms of the offer including expiration. $N Charge Summary Nominal Transaction Average Da1'ly Daily Periodic ANNUAL PERCENTAGE ANNUAL PERCENTAGE RATES Periodic Cj?E?l?fg w?e Fee F CHARG0 Balances Rates RATES . current billing period: 31 days Purchases $1178.52 0.07942% 28.99% V 28.99% 99% $29.02 03 $51 $0 $0 Cash Advances $207272 0.07942% 28.99% V 28. . The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Minimum Payment Due Account Number ending in 0453 $96,00 Ender Amount Enclosed Below Payment Due Dale $ C? Mw& 15, 2007 Plsa?e make ck to Discover Platinum Car or pay on me iscovercard.com. Imporlant Information. If there is more tmn one' Page fo this bibthg sh ilerrami see ft bade of each page ter additional impatem htlormalcm. See your CudmemberAgreement. Your Cardmamber agreement coreains elf One IS= of your Aoomml. Lost or stolen cards. Report hunedistely! Call I- 347.2883. SUM" Rights Suanmry. In Case of Enos or Ossuots About Your Bill: If you hint; your big is wrong, or A you need more information about a transaction on your bill, write us on a separate sheet of paper at DWo&w. PO Box 30421, Sat take Cky, UT 841304)421. as soon as possible. We muss hear horn you to War than 60 days after we sent you the 111M big on which the error or problem appeared. You can telephone us, ba tiding so will not preserve you n". In your lever. give us the following Infotmatac Your name and Aco00M number The dooai won of the suspected ate about. Describe the error and explain. 4you can, why you believe ttere is an arr. If you need more infdtrre6on, describe the Mm you are unsure You do not have to pay any sammt in quaskon while we are imest9 tug, bbl you are std obligeled to pay the parts of your big dial we not in question. While we investigate your question, we cannot report you as detnqued or take any acdon to cow tte anourrt you questoq. Special Rate la Credit Card Purchases: If you have a problem with the Vality of goods of services that you purchased with a credit cad and you have pied in good faith to corraa the problem with the mashem, you may not have to pay do remeuii g amoumtduo on the goods, or servioea. You have this prmatton only where she purchase price was more men $50 and the parchit" was made in your tome state or will hiR 100 wow; c your mailing address. (if we own or operate to merdnM, or 4 we nW W you the advertisement for the good or services, all the purchase are covered regardless of the amount or baton of the purchase.) Payments. Send ably you payment and the lop portion ad fie stettmtem n the anvebD provided, Oo rot sand cads. By setrding your check as described above, you aumorize us to use nlamu>rmn on your tihedt b melts end etedrapcArnd ttsnsier from yes eocotxdai the 6nsndd natuAiah itdicatsd on you credit a to posers tlhe Qaymaa as a ehedc rarsadon. II the paynreM s processed N an slecbapc hid ranster, ilia renster watt be for ode arsbhaN at the dteck. When we use rdwmaron lronu you crack p shake an alecrontc fund rancher, herds may bs wntlhMawn 1rem youraccant as soon as the same day ere receive you payment. aril you wig not recrsive yea ohedc back tan your fbhandal institution. The processing of your payment moos delayed g you sad cash, correspondence or other items win you payment, t you send do payment b any other address or t you use an ammope oohs than ore one Provided. payments received in proper term at our prooessng lacky by 5PM local &tie on any day will be credited to your Account as of that day. Stream, Dam, PO Box 6103 CarStream, IL 60197-6103. Plocal Iiine *4 lease allow be 10 creffilacl to days for deli delAomM as of this fist ivery If your payment is reiredununp ato" id, we rawrve d the right two resubmit send it a s an am to D' elachonic debit You eon pay you rifinit lam payment or e greater amount over the *kipione; and you tan set up a*mats payments. Cat us at M-34726113. You wil rxred this statement end you bank account in ormaima. You ducal anus That sulideM hands we sradable in your bank account. and all tansechort, must co pttywith U.S. law. You will be asked to provide time firm 5 digis of you acootxd slmamentZIP code. By enternp Those numbers as yet eleotoncsignetue. you vat be agreeing bops authorization to allow us and you bank to ocessin deduct each mum te you awhorae from your aecoaat, and to lisbates debil or curd select an arrout such asmkk?to yow bank s=wrd. as twm Poyme i Due or tux New Balance on each stateroom. You can cancel a payment You rain tell tin the amount of each psymynxm you can se 1-81110.347-2683 or mad at the payment, fhowewrwa must receive rctioa at least teas Dtsinessdays n advance of thesrdtedirled payment. You may n* us by phone at by address limed in me previous paragraph. If your payments; may very in smota we will fell you on each monthly statement when your payment will be made and borer much t will be. You Automatic payment anhoarl may be less than the ndrcaled on the monthly statement based on credits or payments applied ding the billing cycle. Credit Reporting. We may report information abou l your atom" to credit bureehs. Late payments. missed payments, or other deloutls on your acmiril may be retailed in your %a&repm. We normally report the stmus and payment history of you Award to oredit reporting agencies each north. If you believe that our report n? andeAmant number. posse waits us at ohs tatowing address: Dncowc• PO Box 15316, Wdmngton• DE 1SMaI6. Phaseinclude yo r name, address, term telephon a PERIODIC FINANCE CK%U. Periodic Finance Chugs are+rtposed on erg transactions Iran the date the transaction is posted to you Account until me do you pay yes entire Now Balance, by making payments or receiving credits. However, we will provide the foYowrng'grace puoT 0you paid the Now Balance on you pervious bdimg statement by the Paymerd Due Date shown on that statement, and you nay the slew Balance by the Payment Due Date on this statement we *9 not impose Periodic I'mance Charges on new purchases, that is, purchases feat appearing on this statement Ot a vnss• you wig reeaiw a biting slatamenl next mordh get includes Periodic Finance Charges on those now purchases. There is no grace period on balance tansfas or cash advances. We sat your 0ansaclions Vito groups or purchases, cash advances, and btlamoe Iii slars and men further sat the tansactiorn wghin each group by their Annual Percentage Rete. For exam* purchases st*d to a aonrokanai rate and purchases s'bled to standard role would be separate- groups. We refer to these groups as uaiuacbon calagodes. At the end of each bidithg period, we con" Periodic Fnenee Chergas ter each day of the Wing period for each tmnsadoncategory. We use the following equsbon to compute Periodic for each transaction oetegory Avenago Daily Balance x nuanber of days in the WbV period x Deily Periodic Rate. (See the frraroe charge summary, on your statement fa mess amours ) Then we add up the Periods Finance Charges lot each hansagori category to gat the bW Periodic Fine oa nw9ms for your Account The average Daily Balance is shown as zero t, because of the grace period, no Periodic Finance Chnges apply to the balance in a transaction category. We use the Average Daily Mince, (including new tansad ens) metwd of cdatdaont ihre balance upon which we "pose Periodic Finance Charges. We compute the Average Daily Balance fa each transaction category by addnQ up all the daily balances In a bigng period ter a Vansecko i category end dWng ft total by the mamba of days in the hitting cycle. We compute the defy balance lor each ransecton category on each day by fist the following to the previous drys daily balance, ransadans made that clay, fees charged that day and Periodic Finance (ho" accrued on tat day. Nor transaction is posted to your Aocoud after the dose of the bOV period in which it occurs, we wig rest the transaction as having oco emd o n the first day of the bang period in which rt is posted to yourAccount At Account are added to the standard purchase, uarsaGion ceiagelyw itr the exception of Cash Advance Transaction Foe Finance Charges which are added to the roe ransactm category and Balance Transfer Transaction Fea Finance Charges which are added to the applicable bal nce Imaslu ramadion category. When the specie rate noes we may t a unpaid balance of are balance transfer and ft Balance Transfer Transaction Fee Finance Charges to the standard purchase transecbon omagory. However, if the special tale has been Immnaied under the Defeuft Rate Flan, we leave the unpaid balance of the balance transfer and the Balance Transfer TmrnacWn Fee France Charges in One applicable uensection category wN The special rate wow have expired, For TOO (Telecommunications Device for the Deaf) assistance, cat 1.800.347.7441. Discovei may monitor andeor record telephone cab between you and Discover representatives for quality asswence purposes The Dscov a cad is issued by Discover Bank. Member FDIC. OiTBKi07 New Balance Minimum Payment Due Account Number ending in 0453 DISC: 'VER $3,170.85 $87.00 Enter Amount Enclosed Below Payment Due Date $ 1 April 15, 2007 Please make c??k to Discover Platinum Card or pay online Diseovercord.com. 16 SDSNGA01 0007451 Go paperkas and make your account NATAL IA DE LA ROSA Informilon more secure with ptssvnlord- 620 BRENTON ST statements a*youcanacoess. SHIPPENSBURG PA 17257-2114 am more at dlsccvercornlpaperless. PO BOX 71064 {{lirr{lunrrllrllurr{Itl CHARLOTTE NC 28272-1064 Address, e-mail or telephone changey Print change in space 111111111 11111t1111 t111111n1{{{l11tlnl11l11{111111{1111{till above, or go to D'rscover.com. Print your *-mad address to receive important Account information and special offers. 000001986458261760835031708500100000008700 Discover Platinum Card Account Summary Closing Date: March 16, 2007 page 1 of 2 Account number ending in 0453 Previous Balance $3,199.10 Payment Due Date April 15, 2007 Payments And Credits 100.00 Minimum Payment Due $87.00 Purchases + 0.00 Credit limit $3,400.00 Cash Advances + 0.00 Credit Available $229.00 Balance Transfers + 0.00 Cash Credit limit $1,800.00 Finance Charges + 71.75 Cash Credit Available $229.00 New-- Balance $3,170.85 You may be able to avoid Periodic Finance Charges, we the reverse side For details. Cashbook 13onuse Opening Coshbock Bonus Balance $ 31.26 New Cash bock Bonus This Period + 0. Cashback Bonus Balance $ 31.26 Cashback Bonus* Anniversary Month: January How Can We Help You? 1 vise "' pay year f for no cast, "' w ur latest Account ccount Information, earn and redeem rowardsd 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 hewing impaired) see reverse side Solt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. C Payments and Credits Mw 15 Mar 15 PAYMENT THANK YOU $ 100.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rafe: 0.05477%; corresponding ANNUAL PERCENTAGE RATE: 19.99%, Rate is subject to the terms of the offer including expiration. Get the flexibility of a home equity credit line with the certainty of a fixed-rate loanf The new Discover Home Equity Line of Credit is guaranteed never to increase more than 1.50 percentage points over your Initial rate during the first 5 years. Apply online at Discoverhomeloons.com today. MUM Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Dolly Periodic PERCENTAGE PERCEWAr3E FINANI OM&QW lanc Rates RATES RATES t_ _ current billing period: 28 days Purchases $1104.66 0.07942% 28.99% V 28.99% $24.57 $0 Cash Advances $2121.82 0.07942% 28.99% V 28.99% $,4718 $0 The rates that apply to your Account are either fixed (F) or they may vary (Vf as noted above. Manage your account your way - whether you prefer to speak with a live person or manage R on your own, Discover(R) Card as the right account management options for you. Call 1.800-DISCOVER (1.800.347.2683) or visit Discovercard.com Imporlara Irdormallon. gthere is roam than one page to this bft statement, see the back 0l each page fa addGonat irnpobnt 4damatian. See you Cardmember Afire imerd. Your CoMmember agreement contaimss all the terms of your Account. Lost or atolen.aMa. Report iwmedstelyf Call 1-000.3474663. Billing Rights Srumn". In Case of Enors a Questions Abota Your M df you think your billisworg, or ddm ax?ro m ta t first ball separate shoal d paper of Discover. PO Box 30421, Sall Lake City. UT 84130.0421.as sown as pt W*. you on which theeria or problem appea ed. YW am Idcphane us, bra doing so viA not preserve your nghts. In your kilter, give us the fonobler 1h days aflarive3entym the llowing 4damaton: ,'Your ram andAccountmurber The Describe am of and d the explain. suspected q you era can, why you Desabe the the era believe there is an error. H you need more information. describe the item you are unsure oboe, You do riot have to pay any amount In gtrestbn whle we are investigating, but you are stiff obfgeted to pay the parts of your bid that are not in question. While we investgau your queation, we cmmhd report you as deUr@tent or take any actin to noted the smountyou question. S)xelal Rote fa Credit Card Purchases: H you (rave a prabkm w th Tie query dgoods a services that you gmncheh ed with a credit cad and your have vied in good faltr correct s Protection Only on the purchase pneewes mere tfmn the problem wdh tlm mercheM, you may rat taws to pay the rematrmg am urd due m firs goods or novices. You Us have a, your Iwme able a vrtl><h 100 males d yam matkg address, p(weo urn a operole the merclwnt or two mailed you the advertisement for the 550 and ire ptudmse was made good a services, elltlm gxmctmse are awered repay yen d Ana amount a location "'he purchesa.) Payrtmrnb. Send troy Y PeY bP Portion of the slabmeM in Aw emeloP provided. Do thrl serdaslh. By swift year check as described oboe, you authorize us w hhse khbrmatlah on yarn crock to r ro and ahcaorio fend trwsfw from you accauht at t! o k ancal insdution ird clad on yam ch" or to proomilve parient as a check tansactim. q the peymeM s gxoaessed es am ehrtronio khrd treasfer, A e trahsferwdl be (a ms amor M rd the dwcl When we Use rec9M yfrom your check to our check back from my your ln 1, and andel elockanic turd trwnshr, funds maybe sdtfdrewn from your aoceuM as soon as the same day we receive you paymre you vAt not 'IrwOhPoOn. The processing of your Palmnoa nao debyed if you send ash, octraq aid=e or dlmr Rams YAh your payment, H you send the paystrora to any other address of d you use an envelope other tteb the one piovided. Psymema received in popar tam at our processing b* by SPM local fns on, any day wi be credited to yoarAccotatt as of that day. Payments received M our processing facility, after 5PM local ilms wit be aedlied to your Account as d the next t? y.I you miwe reserve splaced Your l FBO ?d it your m y?nt to Discover, PO Box 6103. Car! Streran, tL 601974103. Pleax allow 7-f0 deys for delivery. q your peYme etearartio debt You can psi your rrurwnum Payment or a greater amaaa over to telephone, end you can set up automatic payments. Cal us at 1400.3472063. You will need this statement and wig be yam bank account adurmeaon You must crime that tuti hslids are oval" in you ban* account, all rso saclons =*I tom a with S. l allow us and yam tt pr Mde the hst5 digits of you account statement ZIP code. Byenteri g those rmnrdrers as Your etecronw signakile, you VA be WNW deduct each papent you adhotize from your bards aXWK and to kuTm{e dobil at aedt atnes to your bank ecwuM, as applicable, to cared attar in the processing of such payment. You must *1 us the amo nl death paynteril, or you can select an amount such as K imhan Paymmni Die or the New Balance on each stelemanl. You can cancel a Ihanever we trust rooters rat on nt had dmee bhnaness deya in advance o (ft scheduled papnneol. You my w* us by phone at 1400.347,2863 of by mail et are actress lamed err the ptevbus pare?aPA• H you Paymertu maY vary tih m?ormmt ws av0 tab you on each monAAy statsmar wAen ya ! pamm ir!t will be made and how much it wil be. Yam Avtorr etic peyeneM amount may be less Upon tlhe indrabd on tho nhoMldy sblmeM based on cred is a paymahis applied dung the baling cycle. Crsda RepaUng. We may ripen intotmatioh athaa Yaw account lo aedA bureaus. Leto papyoments, m ss?d peymeras. or other MwA on your exoar may be reflected in your aedk reps!. We oemhely report the ateMn wd paymmM (hsmY d yam Arwoaa to a da850 53 agerh ies each n as , address, hmet out repot is tier and o curet nute, ame gteese write Its at the fotowmg address: Discover, PO Box 15316, tMftminplon, DE 19 318. Please inckde Yotr n, address, home telephone ntanbw and Aaaura number. PERIDDIC FRfANCE CHAGES Pwiodk Finance Chergea ere artposed coal Nansednns fran the date Are trermsaaan is posted io your Account tatB Are date you pay your entire New BalmIra, by rnalug peynmrds a receivkg credits, however, we whg provide gaiobwithp'?ece period' if you paid the New Balance on your pervious bung stetonent by the Payment Due Dale shown on that statemerd, and you pay the clew 13abthoe by this Payment Dha Date an this statement we will not impose Periodic Finance Charges on new purchases, that it purdmses fist appasragat this statement. Otherv mo, you will receive a billing statement next month OW includes Periodic Fnence Chagos on those new purchases. There is no grew period on balance transfers or cash advances. We sort your Vanssctiouhs tae groups of puchoses, cash advances, and balance trarshrs and than further sat tbs tramsecpam wOM each group by theirArxtual Percentage Rate, For example purchases subjad to a promotiamal tab and purchases wbjed to stwhdard late world be sepaate grails. We refer to tmse groups as transaction categories. At the and of each wing period. we compute Puwdlo Film Charges for each day of The tilting period for each transaction category. We use the folbvang equation to ceropute Periodic for each transaction category Average Dally Balance x manbw of days in the baling period x Daily Periodic Rate. (See the finance charge summary on your statement for these amounts.) Then we odd up Ter Periodic Faarme Charges for each lratmectsm category to get the teal Perlodlt: Finance Charges (err your Account. The average Daly Balance is shown as zero t, because of due grace pencd, rho Pe"P. Finance Charges ap* to the balance in a transaction category. We use ft Average Daily! Balance (molding new kensadions) mot hod of celatatng the balance upon which we impose Periodic Fknane Charges, We compute ft Average Daily Balance for each transec o n ca"xy by ad???hpp up et the deity betarwea in a befog period For a uansabon category and dividing ? sby satins abemade t of that in s ha filling cycle. We dornpute tN daily balance for each eanarction ategory on each day by fit* adding the blowing to our previous day daily it occurs. we will treat to transaction drat dry arid Periodic Fkharm Chagas accrued on that day. H a transaction is posted to your Account after die dose of the billing period in which as having occurred on the first day of the billing; period in which k is posted to Your Aauunt. Al fees charged to your Account we added to the sumard purchase samsedia cahgay v44 the excepion of Cash Advance Transadtion Fee Finance Cher" which are added to gw barsadat category and Balance Tmnskr Tra ia?ah Fee Finance Chargesvilk h are added to the applicable balance Imnsfer urimcaon category. When r1gd5 . we move the, unpaid ballarm of the balance km%W and ft Balance TransferTrwhaadion Fee Finance charges to the standard purchase uansadan caegm. However, q the special rate has been wm)tmted under the 0" Rata Plan, we leave the unpaid balance of the balance transfer and to Balance Trans* Transaction Fee Fhr>erm Charges in the applicable tramactoorh category until the special rate would have expired, For TDD (Tafecommuniattom Device for the Deal) assistance, call I- •347.7448. Discover may mmlor andbr raced teepthone wts between you and Discover repreaerdatves for quality aswranoe purposes The DiswW card is issued by Discover Barn k. Member FIX OITBK107 DISC VER Closing Date: NATALIA DE 1A ROSA March 16, 2007 Accourd number ending in 0453 page 2 of 2 Cashback Bonus ° Award Summary Cashback Bonus Anniversary Date; January 16 Balance Previous Cashback Bonus Award Balance $ 31.26 Purchase Award This Period t 0.00 Cas c Bonus Award Total 31.26 Cashback Bonus Award Balance Award Available to Redeem 31.26 $ 20-00 8985507 Restr I*= apply to the Cashback Bonus Pa?notoffers vhil Disco wcom or ca l 1-800-DMWVER (1-800.347-2683) for details. For program detaHs, no the Cashback Bonus program Terms and Con ifions. New Balance Minimum Payment Due Account Number ending in 0453 $3,161.71 DISC VER S94.00 Enter Amount Enclosed Below Payment Due Date $ 1 May IS, 2007 Please make check payable to Discover Platinum Card or pay online 70 Uiscovercard.com. 16 WSNBA01 0007452 account Go m NATAL IA DE LA ROSA s Aa with password- information n more ttlore secure wit 620 BRENTON ST erected statements only you can access. SHIPPENSBURG PA 17257-2114 Learn more at discovercom?paperless. PO BOX 71084 ?1rrrl)nun??r??rart)r1 CHARLOTTE NC 26272-1084 Address, e-mail or telephone changei?Print change in"cc I rsIrIIrrlIt r1r11ur111111nrIIIIrIIII IInIrllIaIIt 1111lilt II above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458261760835031617100088000009400 Discover Platinum Card Account Summary Closing Deft: April 16, 2007 Page 1 of I Account number ending in 0,453 Previous Balance $3,170.85 Payment Due Date May 15, 2007 Payments And Credits 88.00 Minimum Payment Due $94.00 Purchases + 0.00 Credit Limit $3,400.00 Cash Advances + 0.00 Credit Available $238.00 Balance Transfers + 0.00 Cash Credit Limit $1,800.00 t-9 C3 - - + 78,86 Cash Credit Available $238.00 New Balance $3,161.71 You may be able to avoid Periodic Finance Chagos, see the reverse side For details. Cashback Bonuse Opening Cashbock Bonus Balance $ 31.26 New Coshback Bonus This Period + 0.00 Cashback Bonus Balance $ 31.26 Cashback Sonus® Anniversary Month: January CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Diseovercard.com or call I-B00-DISCOVER (1.800-347-2683) to got your share of America's Y7 Cash Rewards Program. How Can We Help You? I Visit tbscowacom to pay your bill for no cost, view your latest Account information, earn and redeem rewards. and more It's your choice - 3 ways to help 2. Cal 1-80001SCOVER (347.2683) for fast; easy self,orvice Please have Discover Cad avaRable. 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 Sub Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Dale Payments and Credits Apr 15 Apr 15 PAYMENT THANK YOU $ •88.00 Boom Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PEWMAGE PERCENTAGE FINANCE FINI Na Boloneas Rates RATES RATES CFIARGES current billing period: 31 days Purchases $1031 13 0.07942% 28.99% V 28.99% $25.38 $0 Cash Advances $2172.11 0.07942% 2899% V 28.99% $53.48 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. lmporWw information. it there is more Oran one pegs to this bi NV stsemad, see the back of each page for additional important doonakon See your Cadmanber Agreernenl Your Cardmerrber agrcement contain a4 the forms of your Account. Log or stolen cards. Report inmedssfyf Cal 1400-347.2583. Bllgng Mrs Summary. in Case of Evers or queafmsAbod Your 6i: 9you ftl;your bill is Wrong, Of N you need more WOMMOm about a trasaclon On your 13A vane us on e preserve Your n+ts• In your tatter, 9? hero fno W thim 60 dlowirg Womuti?on, after we sea you the 6rsl nil lelephone us, but U doing so will not 84130-0421, as soon no possible, We musl bear Invo error a r probiom appearod You Box Can 021, which are Your now and Accordmanber The dollar amouw of Me suspected error Describe the error and explain, it you can. why you believe two is an error. O you need more information, describe Cie ism you are unsure about. You do am have to pay any amount in quealim while we are invastigming. but you are still obligated to pay the pans of your bb Mal are not in question. White we investigate your quema, we cormot report you as delkqugd stake any action to cow tie amotad you quesaoa. Special Rala for Credit lard Purchases: If you have a problem with the gfret4y of goods or services that you purchased with a credit cad and you have tried in good faith to correct on problem with Me morchad, you may not have to pay Os r rarhng emotrd due on the goods or services. You how this prowftn mhywhen the purchase price was mote Man sw and Me pwrdhase was made In your home stab or YAW 100 miss of your tnatig address. (N we own or operate the morchard, or i we mailed you the advertisement for Me good orserwoes, all Me purchase ere covered m0ardosaof Me amount or locatim 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 cook as described above, you auihodze us to use idmnakm on your duck to make and eecumk fend transfer from your amount at the ferehxial inalalion ndoaed on your check or to process the paymnt as a d,a* transaction. N Me payment is processed as an electronic lord transfer. the transfer will be for Me amount of Me dwdL When we use Horrnatm from your duck to make an etedroniciwd Iransfor, funds may be w4Mdrawn from you amount as soon as Me same day ve receive your payment, and you v A not receive your check back horn your financial iruitution. The processing d yourpoyrrwrd maybe ddeyed N you sand cash, eoooespordarce of other gems with yyoourpaymerw N you send gee payment to any olm mess or ityou use an envelope other than gal one provided. Payments feoowod in proper form at our processing tecilly by 5PM local Ina an any day will be wedded to your ACCOU it as of Chet day. Paymetwe received at our processing facility raw 5PM local lift oral be curdled to your Aomum no of Me nart day, N you have misplaced you envelope, send your payment to Discover, PO Box 5103, Cart Steam. IL 00197-6101 Please allow 7-10 days for delivery. N you payment is retumed unpaid, we reserve the right to resubnxt i as an ek+drrricdo w. You urn prey you minimum peynnerw or a greater arnount over the teieplwre, and you can set up aubmatie payments. Cal us at 1.800347268x. You coil need this statement and your baNc account information. You gnat enmas that aulliiaent funds are available in your bank account. W aH aensadorw twat oanply wkh U.S.law. You will be asked to provide the first 5 dots of you etxMaad statement iF code. by onWft those numbers as your electronic sit nawne, you will be ageing to this adhonukon lo slow us and your bank to deduct each payment you authorize from your bank accow, and to irtiale debit or credit entries to your bank ecownt, as appfic", to carer error in the processing of such payment. You must 091 ua tb emmrbt d each payohwnt oryou wnseledan amount such as Minimum Payment Out or the Hew 8rda+ce on each statement. You can cancel a payment hawevet ova natal receive nothoe at IoW tree bhuiheas days n advanced Me schedled peyrtceri.Yalu may trolly us by phone at i-e00-347.26M or by mad at the address frsed n ire p evious peregreph, t you ? e > m arnarw the will tel you on each rnonUwy aalennenI when your peymerw will be made and how much it will be. You Automatic payment ammmt rnry pre free Men C e indcated m the rraMwy atatemad freed m aedls a payments applied during Me biting cycle. Credt tNe may tepont inonratcn ebetR your eCOOWhI b uedn bureaus late paymerrla, rtlased payrwnts, or other defaults on you account may be reflected in your aedt mpa rmaRy mpori Ma stepn and payment Irisary of yobs AcmuM aedA repaing egawias each rrontn. If you beleve go our report is inaccurate or icor"le. please while rrs al die to9owhrrg add ass: pscover, P4 Box 1531-6, Wimkgtm, OE 198505316. Please ndude you nano, address, tame telephone number and Amount number, PERtOD? FINAHCf CHAGES. Perledc linear Chagas ore irrmosed m el transecions from the date the uarsadion Is posted to your AcMA 01 Me data you prey your entire New Balance, by making payments a roceiving rxedis.However, vva coil prov de the loiowug'gmee period If you paid the Nov Balance on your paviovs biting statement by the Payment Due Defo shown on dW stowml. end you pay Me New Balsas by tw Payment Due Date ah this statement we will nol impose Periodic Finance Charges on new purchases, that is, purchases lest appearing on this statement. Othersme, you will receive a bstirg statement next monk that includes Periodic Finance Charges on arose new purchases. There is no grace period on balance transfers or cash advances. We soot yew transactions two groups of purchases. cash advaces, end balance transfers and then further son the trao4ac5orns within each group by MeirAnnual PeroorAW Rate. For example purchases subject to a promotional rate and purdsses subject to standard rate weld be separate groups. We refer to these, groups as tansacim categories. At the and of each biting period. we compute Paiodc Finance Charges for each day of the billing period for each transaction category We use Ire following equakm to omVa Periodic for each tansaction category. Average Daily Balance x number of days in ire billing period x Daly Poriodic Rals. (See One finance charge summary on your statement for these amounts.) Than we add up Me Periodic Finance Charges for each transaction category to get the total Periodic Finance Cherges for your Amount. The average Daily Balance is shown as zero i, because of the grace perod, no Periodic Finance Charges eppy to the balance in a transaction category. We use Me Average Daily Balance (alluding row transactions) method of csoulafm the balance aeon which we impose Periodic Finance Charges. We oompule The Average Daily Balance for each frantacti h category by oddng up al Me daily belences in a biyirg period for a transaction category and dividing Me local by the anther of days in the billing cycle, We compute the deilyr bakerm for each toasadien category on each day by first adding the following to the previous clojs daily balance. transactions made Met day, fees changed your Amml ater the dose of Me billing period n wtkh h ooaxs, we will Veal Mo transaction that day and Perode Finance Charges accrued on Mal d which Ok b Account. as having occ rred on the fast day of Me billing period ri t Al We charged to Account we added to the standard purchase transaction category with the s ceptonn of Cash Advance Transaction Fee Fhv= Charges which am added in ire transaction caw" and Baia Transfer Trawadw Fee Finance Charges which ore added to the applicable balance transfer transaction category. XLVIXWR?W W we turns the unpaid bola os ol l he balance transfer and Me Balance Trawler Transaction Fee Finance Chages to the standard purdase easacbon hen category. However, N do special rate has been terndnated urder is Defeat Rae Plan, we leave Me unpaid balance of Me balance transfer and the Balance Transfer Transaction Fee Finance Charges in Me appkcable transaction category urd the special rate would have expired. For TDD (Tekcommuritutons Device for Me Deal) assistance, call 1400347-7449. Discover may monitor andbr record eephme cells between you and Discover representatives for Que iy assurance purposes The Dwooy p1 cad is spied by Discover Bank, Member FDIC. OITBKI07 New Balance DISCOVER $3,142.76 16 SM6A01 DD07453 NATALIA DE LA ROSA 620 BRENTON ST SHIPPENSBURS PA 17257-2114 Minimum Paymerd Due $92.00 Account Number ending in 0453 Enter Amount Enclosed Below Payment Due Dole June 15, 2007 $ Please o check payable to Discover Card or pay on me 4 Discovercard.com. Go paperless and make your account Information more Secure .9 password- protected statements only you Can access. Learn more at cBscovecconv*perless. PO BOX 71084 Illtrgill ttttlltllr,tsllti CHARLOTTE NC 28272-1084 Address, e-mail or telephone ehangei Print change in space )nrlnl?ulunlt)?un)ulelnnl)llnulultriu??ulaln)rlnl? above, or go to Discover.com. Print your email address to receive important Account information and special offers. 000001986458261760835031427600095000009200 Discover More Card Account Summary Closing Date: May 16, 2007 Page 1 of 1 Account number ending in 0453 Previous Balance $3,161.71 Payment Due We June 15, 2007 Payments And Credits 95.00 0 00 Minimum Payment Due $92.00 Purchases . + 0 00 Credit Um it $3,400.00 Cash Advances . + Credit Avoilable $257.00 Balance Transfers + 0.00 Cash Credit Limit $1,800.00 Finance Charges + 76.05 76 142 = $3 Cash Credit Available $257.00 Now Balance . , You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bantle Opening Cashback Bonus Balance New Coshback Bonus This Period $ 31.26 + 11 Cashba& Bonus Balance $ 31.26 Cashbock Bonus* Anniversary Month; January CONGRATUTATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discovercord.com or call 1.800-DISCOVER (1.800.347-2683) to get your share of America's #1 Cash Rewords Program. How Can We Help You? i Visit Dlscever.com ro pay year 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 1.600-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. Pass Dab Date Payments and Credits May 15 May 15 PAYMENT THANK YOU $ .95.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Pale: 0.05477%; corresponding ANNUAL PERCENTAGE RATE: 19.99%. Role Is subject to the terms of the offer including expiration. SIN Charge Summary Nominal Transaction Dally 9e pp Pori odic ANNUAL PERCENTAGE ANNUAL PERCENTAGE Periodic FINANCE Fee FINANC dances Rates RATES RATES CHARGES C current billing period: 30 days Purchases $966.71 0.07942% 28.99% V 28.99% $23.03 $0 Cash Advances $2225.34 0,07942% 28.99% V 28.99% $53.02 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. Your Discover(R) Card has you covered with Complete Fraud Protection for your peace of mind. Our advanced fraud warnings mean you'll know right away should any suspicious activity occur An If your card is lost or stolen, you have $0 fraud liability guarantee-you're not responsible for any fraudulent charges, Important information. It there is more than one page to this billing statemen4 see the back or each Page fa 11"bonat important inf-lion. See your Cantmernber Agreament. Your Cardrnember agreement oertakx as to forms of your Account. Lost or stokn cant. Report immedstelyt Cast i-800.347426B1 Bolling Rtphts Summery: in Case of Eros or Ounwis About Your Us If yyoauu dank You bill ib wrarg, o if you need more inferirudai about a transaction on your bill, write us on a seperaro sheet of paper at Discover. PO Box 30121. Sall Lake City. UT84130.0421, as soon as possible. We must host Ram you no later dun 60 days after we sent you the first bill on which the error or problem appeared. You can Wephone us, but doing so vii not preserve your tots, In your Met. give us the following infamsfon: Your tome said Account somber The dear amohrt of Rho suspected errs • Describe the after and explain, t you can. why you befeve there is an eta. If you rued more information, describe the item you are unsure about. You do not have to pay any amowd in question whale we are invesfgeang, lwl you are sill obligated to pay the pads of you bill that are not in Weston. Moo we krresftgate your question, we cannot report you as delinquent or take any action to tolled he amrtyor question. Spaelal Rate la Cm itch t and Purctaaes: N you have a tueUlem with Val of goods a sehvroes But you purchased with a aerkt card and you have, bled in good feiUr to corned the problem with the merdherht, you may not have b pay to ranarnmg arnwnt due on the goods ccurervicas. You have this protection only When the pwdhase price was snore bun i50 std he pwduesa was made b your home state a vYdMh 100 mks of you maakg address. (N vrs own o oparak the merchant, or ff wit maned you the advertisement for the goal a setwoes, est rie purdtase are ooveaed reperdess of 8x amount a 7ofth rothe in etop By sx dn9 Your check as described above, You and size us VanefIs uraht et sire rnandet ksGUhtiolh ifdicat"I an your dieck or to process the payment as a clhem uansactgrh. N the peyrnerfl s processed as en electronic fwd transfer, the ttenvskrwi be br the amoat of to ckectc. When we use adorm ilon from your shook to make an ekokonie fund trernster, buds may ha vvithdravm from yew acwum as soon as d,e same coy we rece'we yarn paymen, and you will not receive your check back front your finenaal insgaaion. The processing of your payment maybe delayed t you sand cash. carespmrknce or other flans valh yaw payment, it you send the paymet m anyother address or t you use an envelope odor tun the one provided. Payments receroed in proper lam etas processing iakSity by 5PM boat Who on any day will be cradled to yaw Armtmt as of that day. Payments received at our processing fedky six 5PM local time va] be credited to yourAccawt as of the next day. N you love misplaced your envelope, send your payment to Discover, PO Bea 6103, Card Stream. IL 691976103. Please slow 7-10 days for delivery. If your payment is returned unpaid, we reserve the ngM to vesubnat it as on ek4mcdelal. You can pay yaw minit" paymerd or a greater amount over the tawphone, std you can sal UP sulour k Is, Coo us at 1800.3472683. You YA and this staremem and your bank account info melon. You mug whit re cut nfilim A force we avakbb in your bank account, ad transections mhat Comply wth U.S. law, You will be asked to provide OR first 5 ftb of you accost statement ZIP cods. By antaig those numbers as your abotork signature. you vA be agreeing to this surtwmatim to allow us and you bank to "of each payment you nchatize from your bank account, and to initiate da6a or acct entries b your bank socotanl as appl cable, to correct errs in the processing of such payment Yen must k8 us to anhohrt of each payrtamt, or you con sefed an arnount such as Minimum payment Due or the Now Balance on each statement You con cancel a Psyment.twwrtaarwehrashrote v? rhotroa n leesl thse buskhess dogs lei edvahvice of tie sdsadted psymert- You they rally to by phoe at 1-800.747.2683 or by mat at the address IsNd in the prawws patepreph. N yew payments may varyn entohastwe tall k8 you on each nnatltjt atalement when your payment will be made and how much h wit be. Vow Aatorrrafc peynem a vwhmt maY be less Ihon to ir?ceted on the motdty statement based on aodds a payments applied during tae bdtng cycle, CrecNlRepoNhg.WomaYreponhlaraetionffioadyowaccouratoaad[bureaars.loepaymats, ciese?ad+ntorMIf you other believethatourreportisinuateeorinoomplyee . . aedk report. We smelly report the aretus and paynnert hsbry d You Aaewstb aeda pre orD'ng Y please wrke user dht holbwm+A addeas:Otscover, PO Box 15316, tN'knifgton, DE 1 16. Please imClrttle yew name, address, home telephone number and Account number. PERfODiC ffNANCE CNAGES. Pariod a France Charges are mposed an a8 tiarsediats from the dote tha trarsaclion is posted to your Account until the date you pay your entire New Belem, by raking paymote of receiving credits. H nvewe, via wd! provide she tetewlfg "gr>ce pefbd N yea paid die New Sabra on you pervious wing statement by the Payment Due Date s howti on gel statemet, and you pay the flea 8elehce by the Payment Duo Disk on this statement we wR roil impose Parodic Finance Charges on new purchases tut is grduses arst apPe aim on phis stelomen1, Othanwne, you will receive a billing statement next mush theft includes PeWiic Finance Charges on those now purchases Ttwha is ro WapB pitied on balarne transfers or cash advances. We son you banasolions Ct0 groups of purchases, cash advances, and belerm traafers and tun further sat this transactions within each group by their Annual Percentage Rate. Fa exenhAe purchases subject to a promotional rate end purchases subject to standard rate WOW be separate groups. We refer to these groups as transeCkn calories. At the end of each b&q period, we com puts Petiodic Finance Charges for each day of the billing period for each transwim category We use he following equation to compute Periodic to each f ealegay. Average Dada Sabra x n x Defy Periodic Rate. See the fnanee charge summary on your steumem for too amounts; .) Then Then we Ch umber of drys in tie bft gated we add tip the periodic Finance, ce Charges to each transaction ca celif tegory fob lateIlrePeriodic nsecken m Charges for your Account The average Daily Balance is shown as Zero it, because of the grace period, no Periodic Fineno& Charges apply category. We use the Average Daly Bala?n?c?e?efva?ketuding new transactions) method of calculating the balance uPoo which we knpee9 periodic Finance Charges We eomhpule the Average Drily Balance for each tra section category by addling tip of the deny, balances in a billing period for a transaction category and dividing Off, tote) by the number of days in the thiNng cycle. We oomifub the, dady balance for such ksnsatton category on each day by first adding the ktovang to the previous day's daily balance, trarsaetias made that day, lees charged that day and Periodic Fitem, Charges accrued on hot day 0a transaction is posted to your Aocou it after rho dose of the billing period in which it occurs, we will treat du vansedion as having occurred on the lest day of pre billing period in winch 0 is posted to YowAceoant All f Account. are added to the standard purchase transaction category with the exception of Cash Advance Trensacfon Fee Finenoe Charges which we added to . ire transaction calls" and Balahce Transfer Transecom Fee Finites ChargeSwladn are stilled to the applicable balance transfer transaction Category When the special raw expires we move the unpaid belam of the baancece transferahd the Balance Transfer Traroedion Fee Fnence Charges to the starndad purchase transection care". However, t the special rate has been termkuled under One DoWA Rate Fish, we leave to unpaid balance of the balance transfer and the Belem Transfer TrensacFon Fee FinaPahce Chares in ft applicable transactor category until the special tale would have expired. For TDD (Takcomnwtteatons Device for the feat} assistance, call 149D•34?-7449. Discover may morator arch record telephone atilt berween you and Discover representatives for quality assurance Purposes The Discover' card is issued by Discover Bank. Member FDIC, 0178KI07 New Balance DISC; VER $3,260.06 16 SDSN6A4t 0007454 NATALIA DE LA ROSA 620 BRENTON ST SHIPPENSBURG PA 17257-2114 Minimum Payment Due Account Number ending in 0453 $186,00 Enter Amount Enclosed Below Payment Due Date $ July 15, 2007 Please make check gay461e as Discover Card. ue rneludes a past due Minimum OZ. amount of $ Go paperkasa and snake your account intormatlon more secure with password p otected statements only you can access. l eam more at discovercorNpaperiess. PO BOX 71084 {{{u1{{rrrrrr{{r{{rar{{r{ CHARLOTTE HC 28272-1084 Address, e-mail or telephone change? Prim change in space (u{r{{n{rn{rl{ru{ulr{nr{{{{nr{arlra{u{{rrlrr{rr{rlrr{{ above, or go to Discover.com, Print your e-mail address to receive important Account Information and special offers. 000001986458261760835032600600000000018600 Discover More Card Account Summary Closing Data: June 16, 2007 page 1 of 1 Account number ending in 0453 Previous Balance $3,142.76 Payment Due Date July 13, 2007 Payments And Credits 0.00 39 00 Minimum Payment Due $186,00 Purchases , + 00 0 Credit Limit $3,400.00 Cash Advances . + 0 00 Credit Available $139.00 Balance Transfers . + 30 78 Cash Credit Limit $1,800.00 rmana Chu !" - a . + 06 260 = 3 Cash Credit Available $139.00 ance New , , You may be able to avoid Periodic Finance Charges, we the reverse side for details. 1.26 Cashback BonuSe Opening Cashbock Bonus Balance $ 30 26 New Coshback Bonus This Period Cashback Bonus Balance $ 31.26 Cashback Bonvs® Anniversary Month: January How Can We Help You? ' Visit D1sO?^"t InforomO pay yo%w bill and "eL V1OW your latest Account Information, &a aam a and redeem m r rewards and more it's your choice - 3 ways to help 2. Call 1-8004D1SCOVER (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 Sot Lol s City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Dolo Post Date 01her/Mirosllaneeus Jun 16 Jun 16 LATE FEE $ 39.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.07942%, corresponding ANNUAL PERCENTAGE RATE: 28.99%. Rate is subject to the terms of the offer including expiration. • " ATTENTION ` •' Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. #WwW Charge Summary Average Daily Balances Doily Periodic Rates ???? AAINUco? PERCENTAGE RATES ANNUAL PERGEN?AGE RATES Pori f3m1 cE CHARGES actian Fee RNANCE amens current billing period: 31 days Purchases $900.61 Cash Advances $2279.89 0.07942% 0.07942% 28.999'. V 28.99% V 28.99% 28.99% $22.17 $56.13 $0 $0 The rates that apply to your Account am either fixed (F) or they may vary (V) as noted above, Imporfaht kdormalion. ttnere is mae hart one page to tus bdmg slatemard, see ft back of each page for additional importaM'inbraetion. See your Ca&nember Agreement. You Cadmlemberagmeraem oonteins at he terms olyorr Account. Lost or sto$ m cards. Report wmmemiistelyl Cat 1600347-2663. Biting R;ob Sw ortary. W Cese at Errors or 13uestiom Abot Yoe N.. If you think your bill is wrong, a t you need more intaraAai about a transeddion on yourbill, write us on a separaro sheaf d pepar aI Discover. PO Box 300, Sal Lake City, UT 641300421, as soon as possible. We must bear from you no Wren bah 60 days aler we amt you the last b# on which the errs or problem appeared. You can telephone us. fakrt doing so will not preserve your rights. In your hater, give us the foBowng Information: Your now andAcco t number The dollar amount of on suspected act Desonbe he am and axon. if you can, why you believe there is an enrol If you need more intonnelion, desaibe the item you ate unsure about. You do rrd have lo pay any emourtl in queafun whte we as i v460gating. bul you are all obkgeted b pay he parts of yowba that are not in question. While we huresligale you question, we cannot report you as delinquent or take any action to collect the amount you question Spacial Raw to Credit Cud Purchases: t you have a problem with the quaky, of goods or services 0hatyou purchased with a credit card and you have tied in good faith to oohed the problem with the Ilmerdanl, you may not have Io pay he MANrAg amount due on tuegads or services. You have this protection o*Whon to purchase price was roam than SW end?dafe was made in you home %W e or whim 100 mites olyour melt address. (Uwe own or operate the mescard, or Owe meted you Ore adveftememi for the good or , al the purchase are covered regadIess of the amount or bcation of the purchase.) Payaarda. Send onty PBY wP (ottron d the netement W the errvalop povided. Do not aarW cash. By sandng your dame as described abwe, you adarae us b uw iltamraeon on yaw tdwck b make and dacsadc lend raster from your account el the lnarrcel InstkrOon idicated on you check a to process he payment es a check tralsacton. 6 the peynteM a (rocesaed,as an elechohuc kcal haste, the trMSer roil M bathe amotrmt dthe crock, When we has sdomatiolt lomh yea' check to tnalke en ekdronb dud Oansfer, foods hey be vathdrawm from you aaanl es soon ms the sane day we receive you payment, and you will rot reoalve your check back from your financial irstihrion. The processing of you payment maybe delayed 6you send cash, conespondaKe or other items with you psymerd, if you send the payment 0 any other atkffess or t you use an envelope other than he one promed. Payments mo ived in proper form at our processing lodkyby 5PM local time an any daywN be wedded toyourAcoant as of that day. payments received at our Processing facuily, ate 5PM local time w id be credled toyour Acaormt as of On next day, It you have misplaced your envelope, seat your payment m !)itcaver, PO Box 6103, Cad Srreem. IL 60197$103. Please allow 7-10 days to delivery. If you payment is m n ed upaki, we reserve the rhght to resubmh d as an akedrauc debt. You can pay your minimum payment or a greater amount over he telephone, and you can set up automatic payments. Coil us at Iao0m72663, You Writ need tits statement and you bents account intanWboh. You rmO mown that sufficient funds are avelibe In your dank aaornt, end all beraeckms must conmply with U.S.law. You will be asked to provido the first 5 digits of you account statement ZIP code. ByenhoM time numbers as your deciraw sigraua you will be agreeing b his suhonzatdon to allow us and your bank to deduct each payment you auhorize from yea bark. wcotad, and io m0aw debit of credit entries to you beds aaooud, as applicable, to correct ernoriu to processing of such payment. You must tell us he s mount of each payment. or you can seed an w ountsuch as Wiliam Payment Oue or the New Balance on each sWWment. You can cancel a payment however we most receive nolde at fast three business days in advance of to sdredded peymerd. You may notify us by phone at 1M4347. M or by mil al the address listed in the previous paragraph: 9your puaymenls may very in amount we will W1 you on each mon" statement when you payment will be made and how much R wit be. You Autanadc payment amount may be less then the indicated on the monthly statement based on credits or payments applied during ha billing cycle. Credit ReporOrg. We may report Information about your account b aedt bureaus. Late payments, trussed payments, or other delemtle on you aaoount may be re6eded in you credit repot We normally report he sWasand payment Isalory dyour Account to nedd reporting agahpes each marih. It you bob" hat our report is Inaccurate or incomplete, please write us at he following address: Deaver, PO Fyx 15316. Wilmington, DE 19SH- 316, Please irtMe yax name, address, home telephone manber and Account number. PERIODIC FINANCE CNAGES. periodic. Fiance a am imposed on d transactions from the date the transaction is posted to yourAowunt until to date you pay your enure New Balance, by making payments or receiving credits. However. we will provide to folowiii `grace period' 11 you paid the New Balance on you par ms billing slawment by the Payment Due Data shown on hat aatenmt and you pay the New Bdanx by the payment Out OW on this statement we will not imi=e Perbdc France Cywrgea on new purchases, that is. puchases lost appearing on this statement Otherwise, you will receive a bdig statement excel month that includes Periodic Finance Charges on these now pudeses. There is no grace period on balance transfers or cash advances. We sort you transactions its groups d purchases, cash advances, and balance senators and then futersai the vamadions wBan each group by tai Annual Percentage, Rae. For example padhases subject * a promotional We and pucases su*c1: to standard rate would be separate groups, We refer to terse groups as transaction categories. At the end leach biting period. we compute Periodic Finance Charges for each day of ft Willing period for each uansaGbn cetegory. We use he fe WNV equation to oompuw Periodic for each transaction category, Average Deily Balance x number d days in the blflmg period x Daly Ponodc Raw. (See the Inane large summary on your atawRarl for these amounts.) Than we add up the Periodic Fmorm Charges breach transaction eeegay to get the loal Periodic Finance Barges for you Account The average Daly Balahoe is shown as zero it beams of he grace period, no Periodic Finance Charges apply to do balance in a lasedion category. We use the Averne Daily Below (ocludng new transedio s) method of calWlafehy the balance upon which we impose periodic Finance Charges. We compute the Average Daily Balance fro each tra tycoon category by sdlBnt) tip al the daily balances in a biting period for a trammel m category and dwidtrg the toned by the number of days in the bill" cycle. We corrpule the daily balance for each transaction category on each day by flat adding the folbwiq to to Previous days daily balance, sanead ion made that day, fees carped that day and Periods Finance Charges accrued on that clay. I a transaction is posted to you Account eta the dose of the tAkV period in which it occurs, we will treat the transaction as having occurred on to first day of the billing period in which d is posted to yaeM.aunt. All Was le Award ere added to to standard purdase sasedim ce$giorywih he exception of Cash Advance Transaction Fee Finance Charges which we added to . #0 Ike trasedon category and Balance Transfer 7rrusacton fee Fiance Charles which are added to to applicable balance sansta transaction caegory When spec al raw expires, we move the upend balance of to balance Imnsler and he'Balorce Trawler Tancactcm Fee Finance Charges to to standard punchase sansaction category However, t to special rate has been terminated under the afauk Raw Plan, we wave the unpaid balance of the balance transfer and the Balance Tnersler Trensadan Fee Finance Chagas in he appiombhe sar section category urd die special rate would have expired. For TDID (Telaommu Icatbm Dmgce for the deal) assistance, cat 14MU7.7449. Discover may monitor endla reoad telephone ca fsbetween you and Discover representatives for quadity assurance purposes The D'smvee card is issued by Discover Bank, Member FDA. 011BK107 New Balance DISCr °VER $3,03534 $6 SOSNPal 0007455 NATALIA DE LA ROSA 620 BRENTON ST SHIPPENSBURS PA 17257-2114 Minimum Payment Due 0453 Account ending $91.00 Belo ter Amount Enclosed En Payment Due Dale $ 7 August 15, 2007 Please poke check payable to Discover Cord or pay ontme a Discovercard.com. Go paperless and make your wcou nt information more secure with password- protected statemer>ts only you can aooess. Leam more at discovercomiPaperiess. PO BOX 71084 111111111 suiihlitatell rl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space )rr),)in)nr1s1)us)a(plot )))irrr)n)u)nAh 11111 11 1111111 above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 00000198645826176083503035840020000000910D Discover More Card Account Summary Closing Date: July 16, 2007 Page , of , Account number ending in 2007 5 Previous Balance PaYmenu And Credits $3,260.06 300.00 Payment Due Date , August 1 Purchases + 0.00 Minimum Payment Due $91.00 ,000 00 $3 Cash Advances + 0.00 Credit limit Credit Available - , $364.00 Balance Transfers 0,00 + 78 75 Cash Credit Limit $1,800.00 Finance Charges New Balance , + - $3,035.84 Cash Credit Available $364.00 You may be able to avoid Periodic Finance Charges, see the reverse side for details, Opening Cashback Bonus Balance $ 31.26 caslibmic Bonuse New Cashback Bonus This Period + 0• Cashback Bonus Balance $ 31.26 Cashback-Bonvs® Anniversary Month: January CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discovercard.com or call 1.800-DISCOVER (1.800.347-26831 to get your share of America's # t Cash Rewards Program, How Can We Help You? I Visit Discwvr corn to pay yaw bill for no test, view r latest Account information, earn and redeem rewards and more (try your choice - 3 ways to help 2. Call 1.8004ASCOVER (347.2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Cord available. 3. Write us at Discover Card, PO Box 30943, For TDD jossistance for hearing impaired) see reverse side SaR Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Tats'Data Date Payments and Credits Jun 20 Jun 20 PAYMENT THANK YOU $ 100.00 Jul 13 Jul 13 PAYMENT THANK YOU •200.00 Finance Charge Summary ?5?496 offer for current billing period: Daily Periodic Rate: 0,05477%; corresponding ANNUAL PERCENTAGE ?%/, Rate is subject to the terms of the offer including expiration. Nominal Transaction ANNUAL ANNUAL Periodic Fee Daaiily? Daily dic PERCENTAGE PERCENTAGE FIf14 ?E CHARGES MANCE 914D Ratea RATES RATES Sd]! current billing period: 30 days Purchases $844,49 0.079429 28.99% V 28.99% $20.13 $0 Cash Advances $2335,76 0.07942% 28.99% V 28.99% $55.65 $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 60 account management options for you. Visit Discovercord.com or call 1.800-DISCOVER (I-800.347.2683). Important Information. K there is more than one page to this bang statement, we the beak of each page for additanal important k4camatinn. an your CudmemberAgreement. Your Cordmember agreement contains at the Isms d your Amount. Lost or stolen cards. Report imnediesely! Cad 1800.347.2681 Sling R04 Summary, in Case of Errors or DuesAOria About Your Bp: N you 0A you bid is wrone or it you creed more knotmatim about a transaction on your bd. write us on a sopeate sheet of paper at Discover. PO Box 30421, Soft Lake City , UT ()41304421, as soon as possible. We turret heat from you no later than 60 days after we sent you he for trill on Which the araar problem Appasred. You can telaphrone us, but doing so will not preserve your rights. In you latter. give us the following intonation: Your name andAcmuot mrmber The ddbr amount of the suspected error Describe he enor and eom N you can. why you believe there is an error. 9you need more information, desrnbe to item you are unsure about. You cb not have to pay any amount in question while we are inves igetirg, but you we ship oblgated to pay the parrs of your bid that are not ph question. Whits we investigate you quastion, we cannot report you as defincitient or talte any action to calved he ani u t you question. Special Ride for Credh Crud Purehasea: N you have a problem with the quality of goods or services Orel you purchased with a credit card and you have vied in good faith to correct the problem with the merchant. you may not have to pay to remaining amount due on to goods or seines, You have t is prokd'an only anaa the purchase price was more then 550 and to purchase was made in you home slate or within 100 miles of your mai ng address. (If we own or operate the mrrchant, of if we malted you the adverasemett lot the, good or servixs, all Ohe purchase are coveted regardless of the amount or incaidn of the purchase.) N end vatefe, Qxnds may bswllhdrawn team your eaourt as soar as hhe ante day won receive yaw payment, and you wit not receive you rc ell back nom yaw finarrial instihlion The p iocessi g of you payment maybe delayed it you. send cash,carcespondence or oho items with your payment, t you sand the payment to any oher address or if you use an envelope other that Ore one provided. Payments received in Qro* loan or our processing rocky by 5PM local time on any day YA be credited to youtAcmW i'i 0f(hat day. Payments received at our processing fediy after SPM local time will be credited to you Acmum as of %a next day. If you have misplaced your envelope, send you payment to Discover, PO Bar 6103, Cant Stream, It 60187-6103, Ploese allow 7-10 days for delivery. N your payment is returned unpaid, we reserve the right to resubmit it as an electronic deba. You can pay you minimum payment or e greater amount overOa telephone, and you can set up automatic payments Cad us at 1800.3472683. You will need this statement and your prank amount information. You mustens is gal suRdam finds are evadable in your bank amount. and all transactions must minpiy, with U.S. paw, You will be asked to provide the first 5 dgils d you Isomw stavemerALP code. By entering Oase mmbers as your eleatrore6 signature. you will be agreeing to this authorization to stow us and your bank to deduct each payment you authorize from your be* amount, and to Who daby or astir envies to your bank amount, as applicable, to corred error in to proceserg of such payment. You tmum tell us the smart of each psy nits t. or you can select an amount such as Mlnmwn Payment Due or the New Balance on each statement You can cancel a payment. however vie anwa necam notice at W lives business days in advance of the scheduled paymrerd. You may raOfy us by phone at 1800.347.2683 or by mad at the address listed in he previous paragraph. N your payments may my in amouril we will pet you on each mong* statement when your payment will be made and taw much it will be. Your hiss a6c payer amount may be less hen tie indicated on the monthly statement based on credits or payments applied durng the Ukngcycle. Credit Rtpwg g. We may report inbrmsi about your account to ore& bureaus. Lae payments, missed payments, or other defatills an your swan may be reflected in your credit report. We remedy, report the status and partners istory of your Amount to credit reporting agencies each month. N you believe that our report is inaccurate or Incomplete. please write us at the IaOowing Address: Discover. PO Box 15316. Wiikmi gtom DE 19063% Plesse include you none, address, home tetap> lone amber and Account number. PERKHM FONCE CHACsES, Periodic Finance Charges are Imposed on as transaction from 0e date the transaction is pasted to your Accotrd untl One date you pay your entire New Balance, by making pteyatente or receiving credits. However, we will provide to following ..grace perked' N you paid rho New Bounce on you pervious billing statement by the Paymet Due Date shown an that statement and you pay tae New Balance by the Payment Due Date on this statement we will not impose Petadic France Charges on new purchases, that is. purchases first appearing on this statement Olrwrwxe, you will receive a biting aatemenl next month that includes Periods; Finance Charges on (hose new purchases. There is no grans period on balance vanslers or cash advances. We son you transactions into props of purchases, cash advances, oral balance vesfes and ten lurthar son the batKacfrNts within each group by their Annual Percentage Rate. Fa example purchases subject b a prorn0404e1 rate and pwrdasasw6iect to standard rate would be separate groups. We refer to these groups as transaction calegomes. At the end death billing period, we mmpiwe Peho& Finance Charges for each day of he billing period for each transaction category We use he following equation to compute Periafic for each vossaclim Cete9ay. Average Deily Balance x mxnber of days in ft bdlatg period x Dairy Periodic Rare. (See the fna oe large summary on your statementl for these anawns.) Then we end up the Periodic Finance Charges for each frarantan allegory to get Ore Val Periodic Finance Charges rut vow Account The a wage Davy Balance is shown as zero J. because d the grace penod, no Periodic Finance Charges apply to he balance in a vansedan category. We use the Average Daly Bolmor (including now transact an) method of calculating the balance upon which we impose Periodic Finance Gorges. We compute the Average Daly Balance for each transectim category by adding up at to dairy batanees in a tiding perod for a transaction ealego y and d riding he trial by the number of days in the biting cycle. We compute the daily balance lor each trame:tion category on each day by fret adding to following b ft=day daisy balance. Iransedions made that day, lees charged that day acrd Periodic Finance Charges muted on ha day. Its transaction is posted to yorAmounl ater of to billing psnod in which it occurs, we will treat the transaction ea havirgoccured on to lust day of he biting period in which it is Posted to your Account. At s ch Account are added to the standard pwdtese transaction category with the exception of Cash Advance Transaction Fee Fwaaa Charges which are added to he ante lism acYah category and Balance Transfer Trorsaaticn Fee France Chagos which am added to he applicable balance transfer transaction category When rase -Wes. we move he unpaid balance of tuts balance transfer and he Balance Transfer Transecuotr Fee Finane Charges to the standard pudhase transaction calegay However, N One special rate has been terminated uaia the Default Rata Pfaff, we leave the unpaid balance of the balance transfer and this Balance Transfer Transaction feo F" Charges into applicable transaction category uM the special rare would have expired For TDD (Telecommunications Device fm the Dean assistance, call 1-00.347.7/401. Discover may monitor ondWr record reeplane calls between you and Discover representatives for quality essuance purposes The Discovers card is issued by Discover Bank, Member FDIC. 01TBK107 New Balance DISC! VER $3,011.33 16 SDSN6A01 0007456 NATALIA DE LA ROSA 620 BRENTON ST SNIPPENSBURG PA 17257-2114 Minimum Payment Due Account Number ending in 0453 $91.00 Enter Amount Enclosed Below Payment Due Data $ September 15, 2007 Please make check payable to Discover Card or pay online 0 Discovercctrd.eom. Go paperl es , and make your account Inibrmstlon more secure with password- protected statements only you can soeess. Learn more at discover corNpeperless. PO BOX 71084 lllsnlluuesllallnullal CHARLOTTE NC 28272-1084 Address, "ail orto6phone change? Print change in span ?rrlrllrrirr,?rl?sn?ultIrrtlllln1111its I tfill 1411111dtrI I above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458261760835030113300100000009100 Discover More Card Account Summary Closing Date: August 16, 2007 page 1 of 1 Account number ending in 0453 Previous Balance $3,035.84 Payment Due Date September 15, 2007 Payments And Credits 100.00 Minimum Payment Due $91,00 Purchases + 0.00 Credit Limit $3,400.00 Cash Advances + 0.00 Credit Available $386.00 Balance Transfers + 0.00 Cash Credit Limit $1,800.00 Finance charges + 75.49 Cash Credit Available $388A0 New Balance a $3,011.33 You may be able to ovoid Periodic Finance Charges, see the reverse side for details. Cwhback Bonuse Opening Cashbock Bonus Balance $ 31.26 New Cashback Bonus This Period + 0.00 Coshbock Bonus Balance $ 31.26 Cashbock BonaaS Anniversary Month: January CONGRATULATIONSI Your Cashbock Bonus(R) is waiting for you. Visit Discovercord.com or call 1.8004aSCOVER (1-800347.2683) to get your share of America's #1 Cash Rewards Program. How Can We Help You? I Visit Discover com to pay your bill for cost, view your latest Account informoton, earn and redeem rewards and more it's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service Please have Discover Card avaikrble. 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 Sob take City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. uw Date Payments and Credits Aug 15 Aug 15 PAYMENT THANK YOU $ 100.00 Finance Charge Summary slier offer for current billing period: Daily Periodic Rate: 0.05477%; corresponding ANNUAL PERCENTAGE N1ZY%. Rate is subject to the terms of the offer including expiration. T Nominal Transadion Average Daily ANNUAL ANNUAL Periodic F Doily Periodic PERCENFAGE PERCENNTAGE FINANCE Bolances Rates RA ES RATES afARGES . . current billing period; 31 days Purchases $672.82 0.07942% 28.99% V 28.99% $16.57 $0 Cash Advances $2393.01 0.07942% 28.99% V 28.99% $58,92 $0 The rates that apply to your Account are either fixed f) or they may vary M as noted above. Monaga your budget, track your spending and ovoid fees with FREE timelye-rnatl reminders. Learn more about e-mail reminders and other easy online account management options at Discovarcord.com/reminders lrnnporlaM lydartnation. Ifinee is more than one page to tltisbdar6 slatansM, see he back of and page fa adddlomal ympatamE idonnatron. Sea your Cudmember Agreement, Your Cardmember agreement -WO at the terms of you Account. Loaf or stolen cords. Report mme"Ielyt Call 14"7.2683, 1A, wrile us on 3 Btllm9 tBghts Sumrnar r:In Csse of erm or Questions About Your lyit: H you th nk your bill is wrong, or yy?need mom ? oWor X01 abW a 6transaction or, 0 days filer,yawn you t e trot teal sepaee shaaaf paper at Discover. PO Box 30421, Sell Lake City, UT 84130.0421. as soon as pr?•In letter, give us dyne Iotowkhginio o loon: on rdldi to am or pro kin spewed. You call alephaa us, but doing so will not preserve y0 rights. your Your name arld Account number The dollar amoxtdtbe suspected error Describe the error and explain, H you an, why you believe dare is an era, If you need more Wormalion, deoibe to hem you ate unsure about You do not have to pay any amour in queston while we are krvesniia0ng• but you arc sill obligated to pay the pans of your UN that am not in question. Whore via investigate your ilostim we cannot rapid you as deAnquam or two any action to tolled the amount you quesim to a aedf sad and you have tried in good fe4h to correct ii lie tar Crodit Cud Purchssea H you have o problan w0 the" queHy of goods or services do you purchased a servraa. You haw rs a t, oewhan the purchase price was more Ran e you may s of have k pay he rernaahbg amount due on t ow 550 end the purchase was made in yea home state a atthn 100 unites of rove rnadof'f {t war n a operate the merchant, or if we mailed you the advertisement for the good a send ces, ell the parches, are red regardless d the amaint a locegon ot th poblemn w4Oh tw merchant. • Do not send cash. By sw*q your died as described above, you auOhaize us to use mbrmafon on you dnedc ro mal a and eectrauchahd hamster rrora lrour eaarr8 a» the fn.maal irnniu4 on irdreated on you dick or to process ho payment as a thee rratnactron. II Oa paymem s praoessad,as un etecoonic Mud trernbn, Ere tanskr rah b lot the amount of the droalc,We we use Warmatimlean?y make an at etecboda fund trerster, hurts may be vwthdawn cam you aocamt es soon tts one store dsy we receive Your paymorn, you will not fecoke y institution. The proaseirW olyow poyrnaht maybe delayed if you sand ash, 00Respordence or other feats with your payment, d..yo you sand the payment to any other address or t you use am, any auwalape other then tine its prodded. PaYhuamc raArved n proprhr bum alour processing laaQy by SPIA teal one urn day is A be le ae ur to you Account as that day. PsymaOS waived ut err processng tadidy eherSPkl local time wtN De aedned to?AccanN as d 8re reel day. Ir you unla have mu?bud your ant to to resubmit your ? payment to psoowr, PD (daufi103, Card Stream. IL 1975103. Pteese store i-t0 days to Nyour paymerR a retuned uryraid, we reserve the right A as an eledraic der it You You tint pay Yar mirk n payment or a grass ennead own duo telephone, and y can set up auMmaNc peyrrrer ts. GPI us at t$DG34*A .. law. need this statement and you bud aooo,nt idonrhation. You mhsternue suttdent recta ore awiehb n you hank accermt, and ell transa gre mull comply with U .S. You wY asked bank to as be the era 5 digtact you aaooa8 ateammlZBo coda. BY ahteduug those raarbers as you elaebora sigmtue. you cud lea agreeing to fill$ eutl order us w and you bank to In the proassirrg of such can doduct eedh paym,m you rpraaae horn you beds eocaurtL end b irvsab debt a aedn errties ro you bank aoww4, HrpNc?k, to nell aerd error kn ror to cancel paymerlL You must tell to ft amamt of each peyrned, or you can select an amount such as A Payment Due or Hro New Belatice an at each 3d7? aby mad at rhea paymen4 however we must rewire mOtia ntleast thm business dada in advance of he scheduled payroa t. You may ratify by phi OR be in ode and how much t cud be, 1.800 address fisted in the previous paagniph. it you payments may vary in anont we will Id you on each mortldy statement when you payment Yor Your Auloriatie payn ent amount may be less then the indicated on the mon* statement based on weft or payments applied during ha bh&gcycle, Credit Rejawft. We may report Wwma* about your account to credit bureaus. Late paymaas, missed payments, or of dell" on you account maybe reflected in your credit report. We normally report she stahn and paymerl his" of you Account to owlit reporting agencies each month. H you believe that our report is inaccurate or incomptele. please write us at the ksoa+ng address: Discover, PO Box 15316, Wilmumgwn, DE 198505316. Please aukde you name, address, h" Weptrone member and Account mender. PEF"C FINANCE CHAGES, Period Finance Charges are imposed on all transactions from the dale the transactor, is posted to yaw Account uti the dab you pay your entire Now BeWrxr. by tr akng payments or receiving aedile. However, we wA prod de pre fdlowbp "irate period' If you paid the New Be*= on you pervious tolling statement by gin Payment Out Date shoum on that statement. and you pay the Now Balance by the Payment Due Doe on his statement we will not impose Periodic Finance Changes on new purclums, amt is. purchases finalappeaing on On statement. Otherwise, you wB receive a Dating stalernent next month that includes Periodic Finance Charges on those new puehases. Theta is no grew period on balance transfers or tab advances. hate. We Sat your abaa9Gk= M groups of purchases, ash advances, and balance trerstets and then further sat the banswAM within seat gtmp by their Annual Percentage For wumple purchases subject to a promoooal rate and purchases subject to standard rate work be separate groups. We We to guess groups as bensackin alegoift At the and of each wring period, we compute Periodic Fine= Chagas for each day of the billing perms for each transedbrt alegay. We use he foNowag equation to con"As Periodic for each tra welch category. Average Daily Bataxe x number of days in the billing period x Dally Periodic Rea. (See the finance charge summary on you statemart for these Charges for your Accwmt The average Defy Balance is ammou is.) Than we add hp the Periodic Fiance Chagas for each trarsadron alegbay the t 0 D balance it a traniodic n Finance category. shom as zero it braise of the grew period, no periodic Finance Charges apply We use the Average Daly Balance pttcbdfng raw tra wallas) mated of calculating *a balance upon 00 we impose Periodic Finance Charges. We compute the Average Defy Balance fa each bmhsacson category by ad&V up of ft daily balances in a A q period fa a trenactim abgay and dividing the 0Wal by the rumborof days in the billing cycle. We compute he defy balance for each basacion categany on each day by first adding to kUOdGrg to tine previous day's defy balance,, transactions made that day, lees charged that day and Periodic Finance Charges accrued on tat day. H a hnsaaan 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 he fold day of the billing period in thigh it is posted to yourAocara. All tea m am added to the stadad pudaas transaction category wltl the exception of Cash Advance Transaction Fee Finance Chagas which are added to dw gMadan category and Bohm Tmnabr T on Foe Enamor Chagas which ore added to tx apilkable balance transfer transaction a0egoy When ha special rate expires, we move he unpaid balance of the balance transfer and the Balance tramder Transaction Fee France Charges to the slendmd puhchase transaction category. However, if he special rate has been lerminsted u it r to Default Rae Plan, we leave the unpaid balance of the balance transfer and he Balance Transfer Transacton Fee Fiance Charges In ftre applicable transaction category until the special rata would have expked. For TOD (Telecommunications Device for do Deo assistance, art 1O•317.7449. Discover may monfa endbi record Wephhome calla between you and Discover representaWn for quality assurance purposes The Discove card is issued by Discover Bank, Member FDIC. 0170K107 New Balance Minimum Payment Due Account Number ending in 0453 "VER $2,991.21 DISC $90.00 Enter Amount Enclosed Below .: Payment Due Date October 15, 2007 Please eke check poyoble to Discover Card or com vercord ® Di li . . sco pay on ne 16 SDSNeADi 0007457 Go paperless and make your account NATALIA DE LA ROSA informatloonmore secure with password- 620 BRENTON ST pprrotected statements only you can access. Leammoreat tBscovercomtpapertess. SHIPPENSBURG PA 17257-2114 PO BOX 71084 CHARLOTTE NC 28272-1084 Address, email or telephone chargO Print change in space (rs)I??u{IS.. ...{u?I114a IIIIItIIaIIIIfI IIIIIIIIII?E above, or go to Discover.com, Print your e-mail address to receive important Aaount information and special offers. 000001986458261760835029912100095000009000 Discover More Card Account Summary Closing Die. September 16, 2007 Page 1 of I Account number ending in 0453 Previous Balance $3,011.33 95 00 Payment Due Date October 15, 2007 Payments And Credits . 00 0 Minimum Payment Due $90.00 Purchases . + 00 0 Credit Limit $3,400.00 Cash Advances . + 0 00 Credit Available $408.00 Balance Transfers . + 74 88 Cash Credit Limit $1,800.00 Financedes . + 21 991 2 Cash Credit Available $408.00 Now Balance . , - You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback NOrluSe Opening Cashbock Bonus Balance $ 31,26 New Cashback Bonus This Period + 13.00 Cashbock Bonus Balance $ 31.26 Cashbock BonusO Anniversary Month: January CONGRATULATIONSI Your Cashback Ianusik) is waiting for you. Visit D{scovercard.com or call 1-800-DISCOVER (1-804347.2683) to get your share of America's #11 Cash Rewards Program. How Can We Help You? 1 Visit co in to pay your ca bill kr no cep, view your latest Account infformation, , cam and redeem rewards and more Itr5 our choice • 3 wit to hey p 2, Call i-804DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card avollable. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing Impaired) see reverse side Salt Late City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans' DPod ole Payments and Credlts Sep 15 Sep 15 PAYMENT THANK YOU $ -95.00 Finance Charge Summary Bo Jo?ri ter offer for current billing perlod: Daily Periodic Rate: 0.05477%; corresponding ANNUAL PERCENTAGE 1 SIUi46 Rate is subject to the terms of the offer including expiration. Nomina Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily s eriodic PERCENTAGE PERCENTAGE FINANCE FINANCE RATES RATES CHARGES CHARM current billing period: 31 days Purchases $588.72 0.07942% 28.99% V 28.99% Cash Advances $2452.63 0.07942% 28.99% V 28.99% $14.50 $60.38 $0 $0 The rates that apply to your Account arc either fixed (F) or they may vary (V) as noted above. Important Information. If (hare is more 81311 0119 "to On billing stateme+N, see to back of each pop for additional intpartent inlamaeon. See year Cardmember Agroement. Your CeMmember agreement contains at the terms of yourAowunt. Lost on ebkn cards, Report immediately? Call 1800.3474683. more' about a trensaeton our your b A, yJlite is on a Billing Rights Summary. In Case o f Errors of Questions NOR y o u r Bill: 9you tfrfk your bill is i song, or it You need o n e separate sheen of paper at Discover. PO Box 30421, Salt Lake City. UT 84130-0421, as soon as possible. We must hear from you no War than 60 days slier we sent your the host bill on what the aril or problem appeared. You can tetephone us, but d& v so will not preserve your rat". In your letter. gore us M fotowang information: Your rem end Accaad ruanber The dollar anaum of the suspected error Dewbe the error and explain. 9you can, why you believe tree "n error. O you need more imamatien, describe the Rem you are unsure about. You do not have to pay any amount in question while war are investigating. but you ate still obligated 10 pay the parts of vow bill that are nor in question. While we irneskgate your question. we cannot report you as de*prd or take any odion to called N amourayou question Special Rate (or Credit: Card Purchases: O your have a do w4h this mp ? no> goods goods or rah it y You rfewstnwin a credit card and you have treed price d faith to tconec han t was mom to problem with the rrerdwm, you may not have to pay emaiNn9 a $50 and the pacase was Made in your honor state of heNart 100 rrb83 at yowmsting address. (t we own or operate the merdbard, of l we mailed you the adverksememla the good or serves, sit the purchaw are covered regardless of the amwa or tocebon of the padhase.) Psyrnenb. Send ady your paymam and thou top portion of the Memoriam in the emetop provided. Do not send cash. By sending your check as described above, you authorize us to use irtilbrmalrotr on you check totmt a and electronic fund banskr from your account at the financid k'rttttdnon kdioatad on your check or to process the payment as a check transaetam. V cue payment is processed as an electronic lad tmraler, the transfer will be fa rte amount of the dhecl. When we use information from ?r* iedk d to home ahnandal electronic had transer, hags may be withdrawn from your account as soon as the sane day we receive your paymerd, and you will nW receive your your institution. t mom dole? if send cash, correspondence or other terns with you payment, if you send the payment to any other address or if you use an envelope Theeb other lope pe ofher th err th Yan rour ho o provided. onene Payments recelived in You! props tome at our processing facility by 5PM Icicat lime on any day will be credited to yourAccouawt is of diet day. processing sing facility, Payhihtems received at our proces attar 5PN local fowl time WW be ruodiled b your Ac>oux as of the rrext fey. IF you have misplaced your envelope. amid you payment to Discover, PO Boot 6103. Card Strewn, R. 60197.6101 Bata agave 7-10 days for delivery. I your payment is rerumed unpaid, we reserve the right to resubmit it as an electronic debt. You can pay your rMam urn payment or a greater amount over dte telephone and you cart set up awomatc per MM& Cell us at 1-g00-3472663, You x411 need this siatemsra and yew bmni eaooanrt kfametwn. You must rinsua OW srf6dent hails are Available to you bag arootait and ail biansedwas artist comply +'+? o. You r A band your to bank provide the first 5 dngks of you acoou+0 statement ZIP code. By erlairg throw numbers as your etedmrric signature, you will be agr leg dedlM each payment you autiorae from your bank aeoaxf, andte katiare debt or credit entries to your bank aWotA as applicable, to correct error in toe processing of such PeYnteht. You muct Vdl us the aflPA W too paymenR.or you can select an amount such as Minimum Payment Due a the New Dalarm on each Walamem. You can cancel a payment. tarrever ww mWt raceiue melba W least duos burners days n advance of to sdnedhfed payertahnt Yes may nasty by plane at t• 83 or by mail W the billing will be e made and how much it vale be. address in tlhe previous paropreph. O l1eY ^te r1eY vary ° annoura nw wall ten you an each mcitAly statement vd em rh your payment Your MulanaAC payment rhhmummay be lass than rte ahdoafed an the naretRy satemernt based on credits a peyhranls applied du* the tnybtg cyder. GadR Reporifnp. qua rtaY repot irfamation about yew ectona8 b aerfR bureaus. Leta paymema, m ssed payments. or other delaurlis on you account may be reflected in your sect repot. We nanhalY repatthe starus and payment Nstay of your Aa vent b sect raporl lhg agenceseadh tnar you believe that our report is nberanddAuxo un pM.ase write us el the fatox4n9 address: Discrnor. PO Box t531fi, NRrtmhgtoh, DE 19850.5316. ftlease trhdhrde name, oddness, home telepltate he camber aeuntnl number. . is posted to your Now solo nce, by CBAGES. s ca l e Finance Chagas aro imposed on at unrsefions Voni drst¢ Oar paid Now Balance on y Account urill the " you pay your e pervious billing statement by New Beintent ent by Due mat Dale ins hdpaawn an yment OW or sttateullement, nil aedRs and . However pay , awe owl provide the the Pa 'g Pet on y stete Periodic Finance Charges on new the you tla New Balarwe yment Due Dare this ameniwovtvY not impose Paym purchases, that is, purchases Fret eppeming on I o 8teteniarhI. Otherwise. You wilt wave a It rg statement next moiM Net includes Periodic Finance Charges on terse maw purchases. There is no grace period on betance ben*m oroash advances. We sat your ban"COM ft groups of pwcfasae, cash advances. and balance choristers and than htlthef sat die vansacfw4 what each group by their Annual Percentage Rate. For example purchases subject to a praoolimal rate send purchases subject to standard rate world be separate Woups. We refer to these 9PW as transaction categories. At the end of each bSing period, we compute Periodic Finim purges for each day of the billing period for each VelseGion category. We use the following equation to rgmpute Periodic for each transaction category. Average Daly Balance x mamba of days in the billing period x Daly Periodic Stem. (Sea the li ionCe charge summary on your statement for these amounts.) Then we add up the Pedchdc• Fitiarm Charges for each tiansectan category to got the brat periodic Firowe Charges lot your Account. The overage Daily Balance is shown as zero d, because of the grace period, no periodic Finance Changes apply to the balance in a watsactbn category. We see the Average Daly Balance (k Wilt new tri risecoom) meted of calculating the balance upon which we impose Ped quo Feiance Charges. We compute the Average Daily Balance for each Yansacilm didtegory by atidleg W at the daily balances in a brim. g period W a transaction category and dividing the torah by ft number of days in the holing cycle. We ooirtphae the dilly balance for each transaction category on each day by litst adding Ne following to the peoviais days daily balance. tianeactione made tat day, leas charged Nut day and Periodic Fiance Charges accrued an that day. Nor uanseciion is posted to your Aocorint after One close of Ne billing period in which ft occurs. we will "at the transaction as having occurred on Ufa fast day of the billing period mwhich it is posited b you Aawau. Aft fees car ed to Accaxa are added to the standard purchase transmdiah category with Oho exception of Cash Advance Transac(m fee finance Charges which are added to the atae Varissgiah cateliay and Balance Transfer Transaction Fee Finance Charges which are added to the applicable betanoe transfer vansWror, category. When the special role expires. we move the untaild betamce of the balance Uraskr and the Balance Ttansler Transadrat Fee Finance Charges to the standard pwdase transaction category. However, if rte special rate has been terminated cider the DeWl Raw Plan, we leave the wpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges in the applicable transaction category until the special rate would have expired. For TDD (Telecommuifoadons Device for the Deal) assistance, call 1400.947.7449. D•smva may morator anvtla record telephone halls between you and Discover repreaentsOm lot quality assurance purposes The Disaxhere card is issued by Discover Bank, Member FDIC OITSK107 New Balance DISC, VER $31078.91 16 SDSN6ADi 0007458 NATALIA DE LA ROSA 620 BRENTON ST SHIPPENSBURG PA 17257-2114 Minimum Payment Due Account Number ending in 0453 $88.00 Eller Amount Enclosed Below Payment Due Date $ November 15, 2007 Pease ake check payable to Discover Card or pay online G Discovercard.com. Go paperless aril make your account Information more secure With password- proteated statements only you can excess. Loam more at discover conomperless. PO BOX 71084 Illsrrllssrasslhllssrrlld CHARLOTTE NC 28272-1084 Address, e-mail or telephone change4 Print change in space JiilrlJinni)rllrsilrrlrlrirllJlrrrJiilnlu1Jtllnlnlilti(1 above, or go to Discover.com. Print your a-mod address to receive Important Account information and special offers. 000001986458261760835030789100000000008800 Discover More Card Account Summary dosing Dale: Odober 16, 2007 page 1 of 1 Account number ending in 0453 Previous Balance $2,991.21 00 90 Payment Due Dote November 15, 2007 Payments And Credits . 0 00 Minimum Payment Due $88.00 Purchases . + + 100 00 Credit Limit $4,100.00 Cash Advances . 0 00 Credit Available $1,021.00 Balance Transfers . + 70 77 dit Limit h C C 00 200 $2 Finance charges . + re as . , 078 91 $3 Cash Credit Available $844.00 New Balance . , You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashbmk Somas Opening Cashback Bonus Balance New Cashbock Bonus This Period $ 31,26 + 0.00 Cashback Bonus Balance $ 31.26 Cashbock Bonus® Anniversary Month: January CONGRATUWIONSI Your Coshback Bonus(R) is wo" for you. Visit Diacovercard.com or call 1-800-DISCOVER (1.800.347-2683) to get your shore of America's #1 Cash Rewards Program. How Can We Help You? I Visit Discover ern to pay your bill for no cost, view your latest Account information, earn and redeem rewords and more It's your choice - 3 ways to help 2. Call I.SMD)SCOVER (347-2683) for fast, easy self service options or to spook with a Customer Service Account Manager Please have your Discover Card available. 3, Write us at Discover Card, PO Box 30943, For TDD (ossistance for hearing impaired) see reverse side Soh Lake City, UT 84130 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. Trans. Post Payments and Credits Oct 16 Oct 16 PHONE PAYMENT THANK YOU $ 90.00 Cash Advances Oct 9 Oct 9 CASH ADVANCE CHECK. #7525 100.00 Oct 9 Oct 9 CASH ADVANCE TRANS FEE FINANCE CHARGE 5.00 OVIaND Charge Summary Nominal Transaction p? Da rage Rally is ANNUAL ANNUAL SNTAGE INRCENTAGE eriodic Fee omm FINANCE RATES Rkifs B Roles aNgo- current billing period: 30 days Purchases $510.17 0.07942% 28.99% V 28.99% $12.16 $0 Cash Advances $2540.82 0.07942% 28.99% V 30.95% $60.54 $5.00 The rates that apply to your Account ore either fixed (F) or they may vary (V) as noted above. Wish you could sort these purchases by amount, description or categorlR You can - register at Discovercad.com to view your purchases online as fat back as 12 months. Learn more at Discovercard.com/purchases MpoAant Mlameton. if there is more than one page to gas biting statement, $ea Ne back 01 each page for eddiFonal krporant Mras on See your Cardme tuber Ag AL Your Cadrux"I er sgreeumN cahtsus an Ne terms of you Account. Lost or stolen cards. Report inmodd"irl Cat f -1la0.341.2683. Bill" Wghts Summmy. M Case of Errors orOuasliatsAbat Your Nil yyoouu tank your bill is wrong, or 4 you need more inorrnetien abed a transectim on yaw bill, write us on a separate sheet of peps st Discover. PO Box 30421, Set Lake C'dy, UT 64130A421, es soon. poasible.We moat you hear (nom ou no Om 0 days two sour you the first bill on VW it* errora problem appeared. You can teephone us, b l doing so will nut preserve yowinghts 10yourIlefler. Ova us Yourname and Account miwaba The doiler amour of the suspected error Describe the wor and explain, if you can, why you believe there is an error. It you reed more information, desa'be the item you am unsure about. You do not have to pay try sa wt in question while we we immtgating, but you ore so obligated to pay do pans of your bill that are rwtin gnrea6on. While we investigate your gueslia,, we roast report you as delinquerd or take any action to coded the amount you question. Special Rate for Credit Card Purchases: t you have a problem with the qualty of goods of services that you purchased with "redo card and you hew Vied an good fob b cared the ptodharae, than the problem tab the mercman, you may not We b pay the romaxang amowtdue on the goods 6a ? s,Ym heirs t?map antnlyiw marred you the sd??lhe IIW aril yes ptreness vkres made in your home go a warm 1100 rake of you mailing ` good or services, an the purduw ere covered regardless of Die armw or beetiona of to purchase.) dia. Send paw and ft top portion of Ne sBblerroM in to ermelop provided. Do not sad cash. By setnding your cook as described above, you sulhorize us only our to=U99lulanmdonoon yyour cheek to "a and ebrkonictund uanskxfrom you account at the fmahdel aAtWtion indicated on your dhedk or to promse the payment as a check iref6K6ah. if the psyneN is Amassed as an electronic lentil Yarder, Our transfer w31 be for the amount of the check. When we use adamalm from your drock to make an electronic fiord uensfer, hods maybe witdrown from your acmwn as soon as the same day we receive you payment, and you will not receive your dredk back from your anaucal asttution. The processing of your psym end maybe delayed d you send rask correspondence or other dens with yov peyraent it you send the paymW to any other address or 9you use an envelope other than the are provided. Payments recewed in proper form at our processag faddy by 5F'fd local line on any day veil be credited to you Account as of that day Payments received at our processing 1 ( after SPM fecal time will be aedded to your Accaad as oils read day, t you Ire" thisplead yea enuetops, send yaw psymerd to Discover, PO Box 61103, Card Stream. IL 60 197$103. Pleas aNOw 7-10 days for delivery. If you payr unf is retuned ukhped, we reserve to right to resubmit d as an eledrarfcdebit You can pay your niim rn payment or a greater amount over the telephone, and you an set up atamaic payments. Callus at 1-8W3472683. You will need teas statement and law. You will be asked to KOMO you trade account udaraalon. You most owe thatsutmnt hods we avadeble an your be* acmunt ono all transedli s mu ow ya gipnmtiat to allow us and you bad to the first 5 do of you account stekment ZIP ode. By entering those narrows as your deoYOme signature. you will be agreeing b of such deduct each payment you sulhaize tom your bank aaant, and to Initiate debu or credit entries opr bank ecom, as applee* to cared amt in Ole Pmroae?0 payment You mustkl us the won of each peyanen, or you can seWan amount PA as Mimmum Payment Due or the New Balance on each statarent. You can cancel a payment, however we must receive notice at east Mee business days it abiaha of the asked lad payment. You may moldy us by phone at 1.800.347.2663 or by mail at the address fated in the M,1eye paragraph. t yew payments may vary in amount we will tell you on each monthly statement urban yaw payment will be made and how much it will be. Your Atdamtic payment amount may be less than to indicated on the monthly statement based on credits or payments applied awing Be bill cycle, Credit Reporting. We may report information about your sooowtf tooredil bureaus. lets payments. massed payments, or other ddKft on low wwjrd may be reflected in you credit report. We namely, report the status and payment bsbryof yew Awount toas& reporr" agencies each month. If you believe Nat our report is kaccuste or incomplete, pfesse write us at the Mowing address: Din covet PO Box 15316, Wamagton. DE 19859-5316. Please inckde your name, address, home telephone number and Account number. PERIODIC FINANCE CKAGES. Paadic Finance Charges are imposed on all transadiors from go data the hanseclon is posted to your Account until the doe you pay your entire New Beam. by making payments or recoAng aedas. Horwarm. we will provide the toOovHg `gece period' N you pad Our Now Balance an your pervious Will statement by the Payment Due Data show on that statement. and you pay the Now Balance by to Pap" Dire Date on this staement we wil not impose Pefiodx Finance Charges on new purchases. that is, Purchases fast appeaig on this statement. Otherwise, you will receive a billing statement next month that includes Periodic Finance Cho" on those new purchases. There its (1o grace period on batance traders or ash advances. We on you Yansactwrs into groups of purchases, ash advances. and balance tratsfas and ten further sot to transactom *Ahn each group by theirAnmral Percentage Rate. Fa example purchases wbjed to a Prorno" rote ail purchases w4ed b standard rate world be separate grayhs. We refer to these groups as transaction e P todic and of each bill" pe oil, we compute Petb& Finance Charges for each day d the burg period for each transaction category We use the following equation for each tresaeton category. Average Daly Balance x number of days in the bilfng period x Daly Pariodic Rate. (See the finance large summary on your staiemaa for these amounts.) Then we add up to Petodha Finance Chagas for each transaahon category b get gar total Peodic Faance Charges for your Account Tho average Daily Balance is shown as zero A because of the grace period, no Peafod c Finance Chergas apply to the balance in a transaction co". We use the Ave ige Deily Balance (mdkdirg new Viatsectim) mailed at calculating the belamoe upon w1kinwe impose Periodic Fiance Charges. We compute the Average Daily Balance fa each lmnsec m crr"o y by adding up uO be defy balances in a biligpenod fo a Uasaetion category and dividing Our tow by the number of days its the boat cycle. We campufa the daly balance for each transaction cal"ory on each day by first adding the fo lorrig to One previous day's daily befance,. transactions made Nel day, fees charged that day and Periodic Firm Charges accrued on hat city. B s transaction Is pasted to you Account after the close of the bitting period in which It occurs, we will treat the trans0ion as having occurred on the Prat day of the billing period in which it is posted to your Account. AN teas b Account are added to dw slandad purchase basaction catagony with the exapoon of Cash Advance Transaction Fee Fiance Chagas which are added to to tranStCtiah category and Belat ce Transfer Trensectah FFee FisroeCherges which are added to the applicable balance transfer uensadion category. Whop mph empires, we move the unpaid baance of the balance Matra and the Balance Transfer Transaction Fee Fiance Charges to the standard poease oremadon category. However, t the special rate has been terminated under (he Delaul Rate Plan we Mew the urea l balance of the balance transfer and the Balance Tmarsfer Transaction Fee Fiance eta" it the apphcable transaction cmegorywM to specie tale would have expired. For TDD (Teleammunicati m Do** for the Deal) assistance, ca01-000347d449. Discover may monitor Oft reed telephone rats betwroerr you and Discover representatives for quaRy assuam purposes The Discovae, card is issued by Discover Bank. Membor FDIC. O1T8K107 Now Balance DISCO-1VER $3,055.54 16 SDSN6AOi0007459 NATALIA DE LA ROSA 620 BRENTON ST SHIPPENSBUR6 PA 17257-2114 Minimum Payment Due Account Number ending in 0453 $92.00 Enter Amount Enclosed Below Payment Due Date $ December 15, 2007 Please make check payable to Discover Card or pay online 4 Discovercord.com. Go pe perless and make your account Irtformation more secure with password- protected statemer>ts only you can access. Lam more at discover comlpaperless. PC BOX 71084 lllsnllrssorllrlirsnllrl CHARLOTTE NC 28272-1084 Address, email or telephone change? Print change in space (rrlrllrs?rrrlrllnrlnlrltoll lllrrrlrrlrrl?rllrrlrrlr,lrirrll above, or go to Discover.com. Print your smail address io receive important Account Information and special offers. 000001486458261760835030555400000000009200 Discover More Card Account Summary Closing Do", November 16, 2007 page 1 of i Account number ending in 0453 Previous Balance $3,078.91 Payment Due Date December 15, 2007 Payments And Credits 1 OD.00 Minimum Payment Due $92.00 Purchases + 0.00 Credit Limit $4,100.00 Cash Advances + 0.00 Credit Available $1,044.00 Balance Transfers + 0.00 Cash Credit limit Cash Credit Available $2,200.00 $844.00 Finance s Now Balance + 76.63 $3,055.54 You may be able to avoid Periodic Finance Charges, see the reverse side for details. CASItbOtClC BoriUS® Opening Cashback Bonus Balance $ 31.26 New Cashbock Bonus This Period -+----= Cashback Bonus Balance $ 31,26 Cashback Bonus® Anniversary Month: January CONGRATUTATICNNSI Your Cashback Bonus(R) Is waiting for you. Visit Discovercad.com or call 1.8MDISCOVER (1.800.347-2683) to get your share of America's #1 Cash Rewards Program. 1 Visit Discovereom to pay your bit for no cost view your How Can We Help You? West Account information, earn and redeem rewards and more It's your choice - 3 wap to help 2. Call 1.800-DISCOVER (347.2683) for fast, easy s4service 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. Deft Post Payments and Credits Nov 16 Noy 16 PHONE PAYMENT THANK YOU $ 100.00 Information For You Congratulationsl Your Account's cash credit limit has been increased to $2,200.00. 8%%W Charge Summary Nominal Transaction ?o ANNUAL ANNUAL Periodic Fee Sau Qader ES M R RA C F FINANCE ; S ATE TEERSS C CHARGES QVILOUL current billing period: 31 days Purchases $431.38 0.07942% 28.99% V 28.99% $10.62 $0 Cash Advances $2681.27 0.07942% 28.99% V 28.99% $66.01 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Important kdomagon. t there is more tharh onePage to tie billing statement, see the back of each page loraddibrmat important information. See your CadmemberAgreement Your Cadmember agreement contains at the terms d ywrknotim. Lost or stofon eds. Report immedialetyt Cal 1-M347-2663. Biting !tights Summary. In Case of Eaaa or Questions About Your BE II you think your bill is waag, or t you need more kdama4ae about a transaction on your big, write us on a separate steelmi papa at ler Yw can telephone us, buldoinowill not preserve your Tots. In yoetter. give us the following kdoumalah sent you the w bill ou vdnidh the era or problem aPippe,ed. Your mime and Account tworber The dollar amount of tie suspected era Describe the error and explain. V you can. why you logave there Is an ever. It you need more infoametiah, dascdbe the item you are unsure about. You do not have to pay arty amours in question while we am investigating. but you are a7 obligated to pay the parts of your bill Stet are rind in question. While we ifweslgate your question, wecamot report you as dshruluertl of take any action to celled to amount you question. Spacial Raw for Credit Card Purohaos: If you hour a problem ,,with ,..fire quality of goods or services 00 you purchased with a credit card and you have tried in good tab to oared to problem wdtn to mendhe t, you may not have to prey she remainlrg wwA de on ttegoods or services. You have this protection only when the purchase price weer more then 450 end the prone wet made in your force state a within tM A" of your maiktg address. (if we owl or operate the merchant or it we mated you the advertisement to the good or serwws, erg the purchase are covered regardless of the annum or location of the purchase.) Payments. Send any your ?pa?ymLent and the top portion of the stseerrem in the amstop provided. Do not send cash'. ?Buy suer&V your check as described above, you authorize us b use ihlormmiot on yore d" to make and eledrahlo kind transfer *car your account at the financial notation indicated on your deck or to Process the payment as a deck transaction. If the payment is processed as an electronic fund smsbr, the transfer wig be br the amount of the dcedk. Vahan we use ralarnnWn from your check to, make an electronic fad Vander, funds may be withdrawn from your account as soon as to same day we receive your payment, and you wiN not receive yew check back from you financial irstgution. The procesang of your payment maybe delayed I you sand cash. correspondence or coot items with your payment, 9 you send the payment to any otter address or N you we sn envelope other darn the one provided Payments received in pops form at our processing lady by 5PM local lime on any day wd be credited to your Akxourd as of that day, poyn tars received at our process." leerily As 5PM low lints will be credited to ymrAcoo um as of the ?IIfyou has misplaced a your ?henlvebbPaa? your payment to Dawver, PO Sin 6103• Cad Strewn. It 60197-6103. Please allow 7-10 days for do". t your paymen unpin 4 as an electronic debit, ,?h You can pay your minimum psymard or a greater umourd over the W?epho`M? and you can set up aulomatc payments. Cat us at I50o-3472683. You wm9 reed this statement and your back aaaril information. You must insure that suRiaonl M1a„w ere available in your bank account, and all transactions must comply mil h U.& low. You wit be asked to provide to first 5 dlgi%of you account statement ZP code. By entering dose numbers as your electane signature, you will be agreeing b this, awhonmt on to allow us and your bank to deduct each Payment you eit arse from your bank account, aunt b Mat@ debit or credit wit its to your banukeccartt. as applicable, b cared error In the processing of such payment. You must tent us to snoaA of each payment or you canseled ?oan ?a?m?o?unt such as Minimum Payment Due or the New, Balance on each statement. You can what a paynark however we must receive notice at Meat tfra business days in advance of the scheduled Paymeal You may nolihr i; by phone at 1.800.3{7.2683 or by mal at the address bled in the previous paragaph. t you peymantc may very in amount tell ym on each dIXy statement when your payment will be made and how much it ell be. YowAufome6c payment s mox+l may be less then the ndirsted on to rnontdy nelerre s applied during the billing cycle. Credit Reporting. We may report ifflu mation oboe your Baantl to merit bureaus. Lore payments, ni>sBd p symems, or other dalauhs on your account may be re8eced in your each report . We nommaly report the Asks sW payment history of your Account to credrl reporing agencies , Jea_ch month. N ywb6ove that err report is inaccurate a incomplete, please write us at the fotavkhg address: Discover, PQ Box 16316. Wgrmrtglm, DE 198505316. Please Intl de your name, address, home telephone wmbarand Account number PERIODIC FN MCE CHAGES. Periodic France Charges are imposed on d tkansectons from the date the Vxm n is posted to your Account until ft date ym pay your entire Now Balance, by maWng payments or receiving credits. However, we will pavude the kilowin9'grece peiod" N you paid the Now Balance on your pervious billinil statement by the payment Die Data shown on that statement, and you pay to New Balance by the Payrrot Duo Dale on the staemenl we will rat impose Penodm Finance Charges our rew Pachases• that is. pur"S" first appew" on ft statemad. Otefwhse, you will receive a billing statement next month that includes periodic Finsrce Charges on those new purchases. There is no grace period m balance banters or cash advances. We son your tansasf cns into groups of Purchases, rash advances, and belts ce transfers and than Wrter son the transadiors w" each group by their Annual Perce trage Rate. For exempt purchases agl i;ectto a promotional rate and purchases skbjed to studied rate would be separate groups. °W?.e?.refer to these groups as transaction caegora, At the end of each ling period. we oanpule Periodic Finance Charges for each day of On billing period fa each transaction ealegory. We use time following equation to compute Periodic for each Inemacion oetagory. Average Data' 13aletce x number of days in rte bring pectic x Daly Periodic Raw (Sou the tinerwe charge summary on your statement fa tests amWnlsI Than we add up the Periodic Finance Charges for each liamednon category to gent the vital Periodic Finance Charges la yow Account. The eve rage Daly Balance is shown as zero if, because of ON grace period, no Paiodio Finance Charges apply to the betance in a transaction category. We use to Average Daly! Balance Mckr5ng new trensedc" method of cakklatng the balance ttpon Which we impose Periodic lynance, Charges. We compose the Average Daily Balance for each tram acton cstagay by adding up at the defy balances: n a bditp period fira.?tr?,ar;.,s,.acoentcategory end divhdmg to blot by this mmbe of days in the bang cycle. We compuAe she daily balance breach 1mnaWon category on each day by first =the Mowing tote previous days dadybelarroe. transactions made thatday, fees charged that day and Periodic Fnahce, CleW wanted on that day, N a transedokh is posted to your Accent after the dose of the billing period in which 0 occurs, we will tat to transaction as havbg occurred on the kill day of the tinting periodic; which R is posted to your Account. All Aoeoum ore added to the standard purchase trensedlofh category withthe exception of CaahAdva ce Transaction Fee Finance Chagas which are added to Ore arica tsnsedion category and Balance Transfer Transaction Fee Fnenors Charges which are added to the applicable balance transfer tenssdbn category. When the . rife expires. we awe the unpald belaoe of the balance tatsfer andfle'B thence TratsferTransacoon Fee France Charges to the stadad puidese transaction eetegay. However, Nfie special rate has been terminated under the Oafsut Rate Port, we lava the unp i d balance of to balance transfer and the Balance Transfer Tmnsacbm Fee fikhmree Charges in the applicable transaction cesegayuml the special rase wild have expired. For TDD (Telecommunications Device for the Dorf) assistance, call 141MUI.7449. D'scover may mentor andkr regard telephone cults between you and Discover representatives for polity assurance purposes The Discover' and is issued by Disooaer Bank, Member FDIC. OiTSKt07 New Balance Minimum Payment Due Account Number ending in 0453 DISC VER $3,303.02 $91.00 Enter Amount Enclosed Below Payment Due Date $ C 1 January 15, 2008 please m?nake check payable to Discover Card or com 0 Disnovercad t . . pay or me 16 SDSN6A01 0007460 Go fmPaim and make your account NATALIA DE LA ROSA information more sewrewith pasomcl 620 BRENTON ST ?? m?ants only you aperlnes. . SHIPPENSBURG PA 17257-2114 PO BOX 71084 111 it, III It tell 11111111111 11 CHARLOTTE NC 28272-1084 Address, e-mail or telephoneehange?Print change inspace Iulrllnlnelnllne1n1e1nn1111111111Itrltrlist lerluIIIIIII above, or go to Discover com. Print your e-mail address to receive important Account information and special offers. 000001986458261760835033031120000000D0091D0 Discover More Card Account Summary Closing Data: December 16, 2007 page i of 2 Account number ending in 0453 Previous Balance $3,055.54 00 100 Payment Due Date January 15, 20D8 Payments And Credits . 271 86 Minimum Payment Due $91.00 Purchases . + 00 0 Credit limit $4,100.00 Cash Advances . + 00 0 Credit Available $796.00 Balance Transfers . + 75 62 it dit li h 200 00 $2 Finance Cleargais . + m cre Cas . , lance N B 3,303.02 Cash Credit Available $796.00 ow a You may be able to avoid Periodic Finance Charges, we the reverse side for details. Cashback BOt7us® Opening Cashbock Bonus Balance $ 31.26 New Cashbock Bonus This Period + 0.67 cashback Bonus Balance $ 31.93 Cashbock Bonus* Anniversary Month: January How Can We Help You? 1 visit Dlsco i nm to gal, year bbl for mot, lw your latest Account nt keFormation, earn and red deem rowar ardi and more Itrchoice ' 3 ways t0 hel our choice P 2• can I-800DISCOVER (347.2683) for lost, easy 111110"t-:411 rvice Account Manager S C t h y e omer us a options or to speak wit 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 84 t 30 Transactions $0 Fraud Liability Guarantee Use your Discover Cord with confidence. Post D oft Payments and Credifs Dec 14 Dec 14 PHONE PAYMENT THANK YOU $ 100.00 Merchandise/Retail CONSUMER M Doc 7 Dec 7 OBACCO CHAMBERSBURG PA 137.69 BO WELL PIPE T J Restouranfs Dec 7 Dec 7 MEI LINS HOUSE SHIPPENSBURG PA 64.50 Dec 8 Dec 8 PANERA BREAD #3590 HAGERSTOWN MD 24.72 Gasoline Dec 6 Dec 6 SHEETZ 00000703498 SHIPPENSBURG PA 30.00 Finance Charge Summary Balance Transfer offer for current billing period: Daily Periodic Rate: 0.02737%; corresponding ANNUAL PERCENTAGE . Rate is subject to the terms of the offer including expiration. Nominal Transaction ANNUAL ANNUAL. Daily PPori6dic PERCENTAGE PERCENTAGE Periodic FINANCE Fee SHA Balance s Rates RATES RATB CHARGES. current biding period: 30 days Purchases $426.64 0.07942% 28.99% V 28.99% Cash Advances $2746.97 0.07942% 28.99% V 28.99% $10.17 $65.45 $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (VI as noted above. Important Information 11Iheio is more than ono page to this billing statement, we the belle of each page for additionl important arbrmation. See your Card member Agraament. Your Cerdmember agreament ovARM al the terms of your AoooUM_ Lost or stolen cards. Report immadletely! Cal 1-NO J-2683, BMft ftW Sanmay. In Case of Errors at OuestionsAboul YourBB Byou t inli yax bill is wrong, or if you need mom Wonnatronabout a trassactiom on your bid, wrile us on a separatedrael of paper a1 D socver. PO Box 30421, Sol Lake City, UT8413D 0421, as scones posmible. We muse hear from you nolater than BB days after we sent you the must bill on whi6 the ens a problem appeared. You can telephone us, but doing so wA wt preserve your rights, In your letter. give us Ora fdbwiginlamnatiore Your now end Acmini number The dollar amount of the suspected snot Describe the error and expert. O you can, why you believe there is an error. O you need mare information, describe lye tern you are unsure about. You do not have to pay any amount inquesaar while we are investigating, but you are still obligated to pay the part of your bit Oat are not in question. While we investigate your questim we cannot report you as definquad or lake say action to collect E4 amount you question. Spaek! Rak fa Credit Cored Purohasa: l you lave a pofhtem win tie quekty dgooda a services dart ycuphrcheaed wfih a rxedf card and you leave tried in goal feih to muted rho problem vAri Ora merdrerd, you mayors have k pay Ore remnaining amour due on Ore goods a services. You have ffsaprolenxiou only wtuen the prrdease pore was more than S50 arhd the ptrcera wee made in your fare slate a uviltrh 100 miss d yea mnaYmg address. {Owe own ar opaete tM merchant, or lure nmlted you the advertieement to the good a services, al Ow pucftasa ere covered rcgerdess d Oro amass a bcatiah of Om purchase.) Paymeab?. Snnd onty yax psymeal and Ma lop portion of lne atokmer in Um envabp pohlded. rite not send cash. BY sen&rp yea chdr es rkaorr?ed above. You audrorize ra le use inkrntariorh ou you Nmdt a mmsre and aleWamo fiphd bsnbfer from yauraoraunt st tie 4nareciel ihstilutiorh irhSaled on your dmeck a b paws the payman a9 a elmedc bansacdar l the peymNnt le paceseed es m electronk klrhd transfer,,the trensfervrdl be ter the amour s Ute cwdl When era use hrdormatiat Uom you ctflclt t0 unalhe an efectranb fiord trenater, bads may bewltlrdrown fionh your ettourq as soon as the smote day we renxive your payment, and you will nil receive you clnectr bark man yrrur finerdkl nsMUtion. The processing of your payment maybe delayed d you send cash, correspondence or ogre items VA%your payment, t you send the payment to anyother address cif you use an envelope other 61wh the one pnovidad. Payments received in paper farm at our processing facility by 5PM local Ome on wry day will be aedifed toyer Account as of that day. Payments received at our prooessi g feck after 5PM kcal time will be credited to your Accout as of the next day. R you have misplaced your enelope, send your payment to Discove, PO Box 6103. Carol Stream. IL 601974f03. Rease clear 7-10 days for delivery. Ifyour payment is rstumned unpaK we reserve the right to resubtail it as an electronic debit. You om payyour mFrrrem payment or a greater amount over the telephone, and you can sat up automwie payments. Cal us at 1400.3472683. You will need the statement and your bwdo socarht kdormation. You n A ensure OW aAldanl finds are available in you bank amaml. W all bansectons neat comply with U.S. law, You wig be asked to provide the feet 5 &* of you acmurt sfatemem ZIP code. By entering ifhose numbers as your electronic soon. you YA be agreeing to this sugtarza0m to slow us and you bank a dedw each payment you authorize from yam bards soout. W to Initiate debit or oredt wises to you beak amount asapp6raMa, to owed errs in the prooessing of such payment Ym must let us the amount of each psymeK or you can soled an amount such as Minimum Payment Orb or Oe New Balance on each statement. You can cared a papent, however we must revive notice at least Om business days in advance of the admduuled psyrr M you nay notify us by Owe at 1400.347-2663 of by mail at fie address baled in the previous pwatImplh. ti your payments may very rn amount we will tet you on each no" statement when your payment VA be made and how much it will be. You Aubmalic paym nil arrant may be less Own the indicated on the monody surtament based on credits or psymemsapphed during time billing co, Credit Reporting. We may report information abdd you account to credit bureaus. Late payments. missed payments, or other defaults on your account may be reflected in your tredi report. We nomuly report the status and payment history of your Account to credit reporting agencies each month. If you bolero lhd our repel is inacc ram or kwwoplote, pease write us at the following address:06mde, PO Box 15316, Wilmington, DE 1985ti6316. Please include your name, address, tame telephone number and Account number. PERWOIC FRIANCE CHAGES. Periodic Finance Charges are imposed on al transactions from the dale the transaction is ported to your AomumtunM the date you pay your enkre New Balenca, by m*M peymems or receiving delis. However, we will provide the following 'grace period' 0 you paid the New Belace, on your pe rious baing statement by the Payment Due Date shm n on that statement and you pay the New Bhchnm by the Payn entDie Dale on alas slekmenl we will not Inposer Pedodb Finance Charges on new purchases, Oral is. purchases fret appeating on this sralement. Oth erwaa you well recoW a bating sletenmeM next month Ohl includes Periodic Finance Charges on those new purcimes. There is no grew period on balance beaters or cash advances. We sir your uemecl ons into groups of purchases, cash advances, and balance transfers and than further sort 0* transactions within each group by their Annual Percentage Rate. for example purchases sub" to a paeotiona task and pudmsas subject to standard tale would be "we* groups. We refer to thm Voups as trmsection oalegwws. Al the end of each billing period. we mmpule Periodic Finance Charges for each day of the billing period for each hansadan caegory. We use the felawegequetirh to oomp le Periodic for each bansectim category Avemaa Daly Balance x number of daps in the billing period x 1O/ Parade Rate. (See Ote finsnoe charge summary on your statement for (mess amounts.) Then we add cop one Periodic Finance Chang" for each UsnsezWn category to get ft kkl Penode Finance Charges for your A.cmunt. The average Daly Be!anue is shown as zero if, because of the grew period, no Periodic Finance Charges apply to dm balance it a transaction caegay. We use Our Mwsp Dade! Balance (mduding nowtransactions) method of calculating On belanoe upon which we impose Periodic Finance Charges. We oompute the Average Daily Balance for each transaction category by edding up all ft day balances in a billing pwrod for a transaction category and dividing fpm tad by the men* of days in the billing cycle. We con" the dedy balance for each transaction oelegory on each day by first adding the blowing to the previous day's defy balance, transactions made that day, lees charged Ow day and Periodic Finance Charges au+ved on dart day. 0 a trawamon is posted to your Account ale the dose of the billing period in which 0 occurs, we vv* seat the transaction as having ocourred on the fast day of the bung period In which leis posted to yourAeooum. AlIfees cherged to youmoomnt we added to tar sfahdardpadhve transaction cats" with the exception of Cash Advance Transaction Fee Fiance Charges which are added to the uernsscborh category aid Balance Transfer Transaction fee Finance Chagas whO are added a the applicable balance transfer transaction category. When a s, we more the unpaid balance of she balance trawler and the Balance Tramter Tra sedan Fee Fwwm Charges to the, standard purchase transaction ce tegory 1lowevar, 9 1* special rte has been terminated under the De" Pak Plan, we leave the unpaid balance of the balance transom and the Balance Transfer Transaction Fee Pkwnce Charges in to applicable transaction category Yra the special rate world have expired. For 7DO {Telecommunications Device for the Leal) ass!starm. call 1400.907.7119. Discover may monitor "or record tefephorw cats beNman you and Discover represerdstives for quality assrranw purposes The Discover' card is issued by Discover Bank, Member FDIC. O1TBK107 Closing Late: NATMA DE LA ROSA DISC('VER December 16, 2007 Account number ending in 0453 page 2 of 2 Cashback Bonus ® Award Summary Cashback Bonus Anniverso Date: Janua 16 Balance Previous Cashback Bonus Award Balance $ 31.26 Purchase Award This Period + 0.67 Cas ac Bonus Awar Tota 31 93 Cashback Bonus Award Balance Award Available to Redeem 8985507 31 93 $ 20.00 f{ in ions opply b thq Cc?shback Bonus Pi?er offers visit Dacavm com &c oil 1'SOOd?1sCOVER (1.800347-2683) for tails, for program ai s, see the cash6w Bonus Program Terms and nesfions. New Balance DISC. VER $3,835.78 16 SDSN6A01 0007461 NATALIA DE LA ROSA 620 BRENTON ST SHIPPENSBURG PA 17257-2114 Minimum Payment Due $107.00 Account Number ending in 0453 Enter Amount Enclosed Below P90 Due Date r°°ruarY 15, 2048 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 discovetcornfpaperless. PO BOX 71084 III1,rfl•u••r11s1t••r,li•I CHARLOTTE NC 28272-1084 Address, &mW or telephone ChOW1 Print Ch 90 in space {ulillrrj?ulrl?rullrlul1111lllru1111111111 r{r11u111lull above, or go to Discover.com. Print your assail address to receive Important Account information and special offers. 000001986458261760835038357800000000010700 Discover More Card Account Summary Closing Dots; January 16, 2008 page 1 of 2 Account number ending in 0453 Previous Balance $3,303.02 00 100 Payment Due Date February 15, 2008 . Payments And Credits 99 540 Minimum Payment Due $107.00 . Purchases + O OD Credit Limit $4,100.00 . Cash Advances + 00 0 Credit Available $264.00 . Balance Transfers + 91 77 Cash Credit limit $2,200.00 Cosh credit Available $264.00 . Fiaaere? Chews + New Balance = $3,835.78 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashbuxk Bnnuse Opening Cashback Bonus Balance $ 31 93 New CcAbock Bonus This Period Cashback Bonus Balance $ 33.28 Cashback BonusO Anniversary Month: January CONGRATULATIONSI Your Cashba& Sonus(R) is waiting For you. Visit Discovercard.com or call 1.800-DISCOVER (1.800.347-2683) to get your share of America's #1 Cosh Rewards Program. How Can We Help You? an ' Visit co Account i to pay your for d cost view your earn and redeem rewards s and more latest Aeeawd information It's your choice - 3 ways to het , 2. Call 1-800-DISCOVER {347-2683) for fast, easy salhservics 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 Uabifity Guarantee Use your Discover Card with confidence. Post Dote Payments and Credits Jan 15 Jan 15 PHONE PAYMENT THANK YOU $ 100.00 Merchandia/Retail Dec 29 Dec 29 BARE ESCENTUALS #023 KINGOFPRUSSIAPA 148.40 000128 Dec 31 Dec 31 CVS/PHARMACY 1064 PHILADELPHIA PA 30.19 Jan 3 Jon 3 CIC*TRIPLE ADVANTAGE 877.481.6825 CA 14.95 Jon 4 Jon 4 TRUECREDIT 900,4933292 SAN LUIS OBI CA 9.95 Restaurants Dec 30 Dec 30 Dec 31 Dec 31 CHAMPPS #65230 KING OF PRUSSPA 29.84 DAVE & BUSTERS #5 POWERC PHILADELPHIA PA 24.00 7 Dec 17 Dec 17 RUTTER'S FARM STORE #31 SHIPPENBURG PA 54.71 Services Dec 17 Dec 17 PAYPAL *B T AUDIO 4029357733 CA 129.00 Deparknerd Store Dec 31 Dec 31 NORDSTROM #0629 018 KING OF PRUSSPA 99.95 Information For You Shop online, build rewards. Earn 5% to 20% Cashback Bonus at top online retailers such as JCPemmy.com, GNC.com and Royal Caribbean Internalional(R) through ShopDiscover. Just visit Discovercard.com/shop today) Wish you could sort these purchases by amourd, description or category? You can -reeggisster at Discovercord.com to view urchases rcard com/ ov t Di L h s. your purchases ovine as for back as 12 mont . p e sc oom more a bnportant Information. U theta is more than one page to Ills tiding statement, see the track of each page fa additional importent information. See your Cardmanbet Agreement. Yaw Cardrrrember agreement contains all the terms of your Accoett Lost or atoian calla. Report inantalelalyl Call 14100.317-2663. Riling Rlphla tltruuutarx in Casual Eras a Cltueatens About Your Bill U yyoraes turtle ycurbil Is wrong, of fl need more irhbmretton about a fransadion an you bill, write is on a Mmaw sheet of paper of Discover, PO Box 30421, Sorb Lake C.iry, UT 54130A421. u soon as possible. We must bw from you no facer Uteri 60 days tiller we aeM you the list bitI on which the error or problem appeared. You can bbphurie us, but daring so will nor preserve, yaw rights. In your letter, give us the following wortoation: Your trans andAccowa member The dodo wow of the suspected error Desmbe the error and explain. it you con. why you behove there is an error. U you need more infamsson, describe to hem you are unsure about. You do not bare to pay any amom in quesion white we are iwasdgating. but you are still obligated to pay the parts of your bit that are not in question. While we investigate your gvestion, we QvM repot you as deMpueruf a take any w6m a collect to amount youquestion, Special Rate for Credit Cud Pumbesaa: 9 you have a problem with to quody of goods or services dal you purchased with a credit card real you Ism flied in good faith boomed On problem web the merchant you may not have to pay to renaming amount due on the goods or serviom You have ffas protection ady when the purchase price was more than S50 and to purchase,wos made in you have slate or wft 100 mks of yaw moiling address. ill we own or operate the merchant, or d we mailed you the adrertisemedfa the good or saviors, al the pwd hose are covered regardless of the amorist or boelorh of tha purchaso.t Paymenb. Send ordy your payment all the top portion of the stetanard in do envelop provided. Do not send cash. By sending your check as described above, you autwrim us louse Wconratiaron yaw deck to make and slowanie fwd trawler from yaw account at the fsandel fnoiutlon indicated an your check or to process the peymae as a clack transartbn. If the payment is processed as an ebrdrordc find frontlet, the trmWvAl be kX the amount of the dock. When we use information from yaw check b make an oaduom fund tmnskr, furl may be withdrawn from your account as soon as the same dry we receive your payment, and you will notreco ore your deal; beck ham Your financier institution. The pace" of your parent maybe delayed I you send cash, oomespordeme at other iMlnt with yon payment. il you tend 1110 payment b a" offer addriese or U you use an envelope Wwthat rte one provided, Payments reofived in props form at our processing foal by 5PM local One on any day will be credited to your Awant as of that day. Paymads amiued at our processing (achy allm 5PM load lime *9 be cradted byou Award as of to next day. 9 you hove misplaced your envelope, send yotr payment to Discover, PO Box 6103. Card Shasta. IL 6D197-6103. Please ellow 7-10 days for delivery . Ifyour peAnent is refs ned unpaid, we reserve me right to resubmit it as an alecuome debit You son pay your minimum payment or a greater amount ova the telephone, and you can am up automatic pe a sm. Cal us at t-600.3472663. You will reed this statement and your bards account kdometion, You must ensue that sufficient kids am available m your batik aawunt at all transactions; tram comply with U.S. law. You will be asked to provide the fist 5 46 of you awottnt e181em1er4 21P code. By entetig those MMtWs as yourekctrawc signature, yar VA be ==' Bits autmaizelmon 1o Blau os and your bank b deduct each payment you autwria. from your bank account and b frokstle daby or credit ehlfes to your bent; award, to wised emit in the processkg of such payment. You must felt us the smarm of each payment, or you cab soled an amount such as Minimum Psyrnod Ouse or the New Baknce on each dalement You cab cancel a payment however we must most" mice at heal emee busmoss days in advance of the sdaAuled payment You may roily us by phone at 1.800.34744 or by trail of the addressksled in the provious paragraph. U yaw parents my vary in amount we will let you on each nor t ly aelemae Men My payment will be rtede and how much it will be, Yaw Automatic payment em0unt may be less arms the indicated on to worhffiy sw arrant based on aeddsor payments applied during ft U" cycle. Credit Reporting, We may report i tormelbn about your aewrat to credo bureaus. Law payments, m issad paymanls, or offer do" on your aocoun may be teeeaed in yaw crack report. We manly report to status and paynadhaelay of your Account to credit repatng fah . each month. "you believe that our repot is iacc rate a incomplete. please who u s at t,e bltrerblg address: Discover, PO Box 15316. Wilmington, DE 198564316. Please imdude yaw trams, address, home telephone nanrhberand Accarmt n Aber. PERIODIC FWMCE CHAGES. Perbdk Faeroe Charges are imposed on all fraseekons from to date the limeacan is pouted to yourAcm nt until to dab you they your entire New Bodeme, by making payments or receiving credits. However, we will provide thefolaning'graee period' 9you pod the Now Balaca on your perm is billing statement by the Patenen Due Dsla am on tiel saemem, all you pay ffe New Balance by the Payment Due Date am ids statement ere will not impose Periodic Fiace Charges on new pmhesea. tats, purchases fast appeasing on tuft stalemi Otherwise. you wile receive a Meng aralarrent next nro On chat fnctudes Periodic fnare Charges an Ihose new purchases. Thus is no grace period on bafem a transfers or cash advances. We sort your transactions into groups of pwdases. cash advances, and balance boasters and than kinder son the transaaices within each gap by that Annual Percentage Role. For example purdasas subject to a promotional raw and purchases subject to standard rate would be separate groups. We refs to these groups as tawectim dalopes. At the end of eachb&V period, we eompuss Par*& Fumme Charges breach dry at the billing period for each trareaafon category. We use fen folowng equation to conpme Periodic for each transaction category. Average Daily BalartW x nnibBf of days in the bA'ag period x Daly Periodic Raw. (See the fiance darga summary on your stataMm for these arroads.) Then we act up 1ha Periodic Finance Charges for each sdnsadan category to get une feral Periodic Flnaruoe Charges for your Account. The average Daily Balance 6 shown as zero if, becwsa of the grace pabd, no Periods Fiance Charges apply to to balance in a transaction cab", We we Ow Average Daily Below (Including sew lrawactiors) meted of calculating the balance upon which we impose Periodic Finance Chagas. We wlPptre the Average Day Balance for each teueecaorm atagay by adding up all to daily balances in a billing period for a transaction category and dhM%this toW by to number of days in the bilkV cycle. We carpuw the daily balance tot each transaction category on each day by first adding the blowing to V e provious day's dally boars, transactans made that day, kes charged! flat day end Periodic Franc Changes accrued on that day U a thrarwom is posted to you Aocamt offer the dose of the billing period in which it occurs, we will seat ft visaedon as having ommod on the kstday of de billing period in which it is posed to your Account. Al fees Barged to your A=W ore Added to the standard purchase tansadim category with the exception of Cash Advance Transaction Fee Firame Charges whion are added to he transecbm copy and Boars Transfer Trensaaon Fee Finarce Charges which we added to the applicable balance bands: transaction catagoty. When l?ft?ea. we am the unpaid bebnoeof the bakna bans(e and the Balance Transfer Transaction, In Faerwe Charges to the standard purchase transaction category. However. U to special roe let been terminated under, the Dolan Raw Plan, we reeve the lipoid bales e, of IN balance transfer and the Batare Transfer Transaction Fee Fi ems Chagas in be appbe" transaction category unlit the special rote would have expired. For TDD (Tekoommunlea one Device for the Deal) assistance, al 1400.347.7449. Discover may monifa ands record telephone calls between you and Discover representatives for quably asriwome purposes The Disoove"ad is issued by Discover Bank, Member FDIC. OlTBK107 it Pays 10 DISCOVER DISCOVER Go green. Go paperless. NATAUA DE LA ROSA Account number ending in 0453 For P join the Fort to save kees and clean up your moibox. and you con 61P save over 70 million pops up per p year You'll also be helping yourself to 24 months of pc"wordprotecled, statement history, complete with merchant names, locations and zip codes. Go to Dis',caw com/paperless and sign up for Paperless Staternenis today. 02010 Disca+sr Bank, Member FDIC PPRGRN.0B10 Dosing Date: January 16, 2008 page 2 of 2 Finance Charge Summary Salo ce Transfer offer for current billing period: Daily Periodic Rate: 0.02737%, corresponding ANNUAL PERCE NTAGE 1. Rate is subject to the terms of the offer including expiration. Ba Nominal ANNUAL AGE R A Rat ANNUAL ?AGE ? RA Periodic py a Transaction Fee M Baldn es _ A TES TE s w _ current billing period: 31 days Purchases $912.92 30 4 0.07942`Yo 28.99% V 99% V 07942% 28 0 28.99% 28.99% $22.48 $59.29 $0 $0 . Gash Advances $281 . . [i] R The rates that apply to your Account are either fixed (F) or they may vary Mas noted above. QU@Shon$? Manage your account at Discover-corn or call 1-800-DISCOVER (1-800-347-2683). New Balance DISC VER $4,110.56 10 SDSNBMt D007482 NATALIA DE LA ROSA 620 BRENTON ST SHIPPENSBURG PA 17257-2114 Minimum Payment Due Account Number ending in 0453 $111.00 Enter Amount Enclosed Below Payment Due Date $ March 15, 2008 Please make check p ey&6 to Discover Card. You are ovedimit. Pcy the sum of the monthly minimum payment plus the overlimiF amount of $10.56. Go paperless and tnakae your SWOtrrt Inionralton ;mom secure with pasirword• DroWald statements only you can access. Learn more at discover za paperiess. PO BOX 71084 lllsu!lsnusllsllurells! CHARLOTTE NC 28272-1084 Address, e•mailor telephone changetPrint change in space 1.111111411!1111111sill 1usllllurlttlr,ir,llrrltrlarlrlsrl1 above, or go to Discover,com. Print your e-mail address to receive important Account information and spacial offers. 000001986458261760835041105600000000011100 Discover More Card Account Summary hosing Dots: February 16, 2008 page 1 of 2 Account number ending in 0453 Previous Balance $3,835.78 159 95 Payment Due Dora March 15, 2008 Payments And Credits . 00 133 Minimum Payment Due $111.00 Purchases . + 200 00 Credit Limit $4,100.00 Cash Advances . + 00 0 Credit Available $0.00 Balance Transfers . + 101 73 Cash Credit Limit $2,200.00 Finance Charge: . + 0-0 56 4 Cash Credit Available $0.00 New Balance , , You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashbook BonluO Opening Cashback Bonus Balance $ 30 30 New Cashbook Bonus This Period 20.00 Redeemed This Period Cashbook Brmus Balance 3 13.58 Coshboda Bonus® Anniversary Month: January Cashbook Bonus(R) is America's #1 Cash Rewards Programl Full 5%Cashback Bonus on Get More purchases in popular ca des hb k `? C oo as throughout the year and up to 1 Bonus on all your other purchases. How Can We Help You? ' Visit Ac o Account t is pay your a for ne `ro 1" view r blest Account information, earn and redeem rewards and more It's your choice - 3 WtTyS to help 2. Cal 1.800atSCOVER (347.2683) For fast, easy "I-service options or to speak with a Customer Service Account Manager Please have your Discover Card avail". 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 UoWty Guaatfee Use your Discover Card with confidence. p le PDa s Payments and Credits Feb 4 Feb 4 INTERNET PAYMENT THANK YOU $ 130.00 Feb 8 Feb 10 TRUECREDIT 8004933292 SAN LUIS OBI CA •9.95 Award and Rebats Credits Feb 8 Feb 8 REWARD REDEMPTION CREDIT .20.00 Merchandise/Retag Feb 3 Feb 3 CIC•TRIPLE ADVANTAGE 8774816825 CA 14.95 Feb 4 Feb 4 TRUECREDIT 8004933292 SAN LUIS OBI CA 9.95 Travel/Entertainment Feb 10 Feb 10 TICKETSNOW ROLLING MEADOIL 108.10 Cash Advances Jon 22 Jan 22 CASH ADVANCE CHECK #0209 200.00 -^neen-f Ian 22 Jan 22 CASH ADVANCE TRANS FEE FINANCE CHARGE 6.00 Information For You Use your Discover(R) Card to make a $150 donation to The Stahre of UberlyEllis Island Foundation, Inc. and you can have the name of someone you care about engraved on The American Immigrarrt Wall of Honor(R), built to celebrate freedom and commemorate American Dreams. For more information, log on to Discovercard,com Wish you could sort these purchases by amount, description or category; You can - reg'star at Dlscovercard.com to view your purchases online as for back as 12 months. Learn more at Discovercard.com/purchases adonaation. impottad tidatnstbn. U there is more than one pope to Uhf bS'eop statement, see be lasdk of each page for ed&iorol iaportert See your Cardmentleir Agreement Your Cardmenbet agreement contains aid the tams Of yaw Account. LOU or stolen cards, Report ammeMM Y, Call 11.600-347 853. Btlbrg pgft Summary. n Case d Enas a QuemiorhsAbmA Yoe BA, U you tdntk your bib hs wvafg. all you need more kAotmetiah abou a traroactron m yna Mll, is us on a separate sheet d pow at Discover. PO Sox 30421.69 Lslro City. UT $4130.0421, as soon as possbk. We" h? from you nolekr than 60 days afkrwe sent you the first bill on wtoc h #a errs or problem ppesred. You can telephone us, but doing so will nor preserve your rights. M your later, give us the following miormaton: -Your new andAccountnumDer The do* amount of the suspected amt Describe the emar and sxpmn, d you can. why you believe thane is an aria, if you reed more edamaOan, describe the Rem you are unsure about. You do not have to pay any, amount in 9uesYon while wa are investigating but you are sun Oblgeted to pay to pads of your big that are trot ter question, k41de we investigate your quasMwecannotreport youasdakrquentortake anyaction tocollect toamountyouqua llm Special Rate for ends Card Purohist e ; t you have a problem with the quality o (goods or services Orel you purchased with a credit card and you bee fried in good With ?reect the prd*mwith the tnadent. you may riot havo to pay the mintaag arlowttdo on goods or U senrioes. You we own or °Pehi thespri Nway het pu 0haepriOwas fattw good to purchase was made or your purchase state home Will emike of your tang address. l good or services, all the e of the mamt or location of the purchase.) Payments. Send only ynur games and the top portion of the statement in the ennbp provided. Do not and cash. By seeding your deck as described above, you authorize us to use irdamefian on your check to make and ekwonb bed asrsferlrom your acoaad at the faenad nsdulon indicated on your d adk or to process the payment as a check uaseation. g the payment a processed as an electronic fund transfer, the tiaeterwit he for the amount of ft check. When we use Wormetim from your cheek to make an nencel et dvk fund transfer, funds may be wrodrawn from youraccoura as soon as the some day we (some our payment. and you will not receive your clack back from you n ITISMOs, The pro-sing of your payment maybe dalaysd R you nerd cash, orsw4onderm of othar OemsYA paxpayrte(d. A you send the payment to any other address or 9your use an envebpa Payments other than the are provided. received in proper form at our proaeseg 1ardAY by SP4h local time on any day will be aodaed to your Account as of that day. Payments received at our processing facility after 5PM hated tins tdR be credited to your AoaW(s as of the raid day. 8 you have misplaced your envelope. send ym payment to Discover. PC Bar 6103, Corot Stream, IL 601975103. Please allow 7-10 days for delivery. It you payment is returned unpaid. we reserve the riot to resubmit it as An otec4ahfcdebt. You can pay your minimum pairmenl or a grantor amount over the telephone and you can set up automatic payments. Cal at at I-M,3472683. You will need this statement and you bank aoctow mlormekon. You must answer Met sufficient hinds are available in your bank account, end all transactions mast comply vAM U.S. fora. You will be asked toprotade the first 5 digils of you account statement2Ux code. By entein those numbers as your dearonic siPtmure, you vat be agreeirg to M von taireton to allow us and your bank to deduct each payment you afteo from you befell account, arc to Witars dabs oras&t entries to your benk account as a ppicabb, to meet ems in the processing of such You must lei us.the amotatl d each peyrrea, a You can select an amount such as IANmt m Payment Due or the Now Balance on each statement. You cancan0el a payrrhan, however we must rocdve rid ce o least Ogee busrhecs days m advance d the ectradr*ad payment. You may nosily us by plane at 1800, 4' 72683 or by mad at The ?dese tested n the provlas paePaph• liar PaYstamte rte(vary m arthount vn wit te11 you rah each rrtoraMy oalentaa when yew payment will be made and haw much it wall be. tow AWOrnaOc peytnent sncuM mat le teas aher tloe ndwated on tun monthty etekmem based an credits a peyfaenSs applied during the biting cycle. ou bole" on your report may be receded in your Credll Repordnp. We troy regal innnormekon abaR 1rour acoarn lo tredh bureaus late peyrrhentc, missed peytmaras, or Other cretin mghod. We nomtWy report ths tteas and payrrnent lhfstay d you Accra hn te credit reparltig egehtaeseadt rnoona U you belive to our report is bar and or n, please write us m Oro 1a8w,prg adOreas: Dhswvor, PO Sox 1531b, WRmingtab, DE 196505316. Please induda your name, address, home tetelnhore number and Account M number. PER1pDIL FINANCE CHAGES. Porlodic fironce gtergec ore imposed onat transactions horn S e date to tiatsedwnh is posted to your Account until the dine you pay your ante New Balance, by wdwq payments or race ving credits. tlavrevor, we wi praYlde the bOarinD was per AYogPaid the New Balance on you pw&w biting slatazmeMby His Payment Due Dare shown on trot staternew and you pay tlY New BalahcC by the Payment Due Data on this statement we will not impose Periodic Finance Charges on new pachaeee. flat is, purchases hrstappearng on this amenw(n. lxterwise. You will receive a bNng statement MM month that includes Periodic Finance Charges on ease new purchases. Thee is no grace period an balance Mates of cash advauhoas. of purchases, advances, and balance transfers and Own (ether sod the uarhsactons vA'W each WOW by tale Annual Percentage Rate. We sat yore transactions into promotional ma and purchases sulifect to slur lard rate would be separate groups. We rata to thaw groups as transaction categories. AI the For end of each examplep billing urd Paion, obj We ecteebe oompde Perdic Fmmuce e Charges la each dchday of the Ming period fa each Irarsactaat category, We use the folkavahp squat ion to compute Periodic en Periodic for each transactor calegoty. Average Daily Beterroe x number of days in the bPug period x Deily Periodic Rare. (See the franca charge summery on your statement for these emtannia.) Then we add up the Perio& Finance Chhafgst for each trahsecAOn category to get the told Pollock Fine =gorges for your Account. The swap Dairy Balance is shown at zero t. because of to grew period. no Periodic Finance Charges apply to tw balance in a nanaBetiat eategory We use to Average Daily, Balance (ncu& g now'trensis ioro) method of wkulang the balance upon wfikhh we impose Pario&c Finance Chagas, We compute the Average Daily Sawa for each lensa;AOrs calegary by adding up all the"bela ces in a billing period for a tiansafroh eatagoq and divdng the totat by the number of days in the billing cycle. We compute the daily balanaeW east benserd°n category, on sun day by OW adding the following to Ore previous day's daily balance, transactors made that day, fees charged that day and Periodic, Finance Chases accrued on flat day. It a Irawaaem is posted to your Account after the dose of the Ming period in %hidh t occurs, we will treat the tfanecum as having occurred on on Wirt day of the billing period in which it is posted to your Account. AN left d"Wilitil to your AomW an added to to standard purchase transe cion category Win the awepfan of Cash Advance Transaction Fee Finance Charges which are added to : the al We trancacaon calagory and Baace Transfer Transaction Fee Finance Chagas which are added to the Mlicable bdm fraiefer transaction category When ercpies, we move the urpad b aarce d to balance frontier end the Balance Ttasli r Transectim Fee Finance Charges to the standerd purchase transaction cmagory tiowsm, R the special fate has beentemivoled under tut Default Rata Pen, we tem the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Chagas in the splacabler tiarSakfon caegory unlit the special rate would have expyed. For TDD (Telecommunkkatlons Device for the Deal) assistance, cat 1$00.947.7449. Dim w may monitor srhdior record telephone was behveen you and Discover representatives tow quality assurance purposes The Discover° card is issued by Discover Bank, Member FDIC. 01TOKI07 DISC:.MER NATAUA DE LA ROSA It pays DISCOVER Account number ending in 0453 Go green. Go paperless. loin the effort to save trees and clean up your mailbox. Just sign up for Paperless Statements and you can help sous over 70 million pages per year. You'll olso be helping yourself to 24 months of password-protected, statement history, complete with merchant names, locations and xqs codes. Go to Discoyercom/paperless and sign up for Poperless Statements today. 02010 Dircavw Bank, Member FDIC PPRGRN.0810 Closing Date: February 16, 2008 page 2 of 2 Finance Charge Summary Balance Transfer offer for current billing period: Daily Periodic Rate: 0.02712%; corresponding ANNUAL PERCE NTAGE WNW Rate is subject to the terms of the offer including expiration. Nominal Transaction Average Daily ANNUAL da PERCENTAGE a Ra e i a ANNUAL RA? AGf Periodic Fee FINANCE B l es $ en current billing period: 31 days Purchases $969.59 0.07668% 27.99% V 27.99% $23.04 $0 Cash Advances $3057.68 0,07668% 27.99% V 30.88% $72.69 $6.00 s 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 11.800-347-2683). New Balance DISC VER $4,264.29 is SDSPt8AO1 0007463 NATALIA DE LA ROSA 620 BRENTON ST SHIPPENSBURG PA 17257-2114 Minimum Payment Due Account Number ending in 0453 $222,00 Enter Amount Enclosed Below Payment Due Date $ 1 _- April 15, 2008 Please make check to Discover OGqrdd, l tf f * h y 0 mon r e sum o You are overlimit. ay t poy wwd pWs the overlimit amount of 8 ? Z1 Oo peperIess and make you account intonnation more secure ,*h password- protected staff only you can access. Learn more at discover.corntpaperless. ha.alid Pa BOX 71084 ill.. 1111118.11141 CHARLOTTE NC 28272-1084 Address,e-mador telephone chonge9Print change in space Iulrllulruldla.alt.irluIIIIIInrlulaalarllral.rlrtlslnll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 1700001986458261760835042842900000000022200 Discover More Card Account Summary Closing Date: March 16, 2008 page 1 of 1 Account number ending in 0453 Previous Balance $4,110.56 00 0 Payment Due Dote April 15, 2008 . Payments And Credits 76 00 Minimum Payment Due $222.00 . Purchases + 00 0 Credit Limit $4,100.00 . Cash Advances + 00 0 Credit Available $0.00 . Balance Transfers + 95 73 Cash credit Limit $2,200.00 Cash Credit Available $0.00 . Finance Charges t New Balance A -W, 284'29 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 13.58 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 13.58 Coshbock Bonus® Anniversary Month: January How Can We Help You? 1 vases Discow.cons Information, to pay your bill for no east, view our latest Account t information, cam and redeem rewards and more our choice - 3 ways to help It's 2• Cog 1.800-DISCOVER 1347.26831 for fast, easyselkservico er ice Account Mana S t C h k y g erv omer us wit a options or to spea 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 $4130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Other/Miscellaneous Mar 16 Mar 16 OVERUMIT FEE $ 39.00 Mar 16 Mar 16 LATE FEE 39.00 Information For You " ` ATTENTION Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. d§gNWp Charge Summary Nominal Transaction Average ! a ? B Doily R eodtc ANNUAL PERCENTAGE ANNUAL PERCENTAGE R ES Per nc Fee FINANCE ces a l RATES AT current billing period: 29 days Purchases $992.66 0,07942% 28.99% f 28.99% $22.86 $0 Cash Advances $3163.94 0.07942% 28.99% F 28.99% $72.87 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. important information. ll there is more Vier one page to Uds billing slatemard, see the back d earth page laaddilwnal important irdormatwn. Sae your Cafdmember Agxewrowl, You Cadmembaragreerror t contains am the tarns of your Account Lotoretolen.eado.Report immedialdyll Call i• -347-2683. ON" RW6 Surdmary. in Caen of Errors or Questions About Your Bit N you prink your bill is vanog, or Nyou need more Worindtim show a transaction on your bill, write us on a separate sheet of paper at 0iiiiiarver. PO Box 30421. 69 be tell ?, UT 04 doing o wB?not pras sow as possible. e usual eserve our rights, In your letter. givIran you no later it= 60 days e us it* Wowing infonne?er we sent you the first bit on which the era or problem m appeared. You can Your nano andAaard numbor The dollar amount of the suspected error Desprbe Vie error and explain, t you can, why you believe there is on era. 9 you need more intaanetien; describe the item you are unsure abort. You do riot have to pay any amount in questiar while we are inwslga ftg bur you are sup obligated to pay rite parts of Your N that are not in question, Y"a we investigate your question, we cannot report you as deli Ism! or take 91 action to called the ancunht you question. lem Cud PuTClhuea: N you have a pabkm with Ire grakty of goads a serv ces firer ya purchased vA a credit card and you have tried in good tabu to correct ndt gal probwih ire merclaM, you may rat have to pay Vie remeriug anahatdhx on are goods a tetvhces. You thve this paced on only when Ore padase pica was more than 550 and rte purchase urea made n yaks horse stale a suntan 100 rites c your taaAng address. (N we owns operate Ina merchant, of 8 we mailed you the adveitisemeM fat the Special Rae '"C good a aervicea, all the purdnnce are covered regaAess d One amamt a tocefiah d the phrclhase.) Psymtnls. Send only your payment and the toppation d as stetenheal n me omrebp provided. fk nos send cash By sending your dock as described above, you auanoize us to use inbrnation on your cthscc o make erhd eledrahicfund sander i on your acct ahtal the finenda iratituhion ihhdrated an you dick or to mom the Payment as a check thhan adios. ll Ole peyn'fund essed as an ekcaorio had trmafer, 0a vaster w ll he fa Oa amouinot Oro dhedd, wibn we will not receive check check to born your 6naruial dectraltie fwd irarsfas may be wtadrawn horn your aaount as soon u the same day we receive your peymernt ? You your institution. The processing of your payment maybe delayed if you send cash, muespondence of other items with 91b paymaN, N you sand Ore payr,rint to any other address or t you use an envelope other than the one provafed. Paymanls nomMol In proper toot at our processing tatty by ra tans ail arty day wN be adided lOyour Account as of burl day. Payments received at our processing [Do* after 5PN local time will be aedaad to your Amount as of be nett day. 0 you have ?rrhb? ?? ? ° Ir resubm , send you af?ot to it as Disoovet PO 5%6103, Card SUa in, 1L 60197.6103. Please cow 7-10 days for defwery. If your is totumed etedronic"t You can pay yax minimum payment of a greater amount over the teiephone, and you can sal up automatic payments. Cog us at IMC-34726EX1. You wig need ttis sir ent and your bank account mformakon. You must ensure that o lfidad kads are available in your bank amount. end all transactions must comply with US, law. You wit be asked to provide the 61615 4a of you account stalementt ZIP code. By entering those numbers as your electronic signature. you will be agreeing to No authorization to allow, to erxi your bank to ded'urd each payment you athaae from your bank Omni. and to initiate debt or ore* entries to your bank acoohmt, as epplic e, to corfed eta mda processing of such payrant. You must tell us the amout of each paymert, or you can salad an amount such as Minimum Payment Due a due Now Balance on each statement. You can critical a paymaN hhowever vre hnustreceivo nohice alleest three butt days in advance d Oo sdsduled poy neni-You may no* us by phone at I.800.347-2683 or by mail at to ad6ew fisted n Oa previous paagraph. N you paynarts nay vary n amount sus will loll ya on.sadr n>onlNy 61alatnenI when your payment Pda be made and how much it will be. Your Whbnnatic payrnant amount may be taw than 0te tic baled on the nor a4y akaemant besot on ored s or payvrants applied during ft WWII;; cycle. C[odt Reporting. We hdayreport kdannedon show your ecmunl o veukE bssauc. Late payments. missed paymams, or other cialoulls on your account may be refteded in your numb aedt report We ramhafy repot M atsOn end payment hisrony of you Aocaml te hire tt rapabg ?genc es each rna?t. N yourebefim 90 ss cur spat is inaccurate or incomplete, please vrtite us al the following address: Oisoovw. PO Box t531fi, Wikniangton, I? 198505316. Pie induce your name, address, how me telephone number and Account number. PfR?fNC FINANCE CNAGES. P rrhOtkc France Charges ore imposed fNl uensealotnc from Oa date ire bran sGiern is posted to yourAccamt unit the dale you pay your entire New Balsas, by making peymonte or receiving aedits. However, we wit t o 1Ae fobwin9'tlsece peed" N You paid Vie New Balance on your pervious bitting statement by der Peymard Due Date efhow+n ort cat statement. W you pay der Now Balance by the Payment Due Dale an this slaterlant we will not impose Periodic Finance Chageson new purchases, that is. purchases fast appearing on ride statement. Oft errkise, you wit receive a biting statement next month that includes Periodic Finance Charges on dose new purchases. There is no grace period on balance !rasters or cash advances. We sat your trease tors No Wale of purchases, cash advances, and balance transfers end than kaOher sal the transactions wifkn each group by their Annual Pefcadege Rate. For example pudhaw eebiad to a penal aha few and purchases snbied to standard rate would be separate grove, We refer to thesegroups so bansackon categories.' At the end of each dialing period, we compute Periodic Finance Changes for each day of Vie billing period for a" transaction category. We use the following equefion ow#Ae Periodic for each bensiall n milegory Average Daly Balance x number of days in the biting period x Daily Perodc (Tale. (See due finance dart's summery on your statement for these emo his.) Then we add up to Pollock Finance Chagas fa each Uansectnon category to get the total Periodic Finance Chargers to your Account. The average Daily Balance s shown as z= it because of rte grace period, no Period ix; Finance Charges apply to the baWae In a transaction category. We use the Average Daily 8aence ('anck/drhg new transactions) maifwd of calculating the botenos upon which we impose Penult Finance Charges We compub the Average Deity Balance fa soon transaction, ealogo y by adding tip all Ube deity baa dies in a fe'Iqg period for a Uasekbon category and dividing the token by the numbs of days in the billing cycle. We comp is the deYy balance for each karsaa on category on each day by first adding the blowing to the previous days dally balance. Uansaaaa medal trot day, fees charged tat day and Periodic Finance Charges accrued on Viet day. N a transaction is posted to your Account after are close of the billing period In which it occurs, we wit treat tine transaction as having ocartad on she first day of the bating psrkid in wtaoh i is posted to your Account. AN ices charged to you Account are added to to standard podase transaction mi0gory with the exception of Cash Advance Transeeton Fee Finance Charges Own are added to . gal oploon 8anseWOn category old Balance Transfer Transaction Fee Fine[roe Charges wdreh are added to the applicable balance transfer trBlasdan category Wherd we move the unpaid balance of the balance transfer and gal Balance Transfer Transadwn Fee Fmorrce Charges to the standard purchase tragsactiat category, However, if der special rate has bean terminated under the Defaal Rote Plan, we leave ds unpaid balance of the balance transfer and ft Balance Transfer Transaction Fee Finance Charges in gal eppik" transaction category until she special date would have expired, for TDD (Telecommunications Device for the Deal) assistance, call 1$ig•347.7449. DwISCPlef may monger =Yor record tokiphone calls between you and Discover ropresentetives for quality assurance purposes The Discover" card re issued by Discover Bank, Member FDIC. OIIBK107 DISC °VER $401.61 16 SDSN6A0) 0007464 NATALIA DE LA ROSA 620 BRENTON ST SHIPPENSBURS PA 17257-2114 Minimum Payment Due Account Number ending in 0453 $119.00 Enter Amount Enclosed Below Payment Due Date $ 1 ? 1 May 15, 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 discovercomlpaperleas. PO BOX 71084 111sss11ssrtrs111111Issllrl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space (rr r (InlruWill fill lrlbill1lurlrr1rrln1Iululnli11111 above, or go to Mcover.com. Prird your e-mail address to receive important Account information and special offers. 000(101986458261760835040576100000000011900 Discover More Card Account Summary Closing Date: April 16, 2008 page 1 of 1 Account number ending in 0,453 Payment Due Date May 15, 2008 Minimum Payment Due $119.00 Credit Limit $4,100.00 Credit Available $42.00 Cash Credit Limit $2,200.00 Cash Credit Available $42.00 Previous Balance $4,284.29 Payments And Credits 330.00 Purchases + 0.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 103,32 New Balance o $4,057.61 You may 6e able to avoid Periodic Finance Charges, see the reverse side for details. Cashback &muse Cashbaek BonusO Anniversary Month: January Keep building your rewards with every purchase. Start redeeming once you reach $20 Coshbock Bonus(Rl. Opening Cashback Bonus Balance $ 13.58 New Cashbock Bonus This Period + 0.00 Cashback Bonus Balance $ 13.58 co, view your How Can We Help You? 1 Visit Discover com to pay your 6M for no st p latest Account information, eam and redeem rowards and more It's your choice - 3 ways to help 2. Cali 1-8MDISCOVER 1347.2683) for last, oozysolNervice options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Cord, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Soft take Clty, UT 84130 Transactions $0 Fmud Liability Guarantee Use your Discoverer Cord with confidence. Trans. Post Doh Dale Payments and Credits Apr 4 Apr 4 PHONE PAYMENT THANK YOU $ -330.00 Information For You Through generous Cardmembers like you, Discover(R) Card. has.dorxsied almost $16 million to the Make-A-Wish Foundation(R). Consider contributing your Cashbock Bwws(R) to the Make-A-Wish Foundation to help make a child's dream come true. To hither your donation, Discover will odd an additional 20%. Visit Discovercard.com or Wish.org TIf1RfiCt3 Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fes Sakily i 3 ance Rates ie PRE ? TAGE PRE TES CHARGES CHARD E ?AB? current billing period: 31 days Purchases $956.47 0.07942% 28.99% f 28.99% $23.55 $0 Cash Advances $3240.21 0.07942% 28.99% F 28.99% $79.77 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. Visit the Discover inwranee Center to find high quality protection for your family, home and auto. Request a quote online or use the Knowledge Builder to read what the experts say about popular insurance questions. Visit Discover.com/insurancecentertoday. Impaid"t information.I owe is more that one page to this b•Ileng statement, we the back al each page to edddionel anpociant id0murtiM See your cardroember Agreement, Yoe Catdmambar agreement contains oil the win$ of your Attousnt. Load or stolen cads. Report immada sly! Cat 1$00.3'174683, bit, write us on a tranaterfion on yaw Doing R1g*n Summery. In Case of Errors at Qum*- About Your Bit: 0 you t** your bal is wmahg, or ? trarst tree from You gtena 611 Ys lar we sent you the fast bit reed more about separate street error pop bl appe PO Box c30421. an (91Sek Lake l? UT 64 soWil rat pras MR as Possible, - essure your rights. In your seta. give - the 4 own p inbnnatiorr on vdrdh the errs or Pro blem m appealed. You can telephone us, doing Your name mid Account number The dollar ~ of the suspected aura, why you Deacalie the error and explain. I you can there is an am. If you need more inlamation casette the dam you are unsure urban. You eb not have to pay say amount. in gnnasaon vAre we am invas§getkup, but you se sal obligated to pay to pans Of your bill fast am not in wuostron. While we investigate your question, we wm mporlyou as deinquenh or take any action to collect the amount you question. Special Rate for Credit Card Purchases: t you have a pcoblemwith the gnblity of goods or services thin you purchased wilh a credit cad and you have pied in good tale to correct the prablem with due merchant. you may not bave to pay he remaking savant due on the goods or services. You have the protection only when the purdsase price wait more than S50 aid the paohase was made in your home state at wink, 100 miles of your mating address. (If the owm or operate the merchant. ail we paled you the adverlisemetu for the good or services, all the Purchase we covered rapidness of the amount or location of the pucian e.) ntlhoize us Payrrerhtt. Send city y PaY eM the raP patron of Iva datemenh in One erwebp provided. Do riot send cash By sending your deck as described above, you a b use idamatbn on your (heck to make and, electronic hind ranew tram your aaouM at he finantid iosbkdion indicated on you check a to Process the pymem as a check transaction. It the ppmmyyrrnenl is prosssed as an electronic hard treamht the Vamler wo be la the anoint of the check. When the use rdamatlah *nm your dredc to make an eledroiw fund renskr, funds may be withdrawn from your account as soon as Via same day we receive your payment and you YA not receive you check bade from your financW ms6Ki5on any other address s or gyp rise an The piocessktg at your paymerd maybe delayed if you send cob, ? or other tans with your payment, If you sand the peyrreM to Aooauil8 of Mal day. Payments received In proper lam at our processing U* by 5PItl kxd time on any dayvA be wedded to your rubpace envelope other than the we ceided•fep?y envelope, Payments O man* Sm Bak at our aroassmg 60 SPM Piet time wW be credited to yoaAccaiM as of Ore tkadaai of yun? ewe reserv a the riot to resubmitend It s an yment o Discover. PO 6103, Cad Stream. !L 1975103. Pismo allow 7-/0 days f adekvery, your Payment ret it"onic debt Cat us at 1500.3472683. You wtl need the statem d d swan YOU cat payoyntrcarditttortnetian. miamam peymenl at a greater amount am the tele0aw. and you can set tip atom* psymmis with U.S. law I r You will the asked b prnda Y? batik a You must ease that stdhdeM kids are avedeble in your batik account, and dl transactions s? to om ly with U. at to atiav us and your lair to the lash 560 d you aceara ON"" ZIP node. By entering those numbers as youretecbontc soist re. you ms ? b. In carat and b s o processing of s an d>Mict each paymenlyou adYcr¢o tom your bankaxokat. and selecte dobil or asdd mates to your berdk account, the Now Balance on each Budersaa. You can cancel a payment You mrwt tea us the asnotrt o(?ach peyrrent a you can n salad an atnoat such or Mininunt Payme Payment twwevs we must receive rn at 1eas1 three bnprreee days in advance of Ole adhethrled PeynrwN You mayrus by pie at t be47. de and by rued at he t w t be. it when c ess naiad lo iM previous paragraph t You peytrterta may vary n emorxnt we wlf leg you ou each magity 518lertas your payment will made and W muds A ng cyder, Your Aulana? payment atcure may be Lass then She sricaled on the moraNy atelement lased on orafas a paymont eDpb? during g the bilfM be CRd ti ReporiMg. We rhhay repaR teased paymam, or allies details on your aocaat may, be re8ectad in your nrtfamation abou your eccotmt basdd bureaus tme papnads. ides each monln. 0 t you you believe that air repaM1is xsactxnab a noomplele, sect report. Yve rwrmaly rePat One atakn and pa M lnetorY d you Aoceunl b wed l repor/ng ergs pease writle uc at rtx fofktwing address: Drooover. PO Box 15316, tnrdiagngbn, DE 19B`.AS316. Please andude your Wane, addiess,lenhe telephone mamba and Account number. PERIODIC FINANCE CHAGES. Periodic Finance Charges; are imposed on all Uansecticnc than to date the transaction is postal in yourAccount undil the date you pay your entire Now Distance. by m sting psymads or receiving credits. Fsoariuer, we wg pOtsde The follawkhg'p acs Datkaf II you paid On New Balance on your Pervious billing statement by the Payment Due Data annum an Mad stalemeN. and you pay the New Balance by Ile Payment Due Date on this statement wevil not impose Periodic Finance Charges oil new purchsses, that's. pwdhesm first appearing on th$ statetnt Ol ertwse, you 41 receive a txlmp statement read mortal that includes Periodic Finance Cliarges on those now purchases. There is no grace period on balance *anslers or cash edvanons. their at Annual t'arcertage Rate. We sat your VarascW4 into groups of purchases, cash advances, and balance transfers and leak further son the banswions within each groua bs Yh calegaio le Re end of each b a agqllOnal tote err purchases su*ol to standard rate would be separate groups. We rota to these groups transaction Periodic For example n"p o sss .wed p for each day of he bging period for each trerlsadon category. We use he tolowrg equation a%" er sat tion category. Average Parodic Finance Chagas In The b*V period x Daly Periodic Rate. (See the finance derge summary on your statomeal for these each amounts.) Then Periodic Day Finance Charges xges far la number of each days tranea doorn category to Osl ft total Periodic Finance Charges for your Account. The average D* Balance its for Then we c adadd u upp lie Average e shown as zero t, because of the grace Pend. no Periodic Finance Charges apply to One balance in a uar"clion category, maw transeclions) method of celmlaGng the balance upon which we impose Periodic Finance Charges. We aonynute the Average Daily ' rid dividing the brat by the mauler of days in the hlkng cycle. Vye tree tM Average l? y Bolahce (khdud ng th a e hraccac4ai a1Y BalerrcR eeeA 4eneadcn ad6n0 m each der fret Ova fotlewvtg ro the iliac ous day's dally balance. transactions merle that day, fees charged We tout pufe ire defy balertce la seen kansectlau cabgory Y bY• ell that day and PandK Etienne Charges accrued on that day.lfa uensackori rat pk>Swd ro you Account star ma close of the billing period to vrttidh it owns, we wAl toast ft transaction as havrug o worried on tM hat day d the b lug pariod'n wtakdn t le polled b your Aaount which are added to Aa Atuart areadded b Ohs eturad pudhasa uareacaan cabe9orY with the arcePfan of CashAdvance theFee lanauca Charges; whi vanoa earvsackon natagay end Balenoa Ttensla Tronaactiran Fee Fshance Chargeswhhxh are added a the applicable ce h r belenca tionsfer Purchase category,. ? barnseck0n When the apecnel tale eypiat.wa rrheve th trper balanpe Of Ole baler ca aarlElef ad le T?nsla of the balance transfer and d tto die he Balance standard Pu Trans nsaci on Feegay Howava, B ile gpesal rate het bean tsmntnsed t able IfBnsactinn egay the special in% wotM have expired. Fee I'M' Charges in toea ppk ca For TOO (Teleeommunlcallon t Device la dis Deaf) assistance, all 1.800.3474449. Discover may motile ardor recordteleptans nets between you and Discover represenistwes for quietly assurance purposes The Disoavere card is issued by Discovs Bank, Member FDIC. 01TBK10T New Balance DISC VER $4,035.21 Minimum Payment Due $113.00 Account Number ending in 0453 Enter Amount Enclosed Below Payment Due Date $ June 15, 2008 Please make check payable to Discover Card or pay online 0 Discovorcard,com. 16 SDSN6A01 0007465 NATALIA DE LA ROSA Go pape flegg and make your account information mom secure with password- 620 BRENTON ST protected statements only you can access. SHIPPENSBURG PA 17257-2114 Learn more at dfscovercardpapesless. PO BOX 71084 l{Irnl?rnrrrllsllrrnllel CHARLOTTE NC 26272-1084 Address, e-mail ortelephone change? Print change in space 1111 111111111111111111 ullnt1111sr11ifIII above, or go to Discover.com. Print your e+nad address to receive important Account information and special offers. 000001986458261760835040352100000000011300 Discover More Card Account Summary Closing Data, May 16, 2008 page i of i Account member ending in 0453 Previous Balance $4,057.61 Payment Due Date June 15, 2008 Payments And Credits 120.00 Minimum Payment Due $113.00 Purchases + 0.00 Credit limit $4,100.00 Cash Advances + 0.00 Credit Available $64.00 Balance Transfers + 0.00 Cash Credit limit $2,200.00 Finance Charges + 97.60 Cash Credit Available $64.00 New Balance = $4,035.21 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashbock Baas Balance $ 13.58 New Cashback Bonus This Period + 0.00 Coshback Bonus Balance $ 13.58 Cashback $onus®•Anniversory Month: January Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bomus{R). How Can We Help You? 1 Visit Discover com to pay your 61 for no cost, "e,," latest Account information, Isom and redeem rewa s and more Ctrs your choice - 3 ways to help 2. Call 1-B00.01scom (347.2683) for fast, easy self4ervice Please hove Discover Card available. your options or to spook with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 309A3, For TDD (assistance for hearing impaired) we reverse side Salt Lake City, UT 84130 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. Doh PD011 Payments and Credits May 15 May 15 PHONE PAYMENT THANK YOU $ 120.00 ERIMM6 Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL eriodic Fee Daily Periodic PERCENTAGE P??CENfAGE E FNANCE Balances Rates RATES RATES CHARGES current billing period: 30 days Purchases $777.07 0.07942% 28.99% F 28.99% $18.51 $0 Cash Advances $3319.61 0.07942% 28.99% F 28.99% $79.09 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Important Itdontradon. if there is more than onw page to this bbkng statement, we the back of each page for addtimal importaml itmneim. N Q D See your Cnudmember Agreetnerht Your Cardmer"Agreement contains et the lams of YM A0009111, 0 Lost or stolen cards. Report InanedretetYl Call I-M3471663. st dQBr m k6muslon about no W tan " Ow we ant a 60 M your blill you the to US lost Obill Sitting Rlghts SumanM. In Case of Enure or Qtmsfom Abort Your BR: If you mink your bid is wrong. ad you food n on you . °0 mi M your letter. give us th 1o"ng Bdomtarion: the separrare sheets paper at Discover. W can telap ?ha u till doing so wtll pa as rv sow y?ax r dgp Y ts ear m a bl ?'^ w" pp e vAhidn ft enact pro .Yournone andAccouta number. The dollar amount of the suspected error Describe fie error and explain. if you can, why ymbekeve, time is an ans. U you need more inlarmakon, describe the item you are unsure swot. v White irtvecdgate your do to have to pay any Know In question while we axis nvesb9a1it9.Iw1 you we std obligated to pay the parts of yourbY met are not in question. Y ou Egon, we cams report you as delincluentor take any action to coded 9e amount you qurestan. d a st rvwes nor you purd>ased with a credit card. and you have tried in good fans to cooed Speclat Role to Credit Card P+xdaas: 9you have a problem mMh Use gusMY when, go purchase, pjoa was more than 650 Y au a this iM m amount due m Oe goods or aevwes d ? ae we ? r g .? you to advallsemem for the goods or to Pam wndn qw meanarw: You may not have to pay Una rem merchant and the pucteee vas made in you home stale or 1MlIM t00mdes d your n,1aWrg address. { servicos, et pwcleses era covered regsrdess tithe emouantor locator d padeese.) check us to Paymanb. Sand sty you paymtnet end lho top portion or tin slatemem in tee envelope Provided. Oo rat send ash. By eaour di your trade described above. you authorize ore a clack tra ansr rn pro ocess leWamo loaf Uansler ban you acataht a O e famndal ahstiation indicated en your a sfer d t k f , ele a hm o r nore r n , w use idanealion m your dedu tomare en e hs as en electwitc hod tansler, Ile lianefer wsble fa Nis amount m to ctodc. When we use kdamatax from yourdedtto make an abara YOW check teat Ill your fnaolel imallpmial. t PsYaisnd Pr od m wdl rat teceke idhd'awn lean yea account a cam as the cram day ww receive your peym t, and You b d e e s may for sh. oarespomdemCe a owner items ev N you paymnert. • youScud d*paymentroartyetheraddressaayouuseton The 1rocuessirg of your paw may be delayed ayou acid ca d tomsitg lal by 5PM &A firm on any day will be credited m yourAccount as of that day. Payments at our l p am envelope other Onah tie one provided. Payments received in proper received at our processing featly alter 5PM iacd lane will be credited to your Acamd as of le next day. 0 you have omspatoed your anwetope, send yourpsymerd to Discover. PO Box we reserve the right to rasubrmt h as an electronic debit. ment is returned unpaid , 6103. Cad Stream, t. 60197$103. Plains allow 7-10 days for delivery. V your pay You can pay your min mum payment or a greater amount ova to telephone, and you can set up automatic paynmas. Cat us at i4&347•2683• You wig need this aataeent end your the ast all e t be , bank aaotmtnrormatan. YOU must ensue thane sudkaart hands are available in your bank accoun agreeing, to and b? deduct 5 digits of you aceoam stalemeM irp code. By entering two numbers as your elecea11c signature, you to eye ens in to low as of w bapayment. You must aurelonzalim to as applicable our ball accout to t i ? , en es y r payment you authorize from your benk account, and to irdele debit or ci d , tog us Ore amount of each payment, a yoti can select an ancum such as the Minimum Payment Due or der New Brilliance an each elalamelm You an halts apaymaK (hdwewarwe phone at 1$gt-341•2683 a by mad at to address listed in lea previous us b mold ma t Yo y y y u must receive notice at least Itsee bnuktessdays nadvance o (the scheduled psymen ments may very in amour, we will M you on each mori tY slatemaM when your payment will be made and tow much it will be. Your Automatic payment amount ur a h 9 p y yo . paragrap may be less than indicated on the mmnaty statemenl based on credits or peymeerms applied during the being cycle. or other da/aulu on your account may be eeUacted in your credit missed payments macros L . , neQay CreditReponing. We may report milow den abut your account to aedil bureau. report We normally repro the status and payment history d yourAooounl o aedk reporting agencies each dwmh. a you believe their our iepm is inaocaeM or incomplete, please write Flows k,1dude your name, address, lame Wephane numbe and Account number. DE 19850.5316 il i t . on. m ng us at this totowahg address: Discover. PO Box 15316, W PERIODIC FINANCE CHARGES. Periodic Pmts Cisrges we Imposed on as trereadior s from tie date the transaction is posted to your Accountumd to date you pay your entire mevian bong statement by ton Peymert Lie Date shown on that statement, and our on B W I . p y " O p aedile. However, dyou paid the NOW New Belana, by meting pa"mr; of raw m will You Pay the New Be*= by the Payment Due Date m your carrerm bft* rentwe month in a es?rges o Parkift new, purchases. t misMpsae w purches? tr re imii no t ne Z il l on to cwmenm statement. We cat this de grace period. Otherwise, You Will mom* a Ming la no grata period on balance uamlers or case advances. We sort your transactions into groups of purdusses, cash advances. end balance transfers and Ihen hater sat the trahsadlors Taft each group by Chair Annual Percentage Rae. For We later to these groups K eaneecban categories. At the end of r s l e g ail - e a nPla, pwdases subject ro a prma6ond rate and purchases subject to a suended rate would be sepa a x acdon each luting Decoct, vre tangoes balances and Pedocte Finance Chagas tar each dap d tlo Itleng period ?or each ua 0* Periodic . We use the t t sner c compute Rate. (You may y islet to he finence charge i e sacton alegary: Average OeUy Bnlanre x nuMer of days n Sue »Re1B period x D ar f h tra b Ch r t or ye r eac n arges Finance, Faradic Patents Charges get the ids Periodic or category our fxlkrg slalament for 9neSC amounts.) Then We add up fro Pemdicfinana Chagas for each eansect 0n i ate a di y, g y. t balance or summery m y Account. The Average Daly Balance's anrnwh as zero d, bemuse d the grace period, ro PeioAc Fnance Changes apply to the n a iratea Average Pwkxk Finance Chews. We compulls, Re trensacuons) method of calataeng the k W e ding new cycle. We use Ina Averege Daly fyelance (ic vidang the, Val by fire number days in tl e 1a a VauecUon toe gay mid di Balatnce 1« each rrauecaan caleipry by adGnA up et the deny bast ces n e bWcng per od telence fa each mennadim calegay m aach day by tmd addagte tolswirg to the previous days dale balance: imruadats made den, fees friso that day * balance ft aanseCtion l W t d b li d la he er y yow oanput0 e and Periodic Finance Charges aarucd m tee previous days duty belaae: and by Urn subbadag arty oedts anent payments Uel are app each category on that day. in calminli g the daily balance ON the fnstddaayyof Ue 6nTa+g period, we omider tw'prsaous day's b rsurce'to have been occurs, yow bda sinus can awn as hav 9 a ua uncOon is posted to yaw Aaomt after 11,10 close of the btqg period udod b* i . * ( ous saegory on the last day d you prev ing oauned on the era day of to bug period in which it is posed to you Amount. At fees charged to your Account are added to 9ne standard purchese transaction cre"my with One exoeptm of Cash Advance Transaction Fee Finance Charges which are ah n e ay and Balance Transfer Trii tint Fora Finances Charges which are added ro the applicable balance baxsfe uansedim category. um ale chasa tr d d g ?gpm? ansac pu ar a an a?Jndit;r late trip res, we move the unpaid balance d the balance trahsler and the Balmce Transfer Transaction Fee Finance Charges to the stan a00 special rata has been eaaimeted under the Default Rafe Plea, we leave fire unpaid balance of the belmce transfer and the Belem Transfer Trans- Howova r t t io , ego y. m ca n sac transact action Fee France Chagas in to applicable baeadion category mat the special rate would have expired. For TDO (fekeommurtcations Device fathe DeaQ assistance, pleas at 140-347-1449. Discover may nanbor "or record telephone cats between you and Discover representatives f« quaky assurance Purposes. The Oismve& nerd is issued by Discover Bank. Member FDIC. OITBK170 New Balance Minimum Payment Due DISC.'VER $4,213.75 $229.00 Pa ent Due Date July 15, 2008 18 SDSN6A01 0007488 NATALIA DE LA ROSA 620 BRENTON ST SHIPPENSBURG PA 17257-2114 Account Number ending in 0453 Enter Amount Enclosed Below $ 1 Please make check y to to Dirover Card. You ore avarlimH. tray" the sum of the monthly minimum payment plas the oveArnil amount of $113.75. Go paperless and make your account Information more secure with password- proiected statements only you, can access. earn more at disco"r compapodess. PO BOX 71084 11{srr11ssnrsl1111rsss11i) CHARLOTTE NC 28272-1084 Address, e-mail or telephone changetzPrint chringein space )nlrl?rr)en)r?)rrrlr?)r)nrl)?)nrlrr)n)ullreluln)alull above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458261760835042137500000000022900 Discover More Card Account Summary Closing Dote: June 16, 2008 page 1 of 1 Account number ending in 0453 2008 Previous Balance $4,035.21 ments And Credits 0.00 Pa Payment Due Date July 15, Minimum Payment Due $229.00 y Purchases + 78.00 0 00 Credit Limit $4,100,00 Credit Available $0.00 , Cash Advances + Balance Transfers + 0.00 Cash Credit Limit $2,200.00 Finance Chases + 100.54 75 213 = $4 Cash Credit Available $0.00 , . New Balance You may be able to avoid Periodic Finance Charges, see the reverse side for details. p? • Cashback Wltus Opening Cashback Bonus Balance $ 13.58 Now Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 13.58 Cashback Sonus® Anniversary Month: January How Can We Help You? do your hat for no cost, view our 1 kited Account information earn and redeem rewards and more latest Account inormotion ft's your choice - 3 ways to het , , 2. Call 1.800-DISCOVER (347.2683) for last, easy soff service eak with a Customer Service Account Manager s or to s ti p on op Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (asarstance for hearing impaired) see reverse side Sak Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Cord with confidence. Trans. Post Date Dais Oiher/Miscellaneous Jun 16 Jun 16 OVERUMiT FEE $ 39.00 Jun 16 Jun 16 LATE FEE 39.00 Information For You ... ATTENTION • * Your account is past due, Please pay the post due amount now, or contact us. to make other arrangements. RAN Charge Summary Nominal Transaction Dame Periodic ANNUAL PERCENTAGE ANNUAi PS AGE Periodic FINANCE Fee FINANCE RGES Bald rKes KOS RATES RATES DES _ - CHA current billing period: 31 days Purchases $682.68 0.07942% 28.99`Yo F 28.99% $16.81 83 73 $0 $0 Cash Advances $3400.97 0.07942% 28.99% F 28.99% . $ The rates that apply to your Account are either fixed (F) or they may vary {V) as noted above. important lydormation. if there is more than one page to this bill % statement, see the (tack of each page br additional +mpatant in onnation. Sea your Cardmember Agreement. You Cordorember Agreement contains 30 the lams Of your Account. Lost or stolen cards. Report irrned ataly! Cal l40D347.2653. Billing Rights Summery. In Case of Errors or Ouesisto About Your B& N you Itdnit your bN is wrong or it you need more Woanation about a transaction an Your bill, write a us on a separate sheet of paper at Discover. PO Box 30421. SRI ? CRY, UT s 8413M21, as soon as your ripo a hear from ?Y Ong tid? alter we sent you the fret bill on which the ens a problem appeark You = Wephow preserve YmNa name andAccauntrarrler The dolor amount of to s uspecad error Describe the error and ezplsar. 0 you can. why you believe there is an era. If you need more khfomiation, describe the item you ate unsure about. You do nor have 10 pay anyamount 'n question while we as, irmislipatutg, but you are still obligated b pay the pans of yaw bill that we not in question. While ere investigate your question, we cannot report you as d* queM or lake any action to wood the amount you question. Special Rule for Credit Cud Porehases: I you have a problem wwirh the Wit of goods or services OW you purchased wwlh a credit cad, and you have tried ngood faith to coned ore plum with the mwd*K you may not have to pay the remaining amour due on the goods or services, You have gas protection unity who the purchase price was more than 550 lame stela orwliwh t00 mks d you mefng address, (Owe own or operale the rnerchar, , or 4 we mailed you the advertiser emfor the goods or end the puritans was made in you services. all purchases are covered regardless of the amount or bow of purduse.) and the lop portion of this statement in Ore envelope provided. Do not send cash. By sending your chock as described above, you authorize us to use Woomi ion on oily you payment or b process Oe psyntentas a check transaction. use yan des to make an etearanc rfund , transfer from you account at the krnandal insulation in6mled on your dad 11 payment is pracea80d eb an electromac futhd transler, aemernler rat be far She amount on ft sheds Vvlhen we use hhiorrnetiorh from your duedc b make an eleotrahia Nnd transfer, funds may be wiahdro+m from your account as soon as the sum day we receive your payment and you will not receive yaw check bad from your fanant'tal insikaion, The pouesaig of you prymem may be delayied ff you send oak oenespothdettce or other Tema with your payment, it you and the papient to any other address or t you use an erwelcpe other ghat the one provided. Payments mcekred in proper form at our processing belly by 5PM local tune all any day will be podded to your Aquomil as of to day. Paynherds nterif received at our processing facility all* 5PM local lane we be aedired to your Account as of to r*A day. 9 you have, h ?at t d, ? e?i r auc debit ate, PO Box as so 6103, Card Stream. 11. 60197.6103. Please aW 7-10 days for delivery. t your payment is miumo unpaid, we reserve the You an pay you rnhky nh payment or a greater amount over the lebphore, and you can set up automatic payments. Cal us at 1-SM-30•2683.You will need this statemorg end your asked bards account information. You must ensure that sufficient funds we avolebie in you book aeeouK and of transactions mush with U slow us 1 and your bank provide the first to deduct each 5 digits of your account statement zip code. By entering Lase rambere as your ebeuorie sgnaaae. you will be agreap+g You must Payment you adhome from your bent accent and to IMnfe debt or aedh entries to you (rook s coount BC apptiable, to correct an erro in the processing of such payment however mu tall us the amount of each payment, or you can select an amount such as the Minimum Paymod Due of the New Balers on each statement. You can cancel a payment, must receive r olice at least tees, business days in advance of On scheduled payment You may nolity us by phone at 1-000347.2683 or by mad at the address riled in the previous paragraph, 9 you payments may vary in amount, we will tell you of each aarAhly slalenhaht when you paymentwil be made and how much it will be. Your Automatic payment amount may be less than indicated on Vie monthly statement based on as& or payments applied cluing the tiding cycle. Credit Reporting. We may report infooaton about you account to credit bureaus. Late payrned .. missed payments, or other defaudis on you account may be reflected in your as& repot namely ripen the status and p of Your Account to iced reporting agencies each month. II you believe dot our teporl is inaccurate or aroroplete, please write Box 153 15316, Wit us at the e following address: Discover, PO Boz , Wianingbru DE 19850.5318. Please include you fame, address, home blePhone number and Account mehntret. PERIODIC FINANCE CHARGES. Periodic Finance Charges are inposed on oil transactions from the date the transaction is posed to your Account until the dale you pay your enbre New Balance, by mekbe payments or receiving aedhs. However, if you paid ore New Balance on your previous lolling statement try the Payment Due Date shown on that stat opposing and you pay the New Bekrwe byte lWnent Due Dais on you current billing stedenent, we will not impose Periodic Finance Charges on new, purdeses, ooh is. frirchases on the curot statement We cell On to gram period. Otherwise. You will reoave a billing statement next month that hckrdes Periodic Finance Charges on those new, puchases. There is no grace period on balance transfers or ash advances. We son you transactions into groups of purchases, cash advances, and balance transfers and then tut her sort the trenseciore within each group by lei Annual Percentage Rate. For example, pudhasa subjed b a promotkmd rate and purchases subject to a standard rate would be separate groups. We refer to OWN groups as trarsadbn caego es. At the end of each billing period. we compute belences end Periodic Finance Charges for each day of tie billing period fur each transaction al We are the following egation to tompule Periods Firma Chatga la each bensasdon category. Average Deily Balance is nurrbem of days in due b ling pe od x Daily Perm Ram. (You may later to the Numoe charge sunimary on your bile" statement for "so amore a.) Then we so up to Periodic Finance Charges for each transeeta category in the a fr1ad?? ?? Charges for your Accou t. The Averege Daly Balance is shown as zoo d, because of to grace period. no Pario®c Finance Charges apply to ft We use the Average Defy Balance (including new treniscOons) method of c oladaimg to baluhce upon which we impose Pefotkcr lobar b arges. We o rnpidB me v sWDa y Balance fa each transac6ar cob" by adding up oil the dopy balances n a bll g period fa a bansacdao aasegory and dividing the billing cle. We comport the daily balance for each transaction category on each day by fssi adding dre 101lowig toga previous days daily balance: transactions made turf day, lees charged Vial day and Periodic Finance Charges seamed on the previous day's daily balance; and by than subbacing any credit; and payments that are applied against the balance of the transaction e for each category oft that day. In calculating Via defy balance for ihe? day of the co coma ??r hs'pclose r vi of to day's balance' t in have pen yaw as alancl treat the tear sedan as hay- category on the lest day Of you previous bdlrng per posted your AT period which occt.we ing occurred on the fist day of to billing period in which it is posted to you Account. Al fees charged to your Account are added to the standard purchase transaction ategorywith to exuxptim of Cash Advance Transaction Fee Finance Charges which are aided b to e transaction category end Balance Transfer Transaction Fee Finances. Charges which are added bite applicable balance transfer transaction category. a rate agnres, we move to unpaid baterkf of the balance transfer and tw Balance Trensler Transeoaon Fee Finance Charges to the standard purchase transaction category. However, it the special rate has been termhtetad under the Default Role Plan, we leave the unpaid balance of the balance transfer and Vie Balance Transfer Trans- action Fee Finance Charges in the applicable transaction category urd the spacial tale would have expired. For TOO (Telecommunications Device for the ideal) assistance, please call 1-8011,34T-7449. Discover my monitor ondrareuad telephone calls between you and Discover epresentalves for quality assurance purposes. The Discover' card is issued by Discover Bode, Member FDIC. OIIBK170 New Balance DISC VER $4,393.31 16 SDSN6M1 OD07467 NATALIA DE LA ROSA 620 BRENTON ST SHIPPENSBUR6 PA 17257-2114 Minimum Payment Due Account Number ending in 0453 $346,00 Enter Amount Enclosed Below Payment Due Date $ [ Augud 15, 2008 Please make check poyabk+ to Discover Card. You aro ovedimit. Pay the sum of & monthly f minimum payment plus the overlirnit amount o $293,31 Go paperless and make your account information more secure with password- proleoted statements only you can acoeas. Learn more at disco?rerodn mPerless, PO Box 71084 lNredlee+ee?ll+Ib+edl+I CHARLOTTE NC 28272-1084 Address, e-mail or telephone chaigeRPrint change in apace I?11?11?till ?1?11?Role II pill ?IIII?,IIrIIII if till AIIIr?I?IIIII above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458261760835043933100000000034600 Discover More Card Account Summary Closing Data: July 16, 2008 page 1 of 1 Account number ending in 0453 Previous Balance $4,213.75 00 0 Payment Due Dole August 15, 2008 Payments And Credits . 78 00 Minimum Payment Due $346.00 Purchases . + 0 00 Credit limit $4,100.00 Cash Advances . + 00 0 Credit Available $0.00 Balance Transfers . + 56 101 Cash Credit limit Cash Credo Available $2,200.00 $0.00 Finoince Charges New Balance . + 4,393.31 You may be able to avoid Periodic Finance Charges, see the ravens side for details. Cashback Bainuse Opening Coshback Bonus Balance $ 13,58 New Cashback Bonus This Period = Cashback Bonus Baance Cashback Bonus® Anniversary Mn", lanuarv 13.58 How Can We Help You? 1 Visit Discover car? to pay year low W no cast, weIr r West Account Information, can and redeem rewar it and more It's your choice - 3 W s to help 2. Call 1.800-DISCOVER (3472683) for last, easy self service options or to speak with a Customer Service Account Manager Please have your Discover Cad available. 3. Write us at Discover Card, PO Box 30943, for TDD (assistance for hearing Impaired) see reverse side Salt Lake Car, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. te TOan:1 bc? Other/Miscellaneous Jul 16 Jul 16 OVERUMIT FEE $ 39.00 Jul 16 Jul 16 LATE FEE 39.00 Information For You - • • ATTENTION "`" We previously requested the past due amount on your amount, We have no record of receiving payment. The amount due should be paid at once. 6§ggm Charge Summary Nominal Transaction Average Daily }}y? Pori&ik ANNUAL ?? AGE ANNUAL PUMMAGE Periodic ? Fee Build s Rates PU current billing period: 30 days Purchases $778.31 Cash Advances $3484.32 0,07942% 0.07942% 28.99% F 28,99% F 28.99% 28.99% $18.54 $83.02 $0 $0 The rates that apply to your Account are either fixed T) or they may vary (V) as noted above. EmpDrlaffi IMomnagoa. NtMro k more than one page to III bitng statement, seethe bock of each Motor addhDrw anpone"a mrmnavon. See your Cardmnember Agr"MMI. yon Cmdmamb"Agresn" cow ns soft tees d yourAccamt. Lost or stoke cards. Report rote dislely! Cell 1.808.3472663. Billing R{glua Summary. M Case of Errors or OutrsliotrsAbo i Your Bk Ifydu think yids big is wrong, or if yov road mom inonnatlon abort a terrsacyron on your big, write to us on a your Witter. ? us r"SIDdays alter we sort you the MAW on : sepaak at" dpeper at Discover. PO Box3?2 "per possible. We nwd hear Rom which Be mar or pra6lara appeated• the faciriM information: Your name arid Account number. The dollar amouxd of the sucpeaed am Deacrke go era and explam, W you can, why you belieree date is an errs. If you need more information, desoabe die tkm you are a sure about You do not have to pay any ~ in quashed wide we are imestigaiing, but you ant sff obligated to pay the pals of your bill that are not it question. White we investigate your quesGori, we cured report you as de6rrquent stake any eclian to ooW the armorer you question. Spocld Ruk for Crodi Card Puretraea: t ya lave a problem ugh Bra mpraGly of goods a sennce.Bret you purchased YM a oedit card. and you have tried in goad M'dt to correct ilia probkmh with ge rnerctsent, you toy riot have ro payge reatemlhg ertatxi duo dm the goods o sere ties You haw Cos Volecticirt only-when purchase the Price was more gun $50 acrd to purdheae wes made in gout home soak awklan 760 record you mating address. (N we hMn a operate the merchant or a it we ar mailed meted you ou the, he advertisement for to goods or services. erg purchasea are covered tegadasa of the aaroart a bcatcn d pudex,) payrnanM, trend shy y PaYmen the roP!earl our d trio setement n the enwtapo provirded. Do not send cash By your oour dmdt as described above. you e it. ? us to on use inonhmtiorr an you chedd ro rnake an ekctoMc hard trenskrTarr your ao xwnt al the kmndal ist srl'an irGceed gar dads or your grd" to ouse mthe ake a parrot as r died died trmmeer, NpeytreM is processed as en ekWoracfab lenakt the tansfer w A1x lathe amount on the orb ra racerveyour &.ad back Rom your financial irstibtion. fund transfer, furrds may be vragslawn ion your acoourt as soon as Ore same day hw receive you pnymenl you The proceesn0 of your payment may be delayed 0 you serhd cash. oomespahdence or nlher items with your psymerd.I you send the parrot to any other address or if you use on era akpe other then to one pmwded. Payments received in proper form in our processing tedity by 6fsld local4mm on ary day will be credited to your Acoci all as of net day. Payments reaeaad at our pacasaing tadFN ailed 5PM twat trte will he credited to your Aacounl as of the root day. Ilyou have miaplsoed your emailpa, sand you payment to Dtscwer. PO Box 6403, Card Stream. E 60197-6103. Please &1117-10 days for delivery, t you payment is returned unpefd• we reserve the dgM Wesubmt it as an elecuaic debit. You can pay you minimum pa word or a gieaer emorrd over the telephone, and you can sel up amemetia psyrnarts. Cap us at 14I00347.2683. You wie need tie statement! and your be* accountirtamN on You halm ensue tot suliaad funds are ova8eble in you ban account, and aglerseWons must o pyt *0 U.S. low. You will be asked to provide to list 5 d& of yaw eCcould statement zip code. By entering Arose numbers as Mod tkdhpt a alignekre, you will be agieag to 16 authorization to allow us and your bank to deduct each Palr^A you anpraize from you bank ac put and ro sntialedeba or credit vildes to you bank accaum, as appicoik, to oohed an aura in the processing of such payment. You most tell us gte amour of each payment, or you con select an arrant such as do MMkrua Payment Due or the Now Balance on aid ataement. You can canD I a payment, however we input receive notice M least Brae business days in advance of the adledned payment You may nobly us by phone at 1.808347.2683 or by mail at the address teed in the previous paragraph. 9yas payments may, vary in amount, wewd! tell you our each m or" staemarawhen your parrot will be made, and how much ii why be. Your Automatic poriol amount may be less that indurated on the mor tty stataaeMbased on credits or payments applied during the billing cycle. fairit Credit Reporting. We may report tmomnatoa about your ecaun to aedd laseaus. Laid paymena, Wooed payments. b Cher dethat our report a?unaunt may a'reoecied in your ur credit repot. We normally report to okras and payment history of your Mxxxnt to credit repotting agencies each month. you us at ore fotoxirp oddroaa: Discover. PO Box 15316, Wiinrglan, DE 1911 Please include you rare, address, home klephar a number acct Account number PERIODIC FINANCE CHARGES Periodic France Charges are imposed on all transactions ion the date to uaee:lion is pasted to yaw Accost urd the dare you pay you entire New Balance, by making payments orteceiving otoft, However, 9 you paid the New Balance on your Vevwus billing statement by ge Poynter Due Date shown on that slatenent, and you pay the Now Balance by ft Payment Due Dole on you or rembBing skemem, we will not impose Pemloft Finance Chagas on new Purchases, that is, purchases lest appearing on the current statement. We eat trio the Braes period, Otherwise , you will receive abiAig statement text math that rndudes Periodic Finance Chagas on gorse new purchases. There is no grace period on balance transfers or Cash advances. We sort your transactions into groups of purdases, cash advetces, and balance transtors and then further sod the 1ranalhaliors wittier oath group by their Manuel Percentage Rate. For axamyde, purchases subjaA to a pronhodonal rate and purchsosa subjed to a standard rate wmid be separate gongs. We Wartothose groups as laresdton caegorks. At the end of each bOV period, we tor" bakrion and Periodic Finance Chagas for sadr day of to biting period for each transaction category. We due the following equation to oapula Perioe6c Finance Chortles fa each ianaac8onukgorY Average Daly Balance x number of da; s in tre bitng period x DeityPera6c Rate. (You may rda to the knew cadge summary on you b*v svakmen for these antou nts,) Then wo add up to Periodic Finance Charges for each transaction category to get the teal Periodic Finance Chagas for you Accent. The Average Daly Balance is shown as zoo 9, because of the grooo pouf, no Periodic Finance forages apply to the balance in a transaction cat". We use the Averse Daily Balance iini;Wdig tew tfansactde) meted of oabAfsg the balance upon which we impose Parodic Finance Charges. We compuls the Awrago Doily Balance for each transaction cog" by adding p erg the doily balances in a bung period tot a transaction category and dmrdbrg the total by it* numbet of days in the billing cycle. We corapuk gne daffy belarce to oath transaction category on each day by foal adding the lolewmg to the previous day's dally hatancm transactions made that day, %es charged that day and Perodk Frrace Chergee ahxxued on the Preaas deysdaYy balance: and by lien subletting any credds end payments that are applied against. ge balance of the transaction Category on that day. M cekulatrg to dopy Ielahee lathe lest riay d rid bhp period we r ge'prevrous day sbeliume'tohave been your balance for each ianxcton cetagay on the lest day d youproviws bitig gaited. Ho Umsacbon p posted b geld Arxxxnt alkw the curse d gm billing period in which h occurs. we will treat the vansadan as haw irg oewrted on the frsl day d tea bRirg period n wfhrdn a is posted to your Accaad. Ag lees draged b ytxwAOOOrrht are added ro hie atardad ppwtrdose lansecton category velar the excepaah d Ceah Advance Transaction Fee Finance Charges which are added the ? pereeeiorh ealegory and Balance Trensla TyansecAion Fee Frances s wlldh are added to the applicable bolorm raiser transaction category. When a pYNr rata exyias, we mow tlhe uhpekibelaca d tlhe teknw trmsfa end to Trarhskr Transaaion Fee Finance nanoC Ch rates to the Uanc p ransfoe laeedion category. tiowwer, t U+e specter rate has been tamietod uxhder the DekugRate Pion, we leave ilia mmpaid belenoo of the lmiance transfer and are Bdenca Transkr Trens• a char Fee I sertce Chagos n ore eppkxbk transaction category until the svacW taewooW have expied. For TDO (Tekwmmonkadoms Device for the Deal) assistance, please call 1.8014347.7449. Discover may monitor ardor record telephone calls between you and Distowr representatives for quality assurance purposes. The Discover* card is issued by Disrxrver Ball Member FDIC. OIIBK170 New Bolorrce DISC - VER $4-580." 16 SDSN6AO1 OD07488 NATALIA DE LA ROSA 620 BRE:NTON ST SHIFP£NSBURS PA 17257-2114 Minimum Payment Due Account Number ending in 0453 $471.00 Enter Amount Enclosed Below Payment Due Dab $ 1 September 15, 2008 Please make check .pp????p? to Discover Card. hl h " f the sum o y t e mont You ars overhmtt. Pay payment plus the overttmit amount of ?Bmw 777 $ Go paleness and make your account infonnetion more secure with password. protected statements only you can access. Learn more at distwvercomlpaperless. PO BOX 71084 111 Niglio 11110111 11 111111111 CHARLOTTE NC 28272-1084 Address, e.mailor telephone change? Print charge In space 1111 JIM above, or go to Diseover.com. Print your e-mail address to receive important Account Information and special offers. 000001486458261760835045807700000000047100 Discover More Card Account Summary Closing Date: August 16, 2008 page 1 of 1 Account number ending in 0453 Previous Balance $4,393,31 Payment Due Dare September 15, 2008 Payments And Credits 0,00 Minimum Payment Due $471.00 Purchases + 78.00 0 00 Credit Limit $4,100.00 Cash Advances . + Credit Available $0.00 Balance Transfers + 0.00 Cash credit Limit $2,200,00 Finance Charges + 109.46 Cash Credit Available $0.00 Now Balance R $4,580.77 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback 8onuse Opening Cashbook Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Coshbock' Bonus® Anniversary Month: January How Can We Help You? 1 visit Discover com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Coo 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 of Discover Card, PO Box 30943, For MD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Uabilify Guarantee Use your Discover Card with confidence, Trans. Post Dore Dab Other/Miscellaneous Aug 16 Aug 16 OVERLIMIT FEE $ 39.00 Aug 16 Aug 16 LATE FEE 39.00 Information For You "" ATTENTION x' ` Your account is seriously past due. Payment of the amount due and arrangements for future payments should be made immediately. POW Charge Summary Nominal Transaction Average Daily Dally Periodic ANNUAL PERCENTAGE ANNUAL PERCENTAGE Periodic FINANCE Fee FINANCE Balonces $0103 RATES RATES CHARGES CHM91S.- current billing period: 31 days Purchases $876,33 0,07942% 28.99% F 28.99% $21.57 $0 Cash Advances $3569.73 0.07942% 28.99% F 28.99% $87.89 $0 The rates that apply to your Account are either fixed P) or they may vary (V) as noted above. Important kdoi nation. M there is more than ore page to this biding statement, we the beds of each Op la addiforiai impaWnt etbrmalim. See your Cardmamba Agroeirwnt Your Cerdmembor Agreement oonrekrs all the terms of your Account Lost as stolon ends. Rapoatkm $dG* CA 14l)-347-260- ON" wine to us on a Bkiag Rights Summery. In Cue at Eras or OuestiansAbout Yam Will: N You W your bit is wrong. or ly ? hear from you no man that a on o wo?sem you the first bill on need more information separate shag of paper at Discover. PO Box 30421, Sad Lake Gly. UT 84 M40. as won as possbfe. r than days after which ft era or prohbm appeared. You can telephone us, but dap so wild not preserve your r p 0. In you Idler. Wive us the Wkiwng' You now and Account mmber. The do* smoutt of the sopetaed ens about Describe the error and explain. I you on. why you befieve two is an urns M you need more Wormaton. describe the item you are unsure You do not have b pay any smou tin gWbon wU we errs invasmpat 4g, bW you are Sol oWig w to pay the pa its of your bid that are not it question. While we bvestgate your question, we canal report you as dNmquerd or take any action to called the amount you Weston. SpedN Ruk 1a Crock Cud Ptirrc asst: M you have o p vblan wb in tpratly of Woods or servass that you purchased wch a aeda card. and you have tried in good faith to coned the wok tw mardhaM. You hhhaY have ro PeY Ow renteining entorrA due on the goods a sautes. You have this protection only who the purchase price was were then 550 ad cwse was made in your hang NMa a 100 motes d awhrrp address. (M we conch opereta the merchant or N we mailed you tie adywitmemea for tee goods or saviors, at purchases are awered regardless of ire arrant a locator d yhurdmst,} and the lop portiorh d Cis statement in the stwebpe pov died. Do not send caetr. By you rg your or chack, o too oboveaou eutl k trmi ti Payments. Send achy you' payment or to process Cue payment as a check ansa 5acton. an you check 'on use udornhation n you deck b make an ebctrauc kmhd harsher ban you suarq N Cue fohartial swfitufrorn indcetsd If paymam ts proorued as an eleararna twd transit, the Uuslerrwtl De der the anwuM on tfw check What »t use inbmh Iron your check to maks, your I a an efectionic find star star, liruls may be widnMaean kern)ow acormhmi as soon as the same daYwt reorrve Yen PaYriwm• ? You w8 not receive Your died bath kartyo yow a oAwr items rent your payment M you serd the poym o b any other addeas orOyouuse an The oskg of n th yon$ !itny be datsYed M you eat peat taresyhoOW PI s SPhI k cot tune on any will be aedwd to yo rAaaurt as a"day. PairmeNs envelops o than grouted Payments r rhowilhbe p credited credicredited dd to am you o orAurocoproceudssisou n dft the next f next by day. gym have m?you envelops. send your paymeril to Discover. PO Box received red of t our poorssiorg ne alter 5PM local Iwo cod u lwtily 6103, Card Sutaa 11-60ill )3. Please allow 7-10 days fa dNNery. If youpaymentis returned unpaid, we reserve the rgha to resubmit it as an elecroniodeb t. You can o yaw mmirimum payment or a greeter am>otaN over the Wephore, and you cost oust tip a lwatic payments, Cd us at 1.800.347.2683. You will need ft statement and your bank amount int udormatan• You must erKUS gut suffloo l itsds as and" in your brit; am K and at transactions must oompy with U.S. law. Your *0 be asked to provide the first be Weroling to he ardiorkAlion to slow us and 5 dg Ls t yyou ourehou amount meannord m your zbank ip ode. By. 00 toi.tiaee numbers as yowe e to oyour bA eh account as Ica, to mired an emot in the prowssi g of such payrnea You must bank to deduct each kill us am each payment or you can seW an anwum sechaas One l es Mkiknun Payment Due or the Now Debna each ? statement You = cancel ? s ism in ire wei must too" notice at West em business days in advance of to scheduled pop" You maytwtly us by O none at made and how mo(by uch d it Val a be1he Your Automatic pepmnt amount paragraph. r we It your payments may ?y in amount we wi fell you on tech manNy stmemant Man you Wpirrers may be less Chat pldicidicetsd on the monthly slatahwM Laved on setae or payments applied dung the bliduhW cycle. be receded in credit CraMt Reporting. ft may report information about your amount bas& to -mm lals paymen%. mssad payments, or other defaults on your some* m y your se writ repot. We normeiy raper the a" and paymad ltistory of your Amara to awk r porfir 4 agencies each moon. M ymboliever that our report is inaccurate or awanplete, posse us at the Mw *V eddtttt; Discover. PO Box ISM, Wilinin ion, DE 111850-5316. Plaosa mckrde you name, address, home tetephone nurnbor a'dAmothe unt?>lwr. a venue PERIODIC FINANCE CNAROE6. Periods inoro CUayes ere imposed id h oise on an Ave dale to ransacsf ammeoxby ? Payment Aomunt Dora Date show own that et men, and oil tronsAclns from New Betsnce, by immk nW PsYrrwrits or receiving arias. Hovever. M you paid the K*w New O Your previous biding uses. tut is, purchases first appearing you pay ti a lkw tlalenc?t by the PaymwM Drs Date on your uxmreM lidding slafrhwnt we cos will nor impose Porio fic Fuhan Charges of now mee Charges on t3aor new purchases. The to on trio current stetarnent We c? 1hU the gnat period.Ogherwhse, you val recewe a bilii9 Nalemam next manUr the! Includes cl iudes Periods Finance is rb grace period errs balance trensfero a cash irdvanoes. then Annual Percentage Refit. Fa We sat you ranuctbrs ? groutys d Purdwses. cash adveroes, std balance tarsiers and tren finhwr t the transactions to ?aea?pss ansaction rategrona. At the end of . We refer exainplt, purdwses subject b e pr rnrotonet tale and purchases sub}ed ro a slendad ref vrouid be sppde t7i n sadron cat". We use the loiov" equation to compute each mg period. we cernpude tetras snot Pedodc Fnrioe Charges for earn day d the h+ nil Period to each va Parrott Fnsnas CFhuv9ec bs exh transaction category AvareWe OaIY Beiarce x saanba of days in the b?irg Pam Dolly Poiloftriodeftate. (You may rNu to to fahahce dhs x summary on you bitrhg aletanwrd der these anhorxas.} lwn we a? up tlw Periade Finance Charges fa oath Uuhsnc6on category to gel the Val Penoda Finance Charges fa your Acuunt. TheAverege Daly Balance is shown as ado M, because d dw Wroce t>etioti, no Periods Frog Ctsrges appy to the balance in a transaction category. We ow the Average Decy Balance (including now transactions) method of caloidwirig Ow belame trap which we impose Pedode Finance chathe mermier r es. We o putetheAverage My We Bdance for each bansacwn eakgory by adding tin al the daily balances in a tilling penod br a transacuah category and d•.vdag ma " Y' a u oarpule do deny bafawe for each transaction category on each day by first adding Who bNaaing to Ow pevlau day's doily b ono : tionsoctim made Cot day, fees chaged Awl day and Periodic ferawe CUerWes acaned on am previous day's daily balance; and by then sutbuectug any credits and is first ere applied against the bNonor of the transaction i afapory on tlhat city MoNwftng daily s balance' to have been your balance for each transaction tw balaroa 1a tlw nst dayd Cw biSp period, yrt nrhaider ihe'pteviohx+ ortegary on tw last day d how previous ihiGng period. M e rxavactiar is posted ro yarAocoimt alter tlw ebse d thelhiding period in which it ocaxs. we wit oat the Caisactjom as haw ti g oxumed on tlw fast day d the baug period n wt+kh it is posted b Yo r Account. added to the Atl less dwgedto you AecarM ue added b the standad gptrrdose transaction category wiCr the except ere as Me applicable balance ttarmler tranwhich saction category. When y transactic+h cawpury and Balance Trah>ster Trarsectroul Fee Fuhenora CI+v9es . a shat note sap res ere move O e amp n d balance d tw betshce UMafaffid One Befrrce Transfer balancer Fee frrhrwe Itansiss nth standard pudase uerssction uxtagcrY. However. M Ow spade) rate tires boon lerristhsted undies tlw DNeukF? ? ire unpaid 1wWnar of die uNance ranskr and the 881anab Transfer Trans. edion Fee Fuwrwe (lunges urn Ave apptiw? heruactiorh cakWory irrti fire speaY For TDD (Telecommurmicatiww Device for the Deal} assistance, please call 1400.317.7449. Discover may monitor ardlor moord telephone cede between you and Disaovermprowntstves fa quawassuranor purposes. The Discover', cad is issued by Discover Bank. Member FDIC. OITBK170 New Bolarece DISC VER $4,772.91 16 SDSN6AD1 00074$9 NATALIA DE LA ROSA 620 BRENTON ST SHIPPENSBURG PA 17257-2114 Miriemum Payment Due Account Number ending in 0453 $601.00 Enter Amount Enclosed Below Payment Due Date October 15, 2006 please make check payable to Di?covar Card. the morrIM th / e sum o You are ova4mil. Pay minimum payment plies the overlimit amount of $672.91 Go paperless and make your eccentnt information more securetMttt psewmrd- protected statements only you can access. Learn more at discover 6mloaperless. PO BOX 71084 lllssslbasessllsllreeellrl CHARLOTTE NC 28272-1084 Address, e-mail or telephone cfwnsofPrint change In space loll lilr111eelfill tell 11oilloll like eledeeleellreleiirrlllfell above, or go to Discovw.com. Print your e-mail address to receive important Account information and special offers. 000001986458261760835047729100000000060100 Discover More Card Account Summary Closing Dab; September 16, 2008 page f of f Account number ending in 0453 Previous Balance $4,580.77 Payment Due Date October 15, 2008 Payments And Credits 0100 Minimum Payment Due $601.00 Purchases + 78.00 Credit Limit $4,100.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cosi+ Credit Limit $2,200.00 small" Charges + 114.14 Cash Credit Available $0.00 New Balcmce $4,772.91 You may be able to avoid Periodic Finance Charges, we the reverse side for details. Cwhback Bonuse Cashback Bonus®Anniyersary Month: January How Can We Help You? It's your choice. 3 ways to help Please have your Discover Card available, For TDD (assistance for hearing impaired) see reverse side Opening Cashback Bonus Balance $ 13.58 New Cashback Bonus This Period + 0.00 Redeemed This Period 13.58 Cashbadc Bonus Balance $. 0.00 1 Visit Discover am to pry your 6116 for no cost, view latest Account information, eam and redeem rew and more 2. Cal 1-BMDISCOVER {347-26831 for bast, easy self-service options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, Solt Lake City, UT 84130 Transactions $0 Fraud Liability Ovareaetee Use your Discover Card with confidence. Trans* post Dolls Date tuber/Miscellaneous Sep 16 Sep 16 OVERLIMIT FEE $ 39.00 Sep 16 Sep 16 LATE FEE 39.00 Information For You • • " ATTENTION '"' Your account is seriously post due. Payment of the amount due and arrangements for future payments should be made immediately. M&O Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PEwWAGE PERCENTAGE HNANCE FINMCE Balances Rates RATES RATES ;L- CHARGES current billing period: 31 days Purchases $97710 0.07942% 28.99% F 28.99% $2.4.06 $0 Cash Advances $3658.67 0,07942% 28.99% F 28.99% $90.08 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Important Inlormetiat. If Bore is more than one page to Ras bang statement, on the bads of each page for addLtoral important Information. See your Cardmembe AVaoloft Your Cardmembar Agreement cams all the leans of your A=UnL Lost or moten cards. Report WWWOV. Call i.806.347.2663. Baling F%bto 3u y, in Case of Enos or Ouestwns About Your BS: R you N* yarr bill is wrong. ail you need roam itdamation about a transaction on you tall. Mile to us on a separate street of pepo at Discover. PO cBox 3042 1 an telep?plusLder . UT 84130-0421. as sow as pas". we brdtdoimng so A not preserve you taws. In your left, give us the?lol w*V informationdays : alit we sent you the first bill on vdadh the star of problem appeared, • You name arudAcwrnM number. The doter amount of Ore suspected ems about. Describe tre era and ezp*. R you ton. why you believe there is on error. R you need more information, describe the can you are unsure You do not have to pay any ertaunt in quesVOA WWO We am arv°slgeting, but you are still o6bga td to pay the parts of your bill that are not in question: while we investigate you question we co a of report you as delinquent or leke any &do to coped ire ammA you question. Special Ruklot Crea Card Purcihases: f you have a problem with the quapyof goods or services, OW you purchased vatic a credit cad. and you have tried i good faith to cared Ed this protection o*-vA eih to ptrehase price was more than $50 nrhachaht or if we rialed you the advsdisemanl fa the goods a uBy sending your chedC as dewbed above. you aulbo&a us to ution yotrdred b make en ekwborae krhd transfer fray you auoount at the fmanad nttRu6pn irhdLrasd co your dads or to process the payment a as r check t ansferion. t ? pr°cessed as an ebctrade land aansfer- Yre ttaMkf et1 be br IM amhouant on the dhedt Where wa us, iniomnabn fion you ttnedt to make a an alecbodc timid transfer, i may be withal awn ken you aaount as soon K the same daywa receive You paYnwM, std yoU wrS nq receive your dxdu beck from your financial knslBdion. c*sskQ Of Y- DIM[ items arith your payment, 9 you sans! the permit to any other address or it you use an The pia other then th payment may.P delayfd t you said ux+slL Dorm a our Pre or PM bud lime on any day will be wedded to yourAaouM as of thsi day Payments 5 erx[mir4re other Oar the one provided. Paymems sea" in proper tam at our Procter d tur m xt doy0 you have misplaced your offire", send yon peymxnt to piscova, PO Box Yak Account as received et otrpracesUM fack our SPL1 wild Aare WIN be aed)sd two reaxrad unpaid, we resenre the rot to resubmit d as an decamicdeWl. paymem 6103. Card Scream, a. 097.6103. Please allow 7-10 days for delivery. R you is You can pay your mirrunom peyrraot of a greater amount over 9s, toleplwne. and you can set up automatic payments. Cal us at 1800.347.2663. You VA need tat statement and your bank socoiai information. You must ensue that Vffict" funds are wapehle in yon bank account and cep verhseWons must comply weft U. S. him. You Vet be asked to provide the fim each 5 digits o(your soooW susmanl zip code. By Msrirq ena9e nurnbers 8s, Your ele[SOracs+pnetur°, you will be Wearg to flis audtwraasan to Mmus ? your bank to deduct asst payment you authorize from your bard; av.D^ send to Wisie debit or credit entries to you bank account. as applicable. to oarodan error in Ora of such payment You let us the amourt of each payment, of you can Bated on amour such as the Mitkrwm Paymant Doe or New ?ggmtted+? statement. canal a tedWar 1st Previous w must receive notice ail lean that business days in advence of the scheduled poysrxnt Y may rhody by phone vaTl be road- and683 or r by martt vat at t tine Your Automatic address omatic payment amount Paragraph. a you payments may vary in amount, we will tell you on each nwrift statement what your payment may be less then indicated on the mwr" statement based on aedius a p-ymens applied during the bang cycle. credit write Credit Reporting. We may report information about your account to credit bureaus. Late payments, meads mw& f you believe to our r [spur ?un?to be rincoected in please report We named`! report go status and payment Mom of year Aaomt to 09114112 rWwft agencies us at ere fatawrng address: Discover. PO Box 15316, Wilmington. DE 19850.5316. pleaee include you mama, address, 9 yo home bleP> t nurMer and Account number. PERIODIC FINANCE CHARGES. Periodic Frnanca Charges are imposed on at transactions kom the des the bensedion is potted to your Account twit the do you pay ynorontire Now a, Ms or mo"g aedils. However. V you pad the New Balance on your previous billing stalarmant by the Paymrem Due Date strum an that did-mad. and Bettin the N by ? Dux Dab on your current billing statement, we will not impose periodic Fitxwe Charges on now put3baes, rice is, prroMses Lrsr appearing on you the pay tuOretrerHt statement New BelemenneM. Balance We bye the asO this lit Me grace peaod.0ererwise , You sip receive a bftg statement next room; that includes Periodic Finance Charges on those, now pedhaaes, There is no grace prod on balance treaders or cash advances. Rate. For we sat you hansad ens into groupsd ped We sash aances, h su and bakince slenderdf ate wvA be sseep rettee 9 s• We refer roththem groups as tr caateegorries, N ft end of ex-tr9t°, pur riasas shrbed to a pmnnotianal We and padhew sas --toped to a for each kancadom category. We use the fetawkng equation b compute eadn b itn9 paned. we aompwte besnoea and Periodic Fkrence CAngaa fa eels day d to b Bktp period z Daily Periodic Rate, (You may refer to the fiance charge Per cdic Fiance Chsrgea la each barnedicru c-1°AaY Average ELtey Bderwe z rnanber d days u ere b Rang period 1y Charges for your suznrmsry on you bitinhg ss[enterri to titesa enwurhts J Thenwe add uP ese Periodic F once Chagas br eecL trarsactas category to get the told periodic category. Acoomt. TM Average Oapy Beterwe a slwvah as zero O, beWUSe drie grads paned re Periodic firerae Changes apply to the balance in e transaction oes9°nl We use the Average Deily BakrKe (including thew aarRecpas) meOwd d cakxdau rig Ono belasxa tgon vrhidn term tonPon Parricific finance by the Charges. We compute the Average Day Balance is each imnsscton Y by adding Up ail the da ly bawrwes th a tutting Period a a aanseaan car°8or1 and d chiding ing dire OW by one mad ea of days in the bthn cycle. ?Ne ay compute rim dally balenee ba eadn aansecTqu cebgory an each day dl frost adding t e blowkh0 to ere Prevkzu drys dopy bdaa: transactions made the dial bday. teat charged that say and Periodic Frrarrca t hnrges adonred our ex pravioua cafe deOylwlaua; a d by than etlWracting °nS dXBdila erd P°yr?s that applied your the asnoe cf the 1la ctiort w for each r arsati on category on that day Incela ns>k+g Oia daily balance br eta first day utlse toll rig period we oosida pit'previous days balancer to he have been your laws day-gory at iha tea day d yar pr-w-us bbarg Period t e bansedion s posted to yar Aucormt afar $n°dos° d 1L° bitting period in whkln t occurs, we will treat the transaction as hev- i gp oeaurad on to erst day of to besng P°"0d le wtach d s p wted b yarAccount. At fees charged b ydxuAauurt ore added b tae aandad wrdho9e lmnssdiat cebgory wilb Rio azeep6an of Cash Nkrawe Transaction Fee Finance Chagas whirls are eddy to the ?uy?a?tran4eaiah caegory art Beknce renafer Trentadim fee tarots Wbids are added b to a Fee Fr balance gter the standard ar purchase irlAlffr rate e>gtkes, we nova Ole urgzu dbalaw- of line balarw° trance end ILe 8elanoe Trans(a T[ens Firma Charges to rim st Balance purchase aensacibrr cep. Noxvaver, d ? epee-i ? ? been ? under the DetetdtReW i'sn, we leave fa unpaid baiarice Firma amt»i of the balance transfer erz1 the e Tiansfiu Trans- adiorlFoe Fnarnoa CFargea in tine appkcaM° imneedion catepay uMd rim spseddrote vrortdhav? expired. For TAD (Tskcmrmunteatotq Woe for the Deaf) assietancs. Please call 1499.347.7449. Dismor my mottila anNa record telephone calls batween you ant Discover representatives for quality asuance purposes The Discover' card is issued by Discover Bank. Member FDIC- OITBK170 New Balance Minimum Payment Due Account Number ending in 0453 D1SC(`, VEW $4,761.70 $601.00 Enter Amount Enclosed Below Payment Due Date $ Novo &, 15, 2008 Please make check payable to Discover Card Minimum payment dus Includes a past due amount of $551.00, I$ SDSNBA01 0007470 NATALIA DE LA ROSA 620 BRENTON ST SHIPPENSBURG PA 17257-2114 Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discovercom+papedess. PO BOX 71084 111111 If CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space („?rll„,,,IriL?tlrrLErarIill,rrLrlrrLrilarLaLrlrlratl above, or go to Discover.com. Print your email address to receive important Accwvnt information and special offers. 000001986458261760835047617000000000060100 Discover More Card Account Summary Closing Date: October 16, 2008 page 1 of 2 Account number ending in 0453 Previous Balance $4,772.91 Payment Due Date November 15, 2008 Payments And Credits 50.00 Minimum Payment Due $601.00 Purchases + 0.00 Credit Limit $4,100.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $2,200.00 rrrarso c ilmoss + 38.79 Cash Credit Available $0.00 New Balance = $4,761.70 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Ccshbat k Bonuse Opening Cashbook Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Cashback Bonvs® Anniversary Month: January How Can We Help You? 1 Visit Discover.com to pay your bill for no cost, viewyour latest Account information, sum and redeem rewords and more It's your choice - 3 ways to help 2. Cali 1.800.DISCOVER (347.2683) for Fast, easyself,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 Lace City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. lDPoata Payments and C edits Oct 3 Oct 3 PHONE PAYMENT THANK YOU $ 50.00 Information For You While we are permitted under the Cardmember Agreement to increase the APRs on your Account because your payment was late, we have chosen not to do so at this time. We have terminated, however, any introductory or promotional tale on purchases and any special balance transfer rate, and applied the standard APR for purchases to your outstanding balance of purchases and balance transfers. However, we reserve the right to increase the APRs on your Account If you fail to pay the minimum payment due by the payment due date. See the Default Rate Plan section of the Cardmember Agreement for details. * * * ATTENTION * * * Your account is seriously pasl due. Payment of the amount due and arrangements for future payments should be made immediately. 8985507 Unpodw ktfamstion. N here is more than one page to this Wing statement, we the back of each page (a adthlmnai important information. Sea your Carthatember pgreamant. Your CordnremberAgreement contents of me terms Of your Account. Lost or stolen cards. Repot Mvnedeteyl Call 1.800.347.2663. B"I Rights Summary. M Case of Enron; or OuesforkAbout You Bid: N you fink yout bhp is wrong, or if you read more intont adon about a transaction on your UP. write to hm on a data sheet of paper at Discover. PO Box 30421. Salt Cake City. UT 641300421. as soon aspossible. We must hater from you no %star m? 0d stair we sent you ft first bill on Which 8k wroa problem appeared. You can telephone us, but doing soi?d TO preserve you nglils- in your letter, girve t* dare IdWing Your name and Account manbek The dolor wound of the, suspected era Describe the error and explain, I you urn, *q you ballim them is an era. If you need (rare information, descnbo the item you are unsure about. You do not have to pay any smart in grteafan wlwk" we are itrvecligatingI but you are still obligated to pay the pars of your bill (hat are nW in question. While we investigate your question. we canal tepod you as ddkhquent or take any action to collect the amount you quirin . Special Rule forCre" Card Purchasse: 0 you have a problem With the qua* of goods orservices that you purchased with a credit card, and you have tiled in good faro ? ? 0 Irk protdwn wlh the merchant, you may not have to pay the rents sting amount due on do goods or sarviaes. You have firs prolection only when to purchase pace win and the purdtaze was made in you lame stale orhalwr 100 rides of you madntg address. (If we own or operate ft mwdarri, or Nwe malted you Via advertisement to the goods or services, ed purchases ere covered regardless of die amount or "on of purchase.) Payments. Bard only your payment and Do top portion of ihs statement in the wwekpe provided. Do tat send cash. By sending your check as descrbed above, you authorize us Is, M starniaUm on you died to in *$ an eteeaode fund transfer from your amount a( Iw fxadchal arsfWfon indicated an your Chad or to process the payment as a crack Uaasecti xn. if payment is processed as an alaminic fund transfer, the stealer vdd be for to amount on the creek. When we use infamafon ham your check to make anelectronic fund transfer, funds may be wit dram from yak aceaunn as soon as tM tame day we receive your payment, and you will not receive your crock tack loom your d you send cash, oormspondertce or other ilems with your paY?• t you send me payment to any other address or it you use on The lop processing of You PBYment ided.P delet'ed' Y fan at err proces>te+g facility by 6M local tans, on any day will be crerkted to your Account our of mad day Parents tam ived in proper N you have misplaced our envelope. send your payment to Discover. PO Box envelope e olhw than the one pr wnafte 5PM Payments local received lstehtlrcartrseedelay unpaid, we reserve ihi to resubmit as on electronic debt days be for a de delivery. to Y- N your r pa yo Account mtent of rill 6103, received Carol SUearh, IL 601974103, St do , LPlease stow 1-10 will 63 You vas rued lhisstewmerrt and your You can P8Y your mknimum payment of are greater that llid amount oven the vaiiinae6ta . and you can as,t up add payments. , Call us at b800-347.26aw. You bent aecatat abnnetrorh. You moat etrcur that wlfmrer l kinds nJs are ovet M you bank account, and w9 be alloilr must ?n to slow us?and your bank to deduct each 5 dgas dyour ecmuxa slalamwt zipco0a. $Y entaMg Base mrmbers as you nature, you graeeUq paytneht you eufmtize ham you bank account, and b sfry'ate debRa aeAY ankles a your bank account. as applcable. to each on error in the processing of such payment. You must on in ft previou lad us ilk amcrsu d eadn paymenC a yarn con ceted an amount Sufi es ilk klWmtnm PaymantDue Haw 8ebn 347-2663 or by mail at Ile address listed we renal recx hie nctioe al least (Mae bhnness days n advance of the atskdded peynmtst. You tray nofdY bi phcr paragraph. N York-peymonts may vary M amotM, we rod IoA you on eedt masrMy araternemwhen yen payrramw"d be made and hex much ri vris be. Your Automatic payment amount may be less than abdicated on ilk momtdy affiwrrem wed m setts a payrttr its epPyed during the biting cyde• er t a that o on you account may reflected in you credo Cretlt RepoAMg We nvyreport internetion abort your accetrt b cradA lxreauc, Caw payments, missed paynknts. or other raper. We (tamely re{wrt 1ha ataArs and payment Itwtxyd you iseccunt to aedil rePortin9 agendas each math. It you beka ve tow our report is naccurek or incmmpiete, please write us at the whiting aridness. Discover. PD Box 15316, Wdm...... , DE 19850 5316. Please Mdude your rtune, address, home Weptrone, number and Account number. PERIODIC FINANCE CHARGES. Periodic Finance Charges are imposed on all transactions bon the date sic tnensadiotr is posted to your Account unfit the date you pay you entre Nov Balance, by making payments or mcdwg credits. HVMIL N you paid fk New Balance on your previous Dd ng statwm°M by he Payment Due Dare dmwn on that stawmant, and you pay tine New Banana by the Payment Due Date on you current bekrg statemea we vnAnot impose, Pedodro Finance Charges on new puclkses, that is. purchases first appearing on the current slntomwm. We call ids the trace period. Ollherwise, you will recewe a baktg statement next monfi Oat includes Periodic Finance Charges on those new purchases. There is no grace period on balance Uwrelers or cash sdvanoes. oFor We sod you transactions wap groups of purchases, cash advances. and balance aonstars and then further sort Iha transactions within each group by fteir Awmal Percentage Rare. f example purchases a u*d ro a prompt" raw and purchases PAW toa standard taw would be separale groups. We refer to these groups as transadnn categories. At Oe end etc" lxfing period, era ccryphde oeleraes and Periodic Finance Chagas for tack day ol the being period for each transaction category We use the tolbwirp oquaNon to compute Pwadm fnnin rce Charges fa each Uwnsection cewgory Averaja Daily Balance x arrhter of days in the bdd% periodx Daily periodic Rate. (You may refer to Ile finance charge surtxnary on Your berg stateroom fa fuse aamunwJ Than we add up the Pedadc France Charges faewdh rna tsacGat category Vie balbbl n gel tic total P ion ca Finance Charges for your y to fire Aaounl. TheAverage Oaiy $elerhce is ahoWm as zero il, because d fte grace period, no Periods Frhaoe Charges appahxa in a rmtsaWpareg°ry. We use he Average f3egY 9akmce f m9 aen;eW orW) melod ol taiayfsUr 9 tic bekhnce upon vAudn we repose periodic i Friance Charges. We compute the Average, Daly fa a Uartsedmn nawtegayard tkvdatg file Idaf UY the number of days it the billing cycle. We Balarae la cads Uensadmn category by addig up a8 fad degy balances in a bail rg period canpule the defy balance to each trertsectian cate/aY areafi daY by fast adding me folovng b Ok previaurs day s daffy sVari: t applied ergmade (hut day, fees crmrans that day s bdwnotr; std f>y tlnws abtractMg airy crednts and payments Variant aganslme balance of file transaction and PoriodkFnarms Chagas aodtkd or Ike deyf tarty jpd, era n ihe'pfewada daY a balance to be" been your balance to each transaction ? on ?.McatafshigIre category last day d y period. ? N faluetdaydlkbR a is posted +9 to pe which tecors,w wiltreatthetransactionashav- ing ac rued on the first day of ilk Wag period in Wrkh it is posted to your Account, tnw"sf aeadan afcae added to the All fees charged to your Account aye added to the atan6ard ppurwchase transaction oawgory wits the exception of Cash dv to Tan Fee Finance eppf?r}?e transaction uwg xytr d Balance Traretw Transaction Fee Firknces Chair which we added the plicable batianoe tr When Transer Transaction Fee Finance Chatgos to the standard purdsase a Ir6nfsfer raw expires: We move the "rpaid belehme d dse balance tranmlar and ilk transactnan awe9crY. Ftowevsn, t Ile scratch rek has been wrtrprreled ? ?a ?? ? balance of the batamce transfer and Ire Baance Transfer Trans• arbor Fee France Charges M Ilse applicable trarasadmrncategay For TDD (Teiecommunlcatorn Device fatM Deef 1 aaistarme, please cell !100.347-7449. Discover may m rota endbr record (crept one cads between yvu and Discover ropre sontatives to poetry assurance purposes. The Discover" card is issued by Discover Bank. Member FDIC. GITSK170 DISC; AVER b"to NATAUA 4E LA ROSA DISCOVER Account number ending in 0453 Go green. Go paperless. Join the effort to save trees and clear up your mailbox, Just sign up for Paperless Statements and you can help save over 70 million pages per yew: You'll also be helping yourself to 24 months of password-protected, statement history, complete with merchant naves, locations and zip codes. Go to Discovercom/paperkss and sign up for f apedess Stawwts today. ®2010 Discover Bank, Member FDIC o? a PPRGRk.0e10 Closing Date: October 16, 2008 page 2 of 2 figyM Charge Summary ominol Transaction NUAL Dai Pailiodic PERCENTAGE ANNUAL PERCENTAGE Periodic FWANCE Fee HNANCE HAR C S Rates RATES ttA S CHARGES C current billing period: 30 days Purchases $1048.40 0.02712% 9.90°X, F 90% F 02712% 9 96 0 9.9090 90% 9 $8.53 $3026 $0 $0 . . Cash Advances $3719. . The rates that apply to your Account are either fixed (F) or they may vary IVI as now above. Quesfions? Manage your account at Discover,com or call 1.800-DISCO?VER (1.800-347-26831. New War" DISC °VER $4,701.65 16 SDSNWI 0007471 NATALIA DE LA ROSA 620 BRENTON ST SHIPP£NSBURG PA 17257-2114 Minimum Payment Due Account Number ending in 0453 $30.00 Enter Amount Encllosed Beloow Payment Due Date - ?~ $ I 1 December 15, 2008 Please make check payable to Discover Card or pay online ® Discovercard.com, Go paperiess and make your account Information more secure with password- protwted statements only you can access. Learn more at discovercon0aperiess. PO BOX 71084 111 MIIrurptlal1ra CHARLOTTE NC 28272-1084 Address, email or telephone change? Print change in space (rr(r)(„Inn?ellnrlrr)rlnrlll)ru?rslrr)ullula)nlrlrrll above, or go to Diseover.com. Print your is-mall address to receive important Account information and special offers. 000001986458261760835047016500050000005000 Discover More Card Account Summary Closing Dale: November 16, 2008 page 1 of 1 Account number ending in 0453 Previous Balonce $4,761.70 00 100 Payment Due Date December 15, 2008 Payments And Credits . 0 00 Minimum Payment Due it U d $50.00 00 100 $4 Purchases Cash Advances . + + 0.00 m Cre it Credit Available . , $0.00 Balance Transfers + 0.00 l i d 00 200 $2 Finance Charges + 39.95 im t it Cash Cre . , 701 65 s $4 Cash credit Available $0.00 New Balance . , You may be able to avoid Periodic Finance Charges, see the reverse side for details. CgStlyQtk BOIWSe Opening Cashback Bonus Balance New Coshback Bonus This Period $ 0.00 0.00 CoshboA Bonus Balance $ 0.00 Cashback-8onus®1 Anniversary Month: January 1 Visit Discoveraom to Pay your be for no coat, view your How Can We Help You? latest Account information, earn and redeem rewards and more It's your choice - 3 ways to hey 2. Call 1-SMDISCOVER (347-2683) [or 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 Dab Data Payments and Credits Nov 3 Nov 3 PAYMENT THANK YOU $ •50.00 Nov 12 Nov 12 PAYMENT THANK YOU -50.00 Information For You Your balance has exceeded your Account credit limit by $601.65. An overlimit fee may be assessed for each billing period you exceed your Account credit limit. FM Charge Summary Nominal Transaction Average Daily y i Daily Per?Jic ANNUAL PERCENTAGE ANNUAL PERCENTAGE Periodic FINANCE Fee FMANa RGES Bal l Rates RATES RATES QMC41_ CHA _ current billing period: 31 days Purchases $999.58 0.02712% 02712% 0 9.90% F 90% F 9 9.900% 9.90% $8.41 $31.54 $0 $0 Cash Advances $3750.85 . . The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Important Information. It there is from ten one page to this bitting statement, see Be beck of sect page for addjlionel mportam nlorncabon. See your CardrremberAgreement Your Cmdmember Agreementooraeins elthe temp of your Account. Lost or srotancards. Report immedrelelylCal 14y00 41.2683. Bluing Rights Summery. Incase of Enos or Questions About Your 80. It you think your bill is wrong, or d ywroad more mbr n about a VenseWOon your uuserif r N you the wile e to vs, on a list bill an gate shoed paper at Discover, PO Box 30421, Salt Lake City, UT 84 1 30.0421, as soon as possible, We s dmom you rki bier than 60 days after we One arw or problem appeared. You can telephone us, but an so will not preserve your rights, M your letter. give us the tollowrg informsion: Yom name andkooxdma0ber. The dollar amount of the suspected emir Describe fie error and eptawt, 9 yw can, why you believe tore is an error. If you read more information, describe the item you ore unsure about. You do not have to pay any artwtad in quadort w* we we investigatkg, but you we slit obligated to pay the pens of Vow bill that are not in question. While we investigate your question, we cannot report you as deincluentor take any actbrr to collect the ammmt you question. Special Rule for Credit Card Purcheses:It you have a problem with the Welly of goods or services Vial you purchased with a credit cad and you be" vied in good faith to correct the problem with tta merchant. you may rot hew to Pay to remanslg smwnt due on On goods or sentioss. You have this protection only when One purchase, price was more than $50 and to purrdoee was made in your horns state or within 100 miles of you meting address. (t we own or operate the mordant, or if awe Vraled you the advacaement for the goods or services, all purchases we covered regardless or the amours or location of p r dese.? Payments. Send Ony your pe#M and ft top portom Of h$ statement wr the envelope provided, loo not sand cash. By sending your check asdewiload above. you authorize us to use irdomnab0a on ynwr check to make an electronic kid transfer from your account at the fma+eiel i s*kn indicated on your check or to process to payment as a check transaction. It payment is processed as an eleetrenie fend transfer, Our barster will be for to amount on tie cheek, When we use inktmation from your check to make at elseuonfe fund transfer. funds may be withdrawn from your account as soon as fro same day we raceme your payment, and you wit ran receive your crock bad tom your financial institution. The proceeft dYour payin"tmay be delayed t yoo sand cash, correspondence or other items with you peymenlL l you send Our payment nary other address err 0 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 wail be crafted to your Account as of trot day. Payments received at our processing leaflty aMr 5PM bce kne will be credited oyuur Aceourdas of tee road day. If w have misplaced Vote envelope, sad your payment to Discover. PO Box 6103, Carol Stream. IL 60197.6103. Please epow 7-10 days for delivery. A your paJmrent is renamed unpad a reserve the right to resdmritit as an ektharic debt. You can pey yea rntramum peymentor a greater amamtoser tte Wephorm• and yew can setup alaa9lt payments. Cetus at i-SW347.20. You vat reed gas statement ant you bank soccurt wformabon. You munch crime to sufficient It" we available in your bank aooount and all transactions mustcamply with U.S. law. You vat be asked to provide the fast 5 des of your account steranadzpoode By entering twee numbers as you BDBCtrOrde sgnafre, you YA be agreeng t oft a ftfization to slaw us and your bank to deduct each must payment you authorize from your bank sCOtwlt. and to kpiata debit Of Cisdil Chaos to you bank &MOUnt 86 SPIP60 e, lo 0 0100 01 80 ems in the ptocessing Of such payment, Yce del us the amount of each payment, or you can sefed on armwuxsuch as the Minimum Poymaf4 Duo or to New Balance on each siwement . You can cancel a payment. however we mist tec rise nice ale least guile businessday$ in advance of the sd*dutad papeal. You may notify us by phone at 1400347.2683 of by mall at la address listed in to previous paragraph. If yoke paymetVS may very in ammmt. wewdl Ion you on each mon" stal8mad wfhem yoe paymentw6 be made and how muck it wall be. Your Automatic payment amount may be less t+ar wtdcaed on Uo mommy statement based ou a.Via or payments applied during ttebakg co,. CreditReporlMg, We may repod wdamagot alboutyarsocount to aecit bueaxs. Late peymenls• missed payments. oral ar dofaudts on your account may be reflected in your credit repot. We n wm* repot tie uam and parwd phistory of you AOowil loaedll repatng agencies each momdh. If you believe that our report is i eccurah or incomplete, please made us at to $oIbMjV address: tHscover. PO Box 15316, Warrington. DE 19050.5316. Please include you nano, address, home telephone number and Account number. PERIODIC FINANCE CHARGES. Periodic Firma Charges are imposed on aff transactions from "date the transaction is posted to your Account until the date YW Pelr your entire New Balance, by ma* payments or receiving credits. However, d you paid the New Balance on your ptevicus btkg statement by the Payment Due Date shown on that seternent. and you pay tits Now Ballurce by the Payner4 Due Daft on yaw artem being statement, we will not impose Periodic Finance Charges on new purchases, that is. purchases fro appearing on the cumant stalenheM. We cd pas got grace period. Wtewlse, you wil receive a billing statement next month that includes Periodic Finance Charges on those new purchases. state is no grace period on b bima transfers or cash advances. We son you transactions into groups of purchases. Cash advances. and balance Or"ers and than fudher sore the transacla+s wlhin each group by towAnnusl Percentage Rae. For oxenpla, purchases eubpa o a promotional rate and purchases subject toe standard rate would be separate groups. We niter othese groups as transaction Ca fro pule and of oath bating period, roes ample ledartces cad Periodx Faurwe Chagas for each day of the t>kkng period fur each section calegay: We use the roaming eWa Per odc Faerroe Charges to each trwuactasrxiegory Average Day Bebrmce x number of days n to ibalwg period x Daily Periodic Rate. (You may rotor to to frame charge summery ah yam tltehg stetenhert for these attauMs) Thantwe add uP the Periodic Finance Chagas for eedm tronsecrion category to get tie oral Periodic Finance Charges for your Acxwtml, ThsAverege Da4y Belethce s shown es uro f, betakes d the grace period, m Periodc aerhea Charges eppy to the balance in a transaction category. Vve use 1heAvamga Daly Relents (mdurW g Mw Uwhsect ws) rnet of celalnt ng Ile balance ton vAm d we Gnposs Periodafinaw. Charges. We compute the Average Daily Sailers a fa each btsnutbttt calegay loin adding up erg tle dotty belch ors ilk a bung pared fox a trace wort category and dhvWq me total by the number of days in the high g cycle. We wmpute tle daily balerhce for each vattaadion cakgay m each day by fast addwg the togvang o tle previous day's day baWa: Uamsaarons made that day, fees charged that day and Pdiod c Fiance Chwfpag atxtued on flue previous daps cagy balance; cad dy tlhen atrMraclkg arty txedits cad payments do are applied against the balance of the transecgon category on get day. let cala>le`rt the deny befits to the lust day dghe b6atg panic, we caoider to'pevaus day's bmla l whave New your hich 0 occurs, we wit treat the transaction as hav- cafogory on lhslast day 0f you prewbus MTwrg period. t a bensn Is posted o you Around after got Closed 1ta fiarg peiiod ^9 o xumal on to t tslday d 1M bbitg peiad'n viii t is posted o yarAoc cant. pa tai Fee Chagas can are goadded to ly. the At lees det,ted rte your AeOaunt ore added to the atiadwd pudhase trartsection catogay Yr to V a a trot ore of ion Ch sssta tiro parch y, When vanaedkn catagay end Belarhce Traroter Transadiah Fes Fwences wfiidk ore added o the appic balance transfer balance fee F alanc Charges tie standard puchtse a rate expims, we mow ?ro unpaid balance d Ue belarxs trawler and tle ® Trsnsiar Transaction Fee a tlasveckan caiagery Hovrever. a the apaark ree has been larrsneled kaafa Ihs Defeup Rae Plan, we fawn Qa unpaid balance of tlms balance transfer and the Balance Transfer Trans- For TOD (Telecommunkatlons Device for the Deall aasletaoe, please aN11.800.341.7449. Discover may monitor andror record telephone oats between you and Dimver representatives for quality assurance pugmes The Discove' ca rd is issuad by Disco'var Bank, Member FDIC. 01TSK170 New Balance Minimum Payment Due Account Number ending in 0453 DISC VER s4,689.88 $50.00 Enter Amount Enclosed Below Payment Due Date January 15, 2009 Pyre make check payable to Discover Card or pay online a Discovercord.com. 16 SDSN6AOi 0007472 Go paperless end maM yOW account NATALIA DE LA ROSA information more secure wdhpassword- 620 BRENTON ST otected statements only you can aocass, ?Wrnmoreat dlscoverconnIPP0riess. SHIPPENSBURG PA 17257-2114 PO BOX 71084 111.1111 It to 11111111 to 611111 CHARLOTTE NC 26272-1064 Address, "ail or telephone change8 Print change in space lrrltlltilirilrlltulttl?llrtlllltrrllilt rlnllall rlrtlrlttit above, or go to Discover.com. Print your email address to receive important Account information and special offers. 000001986458261760835046898600050000005000 Discover More Card Account Summary Closing Dale: December 16, 2008 page 1 of 1 Account number ending in 0453 Previous Balance $4,701.65 Payment Due Date January 15, 2009 Payments And Credits 50.00 Minimum Payment Due $50.00 Purchases + 0.00 Credit Limit $4,100.00 Cash Advances + 0.00 Credit Available $0,00 Balance Transfers + 0,00 dit Limit h C C 00 200 $2 Finance chows; + 38.21 re as , . 86 689 = $4 Cash Credit Available $0.00 New Balance . , You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Coshbock Bonus Balance $ o.? New Coshback Bores This Period Cashback Bonus Balance $ 0.00 Cashback Bonuse Anniversary Month: January How Can We Help You? 1 visit Ac ova cem to pay year baM for cost, r wan our Wee Account information, earn and d redeem m rowarda and more It's your choice - 3 wo S to hey y 2. Cad 1.SMDISCOVER (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 Joke City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card w6 confidence. TDateram. post Payments and Credits Doc 3 Doc 3 PAYMENT THANK YOU $ •50.00 Information For You Your balance has exceeded your Account credit limit by $589.86, An overiimo foe may be assessed for each billing period you exceed your Account credit limit. $M-6 Charge Summary Average Daily Daily Periodic Nominal Transaction ANNUAL ANNUAL Periodic Fee PERCENTAGE PERCENTAGE FINANCE Bolonees Rates RATES RATES S_ current billing period: 30 days Purchases $914.81 0.02712% Cash Advances $3782.00 0,02712% 9.90% F 9.90% $7.44 $0 9.90% F 9.90% $30.77 $0 The rates that apply to your Account are either fixed f) or they may vary (v} as noted above. (mporlant Informarlat. KOare k more then one page lotits bawrg statement, seethe bock of each page bar eddtionaf krgorlant itTamation. See your Cadmembet Agreement. Your CatdmemberAgreementa>nteins al the terms of yarAccount. Z Lost or atnktt rands. Repot ihrrpediakly! Cstl 1800-.'147.2683. Shang RWo Wrnmo>Y• In Cue of Eras or Outr0onsAbad Your Big: K you dank your bill is wrong, or it you need mere information about a transaction on your bill, write to us on a We must heat from you no Iater Than 60 days after we sent you BIB kA bit on sible 21 g . , as soon as pos separale am of payer at Disom, PO Box 3D421, Sal Lake City, UT 84130.04 which the.or problem appeared You can Wephane us. but long so will not preserve your iiglets. In your letter. give us the fabwng nfamal1w N Your name and Account number. The dollar amost of the suspected error Describe the era and expan, l you an. why you,believe owes an ens. Kyou need more information, describe the item you we unsure about 't v You Tana have to pay any a atml in question wtafe we are nvesliga ng, but you are siAl obligated to pay the pans of your bill that are not in question. vNewe inves*le your question. we cannot report you as delis oho take any action to collect the amount you question. special Rule for Ctadit Card Purchaen: K you have a problem with the quality of goods or services that you prdhased wile aore& cad, and you have tried in good lath to correct You have this protection only when the purchase price was more than $50 r sepias d h . e goa s o the problem wilt the m sich& 4 you may nor have to pay the ramaramg amount due on t and to pudase was made in Vote 1001119 efafe a YAM 100 aline of Your makV adMess. (1 we rpm a operate to meichan , or dwe meted you the advertisement for tle goods Of services. OR purchases are covered regardless of the amore or location of purd ese.) ma, Serhd pty Yon paytnem and t e top portion d Bars atatanaM in the envelops provided. Do n01 send ash. By sw*V your check as dascaibed above, you authorize us to ctraic t red trerwM Itonl Yea acoouru at to fannc al iwtiWl on krtceaed on your Trade or to ptoons On payment n a check tansf on your k d f nt er, e an o ac land trans er, lmeactt on yowdted m ma from you check eck to to make an e proaasad aeckorao land translec the treralor w n be for lea amout on the Thad . VYherr lee use nf soon as lbe canto day we raavra yew paymehu snot you vrti nor receive you check lack from your financial ksdhniart. a P; into as maY bevritr cravat from acct aocar o(ygu p K you send the payment to any other address a K you use an on any day w8 be aadited b your Account as or dud day Payments that le prose rg mrsoced your envelope, send you paymert to Discover. PO Box we reserve the right to teubmit It as an electronic detaL t is rekxned unpaid K P 7t , yar peyrnat eam. IL 6o197b103. Pfease Glow 7-tD days fa dalway. . automatic payments. Cal us at 1800.347-26113. You will reed this statement and your ou con act tar d l p y ephone. an You an pay your minimum payment or a greater amount own the te baAaccoum nformalon. You must ensue Tat erdfloW Wndc are eatable in you balk account. and el terw9a0ma must campy wilh U.S, few. You YAE be asked to Provide to first you twl be agreeing to this audarbatbn to allow us and your hank to dodo each our elacuorac sgnal re s b i tt , ers a y ng those rwm 5 do of your account steranent zip code. By emot pa vent you eruhofize from you bank account, std toini" debit or tied it entries b yow bank awwK as appliabk to area an atar in the processing of such payment. n amount such as the Mini llm Payment Due or the New Bebnce on each stales ertt You an cancer a payment. however we t l ec a tag us the amount of each payment. or you can se ce at the sdaduled payment You may molly us by phone at 14 00347-2683 or by mred at the address listed in dta previous d i d n a van ays must mock take at least arse bLoness paragraph. If your payments may vayn amoum, we vd tell you on each monthly dornent when yon payment will be made and have much it will be. Yaw Automatic payment amount l e. may be less than indicated on the monthly statement based an credits or payments appked during the blkmg cyc Credit Reporting. We may report information about your account to credit bureaus. Late payments, missed payments, or other dotadts on your account may be reflected in your atilt . report. We normally report the status and pow" Nstory of your Amount to, dada ?Bp ' . RgalCies each moral. If you (a4m that our report is inaccurate on incomplete, pease wtite address, home telephone number sotkoecumt number. Pleas* Mods your name DE 19890.5316 i , . ngmn, is at the (olowing address: Discover. PO Box 15316, %1m PERIODIC FINANCE CHARGES. Periodic; Fiance Charges ere imposed on all transactions from the bete to transaction is pasted to your Account umt the date you pay your entire revious bitting statement by the Payment Due Dab shown on that statement, and ou lance an N B t y p he ow a New Balance,, by molting payments or receiving credits. However, V you paid you pay the New Balance by ate Pal mertl Due Dale on your currant bldg llftwlt, wawR not impose Periodic Finance Charges on thew, purchases, ant it, purchases fret appearing you will receive a biking statement net mon1 h that includes Periodic Finance Charges on tfose new purchases. Time Otherwise eriod op the l do W , . p p e a s on the current statement. is no grace period on balance transfers or ash advances. We soft you transactions Into groups of purchases, cash advances, and balance transfers and than further sod ate tans"ons within eerh group by ilmpn A otual Porcemawen. For We refer totheser uncaps as aansaclion categories. derd sate wood be separate pops t t . o a s en example, prrhases si bjeet sD a pramaonal tale and purchases subject each bilkhg per od, we oomWda befertcas and Pedodwfnahoe Chotpes tOr each day of the yet ad far each fansor" caieliory. Vve use the knowing equseot to comp" nben rddays m der bdfpg paved x Daly Pe iodic Role. (You mey refer to the finance charge n 8 le tu rca x a Perio6c Firarta l hagn fa eodn amaactiorralopaK Average Deny simmrcaryon yew bl ttA s6oleihtent fa these amours.) Thenwe add pu the Penkxtic f nonce Charges (a coat frersaclon category to get the total Periodic Finance Charges fa your ra Peiodc Fnarce Charges apply to the bela ce in a frersedion category. eriod ce d a , p ce gra Auouni. TheAverage Defy Balance is sham as zerol, beause We use e a Avenge tAtny Balance (intludir@ newgasactiors) method of raruletng the balance upon whichvn inhpoae Periodic Fiance Chagas. We compute lee Average Doty Balonoc fa each trahsacdzorh alegory by addap W el ere daily beSanas n a biking period is a uansectian cale9aY and &*%q the loW by the number of days in the Mktg cycle, We the daffy bolanoe fa inch vansaction cafogoiy on each day ley WM addkmg lee hloanng to tla prevleus day's doily WSW transactions made that day, tees charged that day and Period c Fcherioe a" oarued on lee previous days daily batanae; and by Nan addradstg any coedits and payments 9W are eppled against the balahee of the transaction der dolly befaha for to 1rW day a der frirg p nod , we consider Ihe'previorsday(s balance to have been you balance for each transacdal category on that day. In calatsaa9 category on the last day of you previous btlutrg period. ff a uansodon I$ mad to your Account after the dcae of the b &ng period in which it occurs. we ml teat the transaction as hav- ing oaured on to fast day of to bilkV per od in wlach d is posted to your Account All fees charged to your Account are added to the MxWwd purchase transaction caegay V A1111 the exception of Cush Advance Tara sadim fee Firawo Charges which are added to to appyir 6101lyrarsaco i category and Balance Trahnsfer Transaction Fee Ranch Chow vdeeh ere added to the applicable balance uarster trarartmon category When a spec r rote expires, we move ibe wgaid balance of the balance transfer and the Baltmos Transfer Tramackon Fee Finance Charges to the stenberd put*" uansadbrt category. However, if the spacial tale has been lenmiirled under lee Defaul Rate Flat, via watre lee unpaid balance of fre balance transfer end the Balance Transfer Trans- acbil Fee Finance Chases in lee applicable cernactiae category aril lee special rate would have expired. For TOO (Telecommunications Device for the Deaf) assistance, please call 1400347.7440, Discover may morals andlo record telephone calk between you and Discover representatives fur quality assurance purposes The Discover" card is issued by Discover Bank Member FDIC. O1TSK170 c New Balance DISCr VER $4,679.26 Minimum Payment Due $50.00 Account Number ending in 0453 Enter Amount Enclosed Below Payment Due Date February 15, 2009 Please?nako check payable to Discover Cad or Pay onttne Q Disco?rerwrd,Com. 16 SDSN6A01 0007473 NATALIA DE LA ROSA 620 BRENTON ST SHIPPENSBURG PA 17257-2114 Go paperless and make your account Informauonmore secure wHhpassword. pprotectedstatemet>taOnly yauoanaccaes. teammore atdiscover C61W¢aperless. PO BOX 71084 111.11.4 U111111 1rrr1111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space I1911111AID A1111111nlrltu111to u1rnloil IIII$Illrlrl1Atlll above, or go to DlsCOVer,aam. Print your e-mail address to receive important Account information and special offers. 000001986458261760835046792600050000005000 Discover More Card Account Summary Closing Dats: January 16, 2009 page t of 1 Account number ending in 0453 Previous Balance $4,689.86 50 00 Payment Due Date February 15, 2009 Payments And Credits . 00 0 Minimum Payment Due $50.00 Purchases . + 00 0 Credo limit $4,100.00 Cash Advances . + 0 00 Credit Available $0.00 Balance Transfers . + 40 39 h Credit limit C 200.00 $2 Finance drapes . + as Cash Credit Available , $0.00 New Balance $4,679.26 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Ccishback Bowe Opening Casbback Bonus Balance $ 00.00 .00 New Cashbock Bonus This Period Cashback Bonus Balance $ 0.00 Cashhack Bonus® Anniversary Month: January How Can We Help You? pay year as for he cost, view ya 1 visit ax t information earn and d redeem rewarck and more latest Account inormation It's your choice - 3 ways to help , , 2. Call 1.8006DISCOVER (347.2683) for fast, easy self-service eak with a Customer Service Account Manager r to s ti Please have your Discover Card available. p ons o op 3, Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT $4130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Tram. Dab Date Payments and credits Jan 3 Jan 3 PAYMENT THANK YOU $ •50,00 Information For You Your balance has exceeded your Account credit limit by $579.26. An overlimit fee may be assessed for each billing period you exceed your Account credit limit, 00 Charge Summary Nominal Transaction Average Doily Dogy Periodic ANNUAL ANNUAL Periodic Fee PERCENTAGE PERCENTAGE FINANCE FINANCE Ba aneea Rates RATES RATES CHARGES CHARM current billing period: 31 days Purchases $872.95 0.02712% Cash Advances $3813.41 0.027129. 9.90% F 9.90% $7.34 $0 9.90% F 9,90% $32.06 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. inpatient Intarmation. If Here is more than one page iD tots 1q statement, see the back of each page for ar oortal imPorm inMnnatwrt. See your Cardmember Agreement Yor CardmemberAgecement coritsins aA the terms of your Account Lost or stolen cards. Report immedateyf Call 1.800347.2683. j Billog Rig hb Summary. In Case of Errors arf nsAbeut Yarn Bd: l you think your bd is wrong, or it you need more ntanhaton about a transaction on yore taN, wrib tans on a 0 ° separate sheet of poperat Onower. PO Box 30421, Saft Lake Ciy, UT 841304421, as soon as post We must hear from you no later then 6t days after we send you The first bill on o which tie error or problem appeared. You can telephone us, but doN so wit not preserve your rghts. In your letter- glue us the totowing information: A Your name and AccorW mwo* r? The dollar amount. of the suspected error TO Describe tie error and explain, If you cant, why you believe throe is an error. l you need more irdormalion, describe the item you ore unsure about. V You do not have b pay any amount in pmstau while we are investigafwg, but you are and obligated to pay the pans of your big that are not In gtceshon. y»iite we investigate your question, we cannot report you as del6gwm or take any aa0on to called the amount you question. Special Rule for Credit Card Purchases: If you have a problem with do quellty of goods or services Owd you purchased with a credit card, and you hairs tried in good lath to correct the problem with the merchant, you may not have to pay the remaimng wwA due on the goods or saavices. You have ft protection orry when Ole purchase price was more than $50 and die purchase was made in your lame awls or witlret 100 miles of your mm*V address. (ID we am or operate the merchant, or t we mailed you the advertisemem for the goods or services, ad purchases ere coveted regardless of the amount or location of puctase.) Payments. Send onlyyrow paymeid and Ore top portion of this sworrient it Ore enwdope provided. Do not send cash Bysergiing your checc as described above, you srdtrnze us to use atformailort on your check to make an efacrahic fund smaller from your account at the iranpal6tsfiktfion indicated on your check or to process the payment as a duck bansaAOn. If payment is processed as an dechroc fund tanner, to transfer will be b the annum on tie dude. When we use information from your check to make an dectraxc fund tiotsfer, funds maybe withdrawn nom your account as soon as the same day we receive your payment, and you cod not rem" your dock bad fom yam frianclal frsTiWfwa, The processing of your payment may be delayed f you sad cash, correspondence or odor Owns with your payment it you send the payment to any other address or O you use an envelope oft than the one piwded. Payments received in proper lomh at our processing facility by 5PM local Was on any day will be credited to yourAccoum as of that day. Payments receiver) at our processing teddy ate 5PM food lime will be credited to your Account as of the nett day. t you have misplaced your emelepe, send your Menem to fkscwer. PO Boa 6103, Card Stream, IL 60197.6103. Please allow 7-10 days for delivery. O your payment is returned unpaid, we reserve the nett to resubmit it as an electronic debit. YOU can pay your maenwm payment aa greater emmxd wet the tebpfarn, and you can set imp automatic payments. CAA us at 140347.2683. You will need this statement and your back account irdomaton. You must ensue tap wOfciert furls ere avall bfe in your bank atxotat, and OR uonigo dons must Can *with U.S. low. You VAN be asked so Provide Ore fwt 5 dgits of your account statement zip code. Byamerkhg tose numbers as your electronicegrsitim, you will be agreeing loft atrgarizafon b allow us and yourbank to deduct each payment you authorize from your bank account and to irWmb debit or aadt erwiea to you boric account. as applicable. to cared an error it the processing of such payment You must tell as the enrout of each payment, or you ken select an amhoun such as the Mi nmm Paymaa Due or d* New Balance on each statement. You can tartest a payment, howmer we roust receive notice at least tree business days in advance of to scheduled payment. You may richly us by phone at 1300347 2663 or by moil at the address tided in Ate previous paragraph. if your payments may vary it amount, we wiA tell you on each marshy stalenwnt when your payment will be made end how muck it wig be. Yom Automatic pay nets amount may be less than indicated on the monthly statement based on credos of payments applied during the billing cycle, Credit Reporting. We may report information about your account toore& bureaus. Late payments, mined payments, or other debuite on your account tray be reIKW in you credit report We normally report the maksand payment history dyou Account bcredit repod riQ agencies each month. tyou believe that our lotion: is nauarate of incomplete. please wme us at the foawrirg eddreu: Discovu. PO Bak 15316, Wilmngton, DE 19050.5316. Please mdtds you rem, address, lions telephone numbs and Account numbs PERIODIC FINANCE CHARGES. Periodic Fiance Charges are imposed on all transactions Dom the date to transxton is posted to your Aocourd until Wo date you pay your ante, How Balance, by makig paym en s or molding credits. However. 9you pad to Now Balance on yo rp ieuious baling statement by the Payment Due Dale shown on that statement, and you pay the Now Balance by On Payment Due Data on you amunt 68bg sletemem, we will not impose Periodic Finance Charges on new purchases, that is. purchases ird appearing on to current stalemem. We cal tots Ore grace period. Otherwise, you wl recewe a wiping sloternant need =it that nckdes Perrdkc Finance Charges on those now purchases. There is no grace period on balance transfers or cash advances. We sal your transacttas kilo gtups of purchases, cash advances, and balance transfers and Wen bother sat the transactaas wflin 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 lo these groups as iarseofon categories. At the end of each letting period, we ooctplte bebrrcas ant Periodic Fiance Chsips for each day of he bill g period for each transaction csaaebggoqryy. We use to Mowing equation to conpule, Periodic Finance Charges for each transaction category: Average Daily Balance x number of days in the I>*V period z Daily Periodic Rate. (You may rate (a We Marine charge summary an your baling statement for these amounts.) Then we add up the Periodic Finance Charges for each transaction call" told Ina local Periodic Finance Charges for your Account. The Average Daily Balance is shown as zero t, because of tae pace period. no Periodic Finance Charges apply to the balance in a transadion cdegay. We use toAveroge, Deily Balance (Including new transactions) meted of calculating the balance upon wNch we impose Periodic Finance Charges, We compute fie Average Day Balance for each tansecdon category by adding up at the defy balances in a billing period l or a transaction aagmyand dnsiding the total by the number of days in Sic billing cycle. We compute the day, balance far each eantsacton calagosy on cacti day by first adding to following to The previous days day, balwlce: sansacaons made fat day, tees charged Met day and Penaric Finance Charges aconred on We previous day's deity balance; and by tan subbacting any credits and payments that are applied against the balance of the transaction category on that day, n caladdig ft deity balance for the first dayaf the bdkng period, we consider Ihe'pnevious day's balance" lo, have bean your balance for each transaction category on We last day of you previous bring period. go bmsacion is posed to your Account after thecose of the Marl period in which it occurs, we will great the sansacaion as hav. ing domed on the first day of the baling period in which it is posted to yourAccount. All tees charged to you Aorau i are added to the standard purchase uarsocfon category with to exception of Cash Advance Tn truclion Fee Finance Charges which are added to the a 21VM qt a transaction ca"my and Balance benslaTransacUOn lee Finances; Changes which are added to the applicable balance trarsler transaction category. When a e r rate expires, we move fn uihpeid balance of the bdence tramf or and the Balance Transfer Transaceon Fee Finance Charges to Ow standard purchase transaction cabgory. However, if the special rate has been terminated trade fa Do" Rate Plen, we taave fs unpaid bdmnce of the balance transfer and the Balance Transfer Trans- action Fee Fiance Charges in the applicable transaction cab" until We special rate would have expirod. For TOO (Telecommunications Device for the Deaf) assistance, please call MOO-347-744% Discover may mordlor anNor record telephone cab between you and Discover representatives for quality assurance purposes, The Disoove" and is issued by Discover Bank, Member FDIC. O1TBK1y0 New Balance DI C 1VER Minimum Payment Due Account Number aiding in 0453 $4,668.58 S $50.00 Enter Amount Enclosed Below Payment Due Date $r- March 15, 2809 Please make check payable to Discover Card or pay online 0 Discovercord.com. 16 SDSW01 0007474 NATALIA DE LA ROSA Go paperless and make your account ? d n a yo 620 BRENTON ST prrot ou can access. ecte rts only y st SHIPPENSBURG PA 17257-2114 Learn momatdiscovercoWpaperiess. PO BOX 71084 111$$ 11lnussl1111ansi1rl CHARLOTTE NC 28272-1084 Address, e-moliortelephone charrgel'Print change inspace ?ultllrrlrtrlrllrrtlrrlrlrrrllllrululrrlrtllrtNrrlrrlrlrrll above, or go to Discover.com. Print your e-mail address to receive important Account in6rmo ion and special offers. 000001986458261760835046685800050000005000 Discover More Cord Account Summary Closing Dole; Fe6rvary 16, 2009 page t of 1 Account number ending in 0453 Previous Balance $4,679.26 Payment Due Date March 15, 2009 Payments And Credits $0.00 Minimum Payment Due $50.00 Purchases + 0.00 Credit Limit $4,100.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $2,200.00 Finance Charges + 39.32 Cash Credit Available $0.00 New Balance _ - 44,666,58 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Cashback fSonu& Anniversary Month: January How Can We Help You? p I Visit Discover com to pay year bill ter no test, view your latest Account information, earn and redeem rewords and more It's your choice - 3 ways to help 2. Call I-800VSCOVER (347-2683) For fast, easy self service Please have your Discover Card avoilable. options or to speak with a Customer Service Account Manager 3. Wrae us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) we reverse side Sob Lake City, UT 84130 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. Trans. Post Data Date Payment and Credits Feb 3 Feb 3 PAYMENT THANK YOU $ .50.00 Information For You Your balance has exceeded your Account credit limit by $568.58. An overlimit Fee may be assessed for each billing period you exceed your Account credit limit, Muslim Charge Summary Nominal Transaction Average Daily ANNUAL M UAI Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHUM CHARGF.S_ current billing period: 31 days Purchases $830.13 0.02712% 9.90% F 9.90% $6.99 $0 Cash Advances $3845.60 0.02712% 9.90% F 9.904. $32.33 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. important Mfamatlton. It two is more than one page to gds b&V sldenrent, we the bark of each page for adMWW inhporbM inlonnation. Sea your Caramember Agreement. Yom CardmemberAgreerMrM wntaahs at to tams of your Aaouht. Lost or stolen cards. Report immediately! Cal 1-M347-2683. Boling Rights Summary. in Case of Errors or Ountions About You BB; If you ihpnl your bit is wtoty. or A you need more information about a transaction on your bill. Writ to us on a separate sheet of paper at Baer. PO Bois 30421, Silt Lake City, UT $413M21, as soon as possible. We must hear from you no bW then 60 days after we sent you the first bill on which to ens a problem appeared, You can telephone us ,but doing to of not preserve your rights. In your Islet, give us the teIMM information: . Your na m ardAcaount number The dollar amount at the suspected era Describe the ens art explain, 9you can, why you believe tote is an era. it you breed mote information, describe the item you are unsure about. You do not here to pay any amount in uytiesflon whk we are investpli g, but you are still obligeled to pay the pans of your bill that we mat in question. White we investgete you question, we cannot report you as delft ghmrd or take any action to tolled the amatnt you q iealion. Spedd Rtda fa Creel Card Porefases:l you have a ptt>ftlath with the gttfdty d goods a services host you purchased wish a credit card, and you have tried klgood faith b oohed the problem vats rie merrtant, you any not trove topey the rerneaarp anahrt dot an the goods a servos. YW have lip protecliort oNy wham the purchase price was more Then E50 end the pucNhess was made in ytxx ham elate awitwh 1f10 rrdIsa o1 your melrhg sdlhlraas. (t we ovm aopereb the merchant, a d we nnemted you Um auhvartisememlathe goods a sendcas, a purchases arecovered regardbssdtManhorxx ateeelon of ptrchase,) Paymmfs. Send oNy you payment and one top potion d ids atetameMin the ermretopa provided. Do net sent oath, By sending your cladru desciibed above. you autnoriae us to USe tilfOhtlalah an your Cheep M rake an 918CtdrNC bird t8mfaf IrCm youacCaat 8t 1he lnMtdal Ita64Aan (ndanled On your dhed(a 0a process the payment 8a 8 ChaCk 68nsaction. l payment is processed u enelecbortic fund tranafar,the ImnsIst coif be for the arrhortM on to dMde. Whhen we use inbrmaliorh Iron your dadf b rralre art eIsctronic turd transfer, fads may be rx'lldravm Mm your aoeount as soon as the same deywe rentrre you payemnt, and you viA rot raoeive you task bade from your 6nandal instktion. The processing of your payment may be Oda* N you send cash, conespondetne or other item with your payment N you sad the payment to any other address or if you use an envelope Char than the one provided. Payments wolved in proper tam at our Woosift facility by Split local tine on any day will be =&ad to your Account as of ttal bey. Payments received at out proaasirg too* aMr RN local time will be credited to your Moon as of the next day. l you have misplaced your envelope, seed your payment to Discover. PO Box 6103, Card Stuart, b 60197.61[03. Please stow 7-10 days for delivery. It you payment is returned ahpoi we reserve ire right to resubmit h as an electronic debit You Can pay your ndn9nmxm paYhhnart ora greater amount am ft lekptrona, and you can set up automatic payments. Cat us at 1800.347.2683. You NMI need ids statement and your bank socouni information. You rust ensue that sulficient funds are, aVaibble in you bank socourt, aril all tamadions mast comply with U.S. law. You will be asked to provide to fuel 5 dgits of you account statement 4, code. ByonWing Vom numbers as you elisanow sgnakae, You will be to ids authorization to slow m end your bunk to deduct each paymard you atrtgdze from you labile eaetmt, and to rx1aIs debts eedt entries to you bank account . as be correct an error in one prom" of such payment. You must tell us the ar>cut of satin payment, ayW can salad an amaW such u the lgrdtsmPaymeM Dha a the New Balrnee W eefdh alabrmM YW cart shod a payment however we rtwsl reserve notice et bast tree buskaR days n atbartca d dot adaduted payment You say holy us by puss rtt 1?034T 2683 a by mail at the address sated as the {xevious paregreph. If you payments may varym amount. we ud{ lei you on each nantlnly aletarmM when you payrnwM wit be mhede and how nalrh t will be. You Automate payment emounh may be less than fndiceted on dot nha thgr sMtematdbased on credos a payments applied drying the b fag tycJe. Credit Reporting. We may (spat information about your account b credit bureaus. Late payments. missed payments. or out defaults on your account may be reflected M you credi report. We normally report the status and payment history of your Account to credit r apron each mouth. If you believe OW our repot is i accureb or incomplete. Please wrote us at the feoOt; address: Discover. PO Box 15316, MnAirom, DE 198505316. Plea your name, address, ham Mhphone tallest and Acoouno number. PERIODIC FINANCE CHARGES. PedofBc Fiance Charges are 4osed on all tansec4WS trop the dale thetrenseotim IS posted to your Account told the data you pay you entire New Balance, by making paymarts or DamMq credits. Howava, Ayou paid the New Moncton your previous tidlrng sisteshroM by the Peynant Due Date show on tat statermet, and you pay lite New Balance by the Payment Due Dale on youraxrerd bBavg alalomeM, we will not impose Periodic Faartce Chas" on new purchases, that is, purchases firsit appearinge on the parent datertanl. We Cal his to grace period. Otherwise, you will recewe a Wing stetenaM not month that includes Periodic Finance Charges an those new purchases. Ther is no grace period on beiancce transfers or cash advances. We sal yea tancecl ores irdo groups d pud>ssas, taut advaces, ofd balance transIsrs end then hurt err son the usnsad as with n each group by ha r Annul Percentage Rate, Fa a purchases stbjea M a prarotietal rent and purdases sugect te a standard rtM wood be separea . We reMt M hoses preps es transaction categories. At rho eM o1 each period we oompule 1hthWhces and Peiodc FiMrce Charges laeedh del of tarlntitg period for each temae6on categoy We use the folOVdng equatat to ampule Periodic Franc?e Charges hr each Uarmsection category Average Deny Balarre x number d days et tla tenting period x Da ly PerixAc M. (You may refer to the finance charge summary on yarbdenslebrmM ter lase amouMs.j Then vn add tp the Ptriadc Franc Chagos faeefin >renwdien calegny b get tla 1thW Periodic Finance Charges to you AaouM. The Average Balance is strewn es zoo N. because of dot graceperad, m Periods Firanca Charges tppy to to balance in a varredicn rategay. We use the Average Daily Balance (mckrding new transactions) method of o*Ua ng to balance upon which we Impose Periodic Finance Chagas. We arrpute the Average Dally Balance for each YanfBCDon category by adding up at the My balamoes in a bMing perod for a transaction category and dmdeg the blot by the numberof days in the billing cycle. We compute to defy baleroe for each vamacton tow" on each day by Amt addeg the following to the previous days daily balance: iminsu Clans made that day, fees datged tat day and Periodic Finance Charges, accrued on to previous do daily balance: end by then subtracting any credits orW payments that are applied against do balance of 69 transaction category on lat day. In calQtalalg the daily lbolomce fagot first day of the biting period, we consider ta'previous day's balance' b have been you balance for each transaction Category on to last day of your previous b*v period. d a Ammiecton is posted to your Account after the dose of the bbV period in which it occurs, we call treat the venation as hav- ing warred on the first day of to b&V period in which it is posted to your Account. All tees charged to your Accou t are added to the standard purchase tam48Ckon bet witlt the exception, of Cash Advance T;xwd m Fat Finance Chorps which we added to the epplceylt sAa? srsactnah ategory and Balance Transfer Transaction Fee Finances Charges which are added to the applicable balance transfer Venation category. When e apeu He axon, we move the unpaid balance of the balance trash and the Balance Transfer Transaction Fee Finance Charges to the standard purchase vasardian category However. N the special rate has been terminated taller tut Default Ras Flan, we Move the upold balance or to balance tanshr and ire Balance Tiansfer Trans- action Fee Finance Chagas in the applicable tamachon category unlit to special rate would have evpted For TDD (Telecommunications Device for the Deaf) assfame, please call i 4W347-7"9. Discover may mahibr andior record Weptcne cats between you and Discover representatives for quality assurance purposes. The Discitwil cend is isshred by Discover Bank, Llember FDIC. OITBK170 DISC `VER $N 65397 W SDSN6AOt 0007475 NATALIA DE LA ROSA 620 BRENTON ST SHIPPE:NSBURG PA 17257-2114 Minimum Payment Due Account Number ending in 0453 $50.00 Enter Amount Enclosed Below Payment Due Date $ r April 15, 2009 Please mace check payable to Discover Card or pay online a Discoverccrd.com. Go paperless and make your account information more secure with password. trotected statements only you can access. eam more at discovercomipapeviess. PO BOX 71084 Illsuiluuulhllssnllrl CHARLOTTE NC 26272-1084 Address, e-mail or telephone change6Print change in space I?rlellsrln?l?lluelulrhnlllleululrrlerllnluiul:Jul( above, or go to Discover,com. Print your email address to receive important Account information and special offers. 000001986458261760835046539700050000005000 Discover More Card Account Summary Closing Date: March 16, 2009 page I of 1 Account number ending in 0453 Previous Balance $4,668.58 Payment Due Date April 15, 2009 Payments And Credits 50.00 Minimum Payment Due $50.00 Purchases + 0.00 Credit Limit $4,100.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0,00 Cash Credit limit $2,200.00 Finance Charges + 35.39 Cash Credit Available $0.00 New Balance $4,653.97 You may be able to avoid Periodic Finance Charges, see the reverse side for deiaih. Cashback Bow? Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Coshback Bonus® Annlvwsory Month: January Cashback Bonus Balance $ 0.00 How Can We Help You? I Visit Discover com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Cog 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 3. Write us of Discover Card, PO Box 30943, for TDO (assistance for hearing impalred) see reverse side SaR Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence, Trans. Past Data Dote Payments and Credits Mar 3 Mar 3 PAYMENT THANK YOU $ -50.00 Information For You Your balance has exceeded your Account credit limit by $553.97 An overlimit fee may be assessed for each billing perk>d you exceed your Account credit limit. Maw Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic MCENTAGE PERCENTAGE FI Batances Rates RATES RATES B ?GfS current billing period: 28 days Purchases $784.18 0.02712% 9.90% f 9,90% $5.95 $0 Cash Advances $3876.48 0.02712% 9.90% F 9.9(% $29.44 $0 The rates that apply to your Account are either fixed f) or they may vary M as noted above. Important Infomodow if there is more then two page to Sus bglkg statement, see the back of each page for addlonat inrprxlant iMamakon. See your Cardmember Agreement. You Calla -W Ag-fam contains at the terms of yourAccounl Lost or stolen cards. Report O-OMeyl Cat I-Ma 347.2683. Bit" Rights Summary. in Case of Enters or Questions About Your 68' It you think your big is wrong, of it you need more Information about a transaction an your bill, write to us on a uwate sheet of paper at Discover PO Box 30421. Sal Lake City. UT 84130-1421, as soon as possible. We must heos from you no later then 60 days der we sem you the fast 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. The doter amount of 4te ouspaded error Describe the error snit explain. it you caat why you believe there is an ewar t you need more infommhton, describe to item you are unsure about. You do not have to pay relyerrhinei in question W& we am inveelipting, but you are still WOW to pay ft parts of your bill that are not in question While we inves6gete you taresaon, we cannot raporf you as "ire" or take any action to retell the amount you quesim. Special Rule for Credt Card Purchases: If you have a problem viii the quaty of goods or serrvk es that you purchased with a credl card and you tome tried in good faith to tarred to problem wAh the merchant, you may not have to pay to remaining anwhat due on the goods of services. You have this proud ion only when to purchase price was more then $5D and tie pudhase was made in your tame state orwftarh 100 miss of yet making address. (t we ram or operate the merdont. or l we mailed you the advertisement for rho goods or services, all purchases we covered regardless of tha, mad or boatlon of purchase.) Payments. Send only yaw Payment and aft, lap porfah of this suseent ent in to emvebpe provided. Do nut send ash. By sending you check as desrrbad above. you wttho ice us to use ilfamebon on your dock to make an slectiaic fund "(War tom your soaoum at the kranciat hstfidim kndcated on your dada or to praom dhs payment as a dock transecton It payront is processed as an electronic fund tenslec rte trarolerwfi be for the amount on the cMck. When we we information from yrww chsckto make an shimamcfund era isler funds may bew#Wreom from your amount as aeon as to same deywe receive you psyment, and you wil riot receive your clock bock from your financial institution. The processing of your payment it" be delayed if you sail ash, correspondence or elhet items with your payment, # you send to payment to any other address cif you use an envelope suer teen to one prowled. Payrnerhfs w6ved n proper fown at oil prooesarg hdty by 5PM kcal woo on"dayVA be aeWted to you Acmwdas of NM day. Payments received at oil promsing faakry efter 5PM local imevdi be credited to your AcoouM as of to next day. t you have mispk+ad ytaw smebpa• send yaw paymerwao Discover. PO lox 6103, Cad Stream. IL 60197-6103. Please allow 7-1Udays brdelivery. t your payment is mhmod whpad. we reserve the 4% b resubmit d es an efedrorec debt You an pay your minimum paymerhf err a greater amount as the telephone, and you an W up eraorttaic psymeros. Call us at f 800317.2683. You will treed ft statement and you bank account iMamalim Nliu mum snare that sufficient funds are feed le n your barhkeooounl, and all transactions mile comply with U.S. law. You wall be asked to provide the first 5 digits of ym account sialemerdzp code. By eMerng those numbers as your electronic you will be agreeing to this aul oraetim to slow her and your bank to deduct each payment you 8OW4e from you barlt account. and to initials debit or wedtaMtles to your krammnl set eppiabte to correct an eror in five processing of such payment. You must tell has to amount of each payrhasd, or you can allied an amount such as the Wwrim urn Payment Duo or the Now Balance on each statemtrM. You can cancel a paymerf. liomver the must receive notice at least twee business; days in advance of to scheduled paymern. You may notify us by phone at 14M341-2083 or by mail at the address 65W in the previous k?tUren o Paryinerints stray comar" y in s statement based an cron each mor" aft or parents clamed lament wduring hen the bipaythim ting cos be trade and how much it will be. Your Automatic payment amour be cycle. Credit Reporting. We may Y" nformaton about your modohat to trout huremes. Late payments, missed psymeal5. or other lletaufta on your account may be reflected in you credit report. We normally report the status and payment history of your Account b aedt reporting agencies each month. # you believe to our report is Inaccurate or incomplete, please wile us at the following address' Discover. PO flax 15316. Wll ivi gton. DE 198505316. Please induds yaw memo, address. tone telephone number and ACCOUnt number. PERIODIC FINANCE CHARGES. Periodic Finance Charges are krposed on sit raeectons from the data to transaction is posted b you Aocaat MW five dale you pay you enure New Balance, by making payments or frecevdrt0 credits. However. 9you paid the New Silence on your previous biting statement by the Payr oit Duo Date sho m on the state nit. and you pay the New Balance by the Psymatt Due Date On you curets billing slaleme billing lnwill no oImppos !P month ft ince One" ero on now purchases, that on ? new s; km apppeahsre an One current statement. We all this the grace period. 01 ervbss, you is no grace period on balance transient or cash advances. will receive a We sore your transactions Into groups of purchases- ash advances, and balance vendors and then turner soft to transactions within each group by their Annual Percentage Pale. For example, purchases subjed to a prorniokonal rate and purchases subject to a standard rate would be separate groups. We reler to these gawps as transaction categories. At the end of each billing period, we compute ben noes and Periodic Fkence Gorges for each day of the b" period for each Irarseckon caw. We use to following sWeion to compute periodic Finance Charges for each I asacim category: Average Daily Balance x number of days in to biting period x Day Periodic Rate, (You may rata to the finance charge summary on your Ming statement lor these 'theft we add up the Periodic Fnaree Charges for each trarsaChon category to get due total Periodic Finance Charges for you Account. The Average Daily Bole= is Show as zero 9, because of the grace period. no Periodic Finance Charges apply to the balance in a transection allegory. We use to Average Daily Balance linekrdsg new UsnsadiomsJ method of cact"ig the balwa upon which we wpm Periodic Finance Charges. We compute the Average Daily Balance for eadh transaction cats" byadting up at the daly balances in a WIN period fa a transaction ategory acrd deriding the tot9: by the number of days in the baino ey de. t:e compute the daily balance for each transaction category on each day by fuel adding the loiowahg b the previous day a daily balance: Uahsaahons Hawk that day, lees charged Dial day and Periodic Fiance Charges socnod on the previous day's daily balance. and by ton shbtrectinif any credits and payments that are applied against to baletce of the transaction category on to day. in calculating life daily balance la One first day of this b8kg period, we, consida Ow 'previous days balance" 110 have been yaw balance for each iransaclion category on the tau day of your previous telling period. if a transaction is pasted to your Account after the dose of the, biting period in which 0 occurs, we will treat the transaction as haw ing occurred on the first day of to burg period in which A is posted b you Account. Ad less charged to you Account are added to the standard pure ese harsadan category Witt the exception of Cash Advance Tmnsaoion Fee Finance Chagas which we added to the ypdyyyl??q transaction cetagory mW Balance Trander Transaction Fee forams Chagas which are added b the applicable balance transfer transaction category. When ea apdrllallyla?a rsre wow, we move the upald balance d9e bebnoe rarskr and to8datcs Transfer Tramm tort pea Finance Charges to to standard purchase transadhanategay Hav elver, if the special race has been (ermdnated tinder the Default Role Plan, we love the unpaid balance of the balance transfer and the Batahce Transfer Tmns? action Fee Finance Charges in the applicable trareackonceegory u dl do special rate would have expired. For TDD (Tekcommuntatons Device for the W asslstance, pkm cad 1$00347.7449. Discover may momw sndilr record telephone cats between you and Discover representatives far tpality assurance purposes. The Discover' card is issued by Dismva Bank, Member FDIC. OlTBK170 New Balance DISC VEft $4,"3.06 16 SOSN6A05 0007476 NATALIA DE LA ROSA 620 BRENTON ST SHIPPENSBURG PA 17257-2114 Minimum Payment Due Account Number ending in 0453 $50.00 inter Amount Enclosed Below Payment Due Date $ C? May 15, 2009 Please make check payable to Discover Card or pay online @ Dfscovercard.com. Go paperhms and make your accourt intorrna Lion more secure with password- proteded statements only you can access. Learn more at discover -&Wpapedess. Po BOX 71084 )?1sse?issussiisiisun?isi CHARLOTTE NC 28272-1064 Address, e•mador telephone charge?Print change In space 11111({rr1ntr?r??un?rr1r?rnr????ru?u111 Iloilo 11111rt1oilIII above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458261760835046430600050000005000 Discover More Card Account Summary Closing Date: April 16, 2009 page 1 of 1 Account number ending in 0453 Previous Balance $4,653.97 50 00 Payment Due Dale may 15, 2009 Payments And Credits . 0 00 Minimum Payment Due $50.00 Purchases . + 00 0 Credit Limit $4,100.00 Cash Advances . + 0 00 Credit Available $0.00 Balance Transfers . + 09 39 Cash Credit Limit $2,200.00 finance Ch s . + 643.06 = Cash Credit Available $0.00 New Balance , You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Sont a Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Goshbock Bonus& Anniversary Month- lanuav rm pay your bin for r view your How Can We Help You? 1 Visit Discover.4toom to latest Account unt in ini ormdion, earn and redeem em rewards and more It's your choice - 3 Ways to help 2. Call 1-800.DISCOVER (347.2683) for fast, easys4sorvice options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Cad, PO Box 30943, For TDD (assistance For hearing impaired) see reverse side Sall take City, UT 84130 Transactions $0 Freud Liabillty Guarantee Use your Discover Card with confidence. o e' Doge Payments and Credits Apr 3 Apr 3 PAYMENT THANK YOU $ •50.00 Information For You Your balance has exceeded your Account credit limit by $543.06. An overlimit fee may be assessed for each billing period you exceed your Account credit limit. E@Mpm Charge Summary Nominal Transaction Daily s t R ANNUAL -A? R R ANNUAL E NTAOE R Periodic RNANCE Fee CM 8 a T AT current billing period: 31 days Purchases $742.71 0.02712% 9.90% F 9.90% $6.24 85 $0 $0 Cash Advances $3907.62 0.02712% 9.90% F 9.90% $32. The rates that apply to your Account are either fixed (F) or they may vary (V) 03 noted above. important lnfomnatlon. if thew is mote bran one page to this, billing statement, we Oa beck of each pap for additional imponam ntoa elim o rn See your Cardrhember Agreement Your CaMnwWAgreertentoonlems all the terms of yourAccount z txet or stolen urda. Repoli immediateyl Cif 140341.2683. 0 Baling Rlghta Sur emery. In Case of Eras or QuesliasAboul Your86: W you ifrfif your bill is xsong, or d you need more iMamahion abouta tranesdlon oh ymbill, write to us on a PC Box 30421. Salt Lake W UT 841300421, as soon as pomble. We must hest from you ao later than 61) doo after we sent you the first bill on arate sheet of paper at Dleoover se o , p vdaeh to arm or problem appeared. You an btaphone us, but doing to will not preserve your rights. In your toter, give us the Wk writ; information: • Your name andAcoourd tsanber. The dole amount of to suspected era Describe the era and explain, if you can. why you believe tare is an era. If you need more intornaton, describe to dam you are unsure about. v You do not have to pay any arnourt in question while we are invealigatirrg, but you are still oblgaled to pay the parts of your bill'thal we not in question. While we invesfgete your question, we carmol report you as datiigtaril o take any sclah to collect the amOWn you question. Special Rule for Credit Card Purchases: W you have a problem with 8e quetry, of goods or services tat you purchased with a credit card, and you have tried in good faith to com id the problem with ire merchrd, you may not have to pay to rernaineg amourhl due on Due goods or services. You have this protection only when the ptmdhna price was more ten $50 acct the puic ase was made in your home stale or within 100 miles of your rrhairg address, (t we dawn or operate are merchant, ail we mused you to advertsemem for the goods or somoes, a8 purchases are oovered regardless of the amount or Location of purchase) Peynenu. Sond only your payment and the by portion of this statement in the envelope provided. Do not acrd ash. By sendsnp your dlteck as desa bed nova, you authorize us to land transfer from your account at the feseclel institution irhulcse4 on your check or m prooese to paymeraae aced trauectbn. l t ni k . , e an e ec ro c an you do* to ma domta ow If payment is prooeesed as an electronk fad transfer the Itaneler wilt be for thee amowd on Its check. When xe tee nbmarion Iran your deck to make an electronic furl manslw, funds may be afthdrawn from your ecwunl as soon as I the serve day we receive your payrnad, end you will not recewe your tack beck from your financial in stitubon. The processing of your payment may be delayed I you send cash, owespoodake of otter items with your payment, if you send the payment to any other address or it you use an ments woeived in proper form al our processing faaLlyby, 5PM local We on any day wiN be credited to your Acco rtas of tat day. Payments ded Pa D y ID am pran errveloPe oiler than reatived r our processing b*y An 5PM local tone will be credited to yourAooaurt as of to next day, t you hove misplaced your envelope, send your payment to Discover: PO Box 6103, Cad Strom, t 60197.003. Please allow 7-€0 days for doivety. 8 your payment is wtufned unpaid we reserve the right to resubmit it as an etootronk debit. You cwt, y your minimum pap" or e greater amount over to telephone. and you con set up automatic payments. Call us at 14"T-M. You vAl need this sht~ and your You must ensure that sulficired funds are ova" n yor bank account. and all pansadons must comply with U.S. low. You vag be walked to provida'the fast bank account mfansatiah . 5 d'giES of yuurAwDunt statement zip oode. By entering Ouse numbers as your electronic signature, you wit be slit" to ft author®ton to slow us and your bank to deduct each payment you soWze from you bank account. and toaesia debit or creme entries b your brhk aocoaa, as applic.", to cored an ern in 0toproesssirV d such payment. You must tell us the mtountd each payment, or you can select an amo nil such as to Minimum Payment Due or the Now Balance on each aletemont You con car cel a payment. however we must receive notice at loot Ouse business days in advanoe of the sdoMed payment. You may roily us by phone at 1.800347.2683 or by mail at to address fisted in lim previous paragraph. Ifyour payments may very in anoami, we will ell you an each mouthy Warrant when you payment will be made and how much it will be. Your Automatic payment amount may be lass then indicated on to monthly statement based on weft or payments applied during Ow pain cycle. Cie& Reporting We may report information about your account b aekM bureaus. Late payrolls, missed payments, or other defaults on your amount may be reflected in your credit We normally report the status and payment history, d yourAcooura to credit wpwft eprhaes each month. If you boitove Ghat our repot is inaccurate or incoriplete, please write report . us at to 1oilowdnt adMess: Discover. PO Box 16316. Wlr k n. DE 198505316. Please include your name. address, home telephone nuxabor and Account rumba. PERIODIC FINANCE CHARGES. Periodic Firm Charges are imposed out all fraraaet oils from the dale the transaction is posted to your Account total to dab you pay your onto by in&* payments or woeiuirg credits. However, Wyou paid Ow New Balance on your ptewors biting statement by to Payment Due Dow shown on that statement, and New Balance , you pay the New Balance by the Payment Due Dole off your gamnt billing stmemahl, we will not impose Periodic Finance Charges on new ilwheses, tat is, purchases first appowing on the cumaw slabemeaL We cal this the grace period. Otherwise, you wig receive a billing statement next month that includes Periodic Finance Charges on those new purchases. There is no grace period out talanca twisters or cash bti mces. We sat your tronsedow into groups of purchases, cash advances, and balance wnsfes and then father sort the tarsad iom within each gaup by their Annual Percentage Rate. For purchases subject b a promotional raw and "chews subject to a standard tale wodd be separate grope. We refer to Oise gaups as transaction rsrogories. At the end of example r , ios to compxo each billing period, we can" balances and Periodic Finance Chargea for each day of the bitting period fa each transaction category. We our to following equa Average Dally Balmce x number of days in the botsg period x Daly Periodic Rate. (You may, rotor to the franca charge ory h trmsaUgnh caa l Ch g . arges a eac Periodic Few" summary on your billing slakruheeht for them wruura) Then we add up the Periodic Finance Charges for each trancecdon category to got the tad Periodic Finance Charges for your Amunt. The Average Daily Balance is shown as zero t, because of the grew period, no Periodic finance Charges oppy to the balance in a transaction category. We use the Average Daily. Balance fahcuding new trasat&m) method of calculating the balance upon which we impose Periodic France Charges. We ampule the Average Daily Balance for each amsodron oak" by adMm3 up at the daily balances in a billing period br a lamactron category and dividing the trial by the ravrnber of days in dot billing cycle. We compuse Ohet dady balance for each transaction ootagory on each day by feat adding the foNasing to the previous days daily balance: tramoctians made tat day, fees charged that day and Pedodc Finance Charges aaxued on the carious doy'adahily balance: and by tan subtracting any credits and payments that are applied against the balance of the vemadim we consider Die' previous days lalenc?e'to have been your balance for each tra motion f of the billing period t da t d f f , y he as y or e category on that day. In catada i g the category on the feel day of your previwa bRatg period. W e lmsaxim is posted to you Account after the close d the g period in wldch l mars, we will treat the transaction as hav ing oaumid on to first day of the bit period in which e le posted toyour Aomn. Ali fees charged to you Aomu t are added to the standard purchase transaction category with the excepeorh of Cosh Advance Transaction Fee Fim moo Barges which am added to the and Balance Transfer Transaction fee Finances Charges which are added to the applcablebalance transfer transaction category. When euaeden cate o g y p(? n y? p a ??d?lif?OlNb rate expires, we move the unpaid balance of the bottom transfer and the Balance Transfer Transactor Fee Finance Cho" to Oe standard purchase transaction caegory However, d to spr cal rate has been terminated under the Default Reis Plan, we leave the unpaid batonce of the balance transfer and the Balance Transfer Trans, action Fee Finance Chargers in the applicable transaction category until the special tale would have expired. For TDD (Tatecommuniutkn Device for ire Dead asolstarrce, plane call 1400341-7449. Discover may mon br aoft reoord telephone calk between you and Discover representatives lot quafdy assurance purposes. The Discover" card is issued by Discover Bank, Member FDIC. O178KI70 ' New Balance a Minimum Payment Due Account Number ending in 0453 $4,630.80 DISC, VER $50.00 Enter Amount Enclosed Below Payment Due Data $ 1 1 hme 15, 20D9 Please make check payable to Discover Card or d .com. pay online 0 Discovercar 16 SDSWA0/ 0007477 NATALIA DE LA ROSA Gopoudianandmake your acco<s inforrnetbn more segue with pasavvord- 620 BR£NTON ST protecW statemerrtsany you can access. SHIPPERSBURG PA 17257-2114 Learn more at discovercortdpapertess. PO BOX 71084 111111111111 nF?r??rrrr??r? CHARLOTTE NC 28272-1084 Address, e-mail or telephone changell Print change in space loll illultrt(tlloll )tt(n)irtO1(utlnittlu1)rt)n)tt)r)n)) above, or go to Discover.com. Print your a-moil address to receive important Account information and specie offers. 000001986458261760835046308000050000005000 Discover More Card Account Summary Closing Date: May 16, 2009 page 1 of 1 Account number ending in 0453 Previous Balance $4,643.06 Payment Due Date June 15, 2009 Payments And Credits 50.00 Minimum Payment Due $50.00 Purchases + 0.00 Credit Limit $4,100.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $2,200.00 Finance Charges + 37.74 Cash Credit Available $0.00 Now Bolence = $4,630.80 You may be able to avoid Periodic Finance Charges, see the reverse side for details. CCshback Bonv a Opening CaAbock Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Cashbock Bonus& Anniversary Month: January Few Can We Help You? i Visit Discover com to pay your bill for no cost, re s new latest Account information, earn and redeem and Moro It's your choice - 3 ways to help 2. Call 1-80001SCOVER {347-2683) for last, easy self-service please have Discover Card available, options or to speak with a Customer Service Account Manager your 3. Write us ot Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Uability Guarantee Use your Discover Card with confidence. Trans. Post Oate Payments and credits May 3 May 3 PAYMENT THANK YOU $ -50.00 Information For You Your balance has exceeded your Account credit limit by $530.80, An overlimit fee maybe assessed For each billing period you exceed your Account credit limit. MW Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily PERCENTAGE PERCENTAGE FINANCE RNANCE Salcince Rates RATES RATES CHARDS CHARGES current billing period: 30 days Purchases $697.91 0.02712% 9.90% F 9.90% $5.68 $0 Cash Advances $3940.07 0.02712% 9.90% F 9.90% $32.06 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. ImpWW Infortnation. 6 there is more OW One PW to M Wiling WaMaK see the bade of 9aeh page br additional imporlard fWomreliott, o See yaw Cardmamber Agreement. Your CardmemberAgreemmd conmkre all the terms or your Account z Leo or stolen cards. Report Barad iWetyl CIS 1400.347,2683. o Bm" Roft summary. In C ase dd Errors or QuesMors Aboul Your Bit 11you 0ardt yourdll s wrag, erif you naed mote irhlemation akin a kamaction on your bdl, write to us on a WB tmdst hear tomyou no War ten 60 days dlerwe sent you to firm bit on as soon as possible UT 841340121 b Ci o y . . ty, separate sheet d paper at Discover, PO Box 30941, Salt La which the anar or problem appeared. You can telephone us, but ding so will rot preserve your rights. In yourie0ar, give us tle fo0aving infomalim: s Your name and Account mdmber. The doMaramount of the suspected error. Describe she error and aplein. 0 you can, why You believe there W. an anon. M you creed more Wormalan, describe the Rem you are unsure about You do not have to pay any amount In "Wonwth we ate inves0gDOW14 but you ore stet obligated to pw the parts of your bill that are not in question. While we krvestgate your question, we came report you as delinquem or take any action to cahct the amount you question. special Rule for Credit Card Pardo a: R you have a problem with the quality of goods or services that you purchased with a credit card, and you have tied in good (A to cored the problem vdh the mardtare, you may dtol have to troy the remaining arrant due on Be goods or services. You have this protection only when the purchase price was more than $50 d s or aril tide pudass wgs made its your home Eft urw t 100 tubes of your mating address. (If we owed oroperate to merchant or K we mddW you the advertisement for the goo services, at purchases are careted elindless of lire amount arloodw of purchase) Payments. Send only your payment and the lop pxlion atfhte statement in the ewaops provided Do not said cash. 4 seWq pad" as described above, you authorize us to use ktonlaaton on your dtedd b make an decbonk iad trarhafar tom yaw acmad at hie 1111W401 fnaddAiarh ehdMW on yaw died OF to process the payment as a dreck tansacton If payment is processed as an electronic fund transfer, tie IrarsferwN be for the amnurt of the of". When we use Wonmaton tom your duck b made an eledrmdc fund transfer. funds may be withdrawn from your account as soon as the on day we ecave your payment. and you w10 not racek your chodt back from your Onancial Institution. The proce ing of you payment may be delayed 9you sand cash, cortespmdenm or other items with your payer, 0 you send to payment to any other address or if ou use an envelope odw then Ore one provn0ed Psymees moat ed In pow ba at our processng WRY, by 6PM local lime on any day will be credited to yhurAceount as of that day, Payments t ey'? envelope ? send Your payment to Mir, PO Box received at our processing facility after 6PM local lime vA be credited to yu Amount as of 0* next day. It you have ad unpaid, av resubmit it as an act deER 6103, Card, Steam, 1160197-0103. Please allow 7-10 days for delivery. I your payment III r84nn You can pay your mlhirx4a W#rlW a a greats amount over the tebpthone, and you can surf up mlorrolic payaents. Cat us at 1404347.2683. You will need this statement and your bank account kdormatim You awl ensure thatsul6clent trafs are available in your bank account, and all transactions must comply with U.S. law. You will be asked to pewde to first 6dgb of your ac=W st0emdh17JPcode. Byemading Im numbers as your electronic signature. you will be agreekg to this autwdizabon to a1W us and yow be* to deduct each and to Iutfate debit or credit entries b your bank w=K se applicable. to cones an error In the processing of such pamnerc You must nt k . accou paymart you authoke kom your ban tea is the amount or each payment or you can sates an amour such as the N6rvmum Payment Due or the New Balance on each statement. You can cancel a payment; howeverwe must receive notice at least tree business days in adwadce of caw sdeduled payment. You may rattly us by phone at 1-000$47-2683 or by mat at the address Wed In the previous paragraph. 9 yaw payments vary in amount we will let you on each monthly statement when your payment vat be made and how much R will be. Your aukxnalk payment amount may be less than irdcated on the monthly statement based on cref or payments applied during the biting cycle. Credit RepoNng. We may report infiomnalion "Aym account to =0 bueaus. Late payments. missed payments. or other deleuls on your account may be reflected in your credit report We namaty report the at"mW psymard hi" of you A=M to credit reporting agencies sack month, tf you believe that our report is inaouxale or incomplete. please write us at the following address: Discover, PO Box 15316, WamlgW. DE 198506316. Please Include yaw name, address, home telephone number and Account number. Gram Period on Purchases to lead 25 days). ft begun b Impose Periodic From Charges on at transactors tom the7enssellon Do for the transaction as shown on your uaess a trarsactimm is posted to yourAaom outer the close of the bit" period in which R occurs, h which use we began to impose Periodic Finance Changes on that te nt b ba t tg s me . r a period in wfddh R is posted to your Account. We anbnue to Impose Periodic Finance Charges uNi hie dale you pay your erode New Balance, banset904 from It fiat daydt the WhV . by making payments or receiving deft. Fkxvever. Ryou pad Aa New Balartoe on YotrprevAods Wfrg Amemem by ft payment Due Date shown on that bang statement and you pay the New Balance by the Payment Clue Date on yew cued big statement we will not impose Periodic Flown Charges on new purchases, that is, purchases fast appearing on ne anent billing slalemea YYe call tors ta'gtace parted. There is no grace period on balance transfers or cash advances. Minimum Fhence Charge. We will large you a minhum FINANCE CHARGE of $.50 for any billing period in which periodic Finance Charges of less than 5.50 would otherwise be imposed. Annual Fee. 9 your Account has an annual fee, hwR be billed at the begkahkag of each anniversary year yourAccounl is open. The amount of the In appears on the stalemea when the fee is lofted. The annual fee is not ratualabte untess you no* us that you wish to close your Account wdtdn 30 days of the mai or delverydate of the statement on which the tee is belted. You will receive this mind am 9 you use your Cad during tat penod. Periodic Finance Charges, We eat your transactions Into groups of purchases. cash advances. and balance transfers and than kx aer sat the transactions within each group by their Annual Percentage Rafe. For example. purchases subject lo 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 biiing period, we compute balanms and Periodic Finance CYhargea for each day of the balg period for each transaction calegory. We use the Wowing equation to compute Pemrodic Fiance Cxaarges for each transediaf oetegory: (Average DAY Balance) times (days in bil %period) times (Daly Pwio* Rate). (You may rater to the unarm charge summary on your MM statarnea for Mess amounts) Then we add up the Pak& Finance Charges for each transaction category to get lie total Periodic Firexa C haiges for yo rAcwun. The Average Daly Betance is sham as zero 11, because or the grace period. no Periodic I mane Charges apply to the balance in a tensecbn category. We lel!y Balance (indddirg new Yar sacfant) method of calculating the balance upon which we krpose Periodic Finance Charges. We compte the Average Daly Balance W each aansaaUon category by ad" up atlhe daily balances In* WIfi gpedod kr a earsacton category and dividing tide tote by the number of days in the biting period. too compute be defy balance br each transaction category on each day by flat adding the lo" to rte pre,vai?o?,s? days daily balance: transactions with a TransWi m Date of that Its which case the transaction will be added nt 9W tae cloaca the billing period in which it occurs A d t i t , o your ccou m is pos e day as shown m your bbV sta?er& unless the tarsact to the daily balance as 0 the list day of the Ming period in which it is pooled to your Accoum tees charged teal day add periodic finance Charges accrued on the previous days day balarm; and by then subtracting any crafts and paymentstlat are applied agaRst the baanos of the tanseclim category on that day, Its calculating the daily balance for the first day of the bWq period, we consider the'prevfous days daily balance to have been your balance for each tanseclbn camM on rte tat day of your previous bung period. All fees charged to your Atmurt are added to the standard purdave Irmacton category with the exception of Cash Advance Transaction Fee Fdwra Charges which are added to rive and Balance Transler Transom Fee Finance Charges which are added to the applicable balance transfer transaction category . When ance transaction cate or h d bl li g y e cas a v app ca the special rate expires, we move to unpaid Wm of tae baWam transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category. However. It the spwW rate has been terminated under the Default Rafe section, we leave the unpaid balance of the balance trarder and the Balance Transfer Transaction Fee Finance Charges In tie appiu ble balance transfer kansadon category until the special ale would have expked. For TDO (Telemtm'nunlcotions Device for the Deaq assMance, please call 1-000347.7449. Discover may mdnka andior retard telephone cats between you and Discover representaives For quality assurance purposes. The Disccver' card is issued by Discover Band. Member FDIC. OtiBKi 71 New Balance Minimum Payment Due Account Number ending in 0453 l d DISC VER $4,619.70 $50.00 Be ow Enter Amount Enclose Payment Due Date $ July 15, 2004 Please yoke check payable to Discover Card or d .com. pay online 0 Dixovercor 16 SDSN6MI GOD7478 Go paperless and make your socount NATAL IA DE LA ROSA Intamatron more secure With password, 620 BRENTON S7 protected statements a* you can access. arless a N d SHIPPENSBURG PA 17257-2114 . P lscover..ca p Loom more at PO BOX 71084 lllrnl?usur??rllrrrnl1rt CHARLOTTE NC 28272-1084 Address, e-mail or telephone chongef Print change in space loll rllrrlpill llurlrrlrlnnllllrrrlulnlullsrlrxlrrlrlloll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458261760835046197000050000005000 Discover More Card Account Summary Closing Date: dune 16, 2009 page t of 1 Account number ending in 0453 Previous Balance $4,630.80 00 50 Payment Due Date July 15, 2009 Payments And Credits . 00 0 Minimum Payment Due $50.00 Purchases . + 00 0 Credit Umit $4,100.00 Cash Advances . + 0 00 Credit Available $0.00 Balance Transfers , + 38 90 Cash Credit limit $2,200.00 Finance charges . + 70 619 54 Cash Credit Available $0.00 New Balance . , You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance S 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Coshbock Bonus® Anniversary Month: January How Can We Help You? 1 valet Dica to pay yarn loan for no cost, you own and redeem m rewwards and more latest Account information our choice - 3 ways to help It's , 2. Cog 1.800-DISCOVER 1347-2683) For fast, easy self-service er Account Mana S i C h y g ce ustomer erv a options or to speak wit Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing implored) see reverse side Sob lake City, UT 84130 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. Trans. Post Dote Date Par»errts and ovilits Jun 3 Jun 3 PAYMENT THANK YOU $ .50.00 Information For You Your balance has exceeded your Account credit limit by $5 19.70. An overlimit fee may be assessed for each billing period you exceed your Account credit limit. MGM Charge Summary i ?e Nominal Transaction ANNUM AMMAL Periodic F odic Per Dollly Balance Rates PERCENTAGE PMCENTAGE FFNANCE E RATB RATS CHAMS current billing period: 31 days Purchases $654.27 0.02712% Cosh Advances $3972.80 0.02712% 9.90% F 9.90% $5.50 $0 9.90% F 9.90% $33.40 $0 The rates that apply to your Account are enher fixed (F) or they may vary (V) as noted above. Important Inbrrtadon. If fare is more than one page to tae bang statemem see ft back of each Da94 for additional important momma! M12111011. rp Sea you Caydmember AWo*m & Your CardrnemberAgreamma contBi s at the reins of your AoccPA z a Lost or ablar exile. Report imredlatelyl GA 14WW-26U ° f you need more carnation about a transaction on your bill, write to us on a Billing R)pphts Stsnreary. In Case of EMM a WastbnsAboulYour BR: f you think your bill le =" We must tear from you noleler it. e0 days after we sent you the fast b R m a -0421 o $ . , as soon s"Fais atwetdpaper at Dlecova, PO Box 30121, Sall lake CAy, UT 54130 which to error or problem appeared. You con telephone us, but doing $0 will of preserve you high s. In your later, gfwe us 6a following Itarmaton: . ,Your now and Accost faamber The char amoum of the suspected error. Describe the error and expidn. If you can, why, you believe Noe B an error. If you need more a kirms ion, describe Ina Ram you are unsure abort. say emoat In question 1vh6ewe areawestpaling, bud you are SIR obligated to pay the pens of your bill that are not In question. While we t le your do not trove to pa Y T O y y ou question, we carrot repor4you as delinquent or take any *am to collect the amount you question, SpeWt Rule tar CtsdR Cud Purchases: f you have a problem with the quality of goods or services that you purchased An a credit card and you have hied in good faith to txxred You have bus prdedim only when to purchase Vice was more than $50 oods a servos t qua m the o k . g un sn9 am to prablern wabh lire "a"oh" you may nil Ensure b payta rema and pine parses was mutate n you lanx slate awRihkh 100 mess d your rrheBng access ft wR own a operate the nardhanl, or awe rootlet you the advetgseahat for the goads or services, at padnases are covered regandbssd the armors! a location d purchase.) era By sanding your clack as desmbed above, you authorize us to Payrweete Send otfy Y i'oY> and tla bP P d o1 yIX7 check or b process the' payment as a check transaction. f r i f W t e . rans c ieboxon from your c heck b make an eleGra your check lose lean YoN!mantal insUwtim. accountas receive your payment. and you will not reux b M04 1 e The prowls" d your payment my be delayed gym send cash, correspondence or other Rome vaNyour payment, R you send the payment to any other address or f you use an arvek Qa dMr pan po one provided. Payuants rewired n pmePx lam star prooeser g Y let 5PM k collets on any day will be credited to Your AowW as of OW day. Pa le D stover. PO 6a yew misplaced w5 be wedded b year Acmunl al lim 5Pt1lo t c e ter rewired al our proeetslg farillY o t Ionralubmil4 as an ebchonebit, the mant is rekrrhed tanpaW Stream, t.60197611q. Please allow 7-10 days fa delivery. g you pay Cad 6103 , , You rah peyyoa ntnimharn paynerhtor a greaa acnounr axthe telephhao and you urn set up autanatc paymets. Cal us at 1.600.347.2669. You wa'R need ft slatemnit and your aliah Yau must ensure tlot suBda t funds tiro available n your bate ecwhaa and m trasaakrs must eonWly AM U.S. in You will be asked to provide the fast M 114 h 0 d a orm u eOOOU uct eac beh nk to de 5 dgks d ynarrawarmt stalernKM ZIP code. BY emerin6 tone nuwbersae your eleWOde agnaWre youwp lea agree ng to Ws,aut o+iza6m b afow os and your b ou author¢e from your bank six amt and to nRlaledebt a creel t anetes m your bank aooarnl as app! xbne to correct an ens in the processing of such payment, You must nt y payme ust receive rhotw aft teasl treentbuSnyesa daysvanesd phe sd>eddal payment You nhay rotfy phaa at tw-800.347.2663 or by rrrall the address hied in the pwiliars t may m paragraOL I your lay me vary in amoAA, we Will led you on each am" statement when Y? paynant YA be made and how much ii wR be. Your aulomalic payment amoun be less ton indicated on the monthly statement based on credits or payments applied during the biting ryda. Credt Reporting, We may report intamaton about your account to aedR bureaus. tale paymcils. missed payments, anther do*& on youractAUmt may be retested In your credit We mmmky report One at" and papent Malory of yourAcooWto crede reporting agemkteseach monN. If you bateve gat our report is (accurate or traomptets, please wras ort re b A . p K num us M to fallowing adifress: Diecom. PO Boa 15316, Wilmington, DE 195506316. Please Include your name, address, home Meoxim number and Aco= Grace Period on Purohasas fat least 25 days). We begin le enpose Periodic From Chagas on of transactions 11001 fa Transaction Date for the transaction as shown on your unt alter the dose of the billing period In which R our ans. in wtich case we begin to Impose PedohAe Frame Charges oft that d A to Your cco tiding stakinent, unless a transaction Is poste transaction from the fast day of Ne b&V period In which it is posted to yourAaomt We conemre to nhpoae Periodic Finance Chmgee until the data you pay your entire New Balance, if you paid the New Balance on your preview bOn slaleaont by the Payment Due Dale sham on that bong stetement and you pay However asdts o . . ft by making payments or - ft "rd fire Date on yoaamant Ming sater ad, we will not Impose Periodic Finance Changes on new purchases, that is, purchases trot appearing on the b l y ance tla New Ba current bOV satement. We call ets Ne'graw period:' Thera is no grace period on balance transfers or cash advances. Midmum Finance Change. We will cargo you a minimum FINANCE CHARGE of 5.50 for any biting period in which Periodic Fnance Charges of IM Nan 3.50 would olhemviSe be Imposed. Annual Fee. If your Account has an annual fee, it will be billed at to beginning of each andversary year your Aawum is open. The artont of the fee appears on to statement when the tea is Mod. The annual fee is of refundable unless you no* us that you wish m dare yes Anoint W" 30 days of the masirng or delivery date of the statement on 46 the fee is baled. You will receive fie mW even it you use Your Card diming dos parrot. Periodic Flamm a Charges. We son your transactions kto Wes dpudhases, cash advances, and balance trenslens and thin further sort to bansactms within each grew by purchases uMed b a proros'onal rate and purchases sAw to a standard rare would be separate groups. We refer to Mese groups as For example ir Amoral Pmceaage, Rate th " W , . e e use tranWdian calegories.At the end (it each Mkhg period, we compute balances and Periodic Finance Charges for each day of you bfng period for each transaction category. M%iii g equation to compute Parodic Fiance Chagas for each havaact n calegay: (Average Dally Balance) Wm (days in biting period) rimes (Dally Periodic Roo), (You may refer to the fawwe large summary on your 6i5rg saement for these amounts.) Than we add up to Pedodtc Finance Charges to each transaction c*" to get the total Periodic Fiance Charges ter your Awo nL The Average Dally Balance is shown as zero t, because of the grace period, no Periodic Finance Charges ap* to to balance in a trahseco?m?cpate=go?ry. We ust Balance (hduday new transactions) mdlod Of MkUW* gfo balance upon which we impose Periodic Finance Charges, We wmpuie the Average Daily Balance for each war n category by adding up of the dafy balenws in a tiding period for a transaction category and dividing Me load by the number of days in the bMq peiod. We compute to daty balance for each transaction category on each day by first aging the mtadng to to previous days day balance: aarmacaonswftr a Transaction Date of tat day as sham on yow bWg ldatema unless tic vasadcn is posted to your Accou t aler the dose of the billing period inwfich 0 occurs, In wftdh case to hansadbn will be added to the daily balance as of the first day of M baing period in watch h is posted to your Aaoum, fees charged that day and Periodic Finance Charges accrued an the previous days dally balance; and by than subtracting any credits and payments foal are applied 898W the balance of ga vansactoa Want on that day. in wkxtatng to daily batenoe for the fist day of to bill" period, we consider tho'previous day's daily balance to have been your balance for each Vivisection caogory on the lest day of your pn;vious Wing period. Ad lees changed to VorAteoua are added to the standard pachese transoctbn categaly vA M exception of CashAdw ince Traleadfon Fee Finance Charges w hk h are added to the apphcabk cash advance barmodon category and Balance Transfer Transaction Fee Finame Charges watch all added to the applicable balance narrator transaction category When the special rata expires. we move fa w W balenoe of the balance transfer and the Balance Transer Tronsac5m Fee Finance Charges to the standad purchese hinsecton category. however. R fa special rate the been terminated under the Deladl Rate section, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges in the applicable balance transfer lransactm ode" until the special rile would have expired. For TDO (TaUcommunti aeon Device for the Deaf) asststanee, please call 1500347.7449. Discover may macho andla amid telephone cats between you end Disoae representatives fa quality assurance purposes. The Discover' card is Issued by Discover Bank, Member FDIC. OMKI71 DIS4r VER $4Now ,607.24G 16 SDSNSAol WOOS NATALIA DE LA ROSA 620 BRENTON ST SHIPPENSBURG PA 17257-2114 Minimum Payment Due Account Number ending in 0453 $50.00 Enter Amount Enclosed Below Payment Due Date $1 August 15, 2009 Please make check payable to Discover Card or pay online 0 Discovercord,com. Go paperiess and make your account informaton more secure with password- protected statements only you can access, Learn more at dlscovercorNpeperless. PO BOX 71084 IIIurllusnrl?rllrrrrllrl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change inapaea above, or go to Diseover.com. Print your amai) address to 4n1rj1rrjnrjr1jstill rI II Its III (mjujn1rr(it jrrloll rjrrjj receive important Account information and special offers. 000001986458261760835046072400050000005000 Discover More Card Account Summary Closing Dole: July 16, 2009 page i of 1 Account number ending in 0453 Previous Balance $4,619.70 Payment Due Dale August 15, 2009 Payments And Credits 50.00 Minimum Payment Due $50.00 Purchases + 0.00 Credit Limit $4,100.00 Cash Advances + 0.00 Credo Available $0.00 Balance Transfers + 0.00 Cash Credit UmR $2,200.00 Finance Clrer es + 37.54 Cash Credit Available $0.00 New Balance _ 4,607.24 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Cashback Bontie Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonvs® Anniversary Month: January Cashback Bonus Balance $ 0.00 How Can We Help You? 1 Visit Discavencorn to pay your bill for no cost, view your P latest Aceourd information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347.2683) for fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD jossidonce for hearing impaired) see reverse side Salt take City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trassir. Post Date Payments and Credits Jul 3 Jul 3 PAYMENT THANK YOU $ -50.00 Information For You Your balance has exceeded your Account credit limit by $507.24. An ovedimit fee may be assessed for each billing period you exceed your Account credit limit. FINOW Charge Summary Nominal Transaction Average Dal Daily P i d ANNUAL PERCENTAGE ANNUAL PERCENTAGE P odic Fee y er o ic FJA FINANCE „ alone Rates RATES RATES CHAR S , CHARGES current billing period: 30 days Purchases $60874 0.02712% 9.90% F 9.90% $4.95 $0 Cosh Advances $4005.79 0.02712% 9.90% F 9.90% $32.59 $0 The rates Thal apply to your Account are either fixed (F) or they may vary (V) as noted above. Important Inlorroatio n, If them is more than one page to this billing statement, see the back of each page for additional knponard inlomtation. See your Cardnromber Agmemarc your CardmemberAgreement contains sit the lawns of your Amount. Last or stolen lards. Report nanedialeyl Call 1406.3474653, Sitting Rights Summary. in Case of Errors or Caleslen&Abou11oar818 I you thirds your bill Is wrong. or if you rmed more Information about a transaction on you bor. write to us co a separate sheet of paper at Dlscova. PO Boot 30421, Sal Lake City. UT 841304421. as soon as possible. We must hear Irom you no later data 60 days after we sem you he first bill on which fine am or problem appeared. You can telephone us, but doing so all not preserve your rights. M your W. give us the following lnformahon. Your name and Axant aumber. Thedosaramoutofthe acted ave. Desame to ufrcorand H you can, why you be5ave bare is an eve. !f you rhmd more kdonna5on. desu0e the item you are unsure about You do not have to pay any amount in question W* we are Investigating. but you are slit obligated to pay the pans of your bill that are not in question. Vyhfte we invaligate your question, we cannot report you as delrquet or We any action to outlast dw mount you questiiai. Sw.W Rude for Credit Card purchases: I you have a problem with Sue wanly of goods or services tluat you purchased with a ova red, and you have vied in good With to cared the problem with to metchea you may not have to pay in renunkhingamouar due on the goads or services. You have his protection any When the purchase pr a was more than $50 and the pwchase wea made in your home We awithin 100 alas of your no" address. (If we own or operate the merchant, or d we mated you the advertisement for the goods or servios, al purchases era covered regardless of lea amount or location of "dim.) Payaants, Send oNy yea ?Vment and tta tOp Paton Ot Id5 StatenlOrR in Lila emslope provided. lb trot send cash By sertng your rhed as dusttited ebave, you eutlhoriaa us b Ed. ktomeUon on yotrdeck b make am efearauic krnd Uas(a tom your acCauat at Ina 6nerhdal inslAdian irxtated an you dueck a lo process the payment as a cftedc Uarsaclion. t payment s puooessed ore an eiadrmie6asd transfer, the bander wR be to rim amount of dha check. What war use information Iron you dhedd te bake an etearahk fund tansler, Ede may be whlMrawn from you account as soon as Ma same day we n celwe you payment, and you wit not receke your dads tlacf from your tstalnCiat ksikhtioht The processing of your payment may be decayed 9you sand ash, conesporubnce or other items vtth your payment, t you send the payment to any other address or I you use an envelope other dam the one provided. Payments received in pow form at our frocesoag feality by 5PM local Sane on arty day will be credited to your Account as of that day Payments received at our processing IncWy afterVM local time will be avOW b your Account as of Me next day. It you have misplaced your envelope, send your payment to Discover. PO Box 6103, Carol. SUeatu. R 60197.6103• Please asow 7-10 days for deMery. If your payment Is reamed unpaid, we nwmre Me right to lesubrnt d as an electronic dsb It You an pay your m1m mrn payment or a greater amount over the Wepborns, and you can a* up eutoanalie payments, Call us at 1-800.317.2683. You ell need this statement and your bank amout k9ormadom You mush ensum that w4deol fade am availabk in your bade aumnl and all Uansadiats must comply with U.S. law. You will be saked to provide the fast 5 digit of you accout statement ZIP code. By mtairrg too mummers as your decbatc sigeetas, you *1 be agreeing to ft alMoritaiion to al us and you bats to deduct each payment you aulil from your bank account. and to Iodate debt or credit entries to your bank somant as applicable to correct an error n the processing of such payment. You most ten us the amount of each payment or you can select an amount such as the MUiana Parse nt dire or the New Balance on each statement. You can cancel a payment however we most receive notice at least Me brdnees days In eciver mof the scheduled payment. You may noYy, us by phone at 14(10347.2683 or by mail at the address listed in he previous paragraph. If you payments very in amount we will tell you an each morhtty statement when you payment will be nude and how much it will be. Your automatic payment amount my be less Ilan w4c" on he raw" statement based on credits or payments applied during the biWfg cycle. Credit Reporting. We. may repot k4onmWn about you amoum te credit burets. Late payments. missed payments, or other defauhs on your account may be reflected in your credit report. We normally report he Ol s and payment Iislory of your Amount to credit repoRklQ agencies each month. t you believe Mel our report is inaccurate or incomplete. please write us at to blowing address l woo. PO Box 15316. NNmYgbn, DE 19850.5316. Please include your name, address, home telephone amber and Account number. Gram period on Purchaser W least 25 mys), We begin to Wpm PaebtBc Finance Charges on all tramsadions from the Tratsaiio n Date for the vanssc im as shown on your bring slalarent, urtess a transaction is posted to your Amount afterft close of to billing period In which tooarrs, In MO arse we begins toW pm Periodic Fiance Charges on that transaction from he first day of the bing period in Mitch h Is posted b yaw Account. V% malnue b impose Periods Finance Chagas umi the date you pay your entire New Balance, by making payments or receiving credits, However, I you paid are New Soloace on your prevbus bring statement by the Payment Due Date storm on that Wag statame t and you pay San New Balance by lea Payrram Die Dale on you anent billing statement, we will not impose Periodic Fiance Charges an new purchases, that W purchases 5rst appearing on the current bring statement. Vfe at this In -grace pent' There is no aaa period on balance transfers or ash advances. Minimum Finance Charge. We will charge you a minimum FINANCE CHARGE of $50 for any billing period in which Periodic Finance Charges of less than $.50 would W*rwise be imposed. Annual Fee. H your Aomut has an annual fee, it oil be deed at the begkukg of each annirersny year your Amount is open. The anwund of be fee appears on the statement when the fee is bfkd. The annual fee is not refundable unless you notify us that you wish to close your Account wttia 3D days of the mailing or delivery dale tithe statement on which the lee is billed. You wR receive this refund even it you use your Cam during Mat period. Periodic f manor Charges, We sad your transactions into groups of purchases, ash advances, and balance transfers and then further sort the transactions within each grosr by their Annual Percentage Rye. For example, purchases sugeot to a pram clonal rate ant pucases std*d to a standard rate world be as gro,ps. We refer to hese groups as transaction to legorim At the and of ewh boll period. we compute bftlanca and Periodic Finance Charges for each day of the losing p IOd for each vaisacticn category. We use the following equation to compute Periodic Finance Charges far each bansacli m calegoy: (Average Daly Balance) firm (days in luring period) times (Daly Periodic Rate). (You may War to the finance charge summary on yotrWM smtemaut for these amounts.) Then we add up the Periodic Finance Charges for each transaction category b get Me total Periodic Finance Charges kx your Assort The Averogo Dally Balance's sham asiem if, bemuse of the grace period, no Periodic Finance Charges apply to the balance In a transactor We ira8y Balla ce {indu ft now Imnsaedus) meted of caAvleft the balance upon which we impose Periodic Finance Chagas. We compute he Average Oaly Balance for each rransettiau at" by adding up ail the dally balances in a tiling period for a transaction category and dividing he total by the camber of days In he billing period. We comptfle the dairy baance 1x each transactor category on own day by first adding the following, to the previous days daily balance: vansadions with a Transaction Date of that day as 6hm on you biting statement. unless the transaction is posted to your Account atW the dose of he billing period in which t occurs, it which case the transaction will be addled to the daily balance as of the first day lathe billing period In Ma it is posted to your Accout. fees dtaged that day and periodic Finance Charges accrued on the previous days daily beiuacel and by than subtracting any aeihs and payments that are applied apakut the balm of Ina transaction category on that day. in calculating the daily balance for the first day of the billing period, we consider the 'previous day's defy balaoW to bare been you balance for each transacton category on the last day of your previous biting period. AN fees charged to your Account are added to the standard purchase, transaction category with the exception of Cash Advance Transaction Fee Finance Charges Mich are added to the applicable ash advance transaction category and Be*=Tranaler Transaction Fee Finance !]rages which am added b the applicable bautme transfer vansocuon category . When tle ePecaf rate expires, we move the urpaid balance of he balance banister and the Bala lie, Transfer Trans ldlon Fee Finance Charges b he standard purchase transaction category However, g the specld rate has beenaemweted under to Default Rafe section. we leave lire unpold balance of the balance tenter and the Balance Transfer Transaction Fee Finance Charges in Ia appi ablet botahce transfer transaction category urdt the species rate would have, expired. For MD (Telecommunicailoas DevW for fie D1eaq assistance, please call 1$68.347 7449. D scover may mentor andbr record Wephone arts between you and Disaver representatives for quality assurance purposes. The DiscovW cod is issued by Discover Barad, Member FDIC. OiTBK171 DISC VER New Balance $4,593.95 16 SDSN$AOt 0007480 NATALIA DE LA ROSA 620 BRENTON ST SHIPPENSBUR6 PA 17257-2114 Minimum Payment Due Account Number ending in 0453 $50.00 Enter Amount Enclosed Below Payment Due Date $ September 15, 2009 please rake deck payable to Discover Card or pay one G Discovercord.com. Go paperless and make your account Information more secure with password. pprrotected statements only you can access. Liam mm at discover comlpaperiess. PO BOX 71084 111m11uaa1lst1as1111 1 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space Iu{1{111{ 111111111 1111111111116111111111111111111111A 1111 above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458261760835045959500050000005000 Discover More Card Account Summary Closing Date: August 16, 2009 page I of 1 Account number ending in 0453 Previous Balance $4,607.24 Payment Due Date September 15, 2009 Payments And Credits 50.00 Minimum Payment Due $50.00 Purchases + 0.00 Credit Limit $4,100A0 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit limit $2,200,00 Finance Ch arses + 38.71 Cash Credit Available $0.00 New Balance _ $4,595.95 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonu a Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Cashback Bonus9 Anniversary Month: January 1 Visit Discovsr.com to pry your bill for no cost, view your How Can We Help You? latest Account information, earn and redeem towards and more It's your choice - 3 ways to help 2. Call I.80DOISCOVER (347-2683) for fast, easyselFservice options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3, Write us at Discover Card, PO Box 30943, For TDD lossistame for hearing impaired) see reverse side Soy Lake City, UT 84130 Transactions $0 froW Unbilify Guarantee Use your Discover Card with confidence. Dumb' Post Dc to Payments and Credits Aug 3 Aug 3 PAYMENT THANK YOU $ •50.00 Information For You Your balance has exceeded your Account credit limit by $495.95. An overlimit fee may be assessed for each billing period you exceed your Account credit limit. N8sDtin Charge Summary Noorrr1?lina) Transaction Average Daily AFOVt1AL ANNUAL Periodic ENTAGE ER F QfS tly Periodic PERCENTAGE C P FWANCE /JSCE F Boldn Rates RATES RATES CHARGES CHA&M current billing period: 31 days Purchases $564.35 0.02712% 9.90% F 9.90% $4.75 $0 Cash Advances $4039.06 0.02712% 990% F 9.90% $33.96 $0 The rates that apply to your Account are either fixed IF) or they may vary IV) as noted above. Important ini mwtom tfdwre is more than one" to loss bairgsteWff4K see the bOMa earn page ax awworhw w1W-u see your Cadroondmr Agreement. Your CardmaabaAgreement contains at the terms d yourAcmnt. Lost or rdolve Garda. Report imnedialelyl Cad 1141110,W 461111 Bung RI.Ms Summary, In Case of Enas of OuestimAbout Your BI: It you ddrdc your bitis wroonngg or i you need mom Womislion about a transaction on your bl, write to us on a separate ON of paper at Disoover, PD Box 30421, Sall Lake City. UT 84130-0421. as soon as possble. We musthear from roe us the you no late ma after we sent you the Tad bill on which the armor or problem appeared. You can telephone us, but doing so will not preserve you tight you Letter, . You nam and Accent number. The doiaamotmt of the "Vocled error. Describe the amend a**, t you can. wiry you believe dwre is an are. tt you need more inbroatbn. describe the flem you are unsure about. You do not have to pay shy ammnlin qucrion mbte we arc Investigating. but you are all obligated to pay the pass of your bill that ere not in question. While we irnestipale yaw question, we cannot refloat you as dA*W or take any action to collect dw amount you question. Special Rob for Credit Card Pw am,. N you have a problem with the quality of goods or services that you purchased with a credit card, and you have dad in good bath to correct the Problem with the mmdwrht, you may not have to pay rite remaining amount due on the goods or services. You have Us protection onlyW4wn die putchose•price was more than 550 and the purdhese Wes made in you home stole or Wefdn 100 urges of you main. address. (If We own or operate the merchant, of N we noted you dw advensenwm for the goods or services, At purchases are covered regardless of me amount or baton W purchase.) Paymahfs.Sahd oMy you paymela ant 1hs lop potion W 0ds atmoment in the envelope provided. Do not send cash. By sanding your check: at; described above, you authorize us to urea mbmwtah on yeas dwde b malts an aledron c bunt Uarster Irorsn You eccout at the fahanciat nslfirtior khdcated on your dhacr ate process the payment as a died transaction, tt paymheM a ptocatsed x an eta pia soars asane deywa rcodve you paymau, andyaa wd nor rooaae your check bx from your fin ??el InalMom fund heather. khmfim from your check to lands may be wAthd ev+n frorn Your Taw ptoassig d you peymera may tea drtlayed tyw send s>uh ceresporhdenhcs a other Items win your psyrnernt, i you sand the almtent» any other aft"s o (O you use an envelope other dren the one provided. Paynwnts received n proper ktnr er our pracesaug faclTy bY! PM kcat tkrw on any day will be credited to ou am your pain wit as to Discover, W day. Payments temeived d atpmot ling tecltl alterSPM toed tans wit be cradled te youAwoxrt ea ddie next day. t you have rnitpte d Your envelope, senW d y you PO Box 6103, Card, Skeam,.,rg7187?6103. Please stow T-10 days for datrery Nyour payment is rehanad lahpaid. ova reserve the dg1+t to resubmit t as an etntirtfo* adc d e1>a. You can pay yourmktimtan papem as greater arnmWa over the kleplahe. mhd you can setup aufanaticpeyroads. Cat us at 1.800-347-2883. You vM creed tons stnernenl and your bank account Information. You moat ensure that sullidem bads as walabae in your bank awwrn6 end all transactions, oast mamply w1h VS. law. You will be asked to provide be first 5 dgks a your account stater ant ZIP code, By entering those mmftm as you electronic signature, you oval be e?re?Yg to ails auOhmimton b atow us and your bank b dedYd mesch ust payment you m0n rite from you bank sowue. and to taste dabd or credit onties In your bank amount, as applia.W, to cared an am in the prooessing of such payment tent us the amount of each paymare or you an seted an aaamt such as the IT *= Payawnl Due or Ire New Balance on each stalmmem You an cancel a payam t however we nowt receive notice at kcal ldaee business daps in advance of the scheduled pope a. You may rally us by phone at 1 800347.2683 or by met at to mess listed in the previous paragraph. If your paw-is vary bamwM. we Yet lei you on each moot ly she m M when your paYmenl YA be made and how nub it wie be. Ywn autanatic Payment anoint may be less than indicated on the monthly slalamni based on UaFae or paptnts applied during the billing cycle. Credit Repwdng, We may report inlomoWn about you account to credd bureaus. Late payments, missed payments, or Whir defaults on you arxxxnt may be reflected in your credit report Noe norrm* report the stwus and payment history of you Account to credit repo" agates each mono. P you believe that our report is ma=rate or IrMT tale, please w0de us at the fallowbg address: DMover. PO Box 15316. Wirriagton, DE 1W%5318. Pleas ndude you narm, address. home telephone mmhber and Account somber. Grace Period on Purmbases (at WW 25 days We boo to Impose Periodic Finance Charges on afl transactors from the Tronsadon Dale for the transaction as sbovm on your billing vam tatenorht LOW s the transadon is Posted W Amount star One is posted yo?OAaaof Om unt. Wye rrOm to ng ese Periodic Firm Charges until the h pose pay you entire NewSatance, e eca ay of vi Nov delis. period in ' w4tdh N by m i acta from irk by making paym wMa or reeeiyyg credits. FWvrever, t yakr pad to New Balance on your previous bB4 ateterrsM by the Payment Due bate slrowvh on tltat bothg stelameM and you pay the New Balance by the Payment Due Date on yonuwnat billing statement, we Wit not impose Periodic Finahce Charges on new purchases, that is, purchases first appearing on the anent Wing statement. We aA ties the 'grace period" There is no grace period on balance transfers or cash adwnces. Minimum Finance Charge. We wl charge you a mWrtvm FINANCE CNARGE of 550 for any burg period in *tkh Perbd!c Finance Charges of less than $.50 would otwnvice be imposed. Annual Fes. If yourACwud has an annual fee, it wil be filed at the beg-wing of sad anniversary year your AaouM is open. The amatt or the In appears on the statement when the too is bli The annual tea is not refund" unless you nWNyus the you wish to dose your A=m vAmm 30 days of the mating or de" data of the stateme ht on which the lee is bled, You wit receive lhls rekan an t you use you Card during that period. Periodic Fimme Charges. We sort your transactions into groups of puc am ash advances. and balers transfers and than framer sat the (1ah58Ctar5 witsin each group by thei Annual Percentage Rate. For examplepurchases rxrbjed b a pmi*VwW rate and pwdmes subject to a standard late would be separate groups. We rater to these groups as transaction ate.oriss At the and of each Wig period, we coripute balances and variation Finance Charges for each day of the billing period for each transaction category. We use the blbwhg eQUation to wmdark Periodic Finance Charges for each uarwacem co"W: (Average Daly Balance) lbws (days in biting period) &- (Dolly Periodic Rate). Penocimay refer to it* linonce ke Finance Cat" la y?aAmW. TheAv?ge NW9 slaternent for those Daily Balance dorm as zero". beThan we 90 up the Petiodic F Inance Charges cause of me grace period, no Poradmance Chews apply to the balance ta inafhe )coal P transedbn alegay ,?. War w Balance (n"%new'transed'ons) meow of h;, wry, the balance upon wttdih we impose Periodic Finance Charges. We Compuk the Average Deily Bate,n?o,,q, ?W,,y ormoon category by a" up bit dire daily baknas In it bOV period W a tratteolf`on category and dividing the total by the nur ber of days in the biting period. We con" the daty balance for each Wa sactah category on each day by feel adding to klivi rig to the previous °t daily boom: nasoc%o s with a Traruclon Dale of mat day as dho m on you biting statement, unless the transactions is posted toyrourAccount after dire dose of hebling period in which N oasm in which case dire transaction VON be added to the daily balance as of too first day of dw billing period in which k is pooled to yyaouaAc=A, fees charged mat day and Periodic Finance Charges aomM on the previous days daffy balance; and by than subtracting any credits and patmaas Pelee apptad against the balance of the transaction.. a1nt,e?rg?eo??ry on that day, in cx+?Aaing the daffy balance for to first day of the bit period, we whsida !w'pnevbus day4S dally balata' b have been your balance for each inscmdon ategn an me last day of ywr previous biting period. AN lees charged to your Account are added to the standard purdose aansactim altepry with the exception of Cash Advance Transaction Fee FbarsCharges 4k h are added to be applicable act advance tram on category and Balance Transfer T?aneadion Fee Fiance Charges w" are added to the appkable balance Uawfer transaction category. Wtwh 0w Sel we expires, we move the unpaid balance of the balance tra ster and the Balance Transfer Transaction, Fee France Charges to the standard purchase transaction category the pedal re bakes Uanterminated under the DOmA akamxlan egay u? Rate tie seeds) rate [am the unpald would have balance of the balance border and me Basins Transfer Trensa ion Fee Finance Charges in t vorod For TW (Tekcammunlosdi ms Device for the Deaq assistance, please x01.80/-347.7440. Discover may nwhor soda moord telephone calls between you and Dhcaver reprea tatives for quarry assurance purposes. The O scavsr• card is issued by Diswver Bank, Member FCC. OiTBN171 New Balance DISCOVER $4,584.55 16 SDWA01 0007481 NATALIA DE LA ROSA 620 BRENTON ST SHIPPENSBURG PA 17257-2114 Minimum Payment Due Account Number ending in 0453 $50,00 Enter Amount Enclosed Below Payment Due Dale $ 1 7 Ocfober 15, 2009 Please make check payable to Discover Card or pay online 0 Discovetcord.com. Go paperless and make your account information more secure wish passwa'd- pprotected Statements only you can access, Leant more at discover con1papextess. PO BOX 71084 (Ilsrslt,r,r/sllrll„rrtl,) CHARLOTTE HC 28272-1084 11{1{ir{{ Address, email or to6phone change? Print change in spoce 11n1t11{1ir{,11r19111111 11114411111111111411 above, or go to Discover.com. Print your "all address to receive important Account information and special offers. 000001986458261760835045845500050000005000 Discover More Card Account Summary Closing Date: September 16, 2009 Page 1 of 1 Account number ending in 0453 Previous Balance $4,595.95 50 00 Payment Due Dole October 15, 2009 Payments And Credits . 00 0 Minimum Payment Due $50.00 Purchases 1 + 00 0 Credit Limit $4,100.00 Cash Advances Balance Transfers . + + 0.00 Credit Available Cash Credit Limit $0.00 $2,200.00 Finance Chas _ + 38.60 584.55 = $4 Cash Credit Available $0.00 New Balance You may be able to avoid Periodic , Finance Charges, see the reverse side for details. • Opening Cashback Bonus Balance $ 0.00 Cpsh6atk BOt1u5 New Coshback Bonus This Period + 0.00 Cashba& Bonus Balance $ 0.00 Cashback•BonwS Anniversary Month: January Now Can We Help You? 1 Visit Dtscoverco,n to pay your b10 for no cost, view your latest Account information, earn and redeem towcuds and more 2. Call 1.800-DISCOVER (347.2683) for fast, easy s4service It's your CI1QICe - 3 ways to held 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 Uabihy Guarantee Use your Discover Card with confidence. Dafes. Pod Daam Payments and Credits Sep 3 Sep 3 PAYMENT THANK YOU $ -50.00 Information For You Your balance has exceeded your Account credit limit by $484.55. An overlimit fee may be assessed for each billing period you exceed your Account credit limit. FIB Charge Summary Nominal Transaction A pay i? eeed6 k ANNUAL PFRCENTAI3E ANNUAL Periodic PERCENTAGE FINANCE F F i% s RATES RATES current billing period: 31 days Purchases $518.93 16 73 0.02712% 02712% 0 9.901/9 F 901/a F 9 9.90% $4.36 90% $34.24 9 $0 $0 . Cash Advances $40 . . . The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Important Information, t Owe is more than one page to ft biting slatemett. see is back of each page for additional Important 8donelim, o sea your CamimembesAgreamant.YourCo erAgreementcontainsalethelermsofyourAmount. Last a down suds. Report immerlaelyl Call 1.800,147 2669. c Bltkg Right Swntnaly. In Case of Errors a DOellaW Abdul Your Bit. If you **& your bOl is Yo% or 9 you need more Wometon about a transaction on your bill. wry b us on a PO Boa 30421, Sat Lake qty. UT 841340421. n soon as possbe. We mutt hear from you no later than 60 days after we sent you the first bill on se arate shed of paper at Deceiver c o p . which the error o (problem appeared. You can telephone us, bul doing so will) not preserve your rights. In your letter, give us the following information: Your name and Amara number. The dollar emWUl of the suspected amt. Describe to emorand e*ain, it you can, why you believe thane is an sm.. t you creed more mammal on, describe the hem you are ume about. o v You do not have to pay any amount in quealion whie we are inw*)afag, but you are sad obligated b pay the pads of your bill that are no in question. While we investigate your question. we cannot report you as delinquent or take any action to tilled the amount you question. Spacial Rule for Cradle Card Purehnes: tyou have a problem with the qualify of goods or services that you purchased whh a cruet card. and you have died in good faith to correct the problem web the merchant. you may not have to pay the renainmg amount due an the goods or services. You have this protection only when the purchase price was more than $50 and de pumJnsse was made In your hone state or wit* W mtes of your making address. (t we own or operate the merchant, or t we mated you the adverosemenl for the goods or services, ad purchases are covered regardless of the amoal of location of purchase.) urpeymal and the loppaton d this ateknent n the amvebpe Provided. Do not said tsaln. BY sending ychr decc ? desatbed athove, You ahttmortrb nil k Pay use check If patai an ffi!M lardfrom yar accewnt as anon as the same ddy we tecehre your payme? and you vrit not remFe your chat bade horn yaw financial ksMuton, The pr A%kgor your payment maybe delayed t you send cash, oo espoderwe or other Items with yaupsyma t, t you send the payment k any other address or h you use an SPM lam time on any day wilt be aediled b your Account as or thatdap. Payments fadt b rocessi f l ur i d i y y orm a o p g ve n proper envelope other than the one provided. Payments rece received at our processing laoiity aver SPM local W* *W be credited b yourAccourn as d to text day .0 you have misplaced your envelope. send your payment io Discover, PO Box 6103, Carol, SUeam. IL 60197-6193. Posed, stow T-t0 days for delvery. V yaw payment is returned unpaid, we reserve the right to resubmit Ras an etactrau debit. You can payyour mklman payment Ora greater amount aver the teteptane, and you an ad up a somatcpaymerhts. Cal a at 1400.347-2683. You will real this statement and your kw. You will be a" to provide the first lli U& are avabble in your brit a =K ad al transactors must compiywlth U.S to s t Y 1 t , anmue onna on. u ou mus bank amount m sigralsm you A be agreeing to this augrorizaton to allow us and your bank to do" each IP code. By numbers, as your ekdroolc 5 dighs of your account deemat Z am in it rocessin t r ct li ble Est = . o co re an r ca deblit or cog entrin to bank acmunt. g a payment thowever tell us to amount of each payment a you an select an amord such as the A4rnwm Paymebark account. as app * nt Due or ga New Balance, on each statement. You p must receive notice at least tract Wsnau days in advance of the scheduled payment. You may holly us by phase at 1.6043472683 or by net at the address Paled in the previous wig be made and how much it WO be. Your automatic payment amount may on each monthly statement when your pap" you paragraph, te ? tbilling cycie. ft or payments applied during the to cra monthly statement based Cr ted on the ? than irdia Credit Reporting. Nk may repot Ytamnatan sboui your account to aedt brews. Late payments, missed payments, or ahw defouta on your acotiurt may be reflected in your credit report. We normally report the status and payment WAry of your Account to rxedd reporting agencies each mash. tyou believe OW our report is inaawee or mcompee, please woke us at to following address: Disom. PO Box 15316. Y ngtoh, DE 196545316. Please Induce your ran*, address, hens telephone number and Account number, Grace Pwiod on Ptrrctwsa (at kast 2S OWO, We begin to Impose Periodic Finance ChatW on all transactions from the Transaction Date for to transaciom as shotiwm on your billing stalemeM, unless a Induction is posted to your Account air to does of the bWq period in which it occurs, In which can we begin 0 repose Pertoalc Finance Charges on That transaction from to Fret day of the biting period in xfikh k is posted to yaw Amount. We Cm*w to hmpeee Periodic FkW4e Charges until the data you pay your entire New Balance, by making payments or receiWn i aerie. How i. V you paid Nil New Balance all your previous bung statemerut by the Paymal Due Date shown on that billing statement and you pay the Maw Balance by the Payment Due Dale all your current billing statement, we xhl not Impose Periodic Finance Charges on new purchases. OW is. purchases first appearng on the current biting statement. We call Urns the *grace period: • There is no gram period or balance transfers or ce eh advances. Minimum Finance Chow, We will charge you a mourn FINiWCE CHARGE of S.50 for any billing period in which Periodic Finance Charges of less Than $.50 would otherwise be imposed. Annum Fee. t your Account has an annual lea, it wit be billed at the beginning of earth anniversary year your Account Is open. The amount of to nee appears on the statement when the lee is bRed. The annual fee is not refundable unless you notify us that you wish to dose yourAocoum within 30 days of the mating or delivery date of the statement on whidh the tee is bYed, You will receive aim mkadeven t you use your Card during tW period. Perlodk Finance Charges. We sat your transactions rite, gra ps of purchases. ash advances, and baanse uatWers and than further sat the transactions within each group by IheirAmxml Percentage Rate. For example, purchases st*d to a promotional rate ad purchases subject le a standard tae would be separate groups. We rater to these groups as Iransacdon ategmks. At the and of no bidig period. we compute batenoss and Periodic Finance pages for each dayd the biting period for each transaction category. We use the lollmOng equation tornmpute Periodic Finance Charges for each transaction ategory: (Average Daly Baknoe) limes (days in billing period) toes (Daly Periodic Rao). (ybu may refer to the chance cage summary on your billing statement for dress amounts.) Than we add up the Periodic Finance Charges fir each hansecga+akgory to gel the total Periodic Fake Charges for your Account, The Average Daily Balance is shown as zeros, because of the gram period. no periodic Finance Charges apply to the balance in a r ad bn a o r k nm? p g ?? y.7'` p? ?? We uramar V aenr Balance (Including I new transactions) method of alnlating the balance upon which we Impose Periodic Finance Changes. We compNe the Average Dally Balance (or each tansactm oe" by adding up a6 the daly balances in a bung period fa a trarmc t category end dWdahg the focal by the number of days to the WM period. We ompue the daily banana for each transaction eaegoryon each day by first: adding the ktowng to the previous days daily balance: tanseclims with a Transaction Date of that day as slnowm on your bling slaw end unless to transaction is posted to yrowAccatd *W the dm of the biWg period In which t occurs, In which case der transaction will be added ' s daily to the daily balance as of the first day of the bMng period in which it is posted b your Account fees cnaged that day and Periodic Finance Charges accrued on the previous day balance. and by than subbsc rV any credits and payments fret we applied against the balance of the tratsactmn category on that dsy. in alculati g the dally balance for the 0rst day of i tring period. Be biding period, we consider the •pevous day8 delly balance" to have been your balance for each Yansmilm category on the last dayd your previous M As fees charged to your Account are awed to the standard purchase transaction category with the exception at Cash Advance Transaction Fee Finace, Charges which are added to the applicable cash advance transaction category and Balance TraakrTransaction Fee Finance Chagas w" am added to the applicable balance Wensfer sansadion mlego i. When de special rote expires, we move to unpaid balance of the balance Willer &W the Balance Transfer Trarsacdan Fee Finance Charges to the standard purchase uaaaction category. However, t the special rate has been terminated wrier the Default Rate section. we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Fneiu Charges in the apptmble balance transfer transaction category until to special rate would have expired. For TOD (Teleconummications Davtoe for the Deaf) asstsWxs, plesse at 1404347-7448. Discover may monitor andlor record telephone calls betwreen you and Discover nepteeenetres for quaitry assurance purposes. The Discover` card is Issued by Discover Bank. Member FDIC. OITSK171 New Balance Minimum Payment Due DISC, VER $4,773.06 $176.00 Payment Due Date Ncvesrrber 1S, 2009 16 SDSWA0I 0007482 NATALIA DE LA ROSA 620 BRENTON ST SHIPPENSBURG PA 17257-2114 Account Number ending in 0453 Enter Amount Enclosed Below $ 1 .?] Please make chock payable to Discover Card. Minimum payment due includes a past due amount of 150.00. Go paperless and make your account information more secure with possword- proteoted statements o* you can access. Loam more at dtscovercorNpopertess. PO BOX 71084 111nr11s8119sllalloulL1 CHARLOTTE NC 28272-1084 Address, e-mail or telephone changelt Print change in space 1rrlrllrilrnlrllrttlttltltsr1111rrrltrlu10111 lrr1n1r1n11 above, or go to Discover,com. Print your e-mail address to receive important Account information and special offers. 000001986458261760835047730600000000017600 Discover More Card Account Summary closing Dots: October 16, 2009 page 1 of 1 Account number ending in 0453 Previous Balance 54,584.55 00 0 Payment Due Dole November 15, 2009 Payments And Credits . 00 78 Minimum Payment Due $176.00 Purchases . + 00 0 Credit Limit $4,100.00 Cash Advanm . + 0 00 Credo Available $0.00 Balance Transfers . + 110 51 edit Limit h C C 00 200 $2 Fittmtce charges . + as r Cash Credit Available . , $0.00 New Balance $4,773.06 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Banuse Opening Cashbock Bonus Balance 3 0.00 New Cashback Bonus This Period + 0.00 tashback Bonus Balance $ 0.00 Cashback Bonu39 Anniversary Month: January How Can We Help You? 'visa t`brmto pay yew bill , altionion earn an fd°` red no e eem mrewarcfs wards n atest Account innform and more l It's your ChOltt3 ' 3 ways t0 ?? , , 2. Call 1-BOD-DISCOVER 1347-26831 for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Cord, PO Box 30943, For TDD (assistance For hearing impairedl see reverse side Sae Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. F ? ' da4. Other/Mfscellaneaus Oct 16 Oct 16 OVERLIMIT FEE $ 39.00 Oct 16 Oct 16 LATE FEE 39.00 Information For You * * * ATTENTION * * * Your account is post due. Please pay the past due amount now, or contact us to make other arrangements. fiesm Charge Summary Nominal Transaction Average Daily Do! Paritdic ANN11A1 PERCENZWE ANN M AGE Periodic FINANCE Fee FINANCE $alcinc Rates RAM RATES _ CHARM current billing period: 30 days Purchases $499.43 0.07942% 28.99% F 28.99% $11.91 $0 Cash Advances $4138.31 0.07942% 28.99% F 28.99% $98.60 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. tnDortamt MtomnSon ll Uhae is rose wren are gage to auk bilip9 aaemat, see ire bas 010MM Page ha eoaua a ahgxrtuma eh unww ,. Sea yoar CardmarohxAr+womt• Your Cardmember Agreement wrtains 89 the isms of yourAcmunt lostot stoten code. ReportiMM"mldyl Calf 1.100 347 2664 BNNrg Rights Summaryc In Case of Errors «OuestiarAbout Your SRI[ you amid your UIi is wror4 oril You rated m«e frdooddon urban a Irarre5c0on on your bN. Wow us on a separate shast of paper appeared, ? 30telephone butdClt% o'ng ?m WN 0 ore erveeyyow?riph# in Your feW. gnome ufrom you no s the, fowin?g'xdor realion: der we sent you the first bill an which go em rrs a podem appeared. Ya Your name and Aoraurhl ntlllba. The doss amaat of" suspected ans. DM" the error and Mies. t you can, why you believe (here is an aura. It you need more irdonnallm describe the Rom, are unsure about. You do not have to pay any amornt In ?? while we am action to collect to ~ you question, am still oblipted to pay the parts of your rl that are rat in cluesdon. While we investigate your vueslion, we carrot report you delkrquent We any Spectel Rule f« Cra?l Grit Purchases: U you have a I><ot>?! 'f re 4uhatitlf of g «sorvioes Vol you pludrased with a aaR card. and you have tried In goodmilln «e than wrect are prdtem wnbh the nhardart you may not have ro pay the reiilaning amount due on doe goo %a services You ham this protection only when the purchase price was m se?iv4?rssw Pad+e?ses a?wvered degad?ass of the M a?be?or?of pta?1 ?. pH we own «operete the merdnarrt, «H we mated you the adverbsemem for rite goods or Payments. Sand any) PaYmanf op portan d this state rreM In Ana erhvelepe provided. Do tat send rash. By sanding your dnedt at described above, you authorize us to use InlornWhon en yourdhed: o rnalce an eteWadc fund trarslerhom you a x yet al the fasneai ns6Wibn YerXceted on aw male an electronic Aardktrtransaction. anat H payment k P as an etecsanie tied tra Mier, the ntsia wdA be orthe amour bl ire ctreck When ice use Information your d" to- may bur wiahhiravnh from your ecoount as soon asthe same day we deceive Yea paymaht. and you wN dal receive Your dh drt from ram erk bade from your firwhdal Insgoton. The processing of your Payment may be delayed H you send cash. wmespamderhca or erred Home withyour payment, N you send dto payment b arty other address «H you use an envelope ottertan the one provded. Payments rershed m proper loan a{ ax Processig facTty ty 5PM bcal9Yrre on any day will be credited o WAwounl as to fir' Payments Box received at txlr pmoessktg f > ailed ocal be aediNb to yaurAmawnt ore d dine rred day. M you love y slop a S? l . the right to b ms resubmit I as as an electronic . 8103, Corot, Strean, R 611197.6103. Please aNow 7-10days or detwery. U your payment is reWmed and. ? reserve You can pay your nrkwrraarh Daymanf «e greats anhewM over fire teteptana, and you can sat up anAahaticpaymanla. Call us at 1-11IM347•Z663. You will creed ads statement and your frank aw0unl khtonrtatiah. Ww anal ensure Ihal aAlderel Gads 8de aveHabha m you batik BccaNeL and Uansa xorre must carpfy with J.S. law. You will be added to provide the *9 5 dg x otyourarmuM atatmna+t Z? code. BY piefi^g f awnf as your eladroNc s gnNura. Yw+vA bur to this artHtoritaYan to allow us and your bank to deduct each payromlyom assts Ze from yew batcacxodst, and ro khttidl0 dabs a audit erddesb y bat account, ac to correct an am in the processing W such payment. You must Oct{ us the amamt e>teadn payment a you con fekdan amount BUCK K the MNtmum Payment Due a tlhe hive Balernee on each summit You can carnet a payment; however we mast receive r at feast tree business days in advance of the sctredided paymatl You may natty hrs by pfhone at 1600.397.2663 or by mail M do addresstblad in gnetxevious Paragraph. lf Your ppayments M nor u WOA woo nbed Will onn Of payments Vwpkwd sa g twill be made and taw much it will be. Your automaNC payment amount may you mca"galemertwhen be less than Indicated on the cycle. Credit Reporting. th may report information about you sowed to credit bureaus, We payments. missed payments. or other data & on Vona swami may be receded in your aeGd rayon. We normally report the at" and payment history of you Account to a" reporting agencies each month. U you believe M our report is Inaccurate or it oornpfete, please vets us at the crowding address: Discover. PO Box 15316. Wllm4 on, DE 19650.5316. Please Include your name, ad&ess, tome elephone number and AcOMA number. Grace Period on Purchases pat oast 25 days). We begat to impose Periodic Flnwce Gorges on all transactions from One TrmnsectiOn Date or fire transaction as dv m on your WW* swernenl unless a transaction is Posted to your Account after the dose of the tolling uedod In which it occurs, in which rsse we begin o enPoee Periodic Finance Charges on that transaction from the &d day of the Ong period it which t is posted to your Aowud. We conteoe to impose Periodic FInence Charges urdN the date you pay yon en0re New Baforce. by payfnahtea rwolvirg weft Hamm, Nyou pod the New Balance on yew previous btfag deferment by the Payment Due Date shown ion that bitn9 slag meat ad you matin PaY the Now 9alanca by the Psymerd Due Damon yaxanaK blHar9 staff we will not impose Paio& Finance Charges on new purchases, That is, purchases first appearing on the cement Ming sW menu We met this ft 'grace period"Tlrere is no grace period on balance transfers or cash advances. Minimum Finance Charge. We vin dnrge you a rrordmum FINANCE CHARGE of 5.59 for any billing period in which Perlorac Finance Charges of less than f,50 weed otherwise be imposed. Annual Fee. U WAcw«d ties an annual lea, HvA be billed at the beginning of each a iMmary year your Aowuni is open. The amoanl of the fee appears on the statement when the fee is bisect. The annual fee is nit retimdatile ailass you note us that you wish to dose yourAwouni within 30 days of the mating at dehmy date of the statement on which tee fee is balled. You will receive this reWnd even 9 you use your Grit dung that period. Periodic Finance Charges, We sort your transecbms Into groups of purchases, cash advances. and balance traostsm and ghat ka/or son the transactions wghin each group by their Ar usl Pe A*p Rata For example, purchases subject to a promotional rata and purchases subject to a standard rate would be separate groups. We defer to those groups as ri ex" Pabdhac Finance periA we a compuat bosom cand Periodic Finance Charges for each day of the bgkg period for each transaction category. We use ate transaction categories. At the end of ig (Average Daily Balance) times (days in billing period) times (Daly Periodic Rate). (You P may Flnnrotor to me m finance charge sommmy on a to Acco The ? Daily Balance ishbawnt amounts.) dt?use of ? theeggra?ce presod no Period? Chargetransaction s appl oty thebalaanncto get ee in ache total transaction category. We e* Balance (i n lulling new transactors) method of eat ob" the balance upon which we impose Periodic Finance Charges. We compete the Average Daily period. yecompire I* dally balance for andn?transWag up actah all the dally n each day by firm aW period 4 the blmvtransaction adeM ing to the previous and dividing ba cowlocal s: uasuathe number of dions with a Transaction ansin ft action Date d aha clay as shown on your bMV statement, unless the two is posted to yourA"ml after dire dose of the b1Whg period In which s occurs, In width case the transaction will be added to the defy balance as of ft fast day of the b*Q period In which k is posted to your Account, fees doled 00 day and Periodic Finance Charges ecaued on the previous days daily balance: and by teat saboadkg any credits and paymeras tea a9 applied agaast go balance of the trimsection compy on that day. in calculating the daily balance or the first day of ine biting padod, we considerlhe'prevbus toy's rlasy balance" to have bear your balance for each tansertion calsgory on the last day of yow previous billing period. At fees charged to you Account are added to the standard se hansadfon category with the exception d Cash Advance TranSedlm Fee Finance Charges with are added to the appdcable cash advance transaction calagiory and Balance Tianglar Transaction Fee Firm a*" which are added to the applicable balance bander barsadbn category. When the special rate expkes. we move the unpo d balance of the balance harsta and the Balao" Tremor Transaction Fee Finance Charges to the standard purchase minseCton category. However, U the spatial rate has been terminated under the Dateult Rao section, we leaves are upad balance of the balance transfer and the Balance Trans* Transadim Fee Finance Charges in the apptimble balance transfer transacts m a"" lacy the special ride would have expired. For TAD (Telecommunications Device for the DeA assistance, please tag 14M347-744%. Discover may monlur ardlor record telephone calls between you and Discover mpresenlalnes or quality assurance purposes. The Dtswvehv card is issued by D"acover Bards. Momber FDIC. OfTUM DISC°VER' New Balance Minimum Payment Due $4,919,82 $260.00 Payment Due Date December 15, 2009 16 8DSNSA01 0007483 NATALIA RE LA ROSA 620 BRENTON ST SNIPPENSBUR6 PA 17257-2114 Address, e-mail or telephone changes Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Account Number ending in 0453 Enter Amount Enclosed Below $1 I Please make check payable to Diacover Card. Minimumpmot due includes a post due amount of 5126.00. Go paperless and make your account information more secure with password- Protected statements only you can access. Learn more at discovercont/papertess. PO BOX 71084 11111111 11191911411111.11.1 CHARLOTTE NC 28272-1084 ?sr?r??n?rulr??nh?rrlr?nhilllurlululnl?nlnla{hlu?? 000001986458261760835049198200000000026000 Discover More Card Account Summary Closing Date: November 16, 2009 page 1 of 1 Account number ending in 0453 Previous Balance $4,773.06 Payment Due Date December 15, 2009 Payments And Credits 50.00 Minimum Payment Due $260.00 Purchases + 78.00 Credit Limit $4,100.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.D0 Cash Credit Limit $2,200.00 Finance Charges + 118.76 Cash credit Available $0.00 New Balance a $4,919.82 You may be able to ovoid Periodic Finance Charges, see the reverse side for details. C.ashb=k Bonn a Opening Cashback Bonus Balance $ 0.00 New Coshback Bonus This Period + 0.00 Cashbexk Bonus Balante $ 0.00 Cashback Bonus Anniversary Month: January How Can We Help You? I Visit I)iscover corn to pay your be far no cost, view your latest Account information, earn and redeem rewards and more It's your choke - 3 ways to help 2• Call 1-800-DISCOVER (347.2683) for fast, easy s4service t M A anager ccoun options or to speak with a Customer Service Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions SO Fraud nubility Guarantee Use your Discover Card with confidence. Trans. Po'd Dole Dixtis Payments and Credits Nov 13 Nov 13 PHONE PAYMENT THANK YOU $ •50.00 0166/Miscellansious Nov 16 Nov 16 OVERUMIT FEE 39.00 Nov 16 Nov 16 LATE FEE 39.00 Information For You * * * ATTENTION Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. M Charge Summary Nominal Transaction Average Doily Doily Periodic ANNUAL ANNUAL Periodic Fee PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rtes RATES RATES CHARGES CHUM- current billing period: 31 days purchases $584.15 0.07942% 28.99% F 28.99% $14.38 $0 Cash Advances $4239.74 0.07942°1a 28.99% F 28.99% $10418 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Discover(R) gift cads make easy holiday gifts. Now save $2 on the purchase fee of each gift card - p6 get FREE shipping. Personalize gift cards with names and messages. Many have matching greeting cardsl Save through 12/31/09 -enter GIFT4 at DiscoverGlRCard.com Important Infornntan h there's more than one page to ft ti tting OW-011. see the back d sect page for additional imporpm W rrnauon. G7 See Your Cardmeadrar Armoae6 Your CamdnearberAgroomant cbmtakte all the terms of your Account. Z Cat 1400347483• Lost or etoim cards. Repot) inrrhetFelehr! Blreng R'rghls Suramry, le Case of Errors or QuestionsAbotitYeuu BT: kyou lnWt your bill wrag, orif you need more Womotion about a transaction on you bill, wrke to us on a Bak LAO City. UT 841908421. as soon as poseble. We must hear horn you no blew it arh 60 days sea we sent you the that bill on PO Box 30421 d Di ° g . scover. on: separate sheet of paper at which are error or potions wasted, You can telephone us, W doing so will rot preserve your rights. in your letter. give us the following infomna Your name and Account number. The dollar amount o(@* suspected am. Describe the error and expbn, t you cart witty you bek're there a an errs. It you need more Worma0o . describe the dem you are unsure about. ou are still obligated to pay the pads of your bill not are not in question. Whio we investigate you but atin I ti X v y g. nves g You do to hm to pay any amount to qua" while we are we cannot report you as delinquent or take any adorn to toted the amount you quasi m• estion , qu with a credit card, and you have tried in good fo i h to correct Spedhd Rule br Creek Card Parchases: t You issue a problem with to Wsstty of goeda or services that you pxdhased when thert prime was more than $50 i the herroinle0 amount dhr+on the goods a services. You have this probsetan only ds m e b th h f or f pr y ave or e goo lIb problem wth Me nherchan, You may rpl rthe and do punirase wasrrode in your tame Wale a wtotui 180 ryes of Your meting address, [U we own a operate Me udont, or if we e m mated you the he advertisement se vices, at purdnnses are covered reperctoss ct ink amount a baton of puds@se.} d Do nrol send cash By sending your check as damilied above, you ahnthOrize us to m d Ilia Slatemet t1e ernatope (r0YJd8 . ti on. on lire payment as a dock fra sec Payments. Shcd adyya r Dement top Porrhe use nkrnatiah Rr Your ckedkto teal a an ebsdTOnC fwd aansla from Yoaawountat Ink tranaal hnsOleOon irxkeled yourd our pcheck rocess to s ante an electronic hod transfer, your h(omwton from m When we use (Me check nt . om y o . H t>aYahBnt le processed as an ebdrorhic Nrd bends, Ore Yarsfer whk be la the amW bad from your financial Institution. wltdrevm from you exert as soon es aosame day we receive yea payment). std you wiO rat recavayou chat bad d f l f iav s may x be deleyed kYou send sash. cmeapordertce a other tens wYh yew paytnmt. tyou send the payment to any other address or k you use anSft MR envebpa a Tlsa prodher 111 N tin the your rc one ne provided. P+YA10`rra taoeived in proper ? attar procesdng lectty>rT 5PM total time on arty day will be credfed to your A of mi as of Mat day. Payments ou have misplaced your envebpe, and your payment to Discover, Box t d da h f . y y. t e no received at our procesdng lao'fiprafior 5PM kshal trine wit lea aedtad toyourAocorrt at o IL 60197.6100. Please allow 7-10 days for dervery k your PeYmerit is returned unpaid, we reserve the right to reaubrit t as an electronic debt. Steam Card 6103 . , , You can pay your minnren payment or a9reWU artwmtOW the Isleptana, and you can eat up automatic payneW Call us at 1.800347-2663. You will need this statement and your bank account information. You must eases that ea(ident hrds are availeble inyoto bank scmurtt and afi Yansactaxmust comply with U.S. law. You will be asked to provide the lust bank to do each allow u to W ou will be agreeing kme i n ? . y c sgtne 5tkgts of your account statement ZIP code. By *#a" toe numbers a your electron of such payment. You must sai m to totted an error to payment you authotze from year bent account. and to ir?le debt or credo entities to your bank acmwtt as apprcada. ment Due or the New Boom at each sim mml You can oamcel a paymem: however we imum Pa Mi y n tell us this amlard or each payment or you can select an amount such as the must renlle notice at bast three business days In advance of tie sdledued paytmen. You may notify us by Plane at 1400547.2683 or by mat at the address listed in the previous mode and how much t wtl be. Your automatic payment amount may ill b e paragraph. Nyut payments vary in smart, we will tell you on each monthly statement when your payment w less then indicated on the monthly siaterment based on aedls or payments eppted dutrhp the b ft cycle. b e Credit Reporlifng, We may repot information about ymur account to as& bureaus. Less payments, missed paynleits, or other defi dls on you a rr may b mcomlad in yleas?t ot On slabs Kid payment history of your Account to as& reporting agencies each nwr4h, t you believe trot our report d Account number b ll , . rep er an y report. We norma us at the following address Discover. PD Box 15316. Wilmington. DE 198505316. PleasaYhdkde your name, address, hone telephone num Gran Wod on Purchases (at bast 25 days). We boon to impose Palo& Finance forges on at transactions from the Transaction Date for the Vaned m as shown on your that osted to your Accent after the close of the billing period in which it occurs, in which rase we begun to impose Periodic F' ante New Wince ection Is l , p ess a "As billing ataiemem, un transaction from N twat day of Ow bating period In which N is posted to your Amount Vie continue to impose Periodic Fnla ceCharges until Be data you pay Yon ou paid the Now Balance on yaw previous billing statement by Ire Payment Oue Date storm on to billing Wa lenent and you pay wever t r on the H f di . y ing irst appea ts. o by, qrq Paymamis or teeevrg cre the Payment Due Date on your amemtdllhg statement, we roll not kmpose Parodic Finance Chat" on new purchases, thatis. pordreses ance b B y a the Now current) biking stalenunl. we Cal this tit'graee pr nod." There is tlb grace period on balance bar>Wers or cash advances. We will charge you a minamint FINANCE CHARGE of $.50 for any biBhg period in which Periodic Finance Charges of less than 5.50 would otherwise Ch arge. Minimum Finance be imposed. Annual fee. 9 your Account has on annual lee, it will be billed at the begirm" of each anniversary year your Account Is ow. The amount of the fee appears on the statement when the ou netly us Mat you Wsh to close your Account want 30 days of the mating or delivery date of the statement on which this tae is d ble nless f a u y un fee is btbd. The amnud tae is not re You will receive ft rekmd even k you use your Card dwmg that Pa" billed . rther Periodic Finance Charges. We sod your ea sacikrhs into gronpe of purchases, cash advances. W balance transient. am standard ate ice *t AM t b a s I? groups. ft sactons w kr to e0*50 ach group b % as their Annual Percentage Rafe. For example. purchases subject to a phomotahat rate and purdwsas sagea tr f the billing period for each transaction category. We use the h d f ay o or eac iransacton caegmrfes. At the end of each billing ?we compute balances and Periodic Finance Charges MICIAV equation to Compute PariodicFraice for each transaction category: (Average Daily Balance) tunes (days in billing period) Omer (Daly Paio& Rate). on b ft statement for base amounts.) Then we add up the Periodic Finance Charges for each transactorh category to get the total ummar In a l c h b on y harge s a ance e y (You may refer to the finance Periodic Fkrance Cho ges for your Account The Average Daly Balance Is shown as zero If, because of the grace period, fro Pat iodic Finanw Charges apply to t transaction category. We sc ?m0s (ry by thaw di t* d* balances in Wittig period fora transaction which Iteegory and g periodic daig the toance tal yet a us.mber M days in it* Average to b&* f?d• Balance for each frenea?om oategary by adding up of that revious day's daily balance: triansacUts, the lo in h ? m p e f w on each day by be added l bNsh9 Period In which t occurs, in which am the bmsaclm g tlx a o We sxsrrqule the da8y bale stalemerA, ideas due 0 n b pasted m YovrAtavM at and Periodic Finance Charges accrued on tM M Aws day's daily day es sholmon Your burg t da d th d y a euge inw4tds k s posted b ytxrAocourt fees to tine daffy betanca as of the fret day lid the bdng pedal the belence d t e Yansaclion category on that day. In calculating t the as ly balance for der first day of baiarice: and pry lheh suMrecBrg arty aedas and payments that ere apq' age nW ory on the last day of your previous bferg period. afon catt t t g i mnsa ? btfirn9 Dehiod ? cerraden to •praviotrs da? dagy iselahce? m have been yaw bstahce br cac d to to swrdard peohase aensacton category wttn tike excep6om tf Cash Advance Transaction Fee Finance Charges which are added to the dd When e Ali fees charged to you ACOOUt ore a e standard ei0r xction apptcaMe cash advance tenaacaorh rategay amd Balance TtahdaTransaction Fee Finance Cihargos which are Wilad ana applicable balance d to balalhce aansfer and the Balance TransferTiansactien Fee France Charges to to the staled pwdissurchase category, n Fi ance F i dd b l F n ce ee a a on ee the spedaf rat a prices, we mow tike tr pr k thr 5pergai rata has been Bamdr>ated rrder the Defauk Rate Set7ibmn, we lanva ? urhpait balance of ere balance transfer am die Balance Transfer Transaction od Rooster , Charges in 1l o apptsabta badamce uaaster tronsactim ralagay until this special rate would have exp red. For TDD (Telecommunications Device for the Deaf) assistance, plazas rat 1400-347.7449. Discover may it mtor andlor record tWephons cats between you and Discover representatives for quality assurance Purposes. O1TBK171 The Discover' card is Issued by Discover Barak. Member FDIC. New Balance DISC, VER $5,116A0 16 SDSN6A01 0007484 NATALIA DE LA ROSA 620 BRENTON ST SHIPPENSBURG PA 17257-2114 Minimum Payment Due Account Number ending in 0453 $394.00 Enter Amount Enclosed Below Payment Due Date $ Jmwary 15, 2010 Please make check payable iy Discover Card. ost due t due mcludas a Mi i p mum en n amount .060 .00. Go paperless, and make your account information more secure with password- otected statements only you can access. earn more at diffoover.com/paperless, PO sox 71084 111rrrlLrrrrrlhlirrrrllrl CHARLOTTE NC 28272-1084 Address, e•mailortelephone chongOPrint change inspace lrtlrllrrlrnlallrulnlrlrullllnslstlsrlrrlgrslfill ilrlrtll above, or go to Discover.com. Print your email address to receive important Account information and special offers. 0D0001986458261760835051164000000000039400 Discover More Card Account Summary Closing Date., December 16, 2009 page 1 of 1 Account number ending in 0453 Previous Balance $4,919.82 Payment Due Date January 15, 2010 Payments And Credits 0.00 Minimum Payment Due $394.00 Purchases + 78.00 00 0 Credit limit $4,100.00 Cash Advances . + Credit Available $0.00 Balance Transfers + 0.00 Cash Credit limit $2,200.00 Finance Charges + 118.58 Cash Credit Available $0.00 New Balance $5,116.40 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Banuse Opening Cashback Bonus Balance $ 0.00 New Coshback Bonus This Period + 0.00 Coshback Bonus Balance $ 0,00 Coshback Bonus® Anniversary Mordh: January How Can We Help You? I visit count in to pay yaw loin for no cost, view your latest Account informaKo tion, *am and redeem rewards?cnd more It'S yoUr choice - 3 ways to help 2. Call 1.8004715COVER (347--2683) for fast, easy 3911-service t Mana er A S i h C g ccoun erv ce ustomer a options or to speak wit Please have your Discover Card available. 3. Write us at Discover Cord, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sch lake Coy, LIT 84130 Transactions $0 fraud liability Guarantee Use your Discover Card with confidence. Trouts. Poet Date Date 01111W GKORansars Dec 16 Dec 16 OVERUMIT FEE $ 39.00 Dec 16 Dec 16 LATE FEE 39.00 Information For You * * * ATTENTION * * * We previously requested the past due amount on your account, We have w record of receiving payment. The amount due should be paid at once. RN Charge Summary Nominal Transaction Average Daily is Daily R r ANNUAL ANNUAL Periodic F PERCENTAGE PERCENTAGE RNANCE a tes _ -MRS- RA CHARGES current billing period: 30 days Purchases $633.25 0.07942% Cash Advances $4343.65 0.07942% 28.999'. F 28.99% $15.09 $0 28.9911a F 28.99'% $103.49 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. Discover(R) gift cards make easy holidoy gifts. Now save $2 on the purchase fee of each gift card - plus et FREE shipping, t r h 1231 /09 h Personalize gift cards with names and messages. Many ha - en e roug ve matching greeting cardsl Save t GIFT4 at DiscoverGiflCard.com Important Inbmwtimc. If there Is more then one pope to this biting statement, see 00 bade Of each page for DMI0011el Important ihfornatiOn. See your Cadrnea4wApnemerd, 'roeCaWmwmber Agreement contains ell the (emm or your Account. Lost or stolen cords. Report imnedately! CAN 1400347,2t83. gggty Rights Summary. In Case of Enatat 9usllonsAbout Your Bhp: tyou %* your bid is wrong, or N you need more information about a transaction on your tall, Write to et on a separate a" of or or problem at Disoover, PO Ba 3D421. SA LaM appeared. You can Werphon a co, but " sowIDnot 2 preserve your rights of your biter, give us the you bgnaing mfomw9on: no W than 60 ? alter we sent you be fast bill on whidn the an Your Mme and Amount member. The dow smart d the sdspeded amen. Describe the error and epta lrh, N you can, wty you believe, !here is an or m. N you need more Information, descrWe the icon you are umm abooL You do no have 10 pay any aatowl in epu rAm 46 we are rhvestigelimg, but you are 01 o 9MW b pay the parts of your b6 that are not in question. While we investigate YOLK question, we cannot report you as detinquWor lake any action coo coded tw amount you question. Spedah Rule for Cischt Card Purchases; N you twee a problem with the quality of goods or services thatyou puniw Wwith a creditcard and you have Vied in good With to correct the problem will is nwrcha t. you may not have to pay the remadrag amount sue on to goods or setNoes. You have this protection Only when the purchase price was more than $50 and to purchase seas made in you hone stab or within 100 miles of your neilrg address. (N we on or operate ft merchant, of Nwe mailed you the advertisement for the goods or services, at purchases are covered regards of the amount or loadat of purchase.) Payments, Sand only your payment and tw top pardon Of Its statement in to envelope provided Do not send caelh By sanding your dedu as described above, you audafue us to use n payment is processed your coda to malm ?onktahd . the tea 4 be your amount f the arrqudd M financial Institution Indicaled When we information oyour from, youor to I)MCM r d en n?wlre PBPRO ft nd tram Inds may b n. I ay be widdrevah thsir from your account as soon as 9* same day we receive your payment and 70 will not receive you check bade from your Fnandtl ma ion. The processing of you paymerd may be delayed 0you send rash, ceaespondence or other Norm w4l h your payment N you send the payment to any other address or if you use an envelope other then the one pmvidad. Payment recd In proper form at our processing facially by SPM local time on any day will be credited to your Amount as of that ray. Paymwnis received at our processing fadNty a8a5PM local6ms will the creed lo your AOMM as of the next day. 0you have Maple* your envelope, sand your payment to Discover, PO Box 6103. Carol, Stream. IL 60197$103. Please allow 7-10 days for delivery. Nyour payment is ralumed unpaid we resanve to do to resubmit it as an atedntrk debit You can pay your minimum payment or a greaser amount aver the Maphone, ad you can set coq submstcplaynnents. Cat us at 1.600 07,7683. You will reed this Orle enl and you ban%aceount Waterston, You must ensure That stalliciat units we a cable In you bank amount, and ail transactions; must comply with U.S. taw You will be titled to provide the fast 5 digits of your account stelemena 21P coo. By glaring faseembers as your declondc somd re, you will be agreeing to tats auanrttallm to atlowus end you bw* to deduct each payment you swhake from your bank account, and to iAida data or amt& entries to your bank account, as applicable, to wad an era in the processing of such payriert. You must bit us the amount leach payment or you can sew an amount such as the ignimnh Payment Due or the New Balance on each otemenL You car cancel a payment; however we must receive notice at least fin btsfrwat days In advance at ft sdwduid payment You may ratify us by phoe st 1.8003473683 or by mail at the address iebd in ther previous panegiaph.Oyar peyraen s vary in sma 1. we wad tell you on each monthly, statement when you payment will be made and tow much it will be. Your aWaafk payment amount may be ins than Indicated on the monthly statement based on aedNt a payments applied dtrig to bNng cycle. Credit Reporting, We may report iMor afan about your amount to credit bureaus. Lela paytateft missed payments, or other delaurs on your account maybe relleciad in you or*& report. We mmv* report the shags and payment history of yarAmousnt to credit reporting agencies each math. N you believe that our report Is naaurete or i compib, please vmh us at the fotowNgaddres:Oistoher. PO Box 15316, Wilmington, DE 19850.5316, Passe Include you name, address, horns Weptone number and Account number. Grace Poo on Pen hates (at toast 25 days), Wet begn tonpows Periodic Finance Cho" on as tramacdans from to Tramedbn Date for the Utmsedim as dam on your biling statement. unless a transaction k posted to your Account crier hie close of the biting period in which a occurs, in which case we begin to Impose Periodic Finance Charges on that tic adlon from the foot day of the billing period in which it is posted to you Amount We cmftm b impose Periodic Franca Ganges udl ft data you pay you entbe New Balance. by malt np paymaNa or ruwervlq credits, However Wyou paid the New Betanoa an your previous bddng statement by tw Payment Due Date shovm on than btlirg slatemerl and you pay the New t1aWM8 by the Payment Due Doh on you current bWhg sbfanet, we w? not impose Periodic Finance Charges on new purchases, that Is, purchases first appearing on the current Wong statemah We call this the'grece period:' There is no grace period on balance transfers or cash advances. Nlrfmrwhn Finance Charge, We will charge you a minimum FINANCE CHARGE of 5.50 for any bit" period In which periodic Finance Charges of low than $.50 would o0ermse be imposed. Anneal Fee, Iyour Account has at aerial fee, it will be baled at Be beghft of each anniversary year your Account is open. The amount of the fee appears on the statement when the tee is Wed. The amoral in is not rehad" unless you n* us tut you wish to dose your Amount vriNn 30 days of the mating or delivery date of ft statement on which the fee is billed. You will reafve data redid even N you use you Card during tut period. Paris & Rena Charges. Yha son your transactors Into groups of purchases, cash advances. and balance Iransters and then kMW son the 4ansado s vaNhin each group by t* Ma W Parceaalapo Rain. For example, purchases smjed to a pakmfiDrW ran and purchases subject to a standard rate would be separate grails. We fear to these grails as uansacdorn alegodes At the end of each WIN period, we compute balances and Periodic Finance Charges for each day of it* billing period for each transaction category. We use fie following equation b compute periodic Finance Charges for each transaction gigor (Average Daily Balance) foes (days in biting period) Nmet (Daily Periodic Rein). Period Finance Charges your Amount. The TheAv?ge biding statement Wifiese amounts.) Then we add Dally Balance shown as zero N, because of the the Periodic period no Periodic Finance Charge; apply to the balance in a transaction o?faOpb?rgar p, !?? We ulag$&9av+coy Silence (Including new, lansactio ns) method of cakxlaeg the balance upon which we impose Periodic Finance Changes. We compute dw Average Dally Salem for each transaction category by adding up all the daily balacee in a bflFng petted for a barsaedah category and dividing the total by the number of days in the biding period. Wen compute pre dairy balance (or each uarw*on coo" on eadn day byfirst adding Be Mm*g to ft previous day's daily balance: traaasodiions with a Transaction Date of That day as shown on you being statement, unless tx trasecda is posted byour Account aria to dose Of to Willing period in which it occurs, in which case the transaction will be added tote dally balance as of the frail day of the blimp period in xltioh it is posted to you Account, fees c ioged that day and Periodic Finance Charges accrued on the previous day's daily balance; and by then subtradng cry credits and payments that we applied against Me balance of too trar eaNon category on Out day In caiculti roil the daily balance for the fie day of the baling period, we consider the previous days dally balance to have been your balbnce for each Marhsed M category on the last day Or yam prehdoW biting period At fees charged to your Account are added to the started purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges vAhloh are added to the applicable cash Over" hansacton category and Balance Trance Transaction Fee Finance Gorges which are added to the applicable balance tramif transaction allegory. When the special tai eapft we move the unpefd balance of the balance tremor and the Balance Transfer Transaction Fee Finance Charges to ft standard purchase transaction ategay However. N tie special rate has been terminated under One Dftg Rah section, we leave the unpaid balance or foe balance transfer and the Balance Transfer Transaction Fee Finance Charges in tw appk" balance Immsfer transaction category, until the special tab weld have expired. For TOD (Tekcommunna0ons Device for the Deaf) assistance, please call 14OW-7449. Discover may monitor andfor record tdepihone cats beWee n you and Discover repesentatves for qual y assurance purposes. The DWover"card Is issued by Discover Bank, Mernber FDIC. OITBX171 New Balance DISC -1VER $5,321.88 16 SDSNe AO1 0007485 NATALIA DE LA ROSA 620 BRENTON ST SHIPPENSBURG PA 17257-2114 Minimum Payment Due Account Number ending in 0453 $537.00 Enter Amount Enclosed Below Payment Due Date 2010 15 b F $ C? , ruary e Please make check to Discover Card. t d ue Minimum Payment duo me a pas amount oF$394.00. Go paperless and make your account informbon more secure with password. protected statemerb only you can access. in more at discover corNpaperless. PO BOX 71084 Ille,rlle loge till 11111$111 11 CHARLOTTE NC 28272-1084 Address, emad or Wephone change; Print change In "to IIIIi111111rtItlllfill nlll111111If 11It11111ttllnloll Itill U11 above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458261760835053218800000000053700 Discover More Card Account Summary Closing Date: January 16, 2010 page 1 of 1 Account number ending in 0453 Previous Balance $5,116.40 Payment Due Date February 15, 2010 Payments And Credits 0.00 Minimum Payment Due $537.00 Purchases + 78.00 Credit limit $4,100.00 Cash Advances + 0.06 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit limit $2,200,00 Finmteo C wg_ + 127.48 Cash Credit Available $0.00 New Balmnce 55,321.88 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bowe Opening Cashbock Bonus Balance $ 0.00 New Cashback Bonus This Period Cashbadc Bonus Balance $ 0.00 Cashback Bonus® Anniversary Mordh, January How Can We Help You? 1 Visit Discovercorn to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.8004DISCOVER (347.2683) for fast, easy setservice nt Mana er co A S i h a C t k g ce c u omer erv us wit options or to spea Please have your Discover Card available. 3. Write us at Discover Cord, PO Box 30943, For TDD (assistonce for hearing impaired) see revue side Suit Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Post Vale Odor/Mils onlious Jan 16 Jan 16 OVERUMIT FEE $ 39.00 Jan 16 Jan 16 LATE FEE 39.00 Information For You * * * ATTENTION * * * You account is seriously post due. Payment of the amount due and arrangements for future payments should be made immediately. I;Wr W Charge Summary Nominal ? tton Average Pearib is UAL ANNUAL Periodic FFee PERCENTAGE PERCENTAGE FINANCE FINANCE Solone Rates RATES RATES CHARGES current billing period: 31 days Purchases $727.70 0.07942% 28.99% F 28.99% $17.92 $0 Cash Advances $4450.11 0.07942% 28.99% F 28.99% $109.56 $0 The rates that apply to your Account ore either fixed (F) or they may vary M as noted above. o important Irtlomrston. N there is mare tan one page to Min bong smtemeru, see the bade of each page for adifftiaf important information. See your Cardmamber Agreement, Your CadrthemberAgtesrtenl contains all Me terns of yourAceant. z Lost or stolen cards. Report anmediately! Call 1408.147-2663. g B01hg Rights Summary, In Case of Error or Questions Abdul Your Bal: 9you W your bi is wrong, or0 you need more idorma0on abort a bansacbm on your bit, while to us on a separate 0" d paper at Discm. PO Box 30421, Sall Lake City, UT 84130-0421, as soon as possible. We mull hear from you no later than 60 days after we sent you the Anil bit on Which the erns or problem appeared You can telephone us, but doing so wG not preserve your rights. In your letter. give as the iogowing information: Your name and Account number. The dour amain of pro suspected are. X Describe the enter and explain. N you can, why you believe Mew a an era. It you need rare information, descrbe the Nom you are unsure aboul. ? You do not have k pay" amanl in question wake we are uwastiga ft but you are stillotligotod to pay Me pans of yoabil that are not in queslkm Yvnie we investigate your question, we cannot report you as delinquent stake a y action to colleetBte amount you question. Special Rule for Credit Card Purchases: 8 you Carve a problem wdfi the qua6ry d guodsor services Myou pnathased wall a credit cant, and you have fried in good faith to comad the problem vigh to mac ha t. you may not have to pay the rentaki arraunt due on the goads or serAM& You have his protection only vdten the ptadase.price was more than $50 address, (If we own or operate the merchant or 4 we malted you the adveNsement for the goods or and Me purchase purchases made In eInyour home state or w" 100 of the amount m location n of your p msiliniI ase.} services, all Payments. Sand only your payment and fie top portion of Ns statement in the envelope provided, Do not send cash. By sending you dock as described above, you auMorize us to use information on your twit to mike an electroic fund baafef from your account at to financial battution indicated on your chedr or to process the payment as a chedn fransaclion. V payment is processed as an election c fond trarieffer. One lower *1 be for Me anaad of the check. When we use Wormaton from you check to make an electronic; fund uansfes funds may be wl drawn from your account as soon as to same day via receive your payment, and you ail not receive your check bad: from your faaridel institution. The processing of yaw payment may to delayed N you sand cash, corespodence of other Items wO your payment. Nyou send the payment to army What address or N you use an envelope other that 8re are provided. Payments received in proper tam at our processing Is* by FM local fine on will be credited to you Account as to OM day. Payments ?ts Discover, rec"atourWocessingtac?ryaAaSPMID:WImewill benxed?dtoymAccomt as of Ilenotdd y.0youhave yaweuvefope,send your payment 6103, Carol, SUSam. 6, 60197.6103. Please allow 7-10 days for delivery, it your payment is returned unpaid, we reserve Me right toassubaR N as an electronic debt. You can pay your mkhinmurn payment or a grealer amount over Me telephone, and you can set up autemalopsymenb. Cog us at 1.81-347.2683. You will need this statement and yow bank account rilbanalo n. You must ANe tat srd6cent fads as available In your bark acoamt. &W all fraaactioms must comply with U.S. law. You will be asked to provide Me lest 5 dhgita of you account atalenanl ZIP code By entering tale numbers as your elecLahid sgnahae, You O be aaugrra? ft to this auMaiuton to slow us and your bar* to deduct each payment you sntmahe from your bank aocciu nil and to Willie debit or credit Grim" to yam tank octant as appscable to cored sn ens in iha processkq of Bach payment. You must tell us the amdat d each payment or you can select anam"such as the f Mlamlm Paymet ate or do New Belence at each statement. You can cancel a paymera; however we most receive notice at ICI dm business days in advance of the scheduled payment. You may nollfyesby phone at 1.61; 47-2683 or by mail at the address listed in the previous paragraph, If your payments vary in amain, we will tel yob on eachm try staha>ent mherh yourpeymerd wit be made and how much it will be. You automate payment amount may be lese than Indicated on the monthly staleonnl based on craft or payments applied during Me bting cyder. Credit Repotting. We may report kdormaton about your socant to cis* bureaus, Late payments, missed payments, of oMerdelahAls on your account may be reflected in your credit report. We hamMy report Me status and paymem history of yourACWlahi to credit mpo4g agencies each moron. N you believe that our report Is inaccurate or incomplete, please write us at the Wovimg address: Discover, PO Box 15316, Wilmington, DE 19850.5316 Please include your thane, addess, home telephone number and Account number. Grp Period on Purchases (at least 25 days). We begin to impose Paiodie Finance Charges on all sansactibm from the Transaction Data for the karsactioh as shown on your WN swernem, unless a transaction is posted to your Acoouht after the dose of go bY6g period in which If owns, in Oridh case we begat to impose Periorio Finance Charges on that transaction from Me first day of to t *V period In Ydscb Nis posted to your Account. We conOhue b hrpoee Periodic France Charges until the date you pay your stifle New Balance, by makkg payments Of -*N credits. However, t you pad ft New Balance on your previous biting statement by the Payment Due Date siwwn on that tiling statement and you pay the New Balance by the Payment Die Date on your current billing statement, we will hot impose Pwbk Finance Charges on new purchases, that is. purchases that appeadrg on the cvrem W9 statement We cat this t ho'gmce period"There is no grace period on balance transfers or cash advances, Minimum Finance Charge. We will charge you a minimum FWIANCE CHARGE of $.50 for any bling period in which Parodic Finance Charges of less fink S30 Would otherwise be imposed. Annual Ave. N your Account has an annual fee, t will be biled at Me beginning of each anniversary year your AcomO is open. The amount of the fee appears on the salament when The IN is bBed. The annual fee Is not retndabte uiess you notify us that you wlefi to dose yowAccoum witm 30 days of the mai N or delvery date of the statement on which the tee is M'ied. You will receive this raked even I you use your Card during that period Periodic Finance Charges. We $at your transactions into groups of purchases, cash advances. and balance wanslers and then further son the Im msadiaa vrMn each grog by their Annual PercerAage Rae. For example, purchases subject to a promotional rate and pucases subject to a standard (ate wDutd be separate groups. We Peter to these groups as transaction calegoiies. At the ad of each billing period, we compute balances and Periodic Finance Chharges for each day of the bung period tar each transaction category. We use the foly ngequation to compute Parodic fiance Charges for each Iaraacion c IWY (Average Defy Balance) limes (days In Wing pe lci times JD* Periodic Rate). (You may refer b Me tnanoe chaWsummmaerryy on your WAV statement for these amounts.) Than we add up the Perloric Finance Charges for each transaction category to get the total Periodic; France Charges for your Amount. The Awe ap Daft' Bela>ce is shown as zero it, because of the grace period, no Periodic Finance Charges apply to Me balance In a trnaoacelon¢c?ateCgor?y We ia19y Balance (ndurirg new ke sawtons) medgd of calculating the balance upon which we impose Periodic Finance Chagas. We compute the Average Daily Balance for each tansec0ah raMgoy by adding up at Ma dally Mom in abOV pwW for a trazuaclon ca"Mand rivaling the total by the number of days in Me billing period. We compulia the daily balance for each bansadlon calegayan each day by first adding the tdlevritg to the previous days dally balance: uasacbana with a Tromsadion Date of Mat day as shomon you biting statement unless Me basaclan is posted to your Account alter the dean of ehe biing period in which N ocoun, in which case ft ta<nsacdat will be added to Vie dally balance as of die first day of Me Willing period in which it is posted b your Account, fees charged that day and Peraorie Film Charges accrued on Ma previous day's daily balance; and by Man sduradti g any rrefOs and payments that are applied against Mlle balance of the Yar sadke category om Mad day, in calculating Me dairy balance for nuke first day of ale bWeg period, we consider Me 'previous days daily balance" to have been you balance for each bansecti n category on the test day of your previous billing period. AM fees charged to you Account are added to ft standard Qtrrichase fransacton ca with to wupdon of Cash Advance Transaction Fee Fnar a Charges which are added to the applicable cash advance transaction category and Balance Transfer Transaction Fee ( Inane Charges vAiich ate added w the applicable balance ua sfer transaction cakhgory . When the special rate eglmis, we move the unpaid balance of Me balance transfer and Me Balance Transfer Transaction Fee Finance Chagas to Me standard purchase transaction category. However, I Me special rote then been tartninated under the Default Refe section. we leave the unpaid balance of One balance transier and the Balance Transfer Transaction Fee Finance Charges in to applicable balance transfer transaction category until the special rate would have expired. For TOD (fekcommunkatoru Device for the Deal) assistance, please call 1$1--347.7449. Dimmer may morax antra record wephore calls between you and Discover representatives for ghaiy asswahcs purposes. The Dimmer' card is issued by Discover 15ark, Member FDIC. OlTBK171 New Balance Minimum Payment we DISC VER $3,493.48 $"5.00 Payment Due Date Marls 15, 2010 16 SDSN6A01 0007466 NATALIA DE LA ROSA 620 BRENTON ST SHIPPENSBURG PA 17257-2114 Account Number ending In 0453 Eater Amount Enclosed Below tp Discover Card. Please make cheek payable Minimum payment due includes a post due amount of $537.00. Go paperk" and make your account infornmtbrt more securewfth password. protected ststements only you can acoess. Learn more at discaverconHpaperless. PO BOX 71084 llnellrosirllsllnnllrl CHARLOTTE NC 28272-1084 Address, email or telephone change? I'll rllsnlrto lrllrrslsdr#rssllllrrripoll ilrrllsIII III rlrllrll Go to www,Aiscevar com or print change in space above. 000001986458261760835054934800000000068500 Opening Date., January 17, 2010 - U"ng Octal. room Discover More Card Account Summary Account number ending in 0453 Previous Balance $5,321.88 Payments And Credits 0.00 Purchases + 0100 Balance Transfers + 0.00 Cash Advances + 0.00 Finance Charges + 132.60 Other Fees t + 39.00 New Balance 93.46 See Finance Charge Summary section following transactions for detailed APR information Credit Line $4,100.00 Credit Line Available $0.00 Cash Advance Credit line $2,200.00 Cash Advance Credit Line Available $0.00 You may be able to avoid Periodic Finance Charges, see the reverse side for details. t See transaction delai) for a description of any fees charged. Cas aC Bons` Anniversary Month January Opening Cashbook Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashbook Bonus Balance $ 0.00 To learn more, log in a wwwMistover corn and -1mi Rewards 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2, Cog 1.800DISCOVER J1-800347-26831 Please have your Discovers card avaikrb , 3. Write to us at Discover, PO Box 30943, Suit Lake City, UT 84130 For TDD (Telecommunications Device for the Deal) assistance, please call 1-800347.7449 6011s praanns, pate Other/Miscellaneous Feb 15 Feb 15 LATE FEE ry 16, 2010 page 1 of 2 Payment Information Now Balonea $5,493.48 Minimum Payment Due` $685.00 Payment Due Dale March 15, 2010 'includes past due amount of $537.00 Lai s Payment Warning: if we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $39.00 and your purchase APRs For new transactions may be increased up to the Default APR of 29.99% variable. Minimum Poymernf Warning: If you make only the minimum payment each period, you will pay mom in interest and it will take you longer to pay off your balance. For example; Only the minimum I 36 years I $23,399 i payment J..?? If you would like information about credit counseling services, call 1.800347.1121 Manaoe Your Account Online at www.Discover.com Access free online took like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online mid easily track all transactions Make your money worth moreSM -find easy ways to earn and redeem cash rewards NEWT Access your account securely through your mobile phone 39.00 See reverse side. DISCOVER fmpti teal hlfotmadon Ifthare is more tran one pep 10 this t&g ctatemam, ace to back of each Page For adcliItal important inlamabon. seeyour CardmemberAgreeme t. YourCardmemb rAgreementcordakrs all tie terms of yourAcociA n Lost or stolen cards. Report irtarled atNY! Call 1406347-2689. so" Rfghb sumnu ry. in Case of 6rors or Cuesdons AWA Your Bill: If you NO Your bill is wrong, or g you need more iMonnalion about a transaction on your bill, wvfe to us on a UT 84130-0421, as soon as possible. We into hear kem you no later than 60 days star we sent you the fast al on Sep lake City 96421 PO B i ° Q c§ , . ar scover, ,we* sheet of paper at D which the error or problem appeared. You can taleptrone us, but doing sows not preserve your rights. In your loner, give us to lolowing information; m 00 Your name andAccourdnumber. The dollar amount of to suspected erar. Describe the error and eplafn, t you can, why you believe here's an eaor, if you need roam information, describe the tern you are unsure about. twtyou are still obligated to pay the parts of your bill Thal are and in question. WinM we investigate your , via are kwestgatmg hill 6 , e dt w You do not have to pay any antarnl in ques we cannot repent you as delinquent or fake arry aeon to coded the amount you question. question , with a credit card, and you have triad in good PAth to corred spacial Rule for C? Card Purdia may n dyer have y a proble whh the quality of goods or services Wt you the nufinsift n a oiAdue on the goads or services. You purchased he protection only when the purohm price was more than $50 mud n you may rot have to pay e or i< we raced you the advrentisennem for the goods or in due p va hant th i , e merc ee in your how state or vrlSrlbn 100 miles of yourmeAng address. (II we own or opMete was made mad and ire Purur e thss ses are covered regardless of One annount or location of purcrase,) h ll a Purc sw4om, a payments. Send 0* your payment and ft top portion of fhis sfafmmetd in the envelope provided. Do rot sand rash. By sending your check as described above, you aWha+te us to =unt at die kranLial effibtutal indcoled on your check or to Process the paymen! as a check basectidnl. use Information, on your drock to make an electronic fund kenslef from your a D Payfflerd is processed as an elecbo* fund twolial, ft >ret W A be for the amount of to deck. When we use inkxrallion from your deck to make an electronic fund transler, ou deck back tan you Dnaocfel institution. A not receive l d y you , an funds may be vAhdravm from your account as soon as the sane day we receive your payrten correspondence or ego Icere with your payment, f you send the payment to any Oder address or if you use an nd cash d if , you sa The procseldng of your payment may be delaye envelope other than the one provided. Payments received in proper fain at our processing tacitly by t'PM local time an any day will be credited to your Account as it that day. Payments l Discover, PO Box l local time will be ctedta) loyourAcWua aS of the neudday. d you he" nBgplaC¢d y u en 5Pf A w4 your p penti k M x moelved at ourprocea9tip lac* a dckor tl Carol Sbeem 11.60187.6103. Posse allow 7-10 days for delivery, d your payment is returned unpaid. wo reserve me tight 6103 , odd need dos statement and your You cars payyour mkenmm payrmerd or agrealeramaunt over the telephone, and you can set ap akdomatcpaYmenb. Cal us at 1-E00.347-2683. You complywith US. law You vvAbe a" and musi nk account b i vide lirstt c . a abb kh your bank aocard kfbrmaton, YOo most ensure Thal sudrreied binds are na b ards s dot o yam BCCaad atatarhnarnt ZPCaie By enters g these raunbors as yourebdronlesignor You u your to erred ale ens b the processing nt u f b ri to de act each le ble li m . ca app payment you amitorite ham your thank sooourd. amt to dilatedeloita credit entries b yea bank soma. as app however oh es the A m fl try ment or you cent select n amou a of each s laled in the prevwUs t dd t the p y n res red are the smesin he a ant u m us by phone at 1.600347-2883 or by mae at rail receivemeta al leastmreebusiness days in advance of the ecn payaynre paragraph. tyam Payments very in amount, we will tellyet on each h men* stefelnent when your payment will be made and how much it will bor. Your automatic payment amount may he less than Indicated on the mom" setemen; based on chi to or payments applied during the biding cycle. Credit Report". We may report inkrmaton about your Account to aeakl bureaus. Late payments, missed payments, or otter detauds on your Account may be reflected in you sect report to sloths and payment histdy of yourArxatnt toaedl repor" agouties each rwo. It you believe that our report is hiscouratoa Incomplete. Please writo count number We riomell d A t b . y repor . er an c us at tie following address: Discover. PO BOX 15316, Wibnhgien, DE 1WO.5316. Peese Include your name, address, lame telephone num Grace Period on Purchases tat W25 days} We begin b impose Periodic Finance Charges an all baruactim Iran the TranseGion Date for the transaction shown on your billing our Acmird ate the dose of De insng period in WO It occurs, in which case we begni to impose Periodic Finance Charges on that is osted to t l n N B y an p a a ce ew statement, udez a kansac transaction from the fast day of to bung period in winch It is posted to your Account. We continue to Impose Period Finance Charges unkl me date you pay your entire aid the New Balance on your Previous bong stafernett by to Payment Duo Date shown d ou er y p ; shorn on your biticip statement try making payments or receiving crass Howev on dial ON siaMmera. we will not impose Periods Finance Cfargas on new purchases, ihat is. Purchases trap appeaaq on the current Wing statement, or any portion of a new Ifernifers; or cash more advances. A ur current being stahrnnl We at this rhe'grace parkd." Them is no grace period on balance t e on yo s purchase, paid by the Poymaif Due Da based on the Annual fully described in the section of your Cardrsemher Agreement 0014ow We Apply Payments, we generally apply Pam nts your Acmint ou do not pay th e New Balance ale are crmert bilxng shlamecit by One Payment Due DaM shove on that billing an that d TIk y s me applicable to the balance of each Ua rsadion category. depending on the amount of your payment and the Annual Percentage Rates on other balances, you may not get a grace period on now Purchases. Don slaloment . , Wrdtaum Finance Charge. We will charge you a minimum FINANCE CHARGE of 550 for any biting period in which Periodic Fhhanoe Charges of Mss than $,50 would otherwise be imposed. n when the Annual Fee. If your Amount has an annual fee. it wA be bled at the beginning of each annivien ary year you Account is open, The annum of the fee appears on th e statemet al fee is inn refundable unless you nofdy us khan you wish to dose your Accoua when 3D days of the mailing or delivery dam of the statement ai which the fee is Th e annu fee is b?dl. bBed. You will receive fins refund even d you use your Card dung Bret period. r transactions into groups of purchases. cash advances, and balance hamslors and then further sat One transactcns Within each group by o t W u e sa y Periodic Finance Charges. !hair Annual percentage Rata. For example, purchases oub loct to a prannolonel rate and purchases subjed to a standard rate would be separate groups. We, toter to these groups as a compute balances and Pedieft Finance Charges kr each day of the billing period for each transaction category. We use the At the and of each Whig period t i , es. trwwom ca egor uation to compute Periodic Finance Charges for each transaction category. ll i f ng eq ow o (Average Daily Balance) lines (days in billing period) dimes (Daily Periodic Ralef. Charges For ce eatransaction ch e nct in a b l anc apply to ne a an n YOU t w??? ? ? Accourri. The Average Daily eakance is shown as zero V, because of g period. no Period kansao0on category. The Daily Periodic Rate Is 106% of the corresponding Proud Percentage Rant. d calclating to balance upon which are impose Period Finance Charges. We compute the Average Daily th d o a We use One Average Daily Balance (including new bansecllonel me Balance fa each Irarsadion category by adding tip all the daily Dolores in a biting period W a kansecdon category and dividing the btal by the number of days In dha billing period. to the previous Ws daily bolamne: transactions with a Transaction Dale of dial followin th ddi f g ng e ast a We cor pkde the daily balance for each transaction category on each day by day as stove on your biting uaMmonk unless pie transaction is posted to yourAocodml afar the dose of the billing WO In windy it occurs, in which case tie transaction will be added and Period Finer ce Charms scented on the previous dais ttady d that d f h ay ange ear c W the dsapy balance as of the rust day of me bbbnp period to wh ch t is posted to yasAccaara. lance oltns trariisadion allegory an mat day. In calculating the day balance for the first day of l ti b d M ne a aga S balance; end by man aubkacting tiny aedds and paynheris mat are appte parieQ rove consider the'prevlous dayrs defy balance' in nave been your balance fa each transact on category on the last day of your preYious bitng period. the Advance, Trairsaction Fee Z lodva a atrarnsa a+ amt y arad 8alarwa Tratmsf ranseGEon Fern ants C"a" "ich a e added to the aWke61ee balance t a transaction sa ticategory. to the le fi C a ap oup .800947.7444. For TDD Uraleoomm. I.. Devoe for rife Deaf) assbstmc e, please .41 D scouter may monitor ancUot raced Miophone pis (eaneen you and D stover represeriWt vas la archly assurance purposes. PA0210 02010 The Oticovor~' and Is issued by Discover Bank, Meter FDIC /+ Peps o NATAl1A DE LA ROSA It DISC VER MSCOVER Account number ending in 0453 page 2 of 2 Finance Charge Summary h L Ot er Average Daily ANNU ANNUAL Periodic ddnces ? current billing period: 31 days __-_ rQt __ PERCENTAGE .RATES PERCENTAGE - flC ARLES 0"S Purdwses $824.78 0.07942% 28.99% 28.99% $20.31 $0 Cash Advances $4,560.98 0.07942° 28.99% 28.99% $112.29 $0 V - Variable Rate Information For You * * * ATTENTION * * * Your account is seriously past due. Payment of the amount due and arrangements far future payments should be mode immediately. 8885507 QJeStionS? Visit www.Diswver.com or call 1.800-DISCOVER (1-800-347-2683. DISWER New Balance Minimum Payment Die DISC VER $5,655.97 $924.00 Payment Due Dab 4415, 2010 16 SDSN6A01 0007487 NATALIA DE LA ROSA 520 BRENTON ST SHIPPENSBUR6 PA 17257-2114 Account Number ending in 0453 Enter Amount Enclosed Below $1 ? Please make check payable to Discover Card. Mininwmopoyment dw includes a past due amount ii 6685.00. Go papertess and make your account information more seine with paserwd• pprtotected statements only you can access. Learn more at discover.coJm49 perless. PO BOX 71084 llirnii•nariiriir•nIi•i CHARLOTTE NC 28272-1084 Address, e-mail or telephone changetr Ittlrllto lll1Ir11114Irrl1if IIIIIIloll IIIIIIIIIIIIIIII III till ll Go to www.0iscovarx= or print change in space above. 000001966458261760835056559700000000082400 Opening Dcft: February I/, W w - r tostng ware: rnm Discover More Card Account Summary Account number ending in 0453 Previous Balance $5,493718 Payments And Credits 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 finarue Charges + 123.49 Other Fees t + 39.00 New a once 5,655.97 See Finance Charge Summary section following transactions for detailed APR Information Credit Line $4,100.00 Credit Line Available- $0.00 Cash Advance Credit Line $2,200.00 Cash Advance Credit Line Available $0.00 You may be able to avoid Periodic Finance Charges, see the reverse side for details. t See transaction detail for a description of any fees charged. Cashback Bowe Anniversary Month January Opening Cwhlwck Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashbak Banos Balance S 0.00 To learn more, tog in at www.Dlecover.com and select Rewards ch 16, 2010 page I or A Payment Information New Balance $5,655.97 Minimum Payment Due- $824.00 Payment Due Date April 15, 2010 'Includes post due amount of $685.00 Left Payment Warning: If we do not receive your minimum payment by the dab listed above, you may have to pay a late fee of up to $39.00 and your purchase APRs for new trottwdions may be increased up to the Default APR of 29.99% variable. MWmum Parymaet 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: Oniythamintmum 4l years $29,167 payment IF you would like information about credit counseling services, call 1-800.347.1121 fNa1dOa Your Accotmt Online at www.Discover.com 3 Easy Ways to Contact Us 1 Access your account securely at www.Diseowr cam o peeass free online ur bola Please us? _ create Planner to sec aeeesa atotements paer y 2. Call 1.800 DISCOVER (1-800 347.2683 bills online and easily crack all transactions Novo your Discover®card oval e. 3. Write to va at Discover, PO Box 30943, Make your money worth moresm-find easy ways to earn Salt Lake City, UT 84130 and redeem cash towards For TDD Velecommunications Device for the Deal) NEW Access your account securely through your assistance, please call 1.800.347.7449, mobile phone VWrAdctions pad Trans. ? ' Dab Other/M'sceBarwous Mar 16 Mar 16 LATE FEE $ 39.00 See reverse side, DISC46VER important kdomhaton. t 6rere is more than one page to this billing statement see the back Of each page for swum nnporwa imwm,awun. See your CarrbnmberA(peemerd. Your CardmemberAgreement Contains all he W" of you AccamL Lost or stolen cards. Report lmmediatcy! Call 14*347-268A 818mg Rights Stationary. M Case of Errors or Cluaslrons About Your Bk - H you 11" your lib is wrong, or d you need more Information about a inewctom on your A write to us on a separateaheel of paper at D}somr. PO Borr 3MI, Sat Labe City, U7 84130.0421, as soon as possible. Via must hem from you relater than 60 days efler we sent your the W bill on *A* h he error or proem appeared. You can telephone us, but doing so will not preserve yaw rights. In your teller give us the following infanaion: Your name ardAaawt number. Tim dollar amount of ton suspected error. Describe fie error and exptalh, t you can, why you bellm them is an error. If you need more Wormal on, describe to ilem you are unsure about. You do not have to pay any amount in Weston while we are invasigairg, but you sou 50 obligated to pay are parts of your bid Nat am not in question. While we imestilims your question, we cannot report you as deFnq mt or take any action to collect the arnomt you question. Special Rule for Credit Cud Purchases: If you have a proNmn with the quality of goods or services that you pmachasetl 14 a cretin card, and you have hied in good fatsl to =act the praDfem with the mooned, you may and have to pay he v rmlhing amen! due on the goods or servKes. You have this prole Ilion only when tlhe pixohase price was more than 5.50 and am purchase was made in your hoot state or wittn 100 miles of your mailing address. J9 we own or operate the merchant, or if we nailed you the advatament for the goods or SWAM, a pudeses are covered regardless of the amount or M" of p ochese.) PaymeMa, Sand rill your payment and the ton port on of this statement in the envelope provided. Do not send cask By sending your check as described above, you authorize us to use kdarrnaidrn on your check to make an alaceor is lard transfer tom your account at the financial Mom indcood oe your check or to process the payment as a check transaction. O paymem is proaasad as an electronic lend trancler, the translirwill be kr are amount of Be dledk. Won we M Itormation fray your check to make an electronic fund writer, funds may be withdrawn from your 8=11M as soon as the we day we recolm your payment, and you will not receive your chacc back ham your financial institution. The processing of you payment may be delayed 0 you said cash, correspondence or other Items via yaw payment, if you send the payment to any other address or 0 you use an envelope dw IM the she provided. Payments raceiwad in proper tam id our processing facily by WM local tine on any day will be credited to you Account as of hat day. Payments received at our processing tacky alb 5PM local true will be cradned to yourAcoaaw as of He nett day t you have misplaced yaw on . sand your payment to Discover; PO Box 6163, Card Steam. IL 60197-6103. Please stow 7-10 days for delivery, t your payer is relamad unpaid. we teaeve the right to fesubmit A a in electronic debit. You can pay your minimum payment or a greater wow owatne lelephora s. and you can sal up aulonralc payments. Call us of 14OD-347-2BH3, You will need this mooned and your bank account Information. You must ammo that sulkbnt falls ere av"a in your batik account, and all tromacti ns must comply wiry U.S. law. You will be asked to provide are firm 5 digits of yea account statement ZIP code. By woo" time members as yowaeclronic shgealere, you will be agreeing to thk authorization 1o allow is and your bank a deduct each payment you authorize from yota bank occDtnt. and to uisaledeb11 or credit entries to your bank account, as applicable. to cared an error in the processing d rein paymeml. You must kifl 9s the amount of each payment or you can select an amount such as the M aimuni Paymeat Due or he New Balance on each statement. You can carrel a payment: however we must receive notice at least three bridrim days in advance of the scheduled payment. You may roily us by phone at 1$00347.M or by malt at the address listed in the previous pa If youir pele ? statement V" in arram monr ya based ? ? each during monthly steamed when your 'rte lty?? be made and how much d will be. Your automatic payment MA may be lose than inftmed on Credit Reporting. We may report adormaion about yourAccoWn to aedt bureaus. Late paymens, mitred payments, or other chants on your Account may be reflected in your credit report Wa normally report the status and payment history of your Account to credit mportrnif agencles a" month. 11 you bourne that our report is inaccurate or ircamplele, pwraso wlic us at the following address: Discover, PO Box 15316. Witmito n, DE 1985MIC Please include your nave, address, lam telephone mndrer and Accanl nrnow, Grace Period on Purchases (at least 25 days l. We begin ronmpose Periodic Firm Charges on all transactions from the Transaction Date for the transaction dwm on your billing matemet, unless a Iransegion is posted to your Account of the dose of the bR'ahg period in which k occurs, in which case we begin to impose Periodic FnanceCharges on that transaction him the first day of he tiring period in vfikh M is posted to your Account. We corlinue to Impose Periodic Finance Charges UnN the date you pay you entire New Balance shown on yaw Mining statement by Masgg payments or receivkq credts. However, t you Daft the New Baance on your previous biting stalowt by the Payment Due bale shown on that WAV 31rdorlen6 we will not Impose Periodic Finance Chages on new purchases. that ts, purchases JIM appearing on the current bling statement or any portion of a new purchase. paid by he Paymed Due Date on your cuffed bitir$ statement We cat Ws rye'grace period." Them Is no grace period on balance panniers or cash advances. As more Why described in the secon of low Cadm mnber AgwnW W'How We Apply Payments,' we generally apply payer to yourAxanl based on he Annual Percenlege Rafe applicable to the balance of each uansactlon category. Tits ? thu do not Rothe Now les on oherroeb on Ow yocuirerd billing u may net gel a greet by One Parmil t ueDDale shown on tra(bd6rg pefiod on new MMOMOK Oren, depewhdihg DA 1110 amount of your payment Wnimwn Finance Charge. We will charge you a minimum FINANCE CHARGE of S.50 for any bung period in which Periodic Finance Charges of less than S30 worts otherwise be imposed. Anrmml Fee. If yourAccwnt has an amoral fee, 4 will be tiled at the begtmipg of each ahwwrerearl year your Account is open. The amount d the fare appears on the satemant when the fee is bill The antral fee is not refundable unless you ndi!y us that you wish to dose your Account wpahita 30 days of the mailing or delivery date of the statement on which he tuo is tailed. You 41 room pis refund even if you use your Card during if M period. Periodic Ftterrce Chagos. We sot you transactions into groups of purchases, cash advances, and balance Transfers and then huther sod the tanswIlom within each group by their Artaraal Percenlage Rate. For errsnpia, purchases su *d to a promotional tale and purchases subject lo a standard rate would be sepermegroups, We rake to these groups as transaction categories. At the, end of each tripling pwfod, m compule btlenmes and Periodic Finance Charges for each day of the billing period for each transaction category. We use the following equation to computer Periodic Finance Charges for each transaction cgs": (Average Daily Balance) Umes (days in billing periodl times (Dally Periodic Rae. YOU am" Summary on you tiling moment for these snarls. Then we add up he PeriadG Film Charges for each tansaction category to get to alb PP h fh sges for your Account. The Average Deily Balance Is show as sso fl, because of tie grace period, no periodic finance Chagas apply to the balance in a transaction category. The Daily PeADft Rate Is 1y365h of the ocerespondug Annual Percentage Rate. We use ft Average Dally Balance (Including new bamact ins) madwd of caimulatkg the batsce upon which we impose Peiodic Finance Charges. We compute ore Average Daily Balance for each is sactart category by adding up al the daily balance; in a bulirg period for a transaction category and drvidi ng the total by One numbs of days in Ore b" period. We compute he dairy balance la each transaction category on each day by first adding am following to the previous day's daily balance: trarsacBons with a Trarsactim Dale of that day as shown on your hum malaMmnt, Unless pm tansoco n is posted to low Account efwft dose of the baling pried in which it occurs, in which colic the transaction wit be added to the daily betake as of ton fast day of this, dung period in wAidr t 1s posted to your Account. lees dinged anal day and Periodic Finance Charges accrued on ton previous cap's dell balanm0. and by then subb-x rt any uedis and payments del are applied agoilKt he balance of the tansacsco category on that day. in calculat ng rye daily balance for the fast day of the bitting period, wo consider he'pr%ious day's dally balance'to have trees your balance for each transaction category on the last dap of your previous billing period. AUa ppabk cash advance transaction ?le athe standard nd Balance TTrwansfer Transaction Femme Finnaacwith the e Charges ao(Cash re added apTransaction Fee Finance plicable balance transfer transactiwhichare added on category For TDD (Telecommunications Decoke for the Deaf) assistance, please call 1'800'347'7449• Discover may monitor mdror record telephone calls between you and Discover representatives for quality assurance purposes ©2010 The Discover''' card is issued by Discover Bank, Member FDIC PA0210 P ( NATAUA DE LA ROSA DISCI, 'VER DISCOVER Account number ending in 0453 page 2 of 2 Finance Charge Summary Nominal ?r Avrly Poi dic ANNUAL ANNUAL PERCENTAGE PERCENTAGE Periodic FRVANCE F HNANCE current billing period: 28 days Bcddnce Rates RATES RATES CffARGES CHA6GH Punhases $883.75 0.07942% 28.99% 28.99% $19.66 $0 Cash Advances $4,669.04 OA7942% 28.99% 28.99% $103.83 $0 V = Variable Rate Information For You * * * ATTENTION * * * Your account is seriously past due, Payment of the amount due and arrangements for hAure payments should be made Immediately. 8985507 Questions? Visit www.Discover.com or call 1-800-DISCOVER (1.800-347-2683). DISCOVER 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 jay of , 2011 upon the following: Amy Hirakis, Esquire MidPenn Legal Serivices 401 East Louther Street Suite 103 Carlisle, PA 17013 B, Ja MIDPENN LEGAL SERVICES Amy Hirakis, Esquire 401 E. Louther Street, Suite 103 Carlisle, PA 17013 (717) 243-9400, ext. 2513 Fax: (717) 243-8026 ahirakis@midpenn.org Discover Bank, Plaintiff V. Natalia Delarosa-Martell, Defendant IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA No. 11-3324 Civil Action DEFENDANT'S ANSWER TO PLAINTIFF'S AMENDED COMPLAINT 1. Admitted. 2. Admitted. 3. Denied. Defendant is without sufficient knowledge or information so as to form a reliable belief as to the truth of the matter asserted. 4. Denied. Dcf-endant is without sufficient knowledge or information so as to furm a reliable belief as to the truth of the matter asserted. 5. Conclusion of law not requiring a response. EXHIBIT 6. Conclusion of law not requiring a response. COUNT I - BREACH OF CONTRACT h- 7. No response required. 8. Admitted in part and denied in part. It is admitted that at some time Defendant obtained a credit card from plaintiff. However, the remainder of this averment is denied. After reasonable investigation, Defendant is without sufficient knowledge or information to form a reliable belief as to the truth of the matter asserted. 9. Admitted in part and denied in part. It is admitted that Defendant made use of a credit card from plaintiff. However, the remainder of this averment is denied. After reasonable investigation, Defendant is without sufficient knowledge or information to form a reliable belief as to the truth of the matter asserted. 10. Denied. Defendant is without sufficient knowledge or information so as to form a reliable belief as to the truth of the matter asserted. 11. Denied. Defendant is without sufficient knowledge or information so as to form a reliable belief as to the truth of the matter asserted. 12. Denied. Defendant is without sufficient knowledge or information so as to form a reliable belief as to the truth of the matter asserted. 13. Denied. Defendant is without sufficient knowledge or information so as to form a reliable belief as to the truth of the matter asserted. 14. Denied. Defendant is without sufficient knowledge or information so as to form a reliable belief as to the truth of the matter asserted. 15. Denied. Defendant is without sufficient knowledge or information so as to form a reliable belief as to the truth of the matter asserted. 16. Denied. Defendant is without sufficient knowledge or information so as to form a reliable belief as to the truth of the matter asserted. 17. Denied. Defendant is without sufficient knowledge or information so as to form a reliable belief as to the truth of the matter asserted. WHEREFORE, Defendant asks that Plaintiff s Amended Complaint be dismissed with prejudice or in the alternative, the judgment be entered in his favor against Plaintiff. COUNT II - UNJUST ENRICHMENT 18. No response required. 19. Denied. Defendant is without sufficient knowledge or information so as to form a reliable belief as to the truth of the matter asserted. 20. Denied. Defendant is without sufficient knowledge or information so as to form a reliable belief as to the truth of the matter asserted. 21. Denied. Defendant is without sufficient knowledge or information so as to form a reliable belief as to the truth of the matter asserted. WHEREFORE, Defendant asks that Plaintiff's Amended Complaint be dismissed with prejudice or in the alternative, the judgment be entered in his favor against Plaintiff. Respectfully Submitted, M LEGA SERVICES Dater Puny t?ir s Attorn or Defendant Attorn ID No. 310094 401 E. Louther Street, Ste 103 Carlisle, PA 17013 717-243-9400 VERIFICATION I verify that I am the Defendant in the present action and that the facts and statements contained in the above Answer are true and correct to the best of my knowledge. I understand that any false statements are ma s bject to the penalties of 18 Pa.C.S. §4904, relating to unsworn falsification to a?it?iciz?-,,\? Date: q-z2,. I atalia IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION DISOVER BANK, Plaintiff, V. NATALIA DELAROSA, Defendant. NO.: 11-3324 CIVIL PLAINTIFF'S FIILST REQUEST FOR ADMISSIONS AND REQUEST FOR PRODUCTION OF DOCUMENTS Plaintiff demands that the Defendant answer and respond to the following Request for Production of Documents under oath pursuant to the Pennsylvania Rules of Civil Procedure within 30 days from the date of service hereof. Plaintiff also demands that the Defendant answer and respond to the following Request for Admissions pursuant to Pa. Rules of Civil Procedure 4014. You are requested to admit the truth of each of the statements of fact hereinafter stated. You are instructed that: 1. These requests are made under Pennsylvania Rules of Civil Procedure 4001, et seq., and each of these matters of which an admission is requested shall be deemed admitted unless your sworn statement in compliance with such Rules is timely made. 2. If you do not admit each of such statements, you must specifically deny each one not admitted or set forth in detail the reasons why you cannot truthfully either admit or deny each such matter. 3. Your answer, signed and properly verified, must be delivered to the undersigned attorney of record for the Plaintiff within thirty (30) days after delivery hereof. 4. If you fail or refuse to admit the truth of any such statement of fact and the Plaintiff thereafter proves the truth thereof, you may be required to pay the reasonable expenses incurred in making such proof, including attorneys' fees, witness expenses, etc. 5. If, in response to any of the following statements of fact, it is your position that the statement is true in part or as to some items, but not true in full or as to all items, then answer separately as to each part or item. 6. If you have been sued in more than one capacity or if your answers would be different if answered in any different capacity, such as partner, agent, corporate officer or director or the like, then you are requested to answer separately in each such capacity. Failure to do so constitutes an admission in any such capacity. EXHIBIT 7. In these Requests for Admissions: A. The word "person(s)" means all entities, and, without limiting the generality of the foregoing, includes natural persons, joint owners, associations, companies, partnerships, joint ventures, trusts, and estates; B. The word "document(s)" means all written, printed, recorded, graphic, or photographic matter, or, sound reproductions, however produced or reproduced, pertaining to any manner to the subject matter indicated; C. The words "identi "identify", "identification", when used with respect to a Wmn(s) means to state the full name and present or last known address and business address of such person(s) and, if an actual person, his present or last known job title, and the name and address of his present or last known employers; D. The words "identity", "identify" "identification", when used with respect to a date, subject matter, name(s) or person(s) that wrote, signed initialed, dictated or otherwise participated in the creation of the same, the name(s) of the addressee or addressees if any and the name(s) and address(es) of each person who have possession, custody, and control of said document( s). If any such document was, but is no longer in your possession, custody, or control, or in existence, state the date and manner of its disposition; and E. The word "identify', when used with respect to an act (including an alleged offense), occurrence, statement, or conduct (hereinafter collectively called "act"), means to (1) describe the substance of the event or events constituting such an act, and to state the date when such act occurred; (2) identify each and every person(s) participating in such an act; (3) identi all other on s (if any) present when such act occurred; (4) state whether any minutes, notes, memoranda, or other record of such act was made; (5) state whether such record now exists; and (6) iden i the person(s) presently having possession, custody or control of such record. 8. Unless otherwise indicated, all Requests herein relate to those certain events, persons, and period of time more fully described in the pleading in this case. 4. These requests are of a continuous nature. These Requests for Production of Documents shall be deemed continuing so as to require supplemental answers and documents if any information of documents are acquired subsequent to the filing of responses hereto, which information or documents would have been included in the answers and documents produced had, it been known or available at the time the answers and the documents provided pursuant hereto were produced. Defendants shall supply such information and documents by supplemental answers and production of documents as soon as such information becomes known or available and in all events, prior to trial of this action. If objection is made to any requests for production of documents, it is demanded that the requests for which there is no objection be answered and furnished within the aforesaid period. All documents identified in response hereto shall be organized and labeled to correspond with the request to which it pertains. For all documents produced, list the individual and his or her job title and department from whose files it was produced and the current custodian of said document. If a document called for is believed to exist or is known to exist, but is in the possession, custody or control of another person or party, the existence of the document, the identity of the possessor, custodian and one in control of such documents shall be provided along with any applicable common description or citation utilized by the publisher, possessor, custodian or disseminator of such document. If any document called for by this request is withheld on the basis of any claim of privilege or any similar claim, identify that document as follows: author; addressee; indicated or blind copies, date, subject matter; number of pages; attachments or appendices; all persons to whom distributed, shown or explained; present custodian; and nature of the privilege or similar claim asserted. REQUEST FOR PRODUCTION OF DOCUMENTS 1: Produce any and all documents evidencing proof of all payments on the subject credit card referenced in the Complaint, including, but not limited to, cancelled checks, receipts, coupons, statements, accountings, memoranda, invoices, financial statements, accounting entries, diaries, charts, lists, phone records, data compilations etc. REQUEST FOR PRODUCTION OF DOCUMENTS 2: Produce any and all documents you intend to introduce and/or provide testimony on as evidence at the time of trial. REQUEST FOR PRODUCTION OF DOCUMENTS 3: Produce all documentary evidence or information substantiating the defenses asserted in your Answer. REQUEST FOR ADMISSION NO. 1: The Defendant applied for the credit card referenced in the Plaintiffs Complaint. Admitted Denied If the answer to Request for Admissions No. 1 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 2: The Defendant received and used the credit card referenced in the underlying action. Admitted Denied If the answer to Request for Admissions No. 2 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 3: The Defendant resides at the address listed on the monthly statements dated March 16, 2005, May 31, 2010, and attached to these requests as Exhibit "I". Admitted Denied If the answer to Request for Admissions No.3 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request and identify the Defendant's addresses and the dates that Defendant resided at the said address. REQUEST FOR ADMISSION NO.4 The purchases and/or balance transfers and/or cash advances listed on the monthly statements attached hereto as Exhibit "I" are correctly identified for the underlying credit account. Admitted Denied If the answer to Request for Admissions No. 4 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REOUEST FOR ADMISSION NO. 5: The payments and/or credits listed within the monthly statements attached hereto as Exhibit "1" are correctly identified for the underlying credit account. Admitted Denied If the answer to Request for Admissions No. 5 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 6: The Defendant has made no payment on the credit card since November 13, 2009. Admitted Denied If the answer to Request for Admissions No. 6 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 7: The credit card account which is the subject of the underlying action accrued interest at a variable rate. Admitted Denied If the answer to Request for Admissions No. 7 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 8: The interest rates listed within the monthly statements attached hereto as Exhibit "I" correctly identify the interest rates for the underlying credit account. Admitted Denied If the answer to Request for Admissions No. 8 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 9: The Defendant has not submitted any written dispute as to billing inaccuracy concerning the credit card in question. Admitted Denied If the answer to Request for Admissions No. 9 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REOUEST FOR ADMISSION NO. 10: $5,655.97 is a correct and accurate current balance of the credit card account in question as of March 16, 2011. Admitted Denied If the answer to Request for Admissions No. 10 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE. Matthew D. Urban, Esquire Pa. I.D. #90963 Weltman, Weinberg & Reis Co., L.P.A. 1400 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR:8985507 DEFENDANT'S VERIFICATION I, , (please print) under penalty of perjury and subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities verify that the foregoing Responses are true and correct to the best of my knowledge, information and belief. Date Signature CERTIFICATE OF SERVICE A true and correct copy of Plaintiff's First Request for Production of Documents and pitk day of ( , Request for Admissions has been served by U.S. Mail, on the , 2011, upon the following: Amy Hirakis, Esquire MidPenn Legal Services 401 East Louther Street Suite 103 Carlisle, PA 17013 By: CERTIFICATE OF SERVICE A true and correct copy of the within Plaintiff's Motion for Summary Judgment and Brief in Support has been served by U.S. Mail, Postage Pre-Paid, on ai si- day of , 2012 upon the following: Amy Hirakis, Esquire 401 E. Louther Street, Suite 103 Carlisle, Pa 17013 By: Matthew D. Urban, Esquire PA ID# 90963 Weltman,Weinberg & Reis CO L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 WWR# 8985507 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plainti ff, Case No.: 11-3324-CIVIL vs. NATALIA DELAROSA, Defendant. ORDER OF COURT AND NOW, to-wit, this day of , 2012, upon Plaintiff's Motion for Summary Judgment, IT IS HEREBY ORDERED, ADJUDGED AND DECREED that said Motion is GRANTED and Judgment is entered in favor of Plaintiff for $5,655.97 with interest at the rate of 6.00% per annum from March 16, 2011, and costs. BY THE COURT J. WWR# 8985507 PRAECIPE FOR LISTING CASE FOR ARGUMENT (Must be typewritten and submitted in triplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY Argument Court.) CAPTION OF CASE (entire caption must be stated in full) Discover Bank vs. Natalia Delarosa (List the within matter for the next ,. , C.. Ea ---------------------------------- N r- c-) a . j No. 11-3324 Civil Term 1. State matter to be argued (i.e., plaintiff's motion for new trial, defendant's demurrer to complaint, etc.): Plaintiffs Motion for Summary Judgment 2. Identify all counsel who will argue cases: (a) for plaintiffs: Matthew D. Urban, 1400 Koppers Building, 436 Seventh Ave., Pittsburgh, PA 15219 (Name and Address) (b) for defendants: Amy Hirakis, 401 E. Louther St., Suite 103, Carlisle, PA 17013 (Name and Address) 3. 1 will notify all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: April 13, 2012 Signature Print your name Plaintiff 3/14/2012 Attorney for Date: INSTRUCTIONS: 1. Original and two copies of all briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) before argument. 2. The moving party shall file and serve their brief 14 days prior to argument. 3. The responding party shall file their brief 7 days prior to argument. 4. If argument is continued new briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) after the case is relisted. i 7 j -n tef-t o -? rT-, A Q?V`? ? 19 ' 04 ??75 C?a ?a?7 I UTr;Uj0TAn', t ?. 1' ??13ERLAN0 COUNTY PENNSYLVANIA IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK. Plaintiff VS. NATALIA DELAROSA Defendant No. 11-3324 CIVIL STIPULATION OF THE PARTIES FOR PAYMENT AND FOR THE ENTRY OF JUDGMENT BY CONSENT FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: Matthew D. Urban, Esquire PA I.D. # 90963 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue 1400 Koppers Building Pittsburgh, PA 15219 (412) 434-7955 WWR# 8985507 A PIT ABR ?,{?1ln,SOPd 0? ?? ?aw?gaa YVdic? U?(?e?l IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff VS. Civil Action No. 11-3324 CIVIL NATALIA DELAROSA Defendant PRAECIPE FOR JUDGMENT BY CONSENT TO THE PROTHONOTARY: Kindly enter Judgment against Defendant, NATALIA DELAROSA, in the amount of $6,015.56 plus costs, based upon the consent of the parties. CONSENTED TO: WELTMAN, WEINBERG & REIS CO., L.P.A. ?- -- -7 By: Attornev for Plaintiff NATAbIANDIMAROSA 620 BRENTON ST SHIPPENSBURG, PA 17257 WWR# 8985507 i Qr 1?i ?ourh?r Sf. Sfe / C, j r 70 IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff VS. Civil Action No 11-3324 CIVIL NATALIA DELAROSA Defendant STIPULATION OF THE PARTIES FOR PAYMENT AND FOR THE ENTRY OF JUDGMENT BY CONSENT TO THE PROTHONOTARY: Kindly enter Judgment in favor of Plaintiff and against the Defendant, NATALIA DELAROSA, above- named, in the amount of $6,015.56 pursuant to the Stipulation of the Parties for Payment and for the Entry of Judgment by Consent, as follows: 1. Defendant admits indebtedness to Plaintiff in the amount of $6,015.56. 2. To secure the repayment of said indebtedness, Defendant agrees that Judgment by Consent will be entered in favor of the Plaintiff and against the Defendant, NATALIA DELAROSA, in the amount of $6,015.56 plus continuing interest thereon at the statutory rate of 6.00% per annum from the date of judgment, and costs. Plaintiff agrees not to Execute on its Judgment so long as Defendants cause to be delivered to Plaintiff the following payments in full by 12:00 NOON on the following dates: (a) Defendant shall pay a settlement of 50% of the judgment amount, being $3,007.78, payable at $35.00 per month for twelve (12) consecutive months beginning on or before April 30, 2012; 013 (b) After April 30, 26-;-the paymcnt amount shall be re-evaluated; (c) Monthly payments will continue until settlement amount is paid in full; (d) If Defendant pays that amount in the agreed upon timeframe, Plaintiff agrees to file a satisfaction of judgment; (e) If Defendant fails to pay as agreed, Defendant will owe the full amount of the judgment, less any payments made, plus accrued interest and costs. 4. All payments are to be made payable to the order of "DISCOVER BANK" 5. The first payment due under this agreement is to be received at the offices of Weltman, Weinberg & Reis, Co., L.P.A., 436 Seventh Avenue 1400 Koppers Building, Pittsburgh, PA 15219. All future payments are to be mailed to the offices of Weltman, Weinberg & Reis, Co., P.O. Box 5430, Cleveland, OH 44101-0430. 6. In the event of default, each payment received shall be first attributed to costs, interest and then to principal. 7. Time is of the essence of this agreement and should the Defendant fails to have in the hands of Plaintiff or Plaintiffs counsel any payment in full within five (5) calendar days of the stated due date, then Plaintiff shall be immediately free to issue Execution as well as pursue all other remedies, in law or in equity, to collect the full balance of the Judgment entered hereunder plus appropriate additional interest and costs. 8. No act or omission of the Plaintiff, nor of anyone alleged to be acting on its behalf, shall constitute a waiver, estoppel, or any other excuse for non-performance of any duty undertaken by the Defendant in this Stipulation which the parties agree is final and complete. 9. Intending to be legally bound, the parties set their hands and seals this day of z i? '20 12- . WELTMAN, WEINBERG & REIS CO., [,.PA. .l NATALI . DELAROSA 620 BRENTON ST SHIPPENSBURG, PA 17257 n-f- I??lc??ni? 7U ! 3 By: Matthew D. Urban, Esquire PA I.D. # 90963 WELTMAN, WEINBERG & REIS CO., L.P.A, 436 Seventh Avenue 1400 Koppers Building Pittsburgh, PA 15219 WWR# 8985507 A PITABR IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff VS. Civil Action No. 11-3324 CIVIL NATALIA DELAROSA Defendant NOTICE OF JUDGMENT OR ORDER TO: ( ) Plaintiff (xx) Defendant ( ) Garnishee You are hereby notified that the following Order or d ment was entered against you on ?' (xx) Ass mpsit Judgment in the amount of $6,015.56 plus costs. ( ) Trespass Judgment in the amount of $ plus costs. ( ) If not satisfied within sixty (60) days, your motor vehicle operator's license and/or registration will be suspended by the Department of Transportation, Bureau of Traffic Safety, Harrisburg, PA. (xx) Entry of Judgment of ( ) Court Order ( ) Non-Pros ( ) Confession ( ) Default ( ) Verdict ( ) Arbitration ( ) Award (XX) By Consent Prothonotary NATALIA DELAROSA 620 BRENTON ST SHIPPENSBURG, PA 17257 Y By. •? PROTHONOTARY (OR DEPUTY) IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. NATALIA DELAROSA Defendant Civil Action No. 11-3324 CIVIL NOTICE OF JUDGMENT OR ORDER TO: ( ) Plaintiff (xx) Defendant ( ) Garnishee You are hereby notified that the following Order or Judgment was entered against you on (xx) Assumpsit Judgment in the amount of $6,015.56 plus costs. ( ) Trespass Judgment in the amount of $ plus costs. ( ) If not satisfied within sixty (60) days, your motor vehicle operator's license and/or registration will be suspended by the Department of Transportation, Bureau of Traffic Safety, Harrisburg, PA. (xx) Entry of Judgment of ( ) Court Order ( ) Non-Pros ( ) Confession ( ) Default ( ) Verdict ( ) Arbitration ( ) Award (XX) By Consent Prothonotary NATALIA DELAROSE C/O AMY HIRAKIS, ESQ MIDPENN LEGAL SERVICES 401 EAST LOUTHER STREET, SUITE 103 CARLISLE, PA 17013 By: PROTHONOTARY (OR DEPUTY) DISCOVER BANK, IN THE COURT OF COMMON PLEAS OF Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA: CIVIL ACTION - LAW vs. NO. 11-3324 CIVIL NATALIA DELAROSA Defendant ORDER AND NOW, this l? day of April, 2012, the appointment of a Board of Arbitrators in the above-captioned case is VACATED. Jerry Weigle, Esquire, Chairman, shall be paid the sum of $50.00. BY THE COURT, Vo' Kevin A. Hess, P. J. ? Jerry Weigle, Esquire ? Court Administrator -- :rlm Oofy ?'? .1 d i i ?ia ??' = f T r .n,