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HomeMy WebLinkAbout11-3335OF T E1 L ROTHOPCQTAIRY 2011 MAR 28 PM 3: C5 CUMB PCINNSYLVANIA ERLAND COUNITY IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff VS. ELIZABETH YEATTER Defendant No. 1 COMPLAINT IN CIVIL ACTION FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt,42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 08860290 C A Pit CXC IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. Civil Action No ELIZABETH YEATTER 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: ELIZABETH YEATTER 221 SHIPPENSBURG MOBILE SHIPPENSBURG, PA 17257 3. Defendant applied for and received a credit card bearing the account number XXXXXXXXXXXX4210 . 4. Defendant made use of said credit card and has a current balance due of $3288.27 , as of November 04, 2010 . 5. Defendant is in default by failing to make monthly payments when due. As such, the entire balance is immediately due and payable to Plaintiff. 6. Plaintiff is entitled to the addition of interest at the rate of 18.240% per annum on the unpaid balance from November 04, 2010 . A copy of Plaintiff's STATEMENT is attached hereto, marked as Exhibit 111" and made a part hereof. 7. Plaintiff avers that the Agreement between the parties provides that Defendant will pay Plaintiff's attorneys' fees. 8. Plaintiff avers that such attorneys' fees will amount to $125.00 . 9. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the balance due to Plaintiff. Wherefore, the Plaintiff prays for Judgment in its favor and against Defendant , ELIZABETH YEATTER INDIVIDUALLY , in the amount of $3288.27 with interest at the rate of 18.240% per annum from November 04, 2010 plus attorneys' fees of $125.00 , and costs. ames 436 S Pitts (412) FAX: 0886 This law firm is a debt collector att our client and any information obtain Wa ro t,42524 EINBERG & REIS CO., L.P.A. h Avenue, Suite 1400 PA 15219 -7955 338-7130 C A Pit CXC ing to collect this debt for ill be used for that purpose. New Balance Minimum Payment Duel Account Number ending in 4210 DISCOVER $0.00 I SS S8.00 Enter Amount Enclosed Below Payment Due Dab November 26, 2010 31 SDSN6A01 0001224 ELIZABETH YEATTER MOBILE EST 221 SHIPPENSBURG SHIPPENSBURG PA 17257-9521 PO BOX 6103 11Iloilo sarallssrsllrl6rl CAROL STREAM IL 60197-6103 Address, e-mail or telephone change? Go to www.DiscoverBain or print change in space above LllrrilrrrrrJlLLdrrrlrlLrrnrllllrrnrrlLllrrrrrlLrirrll . Go paperless and Hake your account Information more secure wRh peseword. pprrotectW datemerlts only you can access. Leam more at asco"r comtpaperless 000001986455381247552000000000000000055800 mr 31, 2010 page I of 1 vpening Dale Oclober 5, 2010 - Closing Dale: Octal Discover More Card Account Summary Account number ending in 4210 Previous Balance $3,288.27 Payments And Credits 3,288.27 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged + 0.00 Fees Changed + 0.00 New Balance O p0 See Interest Charge Calculation section following transactions for detailed APR information Credit Line $2,900.00 Credit Une Available $0.00 Cash Advance Credit Line $300.00 Cash Advance Credit Line Available $0.00 Anniversary Month April Opening Coshbock Bonus Balance $ 000 New Cashbock Bonus This Period + 0,00 Cashb«k Bonus it ilance $ 0.00 To Isom more, log in is www.Discover.com Payment Information New Bolonce $0.00 Minimum Payment Due $558.00 Payment Der Data November 26, 2010 Lola Payment Warning: IF we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 23.24% variable. Manage Your Account Online at www.Discaver.com • Securely access statements and free online tools, pay bills online and buck and view all transactions simply and easily • Mak* l"dD11iem cash rewards worth -R? easy ways to earn and re • NEWI Access your account securely through your mobile phone 3 Easy Ways to Contact Us 1. Access yaw account securely at vwvw.Discover eom 2. Col 1-8004DISCOVER (1.800.347-268) C I Please haw your Discovers card available i , 3. Write to us at Discover, PO Box 30943, Sob Lake City, UT 84130 For TDD (Telecommunications Device for the Dsafl - assistance, please cal 1-800.347-7449. Transactions Trans. Post Daab Payments and Credits Oct 31 Od 31 INTERNAL CHARGE-OFF s -3,288.27 Fees TOTAL FEES FOR THIS MIOD s IN nn 'ee"sr %Aargea TOTAL INTEREST FOR THIS PERIOD $ 0.00 2010 Totals Year-to-Date TOTAL FEES CHARGED IN 2010 $ 255.00 TOTAL INTEREST CHARGED IN 2010 17496 J@WM Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Being Period: 27 days RATE (APR) PERCENTAGE ECT TO INTO RATE RVTEREST CHARGE Purchoses 18.24% V $0 $0 Cash Advances 23.99% s0 $0 Balance Transfers 3.90% $0 s0 V . Variable Rate ? ..-W 31ae. DISC4WEK Additional Important Information - Important Information. N there is more than one page to this billing statement, we else bock of each page for additional important information See your Cardmember Agreement. Your Cardmember Agreement contains all the terins of your Account lost or stolen cards. Report immediately, Call 1.800.347-2683. What To De M You Think nets Find A Mistvke On Yarn Statement If you think (here is an error on your statement, write to us or Discover, PO Box 30421, Sall Lake City, UT 84130-0421 In your letter, give us the Following eiormation Account information- Your name and account number Dollar amount. The dollar amount of the suspected error Descnphon of Problem if you think these is an error an your bill. describe what you believe is wrong and why you behave it is a mistake You must contact us within 60 days titer the error appeared on your statement You must rally us of any potential errors on writing You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question While we investigate whether or not them has been an error, the following are true We cannot try to collect else amount in question, or mporl you as delinquent on that amount The charge in question may remain an your statement, and we may continue to charge you Interest on that amount But, it we delermine that we made a mistake, you wit not how to pay the amount in question or any interest or other fees related to dot amount While you do not have to pay the amount in question, you are responsible for the remainder of your balance We can apply any unpaid amount against your credit limit Your Rights M You Are DlssaHaRd With Yew Credit Card Purchases g you are dissatisfied with to goods or services Now you have purchased with your credit card, and you have led in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase To use this right, ate of the following must be true 1 The purchase must have been made in your home stab or within 100 miles of your current mailing address, and the purchase price must have been more tan $50 (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or d we own the company that sold you Not goods or services 1 2 You must hew used your credit card for the purchase Purchases made with cosh advances from an ATM or with a check )hot accesses your credit card account do not qualify 3 You must not yet haw fully paid for the purchose If oll of the criteria above are met and you are sell dissatisfied with the purchase, contact us in writing at Discover, PO Box 30945, Salt Lake Cry, UT 841360945 While we investigate, the same rules apply to the disputed amount as discussed above After we finish our investigoton, we ail tell you our decision At that point, if we think you owe an amount and you do not pay we may report you as delinquent Payments. Send only your payment and the top portion of this statement in the envelope provided Do not send cash By sending your check as described above, you authorrse us to use information on your check to make an electronic fund transfer from your account at the financial institution Indicated on your check or to process the poymad as a check transaction II payment is processed as an electronic fund transfer, der transfer will be for the amount of the check. When we use mformohon most your check to make an electronic fund transfer, funds may be withdrawn From your account as soon as the someday we receive your payment, and you whit not receive your check bock from your financial institution The processing of your payment may be delayed if you send cash, correspondence or ether items with your payment if you send the payment to any other address or of you use an envelope other tan to one provided Payments reserved in proper form at our processing locildy by SPM local lime on any day will be credited b your Aceohmt as al tat day Payments r""ad at our p acssst Facility ohm 5PM local lime will be credited to your Account as of the next day N you how misplaced your envelope, send your payment to Discowr, Mass 6103, Card Stream, IL 60197.6103 {lease allow 7.10 days For delivery If your payment is returned unpaid, awe reserve the right to resubmit of as an electronic debit You can pay your mrtamum payment or a greater amount over the telephone, and you can set up automatic payments Coll us at 1-006347-2683 You will need this statement and your bank account information You must ensure that sufficiew funds are avedobfe in your bank account, and all transachws must comply wish U 5 low You will be asked to provide the Brat 5 digits of your account statement ZIP code By entering terse numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you outhorim from your bank account, and to initiate debit or credit entries to your book account, as applicable, to correct an error in the processing o such payment You must tell us the amount of each payment or you can select an amount such as the Minimum Payment Dow or the New Balance on each statement You can cancel a payment, however we must receive noticed feast three business days in advance of the scheduled payment You may notify us by phone at 1406347.2683 or by mad at ihe address listed in the previous paragraph If your payments vory in amount, we will teg you on each monthly statement when your payment will be made and how much it will be Your aubmas c payment amount snag be lass than mdicuted on the monthly statement based on credits or payments applied during the boiling cycle Credit Reporting. We may report information about your Account to credit bureaus tote payments, missed payments, or other deFouks an your Account may be reflected in your credit report We normally report the status and payment history of your Account to credit repor" agencies each month If you believe that our report is irhOimusal r or incomplete, please write us at the following address Diwowr, PO Box I53I6, Wi.Imngion, DE 198565316 Please indicate your none, address, home telephone number and Account number Paying Interest: We begin to impose Interest Charges on all transactions from the Transaction Date For the transaction shown an your billing statement, unfea is transaction is posted to your Account after the close of the billing perod in which it occurs, in which case we begin b impose interest charges on Thar transaction from the Rost day of IM 616V peed ho which his posted to your Account We continue lo impose Interest Chores untd the date you pay your entee New Balance shown an your billing statement by making payments or receiving credits t you pad the New Balance an your previous billing statement by the Payment Due Dots shown am that billing statement, we will :hot Impose Interest Charges on new purchases, )hat a, purchases first rig on the current billing stolerns", or any portion of a new purchase, paid by the Payment Due Date on your current billing statement We call this "grove period' It is not less )von 25 days There is no grace period on balance transfers or cash advances As more fully described in the session of yyaw Cardmenber Agreement died 'How We Apply Payments," we generally apply payments to your Account based on "APR applicable rota baloace of each transaction category This mews that if you do not pay dw New Balance on the current billing statement by Fro Payment Due Date shown an that billing statement, then, depending w the amount of your payment and the APRs on other balances, you may not get a grace, period on new purchases Minimum Interest Charge. We Wdl charge you a minimum interest Charge of $ 50 for any billing period in which Interest Charges of less than $ 50 would otherwise be imposed Annual Fee. If your Account has an annual No, it will be billed at the beginning of each annmverw year your Account is open The amount of the Fee appears On the statement when the lea is billed The annual goo is not refundable unless you notify us Zoo you with to close your Account within 30 days of the mading or delivery date of the statement an which the fee is billed You will receive this refund even if you use your Card during dw period Now We Calculate Interest Charges - Daily Balance Method (including current transactions): We figure Interest Charges for each billing period To do this s We calculate your Interest Charges separately for each balance subject to different terms (for example, standard purchases, standard cash advances and each purchase, balance transfer and cash advance balance subject to promotional terms) We refer to these balances os transaction categories We Figure the "daily balance' for each transaction category To gN the'dtily baloncs' we lake the beginning balance for each day, add any new transactions and fees and my Interest Charges accrued art to previous day's doily balance then subtract any credits and payments and make after adjustments (including )hose adputments required in der section filled "Paying Interest") In calculating the daily balance fe the First day of the billing perod, we consider the 'previous day's daily balance' to have been your balance on die lost day of your previous billing period This gives us the daily balonce for each konsochon category We Figure she Interest Charges as your Account by multiplying the daily balance For each transaction category by its daily periodic rote, for each day in the 61 period s The fetal Interest Charges for the billing period ore the sum of the daily Interest Charges for each transaction category for each day during that billing period When we calculate daily balances, we odd o new Iransoction as of the Transaction Date shown on your billing satemenl, unless the transaction is posted to F, Account after tine close of the billing period in which it occurs, in which case dha transaction unit be added to the daily balance as of the Fuss day of the billsy? h tI is posted to your Account AN Fees charged to your Account are added to the standard purchase transaction category with der exclj'Af6Tdn7/Ee vane fees which are added to the applicable cash advance transucNon category and Balance Transfer Fees which are added to )fie applicable balance transfer ironsachon category Foreign Currency Fee: 2% of the U 5 dollar amount of each purchase made in a for ign currency Penally APRs: Each Now you foil b make a payment when due, we may, in accordance with applicable taw, (7 terminate the availability of any introductory/promeland APRs an new transactions, and (ti) increase your APRs for new transactions to variable Penalty APRs which wig be determined by adding up ban additional 5 percentage points to the otherwiseapplicable APR Your Penalty APR is determined based an your creditworthiness and other factors such as your current APRs, and your account history If your APRs far new transactions are increased for a lab payment, the Penalty APRs will apply indefinitely For TDD (Telschommunicalions Device for the Deaf) assistance, please call 1-800.347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes The Discover® card is issued by Discover Bank, Member FDIC OITBK 172 VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA.C.S. §4904 relating to unsworn falsifications to authorities, that she is Natasha Szczvgiel, 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# 8860290 Elizabeth Yeatter 6011009166294210 FILED-OFFICE Cumberland County Courthouse OF THE PROTHONOTARY Cumberland County it- Case# IL3335 civil Discover Vs Elizabeth A Yeatter 2011 APR -5 PM 1: 13 CUMBERLAND COUNTY PENNSYLVANIA In respowe to the summons delivered to me on March 29, 20111 Elizabeth A Yeatter dispute the summons as put forth. I do not deny that an obligation exist between the Plaintiff and myself, however the claim has not been properly stated, nor has it been validated. I wish to state for the record that it is my wish to satisfy my obligation with the plaintiff. The plaintiff has been offered satisfaction but has refused to work toward resolution that I am capable of providing. Due to financial hardship, rather than file bankruptcy, I am offering in good faith a partial payment arrangement of $25 per month. I pray the court adjudicate the fairness of this offer. Sincerely, Elizabeth A Yeatter IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff, vs. ELIZABETH YEATTER, Defendant. Case No.: 11-3335 CIVIL 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 "D r...? CD O a ,. C; CO WWR# 8860290 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff, Case No.: 11-3335 CIVIL VS. MOTION FOR SUMMARY JUDGMENT ELIZABETH YEATTER, Defendant. MOTION FOR SUMMARY JUDGMENT AND NOW COMES, Plaintiff, by and through its counsel, Weltman, Weinberg & Reis, Co., L.P.A., and hereby files this Motion for Summary Judgment against the Defendant. In support thereof, Plaintiff avers as follows: 1. Plaintiff filed a Complaint against Defendant seeking judgment in the amount of $3,288.27 with interest at the interest rate of 18.24% per annum from November 4, 2010 plus attorneys' fees of $125.00, and costs. A true and correct copy of the Complaint is attached hereto as Exhibit "A" and made a part hereof. 2. Attached to the Complaint was Verification from an authorized representative of Plaintiff verifying the accuracy of the amount sought. See Exhibit "A". 3. Defendant filed an Answer to Plaintiff's Complaint. A true and correct copy of the Answer is attached hereto as Exhibit "B" and made a part hereof. 4. On or around June 29, 2011, Plaintiff served upon Defendant a set of requests for admissions and requests for production of documents. A true and correct copy of the same is attached hereto as Exhibit "C" and made a part hereof. 5. No response to the discovery demands has been received from the Defendant. 6. The requests for admissions are now deemed admitted under Pennsylvania Rule of Civil Procedure 4014(b). Thus Defendant has admitted that she applied for, received and made use of the WWR# 8860290 credit card; that the statements attached to Plaintiffs Discovery Request correctly identify the payments and/or credits, purchases and/or balance transfers and/or cash advances, and interest rates; that she has not submitted any written disputes as to billing inaccuracies; that the account accrued interest at a variable rate; that she has made no payment on the credit card since February 28, 2010; and that $3,228.27 is a correct and accurate balance on the credit card account. 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. 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 $3,288.27 with interest at the legal interest rate of 18.24% per annum from November 4, 2010 plus attorneys' fees of $125.00, and, 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# 8860290 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff No: vs ELIZABETH YEATTER COMPLAINT IN CIVIL ACTION Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt,42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 08860290 C A Pit CXC Em %/I 11BI IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. Civil Action No E L IZA-3E 1'4 YEAT T ER 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: ELIZABETH YEATTER 221 SHIPPENSBURG MOBILE SHIPPENSBURG, PA 17257 3. Defendant applied for and received a credit card bearing the account number XXXXXXXXXXXX4210 . 4. Defendant made use of said credit card and has a current balance due of $3288.27 , as of November 04, 2010 . 5. Defendant is in default by failing to make monthly payments when due. As such, the entire balance is immediately due and payable to Plaintiff. 6. Plaintiff is entitled to the addition of interest at the rate of 18.240. per annum on the unpaid balance from November 04, 2010 . A copy of Plaintiff's STATEMENT is attached hereto, marked as Exhibit 111" and made a part hereof. 7. Plaintiff avers that the Agreement between the parties provides that Defendant will pay Plaintiff's attorneys' fees. 8. Plaintiff avers that such attorneys' fees will amount to $125.00 . 9. Although repeatedly requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the balance due to Plaintiff. Wherefore, the Plaintiff prays for Judgment in its favor and against Defendant , ELIZABETH YEATTER INDIVIDUALLY , in the amount of $3288.27 with interest at the rate of 18.240°s per annum from November 04, 2010 plus attorneys' fees of $125.00 , and costs. s 436 Pitt (412) FAX:/ 0886) Warmbrodt,42524 EINBERG & REIS CO., L.P.A. h Avenue, Suite 1400 PA 15219 -7955 338-7130 C A Pit CXC This law firm is a debt collector att our client and any information obtain &ng to collect this debt for ill be used for that purpose. New Balance Minimum Payment Duel Account Number ending in 4210 DISCOVER 50.00 $558.00 Enter Amount Enclosed Below Payment Due Date November 26, 2010 31 SDSN6A01 0001224 ELIZABETH YEATTER MOBILE EST 221 SHIPPENSBURG SHIPPENSBURG PA 17257-9521 Go paper iess and matte ya?r =MMwff1t Intonrat ion trwra secure sMlfe patsvvo?d Protected statements only you can access. Learn more at discover con9paperiess PO BOX 6103 1ll.hhllret1111411elltllshl CAROL STREAM IL 60197-6103 Address, e-mail or telephone changed Ir1lnrllnnrslllrlrrluslrllaurllllsnhs11e?1nurlleeltrll Go to www.Discovor.com or print change in space shove. 0130001986455381247552000000000000000055800 Opening Daft: October 5, 2010 - C using Date: Odot Discover More Card Account Summary Account number ending in 4210 Previous Balance $3,288.27 Payments And Credits - 3,288.27 Purchases + 0.00 Balance Transfers + 0.00 Cads Advances + 0.00 Interest Charged + 0.00 d + Fees W 0.00 New E OAQ See lydorest Charge Calculation section folowing transactions for detailed APR information Credit tine $2,900.00 Credit tine Available $0.00 Cash Advance Credit Line $300.00 Cash Advance Credit Line Available $0.00 Cashbac Bonus" Anniversary Month April Opening Cashbock Bonus Balance 3 000 New Cashback Bonus This Period + 0.00 Coshback Bonus Balance 3 0.00 To teem mars, tag in at www.Discovor.com e J r, AV N pjyw r w r Payment Information New Balance $0.00 Minimum Payment Due $558,00 Payment Due Date November 26, 2010 Late Payment Warning: If we do not receive your minimum payment by the dada hsted above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 23.24% variable. Manage Your Account Online at www.Discover.com • Securely access statements and free online tools, pay bills online and hack and view all transactions simply and easily • Make your money worth morel-find easy ways to earn and redeem cash rewards • NEWT Access your account securely through your mobrTe phone 3 Easy Ways to Contact Us 1. Access your account securely at wwwMiscover.com 2. Call 1-800.DISCOVER (I-800.347-2683) ? ? Please have your Discover® card oval able t 3_ Writ to us d Discover, PO Box 30943, Sok Lake City, UT 84130 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800.347-7449. Transactions rrmns. Past Date Date Payments and Credits Oct 31 Oct 31 INTERNAL CHARGE-OFF 3 .3,288.27 fees TOTAL FEES FOR THIS PERIOD S 0.00 Weeest Charged TOTAL INTEREST FOR TM PERIOD S 0.00 2010 Totals Year-to-Date TOTAL FEES CHARGED IN 2010 S 255.00 TOTAL INTEREST CHARGED IN 2010 174.96 J96"M Charge Calculation Your Annual Percentage Rate (APR) h the annual interest rate on your account. ERCEfQtAGE BALANCE A SUBJECT TO A TE INTEREST CHARGE E ?R} TEREST R T IN Current Billing Period: 27 days R Purchases 1824% V $0 s0 Cosh Advances 23.99% $0 s0 Balance Transfers 3.90% $0 $0 V = Variable Rate Continued on reverse ode. DISCOVER Additional Important b6irmation Important Information, If there is more that one page to this Wing statement, see the bark of each page for additional impocbnr Information See your Cardmamber Agrearnant. Your Cardmember Agneemere cannoinsal the terms of your Account Lost or stolen cards. Report nmmedfatehyt Call 1.800-347.26B3. What re Do if Yeu TTdsds row find A Mistake On Your Statement IF you think there n ors errs m your srotemeM, write b m ot• Discover, PO Be. 30421, Sob lake Cdy, UT 841300421 In your letter, give m the following trdormatim Account information' Your name and account number Dollar amount. Tha dolor amount of the suspected error Descnphon of Problem N you think there ism error m yam bill, descnbe whoa you believe u wrong and why you bah.- t is a mistake You must coma.$ us wAla 60 days after the error appeared on rur sioleasent You most nosily us of my potential errors in writing You may ca I us, bul if you do we are not required to invesigete arty poxentol errors and you may hove to pay the --I in question Whte we invo stigote whether or not there has been an error, the lollowirg we true We cannot try to collect the amount in question, or report you as delinquent on 161 amount The charge in question may rwmoin on your staiament, and we my continue b charge you interest on that amount But, if we determine t4a we mark a mistake, you will not have to pay the amount to question or any interest or other fees natured to that amount While you do not have to pay the amount in question, you we responsible for the remainder of your balance We can apply any mpoid amount against your credit luau Your Rights if You Are DtssaA4f ed With Yew Credit Card Purchases g you one dissaiAod with the goods or sernces riot you have purchased with your credit card, mod you haws tried in good Forth to correct the problem wits die merchant, you may hove the right flat to pay the remaining amount due on the purchase To use this riOR of"Following must be true I Tice purchase most have been madw in your horse slate or within 100 rinks of your current moging address, and the purchase price most hove been more Aton S50 (Nate: Nether aF these we necessory 0 your purchase was based onan advertisement we maid so you , or 4 we own she company And sold you tine goods or sar vices 1 2 You must have used your credit card for t¢ purchase Purchases made with cosh advances from an ATM or with o check lha accesses your erecM card account do not qualify 3 You must flat yet hew fully paid for the purchose If ON of the crserw above are met ad you oro shill d-ollified with the pwclane, contact us m writing or Ducower, PO Bon 30945, SaU Lake City. UT 841300945 While we owastgote, rho sums odes apply to the ch"d crane as discussed above Alter we finish our Investigation, we wit tell you our decawn At that pant, Awe think you owe an amauat and you do not pay we may report you as delinquent Payments. Send only yaw payment osd the top paean of this sbtenwnt In the emebpa provided Do non send cash By senchrtffyour check as described above, you aulhwen ass b use adormmtan an your check b molre an electronic kid fransFw (ram your acesamI at the financial Insuutian indicated an yaw check a b pr«ess tlse paytnhent os a aback Iramau:tion II payment a processed m on eleettonic fund harsda, the transfer will be for the cenoure Of the check. WM'use snFwmohon kom your check b make on electron c fund wander, lends may be wdfdrewn from your account as soon as the some day" receiw ment, ord you hurl not rocewe your check back ham your fimnerol inslds4an The pro2-re al your peynhent may be dekyed tl you send cash, conaspondersce w alias items wih your paymem iF yw and the payment to any Ili- ad dress or d you use on emebpe r Ilsain the one provided F4ryments racewed M prope Isom al our processing )octksy by 5PM local hma an airy day will -;-y tie cm 'I :d b your Account as al tier day I'aymeM recened at oar processing fx?y? a1Mx SPM bad Terse will be credited to your. as of t e fled day IF you brave ant, seed yaw esrvelope, send your payment b Discover, PO Bo: 6 f03, Caro4 $sscem. K60 7.6102 %case allow 7.10 days Fair delivery if your payment a rahrrried unpaid, vro reserve she rgFe to rosubmA n as on elecvonlc debit You can pay your rmn himmt payment w o greeter amount over the telephone, and you can set up ohaomakc Fr.nn Col us of 1.800347.21583 You will need tide statement and yaw honk account inlormat-tan You must ensure rho sufficient Furls one available m yom bank account, and all amsaeuoas must comply wills V S law Your will ba asked to prowde die First 5 digits of your rxcoanr elwareent ZIP rode By entering those numbers as your it"cor c si'Ir', ,you will be ogreesng to Phis audwrizofian to slow us and your bask a deduce each pay s you aushwtze laic yaw bank account, and m innate debt or credit sneies b ywt 6nmk aceoml, os appRcable, ro wrrocl on error to the pr«esdsng d such peymeM You rmnl tell us the a.."M of each payment or you con select on amount wch as rte FAirmnsm Payment Oue w th. New Baance on each stotexal You can cancel a poymam; howavw sva naa! rocew notice at least three 6wMers days m advance of the scheduled payment Yeu stay rely us by phone at 1800347.2683 or by mad of Ate address latent In the ptevsous paiograph N yaw payments vary to rNnhoolrhl, vro wall hell you an each monthly staknteN when you payment vnTl be mode and how rmich B will be Your ousamate payment ornouM uwy tea less than indieoled on Ihs monthly statement based an credit w pssymenh applied during the billing cycle Crodif Reporting. We may report information about your Account b credit 6wea is late payments, missed poymenu, a other defouhs m yaw Account maybe reNaeted in your aesfB royal We nornwly report use status and payment hnlory of your Account to credit neponttrx4 agerseies crack mmti IFyou bebew tail oar report b fshaccirok or itromplek, otiose wide to of Ate ioNowmg oddrea Dneover, PO Bier 15316, Wilmington. DE 198545316 Please indicate your name, address, home telephone number and Account number Paying Inlarast: We begin b Impose Interest Charges an all transactions from the Transaction Date for the tronsacf'wn shown on your bt stetemeM, e... m iz posted to r Account after The close of the 691iog period in which is occurs, in which case we begin to impose IntereA charges an that transaction horn she Brsl day OF IC 616V period in whwb his posted to your Account We continue s;=the se interest Charges until the dote you pay your eMtro New Boksnce shown an your bilmg statement by mekmg peymenn w rece nili ZUrs N you New Bahrica on yaw previous bA" statemert by t» Payment Die Dal shown on that billing statement, we writ not Impose Interest Charges on rhew purchases, tat a, purchases first apppaaoring m the current 6Dvhg sabmeM, « any portion of o new purchase, pod by use Payment Dw Dote an your currant tiling satemenr We call this 4hs'g... period ' it is not less than 25 days iluero n no grace penal an balance kenslers a coati odvonc?es A< more ktNy down6cl in the section of your Cordmembar Agreement tided -How We Apply. PeryineMs,` we generally apply poymenn w yaw Account based on the APR applicable to the batmce of each transaction category This moans Nast ll v rte not pray the New Balance an the current biIng stelemeM by the Payment Due Dote shown m that tilling salemeM, then. depending an the amount ai yaw payment and to APRs on other bdmces, you may not got a grace period on new purchases Nlfnimum Gdered Charge. We will charge you a minimum Warest Charge of $ SO for any bRmg period in which Interest Charges of less than $ 50 would otherwise be wsposed Annual Foe. If your Account has an amaal lee, a wig be billed at use beginning of with onnnersayear your Account is open The amount of the fee appears on Ax statementwken the fee rs biped The annual free is not refundable unless you notdy us Zoe you wish to close your Account withm 30 days of the madmg or delivery dole of tie aserament on which the Fee is billed You will recot- Am refund ewn d you use your Cord during 11m1 period How We Calculate Irdened Charges - Daily 8olonce Method (including current iransadions): We figure Interest Charges for each being period To do this We calculate your interest Charges separately for each balance subled to different terms (lot example, standard purchases, standard cash advances and each purchase, balance transfer and cosh advance balance subivel to promoumal terms) We refer so these balances as transaction categories We Figure the'dody balance' For each trmsocti.n category To get the'dofly balance wo sake the begginning balance for each day, add any new tronsoctma and Fees and any Insemst Charges accrued on the pme iws day's daily botonce We Ihm wbhaN any ctedaa andpoymenfs and make other adjustments (including those adjustments raquved in the section tilled 'Porn Wwesr) In cdwlaana!!se d 1y bolonco Fan Iha fast Jay of she 6114 period, we consider she 'pr--sus day's doily b.11mce' b here been sow balance on ife foss cloy of your prewrws bAmo period This gives m the doily balance fa each wansactah cukrgoiy We figure the interest Charges on your Account by mutiplyi g tie doily balance for each trons.ckun category by its doily periodic rote, for eoch day in the baling period The ford Interest Chorges For the 6M.9 period ore the sum of the daily Interest Charger For each transact.. category for each day during shot 6Mng period When hie calculate clailly balances, we odd a new transaction as of she Transaction Data shown on bills statement, unless the transaction is posted so your Account after the dose or Ili billing patod in which a occurs, in which case the aonsocthon ws0 be added to nc.doily bolmce as of the first slay of the biAi q?j k Bit poa«I to your Accoum All fees charged ro your Account are added to the standard purchase irmsoctbn coiegory wntn to e 1 fe9 Fees which we added a the applicable cosh ad. rice Irmiacdoe cote gory and Balance Transfer Fees which oro added so the applicable 6olonce transfer transaction category Foreign Currency Fee: 7% of the U 5 dollar amount of each purchase made in a fwmgn currency Penalty APRzs Each Rme you fail to make a payment when due, we may, in accordance with applicable Few, (11 terminate the awFlabili y of my introductory(pranotanat APRs on new nansoctims, and (if( inenwse your APRs for new transactions to vwable, Penalty APRs which wig be determined by adding up ban additional 5 pe reeseoge points to the otherwise oppfcoble APR Your Ponafty APR n detmmused based m your creditworthiness and other Factors such as your current APRs, sand yaw xceunt hatory N your APRs For new konsact ons oro mcreosed fa a late payment, the Penalty APRs will apply mdefntely For TOO (Telecommunicafiorw Device for the Deaf) assistance, please call 1-800-347-7449. Discover may monB.e and/or record telephone calls between you and Dlscowr represenaives for quality assurance purposes TM Discoverm card is ns..d by Dhcawr Bank. Member FDIC O ITBK 172 VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA.C.S. §4904 relating to unsworn falsifications to authorities, that she is Natasha 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# 8860290 Elizabeth Yeatter 6011009166294210 Cumberland County Courthouse Cumberland County Case# IL3335 civil Discover Vs Elizabeth A Yeatter In response to the summons delivered to me on March 29, 20111 Elizabeth A Yeatter dispute the summons as put forth. I do not deny that an obligation exist between the Plaintiff and myself, however the claim has not been properly stated, nor has it been validated. I wish to state for the record that it is my wish to satisfy my obligation with the plaintiff. The plaintiff has been offered satisfaction but has refused to work toward resolution that I am capable of providing. ])me to financial hardship, rather than file bankruptcy, I am offering in good faith a partial payment arrangement of $25 per month. I pray the court adjudicate the fairness of this offer. Sincerely, Elizabeth A Yeatter 0" QffO34?-- EXHIBIT '?X?Cvqb IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION DISCOVER BANK Plaintiff, V. NO_: 11-3335 CIVIL r_YU[Bff ELIZABETH YEATTER, Defendant. PLAINTIFF'S FIRST REQUEST FOR ADMISSIONS AND REQUEST FOR PRODUCTION OF DOCUMENTS Plaintiff demands that the defendants answer and respond to the following Request for Production of Documents under oath pursuant to the Pennsylvania Rules of Civil Procedure within 30 days from the date of service hereof. Plaintiff also demands that defendants answer and respond to the following Request for Admissions pursuant to Pa. Rules of Civil Procedure 4014. You are requested to admit the truth of each of the statements of fact hereinafter stated. You are instructed that: 1. These requests are made under Pennsylvania Rules of 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 can not 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. In these Requests for Admissions: A. The word "pprson(sf 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 "identity" "identify" "identification", when used with respect to a person(s) means to state the full name and present or last known address and business address of such person (s and, if an actual person, his present or last known job title, and the name and address of his present or last known employers; D. The words "identity" "identify" "identification", when used with respect to a date, subject matter, name(s) or person(s) that wrote, signed initialed, dictated or otherwise participated in the creation of the same, the name(s) of the addressee or addressees if any and the name(s) and address(es) of each person who have possession, custody, and control of said document(s). If any such document was, but is no longer in your possession, custody, or control, or in existence, state the date and manner of its disposition; and E. The word "identi ' 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 12erson(s participating in such an act; (3) identi all other person(s) (if any) present when such act occurred; (4) state whether any minutes, notes, memoranda, or other record of such act was made; (5) state whether such record now exists; and (6) identi the rson s presently having possession, custody or control of such record. 8. Unless otherwise indicated, all Requests herein relate to those certain events, persons, and period of time more fully described in the pleading in this case. 9. These requests are of a continuous nature. These Requests for Production of Documents shall be deemed continuing so as to require supplemental answers and documents if any information of documents are acquired subsequent to the filing of responses hereto, which information or documents would have been included in the answers and documents produced had it been known or available at the time the.answers and the documents provided pursuant hereto were produced. Defendants shall supply such information and documents by supplemental answers and production of documents as soon as such information becomes known or available and in all events, prior to trial of this action. If objection is made to any requests for 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 Z: Produce any and all documents you intend to introduce and/or provide testimony on as evidence at the time of trial. REQUEST FOR PRODUCTION OF DOCUMENTS 3: Produce all documentary evidence or information substantiating the defenses asserted in your Answer. REQUEST FOR ADMISSION NO. 1: Defendant applied for the credit card referenced in the Plaintiff s Complaint. Admitted Denied If the answer to Request for Admissions No. I is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 2: Defendant received and used the credit card referenced in the underlying action. Admitted Denied If the answer to Request for Admissions No. 2 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 3: Defendant resides at the address listed on the monthly statements dated May 4, 2008 through October 31, 2010 and attached to these requests as Exhibit "L" 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. REQUEST FOR ADMISSION NO. 5: The payments and/or credits listed within the monthly statements attached hereto as Exhibit "I" are correctly identified for the underlying credit account. Admitted Denied 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: Defendant made no payment on the credit card since February 28, 2010. 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 "1" correctly identify the interest rates for the underlying credit account. Admitted Denied If the answer to Request for Admissions No. 8 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 9: Defendant has not submitted any written dispute as to billing inaccuracy concerning the credit card in question. 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. REQUEST FOR ADMISSION NO. 10: $3,288.27 is a correct and accurate current balance of the credit card account in question as of November 4, 2010. 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 W WR:8860290 DEFENDANT'S VERIFICATION 1 , (please print) under penalty of periury 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 Request for Admissions has been served by U.S. Mail, on the,,*,.-,#% day of nC 2011, upon the following: Elizabeth Yeatter 221 Shippensburg Mobile Shippensburg, PA 17257 By: ' CARDMEMBER AGREEMENT Please read this Agreement carefully before using your DiscovaO Card Account it contains the terms and conditions of your Account some of which may have changed from earlier materials provided to you. In the event of any differences, this Agreement shat control. We respect your privacy. See the t9ilracy section on page 10 and our Privacy policy for additional information. The Arbitration of bisputes section on page 11 includes a waiver of a number of dghu, irc u the to a jury tntal The Right to Reject Arbitration section an pa 13 the procedure you must follow H you desire to reject the Arbitration of Disputes section. DEFINITIONS ................................................... 2 USING YOUR ACCOUNT ......................................... 2 Your Acceptance of this Agreement ............................ 2 Permitted Uses of Your Account ............................... 2 Prohibited Uses of Your Account... - .......... ................. 2 Purchases and Cash Advances in Foreign Currencies ............... 3 Cash Advances ...............................................3 Balance Transfers ............................................ 3 Credit Authorizations ........................................ 3 Authorized Users ............................................ 3 Unauthorized Use ........................................... 3 Your Credit lines ............................................ 4 CHANGES TO THIS AGREEMENT ................................... 4 MAKING PAYMENTS ............................................. 4 Promise to Pay .............................................. 4 Monthly BiRig Statement .................................... 4 Month Payment Options .................................... 5 Automatic TFng Arrangements ............................... 5 How We Apply Payments ..................................... S Minimum Monthly Payment .................................. S ..................................... editace Offers . S Credit Balances .............................................. FINANCE CHARGES .............................................. E How We Calculate Periodic Finance Charges ..................... E How We Calculate Your Balances .............................. E Variable Interest Rates ....................................... I Default Rate ................................................ : Cash Advance Transaction Fee Finance Charges .................. I Baiarce Transfer Transaction fee finance Charges ................ E Foreign Currency Transaction Fee Finance Charges ............... i Minimum Finance Charge ..................................... I Account Set-up Fee Finance Charge ............................ I FEES ........................................................... 1 Annual Fee ................................................. 1 ! Late Fee.... .............. ................................. Returned Payment fee ....................................... ! Returned Discover Card Check fee ............................. ! Pay-By-Phone ................................................! Resewch Fee ................................................ ! DEFAULT AND CANCELLATION .................................... ! Types of Default ............................................. ! Consequences of Default ..................................... ! Cancellation ................................................ ! PRIVACY AND OUR COMMUNICATIONS WITH YOU ................. 11 Our Privacy Policy ........................................ . .. 11 Reporting to Credit Reporting Agencies ........................ 11 -t- tODCMO_o2r301-T122HO210_01363_readw.indd 3-A 12115109 1:37MPM Our Communications with You ........................... . ... 10 Releasing information About Your Account ............. . ...... 10 Electromc Notices to You .................................... 10 Notices - Changes to Your Information ........................ 10 CLAIMS AND DISPUTES ......................................... 10 Merchant Disputes .......................................... 10 Clain Notices .............................................. 11 Arbitration of Disputes ...................................... 11 Right to Re''ect Arbitration ................................... 13 LEGAL INTERPRETATION OF THIS AGREEMENT ...................... 13 Severability. .:......................................... 13 Compliance with interest Rate Limbtiors................. .. ... Governing Law ............................................. 13 ASSIGNMENT OF ACCOUNT ...................................... 13 DEFMdT10NS "Account" means your Discover Card Accotom "Authorized UsW 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 authorization, 'Pddng S?dxdsde" muss the document accompanying your Card and listing the Finance Charge rates that apply to your Account. The Pricing Schedule is part of this Agreement. "We," "ue and "our" refer to Discover Bank, the issuer of your Discover Card. "You," "your' or yosms" 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 thin Agreement, including the Arbitration of Disputes section on page 11. You may, however, reject the Arbitration of Disputes section as explained on page 13. Permitted Uses of Your Account Your Account may be used for. • Purchases - to purchase or lease goods or services from participating merchants by presenbng your Card or Account number or by u*q promotional checks, which we may furnish to you, in accordance with such additional terms and conditions as we may offer from time to time. • Cash Advances - to obtain cash advances from participating automated teller machines, financial institutions or other locations, the purchase of lottery tickets, racetrack wagers, vouchers redeemable for cash or for casino chips, money order, traveler's checks, savings bonds, foreip currency and wire transfers, or by means of checks whrdi we may furnish to you, all in accordance with such additional terms and conditions as we may offer from time to time. • Balance Transfers - to transfer balances from other creditors or to make other transactions by means of balance transfer coupons or checks, in accordance with such additional terns and conditions as we may offer from time to time. In addition, your Account may be used to guarantee reservations at participating establishments. You wig be liable for guaranteed reservations that are not cancelled prior to the time specified by the establishment Your Account may be used for personal, family, household and charitable purposes. -2- I 1000M0_0280KTL22M0210-01363_reaMin&i 5•6 Prohibited Uses of Your Account. Your Account may not be used to obtain bans to purchase, carry or trade in securities, to pay any amount qou owe under this Agreement or for any transactions that are unlawful where you reside or where you are physically located when you use the Account to initiate the transaction ("Prohibited Transactions"). Purchases and Cash Advances in Foreign Currencim If you mace a purchase or cash advance in a foreign currency, it will be ceowerted to U.S. dollars using either a government-mandated rate, a government-published rate or the interbank exchange rate, depending on the caxxry and currency in which the transaction is made. The rate used will be the rate in effect on the conversion date for the transaction, which may be different than the Transaction Date as shown on your statement. We charge a Foreign Currency Transaction Fee Finance Charge for each purchase made in a foreign currency as described in the Foreign Currency Transaction Fee Finance Charges section on page B. Cash Advances. We may periodicalyy off er you {xomotional rates on cash advances for the time period spxacitied in the offer subject to the Default Rate section. The offer may contain a Cash Advance7ransaction Fee France Charge for each cash advance. Balance 1Fansfers. We may periodically offer you the opportunity to make balance transfers from other creditors or to make other transactionstoyour Account by means of balance transfer coupons or checks. Each offer will certain a promotional rate, which will be the Annual Percentage Rate that will apply to transferred balances for the time period specified in the offer, subject to the Default Rate section and may corltam a Balance Transfer Transaction fee rmance Charge for each balance transfer made during the term of the offer, as disclosed in the offer and as set forth in the Pricing Schedule, if applicable. Balance transfers subject to the promotional rate are referred to as promotional rate balance transfers; balance transfers for which the promotional rate has expired are referred to as purchase rate balance transfers. Each offer will contain an expiration date. 0 you attempt to transfer balances by meets 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. Crept AkdhorizaftL Certain transactions Will require our authorization prior to completion. In some cases, you may be asked to provide ideni iwtion. We have the right not to authori ze 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 no ity us and destroy any Card in that perskxrY possession. Your can not us by telephoning 1-80tF MVER (1400347-2683), or by writing PO Box 30943, Salt Lake City, UT 8413D-W3. Norse of your rights under this Agreement (other than to pay amounts owed) may be exercised by any person not a party to this Agreement acting pursuant to a power of a", without our separate written agreement (which we are not obligated to give). Unauthorized Use. Prior to its use, each Card must be 0 by the person to whom it is issued. If a Card is lost or stolen or if you t ink that someone is using your Account or a Card without your permission, notify us immediately, You can notify us by telephoning 1-80O-DISCOVER (1-800347-2683), or by writing Discover, PO Box 30943, Salt Lake City, UT -3- 42115!09 1:3744 PM 84130-U943. 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 willill advise you of your Account credit lire. We may impose a lower hoe that will apply to cash advances, referred to as the cash advance credit line. We may Ao impose a lower lire that will apply to balance transfers, referred to as the balance transfer credit line. You agree not to allow your unpaid balance, including Finance Charges and fees, to exceed your Amount credit line. If you exceed your Account credit fine, we may request immediate payment of the amount by which you exceed your Account credit One. We may increase or decrease your Account credit line, your cash advance credit ne or your balance transfer credt fine without notice. The credit available for your use max from time to tine, be less than your Account credit fine. For puxiruses of determining your available cr edt we reserve the right to postpone for up to 15 business days reducing gar uryhaid balances by the amoratt of any payment that we receive.. Your avalable credit w. rat be increased by the mount of any credit balance. CHAN6ES TO THIS AGREEBENT From time to time, we max to the extent permitted by law, dwn9e any term of this Agreement, including, but not ited to, any finance ficharge rate, fee or method of comitin any below upon which the charge rate is asessed, or a din! or delete any term to this Agreement We win rpve you notice clue change In the titre and manner reghAred bylaw, which includes 45-days advance written notice in some circumstances, in addition, to the extent required by law, we will offer you the oppprtunty to reject a change. ?, law requires with rxxta, exap 1i tthat we offer you the to reject an increase in a late fee or the dimination of a grace period prior to the effective date of the change. If you reject a change its accordance with the instructions in the notice we will dose your Account and you will no longer be able to use for further trarrsadioru You can then pay the remaining balance under the uncharged term, We may also change arty term of any product, service or benefit offered in connection with your Account. We will notify you as required by law or by the two of the product, service or benefit. MAIQN6 PAYMENTS Promise to You agree to pay us in US. 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 Amo nit or a Card, even if you do not notdy us that others are using your Account or a Card. N you pay us in other than U.S. dollars, we may refuse to accept the t or derange your Account our cost to convert your paymentto U.S. ars. AN checks must be drawn on funds on deposit m the U.S. You may not usea cash advance check, balance transfer check or coupon or arty other promotional cetk drawn on any Discover Bank credt cart account to make payments on your Account If your Account is a joint Account, each of you agrees to be liable individually and Jointly for the entire amount owed on your Account We can accept late payments or partial payments or theca and money orders marked "payment in full" or wiamy other restrictive endorsement without losing any of our tights under this Agreement Monthly Billing Statement We will send you a billing statement after each .4- monthly billing period in which you have a debit or credit balance, unless we waive our right to do so as permitted by law, The billing statement will show all purchases, cash advances, balance transfers, Finance Charges and other charges of fees and all payments or other credits posted to your Account dur'urg the billing period, It will show your New Balance, Payment Due Date and Minimum Payment Due as of the end of the billing period. If your prior month's payment is returned unpaid your required Mimmum Payment Due may be higher than shown on your billing statement. See the Minimum Montt r Payment section on page S. Mont* Payment Options. You may at any time pay the entire New Balance shown on your billing statement but each month you must pay at least the Minimum Payment Due as described in the Minimum Monthly Payment section. All payments must be made in aomordance with the terms stated on your monthly billing statement as well as the payment cut-off time stated in this section, and we will credit your Account in accordance with those terms and this section. Payments received in proper form at our processing facility by SPM local time on any day wi be credited as of that day, Payments received in proper form at our processing facility after 5PM local time will be credited as of the next day. Automatic BfiBrng Arrangerner ts. If your Anoint number and/or Card radon date and our records indicate you have automatic bng established-aa nrerchamk we will attempt to provide your new Account information to that merchant To ensure uninterrupted billing, we recommend that you verifythe m enchant has your new Accamt udonnafim You must contact the merchant di edly if you do not wish to continue the automok MUM arrangement. Now We Apply Payments. Each billing period, to the extent your payments exceed the Minimum Payment Due shown on your current billing statement, we will these excess amounts in order of the Annual Percentage Rate all a to the balance of each transaction category (as referenced in the Finance Charges; section), generally from highest to lowest beginniig with the balance subject to the highest Annual Percentage Rate. Othio%ise, we will apply Ms and credits at our i isuetion, including in a manner most favorable or convenient for us. In all cases, we will apply payments and credits in accordance with applicable law. Minimum Mon i* Payment. The Minimum Payment Due each month will be the greater of: • the New Balance d it is less than $15; • $15 if the New Balance is $15 or more, or any past due amount plus the greater of • 2% of the New Balance (excluding current Periodic Finance Charges and Late Fees) rounded up to the nearest dollar or • current Periodic Finance Charges plus Late Fees plus $15 (not to exceed 3% of the New Balance) rounded up to the nearest dollar. We may also ihdudeswneoralItheamount bywNdiyouexceedyour Amount ttedrt line, We may subtract certain fees to calculate the Minimum Payment Due. The Minimum Payment Due will new exceed the New Balance. Skip.A.Payment Offers. We may from time to time allow you to not make a minimum monthly payment and was notify you when this option is available. H you take advantage of this offer and do not make a mirrimum 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 fallowing billing periods Celt Balances. We will refund arty credit balance within seven business -5- 1 10DCM0_02601LTL2aMlo_otaa3_reader.Hrdd 7-8 12/iSM 1:37 4 PM days from receipt of your written request. If you do not request a refund, we will automatically refund credit balances greater than it 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 Tranw-lion 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 whichcasewebegintoim PeriodicWanceCharges onthat transaction from the first day of the bit rod in whidh it is posted to your Account We cahtime to impose Peri:Finance Charges until the date you pay your entire New Balance shown on your billing statement by making payments or receiving credits. However, ff you paid the New Balance on r previous billing statement by the Payment Due Date shown on that illirg statement we will not impose Pduodic Finance Charges on new purchases, that s, pumhasesfirstappearmgonthe amotbi lingstatement or arty portion of a new purchase, paid by the Payment Due Date on your current billing statement We call this the "grace period." There is nograce period on balance transfers or cash advances. As more fully described in the section tided "How We Apply Payments; we generally ap ts>b gar Account based on the Annual Percentage hate app ic? the balance of each transaction atego TMs means that If yon do not pay the New Balance on the current bin g- statement by the Payment Due Date shown on that billing statevnent tthert, 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 rote would be separate groupL We refer to these groups as transaction categories. At the end of each billing period we balances and Periodic France Charges for each day of the 6iRahg?for each transaction category. We use the following equation to compute Periodic Finance charges for each transaction category. (Average Daily Balance) tines (days in billing period) times (Daly Periodic Rate). You may refer to the Finance Charge 5ummary on billing statement for these amounts Then we add up the Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges for your Account. The Average Daily Balance is shown as zero if, because of the grace period, no Periodic Finance Charges apply to the balance in a transaction categorycThe Daily Periodic Rate is 11365th ofthe corresponding Annual Percentage Rate. How We Calculate Your Balances We use the Average Daily Balance (mclu ding new transactions) method of calculating the balance upon which we impose Periodic finance Charges. We compute the Average Daily Balance for each transaction category by adding up all the daily balances in a billing period for a transaction category and dividing the total by the number of days in the billing period. We compute the daily balance for each transaction category on each day by first adding the following to the previous 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 daily balance as of the first day of -6- the billing period in which it is posted to your Account, fees charged that dayy and Periods Finance Charges accrued on the previous day's daily balance; and by then subtracting any credits and payments that are apppplIied agalmt the balance esf the transaction category on that day. In caladating the daily balance for the first day of the biH4Y period, we consider the "previous days daily balance" to have been your, balance for each transaction category on the last day of your previous bulling period. Ali fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable balance trarsfer transaction categoryc Variable Interest Rates. One or more Daily Periodic Rates and corresponding Annual Percentage Rates that apply to a transaction category may be variable rates as set forth in your Pricing Schedule or In arty special offer you receive from us. Variable Annual Percentage Rates are determined by adding a specified number of percentage points to the Prime Rate. This is shown on the Pricing Schedule as 'Prime + (percentage pants).' For of this Agreement, the Prime Rate Is the highest rate of interest isted as the 'prime rate' in the Money Rates section of The Wail Street lornaf on the last business day of the month. The Prime Rate is merely a pricing index and does not represent the lowest or best interest rate avail to a borrower at any bank at any givers time. If you have a variable rate, your Annual Percentage Rate will increase or decrease when the Prime Rate changes. This change will be effective beginning with the first day of the billing period that begins during the same month as the change in the Prime Rate. An increase in the Annual Percentage Rate may increase your Minimum Payment Due. Default Rate. Each time that you do not make the Minimum Payment Due by the Payment Due Date we may, in accordance with applicable law: (i) terminate the availability of any promotional Annual Percentage Rates on new transactions; and ('ml increase your Annual Percentage Rates for new tfarsactions to variable Default Rates. Each new variable Default Rate for a new transaction is determined by adding up to 5 additional percentage paints to the otherwise aidliable Annual Perce gge Rate and will vary based on any ch es in the Prime Rate. (for examen , 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 16.99% variable and vary thereafter with the Prime Rate.) When we first determine the variable Default Rates, we use the Prime Rate effect!* for the billing period e Default Rates are determined in in which you aayy late The variabl accordance ihe Variable interest Rates section. We will base your Default Rate on your creditworthiness and other factors such as your current Annual Percentage Rates and your Account history. If we increase any of your Annual Percentage Rates to a Default Rate, we Y46 send you a notice, in accordance with applicable law, advising of G) the date the new Default Rate will apply (the "Default Rate Effective Date"), Guy the type of new, transactions to which it will be applied (note: the new Default Rate will not apply to any other transactions) and, Gil your right to reject the new Default Rate. New transactions are those transactions which either G) have a Transaction Date, as shown on your biting statement of more than. fourteen days after we mail or deliver the, notice to you or, G7 if pemdtted by app??Icable law, were posted to your Account after the current Default Rate Effective Date, Your Account will not be subject to a Default -7- f SODCMO_0280K n22H0210_01363_reoder.kWd 9.10 12/15/09 1:37A4 PM Rate for the first twelve billing periods after your Account a 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 1>y applcable law, periodically review you Aoxoouit to detem?ne N arty Df ywr Annual Percentage Rates should be reduced. Arty reduced Annual Percentage Rates on new and existing balances may be different and may be fighter than your previam standard Annual Percentage Rates far purchases, balance transfer ardMr cash advances or arty promotional rate. Cash Advance Transaction Fee Finance Charges. Unless otherwise specified in a cash advance offer, we will charge you a Cash Advance Transaction Fee FINANCE CHARGE of 5% of the amount of each new cash advance with a minimum Cash Advance Transaction Fee FIANCE CHARGE of $10 and no maximum. The kripoption of Cash Advance Transaction Fee Finance Charges may result in an Annual Percentage Rate for cash advances that is higher than the nominal Annual Percentage Rate. AN form of cash advances, including the use of Disocw Card checks, regardless of the purpose for which used are subject to Cash Advance Transaction Fee Finance Charges. To obtain the total Finance Charge on cash advances for each billing period, we add arrnty cm Advance Transaction Fee Finance Charges for the billing period dnarged under this section to any Periodic Finance Charges calculated under the Periodx F'mance Charges section for each cash advance transaction category arid add up these amounts. Balance Transfer Transaction Fee Finance Charges. Unless otherwise specified in a balance transfer offs, vve will charge you a Balance Transfer Transaction Fee FINANCE CHARGE of 5% of the amount of each new balance transfer with a minimum Balance Transfer Transaction Fee FINANCE CHARGE of $10 and no maximum. The imposition of Balance Transfer Transaction Fee Finance Chmjft. may result in an Annual Percentage Rate for balance transfers that is hig1w than the nominal Annual Percentage Rate. To obtain the total Finace Charge on balance transfers for each bill'' period, we add any BalanceTrarmfer7rarmaction fee Finance charges for the billing period charged order this section to any Periodic Finance Charges calculated under the Periodic Finance Charges section for each balance transfer transaction category and add up these amounts. Foreign Currency Transaction Fee Finance Charges. We will charge you a Foreign Currency Transaction Fee FINANCE CHARGE of 2% of the U.S. dollar amount of each purchase made in a foreign currency. The imposition of Foreign Currency Transaction Fee Finance Charges may result in an Annual pumfroses that is highhrr than the nominal Annual Percentage Rate or Percentage Rate. To obtain the all finance Currge on purchases fo each biling period we add any foreign Currency Transaction Fee Finance Charges for the billi nngg period charged under thus section to any Periodic Finance Charges calculated under the Periodic Finance Charges section for each purchase transaction category and add up these amounts. Minimum Finance Charge. We will charge you a minimum FINANCE CHARGE of $50 for any bill-mg period in which Periodic Finance Charges of less than 5.50 would otherwise be imposed. Account Setup Fee finance Charge. If you Ffi 'mg Scheduleaocompairying your Card includes an Account Set-up Fee, we w61 charge you a one-time Account Set-up fee FINANCE CHARGE in the amount indicated when we open your Account. FEES Annual Fee If your Pricing Schedule accompanying your card includes an Annual Fee, we wiN charge you an Annual Fee in the amount indicated. we will charge you this fee when we open your Account and at the beginning -8- I IODCMO gMK_TL22HO210_OI363_,eader.indd 11-12 of each anniversmy 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'dyou have failed, as of the Payment Due Date, to make the Minimum Payment Due that was required to be paid for that bafng period. The amount of the Late Fee is based on the sum of all purl cash advances, balance truders, other charges, other fees and FFinance Charges at the end of the birng period for which we did not receive timely payment. If the sum is $250 oress, the fee its $19. if it a greater than $250, the fee Is $39. Returned Payment Fee We will charge you a Returned Payment Fee of $35 each time you pay us with a check or other instrument that is returned unpaid This fee will also apply if a debit transaction to a deposit account from v&h you, have authorized us in writing, electronically or orally to pedo deuct all or a part of an amount you owe us under this Agreementrt is returned unpaid. We will charge you this fee the fast time any payawd is returned unpaid, even if it is paid upon resubmission. RetwaW Discover Card Check Fee. We will charge you a Retuned Discover Card Check Fee of $35 each time we decline to honor a Discover Card cash advance cbedr. balance transfer check, promotional purchase check, or other promotional check. Pay-EStrAme. V* may from time to time Am you to make payments by authorizing us over the telephone to transfer or p funds from a deposit accotert to you Account. We wall not charge youa "Phone Fee. Research Fee. We may charge you a Research fee of $5 for each copy of a billing statement or sales sNp that you request Howetm, we will not charge a fee if you request copies in connection with a billing error. DEFAULT AND CANCELLATON Types of Default You are in default if you become insolvent; if you file a bankruptcy petition or have one fled against you; if we have a reasonable belief L ft are unable or tmwi?ng to repay your obNQations to us; if you are declared incompetent by a wort or if a court apants a guardian for you or a [atsetvator for your assets; if yyoouu dry if you fait to comply with the terms of this Agreement, including fa-kng to make a required payment your Account credit line or using your Card or when due, excK* Account for a ProhnThfted Transaction; or if you fail to make a required payment when due on any other account you have with us. Connsequntces of Default If you are in default we may declare the entire balance of yaks Amount immediately due and payable without notice. If we refer the collation of your Account to an attorney or employ an attorney to represent ten vuitfh regard to recovery of money that you owe us, we may charge you reasonable anoneerys? fees and court or other collection costs as permitted by law and as actually incurred by us, including fees and costs in connection with any appeal We delay enforcing or not enforce any of our rights under this Agreement i losing or waiving any of them. CaneeNation. You may cancel your Account by us in writing or by telephor* and retuning or destroying every Card unused check that vvehave provided you. You can notify us by telephoning 1-MD1SCDVER (14W347-2663), or by writing Discover, Pb Bar 30943, Salt Lake City, UT 84130e%3. of course, you will still be responsible to pay any amount you owe us according to the temm of this Agreement. I your Account i,a' out Account, efther Cardmember may cancel the Account but you will th remain responsible to pay any amount owed to us according to the terms of this Agreement We may cancel or suspend you 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- 12/15109 137A4 PM return any Card or unused checks to us upon request PRIVACY AND OUR COMMUNICATIONS VWH YOU Our Privacy Policy. We may from time to time review your credit, employment and income records. We respell the privacy of Information about you and your Account Out Privacy Policy inckudes a suirrnagr of the personal information we collect when rt may be shared with others how We sateguurd the confidentiality and security of information and the steps you may take to limit our sharing of such information with others. Please read It carefu l as it is part of your Cardin er Agreemerr Reporting to Credit Agencies, As indicated in our Privacy Policy, we may report to it reporting agencies and other creditors the status midpaymenthistoryof your Accotmt indudingnegi tivecreditirrtormation. Late payments, missed payments or other defatdts on your Amcount may be reflected in your credit report. We normally repot to such credit reportmg agencies each morph. if you believe that our report of your Account status is inaccurate or incomplete, please write is at the foNarI address: Discover, PO Box 15315 Wilmurigton, DE 198563316. 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 representirtives without additional notice to you, including 1wt riot lim' to ark we make to collect debts. We may use any medum permitted by law, including but not limited to mall, live telephone calls, automated telephone equipment, prerecorded telephone calL% egnd and calls to your cell phone to contact you abou t your Accoirut or to offer you products or services that may be of velue to you. If you pm not to be contacted in one or more of these ways you must either phone us at 1-80MSCOVER (1480.347-2683) or write to us at Discover, PO Box 30%1, Salt Lake City, UT 30951.0951 Rdea* lniormation About Your Account We provide various methods by whicli you can obtain information about your Account We will ord4 release such information to you, any Authorized User that our records indicate Is an authorized brrver on your Account, and any other person with your prior permission, in addition to as provided in our Privacy Policy or as requked by law. Our security measures cannot insure against unauthorized ingrunes You agree that we will not be responsible for the release of information to anyone wA% even if without your authorization or permission, has gired possessinn of a Card or has learned other Identifying characteristics about you such as your personal identification number, Account number or soda] security number. Electronic Notices to You. We may offer you the opp to receive certahl notices from us electronically rather than thr the mail, Including monthly billing statements and change of terms notices. The terms and condition for receiving these electronic communications will be described in the offer. Notices - Changes to Your Information. If you change your e-mail address, mailing address or telephone number you must notify us of your new address or telephone number withv 15 days. You can notify us by telephoning 1-800ZMVER (1-800.347-2683) or by writing Discover, PO Box 30943, 5alt take ft UT 84130-0943. If your Account is a joint Am mL any notice we mall to an address you have provided for the Account will serve as notice to both Cardmembers. CLARKS 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 _ to - iODCMa_02809_TL22HO210_01363,aeaderbndd 13-14 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 amt to your Account and you will be deemed to have assigned to us your claim against the merchant andlor any third party for the credited amount Upon our request, you agree to provide us wrdr written evidence of such assignment. Claim Notices. In the event that you or vve have a claim that arises from or relates to your Account, any pprrior account you had with us, your application, the relationships vdt'nch result from your Account or the enforceability of the Agreement or any prior agreement before initiating, joininmgg or participanng in airy dudiael or arbitration pmoeed'Ing, as either a rd"rvidual litigant or member of a class ("Proceechng"), the complaining party shall give the other ppaarty: (1) a written notice of the claim ("Claim Notice'), at least 15 days before vitiating any Praaeding, explain, in reasonable detail the nature of the claim and any svpportirrg facts; and (2) a reasonable good faith o n icy to resolve the claim without the neaessity of a Proceeding, is Includes?any dairu involving our parent corporation, subsidiaries, affiliates ('in irg, widtout limitation, DFS Services 1.2, predecessors, successors, assigns, as well as the officers, directors and employees of each ofthese entities. Any Claim Notice shall be sent to us at Discover PO Box 3024, New Albany, OH 43(154 (or such other address as we shad subsequently provide to you) (the "Claim Notice Address") or to you at your address appearing in our records or, if you are represented by courrA to you attorney at your attorney's office. Arbitration of Disputes. Agreement to aftraae. In the event of any past, present or future claim or dispute (wheduet based upon contract, tort, statute, common law or equity) between you and us arising from or relating to your Account, any prior amount you have had with us, your application, Ow relationships which result from your Amount or the enforceability or scope of this arbitration provision, of the Agreement or of any prior agreement you or we may elect to resolve the darn or dispute by YOnding arbiE SHAD. IF mHER You OR w ARBITRATION NEITHER HAVE THE RIGHT TO EIITIGATE THAT CLAIM IN COURT OR TO HAVE A JURY TRIAL ON THAT CLAM PRE-HEARING DISCOVERY RIGHTS AND P05740 MG APPEAL RIGHTS WILL BE LIMITED. NEITHER YOU NOR WE SHALL BE ENTITLED TO JOIN OR CONSOLIDATE CLAIMS IN ARBITRATION BY OR AGAINST OTHER CAROAEWERS WITH RESPECT TO OTHER ACCOUNTS, OR LITIGATE 84 COURT OR ARBITRATE ANY CLAIMS AS A REPRESENTATIVE OR MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY ("Class Action Waiver"). Notwithstanding anything else to the contrary in this arbitration provision, only a Dort and rent an arbitrator, shad determine the validity and effect of the Class Action Waiver. Even if allparties have opted to litigate a claim in court you or we may elect arbitration with respect to any davit made by a new party or any new claims hater asserted in that lawsuit and nothing undertaken therein shall wn tuts a waiver of any rights under this arbitration provision. We will not invoke our right to arbitrate an individual claim you bring in small claims court or your state's equivalent court if any, unless such action is transferred, removed or appealed to a different court. Governing Law and Rules. Your Account involves Interstate commerce and this provision shall be governed by the Federal Arbitration Act (FAA). The arbitration shad be conducted, at the option of whoever files the arbitration claim, by either the American Arbitration Association (AAA) or JAMS in accordance with their procedures in effect when the claim is filed. For a copy of their procedures, to file a claim or for other information, .II- 12!1549 1:37:05 PM contact AAA at 335 Madison Ave., Floor 10, New York NY 10017-5905, wwwadrorg (phone 1.800778-7879) or JAMS at 620 Eighth Ave„ Floor 34, New York NY 10018, www.jamsadccom (phone 1-800.32-5267). No other arbitration forum will be permitted,, except as a feed to pursuant to either the am" to this Agreement section or a %wit?ng signed by both parties. If neither AAA nor JAMS is able or willing to serve as the arbtration admW*ator and we and you are unable to agree on a repwcement admin8tramor or arbitrator, then a court of competent jurisdiction will appoint an administrator or arbitrator or arbitrators fm the case of an appealtDapanel of three arbitrators as described below). Unless a mwited to by al parties, no arbitration may be administered by any administrator or arbitrated by any arbitrator that has any formal or informal poCKy, rule o re that is inconsistent with or purports to override the terms of this section. If we elect to resolve a claim or dispute by binding arbitration and the arbitrator issues an award in your favor on a claim or datums with respect to which you would not otherwise be entitled to recover you arbitration filing, administrative and hearing fees, reasonable attorneys' fees awdkr other arbitration costs, we vii be responsible for paying or reimbursing such costs and fees if awarded by the arbitrator. Fees and Cost At your written request we will advance any arbitration filling, adereristrative and hearing fees which you would be required to pay topursrsea claim or dispute asa result of our electing to arbitrate that claim or dispute Send requests to Discover, PO Box 30421, Sale Lake City, UT 8413040421. The arbitrator wig decide who will ultimately be responsible for payingthosefees.YouWill only be responsible for paying orreimbursing our aNwaraom filing, administrative or hearing fees to the extent you would have been responsible for payng'attomeye fees and tout or other collection costs" had the action proceeded in court in no event W R you be regraed to pay any fees or costs incurred by us in connection with an arbitradw proceed)ng where such a payment or reiimbursement is prohibited by applicable ha+n, Hearings and Decisions Any arbitration hearing will take place in the federal j u" district where you reside. The arbitrator shall follow applcabk substantive law to the extent coraatent with the FAA and applicable statutes of limitation and shall how claims of privilege recatgnized at law and shall be authorized to award all remedies permitted lhhre stAgantive laws that would apply if the action were pending In out. If requested by any party, the arbitrator shall write an opinion containing the reasons for the award. The arbitrator's decision will be final and binding except for any appeal dg? under the FAA and except that if the amount in controversy exceeds 3100,000, any pa may appeal the award within 30 days to a three-arbitrator panel, which shat review the award de novo. Unless applicable law provides otherwise, the appealing party vA pay the cast of the a Vest regardless of its outcome. However, wewill consider in g<hod faith re le request for usto bear thefees charged by the arMtration administrator and the arbitrators in connection with the appeal Judgment upon any award by the arbitrator may be enforced in any court Fhavmg jurisdiction. Other wrefxwiesiai of rids Provisiai. Our rights and obligations under this arbitration provision shall inure to the benefit of and be binding upon our parent corporations, subsidiaries, affiliates Onduding, without limitation, DFS Services LLC), predecessors, su ccessm assigns. as well as the officers, directors and employees of each of these erntitin and will also inure to the benefit of any tired paty? named as a co-defendant with us or with any of the foregoing in a c(ar mm 4" is subject to this arbitration provision. You rights and obligations under this arbitration provision shall inure to the -12- I 0280K TL22H0210_01363_maderAndd 15-16 benefit of and be binding upon all persons contractually liable under this Agreement and all Authorized Users of the Account. Survival of this Provision. This arbitration provision shall survive termination of your Account as well as voluntary yment in full by you, anyy legal proceedinnggs by us to collect a debt dmh3d by you, arty bankruptcy b you and any sale by us of your Account. Rigiit to Reject Arbibaton. You reject the ArMt atiar of Disputes sector by dkg us a notice of re ertion W& 30 days after reoe irk a cud, at thef?i oM" address Diuover, Po But 30935, yak take t'rgr, UT 841360935. If you were Cmw* sul*ctto arbitroRionwith respect to any account with us, this rig to reject arrbbiittrration will not anoly to you. Your rejection notice must include you nave, address, t ephone 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 your notice, we require that the notice be provided awl you directly and not through a third party; Rejection of arbitration vnot affect yyo other rights or respmilbiMres under this Agreement or your obtigadto 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 will be obligated by the Arbitrator of Dilutes section with respect to this and any prior account have had with us, even if you have previously sent a rejection notice with ?espeR to that prior account. LEGAL INTERPRETATION OF THIS AGREEMENT Severabiitys I aimry part of this Agreement becomes unenforceable, it will not make any other part unerdbroeab1% except that if the Class Action Waiver set forth above in the Arbitration of Disputes section is invalidated in any proceeding in which you and we are involved, then the Arbitration of Disputes section will be void with respect to that proceeding. Compliance with interest Rate Wnifadons. We intend that this Agreement wig comply with applicable interest late 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. it is ever finally determined that, but for this section, the Finance Charges or other charges under this Agreement would exceed the maximum lawful amount, the Finance charges and other charges wig be reduced to the maximum lawful amount, Any excess amount that you have already paid w51 be used to reduce the outstant iry balance of your Account or will be refunded to. you by means of a check in our discretion. Governing Law. This Agreement and any claim or dispute arising out of this Agreement wig be governed by applicable federal law and, to the extent state law applies, Delaware late ASS1GfNViENT OF ACCOUNT We may set assignor transfer your Acmnt or any portion thereof without notice to you. You may notse5, assign or transfer your Account without first obtaining our prior written consent. PRIVACY POLICY We are required by federal law to provide you with a copy of our Privacy Poky each year. N you have previously notified us about your privacy preferences, as descriW in Section 4, It is not necessary to do so again unless you decide to change you preferences. .13- 12/15/09 1:3795 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 seciAly of your personal information is our top p We understand your concerns about guarding information about you and your Account. We wart to assure you that we have taken steps, and will continue to take steps, to safeguard that information. This Privacy Policy describes our efforts to meet these objectives. It includes a summary of the following important information: • A listing of the personal information we collect; • The circumstances in which we may share information with others; • The ways we safeguard the confidentiality and security of information; and • The steps you may take to limit our sharing of such information with others. See Section 4 for complete details. Please read our Privacy Pokey 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 businm it is important that we colleect and maintain accurate personal information about yyoouu We obtain this information from applications and other forms you it to us, from your dealings with us and crt1 , from consumer repot agencies, and from other sources, such as our Web rtes. For exam e: • We may obtain information such as your name, address and date of birth from applications and other forms you submit to us. • We may obtain W maton such as Account balances, payment history, your use of your Account and the types of services you prefer from your transactions and other dealings wit 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 computers operating systems and Web browser, your Web site use and your product and service preferences from your vishs to Web sites. 2. Is Personal Information Shared with Odwrs? We limit the snaring of information with others. Many of the offers you receive for products and services are proMed directly to you from us. For example, a retailer that accepts the Discover® Card may come to us with a special offer for Cardmembers, such as a discount certificate or product upgrade. After careful consideration of the nature of the offer and the compar* we will create a list of Cardmemberswho may be interested in the offer based on certain characteristirs. We WIN send the offer directly to those Cafilimembers on behalf of the retailer for ww%le, including an insert in their monthly billing statement or marling the offer ourselves. We control the information used to make the offer, we do not snare the list or any information about our Cardmrmbers with the retailer However please understand that if you do receive this type of offer from a and choose to take a of it, the retailer may-then learn information about you beau t?Cardrnemben with certain characteristics received the offer. There are, however, circumstances in which we may share the information we collect abort 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. Sharing Personal Information with Our Corporate Family Our corporate family offers a variety of products and services that can help you manage your finances. In order to provide you with access to these products and servkes, we may share the information we collect about you, as described in Section 1, with other members of our corporate family. These companies include financial service providers that offer credit protection, card servicing and payment processing services. b. Sharing Personal Information with Non-Affiliated Parties for Marketing Purposes We may share the information we collect about you, as described in Section 1, with non-affiliated third parties, including those that accept the Discover Card, in order to provide you with access to products and services offered directly by these eomjsanies that may be of value to you. These compardes include financial service providers, such as insurance companies, and non- financial companies, such as retailers. c. Sharing Personal Irdormation with others We may snare the information we collect about you, as described in section 1, with comparaesthat perform support or marketing services on our behalf, such as maling, market researchn and data processing other financial institutions with which we have joist marketing aegreemertt or companies that are our partners for co•brand credit card programs or, reward programs. We may also care such kdomiation as permitted law. 3, Hon, Do We hated the Confidentiality Security and Integrity of Information about Nbu? We maintain physical electronic and procedural safeguards to protect the information we collect about you. Access to such i forinatlon is restricted to individtials whoneed iitin order toserviceyourAmouhtor provide products and services to you, and who aretrained in the proper handling of such information. limployees who violate these confidentiality requirements are subject to our disciplinary process. Where chid parties provide support seances, 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 inc.. "fete or inaccurate, please write to us at Discover, PO Box 30943, Salt Lake City, UT 841340943 so that we can update this information. 4. Now Can You Umlt Shmig of Information About You? We respect your privacy and offer you choices as to whether we may share information aboutyou with others. You!lave the option totell to not toshare the information we who about you, as described in Section 1, with non- affiliated third parties. You also have the option to tell us not to share the information we collect about you, as described in Section 1, with companies in our corporate far* N you indicate a preference for either of these oprtions please understand that you may not receive offers for products and winces provided by other companies that could help you lower your costs, maximize your financial resources, or manage your finances. To indicate your preferences a racy us at 1.800225-M or write to Discover, PO Box 30961, 5eh take Guy UT 841300961. 9 you have previously notified us aboutyour privacy preferences, it is not necessary to do so again unless you decide to change your preferences. Your written request should include your name, address, telephone number and Account -15- I 70DCMO_0280K-,T122H0210_01363_leacWkdd 17-18 12115104 13705 PM number(s) and should not be sent with any other correspondence. In order to process =not through we require that the request be provided by you directly and not through a third party. You will need to provide us with your preferences for each credit card account you have with us. You may notify us about your preferences at any time. Your request will remain in effect uritB no* us ohewse. We will honor your request and not share this in armation ei% as permitted by law for example, federal caw permits us to dare irdotmatiar about you with consumer reporting agencies, service providers and financial institutions with which we havefointmarketing agreements. N you are a new Cardmember, we will not share any irdormatllon about yon{ except as permitted by law, for thing days after we provide this Poky to you in order to give YOU an opparturdly to inform us about your preferences. If you are an existing member please understand that you may continue to receive marketing offers duectly.from other companies that were already it production prior to the processing of your request listed on the This Privacy Policy provided the ber has the right of notify u s about Account However, any join Card member preferences and we will treat that request as applying to the entire Account We do not share information about farmer customers, except as permitted by law. This notification supersedes ad previously issued Privacy Po6cres. We reserve the right to amend this Privacy Policy from time to time and we will ratify you if we do so. This Privacy Policy is provided to you by Disco vu Bank and its subsidiaries, which currently include GTC Insurance Agency, Inc and Discover Products Inc Unless otherwise specified, it applies to the family of Discover Cards for consumers and the products and services offered it connection with those Cards, i ckiding the Wallet Protection card registration service (with the exception of any information registered in connection with the service, which will not be shared). It is part of your Cardmembe? Agreement and provides a further explanation of how we collect and share information. You may have other rights under state taws that apply to this information. Please note that you will also receive privacy notices for other credit card accounts you have with us, as well as other finaruial products and services provided to you by us and our affiliates, You will need to in&cate your preferences for each of these separably as dsdased in the notice. Vermont Resi "- Your state law requires financial institutions to obtain your consent ono to shoring inforrtation about you with others. Except as permitted bylaw, we %-A not share information we collect about you with non-aff'pated turd parties or companies in our corporate family unless you call us at 14801)- VER it-800.347-260 and authorize is to do so. California Residents-Yourstate law requirm financial istitutonsto obtain your consent C you sharirng infformation about you with non-affiliated thid partes Except as permitted by law, we will not share information we dotlect about you with non-affiliated third parties wide you ate a resident of California. Your &'liing Rights KEEP THIS NOTICE FOR FUTURE USE This notice contains important information about your rights and our responsibilities under the fair Credit Billing Act 1. Notify Us in Case of Errors or QuestomsAbout Your Big if you think your bill is wrong or if you need more information about a transaction on your bill, write us an a separate sheet of paper at the address -16- I rODCMC-02801LT122M0210_0136'$-roOdw*vdd 19-20 listed on your bill for Notice of Billing Errors. Write to us as soon as possible. We must hear from you no later than 60 days after we sent you the first bra on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your lette4 give us the following information: • your name and Account number. • your dollar amount of the suspected error. • describe the error and expiate if you can, why you believe there i an entu If you need more information, describe the item you are not Rare about. N you Five authorized us to pay your credit card bill automatically from yanr savings o ttheclding auourrt you can stop the payment on airy amount you think s wrong To stop the g?art your letter must rears us three business days before the automagc payment its sdxduled to occur. 2 yow Rights and our Responsibr7ities After We Receive Your ww"en Notice we must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the big was correct. After we receive your fetter we cannot try to collect any amount you question or report you as ianquent We can continue to bill you for the amount you question, including finance charges and we can apply any unpaid amount against your Account credit limit You do not have to pay 2, questioned amount while we are investigating, but you are still ated to pay the parts of your bill that are not in question. If we find that we made a mistake on Cr ll, you will not have to pay any finance chw9es related to airy quest brued amount. If we didn't make a mistake, you may have to pay efhnaroedwges,andyouuw'Bhawtomake up any missed payments on the questioned amount In either case, we will semi 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 deGnquerit However, 9 our explanation does rot satisfy you and you write us wiitthhin ten days belling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bilk And we must tell you the name of anyone we reported you to. We must tell anyone we repot you to that the matter has been settled between us when It finally is. 0 we don't follow these rules, we can't collect the first $50 of the questioned amount ever it your big was correct. 3. SpeM Rude 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 stag within too miles of your current mailing address and (b) the purchase price must have been more than $50. These (knitatiats do not apply if we own or operate the merchant or if we mailed you the advertisement for the goods or services. 4 Purchases Made with Checks or trash Advances The special Rule for Credit Card Purchases does not apply to purchases made with a balance transfer check, cash advance or promotional purchase check. Therefore, if you have a problem with the quality of goods or -17- 12r15lo9 1:37:05 PM services that you purchased with a balance transfer check, promotional purchase check, cash advance check or the proceeds of a cash advance, you do not have the right to withhold payment of the amount due. DESCRIPTION OF COVERAGE SCHEDULED AIR TRAVEL ACCIDENT INSURANCE Discoveria Cardirsembers are provided with $500,000 Scheduled Air Travel Accident Insurance* You, your Spare, Domestic Partner or eligible Dependent Children for whom a ticket was purchased on your Card (as defined below) will be automatically Insured against Accidental Loss of Life arising from aril oa on a towered Tnp while you, you Spouse, Domestic Partner a elie Dependent Children for whom a ticket was purchased on you Cardpre riding as a passenger in or enter. exiting or being stick by a Scheduled Aircraft or a conveyance operated ?y a military transport serwce or riding as a patterger in a entering a ewdnngg arty eyance licensed to carrythe pi?li0or a fee and whiletraveling d ealy to or from the airport Immediately preceding the departure of a Scheduled AircraftonwhintheInsured Person haspuuchaw passer andimmediatety following the arrival of a Schedule Aircraft on which thelnstxed Person was pass *Coverage is underwritten by Federal Insurance Comparhy, a member insurer of the Chubb Group Of Insurance Companies. Certain limitations and exclusion apply. PLAN FEATURES THE BENEFITS: The full Benefit Amount (1500,000) is payable for Accidental Loss of Life. The Lott must occur within one year of the Accident (MAXIMUM LUT OF RdSURANCE: if more than one Insured Perim suffers a lass in the same Accident, the Company will not pay more than the maximum limit of insurance ($20,000,00M per Accident. If an Accident results in Benefit Amoumx becomingg payable, which when totaled, exceed the applicable limit of insurance sfrowo above, the maximum Bich of insurance will be divided proportionally among the Insured Pesos, based on eadh applicable Benefit Amount m the event of multiple Accidental deaths per Account arising from any one Accident, the Company's fiabBnty for all such losses will be limited to a m&dman limit of insurance equal to two times the amicable Bersefit Amount for Loss of Life. Benefits will be proportianatdy divided among the insured Persons up to the maximum limit of insurance. DEFINITIONS: AuMmi or Acciderrtal means a sudden, unforeseen and unexpected event happeiimg by chance, and includes unavoidable exposure to elements arisuig from a covered Hazard. Accidental BodBv WunAW means bodily injury which is Accidental, is the direct source of a Loss, is independent of disease, illness or other cause and occurs while this policy is in force. Account means a Card account Benefit Amount means the Loss amount at the time the entire cost of the passenger fare is charged to an Account Qd means the Discover Card. Cam meal the holder of the Card whose name appears on the credit card. Conv means the federal Insurance Company. Covered 7ria meats travel or a Scheduled Aircraft when the entire cost of the passenger fare for such transportation, less redeemable cenificates, vouchers or coupons, has been charged to the Insured Person's Account .18- toDCMq_02BO _TL22H0210 013W_rwder.indd 21.22 Dependent or Children means those children, including adopted children and those children placed for adoption, who are primarily dependent upon the Insured Person for maintenance and support and who are. (1) under the age of 19 and reside with the hsured Person; (2) beyond the age of 19, permanently mentally or physically challenged and incapable of self support or (3) under the age of 25 and classified as fuMme students at an institution of higher learning. Domestic means a person who: (1) is at least 18 years of age and competent nt to enter into a contract; (2) is not related to the Insured Person yyeear blood; prior too) thhas e date of eennrolrived with the lment; (4) b not Insured l least one and (5) as of the date of enrollment, has with the Insumarried red or Person at least two of the following financial arrangements: (a) a joint mortgage or lease; (b) a joint bank account; (d joint title to or ownemtdp of a motor vehicle or status as a joint lessee on a mota vehicle lease; or (d) a joint credit card amotmt with a financial institution. Neither the Insured Person nor the Domestic Partner can be married to, nor in a ciw1 union with, anyone else. Ha ind means the covered circumstances for which this insurance is prodded as stated in Section BI of the Declarations, Hazards, and described in the Hazards form, as described on page 1 of this Description of Insured o means all Cardnembers, their spouses, Domestic Partners and Dependent Children, as well as authorized users of the Account. LM means the Loss of Life. Loss of Jjfg means death, inducing clinical death determined by the local governing medical authorities. means DFS Services LLC, the entity responsible for the payment of premwm. means an aircraft owned and/or operated by a M Airline. Sdhehled Abllrte means an airline which 4 either of United States registry and certified by the United States government to carry passeng on a regularly scheduled basis or of foreign register and approved by the United States government and the appropriate foreign authority. War means hostilities following a declaration of War by a government authority. If there is no declaration of War, then (1) armed, open and continuous hostilities between two countries or (2) armed open and contmubus hostilities between two factions, each in control of territory, or da'mhig jurisdiction over the site of the area of hostility. DISAPPEARANCE BEPEFTTS: If the Insured Person has not been found within one yy?ear of the disappppeearance, stranding, sinking, wrecking or breakdown of ary5dneduled=1rconveyance inwhich the Insured Person was covered as an occupant, it will be assumed subject to all other terms of th>e,pohic% that the Insured Person has suffered Loss of life covered under this poiry. EXPOSURE BENEFITS: Accident includes unavoidable exposure to elements arising from a covered Hazard. EUGIBB.ITY". This i s urance plan Is provided to Insured Persons automatically when the entire cost of the passenger fare(s) on a Scheduled Airline is charged to the Cardmembei's Account while the insurance is effective. It is not necessary for you to notify the Policyholder or the Company when Scheduled Airline tickets are purchased. EFFECTIVE DATES: Your insurance under this insurance plan is effective on the later of: 1) April 1, 2007; or 2) the date you become an eligible Cardmernbet You insurance coverage under this insurance plan will cease -19- 12115M 1:37:06 PM on the earlier of (1) the date the insurance coverage is terminated; or (2) the date you cease to be an eligible Cardmember. COST: This insurance plan Is provided at no additional cost to eligible Insured Persons for Covered Trips. Policyholder pays the full cost of the insurarim THE BO HdAI . The Loss of Life benefit will be paid to the bernefWary designated by you. If no such designation has been made, that benefit will be paid to the first su 1 9 beneficiary in the following order. a) your spouse; b)yourchildren; 0 your pazenis d) your brotfuasand sisters, e) your estate A4 other indLVmnities will be paid to you. If you wish to charsye your beneficlo%you may request a beneficiary designation form by writing to the plan administrator at The Direct Marketng Group Inc-132B Bedford Al+enOe, Omaha, NE 68164 or at Benefidaryrequest?TheOuectMG.con. EXCLUSION This insurance plan does not cover Loss resulting frown (1) an Accident occurring while an Insured Person is in, entering, or oil* 9 arty waft aircraft owned, leased or operated this Policyholder or any owned, leased or operated by an employee of the PoBcyhokler on behalf of ire Pofikyholder (this exclusion "not apply to aircraft dw tered with pilot or crew on one time charter basis), (2) an accident while an Insured Person is in, entering, or exiting arty aircraft while acting or trainiing as a ohlot or crew member (this exclusion does riot apply to passengers who aI trauma, mental or pnysicat Lanes osease, pregrrang. misra?dage, bacterial or viral infection, or bodily malfunctiax Aerial infection caused by an Accident or from Accidental s of a substance contaminated by bacteriak (4) suk'hde, uicide or Loss that Is intentionally self-inflicted; or (A declared d War. CLANA NOTICE: Written claim notice must be given to the Company within 90 days after the occurrence of any Lou covered by this policy or as soon as reasonably possible. Failure to give notice within 90 days will not k whdate or reduce any otherwise valid claim if notice is givers as sown as reasonably possw CLAIM FORMS: When the Company receives notice of a loom, the Company will send you forms for giving proof of Loss to us within 15 days. if you do not receive the forms, you should send the company a written dsscrOon of the Lou. CLAIM PROOF OF LOSS: Complete proof of Lou must be given to Company within 90 days after the date of Low or as soon as reasonably possible. Failure to give complete proof of Loss within these time frames will not invalidate any otherwise valid claim H notices given as soon as reasonably passible and in no event later than one year after the deadline to submn complete proof of loss, CLAIM tVtYAffl4L The Compn well pay you or your beneficiary the appBolhk Benefit Anhonrn wnhnn 60days after coin?t a proof of Lass is rece ived and if you, the Policyholder andior the benefiinary have complied with all the terms of the policy. ARBIM711( tintheeventofadisputeunderthispolicyeithertheCampatry or the Insured Person may make a written demand for arbitration. In that case, the Comp" and the Insured Person will each select an arbitrator. The two arbitrators will seleda third. If they cannot agree within 1S days either the Company or The Insured Person may request that the choice of arbitrator be submitted to the American Arbitration Association. The arbitration will be held in the state of the Insured Person's principal residence. -20- If YOU HAVE ANY CLAIM RELATED QUESTIONS, PLEASE CALL THE CLAIMS SERVICE CENTER AT 1-30XL41MS-0 (1-80a2524670). You can also go to the Company Web site (www.dtubb.com), click on Report a Loss, select Accident Benefits and Life claims, select the appropnate form, print out the daim form, 91 out and mail. You can file a claim by mail or fax. Mailing Address: CHUBB GROUP OF INSURANCE COMPANIES CLAIMS SERVICE CENTER 600 INDEPENDENCE PARKWAY PO BOX 4700 CHESAPEAKE, VA 23327-4700 Fax Number. 1-800-300.2538 As a handy reference guide, please read this and keep it in a safe place with your other insurance documents. This description of coverage is not a contract of insurance but is a summa of the principal provisions of the insurance while in effect Complete cy provisions are contained in the Master Policy, which can be obtain from the Pokyholder: PA-y#9906.1"6 Policy Underwritten By Plan Administrator Federal Insurance Company The Direct Marketing Group, Inc a member insurer of the 13265 Bedford Avenue Chubb Croup of Insurance Companies Omaha, NE 66164 IS Mountain View Road, PO Box 1615 Warren, NI 07061-1651 DESCRIPTION OF COVERAGE SECONDARY RENTAL CAR COLLISION COVERAGE Discovers Cardmembers can benefit from the security and safety offered through Excess Collision Dam3a Waiver. If you rent a vehicle for 31 consecutive days or less (or 45 ys under certain circumstances described below) with your card (as defibelow), you may be eligible for benefits under this coverage. Excess Collisicin Darnage Waives is an insurance program, underwritten by federal Insurance Company Policy 119906.17.63 (the "Policy'). DEFINITIONS: Accou nit means a Card account. Actual Value means the cost to repair or replace the Rented Automobile at the time of loss, less depredation. C? mears the holder of the Card whose name appears on the C,? means the Discover Card Collision Damage means the direct and accidental damage to a Rented Automobile caused by upset or collision with another object. Collision Damage does not include loss causer! by missiles, fAng obiects, fire, theft or larceny, explosion, earthquake, w- storm, hail water, flood, malicious mischief or vandaism, riot or civil commotion. Ct Wit meats the Federal Insurance Compaq Insured means Cadmembers and authorized users of the Account. Pg means DFS Services LLC, the entity responsible for the payment of premium. W the means a commercial automobile rental company licensed under the laws of the applicable jurisdiction. Rested Automobile means a four4weled private passenger type motor vehicle or a minivan manufactured and designed to transport a maximum of seven passengers and used excursively to carry passengers. A Rented -21- I 1000M0_02BOK.TL22H0210_01363_reader.IMd 23-24 12/15109 137.06 PM Automobile must be designed for travel on public roads and rented from Rental Agency. TO GET COVERAGE: • The CoWon Damage Waiver Coverage is provided to you, as an Insured, automatically Wien the entire rental fee for the Rented Automobile is charged or debited to your Amount it is not necessary for you to notify the Company at the time the rental fee's charged or debited to your Account • You must decline the LosslDamage Waiver offered by the vehicle Rental • You ut rent the vehicle in you own name and sign the vehicle rental air ntlmntract • The caNUage period will not exceed 31 consecutive days, or 45 consecutive days if the Insured is an employee of an organization which has provided a Card to the insured for business use. THE KIND OF COVERAGE YOU RECEIVE: in consideration of nits premium paid by the Policyholder as requaed, and subject to all the terms of the Pol' the ny agrees to reimburse on an Actual Cash Value basis either the Insured or the Rental Aye" for repair or replacement of the Rented Auta as a twit of Collision Damage to the Rented Automobile. The Company's liability will be for a maximum reirrbuusemerrt of 525,= in no event will the Company be liable beyond the amounts actually paid by the Insured or the Rental Agency. • If you or an irumed's primary vehicle frrsurance or otter coverage has made payments for a covered loss, Excess Collision Damage Wanner will cover yyoaoru dtducilole and any otltor slip- tile amounts not covered by other Isurance. • This coverage is not allFinxfusive, which means h does not cover such things as person al i ' or personal liability. It does not cover you for any damages to other or property. It does not cover you for any injury to any icy' WHO IS COVERED: • Discover Cardmembers EXCLUDED RENTAL VEHICLES: Off-road, antique or limited edition motor vehicles, truda; recreational vehicles, campers, pidarp trudcs, and mini-btm limited edition motor veipdes or high value, exotic high performance or collector type. H value motor vehicles are motor vehicles vdroe replacement value exceeds 50,x, and == " or vdtides are defined as any vehicle over 25 years old, or any has not been manufactured for 10 years or more. WHEN YOU ARE COVERED: • Coverage applies to vehicles rented anywhere in the world. • Coverage is not available where prohibited by law. WHAT IS NOT COVERED: Coverage does not apply to loss resulting from the following: • Any dishonest, frau or criminal act of the Insured. • forgery by the Insured. • toss due to war or confiscation by authorities. • Loss due to nuclear reaction or radioactive contamination, • The Inured being intoxicated, as defined by the laws of the jurisdiction where the loss occurred, or under the Influence of any narcotic unless prescribed by a p*0dan. • Use of the Rented Automobile to carry passengers and property for hire. • Use of the Rented Automobile by a person other than the one authorized _ 22 . 10DCM0_02BOK_TL22H0210_01363_readrdndd 25.26 to operate the Rented Automobile by the terms of the Rental Agreement. • Coss 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. Oa to, oes unless the loss is cancidert with a covered lost • Use of fire ersted Automobile in tests races or .ascents • The Rusted Automobile being operated or bated in any territory prohUted by the terms of the Rental AgreemM FOR INSIRiEDS WHO ARE NEW YORK STATE RESIDEIM, To the extent that this plan provides insurance agalst damage to a rented motor vehicle, the following terms and condifias ly (1) the period of mssrarsce mirage w8 not exceed 31 consecutive ?or 45 consecutive days? Inured Ran employee cf an organization hasprovided the Card to the Insured for business use; and (2) the im vice provided by this plan will be excess over any other valid and collectibleinsurance covering the Rented Atemobile. However, the insurance provided under this plans may be 'dspecifically provided for under the terms of this plan and 9 the =D alterla 4 met: (a) the Rented Automobile is nested 6 use outside the UnRed States, its territories and possessioM uJ) the ksured is an employee of an organization which has "Wed the Card to the Insured for business WC and Q the Wed Automobile is rented without a driver. HOMY TO ME A CLAIM UNDER EXCESS COLLISION DAMAGE WAIVER In the event of a claim, written or verbal notice must be provided as soon as reasonably possible. IF YOU HAVE ANY CLAIM RELATED QUESTIONS, PLE4SE CALL THE CLAIMS S17LUICE CENTER AT f-80aClAMW (1-8042524676). You cm also go to the Company Web site (wwwAwbbcom) dxk an Report a ut tthselect Aoddent; Benefits eclaimbmfNout utanddmailUle Youanfselectthe appropriate ile aclam by mail or fax.t out Mailing Address; CHUSB GROUP OF NSURANCE COMPANIES CLAIMS SERVICE CENTER 600 INDEPENDENCE PARKWAY PO BOX 4700 CHESAPEAKE, VA 233274700 fax Number. 1-100-30D.2538 CLARK PROCEDURE: The kwed must send the Company written notice of a daim, including the IstuedY name and Policy number, within 90 days after a covered loss occurs. If notice cannot be given within that time it no be givers as stem as reasoror poWble. To file a sworn Proof of Lo% the Isured must send the following Information to the Company or its authorized representative: • A copy of the Account statement showing the automobile rental transaction, • A copy of the automobile rental agreement. • A copy of the police report • AM of the Mal claim report submitted to the automobile Rental Agency, • A copy of the paid claim presented by the automobile Rental Agency for the CAsion Damage for which the ksured is responsible. • Proof of submission of the loss to, and the results of any settlement or denial by the applicable insurance carriers? • o? other ante is applicable, a notarized stmement from the Insured the effect. -23- 12r15M9 1:37:06 PM Reminder: Please refer to the insurance Disclosures section. INSURANCE DISCLOSURES As a handy reference guide, please read this doaanert and keep it in a safe riot a contract coof insratce but ism simply an This Summary of informative statement to to eligible Insureds of the principal provisions of the insurance while in effect Complete provisions pertaining to the plan of Insurance are contained in the master polity on fir with DFS Services Ii herein referred to as the Policyholder. If a staternent in this Summary of Coverage and any provision in the policy differ, the poky will govern. Pokey Underwritten By Plan Administrator Federal Insurance C yy ("Company") The Direct Marketing Group, Inc. a memberthe 13265 Bedford Avenue Chubb Group Mountain Yew Road, Insurance Companies Omaha, NE 68164 PO Box 1615 15 Warren, N107051-1651 Master Policy Number 9906-17.63 Effective date of benefftsr Effective April 1, 2007, this guide replaces all prior disclosures proo??am dewiptiom, advertising, ari brochures by any party. Pokcyholder and Company reserve the right to change the benefits and features of these program at any Cum Ca cellatiorn 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 addvance. If the C terminates, caricels, or chooses not to renew the coverage to Polfc o era you will be notified as soon as is practicable, Insurance benefitswillstill forany benefits you were eligible for prior to the date of such t cancellation, or non-renewal, subject to the terms and conditions of coverage. on" to yore These benefits apply only to Cardmembers whose cards are Issued by US financial Institutions. The United States is defined as the so United States, the District of Columbia, American Samoa, Puerto li Guam and the U.S. Virgin islands. No person or entity other than the Cardmember shall have any legal or equitable right remedy, or claim for insurance proceeds andlor damages under or arising out of this coverage. These benefits do not if Card privileees have been cancelled. However, insurance benvIwrAifi apply fair arrylhenefit you were eligible for prior to the date that your Account k suspended or cancelled subject to the terms and conditions of coverage of your Cardkmember Agreement. Thmsfer of rights or benefits No rights or benefits provided under these insurance benefits may be assigned without the prior written consent of the Company. Misrepresentation and Roo Coverage of the Insured will be void if, at any time, the Insured has concealed or misrepresented any material fact or circumstance concerning this coverage or the subject thereof or the interest of the Insured herein, or in case of any fraud or false swearing by the Insured relating thereto. Coverage for an Insured will be void 4, whether before or after a loss, the Policyholder or its subscribing organization(s) has concealed or misrepresented any material fact or circumstance concerning this coverage or the subject thereof or the interest of the Insured therein, or in case of any fraud or false swearing by the Policyholder or its subscribing organization(s) relating hereto. _24- Addition of New Insureds: All eligible persons will be automatically insured under this Policy. Examination Under Oath: It is a condition of this insurance that the Insured and the Policyholder, as often as may be reasonably required by the Cam will submit, and within its power cause otters to submit to examinations under oath and will produce for examination all writings, books of account, bills, invoices and other vouchers, or certified copies thereof if originals are lost, at such reasonable time and place as may be designated by the Company or its representative, and will permit extracts and copies thereof to be made. No such examination under oath, examination of documents or any other act of the Corrpanjt its employees or represeruatfves in cormectiorh with the irivestigaRlort of arty era or " m will be deemed a waiver of any defense and succhh acs sha8 be deemed to have been made or done without prejudice to the Compano Bal ility. No Benefit to Cithers This coverage will in no way inure directly or indirectly to the benefit of any insurer, person or organization or other bailee. Subrogation it is a condition of this insurance that if the Company paysthe Insured for a loss, it will require the Insured to assign and transfer any claim or rkjk of action against any individual, firm or corpooratim for such loss to the Company or Wingate or hold in trust all such rights to the extent of the amount paid. The Insured wi8 agree to take action as requested by the Company to enforce such righu Upon payment by the Coinpsny to the Inure the Insured agrees to direct enforcement of suds rights as reasonably requested by the Company and to return to the Company any recovery to the extent payme.1, of loss has been made by the Company. Arbitration: In the event of a dkpuute ruder this poll i either the Company or the insured may make a written demand for arbitration. In that case, the Company and the Insured wig each select an arbitrator The two arbitrators will select a thud If they cannot agree within 15 days, either the Company or On Insured may request that the choke of arbitrator be submitted to the Arerican Arbitration Association. The arbitration will be held in the state of the Isured's principal residence. GLOBAL TRAVELER'S HOTLINE TERMS AND CONDITIONS The Global Traveler's Nadine provides Cardmernbers and their fan»7ies a wide range of free travel assistance benefits it is operated by AXA Assistance USA, Inc. Visit Discovercard comltravel to leans more. Efigd>7itx You must be a Cardmernber 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. ThInWarty Charges. Global Traveler's Hotline a not Insurance, so you will be responsible for all thud-parry, fees and expenses for services requested such as professional or medical fees. Availability of Services. Certain services may not be available in all areas. Cal us at t-800,0ISCOYER 0AX)-347-2663) for assistance or if you have questions about a specific destination. Outside the U.S., call us collect at t-801-M2 310D. While AXA Assistance will make every reasonable effort to provide the services, neither AXA Assistance nor Discover Bank or our respective affiliates will be liable if a service is not provided or for any services that are provided by third parties. The services and these terms and conditions are subject to change without notice. 25 - tODCMO_02BQK_T122HO210_01363_reader.i dd 27.28 1211" 137A7 PM I DISC New Balance Minimum Payment Due Account Number ending in 4210 -iVER $3,628.57 $73.00 Enter Amount Enclosed Below Payment Due Date $ May 30, 2008 Please make check payable to Discover Cord or pay online 0 Discovercard.com. 04 SOS146AD1 0001605 Go papedess and make your aotwrnt ELIZABETH YEATTER information more secure wifhpassword MOBILE EST protected statements only you can access. 221 SHIPPENSBURG earn more at discover..cadpaperfess. SHIPPENSBURG PA 17257-9521 PO BOX 71084 111 11111411rll111111 rnI rilrn) CHARLOTTE NC 28771272-1084 1 1 Address, e-mail or telephone change' , Print change in snoce la nhFllr?rrii ilrlrthi?s?rrrhlj?rrritr?rr)rrllhrfn.lrh?rlnri) above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986455381247552036285700000000007300 Discover More Card Account Summary Casing Date: May 4, 2008 page I of I Account number ending in 4210 Previous Balance $0.00 Payment Due Date May 30, 2008 Poyrnerds And Credits 0.00 Minimum Payment Due $73.00 Purchases + 0.00 Credit limit $3,700.00 Cash Advances + 0.00 Credit Available $71.00 Balance Transfers + 3,515.01,' Cash Credit Limt $400.00 Fiance Charges + 113.57 Cash Credit Available $71,00 New Balance $3,628.57 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cash6xk Sonuse Opening Coshback Bonus Balance $ 17.00 New Cashback Bonus This Period + 0.00 Cashbadc Bonus Balance $ 0.00 Gashback-Bonus-Anniversary- Month: April Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R). How Can We Help You? 1 Visit Disceiver.com to pay yoar bin for no cost view your West Account information, earn and redeem rewards. and more It's your choice - 3 ways to help 2. Call I.800•DISCOVER (347-2683) for fast, easy 341service 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. e ` a lt s D Da Bakmce Transfers Apr 14 Apr 14 SEARS XXXXXXXXXXXX083AIA OH $ 3,515.00 APR 3.90% EXPIRES 01 /2012 Apr 14 Apr 14 BAL TRANS TRANSACTION FEE FINANCE CHARGE 105.45 Information For You * ATTENTION * * Please note that your Payment Due Date has changed. Please pay the Minimum Payment Due by this date to avoid a late fee. jk&jM Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daly Periodic PERCENTAGE PERCENTAGE FINANCE I' ANCE rh a Rolm RATES RATES CHARGES CHARGES current billing period: 31 cloys Purchases $0 0.03833% 13.99% F 13.99% $0 $0 Cosh Advances $0 0.06573% 23.99% F 23.99% $0 $0 Balance Transfers $2455.18 0.01068% 3.90% F 38.77X, $8.12 $105.45 This oleo tact apply to your Account are either fixed (F) or they may vary M as noted above. 1mpo4M bddtareliom. t them is more then as crepe To This billing stdemeM see lobed of each pope ter additional tapered rdomhaticm. a U) See your CaibaanberAgmerank Your Cmdmeaibw Agreement arom alto team of ynuAcoo nt. z Loa or WAS rarda.h inanhediately! pet t8DD317.2683. o Biding RVftSumamy.in Casaof Errors orQues>;dnAbwtYaur88:0youtlrNCTicwb7'erring,alyouneed momtt+famatiata6oNatreasad?onmyarbil,vmleseuson a Wemust bear from you nofewtan60daysdervasent youtbebslbinw as soon aspossible UT84130-0421 Sell Lake Cit l ld dD' PO Box 30421 k w o o , . y. peper row . sepwa sa ee . which the enora problem appeared You. can Telephone us, Tod doing somill not preserve your ngW. to your lees, give us the Owing inbmration: o Yahr name amdAwaet number. -The delaramaaddrie suspected error • Describe is tm and oom, i ygu can, whyyou.bekeve rise is meow b you wed more inlomislon, describe the ilea you are crate abort You dorol hove bpayany amuw inq wsionuW we ore W4%6psirg, bd yon ere $0014gded b pay the pads d your bl fret are rat n question: Wh7ewe kwosigeta ycu question, wecsnotsepatyou as delinquent or take enyeC4mn to collect the mwvwunl ;you question. Special 1A*hrCredltCad Purdwes:ll you here a problem wdh do *a* of gv a: a services Ohl you pradosed wish a credit cad, and you here hied i+good fled h b cored the probfemwilh the madmd, you may nit haver to pay Ohe remaining smart due on he goods or vortices. Yctu have this protection wily vdherh rim purchase pdoervm more am 550 and to purchweawac made n yourhwae stele a within Moles olyo r m93rg &M s s PT we owe aopeeTe the merchant, oriTwe mailed you the edrdtCdneal br the goods or services, d pudeees aeomraed negerdeas drie secure «batxn of pdrehese.) Pfl merAs-Seadodyyeurpsymentandthebppafmdthis datemmtin8eearebpeproWed.OPnorsend rash.Bysendngyour check asdescribed above,youwilbolteusto use idomaeson m yea dad b erel eon atectrorhic fund teraTer from youaooohrt d ore ihhen anl:apU arh ahdaled en par dredka b process to payment as a dock troraactiah tpe rnentispaassad soon efeetromchad owider, He transferwillbe for the amoad on the cheek rhea was lee inbmielea true your dock b make an deraonc fund h8meler, leadsnaybewilhdewnhemya raccoudassm asThesansdaywemoeiueyourpayrhentandyouwill nittwelve your dadhairleanyour financial itsikteon, Thepwoesssrgolyourpeynewa"bedelayed dyousend cask oamspondenoeaotherftoswihyour payment. 7yousend thepurnentbonyother a emsatyouusean envelope other tam ITS one prowled. Paydmisreealced in proper form d ar.prporsssaig faciN br SPM.bcalpme on any day will be ardted To yourAoooud ass 60 day,Payrnentst raawveddpspeastir-b c tyds5PMfoodtimewibeefedfadbyowkoo ntasof iremexldiry.Bjwhave paraaekhpe,sendYourpopeactb06niwver.POBox 6103. Card Sbeaau 7.60197.6103. Please allow 7-10 days ter delivery. It your payamht Is rewmed unpad, we reserve to right b resubmie t as an dec n iedairk You can payyourmni"M payinwit as grealerammaht over *0 felepbdie, and you can sit rep aAOroicpsyaarts. Cal us d 1800.347 2683. You W need ttsddernent ardyoa bank aoomAmollamafoa You aeSt ensure Tot stooped ludcamwaiable n yowhatk accost arhd all transactions tent comply'vd h 1f.S. Ww. You VA be asked bprmvids OTe fast 5 (kb of Your socerrt atdemetd zip code. By entering riDae mwnbersas your elegrmicsigrat re. you will be agreeing To this autlarkation to slow in and yourbadeb deduct each peprhentyottatrtarnzekomyour bankxxAW, and To innate demo( Cle6lwtrieslo you bank Sowed, as applicable, b oohed en em in" proassirgoisuc hpaymer t. You aest ten uste artautdnerhpaprmn, a youanseled an amoatsudt as The krrimum Paytrmt Die or the New Bdarhae on eedhsbfdnatt Yaran caad apap nK howevarwe mat receive wobeallaad tree business days ire advance cgs scheduled payamnt. You navy notify us by phone 411.800.317-2683 or by mad at the addea6kd into previous petaguph.Tyourpaymedsmeyvary namount, wewilyTelyouoneachMon" stdament when ymdpapontwibemade andhowmuckiwill be.YoutAub"W iepaymentaward maybe less tan in6Wedon the mammy sleteatedbased on creditr apaymertsappked during the I nhg cycle. Clem Reportag. We mhsy repot i formeim about your etxaat b credo tasaaks Late payments, missed polymers, *rather ddaulls ore yo uraomum may beadbped in youraedl repay.Weramn/yepMthed ardpayrrhem -ixyofyorAcconltooedereportingagerhaeseschmorO.llyoubekevedetourreportsnaaaaate «inco" se. please, wrNe us d far following address: Discoliev, P08oa 153116. Aikirhptw. DE 198505315. Please include your name. address. home Telephone ttw4w eon Aaomapower. PER WFRUNCECHAR6E5.PeriodefiarmChargesaaimposedonalm kamttedale totarsadionispostal byour Account until lhedale youpayyour emie ooda o.and flewBekrew.byrwkigpsymenisormool"aedis.hbweva,tyoupaid OreNewEdanceonyour previousbitingstetemetby*4PeynherdDwOakshoweant ? first d on now purchases, dud k Oue Dale an your owed pay dre New Balance T t On w pur on t chases. hee ce POW • you IPA receive a Wig slatenerill next month the includes Penodici'mence Gammlit?mldd. t Cat gra a l to is no grew penadoabala cell berates or cash advances Wa eat yon trio eKbom itognanpad pudtasea. ash e&xas, and balance Transfers wid then kadw sat the trarsectiors yAl n each group by tloiArrrel Perartago Rena. For .Weelerbtleeell?a:trasactromtabpaies At theendd etaaPlt.purdamastbjestbaptarMWM(ITS andpurchases; sub)edJosstandard us*wandbeseparate groups each blippaiod,wacompt ebalancesandPeradeFkmoaChargesfarseadaydThebilingperiodbreachbarsatatategdp.Weusetheblowingegkrtimbow" PaiodcFrmmme Charges breach barsecoatcdegay. Average Daly 8darce a mob" of days n the ImTng period a DalyPwiodre Rate. jYou maymbir bta titre doge hxrmrary en yeurltiing dalemert for Oheseamaeats) Thence add upihe Pnmiodc Faarx Clhages breach tretsactancategay bgd The bid Pahodo Fihacoa Chagas fa par AceoetL TheAvenge, Daly8show, a slaws as zero if, because of the grace period. ca ,%KAc Fmsmoe Charges apply b rte baton it a kasactim c armory. We use *MAvaege Defy Balance{iuryudrhg new trasedrons) metal of cdaiar_; *.a ta'anre upooAticit w impose Periodic France Charges. We compd. tsAverege Daly Balance foreach transectimcall" bystiftupatt+edaeyhstmreshabilling aef dfoatransactionalegoryaddsidrgisTotal byisnanbaofdeyanthebilling cycle. We compete tedatybdarneforeadh aasamon alegorym esdt day by rest ad6ng the filothfrg to Ore previous days Asiybdence: transaction made bddag foes charged fret day real PeriorfeFift Charges accrued onOsprevious derodaily balance:andbyOven!iutecinganyaa4bandpayments Oafamapplied against isbaton diretramacion cdegayonToday[bcalculating tadaily bnhllabtloTied daydOefAfirgpwod,weconsider In*Iaviowdcyabalance To have bowyoutidenceforeschpnsection edapay or Ina lealtbyd yourprevnous bixng period. t a trensactroen a pusTed to yoaAcowhs akaOe dame otUsbifrg period n whidr i coats, wevri fedlhetmssactiorh ffi haw irgo- , onthelistdaydthebilingperiod swhichiisposbdbyotrAOcourt AI leas ao?pp W we added To no shrhdad pudhae aasaclon category walk the exception of CmsbM- Transaction Fee Finance Charges im ioh ere added b the epplpabE?9lh?saden c magoy and Bakon Transfer Transaction Fee Fxkances GAergaawhirhae added a The eppicablebalegoe trasfertensadiom atsgory. Wbm special Katadara4eezp?ee,wemtwstourpeidbdenrceBriebalencetransferandOn8sdmotTwslerTmrsec6ahFeeFxwmChagasbOted$,drdpuchase transaction _ admMMoviever,ifthespecial rate lasbeen lm edudatsOdadRatePYgwekavelstahpaidbelance dtsbalance Transfer adtoBehoceTras!aTram, action, FeeFnace,Om sntsapplicabM ab"willtehpecialmiewoufdhamexpied. For TW (ktecaremff&Adoro Device for the Owd) a sielatce, pleurae call 1MO-347-7419. giswver aeyraoniiarardfa re0ad tefrphare rxlebebreerr you and Discover reaeserdasves to gmaray assoanoa PrposeC The DiscovW card is issued by Discover flank. Member FDIC. 01TOK170 New Balance Minimum Payment Due Account Number ending in 4210 DISC Y E R $3,540.48 $71.00 Enter Amount Enclosed Below Payment Due Date $ F I Jame 29, 2008 please make check payable to Discover Card or pay anRne @ Dixovermrl.com. 04 SDSN6AOt 0001606 ELIZABETH YEATTER account more secure w9h p%word- MO B I L E EST sited statements only you can access. 221 SHIPPENSBURG eammoreatdiscover..coWpaperless. SHIPPENSBURG PA 17257-9521 PO BOX 71084 ll(ruf)rtt?isua(nl?rlrai CHARLOTTE NC 28272-1084 Address, a moil or felaphone change? Print ehaarge in space (rr?fi,fr?tff?r(??nr7rr?r?tnri??(rrilrr?rrltnlt+.itr11,1till] l obeVe, of go to Dhcovet,com. Print your e-mail address Jo receive important Account information and special offers- 000001986455381247552035404800100000807100 Discover More Card Account Summary Closing Date: June 4, 2008 page t of 1 Account number ending in 4210 Previous Balance $3,628.57 Payment Due Date Jena 29. 2008 Payments And Credits 100.00 Minimum Payment Due $71.00 Purchases + 0.00 Credit Limit $3,700.00 Cash Advances + 0.00 Credit Available $159.00 Balance Transfers + 0.00 Cash Credit Limit $400.00 Finance Charges + 11.91 Cash Credit Available $159.00 New Balance = $3,540.48 You may be oble to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Cashback Bonus@ Anniversary Month: April Keep building your rewards with every purchase. Start redeeming once you reach $20 Coshbock Borrus(R). Opening Coshback Bonus Balance $ 0.00 New Cash6ack Bonus This Period + 000 Cashback Bonus Balance $ 0.00 1 Visit Discovercorn to pay your bill for no cost, view your How Can We Help You? . latest Account information, earn and redeem rewards and more it's your choice - 3 ways to help 2- Cog 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 For TDD (assistance for hearing hn'i? e reverse side . Write us of Discover Card, PO Box 30943, P°? se Salt take City, UT 84130 Transactions $0 Fraud Liability- Guarantee Use your Discover Card with confidence- Dale Post Date Paymmds and Credits May 26 May 26 PAYMENT THANK YOU $ 100.00 Finance Charge Summary Nominal Transaction 8858290 Average Daily ANIMAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FMANC E RNANCE Babnces Rates RATES RATES CHARD S CHARGES current baling period: 31 days Purchases $u 0.03833% 13.99% F 1199% $0 $0 Cash Advances $0 0.06573% 23.99% F 23.99% $0 $0 Balance Transfers $3602.09 0.01068% 3.907. F 3.90% $11.91 $0 previous billing period: 31 days Purchases $0 0.03833% 13.99% F 13.99% $0 none The rates that apply to your Account are either fixed (F) or they may vary M as noted above- Choose a payment due date that's convenient for you. Managing your payments online puts you In complete com"A of how and when you pay your Discover Card. Log in or register today at D-hscover.com/marm9epayments add4ane imponant rlomnakon. Imporbad Intonnatita BHherais more than one page b this 6dbgsWemrmI. see Ow beds leach page for See your Cavdins"wAgaementYour Cardmai berAgreartnamntaksdtoter sdyawAcoouf. Lost or doles cords. Report mvwr*tetys Ca61.800-317-2683. BWi g fYnghtsUwe". in Case at Esnas orOuesW sAbotA Your BA: 0 you birds your bill isvaong, at Ayou need nwei fonnaloeabaa a transaction an yoarbil, w cite to us an a separate sheaf d papral D6wwf. PO Ow 30421, $isk fake City, UT 841340421. as soon as pons bla. Wa must beer from you no baw Than 60 days a%w vie sent you ere fast bill on which iw er ororprabkm appeared You an klephons us, but doing so will not preserve your rights, In yaw letter. gwie us the b9owag inforrnaion: • Yaw now and Aowud mwdw. The dolwsmowtdfie suspected error Describe the emor end exploit, it you cat why youbebeeve drere is an error. If you need more infonnafoa, describe theilaw you are unsure abrYA You do trot have b pay ayarroo inquesika WA* we we Imas6gdrtg.lxA you are sill obigaied to pay be park of yea bill #0 we not in question. While visa imres6pie your question. we cannot repot you as delinquent or %M rry action to mied in arnowA you question. Special Rub for Credit Card Purchases; 0you bare a ptMemwRt due qualt of goods or servicestlui you pwdtased with a credit card, and you have tried n9wd faith b coned ate pmbbm v OIM nwmhent 1ou mayfo have bpey the ranariwg ono w due on the goods aswAces. You have dfs pntection or*y vvbm im pudm sm price was more ban $W and bapurdrose vaasmaGe inyaa tome swervi" 109mbs d year mabg address. (Owe own a opefetethe mdctawk a t we mated you the adverlsemed lathe goods or sermm,atpudanmweowmmdmgadessci taamowaabcobmdptadwse.) Pvjnm s. Send o*yourpayment andtolopporsmdddsstatementntheenvelopeprovided.D0rotsendrashByserrdngyawdtedasdesabedabove,you whores usb use inlouroiort m yea dtedt b aw la andeaorrlefiatd bartsler k0nt your ecmmt a the irraneiel xahkNOn rr6aled m yowdredr a b process the paymnt as a dwxk transaction. if payment is processed as an ekctraicAmd taaslet One uwkdef Mil be for theamouN on rile deeds. When we use idrrnatitn framyow clack to make an ebcswac hmd transfer, fads may bew"ewwbornyouracccantassoon asthesame daywemaewyawpaymeal.endywvMnotreceive yaadodback komyawbwarcalinsgivil n. The pacessinii dyarp.yeaexrybe delayed dyw send cob, oonesPondexx or odd Nero *your peymeK A you send die paymot to any Was addrasordyouese an erwelopeeArr erne tine one provided. PaywtaMS received n prop?lamataw processxtg fsa7gyby3P4d ktcaf fax m atyday rap lx needled b yaaAaxxnl as d tkat day Payments 4itiivedaawprocessigbd4lfakr"local faaewilbeaediledbymAcooudasofmt re envelope. aende coo efilbDiscover,POBdx 6103. Card Stream. K 60197.6103. Please dow T-10days for "my. I yawpayment You can psyywr rainnaan psymad a e yaalramount err the letaphone, bw**oomaAwdomm& e. You mat encorebetsACOAMaisarcaveiebie 5 digits d your aceoaA siunkanaA xp code. Byald;tg awaeaw tree as n Iepus(kesmasddeechp&'pa orymcansebdanaso ntoxhastheA4awmanPayneadMoabe ew on mattstai re rtotico elasst twee busktess daysn ad encedinesdredtded payment Younmynotify esbypf a Smda ? paragraph gym painvards meyvarg n smotrd, wowd kg you on each Aw"stdementwhan yo r palmnaA be may be less that indicated an ire martldy stetemedbasedon weft or payments applied dtxiwg the biting cycle. wig be. Yoe Aulomak payment amormt CredtRe "ftwere.ympati*mwmgoutyrxwaw Wbaeah ms Late payments. missed percent$,orOwdefads onyouaomam maybereMdedoyowcredit repcrtwenomtaiymportO*Musand Ifk"OfyaaAoooWtocredo mpm*gagenoeseacbmo4.Oywbefaveitatourreport isnaoaweleorinco;lele,please write us a iebow" address: Discover.PO 15316 Wdrmgton. DE 198545316 Please include you name . address : berme telephone rw 4w andAemwd munbet PERIODIC FMARCE CHARGES. Periodic Finance Chagas we imposed an d uavsadims from the date be bansedim is posted b YMAaouxt cod the date you pay yea ware New Beira-, by mekng pay -ft.a teaelairgaseMs.lbvveva, dyou pad the New Balance on yaw previoa bdrg staaneAby ire Payment Due Dab Om m on *W statement, and you pay the New Balawe by I* Payment Due Data an yawavert b&V M*me t. we will ect wVose Periodic Firameawlieson new Ixwthases, tree is. pwdma lest appearing on ire award slalemini. We CO Oft Ow gram petiod.Oriawise, you wig receive a biting statement nerd motah tat ifdtdes Paiodc Frame, Charges on time new pwchases. There is no grace periodon beterra kaosbrs a cosh advances. t,hb*7wp kwnce Clargesta eadn tnuuectioneebgonycAVerage Day 8alrwex number d drops n the tniiatg perod x tysiy Periodre Rate. {You may refs b the frnrrce ndrrge Mocts" ouTheAvaagejr8afatoeasMamasiarod ddtlia?gaceperiodFttPeitodwFiatoegwrgasappiysoybdataenea Chugea4oyaw WenaetarAvaageDalyBdres(et4nmdag.nvwltarsectOms?metwdpfpakWa ethebelemeupon OkttweOwskPpgw1cFinanraCharges.wawmptde#wAwgra9eDaly fTatrbe foreach transaction category by addng up ail one daily balances in a biting per od for a ttsm acem aAegayrsoddmdiginetaai by the mamba ddgs n fie bdfng cycle. We mm *fwrdefybalaceforeach trensocimcWgogonach daybyfirstaddlethefobamgbthepreviousdaysdaily belsma:trasaa+onsmadedwftfeesdwgalOwtday ad Periodic Femmes Chuges o=oW mthe p vyamdafsdaty babnw.w4by dim a"rxing agr aedk and payments the are applied all" the balance dthe transaction categoy an two day. InalalNkg thedaty I>afamoa fa In fig day of the b*g period. weconsider the'pmvbn day's batence- to love been your beano for each transaction atemart is lee daydyour prsvious biting period. Ha katwtew is posted to yawAomurd after the dose of be biting period n wiich it ocaxs, we will iatat the transaction as hav inga cured on IM first day of to bi%re period in w"M aposled to yotaAo=mt. Jllfee ??VVOoOoOanNadNoadded blbesladadpwchasetransaclmcolegory vMOweceptmdCash Advono- TrasacimfeeFrance Charges wlidtaeadded tothe egi?AdM.MctimategayadBeenceTraretarTransadiomFeeFkwwaChageswhichereaddedbtheoppic"babrwatramfera, --ia,ategay!What e speojebe4rneeisrsbr rateeagries. aemoae ere urpsid babwed the balance Nasferard thetleawe Transfer Tramseoim Fee Frame Cturges b to standard ptxdwse trate»c6aecategory. ibwever, H`tnsrpeclel reelnasbean brrairuAedwrier the 0eb1$ Rate'Piat we lnwue tnetap?d baance dthe baance tmasfer ardfine 13etatoe Transbr Trarns• action Fee Finawe purges in the eppiceble5anaec5on rategaymN b e special nee weld haveespaed. For TDD (TelecasrwnmAtatwn Device iorthe Dean assistance, pleas* call i-fl"7-740. Diw.mwmayawrilor sofa record bloomm catabetween you and Dkmva repuesmtafresfor gwktyaswa+ce pwpases- The Dicam' and k isaned.by D'smwr Bark kdnnber FDIC. and you can setup a tomak payments. Cal as a 1-000347.2683. You vwA need do eetenwrA and Year in yowbadtawowrt end at trmsacbow wA t comply wilt U.S. bar. You wiI Ea askedb iao" One W electrode sgmakaa. you rod be agraeing b f isalAaaasrat b allow a and yaw Nettle de" each Ponies to yaw bank acccent, as appX", to crxttvlan ewor iri ft processing of mcirpeymeni. You manse N Balance eadnsislemant.Youcencawdapsym rthoweverwe 01TBK170 New Balance Minimum Payment Due Account Number ending in 4210 DISC AVER $3,881:22 $70.00 Enter Amount Enclosed Below Payment Due Date Juy 30, 2008 Please make check payable w Dfxaver card of pay onlirne Discavercardlxom_ oa SDSrJWWt 0001607 Go paperless and make your account ELIZABETH YEATTER information more secure wAhpassword MOBILE EST protected statements only you can access. 221 SHIPPENSB€1RG Leammore atdiscovercomlpaperiess. SHIPPENSBURG PA 17257-9521 11 PO BOX 71064 1111111 lot 111st:nIl fuJrs)r!) CHARLOTTE NC 28272-10184 II Address, maid or lelepbone thongs? Print chonSe in :pace 11111111r1Rr11111rr11r I Iiit till] nn)u)rriu)lrnlula r)r lrrli above, or go to Ciscover.corn_ !Tint your e-mail address to receive important Account information and special offers. 00000198b455381247552034812200075000007000 Discover More Card Account Summary dosing Date: July 4, 2008 page 1 of 1 Account number ending in A210 Previous Balance $3,540.48 Payment Due Date July 30, 2008 Payments And Credits 75.00 Minimum Payment Due $70.00 Purchases + 4.43 Credit limit $3,700.00 Cash Advances + 0.00 Credit Available $218.00 Balance Transfers + 0.00 Cash Credit limit $400.00 Finance Cl-9ss + 11.31 Cash Credit Available $218.00 New Balance = $3,481.22 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Banuse Opening Coshback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.01 Cashback Bonus Balance $ 0.01 Cashback BommO-Anniversary- Morrth: April Keep building your rewords with every purchase. Start redeeming ante you reach $20 Cashbock Bonus(R). How Can We Help You? 1 Visit Discover com to pay your bO for no cost, view t tesi Account information, earn and redeem n.ward turd mare Ctrs your choice - 3 ways to help 2. Coll 1.8004)ISCOVER (347-2683) for Gast, easy u service A t M S i ccoun anager erv ce options or to speak with a Customer Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sat €oke City, UT 84130 Transactions $0 Fraud €Jability Guarantee Use your Discover Card with confidence. Trans. Past Date Date Payments and Credits Jun 26 Jun 26 PAYMENT THANK YOU $ -75.00 Merchandise/Retail Jun 17 Jun 17 DOLRTREE 2700027466868 SHIPPENSBURG PA 4.43 amen" lM Charge Summary A A ansadan F Av"e pa NNU L A ANNUAL Periodic ee te P COGAGE PE? AGE FINANCE FINANCE Boldinre TES ? - current billing period: 30 days Purchases $2.67 0.03833% 13.99% F 13.99% $0.03 $0 Cash Advances $0 0.06573% 23.99% F 23.99% $0 $0 Balance Transfers $3523,43 0.01068% 3.90% F 3.90% $11.28 $0 The rates that apply to your Account are either fixed (F) or they may vary (1n as noted above Fall fashions bre?a?kirg the bankf Shop back4o-school sales through our exclusive on6w shopping site ShopDiscoverl Earn 5% to 207: Coshback Bonus(R) rd your favorite online retailers like Gap,.ICParwwy, KoWs and marry more. Visit Discover.com/Shop today! hap~ frdamatbs.I there is morethen am page to this WN stelerrvml, sea the bads of each page for additional important idormat". Sea yaw CandaemberAgneeaKM.Your CardmemberAgrewaerd oadaks at erne terms of yaxAcco nl Lost arst 1. chuda. Report aarradistetyl Cat 1.8043474683. Bllfrrg INglw Summary. to Case of Entire aQuestions Abad Your BB I you tarot your bib a vxahg, or d you need more inbnnaticr above a barwedionah your bi.wMe to us on a sepralesbeet of paper at Discover, PO Box 30421, Sat LAC Cty, UT 81130-0421, as soon as possible. We must hear from you no later than 60 days aller we sent you the bstbill on whiff toerav orprobkmappeered. You can Mephomhew. W dory sown not preserve your t#ft In yoaletter, give us the Iotowng intom urton: Yeurnsreisdkccunl number. Theddkr amount of loo suspected aver • Desabe to error and eosin. I you an. why you behave theca is an error. I you need more Wonma6m, describe the item you are unsure abaA. Yo rdaaot hevefo pay a" smourd in question M& we am investipeft buf you we stillobligated to pay the parts of your bill that mod in question . WHe ve ihhvesfigab yhor quasbon, we cannot report you as deirpuerdortake erryardorh b uxhkd the arno rg you ques4w. Spedd Rork forceedli Cud Pordraw:Iyoubave a problem wibn the WA* oloaodsor services M you purchased with a aedd mod, and you have bied n good faith b corred ding 46 to mvdhmerchant, you may no have to pay the mman irg amoum due cn the goods or seMces. You have this protection ordy when the pudrasa price was more than $50 and this purchase was made in you home seek or **an 100 miles of you madng add css. (If we own or operate the merchant, or Iwe mailed you the aduefisemam for the goods or senek", at pudsses weowered regerAea5a( the amoud or location of phrchase.I Pay- rgvb. send 0* your paymem and the left pmon of to statement n the envelope pmvided.00 not send cash. By sodig yon check as described above, you authorize us to use infannA, on yorrdnedc to make an electronic: had randier from you scooudat to burial insMubon inflated an yo rchedr or to process the payment ass tiled( transaction. 9 payment is processed as an ekcbo* fad kandet foe transfer will he be the mount mike check When vie use idomheton from your dheck b make an eleceoric fund transser. lu dsmay be wibadivvn from you scout as soon as the acme day we receive your paysaerd, and you will not receive your died bad from you bwWW nW1Am. TheprocessegofyourpaysherdmaybedelsyM0yousend casts,eorespordeneeaurherke swithlourpeonerd,IYousendthepaymemMarynewaddressatIyouusean andopeobsa then the ona pswided. Psymeab received n proper (am at our pro t awg *dllyby 5PM bat time on any day will be wadded b yoteAhcoud as of to day. Payma* received at err pnocessig faddy all er NU local timewR be credited at yuurActioun:as or±K nerd day I you have misplaced you eavebpe. send Mepaymast to Discover. Pb Box 6103, Cad Sfreast. It. 601974103. Pleen Wow 7-10 days for delivery t your payment is whamed unpaid, we reserve it* rigid to resubmit t a on eiedmhic debit You an pyyaar mnossw pymerd or e graieamountam the telephone, and you can sit up aubrask payments. Cat us A 1-800-347.2M. Youmb need boa AwAranl and your bank socaadinfamaAas. You mast an ue tot sulimm funds we available n Mtbatk account and at transactions must eomplywtbh U.S. hvr, You milts astkedb povidefhs fast 54601yMaastxdAslamerdapcode. Byahleringthosenumbers asyour slectroacsignature, youwill besgreeigloft althor ationtoallowwandyorbm*bdedrateach peymomlyouteuthottef neyambankeccoud,andeoetdlaMtlebtartiedlvilnesbyour bwka=uKasapplics*bcancanemorntheprocessigdsuchpaktaentYoumust let to the amount o(eocbpwp*K or you an select an stout such as the Miatmnr Paymem Due or** New Balance on each sWament You an oancd a papnast honatew we oxi ttraaive rota atlast tree lots nesadays n advance of thesdred le l payment You nW notify us by Wens at 1300-347.26&3 orby met at the address 6sOM in the previous r paragraph, ? in dwltedan to rwift stemment based on aeft at ? applied &=V to billing cy& your payment wvllbemedeahdlhawmtrirdwipbe.YarMrbma6cpayment matnf Credit PApertng. We may repo l information about your account b as& bona s, Late pymads, missed payments. or otwn delala on you smordmay beseteded n your credit ' watt eportteingg address: Discover, PO BOu 15153316 ? Wilmig m. D 9850.53316. Pleass, r your namead dress hombelieve ftl ow e telephone nth ardAwant tr. us at She follo PEWOOIC FWANCE CHARGES. Periodic Frier Charges ate imposed on all basadiors hear bon date the transaction is posted to r urArzaurd ant the dale you pay your entire New Balance. by mekirg payments; of receiving credits. However. if you paid the New Balance on your previous biting stafanetri by Me Payment Due Date shown on tot stawment end you pagtlwI*xBeWroe by the Payment On Osle on you creed bilbg slatemarl we m8 rid uprose Periodic Finance Charges on new purchases, that s, phrMeses first appealing on the trod sidenwvd. We a1 cis the grace period Otherwise. You vA receive a blfrhg staaaneM next month tat Includes Periodic Finance Charges on those new purchases. There 's ro guts psnodon balance trainfers or ash advances War sodyru b eenedons irdo groups d purchases. rash advances, and balance barstetsand then further sod the transactions within each group by their /uesnl Paardage Rate. For eaamik purdurxs subject b a promotond rate, and purchases sultpd to a standard rate would be separek groups. We to* to these groups as karsaclion alegoriss. At ton end of each bing period, we compute bala¢es and Periodic France Charges foreadh city of the biting period for ado ba amson category We use solosowirp equation to compute Periodic Finance Carges for each transaction oxiew Average Deily Betence x nunbet of days n do MV period x Daly Periodic Race (Your my mfer b the bhenae doge summary oh your blfng sfsfemerd br bass amounts.) Than we add up the Periodic FswmOurps for each bmsecam ca"oy to gel rho Idol Periods Finance, Charges for you Anwad. RoAvaap Daly Balance is shown as zero 9, because of the grace period, no Periodic Finance Chagas apply loo the balance at a trar9adlonCalem We acs InAAmage Daily Bob" psdudrg note tratsec6as) method of calca!aW,, ghat balar.:9 twi -41ch war impose Pe „.de, F,nan a Cnerges. We ctthpufe the Average Deily Befanae for each aansaclm alegoryby, aadding up all the daily balsam in a bieatg p nod far s bawadhonategoy and di"I to beat by to nunbee of days in rie billing cycle. We wWfttodailybaI khresdrtrasic6onategoymeachdaybyfigaddrytheWbirgbline previousdays dadybalanee:basaaasmadethat dryless charged Otatday and Penodc Fmtalce, Chagas accrued anthe pevhowday s daily balance : and byam sbLadag any craft and peyritaWthat are applied egansl the balance of the tramoda aaegoy ontuatdey I ncelcxdati g the dd)f badahce forthe foal day of ft bie+9 pod. we armada the'pme ions days balancer b have been yourbarmce foreech bansaceon talegalf on the hest day of you previous bdegperiod. to kasecion is posted to ymAtoount atteri he dose of tie billing period n which 0 ooaes, we will treat foe karsaraon as hav- ing owased on loo ttatdayof too billing period in which it is posted b your Account. AN fen ant ere *MW bihe standard pudwse trasseson to" VA to exaepdon of Cash Advance Tiasaction Fee Firunoe Charges vdacth are added to the coppice., r-section oryahd8sknnceTrasfarTwaactiwFeeRincesChageswhichsrsadded loft FF', 11, balance barsMkensacbmats".When aspecial hvierm(msMrabeties,wemwedounpaid bohr>csdtobalanokatsler andOwBalance TrarofaTrasecka eeFawweCharges tothedaderdpudfess inesscton ciuagory 14owavar Itlta spacial rage has been MmkotM under ft Defalt Rale Plan, we leave rte unpaid balance dtobalance, batakr and the Bdawe Transfer Trans. acilon Fee Finance OmM in the applicable Itasac6m ore®ory, ustl the special talevwuld have expired. For 7DO (Fdeanwwrdutlom Device for the Oua) assfabrics. Wearer sag t4WUT•7449. Discover maymw*randbrrecord telephone calls betweenyouandDiswvaropaseme6ve,for ger yassurancepurposes. Do Uncover-mad is issued by Discover Banc, Member FDIC_ OITSK170 New Balance Minimum Payment Due Account Number ending in 4210 ?+ DISC 'VEK $3,417.70 S69.00 Ender Amount Enclosed Below Payment Due Date $ F August 30, 2008 Please make check payable to Discover Card or Pay online Discovercard.cam. 04 SDSNSA01 0001608 ELIZABETH YEATTER inompaperless and make your account ationcurew inforrmation more more secure with password- MOBILE EST protected statements only you can access. Leammore atdiscovercomfpapertess 221 SHIPPENSBURG . SHIPPENSBURG PA 17257-9521 PO BOX 71084 }??ur}}ue}}rar)nn)nOor) CHARLOTTE NC 28272-1084 ,-,ddress,o-mail or talephonachonge?Print change in :pace above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986455381247552034177000075000006900 Discover More Card Account Summary Closing Date: August 4, 2008 page 1 of 1 Account number ending in 4210 Previous Balance $3,481.22 Payment Due Date August 30, 2008 Payments And Credits 75.00 Minimum Payment Due $69,00 Purchases + 0.00 Credit Limit $3,700.00 Cash Advances + 0.00 Credit Available $282.00 Bolonce Transfers + 0.00 Cash Credit Limit $.400.00 Finance Cherges + 11.48 Cash Credit Available $282.00 New Bolonce = $3,417.70 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashbock Bonuse Opening Cashbook Bonus Balance $ 0.01 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance S 0.01 Casltback•Baws® Anniversary Month: April Keep building your rewards with every purchase. Skutredeemirg once you reach $20 Cashback Bonus(R). I Visit Discover-caar to pay your 6A for no cost, view or How Can We Help You? . latest Account information, earn and redeem r4=2s"and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for (rearing impaired) see reverse side Soh Lake City, UT 84130 Transactions $0 Fraud Uabil?ty Guarantee Use your Discover Card with confidence. Trans. Yost Date Date Payrents and Credits Jul 25 Jul 25 PAYMENT THANK YOU $ -75.00 rr$gg?Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE BaDrmces Rates RATES RATES CHARM CHARGES current bnlGng period: 31 days purchases $4.49 0.03833% 13.99% F 13.99% $0.05 $0 Cash Advances $0 0.06573% 23.99% F 23.99% $O $0 Balance Transfers $3455.69 0.01068% 3.9(% F 3.90% $11.43 $O The rates that apply to your Account are either fixed IF) or they may vary (V) as noted above. Discover.com + Back to School - Cash Rewardsf Back to School purchwes, such as books, supplies, clothes, electronics and even travel, reward you. Use ShopDiscover to build rewards faster then redeem with our Cashbook Bonus(R) partners to increase, even double, your rewards. Importantk,darmsibh.xtheresmorethanonepageatesbitirgslatement,seethe badhofeachpopefuradditionalmvofWina txm. See Vow Cardmember Agreement Yew CardaheredeerAgreenhent xrdears all the terms of yourAaoount. Log or stolen cards. Report moediately! Car 1-MW-2683. B86ng Rights Summary. In Case of Errors or OuesronsAbout You Bit x you tide your big as wrong, or 4y you need more itamaion about a transaction on your bill, write to us on a separate shaetcd paper at Discover, PO Box 30421, Sob late Cky. LIT 84130-0421. as soon as possible. We mod hear from you no tiller than 60 days Am we sad you the first bill on which the am or problem appeared. You can telephone us, but dung so will nor preserve your rights. to you letter, give us the following i fonnatim: Your name ardAcmnd number. The dollar amaad of rho vApeded era Descbe the aril and eVW, it you an, vlsy yew beleve Were is an eras If you need more irlamalion, describe the item you are unsure about. You donut haw to pay any amount in queston while we are investigating, but you ore still obligated In pay to pads or you bill tat are rill in question. While we investigato your question, we cannot report you as deQAuador rate any action b o*d ben amount you question. "let Rite for Credit Card Pwchas : 9 you have a problem with the Welty of goods or services Owl you purchased well a Credit cad. NO you have tried in good kith to correct the problem *111% theme dart you may not twee spay to rerrwimg amount due on de goods or services. You lave On prolaction only when the purchase price was more than $50 and Ow purchase was made in you frame state awillhin 100 miles *1 you awing address. Ix we own or opera% the merchant, or Owe meted you the adverisement for ft goods or services-all lowd sesweoweredregardlessoftheamamtaroeaeonofpurchase) Payneerds. Sendo ly you payment and the top portion of this statement is Ihearvelepe provided. Do not sendash By sanding your code as described above, you adhoiie us to use wi n lion on you corer to make an decl sic tend transfer tan your ecoetrd at Ox financial insti4dbo Indicated on you dm* or b process the peymdd as a dheck transaction. If payment is processed as an ekcftx fund Vardar. One basterv A be for the mount or the code. When we use di onnatioo ion your dhedc b mate an electronic Aid transfer. funds may be withdrawn from your sommt as soon as the same daywe receive you payment and you v id not receive your dad beck from you financial istiamon. The puocessirg of your payment maybe delayed 9you send ash, comespardenoe or other items with your payment. it you sad the payment to any olhar address or % you use an emdope other than the one provided. Payments received in n proper form at our prooessag faulty by 5PM local limo on any day will be cmdted to your Account as of that day. Paymerns received slow prooess4bcili ateWirt bdirderltie'ueddedbYomAccoumasolfienerd day.9youhave misplacedyour envelops. sendyiwrpaymiehimttisodwp0Box 6103. Cad Stmem. IL 601974103• Please allow 7-10 days for delivery. x you payment is rehrmed unpaid. we reserve to right to eewbrvtit as an elecucnno debit Yew can payyormran um payment or a greater amount am the tebptorhe, and you Carr set up su4metic payments. Cal us at 14l00.347.2683. You welt need to stalemed and your bank scoaad inbmaiah. You mute erne Mat ad xwrl leads ereavalable in yourbeekacaxal ere 4111 VWMC60 a must campy with U.S. IMP You wA be acted to provide the i5t 56*4your account slatenrent zip code. By entering those numbers as your electrode signakua. you wi11 be ong b tlis aWhorizaiorn below us and yrhw NO to deduct each payment yousutgriteNomyour bataccount. andtoinitials debtacredit entries byour bmcaccount. asapp6 to correct an emu in We processing dsuchpayment. Youmust M in the w&M all each payment, or you can salad an amount such as the ?linirr mr Payment Due or the Now Balance an each stalamenl lbw can cancel a payment. however we must receive noun of load tree business days in advance dthescheduled paymad. You my moldy us by phone at 1400347.2683 at by mail at the address listed in the previous paragraph. If your payments may vary in amount, we will b1 you on each nwnOOy Owned when you paymard will be made and how much d vell be. Your Automakc psymem mound maybe yens I= khdaled on the montdy, statemembased an aeft or payments applied dun" the billing cycle- _ Credit Repatng. We may report i4brmaaton about you accord to creed b n as. Late paym mis, missed payments, or other defaults on your amount may be relladed n you credo report We normally report thesalus and peysnent hi" of yourAccoam to credit reportig agencies each mum h x you believe tat air reports inaccurate or nconplete, please write us at the Mlowipg address: Omcoua. PO Box 15316. WilmagtC4 DE 19850.5316: Please include ym name, address. Kara telephone number and Accord number PERK)M F9WANCE CHARGES. Periodic Fiance Charges are iaposed on adkarsadioss ran der date the Vansacionis posted to yoaAcowt urdil the dale you pay you more New Belemz, by raking payments or receiving oaths. However. it you paid the Now Balance on your previous billing sutemeM by the Payment Due Dale shown on that getemem. and you pay the Now Balance by the Psymerl Do Date on yar 0=&# 'AV stelenhent• we tat nit impose Pehiodx Fiance Charges on new purchases, that is. prdases Jim appearing on the armed slalanem. We at on to grace period Otherwise. you wt{ reserve a bWV statemad new wont to includes Penod:Fawnce Charges on those new purdases. There is no grace period on balance ranslaso rain advances. We sal your Vasart ors limo groups of purchases, cash advances. and belaume transfers and then further sod the rmssriorswift oath gap by Wei Annual Percentage Rate. For example, trrcaases subject b a promotional rate and purchases subject to a standard rate would be separategmupa. We relato few gaps as transaction cMegoies, At On end of eadr brae period. we compta betsrhoes and Parade Finance Orerges for each day of dhe b'&vg period ter each bansecbm category. tAb use the followpg egiaion to compute Panodc Finance ghaga for each transaction aoegoy:Average Oak Balance x rumba of days n to bft paced x Oak Periodtc Rea. (You may rake to the raance charge summary at your burg statement for these amounts.) Then we add up Oe Period Finance Charges for each transaction category So go the Val Paw& finance Charges for yon Account TheAwmge Daily Balance is shown as zero 9. beaded the grace period, no Periock Finance Charges apply, to do balance in a rensachon category. We we dteAawage Daily Balance iihdudug new bansa lions) m etred of Wadirmt; We balance upon which we iapose Periodic Finance Chagas We oonpute the Average Daily Balance for each transaction category by adding up at the daily baMnces in a bding period for a transaction category end dNWmg the told by V* marnber a days in the berg cycle. we ? balance for each aoceuedmtkPrcaleraciry on each day aiasdeysdaiYb??ia*0 MdM iahbyt On rwlollavoing so the brxtimgaryaeQbad sdaily bdan=. transactions, made Oatsreapaga8a t>>ataday. fees charged M ihoeoF>sactiondaY compift the FinaahaClarges sad dc category andWdWnaiataimgWeadybda>cekremfirst dayoftebill'ingperiod. weconsider the'pmviocsday's bdvwC to have been your balance laxeach terescom category on tha last day of your previous bung Period, ore transaction is posted a yourAccoud afterlhe dose d the biing period n wbich it occurs. we why treat the transaction as hav- ing ooaared online fasiday of Ghe ld11'rhg pheriod inwdeoh d sprled a yourAhxxxrM. - Atb WyK?vowumaraaddMat:sradadpuchesetransacionategorywithOwmacepVactCsshAdvance TmnsactionFee Fehanot Ounges which we added to v* app bansa bat akgory and Bahm7ra cler Tmnsadim Fee Finances Charges which we added lathe applicable balance transfer transaction atego y. When a special blame Vaster rate otpres. we move the wiped balance eta balance ranter and the Balance Trawler Transactor Fee FsanaCherges b the standard purchase raaacl on category. Novmver. dthesImle rate hestaree terminated under the Default Rare Plan, we leapt Ox unpaid babnoeof the balance raster and the Baiaue Transfer Trans- action Fee FswamChnnges in the applicable transaction crew" test the specialrate wall have expeed. For TDD (Tebwmannnketlons Device For *a DexOnsistanrr, please call 14U0.347-7449. Discover may motdtor w dW record teleowne ah between you and Oncover represemaires for qualay assurance purposes. The D'sava'card is noxcl by Dscover Bal4 Weber FDIC. OlTBK170 Now Balance 1 Minimum Payment Due Account Number ending in V10 DISC SVER $3,353.95 $135.00 Enter Amount Enclosed Below Payment Due Data $ 1 SWe^A' 49, 2008 Please mace check payable to Discover Card or pay online 0 Discov acard.com. o4 SDSNGA010001609 ELIZABETH YEATTER MOBILE EST Z21 SHIPPENSBURG SHIPPENSBURG PA 17257-9521 Go papedess and make your account information more secure= paswdwd- Lea Wected statements only you can access. m more at discover comlpapeAess. PO BOX 71084 I11 9 1111 11111u1114111 111 to CHARLOTTE NC 28272-1084 Address, e-mo it or telephone change? P, 40t change in space 1nhi,ilrhl h.hlhi)rr,1r,1,Ir„)fits rr l r, l t A toil I l hh l h if 11 h. i.I above, or go-Jo Discover.com, Print your e-mail address to receive important Account information and special offers. 00000198b455381247552033539500075000013500 Discover More Card Account Summary Closing Date: September 4, 2008 page 1 of 1 Account number ending in 4210 Previous Balance $3,417.70 Payment Due Date September 29, 2008 Payments And Credits 75.00 Minimum Payment Due $135.00 Purchases + 0.00 Credit Limit $3,700.00 Cash Advances + 0.00 Credit Available $346.00 Balance Transfers + 0.00 Cash Credit Limit $400.00 Finance Charges 4 11.25 Cash Credit Available $346.00 New Bakmce = $3,353.95 You may be able to avoid Periodic Finance Charges. see Ate reverse side for details. Cashback Bonuse Cashback g nusS Anniversary. Month: April Keep building your rewards with every purchase. Start redeeming once you reach 520 Cashback Bonus(R). Opening Cashbook Bonus Balance $ 0.01 New Cashback Bonus This Period + 0,00 Cashbook Bonus Balance S 0.01 How Can We Help You? 1 Visit Discover Vim to pay your bit for no coo, viw:rycow latest Account information, earn and redeem rowards and Tnore It's your choice - 3 ways to help 2. Call 1.8004XSCOYER (347.2683) for fast, easysa*4enico options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3 For TDD assistance for hearing impaired) e reverse side . Write us at Discover Cord, PO Box 30943, ( se Soh Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Dab Payments and Credits Aug 22 Aug 22 PAYMENT THANK YOU $ -75.00 j1% Charge Summary Nominal Tth>nscw.tian a vag er A a ANNUAL E Periodic Fee ly D enodic P RCENTAGE PE RCENTAGE P FtNANcf f0&id4a Balances Rates RATES RATES CHARGES QARW _ current billing period: 31 days Purchases $4.54 0.03833% 13,99% F 13.99% $0.05 $0 Cash Advances s0 0.06573% 23.99% F 23.99% $0 $d Balance Transfers $3384.76 0.01068% 3.90% F 3.90% $11.20 s0 The rates that apply to your Account are either fixed IF) or they may vary M as noted above. Ready for football seasony Get everything you reed for the big game and earn 5% to 20% Cashbook Bonus(R) when you shop online at over 100 top retailers like Circuit City, Sports Authority and Omaha Stooks twough Shopdiscover. Visit ShopDiscover at Discover.comjshop todayl iepaOntirdwrillO n. lOnereishoursthanawPapebthis billing stalamerd,saedoebackdeachpage toraddAaomimpMWmfamelion- SeeymcadmaWmAgmemeFr.YourcodmmtwAgrrnawnto bwaalthebarsolyourAcmtxll kesi orgoleo cards. Report krnediM l Cal 14"7-2M. 80%1agh63umrway In Case of Ems orQoeaAonaAbad Your Od; if yyoouu vw* your hi is wrong. co tyou need moors nlamaam about a transaction onyarbi. wie to us on a sepaateshed ofPepsi alDiscorer.POam30421•Saktake CktUT8413Q0421•assoon aspossible. Wemuslbeer "Myounola tOM60days star wesent youthe&Abiloo which lhp saworproblem appeared. You can telephone us, but doing so vil rich preserve yaw rgMa N Your leler• give as Mee (olavng inbrovidion: Yaw come andAooourUumbet TM44K amoud d tiesuspected eaa Describe Ow atnx Ord sapWa, iyou cank why you baleve dare is an ara. N you need more inbmu>ian, dewne fiedem you are unsure abort. You lb no have bpayMWamount ingmsknwhinweareimiesfigeftbutyouereORobligatedbpsythepansdyawbigI*arerotinquestim.Whileweswesigeteyour question. we cannot apatyou as defrpuad or take my w6on b COlett ale emo nt you question Spa" Ride far Call Card Pmehais: if you haw a problemwith the qn* of goods or sen foes Aid your pudwsed with a credit cad and you have Wiled in good UM to cored Owptddnn with the ram you may not haw b pay the remaining amount due on Ore goods or services. You have lasproleclon aty when the purchase price use moss /win $50 and the pudase Was Moe n you tame stake orwithin 180 miles dYour owing address. (l we awn or operate the madant, or ywe malted you the adm6sea sal brOw goods or semis, ad pudnasa are covered regardless of the amount or bea6on of pudase.) Parymanu•Sad«dyyeapugmwdadfaloppadmdtlisstafanerdnOueemdopatrarided OoadsendCacn.Bysendrgyoudhedcasduaabedabove.forasr+tlorzeusa uawe infonnalenonyau dhedueblecbordcMlud taster, qm baaterwvil b fa fie amourda an As. clack 4Nans kdoa a n 6om your chedk to maloe cl eaar e c fund boular• g payrseM is prouued kadsawp5ewdddawnGam yarn axotnt assoon as Nw sans day we reoaive you paymad, ad youwi0 nil rewire yourdarJc beds bow youlnahctef kwOhAiac Tlfepwoesskngdyaapeyawrhlmsybeaetryeddyausadasfn•taaspondaceac4ieriamswilhyaarpsynwnt 0yousend thepermit Inanyother addressorlyouusean earsetopedhaganlheoneptowded.Psynsemsreceived.Inproparbrmafar.nwcesss rte yblSF'Mbealimennary will beowW ?your Aoca?dad1atday.Payrrwnasi receivadalourprooessagtacitYallerSPMkr®ltaawaheaerFedbyouArzvu'a:afgreswudsy.lfyuirtaarem yowenvelope. airdy-peyt 5103 Cad Stream.0.80197810.7, Please agar7-10deystardelivery.lyorrP darenxradhhnpaidwereservetlaright bresrbmlaaanelocirmicdeht You conpgy?m rnirirrawa psynaerdaa greeler amount o%w in ukPtarre. and you'aa sat up draarrelc pWwrds. Cal tla at 1400-347 2563. You valneed onstakinnesd and yaw bb? the W bw*aowrrda0cowi6ar.YoumwEaaseredaesdfidenikinds weavailable in your bank soominkardagtanseAaa boss'aulywith . and asked eb?deadr 5dppsdyouraccount staanedzipcode. Byenlerigrloseasabetsasyoweleclimicerrprwk",youYAbeagreeing lotisaranlre dwdr Yo prep 4Yu bfOf?barksoommsndbk?fade6aaaedtermiesbypuberesmmnLeseppticaNa, dan processing P • IOUs each 11he'anaav0 deedr pay "Vial; of you can select ananolhll such as the Mmirix a Payo w tD ue or ft New Balance on each slekrwnt You can anod s peynhant,lnaveva we nawtreceiw I As. ! alb dreebusirass deysn advsce d the sdwduk d peyrneM. You nay noflyus hypbDne a 1.80g'J47-2653 arty mea al fa address fisted 6 fa previars par Wwb.lyeupanyussils; mryvery nanrrrniwevAledyou meach inorhfnlystalemadwhenyorpaynaMwilbemadeandhawmuch gwilbe.YourAudmafcpeysnerdsnow maybetessOarr ortlwmmlryttataneMbasedm«ediaPeY"+enrseppgeddraks31he1?^gcydeCredit Repaling. We may report inlon wrim about yaw account toaeda bureaus. Lde pervenk. missed peymencs. a otlwrdebults my= account maybe isleded in your aedd report We non%* report tie status and pywrenl ldstayd your Accord loaedd repo "agences each nallfh. 9 pu believe Mom report is'umcaate orncomplew. please was rs al the fdonirg address: Dscover. PO filar 15316. Wiaaapbrt DE 1 50.5315. Please ndcde your raise. address. homekbphme nudwrardAccoud nmbrr. PEROM F WANCE CHARGES Pwio6c Fawns C hmpes ore impoW ono baaselms boor Ibe deb Ow kaaacbm is posted b WAcwxA mil the car yohpay ydr o*e Now Balsrhoe, by whaling psyeaarts or rw"q weft. However. dyoupad the New Baletroe on your previous b&V sterment by the Pairier9IXw Dale shormonto statement and you pay to New Blame by thePaynaM Now Oar on you current filling stmemeni, we will nat isipme Periods France tinges an new purchases, Ow is. puwdleses fist appeu* on toanrrealarbuwN.Wecall this theWave period, Ofrorwise.youwill remweabftgammerdnext nwndhdotahdUd"PaxWcFinance Charges mthose newpurcases There asnegece period m balance benalas or cm h advances. We word pradachassubj:dapou?dpwdwseandpurchasess.aedtoastahralswouldb sapaargmupa 10ftseWait aslrar fionmalagaa?esHtlieeadof Vartsfars and Mari further sod rhe within each pow by OwAmiual asuanplela aes subject a s Pon es and and p r and purchases arbpd eadr Wgrng period, we eampnde Detarhoa a periodic finance ahspa for each day of tie billing period for each transaction uxtegay. We use the fo0owkg eufuafon b rxrlnpnar r.i...,d 'ic RM. (You mey tefa b Ga bow large Per in6C FrWaO Chagesfor each bansi stun calaWAvasge Daly Balance x nnbar of days in fine big period x Day Peo sunawyanyour bitingslal inerrlfaOaseahauna) Then weadd uplfroPeriodic FinanceCharges loreach basoeaan ..mlv..?bgetthebWPerilsFinwreeOva" loryour Aceouw TTw Avetape i>sly Bahasa is alrown as taro d, because d tte grace pared no Pe isd<e Fmmm Chages sppy to Ow bwwm n a mwocim omemy. We usefneAlaageDearBdenoe(uutdndag;twwtransunudiors)melroddcaloarisgakietwinceupon which wewpmPeriodic FnenoerhageaWeco putediaAweupeOaily Saleaoetaeacfi traraaworhabgay by eddi g rip al tha defy hebnces n a b" period a,ta,..r. a,, wtfalsattim caeg0ly and divdi g lire b W by&e mx bur ddaysin fie Wg qde. We coW thedailybelaeoeforeachtraaactiar cvAegoaymeachdwpbyfirsladding tobl.wing btoprevioodpy'sdaily balance:aeraaaarsmade thaday. leacharged Ow9day and Paiodc Fnahca Gargesaccnad as Ow prerdas ufiq/S lady beterwe; and by lhah sunbbactirg any aeAk and psywarna fhal ere aPdrad agsinstOwbaWce d M trarcerbarn akpoaymdaldwAlndaMlrglhedagybdraa(ar0aWdayolfatiilligperiod.wewmida9re'previosday's balanoe b have been your balance fxeach arsacbon i o"an the him dayofyourpaewa s bibgpeiod.l a transecfon is posed toyo rAomW after Ow dose d fie bLg period is which It occurs. we rrilltraalfw tansxOm as hav- npowmed m lwfasl daydfe big period in wNe hh b posted by%wA=wd. Al.l.lyaes adamawdWdedtotostaaladpurdwsetransacAmcalm" alhtheexceplmd GdrAdvance Tiar?ionFeeRianceCharges rAwhaeadded bOw epNyr-Alma=ale" and Billerica Trander Twaacuon Fee Finances Charges vhch am added to the apple" balance kar ferbarvaction ralegiory when espapellialaiuESbrwkfaleexpkes,neItIOaOhouipaidbalarwedOrebalacefranks aadlie BalanceTrarahaTionswamFeeFinar"pagesbdied annI pus bauaetiaacelegay llorverr? 9l a speCiq eata has been 1e111is" under the DdadtRSe Plan. we leave On unpaid Ware of the bafarz trawler and to Balance Tarndu Trana- aiim Fee Finance Owl ges n die appl cabletaaadanategay urd ft special rakworW have a®ked For TIM (itlecoaarnrhtatlom Device for the Dan) sseista ice, plot" cal i4lill 34T-7448 Discover mWswv x aerdbr recadtelephone calls, between you and Discover rapiesentsk es for qualtyassummoe purposes, The Monier-cad is issued by Msooverflark ldewber FDIC. O1T8K370 New Balance Minimum Payment Due Account Number ending in 4210 DISC VER $3,229.58 $65.00 Enter Amount Enclosed Below Payment Due Date $ October 30, 2008 Please make check payable to Discover Card or pay online 0 Discovercard.com. 04 SDSN6AO1 0001610 'Go papers and make your account ELIZABETH YEATTER information more"securewith password- MOBILE EST protected statements only you can access. 221 SHIPPENSBURG Learn more atdiscovercorrdpaperiess. SHIPPENSBURG PA 17257-9521 rllrnnllerrrlrnirllrnl PO BOX 71084 I11 11 CHARLOTTE NC 28272-1084 Address,e-moil or telephone change? Print change in spore Ir "? iii Et(lurluj ??{????iHUlulnl?i,(i al u??Fu?? above, or go to Discovercom. Print your e-mail address to receive important Account information and special offers. 000001986455381247552032295800135000006500 Discover More Card Account Summary Closing Date: October 4, 2008 page 1 of 1 Account number ending in 4210 Previous Balance $3,353.95 Payment Due Date October 30, 2008 Payments And Credits 135.00 Minimum Payment Due $65.00 Purchases + 0.00 Credit limit $3,700.00 Cash Advances + 0.00 Credit Available $470.00 Balance Transfers + 0.00 Cash Credit Limit $400.00 Finance Chmges + 10,63 Cash Credit Available $400.00 New Balance = $3,229.58 You may be able to avoid Periodic Finance Charges, see the reverse side for details- Cashback Bonu a Opening Coshback Bonus Balance $ 0.01 New Coshback Bonus This Period + 0.00 Cashba& Bonus Balance $ 0.01 .Cashback.Bonus0. Anniversary Month: April Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashbook Bonus(R). How Can We Help You.? . 1 Vises Discover com to pay your bill for no cool, view Was! Account information, earn and redeem reward ond more It's your choice - 3 wads to help 2. Cad 11-800-DISCOVER (347-2683( for fast, easy self-service M anager options or to speak with a Customer Service Account please have Discover Card avolabb. your 3, Write us at Discover Card, PO Box 30943, For TDD ("stomce for hearing impaired) see reverse side Sak take City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Sep 24 Sep 24 PAYMENT THANK YOU $ 135.00 Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $4.58 0.03833% 13.99% F 13.99% $0.05 $O Cash Advances so 0.06573% 23.99% F 23.99% $0 $0 Balance Transfers $3305.04 0.01068% 3.90% F 3.90% $10.58 $0 The rates that apply to your Account are eithe r fixed (F) or they may vary (V) as noted above. kneh ttant Information. I there is more shaman page to lka fJrlbtg statementd. we ft back of each papa for add'itiona l inwtwg nfotmaiion. See par CadnherrowAgreement. Youc'CetdnemberAgreemew contains all the term of yotff Account lost or stoke cads. Report isrihadise . Cap 1404347.2683. BNlag Rights Summary. in caseof Ekes or QuedowAbod Your SO: 0you rink your bib is wrap, or d you reed mare Wonaa6ar about a 6assedion on you 631. Virile to us on a sepereesheetdpapratDiscover,POBoa30421,SaltakeCity,UTB41 M21,assoonaspossdAe.Weworstlawkinyounolaterthan60daysafterwesentyouthe6rstWeon wtirh the am or pra6km oppeeM. You am kkpiane us, but doing sorts not preserve your rights. In yaw lehe, give us de Westing Wbrmatiow Yox nareandAccowdmmber Thedollararrountdthe error Dewbe the mar and ehplen 4you can, edryyou befieve tree is an mot. M you need mare information, describe to ikrn you are unsure about. Yw do no tree to pay why areur inquestion wtnieweam iaretliga4ng, but you are sIM *Mood fo pay the parts dyaw bit there are not in gU&S6M, W1ule Vie irwestgate YOW qu04M weoarhotteponyouasdle4phwtertekaay*MAID cadeadheMount Yougcesion. SpedelRule Iw Cra die Cord Palos m*. V yw haves problem v A61he quality d goods a services M you purchased with s as& cad. and you have Vied inyood earth to aped the pnoddent w*kto nerdmrt, you may not have to paytremtai ireg smarts dueon line goods or services. Ydr have dins prakceon only when the purchase peewee more dw $50 ardOe ehurdase was cede in yeerbome side orvir" 100milas d your ma0xg address. {t we own a operak fine merdrak, alive mailed you Oe advedisenxrd for the goods or servion, al phrdwes stemmed reyardemsdthe smaat a foceicn d padasel PayraaMw. Sand ereyryou payohr! arts to topprriondhis stmmms n the envelope provided. Do not sed cash. By seMngywrdheck ss dewibed above, you sulow us to use idomhaionon yourdwa Ich mate asisraeao bad batsfer(dem your account at the tewKW inalibuion ndlosledon yaw c edh or toprooess the payrnent as ad" bthdsaciah_ l psytnenlis processed as an atacvaecii d bahsley lire cedar well be for tneatrhount on teahedc When we use infonrdim ham your cede to nnshe an ekaronk tad transfer. fads key be a "reerh boon youraaawtassomas Ie oarlike dywe receive yow payment and you will ihol receive yaw deck back from your financial iratluton The; xmirgdyerpaymerdmaybedMaWdIyouseMcaah,oarespardeneeacaneremswfifhyoapeynaatIyausendleepaymentbayotlneaddresser Iyuuursea erNfops other ten to one petwided Paymentsaeceived ihptoper limn ad air proms Rely by 5Pkl local time on taydWstbe credited toyourAccoxt as of W day. Payments tecehedAarprooessshgkcKVsW5PMiocd*wwRbemdWtoyarAcwtkasoftonetdry.Iyouhavem*hcedyouenvelope. si id your pytaeiAlo04cbiiirPO'6ox 6103, Card Strew, L 501974103. Please allow 7-10 days for delivery. 0yaw pw roentis hatuhned unpaid, we mom M rkM Is resubmit d as an electronic debt. Nov can pay your mnitim peymema a gres4xamoumo er the klepho e. and you an set rq aturoic pe)mads. Cat us at 1.804347.2683. You will need ft statement and true balk ahxxawt Vdorrrhaion. YOU rots esaue tlet a 1Edara funds area mute n tart brxdt a xnont end all tranafZmemaA ompty white U.S. Mw. You vA le asked b provide the fast 5dgi6dyeaaxurdskkaatripavb.Byertimigtaremrmbarsasyour dectrowsgnturRyouwitheapecigbt sidecrkationballowusandyarnbadebdedweach peyehtrt you swrari¢ehom your belle aceant amdto Meter debia aeditwhi ies Is your bank a cc wK a appticabl , b rASed an ono m the piocesseg of such peymert. You roust MthsfieamoraldeedhpapantoryoucanseleclanahorisadhastreI nutoPaymarelMeartreNeerBadaoereachsfateneN.Youcanmodspaymentinweverwe trod teeeive redcesiloastthcee badnassdoys in advancedte adedaled psyrned. You rrsyoofdyr us by pbms at t-MMT 2683 or by mail at the address listed in the previous pera¢aplh. Myarpayrrleeda mywxyn ahahrR wervil to you an sect m** hdekmaH when yaw paynertwi bameds and how murh it will be YourAhtanak payment ennount may be lase ten indicated on the armtdyr statexdbased on credits or psyaerAs applied dump the bi4g ryes Credit pepatng.Wemyrepotiabnnati vabodyawscomwbcreditbureas,thepayments,missedpayments.aWhatWasteson youracooontmaybeetecedinyour crehdt tepad We rnm a* mpat de akhs and peprnerA Ii4orydyarAceaant b haedt Rportrhg agaves each monde Myer befevw tlvs our report s xeaodnmte a ahmuhpiate.please write us AteMdoeringaddress:Discover. POBon153KWbrii rh.DE198545316.Pleasencludeyourwne,address, home telephone nmhberandAccamtshurb".. PERK)MC FWANCE CHARGE5_ Penode Hence Charges son imposed on ell Varsactions kan the date Ire VwoWm s polled b yaw Account u rd the"yw pay your cove NewBalaroe.bymakirrgpsy whisormaiv:gaWk.Hoaraver,ifyarpied liver NewStanceon your previousbilling sbkmegbytoPayrnetDueDate siwamontatstatlmhat,ad you pay the tkxnnBafahoe bythe Nernst tlueOAeonyaaarmrt bOW adamant we wits not h9hose Pedodic Firowe Chargason now pha teses, that rs. purdlam Erse appearing on fleetxusarssiamert,Weed tilehegtacepdiodOtnehise,yonwRreceiveabftsla medtextnsrdhtadimkdesPetiodcFaanceChargesondrosenewpurchasesThere is no grew period on bslerhce tradskis a sash advances. link cot tart transactions irAOgagsdprrdeses. Vida advanhces, and baance transers ell Ohm futer sat tae 6arsacGots vAm esdh gaup by tt" Annual Pertmtage Raft. Fa example. purchases wbjw to a pmmodahal sate and pud+aees subjec lea starhdard role wo Ad be sapamte groups. War hdabffiase groups as trarsadron a tegaies. At the end of each bAprod, rte oanpto beknaes and periodic Finance G7wgas fa each dayof In bitting period or erdl basedom category! We arse the Wick rg equabm b compute Periodic- wsom Charges for as& trsrssc0on coageycAvaage Dodyl Sabnce x mwlbe of days n to bilig period x Daily Periodic Rate. (You may rater to the khaace dw" shmnaryurnyour bMVsWenerhtMthem anamts.)ThenwesWcepdePwiodwFirranceCharges faeach transaclonc&IM ytogettheWealPeriodicFrnenceChargesforyour Acewd7heAvaageDalyBslence's!d- as zero M,because ofdaregram perod,noPerirhkFinanceChargpsajpdyhtodhsbelaweinatransactionwtegay. WersetheArwepeOdyBalsnoe(ahdrdrgnnw6 )nhetnoddcalehlek thebalance, gwvdh0hwsiagwaPeriodieFinahoe,puuges.r'fleOnWraUeAv_era.?ef. hay .. Balance f o r each transaction ceMgoryberaddingupaltodailybalancesisabilling period foratransaction category and.dnidrgOebest! bythenumiberddesnItsbM gcycle.We apmpteOedaily befahoebreach bermac6arecategory aneach daybyfirst addigIefollowing btoprevious dWsdalybelanhoe:transactions mndethat dey,facecharged Oat day and PMisrlic Fmxnce Charges awmed on Over pavio s deft dally balance; and by pooh ahbtrarsirg ay credits ad psywheats that am applied against the balanced the than whew cetegay on that dry In calculating the dolt balance be to era dayd the bTM period. we onsidatbe'pevio s days belage bhate bem your balance far each bahsaaim okgayranthelsadayofyour pmv9asMMngpubd.0a transaction ispeeled toyour Aowurdafter dodose dfewthAgperiod 'mwlikhRoaurs,mWill beAtebweradanasha* ing occurred on the Wiley of tabling period in w4hichA is posed b yourAccoa2 wigs Iareaddedbdwstadadadpwdasel i, x1imcakgaywMrfoexcepimdCsehAdvenceTaasacimFeeFinaheeClhageswtichareeddedtoote sacion hakp xyamd Belace UasierTonsadorh Fee pesnces Chafes vOKh as added lathe appecable balance easier Vatsacteon category. When e apehialbalerhos traraserrak expires, we move the wpoidbaanaeof the balance trasferand the Balance Trash Tmnea:lim Fee FxwrA Charges to the standard purchase thasacfioacalegoye Hummer. I the special rak has base k vitiated ender he De" Rae Plan, see leeve the unpeid balance dthe bow" vatslef and 00 Balance Timsfer Trarm- acbon Fee Fiance Clharges he the applicable tehw o calegohy and de special rote nohdd have expired. For WD (Tekcamrieaakedons Device for the ONOswishwwr, pima call 1-800347-7448. Dsco%w may mmw w dW raced aekowm hats bewemym and DGMm epesakives krgwilyaswwm pupooes. The DiseovWme is issued by Discover Bards Winker FDIC. OITBH770 New Balance Minimum Payment Due Account Number ending in 4210 DISC'., VER $3,175.22 $64.00 Enter Amount Enclosed Below Payment Due Date $1 1 November 29, 2008 Please make check payabb to Discover Card or pay online 0 Discovercard.com. 04 SDSN6AOt 0001611 ELIZABETH YEATTER informatpaperless and make ion more Go re secure secure o with EST protected statements only you can access. 221 SHIPPENSBURG Learn more at discovercorn1paperless. SHIPPENSBURO PA 17257-9521 PO BOX 71084 )11us)Irulrn rl)wlr))n) CHARLOTTE NC 28272-1084 Add(ess, e-mail or telephone change? Print charge in space lit rilltilttrl, ll if fit tl1I1E1(lll1 trill l l t lttl)Irltl)Itll l reN above, or go to Oiscover.com. Print your e-mail address to receive important Account information and special offers. . 000001986455381247552031752200065000006400 Discover More Card Account Summary Closing Date: Navem6er 4, 2008 page 1 of 1 Account number ending in 4210 Previous Balance $3,229.58 Payment Due Date November 29, 2008 Payments And Credits 65.00 Minimum Payment Due $64.00 Purchases + 0.00 Credit Limit $3,700.00 Cash Advances + 0.00 Credit Available $524.00 Balance Transfers + 0.00 Cash Credit Limit $400.00 Finance Charges + 10.6A Cash Credit Available $400.00 New Balance - $3,175.22 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Openirig Cashbock Bonus Balance $ 0.01 New Cashbock Bonus This Period + 0.00 Cashback Bonus Balance $ 0.01 Cashbock Borrus® Anniversary Month: April Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashbock BonuslR). How Can We Help You? I Visit Discavercom to pay your 6111 for no cost, view r latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.8"SCOVER 1347-2683) for fast, easy s4service options or to speak with a Customer Service Aceourd Manager Please hove your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assfslonce For hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and credits Oct 23 Oct 23 PAYMENT THANK YOU $ -65.00 Information For You Wonw Transfer eiforW-for currant being Period: Daily Periodic Rote: 0.01367%; corresponding ANNUAL PERCENTAGE PATE: 4.99%. JhMM Charge Summary Nornmol Transodion Average Daily ANNUAL ANNUAL Periodic Fea Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Bata es Rates RATES RATES CHARGES atA_E_ current billing period: 31 days purchases $4.64 0.03833% 13.99% F 13.99% $0.05 $0 Cash Advances $0 0.06573% 23.99% F 23.99% $0 $0 Balance Transfers $3202.85 0.01068% 3.90% F 3.90% $10.59 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above Ship Freeh Discover Gift Cards ship FREE and come Ina variety of holiday designs. Choose any dolor amount From $20 to $500 - and PERSONALIZE with a name and greeting. Good for purchases at millions of locations. Browse and buy at DiscoverG hCord_com/holiday ImportedbrAmn0 a.tthemismorefanonepegsbthisblfsgstatemad,seethebackdeachPageforaddlionelimpartardaddmalan. See yaw CardmnnberAgteeaheat Yaor CadmemberAgemmedmnlawu all to lams dyon Aecamt Lost or stollen cards. Report isava llaW Cat 1.804347-1683 Bitdg Rights Swannery b Cased Ears a QuedbhaAbwrYour B# Uyou tad your loll6 wro%a t yw need more inkm aaah eboitta bapecle m on yaw bi, Weieb us on a separate sheatdpper d discover. PD 8=30421. Sell Lake MA ILIT84130Af21, as somas possihie. We must hear from you notater than 60 days aflferwe serf you lthe test bill on which tearnaa problem a peored. You can telephone w, butdoirg so wit rot twesam yea ri¢HS. in your teke< give us the following intohmelac • Your name and Account number. The d*w amount of to suspected awl Describe thee wrandexplain. xyou can. why you bellewe tree is an arot t you and more irdarrradim. describe the dem you are unsure abed. You d0 not have to pay ayamount inquestion 0& weave tlwC56lldin del you are still obligated b pay the pats d your bat that are not in %wim. Wide we irwesfigate ymr Question, we cannot report you as delinquent or take any actor b -1edthe emant you question, SpwW Rule farCm& Cad Pwch=es: 0you have a problem with the quality of goods or services that you purchased adth a credit card. end you have tied em good 6A to cones theprademviilhthanacdaatyoumaynothave to poly torewiring amroatdueonthegoods aSerw eLYouhaveVasprowtonadywhenthepurchasepricewasnottraySW and the purchase, was made in your home state orwilin 100 milesofyw rmalag address. (9 we own or operate the merchant or4we meikd you the advertisement few the goods or services, of pradraes so covered regadea; of the amount or location of purchase.) Paymads. Send only your payment KAthelopportion ditha statement in the envelope p rvided. Do not send cash. By sen ft yar dtect as described above, you arthaize us to use information an yourdook I* make an ekedmrk had Vanderfram Samaccount at the kwmciel inalarkn indicol don your deck or b process the payment asa dreck bamacton. If payment is processed as a eballowfad Mhsbr, the Vander wi be brae amount on the deck. When we use ih(amslon ban your deck b make an eled4mic fund Vander. kinds a" be w+lldeanJ an your aowurd as soon as the same day we nowwe your payment, end ywwg not receive yon dock bads kom your Irmocial xrdlbAm ThephooessiugdyerpaysrtI imaybe delayed dyouSOWarn,mrespordemoeaotwitemswithyour paymeKJfyousend thepayment bayother address aiyouusean emvekpe otter tam fa are provided. Paymerknoeived in proprfam stourpmcesssg %ev by WU bah time our awydaywb be credited to ywAeooad asd#W day. Payments re006W ear peacessitg ba*Aer%M bah lime will be credited to yorAwash(a into Mrddaldtf have a 4lacedyaremvelope. sad you paymemftoOisave[. PD Box 6103,CardSwamILS6197.6103Piasseallow7-10daysfordetveryc0yearpaymentblabored we reservetlarigM6resuMrititasamebctonicdvhd. You can payywminiaseapsymaf are greater amount aa to Nkomo, and you can sat up aufoamlcpelwnetts Cef us of 1-00034744. YouvA reed fia9wameM and your bark account 111lormabartYoumoatewe* that subduekndsoreareiebtsinywbrhkaoceurt srdalibansaclonc?raatoornplyvitinUS.Imv.Yauwitbeasiedbpmmidethefast 54giasdyourwood stwerrdzipcode. Byentering thosemodsasyour ebcbv*sigralore.youailbeagreeingbtisautha®li mballowusandywbw*bdedudesch paymartyouauthedma Coca yw bank aoaurr, ad t&wA* a d*k ciro edit entries to your bank amount. asappliable, b carectam drain lbe pnvoessirg daudh Peymoud You mhist tot us to amount of each payment, or you can sekden mawsudhas do kfnimm Payment Due or teNrr Salenwon each statemett You can cabal a psymo .lmwever we mph receive notice at Mint tree business days in advance dta sal eMarll peymerk You may notlyus byphonoat 1300347.260 or by head att the eddresslided iint the prowous Pagr4h tyaw paymrmb ""Very hnanou t• we wN td youan eahmont ly statement when your paymddwill be made end few much twit be. YwAuomeEc permed arrant maybe fees faoiddcaled on the raw" Award based onaedlM or payments appfred dtsig the billing cycle. CmO RepoNd¢ We may repod iliormolo nabout your accord to anti bureau. Late prymecis, rrpesal payments, or dherdefe ft on yo r araomt maybe ataded is your credit report WerorimnfyreporttoafekradpaynheMNsbrydyaurAaartbuaeotreporfrgagendaseadrrmhorutltIf you believe that our report ismacordaorincomplete. please wrile us at feldMhirngeddoes:l7rsrswvar, PD Bum 15316. Wimaglat DE 198545316. Please irrAude yor+natne, aklrea, lwno tekpbmone ramnber adAcswm nurfea. PERl001C FWANtf CHARGES Penobol i ance Chagas ale unposed on all basec#aa tom the dole to ba webs a posted b yamAormunt ail the data you payyow entire New Balaac loll making poyraautsataodvig dwidlts. However, if you pad t e New gdwm on yon prey pus bikg uatmed by fa PaW*N One Date shove m 6o sdunad, end You pay to NwBalsece by taPayaeM Due Dab our your owent bung statement, wewdl rod impose Perm* Finance Charges on new pumihsses, to p, purchaser; brat appearing ante moat stekaari We all this the gwaperiod.Otherwise. you will receive a bldg sb*m erd rant monthtat includes Periodic France Charges on those nw purchases. Thero is no grow period on balsnee gatdmor cmhtadw fns We sod your bromadims mb proupc d prdetsm cahadwarices. sad balance owskra and Own h w so Ow tansacbar wirilin each gap by dwArm ai Percentage Rate. Fa example, purchases shbjw to a pwmdnmal we had pudasas nhtpot to a dandlednste would be separate groups. We refer to Own groups as baruacUm alegodes. Ai the end of eachfilling packetweaerlprebalancesandParodicFewmeeCharges for each daydthebdfngperiod foraebVarmachoncategory We amtrbnowirgagmtonbample PaiodcFinance Chagos brcash baesewwcategory: Average DaiyrBalance xa ribaof days mtobiting panodxDaily Periodic Palo (Yamayrefer btoknenoecharge sternrry onyoo big s! nr lsa•!an tl for tare anwatt.) Ttrmwe add cep tla Periodic Fsrnve Chaign for cub karmaclwedegay to gel to bW Periodic Finahw Cbmgm fur yow Account. TbeAwageDaily Balance isshomasan1.because of to grace period. no Periodic manceChagas apply tofar balance, inatransactimcategory. WeuseteAverage t>ayEatsas(ndhdngnewlasac:L• s)metaddaWAOL-gfwU.r* ow which wwimposePeriodicFwotChargmWecoupeeteAverage Dirty Belenwbrsuch transaction category byaddingupatthedaily balances inab#rgpwadfeltataueaimcare" raldwingtlrtrialbythenumber ddaysinthetelling cycle,We compute the d* babnoefor each and Paie&Fwwwm Cha gas aaaaado Cattle Pewa rs daft ddy boa cetied : ardbythen ate rat any caeft apsynamis that we ? babnow. transaction applied against IM balawwo(t a ha vent on day wtegay anthatdayt ktoelaulsting to defy bsieroe bribe find deydfhabOi g period. we consider t e'pravbua day's halaodbtavebeen your balance for each hasectiam calegay onto lastdaydyour pevioa billing period gabersecton is posledb ywAcomw atInclose off* bdngpesad in wdhidh it own, vas a# treat the tra sawan as hmv mg occurred on In 6W day d fwtON pwicd invdeth Nis paled bywAcocewl At fin area41 bteAadadpurdipevasattoncmwpywehOnmcep6wdCashAdance Transaction, Fee fkeno&ChxWwmch are added tome mzrahslabarregordcalSMWhen epplabid KZit?rCm4atsacdohva MendB&W=TnaaforTrnsectwFeeFawaisChmdhidtaeaddedb taapplwblebal b e spechillmiwnw aalidrraleetpios,we move the unpaid balacoedtobaiante tarshrofd tiegssS*m Transfer Transaction fee Finance Charges loan standard purchase tarpadmn atgay: Howeaw, ulna apacalrafe has leente reineMd ands to Ddkaft Rate Phan, weleave the urpaid balriwdte betenoe Vander ad the Balance TrennaTras- eclot Fee Fwwwe charges in the ap*oft bahsoc ion alegayurd to spedd rate work have expired. Fro MD(lalecomrnadc&totuDevice bribeDea4aaasMi e, please at1-ff4347.7449. Discover maymaatoravdkrrecord w%pharecalls betwee myou andDacesrepesahffi4vesfor*key assurance purposes The0savee cued is issued by Dismwer Beds Member FM 017BK170 New Balance Minimum Payment Due Account Number ending in 4210 DISC VER 53,120.36 $63.00 Enter Amount Enclosed Below Payment Due We $ r December 30, 2008 Please make check payable to Discover Card or pay online 0 Discovercard_cwm_ D4 SOSN6AOI DoDtst2 ELIZABETH YEATTER Go information paperless and make your account lttformatbn more secure with password- MOBILE EST protected statements only you can access. 221 SHIPPENSBURG Learn more at discovercomlpapertess. SHIPPENSBURG PA 17257-9521 PO Box 71084 lll,.,lir,rlf„rrl„I,ll„I CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space j'„lu,liUS nlu)fiit !)it till krlrIIIIdnit IIIr,ll above, or go to Discover.com. Print your e-moil address to receive important Account information and special offers. 000001986455381247552031203600065000006300 Discover More Card Account Summary Closing Date: December 4, 2008 page 1 of f Account number ending in 4210 Previous Balance $3,175.22 Payment Due Date December 30, 2008 Payments And Credits 65.00 Minimum Payment Due $63.00 Purchases + 0.00 Credit Limit $3,700.00 Cash Advances + 0.00 Credit Available $579.00 Balance Transfers + 0.00 Cash Credit Limit $400.00 Fieonee Charges _ + 4 10A A Cash Credit Available $400.00 Now Balance = $3,120.36 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonue Opening Cashback Bonus Balance $ 0.01 New Cashback Bonus This Period + 0.00 Coshback Bonus Badonce $ 0.01 Coshback.BonusS Anniversary Month: April Keep building your rewards with awry purchase. Start redeeming once you reach $20 Cashbock Bonus(R). 1 Visit Discover.com to pay your bill for ns cost, view yr How Can We Help You? latest Account information, earn and redeem rewardioand more It's your choice - 3 ways to help 2. Cap 1-800•DISCOVEP (347-2683) for fast, easy selbservice options or to speak wish 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 Dais Payments and Credits Nov 24 Nov 24 PAYMENT THANK YOU $ -65.00 Information For You -Bafanca xrensfer offer(s) for cutrentblfirg period: Daily Periodic Rate: 0.01367%, corresponding ANNUAL PERCENTAGE RATE: 4.99%. Fj&Charge Summary Average BBaala es current billing period: 30 days Nominal Peri?c PPEERNCEI PAGE PERCENTAGE Rates RATES RATES - Transaction Periodic Fee FINANCE FINANCE CHARGES CWIRGES Purchases $4.68 0.03833% 13.99% F 13.99% Cash Advances $0 0.06573% 23.991% F 23.99% Balance Transfers $3151.62 0.01068% 3.90% F 3.90% The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. $0.05 $0 $0 $o $10.09 $O Look' far a last minute holiday gift? Give the Discover eCAft Card. No driving around for the period gih- send online at minions of locations, online and over the phone. Finish your shopping today at ins. B's good far 7.9j; el DDscoverGiftcard.com/egiR knowla tidmaatioa.Iffewismoretartonopagebdtisb&Vstatement,seethebackdeathjapebraddhowvrpwwrtirdama6on. CA See your Cardmember Agreement Yap ConimenterAgreemaM corhtans alto lems d yamAammt Lost at stolen cash. Report imredioW.. Cal 1.804317-2663. a Bi9irrjRightSummary, knCatdFindsaOaesiorsAbout Yew88:ffywthirAkyour bitiswrong. orifyouneed more adamotonabout atransaction oeyour ball.write tousma o separaeeahadolpeperatDomwes.PO8ai3D421,SeNtAoCily,Ui611304421.osmmaspoath_VVeroughwhotyourohterthan60daysaftwe"yuedtef billion o wfikh do woror problem appeared. You can Wephow us, but dobV so wid not preserve your rights n your letter, give us the following inlwmeCOn: o • Yourrwne aedAcootmi nundner : N The doter amart of to suspededamor Desatbetheerror adexplain,6youcan, wlyyoe.beCevaOweisanamen.0youroad more:dormaion,desa&MeRemyouareunsureabout Youdooiltrovetopayanyamnrdnrpesionwhile weareirwesigetinp,butyouaesilabigatddbpaythepalsdyiw60Ware notinquestion YJhiew kw,esigsleyou question. we cannot report you as delirgmt orbkeany action b mNed the am curt you queebon. SpecW Rude for Credit Card Pudasa: tyoutave apdJem with Ne gusillydgoods or services /at you purdased with a credo ad, and you have bind iryood bite to coned tie piaW. wb the nwdhmt yw maymot here b payta mmakwg amowd due w do goodsor services. You have Ois pntloction only gonthe pudase pioewas mare dron S50 and dwpmrchme was made n you Lama stab awidin 100 mind your molt address. (owe owoor operate to merchant, a N we mated you the adudvasened for the goods or services. al purchases are oovErad ,ego less of Nleamorrd or location of phrdrese.) Poymwtft. Sand odyyou paymard and the top portion d dw st oomeraiv Ow envelope provided. Do to send oath By sending your deck as desabed above, youahlhaite us to use itama6oa anyourdhodk b wnrlce anefemmic frrd tarok komywr aamnmt atte)krahei! irntYlioah kwdratedmyow dod(a b process ere paymeran a deck traruection, 0payment isprocessed wanakelmnicVmdVander-OatardervAbefortoamount mthedhcdcWarnweusek4offr tionfromyourcockbmakeandemonicfuduanow, lends maybe mitidimm from you account as son as to same day we receive your payment and ywwi nit receive yaw died tack from your financed i a"on. lhepmaVSdgdyoupaymentragbedelayed Nyovtsend cab, correspondence acowkeraswilbyour pmyrnent.r7ywsend thepayment bagWwaddressor "use an gfadyby5PMlocalt wwaydayYMbecedkdbyourAcconlasdealday.Payments oweWedhatonfaoneprovided.Paymentsreceiveditproperform at our; s _.. . ieoeivedAoupaerssirg(es?ily deer SPMbWlowwllbe credfedtoyouiAomimwosdoevied'dsyl(yoihave ninpladyour envelope. ieirdyore kldDifiAGer:POT;w 6103, Card SVeem 11,6019741103. Please al*w MO days forda0very. N yourpeymed is rawweed rePEA we reserveta right b fesubmk it as an electronic deW You can payyarmWwampalrmetoragreater amermlover thetebptaa.andyakcant atopaaaoneakpaycads.Calusal1-800.347-2683,Yonw itneedfasstNanert9Wyou bmtkaccount inlamaiar. You must erne that sufficient funds arearwob ble n yak back account and all tormociats wrastcaapywilh US law You tall be **Ad to provide de first S dpts dyrrm aomw s vmnem zocode. 8yedang chose mmbasa youetedonicaipmsgVa. ywwit bur t peeig b t is adMriretion b slow us and yiwb.htk b deduct acth payinetyw outarnmirom yew bark awood, and bin fore deboaf txeda eroieelo yphabark aooarrt, as apptieebl5 bonectan error it de process" dsucr payment you must W w Ice ermaunt leach paymer4 oryw can select an amount such as de Mrimum PayraadDueor der NewBaaaa on each alalanmt Yat can ancelaporrmmet however we nsrst raceire fhdice at Imst trabnsiwhess days it science dlMtxiaduled peptard Yw thrywhoifytrs try phanaat 1800.T47.2683 a b7 rtai at de eddoas ks4ed-mete peaiaos Perrows of Nyar pgmwa mgy'varyn arrows, we will el yocon eadi mom* Wlemom wbevyar paprerg wil be made and firm muck R uric be. YourAummaic payment arrow may be lesstlktivndraedon&anw Ntysliernedbasedoncredtsor payrerds applied doingtobilkVcycle. Credo Reporting. We may report information above your steam to credo butmo Lab payments, missed paPrents. or firer defaults on you account soy be collected in yam credo repot Wanun*Oyeportderse uWprymerdio"ofy=A®udbaedtmpmfo agerdeseach rnantr.Nyebebevathatour report siecwateairzmpltle-pleasewale us alto fellowi g address Discover, PO Box 15316. WArningloik DE 19850.5316. Please nWdeyour mime, address, tray telephone number adAaourtnhmber. PER OM FKANCE CHARGE& Pei FmerwChageswe imposed on of basocko s kom der do* toebonsac6w'a pooled to yotrAdsord uti the dek you pray your entae New Sale". bymek'mg paymoft or receiving r vdK Nowaa, Nyou pad the New tklmoeonyour previous bhYirg statement by the Payment Due Dale dim" our tam sdalema i, and you pay tta New Balance by On Payment Due Dab on your cured bifrg tlalemeK we wit not impose Periodic Finarce Cwgeson new purchases, that m p irdu ses fast appeaig on de owed doement We cal di; Oa pace period Otlvmwne. you wheat a hkig stekrnad two m or* Bat includes Per odic Finance Charges on dose new purchases. There isaoVacopabden balance translos; or cash advances. ft sat you ramactioss mbgoyedpurchases. cash a6mices,and bmdmm tanstars and turn fix#w sat the transactions Wigan each group by 4w Annual Parentage Role. F. wAneple, pudhaaas vApd an a promotional tae and pudwas subject ba stendmd tab wold be sepsae grails, We rater to grew gem" as trarnawliom eategmies. At ate end of each bligfood , we am" balwxee and Periodic Finance Changes for each day of the brig period for each transaction category. We use #0foloeving erosion b con" Periods France Oergesta each MrsedlwcaloW AverageOady Balance x amber ddsysn do bW" peed x Unity Periodic Rate. (You may refer to ore crane doge summary myour b8ng atakmatfor tese amounl&) Than we add up do Periodic FeanaOhntpa for each tatsactrw iaegory to get defdal Periodic Finance Oarges for yew Account TMAvaage Daly Balance is sown as tore if, because d the pace period, no Periodic Firwas Charges apply to the bahnoe in a basadion cwgW Marie OnAwrage Daly Balance (including new tronsoc iors)melhod dalcdafvg the batmce uponwNCh we impose fr d Franz Charges. We compute whe Average Daly 8alancefor each Vmneacionc legorybyaddingcepall thedafytaiahasnaWill pedodlewalmsacloccoegayandd6wingthetotal bythenurnberddays ntheb&gcycle:We aornpdeoredolly balance foreachwe sactonals"onadhdayby6daddngtob1mvigbdopreviousdeftdailybalace:Uwsadonsmetafatday;(eesdngeddwday and Periodic Fnerce Chagas: accord On the praviowadhwyrsdalyr baenoe; and bytan wbirattmp angaedta and paymems tort ore appiedagaimst Ma hatanca eta tamsaoion step ,yon dal day. In cdouleig N»dedy bdance fordo Oval deydOw bingpedmd, we corridor the 'previoasdayrs Mena' to have been yew balance for each bansadtim calegayon tokstdaydyour prancers Wig period, go karzodon is posted t ryowAmou t after to dose d9w bifrg period in wlich k ocaas, we *A beat the rarsa0w as hav. ig oaxmWon to W dayd the b%V p"W to wdich k is pursed b WAaamt Al fee?pcmudareehlded b the starderd purctase trasactoncabgay Vilfr der oentoepknof CasAAdvaae Truaadian Fee France Chageawhicts ask added to der s, to # ansadi cmagxy en Colegery, and Balance ImnslerTransoclian aperiYhaktreeVanslerrabweft uprdbMahoedlhebadaha? trenk raad A Ii - Tr aa skxTs eadon F mane transfer a wpm. standard purchase aeasadionmx6gay.yewever,fthespedelydelwsbeentem odedwsdeitapeladlltafePaera,rrafaueanewagaidbatahgedtabalanatanserrrdtheSelancc rrasCerTras- acliom Fee France purges a the applicable tasednn category urd ft special role would hove expired. Fa TOO flakeaumrdallansDevkefor"Dean)assistance, pleaseerg1- I-W-7449 Dawwormeyrmanior wndbr record telephone calls between yore and Di omw represernawasfm ga6fyasmrana purpoaas The Dioovee cad is sound by Duover Bask, Member FDIC. OM M170 Paying ItaferesC We begin to impose interest charges on a transaction, fee or interest charge from the day we add it ro the daily balance. We continue to impose interest ehtarges until you pay the total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot ovoid paying interest on Balance Transfers or Cash Advances. How to Avoid Pa fn Interest an Purchases "Grace Period" It you poid-Hm New Balance on your prewar billing statement by the Poymert Due Date shown on that billing statement, we will not impose interest charges an new Purchases, or any portion of a new Purchase, paid by the Purchase Dire Date on your current billing sfalemenl, now Purchases ore Purchases that first appear on the current billing statement. How We Aoply Payments Impact Your Grace Period you o not pay younto Full each month, n, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. How We Cakufate interest Charges Daily Balooce Msthad (irduding currant transactions): We calculate interest charges each billing period by first figguringg the "daily balance" for each Transaction Category. Transaction Cat?gcries include cionce Transfers- standard Purchases, atondord Cash Advances and different promotional balances, such os B,-!a,,%' How We Figure the Daily Balance for Each Transaction Category Woman with the eginning balance for each day. The beginning balance for the first day of the billing period is your balance an tbhe last day of your previous billing period We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We add new transactions or fees as of the later of the Transaction Dote or the first day of the billing period in which Ironsoction or fee posted to your Account. We subtract any new credits and payments. We make other adjustrnerts Oincludintg those adjustments required in the "Paying Interest" section). How We Figure Your Told Inbred Charges We mubipty the dail?yy balance for each Transaction Category by its daily periodic rate. We do this for each day in the billing period. Tfhis gives us the interest charges for each Transaction Category. ry. To Seto daily periodic rate, we divide the APR that applies to the Transaction Category by 365. We add up all the daily Interest charges. The sum is the total interest charge for the billing period. How We ktdude fines We add Balance Transfer Fees to the. applicable Balance Transfer Transaction Category. We add Cash Advance T Advance Transaction Category. We odd all other fees to the standard Purchase Fees to the plicoble Cash ranwdianaCalegory_ Balance Subject to Merest Rale. Your statement shows a Balance Subjed to Interest Rate. It shows this for each tansadion category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. For TDD (Telecornrraunkefiim Device for" Deaf) assistance, please caH 1-800.347.7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover®card is issued by Discover Bank, Member FDIC UWE= 9229322 Qwstions? Visit wwwJ)iswvor.corn or p?SL•SVE? call 1-800-DISCOVER (1-804347-2683). New Baia. Minimum Payment Due Account Number ending is 4210 DISC )VER $3,065.65 $62.00 Enter Amount Enclosed Below Payment Due Date $ January 30, 2009 Please make check payable to D4covw Card or pay online 0 Discovercard.com. 04 SDSN6A01 0007613 ELIZABETH YEATTER GopaperFessandmakeyottraccount intotmaT+on more secure N7itt password- MOBILE EST protectedstatementsonlyyoucanaccess. 221 SHIPPENSBURG Leammoreatdiscovercotrdpaperless. SHIPPENSBURG PA 17257-4521 PO BOX 71084 O(r?r{{rrr{{rru{nfr{{n{ CHARLOTTE NC 26272-1084 Address, e-mail orleleohonechange?Print changeinspace jrrjr)irtlrttl+)1rrrjtr r)rrrljl?rrrtt+)rr)rrj(r+(rt?+rt+)+:?? above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers 000001986455381247552030656500065000006200 Discover More Card Account Summary Closing Date: January 4, 2009 page 1 of 1 Account number ending in 4210 Previous Balance $3,120.36 Payment Due Date January 30, 2009 Poymerds And Credits 65.00 Minimum Payment Due $62.00 Purchases + 0.00 Credit Limit $3,700.00 Cash Advances + 0.00 Credit Available $634.00 Balance Transfers + 0.00 Cash Credit limit $400.00 Finance C7rarBe5 + 10.29 Cash Credit Available $400,00 New Balance = $3,065-65 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback BonuSe Opening Cashback Borers Balance $ 0.01 New Cashback Bonus This Period + 0.00 Cashback Bonus Bdance s 0.01 Ccishback.BonusS Anniversary Month: April > building your rewards with every hose. Start redeeming once you reach Cashback Bonus(R). 1 Visit Discovercom to b? far no cost viwv your How Can We Help You? latest Account informat? yaw bill and redeem rewards and mcre It's your choice - 3 ways to help 2. Call 1-8004MSCOVER (347-2683) for Fast, easy selfservice Please have your Discover Card available. options or to speak with a Customer Service Account Manager y° 3. Write us at Discover Card, PO Box 30943, For TM (assistance for hearing impaired) see reverse side Salt Ink. City, UT 84130 Transactions $0 Fraud LiabiGly Guarantee Use your Discover Card with confidence- Trans. Post Dab Date Payments and Credits Dec 24 Dec 24 PAYMENT THANK YOU $ .65.00 Information For You Balance Transfer offer{:) for current IA69 period: Daily Periodic Rate: 0.01367%; corresponding ANNUAL PERCENTAGE RATE: 4.99%_ NM Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Permclk fee Daily Periodic PERCE FAGE PERCEWAGE FWANCE F!["CE 8dartees Rates RATES RATES CHARGES CtU1RGES current billing period: 31 days Purchases $4.74 0.03833% 13.99% F 13.99% $0.05 s0 Cash Advances so. 0.06573% 23.99% F 23.99% s0 $0 Balance Transfers $3095.46 0.01068% 3.90% F 3,90% $10.24 s0 The rates that apply to your Account are either fixed (F) or they may vary M as rioted above. Valentine's Day is just around the comer. Find the perfect gill online and earn expo rewards through ShopDaeaver. Earn 5% to 20% Cashbadc Bonus1R) at over 100 top ovine retailers lice Blue Nib, Godiva, and FTD.com when you link. through Discover.com/shop todoyl knporhnl bdonno tar. it there is more tan one page b ft blfng slawneorl, see the bacitof each page fat addilimal argrortad information. See your Cadre ereberAgncaxe! Your Cerdment6erAgreemetd oatairs of to was of yaaAocount Let at stoleneards. Report knnedio ! Cad IM(0347.2683. 8911ry Swmary.nCesedEumaQued sAbadYourStl yDutmkvaabd swrbng,orgymmodmoreMbmutmebotdatumac ononymbILwfttousona separate etdpapersot iscam.POBox30421.Sell LakeCfy.UT0113140421. assoonaspossible.Wemusthearheart taunobler than 60daysafkrevesentyoutheWbillon which the armor p rbkroappeered. You can We*m us, but doing so void and proserveyovr rights. In your letter, give us the knowing irrimaeim: Yw tame sndAooout rrenber. ` Thedollar dMIMIEd the SIMPOded Ma ' Describe the wor and eapbn, f you can. why you believe there is an aoor. 4 you creed more information. describe the aem you are unsure about. You do not hewn b pry arty amount in question while we are iaestige in but you are All ob6gered to pay the pacts of Your bill tad are not in question. YNde we investigate your ¢reaian. vrocaaal repotyou as hemprentorteke erryera5on minted ore amoud you ques£aa. SpecialRule for Cradle Card Parclaso o: Nyou here a probtemwidr die ghatity d gbodsor services test you puchesed wih a cradi card, and you have bW ngmd faith incorrect to pro6lua vnittAa alerdart. you may not have m pry to MffWF*V account due an the goods or services. You Ism the proadwh or* When the pudase pdasas shore than 550 and the prrdrsae was trade on your bona stale orwitha 100 roles el your sAft akkess. (two own or operate the merchant or 4 we mailed you the a lvMarnrehd forthe goods or services,atphrdoaa oaccoveodmgadkndtheammMorbnbondphsdhese.) Payments. Sad atyyourpeymed and the tap portion of Oils slaternert in to aswelope pavided. Do no send cosh. By sendvrg your deck as described above, yea aWrobre us to sea i olownelim onyour doedu bmMa an electronic fund tramier borntaraccowrat the financial ms"*n idicededon you dock or to process the paysaMasa dads transaction. tpayasrtisprocessed asandecftkkehdtoskr,0*baratervatbefortsarnouMonthecheck.WdheaweLoss, nfamabonfrom your BacktoaWwaneW', it tenser, haxe rreybe hv4hdiarm from youramout as soon sat the sweday we receive your paymenl, and you ill not receive you dads bad ken yur fnshcal inrs6ktLae pffpmd only bede yed4yousend,conetpmdereedxafariEemsw4hyoupaymerd.4yousenddapaym al brayother adl orifyouuseen ethsabpf dtler them tenon pnovlded. Paymahts rcoerved in grope faratal our prooessag ?y by 5P6A iota! imeon arh7dav hw16e_ merited byoaRxoudasdtW day. Payments nolited at ourptocasug bcttly alter SPU local Orne will be oadhed byourAoarian/asot?tte road day, Ifyou Ilene misplued yoriroammoo- iiW"yourpgyawitlot)eootiet PO Box rcslbm l4 asap [leebonic dabil 6103, Carol Steen 16O1975100. Phase stow 7-10days for delivery, t your payment is resumed unpaid. we reserve the right la Ycu can prey yabr rninihttuat paymerrl tie gnoear ereouet awn to lebphona, cad yw eon ser upannorrhetie peyrtams. Cat us at 1.800.347.2603. YeuvA rheedtis shownert'ard your Wnkaodautrddmeton Yau must erstre dal stdtderht fads are a a lath in yoathatic auxxar t and ad barnsectiarhs 0asto=* with U.S. ens You will be asbdio phoaaeta tot S uligas dycuraaanl aeteseat r5p code. Byerderirig ttoca hwartas es you drbcbonicsignhdue, you hvA bur apeaig b tlm auAlcrimtim b allow usurnd yoab.dn bddnuet eedn psy htywsalhaiasOsmynabsNeecooaRs?dbhraistaueb4orrxeyta??esbyoubankrwcourt esrnppbceMe,toeorrect anemuntopmoss"olsuch puymwhtYou"at bfusfroatrwddsadrpsprwt.aywransoledehsmaadsufiatok6riahrmPageantLAoeatheNswBalanceoneach downed. VWemurarr , a pryrarokhowerverwe mast taoeNe ndfoeat eaalteea buwaass doge in advanca dtnesdoditd payrrwA Yarn ahoy aotily hs by {tcns at i500.T47. W of by mad at the addressfstdin to previous pmapraplr• tyour,payhtatfs hnsyvary b amount wavvi at you on each mant+iystshnwd hrdan lean paprwt hvi be made and how much 4 will be. YourAumus a peyr a d arnonnt maybe less tarn ad?ledem pamantty ayNeaaA based our cradle a paymads appied during to bXx+g eyde• Cradlt RepaWg_ We maysepal idomaCOn about youraWKW to medt bueats Late peymeds, missed peymeds, or other defavbs an your. account" be A -1 in you credi raporL yle rwmidynpastlos»tucand payrnert Ipstaryd yen Aaart buedie thepatirg ageuhdes each rnorth. t you believe that our report s rnaoCaehe or i conhphte. pease wrxe us a ft kkvfng address: Dsc", PO Box 15316. Won i gim. DE 190545316. Ptesse include your rame. sddess; hhame felephme aonhberand Account rrrrbr. P8WM RWXE C WOM Periodic Fawhne Owges are imposed on all ear ssaw s from to date fo transaction a posted to your Account Wd the dale you Pay your entire New Balance, by mdmng payments orraceWirg oredts. Ilohever.4youpaid the New Balance on you poems billing delerneM by the Payment Due late show as the sdeteewl. and you pay prey NowBelswe bytes Psymert Due Dab an your carert bi4'ng stelennerd, we wigM impose Periodic Finance Charges on new protases. OW is, prdmes Wsl appearing onthe o e; syaknort We call this to gooeperiod. Odheo vise, you void racewe a birmg downed nerd month that includes Periodic Fiance Charges on those new purchases. There is no graceperiod orrba4na ba does or cash advances. WB sod yaw trarsstbpsibgraups of padases. cash advances, and belatra barsters and boon huther sod the barsacb s within each gragby dim AnualPame tape Rate. For exanpa, ptrdaus soo j t o& promoionai rate and pudmn w*d be smMadraW rwt4d be separate groups. We steer to toss groups as trahsactom odeposts, Al the end of each blbrg paid, we oarpt - bahnces and Pmodic Few" Chmges for each day of the bung period for each transaction osagmy. We weft Mowing eQeabert b oaapult, Periodic Fawwe Ctwgn breach t meAcom cabgay: Average Daly BWwm x mn*w ddsys m the belting paned x Daily Periodic Rare (YOUaay rater b the dranedwge sumrory onyour birgslManenifathese armorial ThenweadduptoPeriodicFinance Charges , for each baraadiaantegory to geltheWP11klieframmCangesfryour Account TheAverege Daly Balance is shown as zwo 4. because of the pace pair!, no Periodic fnarnoe Cherges apply to the balance in a bansecion category, ft tee t* hwage 0*G darrcq o.whdng raw barsec6odhs) rnedad of cakulaug the balance upon whtch we impose Periodic Fiance Charges. We cmprle pbAreroge Dady Balancefor eaob berhsac5ouerabpwybyediting uD at the rleily 6alamoes n a bibg period for a tramsactiem calegooyard diuidng the cote! by the mater ddsfsat(a Dp'rcg cycle. VOe am" todailybslarmtereachtrarsadwrcategoryoneach daybylirdaddingthefollowing btheMemo dagsd*beW"transactions motetatdsy,leesdwgsdthat day and Periodic Fiance Charges accrued onto previous Ws defy beMure. and by than, subloacting any ceedds and payments that are applied against tobalance rite transaction Celagary o nfostcat[ nalaNbag to defy bdenoefu the told daydfa bbrg period, wetansidwthe "previous day's bale nce-mlave been yourbale ncs for each transaction ategdy omahe trwdbydyar prevras bifng perio4 He transadiorh a posted b yrwrAowuMater the dose dUe bdbg gheriod in e4hitn t oaxas, hve wi trealte basecioh as hav ig auxiarod err tr ihmtdrydto Wfrtrg period n vdhich A k posted bywAcoaiut Affeei weaddadtotestandard purchase transaction ccaosbts"gdyvmhtheexception dCash Mance Trarssdimfeefinance atagesw4doereadded mda eppbab nueimaskegorysndOalahdeTraster Transaction Fee, FnaaisCharges which areadded to theappkce6labaleahoatrauatabansastimsakyody.When aspeaYbalance kaualersalesopies we movelhs_trpeidbdeucedtdebeance tafalp(8lhdtlfeBalance TrarserTrarsactimfeeFvwmCharges bthsstamderdpurchase aarserdioncesgoryc No vat dTthe he)edet rae las bees terminated ceder doe Orkuk Rao Pary we Wave the unpaid balance lithe bekrae traslar mote Balance Transfer Trans action Fee Fatima Ganges Is the applicable karsacfioncat" until the spatial rale wocdd tare expired. For TDD (Tekomraunudone Device for the Dew assfMbtce, please cab 12atF9p-7144. Diecover cony mmiorarsdloc record telephone tans between, you and Disoover teptesentsWes for quaky assuance purposes. The Discova'cerd is issued by Dismhrer Bards. Me" FDIC. OITSK170 New Balance Minimum Payment Due Account Number ending in 4210 DISC VER 53,011.82 561.00 Enter Amount Enclosed Below Payment Due Date $ 1 l March 1, 2009 Please make check payable to Discover Card or pay online 0 Discovercard.com, 04 SDSNWI 0001614 ELIZABETH YEATTER inompaperless and atione your account information more more secure with password- MOBILE EST protected statements only you can access. 221 SHIPPENSBURG Learn more at discovercomfpaperiess. SHIPPENSBURG PA 17257-9521 PO BOX 71084 it)rrnlirre [Ier..l.•E r?1asF CHARLOTTE NC 28272-1084 tt ! Address,a-mail or telephone change'Printchangeinspace liner{{?iii?iii{I?niiiir?ru{{{Irnitr{eriu)i.rtn)nir)r+ii above, or go to Dixover.com. Print your e-mail addres, to receive important Account information and special offer s. 000001986455381247552030118200065000006100 Discover More Card Account Summary Closing Date: February 4, 2009 page 1 of 2 Account number ending in 4210 Previous Balance $3,065.65 Payment Due Date March 1, 2009 Payments And Credits 65.00 Minimum Payment Due $61.00 Purchases + 1.06 Credit limit $3,700.00 Cash Advances + 0.00 Credit Available $688.00 Balance Transfers + 0.00 Cash Credit limit $400.00 Finance gw es + 10.11 Cash Credit Available $400.00 - New Balance = $3,011.82 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus' Cashback. Borws0 Anniversary Month: April Opening Cashback Bonus Balance $ 0.01 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.01 How Can We Help You? 1 Visit Discovertom to pay your bill for no cost view your p 1aft latest Account information, cam and redeem re?+wrds and more It's your choice - 3 ways to help 2. Call "OaDI5COVER (347-2683) For fast, easy self-service options or to speak with a Customer Service Account Manager Please hove your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Lic"Pty Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Jan 23 Jan 23 PAYMENT THANK YOU $ -65.00 Travel/EntainintneM Jon 15 Jon 15 REDBOX DVD 012W63 OAK BROOK TR IL 1.06 Information For You Balance Transfer after(s) for current billing period: Daily Periodic Rate: 0.01367%; corresponding ANNUAL PERCENTAGE RATE: 4.99% figgHgoCharge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily i6dic PERCENTAGE PERCENTAGE B ell RATES GFS - UJAM current billing period: 31 days Purchases $5.51 0.03833% 13.99% F 13.99% $0.06 $0 Cash Advances $0 0.06573% 23.99% F 23.99% $0 $0 Balance Transfers $3038.51 0.01068% 3.90% F 3.90% $10.05 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. Income Gap Protection gives you cash when you need it most - when your income is interrupted by involuntary unemployment, disability or family leave of absence. Learn how Income Gap Protection can help you_ Call in today at 1800-2401009 baporua[ Womratiar. t there is more than are page b tlis btmhg sialemert, see the bark leach page fa addd mal impo lam 6dommaban. See yaw Cwddemher Agreement Your CadffgmioAgMenibV oonlelu ON the temrs of ydrAccood lost or abten cords. Report imtert W Cal 1.800-377-2683. aft RO& Summ". in Cue of Enos orOuesfiCrsAbout You ft. tyou hint you b l is wrong, or if yea need more Wonnaem about a tranaadl0n m your MI. vwle to us on a separate shed of paper at Dkw-ff, PO Box 30421, Sat take City. UT 81130.0421, as soon as possba. We must hear from you no later than 60 days after we sec ym ohe W bbl m wteer he error or problem appeared. You can wkplwne as. but doeg sown na preserve your igMs. In you leper. On us the blow edomsion: Yar name andAcmxd raarber. - Thedoleremamd at the uspected erect Describe ibe error ad explain, d you can, wlyyw befiew here is an error. # you need more Womrsion• describe the dam you are unsvxe about. You do rot have to pay any amaxt in gces*m while we aye irtvtsb9ai'9, but you ore set ob%awd to pay the parts of you lib to era not in question. We vve iwesbgate your quesim•weearv repotyouasdelrrgrredort&Wamyac6mtooledtheamassyouquestion. Sphxdel Rria{pr Credit Card ParcMap:OywMva a probem widr the qurilydgoods or services 11re1 you pcmdrased ridr a peel t aril end you have kiwi n gaxl fedh ro ca red due probMwwdh de merdhaht. yp+meY not Moe b ppasyy trerdnanng emoran due m doe goods or servixs. You have this prokdon ordy when du purdrosa P" was more dw 556 end to hirsaawasmadenfarhavea4leawhYsh100miles of youmafrgaddress. (tvweownor operate themarchers. or twomWedyoutheadwntisemedforthegoods of puhhihue.} services, atpwdhases are covered regarded dha amatMOr braton ot Paymeati.. Send ady yea payment and the toppdm of ha stormed is the orwelope provided. Do rot send cash, By sending your check as described stove, you sahorixe us to useielmaationan yax.dhed bh anefxtroracfrmhdraehelrfromyouraccowdatthekw:Wka hmkwSwkdmyoudredortoprocessthapsymertasschektransaction. t payaserd n processed as en decroeeekxd 1rasMt pheVagskrvvh9be fordhe anomd on dm dmk When we use nbnrebon from Me d*dr b make an okarmictund transfer, 1uhb avbewkWmvntorn yocravomtmtassoonastMsame dayvve receiveyoupayment. andyouwinnoreceiveyeacheckbadetomyour &wxmdnsfAAm. The prooesairg of yaw payment maybe delayed if yea and cask owespo deme a other items vim you pnyaent, #you send the payment b any odwadhessor d yw use an em WWo0rer Om the oneprovided Paymentsreoeive6inproper formatcurprocessrgbc&yby5PMlocal 8meonanydaywitbeaeMedtoyawAccaadasoflooday.Payments racrivedd ihu processing fadRyalierWhi local w4vribe aecked to yow Aowu das of htr nerA diyltyou has iihispbMd par envelope. send you pay me" Dirccv". POW 6103, Cowl Steam, L60197-6103. Please allow MOdaysfor debwery. t yew psymed is rokarved unpaid- we reserve he right to reukait d as an electronic debd You rah pay you m W amn psymeed or agroele amount ww do telephons, and you an set up automatic peymeds. Cal us at 1.800.347.2683. You wt need this datemenl and your bad soaurd 0411110160". YOU MdO ersrxe had SUM611rd frwdaare available n you banh.aceo^ and al as wadions must omgly wih U.S. law. You vdl be asked b provide dm fist 5 dgasdyousrxn xd aMMwrerdap oak. BY erderirgthaw mubas as you slecVOnc s4naxe, yea wit be atgre" to to "hor¢a0on to slow us *M you thank to deduct each payrad you ehdhm e, from your bank smouA and brAft dehitoraeda MOM toyou batik account as applicable, to caned anew at the procesemp dsuch payment Yea must Mtustaanohadofadopapnert,oryoucenselect aumordsuch astheMWmmrPayment Dieor thetdewBalance meach, downe -Yourahcancel apwpwtdhmwmwe must reaps noticed Mast wee braimessdapn advanced the sdedukd payrnad. You may mifyus by phone at 13011347.2683 a by mei m the adaeaa kskd in the previous 1rw9raPhtyampef-ftmay,mrytnamountwesellttyuuoneach nordlystakmrerdwhenyowpaymerdwdlbe made andhowavAd"be.YourAubmstiepaymemarno w mybeleu Ow mdicaledaa he monthly she nerd based on credds or payments applied during ftbOl erg cyde- CmARepodlr4 M may report idamelionabat you amount b crack Weaus- late poymeds, messed papnenls• WOW detauks m yvxr a=oud maybe reflected in year credo rapoet ikkrlormdfy report the slehsardpspnael hsteryd youAooaxd bcreda repating agahceseadh nhonh tyou beleve that our nepat is n.=aateor ihaasplete, phrase write to d tar fallowing adieu: pscovw. PO Box 15316 Wkninom. DE 19950.5316. Please ndhde yam now. address. hrarhe teiepbrone nhurber a dAaoud nunbet PErMW NAME CHARGES. Periods Finmbe Owware knpwad on al t wasobons from ibe dale the kauacbm as posted b your Amount tong he dog you pay yms entire flew Bahnce, by m&WV pwA-h a aaeeWV h, I I -HOtrovef dye paid the New Ballorroeon you previous bbl 9 statement by to Paymerd Due Date Owen m hat statement and year psytMflew8dence bythe Payment DueDdem youwrem b ft statement: we wit not impose Petiodic Fnmce Charges on new pudwes, hat rs, ptwdhues lost appeerirg an to wad slatemert We adds to gwe period. flherwae, you A receive a biiig sWenaad next month dot wOudes Pnfodc Finance Charges on hose rvew purdQses. There a no grace period on balaws transfers or cash ad waves War seat yow ltasacdons bdo groups of pud>ates. ash adumnas. and balance tremlets and dean bedher sod the trwasctias widen each group by theirAnraad Percentage Rate. For exmVK prxthues erbject toa promokotat raft andpeadsces subjW b a stardwd rate would be separate groups. We refer to these getups as traracoah categories. At the and of each biigperiod. weamphAebelsnoeaadPeabdcFirm Cheigesforeachdaydtobbfrgperiod beach Vansacbmcolla cWeusetheWowingaWelionbcwpft FMiodo FwnceCiwges for each karsectm category: Average Daily Balance x am6w ddays in fie WV peed x Oily Periodic Rant. (You may refer b he ihence charge the babloge nce in to transaction category. ?9e5 for Y? oAwowwk The Average Daily 8dace is shwa liF because of Ow grace period, no Peio Fvm m Cbmges apply b case" Wt rselaeAvemge BaLrhce (Klrrdwgfhew talrsacbols} metlhod d afaleurg the b9lBrhte h4or' wlhhdhwe itnppse Pariodc Fmarhoe Charges. We comport the Ahserage I7ady - 8elaheebreschtrahsecVOntmagonybyaedagtpddsd*bawesnaW4period walrasockmcategory wW4mf themialbytheourberddays atieb Vcyde We compa thready bdum breech trmrweforr caWy on each day by bat sddrg the Mmirtg b he previous day's daily brace: transactors made rho day, lees charged that day wdPeiockFaunaChagesammWontopmnm4 y'sdadyrbata rCaidbythensubbactingahycreftandpayments haaeapplied ageirstdhebelaneedrietramsactm cane"d" tpl dayAn celcrAeing he defy lhelenoe for Metksl day of ere Wig period, we corsider On -prevras day's bslahce- to have been yaw behinee for each transaction Comm On to (&A deydyew pmviasbAV paiod.9ahersedlm is posted to you Aar mad after he dose dthe bing period in which it o=urs. we wh9 Veattie hansocion as hav- igamredm the tirelday d the biig peeiad a wthzh d s pasted b ytwrAooont Alfa ?,?mimd aesdbdbtusWdmdpurdaaaebavsednmak9uyvndhtheexceptimdCwhAdvanaTucsaction FeeFuhaneeChag which are added to the likaasactimoalegayamfBalwoeTarobrTcomaciarFeeFivowesChergeswhich areadded btheapplic"l, 1- trarWerVarsachoncategory.Wherr aspsmlbaistoehanhelatautertpwes,wemovetheupeldbakrhcedtlrefrelatrcetrasfwandtheBaMnaTmisferTrasacbonFeeRwice(,Ymnges ohesw4w pudwe barsarfsacdegory Howwr, %M=pecid rate has beenteminelod order the DeW Rea Plan. we leave the wfaid balence of in bsWm tiwwW and the Balance TranslerTrans- ahdonFeeFnance C heoges islhe appkable kanseclonafegory urd the spwW ratewodA how expaed. For TOD(yelaornmmhic4WMDavbafortMOead}aaaiataxt,please CAI- 0-317-7449. DiworwauymorwWandicrFewdlel*xmealsbelwamywmdOlsWWretxe OMOvesfaqualyasstsanceProposes. The &Kwm4 cod's issued by Discover Bank Wnnber FTNC. O1TBK170 C `, p dosing Date: EUZABETH YEATTER DIJCF ') tl ER February 4, 2009 Account number ending in 4210 page 2 of 2 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date; April ,4 Balance Previous Cashback Bonus Award Balance $ 0.01 Purchase Award This Period + 0.00 Cashback Bonus Award Total 0.01 Cashback Bonus Award Balance 0.01 Award Available !o Redeem $ 0.00 8860290 :Restrictions apply to the Cashback Bonus Partner offers{, visit D6mver oa, or call 1-MG-DISCOVElt 11-800-3b7-26831 for ails. For program details, see the Cashback Bonus fragram Terms and Conditions. New Balance Minimum Payment Due Account Number ending in 4210 DISC VER $2,744.51 $55.00 Enter Amount Enclosed Below Payment Due Date $ [- 1 September 29, 2009 Please make check payable to Discover Cord or pay online 0 Discovercord.com. 04 SOSN6A01 0001621 ELIZABETH YEATTER Go paperless and make your account information rmation more secure with password MOBILE EST pprotected statements only you canacoess. 221 SHIPPENSBURG Leam more at discovercondpapedess. SHIPPENSBURG PA 17257-9521 PO BOX 71084 {{)nn1{{108{{1181{100{1{111{ CHARLOTTE NC 28272-1084 Address, e-mail or telephone chongO Prird change is space I 3 ur1JIrrrI nirl,niffirr11 udn)nl{n?rr)rt)r{n{? above, or,go to.P4cover.com. Print your e-mail address to receive important Account information and special offers. 000001986455381247552027445100000000005500 Discover More Card Account Summary Closing Dale., September 4, 2009 page 1 of i Account number ending in 4210 Previous Balance $2,778.59 Payment Due Data September 29, 2009 Payments And Credits 56.00 Minimum Payment Due $55.00 Purchases + 11.66 Credit limit $2,900.00 Cash Advances + 0.00 Credit Available $155.00 Balance Transfers + 0.00 Cash Credit Limit $300.00 Finance + 10.26 Cash Credit Available $155.00 T New Balance = $2,744.51 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance It 0.18 New Cashback Bonus This Period + 0.02 Cashback Bonus Balance $ 0.20 Cashbock,8arxu® Anniversary Month: April Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus)R). How Can We Help You? 1 Visit Discaver corn to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more ft's your choice - 3 ways to help 2. Call 1-8004YSCOVER (347-2683) for fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us of Discover Card, PO Box 30943, For TDD {assistance for hoaxing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. 0040 Trans. Post Payments and Gedits Aug 29 Aug 29 INTERNET PAYMENT THANK YOU $ •56.00 Restaurank Aug 18 Aug 18 ALFREDOS PI77A SHIPPENSBURG PA 11.66 Fqjf.harge Summary Nominal Transaction Average Doily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE ces Rimes RATES RATES _ CHARGES CHARGES current billing period: 31 days Purchases $87.90 0.04997% 1814% V 1824% $1.36 $0 Cash Advances $0 0.06573% 23.99% F 23.99% $0 $0 Balance Transfers $2689.76 0.01068% 3.90% F 3.90% $8.90 $0 The rates that apply to yaw Account are either fixed (F) or they may vary (try as noted above. hopoAant bfom allom t twee more Then one page to ins Wing slaiaeerht see the bade of each page for additional inporUMinfomglien. v See your CudmeeibarAgimmaYowCanknern Agreemerdconains910etermsdyorAccount- Z rA Lestastollen catdc.Reporti+media !Ce114IW347-2M Q BllnyltdylrhSumquorysInCased FrrasarClue nsAbaAYorOWHyoublinklour bill iswrong, ailyouneed moreinformation about atransaction onyour big. wrikbusona o separate sheet dpaper9 Dkoom. PO Banc 30421. Sall Lake Ck UT 841"21, as soon as possble. We must hear from you no Wlertgn 60 days after we sent you the rase bH on o vdeydhthe snorer problem appeared. You= kleplhone us. but dongsuw2l not preserve your rights. In your lever, give us the blowing inkMaabon: m ' YorromeadACOOrA malabex. ?' ' Tl1E dolWr aeblMl d the wspeded era Describe The error end)#an, d you can vdry you believe tl>ere is an eta. 9you need more Information, describe tae Rem you are rrsm about Yw dondhavebpa y at w arm it question white we are bvalgatng, bed you we still obligated to pay the pads of your bH thatare riot in µrestioo. VA* rte investigate yaw gres6oa wean of repot you as dckq%W or take arty action b Pled The amount you question. Special Rafe for CroM Card Pmdwes: Iryou have a problem A& thequality of goods or services That you perdnased with a credit cad. and you hire tried in good Net b Correct tepeablanWilli CmerdrentyoumayrathavebpaythesenwktrgamenddueateOhegoodsorsavices.YouhavethisprotectionanywhenThepmdhesepricewasmorethan$W and tee pmhasswesmedein yourhme SmM uwft 100 mdesdyrourmaauhg address. {ewe awn a operate de merdwd, or Awe maiedyou the advedse nem forte goods or salvias, alpe>adhsses aemvsed regarAess d Theama,m a texacm d pwdese.) PayataMC$adadyydrpayrneretadthetappotiondthe it the Conebpeymawlied,DonotsuedcashBysuAvyeadeedsasdesaabWatlow.yeaamwkeusto Useirdsrrr -5, Coyer deck bmelceanefecbalcbdbaroarboreyour amendatthafinancial instdutionindicated onyour deckorbprooessthepayment asa[hackbarsadon. 1 phpewdis processed as an elecbaid fond trans*, 9elraddrwilbebfgive andMl d The dhodr. When we use Information hwh your deck b maaean ekcbooic erhd Trans*, f ndemaybevi lulneva from your aanud as soon as tee someday we soothe you payment and you vM not receive your deck bade from your koxial insklim. Thepoaaisgdyrnrparool way be delayed If you spend aAh, conevo denceor other 4ens with your paymetet l)ou sad be pWrard hoary der addess or N you use an eavdgieoMwlanfheenepavided.Paymeatsteaivedkpaperfamatourprooessin9taWdyMSPASbahbraemartydayvAbeaedtedbymAcmatasofdw err Payments Rveitedatourp0oesei bc*ate" local limewllbeaediledtoyburAarwntasdrlheresetday.Nyouhave maplamdyouenvelope. sadyourpalymembD-W. PO Bo. 61W.farot Sbean.ILtffi197?103. Please a0ohv7-10 da7R fadebery. Hyow payma0 s rehuured unpaid. we reserve era right b resr8uhdt d as an eledrraicdeb4. Youan pay your vin morn pnpn edor a greater amoaAmerH+ekkomm arhd you an set upauoaadc parnerft Cal us at 1FU0.347-2613. You will need ft aalemerd and your falnksw" kemgiak You oM adwe Thor PAmM k"aeatgyallen yaxbadc accoum, and d bansarLahs mg nm'aylywile U.S. law. You wit be asked b provide tee" 5 dyilsdyouacoaet slaeamM 7.IPaide. By alaing Olm m nt ets asyour ekdmnksigrowe. you will be ageesg To Ohsauhfhoriza9on baeow us and yarbw* to deduct each pgme tywa lho¢e loom yrourbai account and to Wivis debd«oedliemries to you bank KcWK as applicable, to coned on error In** pnocessingdside paprwm. You roust let us the aewd dachpayxgM or you an sated an anho rdsudh ride Unimnh Payenerd Due or the New fiafance on each stateroom. You can cawda payment however we Prat rehxiv, nlim atfuld New busiomdoys in advance d9*3cheduled papoem. Ye. may noMyus by own at 14WM7-26113 or by mad at the address bled in pee pefous twapraph.If your payOwrts vary k amount weed fell you on eachPmlNystatement Wum you payment y d be made and hoe much 4 sid be. You automatic paymed amount may be IlmIm k d cmW ontemor" sfatoment baud on cre6kapwpw* appded6" die bang cycle. CradRReprrtlay We. may repel ittotmatah atoll yours oaxabaedd Iunead. t.ae payments, missed pairsems. or oft debuts on your accom Inarbe receded in Your aed4 hepaL this hhomhmly repoRtle hmabs mud peynheret t slay dyaurAaorr0 b crcdm reporting agendesearh mahtlt H ye. beleve Qgt our report s iracaralea inoonpiek, plem*,We m atile h/owhg address: Discover, PO Bar 15316. Ntkirgbn, DE 19150-5316. Please include your name, addirm, home kkphone nbrraberandAcaug mo nber. Gram PmlodonPmdmes(atleast26dapa We beginbimpmPeedoftFeguceChargesonalhalSacdonsfrom taeTrasar8anDate for de transaction as mown on your bragd enev0ulessalghsarBorhIspostedbyarAoootrda0xthecoosdtleftlbgpdtodkwhich4oaaarskhwltdtaselhebeginbimposePetiothcFugnreChargesonthat draraadoa for do kadayof to bifng period in which Itsposted b yaw Amara. We cw%* to impose Periodic France Charges uobl to dale you payyoura*& New Balance, byawkv aytaeatsareaimgasks.fbwew,,4ywpaidtatimBabmceonyourprbusM'HnjstatemerdbythePaynerdCueDate slwwnonOwbillrgdeterrent andywtwy to plow aacebyFePeynaarDueDale onyour artemli<regstakmddwew8Poll uWoxPenodacFinance Charges onnewpuUgses,dWIs,pwdawsWappear" onOx axrw bing smkment MVe CA Mite VM Paiod.- There is NO grace paw on badaece trailers or cash advances. 1116tfaasa Ffrranoe Charya. the will charge you a minimum FHIANCE CHARGE d 5.50 for any bdfng period n %4k h Periodic Franca Charges of lesstygn $.50 Woum od*Nnse befeeteesed. Amasel FeL IyawAcapud has an annual tee, It Nil be bilk el at the beginning of each s hrim% y year your Account is open. The amoral of tae lee appears on tae slatemerd when the fee is billed. The annual be is not refundable Unless you ow* to OW you vdshto dose your Mowim wuhin 30 days of The mailing or 6*4Wdakdthe datemamon vAk h ere lee is b& d. YouwHre eivelbisrefudevenHyouuseyvafaddoingThalperiod. PwledlG Fmwhoe Cbseges. We sodyow trareacibs ido gwpsdpAchas s, ash advances, and balance transfers and Then frahersort to bansadons wftfn each gearp by 0 ekAm usi f rodhlap Rote. For exanp(+: perdeases shbjesiba pmnroiaiai rateana pudgses Subject b a sldidard care viuafd be'separate gragrs. We refs b Ouse groups as tralleaderl(Jlegnlfe><At dead ddudt MV period, wemhpulebabno s and Pedoft Fkaece Charges for each day of the Ming period for each aausacdon ee&". we use The h9 eq?mtimboapde Perio6t Finance Ganges beast lrasarsm wlegoryc (A>??y) Orna Wars b ?9 pniod)fimaiDlaiyPmiode tole) (You moytder b ibe bw mdtaW=mnarym yowbiigstatmrwtbr These amu ds.)Then we add w tae Periock Finance Charges beach trasadion category to get thetoeal Ped06cFasuoeC mp sfa yo rAomwet The Average D*9ala os s V~as 20m i1 beaused the grace period. no Pero6c France gxrges apply lathe balarrr n a Yate useHeAvuWDely8darae{adudig new lansat6ors)CoaleddplahWMg tie batarpe upon Mnehwe 4rapae Periodic France Charges. Weoo pule TheAverage Daly Balahoeforeadheasacfipraakgaybyad6ngWadlaedaiy6alanc?asisab%VpeOodforabafnSacbmempyarid*4*gt*tMbytem nbuddaysintob*gpmW. WeaoapulleYedaylyakrrabreachfrhtnsectoncoleMen eadrdaybyfpstaddnglefdwigbthepvA=day+sdaybalow.iahsoolim wdhaThesecdonDabdihat dayaahtihownatybarbcingabpasd tadessthebasactionisposedby=AcwmaleThedmotdiebdbgperiodinwtichkomn.inWkbc setobasacihmwallbeaddW b lwd* babme adit iMday dTha bdf g period k vW&h 4is pooled byarAccant lees dwgW lea day and Pahnde France Charges amour m Ore previous tag's dally bManc?q and by then aub?aetrrg ay 0,, and payawrs Mao applied ageimtOee balahc>eof tee transaction aeegoryon 0W days In calculating Ow"balance for the tmst day of Jtxlod weeaaida The'previoesdays daily fJaiahcE bhare UeenyoubaPanoe for each to radon category on be Wst day of your pevious befog period. AlfeesedharyedbymrAco wdoreaddedbthestatnd1 padgsefadecimcal gaywinTheeaaptandCashAdvanceTransactionFeeFira106Ch" awMchoreaidedbThe app/caYlectdhadwrhoetradaclon at," aW Balance TopslerTrardadoe Fee Finance Charges which are added to Oe applicable balance traslvlasa ion category. ripen OeatpetWraeeespires,we.aurafreeu1paWbalarsedThebalnostansferanateeBaWncaTraslerTamsoction Fee FinanceChargesbiteA, " phuce.9etrasactorhabgory. diowavat Hthe apariad tads Igor ban lNlrl1w wader The OdadRatesedw we leave be hmygid balance d the balance transfer and do Salanoe'ft'mhsfer Taasarbon Fee Finance Ggrgesia tle appicabk baWeoethander graactiohh abgay urOdOespeda rat waAd haveapied. ForiDD(fdecomaambaHorhtOevke/artslkaf) ase,plowall 14/10.847-7449. Dsoouvem"maritorardbrwoordkkphonecalls boweenyou andDecoverrepesenteewsfaaua*assurance pm ores. The Vocovet' cod s Iss edby Discover Be* ktenberFDIC. O1TBK171 New Balance Minimum Payment Doe Account Number ending in 4210 DISC VER $2,832.14 $57.00 Enter Amount Enclosed Setow Payment Due Date $F November 29, 2009 Please make check payable to Discover Card or pay online 0 Discovercord.com. 04 SDSNSADI o ELIZABETH TH YEAT ATTER Go paperless and make your account information more secure with pass or& MOBILE EST protected statements only you can access- t di L l i 221 SHIPPENSBURG earn more a scovercom paper esx SHIPPENSBURG PA 17257-9521 PO BOX 71084 iiirrrilrtriirrsrir?lriiesi CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Prirtchange in space above, or go to Discover,com. Print your e-meni address to receive important Account information and special offers. 0000019864553812475520283214DDDDDQD0005700 Discover More Card Account Summary Closing Hate: November 4, 2009 page 1 of 1 Account number ending in 4210 Previous Balance $2,755.56 Payment Due Doto November 29. 20W Poyments And Credits 65,00 Minimum Payment Due $57.00 Purchases + 118.72 Credit Limit $2,900.00 Cash Advances + 0.00 Credit Available $67.00 Balance Transfers + 0.00 Cash Credit Limit $300.00 Finance Clrerges + 12.86 Cash Credit Available $67.00 New Balance _ $2,832,11A You may be able to avoid Periodic Finance Charges, see Itte reverse side for details. Cashback Bonuse Opening Cashbock Bonus Balance $ 0,38 New Cashbock Bonus This Period + 0 29 Cashbodc Bonus Balance $ 0.67 Cashbock•Bonus8-Anniversary Month: April Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R). How Can We Hel You? p 1 Visit Discover corn to pay your bill for no cot, view your latest Account information, earn and redeem rewards and more it's your choice - 3 ways to help 2. Ca11 1-8004)ISCOVER {3.47.2683) for fast, easy sefFservice Please have your Discover Card available options or to speak with a Customer Service Account Manager . 3, Write us at Discover Card, PO Box 30943, for TDD (assistance for hearing impaired) see reverse side Salt lake City, UT 84130 Transactions $0 frond Liability Guarantee Use your Discover Card with confidence. Trans. g to Date Payments and Credits Oct 29 Oct 29 INTERNET PAYMENT THANK YOU $ -65.60 Morchandise/Retai Oct 5 Oct 5 DOLRTREE 2700027466868 SHIPPENSBURG PA 8.12 Services Oct 9 Oct 9 DISH NETWORK-ONE TIME 800-333-3474 CO 110,60 Jj% Charge Summary Nominal i ranwcftrt Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FRO&CE Bo Rates RATES RATES CHARM S current billing period: 31 days Purchases $277.55 0.04997% 18.24% V 18.24% $4.31 $0 Cash Advances $O 0.06573% 23.99% F 23.99% $0 $0 Balance Transfers $2583.91 0.01068% 3.90% F 3.90% $8.55 $0 The rates thot apply to your Account are either fixed (F) or they may vary (V) as noted above. Discover(R) gift cards make easy holiday gifts. Now save $2 on the purchase fee of each gift card - plus FREE shipping. Personalize gift cards with names and messages. Many have matching greeting cardsl Save through 12 31/09 enter GIFT4 at DiscoverGihCard.com Norm Om tf there IS morethan ore page b riffs bft sntemem, see the batted each page loradditimal eng atonbrmatm. v See your CardrnariberAWearned. YaaCahtimemhberAgreeme t contairs all the terms of you Account U' z Lost or stolen cards.ltepot immerAaley! CeY 1.600347--2663. g Bang Rights SummanC In Cased EmorsaQuestionsAboutYom BB: If you t" your bi'swrong, o (I you need more idomwGOn about a transaction an your G7, write b uson a a separated" dpaperatObcower,P0Bw30421.Soft Lake Cy.UT84130-0421,assomas possiMe.Wemust !xarfrom younotateram60days a6awesa+tyoutheWbig on a which lnea wor problem appeased. You coo telephone us, tux doing sowil rot preserve your rigtrs. k your kta, Sae us the Mowing Wonnabon: ' Yfxrname BmdAGCtut fUll?lf. N The ddxamaadd the suspected are. Desolbe4remorando Wn.11youcar,whyyoubelievethereaaneror.tyoureedmereadorrrubmor,desanetheeemyomare wan about. You do nothswe b payany ascut n question wi &we ae hnvestigafag, but you aredl ebkj*d to pay tie parts cfym bg that are rat n question. WW we bns&We yaw questort wecanrat report you as det:aquerdortabe and! action b cubed ifae amoral ymques6on. on e goodsor se vacs. You ham the pprotxtior myYAw the phrdmsepncewas more than $50 die prebinm hdlth line merdwA youmay have to pay the mmanbg arsount due th and to pu dWSa was made in your tans state, orwilhin 100 shies dyua mairhg adders. (if wecwn oroperak bhe merchant, or t we mailed you the edyerhemerd lathe goods or servtoes, al pusdusesare Wvndd regaedlessdAeanaum or loatim d purchase.) ta7yroada, Sand o dy your psymerd aid the top pwlion of this statement i) the envelope provided Do fat send cash By serhdng your dark as described shove, ym mawcae w to use irdonnaean m you check to make an elechrok fisted transfer term youramoum at the franc isl intibfim W"Ied on yourdheckorb process the payment as a dude Uansadbn. t payment is pmoessed as an eledank fund lawaw. thetrarmaerwrR be for the amount dibe theca W4heh we use iibmnalah framyourdreck to make so dedraBcfuhd transfer, turfs may, be w*4wm iomyouraccount assomn as to same day wereuahe your payment and youvF6 not racerve yaadledo back it= you Mrar dal khsE4htion, The processing dyoupaymaaway be debyW tyar send cash. wnrspoodence ord her llenswdh you payment, i you sad thepapnem to any other addressor l you use an emwabpe Otar than the mep ovided Paymakireaaved in proper format our proces"faaTly byr local amem any day will beae*ed to ywAccount as dthat day. Payments received atom prooestirgbaTiyala SPM seal free will be credited to yourAacaa! as d.1 henW-ft.. if you hzw P--A aced )car alvelope, send yaxpeymher! bDiaoovm PO Box 6103, Card, Stream, Q 60197.61 Please allow 7-10 days br delivery. t your payment is mitmed unpaid, we reserve the right b resubmit d as an etBCbemk debt. You on pay Your Mk*P mpeysnetaAl9MM ramountoverthetelephone,andyoucansetupauamaicpaymetsCalusat14M347.2683. Yetwill need! this slntoment andyour baAaccourd kdaastom You matem9 n thatsUflicidt Ands are available in Mw bank acowK and a6lrahaack4n must cow* weh US. law You w* be added to provide the first 5 dgasdyour amount slur erved23P code. By ei toig those numbers as your etectinicsignahre, you well be ageing bla wAvialim to alowus ad yourbauk to deduct each payment you auta>>sfromyour badtaccount, and to Mile debit ormW mines to yo rbank mmunt, as applicable. bcorectan pre n the pnoCessig death payment You m ttt 14 us the emardof each paytaedor you ash select an anomi such as the Minimum Payment t)the or the New Balance on each shlemert You can rancela payment; however we met moebe notice at leastIm bsnessdays a a&amce of t e scheduled paymatl. You may inof fir us by phone at 1-800,W-260 or by may at tbe address listed in to prevoA paagraph.Iyaw payments vary b amount, we will tell you on each mornldy statement when your payment will be made acct haw much it will be. You automate paymert amount may be less turn indicated on the mmWy Mlenal based on credits or Worts applied rising the bWV cycle. Craft RepolftVille mayreport iAma6mabout your account tocredit bureaus Late paymherftmissed payments. adrerdefaut on you aaxwmmaybetelwadnyorcrod ht'pat We n o uaally repot the SOW and paymordilsbry of yo rAaard toaeds reporting agendcs each month. M you behave Latour repol s i18CGAatE a ncdf4hlele, please write sisal the iotowing adhbe? ETisoae(P08ox 15316, t4rtnninytoth. DE 196545376. Please nclude yarrheme,address, tnorre telephone raanba and Aomint mum6e. CoacePertodmPnadhasea(atlas[T5daps Mbeginlonposaperiodic FinanwChargesaaa6 hamteTrarsacknDate for thetaxactimasshwmonyour n bimgstalemerhntes'abarsaclo a posledbyourAccountatterthedosedtheWagpenadnwhiehloccumowhichrasewebegimbamponPeiodkFkaw Chargesmthal ? ar ,, bansadon from the, firstday dthe b ft period in which 4 aphxbd to your Account. V& contmhe to impose Pedot%c Finance Charges unit the date you payyaw tree New Balance, ew8a>arhceow by the PaymeMOue Cagan m t at bling sbidneMand you pay 4 " ciedills. ioteva, ill mp t* N A li sbiemenk we ae t1ythe Paymetill Due Oak on yaw ba'rtg Wpm Periodic Fam Charges on new pudhases, *W is, purchases W appearing on the the axwdbilling sfa!e ea Wecallisthe gracepmWThereisnogravepemdonbagnrxbauhnsor cab advanom Mk mpm Firgnce Charge. We will daarge you a mir immh FINANCE CHARGE of S30 to any billing period it whirl. Periodic Fnanm Charges of ins tun 5.50 wauld otherwise be rrposed. Anmd Fee. tyo rAmoutfas an amdW W, k will beblbd at the begnnimg d each anniversary year yourA oxAmi s open. The amantdthe tee appears on the5410metq wfien the fae is bRed The annual leek nit Pet rnld8blenrders you, rdiy us telyou wish b dose your km rd wit" 30 days of the mahg ordetverydak of the stmemem m which the fee is bled Youwit serame this rdird even 9you use yourtard duingthalpend. Pa dolt FWmw Charges WasoRyou Vansacti s i ra e g r o rros rip rchases, cash advarwm and lrakrnce bamsferz and rierh Aslher say the transactio swilhn each group by c .a ?i s . ? theiAnruaFleoealagal7ale For emr*, p ud usessubjadbaptomndonN rate andpudhauessuWtoaslaadailate wmdd besepaale grails.Werefer btlhesegroups as ? , " tramelim degohim At is mdd each losing period, we co" baixaes and Periodic Fnarm Charges for each rtayd the billing period for each tansactm category. We use am bmohrigagwim b omapute Paiodo France Chagas for each irarsac6orh alegohy. (Average Oady Batancej Imes (days in WM period) limes (OaayPerbft Rate) (Y- may ureter b to finsumdhage suhuCay on yovrWN statameid for these amaxts.) Than we add Wtae Periodic Foonce Cbxw for each uasactim Category b9d the lobe Poiadc Fioeoe ChagalN Vour Account. Thehverage Daily Balance is shown as zero t, becasa of the grace period. no Ppiodre Fwunce Charges apply to ON balance n a III Osseo 90 D FR 11 '1 f3daaebra tasxfarh ga?taaaactaa)metoddcaiahWbngtlhabaWrarwuponwlidrweihpaaePerio6cnaceCharges.WearrptletheAverdge0* csaepany by adCeg ail and the dahy 6alahces Ire a bifsg period fora tarp category and dkddog tbe rota by the rcrnber d days let lr hiSrhg period. We aaapele lhedelybalanoebreach trarsec3malegaym each by by fxstaddrhg IhefolWtigb tha Cando rs darsAetytplana: ?araactiors with aTrwsac4m Dated tat day as afaerh on yarn bNhg s{afenent, uriess the ussac6m a ptaskd b yourlloooahl a6a Una done d the biftrgpeCOd inlladh it uows, nwfaidh are the basactm ssd be added balance; aiW by Om b thedeiybdarhoeae d tlhe Yof daydifhe biltig pentad inwdhich d is Posted b ywrAOOart, leesduhged der! day ad PerieJt F7sahoe Chagos accrued an the previous rWyrs daily' to Wing perdaeca?theVre" credits ad wloasd*sd*baboe? y>bemyaxbaA foreachbbans axpga mmthelaiastdayd your previous Ming Period afirstmyd AlbesdargedfoyourAOmufacreaddedbtnesladasdpudgsetransaction aiegoeywuhIheeYaplimdCmhAd==Tiar actiomFeeFinaceChegeewhidhareeddedbire applicable Cash WoricebaseA catogayandBaix+oeTrarhdpTansactmFeeibhaaeCfiehgeswfiidaerr.addedbtheapp6rabebalxhacsarslptraasah maWgay.Whan thespeddrabehphes,wemormtheunpadbaloomdthe1 6 Paster and theBalarnTilasfaTrarsactimFeeRnanceBargesbthestar&Wpurchase transaofiata.. Fbwevet It the special Isle has bephimaxaaled ur derie Dda-A Rate seder, webove the unpaid balance of lee bae=bards and the Baiarm TarsterTranssdm Fee Finance ChagasnlheaWksble' I , Iresferbasactimcatrgorymetthespecial rawwould havempired. For WD (TdecommCmkatluu0erite for din Deaq asskfmn, please at U806347-7449_ Dsnveralayhraibrathdbrrh ad telephonewMsbetweenymandDiscovermpreserhlativesforquat'assurancepuposes The Obwver`cad Is Issued by Discom Bank Member FDrC. OITBK171 DISC ??/ER Now 41 Balance 04 SM46A01 0001624 ELIZABETH YEATTER MOBILE EST 221 SHIPPENSBLIRG SHIPPENSBURG PA 17257-9521 Minimum Payment Due Account Number ending in 4210 $57.00 Enter Amount Enclosed Below Payment Due Date $ F December 30, 2009 Please make check payable to Discover Card or pay online 0 Discovercard.com. Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your o-mail address to receive important Account information and special offers. Go paperiess and make your aocourd information more secure with password- protected statements ardy you can access. Learn more at discovercorrmfpaperfess. PD BOX 71084 Illr,.!lr,.lr.r..{..?cll.r! CHARLOTTE NC 28272-1084 i„[111t,t,111111 n,1„lr 1,,,i!lS,„!„!„€,ril„1„!„!, l„il 000001986455381247552028416900000000005700 Discover More Card Account Summary Closing Date. December 4, 2009 page 1 of 2 Account number ending in 4210 Previous Balance $2,832.14 Payment Due Date December 30, 2009 Payments And Credits 65.00 Minimum Payment Due $57.00 Purchases + 61.71 Credit Limit $2,900.00 Cash Advances + 0.00 Crecht Available $58.00 Balance Transfers + 0.00 Cash Credit limit $300.00 Finanu fltasgss + 12.84 Cash Credit Available $58.00 ?_ New Batonce = $2,841.69 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bortuse Opening Cashback Bonus Balance $ 0.67 New Cashback Bonus This Period + 0.14 Cashback Bonus Balance $ 0.81 Cashbock.BonusO Anniversary Month- April Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback BomnsIR)_ How Can We Help You? I Visit Discaver com to pay your bill for no cost, view your latest Account information, earn and redeem new . and more It's your choice - 3 ways to help 2. Call 1-8001DISCOVER (347-2683) for fast, easyselfservice options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us of Discover Cord, PO Box 30943 ' , For TDD (assfslance for hearing impaired) see reverse side SaR Lake City, UT 84130 Transactions $0 fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Nov 28 Nov 28 INTERNET PAYMENT THANK YOU $ -65.00 Nbrchandise/Retail Nov 19 Nov 19 WAL-MART SC #5358 SHIPPENSBURG PA 6.68 Nov 19 Nov 19 DOLRTREE 2700027466868 SHIPPENSBURG PA 5.12 Restaurants Nov 9 Nov 9 MCDONALD S F4975 SHIPPENSBURG PA J 4.65 Travol/Enierhirnmeat Dec 2 Dec 2 REDBOX 'DVD RENTAL OAKBRKTERRACEIL 424 28988210CH6LUSN2 Supermarkets Nov 23 Nov 23 GIANT FOOD #061 SHIPPENSBURG PA 14.72 010033 $$s42?? Nov 23 Nov 23 GIANT FOOD #061 SHIPPENSBURG PA 1.50 010034 Nov 28 Nov 28 GIANT FOOD #061 SHIPPENSBURG PA 5.32 010001 Dec 1 Dec 1 GIANT FOOD #061 SHtPPENSBURG PA 11 17 010037 Dec 2 Dec 2 GIANT FOOD #061 SHIPPENSBURG PA 3.49 010009 Dec 2 Dec 2 GIANT FOOD #061 SHIPPENSBURG PA 4.82 0100111 DiscoveiM gift cards make easy holiday gifts. Now save $2 on the purchase fee of each gift card - plus FREE shipping. PersanaSze gift cards with names and messages. Marry have matching greeting cordsl Save through 12 31 /09 - enter CWT4 at DiscaverG OCard com knporhMldomtatlon_ If were is more tan one page to tisb?ng stalerthent, see the back d each Page b addfaW imparant information. M See yowCardmemberAgmement Yoe CmdmemberAgeemmt owairs al tM terms of yourAccou d z m Lod aalolen cards, Report wanedaletyl Cal 141"74663. Do Sitting 010ftSummary. inCase of EmsorOWesdorsAbodYbrBit lyouMyour bill 'swrong.adycuneed more inlimationabaaabansacimonyarbill. mletousona o sepmtesheet dpaper atOiscmwr POSm30421.SakI**Ciy.UT04130-0421, as soon as possible. We must bear from younoI*rltran60days after wesent yoult first btilon o Q ith the atror or problem appeared. You an klephote der, but doing sows not preserve your kMs- in yca letter, give us the bbwwg kiamalioo: o • Your rameandAccounl number. A -The dolaamaad of the suspected error. - Desathe the a mr and a #*, lyou an, w4yyou b6m twee is anuror. lyou need we nbmalim, describe to Kan you we wan abed. You donallme bpay any aroutt in gtadonvdsle via wednvessgaSg. bit you one still obfgaDed to pay the parts dyam big Oat are not in questim. WMev a investigate you tpneslon, wecamot report you as dekamn! ortakeany ad5mto called to amoW you question. SpeeW Rule for CraJR Card Pimdhases:lynu have a 1xdAm with the q 2*0f goods orserAM that you Prdtased With a credit card, and you have lied 6 good faith b cared 6*problem Wilt themerdcad,youmayrnotdamebpayOremrainh amowddueonthegoodsaservices.YoubmOhsprotacdortonly whenltepradesevice VWmomflum550 and lie imsd asewas made in you hone mate orwithin 100 mlesdyowmaamg address- (Uwe awn aoperat Ore mxdtad, or Owe mated you the advertisement forthegoods or serviora, err ptrdgses are oaered nteganlless dtheatomta baton d ptrchase.) Payrrwds. Send only your payment and #* top portion dthM stalernmt in IM-,elope provided. tb nit sent cash. By send'm0 your dkdc asdesodbedabove, you aulydke us to w- irdanniorn m your dhedt b make an eleWaric bit basba traun your aooriuttal thefiveerdel irts4ltaiert in?atedtn yamdnedt orb process 1M paynnent as a checlr tmsaction. tpaymedispaooessedasanewmatcturdtrader,thetadawpbefatheamountdthedtedr.Newweuseinformation from your do*bmake anetecbor lindimnsfer, bits maybe wilt woonhoeryour account assoonasthesame dayvmreceleympapnenkandyouwinitreceive your cMdttadskomyarimndalinslhr6om The preonAV dyou payment maybe delayed iyou send cash, correspondence or aft hemswils yam payment, i you sad Ore payment to my Wheradbess or" you use an amebpeodw than the one pravded Papma moetved it proper bm atax pmcem9baNyby 5PM bral virtu m ugday wi be aedAcd byowAomwd-set ltatday. Payments receivedaloupreoessing YantiSPMiocattmevH!betrailedbyerrACmuriasdthethtatdayl(ydahfravgnlaplacerfyorenvelope,saidyurpaymeMbEYrsmver,froBox 6103, Cart, Steam 1.60197 6103. Please allow 7-10 dep for dewy. gym payment is MINmod unpaid, we ma" the VR to resibmil A as an ekxac icdew Youan payyoir minin m payment Ora greater amarttaa the telephoto; and)ou an sal up aubmaic payments. Cal us at 1800347-2603 You vA read Wo sWamaRand your bade accord Intormi don. Yormst ermn M %45=d Hinds are avalaM n yorbw* account, and all tratsadas mdixmpy wM US. laK You wwilbe ceded b provide theist S dig &of yeff account statement ZIP code. By &**g those nuerhers as youeleckonicagraaae you will beagreetrng to du authorization to allow us andyarbadc iodedud each Paymmlyouethertramyarbadwecount,andbiilialadabtoraedilw4mbyourbankaccocaasepplcable.tocaredanermrnthepmoes elsudrpaymer.Yourust tetussa manileach paymentayouanseledanamount suchasirekh*mmPayrnetdDueacheNewBalance meach summit YourancahodapaymeKhowevawe 1 800 347 2683 aby mat at IR addtex4vled r to pra+bus mustmodie voice at least three bsimessdays in advance of ft sdnd/dad payment You may notly us by phone at Paragtapkiyoupayments varyinamount, wewitfityouoneach monftswen ilwtmmyorpaytrent will bemade andtowmuch 11*6be.YOUrataamaOcpaymatamount may be lesstdisondhcaledonfiemonthlystatement basedoncredoserpay-nahsappleddahgthe!>"cycle. Credo RepeAbg. We may report idamafion about you amaadb aedt biases-Late pwpnm ts. missed paymanb, orother debukson yam atmad maybe reladed n your credt repot 1Ye rotmaly hewer the stars and payment h ataxy dyourAowuntb arch reportrg agencies each ma nth. lyou behave Out wr raper its naearabe a nmmpMre, please »r le us a rte MovkV addnas: Dtscwm4 PO Bole 15316. Wilrok on. DE 19850.53M. Please indade yaw name, address, home lelepfone number and Aeoouduatm Craw Period on Purchases (at Mad 25 days).4te begin bihhpwe Pericdc From Cbargesan al transactions ken l s Tfansadat Datelor Ora trehsadett as sfne+rrd m you biftrg W timent udess a transaction Is posladb yrourAo cow after the dosed d ebiitg period in w"K occurs. inwlridt case we begin to impose Patio& Hecate Chargeson that barsaeion troan thetdrst day d to 6iig penal ntatdr lis posted b yvuAomunt We contkane b impose treriodc Fmwnca t]tags utl the dale ywtmr yourade New Balance, by making paymadsa northing aeddx However, if)ou paid the New Bataoe on you previous UMS statement by Ore Payment Oue Oat shown on thatblingsgleowt and you pay On NervBabnceby the Payment Due Daleon your current billing statement, we wb nd inpwe Paio(kFinance Charges on new purdwes, list's. purchases tilt appearkV on tM astern Wing statement. We all ft tne'pce period." There is no gram period an balance trarders or ash advances. Wrdmun Finance Charge. We wilt doge you a miiimun FINANCE CHARGE of S.5D for any billing period in which Periodic FWance Charges of less than 550 would o"moise be vowed. Annual Fee. 0 WAccowy has an amuat fee, K nit be bind at the bedpnnig death m&ersay yea your Aomm is open. The amount eta fee appears on the statement w4nen vie feels bled The amcml fee is not refundable unless you no* w that you wish b doe yaw Account within 30 days of the mailing or delway date d the statmesdon which fie fee is bitted. You will receive lets retard even 9you use )anent &ft that period. Periodic Favaace Charges. We sod you kasafios into grows of purchases, ash adhnoa, end balmee trersMrs and then hire sat lie lansadim%*in each group by thdrAnmW Pacadage Rat. For esampM, puduses skied ben prmolatal rate and pumdvsses skied to a sfardad rate woad be separate gaups. We refer to these gimps as P,,, A" akgodmAttheendleach bongperiod. wacor"batmaeaadPeriodic Finance CJwVes for each daydtneWingperiod foreach basac9mrate" WeuseOwt otowig tgnr8600 Is ampule Periodc Finance Charges for earn aansacbon category: (Amaage Daly Balance) bees (days n cling period) tares M* Peniodc Rat). (You arynefertoi limu"drageamneryonyour brilMstatement forthese anounts.)ThanweaddupthePabrtcFitaceCharges foreach lareaimeaMgorytogettbe total P?raio Fdl? tic M forWxArmrt. TMAvempe Daly Balance sslawn aszem A because d Ire grace payed, no Periodic Finance Cherriesap* to the balance In a We arsegu?AerageDdyBala>oe@xk4xgnewtrwaactons)metoddafadal ;OnbalaceuponwhchweimpmPft*FinanceCfmgmVkcanpifttoAvaageOaiy BaMnmfor each transaction category by adding hp all No daiyrbalances In a billing period for a bar>sattierr akgay and dlv dig the totat Ly Ore ardwddagab rte bl6ig period 1%mhhpb Itedalyr balance breach tram aclon coppoymeschdayby istaddkg Oro Wmkg b the im Wiou d"dalybalanm: basac5aawith aTrasac9ur Dowd Own day asahl m os you Wig slalerrnenL unless the karaaCOdn s pwfed b)ewACmudalla Rs timed 1M Wing pernod n wltdh K occurs, in WK11c se to ommatldon wW Wadded to /tedalyrbelaroeas dIM ist daydihe Mop period in which lit posed b ywrAccont *a daryed Oat day and Paiotld Fnmoe Chagesatrm®d ml the previas days dally I aanosandbytttatsihbtracGtgayoaidsahtdpayraanLStlutareappiedagansttlnebolarnoedrtetrartsaevencaLa9aYmOWdayr.incalcua ikmdmlybeimceforOdefirstdayof tM birigperied, wen oosider the'pravotadaysdrlybafarice' b have been you betsoe torradt barnsactlort alegoyr m the East day d your prneNas bnTrtgpaiod. N tees doped b yc rAccou t we added to One star"dµndase kasadbmaMgaywih tro dreeplm olCeahAdaaroe Tw sxAOn Fee FinarceClugawtnah areadded to the appTr?le cmb adkwma bsdsacim abgayr and B7laae TmmfarTmwadm Fee Fnm= Clw"xthdd are added b the appKable babnW trarMfer basadOm atWy. When O e apeddwtetpka, we movetne hrpeid balance dote balance bender and ft Balance TbraierTharsaction Fee Fnahce Chages to the swAadpudase kansaciah allegory Hm~ ito tpedbt rate W sbeadtaminabd utderthe Default Rant sedim, we leave the apaid balance d the balance truster and V eBdernmTrasiuTrasadbn Fee finance CMrges ih Oteappkable balaroe trarder Yars-ac6orr aMgoy un8 Ute apewt rate wadi freveurpked. For TDD yTdw m necaOons Device fortis Dec) anbbrsss, phmeeat "00.W-7449_ D'ismvermay hhoaBK Mitorremed Wephomcals bemeen you ad MzWer repress rives for quaiy assuranmpurposes. fieO'ise m-c disissuedblDbww8adc.MmgwF C. OITBK171 DISC AVER R pays 10 Accnt number ending in 4210 1?1sc+?vEl? I Go green. Go paperless. 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Just enter promo code GWT3 at DiscoverGiftCord.com to save[ JkRM Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Pwiadic PERCENTAGE PERCENTAGE FINANCE Ba es Rates RATES RATES QiARGES ? current billing period; 30 days Purchases $31716 0.04997% 18.24% V 18.24% $4.75 $0 Cash Advances $0 0.06573% 23.99% F 23.99% $0 $0 Balance Transfers $2526.74 0.01068% 3.90% F 3.90% $8.09 $0 The rates that apply to your Account are either fixed IF) or they may vary IV) as noted above. Questions? Manage your account at Discovercom or call 1-800-DISCOVER (1.800-347-2683). /? New Balance Minimum Paymerd bus Account Number ending in 4210 DISC VEp R $2,852.83 $57.00 Enter Amourd Enclosed Below Payment Due Date $ [- I Fry 1, 2010 Please make check payable to Discover Card or pay online Discovercord.com. 04 SDSN6A01 0001625 ELIZABETH YEATTER Go paperless and make your account Information more secure with password- MO B I L E EST protected statements only you can access, 221 SHIPPENSBURG Learn more at discoversom/paperless_ SHIPPENSBURG PA 17257-9521 PO BOX 71084 1111r111111111811Is911list CHARLDIJE NC 28272-1084 Address, e moil or telephone change? Print change in :pnce ( ,?l u?<u ?, >>„{„ ,?n+11??rH lr (+i?u(7nlulr, )11r,1k above, or go to Discover.com. Print your email address to receive important Account information and special offers. 060001986455381247552028528306000000005700 Discover More Card Account Summary Closing Date: January 4, 2010 page I of 2 Accourd number ending in 4210 Previous Balance $2,841.69 Payment Due Dote February 1 2010 Payments And Credits 65.00 Minimum Paymerd Due $57.00 Purchases + 61.82 Credit Limit $2,900.00 Cash Advances + 0.00 Credit Available $47.00 Balance Transfers + 0.00 Cash Credit Limit $300.00 Finance charges + 14.32 Cash Credit Available $47.00 New Balance = $2,852.83 You may be able to avoid Periodic finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 0.81 New Coshback Bonus This Period + 0.1 4 Cashback Bonus Balance $ 0.95 .Cashbock.8onus6.Armhwsary Month: April Keep building your rewards with every purchase- Start redeeming once you reach $20 Cashback Bonus(R). 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 I Visit Discover coin to pay your bit for no cost view our latest Account information, cam and redeem rewords and more 2. Coil 1-800-DISCOVER (347.2683) for fast, easy self-service options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, Sob Lake City, UT 84130 Transactions $0 Fraud Liabr'lify Guarantee Use your Discover Card with confidence. s. Post Date Date Payments and Credits Dec 29 Dec 29 INTERNET PAYMENT THANK YOU $ -65.00 Merchandise/Retail Dec 3 Dec 5 WAL--MART SC 115358 SHIPPENSBURG PA 7.59 Dec 4 Dec 5 DOLRTREE 2700027466868 SHIPPENSBURG PA 15,00 Dec 22 Dec 22 DOLRTREE 2700027466868 SHIPPENSBURG PA 7.00 - Dec 29 Dec 29 DOLRTREE 2700027466868 SHIPPENSBURG PA 17 18 Restaurants Dec 30 Dec 30 BROTHERS PIZZA SHIPP SHIPPENSBURG PA 11.87 Travel/Enterfoinstwo Dec 19 Dec 19 REDBOX 'DVD RENTAL OAKBRKTERRACEtI 2,12 3136 f 91736FB2W3M Dec 21 Dec 21 REDBOX 'DVD RENTAL 866.733-2693 It 1.06 8860290 3136191736FB2W3M hnporbrtirdi m itim If tlure is mote can one page b tNs bafxg sFatariad. see de bade of each page br additionai impohtant irdornetan. rn O Sea yo rCardnerthber Agreement Your Caedmert6aAgreement con a of the Fenn of your Acarrnt. U) m Ind orsbkn cards. Report irirnadhatelyd Cab 7-SWU7-2683, o Wig Riots Summary. IsCamofErrors at OueslionsAboAYlmBil:Hyoutw*Y"billis svaagg..ar0youneed morenlortnatimabasa4ansacdmanyowbitwit/etousona sepraleshedofpaper a[Dkcmer.PO9me36421.Sanlift MAUT841300421,assomespassbie.Wemust howfromyaunolalertlun60days akerwesentyou**fFuta'lion o o which ere eeoror phobiem appeared. You can telephone us. bet chug so will nor pres shin your rrylds. in yourleter, give us the fabwkhg irdarmatox a, ' Yalf forme andAaount awrber n1 U ' The dderamblml d to suspected errant Desabe Teem and eViihn.9you an. why you believe tare is an errs. M you need more Womtation, desabe the ban you are unwre about -4 You do not have 7o pay anyamount in question wise we are investigating, but you are sft obligated to pay the parts o (your bil Nat are not inquestim. While vie investigate your Vuedon. we cannot report you as delinquent or glee any acbm b coled she amount you question. Spacial Rule for Credit Cad Prudoses: b you have a problem with Ile on* d goods or services that you purchased with a omdd card. and you have hied in good With In coned fie l 11 vibh be m rc ant, you may Ihd have to paytbe Redoing anwrat de on Inc goods or services. You have fib prokcdon ahoy when ere purch sepnrema s mare sheen SM ad to prrduse was made b you bane crate a whin 100 mks dyorrmairng addesc. (sure own or operate be merchant, or b we orbited you the advertisement fa to goods or senioes, all purchases are covered regardless of the amount of location d prrchm ) Payments. Send o* year payment and the top pertain d Odsslafemerd is the envelope prohided.Oonot send cash. By sending your check as desabPd above.ym auswdu us to use' llarhA 9, on your deckbmakeanelncaomkbardharduttanyouswaaNatleSnared islikkrfonurdaledmyouchedcataproom thepaymadasadeditransaction. f paymrtis plmassed as an rnectrornc Ned bandw. Ow transfer vA be fads amountdte dad. When we use information from you cede to rrahean *dra ictudbamfor, hrds may be*Wdrawn bom you socaau as soon aste same day we receW yourpaymea and you wit rhoi receive your deck bade bon your Sratdat institution. The proceaingdyou paymed may, be delayed ilyW sad hasfi, mnespadahce aolherbeen wkh yourpayneK Nyou sad the payment to avydher aeaessa gym use an erwelopeatherthantooreprovided.PaymentsreceiveditproperkamaierrptocestingfaoBlyby5 Mlocalthemaqdq witbeaedkdbyarActimlasdlalday.Payments feecreirvadataaptocest"laplhyrafter SPMWedInewilbe_aedtedtoymA=wdasafghom)d.day. .lfyouM e.. papWed a. .. ptempbp?,Wuly ?(pro--doogim POBoz. 6103, Cad Sierra, 1160187.6103. Please allow 7-10 days for delivery. If yaupayneM Is returned unpaid. we reserve the rigid to resub" d as an eel 0coicidebb. Yauan payyour mebnan paylnadaa grater annulover do Wephme, and you can setup autmroticpayn+ems. Cab us at I-OW347-2583. You will reed diesbomem and your badcaecontInfornraton.Youmust ensure OhmsuAicalfunds are available nyour bank account. andall transaction must comply wihUSlowYouwitbeaskedbprovideftefirst 5 dighs d year account statement ZIP code. By eoWbg dose members as ym Nectrank signalwe. you wil be agreeing loft authurtabon b aluvusad yurbankto deduct each paym iywadhaaetramyoubu*aaountandbtli08kdrbitacreddenbasbyarbenkacwuntasappkable,tocor - an drain diepmeenirgdsudhpaymentYOUmust tel ustieamourtdeach payment or you can select anano sisudh as be dinhimurr Payment Out or de NewBatame, m eachstalemeoL Ywcaxonad apayronX however we rust receive de6ceatlrat free business daysin advance tae sledded paynhent You may redly is by pture a11•800,347-2683 or by and at desddicss fiebd in, the preview pmagrapkMyerpaymentsbaybertaut,wewittellyouon each mW* statement when yourpayneuwllbemade andhowmuchIwitho.Yesaulo aticpayntatanhordmay be tees due kxkaW w to mmnfdy sWtemat 3m W onaedh orpayrmnts applied dakg she b ft cyde. Credit Repaing. We may report information aboutyouracoowtb credit bureaus. Latepaymeds, missed payments, or dim detaubs an yourawoutmay be rdeded in your aedhl repot We aamaby mpat t afaansahd payment history of ytrAmount to aeg rapier" agencies eachmorrOc M you befeae to aW report Is iraeorele, or incomplete, please write us atde fodm" addew. Diswm. PO Ban 15316,1ANa kVim, OE 19850.5316. Please include yowname, address, Mme letephDm mRbw ardAoooun rwmber. Grace Paiod on Purchases (at bast 25 days). We begin to Impose Periodic Fnrhae Charges on all trasac6ursfrom ft Trahsadlm Date forge bare actim as shown w yxr b"sbtahraLudessabwmdionispoledbyowA otOasstodoneofdwbilletperiodswtichiomum nwhk*arsewebeginbkrposePeriD&FnrceChagasmbat trareacfmbwr ae fast dayd the billing period in Mich it is paled b ymAomunL Vie continue b impose Periodic France Charges until ft doe you payyurr erlke New Balance, reeceiWgoredN&However,tywpaid feNewBa-enyourprencustilling sbtemntbybePayment DueDateshown oarteatbilagslalenerdandywPay tl by tlte Payment Due We on you arrent bling Maw menLum wil nor impose periodic Frame Charges an new purchases, tat k:. purchases lust appeakg onthe iu Bata rmrat burg atetenhern. iMe orb th'sfe "gait period." Thee is x gRce pnriodm balance barsfers a cash advmces. lilwim sa Fmwxs Charge. lye wWa charge you a minimum FRANCE CHARGE of 5.50 foray, batng period in wlirh Periodic Faience Charges Bless than 5,50 wand otl,ewAse be knposed. Amwat Few M ymAOatathas an annual W. d hull be bled at the beginning of each amiversay year ymAaau l is open. The amount of to fee appears an to slalanat when de lee is bind. The erwxst In is not relu dable unless you notly us oval you wish b doseyourAecout within 30 days of On mailing or delivery dale dtestatement on rtlidh the be is tilled. You wilreceive ft al nd even if you use yaw Cad doing chat period. Psdodc tiirWha Chrges. V% sat you trarrsadiuns Into gro"d prdeses, ash aelvercas, and balance transfers and bee forger sat le transactions wini, each grail by dreitAmhdP age Reek For exa* ptchasessubjedba ponwaauiRbaMpLwdmnsub)edba'sWnbdnoewmMbeseparabgmrps. Wereferbdresegeohpses baaacdm ategories. Ai the end d rah hr'Rng period. we compute 6alahees and Periodic France Charges !reach day of de bbfig POW foreadh bansadion akgmy We use the fobawing equaim to corny le Periodic Finance Charges br each busacdonategay. (Average Derby Balance) tines (days in bill" period) tines (Daly Pericdc Rue). (You rsayrefa b On frame charge, unwary on your digstatement for these amounts) Teen we add rep dire Poicdc Fkmnce Charges for each basac6oa atag to get the total C501 for yuurAccout. The Average Oaiy Balance is Owen as zoo t: because of the grace period, no Periodic France Charges apply to the balance in a Periodic home Ynk use SwAvewge D* Balance (rrJertrg new transactions) method of calculating to bola me upon whichwe, impose Pedo6c Fr aiceCharges Meet" teAVaage Daily Bab=breach 1releedlonategay, by adding up at the dibybalances ire biGg period (era Yaxsac6m abgay and daaaingehe blot by the number ddays in dabbing period. Ws c?pw theda7yt?alana loruredhlharsarSm aleguym ebdtday by last addngthe honouring b ttheprevitus days daiq :lrrsactas vaiha Trasactm Dark d that da)ras sAtwoon yore bibg sGhvnaht adesslhe trrsactim k poled byarAcmut atla the closed tare bXrhg f+aiod it wHch i codas, ih wlddrease tetrasarLort wit be added b the ?iyilsbneeas dire fist arydfe bung ptrbdn vhhidh t $p1stM b yurAaalut.lea charged ihatdayad Paiadc Fihmm Ghayyesacaued m the previous day's duly baby d dbytt>ensirbtrsctngrryaed7lsandpaynenBfalaRapptedagaistthetelnc?edfeiahsac5onaeagayaroralrlay Nwlddatigtedaiyealrhoakrtlefrstdayd tlei>?ngpedod wemrsiderlhe PrLwiousdaysdaiybalancc fohaeebeahyarbelatxfaacfhtronsadmolegorymtafastdaydyourfreviasbiingtxriod. AN feescharged to yar Account areadded to ft standard purchase transaction cat" wim the exception dCashAdvanCe Transaction Fee FsaceCargeswfich weadled to the appicabkcub advance transaction ategoyend BalahoeTimslaTansaWm Fee France Chagas whichaw added bee applicable balance Manslerbareacdon ategoyc When fesphxblrateerpies,wemoretheups(dIrah ,odthebalancebansWandtheBalance, IansferTrasaAimFeeFrance Charges bdmstanrbrdpudrssetrasacsmak9orY. Hasever.Ife speed rate tees been Wro*Wd uderme DdarlRate sadla6 we have de unpaid balance dma balacebansW and de Batance Transfer Transaction. Fee Fkhance Charges he the appic" balerm tranfa taseebon category, utgthe special rate would have expired. Fore Device foram"a pleasec&N 1-tOta47-7449. Disccovamaymendet andlor record telephone alit bemreea you and Discoverrepesetlatim for gcalyassurance purposes. The Direerlrr card is issued by Discover Bann, Member FDIC. OiTBK171 DISC "WER tt (sey, ro _ EUZASETH YEATTER DISCOVER Account number ending in 4210 Go green. Go paperless. Join the effort to save trees and dean op your mailbox. Just sign up for Paperless Statements and you can help save over 70 million pages per year. You'll also be helping yourself to 24 months of password-protected, statement R history, complete wiilr merchant names, locations and zip codes. Go to Discover comfpaperless and sign up for Paperless Statements today. '-P2010 D;- Bank, M-bx FDIC PPRGRN.0810 dosing Date, Jatuay 4, 2010 page 2 of 2 Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Sal dnc Rates RATES RATES CFA (5 current billing period- 31 days Purchases $39713 0.04997% 18.24% V 18.24% $6.15 $0 Cash Advances $0 0.06573% 23.99% F 23.99% s0 $0 Balance Transfers $2470.37 0.01068% 3.90% F 3.90% $8.17 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Questions? Manage your account at Discaver.corn or call 1-800-DISCOVER {1-800-347-2683}. New Balance ' Minimum Payment Due Account Number ending in 4210 DISC NEW $2,855.87 $57.00 Enter Amount Enclosed Below Payment Due Date - -" $ March 1, 2010 Please pay online 0 www.Di=over.com or make check payable to Discover. 04 SDSN6AOt 0001626 ELIZABETH YEATTER Go paperless and make youraccount information more secure with password- M O B I L E EST protected statements only you can access. 221 SNIPPENSBURG beam more at discovercoinfpaperless" SHIPPENSBURG PA 17257-9521 iiEnr.ILr.if.r.rlr,lrll,ri PO BOX 710841 CHARLOTTE NC 28272-1084 Addres%a-moil or telephone change? {nit{{tt{rii{r{trir{r { { n{I{{uiiu{rrre+{ir+in{ ++{nli Go to www.Dimoverxorn or print change in space alcove 000001986.455381247552028558700000000005700 Opening Date: January 5, 2010 - Closing Date: Febrt Discover More Card Account Summary Account number ending in 4210 Previous Balance $2,852.83 Payments And Credits 57.00 Purchases + 44.96 Balance Transfers + 0.00 Cash Advances + 0.00 F6rancs Charges + 15.08 000 Fees t + 0.00 New Balance 2,855.87 See Finance Charge Summary section following transactions for detailed APR information Credit Line $2,900.00 Credit_Line.Available $44.00 Cash Advance Credit Line $300.00 Cosh Advance Credit Line Available $d4.00 Yuu may be able to avoid Periodic Finance Charges, we the reverse side for details. tSee transaction detail for a description of ary fees charged. Coshback Bonuse Annivemory Month April Opening Ca4"ck Bonus Balance $ 0.95 New Cashbock Bonus This Period + 031 Cashbadc Bonus Balaxe $ 1.06 To learn more, log in at www.D-rsmver.corn and sled R.words ary 4, zu I V page I or t Payment Information New Balance $2,855.87 Minimum Payment Due $57.00 Payment Due Date March 1, 2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $39.00 and your purchase APRs for new transactions may be increased up to the Default APR of 23.24% variable. Minimum Payment Warning: If you make ordy the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: payment if you would like information about credit counseling services, call 1-800-347-1121 u..s. s a :: : m> Only the minimum i4 years $4?gg0 $93 3 years 3,348 (Savings ? $1,642 } 3 Easy Ways to Contact Us Matxtge Your Account Online at www.Discover.com ] Access your account securely at www.0acovercom Access free online tads like Paydawn Planner to creole a plan _ _2_ Call ]-800-DISCOVER j]-800.347-2683) to pay down your balorrce, sacurelY access statements, pay PTeuse have yaurbiscover? caidavaifa bilk-online and easily track all transacf'xmi 3. Write to us at Discover PO Sox 30943, Make your money worth morel-find easy ways to earn Soh Lake City, UT 84130 and redeem cash rewards For TOD (Telecommunications Device for the Deaf) NEW! Access your account securely through your assistance, please cal! 1-800.347-7449. mobile phone Transactions Trans. P?oro Jan 21 Jan 21 DOIRTREE 2700027466868 SNNPPENSBURG PA 7.24 Payments and Credits Jan 31 Jan 31 INTERNET PAYMENT THANK YOU $ -57.00 Meahondise Jan 10 Jan 10 DOIRTREE 2700027466868 SNIPPENSBURG PA 10.00 Jam 13 Jan 13 DOLRTREE 2700027466868 SNPPENSBURG PA 6.48 Supermarkets Jan 2] Jan 21 GIANT FOOD N061 SNIPPENSBURG PA 9.61 010000 See reverse side. DISCOVER Important tnfommtion. there is more ban one page lo 0% billing statement see Ste beck dadh page br addiornal ingala t kdonnation. See your CadmeatberAgreamer t. Your CardmerMer Agncemed cuntai s at the Was d yoorAccov a. tact orstolenands.Reportatmedie y!Call14I .347-266;1. B116%RightsSummmy.. h Case d Errors orOueskm Abort Your Bi: D you hint yaw bill swn;r%or it you need more nbm awn about a transaction m your hilt adte bus on a separate dreetdpaperat Discover, PO Box 30421, Sal IakeCty, UT 64130-0421, as soon as possible. Wa east hear from you no later then 60 days after we sett you the first bill on which treerroror problem appeared. You can Idelirorre us. but do ng so wt not preserve your rights. In your ledK give us the ttl6oeng information: . Your name ad AstbtaY mmber The data smart of to suspected era. Describe the eta and explain.9 you can. why you Weve two is an error. If you need more nlormaam describe the item you are unsure about You do rot have b pay any amount in pres6omwlhte we are uvey6 mfeg, bur you we still obligated b paythe pads d yow bill Mare nil in question. While we nvesagate your qua6m. We cannot report you as deliiivquent or take a" aWm to collect the amount you 9bc6m. Spedal ibis forCredit Card Purchases: Uyou have aproblnn with the praky d goods or services thel you purchased with a credit card, aid you bare tried in goad bath to correct the problem van the nedrad, you may ad have to pay the renheinig arrow due on the goofs or services. You have ass prdectiononfy when the purchase pdcewas more Oran 550 and the purchase was made in your here statedrwift IOD miles of yam mailing addren. fly we awn or operate the merdhant, tit we mailed you to advelisemed W the goods or senvbrs, ? pardasa aeeoveed eagarces.^ dhe amount orfocatiorn d Owdhase-} Papnertte. Sand only your payment and hetopporlm dtis shakmerd in the envelope provided. Wootseed Cash By sending your check as described abov%you au dame us to usefofamaimanyordia*bmakeanakcomorkWndtraskrfrom your acmmtalhe6wrciafahstdukaarkeledonyoncheckaloprooesshepayne as a dock transaction. Dpaymedfs,, - - s4asandecironectrodaadW,IrebaslavAbefatheamount dthecheck.When weuseWomw6onfrom your check tomakeanelectronicfund transter. kinds may be w7tlMramr ban your account as soon as the same day we receive your payment mid you we not receive your dock back from your financial it 6 . The pmcessahg of your paymag may be delayed tyou send cash. correspondence or dher ibis with your paymhent, if you send he payment b any other address orT you use an envebpedtler trait Be are provided. Payment; received it proper bat at our pmesWg led@y by 5PM local time on any day will be credited to yourAaaut as dflat day. Payments reoeived at our processing fatly alb SPM beg limevA be aedhkd to yrwrAcmud as dIn necddey. t you ton m4laced your envelope, send lair payment bDsoom.. PO Bax 6103, Card Steen. It 601978103. Please allow?--10 days fix delivery. II yow parient is Wkxned unpaid(Y1e reserve the right b reSUbral t as an electronic d#A You can pay your minimum, payment as greater Wangover he Wephone, and you can sat upa ftna6c payments. Call us at 180347-2663. You win need this statement and your bank awount tiantMim. You mud ensure that mWe A funds are available in you back account and all transacaors mast soapily wed U.S. taws You will be asked to provide the kit 5dyls of yorw aoooratslaternent ZIP cede. By anterirg lose numbers as your tledro is sigmawre. you will be agreeing to this a ftrixa6m to allow us and yaw bail to deduct each paymed you authorize tan yourbarA aceaml and b miliae debt a credit offies to yam bale amount asapptable. to coned an era n are processing d such palmed. You must tell as the amount dada payment ot)w can s*d an amount such as he Vowmam Payrtmed Door trehlewBalance on each stabTient. You an cancel a Payment; however we rust receneacke at iam Iwo business days it advance d the scheduled payment You may logy us by prude at 1-80D-347.2683 or by nail a1 tin address hdW in he previous paragraph. tyaw paynme is very in amount we will fell you on each no" slatemerd when your payment will be made and tour mach D rod! be. Yorautomatc paynhrd amount may be less dorm h6ated on the mood slakmet based on twists or payments applied dung the bbiing cycle. Credit Reportlmg.Wemayreport mbmvd mabortyour Account tocraddbwewas.tale payments,wissedpayrcants.or Wwrdefacesmyour Account maybeoketedinyour credit uumber and t r merker please ? at the Wow ng ad>: Obcova. PO B 1531&?. DIE 5D-5316 Pi I nclu yea narne. address, hwa Wepho >e inreport Grace Period on Purdaaew 0last 25 dayi* We be p to inverse Pedodc Fiance Charges on al transactions horn he Transaction (Tate for he tansacbm shown on your b*V stakm d,waessatransaction isposted byorAttaadaler Oledose dthebh7algperiod fnwhich doccurs, mwhich case webegin bimpose PeiockFrameCharges conthat trasacko from the 69 dayrd the Wag period in which it is pealed to your Account %b cominae to impose Periodic Finance Charges wd the doe you pay your entire New Balance shoaatanyour billing rnealby mnaldmgpop or receiving credits. However 0youpaidtheNewBAanaonyour Wevosbilling sfatemerabynePayrnantDueDalesham on tat billing statement we will nd knpose Pedodc Fiance Charges on new purchases, hat k purchases first appearing on the current billing statement or any porton da new purchase, paWbyhe Paymled Due Oak mmyour Cdrerd bring staffed. Vkcall this he grace period.- There is no grace period on balance transfers or cash advances. As more thiydescribed inhesectondyour CardmembaAgreement OW*How Vila Apply Paymwrts: payments byour Aawwdbased onheAnnual Percentage Rate appinbletohe balance d each transaction category. This mein Drat d you do nil pay the New Balance on the cvrreml (billing stakment by he Payment Due Dale shown on tat biekhg statement her, ftemdag m the arndrd d your payment and he Moral Percentage Rates On Daher t>aleh[es you may ndgel a grace period ob newp Admes. Minimum FinaxaCharga Wevil charge you am i ioUn I•TNANCE CHARGE of $.50 for any billing period in which Periodic Finance Charges of Less than $SO waUtl othemse be irnposect. Ammal Fee. tyorAcaandlas an annual fee. it will be MW at he beginning d each anniversary year your Account is open The annum of the in appears an he statement waxen the tee is bi91ed. Th earAW fee is rid rebud"urdess you nobly us hat ym aish b dose yowAcco( tv fin 33 drys of Me coaling or deeve!y date of he s!ah3nerdon which the fee is breed. You Will moo" 8w; refund even if you use your Cad daig gat period. Pww& Fthahce Charges. We sort yourbahsaclors WW groups of purchases. ash advances, and balance tasters and then further sat he uasadals within each group by Mir Annual Percedage Rate. For awnpie, purchases wbpdtoa promotional ate and purchases strb W to a standard rate would be separate groups. We refer b these groups as transaction alego ies.Atilhe ad dadh Ming perio4 we compute bdM= and Perak Fima ce Charges breach day of the billing period for each tansacimrd9egory. We use the folawig equa6m b cenpuhe Pertddic Finance Clheges br air YansatGOrh ( ?lato?lima{da)rsi+hifngPer7od) Gvhes(OoilyPetiodcRate)• (our?a nEC arhoeOageSustary myour bftstalemertbrDimamounts, Than weaddtVthePeinwcFrance Oargesfor each brasacloncWWrybget the toW Periodic Rnehoe Charges foryourAcDourd. TheAwsage Datyr Balance, is shawl as mmii because dt the grace period. no Periodic Fxanoe Chagas appy b the balance in a tarsac6m caegay The I>* Periodic Rob is U365h d he carespondrgamual Percentage Rork We use heAvesage Daily Bdeoe(nci brig newtmrsac6o s) method dcalaiairg the balarctupon which we impose Periodic France Charges. We conpte heAver ge Daly Balancefaadhtrasa I cahgaybyaddingupatnedaiyhdeoanabangp Wbrair. , fix, alegoryanddividwgthebWlbythenumber ddays knthebilling period Weconpdetredatybdowfor each barwac5mcam" on each dayby first adding ft Wowing to tee pevas day's day balance: basaclim with a Tranuctim OaledOat dayasshom on yaw brig "a med, uriessi etaraac oo a posted Drum Aaawt aft hecbse dthe b>lfing period n which t oavs, in which asetl+e tasactan will beadfed b hedally bahahae as d the trstdayd to bTrg periodb which Us pasted b y=AmcmmL lea charged hat day and PedodcFinerm Chagas accrued ahtheprevio s day's dally beano and by tlnerr sahbsactibg try aedls and paymahs tlat areappted againuthe fadahce d the trahsacicrh alegary con Dort day th c*Aaing ihedaty bd&ve forft W day d the 1148rtg pedal, we rounds dm'perbus day's daiyrbabma'to have boon yow bAvu loreach tmsoOmcategay m he fast dayof yaw prerims b§V pedal. Al to charged to yourAccoudore added b he standard purchase to matlm alegaywili he exception d Cash Advance Trawadim Fee Finance Charges %Uch we added to ma . applicataeraslh advance barrsadon cafsgory and Balance Traslar Trasec6on Fee Finance Charges which we added to he applicable balance transfer transaction category For TOOIf? Device for the Dead) aakta ce, {lease cat 11400447.7449. Discover may monibaf ahdfor record feleplate cab betwam you and Discover represerdatva Wr qualy anusahce purposes. Colo The Disoovar`eard is issued by Discover Be* Member FOIL PA0210 DISC tVER U Pays is ELIZABETH YEATTER DISCOVEW Account number ending in 4210 papa 2 of 2 Transactions T s ? Date Supermarkets Jan 24 Jan 24 GIANT FOOD #061 SHIPPENSBURG PA 6.81 010007 Jan 28 Jan 28 GIANT FOOD #061 SHIPPENSBURG PA A.32 010004 Finance Charge Summary Nominal Chhor Average lbily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE HNANCE ftNANCE current pilling period; 31 days Bolon<es F:pfi RATES RATES C-HARGLS SHARGES Purchases $457 16 0.04997°. 18.24°° V 18.24% <7 08 ?0 Cash Advances $0 0,06573% 23.99% 23.99% $0 $0 Balance Transfers $2,418.93 0.01068% 190% 3.90% $8.00 $0 V = Variable Rate Iiiforlrnafion For You Notwithstanding the payment due date on ibis statement, if you paid the New Balance on your previous billing stalemarrl by the Payment Due Date shown on that belling statement, we will not impose Periodic Finance Charges on new purchases First appearing on this billing statement, or any portion of a new purchase, paid within 25 days of the Closing Dale on this billing statement. 8860290 Questions? Visit www.Wamyer.com or call 1-804-DISCOVER (1.800-347-2683). DISG?VE? ?VER New Balance $2,896.74 DISC 04 SDSN6A010001627 ELIZABETH YEATTER MOBILE EST 221 SHIPPENSBUR6 SHIPPENSBUR6 PA 17257-9521 Minimum Payment Due Account Number ending in 4210 $58.00 Enter Amount Enclosed Below Payment Due Dale $ E April 1, 2010 Please pay online 0 www.Discovw.com or make check payable to Discover Address, -mail Or ieiepiione charge? Cro to www.Discover.com or print change in space above. Go papeAess and make your account information more securemouth passvrord- protected statements only you can access. Learn more at discover corWpaperless. PO BOX 71084 111111111 do 1161111do 01 CHARLOTTE NC 28272-1084 i„ln}1,r11„I,I11111LI1 ]Mlllln,rL?in 000001986455381247552028967400000000005800 Opening Date: February 5, 2010 - Closing Date: March 4, 2010 Discover More Card Account Summary Account number ending in 4210 Previous Balance $2,855.87 Payments And Credits 57.00 Purchases + 83.72 Balance Transfers + 0.00 Cosh Advances + 0.00 Fiwnce Charges + 14.15 Other Fees t + 0.00 New Balance 2,896.74 See Finance Charge Summary section Following transactions for detailed APR information Credit tine $2,900.00 Credit tine Available $3.00 Cash Advance Credit tine $300.00 Cash Advance Credit tine Available $3.00 You may be able to avoid Periodic Finance Charges, see the reverse side for details. tSee transaction detail for a description of any fees charged. Cashback BonuSe Anniversary Month April Opening Cashback Bonus Balance $ 1.06 New Coshback Bonus This Period + 0.20 Cashback Bonus Balance $ 1.26 To lemon more, log in at www.Disto~.com and sekd Rewards page I of 2 Payment Information New Balance $2,896.74 Minimum Payment Due $58.00 Payment Due Date April 1, 2010 Into 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 23.24% vwloble. Minimum Payment Warning If you make only the minimum payment each period, you will pay more in interest and it will lake you longer to pay off your balance. For example: am Only the minimum 16 years $5,822 Payment $95 1 3 years 3,424 (Savings = $2,398 ) If you would like information about credit counseling services, call 1.800.347.1121 3 Easy Wags to Contact Us Manage Your Account Online at www.Discover.com I Access your account securely at www.Discovercom Access free online tads like Paydown Planner to create a pion 2. Call 1.800•DISCOYER it-800347-26831 to down your balance, securely access statements, pay - Plecise hove yoiirDixover®cordravc>?- - - - - bi0s ordine and sooty Irixk'at triinsdctioni 3. Write to us at Discover, PO Box 30943, Make your money worth moreSM -find easy ways to earn Sall Lake City, UT 84130 and redeem cash rewards for TOD (Telecommunications Device for the Deal) NEWT Access your account securely through your assistance, please call 1.800.347-7449. mobile phone Transac#ions Trans. Past Date Date Payments and Coedits Feb 28 Feb 28 INTERNET PAYMENT THANK YOU $ -57.00 Merchandise Feb 12 Feb 12 DOIRTREE 2700027466868 SHIPPENSBURG PA 5.18 Feb 12 Feb 12 DOIRTREE 2700027466868 SHIPPENSBURG PA 2.00 Feb 16 Feb 16 DOLRTREE 2700027466868 SH IMNSBURG PA 7 15 Mar I May 1 DOMTREE 2700027466868 SHBPPENSSURG PA 1.06 Mar I Mar I DOURTREE 2700027466868 SHRPPENSBURG PA 3.06 See reverse side. DISC*VEk ImpontaItinformalion.Ifthereismore tlranonePWtOMblingstaWnerd,seethebadedoathpageWradd nale?orrantrctlonnaton. o See yarCandrhenberAgroemsd. YourC.ardmanberAgreemenlCmtarS al the term of your Amourt (n 0 Lad or sblen cards. Report imrnedatlyl Cal 1-e08J -2681 0 Bang Rlghh Summsht in Cased furors or Questions About Your SW S you dw* your odl is wrong, or lyou need an inbrtmliar about a transaction on your b>I, vwAe to us on a o separab sheet of paper a Dswrer, PO Baer 30421, Sal LO*CAy, UT8413DO421, as soon as possible. We must hear from you no Wer Stan 60 days ae,er we send you the fast bib on °o wtk h rite erwr or problem appeared. You can lekpMne us. tout doing so wand preserve me rights. In your IgW give us the Mowing Wormafron: o, Your name and Account rwnber. The dda amount d le snhspeded era. Describe theemaand explain l you can, why you befeve there is an ma l you need more Mrmabm, describe the gem you are woure about " You do not harem pay any, amount inq mabon Were we am imresiga6rng, but you are sfd oVWW to pay the parts of your bill that am nnot in a*?hoa IkMe we iwestigaae your question. we a m report you as deksguertt or take any action to cotect the anoint you qjesfion. Spedal Rula for CrwW Card Purchases: l you have a problem wAh the qualify of goods or services tat you purchased with a credit card. and you have triad in good faith to arced the problem wM the nwobar, you may not hare bpay the wriekuing amount due on the goods or senirs. You have tk protection only when thepurdrase puce vas mere than S50 Dmin of your maAng ?.(gweovvnoroperab8uemerchart,orif wemailed youthead rnerabrthegoodsor and to purchase was are ow regardless of amoa savices. all Phynhahh. Send only your payment and to fop portion d tda srkement in the envelope pwvi K Do rat send ash. Bysend5 g your dieck as desabed above. you author" as to - useinliunalb on your check bmakeandecbmb¢fund 6awierfrom your aocauta[inSwwiatihs54lonirrkcatedonyour deckortoprocess the payment asacheck 6ansadicn. t psymerd's phocessed es an ekdhoNC fund rawer: the oarsrxwA be for the arrant dthe deck. When we use kdormptim from your c hedk b malroari6ecfrorrofimd transfer, bt%maybe WMdavrn from your acwurd as soon as the sane daywe receive your payment, and you wit not teceiveyour died back from your rnancial insOkfim The processing dyaw payment my be delayed Aye sad caskoorrespomdenoaa alter items with your payment, ilyou send the payment bay vita address or if you use an eweb)he athe Man the one provided. Paprwts received in propet bro aloe processing bcWy by 5PM bM aimem any day vril beereftd ioyourAawaA as d that day Payments reaehed at our processing Moity after 5PF4 bout lntevA bepa6led b your Acoountasdpx ow day: 9 your have misplaced your owdope, send your paymentb Drsocyw. PO Sox 6103. Card Skeam. R 60197.6103. Please allow 7-10 days for defiverp. I you payment Isreimhed unpaid, we reserve the fl* to resubml It as an dedrov icdebd. You qu pay your minimum payment or a grealaartwrdowt he telephone, and you an set up aubvk payrnenb. Call us at 1.8W347.2683. You vA need tit asemet and your bank aceotat lofamxalm You mast ensure bat suRded bads areavaiaEten your bank amount, and al transactions must comply wilt U.S. low You wR thea*td to provide the last 5 dgls of your aewurt stwemml ZIP code. By entering trose murders as your elec4micsg wfure. you wdl be agreeing b this au thofta6m balow us and your bank to deduct each papredyou a l hone ban you bank aocoud, and to Addle debt orhaedt entries to your batdtaccount, as applicable. boartect at era rn Me processing of saris p*nea You must let us tbamount of each payment oryou an select an amount won as to limmurn Payment Due or the New Balanaon each stalemerc You an cancel a payment; however we must no" nolim ab least 8m b mness days to aduarmof to adtedted payment ft may nobly us by phone at 18W347-2683 or by mail at theaddress fisled in the previous paegreppt lyour payments Min amount wewi fd yoo m eadr avng* slahmettwtnea yowpaymant wB lx made and how mtdt A mM be. You adamale payrmeni amount may be less than indicatedori be mho ih y statement based an cuadds or payments applied during the bft cyde• Credit Reporting. We may report inkmWon abwtyo rAwount toned( bureaus. fats payments. missed payments. a othe debulsm yourAoceunl maybe reflected in" crecia report. We namely mpod tae stator s d payment Ndwy dyourAcoowt baedt reW" agencies each month l yda bdmm Mat ow reportB mw rotea iamnplete, parole vwae us a /ore tabwing address: Oiscova. PO ehzn 15315. Wdniuglon. ? 19850-5316. Please irtdade your narhe. address, Mme telepltone nwntberadAttwnt numbs. Gram Period an Purchases (at kit 2S dayay Nis begun to i+gosePaiod'c Finance Charges Mal kansachots Imm the Trasecim We for thehauackosham on yourbiling staemed,unless alrasactimIspooled toyourAOmwn1alaithedosedleb%VpubdletWicnAoccurs, inwhidtasewebegin toimpose Periodic Financeaagesmthal trdrsacim Bon the MatdaydMe Ming period in v tddh k's panted b yourAccowt. We cmlmte to impose Pedodb Finance 0serges udl lhedate you pay ycw efne New Balance kne l by mduig tayten b orreoeioitg clefts. fhowever, l you paid the New Salan;a on you reva m bl4tg staleaent by the Pgnvw Due (late dorm sh== on wi not impose Penfo3bFnance Charges m new purchases. tha l is, purchases, firstappeaing on the current blrstg statamet(, tt aypaUm Of a new vie pwdaae,paidbyOnPaymWDieeDeemyouraietlAkhgsbtenartWecall itsIhe'gracepetlod."There BBog= padodmbalance yarnsb orashhadvances.Asmore kAy desa+bed in the sedan of your CardmemberAgmenent Md'Hm VkAppty Paynents.'vw gem* apply payments b yourAcmwd based on #wAnmW Parentage Rate appiabte b ore balance d eadn aansacfrorh ategory. This real tail lyou do nor pay tine New Balarhce m the arrant InTang slalernera bT Me laaymhent Due One stwwn m Ma bitig stabxrnmL Met deper&V on the amount of yow payment and theAowiat Percentage flats on other balwCes, you may notget a grace period on newpmdtases. ilidaam Finance Charge. We and charge you aminiorn FiNA KX CHARGE of SMfor any bdBng period m which Periodic Finance Charges dress Itm $Mwouldothenmise t* imposed. Aw" Fee. N ymrAaaunt has an ammo fee. 4 vn'A be oiled at tnebegirarg d each anniversary year y xe Acociu i a open. The amount dthe fee appeal on the statement wherh the tee is bled. Tee atmual fee is not rebvkbk uM n yore no* us 9W you wish to dose yowAOUotn+l widmi 30 days of tbernahing ordiimy dale d the smienead on wtuudn the lee is txltd. You wdl ramwethis refund even d you use your Card duieg bar period. PwwdicFiemnceChaagrs. We sot yow ramadas inbgrwps d pwdwm. cash adowAs. and balance hdslim and than hWw sort Metro sa lios *"each group by 9erAfv wal Percentage Rate_ For manhole, puocrashes subjectb a Duorhtd{onarae and pwrhaces subjectb a standard ralewould besepaaategrwps. Wereferw tese groups as transeciot categories. Al the and deaeh bO g period. vvecempule balances and Periodic Finance C cages for ewb day of the biting period for each bansactm category. We use the followng egA*mtoconpwe Pakdc Fahamce Charges fa each trasacdon cmegDry: fake (days in bting period) Ems (Dewy Par-kRato Yw Charge Summary w your b" stalemedbr bese amounts. Then vre add up lie Periodic Finance Charges breach Irarsacbm nafegoy to gel the total Periodic Frwtce Charges br yobrAcmrnt 7leAverage OalytBalarhoe t slhawvh as zee 1. becasa dtbe grace pedbd, no Periodic France Charges apply to the balance in a barmclon alegory. The Daily Pwak Rate is Mth of the oarespondigAmuat Percentage Rae. YVe melheAverage Dail Balance [rrAd ring rhewYaasact ors) ahetnod dcaladafrhg the balance upon Wish we impose Periodic Finance Charges. We cvnpule leA cage Daily Bebnhee breach transaction celegbryby *cI ft upal tine deify balenresit a NOV period br a kansacfror c*-Wyand Qivdng Me Mal by renumber d days into by" period. WpaampnleMdaiybetarmforeach trarmck a on each daybyWadding lheb8oaingbtopvw4iosdaft datybalawehahsact mvAaTresaramQaedttest a dayassewaramyoubtfirhgstalermert,utessge r?imis posWtoymwAammlalerthedosed thebOngpubdInv* adaars.invdtdhasetebasadonwilbeadded b le duly bd mm as dtt*W day d the biting period in Wticu A b possad loyoarAccomt, tea daged they day and Pek* Feanm Charges apued m dwpmvioasdryrs d* btMerssidayd balarwx we ? h m a ? d e consider The Vrevy w4W9 d balan have yaw hatimm Bre the bft ppedood, w period. a trasadonalegay to M edt bag ay Al kesd rgedb yourAebount ace added to lestahdadphrdtese tranac on adeMvalh the wMepim d CaAAdtranmTans Ooh Fee Faro m Chagas Weida are added to the ap0 ka-1 hadvoweftneelbnc*gmyandBabnmTrasforDersac$mFeeFianceCharges wdh hareaddedto Vie applicable balance traruderbaimxfimcategory. For 7W (yalaomrnwdcadorw OWcefort he Deal) assisfanea; please Call 14W34T-7449. oecotamay matbr ardb record telephone cats between you and 0lemverfePesetdves forquWV assurance purposm ®20W The Diswm-and rs issued by D wmw8att Mwtw FDIC PA0210 It pop to ELIZABETH YEATTER DISC ,`VER DISCOVEW Account number ending in 4210 page 2 of 2 Transactions Trans. Post Dale Date Restaurants Feb 15 Feb 15 MCDONALWS F4975 SHIPPENSBURG PA 7.42 Travel/Entertainvnent Mar 3 Mar 3 REDBOX *DVD RENTAL OAKBRKTERRACEit 1.06 86080909PAUAHYF4 Services Mar 2 Mar 2 ATTM*856951172WAS FARMER'S BR TX 55.01 Supermarkets Mar 3 Mar 3 GIANT FOOD 8061 SHIPPENSBURG PA 1.78 010025 Finance Charge Summary Nominal Oi her Average Doily ANNUAL ANNUAL Periodic Fae Daily " Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE current billing period; 28 days Balances Rates RATES RATES CHARGES CHARGES Purchases $505.13 0.04997% 18.24% V 1824% $7,07 So Cash Advances $0 0.06573% 23.99% 23.99% $0 $0 Balance Transfers $2,368.49 0.01068% 3.90% 3.90% $7.08 $D V = Variable Rote Information For You Notwithstanding the payment due date on this statement, if you paid the New Balance on your previous billing stalemerd by the Payment Due Date shown on that billing statement, we will not impose Periodic Finance Charges on new purchases first appearing on this billing statement, or any portion of a new purchase, paid within 25 days of the dosing Date on this billing statement. You're going places. Make sure your savings are, too. Discover Bank provides the stability you want, rates that have consistently beat the notional average, and security through FDIC insurance, up to $230,000 per account. Open a CD, IRA-CD, or Money Market account at Discove&ank.com or 6y phone at 1-888.728-3212. Please mention code MSG0310_ Go paperless and mace your account information more secure with password-protected statements only you can access. Learn more at discover.com/paperless. 8860290 Questions? Visit www.Discovercom or call 1-800-DISCOVER (1-800-347.2683(. DISCOVER n New Balance DISC 'VER $2,957.56 04 SDSN6A01 0001628 ELIZABETH YEATTER MOBILE EST 221 SHIPPENSBURG SHIPPENSBURG PA 17257-9521 Minimum Payment Due Account Number ending in 4210 5117.00 Enter Amount Enclosed Below Payment Due Date $ May 1, 2010 Please make check payable to Discover Card. You are ovedimit. Pay the sum of the monthly minimum payment plus the overlina amount of $57.56. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discovercoWpaperless. PO BOX 71084 nlrrtllnrllonlulrlln) CHARLOTTE NC 28272-1084 { { ?{ { { {{ { { {{{{ { { { ({ {, { it Address,email or telephone change? Go to www.Dixover.com or print change in -pace above. 000001986455381247552029575600000000011700 Opening Date: March 5, 2010 - Closing Date: April 4, 2010 Discover More Card Account Summary number ending in 4210 Previous Balance $2,896.74 Payments And Credits 0.00 Purchases + 5.12 Boksncs Transfers + 0.00 Cosh Advances + 0.00 Finance Charges + 1670 Other Fees t + 39.00 New Balance 2,957.56 See Finance Charge Summary section following transactions for detailed APR information credit line $2,900.00 Credit Una Available $0.00. Cash Advance Credit line $300.00 Cash Advance Credit Line Available $0.100 You may be able to avoid Periodic Finance Charges, see the reverse side For details, t See transaction detail for a description of arty fees Cashbock Ronuss' Anniversary Month April Opening Cashback Bonus Balance $ 126 New Cashback Bonus This Period + 0.01 Cashbook Bonus Balance $ 1.27 To lean, mare, log in of www.Discaver cam and selea Rewards page 1 of 2 Payment Information New Balance $2,957.56 Minimum Payment Due` $117.00 Payment Due Date May 1, 2010 *Includes past due amount of $58.00 Late Payrnent Warning: If we do not receive your minimum paymerd 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 Defauk APR of 23.24% variable. Minimum Payment Warning: IF you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance, for example: a w CMIy the minimum 16 years $5,940 payment IF you would like information about credit counseling services, call 1-800.347.1121 3 Easy Ways to Contact Us Manage Your Account Online at www.Diiscover.com 1 Access your account securely at www.DLcover.com Access bee online tools like Paydown Planner to create a plan 2. Cah 1-BOD DISCOVER j l-80D-347-2683 ta fMY down Your balance, securely occess statements, paY - _ Prease hue yovrb6coverecaidcvaif661.- bills-online oriit easiVtiack oll lidnidcfions 1 Write to us at Discover, PO Box 30943, Make your money worth moresm-find easy ways to earn Soh Lake City, UT 84130 and redeem cash rewards For TDD (Telecommunications Device for the Deaf) NEW! Access your account securely through your assistance, pteose calf 1-800.347-7449, mobile phone Transactions Trans. Post Date Momhandise Mar 3 Mar 5 DOFRTREE 2700027466868 SHIPPENSBURG PA $ 5.12 Other/Miscellaneous Apr 1 Apr 1 FATE FEE 39.00 'Zoe reverse side- DISCOVER hnportaM kdormahion If there is mote lhai ore page b this bRbng statement, see me back d each page [or adciional mfonnaiah. See your CardmemberAgreemed. Your CaalmemberAgteemwd contains all the tams of yaeAaount, Lost or stolen cads. Report irrnetiatety! Cal 1.800.347 26x3. BOV nWft Sumnurry.In Case d Errors or Ckostats Abort Your Bbl; N you *kA yourbi6 is hwog, a 7you need more information about a transaction on your b8, write to us on a sepaialCSheetd paper at Dismve. PO Box 30421, SMLake M UT e4i3gi)421, as soon as possjVe. We must hear from you rw talertan 60 days aher vve sent you the first bAi on which team or problem appeared. You can Ideptione us. burl doig so vet Ind (reserve your cig ls. In your letter, give us the tolMonhg indorinSSM: Yaw so eandAeaanlnxerber. Thedolora toorddatesuspattederror. Desanbetoam and explain. N you can, My you before lore is an era. It you need more tntormatfon, describe the item you are unsure abort. You do tothave bpay any amount in question hrdllewhe are inuesllgaerg.4rtyou are still obligated to pay the parts of year bill that am not in question. We we investigate your question, we cannot report you as delinquent or laleerry action to ootect Owamdrnt you question. Special We for CmM Card Purchases: N you have a problem with to quality d goods or services that you pwchased wlm a aedif cad and you hate triad in good faith to correct the prablem me the nnerdtad, you may not him to pay the remaining amount due on Ile goods or services. You have tee protection only when file purchase pikemras more than $50 and to purchase ww made in you hone stale orAlhin 100 miles dyne mailing address. Of we own or operate the merchant, or if we mailed you theadwertisemed for the goods or services.alpadrasesoreamendregardless of tearoouNala,-6, dpusdese.? Paymnits. Send only your paymed and the lop portion of Qis stalanad N the emetope provided. Do not send ash. By sending yore check as desrnbed above, you aurorae rrs to use ikkneiotron on your deck to make an electronic tad Vernier Romyour account at Be financial kaftnion indicated on your deck or to process to payment as a c heck transaction. Npap. Is processed as an electronic lend transfer, the transfer vabefortheanct"dthecheck. NRhenweuseWamationfromyour dnedbmake anelectraichind transfer. iads may be withdrawn from your amount as soon as the sane day we receive your payment and you will not receive yourchedc back from your fnancialbhslibhfion. ThepacecsiuIf ofyoupaytr-Amaybedelweddyousadoath,co aspordenceorotterItemnwithyourpayment,Nyousendtopaynhadbanyotheraddassoiyouusean enrelopedher than ft one provided. Payments remmdin proper bmatw processing tacky by SPM local rime on any dayhw'l be oreQfed bywAcoouA as of that day Payments neodred at ourpmoessing facililyata5R l W ?ime v A beaedlied b yourAaouM as of ft mMday. 9 you have msp red fan mvebpe, send yw payment to Discos, PO am 6103, Card Skem. IL 60197$103. Mesa slow 7-`10 days for delivery. N your payment is returned unpa , we reserve the right to resubmid it as an electronic deaf You can payyw minin um payment or a greateramoadover Ow telephone. and you can set tip automatic payments. Cal to at 1-800.347.2683. Yon vet need this sWwrerd and your bark scoo rg khbrrnalion You must emus mainldidehrt trade areavabble in your bank amourd, and all transactions must on" vft U.S.I me You wR be asked to pmvfde the fist 5 djobdyw acDow statement ZIP code. By aft* tnoseambes as ywatedrorresignakxe, you wdl be agreeing b tots autoriralim b allow us and your bank to deduct east, paymlmaMyoneathonfoetanywbankamount,andbfrhi(iaenkblltrkae?ahtriesbywbadkaoDoAasappbcable tow. ananorintheprocessing dsuch payrned.Youmust let us Iheamaafdeach payment oryou an select en anokad such as to Ih6r imure Payma t Due or the Nev; Balance on each staknhad. Yom an cancel a paymehk however we rant rcatne re6ce al)Calif leee Ihttsmess days in advanced ftechadkdedpaymea You may hotly us by phone at 14WW--2683 ofby uuaa a the address fated in the previous paragraph. 1111your payments vary in arroA iwe vM Ild you an eadhmoall* statement when De bar on the nondhy statement 6?ed ail rse6t apaymentsap*dduri ngte?gcycle and how mroh it wiA be Your aubmaic payment amount may Credit Reporting. Vk may report information about yo f Aeoanaa to credit bureaus. Late payments, missed payments. or ether def rolls on yourAmouet maybe reflected in your credit report. tie normally report to stabs and paymeniblWy of yourAooountbaed4 ieparlkh0 agencies each nnonm. N you beierethat our repot is maocurate err kneanpkKe, please w»te is althe blprirg address: Disc ow. PD Box t5316 lKdmkngtan DE 196503316. Please nducle your name, address, bane lekplothe n umber andAcoouninumber. Crane pkdod an Ptedwes furl teed 25 days).14febegin b impose Paio6c Fsha c e charges on all transactions from the TrAsaclon Dale for the Irmaction show on your billing A;bmleK aglett: a tansadm is posted b WAmoum ally the dose dffob ft pmW in which t mm, uivkh case we berm b mvm Peeodic Frame ages onthat hm acim tam teftstday d te"pafod in whactf s posted to y=Aoooud. Wecm mue to impose P&b* FnmmChages unW to date you pay yea antra New Balance sham onyar blig stalerrhatby making payrtene orenceivmg credits, tla~, N you paid to New BWMW on you previous befog statement by the Payment Due Date shown on that billing statement, vie vat not mpose Pafofc Finance Charges on new purchases, net is, purchases frost appearing on merurrent b&V statement. «any portion of a new pudmft paid by the Pafrriad Due Daleoru you owed billing statement We at this the'grace period' There is no grace period an balance kasfvs or cash advances. As more kAy doaibed in to section of your Cardnev ber Agreement Wed'NowYleApply P2yman8,' we generate' aptly payments to your Account based on the Annual Percentage Rate apli ",tolhebalancedeach transaction category.This means malNyoudonotpaytheNewBalance on thecumentbiligstatement lotthePayment DueDaledrawnatethat dung statement, their, depending on the anonnt of your payment and the Mental Percertage Rates on other balances. you may rot get a grace, period on new purchases. litgiatmr Fawce Charge. WevA charge you a mininwa FlNANCE fgfARGE diSO for any bang period m wtO Periodic Finance Charges of less than $.SO would otherww be imposed. Annual Fee. N ywAcoouri has an annual fee. d vA bebW at to begiaulg d each anniversary year yourACodaa is open. The amount of the fee appears on to statement when to fee is b&d. Be wrnrA'tt+a is not rehndabl unites you fto* us trot( you wish to close your Aowwtvatnn 10 days.d. Lie nv fng ordetrey date of the statement on *'o the. tee i6 Dined. You wR receive this refund even l you use you Cad during Baal period. Periodic: Flinewo Charges. We sort your trasaclim into groups of pnadwes. cash advances. and balance transfers and ton khrther sort the transactions wdWn each group by tkeirArwd Reroenlage Rate. For emr*, pssdhases aulrjed lea promotional rate and faathases subject to a standard rafewoad be separate groups We rcferb these grails as lralsacfan aiegodes. At thevA Beach billing period, we compute balances and Periodic Finance Chars kx each day d the b0" period for each harhsadw category. We use the fobwig actuation to compute Periodic Finance Charges for each transaction category: (Avpapt Yrros (days in billing per od) times [Daly Periodic Rate). Yw wlli Charge Summary on yarbifng statement to mesa amoads. Than we add up the Pentode Fna tee Charges for each basadw category to get the Intel Pbb*FaurneeCharges foryourAcc unt.TheAvenageDailyaslanceisshownaszerot,becausedthegraceperiod.notPeriodcFinanceChargesapplytomebalance ma trahsx6an category. The Daily Periodic Raw is 11665th dmemrespondngAnaraf Percentage Rae. WQ use teAwoW Daly Balancefndn&g n w bonacft melhod d r0cxha6ng to balance upon W *b we bipose Peilo6c Finance Charges. We compute IwAverage Daily Ba breadn hasackn cWW, by ad ft up el tedaiy babntes in abil'mg period for a kansadim category and dividing the total by to number of days let the bog period. rNecoepebie dotty balatceir air tasacbon cabppoonnyyron each dayby tad adding is Moving to the pev on dais daily balance: iarsacti wgtn arransedion Dale d thal day as Oman your bRng 3taemeA, mess the fmsadm is paled to yaaAmount after the dosed the btlig period in which k own, in Mich case thetrabattion vnill be added btedatybalal0easritefouldeyeltobMmpmWlnwhichtispassedtoywAom M,leesdwWMm4wyandPerb*Firwmforgesahouedm#wpreufasday'sdaffy balwAg and by that subtracting any orefs and payments td areappled agaist tie balance of the fasadon category on Met day. In cabublig the daily b>tiacefori he W day of the W" penodwe consider the ivevious day's dalybab[e to have been your balance for each trarsackas casegory on lnelesl day of your previous biting period. Athxs dwiled b your AocouM are added to to standard purchase transaction category with to exception of Cash Advance Tt*r-%6m Fee Finance Charges vdhich are added to tae appicablecash advice transaction calegory and Balance Uasler Transaction Fee Finance Charges which are added to the appfable balance transfer transaction category . For TDD j110lownt eskadwns Device rte the psi) assistance, Ovesecall 14WS41-7449. Dmoler nay mentor ardfar retard lelephoseruAs between you and Dboom representatives for gdafty assdrarm purposes. C200111he Discover` card is issued by f kmw Balk, Morten FDIC PA0210 "? DISC r JVER U ? DIscwEl? ccco unt numbw ending in 4210 Account page 2 of 2 Finance Charge Summary Nominal Other Average pally ANNUAL ANNUAL Periodic F. Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE current billing period: 31 days Bdances Rates RATES RATES C-HARML CHARGES _ PUrchaseS $580.88 0.04997% 18.24% V 18.24% $9.00 $0 Cash Advances $0 0.06573% 23.99% 23.99% $0 $0 1lafanco Transfers $2,329.05 001068% 3.90% 3.90% $7.70 $0 V = Variable Rate (nforTnafion For You " ` ATTENTION You? account is past due. Please pay the past due amount now. at contact us to make other arrangements. 8860290 Ques ions? Visit www.Dncover com or call 1-800-DISCOVER (1.800-347-2683). DISCOVER New Balance DISC "VER s3,013.46 04 SOSWA01 0001629 ELIZABETH YEATTER MOBILE EST 221 SHIPPENSBURG SHIPPENSBURG PA 17257-9521 Minimum Payment Due Account Number ending in 4210 $177.00 Erder Amount Enclosed Below Payment Due Date $ [- Juno 11, 2010 Please make check payable to Discover Card. l i h f th Y hl e sum o ou ore over im t. oy t e mont y minimum payment plus the overlimit amount of $113,46. Go paperless and make your account information more secure with password- protected statements orgy you can access. Learn more at discovercomfpaperless. PO BOX 71084 111111llrn11139 r.lsllnl CHARLOTTE NC 28272-1084 Address, e-mail ortelephanechange? 11[lrlll.1.1111 ?lno????,l?nl?ilu?lnlnlullnl.E?nl??i?l' Go to www.Discovor.com or print charmia in space above. 000001986455381247552030134600000000017700 Opening Date: April 5, 2010 - gositg Date: May 4, Discover More Card Account Summary Account number ending in 4210 Previous Balance $2,957.56 Payments And Credits 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Finance Charges + 16.90 Other Fees t + 39.00 New Balance 37013.46 See Finance Charge Summary section following transactions for detailed APR information Credit Line $2,900.00 Credit.liae.Avarkrbfe. 40J00 Cash Advance Credit Line $300.00 Cash Advance Credit Line Available $0.00 You may be able to avoid Periodic Finance Charges, see the reverse side for details. t See transodion detail for o description of any fees charged. page 1 of 2 ,010 Payment Information New Balance 33,013.46 Minimum Payment Due' $177.00 Payment Due Date June 1, 2010 'lndudes past due amount of $117.00 into 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 23.24% variable. Minimum Payment Warning: If you make only Are minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: XOR wk - hlk girl A" - Only the mum 16 years $6,042 If you would like information about credit counseling services, all 1-800LUX 1121 Cashback Bonuse Anniversary Month April Opening Cashbock Bonus Balance $ 1.17 New Cashback Bonus This Period + 0.00 CasMsack Bonus Balance $ 1.27 To teom more, log io of www.Diseovwxom and select Rewords 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1 Access your account securely at wwwMiscover.com Access free online tools like Poydown Planner to create a plan 2. Call 1-BOWSCOVER (1-800.347-2683) to pay down your balance, securely access statements, pay Precise lime your Discovers card available. 681s online and-basily track all transactions 3. Write to us at Discover, PO Banc 30943, Make your money worth moreSM -find easy ways to earn Solt Lake City, UT 84130 and redeem cash rewards For TDD (Telecommunications Device for the Deaf) NEW! Access your account securely through your assistance, please call 1.800-347-7449. mobile phone 8860990 Transactions trans. Past Date Date 01her/MisceNarreous May 1 May 1 WE FEE $ 39.00 See reverse side. DISCOVER Important hdormation.O there is more than one page lotfds bi0rg staWme t, see the back death page for a?nonal intpota d'ahfonnal on, o SeeyourCardehahbnAgteemaM.Yow Cudmarhber Agreeneht costars all flee ears of your Ascahrit z Lod or stden rarda. Report anrne kA yl Cad 1-800-347-381 D BluingWMWSummary. InCasedEmnorOwsiansAbout Your B tyouN*yohrtillisemng,Rifyouneed moreintnmafwnaboutabansacimmyour bill, write tousona o separate ~ of paper atDiscover. PO%x30421.SrALAeCit, UT 841304421, as am atpossible. WemtWhewhomyounoloWthan 60daysalter weseat youlhetasl6Aton o WO Ikewrororpablem appeared. You arm telephone us. but doing so vA W preserve your rights. In your lever, give us the lolbwing intomtation: m Your ram andAcmuM ram ber m The dollar ame"of vie suspected ercr. x 0esafie teaser and err W, If you can, why you bdeve there is an error. If you need more ahlomwtim, describe the item you are unsure about. x You do not have to pay airy mom in question whale we are irmeslimalirs but you we sou obligated to pay the parts of your tip dug are ra in quesfion. While we 7 weape your question. we caned report you as doWulhentor take any acim to coded diemumd you q>eshm. Special Retailer Crete Cud Purchaser: 0 you have a problem Win the quality of goods or services td you purchased with a creddcard. and yo have riedin good W h b caned dieprodem with the awdw A you may toot have to pay the reneadrhg armed die on the goods orsmices. You have this prdetllah only when the pudmepdoevras more trap 550 andtepuldnsewasmade inyour homestale orwidlin100Wes dyownehingxII, s(Hweomoraperalethemetchaed,aAwematted youtheadvauserertforthegoodsor sexes.aipudhassatecmaTedmgardtessdthearmurgabufa dpurchase) PaynwAL Sad only your paymentahd Ow top portion of cis Nalement n are wielope provided. Dona send cash. By sendrg your deck as described above you ahdme us to use nfom adbu m yourdedt b make an electronic WA traaeter ban your account dNe *wKW esiktim indiceled on yore eck or to process ft; -3 - Inas cede bansecGm. M paynheM a processed as an efehlradC fund transfer, me aansler wet be for fl+e aangteMd the check Ma, ve use kaorroagon korn yourd*A to make an ebcwaaohmd kwisw,, irds may be aayhdrawn from your account as soon as the same day we receive your papcem, ad you wit not receive your died back bom your Rnantial wGuli a Timpnorsingof your pwp dmaybedelayed0yousendsash,arrespahdermooterRunswithyewpayment,dyousendthepaymentbathyotheralufressaAyouusearr am" otter, Ow the one ptovlded. Papa* received in proper tam al our processing Wilily by 5PM local are on any day vdl be Cre'dited to your AowuA asd that day Payneats ,.ro:.rn sr ne -4-- r tieait,r sterSP?4 M? ldhhavat he aedam b wwrAcodW as d the next dav, tvou have rrisolaced you r envelope, send liar, paynhme b Uxcover, PO Box Yea eau Pay yore IFreinarn paymut ur a grouter amount aver the telephone, and youcan setup aubrnaic payment, Cal us A i-O 0.347.2683. You wit need this shatenhert and your bath armed oldm41ox You must' erase oil su ficent ends ateava4de in yowba*a wK and sass sa dims mesa comply route U.S. IoM You wit be added to provide to first 5 digits of liars amount sloww t ZIP cods. By ending those numbers as your h ktYeraCSigrhakrre, you vM be agreeing to iris ahMwdrafion ho allow W and yarbw* to deduct each paytneMyou a ombeismyourbx*accavitandbiraieet1Moraeditmkiesbyarbadeammaasappkable,tocornetanerrorinthePr cmMdwchpaymad.Youmust led to }CanhoaM death prdyrlentor you can select an amount such as due 6thineaa Payees! Due or the New Balarz on each s[abmevt. You can cancel eveyrnm, however we rerst teoeivs nhotoeat least three btaske6s der ys n advance d the sdteddad payment You may noifyns by phone at 18118.347.2663 a by mail aline ad I Jimead in the previous be made and how mltch R+wt be Your autona6c paymud athwtad may dc" on the mahn4y slatesnent based on sects err appkdd ring to Ig vide be Ion than in CmdtReporking, We may report iMormsbon about your Account to credit bureaus. tab paynnuds, amsed payments, or oohs dehpn$ on your Account may be reflected in yew credit report. We noauly report the oaks and paymatl histoyof yourAaamltocredit reporting agencies each mmth. If you believe oral cur report is Maoasateatucataplete, please wade us at the iobwitg address: Discover, PO Bur 15916, N94rilglon. DE 198545316. Please include your name, address, home telephone number and Acomml ownber. Ghee PoW an Pmacbmas (at least 25 days} We begin to kipose Periodic Foom Charges mad hasact m born the TrarsarDm Date for the baasacfm shoven on your baling statdnutt unless a barsadlon is posted b your Account ales the close of the billing period in which l occurs, in which case we begin to impose Periodic Faurce Charges on tut Mort from theist day of the biding period in which tit is posted to yourAtim at Nb cohdahce to impose Periods Fvwacegwrges urO the date you pay your woke New Balance shawl m biRlgstatanel by making payments or recei ft eedds. However, it you paid the New Balance m you previous Wing statement by Me Payswr d Due Dateshow an i+atfiag !sterner!. we vdteat irpoae Puiodc Finarhoe Gwlgesm new padheaes, idie. phrdrases fast appearug on tlnecurem thAbrg shtanut. a say twrim der rune pudme.P? by ohe Payment Due ?k on your want bdin9 sblaeM We ail tea the Brace period:' There is rho grace period on balance Iransfersor ash advances. As Mae lent} d n the secfm d yew Cmdlnvinba PgeeneM Ned-How We AWV Payments,' m Woerally aWy payments b you Acoan1 based on oeAewal Parentage Rate appicadebthebalatmaleachkamactmcal .. TMs Mures BetAymdoaotpayleNewBala c (aateo embiQVslaWTogbytiePayaiud0ueD*sbwmhmThalbeing slakarent teeth. depading m the ar neud of your paymtad and tneHretaf Peaert:ge Rates m other taalances, you may trot get a grace period on newpuNfases. Mb uo m finance Charge. We wit dmgeyoua amux In FAW/CE CHARGEdSM iatany tiring penodn uW Pericdte finance Charges of less can S.50 wahM do.ise be inhposed Amwal Fee. It yowAccamt 'man annual tae. R ma be billed at the begovi g death anniversary yea yourAcmA m open. The amount dthe fee appears on are slafemew when tie be is bled The awrral fee is not reiutdable unless you noW us that you wish to Vase yo rAccorntwihn 30 days of the stain" or de my d.'de of she slalerreew on Y* ch the fee's bled. You vA receive cis refu d evert it you use your Cad owing Brat period. Pwimflc Fleance Charym We sat yowbweactos ire groups of purchases. cast a&mxes, ad balance twisters and user krtther sort ore k vdMq each grow by their nnel Penowhoe Rate. Foremn0e. purchases itubjed to a wmnrotm A giaand purchases abject to a standard rate weuld be separate groups. Werefer to Ihm Warps as bansacim akgodes. At tread death billing period, we rmpite balances and Ple o tr6 Finance Charges for each day ate bong period for each trdrsacbm calhagay. We tree the following eghtalon to compute Periodic: Fnnce Chagas [or each transaction caregayr. J(days in bffig pedal) tares (D* Pubic _ u4L t Summan«tYour billing stalerterhtfamm amouhfs. lhenweehidhpmePeriodic Finance chwgesforeachkrsartiahdegarytogaMe totalPaiodcFraartreMerges yourAcowxtTheAveageDaiyg,','-eisshowaszero#,becausedlhegracepeiod,no PenoftRmiceChanges apply bhheb9ahceina tan" ategogr.TitheDaly PerlodoRate s17. MdthemrrespmdegAnnualPowntageRase. We use InAvemp D* Balance (Mcl di g new stmt icaw) tret od of calculating to balance upon which we appose Paiotc Fiance Charges, V& comp fie teAvwdge Daily Balance for each kweaCSon talegony by adding up ad Melody babnces in awing period for a transaction category and d'nidiog the !dal by to mmba cloys in the Ming period. Weompdeto daily balance for each transaction cat" on each day by tirslraddtgto klovlrg to the previous days daily babroe: bwmckm with a Transaction Oaks that day as slow myour biding stalemml,unkssthetansarimtsposted byourAcauhlofthedoedOebidingperiod nW"komminwhichcase theha<sa6mwitbeadded to1edallylad, m asdthek9daydinetrio"periodletwhichRispostedbymAaord,teesdrmgedtddayandPaiodcFinahce Do" accrued on rieprevondays dart} tualarno ardbytharshbbact gsite}audits and payeaeMS ltd ateappied age ns? ore balance d to transadrm calagory m ld day. lu c*Adi hg twisty bAmm br to teal day d the billing period, we consider the'ptewom days verity balance' lo, have been yourb*Ke for each transaction category on Me 40 day of your prewmrs baling period. Ad tees staged to yourAmout am added b the standard Peed %we karsactm categorywitu the exception of Cash Advance Tmnsadm Fee FiranceCkups which are added to ate alp&2Dbcashahwe transaction category and BalanceTrmsler Transaction FeeFtwtwe Charges white are added to lie appicade bah m trarsler transaction auger}. ForTOD (Tddoomnmmicatims Onicefor the OM) assistance, please cats 14W W-744!1 Oacowu may na tahNof record telephone calls between you and Obcom reprtserda0res for Quaw assurance Purposes. 02010 The 0ihswm* ant is rued by Discover Bank, Murkier FDIC PA0210 DISC, - VER tDI pays Spays C?}, VEK ELIZABETH YEATTER Account number ending in 4210 page 2 of 2 Finance Charge Summary Nominal Other Average Daily ANNUAL ANNUAL Priadic Fae Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE current billing period: 30 days Balances Rates (RATES RATES QMM CHARGES Purchases $629.07 0.04997% 18.24% V 18.24% $9.43 $0 Cash Advances $0 0.06573% 23.99% 23.99% $0 $0 Balance Transfers $2,336.64 0.01068% 3.90,% 3.90% $7.47 $0 V = Variable Rate Information For You " ` ATTENTION `"' We previously requested the past due amount on your account. We have no record of receiving payment. The amount due should be paid at once. 8860290 QUeSt1OnS? Visit www.Wiscover.com or call 1.800-DISCOVER (1-800-347-2683). DISCOVER New Balance Minimum Payment Due DISC.- VE9 $3,070.71 $238.00 Payment Due Date July 1, 2010 04 SDSN6AOt 00016M ELIZABETH YEATTER MOBILE EST 221 SHIPPENSBUR6 SHIPPENSBUR6 PA 17257-952I Account Number ending in 4210 Enter Amount Enclosed Below Please make check payable to Discover Card. You are overiimil. Pay the sum of the monthly minimum payment plus the overlimit amount of $17071 Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discoverconVpaperiess. PO BOX 71084 itlwltrr,Ilrrr,InnlriLJ CHARLOTTE NC 28272-1084 Address. --il o: telephone change? Go to www,Discovw.com or print change in space above. 000001986455381247552030707100000000023800 Opening Dole-. May 5, 2010 - Closing Date: June 4, '. Discover More Card Account Summary Account number ending in 4210 Previous Balance $3,013.46 Payments And Credits 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Finance Charges + 18,25 Other Fees t + 39.00 New Balance 3,070.71 See Finance Charge Summary section fogowing transactions for detailed APR information Credit tine $2,900.00 Credit.Line.Avoilable $0.00 . Cash Advance Credit lure $300.00 Cash Advance Credit Line Available $0.00 You may be able to avoid Periodic Finance Charges, see the reverse side for details. tSee transaction detail for a description of any fires charged, Cashhack Bonuse Anniversary Month April Opening Cashback Bonus Balance S 1,27 New Cashback Bonus This Period + 0,00 Redeemed This Period 1.27 Cashbock Bonus Balance $ 0.00 To flan more, 4 m a www.Wrscover-Clam ord scixt Rewards 3 Easy Ways to Contact Us _ A. -Acwu.your occouat.securely atyrww,Dkcover com 2. Call 1-80WASCOVER (1-800.347-2683) Please have your Discoverrecard available. 3. Write to us at Discover, PO Box 30943, Salt take City, UT 84130 For TDD (Telecommunications Device for the Deaf] qSLose call 1-800,347-7449- -800347-7449. IV r v E'er r un A Payment Information New Balance $3,070,71 Minimum Payment Due' $238.00 Payment Due Date July 1 2010 Includes; past due amount of $177.00 taro Payment Warning: If we do not receive your minimum payment by the dote listed above, you may have to pay a kite fee of up to $39.00 and your purchase APRs for new transactions may be increased up to the Default APR of 23.24% variable. Minimum Payment Warning: If you make only the minimum payment each period, you wig pay more in interest and it will take you longer to pay off your balance. For example: Only the minirmum 16 years $6,148 payment If you would like information about credit counseling services, call 1-800-347.1121 Manage Your Account Online at www.Discover.corn Access h w online toals.like. PaydPwo Plane to create a plan- to pay down your balance, securely access statements, pay bills onrme and easily track all transactions Make your money worth morew-find easy ways to earn and redeem cash rewards NEWI Access your account securely through your mobile phone Transactions Trans. Past Date Date other/misceNaneaus Jun 1 Jun 1 LATE FEE $ 39,00 See reverse side. DISCOVER Importatt lalor iaNou. ti lnerea marelan one page b this blfvig statement see the back at each page Brad?ahal mpoctant nth mation- Seey*wCadmemberAgremientYcwCa raytwAgreenencontainsalheterradywrAccourd Lost or violent tank. Report imedatd - Can 1.x00.347.2683. Biilnp Rights SurnnaM In Case ofEnora or Qresbors About Your Bib; H you Oft yorbil is r mM or Tyou need pore i forrnatim about a transaction on your ben, woe to us on a separateseedofpowat Discover.POBoot30421,SanLakeGry,UT8413D*421, as soon as possible. We mustfewfrom younolater than60days after wesentyouxtef bilon which the eror or problem appeared. You an lelepltan us, bur doing so vAl not preserve your rights. In your letlar, give us the folovring inkrrWion: Your nave andAceowBifir"d c The lobs amm+d of thesnrpeclef emy.. Describe Ole error and eoplaik Wyou amt why you believe there is an etmc n you need mau i ionix ion, desmbe he Aem you are unsure about. You do nilhmetopay9"mu In question while weareinvestigating. butyouare sMobli-pWbpaytheparts dyour bill OWarenilinquestion. While weswre0geteyour W115411011. Yreanrl0l report you as defixarat or we any action to cOW Ste amount you questim Special Rub IorCmdd Card Purchases: 0 you Irate a problem with he WaBY of goods or services hat you purchased each a credit card, and you have tried in good fob to correct the problem wilt One mendtan, you may not have to pay herefraining amount due an he goods or serviges. You have river protection only when the purchasevice was rose that SW and he pardtesewaia mede in your how stale orvdit 160 miles of your mailing address. (a we own or opera* he merchant, or A we mailed you the adverbsermit for the goods or services, al ptedhasm ere corded cegadess d he amount or bcatio n of purdwe.) Psyr mla, Send only your permit and ft to portion cans satemen In the envelope proMed. Do not send cash. By swAV your check as described above, you authorbeas to use idmhWionao your check tonaalee an elecaonc fund transfer tom you sccounatthe kwivalns4ir4on indiaied on your deck or to process he payment as a dock bansecl m. ti paymeMis pnoaased as an deaaic tureen trarhsfer, the basfer wit beta toe smoml d lie check. Yvher ere use inlomWbat from your doecic to make an etedrouc turd transkr, fads may be withdrawn from your account as soon as the same day we receive your payment, and you wi not receive your drodk back from your financial instiaaon. The processing of your payrmt maybedM%*d 0you send cash. correspondence a olm Aerra wilt yawpeyatmt, it you send ft payment to any other ad*=or if you use an ermbpeoher Mat the one prowled. Permits: secefred in proper lam at our processing facility by S Mlocal firm on any day YM be credited to yoi rAccouetas of 10 day. Payments received of our pace" b* aMer5%bcal imewR be credited to yeurAocarl as f Ae neitday U? }_aahavevaOaced you emdope, send your payment b DismRr. PO Box 6!03, Card Skein L 6010-SiO3. Phase aWw7--10 days for de6ary Ityour pa mil is- iekmted unpaid, we mum the right b resubrwl it as an eleciwiid". You can pay your r irhinum payment as greeter amount over he telephone, and you can setup adoraatic payments. Cal us at 1-800.347-2683. You wN need M statement and your bank adodud infonerat eo. You nnimeasuae Prat sistlded Ask; we walabte b your baca account and antOr" HOrs must maply w n U.S. IOW You will be askedlopmvide la first 5 digrYs of your saartstawrnheM ZIP code. By fer" thosenanibena as your decbordc signal ik you wi be agreeing to ft adboiration to slaw us and your bank bdedud each permit you aulnMte from your bask account and to nliale debits credit entries to you bank acoomL as app cable. boarod an era in the processing dsuch payment You must yea us Steamtnldeadrparne oryoucatselectenamomtsuch asthelxninnmPaymentDueortoNew8abriceoneachstalanat.Youcancannelapayrned;bowemwe rtrW rruoeiraro6ceal lrsa# leee busihesadays in advanadlre scheduled payment. You cosy nolfyus by phoreal f-000.347.2603 a by oral at headdrevs kied is meptevious paapraplt. ti youpapmts vary in auorrt, we wR fen bar m each mon1My statentet wicen you payment wg be mhde and ruwrn>Ur A rill be- Your ahdornatic payment amount may be lass Manrdkatedonhenotably sfaiarentbased onci orpaym its applieddtxigthebTeVcycle. Credit Reporting. We mntyreport idonualm about yorAOOaut m aeuit buresars. Law payments, iffissed payments. or other delaWs do your Accout may be relected in yea aerit report Wes namaly repel the daps and papnert hislay dyourAecoat b aedil spotting agencies each monk. II you belew¢:1hat our report is inaocurale a i corrpbte: please write is in the b8owing address: Diticom. PO Bak 15316. Wlme kwk DE 196303376. Please include your came. address, home Weplvone number and Account comma. Grace Pabd on Purchases (at leadadayi* Webeginb inpose Periodic Fira ce Charges coal hansacbra Bon rie rtansacion Date for Ihetratsacbm shown on yourbling staramt, satess a basad ion is posted b your Aooain ale to dose d the brTahg period b whichibomm in whido case we beget to impose Periodic Fwha ceClwges on that transaction from tie lest dayd Meb" paten in which it is posted b yourAaout We canirwe tbhnp0aePe bQC Frianoe Charges in* he data you pay yarenare New Balantce shawl at yo rbliing stalermt by esideg paymentsa receivingaedas. However, iryou paid he FleorGafaoe an your previous thing syatenunt by the Paymh moue Gate shownt on bat berg dolaaert we wR ad irpm Penodn Fnance Charges an raw puic haves, twit. pirdashs lest appearing on Meament b0ing statenent arany portion d e new purtbampeidbytwPaymetOveDakonyourcunentliftsbiamLWecalthahe'gracepaiod: Thmsmgrace period onbaburetransfasacash adwarcmAsam rwy desabad in tie sedDm d yourCaMnnenma Agoeeennerd 0ded lim WeapdyPanmts.' we gmeally apply payments to your Aoccurt based an he Amoab paoaaage Rate apptiable m hC balance of each ti u clim category. This nears Mat if you do rot pay toe New Balance on the taaat ttlingsla mi by the Payment Due OW shD t on that Wrwg stalem# ben, dependiing onSte amain d yar paymed and McAm" Percentage Rags on other balances- you may not gel agrace period on row purchases. Mbiesum FWvnceClwge. %L-%Q c hwW you a nninintm FRAWE CHARGE of 50 for arty t3rg peiod in vAnch Periodic Prance Charges of Less I m 5SO would Otherwise be ir posed- Amnrat Fee. lt yowAcwurtMs an ann aF fee. A w1 be Model the beginning dearh anniversary year yourAomunt is open. The amount of tle lee appears on titestatenned when the fee is billed. The annual lee is rd a fridatle uniess you naly us Ohl you vA sh to dine you Accoeu vwilin 30 days of the.n4ing at debv" date of tle slailen nton wtncb ft ter is Wed. You vA receivextts retied even if you use your Card during that period. Psrlodrc FinaaoeChwW. We sat your trair"Wiainn gawps of purchases, cash advances. and balance traafas and then Withersof the fro iSwO rs vN fin each group by t eirAmhab Paanlage ham. Foresanple, purchases subject to a pronwotimat sate ad purchases PA* d b a standard We YOW be sepaategtwps. We refer b Otese groups as transaction ahgaies. At the end deader bang period, we owpt4e betances and Periodic Finance Charges for each day of thehMn9 period l or each harsarSm category. We use the loflowirtg viWa8on tocor pie Peiode Rance Ourges for each hrarsaetion ategdy! ( Imes (days a bling pericd? limes (lyaly Periodic Rale). Y ?hce Cfoge?amiap m yoirtoiltirig stalererrt brlhese amomis. Then we add up the Periodic Finance Charges for each transaction ategay b get the bfa) Pt1h16d fInancel7tatge5 tayourAdcouhLThe Areage O*Balaneais shown as zoo A, because of the grace period, re Periodv: Fwwxe Chagos apply to the balance in a basaciantalegay- The Daly P&%L%RMe is IM-A d Rte carespwftAwwal Pom ege Rae. We use heAmage Daly Haltom (Wadng newtvansaciors) method dak+da" the balance upon wiuch weintpose Paio6c Fannon Barges, ft corpule 1heAverage Daly Balance for each frarhsaC60nn cob" by adding up al Me daffy balances in a burg period bra bansacim rahgayand dividing the ldal by Ote note ddays in the bing period, WeaaipnbhbsdaffyhalarcefaeadtBaesactiencategory meachdaybyfirs! addingOeWyowngbliepwifiasda)rsdailyWarm sahsactioswith a7ransadtimDate drW day w etWnlron yoarbib+g sWareif, unless lie taxation Is posted to yourAomd aher he dose alto bi ft prod In vAach Adocas, in which case hlaansxlm suit be added to he defy bobntoe asd lie irst dayrdewWRig period b Witch his posted to yotraooolin. tees dogged Malday aid Paiodd Firtatce Charges awned on die previoa mays daily babaoa and try lux shAMradig soryaedlt and paymats Mat are applied against the balance dthe traese0ort calegay on owday. in atwlaang Thedeiybakroce for die bee day d . hail gPeriod.vaansiderMe'brevfoiadaysdairybalanne blimbeen your balance foreach transaction ategoiymllalast daycifyour previousbipgperiod Al kesdnarged myourAOOart are added b the startled Wdiaisetansactim categorysit h thr omepeon dCash Advance Traraar3m Fee Finance Charges which are added to the appliahlecash advance traaacYonh abgory and aderrsrransier Tansacfion Fee Firm" charges wltdn we added to the applicable balance aaasler transaction category. ForTW (Ideeoaammirriiens Desriaebr the Drat) a$SfSbr4k Please can 1-800347.7440. O-scovermayrmnioraodta reaordtehpfionecassbdnuaei bar ant D'acrwer represarlatiues br hytailyrassurahoe Dtrposes. 4y2010 The Discoed, ofd is issued by Discover Bair, MemberFDtC PA0210 ^:: } DISC,_?. V ER u pays to DISCOVEK ELIZABETH YEATTER Account number ending in 4210 page 2 of 2 Finance Charge Summary Nominal Average Daily ANNUAL ANNUAL Periodic Fee current bitting period: 31 days Daily Balcin ces Periodic Rates PERCENTAGE PERCENTAGE RATES RATES FINANCE CHARGES FINANCE CHARGES Purchases $678.02 0.04997% 18.24% V 18.24% $10.50 $0 Cash Advances $0 0.06573% 23.99% 23.99% $0 $0 Balance Transfers $2,344.24 0.01068% 3.90% 3.90% $7.75 $0 V = Variable Rate Information For You "` ATTENTION * " Your account is seriously past due. Paymeni of the amount due and omangements for Future poyments should 6e made immediately. 8860290 Questions? Visit www.D6cuvw.com or call 1.800-DISCOVER (1.800-347-2683). DISN lVEi? New Balance DISC 'vER $3,128.14 04 SDSN6A01 0=631 ELIZABETH YEATTER MOBILE EST 221 SHIPPE14SOURG SHIPPENSBURG PA 17257-9521 Minimum Paymerd Due Account Number ending in 4210 $300.00 Ender Amount Enclosed Below Payment Due Date i August 1, 2010 r Please make check payable to Discover Card. You ore overlimit. Pay the sum of the monthly minimum payment plus the overfiun@ amount of $228.14. Go paperless and make your account information more secure with password- protected statements arty you can access. Learn more at discover coralpaperless. PC BOX 71084 lllsnrllrsallrr•slrrlrllrr) CHARLOTTE NC 28272E-1((0184 i Address, email or telephonechonge? 11111111411 fill] (rrllii(11-110 1111nl}il?lll(rt(11? 1!111111 Go io www.Discovor.com or print change in spoce above. 000001986455381247552037281400000000030000 Opening Date: June 5, 2010 - dosing Hate: July 4, 21 Discover More Card Account Summary Account number ending in 4210 Previous Balance $3,070.71 Payments And Credits 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Merest Charged + 18.43 Fees Charged + 39.00 New Balance 3,128.14 See Interest Charge Calculation section following transactions for detailed APR information Credit fine $2,900.00 Cseda.".Ava'iloble. $0.00 Cosh Advance Credit Line $300.00 Cash Advance Credit Line Available $0.00 You may be able to avoid Interest Charges, see Additional Important Information for details. Coshback BOnuSe Anniversary Month April Opening Cashbock Bonus Balance $ 0,00 New Coshback Bonus This Period + 0.00 Cashbock Bonus BolanrA $ 0.00 To L-n mwe, log in of www.Discover corn 310 page 1 of 2 Payment Information New Balance $3,128.14 Minimum Payment Due` $300.00 Payment Due Date August 1 2010 `Includes post due amount of $238.00 Late Payment Waring: If we do not receive yaw minimum payment by the date listed above, you may have to pay a late fee of up to $39.00 and your purchase APRs for new transactions may be increased up to the Penalty APR of 23.24% variable. Minimum Payment Waring: 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: ...... . ..... Il. I ?R '. m Only the minimum 16 years $6,254 payment If you would like information about credit counseling services call 1-804347.1121 3 Easy ways to Contact Us Manage Your Account Online at www.Discover.com I Access your account securely nt www.Diuovw.com . Access (tee online tools like Poydown Planner to create a plan 2. Cap 1.800-DISCOVER (1-804347-2683) Please have your Discaiere card available to pay down your balance, securely access statements, pay bilk online and easily track all transactions 1- Write to us at Discover, PO Box 30943, SaNlake City, UT 8d130 (No1 a payrert address) n5rib m Make worth morel-find eas' s to eon worth y For payments, please send to address on remittance or Ma redeem cos h s Discover. PO Box 6103, Carol Stream, IL 60197.6103 • NEWT Access your account securely through your For TDD (Telecommunications Device for the Deal) mobile phone assistance, please cap 1-804347-7449. FIARAIDGA tCfI1SQCf10t1S Trans. Post Dab Dab Fees Jul 1 Jul I LATE FEE $ 39.00 TOTAL FEES FOR THIS PERIOD 39.00 Interest Charged INTEREST CHARGE ON PURCHASES S 10,91 INTEREST CHARGE ON CASH ADVANCES 0,00 INTEREST CHARGE ON BALANCE TRANSFERS 7.52 NOTICE: SEE REVERSE SIDE FOR VAPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downfoadable, password protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. Get helpful payment reminders through e-mail or text messages on your mobile phone. i Prini a paper copy of your statement anytime. • Sign up today at Discover.<omrpaperiess 020 1O 07scova Beek, Member FMC PAPER.0310 Transactions Trans. Post (cont.) Dale Die htmost Charged TOTAL. MUST FOR THIS Patm E 18.43 2010 Totals Yearto-Date 8860290 TOTAL FEES CHARGED IN 2010 S 156.00 TOTAL INTEREST CHARGED IN 2010 113.83 co O (n z O 0 0 in x V QUestlOns? Visit www.Dismyer.com or DISCOVER call 1-800-DISCOVER t1-800-347-26831. DISU'VER It pot's to EUZABEfH YEATTER DISCOVEK Account number ending in 4210 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Biding Period 30 days ERCENTAGE ECf TO TYPE OF BALANCE U INTEREST CHARGE A ?j i Purchases 18.24% V $727.72 $10.91 Cosh Advances 23.99% $0 $0 Balance Transfers 3.90% $2,351.88 $7.52 V = Variable Rate Additional Important Information Sew your Cardmernbor Agreement. Your Cardmember Agreement contains all the terms of your Account Lost ar stolen cards. Report immediately! Coll 1-800-347-2683. What To Do If You Think You Find A Mistake On Your Statement if you think there is an error on your statement, write to us at: Discover, PO Box 30,42 1, Soft Lake City, UT 84 1 30-U21 In your fetter. give us the following information: Account information: Your name and account number Dollar amount: The dogor amount of the suspected error. Description of Problem: If yon think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true: We cannot try to tolled the amount in question, or report you as delinquent on that amount. • The charge in guesf'ton may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine That wo made a mistake, you will not have to pay thte amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question, you are responsible for the remainder of your balance- We can apply any unpaid amount against your credit limit. Your Rights If You Are Dissatisfied With Your Cred$ Card purchases If you are dissatisfied with the ggoads or services that you have purchased with your credit card, and you have fried in good Faith to correct the problem with the merchant, you may have tho right not to pay the remaining amount due on the purchase. To use this right, all of the following must be five: I The purchase must have been made in your home state or within 100 miles of your current mailing address, :rid the purchase price must have been more than $50. Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you or if we own the company Fiat sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases mode with cash advances from an ATM or WtFi a check that accesses your credit card account do not qualify. 3. You-must-not yet hove fully paid-for the purchase. If all of the criteria above ore met and yyoo are still dissatisfied with the purchase, contact us in writing of: Discover, PO Box 30945, Salt Lake CrUT 8 4 1 30-0945 While we investigate, the some rules apply to Ala disputed amount as discussed above. After we finish our investigation, we will tag you our decision. At thot point, if we think you awe an amount and you do not pay we may report you as delinquent. Paymets. Send only your payment and the topportion of this statement in the envebpe provhdod. Do rat send casts. By sending your check as described above, you authorize us to use information on yaw cheat to make on electror:ie Fund sfer ham your account at }he finaacio insfitufion indicated on your check or 1o process the payment as a check transaction. If pymont is pr«assed as an electronic fund tmnsFar, the transfer wit) be for the amount of tie check. When wa use information from your check to make on electronic fund transfer, funds may be wttndrown from your «coarF ? soon as the same day we receive your payment, and you wilt riot receive your check back from your financial inslituiion. Iran lira processing of your payment maybe delayed if you send cosh, correspondence or other iFema with your payment, if you send the payment to arty other address or if you use an enwelope other than the ono provided. Payments received to proper Form ot our processing tacifity by 5PM focah limo on any dory will be credited to your Account as of fiat day. Payments received ot our processing fachldy aftw SPM local time will be credfled for your Accourrt as of the rretd day, If yo:r hove misplaced year erwelope, send yaw payment ro Discover, f'O Sox 6103 Carol Stream, hl 60197.6103. Pteaso allow 7.10 days For delivery. If your payment is refumed unpaid, we reserve the rig?it to resubmit it as an elechonic debit. You con pay your minimum payment or a greater amount over the telephone, and you can sat up automatic payments, Call us of 1.800 347-2683. You will need this statement and your bank account information- You must ensure that sufficie:rt funds are available in your bank account and all transactions must comply with U.S. low. You wig be asked to provide the first 5 digits of your account statement ZIP code. ertering those numbers as your ofeclronhc Si , you wig be agreeing to this autiorizatnon to allow in and your bank to! educt each payment you authorize from your=count, and to initiate debit or credit entries to your bank account, as cable, to corned an error in the proeesm of such aymord. You must tell us the amount of each payment or you can soled an amount such as the Minimum Paymerd Due or N e New Balance on each statement. You can cancel a xfnied; however we must receive notice at least three business days in advance of the scheduled payment. You may north us by phone at 1-800.347-2683 or by mat at the address listed hn the ions porngrapt. If your payments vary in amount, we will tell you on each monthly statement when your will `ore made and how much it wil be. Your automatic amount may be less than indicated on the mo statement based on credits or payments applied during the - shill riccycle. Cred't sting. We may report information about yaw Acwunt to credit bureaus, late missed payments, ar $?on your Account may be reflected in your credit reep?ortt. We normaAy report arhd payment history of your A«ourt to credit reporting agencies oaci month. If believe fiat our ??port is inaccurate or ineomplnte, please write us at the folbwirtg address: Discovers PO Box 1531 b, tlminglon, DE 198505316, Please indicate pour name, address, home telephone number and Account number NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION R Paying 6derest We begin to impose Interest Charges on u.. transactions from the Transaction bate for the transaction shown on yow billing sfatemerd unless a transaction is posted to yor.x Account after the close of the billing period in which it occurs, in which case we begin to impose interest charges on that transaction from the first day of the billing period in which it is posted to your Account. We continue to impose Interest Charges until the date Vu pay your ertireNew Balances shown on your bill- statement by nick' payments or receiving credits. If you paid the New Bar= on your previous bill statement the Pat' Due Data shown on that billing statement, we wig it& impose Interest Charges on new purcfwsos, that is, purchases first ?t ng on the current billing statement, or onj portion of a now ppur?rcrchase, paid by the Payment Due pet?d Dote on your currant bi rig statement. We call this the "grace period. His not less than 23day s. There is no race o on bolonce konsfem or cash advances. As more fully described in the section of yourCordmember Aggrreement P, r "How We Ap} Payments," we generogy op y payments to your Account based on the APR applicable to tfte balance of each transaction category, This means chat ii you do not pay the New Balance on the current billing statement by the Payment Due Date shown on that btlhng statement, then depending or. the amount of your payment and the APRs on other balances, you may not get a grace period on new purchases. M;,.n.." lnfemst Chasgee We will charge you a minimuni Werest Charge of 5.50 for any billing period in which tnferest u,rg -c. ?f k- than 3.50 would otherw se e imposed. Aru,ual Fee. If your Account has an annual fee, it will be lotted of the beginni of eoch.anniversory year your Account is open. The amount of the fee appears on the statement when the fee is billed. The annual fee is not refundable unless you notify us that you wish to dose your Account within 30 days of the mailing or delivery date of the statement an which the fee is billed. You will receive this refund even if you use your Card during that period, How We Calculate Interest Charges Daily Balance Method Piirtluderg currerst transactions): We figure interest Charges for each billing period. To do this: • We calculate your Interest Charges separately for each balance subject to different terms (for example, standard purchases, standard cash advances and each ptrchose, balance transfer and cosh advance balance subject to, promotional terms). We refer to these balances as rrancodion categories. • We figure the 'dailybalance" for each transaction category. To get the "daily balance" we take the beginning balance for each aadd any new transactions and fees and any Interest Charges accrued on the previous day's daily balance. We chat subtrad any credits and payments and make other adjust men% (including those adjustments required in the section titled "Paying nterest"), In calculating the doily balance for the first day of the billing period, we consider the "previous day's daily balance" to have been your balance on the last day of your previous billing period- This gives us the daily balance for each transaction category. • We figure the Interest Charges on your Account by mukiplying the daily balance for each transaction category by its daily periodic rate, for each day to the billing period. The total Interest Charges for the billing period are t ha sum of the daily Intense: Charges for each transaction category for each day during that billing period. When we calculate daily balances, we add a new transaction as of the Transaction Data shown on your billing statement, unless the transaction is posted to your Account after the close of v e bi21. period in which et occurs , m which case the transaction will be added to the date balance as of the fret day of the g period in which it is posted to your Account. All fees d weed to your Account are added to the standard purchase transaction category with the exception of Cash Advance Fees whir are added to the applicable cosh advance transaction category and Balance Transfer Fees which are added to the applicable balance trori transaction mh9gory- Fereign Currency Fee: 2% of the U.S. dollar amount of each purchase made in a foreign currency. Per,alM APRs: Each time you foil to mako a payment when due, wa may, in acconfance with applicable law, (i) Mrminate the avarlab?!'ty of arty rrtioductory/ romational APRs on new transactions and ri incroase your APRs for new transactions to variable Penally APRs which wiq be determined by addiin!ngg up to an aclldili?5 perc?ga points fo Ate otherwise appicable APR. Your Penohy APR is determined based on your aectitwwthirnsss and oAner Factors such as your cuisent APRs, and your account history. ityow APRs For new hartsactions are irw,y..sel' `st a fate paynart, the P®natf`} APRs will oppfy indefinitely. For TOD (Telecommunkations Device for the Deaf) assistance, please call T-M-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover--iii is issued by Discover Bank, Member FD! OITBK 172 Information For You " ` ATTEMON """ Your account is seriously post due. Payment of the amount due and arrangements for future payments should be made immediately. 8860290 Questions? Visit www.Discover.com or DfSC?VER call 1-800-DISCOVER (1-800-347-2683). DISC. _ vEI New Balance $3,186.99 64 SDSMA01 0001632 ELIZABETH YEATTER MOBILE EST 221 SHIPPENSBURG SHIPPENSBURG PA 17257-9521 Minimum Payment Due Account Number ending in 41210 $363.00 Enter Amount Enclosed Below Payment Dire Date (- Sepieenber 1, 2010 1 Please make check payable to Discover Card. You are ovedimit. Pay the sum of the monthly minimum payment plus the ovedimit amount of $286.99. Go paperless and make your account infomralion more secure viAtr password- protected statements only you can access. Learn more at discover camlpaperless. PO BOX 71084 11111011,rr11rerrlrr1rltr1l CHARLOTTE NC 28272-1084 Address, -moil or telephone change? Go to www.Diuowr.com or print change in space above. 08000Z986455381247552031869900000000036300 Opening Date: July 5, 2010 Closing Date: August 4, 2010 Discover More Card Account Summary Account number ending in 4210 Previous Balance $3,128.14 Payments And Credits 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged + 19.85 Fees Charged + 39.00 New Balance $3,186.99 See Interest Charge Calculation section following transactions for detailed APR information Credit Line $2,900.00 .Crediaine. AvoilO66. .$0.00 Cash Advance Credit Line $300.00 Cosh Advance Credit Line Available $0.00 You may be able to avoid Interest Charges, see Additional Important Information for details. Cashback Bonuse Anniversary Month April Opening Cashback Bonus Balance $ 0.00 New Coshback Bonus This Period + 0.00 Cashback 1lonus Babnce $ 0.00 To team more, log in w www.0ismvercom page 1 of 2 Payment Information New Balance $3,186.99 Minimum Payment Due' $363.00 Paymert Due Date September 1, 2010 "Includes past due amount of $300.00 Late Payment Warning if we do not receive your minimum payment by the dote listed above, you may have to pay a late fee of up to $39.00 and your purchase APRs for new transactiom may be increased up to the Penally APR of 23.24% variable. Minimum Payment Warning: If you make any the minimum payment each period, you wig pay more in interest and it will take you longer to pay off your balance. For example: PRO" 1, .v 5 :. Only gre minimum 16 years $6,363 payment If you would like information about credit counseling services, call I-80D-347 1121 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1 Access your occourt securely at www.Discvver.com - Access free online tools like Paydown Planner to create a plan 2. Call 1.800•DISC0VER 1-8M347-2683) Please have your Discovers card available ' to pay down your balance, securely access statements, pay b. Online and easily track all transactions 3. Wr te to us at Discover, PO Box 30943, Walt take City, LIT 84130 (Nbt'a pajWi t aildrii'ss) . Make money worth more?+-firKl to aarrr easy ways d u For payments, please send to address on remittance or and ta orths Discover, PO Box 6103, Carol Stream, IL 60197-6103 . NEW Access your account securely through your For TOO (Telecommunications Device for the Deaf) mobile phone assistance, please call 1-800-347,7449. tons Trans. Post Dab Date Fees Aug 1 Aug 1 LATE FEE $ 39.00 TOTAL FEES FOR THIS PERIOD 39.00 interest Charged INTEREST CHARGE ON PURCHASES S 12.05 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 7.80 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloodoble, password protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your maiibox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. prim a pope[ ropy of your statement anytime. Sign up today at Discoveccom/poperless I 02010 Discover Bank. IAembv FDIC - -.` -- .- PAKR.0310 __I Transactions Trans. Post (cont.) Dols Date intsrsst chorged TOTAL 44RREST FOR THIS PERIOD $ 19.85 2010 Totals Year-to-Date 8860290 TOTAL PEES CHARGED IN 2010 3 195.00 TOTAL INTEREST CHARGED IN 2010 133,68 N Q co Z b 0 0 0 w N m X J Questions? Visit wwwmiscover com or DISC?VE1? call 1-800-DISCOVER 11-800-347-26831. New Balance Minimum Payment Due Account Number ending in 4210 DISC, VEI S3,232.66 $427.00 Enter Amount Enclosed Below Payment Due Dale $ - -? October 1, 2010 Please make check payoble to Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $332.66. e.. # 04 SDSN6A01 0001633 Go paperless and make your account ELIZABETH YEATTER informationmoresectNewithpassword- MOBILE EST protected statements only you can access. 221 SHIPPENSBUR6 Learn more at discovercomlpaperless. SHIPPENSBURG PA 17257-9521 PO BOX 71084 11111fill 1/II/1/1I11I11111I CHARLOTTE NC Z8Z72-1084 Adcires;,e-mail or lelephone change? Go to -v.Dis<*wr.tom or print change in space above. 000001986455381247552032326600000000042700 ber 4, 2010 Me 1 of 2 Opening Dane: August 5, 2010 - Closing Date: Septen Discover More Card Account Summary Account number ending in 4210 Previous Balance $3,186.99 Payments And Credits 0.00 Purchases . + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged + 20.67 + Fees Charged 25.00 _ New Balance 3,232.66 See Interest Charge Calculation section following transactions for detailed APR information Credit Line $2,900.00 e Credit.Liae.Avoilable. $O.OD. . Cash Advance Credit Line $300.00 Cash Advance Credit Line Available $0.00 You may be able to avoid Interest Charges, see Additional Important Information for details. Payment Info, niatron New Balance $3,232.66 Minimum Payment Due' $427.00 Payment Due Date October 1, 2010 'Includes past due amount of $363.00 Into Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Peaolty APR of 23.24% variable Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. for example: _ ' nits 1 of Kbp ' y es 0 11 r ? `rkor fl. I c ?1I NO lw , _ } Only the minimum 16 years $6x434 payment Cashback Sonuse Anniversary Month April Opening Coshback Bonus Balance $ 0.00 Now Cashbock Bonus This Period + 0.00 Cashback Bonus Balance $ - 0.00 To torn more, 69 in a www.Diacover.com 3 Easy Ways to Contact Us Manage Your Account OnCfne at www.Discover.com 1 Access your account securely at www.Disc~.com • Access Free online tools like Poydown Planner to create a plan 2. Call 1-8004)ISCOVER (1$00.347-2683 Please have our DiseoveM card availab e to down your balance, securely access statements, pay ll t bill li d il t d ti y . 3. Write to us at Discover PO Box 30943, SSR'Lake City' UT 841 §0 (Nof a-payment address) s on ne an eas y ra e a ransac ons ' Make your money worth -more SM -find easy ways to earn For payments, please send to address on remittance or and redeem cash rewards Discover. PO Box 6103, Carol Stream, It 60197-6103 • NEW! Access your account securely through your For TDD (Telecommunications Device For the Deal mobile phone assistance, please cap 1.800.347-7449. Transadions Trans. Post Dote bate Fees Sep 1 Sep I LATE FEE $ 25.00 TOTAL FEES FOR THIS PERIOD 25.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 12.85 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 7.82 If you would like information about credit counseling services, call 1.800.3471121 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC VEIL Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable, password protected statements- See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. P. ink c peer Copy of your statement anytime. Sign up today at Discovercom/popedess ®2070 Discover Banc, Member FOIL PAPER, 0310 Transactions N 0 z Trans. Post (cont.) Deft Date 0 a 0 k terest Charged TOTAL INTEREST FOR THIS PERIOD $ 20.67 M W 2010 Totals Year-to-Date m TOTAL FEES CHARGED IN 2010 S 220.00 TOTAL INTEREST CHARGED IN 2010 15435 8860290 Questions? visit www.D'tscoverwm or DISCOVER call 1-800-DISCOVER (1-800-347-2683). New Balance Minimum Payment Duey Account Number ending in 4210 DISCOVER $0.00 3 s55s.00 Enter Amount Enclosed Below Payment Due Date - _ _ November 26, 2010 31 SDSNSA010001224 ELIZABETH YEATTER MOBILE EST 222 SHIPPENSBURG SHIPPENSBURG PA 17257-9521 Go paperless and make your account information awe secure with password- protected statements only you can access. Learn more at discover.coWpapedess PO BOX 6103 t??urllrrs„ll,rrrll,llrrl CAROL STREAM IL 60197-6103 Address, ermaii or telephone change? i,{ltri?trrur???,?tt?u,?r??run?i?unr?iltrrr.+ Go tv wv w.Diseoveccam or print charge in space .Dove. 000001986455381247552000000000000000055800 Opening Dote: October 5, 2010 - Closing Date: Octal Discover More Card Account Summary Account number ending in 4210 Previous Balance $3,288.27 Payments And Credits - 3,288.27 Purchases + OM Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged + 0.00 Fees Charged + O.OD New Balance 0.00 See Interest Charge Calculation section following transactions for detailed APR information Credit Line $2,900.00 Credit Line Available $0.00 Cash Advance Credit Line $300.00 Cash Advance Credit line Available $0.00 Cashback Bonuse Anniversary Month April Opening Cashbock Bonus Balance $ 000 New Cashbock Bonus This Period + 0.00 Coshback Borws Balance $ 0.00 T. kern mac, log in at wvrvr.D6cover.com $0.00 $558.00 November 26, 2010 Manage Your Account Online at www.Discover.com • Securely access statements and free online tooh, pay bills online and track and view all transactions simply and easily • Make your money worth more-W -find easy ways to earn and redeem cash rewords • NEWI Access your account securely through your mobile phone 3 Easy Ways to Contact Us 1. Access your account securely at www.Diseaver.com 2. Cal 1-80UNSCOVER (1.800.347-2683) Please have your Discoverm card available. 3. Write to us at Discover, PO Box 30943, Sob Lake City, UT 84130 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-804 3 4 7-74 49. Transactions Trans. Post Date Date Payments and credits Oct 31 Oct 31 INTERNAL CHARGE-OFF $ _3,288.27 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 !merest Charged TOTAL WREST FOR THIS PERIOD $ 0.00 2010 Totals Year-to-Date TOTAL FEES CHARGED IN 2010 $ 255.00 TOTAL INTEREST CHARGED IN 2010 174.96 Jnfiampi 0IU% Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE Currant Bulling Period- 27 days RATE (APR) INTEREST RATE Purchases 1824% V $O $0 Cash Advances 23.99% $0 $O BehKKe Traisfen 3.90% $0 $O V = Variable Rate Continued on reverse side. DISCOVER Additional In mdan} Information Inpodont Inforsnatfon. B here a more than one pogo to this Wittig statement, see the back of each page For additional impatient information See your Cardrnetnber Agreemeyd, Your Cardmember Agrees e t contains all the terms of your Account Lost or stolen cords. Repoo meedi aely+ Calf 1-800-347-2685. What To Do If You Think You Find A Athfeke On Your State-tot d you thrrdt there n en error on your slobmeM, wr8c tout of Discover, PO Box 30421. Sak rake City, UT 84130,0471 M your leper, giwe us the lo6owing uhiarmaian Account uiormvhar Your name and accoun} number Dollar omowsl. The dollar amount of the suspected ma Dos<nptan of problem If you ssvek these is on error on your 6+11, dexrrbe vrlhot you 6etr+we is wrong and why you believe it is o mistake You muss contact us wdtdn 60 days ohei the artor appeared on your statement your mass notify us of any potential errors in writing You niay cob us, but if you do we ore rat required so n-AF1ote arty pwt nlah caws and you may have to pay hhe amount to question While we m-figw,, whchu+ err mot 1 a-e li- bn.:n on c , r, lh+. Following err.: o c W, onion, try to coped efic amrwrn in queston. o: triter: yo:. o. deltnquent on hhc+omohn+ The cf+aige in question may tenon a. your :+aremenl, and w may continue fo Charge yrnr in+enr, s+on shat aoxsunf But .f ova ddwminc d,al we e?ad<o mistake. you wdi rat hove ro pay the anwunt rn queston o+ unsy m+rresr+x aher fees nc6+ed ro that amount While you do rid have sat pay the amoun in qucskon, you etc responsrbk for the rcmandcr o{your bokncc We can apply eery unpaid amount ogainsl your credit lime Your Rights If Yen Are ufssafl dived With Yeur Credit Card Fewdwacs 8 you ore dino6slied wish the goods or services that you have purchased wins your credit card, and you line tried in good faah to earned the poblenh with the merchant, you may hove the right not to pay the rerrwir+ing amount due on the purchase To use this right, all of le following must be true - I The purchase cwt It- been mode in your 6ome sate « within 100 miles of your current moiling address, and the purchase price must hove bee. more can $50 (Note: Neither ol loan «e necessary d yaw parchast was bored on on .cl-hsemem we marled s you, or d we own the cosnpany shat sold you she goods « services ) 2 Yw w.sst fharhe used your credo card {« the purchase Purchases mode wish cosh ad-ices from an ATM orwish a check sat accesses your credit card account do not qualify - 3 You must at yet have Fully paid tar the panchahe d all al the viers above are inn and you owe ahN duu n.fied with she purchase, cone-1 us in writing at Dacover, PO Box 30945, Sale lake ". UT 841300945 While we sntesMgaft, Ana some rules apply to she d+spwed amount as Ax-sed obove Aker we Finish our invesigotan, we will *11 you our Jecoan At that powa, Owe think you owe an amount and you J. not pay ova may teport you os Ja6puem Payments. Send ordy your payrsheN end the top portion o{ this ntoumhen in the to, provhded Do not send cosh By sendkh? your check as descried is you oudarrm w b we miamoftan m yaw check to make on eleaI- fund transfer Iron your occouN a de ftnonciol imIution indicated oe your check or to process the ptynhetr os o chock Itonsconc rh t payment n processed as en ekchonc fund kamfer, the hander roil be for the onotmt of de check - When we use ehhotmabn Irraann your check to rr+olsa on elect, . lurid transfer, {olds maybe withdrawn from your accountas soon as she some day we ,aceivr your payment, ors you will not recent your check back bare yaw financial instnosim The pocessrng of your payment may be deloyed i you send cash, corresporhdenc a other items with your L O send the paymml to any other d*"- d you hue an other him the one prowrded Payments received in papa Form of our proir or lac by 5PM local eme an any day wig 6e cted8ed to your Aorown as d kotdoy Poymenc -in-d a ow processing hactl y otter SPM local free will be entities to your Account m of the nett day d you have misploecd your nr tsbpe, send your payment to Deuover, PO gox 6103, Carol Sort", It 60197b 103 Neese allow 7.10 days for deii-y it your payment as rehrrned aped, we rosette the n9k to tesubmn a as on electronic deba You can pay yaw netrinwm payment a a greobr amount over the telephone, and you can sit up automalsc payments COIF us a 1$00+147.2683 Youwill need this statement and thank «couM adamosion You must ensure that suflk;trht Fords are avodalale in your bunk account, and all honsocho.s must comply with U S law Yov w71 be asked so pi-de the lira 5 dgds of yaw account statement 21P code By entering thane numbers or your eladranic sgnoh.e, you wi6 be ageee- to skis arshorim6on to allow us and your bank to JeJud each pa nt you oudux¢e from your bank account and to initiate debit « varlet anh'hes to yaw bask account, os opplicable, to cotrect on error on top«essing d such poymaN You moor tell us she oawuN of coot payment «you con -led are a.oansuch as Ate Mmnnum Payment Due or the New Balance -each sWletneN YW can cancel o poymer t however we +rnur recraee notice a least three Mnincu Boys m edh+ars ol she scheduled paymen You may ,hahy to },), phone nt 1800 7d7.2683 er by mad et lie eddreu Iced in tf+e prewous paragraph 6 your poymenns wrym amoun, we wh6 k6 you an each monddy acstemenl when your paymew w?H be made and how much it win be Your mtomahc payment amount maybe less can indicated on the monthly statement based on credits or payments applied durtng the 6411 g cycle Credit Reporting. We may report mlormatan about your Account to credit bwews W. payments, missed payments, or ode, defwhs on your Account 07 he relkcied m your ands repot We normally rrpart sne suolua and payment 6slory of your Accwn to vest reporMs$ ogence s each mash IF you 6ekeve sat our mprxt is haccarate - Incomplete, ee us at the FoMo," address over, PO Box 15316, Wdm+ngton. DE 198505316 e indicate year tines, address, lame telephone number and Account number Paying interest: We begin to impose Interesl Charges on all Ironsedtonr from the Transaction We for The honsacfioa sf- on your 63 1". statement, unless a kansochon a pontes l. your Accoon ohet the close of the 631" period in which n occurs. m which cost we begin to impose interest c 94ts m that homacfioe ham Ilse Sot Joy d the bAmg Ismod m which i is posted to your Account We continue, $a post Ms. 0 diorges stns tine dote you pay your entve Now Salasce shown on yaw belle" statement by making payments «recewmg credits s you pod she New Balance on your previous 6,16.3 statement by she Parried Duo Data shown on that billing sto inem, we will not impose Interest charges oat new purchases, that is, purchases Pest opp?aring on die current 61619 sbswhent a ay Pathan of a new purchose, pod by the Payaanl Out Dose on your eaten Filling rim anent We toll dais the'gr«e period' k is not less dsm 25 days There is no grace per on bolonce, uamters or cosh advances As more Fully described m she secim at your Cord-raber Agreement Ned *How We Apply Payments; we gesherally apply payments to your Account based on the APR applicable to the balance of each transaction cotcgoty This aeon that g you do not pay the New Balance on she cement bs6ing votemeM by the payment Due Dote shown an that billing ,tasamera, them depending an the removed of your payment and the APRs m other Lelvaces, you may not go a grace period on now purchases Mrisnwss Interest Charge. We will charge you a minimum Interest Charge of S 50 For any biting period in which Interest Charges of less than $ 50 would a6-.ise be unposed Annual fee. 6 your Account fats an emnual Fee, it will be bitted at she begirming of each onnmerse; yeor your Account is open The amount of doer lee oppeara on she sstsrenent when die fee n 60kd The nnnuol lee is na befurdobte unins yw oohy us sous you wish to time your Account wahin 30 days of die rnadeng « nkt+very sae ol she sfabmevv on which the lee is 69ed You willreceive sus tefund wen d you use your Cord during shot period Now We Catetdote Islonesi Charges - boily Balance Wthod (inducting current transactions): We figure Interest Chagas lot each billing period 7. Jo this We colculete your I nerest Charges wparnkiy Far each babble subject to different terms (for exempte, souse wit purclsasa, standard cash odvoncesotd each purchase. 6o6we roaster rxd cash odvorue ba6ce wbiect eoptomononoh terms} We refm b these bafrmces as fronsocthon colegories We figvro M'do,1y balance f« each honwctian cokgexy To gel fhe'daly belaica' we lake the beginning balance foreach day. add any thaw hnarrsocMns and teas and any 6vrest Choryes accrued stn tie previous soy's spy balancer Wr d+en aubtra<r any credit and payments and make other ot?hnhnerns (rnc?fi+dmn.g terse adlustmeMS requvrd in she section hded'Poyrng 1NanesrJ 6 cokulahng the doNy boioncr for fie fuss soy d she hitting peters, we consider sFe 'prev+wa soy i dah7y bclarce' to haver been yohx bolonc a on she lens d y of your prey+wa b6+ng pentad Thb gnvs> a she Body balance far each honnoctron cusegwy We Bgsrre the Insnesl Charges an yaw AccwN by muhiplyk+a the daily balance fix each vamocr,on category ly its doiy peti+sd+c rob, for <nxh day in the IsASng period The total interest Charges tar de biling period ore the sum of the doily Interest Charges f« each hcowd.n category for each Joy during that billing period When we cokubteda?1y. botanists, we odd a rsew transaction as of she Transaction Deft Jwwn on ow 601+ng stol;e:71 unlit: the transacitm 4 posted to your Accowd oiler the close ofthe b" period in which a «cw s, m which case the from eel- wilt fe added fo tie doily botance as of she fsa Jay .1 ilia bd A it is posted to your Account All tees charged to your Account ore added to tie standard purchase tronsaction category with the esme a fees which we added to she applicable cash advance vmm iii n category and Balance Tmmfer Fees which me added to the applicable bot-co transfer transaction category Foreign Currency Fee:. 2% of she U 5 dollar amount of each purchase made m a foreign currency Penally APRr.. Each fine you 64 to make a payment when duo, we may, in accordance with applicable low, (i( termmose de awilabaky *[any invoductay/promahorsd APRs on new transactions, and (4) increase your APRs kr new hons«teom to ramble Penalty APRs which will be deermined by adding up b an addd.sm4 5 pn:rcueege paints to the odhetwue appheob6 APR Your Penalty APR a determined based an your credawontlxness and cedar Factors such as your current APRs, ors yaw account Fmtary If your APRs far new, transactaun «e mcreosed far a lose payment, the Penalty APRs will apply nndefmisely For TDD (Tolocorrwwuniwfions Device for the Deaf) ovAstance, please tall 1-800-347-7449- Docover may ra-hnr and/or record telephone tolls between you and Discover mpresensoives for quality assurance purposes The Discove,r<Rcatd 4 reaaed by Discover Bank Member FDIC OITOK 172 Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloodable, password protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. Get helpful payment reminders through e-mail or text messages on your mobile phone. Print a paper copy of your stotement anytime. Sign up today at Discover.comfpaperfess 02010 D; c - Bonk. M-40 FDIC PAPER.0310 rn O 0) Z m D C?_ 0 0 0 rn w A H X 8860250 QU9StI0nS? Visit www.D'iscoverxcxn or DISCOVER call 1-800-DISCOVER (1-800-347-2683). DISC. -'VER It pays to EUZA13ETH YEATTER DISCOVER Account number ending in A210 page 2 a( 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 27 days TYPE OF BALANCE ANNUAL PERCENTAGE A SUBJECT TO BALANCE NREST CARGE PATE (APR) Purchases 18.24% V $0 $0 Cash Advances 23.99% $0 $0 Balance Transfers 3.90% $O $0 V = Variable Rate Additional Important Information Sao your Cardmember Agreement. Your Cardmemier Agreement contains all the terms of your Aer.ount Lost or stolen cards. Report immediotelyi Call 1-800-347-2683. What To Do if You Think You Find A /Mistake On Your Statement If you think there is on error on your statement, write to us at: Discover, PO Box 30421, Salt take City, UT 8 4 1 3404 2 1 in your letter, give us the following information: Account Informafion. Yom none and account number. Dollar amount: The dollar amount of the suspected error. Description of Problem. If you think there is art error cin your bit; describe what y6u believe is wrong and -why you believe it is a miskrke. You must contact us within 60 days after the error appeared on your statement. You must nolify us of any potential errors in writing. You may call us, but if you do we are not required to investigate arty potential errors and you may have to pay the amount in question. While we investigate whether or not them has been an error,- The following are true: • We conrot try to collect amount in question, or report you as delinquent on that amount. The charge in quest maayy remain on your statement, and we may continue to charge you interest on that amount. kit, if v determine that we m?e a mistake, you wit not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question, yyoouu are responsible for the remainder of your balance. We can apply any unpaid amourt against your credit lim-t. Your Rights ff You Are Dissathdied With Your Credit Card Purchases If you are disswisfiecl with the goods or services that you have purchosed with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of The Following must be true: i The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must hove been more than $50. (Note: Neither of these ore necessary if your purchase was based on an odvertisemert we mailed to you or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM. or with a check that accesses your credit card account do not qualify. _3. You must not yet }gars. Fully paid for the purchase. IF at of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Discover PO Box 30945, Sah Lake City, UT 84130-0945 While we investigate, the some rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. ly your payment and the top p?t,on of This statement in tfts envelope provtded. Do not send cosh. sy Payments St sending y? as described abava, you q>ufhorize urs fo use infomation on your check fo make an elecronrc 4rnd Transfer from account at the r as.al irutitution irxfecatad on your shads or fo process the payment as a chedq Transaction. mipras n afegiinforim r check to ake on smdy ceive your payment and you wit not receive your shack back from your financial }nstitution- gg of yyoouur payment may ba delayed if you send cash, corrosporgdergce or other items wiTh your payment, if you se poymont !o other address or iF you use an envebpe oNier Than tfie one provided. Payments raceiwd in pro per form of our processing locilily by SPM lgxal time on arty day wit be credited to your Account as of ihaF day. Payments received at our processing (oulity esker SPM local time will bo credited to ynur Account as of the next day. ff you Nava T6c"' misplaced yoga ernelope, send your payment b Dfscover, P O Box 6103 Carat Shsam It 60197 G 103. Pleaso aNow i-1 O days for delivery. If your payment is returned unpaid, we reserve the rig?it b resubmit it as an electronic debit. You can 04pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments. Call us at 1-8347-2683. You wit need this statement and your bank account information. You must ensure that sufficient funds are available in your bank account and of transactions must caxnpfy with U.S. law. You will be asked to provide the first 5 digits of your account statement Z0 code. B entering those num6beers as your electronic sigrwfuro, you will be aogroeing to this authorization to allow us and your bank to deduct aoch payment you oulhorize from your bank account, and to initiate debit or credit entries to r bank occouni, as a icable, to correct an error in the processi of such payment. You must Iefl us the amount of each pymf?Kor you cat so act an amount such as the Mipimum Paymart Due or the New Balance on each statement.' Ycu can cancel o ent; however we must receive notice of boil three business clays in advance of v- scheduled payment. You may notfby phone at 1-804347.2683 or by mail al the address listed in the previous par FoPh- If yourpaymends vary m amount, we will tell you on each monthly statement when your payment will be made and much it wiR Go. Your automatic payment amount maybe less thou indicated on The month yC statementbased on credits or payments applied during the bilTmg ce. Cred6 Reporting. We may report information about your Account to credr? bureaus. tale payments, missed payments, or on your Account may Lae reflected in your credit repot. We nornoty report the status and payment history of your aunt ? credit roportirg agencies each month. If believe Nast our ro rt is rrwccurote a incompble, please wriF ar at the Folbwirrg address: Discover, PO Box 15316, W Im ngton, DE 19850531 b. Please indicaFa your tome, address, home tebpftoria number and Account number !NOTICE: SEE REVERSE STOP FOR IMPORTANT INFORMATION DISC WEK Paying inuw est: We begin to impose interest Charges on all transactions from the Transaction Date for the transaction shown on your billing statement unless a transaction is posted to your Account after the dose of the billing period in which it occurs, in which case we begin to impose interest charges on dtot transaction from the first day of the billingg ppeeriod in which it is posted to your Account. We continue to impose Interest Charges unF) the date you pay ur entire r. Balance sham on your billi statement by cook, pymeof or receiving credits. !f you paid lire New Bala ce on your previous ;'.In. stotem ' the Payment Due te shown on that billing staement, we will not impose Interest Charges on now that is, purc ses first my on the current billing statement, or any portion of a new pvrchose, paid by the Date on your current bi ' statement. We call this the "grace period. k is not less than 25 days There is no Grace pentad on balance transfers orodvances. As more fully descnbed in the section of yaw Cardmember gy?eemart htfed'How We Apply Payments," we generallyy all?Iy payments to your Account based on the APR applicable to the balance of each transaction category This means I I iF you do not pay the Now Balonce on the current billing statement by the Payment Due Date shown on that billing statement, then, depending on the dinount of your payment and the APRs on other bakrnces, you may not get a grace period on new purchases. Minimumn Interest Clwirge. We will charge our a minimum Interest Chorgo of $ 50 fur any billing period in which Intetesi Charges of less than $_.,0 would otherwise tw 'Wmposeu- Annual tea. If your Account has an annual fee, it will be billed at the beginning of each annirersory year your Account is open. The amount of the fee appears on the statement when the fee is biffled. The annual fee is not refundable unless you notify us that you wish to close your Account within 30 days of the moiling or delivery date of the statement on which the fee is billed. You will receive this refund even if you use your Card during Oval period. How We Calculate Merest Charges Daily Balance Method (including current transactions): We figure interest Charges far each billing period. To do this: • We cakntlate your Interest Charges separately For each balance subject to different terms (for example, standard purchases, standard cash advarres and each aurchaee, balance transkir and case advance balance subject to promotional femuJ. We refer fa these balances as transaction categories. • We figure dram "daily baance" for each transaction category. To yet the "doily bolonce" we take the beonrti p baksnice for each day add arty new fronsactions and fees and any Interest Charges accrued on the previous day's daily Balance. We flier subtract any credits and ppaayymmers cure make other ad"ustments (including those ad ustmerts required in the section lolled "Paying Fnfarest"}. to calculating the da balance for the- first day of the bing period, vie consider the "previous day's daily balance" to have been your balance on the last day of your prewous in?ng period. This gives us the daily balance for each transaction category. We R re the Interest Charges on your Account by multiplying the daily balance for each transaction category by its tai periodic rate, for each day in the billing period. The total interest Charges for the bitting period ore the sum of the daily Interest Charges For each transaction category for each day during that billing period. When we cakukste daily balances, we add a new transaction as of the Transaction Date shown on your billing statement, unless the transaction is posted to your Account after the close of the billing period in which it occurs, in which case the transaction will be added to the daily balance as of the first day of the billing period in which it is posted to your Account. AN fees charged to yaw Account are added to the standard purchase transaction coteeggcry with the exception of Cash Advance Fees which are added to the applicable cash advance transaction category and Balance Transfer Fees which are added to the applicable balance transfer fronsaction category. Foreign Curronry few. 2% of the U.S_ dollar amount of each purchase made in a foreign currency. Penally APRs: Eodm time you fail to make a pa ant when due, we may, in accordance with applicable law, (i) terminate the avadabrCttyy of arrtyryrntrodudory/ ofional APRs on new transactions and (ii increase your APRs for new transaidioris !o variable P`.naByAPRs which will be detsrmirred by adding up to an ar}ditieno?5percertage points to the olherwiss applicable APR. Yaw Penohv APR is determined based on your credilworthirroasnnd other factors such as yaw current APRs, and your account history. ij your APRs for rtew transactions are ircrea;ed far a Etta payment, fl;e Peno':ty AaRs will apply indefinitely. For TDD {falecomanumicdiens Device for the Deal) assistance, please call 1800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover®card is issued by Discover Bonk, Member FDIC 0 tTEK172 8860290 QveStiOns? Visit www.Discover.com or D1SC?VER tail 1-800-DISCOVER (1-800-3,47-26831. 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 ?4 day of 2011 upon the following: Elizabeth Yeatter 221 Shippensburg Mobile Shippensburg, Pa 17257 By: Matthew D. Urban, Esquire PA 1D# 90963 Weltman,Weinberg & Reis CO L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 WWR# 8860290 CA- PRAECIPE FOR LISTING CASE FOR ARGUMENT (Must be typewritten and submitted in triplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: (List the within matter for the next Argument Court.) ------------------- Z%Z ----------------------------------------------- ----------------------------------------------- CAPTION OF CASE rTt ? GO =M -;? (entire caption must be stated in full) -!" Discover Bank C vs. Elizabeth Yeatter - t' No. 11-3335 Civil Term 1. State matter to be argued (i.e., plaintiffs motion for new trial, defendant's demurrer to complaint, etc.): Plaintiffs Motion for Summa 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: Elizabeth Yeatter (pro se), 221 Shippensburg Mobile, Shippensburg, PA 17257 (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: October 7, 2011 Signature Matthew D. Urban Print your name Plaintiff Attorney for August 30, 2011 Date: F ri -_.' C .{ C3 -n .Z F..•'. o INSTRUCTIONS: 1. Original and two copies of all briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) before argument. 2. The moving party shall file and serve their brief 12 days prior to argument. 3. The responding party shall file their brief 5 days prior to argument. 4. If argument is continued new briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) after the case is relisted. WELTMAN, WEINBERG & REIS CO., L.P.A. BY: Sarah E. Ehasz, Esquire I.D. No. 86469 436 Seventh Avenue 1400 Koppers Building Pittsburgh, PA 15219 Phone: (412) 434-7955 Fax: (412) 338-7130 File # 8860290 SEE/SJS Attorney for Plaintiff(s) DISCOVER BANK vs ELIZABETH YEATTER CUMBERLAND County Court of Common Pleas No.: 11-3335 CIVIL PRAECIPE TO DISMISS WITH PREJUDICE TO THE PROTHONOTARY: Kindly dismiss the above matter with prejudice. WELTMAN, WEINBERG & REIS CO., L.P.A. By Sarah E. Ehasz, Esquire Attorney for Plaintiff x?• 111111 IIIII IIIII IIII IINII IIIII IIIII IIIII IIIII IIIII IIIII IIII IIII ELIZABETH YEATTER 221 SHIPPENSBURG MOBILE EST LOT 221 SHIPPENSBURG, PA 17257