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HomeMy WebLinkAbout11-3903IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff, vs. SHEILA G. EARHART, Defendant. Case No.: 11-3903 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 ;; -.'C,j ' Gl V WWR# 9071114 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, Plaintiff, Case No.: 11-3903 CIVIL vs. MOTION FOR SUMMARY JUDGMENT SHEILA G. EARHART, 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 $10,632.48 with interest at the interest rate of 12.99% per annum from March 3, 2011 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 July 21, 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# 9071114 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 June 17, 2010; and that $10,632.48 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. 8. There are no meritorious defenses against this action and Plaintiff is entitled to summary judgment as a matter of Law against defendant. WHEREFORE, Plaintiff respectfully requests that this Honorable Court grant summary judgment in favor of Plaintiff and against Defendant for $10,632.48 with interest at the legal interest rate of 12.99% per annum from March 3, 2011 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# 9071114 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff No: vs SHEILA G EARHART 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 09071114 C A Pit CXC E IAn?? IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK Plaintiff vs. Civil Action No 'A ART 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 . PDefendai3t is adult individual () residing µt_ the address 1i steel ;elow : SHEILA G EARHART 45 OAK PARK AVE CARLISLE, PA 17015 3. Defendant applied for and received a credit card bearing the account number XXXXXXXXXXXX6577 . 4. Defendant made use of said credit card and has a current balance due of $10632.48 , as of March 03, 2011 . 5. Defendant is in default by failing to make monthly payments when due. As such, the entire balance is immediately due and payable to Plaintiff. 6. Plaintiff is entitled to the addition of interest at the rate of 12.990. per annum on the unpaid balance from March 03, 2011 . 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 _ Al though. repeatedly revue ted :O do so b' sJ_''n f-, DeEen,dant 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 , SHEILA G EARHART INDIVIDUALLY , in the amount of $10632.48 with interest at the rate of 12.990% per annum from March 03, 2011 plus attorneys' fees of $125.00 , and costs. j ames WELTM 43& S Pitts. (412) FAX 0907 warmDroaz, 4,4524 WEINBERG & REIS CO., L.P.A. nth Avenue, Suite 1400 u gh, PA 15219 4 4-7955 4 -338-7130 1 4 C A Pit CXC This law firm is a debt collector atte i.ng to collect this debt for our client and any information obtaine will be used for that purpose. DISCOVER Now 632.4-8 22 SDSNOA01 0005705 SHEILA EARHART 45 OAK PARK AVE CARLISLE PA 17015-9262 Account Number ending in 6$77 I Enter Amount Enclosed Below $t Please make check payable to Discover Card. Minimum ppaayymment due includes a pcmf due amount of 52,234.00. Phone and interest payments must be made by 5:00pm ET for some day posh M pna$erless and make your account information more secure WA password- protected statements onty you can access. Lear mote at discover comJpapertess. PO BOX 6103 Ill rrr ll $ II i r I I I r r l r l t i it II CAROL STREAM IL 60197-6103 Address, e-mail or telephone e6onge8 )r(tu(treru ill(r)uiui(rtirrnr)?I)nru?lr)?arrri)n)r r)) Go to www.Discovw.com or print change in space above. 000001986453579141414,06324800000001063248 )peeing Dole: February), 2011 - dosing Date: Discover More Card Account Summary Account number ending in 6577 Previous Balance $10,632.48 Payments And Credits 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Feel Charged + 0.00 Iraferost Charged + 0.00 New Balance $10,632 8 Sae Interest Charge Calculation section following transactions for delailed APR information Credit tine $10,300.00 Credlbtine Available WOG Cash Advance Credit Una $0.00 Cash Advance Credit Line Available $0,00 ` Ca shba BACK nuse s Anniversary Mordh Aril Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 C6311169a Boras Balance $ 0100 To learn...orw, log m ar www.D6wver.com 3 Easy Ways to Contact Us 1 Access your account securely at www.Diuwor.com 2. Call 1.804DISCOVER (1-800.347.2683) Please have yaw Diseovwercard available. 3. Write to us at Discover, PO Box 30943, Soh Lake City, UT 84130 (Not a payment address) For Payments, please send to address on remittance or Discover. PO 80x.6.103, Carol Strewn, IL6 01 97-61 0 3_ For TDD (telecommunications Device for the Deaf) assMOM*, please call 1-804347-7449. i Minimum Payment Due $10,632.48 ?i Payment Due Data - Mamh 17, 2011 ry 22, 2011 pogo 1 of 2 Payment Information New Balance $10,632..18 Minimum Payment Due* $10,632.48 Payment Due Date March 17, 2011 'Includes post due amount of $2,234.00 [Cle PaymentWarning: 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 far new transactions may be increased up to the Penalty APR of 17.999. variable. Mirvirmirn Payment Warning If you make only the minimum payment each period, you will pay more in interest and it will take you longer to payoff your balance. For example: C Only the minimum ? 7 years I $10,632 Payment If you would like information about credit counseling services, call 1.800.347-1121 Manage Your Account Online at www.Diwmer.com • Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions • Make your money worth moresm-find easy ways to earn and redeem cash rewards - - - NEWT Access your occount securely througlryour- - - - - - mobile phone ;Transactions Q71114 Dra to Doane Fees TOTAL FEES FOR THIS MOD $ 0.00 :6aered f wsw TOTAL KTEREST FOR THIS PERIOD $ 0.00 ;2011 Totals Year-to-Dwe TOTAL FEES CHARGED IN 2011 TOTAL INTEREST CHARGED IN 2011 35.00 45.69 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC40VEIZ Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloodoble, password protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. ° Print a paper copy of your statement anytime. iI • Sign up today at Discovercom/paperless i i 02010 D!$*o Bank, M..&- AXc "P-0310 N O co Z W A a_ 0 0 0 v 9071114 Questions? Visit www.Discwer.com or call 1-800-DISCOVER (1 -800-347-2683). DISCOVER VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA.C.S. §4904 relating to unswoni falsifications to authorities, that she is Natasha Szcz y get, Legal Placement Account Mar_ager, (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. WVV R# 9071114 Sheila G. Earhart 6011007228706577 N WftVnrWC : N44 (d ' I THE 0UR 1 01 (G OUN VY. C STA fh OF rri - + c, I'laintitt', I 'ASE NLJN1BV:R: VF. 11 - 390 3 sv?@ \G DO'endant ANSNVER TO CONIPI.AINT COMES NON the Defendant in the above styled cause to answer the Plaintiffs Complaint as follows: I am attempting to resolve this account through Freedom Debt Relief, please see details attached. For this reason I do not want to pay for any interest nr attorney fees added. Dated this_Vf ,K f -- 201 Respectfully Submitted, Signature 4(rk-fendanl 0--A-FIFICA rr OF SERVI.Cl: I, the undersigned- hereby certify that I have served the Plaintiffor its attorney with a copy ofthis pleading by LIS mail, postage pre-paid, on this the 13 _day of Md y -, 2011. S %e A (, Cu6f'v Dcfindanl kAHIBIT I have enb;iged a company called Freedom Financial (FDR) to help resolve credit card problems 1 am having due to financial hardships. My husband's business closed in December, 2003 and losing his income took a bib chunk of our monthly finances. I did not want to file bankruptcy so saw an ad for Freedom Debt Relief and decided to call them for assistance. The late fees and high interest rates were more than I could handle on a monthly basis, so this program seemed like a good way to workout a monthly plan to try and settle my credit card debt. FDR is trying to negotiate with Discover and they consider the Discover account as high priority; however, I was told I do not have enough equity built up in my account to yet offer a settlement since I have only been in the program as of July, 2010. It was my original understanding that discussions with creditors would be handled through FDR that is the reason I did not bet in touch with the plaintiff. I sincerely hope we can resolve this situation and that the law finn for Discover will be able to workout some sort of payment plan on my behalf with FDR. Sheila Earhart 45 Oak Park Avenue Carlisle. PA 17015 717-243-5273 Earhart5(rigmai l.com IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION DISOVER BANK Plaintiff, V. NO.: I 1-3903 CIV1L SHEILA G EARHART, Defendant. PLAINTIFF'S FIRST REOUEST FOR ADMISSIONS AND REQUEST FOR PRODUCTION OF DOCUMENTS Plaintiff demands that the Defendant answer and respond to the following Request for Production of Documents under oath pursuant to the Pennsylvania Rules of Civil Procedure within 30 days from the date of service hereof. Plaintiff also demands that the Defendant answer and respond to the following Request for Admissions pursuant to Pa. Rules of Civil Procedure 4014. You are requested to admit the truth of each of the statements of fact hereinafter stated. You are instructed that: I. These requests are made under Pennsylvania Rules of Civil Procedure 4001, et seq., and each of these matters of which an admission is requested shall be deemed admitted unless your sworn statement in compliance with such Rules is timely made. 2. If you do not admit each of such. statements, you must specifically deny each one not admitted or set forth in detail the reasons why you cannot truthfully either admit or deny each such matter. 3. Your answer, signed and properly verified, must be delivered to the undersigned attorney of record for the Plaintiff within thirty (30) days after delivery hereof. 4. If you fail or refuse to admit the truth of any such statement of fact and the Plaintiff thereafter proves the truth thereof, you may be required to pay the reasonable expenses incurred in making such proof, including attorneys' fees, witness expenses, etc. 5. If, in response to any of the following statements of fact, it is your position that the statement is true in part or as to some items, but not true in full or as to all items, then answer separately as to each part or item. 6. If you have been sued in more than one capacity or if your answers would be different if answered in any different capacity, such as partner, agent, corporate officer or director or the like, then you. are requested to answer separately in each such capacity. Failure to do so constitutes an admission in any such capacity. EXHIBIT 7. In these Requests for Admissions-. A. The word '!person(s)' means all entities, and, without limiting the generality of the foregoing, includes natural persons, joint owners, associations, companies, partnerships, joint ventures, trusts, and estates; B. The word "document(s)" means all written, printed, recorded; graphic or photographic platter, 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 documents . 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 B. The word "identify", when used with respect to an act (including an alleged offense), occurrence, statement, or conduct (hereinafter collectively called "act"), means to (1) describe the substance of the event or events constituting such an act, and to state the date when such act occurred; (2) identi each and every Verson(s) participating in such an act; (3) identify all other rson s (if any) present when such act occurred; (4) state whether any minutes, notes, memoranda, or other record of such act was made; (5) state whether such record now exists; and (6) identify the person(s) presently having possession, custody or control of such record. 8. Unless otherwise indicated, all Requests herein relate to those certain events, persons, and period of time more fully described in the pleading in this case. 9. These requests are of a continuous nature. These Requests for Production of Documents shall be deemed continuing so as to require supplemental answers and documents if any information of documents are acquired subsequent to the filing of responses hereto, which information or documents would have been included in the answers and documents produced had it been known or available at the time the answers and the documents provided pursuant hereto were produced. Defendants shall supply such information and documents by supplemental answers and production of documents as soon as such information becomes known or available and in all events, prior to trial of this action. If objection is made to any requests for 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, ideptify 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: The Defendant applied for the credit card referenced in the Plaintiff's Complaint, and attached hereto as Exhibit "L" 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: The Defendant received and used the credit card referenced in the underlying action. Admitted Denied If the answer to Request for Admissions No. 2 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 3: The Defendant resides at the address listed on the monthly statements dated May 23, 2009 through February 22, 2011 and attached to these requests as Exhibit "2." 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 "2" 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 "2" are correctly identified for the underlying credit account. Admitted Den ied If the answer to Request for Admissions No. 5 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 6: The Defendant has made no payment on the credit card since June 17, 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. Adn-, fitted 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 "2" correctly identify the interest rates for the underlying credit account. Admitted Denied If the answer to Request for Admissions No. 8 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 9: The Defendant has not submitted any written dispute as to billing inaccuracy concerning the credit card in question. Admitted Denied If the answer to Request for Admissions No. 9 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 10: $10,632.48 is a correct and accurate current balance of the credit card account in question as of March 3, 2011. Admitted Denied If the answer to Request for Admissions No. 10 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE. '?---- L I kL - Sarah E. Ehasz, Esquire _ Pa. I.D. #86469 Weltman, Weinberg & Reis Co., L.P.A. 1400 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR:9071114 DEFENDANT'S VERIFICATION I, , (please print) under penalty of perjury and subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities verify that the foregoing Responses are true and correct to the best of my knowledge, information and belieL 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 ) S?day of ?01 1, upon the following: 45 Oak Park Avenue Carlisle, PA 17015 By: M _ O tw c3 w Q Q D E X t- ? .K U _ q N ? Q W J ? H M Y Mti D a ti r W ? 44 Fl•s tia N z [tea J ? 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N ?I: L L _ Z o ° ~ O w u a I W 0 0 N a v a O N O O 0 a Q ?t N U cC U O U Cd N C) U W New Balance DISCOVER' Minimum Payment Due 00 I $234 Account Number ending in 6577 j t Enclosed Below u t A E $11,703.36 . n er mo n Payment Due Date June 18, 2009 Please make check payable to Discover Card or pay online ® Discovercard.com. 23 SDSN6AOt 0004499 Go paperless and make your account SHEILA EARHART infopapule rmation more secure with password- 45 OAK PARK AVE protected statements only you can access. CARLISLE PA 17015-9262 team more at discovercom/paperless. Addras , e m- or telephone (: -%onge? Prini thong" in space above, or 8o to Discover com Print your email address to receive important Account information and special offers. 000001986453579141414117033 Discover More Card Account Summary Closing Date: May 23, 2009 page 1 of 1 Account number ending in 6577 Previous Balance $0-00 Payment Due Date Juno 18, 2009 Payments And Credits 0.00 Minimum Payment Due $234.00 Purchases + 117.88 Credit Limit $11,800.00 Cash Advances + 0.00 Credit Available $96.00 Balance Transfers + 11,210.00 Cash Credit Limit $5,900.00 Finonce Charges + 375.48 Cash Credit Available $96.00 Now Balance = $11,703.36 You may be able to avoid Periodic Finance Charges, see the reverse side for details. PO BOX 71084 ?))+re((r?ire)r(rejler(r(a CHARLOTTE tJC 28272-108(- 600000000023400 Cashback Bonus! Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance $ 0.00 + 0.29 Cashback Banus(l) Anniversary Month: April Keep building your rewards with every purchase. Start redeeming once you reach $20 Cash6ock Bonus(R). $ 0,29 EXHIBIT I Visit Discover.com to pay yow 61ll for no cost, view our Now Can We Help You? . latest Account information, earn and redeem rewords and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy sef6service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD {assistance for hearing impaired) see reverse side Sob Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Trovol/Entertainment Apr 30 Apr 30 TB£`HAWTHORNE ARCHITEC 800-772.4277 IL $ 58.94 889061 May ) May 1 TBE'HAWTHORNE ARCHITEC 800-772-4277 IL 58.94 907228 Balame Transfers Apr 23 Apr 23 CARDWEM9ER SERVIC XXXXXXXXXXXX2926PE DE 11,210.00 APR 3.99% EXPIRES 01/2013 Apr 23 Apr 23 BAL TRANS TRANSACTION FEE FINANCE CHARGE 336.30 Wmat Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Bolan- Rates RATES RATES CHARGES CHARGES current billing period: 39 days Purchases $0 0.00000% 0.00% F 0,00% $0 $0 Cash Advances $0 0.06573% 23.99% F 23.99% $O $0 Balance Transfers $9192.88 0.01093% 3.^.9% F 40.19% $39.18 $336.30 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Great summer savings are just a click awayl Earn 5% to 20% Cashback Sonus(R) every day at over 100 top retailers litre Sears, BestBuy.com, and Lands' End through our exclusive online shopping site, ShopDiscover(SM). Just visit Discover,com /shoo todovl Imponant information, if trxe is more than one page bo thus Bing statemenL see the back of each page tot arldaionat important information. See your Cardmember Agreement. Your Cardmember Agreemend contairfs at the temp of your Account. Lost or stolen cards, Repoil'nnmedialely! Call 14 MO-341-2683. Biting flights Summary. In Case of Errors or Clueslions About Your WI: It you think your Bit is "Ong, of 4 you need more adounation about a transaction on your bill. write to us on a separate sheetof paper at Discover, PO Box 30421. Sall Lake City, UT 84130-0421, as soon as possible. We must hear front you no later than 60 days after we sent you the first bit on which the error or problem apfx:ared. You can telephone us, but doing so wig not preserve your rights. In your letter, give us flu 6000WM information: You name and Account number. The dollar amotrd of the suspected error. Describe the error and explain, t you can. by you believe there is an error. If you need more information, describe ft gem you are unsure about. You do rent have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. Wnae we investigate your question. we cannot repot you as delinquent or take any action to collect the anvwnt you question. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit rarcL and you have hied in good faits b coned the problem with Ne merchant. you may not have to pay the remaining amount due on the goods or services. You have this pralec6on only when the purchase price was more than S50 and the purchase was made at your home state or within too miles of your mailing afokess. (d we own or operate ft merchant, or it we mailed you the advertisement for the goods or services, at purchases are co:eed regardless ed the amount or location of purchase.) Payments. Send only your payment and the lop portion of this statement in the envelope prodded. Do rot sold cash, By sorbing your chedx as described above, you authorize us to use information on your check to make an electronic fund trander from your acaxrN at the financial institution indicated on your dock or to process the payment as a check transaction. If payment is processed as an ewdnrnic fund transfer. the transfer vA be for the amount of the check. lMnen we use Information loom your check to make an electronic hid transfer. funds may be w it hdrawvr from yokn account as soon as the same day we receive your payment, and you will urot receive your check shade from your fmanciat institution. The processing of your payment may be detayed if you send cash. correspondence or other dems wilh your payment. H you send The payment to any unit addressor A you use an ehrvelope other start t e one yvovdeC Payments received in props form al our processing Wily by 5PM local time on any day via be credited to yourAccourt as ofthal day. Payments received at out processing larnwy after 5PM local tine will be credited to yourAaafnt as of the next day It you have misplaced your efmreope, send your payment to Discover, PO Box 6103; Gard. Suearu, IL 8d 1:1: ;f? Pk:a;e aikw 7-t0 days M n?5+:ry. d yew pavmMm s ed.krrted urq>aid, we reserre the ricyhl fo nrv!rha; t ors an elrrLCkric collet. You can pay you minimum jar, iment or a greater amount ever the telephone, and you can set up automatic payments. Cat us M I-BOD347-2683. You wit need this statemenl and your bank account "mfamation, Y6most ensure that svff4-A fads are available in your bank account, and at ba sactnons roust comply wpb U.S. fair. You wig be asked to provide the fist 5 ftb of your account statement ZIP cafe. By entering trose cwrabens as your elecironio signature, you will be agreeing to this aulwrizallon to allow us and your bank to deduct each parwrt you auRho¢e from ywr bank account and to initiate dead or credit entries to yaw bank account, as applicable. to correct an error in the processing of such payment You most tell us the amount of each po-jowl or you can select an amhoum such as the Minimum Payment Due or the New Balance at each statement. You can cancel a payment; however we must receive notice at feast three business days;n advance of the scheduled payment. You may no* us by phone at 14"7.2683 or by mat at the address Wed in the previous paragraph 11 your payments vary in amount, we will well your on each mofft statement when your payment will be made and haw much it wit be. Your automatic payment amount may be lea than Indicated on the monthly statement based on cremes rr payments applied dutng the t aing cycle. Credit Reporli" We may report ittormatien about your account to credit bureaus. Late payments. missed payments. or otherdetauAts on you account may be reflected in your reedit repot. We normally report tr: snafus and payment history of your Accout to credit reporktg agencies each month. It you bell m that our report is mace Tale or Incomplete. please write us at the following eddress: Discover. PO Box 15316. Wanhhgton, DE 191150-5316. Please include your name, address, home Weawne number and Account number. Grace Period on Purchases (at least 2S days). We began to impose Periodic Finance Charges on at transactions from the Transaction Date for the transaction as shorn on your bMiRg SWWRM, unleeW a 118x.+ etlOn I$ posted to yourAcwuM after the dose of the baling period in which it occurs, In whldh rase we begin to impose Periodic Finance Charges on that "maWen from the first day rA the tiling period in which it is posted to your Account We continue to impose Periodic Finance Charges until the date you pay your err're New 11-Amce, by making payments or recening credits. Hov eves i( you paid the New Balance on your previous br+ng statement by the Payment Due Date shown on dhai b* V statement and you pay the New Balance by the Payment Due Date on your cunerA bdtng statement. we will not repose Periodic Finance Charges on new purchases, that is, purchases first appearing on the wren bAfeg salemen. We cat Nis the -grace period: There is no grace period on balance transfers or cash advances. Minimum Finance Charge, We V.0 charge you a minimum FINANCE CHARGE of 5.5010 any billing period in Mich Periodic Finance Charges of less Nan 5.50 would otherwise be imposed. Annual Fee, t your Account Inas an annual fee, A will be bird at the beginning of each arvdversary year yourAecount is open. The amour of the lee appears on the statement when the fee is band. The arnuat lee * rot refundable uraess you no* us Mat you wish to dose yourAccount within 30 days of the moiling or delivery dale of the statement on which the fee is billed. You we71 receive this rel.xd even d you use your Card during that period. Periodic Finance Charges, We son your transactions into groups d purchases. etch advances, and balance transfers and then lather sort 'he transactions wtlhin each group by the'. Annual Prnzn,?ue Rate F: q 2 '.u.(=e. p ant: t.haea S<::gart k) a (rdnwgut',il . r -w %r . :r *ard rare rw Ad be sep,s hz grarpb. yNc rrfrr b Nisre geaghs ail uansa don categories. At the rernf of each baling period, we compute balances and Pervdic Fin rnx Charges for each day of the billing period for each transaction category. We use the forgo irgequation to compute periodic: Finance Changes for each transaction category: (Average Daily Batanoe) Mmes (days rn biffixg perod) fines (Daily Periodic Rale). (You may rater to the Imumce (Charge summary on yaw tilling statement for these amounts.) Then we add up Die Periodc finance Charges for each transaction category to get the scat Pedod7c Feurrce Charges foryrhe Account. The Average Daily Balance is shown as zero, M, because of the grace period, no Periodic Finance Charges apply to he balance in a tr t* use D' a? Balance Vml ding newtrareacMas) meted of cabAatirg the balance upon ydhkn we impose Periodic Finance Charges. We compute the Average Daily Balance for each transaction category by adding up at the d* balances in a biting period for a transaction Category and divldeg the total by the number of days in the IlVag period. We cormpue the daily balance for each Iransadion category on each day by rest adding the fdbwing to the previous days daily balance: transactions with a Transaction Date of that day as shown on your biting sratorxn, unless the varsaction is posted to your Account after the dew of the billing period it which d occurs, in which case Itee transaction wig be added to the dally balaoceas of the fir day of the biting period in whidr it is posted to your Account lees charged that day and Periodic Finance Charges accrued ail the previous day's daily balance; and by than subtracting any credits and payments Nat are applied against the balance of the transaction cat" on Nat day. In calculating the daily balance for the first day of the bilfrg period, we corsidar the 'previous day's daily balance to have been your balance far each transaction category on the lost day of your previous bilging period AN fees dinged to your Account ante added to the standard purdase transaction category with the exception of Cash Advance Transaction Fee fnanceCho W which are added to the appkcahee cash advance bansactiun category and Balance Transfer Tr-ensactiam Fee Finance Charges which are added to the applicable balance transfer transaction category When . the specid ode expires. we move die unpaid balance of Ne balance tester and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category However. Athe special rate ins been terminated ender the Oefauh Rate section, we leave the unpaid balance of the balance trader and the Balance Transfer Transaction Fee Finance Charges in the applicable balance transfer transaction category until the special rate would have expired. For TDD (Telecommunications Device for the Deaf) assistance, please can I-OW347-7449. Discover may monitor aridlor eecord Wephone tags between you and Discover representatives for quality assurance purposes. The Mcav card is issued by Discover Bank. Member FDIC. O1TBN171 New Balance Minimum Payment Due ' DISCOVER Account Number ending in 6577 l d 1$230.00 $11,508.51 Be ow i Enter Amount Enclose Payment Due Date $ 1 V-- July 18, 2009 Please make check payable to Discover Card or pay online ® Discovercard-com. 23 SDSN6A0t 0004500 SHEILA EARHART 45 OAK PARK AVE CARLISLE PA 17015-9262 Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.comlpaperless. PD sax 71084 III.n1111.nnrLlrnlln.i.l,l CHARLOTTE NC 28112112-1034 Address, *-moil or telephone change? Print change in space Inlrllnlunli)In.lt IIIIulllfrl, l 11 11.11. ??irFUlri lA IJ above, or go to Discover.com. Print your e-mail address to receive imporiont Account information and special offers. 000001986453579147,41.4115085100000000023000 Discover More Card Account Summary Closing Bate. June 23, 2009 page 1 of 1 Account number ending in 6577 Previous Balance $11,703.36 Payment Due Date July 18, 2009 Payments And Credits 292.94 Minimum Payment Due $230.00 Purchases + 56.94 Credit limit $11,800.00 Cash Advances + 0.00 Credit Available $291.00 Balance Transfers + 0,00 Cash Credit Limit $5,900.00 F mance Ch_ _s + 39.15 Cash Credit Available $291.00 _ New Balance = $11,508.51 You may be able to avoid Periodic Finance Charges, see The reverse side for details. Cashback Bonus" Opening Cashback Bonus Balance $ 0.29 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.29 Cashback Bonus(D 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 Discevercom to pay your bill for no cost, v'rew yaur latest Account information, earn and redeem rewards and more It's your choice - 3 wcr/s to help 2. Call 1.800-DISCOVER (347-2683) For fast, easy self-service M anager options or to speak with a Customer Service Account Please have your Discover Card available. 3. Write us of Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) sea reverse side Salt Lake City, UT 8A 130 Transactions $0 fraud liability Guarantee Use your Discover Card with confidence. Trans. Post Date Dote Payments and Credits May 28 Moy 29 TBE*HAWTHORNE ARCHITEC 800-772-4277 IL $ -58.94 000494 Jun 18 Jun 18 INTERNET PAYMENT THANK YOU -234.00 Merchandise/Retail May 21 May 24 TBE*HAWTHORNE ARCHITEC 800-772-42771L 58.94 095310 ffisautwCharge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Bolonces Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $127.38 0.00000% 0.005 F 0.007. $0 $0 Cash Advances $O 0.06573% 23.99% F 23.99% $0 $0 Balance Transfers $11559.17 0.01093% 3.99% F 3.99% $39.15 $0 The rates that apply to your Account are either fixed IF) or they may vary (V) as noted above imporbntlnformation. If there is more than one page to tfiis biting statement, we the back of each page for additional important information. cn Sea your Cardmember Agreement. Your CardmemberAgreemerd Comm all the team of your Ao=nL co Lost or stolen cards. Report immediately! Call 1.81)0347-2687. z y 0 Bitting RIgfft Summary. In Case of Enos or Questions About Your Bill; N you d" you bill is wrap. a d you need more inf ormation about a ransarboYt on your b41, vrtAe to us on a i o separate sheet or paper a D scover. PO Box 30421, Salt Lake City. UT 84130-0421, as soon as possible. We must hear bornyou no later tan 60 days after m sent you the first baton °o which the error or problem appeared, You can telephone us, bid doing so will not preserve your rights. In your letter, give us the following information: A Your name and Account number. n ° The dollar waount of the suspected error, ° Describe Die error and evilain, if you can, why you believe there is an error. N you need more irilo nation, describe the item you are unsure about You do cot have b pay any amount in cluestion while vve are arvestgatirg, but you are still obligated to pay the parts of your bill that am not in question. Wife we investigale your question, we cannot report you as delinquent or take any action to collect de amount you question, Spacial Rule for Credit Card Purchases: if you leave a problem with the quality of goods or services that you purchased with a credo card, and you have tied in good faith to carved die problem wtlh tie rtenchaM, you may not have to pay the remaihig amount dire ai the goods or services. You have 11as pnrieetorf ontyw hen to purchase price was more than $50 and the purchase was made in your home state or within 100 mites of your maoing address. (N we own or operate Me merchant, at N we mailed you the advenisemaM for the goods or services. all purchases are covered regardless of the amount or location of purchase.) Payments. Send only your payment and the wryp portion of this statement in the envelope provided. Do not send cash. By sending your check as described above, you authorize us to use iMomnatiar on your check to make art electronic fund transfer from your account at the financial Instfuton indicated on your check a to process the payment as a deck basadion. N paymentis processed as an electronlo hind transfer, the transfer will be to be amourd of the check. When we use information from yowctheck to maze an elecbpvc kind transfer, funds may be wtldiaaah from your account as soon as the same day we receive your payment, and you wit M receive your dheck tact from your 6rwncial institution. The processing of your payment may be delayed 9 you nerd cask comespondenceofother items with your payment N you scud the payment to arty other address or0 you use a envelope onto than we one provided. Payments teceved in popes ham at our pracessktg fadlry by 5PM local lime on any day will be credited to your Account as of pct ? ayrther is P received at our pouzssi g bcOy after SPM local time will be credited to yorAccountas d D e nedday. N you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol, %a m. It. 60197-6103. Please allow 7-10 days for delivery. N your payment is returned unpaid, we reserve the right to mubma it as an e!ecbaxcdebit You can pay yourninimum payment or a greater amount over the telephone, and you can set up automatic payments, Cat us al 1-800-347-2683. You wig need Ifiia staleme d and your barite account inko. ion. You must ensure that svllident fads are available in your bank account, and all lransWsom; most comply with U.S. law. You wig be asked to provide Vie First 5 digits of you account Menem ZIP code. Byemeri g tfosenumhas as your elednatic sigmatae, you wl be agreeing Loft autiorimlion to allow us and your bank to deduct each payment you auk horue from your bank am", and b initiate debt or cre6[ertdes to your bank aimrtl as applicable. to correct an error in the processig of such payment.You must ten us ere amowdof cam payment or you can select an amount such as ek frrmimum Payment Door the New Balance an each stakrneM. You can cancel a payment; howewerwe must receim notice al least three business days in advance of fie sd aduled payment You may noify us by phone at 1400347-2683 or by mail at foe address listed in to previous paragraph N your payments vary in arrlourd, we will tell you on each mlydbly statement vor en your payment will be made and hour much d Wig be. Your automatic payment amount may be less than indicated on rte mordhy statement based on credits or paynrnts applied cuing the billing cycle. Credit Repo f n f . W e may report idamadon about your amount to credit bureaus. Late pays ends. trussed payments. or other defaufts on you account may be reflected In your dedA ,. ,,, ,, a ? , repot. We normally report the status and payment history of your Account b credit reporting agencies each month. 11 you beiawe tool ar report is fnaccucale or incomplete, please write us at the ktloling address: Discover PO Box 15316. Wdmirgton. DE 19850-6316. Please include your name, address, home telephone number and Account number. (race Period an Purchases (at least 25 days). We begin to irquose Periodic France Charges on all ransactions from the Transaction Date lox the Irmhsaciion as shown on you bri6V stafemeei urtess a rarsadion is posted to your Account after the dose of the billing period in which a omm, in oath case we begin to impose Periodic Finance Charges on that transaction km the first clay of tie b4bg period in wllch A is pasted to your Account We ordinue to impose Periodic Finance Charges until ece date you pay your entire New Balance, by making payments or neceiveg credits. However. N you paid the New Balance on your previous billing statement by the PaymaM Due Dale shown on Drat bff% statement and you pay line New Wince, by the Payment Due Date on your rament bWM stareneaL we will not impose Periodic Finance Charges an new purchases, that is. purchases fist appearing en fie c rreM Wing statement. We call pus the'gace period." There is no grim period on balance transfers or cash advances, Minkrmmi Finance Chatty. We will charge you a minimum FINANCE CHARGE of $.eo la any bit" period in which Periodic finance Charges of less than $.50 would otherwise be imposed. Annual Fee. Nyour Account has an annual fee, it will be filled at the begirding oteadh anniversary year your Account is open. The amount Ollie fee appears on (fie statement when the ' fee s tilled. The ariuat fee is trot refundable unless you notify us till you wish to dose your Account within 30 days of the mart; a delivery dale of the statement on Mridh the fee is Wiled. You will receive tlas refund aver N you use your Card during Val period. Periodic Finance Charges, We son you kasadrorns into ro g ups of pwdrases. cash advances. ad balance transfers and then kurther sort the I ansa-Nas wiehih each group by ? I ?: 11xwA r-uai P?4anage Rate, For examyue. purchases or-L' r! to a yxddhx0iond tae and puctuses stied to a sr!arezrd not would be ss.;--,aie g,uups. We refer t: these gcwpr as transaction categories. At the end of each billing period, we compute brAwites and Periodic France Charges for each day of the outing period for each transaction category. We use the fdlowirrg equation to ow" Periodic Finance Charges for each ransacfon category. (Average Daly Data-) times (days in baling period) times (Daly Periodic Rate). (You may referm die fi arce large semnnaryon your t7atir g Stn emiart for these aniourds.) Their we add cp the Periodic Finale Charges for each transaction alegbty to goer the total Periodic lirwlwe Charges for yaf Account. The Avetage Daly Balance is shown as zero if, because of fie grace period, no Periodic finance Charges apply b the batanoe in a vPe ruse iheArerage catty Ba!arice (inc?hodmg new transactions) rtetiod nt taiaAalkhg the batuce upon vdidh ore impose Periodic France Charges. We compote the Average Daily Balance tar each kansad oru catego y by a fdrig up ore hue daily balances n a brgrig period for ramacUau ak9oY and divldng the total by the number of days in dive Wing period. Vye oanywte tree daiybalarx for eadn transat6arh uategay on each day by lost adding 9e fotowieg to the previous day's daily balance: transactions with a Transaction Date of that day as slwxdh rru you fr3rg statement txtk5s the barhsactien Fs posed b yourAccawt after foe dose chive Whig period in wtridh It occurs, in which case foe transaction will be added a the chilly liafuio>e as al tie first day dlhe Wing period in ivtaCh ft i5 posted b yarAuouns, fees chaged tlhal day and Periodic France Charges accrued on the previous day's daity balance: and fry Den suPo4ac&g any r[di6 aid payments Drat ueapipfied against De balance d 11e trarsactan category m Val day. In calculating the daily balance for the first day of he +9 penbd we Ite'previous day's daily balance' b have been you balance Ier each Transaction ?egory on tie last day of your previous Wing period. AN fees dhaiged byo rMoourd are added to the standard pmdmse transaction allegory Mb the exception of Cash Advance barsacfon Fee Finance Charges whkh are added to the applicable ash advxoe tuansadion coeM and Balance Transfer Transaction Fee France Charges 4ach are added to ft applicable balance transfer transaction category When the special Yale expkes, we mum tie wpaid balance of the f>alance truster and the Balance Transfer Transaction Fee Finance Charges to the standard p uftse transaction category However, 4 the special rate has been kmdnated under tie DefauM Rae section, we leave pia unpaid balance of the balance transfer and the aafance Transfer Transaction Fee Finance Charges in the applicable balance transfer transaction category until the speciaf rate would have expired. For TW (Telecoxmanicatiorrs Device fa the Deaf) assistance, please call I-OW347-7449. Discover mayrnaia andlo retard telephone calls betweenyeu and Drover repnewritatives W quality assurance pumoses. The Discover' cad is issued by Discover Bank, Member FDIC. OtTBK171 p New Balance Minimum Payment Due Account Number ending in 6577 DISCO V Eff $11,197.83 $224.00 I Enter Amount Enclosed Below Payment Due Date $ Augusf 18, 2009 Please make check payable to Discover Card or pay online Q Discovarcard.com. 23 SDSN5A0t 0004501 SHEILA EARHART 45 OAK PARK AVE CARLISLE PA 17015-9262 Address, tsmeil or telephone chonge, Print change in spoco obo, e, or go to Discover.eom. Print your e-mail address to receive important Account information and special offers, 000001986453579141414111978 Gu paperless and make your account information more secure with password- protected statements only you can access. Learn more at discovercorrl/paperless. PO BOX 71084 111 r„ 11rr,rr141ee1111leL CHARLOTTE NC 28272-1084 300000000022400 Discover More Card Account Summary Closing Date: July 23, 2009 page 1 of 1 Account number ending in 6577 Previous Balance $1 1,508.51 Payr cant Due Date August 18, 2009 Payments And Credits 347,88 Minimum Payment Due $224.00 Purchases + 0.00 Credit limit $11,800.00 Cash Advances + 0.00 Credit Available $602.00 Balance Transfers + 0.00 Cash Credit limit $5,900.00 Finance Charges y , + 37.20 Cash Credit Available $602,00 New Balance = -$11 197.83 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Coshback Bonuse Opening Cemhback Bonus Balance $ 0.29 New Cash6ack Bonus This Period + -0.29 Cashba& Bonus Balance $ 0100 Cashback Bonvs® Anniversary Month: April Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R). How Can We Help You? p 1 Visit Discover.com to pay your bill for no cost , view our latest Account information, earn and redeem re vordi and more It's your choice - 3 ways to help 2. Call 1-804DISCOVER (347.2683) For fast, easy self service Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Salt lake Cify, LIT 8.4130 Transactlon5 $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Data Date Payments and Credits Jun 23 Jun 24 TBE'HAVJTHORNE ARCHITEC 800-772-42771L .58.94 000180 Jun 25 Jun 26 TBE`HAWTHORNE ARCHITEC 804772.4277 IL 58.94 000122 Jul 16 Jul 16 INTERNET PAYMENT THANK YOU 230.4D0 B'IlMdd Charge Summary Average Daily Nominal Transadion ANNUAL ANNUAL Periodic Fee Daily Periodic Ba) hc-;es Rates PERCENTAGE PERCENTAGE FINANCE HNANCE RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $3-92 0.000001% 0.00% F 0.00% $0 $0 Cash Advances $0 0.06573% 23.99% F 23.99% $0 $0 Balance Transfers $11347.33 0.01093% 3.99% F 3.99% $37.20 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. With Discover(R) Card, managing your payments online gives you control of how and when you pay your bill. Simply schedule your payments when it's convenient For you - today, next week or anytime including your due date. Log in or resister todovat Discover.com/manaaecavrrents Important Information. It there is more than one page to Ata bit" statement, see the back of each page for additional imponam information. See your CardmemberAgreemenL Your Catdmennber AgreernerA roatans all the terms of your Account Lost or stolen cards. Report imnnedafelyt Cad 1-800.317-x603. HdMg itigfas Summary. In Cased Errors or Qoes6ons Abovt Your Bit t you (link your big is wrong, or A you need more information aboul a transaction on your big. write to us on a sepade sheet of paper at Dis xim, PO Box 30621. Salt Lake Ctly. UT 8011308621, as S" as possible. We must hear from you no later Than 60 days after we sent you the firs! billon -4*b the 4mw*f problem appeared. You can Ielephene us, big doing so will not preserve your rights. In your letter. give us the ft)" information: Yom name and Account number. The dollaranount of the suspected error Desaiibe 0te agar and explain, d you can, why you beitwe there is an am. 11 you need more inlwmalion, describe the item you are unsure about. You do not have to pay any amount in question while me are Ordesligaling, but you ate soil obligated to pay the parts of your big that are not in question. While we investigate your question, we cannot report you as delinQueru or take any ad= to collect the amount you question. Sped Rule for Credit Card Purchases: O you have a problem wi0h the quality of goods or services that you purchased with a credit card, and you have hied in good faith to coned the problem with Or m etchant. you may not have to pay the fenaxwg amount due on We goods or services. You have this protection only when fie purchase price was more than S50 and the purchase was made ih y(br ttome slate or YAw 100 uriles of your mailing address. it we own or operate the merchant. a 0 we mailed you the advertisement for the goods or services. at pwdtases are co,,"ed regardless of Me amdute or location of pwdwe.) Payments. Send only your payme if and the Into portion of this statwrtent in the envelope provided. Do not send cash. By sending your check as destnbed above, you authorize us to use idommaron on your check to make an electronic hard transfer from your acodrd at the faranrial insNlufion inditaled on your check or to mom Ote payment as a d=k transaction. It payment is processed as an electronic Lund transfer, the vansfer will be for 0. amount of the dhedr When we use Information from your check to make an electronic fund transfer. funds ntay be withdrawn from your actotml as scan as Me same day vie receive your payment• and you will nor receive pow check bade from your dnandal institution. The pfocrosi g d your payment miry be delayed 4 you send cash, correspondence or otter hems with your payment, d you send the payment b airy order address or d you use an emNope aft than the Ole provided. Payments received in proper form at our processing fackly by SPM bbl lime on any day will be credited to your Account as of oat day. Payments received at our processing faciiily after 5PM local lime will be credited to your Account as of the next day. 0 you have misplaced your envelope, send vour payment to Discover. PD Box 6103, Card, Stream. IL 69197 6103. Prase a kw 7-10 days for de vilry. If your payment is retuned unpaid, we reserve the right to resuMnil it as an of flank debit. You Can pay ydk., minirma» payment or a greater aumurtoverthe telephone, and you can setup aulanatic payments. Call us at Idf0O367.2681. You wig need ft statement and your bank acoou4information. You must awe ttal wi6citot hods are available in your bank account, and at transactions must comply wilt US. faw. You will be asked to provide the first 5 digitsmf your acoNA statement ZIP code. By entering those nwtbers as your eledrwuic signature, you will be agreeing to this authorization a allow us and yrwr bank to deduct each paymerd you authorize from yvwr bank account and to inhiale debit or credit entries b your bank account as applicable. to caret an error in the processing of such payment. You must fait ns the amount of each payment Of you can Wed an amount such as the Kinimum Payment Duo or the New Balance on each olemeinl. You can cancel a payment: however we tryst receive notice at W54 Wee business days in advance of the scheduludpayment. You may roD* us by phone at 1.000-367-2683 or by mad at the address f alel in The previous paragraph. If your payments vary in antacA, we will let you an each monthly statement when your payr+rrnt will be made and how much t wig be. Yow automatic payment amount may be less tan indicated on the monthly statement based on creft or payments applied during the biting cycle. Credit Reporting. We may repot i fomhaion about your aavtat to credit bureaus. Late payments. fussed payments, or other O a & on your account may be reflected in your credit report line normally report the status and payment history of yourAtcoutt to credit reporting agencin each month, (( you bake* that our iepmt is mamuntle or irwinptete, please write us at the blowing address'. Dscnver. PO Box 15316, yYstrugnah, DE 19650-5316. Please include your name. address. tome telephone number ardAooounI number Grate Period on Purchases (at Itast 25 days). We begin to impose Periodic Finance Charges on at transactions from the Transaction Date for the transaction as shown on your biting sta>Lment unless a transacion 5 posted b your Account after the dose of the biding Period in which d occurs, in which case we begin to impose Periodic rmance Charges on that barisachort Iran the first day of the bring period in which it is posted to your Accout We continue to impose Pedodtc Finance Charges until the date you pay your entire New Balance, by making payments or ieeeuing credis. fbwcver. A you paid the New Balance an W previous bting statement by Ste Payment Due Date shown on that trilling statement acl you pay the New Balance by the Payment Due Dale on your weret bong statement we will not impose Periodic Finance Charges on new purchases, that is. purchases W appearing on lure curfert hBGng statement We cal! thus the -grace period:' There is no grace period on baiarwe transfers or cash advances. Minimum Finance Charge. We will charge you a rnihinime FWANCE CHARGE of $.50 for any billing period in which Periodic Finance Charges of tese, than 5,50 would otherwise be imposed. Annual Fee. I your Account has an annual fee, it 0 be bWA a1 the booming of each anniversary year yourAtoaml is open The amount of cake fat appears on dm statement when the fee is b&& The annual fee is not refundable unless you noihy us dal you wish to dose yowAccount within 30 days of the mailing or delivery rate of the statemenl on which the fee is billed. You will receive this retard even 8you use your Card doing that period. Periodic Fw we Charges. We sort your tran&?Ziors into gmups of purchases. cash advances. and balance transfus, and then further sort the transadiens within each group by lWr Amv.d Pe:u :t,hgn Rau: r-n +c µa,:,.ses seep: A to u prrnwh.nwl n:,*.c :vJ gwrd.h;es subject too s':sdard to aw%M bt uy>Jrate gawps. % tefer to Ones- greulhs . is tansacien categunes. At The uton of eachlW49 period, wt compute balances and Periaiic F:snxe Charges for each day of the biting perod for each hansaaion category. We use the folowigeclueb n to compute Periodic Finance C3hargas for each transaction category: (Average Dairy Balance) times {days in b& V petal rimes (Daly Periodic Rate). (you may mlerto ft panne charge summary on your cling statement for these amounts.! Then we add up the Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges la yharrAaorml The Average Daly Balance is shown as zero J. because of the grace period. no Periodic Finance Charges apply to the balance in a We usethe Average D* Balance (including new barsaceons) metwd ofclikulaing lne balance upon which we ampose Periodic Finance Charges. We compute the Average Daily Balance for each transaction category by adding up at the daffy baWroes In a biting period for a transaction category and dtvifimg the loW by the number of days in the bdfrlg period. Vfe eamptrfe the daily balance for each transaction cakgmy on each day by kV adding the following to the previous day's dally balance: transactions with a Tranuacf*n Date of that day as shOwrr on your Wig safemenL unless the transaction is posted to your Account after to dose of the Ming period in which it occurs, in which case the transaction will be added a die daffy balance as of the fast day of The burg period induct i} is posted byatAccount fees Barged cat day and Periodic Finarice, Charges axrued on the previous day's daily balance: act by then subtracting any aedft and payments that are applied against the balance of the transaction categorym that day. rn catcutagng the daily balance for the first day of the billing period, we consider The -previous days daily balance to have been your balance for each transaction category ail ice last day of your previous biting period. Al fees charged to your Aromas 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 tra b.-.0 on category and Balance Twitter Transaction Fee F'vance Charges vkxh are added to me applicable ba+ancetrahsfer transaction category. l4Then the special rate expires. we, inavve it* unpaid balance Of The balance transfer and rte Be*" Transfer Transaction Fee Finance Charges to the stardad pocM1xe transaction category. However. tl die special rate has been temfnaled under the Della!t Rate swan, we leave the unpaid balance of the balance transfer and the Balance Transfer Transacton Fee Finance Charges in the applicable balance transfer transaction category wnff the spWW rate would have expired. For 100 (Tetecormrmalcations Device for Bre Deaf) asiuslamce, please call 1400.367-7449. Discover may monitor andfa record ldeplanif cats between ymr and Discover fepresemadves for quality asstuarce purposes. The oismrer` card is issued by Discover Sant. Member FfNC. Ot TBK171 ?ry\ New Balance Minimum Payment Due Account Number ending in 6577 DISCO ?iY Ef $11,005.68 $220.00_ I Enter Amount Enclosed Bellow Payment Due Date $-- i? September 18'2009 Plese make check payable to Discover Card or payaonline ? Discovarcardcom_ 23 SDSN6A01 0004502 SHEILA EARHART 45 OAK PARK AVE CARLISLE PA 17015-9262 Address, e-muil at telephone change? Print change in :pose abovo, or go to Discover.com, Print your e-moil address io receive important Account information and special offers. Go paperless and make your aa?mt information more secure with password- protected statements only you can access. Learn more at discover comlpapertess. PO SOX 71884 CHAR!-011F NC 28272-1884 11o1.11 11 iniI ii..,;„i,I..Il11."I,Il..l..ll..l.11.11 l,.ll 00000198645357914147,4110056800000000022000 Discover More Card Account Summary dosing Date: August 23, 2009 page 1 of 1 Account number ending in 6577 Previous Balance $11 197.83 Poyment Due Date September 18, 2009 Payments And Credits 230.00 Minimum Payment Due $220,00 Pvrchases + 0,00 Credit Limit $11,800.00 Cash Advances + 0.00 Credit Available $794.00 Balance Transfers + 0.00 Cash Credit Limit 55,900.00 Finance charges _ + 37.85 Cash Credit Available $794.00 New Balance = $11,005.68 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonue Opening Coshback Bonus Balance New Cashfwck Bonus This Period Cash6aclc Bonus Balance $ 0.00 + 0.00 $ 0.00 Cash6ack BonusS Anniversary Month: April Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashbock Bortw(R). How Can We HeCr? YOU? 1 Visit 06cover com to pay your big for no cost, view your M latest Account information, earn and redeem revr?ds and more It's your choice - 3 ways to help 2. Cog 1.800-DISCOVER (347-2683) for (ort, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. J. Write us at Discover Card, PO Box 30943, For TDD {assistance for hearing impaired) sea reverse side Sah Lake City, UT 84130 Transactions $0 Fraud liabflity Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Avg 18 Aug 18 INTERNET PAYMENT THANK YOU $ -230.00 Information for You This month, the featured Cashbock Sonus(R) Redemption Partner is Bed Bath & Beyond(R). Redeem $20 Cashback Bonus for a $25 Bed Both & Beyond gift card. fflum wCharge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $0 0.00000% 0-00% F 0.00% $0 $0 Cash Advances $0 0.065737. 23.99% F 23.99% $0 $O Balance Transfers $11171.67 0.01093% 3.99% F 3.99% $37.85 $O The rates that apply to your Account are either fixed (F) or they may vary (Y) as noted above Important Information. Mere is more than one page to this baling statement, weft back of each page for aofditiaaf imporarht inTaratbn. ca See your CardmemberAgieemenl. Your CardmemberAkpeement contains at the terms of yourAawnl. l z Lost or Motto cards. Report immed-ralely! Call I-ODO347-26M y 0 Bilruyy Rights Summahy.ln Case of Emirs or QuestasAtwuh Your BB: it you tlrrlk your bill is wrong, or it you need more information about a tansacttiar on your bill, write to us on a o separate sheet of paper at Dsmver. PO sox 30421, Sae LOW City, UT 84130 0421, as soon as possible. We must hear trim you no later Than 60 days arler vie sent you the rust bO on °o which One Sam or problem appeared. You can Weplhone us. but doing so v A not preserve your rights. In your letter, give us the following information' U Yom name and Account. nrxnber- o ' The dollar amount W the suspected errs Describe the era and expla6l it you cart, Why you believe there is an error 9 you need mom information, describe to hem you are unsure about YOU do not have to pay any amount h question while we are investigating, but you are std obligated to pay ft pads of your bill that are not in question- Wile we investigate you question, we cannot report you as delinquerd or take any action to idled the amount you question. Special Rude for Credit Card Purchasesf 6 you have a problem with the quality, of goods or services that you purchased with a credit card. and you have died in good faith to correct the problem with the netdhard, you may cwt have to pay the reraining amount due on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your hone stye orwithin 100 miles of your matiON address, (M we own or operale the merchant. or if we mated you the advertisement tor the goods or services, at purchases are covered regar" of the amount or lombon of pudese.) Payments. Send only you payment and the tap portion of ttt statement 1n the envelope provided. Do not send cash, By sending your dedt as described above, YOU 21.191=0 US 10 use information on your dhedo to make an electronic land transfer hen your account at the financial isrdiilim indicated an yokx chock er to process the payment as a check bansad'xn M payment is processed as an electronic fund transfer. the transfer vAll be for the amount of the chuck. When we use infomnaton from you check to make an etedrook fund tmsrer, finds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your Check back from your fimandat isinulc o. The phhmesshng of you payment may be delayed'dyou send cash, mrre°sponderice or other Hems with your payment, a you send the payment to any other address or d you use an envelope oft than the one provided. Payments received In proper lam at our processing facility, by SPM local tine on any day wig be aeliiad to your Account as of that day Payments received at err processing fadity, after 5PM beat time W71 be credited In your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Bor. 6103: Carol, Sbeam. 8.60197.6103. Please aauw 7-10 days tar delivery. li ykwr payment is relarned unpairl, we reserve the fight to resurbrvt a as an electronic debit. You can pay your mtnin um payment or a greater a mount over the teWa*. and you can set up automatic payments. Cat us at f-804347-2683. You wild need this statererd and your ba n kawatia Infoematim You crust ensue that silkenlt finds we avaabliffe to you bank aapumt, arid at transactions must comply ywh U.S. haw You will be asked to provide to fast 5digtls of yaraoaDUTAA3EerneillZIP code. By ecill" those nxarbers as your eledmrdc signature, you vin be agreeing to tnis authorization to allow us and your bank to deduct each palmnotYM 2WO M from your bank 3cCael, and o taste debit a aedt entries to your bank aDWW. SS app&rable. o correct an era in the Plooesskngofsuch payme4id You must tell us the arwud of each paymeal or you can sled an amount such as tae Wiimum Payment Dun or the New Balance on each statement- You can cancel a payment; however we must receive nolimat 6.0 three business days in advance of the sledded payment, you may edify us by phone at 1-800-347-2663 or by mail at the address listed in the prav4ars be made and how raxh d vi A be. You aAatatc payment amount may be e lets than, indicated on the nmWy statement based on ate or payments applied dy ng lire 'ding cycle b Crept Reporfin We may report irttannatorh about your account to credit bureaus. Lade payments, massed payments, or other defa+Ats on you account maybe re@eded in you credit report , We ninety report thestat s and payment ht"of yourACwunt to credit repot" agerian each month. II you believe that ow report is iacturak or incomplete. pease write us atthe fdloving address' Discover. PO 9otn 15316. M irgton. DE 198545376. Please include your name. address, home telephone number and Accounlnumbec Grates Period on Purchases (at lead 25 days} Vk begin to impose Periodic finance Charges on at transactions from the Transaction Date for rho transaction as shown on your being statement uMess a transaction Is posted to yrarACCOUrtafter the dose of the It" period in which It occurs. In which case we begin to impose Periodic Fnancve Charges on that Irarsacaat from the W day of the b&V period in 1Nirh a is pasted to you Acm nil y51e continue to impose Periodic Finance Charges until the date you pay your entire New Balance, by mailng payments or recehmg credit. However, t you paid the New Balance on your previous bh"ng statement by the Payment Due Date shown on that Wing statement 9M you pay the New Balance by the Payment Due Date on your ament btntg statement, we will not impose Periodic Finance Charges on new purchases, that is. purchases first appearing on Me current baling statem>erd. We call this the -grace period: Throe is no grace period on balance transfers or cash advances, Minimum Finance Charge. We will charge you a minimum FINANCE CHARGE of $.SO for any billing ponod in which Periodic Finance Charges of less than $.So would otherwise be Imposed- Ami uaf Fee. If your Aaaaht has an ann alfee, it wit be billed at de beginning of each acahiversary year W Acwunb is open. The amount of the tee appears on the siatemendt When the fee is bdW. The amnrel fee is out tefurdable undess you notify us that you wish to close your Account vi Mim 3O days of the mailing or deh" date of the statement on which the fee s bhfed. You will receive Ohs refired even dyou use you Cant during that period. Periodic Finance Charges. We sort yowtransadAOS Into groups of purchases, cash advances, and balance transfers and then further sort the transactions%Ohm each group by their Amhoa! Permrtaoc Rate For example. purchases subject to a promotional rate and purchases sutgett to a standard raw would be separate groups. We refer to these groups as nansactian categories. At the end or each biting pedod, we computte balances and Periodic Finance Charges tot each day of the biting period for each transactah mtegkxy. We use the ficib ing equation to Compute Periodic Fihante Charges for each bansetctar calegay: (Average Daily Balance)tyres(days itbili gperiod)fiches(DatyrPeriodicRafe). (You may refer to the finance charge summary on your biting staremem for tese amounts.) Then we add up Our Periodic Finance Charges IOr each taesatiorm category to get the iota) Permit; I manse Charges for yourAoco nit. The Average Daly Balance is shown as zero a, because of The grace period, no Periodic Finance Charges apply to the balance in a ar We use the?e y 8a4nce (nduddxtg xew ?nsadiars) metlhod of caladaling the beiance upon N4hid1 wig imthnse Periodic Finance Charges. We compute the avenge Daily Balance for each bansac4on category byaddrig tg at the fusty balances in a Iatti g per old fora i atsac6on category and dividing the total by the rumbrrof days in the bill . p Vle kpmpcde the daffy balanc?o lot eaki barhsatthavh categoryrm sorb day bye Est addwrg the following b Ore yrevpusday's daily balance: transactions wits a Tharsadion Date o t that day as slaws aft your Ming slatmhe$ hahkss tle tasact oh is posted to yvurAcvaxt liter the dose ot to bit tag period in which it assay, lo wh ch case the Irarsacbon will be added to the aaAyr balance as of the frost day dte hiirg phxiod b hrh8et t is posted o yourAta:•ourhl,teescharged fret day and Pe-iodic Finance Charges accrued on the pnh ricus day's daily balance; amid by t en Ssfibatorhg amrh7ed15 a? paymedhlsOal are applied agai hst lithe halarnce ot flue banSaCfien on gat day In calculating the defy balance for the first day of to biting period. our oarsider the'pdevieusday's daffy balance' b lave beech you balarhce for each transacoorn wlegory on the Last day of your previous bitting period- At fees changed to ywrAcoxnt are added to the standard purchase trarsacbm category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicattle cash advance chon category and Bailarioe Twister Trainsacilion Fee Finance which ate added to the applicable Wberi cagy. h ? tthe the speed rote erghiea ., we move the unpaid balance dtlw balance traosktand tie Balance T rans Tr arsaclwn Fee firence to the candard caky Pace transaction w Fe However, t the special cure has been terminated tahdU the f]e? Ra[esed1y01h, wE leave the unpaid balance erne balarrz transfer and the Balance Transfer 7ransadion Fee France nce Charles in the appticdMe bal;lnce Vaeslerr transaction category until Ile special rate would have expired. For TOD {TSfecommunicatons Device for the Deaf1 assistance, please call l4W347.7449. Discover may mohhor arodlarecord Weplmne cats between you and Discover nepresenWfrves for quality assurance purposes- The Discove` card is issued by Discover Bank, Alarmbw FDIC. OITBK171 ?y New Balance Minimum Payment Due DISCO`, d EE6, $10,896.97 $217.00 Payment Due Date October 18, 2009 23 SDSN6A04 0004503 SHEILA EARHART 45 OAK PARK AVE CARLISLE PA 17015-9262 Account Number ending in 6577 Enter Amount Enclosed Below $ Please make check payable to Discover Card or pay online @ Discovercard.com, Go paperless and make your account information more secure with password- protected statements only you can access. Leam more at discoveccomlpapertess, PO BOX 71094 1)) err)1eorrr)r)r 111141111 CHARLOTTE NC 28?72-1084 Address, c moil or relooione chongo? Print mange io sp-, r. ( ((? 11 } i,?nil((I„rlr,ln)u ))niuin(r(nl) above, or co to Disrover.com_ Print your e-moii oddres: fo receive important Account information and special offers. 00000 198645357914-1q. 147,089697[40 0 ©00 - 00 (121700 Discover More Card Account Summary Closing Date: September 23, 2009 page I of I Account number ending in 6577 Previous Balance $11,005.68 Payment Due Date October 18, 2009 Payments And Credits 220,00 Minimum Payment Due $217.00 Purchases + 74.00 Credit Limit $11,800.00 Cash Advances + 0.00 Credit Available $903.00 Balance Transfers + 0.00 Cash Credit Limit $5,900.00 Finance Charges + 37.29 Cash Credit Availablo $903.00 New Balance = $10,896.97 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Cashback Bonuse Anniversary Month: April Keep building your rewards with every purchase. Start redeeming once you reach $20 C-ashback Bonus(R). How Can We Hel You? p I Visit Discover.com to pay your bill for no cost, view ear l A f s Ctrs your choice - 3 ways to help atest ccount in ormation, earn and redeem reward and more 2. Coll 1-800-DISCOVER (347-2683) for lost easy self-service Please lave your Dixover Card available. , options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Sep 18 Sep 18 INTERNET PAYMENT THANK YOU $ .220.00 Sep 22 Sep 18 RETURNED INTERNET PMT 220.00 Sep 22 Sep 22 REPRESENTED INTERNET PAYMENT THANK YOU -220.00 IDOW/Miscellaneous Sep 19 Sep 19 LATE FEE 39.00 Sep 27 Sep 22 FEE'FOR RETURNED ACH PAYMENT 35.00 l5bwna t Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES _ CHARGES CHARGES , current billing period: 31 days purchases $2.25 0.00000% 0.00% F 0.00% $0 $0 Cash Advances $0 0.06573% 23.99% F 23.99% $0 $0 Balance Transfers $11009.53 0.01093% 3,99% F 3.997. $37.29 $0 The rates that apply to your Account are either fixed (F) or They may vary (V) as noted above Important Information. If Ilene is more than oe page to this billing statement. see the back of each page for addAidtal imponanl infntmaliot. V See your CarQmemberAgreemed. Yorr Cardin¢rnber Agreement tonlais all the fentns of your Account. Z M Lost or stolen cards. Report immedialely! Call 1.860-347-2683. Y 0 Billing Rights Summary. In Case of Errors or Question sAbout Ydo BB: If you hunk your bill is wicxg, or9 you need more information about a Transaction on yourK write to us on a o separate sheet of paper at fAscmdz, PO Boat 30421, SA Lake City UT &7136-0421, as soon as possible. We must bear from you no later than fill days after we sent you the first bill on °o vhic h the erroror problem appeared. You can Weplane us, but doing so will not preserve your rights. fn your letter. give us the Ioltowing informakr: N Your row and Account number The dollar amohnt of the suspected am. Describe the error and explain. if you can, why you believe Owe is an error. t you need onreinfom alim describe 6te item you are unsure abort. You do rat have to pay any antamt in quesfxirh while we are investigating. but you are still oblgaled to pay the parts of yoor bit that are not in question. While we investigate your quesliat, we cannot report you as deft itrent or take arty action to collect the amount you question. Special Rule for Credit Card Purchases: t you have a problem with the quality of goods or services that you pochased with a aedl card, and you have tried in good faith to cared ft problern with the mardwl. you may not have to pay the remaining amourd due on the goods or services. You have tail protection only when the purchase price was more than 550 and rte purchase was made it yawr lome state orwit in 100 miles of your mailing address. tt we own or operate the merchant, of if we Mailed you no advertisement for the goods or services, ail purchases are co4ved regardless of the amount or location of purchase,) Paymergs. Send only ywr payment and the top portion of this staternent in the anvebpe providM_ Do not seed a Wi, Bystvirfq your check as described above. you author ze us to use kdamatim an your deck to make an deCtfXllc frrhd transfer from your account at the f:nanciat isfAufiar indicated on yourdredc or to process the payment as a died vansadion. t payment is processed as an McWa®c fund transfer, the transfer will be to the amour of the check. When we use information from your check to rrake an elecaondofond transfer. Kinds may be withdrawn from your account as soon as the same daywe receive your payment. W you wig no receive your check back from your fr anciat inskilio t. The processing of your payment may be delayed A you send cash, correspondencie or other Hems with you payment. t you send the payment to any other address or A you use an y wR be credited to your Account as of dial day Payments ny d a enw4epe dher than the one provided Paykmmts received in proper form at cur processing faday, by SPU local him on any J ? . ? J received at our processing ladtlyalter 5PM oCd time wit be onedaed to your Accout as of the next day if you have nirs your envelope, send you payment to Discover, PO Bn, O cal; Ctn1ri, J'treil:kt. Q. ?h1 ?: `?r'3. Plcsx a:kav 7-t0 d:r,•s fd delivery. Lr ynuk paya:xrq is rhnunhe,•+:xgraid. wru reserve the *iuhe tic rr.:u_'vna it as ahr el2ctrahi: Jeti4. You can pay you n inknkan Wien! or a greater amount over the telephone. and you can setup auxtmak payments. Cal us at 1-800347-2683. You wit need this statement and your lark account inormation, You must enanme that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You vol be asked to provide the first 5 dfgbs of your accatm stmem 4 ZIP oode. By emitting those numbersas your etecirmic sxplathre. year yA be agreeing lots aWtairaion to allow us and your bank to deduct each payment you autxmzefron your batik account and toirdiate MA orcredit emties to your bark accoukL as applicable, to correct an error in the proceSSirhg of such payment. You must tell us the amount of each paymilm or you can select an amount such as the Min'xnum Payment Due or die New Bahoce on each statement You can cancel a payment however we must mauve ricif a al leas! Ilm lwsahCis days in advance of the scheduled payment. You may notify us by phone at 1-M-347-2603 orby mall at the address fated in the previous paragraph. It your paymenkvary in amourd, we wlt let you on each moMdy statement wften you payment wiz be made and how muds A wig be. Your aularrokpaymenl amount may be less that indicated on rte am" statement based on credits or paymeras applied during the billing cycle Credit Reporting. We may report kdonnafiont about your arxamt to cred bureaus. Late payments. missed parrients. or other derakMS on your account may be reflected in your credit report. We noraWy report ire suks and payment history of your Account o credit repeating agencies each month. 0 you believe that our report is inaccurate or ixanptele, please write us at the following aflflfm: 0isro . PO 80% 15316. W4mingon, OE 198504315. Please include your name, address, hone telephone number and Account number. Gate Period on Purchases (at least 25 days(. We begat to impose Periodic Finance Charges on 4 transactions from the Transaction pate for the transaction as sham on your i c Fkwance Charges on that Brag statement uraess a transad on is posted to yaxAhxoert abet the dose or the tilling period in Wddt Aocaas, in which case we begin to impose Period ' impose Periodic Finance Charges until the date you pay your entire New Balance, t o transaction from the first day of the berg period in which h is posW ID your Account. We eorrtirx/e a . ?? J by mailing paymen s or receiving credits. Howeirec if you paid the New Bataan on your previous b&V statement by rte Payment Due Date shown on that billing statement and you pay the New Balance by the Paymcnd Due Date an your current trilling statement, we will not impose Periodic Finance Charges on new purchases. that is, purchases fret appearing on the anted W" statement. We cat Ows the -grace period' There is no grace period on balance bansfers or melt advances. Minimum finance Charge, we will charge you a mini urm FINANCE CHARGE of 5.50 to any bit" period in which Periodic Finance Charges of less than S 50 would otherwise be imposed- Annual fee. If your Aadunt has an annual fee, it will be billed at fie begin" of each anniversary year your A.ccaim fs open. The amouu of the fee appears on the statement when Ne fee is bBeol. The annual lee is not rektMade unless you notify us that you wish to dose your Account within 30 days of the mail og or delivery date of the statement on which the fee is biped. You will receive oft refund even ifyou use goo Card awing that period Periodic Finance Charges. ft sort your transactions imo groups of purchases. ca sh advances, and balance transfers and then father son the ttansacions within each group by Nei Anton! Purr :mW R.•4e --, c'!..rJ::v.s s:?j?xt w a r.Lexf;.r! c.: •: •;.A l tic. sa.:;yate a arc ! to r: men a a:c?[: y?uutn a> transaction categories. At the end of each billing priod, we Wnpuie talc ces aril Periodic Finance Charges for each day of the Wing period or each bansaWOn category We use the following equation to compute Periodic Frtarhea Changes for each transacim, category: (Average Daily Batanoe) lines (days in Wulf; period) times (Daily Periodic Rate) (You may refer to the finance charge summary on you fitting statemted for these amounts.) The we add up the Periodic Finance Charges b each transaction category to get the total Periodic France Charges or yew Account The Average Dagy Balance is shown as zero if, because of the graceperiod, no Periodic Finance Charges apply to the balance in a us. Average ? Bat.. find,dmg new transactions) me" of calculating the balance upon which we impose periodic Finance Charges. We wnpuM the Average Daily We Balance ton each transaction cateyoy by adding up art the daily balances in a bilks period for a transaction category and dMiling the total by die numberof days in ire biting period. We compute the daily balance on each transaction caegory on each day by first adding the followintg to the previous nay's dally balance: Ininsactons with a Transaction Date of cat day as shown on you billing statement. untess the transarAion is posted to WAccount after 8e nose of the billing period in which it Oats, in which case the usirsadim wit be added to the daily balance as d tie frsl day of the lift period in which A is posted to yourA=unL fees charged that day and Periodic Finance Charges attired on the previous day's daily batarw. and by that subbacaig my credits and payments Nat are applied against the balance of the transaction category on dial day. In calculating the daily balarxe Tor the first day of the Wing period. we consider Ite-previo s; day's daily balance' to have been your balance for each transaction category on are last day of your previous biting period. An fees charged to your Aaq=A are added o tbe standard purchase Iransadion category with the exception of CashAdrance Transaction Fee Fiance Charges which are added to d:e appicaVk ash advance transaction category and Balance Transfer Transaction fee Finance Charges which are added tithe applicable balaroe transfer transaction category. when the special rale expires. ore moire the unpaid balance of tie balance transfer and the BalanceTiaristerTnansactio n Fee Fiance Charges to to standard purchase trahsadion categoy. However. if the special role has been terminated raider the Defauh Rate section. we leave the unpaid balance of the balance transfer and the Balance Transfer Transadw Fee Finance Charges in the applicable balance transie transaction category until the special rate would have expired. For TOD (Telecommunications Device for the Dcal) assistance, Please call 1.806-347.7449. Discover may monitor andfrr record 1Mepthone cats between you and Discover representatives or quality assurance purposes. The Discover' card is issued by Discover Bank Member FDIC. 01 TSK171 e New Balance Minimum Payment Due Account Number ending in 6577 DISCOVER $10,7115.36 15214.00 _ ? Enter Amount Enclosed Below Payment Due Date $ I- -^ --- I November 18, 2009 Please mako check payable to Discover Card or pay online G Discovorcard.com. 23 SDSNGAOt 0004504 SHEILA EARHART Go p s and matte your account information ation more secure with password- 45 OAK PARK AVE protected statements only you can access. CARLISLE PA 17015-9262 Learn more at discover.comlpapertess. Addrex?, &rnoii or telephone change? Print change in ;poce above, or go to Dixover.com. Print your e-mail address to receive important Account information and special offers. 000001986453579141414107153 PO BOX 71084 ?((i i{li ii?l.l?rl)rilrli CHA(RLOitTjE ti[ i'o1:1'l_-lflfl4il ltlll((I!(311tY)(i111{l liilltrl?(Il lli?llii(11 ((111?1(li (: (+Y 600000000021400 Discover More Card Account Summary Closing Date: October 23, 2009 page 1 of 1 Account number ending in 6577 Previous Balance $10,896,97 Payment Due Date November 18, 2009 Payments And Credits 217.00 Minimum Payment Due $214.00 Purchases + 0-00 Credit Limit $11,800.00 Cash Advances + 0.00 Credit Available $1,084.00 Balance Transfers + 0.00 Cash Credit Limit $5,900.00 Finance Charges + 35.39 Cash Credit Available $1,084.00 New Balance = $10,715.36 You may 6e able to ovoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Coshbock Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Cashback BonusO Anniversary Month: April Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R(. How Can We Help You? I Visit Discovercern to pay your 641 for no cost, view your latest Account information, earn and redeem rewards and mote It's your choice - 3 ways to help 2. Call 1-SOO-DISCOVER (347-2683) for fast, easy self service Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) see reverse side 3. Write us of Discover Card, PO Box 30943, Soft Cake City, UT 84130 Transactions $0 Fraud Liobility Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Oct 18 Oct 18 INTERNET PAYMENT THANK YOU _217.00 Information For You Enroll in Paperless Statements for your chance to win big. Go paperless and you con win up to $15,000 coslit team more of Discover.com/sweepstakes. NfiettmCharge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE ft nceg Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $74.00 0.000001/. 0.00% F 0.00% $O $0 Cash Advances $0 0.06573% 23.99% F 23.99% $0 $0 Balance Transfers $10796.71 0.01093% 3.99% F 3-99% $35.39 $0 The rates that apply to your Account are either fixed (F) or they may vory (V) as noted above Important Information. I( there is more than one page to this billing statement. see the hack of each page for additional important information, co 0 Sec your CaldmembnAgreemenl Your Cardmember Agreement contains tip the terms of your Account. Z Lost or stalen cards. Report itmheinaleyl Call i-ttfsa347-2681 y Billing Rights Summary. M Case of Enam orOuestansAbart Your 84 If you think yohubdA is wrong, or if you need rnom inlormation about a transaction on youbal,wrileouson a o separate sheet of paper at Discover, P08=30421, Sap Lake Cify. UT 84130-0421, as soon as posss6le. We must bear from you no later than 60 days after we set you the first bit on o which the error or problem appeared. You can telephone us, but doing so wit not preserve you rights. In your leter, give us U>e fotuvarg information: n Yotir name and Account number. o The dollar anent of the suspected am, Describe the error and eiepbn. it you can, wiry you bel eve there is an error. t you need more infonation, describe Use 0em you ore un%n about. You do not (have to pay any amount in question while we are investigating, but you are slilt obligated to pay the pans of your bin that are not in question. Wile we innestigale your question. we cannot report you as deluhWW or take any action to aped the amaurtt you Wesbon. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods at services that you purchased with a credit card, and you have tried in good faith o correct the prablen with the merchant, you may not have to pay ttte winauimg amount due on it* goods a services. You have this proleclen only when to purchase price was more than $50 and the purchase was made in your home slate or within 100 miles of your mating address. (6 we own or operate the merchant, or A ft: mailed you theadverdsememt for the goods or services. A purchases are covered regardless of the amrotml or location of purchase.) Payments. Send only your payment and the tip portion of this statement in the envelope provided. Do not send cash. By sending your deck as described above. you autfodze us to use inlamafion on you check to make an electronic bond transfer ban your acafrt at the financial hhstN>rirn indrcated on your check or to process the payment as a check 6aeadion. If payment is processed as an electronic tint transfer. the transfer will be for She amocxr of One dick. When we use information from your check to make an electronic turd transkv. funds may be withdrawn from your account as soon as the same day we receive your payment, and you wig not receive your cheek back from your financial institution, The pmoessing of you MWTW may be delayed 6yae send cash, correspondence or other ilerns with your payment, l you send the payment to any other address or if you use an envelope o6her than the one provided. Payments received in proper form at our processing bdk by SPM focal fire on any day will be credited to your Account asof Uat day. Paymer«s received at our processing fatty alter 5PM local sane will be wedded to yauAccount as of the rod day. If you have misplaced your envelope send your payrreld to Discover. PO Box 6103, Carol, Stream. IL60197-6103. Please allow 1-10 days for delivery. If your payment is refumed unpaid, we reserve me right to resubmit it as an etedrorhic debt. You can pay you minimum payment: or a greater amount over the lefepborhe, and you an set up automatic payments, Cap us at 1-800.347.2663. You will need tilt siateme t and your bank account mfamavort You mast ensue that sufident funds are avalade in you bank account, and aff transactions must comply with U.S. law. You will be asked to provide the first 5 dges of your account sWteme it ZIP code. By entering those numbers as your ekWofncsignabxe. you will be agreeing to Us authorization to allow us and your bazar odeducteach payment you authorize from your bank amount. W to initiate debit or credf envies to you bank accoon as applicable, to cared an era in the processing of such payment You must leg us the amo rt dealt payment or you can select an amount such as the Mihirrerm Payment We or the New Balance on each statement. You an cancel a pWneM however we must receive notice at leash 6x8e business days to advance of the scheduled payment You may no* us by phone at 1.800347-2663 or by mail 0 the address (sled in the previous paragraph. B)w payments vary in amount, we won leg you on each madly statement when your payment will be made and how much it will be. Your automatic payment amount may De less than indicated on the monthly statement based on aeefls or payments applied Barg the hitting cycle . Credit Reportiftg. We may report information abort your amount to aednt bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you Weve that air repot is lacatiale or incomplete. please write us at the Wowing address Discover. PO Box 15316. Wiknifglon. DE 196545316. Please Widude, your name. address, home telephone number and Account amber. Grace Period on Pfachases (at West 25 days] We begin o impose Periodic Finance Changes on all Wrwdons from the Transaaion Date for the i ansadiorf as shown on you bi fitg statement unless a hmsaddon is posted to your AcODUnt after the dose of the bitting period in which d own. in which rise we begin to impose periodic Finance Charges on chat transaction from the first day of the Ming period in which 4 is posted to you Account M ealinue to impose Periodic Finance Charges uml the date you pay your etue New Balance, by making payments or receiving crack. However, if you paid the New Balance on you previous billing statement by da payment Due Dale shown on that billing slafenent and you pay the New Balance by to Payment Due Date on your anent bating statement, we will not impose Periodic Finance Charges on new purchases, that Is, purchases first appearing on the curved tilling statement. We can this tla'grace period.- There a no grace period on balance transfers or cash advances. Minimum Finance Charge. We will charge you a minimum FINANCE CHARGE of 5.50 for any billing period in which Periodic Finance Charges of less than 5.50 would otherwise be lnposed. Annual Fee. U your Account has an annual fee, 8 will be biped at the beginning of each anniversary yea yam Account is open. The amount of the fee appears on the statement when the fee is biped. The annual fee is not refund" unless you rwlfy us that you wish to dose your Amount writhi 30 days of the maiiiog or delivery dale of the statement on which the fee is baled You will receive this refund even 0 you use you Card during that period. Periodic Finance Charges. We son your transactions into groups of purchases, cash advaoes, and balance transfers and then further rem tw trarsadiDns w8hin each group by their Annual Pemauage Rote. For example. purchases subject to a promotional rate aW purchases srthject tit a stvhdanf rate would be separate. groups. We refs In these groups as transaction allegories. At the end of each brRrfg period, we wnhpule balances and Periafc Fiance Changes for earn day of the tilting period for each transaction Category We rise the oflovdng equation to compute Periodic Fianoe Charges for each transaction category: (Average Daily Balance) teas (days in Wig period) times (Daly Periodic Rate) (Yew may refer to the finance large summary on your billing statement for these amounts.) Than we add up the periodic Finance Charges for each transadion category to get the total Perioddiic.Fm?anceCharges for your Account. The Average Dally Balance i5 shown as zero if. because of the grace period, no Periodic Finance Charges apply to the balance in a :A"A".., D* Balance ludu6xg new bai sactims) meted of calculating the balance upon which we impose Periodic Firumm Charges. We wrngde the Average LAay Balance for each trarsactorh category M addlg t>p at the dray thalarhces n a ttp'ahg period to a trarsactian alegay and dMft the Mad by the number of days n thhe belting period Vve mrtyhuoe the daily balance la each traxsadiorf category on u'adn day by fret addrg the totowing o the prevous day s daffy balarim: transactions with a Inrars2dion Date of tat day as sthown on you ixling statenel, cortices the gasaeim is posted o yourAcoamtaltar the hose of Ne bfiig parrot in winch t occurs, in which case the Va15adion wit be added to the da ly balance as of the rant deyd the bi5 hg perina n whldt'e s pos eel b yamAmard fees That day and Periodic Finance Charges acaved on the previous day's daily batahce; and by then wblractng arty credo and paymets Met are applied agaicst the balmhce of tbe tronsat6on category on that day. In calculating the daily balance for the first day of the b?whg period, we consider the -pevitws days daay balanca o have been yarn talarhce for eacfi transaction category on the fast day of your previous billing perod. All fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Tr4aadion Fee Fiance Charges whirls are added to the applicable, cash advance transaction category and Balance Transfer Tranmaaion Fee Finance Charges 04th are added to the applicable bataxfce transfer fransactim category. When the special rate expires, we move the unpaid balance of dice balance transfer and the Balance Transfer Transaction Fee Finance Charges to dw standard purchase transaction category. However. if dire special rate has been les mated under the Debug Rate section. we leave the unpaid balance of the balance transter and the Balance Transfer Transaction Fee Fiance Charges in the applicable balance transfer transaction category until the special rate world have expmed. Fm TDD (Telecommunications Device for the Deaf) assurance, Please call 1ZW3474449. Discover may monitor and/or record teephone calk between you and Discover representatives or quaky assurance Purposes The 0 coven card is issued by Discover Bank Member FDIC. OIT 17 t `s New Balance Minimum Payment Duo Account Number ending in 6577 DISCOVER $10,498.94 $210,Q0 _ ` Enter Amount Enclosed Below Payment Due Date $1 1 December 18, 2009 Please make check payable to Discover Card or pay online 0 Discovercard.com. 23 SDSN6A07 0004505 SHEILA EARHART Go papeKess and make your account information more secure with password- 45 OAK PARK AVE protected statements only you can access. CARLISLE PA 17015-9262 Learn more at discover.cornlpaperless. Pa Box 71084 III. III I I. 'III I. CHARi_01 TE M-- 213272 11)84 Address,?mailor tolophonechooge$Printchcngain spcco IrrI,IInI,„I,7I„,i„I,},INN III !III l„i„i„I,i.Il? above, or go to Discover.com. Print your e-mail address to receive imporlont Account information and special offers. 000001986453579141414104989400000000027000 Discover More Card Account Summary Closing Date: November 23, 2009 page 1 of 2 Account number ending in 6577 Previous Balance $10,715.36 Payment Due Date December 18, 2009 Payments And Credits 253.00 Minimum Payment Due $210.00 Purchases + 0.00 Credit Limit $11,800.00 Cash Advances + 0.00 Credit Available $1,301.00 Balance Transfers + 0.00 Cash Credit Limit $5,900.00 Finance Chargos + 36.58 Cash Credit Available $1,301.00 New Balance $10,498.94 You may be able to avoid Periodic Finance Charges, see the reverse side for details, Cashback Bonuse Opening Cashback Bonus Balance $ 0-00 New Cashback Bonus This Period + 0.Da Cashback Bonus Balance $ 0.00 Cashback BonusO Anniversary Month: April How Can We Help You? P 1 Visit Discovereom to pay your bill for no cost, view your latest Account information, earn and redeom rewards and more It's your choice - 3 ways to help 2. Call i-800-DISCOVER (347-2683) for fast, easy self service Please have your Discover Card available. options a to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Past Data Date Payments and Credits Nov 10 Nov 10 LATE CHARGE REFUND $ -39.00 Nov 18 Nov 18 INTERNET PAYMENT THANK YOU -21400 Information For You This month, the featured Cashback BonusfR) Redemption Partner is Bed Bath & Beyond(R). Redeem $20 Cashback Bonus for a $25 Bed Bath 8, Beyond gift cord. 5I milIto Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates_ _ RATES _ RATES C RGF?- CHARGES curront billing period; 31 days Purchases $56.74 0.03559% 12.99% V 12.99% $0.62 $0 Cash Advances $0 0.06573% 23.99% F 23.99% $O $O Balance Transfers $10617.38 0.01093% 3.99% F 3.99% $35.96 $0 The rates that apply to your Account are either fixed (F) or they may vory (V) as noted above Groot holiday savings are just a cFck away! Earn 5% to 20% Coshback Bonus(R) every day of over 160 top retailers like Sears, Bes".com, and lands' End through our exclusive online shopping moll, ShopDiscover(SM). Just visit Discover.comishoo todavi Important Information. If there is more than one, page to this fidatg statement, see the back of each page for additional Important information, co See your Cudmemtrer Agreement- Your CanlmemberAgternxmt contains all the terms of your Aceou 1. O z Lost or stolen cards. Report immediately! Ca91-WO-347-2691 y 0 Bitting Rights Summary, in Case of Enors or Questions About Your Bill: If you think your bill is wrong, or ityou reed more information about a transaction on your bill, write to us on a o separate sheet of poker at Discover, PO Box 30421, Salt Lake City. UT 94130-0421, as soon as possible. We must bear from you no later than fill days after we sent you the fxst bill on o which the error or problem appeared. You can telephone us, but doing so wit not preserve your rights. In your letter. give us the folamng information; > Your roue and Account number. o The do0w amount of the suspected error. Describe the enor and explain. A you can, why you believe there is an anon. If you need more infomuallon, describe the item you are umiue about. You do not have to pay any atrvnax in question %W e we are i vestigalehg, but you are still obligated to pay the parts of your bit that are not in question. While we investigate your question. we cannot report you as delinquent or take any action to coped the amount you question. Special Rule for Credit Card Purchases: if you have a problem with the quality of goods or services that you purchased with a uedA card, and you have triad in good faith to correct the problem vrnh 8ve merchant. you may no have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $59 and the purchase was made in your how state or witfwn 100 miles of your mailing address, (it we win or operate the merchant. or t we matted you the advertisement for the goods or services, all purchases are covered regardless of she amount or location of purchase ) Payments. Send only you payment and the IW portion of this statement In the envelope provided. Do not send cash- By Sending your check as described above, you authorize us to use information on your check to make an electronic kind transfer from your account at the financial institution indicated on your check or to process the paymml as a check transaction. If payment is processed as an electronic bind transfer. the transfer will be for the amount of the check. When we use information from your check to make an efecbavc fund transfer, fads may be witltdraom from your account as soon as the same daywe receive your payment. and you will not receive your check back from yam financial institution, The Poen+nB of your payment may be delayed 4 you send cash, conaspatdence or other items with you payment, t you send the payment to any other address or 0 you use an envelope other than the one provided. Payments received in properfom atom processing facility by 5PM karat time on any day will be credited to your Account as of Oat day. Payments received at our processing facility after 5PM local lime wig be credited to yourAccaunt as of the next day. If you have m iced your emHope. said your payment to Discover, PD Box 6103, Card, Stream, IL 60197-6103. Please alloy 7-10 days for delivery. If your payment is resumed unpaid, we reserve the right to resubmit A as an ekctnmic debit. You can pay you minimum payment or a greater amount over toe telephone, and you can set up aubmatic payments. Call us at 1MD347-2683. You who kneed this statement and your bank accani Wom alion. You must enure that sufberen ! funds are available in your bank account, and all transactions must complywO U.S. law. Yon wig be asked to provide the first 5 digits of your account statement ZIP code. By entering those numbers as youetectronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment your autwrize from your bade account. and to ihliate debtor credt entries to your bank account, as applicable. to correct an error in the processing of such payment. You must tell us the amount of each payment or you can select an amount such as the lAnimmt Payment Due or the New Balance on each statement You can cancel a paymerd however we must receive notice at least three business days in advance of one scheduled payment. You may notify us by phone at 1400317-2683 or by mail at the address listed in the previous paragraph. t your payments vary in amount, we sum fait you on each monthly statement when your payment will be made and how mach if wry be. Your automatic payment amount may be less than indicated on the monthly stalemem based on credits or payments applied during fie billing cycle. Credit Reporting, We may repot inlamabon about your acavnt to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected In your credit report. We rmoroty report the status and payment history of WAocorml to credit reporting agencies each month. If you believe that our repon is inaocuate or nceompiete, please write us at the fallowing address: Discover. PQ Box 15316, W6silehgkm. DE 19850.5316. Please include your name, address, home telephone rwmWr and Account number, Grace Period on Purchases (at least 25 days). We begin to impose Pelbdic Finance Charges nn all transactions from the Transaction Date for the transaction as shown on your billing statement, unless a transaction is posted to your Account after the close of the billing period in which d occurs. in which case we begin to impose Periodic FeWnce Charges on that transaction front the fast day of The biting period in whudn 0 is posed to you Account We continue to Impose Periodic finance Charms until the date you pay your entire New Balance, by making payments or receiving credits. However, it you paid the New Balance on your previous billing; Statement by the Payment Due Cave shown on that billing statement and you pay the New Balance by the Payment Due Date on your current biding statement we will not impose periodic Finance Charges on new purchases, that is. purchases IN appearing on the current billing slaknent. We call this the 'grace period:' There is no grace period on balance transfers or cash advances. Minimum Finance Charge. We will change you a minirwm FINANCE CHARGE of S.50 far arty blkng period in v4ch Periodic Finance Charges of less than S.50 would otherwise beimposed. Annual Fee. If your Account tus an annual lee. it writ be biped at the beginning of each aruhh ersary year your Account is open. The amount of the lee appears on the statement when the fee is ogled. The annerel lee is not fefundabte mfess you natty us that you wish to dose your Account within 30 days of the mailing or delivery dale of the statement on which the tee is Wkd. You will receive this refead even if you use your Card dahol IM period. Periodic FrrWnce Charges. We son your Iansacliam ft groups of purchases. cash advances. and balance transfers and then further sort the transactions wihin each group by tth ar Ara »I Perutfk e R He For exatnple, tntarases subject :r, a prometiorwl rr a nand pit inasas subr -d to a sta,dard rate would he separahe groups. We refer to these groups as iransaction categories. AI the -end of each billing period, we compute balances and Periodic Finance Charges for each day of the biding period for each uansaaim category. We use she fotowarg equation b compute Periodic Finance Charges for each transaction category: (Average Daly Balance) tines (days in lolling period) times (Daily Periodic Rate). (You may refer to the finance charge summary on your bpgng statement for tnese amounts.) Then we add up the Periodic Finance Charges for each transaction category to get the total Penoft France Charges to your Account. The Average Daily Balance is Shown as zero if. because of the grace period, no Pedoft Finance Charges apply to the balance m a Iran We use 011413akmce fmdAM new transactor) method of calculating the balance upon which we impose Periodc France Charges. We compute t* Average Daly Balance for each bamsactioh category by adding up at (he daily balances in a lulling period for a transaction category and dividing the bW by die number of days in the billing period. We compute tie daily balance for each transaction category an each day by fast adding the following to the previous day's daily balance: transactions with a Transaction Dane of that day as shown on your billing statement unless the transactors is posted so your Account after the dose of the billing period in vO* h it oazms, n which case Ire transaction will be added to to daily balance as of the first day of the WV ng period in which it is posted to your A"o nt. fees changed that day and Periatz Finance Charges accrued on the previous day's daily balarm; and by then aftactirg"credits and payments MA are applied against the Balance of the transaction caWM at tat day. M catculAing the daily balance for the fist day of the billing period, we corsida the 'previous days daily balance' to have been your haance for each transaction category on the fast day of you previous burg period. M fees charged to your Account are added to the standard purchase transaction categoryvdlh the exception of Cash Advance Transaction Fee Fiance Charges witch are added to the applicable ash advance transaction category and Balance Transfer Transaction Fee Finance Chartgaswhich are added to the appbable balance harhsfer transaction category. When the special rate expires, we mine one unpaid balance of the balance transfer 3W the Balance Transfer Transaction Fee Finance Charges to the standard purchase transacton category. However, Nthe special rate has been terminated under the Default Rate section, we leave the unpaid balance of the balance transfer and the Balance Transfer Transadon Fee Finance Charges in the applicable balance transfer transaction category until the special rate would have expired. For TDD (Telecommuneations Devi" for the Deaf) assistance, please cat 1-800-347.7449. Discover may rnorNa ardor record telephone calls betvreen you and Discover representatives for quality assurance purposes. The Discover` card is issued by Discover Bank. MemberFD)C. C1 TBK171 e Closing Date: SHEILA EARHART DISCOVER Gov er Account number ending in 6577 page 2 of 2 Cashbaeck Bonus a Award Summary Cashback Bonus Anniversary Date: April 23 Balance Previous Cashback Bonus Award Balance $ 0.00 Purchase Award This Period + 0-00 Cashback Bonus Award Total 0.00 Cashback Bonus Award Balance -;v?ard Avcilc6,e io 9071114 0.00 $ O.OC} Restrictions apply to the Cashback Bonus Partner offers visit Discovercorn or call I-800-DISCOVER (1-800.347-2683) for details. For program details, see the Cashback Bonus Program Terms and Conditions. New Balance Minimum Payment Due DISCOVER ST0,323.50 IS206.00 _ J Payment Due Date January 18, 2010 23 SDSNBA01 0004506 SHEILA EARHART 45 OAK PARK AVE CARLISLE PA 17015-9262 Address, e-mail or telephone change? Piinl change in -pace above, or go to Discover.com. Print your e-mail address to receive important Account informotion and special offers. 000001986453579141414103235 Account Number ending in 6377 Enter Amount Enclosed Below $ ?? Please make check payable to Discover Card or pay online @ Discovercord.com. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover co"paperless. PO BOX 71084 11119 r11rnr4 11111 114 1 1,III CHARLOTTE NC 28272-1084 iul,ll1.110 111 11,"I.1, 1 .,. 0000000000206©0 Discover More Card Account Summary Closing Date: December 23, 2009 page 1 of 1 Account number ending in 6577 Previous Balance $10,A98.9d Payment Due Dote January 18, 2010 Payments And Credits 210.00 Minimum Payment Due $206.00 Purchases + 0.00 Credit Limit $11,800.00 Cash Advances + 0.00 Credit Available $1,476.00 Balance Transfers + 0.00 Cash Credit Limit $5,900.00 Finance Charges i_ _ _ + 34;56 Cash Credit Available $1,476.00 New Balance = $10,323.50 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback BonuSe Opening Cash6ack Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Cashback Bonus:6 Anniversary Month: April Keep building your rewards with every purchase. Start redeeming once you reach $20 Cosh6ock Bonus(R). How Can We Help You? 1 Visit Discover com to pay your 601 for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (3A7-2683) 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 309.13, For TDD (assistance for hearing impairerll see reverse side Sall Lake City, UT 84130 Transactions $0 fraud nobility Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Dec 17 Dec 17 INTERNET PAYMENT THANK YOU $ -210.00 Information For You Build extra Cashbdck Bonus by using your Di'scover(R) cold to pay your monthly household bills like cable, cell phone, and insurance. It's easy to set up, just contact your provider You'll earn rewards with every bill! qet Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE Ffh1ANCE Balances Rates RATES RATES CHARGES CHARGES _ current hitting period: 30 days Purchases $35.80 0.03559% 12.99% V 12.99% $0.37 $0 Cash Advances $0 0.06573% 23.99% F 2199% $0 $0 Balance Transfers $10430.90 0.01093% 3.99% F 3.99% $34.19 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Great holiday savings are just a click away! Earn 5% to 20% Cosh6ock Bonus(R) every cloy at over 150 top retailers like Sears, BestBuy.com, and Lands' End through our exclusive online shopping mall, ShopDiscover(SM). Just visit Discover.com/shop todayl Important btformafion. It there is move than one page to this biaug statement. see the back of each page for additional importard information n Sae yaw f4rdmember Agreement. Your Cardmember Agreement contai>s all the terms of yaw Amount ? Z Lost or slater cards. Report immediately, Call 1.15116.347-2663. o Bill Rights Summary. In Case of Errors or Questions About Your BB: If you think your bill is wrong, or if you reed move information above a kansacfion on your bill, write to us on a o separate0*0 of paper at Discover, PO Box 30421, Sall Lake City, DT 641366421, as soon as possible. We must hear from you ro later than 60 days after we sent you me first bill on o which the error or WDblem appeared. You an feteplnone us, but doing so will not preserve your tots. In your letter, give us IT following i fomraliac ? Yar raw and Account number. o m The dollar amount of fife suspected error. • Describe the error and explain, if you can, why you believe there is an error. If you need move information, describe the item you are unsure about. You do nor have to pay any amount in question while we are investigating. but you are still obligated to pay the parts of your bit that are not in question. tMhi a we investigate your question, we cannot report you as delinquent or take arty action to rated Me amount you question. Special Awle for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased wa h a credit card, and you have bled in good lath to mrrerx one problem with the merchant. Wu may not Ihave 10 pay the remaining amaat due on the goods or services. You have this protection only when litre purdim price Miss mate than $50 and the puuchase was made iii your Mme state orwitrin 100 nhles d your mailing address. (If vie own or operate the merchant, or if we matted you the advertisemmf for the goods or seivaxs, aft purchases are covered regardless of the amount or location of purchase.) Payawnk Sand only your payment and the top portion of this statement in the envelope provided. Do not send rash. By sending your check as described above, you authorize us to use Womuaton on your c heria to make an electronic fund transfer ban your account at the financial inslikA'on indicated on your check or to process the payment as a check transaction. K payment is Processed as an eleerauc fund transfer, the transfer will be for the amoral of tlw deck. When we use information from your check to make an electronic fund transfer, fads may bewkhdrawm from your account as soon as the same day we receive you payment- and you will not receive your check back from yaw frtancial kWiheion. The Processing of your payment may be delayed if you send rash, correspondence or other items with your payment, If you send the paymet to any olite address or a you use an envelope a0her than the one provided. Payments received in proper form al cur processing fatality, by 5PM local Lane on any day will be crecked to your Actatrt as of that day Payments received at our processing facik after 5PM local time w4 be credited to your Account as of the next day. If you have misplaced yauramelope, send your payment to Discover. PO Bok n 1113, C:md. Smt?,m t. FFi 19"r a 03 Pleme atkev 7-10 days fen cr entry t yC.n p3ynenw is It?I m tinpair , we reserve the nigh! is resubndt i as inn eecannic deefht. You arh pay yourmuvmurh paymtm of a greater amour over the telephone, all you can set up aubmatic payments, Us us au I-WO-347-2663. You will need this statement and your bank areard k4ar ation. You must awe that su6xiem funds are available in you bands account, and as transactions must comply with U.S. iaw. You wg be asked to provide the first 5 cf4ts d your account staternenl ZIP code. By entering those numhes as your dedronic signaere. you wig be agreeirg to tut authorization to allow us and your bank to deduct each paymed your a t ome from your bank account and to ititale debit or credit entries to your bank accounk as aplocabM, to cared an error in the processing of such payment. You must ter us the amount of each payment or you an siltedan amount ouch as the Minimum Payment Due or the NewBalance on each statement You can anal a payment; however we must receive notice at least three busloom days in advance of the scheduled payment. You may rolayus by phone at 1-8D0.347.2663 or by mail at the address fisted it the previous para9taph.9 your payments vary in amount, wv1 will ter you on each monthly Statement when your paym erht YA be made and how much a will be. You automatic Payment amours may be less agn'vdiaied on the monthly statement based on credits or payments; applied during me bating cycle. CmM Reporting. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be tefetled in your credit report We mmally report the status and payment hislay of your Account to credit reporting agencies ezdh month. If you believe that our repot is inaccurate or incomplete. please write us at Vielorowing address: Discover. PO Box 15316, Wtmi glon, DE 196.545316. Please include your name, address, home telephone wmbet and Account number. Grace Period on Purchases (at feast 25 days). We begin to impose Periodic Fiance Charges on of transactions from the Transeeson Date fa the transaction as shown on your Mang staffinret, unless a tansadion is posted b your Account after the dote of the bdig period in which Aoccurs, in which case we begin to impose Periodic Finance Charges on mat tramat4m from the first day of the bilking period in which h is posted to yourArocunt. We continue to Wpm Periodic Finance (urges until the date you pay your entire New Balance, by rnalfing payments or receivug ae61s. However. it you paid the New Balance on your previous billing statement by the payment Due Dale shhown on that bitig statement and you pay the New Balance by the Payment Do Date on your current W" statement, we will not impose Periodic Finance Charges on new pwcuoses, teal is, purchases first appea,ing m the current billing statement. Yoe rag fps the 'grace period.- Thee is no grace period on balance transfers sash advances. h6enmum Finance Charge. We will charge you a mihinwrn FINANCE CHARGE of $.50 for any bAng period in which Periodic Finance Charges of less Alan $.50would otherwise be imposed. Annual fee. t your Account has an annual fee. A will be baled at the beginning of each anniversary year your Aapurd is open. The amount of the la appears on the statement when the fee is billed, The annual fee is not refundable unless you ratty us dal you wish w Lose your Account within 30 days of the mailing a de;werydate of the sta[cment on vv-oM the tee is billed. You will receive this refired even it you use your Card during that period. Periodic Finance Charges. We sot your transactions into groups of purchases. ash aduaaps, and balance transfers and then Wier sort the transactions within each group by thecAnrsA Perrxrdar. Rats. Fu exartpte. puurdashs u.:,hj:;r] t; a pranr;tanal rd+e :a? phntnses s:ec o a stee>dard ra:? wo:vd be separate axes. We rder b these groups as transaction ateywdea At the o:d of each biling period, we compute balances and Pe/loft Finance Charges fa each day of tie Wing peurrd for each transaction category. We use the b5comg equation to compute Periodic Finance Charges fa each transaction category. (Average Daily Balance) times (days in bung period) tines (Daily Penod is Rate). (You maynAer 1a rte inane charge summary on you ba6rhg statement for t ese amounts.) Then we add up the Pededdc Finance Charges fir each bansadiar t a"M to get the total PetgdxFitahce Charges for your Account The Average Daily Balance is shown as zero a, became of the grace period. no Periodsc Finance Charges apply to the balance in a We M t?4Bata ce (mdudng new bansac6ons) method of calc tatng the batanco Upon Wsih we impose Periodic Finance Charges, We compute die Average Daly Balance br each transadiorh category by adding to all the daily batimces in a billing period fora YaMataon ategory and dwidng the total by the number of days in the billing period. We compW the daily balance far each transaction category on each day by felt adding the folio v to am previous day's daily balance: vansactonswith a Transaction Date of that day as simnan your luaing saiernent, unless the transaction is posted to your Account after the close of the billing period in which r oocur% in which case the transaction will be added to the d*ballana as of the first day of Me biting period in which it is posted to your Account. fees charged mat day and Perioolc Finance Charges accrued on the previous day's daily baWhoe; and by dw subtracting any credits and paym its mat are applied aW" the balance or. the trarsadon category on mat day M ralculatng she dally balance far the first day o the bill" period, we consider the -previous day'sdaay balance' to have been your balance for each transaction category on UT fast day of you previous baling period. AN teeltd anyed to your Account are added to the standard purchase transaction category with the exception of Cash Advance Trarsactim Fee Finance Charges which are added so the appiabb ash advance banriwiorr category and Balance Transfer Transaction Fee Finance Charges A" are added to the applicable balance transfer transaction category. Wren the special refe eapaes. wit move the unpaid balaroe of the balance tearhsferand the Balance Transfer Transaction Fee Finance (urges to the standard purdhase aarsadw category. However, it We special rate has been temrnated trader me Default Rate section, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Chhmies in the applicable balance transfer aareactot category until that special rate would have expired. ForTOO(telecommunications Device for the Deaf) assistance, phhase call 1-WO-347-7049. Discover, maymonitor arWor record IelepMne aAS between you all Discover relpiesentafves for quality, assurance purposes. The Discover' card is issued by Discover Banc. Member FDIC. OiTBK171 f New Balance I Minimum Payment Due Account Number ending in 6577 DISCOVER $10,152.56 L$244.OD ? Enter Amount Enclosed Below Payment Due Date $ 1 --? February 18, 2010 Please make check payable to Discover Card or pay online 0 Discovercard.com. 23 SDSN6A01 0004507 SHEILA EARHART Go11Lriess and make your account information more secure with password- 45 OAK PARK AVE protected statements only you can access. CARLISLE PA 17015-9262 Learn more at discover.corNpaperless. Address, email or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 0000019864535791,4],41,4101525 Ir lrllllrlllr PO BOX 71084 111. It I It I I It CHARLOTTE NC 213272-10b4 {rll,itllll?Il.ILI,lr.ll(rLlIIL,Jr,I„(rrlI,IIIIiIIIrIIr _- LOOOODBOOD24400 Discover More Card Account Summary Closing Dante: January 23, 2010 Page 1 01 1 Account number ending in 6577 Previous Balance $10,323.50 Payment Due Date February 18, 2010 Payments And Credits 206.00 Minimum Payment Due $244.00 Purchases + 0.00 Credit Limo $11,800.00 Cash Advances + 0.00 Credit Available $1,647.00 Balance Transfers + 0.00 Cash Credit Limit $5,900.00 Finance Charges + 35.06 Cash Credit Available $1,647.00 Now Balance _ = $10,152.56 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Cosh6ock Bonus® Anniversary Month: April Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R). Haw Can We Help You? 1 Visit Discovercom to pay your 6111 for no cost, view ur latest Account information, earn and redeem rewardrand more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER 1347-2683) for fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Salt lake City, UT 84130 Transactions $0 Fraud Liability Guaran tee Use your Discover Card with confidence. Trans. Post Date Date Payrnonts and Credits Jan 14 Jan 14 INTERNE T PAYMENT THANK YOU $ -206.00 MMW Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Ba es des RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $36.17 0.03559% 12.99% V 12.99% $0.38 $0 Cash Advances $0 0.06573% 23.99% F 23.99% $0 $0 Balance Transfers $10237.90 0.01093% 3.99% F 3.99% $34.68 $O The rates that apply to your Account are either fixed 1F) or they may vary M as noted above important Information. it there is more than one page to this biting statement, see the back of each page for additional important information. U, See your Cardmember Agreement. Yax CardmemberAgm emerd contains at the terns of yourAco=* C co z Lost or stolen cards. Repot mviried'aley Call 1-800347-26U. a 0 Billing Woos Summary. In Case of Errors or Ouestions About Yax W If you think yaa bit is wrong, or d you need more information about a transaction on youbdl, write to us on a o separate sfhcetoipapei at Visa e , PO Box 30421, Sat Lake City, UT 841300421, as soon as possible. We must heat from you no Later than 60 days afterwe sent you the first big on °o vAvc h the Moir orprottem appeared. You can IelephaM us, but doing so wit not pfeserve your rights. In your letter, give us the following information: ? Your name andAcmkmt number. o The dollar amount of the suspected am. Describe The error and explain- if you can, why you believe there is an error, 9 you need more information, describe the rem you are unwre about. You dooothave to pay any amount in question We we are investigating, bAyou are still obligated to pay the parts of yowr 67 dial are not in Question. Whim we investigate your question. we cannot report your as defmquem stake any action to coded the ativint you question. Special Role, for Credit Card Purchases: t you have a problem with the quality of goods or services that you puchased with a credit card, and you have bed in good faith to curved fie problem with the merchant, you may not have to pay the remaining amourd due on the goods or services. You have this protection only when the purchase price was more than $50 and Bepurdvse was made in your twine state or within 100 miles of your mailing address. (If we own or operate the me+dhant, or 4 we mailed you the advekbsement for a. goods or services, as purchases are covered regardless of the amount or location of purchase.) Paynxanu. Send any your payment and the top portion of this statement In the emmlope provided Do not send cash. By sending your check as described above, you authorize us to use idomhawn on you check to make an eleWmic kxd bansfr from your account at the financial eMiMion indicated on yaw dock or to process the payment as a died(RanSactorh, If payment is processed as an electronic lad rtaraier, the trarder will be for ton amount of the deed(. When we Use information from you check to take an electronic fund transfer, fords ray be wgxlravm from your account as soon as the same day we receive your payment, and you will not receive you check back from your financial insrAttion. The puonsseg of your payment troy be delayed if you send cask correspondence or other items with your paymer%L if you send the pawned to any other address or i you use an emvekpe other than the one provided. Payer raceived in proper form at ourproansiry facility by 5PM focal lime on any day will be credited to your Account as of tat day. Payments received at our processing facility afer5PM local brim will be credited to your Account as of the nerd day. B you haw nisfdaced your envelope. send your payment to Discover. PO Box 6103, Card, Stream, IL 60197.6103. Please allow 7-10 days lor delivery, t yax payment is retumed unpaid, we reserve the fight to resubm)t it as an e,eclfatic debt. You can lay you mi imunt payment ora greateram ountovet the telephone, and you can set up automate payments. Cal us at 1-800-347-2683, You wit need this statement and your frank account Wormation. You must ensue tatwMatent flxld5 are avaiable in your baneatmunt and at transactions must cornphy with U.S. law. You will be asked In provide the first 5 dgsedyoir account statement ZIP code, By Hnerilg time numbers as yew electronic s gnakke. you will be agreeing to This a rho izalion Io allow in and your bank to deduct each pawned you authorize from yam bards account, and to inhale debit or credit entries to your tank accanl, as applicable, to Caren an error in the processing of such payment. You must ten ustileamournof each payment of you can select an amount suds as the Minimum Payment Due or the New Balance on each statement. You can cancel a paymeM however we must receive notice al feast tree business days in advance of the scheduled pawned. You craw notify is by phone at 1$06347.2683 or by mail at fire antes listed in the previo s paragraph. tyour payments vary in aneoud, we wig lit you on each mont ly statement when your pawned will be made and hove much it call be. Your aukhma is payment amount may be less than indicated on the monthly statement based on credits orpayrments applied during the billing cycle. Credit Reporting. We may report information about your account to credo bureaus. Late payments, missed payments. or other defaults on your acaxad may be reflected in you credit report. We normally repot the "" and payment h:srory of yourAocamt to credit fepwiog agencies each nhontn, t yot believe that our report is inaccurate or intomyete. please write us al the ldbwkV address Discover. PO Box 15316, Wdmington DE 19850-5316. Please include your name, address. Mme telephone number and Ac cormt number. Grace Period on Purchases (at least 23 days). tie begin to fnrpow Peri c Fxnance Charges an all framactons from the Transaction Date (a the transaction as sMwn on your billing stkemenL rmtem a bansacton is posted to yowAaouto after the dose of the billing period )n which it omm. in which case we begin to impose Perioft Finance Charges on that transaction from the first day of the Wing period in which it is posted to yourAccount. We caMnue to impose Periodic Finance Charges unh4 the date you pay yaw entire New Balance, tymutig paymenu or receiving credits. Howenx, 4 you paid the New Balance on your previous Mang statement by the Payment Due Dale shown on that tdfrrg sWfered and you pay the New Balance by the Payment Due Date on you ctrrent bglig sU t met, we wig not impose Periodic Finance Charges on new purchases, that is. purchases lest appearing on the amen bifug staliamerit We can this the -grace perod: There r no grace period on balance transfers or cash advances Minimern Finance Charge. We will charge you a minknurn FINANCE CHARGE of 5.50 for any bi8ag period in which Periodic Finance Charges of less than $.50 would otherwise be reposed. Amnhat Fee. t youtACmunt has an awwal W. it will be bled at the beginning of each anniversary year yw Account is open. The a romr! of the fee appears on the statement when the fee is hind. The annual fee is not refudable unless you notify us that you wish to dose your Account within 30 days of the madng or delivery date of the statement or which the fee is belted. You will receive this refund even if you use your Card during fiat period. Periodic France Charges- We son your pamsadions into groups of purchases, cash advances. and balance transfers and than funkier son tie transactions withvn each group by Uherr Annual Purcntage Rate. For exarrgae, purchases subject to a prontrobtal rate and purdwms A.thjed b a starxfacd rare would be separate groups. We refer to these grouln as uansadion categories. At the end of each bit" period, we oo mgxrk balances and Periodic Finance Charges for each day of the biting period tar each transaction category. We use the fofbwryegrration to compute Pecio is Finance Charges for each transaction category. (AverageOaiy Balance) liras (days in billing period) limes Paily Periodic Rate). (You may refer to the finance change summary tin your bluing stateoorH for these amounts.) Then we add up the Periodic Finance Charges for each transaction category to gef the loud Periodic Finance Charges for yourACOamt, TheAverdge Dally BafarhCe is shown as zero if. because of the grace period, no Periodic Finance Charges apply to the balancce in a I 7" 4 It* use meAyerage Daily Balance (anti g new bansactons) method of calorlatmg the balance upon which we impose Perfodbc Fi amce Charges. We compute the Average Daily Balance for each transaction category by adding up at the daily balances in a billing period for a transactor category and 014" the total by the number of days in the bym period. We mnptile fie daily balance Ior each transacim (alp opdon each day by first adding the fatovmg to tte previous days dally balance: transaction with a Trarsacion Date of itai dayasshom on yotx Wing staiemenl udders ton transaction is posted to your Aanut after the case of tee btng period in which it onus. in Mich case the transaction will be added to the daily balance as of the &M day of the bang period in which k's posted b your Aoooum, fees changed that day and Pedodc Finance Charges acaved on the previous day's daily balance' and by then subtracting a"credis and paymcnls then are applied against the balance of ft banstie ion category on that day. In calculaMg the daily balance for the fast day of the billing period, we consider the -previous day's daily balance' to have been your balance for each transaction category on the fast day of your previous billing period. Ali fees charged to your Accot" are added to the standard pischase, transaction category with the excepts m of Cash Advance Transaction Fee Finance Charges whirr are added to the applicable cash advance transaction calegay and Balance Transfer Trarnacton Fee Finance Charges w NM are added to the applicable balance transfer trmnacbm category When tie spatial rate eutpkes, we move the unpaid balance of the balance trarsfer and the Balance Transfer Transaction Fee France C2harges to the standard pu rc ase transaction category. However. tthe spatial We has been terminated uder ere Defauk Rate section, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges in the applicable balance transkr tansactiah categorywia7 the special rate would have expired, For7DD (Telecoraramhcations Device for the Deaf) assistance, please call 11-11MUT-7449. Discover may narigor audio record laWphone calls between you and Discover repesentatim for quality assurance purposes. The Dscovet' mad is)ssoed by0isoover Band. Member FDIC. OITBX171 New Balance DISCOVER rMinimum Payment Due Account Number ending in 6577 $9,942.96 $239.000 i Enter Amount Enclosed Below Payment Due Dote $ Mardi 18, 2010 Please pay online @ www.Discover.com or make check payable to Discover 23 SDSN6AO1 0004508 SHEILA EARHART Go paperless and make your account Information more segue with password. 45 OAK PARK AVE pprotected statements only you can access. CARLISLE PA 17015-9262 Learn more at discover.cornlpaperless. PO BOX 71084 glirrll..ri.lilr.ll.rl.(.I CHARLOTTE NC 28272 1084 :address, --I or tetephone change? 11 t Go to w-w.Discovarxorn or print change in space above. --------------- 1100007,986453579 ,41414099429600000000023900 Opening Date: January 24, 2010 - Closing Date: February 23, 2010 I Discover More Card Account Summary Account num6er ending in 6577 Previous Balance $10,152.56 Payments And Credits 244.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Finance Charges + 34.40 Other Fees t + 0.00 New Balance $9.942.96 See finance Charge Summary sect ion following transactions for detailed APR information Credit Line $11,800.00 Credit tine Available $1,857.00 Cash Advance Credit tirto $5,900.00 Cash Advance Credit fine Available $1,857.00 You may be able to avoid Periodic Finance Charges, see the reverse side for details. I t See transaction detail for a description of any fees Cashbock Bonus" Anniversary Month April Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashbock Bonus Balance $ 0.00 To team mwe. log in at www-Discovar.cam and select Rewords page 1 of 2 Payment Information New Balance $9.942.96 Minimum Payment Due $239.00 Payment Due Data March 18, 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 now transactions may be increased up to the Default APR of 17.99% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and if will take you longer to pay off your bolonce. For example: if j ou mane no Yap wall pay If ' A 99M. wtll ertc} ddlhongl charges he balutfce shown PM 1 on us+nghl<rs card 4ticl> otf}hlsstateJnecig' e+tttmRlec(lota( o. (' moth Y?5' . , i? nlout Only the minimum 16 years $14,494 payment $295 3 years $10,611 (Savings = $3,883 If you would like information about credit counseling services, tali 1-800-347-1121 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover,com 1 Access your account securely at www.Discover.com Access free online tools like Paydown Planner to create a plan 2. Cal 1-800-USCOVER (1-800347.2683) to fmy down your balance, securely access statements, pay Please have your DiscoverO card available. bit s online and easily track all transactions 3. Write to us of Discover, PO Box 30943, Make your money worth morefind easy ways to earn Salt take City, UT 84130 and redeem cash rewards For TDD (Telecommunications Device for the Deof) NEW! Access your account securely through your assistance, Please call 1-800-347-7449. mobile phone Transactions Trans. Past Dale Date Payments and Credits Feb 12 Feb 12 INTERNET PAYMENT THANK YOU $ -244A0 See reverse side, DISCOVER Important Information. J! dove is more flan one page 'a phis brag shilemeM see the back of wadi page for additional important intomnalio r. V. See yourCardmember Agreement. Your CanAnember Agreemc+d contains eG to terms of rrw Acctu)L c u. z Lost orstolen cards. Report iemedately! Call 1-800.347-7683. o Billing fYhgids Summary. In Case d Errors crOuestiorsAbart Ywr Bill: 9 you think your bill i5 wrong, or V you need more information about a transaction on your bill, trite to us on a o separate sneef of paper at Discover, PO Box 30421, S;-A take City. UT 84130-0421. as soot as possible. We must hear hum you no later than 60 days after we sent you the liml bill can °o which the em or I :ublell qxp, a 1, You can fele, s us, but doing so will not preserie your rlThls. In your letter, give us tte lotw4nq iifwmarioni ? Your-a" and Accamtnuatb r. ? The dollar emmmi of Vhe suspoded eao,. Describe the error and exp it. Of you can, why you Wigve there Is an enor. It you need more information, desak a the ilem ycer are unswe about You do -0 have to pay any arnbunl in questiah W* we aril inuestigaTiag, tad you are Oil cb gatrdl to pay the parts of yew till @rt are Win cit eslion. While Wit investigate your question. we cannot lepwt y* U as delinquent or fake aty action focdtect the amount you quest m. Special Rule for Credit Card Purchases: t you lure a problem vA the prality of goods or sou ices that you purchased wit a credit card. and you haw, tried in good Faith to correct the problem with the merdiwit. you may nor have to pay the rornaining amount due on the gook or services. You have this pracetion my when the purchase price was more than S50 and the purchase was make i'. y,,ur h(mhe $61tev( Ailhin IOD allies of your mailing address. it we own or operate the merchant. Li if we msted yoo file adh,erfiserneni for Itie goods a services. at purchases are covccd i yardless d Gee amount or lacalion of pwchase.) Payments. Send only ycur payment and the top paron of this statement in the enveVe provided. Do not send cash. By sending your check as described above. you autome us to use erormatiai on yoxudhect w make an 6- lmAric fund transfer from yoW account id Pte Alank:W insftutien indicated on you chxk or to process the payrneat as a check Iransaclion. If paymert is prope set as an .ytw:I!Wic kind warmer. die transfer rill be for btu amou l! oh the dock. When we use Wonnalicn horn your deck to make an eeclrome hind tram ler, funds may W wittdcaem Rom your Xc'nu0 as soon as the same dry we receive your payment- and you will not receive you check back from your financial insihitim The processing of your puynxifd may be delayed if you send cash. wrrespondarice or otter ilots with your paymant 0 you send the payment to any other addess or if you use an envelope other than the one praerJed. P&,onerUs received in proper format our processing fac#ty by SPM local tine on any day wig be Credited to your Account as of that day. Payments ieoeherl ai cur aocess1aq fa lay she; 5PM ktial lane aif DoaortiW» yahr A>.^Air: as of the next Clay. If you have miWaced your erye-. tie, semxl youpaymert to Discc var. PO Box G 1,0, Card Strewn. IL f7:J; C 10s, Please iukrw! • 10 bys fa dL#ie y. Hr., arp3rT A'nl is rebr :"Jw>peid- we reserve! tte ngff. tJ resub Si it as an elechxN : dEUA?. You can pay yaw fe win n payanem w a greater amount tier the aekphole, and you can sel ap automatic paynhplts. Cad its a! 1-800.347.2&M. You will need Luis statement and your bank account nkrns3tar . You rorst taws ue that suKrrtrml fulls are avadalte in yor,r t>vhk account Wad transactions must co gty with D.S Ibex. You uu f be ash ed to p ov ere she fimt 5 days of your account styoon nu ZIP code. By mweii g those numbers as yareledra6c signature. you will be agreeing to this av.%mira ion to asow us and yam bank to deduct each payment you auftwl a from your bane accost, and toatltiale dew or credit enbics to yarn bank accwnl. as applicable, to correct an error in fire processing of such payment. You mist left us tie anourif o leach paymenl or you can selec: an annual s,cb as the KTie nna Payment Due or the New Balarre on eadt statement. You can cancel a payment however we must tecene nacre al kkne three byasiness days in adv'a bee d to std laymenl. You may+kzdy its by phole at 14300--447.2683 or by mat M the address listed in the firwiCas paragraph. If your paymRmts vary in amount, we will tell you on each monthly statement w.ian your payment will be made ad how much t will be. Yow automatic payanerhl aalount may be law than Indicated as rie P%adnf y slalemeol based co credits or payments appfiezl during the bluing cycle. Credit Reporting, lie may report information about your Account to credl bureaus. Late payments, missed payments, of otter defaults on your Account may be reflected it your credo report V& normally repo •, t:e satns and paymem. slaty of your Aaooknl to credit reportaag agencies each anal b. t you believe Mai ow report is inaccurate or incur ate. ptease w,- to us at the t1tomig address: Discover. PO Ikbl 15316.1tr:ningio . DE 79950.5316. Please inckrde your name, address, tame lelephate number and Account number Grace Period on Purchases (at least 25 days). At begin to irmese Peiodic Finance Changes on ail transactions own die Transaction Date for Die sransac ion sham on your biting starlonem tamers a transactions posted to yow Account after the rye of qw bar period in which U ac=. in ivied case we begin b impose Periodic France Charges oil that tr<rsacfnli from the trsl day of me Wing period in width 0 is posted 10 yaw Account We cadine to impose Periodic Finance Charges until the date you pay your emike New Balance shown on your biding salenhent by rnakkig payments or receiving cRQ15. However, t you paid to New Balance on your pev vii Uti g stafernenl by the Payment Due Date shown' (v that bdag slarenr:nl. vie wi:1 not inggse Piriodi Finance Charges on ne-x putc:ases. Gat B. (w;th85es first appealing on the current biltiug slaternent, or arty p Itioon o1 a new purchase-paid by the Payment Due Dale on your Current biffitxj sta7HUrd. We cCl tfis Ibx grace period-- There is ra grxe period on balance fraresSws or cash advances. As more fully described in the se kind your Ca do e t (x Agrccnheal Geed tea LYcAptty Paymmhis, we general/ ap * payments to your Aawm bnW on ftAnnual Percentage Rate loft taie(roe of eat ual"'. ±an category. This means fiat d you do rout pay the New Balance on the current brdirtg slalemehl by the Payment Due Date shown on that 1,46"il statement. then, ocpandaig ah ue ahwuni of yaw prfmcm and O*Aauraf Percentage Rats on other balances, you may nW get a grace period on new pwdiascs. Minimum Finance Charge. Lti_ iZ charge yes a n9ninum FINANCE CHARGE of a.50 for any, Wig, period in which Periodic Finance Charges of less tan SA would wherwise Le vnpoicd . Annual Fee. It your Acco7ol has an annual fee, 4 will be billed at the brsy.mxig of each anniversary year your Account is open The anawm of the lee appears on the slitlernerif when 7,P fee is taled. The annual tee s :,.al,fundable utess Vail nwity us that yxkr ;rieh Io doce ,vas AuY.i+r within 30 days d the maifahg or d*," dale of the statement on which the fee is b,ded Yon r4 receive G,is ieh:: al er:,r if you uses yota Card dung ihal µaiod. Periodic Finance Charges. YJa soot your transactions ills gtoLOs of purchases. caste adwX*%. and balance transfers and then Wier sat the transactions w itin each graip by their Annual percentage Rdte Fa e,,ano.e, pr'dhases subject toa p,oniotaal rate a. id pwtlrees sLtied to a standard rate waHd be separate groups. We refer to these groups as tra isaclim calegorie4. Al The erd of each b" peK-1 tore compete bdanc i and Periodic Finance Charges for each day of the bdhny pedal for each transaction catepy. We (rse the fotowe>g etyuation to compire PerryJic Finance Cages for each transaction ralcgwy. (Average Daily BalamR) hn Plays in biting period) limes (Daaily PenoGt Rye). A tau mayW MI'liathce Cho ge Summary art your bong stalwoert for these amounts. Shen we add up the Periodic Finance Cha 9es for each transaction calegony to get the loth Periodic Finance Charges to your Accord The Average Oily Balance is shoran as zero it because of the grace period, no Per' o& Finance Charges appy to the Ola nce in a transaction category. the Daitj Periodic Rafe s !/36th o (the cD respaldrg Ammar P6-mnrtag3e Rea;. We use Vie Average Daily, 8aance (inducing newtrarsactions) mot hod d rlkadatiny She balance upon which we impm Perms Finance Charges. Wecoropule the Average Daly Balance br r ti ramsaCiun Gh!e3ekY by addling up as R,e ditty b3ahcES in a billing period lor a Lansacion category and 6iding the total by the number of days in the bating period. Vie compute the dairy balanrv fcr eWi uansactwn cataM on each day by fast ad.e.d tha X417hiog to the prelnous day's daily bafarrce: harsacfiws with a Transa vin Date of dial day as storm on your bey slalerneol. unless the haraaclion is posfsd b your Account after the dose of the tiilitng period in which it occurs, in *xh case the transaction vat be added to the r1agy balance as of the fast diy of the Uk-9 period in whii* A is posted to yonrAccaroL fees Charged that day and Periods Finance Changes accrued on the previous day's daily balance,. and by then sublfacUno any credits and payments Val re ag-died against Gee balance or the transaction category on final day. In cakuiatng the daily balance tan: the first day of me biting peiod, w anode i e'nrer:Jns daps daily balance to love bean yaw balance for each transaction category on the last day of you previous biding period. At fees charged to your Account are added to the standard purdhase ransarfaa category with tlta exception of Cash Advance Transaction Fee Fianance Charges which are added to ihi applicable cash advance 1rsi:aCkah category and Balance Transfer Transaction Fee FinanceCh;ges which we added to die appicable balance transfer traraactw category. For TDD (Telecommunications Device for the Deaf) assistance, phrase ca81-600.347.7449. DiscovM may mon{lor ardor mcord lelephone cads between you and Dis(m+er representatives by quality assurance purposes. W010 The Cscove ' cud is i%,ied by Discover Bank, Member FDIC PA021,71 DI?`COVE?9 ttPaysto ? ASHEILA ccounfARHART a7 V 1l H? D[5?` ?[£g?_? Account number ending in 6577 page 2 of 2 Finance Charge Summary Nominal Other Average Daily ANNUAL ANNUAL Periodic Fee Doily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE current billing period: 31 days Balances Rates RATES RATES C14ARGES CHARGES Purchases $36.55 0.03559% 12.99% V 12.99% $0.39 $0 Cash Advances $0 0.06573% 2199% 23.99% $0 $0 Balance Transfers $10,038.28 0.01093% 3.99% 3.99% $3d.01 $0 V = Variable Rate Information For You Notwithstanding )be payment due date on this statement, if you paid the New Balance on your previous billing statement by the Payment Due Dote shown on that billing statement, we will not impose Periodic finance Charges on new purchases first appearing-on this-billing stotement; or any portion of a now purchase,--paid within-25-days-of the Closing -Data on this billing- - -- - statement. 9071114 Questions? Visit www.o6coy.r.com or call 1-800-DISCOVER (1.800-347-2683). DISCOVER ?y ® New Balance ISC ?/ E Minimum Payment Due Account Number ending in 6577 6? Fr I? $9,733.52 j $235.00 Enter Amount Enclosed Below Payment Due Date $ April 19, 2010 Please pay online ® www-Di=over.com or make check payable to Discover 23 SDSNBAol 0004509 SHEILA EARHART ino paperless and m your account re pute more passwo secure With rd- t o 45 OAK PARK AVE r ectestatements only you p u can access_ CARLISLE PA 17015-9262 Learn more at discover.corn/paperless. PO BOX 71084 }}}„r}}tr,,,},}„}}„}r},} CHARLOTTE NC Z8277-1084 Add"'ws 'wail or 101HP11one Change? Go to www.discavw.c«n or print change in space obove. 000001986453579141414097335200000000023500 Opening Date: February 24, 2010 Closing Date: March 23, 2010 Discover More Card Account Summary Account number ending in 6577 Previous Balance $9.942.96 Poynients And Credits 240.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Finance Charges + 30.56 Other Fees + + 0.00 -_.-_.. _ala..__nce _._._....____.. __ _._ tJew B .. _...?........_..__ -- $9,733.52 5ee Finance Charge Summary section following transactions for detailed APR information Credit Line $10,300.00 Credit Line Available $566.00 Cash Advance Credit Line $5,200.00 Cash Advance Credit Line Available $566.00 You may be able to avoid Periodic Finance Charges, see the reverse side for detaiLa. I tSee transaction detail for a description of any fees charged.) 9page 1 of 2 Cashback Bonus' Anniversary Month April Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 to lean ma-, 69;n of www.Diseover.com and a Ivci kowards 3 Easy Ways to Contact Us I Access your account securely at www.0iscover.com 2. Call I.800-DI5COVER (3-800-347-2683) Please hove your DiscoverOcard ovaibble. 3 Write to us at Discover PO Box 30943, Salt Lake City, LIT 84130 For TDD (Telecommunications Device for the Deal) ? . tpgcg please coil 1.800-347-7449. Payment Information New Balance $9,733.52 Minimum Payment Due $235.00 Payment Due Date April 18, 2010 Late Payment Worming: 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 17.99% variable. Minunurn 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: fyoa m6ke nr' You wdl buy off _ And you wt!) end' 5{dittormt cigrges the hcla9ce shown pppmg an ^kQl+a' {+ji5rte+7t estrntat?totafoF h(xy?u-pay§ iI! about ' only the minimum 16 years $14,253 payment $290 3 years 10,427 (Savings = $3,826) If you would like information about credit counseling services, call 1.800347.1121 Manage Your Account Online at www.Discover.com Access free online loots like Paydown Planner to create a plan to pay down .your balance, securely access statements, pay bills online and easily truck all transactions Make your money worth morel -find easy ways to earn and redeem cash rewards NEW! Access your account securely through your mobile phone Transactions Trans. Post Dare Pate Payments and Credits Mar 18 Mar 18 INTERNET PAYMENT THANK YOU $ -240.00 See reverse side. DISC40VER Important Information. If move is mere Ban ore page io this baling slatanent, see the back of eadr page for additional inporta:t information. See your Cardmember Agreement. Ycar C=Inxmbe: Agreer.*nt centait's all the terra of your Account Lost or stolen cards. Report innnWdrately! Call 1-688.3174683. Bating Rights Summary. In, Case ot'Errars or Questions About Your Bia: 6 yat think your till is wrong, or if you need more information about a transaction on your bill. write to us on a separate sheet of pxuer at Discover, PO Box 30421, San take City. UT 841901)421, as soon as possible,. We must hear from you no later than 60 days after we sent you the first bill on rolkdh the error Of problem aPPealed. YOU Can telephone its, ad doing so vat nor preserve your rGgnds. 1. Your letter. give us the follovAq infurmatim: Your name and AC[rur.t nu aius. The doliar anoint of the suep?led error Describe the error and mrpahn, it you can, why you befeve itrere is an error. 0 you ra ced more iudonation, describe tine itent you are unsure about You do nor rare to pay any amosd in question whsle we are invesfxjaring. W you are still dAigatod to pay tie pans of your bill that are not in question. Wb&- ve'nmiigale your question. we ca€urel reperri you as deknquenIor fake any xtam to cotiect the amwnl you question. Special Rule for Ciedif Card Purchases: 0 you have a fait e' rn viah die Quality of goods of services that you pu€Chased with a crest cad, and you have Ir-€c'a3 in good faidn to cored the problem with flw unotchent, you nay Id haze to pay the tamavvibg a€nou: t due or. the goods or services. You have Biis prweclon orvy when the purchase (six wds more man $50 and the puidrrne was made, m your hone state a -vinnA 100 Hues of ycw maiftng address. (II we own or operate dw merchant. or d we mailed you die adved isemerhl for The goods a services, oil purchases are cc.rie•0 regardless or ire am^^nt of kr'.ahon of pumbase.) Payments. Send only ymir payirenl and die top pon cn of this slaleme l in tie emr_^spe provided. Do not send wsh. By sending your check as described above, you authorize us to use information or your check to naake an efecrcr* ltw4 kansk?r irryn your accoarl at the Lnanc;et ins. trillion, ndi aced on your dwk a In, process the payment as a check transadkA If paynnera ns rura>ssed as a!. '.hbo,k kshd nansfer, she Va%'w vile be for the ani0vit o1:he O&ck. When we use infonafui from your dieck to make an electronic fund transfer. funds may be wihdrarn from y' a.r sc _ount as soon as Lie same day we receive your payin"L and you wig not receive your Check back from your linancral instal om The processing of your payment may be delayed it you serd cesh, conespondenoe of c4lier items with your payment, if you semi the payment to arty other address c ii you use an envelope other Bran Me are p:ovelad. Payments retevved in proper tern al cur processing facility by SPkI local time on any day nil be credited to yrnur Accoum as of that day. Payments receive-d ;1 aV practising fur: ity a1L;. SPk1 kcal fare w'3!. k . aCwtitteS U yar Arwr;r as q rtbe r:,xf dap If you have rrisplaaxl your envdrge, send your payment to Discover, PO BoY 6100, atil dr :a ^. IL r.< Plc se ier .t0 ?,. €cr:; rit ry, if yaw 3' di k€' cf u: IYfd rt::'Servell!erdf If «:Jta€!.aas mOactr.-tv &AX You can pay yw rmmnun paymeml eta greatsr amount oil of the telephone. and you can set up automatic payments. Callus at -600-347-2683. You will need this slahsnerd and yon bank account inbrnaSon. You must ersure that suffcied ersnds we available C your bank a.^.ormt, and all Irmsactim must comply min U.S. law. You will be asked to pra4de the first 5 dots of your accord starter ient ZIP cede. By enWi g done numbers as your eeclin e signature, you will fie agreeing to this autkx'vaton to allow us and your bank to deduct each paynsxil you authorize horn)rxr bank -'cool, mid to inilisle deoa or c e a entries to your bank account. as applicable, to owed an error in Me processing d such payment. You must tell us the around of each payn€enl cr you can select an amount such as the Written Payment We or the New Balance on each statement. You can cancel a payment; however we must rc-0ewe nobce at asst :rx2e busirness drys in advrance of tine scheduled payovol You may ti ily us by pure at 1-£810.347.2683 orvy mail at the address hW in the previous paragraph. It yar payv x nls vrry in amount we vill tell you aI each monthly statemard when low psyn ednt will be made and f iov much d will be. Your aukonnaric payrneni amount may be less than indrealef on Die nhordnty stahsnretd bas-,d or rn:dts a payme nts app`3ed during fine Wing cycle. Credit Reporting. lve may tepod infanwti n aWjI yourACCrunt to credit bureaus. Late payments. missed payments, or other defaults on your Account may be reflected in your credit report. We nortrkyty repot One shahs and payment hisfoy of yourArOciun! to aed8 molting agencies each mend?. It you believe that our report is inaccurate or incomplete. please write us at the foilming address: Discover. PO Boy. 15316..14hnur0fah. DE 198505316. Please include your name. address. home tefe hme nwr4>pr and AcwwA number. Graca Period on Purchases (at least 25 days). We begin to wnpose Periodic F'anatce Charges on all IfdnsaGtions from the Transaxuri Date V Lie transaction shown on your billing statement, unless a uansactici is post xt to yaw Recount afler the close of fhe b". period it, +tdCh t occurs. in W ich case we begin to impose Periodic Finaaw C Loges on that transaction from the Srst day d The bitwq period in which it rs posted to your Amount. We contirwe b impose Pediodit: Finanoe Charges uMd hhe date you pay your entire NeN Balance show,t on your 6:aing stae«mrt by making payrrs ins or roxivaiq credits. Hwxver, H you pear the New Balance on your prenipu6 Ming statement by the Payment Due Date shown on that billng slaw. wra. ww. vat not utvxue t , iodic F ina ce Charges on hie vpurchases, that is, pwchass last appearing w the wertl baling statement. or any portion of a Henn purchase. paid by the Payment Due Dale on your current biting sla!enent We Cat t ws the -or" period:' There is no grace period rn balance transfers or cash advances. As more fully described in The sectim of yon CardmemWr Agroerrhent dried 'How Vie Apply Paymonts,' we genwafly apply payments to yar Account based on the Annual PercttNage Rafe apph O? W the txilble_e of htm,:rr•'ton ealtgcay This means t" if you do r..ot pay line New Balance on the wrremt biY'ng statement by the payment Due Dale shown on tint 4f'?!;r statement. then. ut"1449 % the annum d your payie.>•m aid the Annual Percentege fates on other balances. you may not get a grace pc iod on nee purchases. Minimum Finwxe Charge, vR:-w.1 dyarye you a minrunt FINANCE CHARGE of S-53 for any !Ain>g period in which periodic Fuwme Charges of less unan 5.50 vctrid oft-Ouse be imposed . Annual Fee_ it your Acivint Los an annual lee, it ail be tided at the begmning of each amaversary, year your Account is open. The ainvini of the fee appears on die statement wlt i vie few w i.dat The ar^-nai is -; r• a!dahk: im'•KS yet nxyy us :i>'€ -nndn to dose your A: _oun! a 4hin 30 daYs of the metm cr de5very• dale of the statement on wt;ich ft lees Li4ed.'ica :,.! .w U=_ h +..., ... .I you u>b y zee %.'a:i r .f Periodic Finance Charges. Lot= soul your hansartos into ylrcups rye purchases, cash advances, and balance transfers and then further sort the transactions wahin each group by their Anheyai Pacernage Rate. For em.opie, pnrcMaes sub)ecb to a yaixnuGonal rate and purchases s€rbjecl to a standard rate wwid be separate groups. We frier to these groups as transaction categories. At the cr4 of each bi" period, we conq. re bnta tees and Periodic Fknaece Cnatges for each day of the Wing period for each transaction category V* use Itee following equation to compute Pefiiwic Finatr,.e 0 targes fm erkh ttansacii ni edregw1. (Average Balance) tnies {days in biting period) tines rDxly Pariodic Raley You 6a?l tf?ce Cua:ge Summary on your b0inj 3teder nt to brew amounts. TIM we add up the Periodic Finance Car sss for each transaction category to gar the total Periodic Finance Ch::rges f:1 ycurAcctxnl. The Averaize Daly Balance S slmwn as zero it. because d the grace period. no Periodic Finance Charges apply to the balance in a frarusactien raleyory. Ttz Uaay PEUicxlic mate is 1?3851n d i€e cmrespontAV Annui Percentage Rate. We use the Average Der y Bala ax (iickudrig new tramau?s) metitod of Calculating blue b -mc a upon which we impose Periodic Finance Cttages. We ref sde the Average Daity Satanck for each $an(actLiln olrgory by adding up all the daily bJxxs in a b96V period for a karsaction category and dviding the total by the numLw of days in the birg period. We conpute the daily balance for eadn trarnsar:n category rah each day Ly 6usf adding the foH=w+rg ro the prevnus day's defy beitmtce Mansadiohs wide a TrarsecOcin Dare of fhat day as sham our your dreg stalemr nt uaiess the kans;s7ion is posted to ydwrAccamn after tie close of the being perod in which ioaws. in which case the Iransaction will be added to 0e daty baiariee as of to fist day of rte Only ny period in wlidh d is posted to yourAtccoum, lees charged Bat day and Perfok Finance Charges accrued on the previous day's daily balance; and by than subhactag any credits and pa, nxh!s"se appal agamt are batdnceof the transaction tategay ort that day. In cazulatmg the daily bafana for the 451 day of the biting period), we consider !he-previous day's dally balance to have been your balance for eadi transaction category on the Mast day of your previous biding period. A6 fees charged to yon Account are added to Ikea standard ptrdase traasxt]ion caegory with one eycepbn of Cash Advance Transaction Fee Finance Charges WYch are added to the applicable cash advance Irarsadon category and Balance Transfer Transactor Fee Fihar oe Charges wtidn are added to the applicable balaom transfer transaction ,category. For TOD (Telecommunications Device for the Deaf) assistance, please call 1-800.347.7449. Discover may monitor ardor record telephors calls betwm you and Discover rc-rreseataty s for 4uainy assonance purposes. WGIO The Disc ai"card is tweed by Discaver Bank, Membee FDIC PA0210 DISCO E!E trpayste Account number SHEILA 1.2 E.7 ® !E I D15C YFR__, j Account number ending in 6577 page 2 of 2 Finance Charge Summary Average Daily current billing period: 28 days Balances Purchases $36.70 Cash Advances $0 Balance Transfers $9,869.60 V = Variable Rate Nominal other Daily ANNUAL ANNUAL Periodic Fee Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Rates RATES RATES CHARGES CHARGES 0.03559% 12.99% V 12.99% $0.36 $0 0.06573% 23.99% 23.99% $0 $0 0,01093% 3,991/. 3.99% $3010 $0 information For You You're going places. Make sure your savings are, too, Discover Bank provides the stability you want, rates that hove consistently beat the national overage, and security through FDIC insurance, up to $250,000 per account. Open a CD, -3P.A=CD; or Money Morket°account al DiscoverBank:com orby phone at 1-888=72&32-12 - Please mention code MSG0310: - -- ---- Go paperless and make your account information more secure with password-protected statements only you can access. Learn more at discover.com/poperless- 9071114 Questions? Visit www.Dlscover.com or call 1-800-DISCOVER (1.800-347-2683). DISC*VEI" DISCOVER $9New Balance ,526.66 23 SDSN6A01 0004510 SHEILA EARHART 45 OAK PARK AVE CARLISLE PA 17015-9262 Minimum Payment Due Account Number ending in 6577 $231.00 i Enter Amount Enclosed Below Payment Due Date May 18, 2010 Pay online at www.Discover.com or make check payable to Discover Phone and internet payments must be made by 5:00pm ET for some day posting. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discovec.comlpaperiess. PO BOX 71084 fill. III CHARLOTTE= W: .:8,'17 1 U£14 Address, email or telephone cl;enge? > > 1I :IJi„l...i Go fa www.Discovor.com or print change in spaco above. 00000198645357914141409526660000BOaDEi23100 Opening slate: March 24, 2010 - Closing Vate: Discover More Card Account Summary Account number endina in 6577 Previous Balance $9,733.52 Payments And Credits 240.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 finance Charges + 33.14 Other Fees t + 0.00 New Balance 9,526.66 See Finance Charge Summary section following transactions for detailed APR information Credit line $10,300.00 Credit Line Available $77100 Cash Advance Credit Line $5,200.00 Cash Advance Credit Line Available $773.00 You may be able to avoid Periodic Finance Charges, see the reverse side for details, t See transaction detail For a description of any fees Cashbock Bonus* Anniversary Month April Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance 0.00 Ta learn more. tog in ai wwwMiseover.com and seleci Rewards 23, 2010 page I of 2 Payment Information New Balance $9,526.66 Minimum Payment Due $231.00 Payment Due Date May 18, 2010 Late Payment Woming: 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 17.99% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: !f yoLLfinbCe rro: You vcil( pay oN ,And you xn(( end,'' add+hatigTthgrgas the(3gCartae3hawrt uppoYirxfcaC+ J3TXig i 7?fxardand: an ihts-statement; est+mple.dfotal pf' . eftchmorlli?t>upolr sn.aboot Only the minimum 16 years $14,007 payment 11 i $285 3 years 10,243 (Savings = $3,76,4) If you would like information about credit counseling services, call 1-800,347-1121 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com f Access your account securely at www.Discover.com Access free online tools like Paydown Planner to create a plan 2. Call 1-800DI$COVER (1.800-347-2683) fo ?oy down your balance, securely access statements, pay bill li d il ll i k Please have your Discover® card avoilable. s on ne an eas y trac a transact ons 3. Write to us at Discover, PO Box 30943, Sall Lake City, UT 84 F 30 Make your money worth moresht-find easy ways to earn and redeem cash rewords For TDD (Telecommunications Device for the Deal) NEW! Access your account securely through your _T!i:gance_please call 1.800347-7449 mobile phone Transactions Trans. Post Date Date Payments and Credits Apr 18 Apr 18 INTERNET PAYMENT THANK YOU $ -240.00 See reverse side. DICrAIDIVEp Important MTotrretion. 11 thee is more than orte page to Otis b4firg staHlhnenl see the back of each page for additirxhal drW12011 inlonr360n. m See your CardmemberAgreement. Yad CaOrtember Agreement contains all the terra of your Accami 0 (n z Lost or stolen cards. Report immediately! Call 1.8003473683. D 0 B8!ing Rights Summary. In Case of Errors or CueStior!$About Your W; It you think your bW is wrong, or a you need more mformallon about a transaction on your brill, write to us on a sepafale sheet d paper at Dkinver, PO Box 3W 2 f, Sall Lake City, 1-17 84130.0421. as soon as possible. We must hear from you no laser than 60 days after V.- Sent you the fist bill on o Which the error or problem 2,npeared. You can telephone us, alit doing so will rid iveserve your rights. in your letter. give us he following information: ? You name anal Account nwrbc7'. 0 1 he dotal anwunl of the suspected error. Describe the error and exlaavr, it you can. who you believe there is an error. t you need more information, describe the item you are unsure about. •v You do not have to pay any amoum in q w0on whtc we are invesligatig, but you are 568 abaigakdf to pay the parts of your Wi that are not in question, While v . investigate your question. we cateea repod yar as delinquent of lake any action to collect the amount you question. Special Rule tot Credit Card Purchases: If you have a pollam vdrh the qua6ly of goats or services Na! you purchased wilt a credit card. and you hake tried in good Wh to correct the prd*in wide Die mtucim ;i. you mil, rot have to pay ties rerralining amount dw: on rite goods or services. You have this fmcn iipm achy when the purdhase prise was more thart $50 and doe purchase :v rs mask jr, your home slaw or withal IW mi3es of yurmadi g ZWIe S. (If we rim or operate the merdtaW, a d we matted you He adverMerrem for one goons oe services. all purchases are woe--(4 fegard!ms d the:.llvwttt of lw-Axhn of purchase) Payments. Send crd y your payasut and the tap Frd15w of Nis slaknlenl in the envelope prov&-d. Do no! send cash. By seMing you check as described abme, you audhaize us to use information, tut your clock be -.wke an etec:tranr; Lard transfer from your amount at the financial itsGtution indicated on your cti lcik cr io process the paynteml as a cock tra saclk)n. it payment is Processed as At loactrow fuM transfer the tra. Wen weld be for the ainoum of tee check. When she use inforrrar:on from your check to make an etectronc fund uans(er, funds may be 1tiRMrawn f:one your x _ouht 2s soon as the sorne day wo recwwe your payment and you will no receive your check back Iran your financial institution. The processing of your Payne, it may be delayed d you send cash, correspondence or otter items wth your Payment, if you send i7t payment to any oiler address or if you use an erlvektpe GO)w trial) dad one proWei. Payments received m proper foul at our processirg facfAy by 5PM load time on any day M be creddled to your Account as d fowl day. Payments received ow. proctssin.g fa'ity after 5P.1 !GCA lime "I; he clexil m to yourAocwl as ?ll to nr:ytday. If you have misplaceff your envao*, seed your payment to Discos*r, PO Box 6103. Ca of Strean)_ it 6G 15; .•3. Fa>,ase poky: -!0 days f x d 4avery t! Y d pay: yni s tenor: cd ur¢a 1, vre rese,ve doe yYr t:: resuua+ it as am u,:ect,wit; debt, You can pay your Maintain pay rant ur a greater amount ovar die telephone, anal you can set up auforna4c payments. Cap us at !-rut-3:i 2683. You wit need dos stxemerd and yox hank aocatim i format w You niust ensure that sufficient funds are available in your bank aceoura. and all transactions must cora'rly with U.S. !am You :via be asked to provide the first 5 digits of your account statement ZIP code. By entering those numbers as ycureWjtonx signature, you will be agreeing to this authorization to allow us and your bank to deduct each payrnert you authorize iron your bank actiow; 1. and to minima dead or credit entrees !o your bank account as applicable. to correct an error in the processing of such payment. You must tell as the amou d each pa;-men1 a you can Seteel an a ho unl such as the ldurnwm Payr:ent Due or the New Balance on each slaternerm Ydu can cancel a payment; however we must recenerelice aE leasl:nw, buskhess days in advance of tee scheduled payment. You may nobly ir5 by phone at 1$00347-Yea or by mail at the address listed in the previous paragraph. It your payments vary in amo9Jm, we Mittel you on each monthly staterrml when you payment aril be made and how much it will be. Your automatic payment amount may be less that cdhr e f on the monthly stale hwni based en a5dys or I aymerts a. ;). durtry the bogy cycle. Credit Reporting, We may retort information about yourAccwn! to credit borealis, We payments, missed payin emis. or other dr-Jauils or, yout Account may be. reflected in your credit report M ocrm*j report file NEWS and paytrerf history rd yoyrArmant to aodr sporting agencies each month. If you WUAvrl that our report is inaccurate of incomplete. please write us at die killoveng wJdreis: Discover, PO Box 15316, Mmingrioa, DE 1 W50-5316. Please ir"de you name, address, hone lewphae number and Account nurrtx+. Grace Period on Purchases (at least 25 days). We begin 13 impose Pe:iodicFinance Charges on ate transactions from the Transaction Date for He itawaton shown on your biting statement. unless a ttansaetico is posted to your Arcount after the dose of The Ling period in :itch a occurs, in vetich case we begin to impose Periodic Finance Charges on 81x1 nrisaclion from the first day, cl the bSahg POW ;n vie ch is posted to your Account. We ca4i ue to riposte Periodic Fiwa:e Chtirges umn tee date you pay your entre New Balance shoeah at your billing 5lafenmil by nuking paynerrm or w(mving credits. ftmver, d you paid doe New Balance on your pre-ioM LYaing stateerient by the Payment Due Date shown on that hitting slaits ant-we vAl not impose Perialk: Firarre Charges ate new purchases, ihaf is, purchases first appearing tin tit ameni hreahg staemenl, or any portion of a new purchase. pad by the Payment Due Dale on your current Ling slaehrent We cad ids the grace perrod.' There is no grace period on balance transfers or cash advances. As more fully described in the sectiat ol your Cardmember Agroert'Lml filed -How We Apply Payments.' we generally applypayments to your Accumt based on the Annual Percentage Rale applicable to the balance of edi) uamiaclia, Uegory. Tuis means that if you do riot pay tote New Balance on the armert biving slalmue rl by He Payment Due We shown oo 0+a1 N11wil statement. ten, dWtdiilg at the:nxdunt d your payment W the Annual Percamage Rates on ow.er balances. you may not T-M a gram :sviod al mnvp ochases. Minimum Finance Charge. WevatdhxgeyouaminnnumFINANCE CHARGE d5.50forarryt0ingperiodinwhichPeriodic FinanceCharges Bless dim5.50 %ouldotherwisetie ihyxisrel. Annual Fee. If your Aoccinm has a:) annual fee, it Mll be bdecl M the liegiru-vhg of each armiomary year your Account is oMm The xrowY of the fee appears on die sialernenl when Lhe It* is tia5-J. The arnuai it- is nil refundable un!ess -Man: iy us Dial ven, :RSh to of 6, your Account vdihin 30 days of the nrtzin3 er drive y dame of the stalenrrd of which •7r„ tee is ImW Yca wig rfx&:,-c Mots itUid tveo ii you tc*..)our Cut:! during anal wnocl. Perlodre Finance Charges. We sod your bixT541 ices i le greahps of purdwses, cash advances, and balance transfers and than further sort the bansaclicrn wthin each group by their Annual Percentage Rafe, For examyie, purchases sut;w to a prcairAorezl fae and purchases subject to a standard rate ovoid be sep3raie groups. We refer to these groups as transaction calegoeies. At the cud of each bu3Sg period. vw oomnptne balawls arul Pork:x c Fal Charges for each day of toe ixx Fng period for each 6ansacu an cane", We use the 1ot30wing a ffuafreh to compute p6lit is Finance Charges for each transaction catego y: (Average Daily Stance) tarhas (days in D'diing ;heriodl tinter (Daily Periodic Rater. You may W M'tilaits Charge Som nary on your b9itg statement tot flese amounts. Then we add up the Periodic Finance Charges nor each transaction category "I the rota! Periodic Finance Changes fcf your Account. The Average Daily Balance is show,t as zero If. because of the grr_e period, no Periodic Finance Charges apply to de balance in a transaction category The Da]y Periodic Rate is 1+3VIh Wile corresponding Annual Percentage Rae. We use IheAverage Daly Balance (ihdudmg new transactions) method of calculating Ne bafanx upon which wive inpose Pere Finance Charges. We compute ftAvetage Daily Salarice for each uansac omi a.eg sy by adting up a ll file daily breancas in a Wing period fora transaction category and &idm the total by the nmti er of days in the Mmj period. We compute He daily balance for wile flara-e bon caiegay on each day by first addOV tee fodahing to the previous days dray ta!arm. transactions with a Transac5on Dale of that day as shovers on your biilig 5Nlemom unless He unnsadion is pos1M b your Account after the dose d the biding period in wbFh a occurs, in v jddn case the transaction will be added to the daily balance as of He first day or the befmp period in 4ed1 G is posted to yourAccoanf. tees charged that day and Periodic Finance Charges accrued on doe previous days daily Oafarrca: and by then subtWing any credos and payntcrls that ate applied against the balance of He transaction category on Nat day. fop cakatating the daily balance lot the ersl day of tae bfing period, we rurhside ?nor , my ous dais dairy ttbnce'to have been your tafaacn for each transaction category on toe last day of your previous billing period. At lees Charged to yaw Account are added to the standard ptrchasetrar>Sactfon carte gay will the exception of (ash Advance 7ransac6on Fee finance Charges wthich are added to the applicable cash ack4w ife vansactnm category and Balance Transfer Transaction Fee Finance Charges vaich we added to die applicable balance transfer hansao ices category. For TOO (Telecommunications Device for the Deal) assistance, please call 1.800.347.7449, Oscovet may mondor anrva rfmr l tflephorie calls between you and Discover representatives for quality assurance purposes. X2010 The Discover' card is issued by Discover Bank. bkember FO IC PA0210 DISCOVER "smylto SHEILA EARNART Account number ending in 6577 --MCOYJFR-l page 2 of 2 Finance Charge Summary Average Daily current billing period: 31 days Balances Pumboses $35.33 Cash Advances $0 Balance Transfers $9,667.81 V = Variable Rote Nominal Other Daily ANNUAL ANNUAL Periodic Fee Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Rates RATES RATES CHARGES CHARGES 0.03559% 12.99% V 12.99% $0.39 $0 0.06573% 23-99io 23.99ie $0 SO 0.010931/. 3.99% 3.99'1. $32.75 $0 islforTTlrrion For You ------ ----- - --- Share money, not your credit line. Quickly share spending money with those who rely or; you, the Current(SM) by Discover(R) debit cord has customizable spending limits $ $0 fraud liability so ieens can't overspend or lose their cash. First month FREE-(up to-a-$15-wlue) with -Promo-Code -SM4-lo-at CurrentbyDiscover.com. Offer-expires-5/31 /10. 9071114 Questions? Visit www.Dkcover cam or call 1-800-DISCOVER (1-800-347-2683). DISC40VEI I y? New Balance Minimum Payment Out'] DISCO ER $10,225.13 45.00 -- -°- 1 Payment Due Date June 18, 2010 23 30SNGA01 0004511 SHEILA EARHART 45 OAK PARK AVE CARLISLE PA 17015-9262 Account Number ending in 6577 Enter Amount Enclosed Below Pay online at www.Discover.com or make check payable to Discover Phone and internal payments must be made by 5:OOpm ET for soma day posting. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.coartpaperless- PD BOX 71084 III" Ill... trlrlrrllrrl rlrl 1 01ARLDTFE NC 28272t-1084 + S nl?(li.?.`... UIP.aIi Gr !elvpilOne ChOng??'^.' j11?1Ijt Ijllljt)jlli(11l lllllj jlj7 ttjltj tl jl.lll llli )Il?ljlljl Go !o www.Dixover.cwn or print change in space above. 000 - 001986453579141.414102251300000000024SOO ODenina Date: April 24, 2010 - Closing Date: May 23, 2010 Discover More Card Account Summary I Account number ending in 6577 Previous Balance $9,526.66 Payments And Credits 231.00 Purchases + 890.55 Balance Transfers + 0.00 Cash Advances + 0.00 Finance Charges + 38.92 Other Fees t + 0.00 Now Balance $10,225.13 See Finance Charge Summary section following transactions for detailed APR information Credit Line $10,300.00 Credit Line Available $74:00 Cash Advance Credit Line $5,200.00 Cash Advance Credit Line Available $74.00 I You may be able to avoid Periodic Finance Charges, see the reverse side for details. tSee transaction detail for a description of any Fees Cdshbock lonuse Anniversary Month April Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 2.22 Cashback Bonus Balance $ T2.22 In Icon mote, log in al www.Discover.com and Ae t Rowards pane 1 of 2 payment Information New Balance $10,225.13 Minimum Payment Due $2.45.00 Payment Due Data June 18, 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 now Iransoctions may be increased up to the Default APR of 17.99% variable. Minimum Payment Warning: if you make only the minimum payment each period, you will pay more in interest and i! will take you longer to pay off your balance. For example: (yovmukeno You will pay off Arid yea will end' gddtNOt!al Gltprg'es tha.bplonce ?1+rnNn et?rsptay!t?titlr Uszng.(hls;ca!'dQrLt; anfhis,;laiamertir eJll?ated#ola#rsf: .. fnai? 1`O.Pa?! [n4bout-:.... ......... Only the minimum 17 years $15,859 payment $310 3 years 11,15} (Savings = $4,708 j 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.Discoyer.com I Access your account securely at www.Discover.com Access free online tools like Paydown Planner to create a plan 2. Call 1.800-DISCOVER (1.800.347-2683) to, pay down your balance, securely, access statements, pay Please have your Discover®card availablebis online and easily track all transactions 3. Write to us at Discover, PO Box 30943, Make your money worth morel-find easy ways to earn Salt Lake City, UT 84130 and redeem cash rewards For TDD (Telecommunications Device for the Deal) NEW! Access your account securely through your assistance, please call 1-800-347-7449, mobile phone Transactions Trens. Post Date Date Payments and Credits May 18 May 18 INTERNET PAYMENT THANK YOU $ -231.00 Merchandise Apr 23 Apr 24 WAL•MART SC #5420 KISSIMMEE FL 81.80 Apr 24 Apr 24 WAL-MART SC #5420 IGS51MMEE FL 118.21 May 7 May 7 PEALFR'S FLOWER SHOP CAMP HILL PA 37 10 Restaurants Apr 23 Apr 24 5TEAK-NSHAKE#0281 Q99 ORLANDO FL 18.54 Apr 25 Apr 25 MCDONALD'S M5299.OF FL LAKE BUENA FL 21.05 See reverse side. DISCOVER Important Information. Howe is more than one PWin gas billirg statement, see the back ul eadr. page for additional ir"itant iiilonnalion. O See your CardmemberAgreemenl.Your CartiremberAgreernerdcontains alf the few rdyrwrAccunt Cn z Lost or stolen cards. Report:mmedGlely! Call 1.600.397.2661 a 0 Billing Rights Summary. In Case of Errors or Ouestions About Ymf W: 9 you thank your bill is vm*. or if you need more inhim alcn about a Iransaction On your W Wile M us on a a separate shell at p.:,,er a) Discover; PO Box XA21, Sail Lake Chy. LIT PA13U-D421. as scan as pos3dite. We must hear Gem you no later than 60 days after vile sum you the first bill ail o which the fern or problem appeared. Ytlu can IatepMnQ us, biro ,Iping 5p tit 1161 fhrgserVE yell lghi+.1r. ydx letef, gNQ 1K 7f12 IP.1tWAftg %daTnalifxr: N Yotsrname and Acxuntexrr zee. The d02w anidWn of ere stmt--sled ?nor Describe Ne error and e+Gl wi if Oro can. May yar bH eke here F an error !t yca need nkxe ad xrnalix desu be e e iFem y w afe unsdre atiou1. You do not tare to pay any ar:cxmi in question t4vutc v,F, aro im'estigatino. hill you are slid obtgated to pay the parts of your bill that afe not in question. Whine,re imesligate your question. we camtot report you as Janquent cr take any action to collect dv amount you quesfim. Special Ruts for CredR Card Purchases: l you haw a p oblQrn rrith the glagly of goods or N-wv4ces that you purchased Ai a cradil Gard, and you have 1ric-0in good bill to correct the problem wit He mercira,d yea may not have to pay die ren-airl g WWI die on c:e goods ti services. You have INS i FUeaioo only Mlen tr:e purchase peace vas more than S50 and the purchase was made in your harm state or Ynfrin td@ 611 of y,,,x madiflg adders. p! We Own oropefate the imth;tnt or if we mailed you the adverksernm4 to:. He goods cm services, all purchases are o cred regar&ess of the alnc:nt or location of purchase) Payments. Send only ycx pannenl aad intro 10p Pon-xn of this sfalemeet in IM envc-h47e proven . Do not send cash. By sendieg ycnir dreck as described above, you authorize us to use intpnadon on your cdredt k mare an eWatfo ni.tend transfer from youra rouot at bte fulandal irWiluti n indicated on your check a to proms the paynoil as a check transaction. ti payment is procxssed as our r: t:orMc fund da:,,W to Iransfer via be for the anaunt of dre deck. When are use infoomuxao Lein pit check to make an electronic kcal transfer, funds may be andndfawn bran your acttwnl as sore as the salve day;* receive yet payment. acted you wig not receive you check bafk from you fatandal insatutian. The processing of your payment may be delayed it you stand cash carespofhdenoa otter itwii3 vith your payMenrl, $ you send the payment to arty utter address dr d you use an envelope dher Nan die one pra.:ided. Payments recoiled c1 proper form at of prooessini; lac#Ay try SPIA local lime on any day Of be credired m year Account as d that day Payincols recPrved at our proce. coq fact tAy: fir SPM loud !one vA be credited to your Account as of the next day. It you have misplaced y;Arr en,,ak1*. sr,?d your prymenf to Disi--"r, PO &:< 6103; Ctsol' nn, iL ca ish ,..: i'i:rx &=. 11 :sy f; 3 i^;ray. t •(, ail yry r,-dnfe$c:r? v ail. ce t"e olu rigit Io:t-i:.!l!::! a: o:f ell' 2 .o:-. ;kU You can pay your npnirmsn payment or a greater amourd over die telephone, and you cad set rip ardomatic payments. Cal t>s at 1-&'r0-347-2663. You A need this Statement and your bank aoccurl inifonrtatm. You mist ensure that wfficle:d `urid5 ate aveirsb a in your bards account, and at Ilim5aU4rs invfsi comply Yoh U.S.law, You vql be asked to prrnsde the first 5 dayts of yox actoure statement ZIP code- By entering those su bers as yatdi'eC1miC slgnakire. yotl vA be agreeing to this alithorhZatian to alow its and yow bank b deduct each paymentym atrthowe Gorr. yax:ank account. and to initiate dehit of credit entries to yort bank account, as applicable, to cared an eoa in the processing of such payment. You nnusi leg us the arrant of each paynwrA or you can set :.t an aMOUnt such as the IXvronmm Pgmenit Due or the New Balance on ead h staterr.Qnt. You can cancel a payment; Imvfever We hus! recite nodoe a1 I:aee t usahess day in advance of the Scicefhded payment You may notify us by phone at 18D0-347.2663 or by m g at rte address &Yed in the previous paragraph. f you pay(rr as vary in am stmt we Wig tell you on each monMily stattefhealw htn yfsuf payment w*Abe made and fain much t whit be. Your aulonatic payment an wni cony be less than indicated on the morthdy slalerveia based on rndGts or payments applied during ria biaeng cycle, Credit Reporting. We may IPXd inlerrttabOo ArAd yvurActant ?a credit bureaus. Late paymenL% missed payments-or other defaults ah your Account may be reflected in your credit report. Wo nwrtrdiy ftipon for <_tWus and payment his" of )-ourACOanM to credit reporting agencies each month. R you ber--,e :hat our report 5 inaccurate or incomplete, please write us ai the kloviiq addfes5: Disccser. PO Box 15316.:7ilmirglon, DE 198505316. Please include your name. address, home teie(dhate number and Account number. Grace Perind on Purchases (at least 25 days). We begin to knpose Periodic Fiance Charges on of transactions from the T. ansactirxi Doke for Me Gansac,.iion sham on your t ding staiemere, unless a tansat;I01 is,-rlsted to your Acurim after ft am of the d'Airad period in 74w:b q occurs, in which case we txyin to 0%4lse Periodic Finance Charges- on that transaction him the fast day of le RFag period in vAiidr it is posted to you Account We continue to impose Periodic F-Hance Charges until the dMe you fay yower&eNew Balance shown o your bLGhg sbilemQnl by making payments a receiving credits. Hwieew. d you paid the New Balance on your prevtiovs bihmg statement by the Payment Due Date she" n ?, y? on that filling staternert, kve K4:1 not mnpese Periodic Fm.alice Charges or, r eW putrlla". 00 is, put.di7ses fist appealing ford l-,Q current ItArg suiernerit. M aly potion of a view purchm. pad by the Payment Due Date on your current haling sialenrent. We Cal fins the mace period: There a rho grace pta qd rM baker ce han5fe s a cash adva Ices, As rnae fully described in die Section d Irv Gydmeri>54rAgrccment I Buoy Vic Apply Payments. we grnefaAy appy f?ayt a is to yourAccanl based n l lheArmuaJ Pefoenl ige Rale appdcable to the txtarrx d each eamxlion categoy. Tlk nx-ans that i1 yo: do rout fay the flew u lunce on the current txg:ng slat irheni try Vie Payrhent Due Dale shown on tut bimu) statement, then, tiepe+>.1mg ai d,c anhouN d your payment and dic-Annual Percei l;lt Rasps or Ober balances. M may nix get a grace period on near purchases. Minimum Finance Charge. "'a tee charge you a mafratnn FINANCE CHARGE o l$60 for any bArg prod 7r. YAach Ptriok Fivnce Charges of less Bran 5.60 ACOW ollxswrse he enposext. Annual Fee. If yourAcccum lvs an ::. iiual fee,+r Abe tAW at the beginning d each afmiversaly yet, your Account is open. Thr, anwil of the fee appears on fie statefferg wtieri the fee is tilted The anntun ice is ire&ahdabie u:)Lss n rKOir u5 trxat ail 7/iih * WSe your Accoim' r dttu 30 days a' fIM n :i; N ?c Ceti?f? CaIC 0(1hC rl?/cnx711 a1 Wnech the fee is billed. You wct ni,:e lhu rh;l.r,i .+:a d you a;c yc x Ca1C ail; a s rho faa. PeriodicFwrice Ctarges.l4'e sort ycir transarxis into gwp of purchases. rash advances, and balance transfers and lien kt!her srxt the transactions rFJuh eadrgroup by Veil Annual percentage Rate. For exampte purchases subject to a gonnWiora rate and pechases subject to a standard rate would be separate grasps. We rthfertothese groups as uxlsacliim cdegoriim. At the w4 of each brkng period, we conhf,trte batafwes and periodic Frtance Charges for each day of the bil-rg period for each transaction category. We use the lolfoveag equaaiat to canptge Perbeiic Finance ClInryes to each transaction category: (Average DDaay Balance) tines (days M Wkng period( trees (Daily Periodic Rate). You mayqQhp ergaf#e f, i- . Summary al your bit-iit; staiente:ll let these amamts. Then we add up the Periodic Finance Ci,aiges for each baruadion category ro get the total Periodic Finance Charges for yoxAmourd. The.A,,,l---aoc Dally Balance is shemn as zero it. cause of the grata pedal, no Periodic rinancce an-es apptyto fie bloom in a lransaclio n category. The Dat; Pericct- Rate is (A are cone5pondatg Fatalal PeALWAVe Rae. We use Vie Average Daly Nance (undudi g new bansadmns) method d cakotflafig the balance upon which we ion,ire Pessrdic Finance Charges. We compute the Average Daily Balance for each transaction ra egory by adding up all .lie d*j bara cm in a btTxrg period for a transaction category and d.-ung the total by tFe swrrtxu of days in Ne biting period. We conl de the daffy Bela:ae for each Uanse hit h ca eifLry on ead day by tad addirV the kQoving to the prehmus days dz* balance: i;ansactiahs vAM a Transartiah Dale d tar day as shorn on your tang statement, unless the Iransacicil is posted to yourAowunt alter rte dose of the bil6g period in vfth q occurs. in Mddn case tote tratsxdon,wr be added to the daily balance as of One 5ist day of the burg p.?xW in which g is posted to yourAccoum, lees charged that day and Periodic Finance Charge accrued on the previous day's daily balance; and by Nan sublrxli.g any credis and payments trial are applied 89*W!te balanoe den transaction cftory on cal day. In caltdalirg the daily balance ter tie first day of the birxg period, we cons del x-pr,hvus days day ba xc to have been your balance foreach transaction category on me fast day of your previous biting period. All fees charged to yourAecourq are added to Ne searched purchase transaction catcdlay with the exceplon of Cash Advance Transadim Fee Finance Charges vibicn are added to the applicable cash advance GarSacr-n category and Balance Transfer Transaction Fee Finance Charges wh;rh are added to the applicable balance transfer bansacli n category. For TOD (Telecommunications Derice for the Deaf) assistance, please call 14011.347-7419. Discover may monitor andtor nomad teleP'hohe calls boteeen yoe and Dismw representatives to quality assurance purposes. 02010 The Oisiccwr curd is issued by Disccvev Bank, hl mbc+FDtC PA0210 D1??trEJ???®@? 9 It pays to SHEILA EARHART w?1FR Account number ending in 6577 ?_$?4 page 2 of 2 Transactions Trans. Pact Date Dale Restaurants Apr 25 Apr 25 MACARONI GR00000604129 KISSIMMEE FL 43.87 Apr 25 Apr 25 IHOP 36 103 KISSIMMEE FL 29.12 Apr 27 Apr 27 TGI FRIDAYS 40157 KISSIMMEE FL 51.42 Apr 28 Apr 28 SIZZUN GRILL KISSIMMEE FL 12.52 Ga:ol>no Apr 22 Apr 24 HESS 38358 CARLISLE PA 25.01 Apr 22 Apr 24 HESS 38358 CARLISLE PA 13.36 May 6 May 6 0426 SHEETZ CARLISLE PA 11,02 May 11 May 1 1 HESS 38358 CARLISLE PA 47.71 Nmv 13 May 13 0426 SHEE17 CARIJStF. PA .12.9 7 1Jay 19 May 19 HESS 38355 CARLSSLE PA 19 Trawl /Entertainment Apr 23 Apr 24 AIRTRAN AIRWAYS ATLANTA GA 30.00 Apr 24 Apr 24 BOX OFFICE K FL 50.00 _WALT.DISNEY. WORLD RESORT R1141317... Supermarkets Apr 23 Apr 24 GIANT FOOD #112 CARLISLE PA 1 13.41 000026 May 7 May 7 KARNS PRIME & FANCY FOOD BaiUNG SPRINPA 3168 May 10 May TO GIANT FOOD #263 ENOW PA 19.62 010058 May 19 May 19 GIANT FOOD #112 CARLISLE PA 37 13 000078 May 19 May 19 GIANT FOOD 9112 CARLISLE PA 22.13 000007 May 19 May 19 KARNS PRIME & FANCY FOOD BOIUNG SPRINPA 1 145 Finance Charge Summary Average Daily current billing period: 30 days Balances Purchases $740.65 Cash Advances $0 Balance Transfers $9,464.00 V = Variable Rate Nominal Other Daily ANNUAL ANNUAL Periodic Fee Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Rates RATES RATES CHARGES CI ARGE3 0,03559% 12.99% V 12,99% $7,90 $0 0.06573% 23.99% 23.99% $0 $0 0.01093% 3.997. 3.99% $31.02 to 9071114 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). DISCOVER New Sol--- Minimum Pc,ment Due $10,090.92 $242_00 Payment Due Date July 18, 2010 23 S©Snrsnoi 0004512 SHEILA EARHART 45 OAK PARK AVE CARLISLE PA 17015-9262 Account Number ending in 4577 Enter Amount Enclosed Below $ Pay online at www.Discoyer.com or make check payable to Discover Phone and internst payments must be mode by 5,00pm ET for some day posting. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discovercornlpaperless. PO BOX 71084 Ill t[I 1111111 fill III t t 11141 r,HARL01TF 14C 28272-1084 cdd:ess, t=rn6i or telephone change? ,r?e?lnluiii?ltulr.la)rsr???)ru?n'nlrt?Inltr?nl:)nf( Go to www.Discover- or print thong. in apace .cove. 000001986453579141414100909200000000024200 Opening Rate: May 24, 2010 Ciosing Date: June 23, 2010 Discover More Care! Account Summary Account number ending in 6577 Previous Balance $10,225.13 Payments And Credits 245.00 Purchases + 68.38 Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged + 42,41 Fees Charged + 0.00 New Balance --?? -- - --? $10,09092 See Interest Charge Calculation section following transactions for detailed APR information Credit Line $10,300.00 Credit Line Available $209:00 Cash Advance Credit Line $5,200.00 Cash Advance Credit Line Available $209.00 You may be able to avoid Interest Charges, see Additional Important Information For details. Cashback Bonue Anniversary Month April Opening Cashback Bonus Balance $ 2.22 Now Cashback Bonus This Period + 0.17 Cashback Borws Balance $ 2.39 To learn more, log in of www.Discover.com page 1 of 2 Payment Information New Balance $10,090.92 Minimum Payment Due $242.00 Payment Due Date July 18, 2010 Late Payment Warning: If we do not receive your minimum payment by the dote listed above, you may have to pay a Iola fee of up to $39.00 and your purchase APRs for new transactions may be increased up to the Penally APR of 17.99% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance- For example: 1F you figka no ' Ypu willpayoff "` A,td you wt)I end.>:' d -iJ." it charges thabofpnce shown up payiragan sing tMacard46xf onPubs;stateme if wsl mated fetal of> . : adt mG?ftll yell pay [n gb6tit .. . Only the minimum 17 years $15,774 payment $307 3 years 11,OSd (Savings = $4,720 ) If you would like in€ormotion about credit counseling services, call 1-800.347.1121 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com I Access your account securely at www.Discover.com - Access free online tools like Paydown Planner to create a plan 2. Call 1.800-DISCOVER (1.800.347-26831 Please have our Discover® card avoilob e to pay down your balance, securely access statements, pay b d l l l y . 3. Write to us at Discover PO Box 30943 i ls on ine an easi y track all transactions , , Salt take City, LIT 84130 {Not a payment address) Make worth more l-find easy to earn monoy y ways our For payments, please send to address on remittance or and redeem worths cash Discover PO Box 6103, Carol Stream, It 60 1 976 1 0 3 NEW! Access your account securely through your for TDD (felecommunications Device for the Deal) mobile phone assistance, please call 1.800-347-7449. Transactions Trans. Post Pow Date Payments and Credits Jun 17 Jun 17 INTERNET PAYMENT THANK YOU $ -245.00 Gasoline May 22 May 24 HESS 38358 CARLISLE PA $ 13.51 May 24 May 24 HESS 38358 CARLISLE PA 40.00 supermarkets May 23 May 24 GIANT FOOD #112 CARLISLE PA 14.87 000122 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC*VER Paperless statements mean less clutter, more convenience j Easily access up to 24 months of downloadoble, password protected statements. ' i l - 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 messoges on your mobile phone. ?I ,ra) o paper copy of your stotement anytime. Sign up today at Discoveccom/paperless I i l (02010 Di-- Bunt, M-b. FDIC _ PAPER-W 10 Transactions z Trans. Post Z M (cont.) Dote Data o O 0 0 Foos TOTAL FEES FOR THI5 PERIOD $ 0.00 A T N Interest Charged INTEREST CHARGE ON PURCHASES $ 11.06 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 31.35 TOTAL INTEREST FOR THIS PERIOD 42.41 2010 Totals Year-to-Date TOTAL FEES CHARGED IN 2010 $ 0.00 TOTAL INTEREST CHARGED IN 2010 214.49 9071114 Questions? Visit www.Discover•com or DISCOVER toll 1-800-DISCOVER (1.800-347.2683). ®`SCQVEQy L Irpaysw I SNEILAEARHART ( 1C S?TVER Account number ending in 6577 page 2 of 2 interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing period; 31 days TYPE OF BALANCE ANNUAL PERCENTAGE BAL SST RATE TO INTEREST CHARGE Purchases 12.99% V $1,003.68 $11-06 Cash Advances 23-99% $0 $0 Balance Transfers 3,99% $9,255.08 $31.35 V = Variable Role Ao'ditional imprxtant Infannction See your Cardmomber Agreement. Your Cordmember Aoreemeni conla:ns oil !?e lerms of your Account. Lost or stolen cards. Report immediolelyl Call 1-800-347-2683. What To Do If You Think You find A Mistake On Your Statement - l[you think there-is an"enor on your statement; write to vs at: Discover, -PO Box30421- -Sal Lake City UT 8A 1-30-0421 - - In your letter, give us the following information: Account information: Your name and account number. Dollar amount: The donor amount of the suspected error Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is o 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 Ike amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limif, Your Rights If You Are Wssatisired With Your Credit Cord purchases If you are dissatisfied with the goods or services that you have purchased 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: 1 The purchase must have boon made in your home state or within 100 miles of your current mailing address, and the purchase price most hove been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase- Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have Fully paid for the purchase. If ad of the criteria above are met and you are stiff dissatisfied with the purchase, contact us in writing cit.- Discover . PO Box 30945, Salt Lake City, UT 8413(109.65 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 on amount and you do not pay we may report you as delinquent. Payments. Send only your payment and the top portion of this statement in the envelope rovided. Do not sand cosh. By sanding your check as described above, you authorize us to use information on your chepck to make an electronic fund transfer Gam yyour account at the financial institution indicated on your check or to process the payment os a check fransoclion- Il payment is processed os an electronic fund hansfer, the hansfer wi8 be for the amount of the check_ When we use information from your check It make an electronic turd transfer. funds may be withdrawn from your account as soon as the same day we receive your payment, and you win not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the poymenl to any other address or iF you use an envelope other than the one provided. Payments recervad in proper form al our processing facility by 5PM Local time on any dayy will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as a£ the next day. ff you have misplaced your envelope, sand your payment to Discover PO Box 6103 Coro, Stream197_61 IL 60 1 03- Please allow 7-10 days for delivery. If your payment rs returned unpaid, we reserve the rig?it to msu6mit it as an electronic debit. You con poy your minimum payment or a greater amount over the telephone, and you can set up automatic payments. Call us at 1-800347-2683. You will need this statement and your bank account information. You must ensure that sufficient funds are available in your bank account, and all transactions most comply with U.S. low. You will be asked to provide the first 5 digits of your account statement ZIP code. By entering those numbers as yyoour electronic signafure, you will 6a aElreeing to this authorization to allow us and your bank to deduct each payment you authorize from your hank account, and to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You must tell us the amount of each payment or you can seiieoeeI an amount such as the Minimum Payment Due or the New Balance on each statement. You can " of a poymanh however we must receive notice at least three business days in advance of the scheduled payment. You may notify us by phone at i-800.347--2683 or by mail at the address listed in the previous par?gropb. It your payments vary in amount, we will tell you on each monthly statement when your payment will be made and haw much it wine. Your automatic payment amount may be less than indicated on the monthly statement based on credits or payments applied during the billing cycle. We may report information about your Account to credit bureaus. Leto payments, missed payments, or your Account may bo reBected in your credit report. We rwrmalfy report the status and payment history of your Account 1o cradq reporting agencies each month. If you believe that our rapori is maccurata or incompblo, please write us of the following address: Discover, PO Box 1531 b, Wilmington, DE 19850.3316. Please indicate yaw name, address, home tetephone number and Accounf number NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paying Interest We begin to impose Interest Charges on all transactions from the Transaction Date for the transaction shown on your billing statement, unless a transaction is posted to your Account after the close of the billing period in which it occurs, in which case we begin to impose interest charges on that transaction from the first day of the billing parrot in which it is posted to your Account We continue to impose Interest Charges until the date you pay your entire New Balance shown an . your billing statement by making payments or receiving credits. If you paid the New Balance on your previous billing t h ih ! billi ill t i I b h P D D Ch , we w ate s own on o ng statemen no mpose nterest statement y t e ayment ue arges on new ppuvrrchases, that is, purchases first appearing on the current billing statement, or any portion o a new purchase, paid by the Payment Due Date on your current bitting statement. We call this the 'grace period.' It is not less than 25 days. There is no grace period on balance transfers or cosh advances. As more fully described to the section of your Cardmember Agreement titled "How We Apply Payments," we general apply payments to your Account based on the APR applicable to the balance of each transaction cate This means of if you do not pay the New Balance on the current billing statement by the Payment Due gory. l f h d d h d h h ing statement, t ing on t e amount o your payment an own on that bil en, epen t Date s e APRs on other balances, you may not get a grace period on new purchases. Minimum Interest Charge. We will chorge you a minimum Interest Charge of $ 50 for any billing period in which Inte-est Charges of less than $.-50 woulq otherwv^e .,e impocec?_ Annual Fce. If your Ac-ow f;os an cnn.al fee, it will I;e 61W of thr; Inairnin cf each onr.i-rsory year voor Account is The omount of the fee appears on the statement when the fee is b) led the annual fee is not refundable unless en o ou , . p y notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the fee is billed. You will receive this refund even if you use your Card during that period. -- How-We CiV6iiite Interest Charges Daly Balance Moii4itl"(including cuirunt tratisactiotrs): We Figure Interest Cb6q es for each billing period. To do lhis; We calculate your Interest Charges separately for each balance subject to different terms (for example, standard purchases, standard cash advances and each purchase, valance transfer and cash advance balance subject to promotional terms), We refer to these balances as transaction categories. We figure the "daily balance" for each transaction category. To get the "daily balance" we take the beginning balance for each day, add any new transactions and fees and any Interest Charges accrued on the previous day's p daily balance. We then subtract any, credits and payments and make other adjustments (including those ad"ustmts required in the section trNed "Paying, Ierest")- In calculafirx9 the daily balance for the first day of the eneriod we consider the " billin revious da 's doil balance" to have been our balance on the l t d f m o p y y g p , y as ay o your previous baking period. This gives us the daily balance for each transaction category- We figgure tho Interest Charges on your Account by multiplying Ike daily balance for each transaction category by o its daperiodic rata, for each day to the billing period- The total Interest Charges for the biking period are the sum of the daily Interest 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 Dote shown on your billing statement, unless the transaction is posted to your Account after the close of the billing period in which it occurs, to 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- All t t dd d t h t d d h i h h f h d f to your Accoun are o o t an ar purc ransaction category w t t ees c arge e e s ase e exception o Cash Advance Fees which are added to the applicable cash advance transaction cotegory and Balance Transfer Fees which are added to the applicable balance transfer transaction category- Foreign Currency fee: 2% of the U.S, dollar amount of each purchase made in a foreign currency- Penalty APRs: Each time you foil to make o payment when due, we may, in accordance with applicable law, (i) terminate the availability of any introductory/promotional AP s on new transactions and (ii) increase your APRs for new transactions to variable Penally APRs which will be determined by adding up to an additional 5 rcentage points to the otherwise applicable d h d l d d b h fa etermine ase on your creditwort iness an ot APR. Your Pena ty APR is er ctors such as your current APRs, and your h d f h l f account istory. If your APRs or new transactions are increase or a late payment, t e Penalty APRs wi l apply indefinitely, For TDD (Telecommunications Device for tiro Deal) assistance, please call I-SOG-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discoverocard is issued by Discover Bank, Member FDIC 01TBK 172 9071114 Questions? Visit www-Discover.com or ®oJcC?VER cal) 1.800-DISCOVER (1-800-347-2683). ®ISCOVE9 New Balance Minimum Payment Due $10,170.57 $486.00 Payment Due Date August 18, 2010 23 SOSN6A07 0004513 SHEILA EARHART 45 OAK PARK AVE CARLISLE PA 17015-9262 ,2010 PO BOX 71084 11111 tl It f. 01 CH7RLUT7E NC 28272-1084 Addles,, -m-a of NrI-pilone ?l,o,ry z ir,Gf?;,LrrIJI, , LrI,L„f; 1i1 11 'Ilk 11 C,o to www.Giscowr.<om or print cnunge it sFacs above. 000001986453579141474Z0170S?0000000004b6CJ.0 Opening Date: June 24, 2010 - Closing Date: July 23 Discover More Card Account Summary Account number ending in 6577 Previous Balance S 10,09092 Payments And Credits 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged + 40.65 Fees Charged + 39.00 New Balance .^---_- -I 10,17057 See Interest Charge Calculation section following transactions for detailed APR information Credit line $10,300.00 Credit line Available $0:00 Cash Advance Credit line $5,200.00 Cash Advance Credit Line Available $0.00 You may be able to avoid Interest Charges, see Additional Importont Information for details- Cashback Bonuse Anniversory Month April Opening Coshba k Bonus Balance $ 0.00 New Cashbock Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 T. trnm m-, log in w v .Diwovencom Account Number ending in 6577 Enter Amount Enclosed Below Please make check paya6leto Discover Card. Minimum payment due includes a past due amount oF$242.00. Phone and internst payments must be made 6y 5:00pm ET for some day stin ppo M pa&rless and make your account information more secure with password- protected statements only you can access. Learn more at discovercom/papertess. page 1 of 2 Payment Information New Balance $10,170.57 Minimum Payment Due' $486.00 Payment Due Date August 18, 2010 'Includes past due amount of $242.00 Leta Payrrmni 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 far new transactions may be increased up to the Penalty APR of 17.99% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If you would like information about credit counseling services, call 1-800.347.1121 If y4a ntcjcn rra You:will pay off the .t4rid?yAU yvrlt?iid' dda~rrmol charges; balar?e shownrorr u'p?ppizt?Km, n ad stng,?t?card lhrys stalem+ir+t tri: esirmafed3otalo? cls?tonfh you pay at?Otrf < Onlythaminimum 17 years $75842 payment Sob Late City, UT 84130 (Not a payment address) Make your money worth morosM-Find easy ways to earn for TDD (Telecommunications Device for the Deaf) mobile phone 907-4444 Transactions Date Date TOTAL FEES FOR THIS PERIOD 39.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 10.83 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 29.82 3 Easy ways to Contact Us Manage Your Account Online at www.Discover.com 1 Access your account securely of vrww.Discowr.com Access free online tools like Paydown Planner to create a plan 2, Coll 1-804DISCOVER (1-800-347-2683 Please have our DixoverO card vailab e to pay down your balance, securely access statements, pay b l d l k ll y . a ills on ine an easi y trac a transactions 3. Write to us of Discover, PO Box 30943, For paymerds, please send to address on remittance or and redeem cash rewards Discover. PO Box 6103, Carol Stream, IL 601 97-6 7 03 NEW! Access your account securely through your assistance, please call 1-804347.7449. Trans. Post Fees Jul 18 Jul 18 LATE FEE $ 39.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downtooda6le, password protected statements. j • 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. Pur,! a paper c, Fpy of your siolemenl anytime. Sign up today at Discover_com/popedess i i W010 Dix- Bonl, Member FDIC Transactions Trans. Post (cont ) Data Data Interest Charged TOTAL INTEREST FOR THIS PERIOD 2010 Totals Year-to-Date TOTAL FEES CHARGED IN 2010 TOTAL INTEREST CHARGED IN 2010 9071114 I O Z A O O O G S 40.65 w O O $ 39.00 255-14 Questions? Visit www-Discover.com or ??S?® e/ ER call 1 .800-DISCOVER (1.800-347-2683). DISCOVER 0 pays to Ac ount nu beer ending in 6377 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate {APR( is the annual interest rate on your account. Current Billing Period: 30 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE (APRI INTEREST RATE Purchases 12.99% V $1,014.62 $10.83 Cash Advances 2199% $0 $0 Balance Transfers 3-99% $9,495.91 $29.82 V Variable Rote Ar;da mrn In {ortont Infornotion S.+i. yuur r--dr-6., Ayreamenr. Your Cardmrmuer Ayre m-4 conicins o11 Iho leans of your Account. Lost or stolen cords. Report immediotely? Call 1-800-347-2683. What To Do If You Think You Find A Mistake On Your Statement Tf you think there is-6 n error on your statement; write -to us dt: Discover PO 116; 00421, 5alt-Lake City, UT 84130.0421 !n your letter, give us the following information: Account information- Your name and account number. - Dollar amount: The dolor amount of the suspected error. Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statemenf, 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 queslron, While we investigate whether or not there has been an error. the following are true: We cannot fry to collect the amount in question, or report you as delinquent on that amount. The chwge in question may remain on your statement, and we may continue to charge you interest on fhaf amount. 8ut, if we determine that we made a mistake, you wig not have to pay the amount in question or any interest or other Fees related to that amount. While you do not have to pay the amount in question, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit, Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissotisfied with the goods or services that you have purchased with your credit card, and you have tried inue good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount d 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 WD miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you or iF we own the company that sold you the goods or services,( 2. You must have used your credit card for the purchase. Purchases mode with cash advances from an ATM or with a check that accesses your credit card account do not qualiFy. 3. You must not yet have fully paid for the purchase: If all of the criteria above ore met and you ore still dissatisfied with the purchase, contact us in writing at: Discover. PO Box 30945, Solt Lake City, UT 841340945 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. Paymenh. Send only your payment and tha top portion of this statement in the envelope provided. Do not sand cash. By sending your check as desrnbed above, you authorize us to use information on your check to make an electronic fund Transfer from yyour account at the financial institution indicated on your check or fo process !ha payment as a check transaction. ft payment is processed as an al l 'antc fund transfer, the transfewill be For the amount of the check. When we use information from your check to make an electronic fund transfer funds maybe withdrawn ham your account as soon as the some day we receive your payment, and you will not receive your check 6r. k from your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day. Paymnts received at our processing facility after 5PM local time will be credited to your Account as of the next day, if you hove misplaced your envelope, send your payment to Discover, PO Box 6103 Carol Stream, IL 60197.6103. Please allow 7.10 days For delivery. If your payment is returned unpaid, we reserve the riq(t to resubmit it as an electronic debit. You can pay your mintmum payment or a greater amount over the telephone, and you can set up automatic payments. Call us of 1-800-347-2683. You will need this statement and your bank account information. You must ensure that sufFicient funds are available in your bank account, and all transactions must comply with U.S. low. You will be asked to povide the first 5 digits of your account statement Z1P code. %d entering those numbers as your electronic si?tature, you will rbe agreeing to this authorization to allow us and your bank to uct each payment you authorize from your bank account, and to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You must tell us the amount of such payment or you can select an amount such as the Minimum Paymerd Due or the idew Balance on each statement. You can cancel a eynt; however we must receive notice at least three business days in advance of the scheduled payment. VOL may nett us b phone at 1.800-3.47-2683 or by mail at the address listed in the previous pon3graph, it your payments vary to amount, we will tell you on each monthly statement when your payment will be made and how much it wit ba. Your automatic payment amount may be less than indicated on the monthly statement based on credits or payments applied during the bit mg cycle. C{?q>?g. We may report information about your Account ion credit bureaus, late payments, missed payments, or o s on your Accourd may be reflected in your credit report, We normally report the stnlus and payment history of your Account to credit reporting agencies each month. tf you be it eve fhot our report rs rnaccurale or incompfate, please write us at the following address: Discover PO Box 15376, Wilmington, DE 14850-5316. Please indicate your name, address, home telephone number and Acount number NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC* V El[ Paying Fntai 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 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 you pay your entire New Balance shown on your b-tliing statement by making payments or receiving credits. If you paid the New Balance on your previous billing statement the Payment Due ate shown on that billing statement, we will not im se Interest Charges on new purc ses that is, pvrc gas First a gearing on the current 6ilfingg statement, or an? portion o anew ppuvrchase, paid by the Payment Due Date on your current bitp fing statement. We call this the "grace period. It is not less than 25 days. There is no grace period on balance transfers or cash advances. As more Fully described in the section of your Cardmember Agreement trued "How We Apply Payments," we generally apply payments to your Account based on the APR applicable to the balance of each transaction category. This means that if you do not pay the New Balance on the current billing statement by the Payment Due Date shown on that billing statement, then, depending on the amount of your payment and the APRs on other balances, you may not get a grace period on new purchases. Minimum Interest Charigo. Wu will charge you a minimum Interest Charge of $.50 for any billing period in which Interest Charges of less Ikon $ ?0 would olborwise be imposed. Annual Fee. If your Account has an annual fee, it will be billed at the beamwr, of each o:mwe+:.ary veur yoar Account is open The amount of the fee appears on the statement when the fee is billed. The annual fee a not refundable unless you notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the fee is billed. You will receive this refund even if you use your Card during that period, -- Ffovi We C.ulr:ulataErferest Cho "s DdrfY"BBfanceWle h6 riicudfri"9current transactions);- We Figure InterestCharges for ? each billing period. To do this: We calculate your Interest Charges separately for each balance subject to different terms (for example, standard purchases, standard cash advances and each purchase, balance transfer and cash advance bounce subject to promotional terms). We refer to these balances as transaction categories. We figure the "daily balance" for each transaction category. To gat the "daily balance" we take the beginning balance for each day, add any now transactions and fees and any Interest Charges accrued on the taus day's p m daily balance. We than subtract any credits and payments and make other adjustments (including tprev adjustments required in the section titled "Paying Interest"). In calculating the daily balance for the first day of the o billing period, we consider the "previous day's daily balance" to have been your balance on the last day of your o previous billing period. This gives us the daily balance for each transaction category. o We figure the Interest Charges on your Account by multiplying the daily balance for each transaction category by its daily periodic rate, for each day to the billing period. - The total interest Charges for the billing period are the sum of the doily Interest Charges for each transaction n category For each day during that billing period. a When we calculate daily balances, we add a new transaction as of the Transaction Date shown on your billing statement, unless the transaction is posted to your Account after the dose of the bffling 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, All fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Fees which are added to the applicable cash advance transaction categoryand Balance Transfer Fees which are added to the applicable balance transfer transaction category. Foreign Currency Fee: 2% of the U.S. dollar amount of each purchase made in a foreign currency. Penalty APRs: Each time you fait to make a payment when due, we may, in accordance with opplicable law, (i) terminate the availability of any introductory /promotionol APRs on new transactions and (ii increase your APRs for new transactions to variable Penalty APRs which will he determined by adding up to an ac?ditiona?5 percentage points to the otherwise applicable APR. Your Penalty APR is determined based on your creditworthiness and other fctors such as your current APRs, and your account history- IF your APRs for new transactions are increased for a late payment, the penalty APRs will apply indefinitely. For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800.347-7449, Discover may monitor and/or record telephone calls between you and Discover representatives for clualily assurance purposes. The Discoverocard is issued by Discover Bank, Member FDIC OITBK 172 Information For You " * * ATTENTION Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. 9071114 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER 1-800-347-2683). New Balance I Minimvm Payment Due I ®ISC VEW $10,238.22 i 5731.00 Payment Due Date September 18, 2010 23 SDSN6A01 0004514 SHEILA EARHART 45 OAK PARK AVE CARLISLE PA 17815-9262 Account Number ending in 6577 Enter Amount Enclosed Below $1 Please make check payable to Discover Card. Minimum payment due includes a post due amount of $-086,00- Phone and internst payments must be made by 5:00pm ET For same day posting. Go paperless and make your account information more secure with password- protected statements only you can access- Learn more at discover.com1paperless. PO BOX 71084 IIlrr,ilrurrltlr,ILrLlri CHARLOTTE NC 28272-1084 NC1?'??e3?, 9?ni(]II Cf !ei<.pf??;nLi Cr1anC(:G ?I1 lllilllll ltlll]I?fil tl l111111?1i tl ilil ?Illlll 1111 lllflil?l C;o fo vrww.Dis<oror.?om ur crint chcngn in :pace above. 0013001986453579141414102382200000000073100 Opening Date: July 24, 2010 - Closing [late: August Discover More Card Account Summary Account number ending in 6577 Previous Balance $10,170.57 Payments And Credits 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged + 42.65 Fees Charged + 25.00 New Balance $10,238.22 See Interest Charge Calcutotion section following transactions for detailed APR information Credit Line $10,300.00 Credit Line Availa6le $0.00 Cash Advance Credit Line $5,200.00 Cash Advance Credit Line Available $0.00 You may be able to avoid Interest Charges, see Additional Important tnformation for details. Cashback Bonus" Anniversary Month April Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Casfsback Bonus Balance Toleor„ more, tog inai www.Discoveacom !s, ZV t V page t or z Payment Information Now Balance $10,238.22 Minimum Payment Due" $731.00 Payment Due Date September 18, 2010 'Includes past due amount of $486.00 Leto Payment Waring: 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 tronsler APRs for new transactions may be increased up to the Penalty APR of 17.99% variable. Minimum Payment Warning: IF you make only the minimum payment each period, you will pay more in interest and it will fake you longer to pay off your balance. For example: IF you would like information about credit counseling services, toll 1-800-3.47-1121 fyQUke-ate YouY+.iN payo?,tf1e Artt?'ys?p?N end" s ddd'w? Fbarges baikxlre s?te?rn vA b?3'rt9 at! tngY?iius. ,cared' `QCrd' . th?l;xtali?merrt to gsymnled tpfal ai; ,.: , alaouf Only the minimum 17 years $15,882 payment assistance, please cab 1-8003Q7-7449. 9071444 Date Date 3 Easy Ways to Confect Us ^ianaga Your Account Online at www.Discover.com 1 Access your account securely at www.Discover.com Access frog online tools like Paydown Planner to create a plan 2. Call 1.800-DISCOVER (T-800.347-2683) Please have your Dis<overW card available. to pay down your balance, securely access statements, pay bills online and easily track all transactions 3. Write to us of Discover, PO Box 30943, Salt lake City, UT 84130 (Not a payment address) Make your money worth more?'^-find easy ways to earn For payments, please send to address on remittance or and redeem Cash rewards Discover. PO Box 6103, Corot Stream, ti 60147.6103 NEW! Access your account securely through your For TDD (Telecommunications Device for the Deal) mobile phone Transactions Trans. Post Fees Aug 18 Aug 18 LATE FEE $ 25.00 TOTAL FEES FOR THIS PERIOD 23.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 1 1.7.4 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 30.91 NOTICE; SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC*VER I Paperless statements mean less clutter, more convenience f Easily access up to 24 months of downloodable, possword protected statements. I • 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. f l • Prinl e :-,a;;er copy of ;our sicten:ent G^y'irne. Sign up lodoy ?1 Discover_com/paperless s 1 x2010 Dlsco-c 8o L, Member FDIC PAPER.0310 Transactions Trans. Post (cont.) Date Date Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 42.65 2010 Totals Year-to-Date TOTAL FEES CHARGED IN 2010 $ 64.00 TOTAL INTEREST CHARGED IN 2010 297.79 9071114 N O z m D 0 0 0 P P n 0 Questions? Visit www.Discover.com or DISCOVER call 1.800-DISCOVER {1 •800-347-26831. DISCOVER frpoysro SHEILAEARHART DISC?,.1 i[ Account number ending in 6577 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR( is the annual interest rate on your account. Current Billing Period: 31 days TYPE Of SAtANCE ANNUAL PERCENTAGE BALANCE SUBIECT TO INTEREST CHARGE RATE(APR) INTEREST RATE Purchases 12.99% V $1,064.89 $11.74 Cash Advances 23.99% $0 $0 Balance Transfers 3,99% $9,126.29 $30.91 V n Variable Role Addrlronal IneUOetani Information Sea your Cardrno*r;b- Agreement. Your Ca dmea;bar Agreement contains all tiro !arms of your Account. Lost er stolen cards- Report immediofeiyl Call 1-800-347-2683- What To Do If You Think You Find A Mistake On Your Statement - - -- - -- --- !f you think there is an error on your statement, write to us at: Discover- PO Box 30421, Sal! Lake City, UT 84130A421 In your lelfer, give us the following information: Account information: Your name and account number. Wlar amount: The-dollar amount of the suspected error. Description of Problem; if you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question- While we investigate whether or not there has been an error. the following are true: We cannot try to collect the amount in question, or report you as delinquent on that amount. - The charge in reslion ma remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in goad faith to correct the problem with the merchard, you may have the right not to pay the remaining amount due on the purchase. To use this right, oil of the following must be true: T The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services.) 2. You most have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check thei accesses your credit card account do not quality. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Discover. PO Box 30945, Solt fake City, UT 84130A945 White we investigate, the some rules apply to the disputed amount as discussed above. After we finish our investigation, We will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Payments. Send ordy your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your check as described aboveu authorize us to use information on your check to make an electronic fund transfer from Your account at she financi, yoal institution indicated on your check or to process the payment as a check transaction. It payment is processed as an electronic fund transfer the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the some day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you sersd the payment to ar+y other address or if you use on envelope other than the one provided. Paymonls recorved in proper ocessing facility by 5PM local time on any dayy wiB be credited to your Account as of that day. Payments form of 'P' received of our processing facility after 5PM focal time will ba credited to your Account as of the next day. if you have misplaced your envelope, send your payment to Discover, PO Box b l03 Carol Stream, fL 60 1 97 6 1 03. Please allow 7 10 days For delivery . IF your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. You can pay your minimum payment or a greater amount over the telephone; and you can set up automatic payments. Coll us of 1.800-347-2683. You will need this statement and your bank account information. You must ensure that sufficient funds are available in your bank account, and all transactions must cam ply with U.S. law, You will be asked to provide the first 5 digits of your account statement ZIP code. 7.d entering those numbers as your electronic signature, you will be agreeing to this aoilhanization to allow us and your bank to uct each payment you authorize from your bank account, and to in itiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You must tell us the amount of each payment or you can select an amount such as the Minimum Payment Due or the ew Balance on each statement. You can tonal a payment; however we must receive notice at least three business days in advance of the scheduled payment. You may roll us by phone at 1.800347-2683 or by mail at the address listed in the previous Paraggrraph. It your payments vary to amount, we will tell you on each monthly statement when your payment will be made and !cow much it will be. Your outomalic_payment amount may be less than indicated on the monthly statement based on credits or payments applied during the billing cycle, ,'e?yY?,y?,, We may report information about your Account to credit bureaus. tate payments, missed payments, or oil de ues err your Account maybe reflected in your credit reps. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that out reportis inaccurate or incomplete, please write us at the following address: Discover PO Box 15316, Wilmington, DE 198505316. Please indicate your name, address, home telephone number and Account number NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC*VER Paying Interest. We begin to impose interest Charges on all transactions From the Transaction Date for the tronsaction shown on your billing statement, unless a transaction is posted to your Account after the close of the billing period in which it occurs, in which case we begin to impose interest charges on that transaction from the first day of the billing period in which it is ose Interest Charges until the dote you pay your entire New Balance shown on We continue to im t A t d p . ccoun to your pos e your billing statement by making paymeris or receiving credits. If you paid the New Balance on your previous Winn$g statement b the Payment Due bate shown on that billing statement, we will not impose Interest Charges on now purchases, that is, purchases firs! appeoring on the current billing statement, or any portion of a new ppurchase, paid by fhe Payment Due Date on your current billing statement. We call this the "grace period.' It is not less than 25 daysere is no brace period described in the section of your Cardmem er.Th Agreement trued "Now ore Full A h d f y s m vances. a ers or cas on balance trans We Apply Payments," we generolly apply payments to your Account based on the APR applicable to the balance of each transaction category. This means t at if you do not pay the New Balance on the current billing statement by the Payment Due you ment and the APRs on other balances our a ount of th di h d ll , p y y ng on e am epen en, ing statement, t Date shown on that bi may not get a grace period on new purchases. Kni-- 6,tan.st Cbnge. Weill charge you a rninimum Interest Charge of $-50 for any billing period in winch lnlww se<= rh irn b ld $ 0 h r a w4:a po o e at wou ies, t - Chong- o Annual Fen. It your Account has an annuoi ieu, di -I! be billed of the bagicn, q of aoch anniversary year you: Accourl vu Tha annual fee is not refundobla unless fee is billed n th h t t t h y . v a e s a emen e open . The amount of the fee appears on t notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the fee is billed. You will receive this refund even if you use your Card during that period. How We Calculate Interest Charges Dar1y llalance Method (including current transactions): We figure Interest Charges for each biAing period. To do this: We calculate your Interest Charges soparatefy For each balance subject to diFferenl terms {For example, standard purchases, standard cash advances and each purchase, balance transfer and cash advance balance subject to promotional lermsJ. We refer to these balances as hansaction categories. We figure the "daily balance" for oath transaction category. To get the "daily balance" we take the beginning u d d th t Ch d I d f in e pprevio s ays orgos accrue on ees an any ntoras balance For each dny, odd any now transactiom an ayments and make other adjustments {including IhI credits and We then subtract an b l d il 0 p y a ance. a y ad}'ustments required in Iho section tided "Paying Interest"?, to calculating the daily balance for the First day of the bitting perwe consider tha "previous day's daily balance' to have been your }valance on the last Joy of your Z D o previous brlli period. This gives as the deity balance for each transaction category. We figure the Interest Charges on your Account by multiplying the daily balance For each transaction category by its daily periodic rate, for each day in the billing period. The total Interest Charges for the billing period are the sum of the daily Interest Charges for each transaction n category for each day during that billing period. o When we colcvWe daily balances, we odd 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 ll h d it is poste to your Account. A transaction will be added to the daily balance as of the first day of the billing period in whic fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance and Balance Transfer Fees which are added to or licable cash advance transaction cate the a d t hi dd F h g y pp o c are a e ees w the applicable balance transfer transaction category. Foreign Currency Fee: 2% of the U.S. dollar amount of each purchase made in a foreign currency. Penalty APRs: Each time you foil to make a payment when due, we may, in accordance with applicable law, (i) terminate the availability of any introductory/promotional APRs on new transactions and {ii increase your APRs for new transactions to variable Penalty APRs which will be determined by adding up to an additional'5 percentage points to the otherwise applicable APR. Yaw Penalty APR is defermined based on your creditworthiness and other factors such as your current APRs, and your account history. It your APRs For new transactions are increased for a late payment, the Penalty APRs will apply indefinitely, for TDD (Telecommunications Device for the DeA assistance, please calf I-$00-347-7444. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discoverocord is issued by Discover Bank, Member FDIC O ITOK 172 Information For You "" ATTENTION •" We previously requested the post due amount on your account. We have no record of receiving payment. The amount due should be paid of once. 9071114 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). DISCOVER Now Balance Minimum Payment No $10,316.39 5978.00 Payment Due Date October 18, 2010 23 SDSNGA01 000451$ SHEILA EARHART 45 OAK PARK AVE CARLISLE PA 17015-9262 Addrrs-, o-o,i w t?iophona charge? Go in. www.Dis<ovor.com or print chonge in space cbove. Account Number ending in 6577 Enter Amount Enclosed Below` $1 I Please make check payable to Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $16.39, Go paperless and make your account information more secure with password- protected statements orgy you can access- Learn more at discover.comfpaperless. PO BOX 71084 11111111,xtrr1+1.1111,1.1.1 CHARLOTTE NC 28272-1084 0000019864535791414147x03163900000000097800 Opening Date: August 24, 2010 - dosing Dale: September 23, 2010 Discover More Card Account Summary Account number ending in 6577 Previous Balance $10,238.22 Payments And Credits 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged + 43.17 Fees Charged + 35.00 New Balance - -- -- -- 10316.39 See Interest Charge Calculation section following transactions for detailed APR information Credit Lane $10,300.00 Credit Line Available $0:00 Cash Advance Credit Line $5,200.00 Cash Advance Credit Line Available $0.00 You may be able to avoid Interest Charges, see Additional Impadant Information for details. C 3shback Bonus` Anniversary Month April Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Coshbacic Bonus Balance 0.00 To ". -, log in m www.Dkcover cem page 1 of 2 Payment Information New Balance $10,316.39 Minimum Payment Due' $978.00 Payment Due Date October 18, 2010 'Includes past due amount of $731.00 Lott Payment Warning: If we do not receive your minimum payment by the date listed above, you moy have to pay a fate 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 17.99% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you lodger to pay off your balance. For example: payment if you would like information about credit counseling services, call 1-800-347-1121 f yaulrrokas na Younvili pay off ttte iutd:?nott wall atld dditlorigtcflolgb5 bgkari?e sho'Svn are yitt?'em sang,?thas card and' lhls stalBmeXlt an ?ajtod Total-:iE, hnrtorith yo<x ?y about: Only the minimum 17 years $15,939 for payments, please send to address on remittance or and redeem cash rewards 9074144 Transactions Fees Sep 18 Sop 18 LATE FEE $ 35.00 3 Easy Ways to Contact Us Manage Your Account Online of www.Discover.coTn 1 Access your account securely at www.Discover.com - Access free online toils like Paydown Planner to creole a pion 2. Cal 1-804D15COVER (1-800-347-2683) Please have your Discover®card available. to ?y down your balance, securely access statements, pay bil s online and easily track all transactions 3. 'JVrito to-us at Discover, PO 8ox.30943, Sah Lake City, UT 84 T 30 (Not a payment address) Make your money worth moresM-find easy ways to earn Discover, PO Box 6103, Carol Stream, 1160197.6103 - NE W1 Access your account securely through your for ?DD {Telecommunications Device for the Deaf} mobile phone assistance, please toll 1.800.347-7449. Trans. Post Date Date TOTAL FEES FOR TF85 PERIOD 35.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 12.15 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 31.02 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER r Paperless statements mean less clutter, more convenience j Easily access up to 24 months of downloodable, password protected statements. E See your statement as soon as it's ovailable rather than wait for it to arrive in your mailbox- Got helpful payment reminders through e-mail or text messages on your mobile phone. i Pint o ceder copy of your s-lement anytime i Sign up today al Discoveccom/paperless I I (02010 Discover BaA, M..her FDIC PAPER.0310 Transactions Trans. Post (cont.) Date Date Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 43.17 2010 Totals Year-to-Date TOTAL FEES CHARGED IN 2010 $ 99.00 TOTAL INTEREST CHARGED IN 2010 340.96 9071114 D Z F 0 0 0 A N x X V Questions? Visit www.Discover.com or DISCOVER call 1.800-DISCOVER (1 -800-347-2683). DISCOVER 11 Pay, to SHEILA EARHART ?ISC€3Vf _ Account number ending in 6577 Me 2 of 2 Interest Charge Calculafion Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 31 days TYPE OF BALANCE Purchases Cash Advances Balance Transfers V Variable Rate Addi -1 la,p-t-t 6,formution See your Cardmember Agreement. ANNUAL PERCENTAGE RATE (APR) 12,99% V 2199% 3-99% BALANCE SUH7ECT TO INTEREST RATE $1,101.83 $o $9 157-25 INTEREST CHARGE $12.15 $O $31.02 Your Cardmember Agreement contains all the terns of your Account, Lost or stolen cards. Report immediately! Call 1-800-347-2683. What To Do If You Think You find A Mistake On Your Stolement - - . - ---------- --------- --- If you think there is on error on your statement, write to us al. -Di-scover, PO Box-3042 1 Soft Lake City, UT 84i 30'0421 In your letter; give us the Following information: Account information. Your name and account number. Dollar amount: The dollar amount of the suspected error Description of Problem: If you think 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 otter 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 arrars 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 coiled the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Your Rights H You Are Aissatisrsed With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to carted the pro m with the merchant, you may hays 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 boon made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Notr: Neither of these are necessary if your purchase was based on on advertisement we mailed to you or if we own the company that sold you the goods or services.) 2. You must have used your credit cord for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase: If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing a": Discover, PO Box 30945, Sall Lake City, UT 84130.0945 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision- At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Payments. Send only yaw payment and the top pportion of this statement in the envoiope provided. Do not sendcaste. By toni sending your check as doscnbed eyou authorize us to use inFormation oxi your check v make ym on ale- check hIn transfer from yyour account rAthe finonc!'an l istitution or cated on your check to process the paent as o check Fransaction. fF payment is processed as an electronic Fund hansfer, the transfer will be For the amount of the check. wa use information from your check to make an olrtctronic fund transfer, funds maybe wllhdrawn from your account as the same day we receive your paymerd, and you will not receive your check back from your flrancia! institution. ThTsforeed at our processing facility offer 5PM kcal time will be credited to your Accamt as of the nerd day. tF you have misplaced yyoour envelope, send your payment to Discover, PD Box b 103 Carol Stream, li 601 97 6 1 03. Please allow 7 i 0 days for delivery. !f your payment is rehirned unpaid, we reserve the rig(i1 to resubmit it as an aledronlc debit. You can pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments. Call us at 1.800 347-2683. You will need this statement and your bank account information. You must ensure that sufficient Funds are available in your bank account, and all fransoctions must cocap]y with U.S. low. You wNl be asked to provide the first 5 digits of your account stotemeret ZIP code. 7. enfering those numbers as r electronic signature, you will be ocueeing to this outhorizo0on to allow us and your bank to duct each payment you authorize from your bank uccoura, and to initiate debit or credit entries to your Bonk account, as applicable, to corned an error in the processing of such pa a',,' t. You must tell us the amount of each payment or you can sated" an amount such as the Minimum Payment Due or fl,e NeBalance on each statement. You can cancel a ert; however we must receive notice at feast three business days in advance of the scheduled payment, You may nett us by phone of 1.800.347-2683 or by moil at the address listed in the paragraph, It your rments vary in amount, we will tog you on each monthly statement when your paymem n willba besemd on ade and how much it wiB be. Your automatic payment amount may be less than indicated on the month y` stafeerrt credits or payments applied during the biting cycle. We may report information about yaw Account to credit bureaus. Late payments, missed payments, or o r d v i s a n y our Account may be reflected in yaw credit repport. We normally report the status and payment history of your. Account to credit reportineg agencies each month. if you believe that our repoA u inaccurate or incompfafa, please write us at the following address: Discover. PO Box 15316, Wilmington, DE 19850 5316. Ptoase indicate your name, address, home telephone number and Account number. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC®VER Paying Interest We begin to impose Interest Charges on all transactions from the Transaction Date for the transaction shown on your billing statement, unless a transaction is posted to your Account after the close of the billing period in which it occurs, in which case we begin to impose interest charges on that transaction from the first day of the billing period in which it is posted to your Account. We continue to impose Interest Charges until the date you pay your ontire New Balance shown on your billing statement by making, payments or receiving credits. If you paid the New Balance on your previous billing statement by the Payment Due te shown on that billing statement, we will not impose Interest Charges on new purchases, that is, purchases first a gearing on the current billing statement, or any portion a a new ppurchase, paid by the Paymant Due Date on your currant billing statement. We call this the "grace period. It is not less than 25 dayys. There is no Srace period on balance transfers or cash advances. As more Fully described in the section of your Cardmorn r Agreement trued "Now " we generally apply payments to your Account based on the APR applicable to the balance of aach Pa l ments We A pp y y , transaction category. This means that if you do not pay the New Balance on the current billing statement by the Payment Due Date shown on that billing statement, then, depending on the amount of your payment and the APPS on other batances, ycu may not get a grace period on new purchases. Alinimum tntc+rnst Char. We will charge you a minimum Interetl Charge of $.50 for any bilbny oenod m whirl, intr risk ' d ld h vn,pose of erwise L?t+ _ r hcrciu? of i?ss rnan $. 0 wou Armual too. IF yax Acco ,o has an annnol fee, it will be billed of the beeinn; o't aech annivar;erv ; F+or vvc. /-cCOjo i s the annual fee is not refunufcble unless -ou menl when the fee is b fled th t t f th f li t . ee appear, on e s a e o e e amoun open. nolify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which f?e fe. is billed. You will receive this refund even if you use your Card during that period- Ho-w-- IA/e Calculate irrMrsst urges Da y Bu anco Me 'Inc u mg currant transacfions : a 'gore nteres! argez or each billing period. To do this: We calculate your interest Charges separately for each balance subject to different farms (For example, standard purchases, standard cash advances and each purchase, balance transfer and cash advance balance subject to promotional terms). We refer to these balances as transaction categories. We figure the "daily balance" for each transaction category. To get the "daily balance" we take the beginning balance for each d%,, add any new transactions and fens and any Interest Charges accrued on the pravrous dayr's daily balance. We n subtract any credits and payments and make other adjustments (including tFrose l f h fi d f l h " " j o co rst ). In calculating the dai ance or t e ay o t e Paying fnterest y ba ustments required in the section tilled ad 's daily balance" fo have been your balance on the last day of your we consider the "previous da bil?in eriod rn o y gp , previous bifting period. This gives us the daily balance for each transaction category. o We figure the Interest Charges on your Account by multiplying the daily balance for each transaction category by its daily periodic rate, for each day in the billing period. o The total Interest Charges For the billing period are the sum of the daily Interest Charges For each transaction n category for each day during that billing period. When we calculate daily balances, we add a new transaction as of the Transaction Date shown on your billing statement, unless the transaction is posted to your Account after the close of the billing period in which it occurs, in which case the tronsaction will be added to the daily balance as of the first day of the billing period in which it is posted to your Account. All urchase transaction category with the exception of Cash Advance our Account are added to the standard ed to fees chor p y g fees which ore added to the applicable cash advance transaction category and Balance Transfer Fees which are added to the applicable balance transfer transaction category. Foreign Currency Fee: 2% of the U .S. dollar amount of each purchase made in a foreign cvrrency- Penalty APRs: Each time you fail to make a p ent when due, we may, in accordance with applicable low, (i) terminate the availability of any introductory/promotional Rs on new transactions and (ii) increase your APRs for new transactions to variable Penalty APRs which will be determined by adding up to or ar?ditionaf 5 ercentage points to the otherwise applicable APR. Your Penalty APR is determined based on your creditworthiness and other factors such as your current APRs, and your account history. If your APRs for new transactions are increased for a late payment, the Penalty APRs will apply indefinitely. For TDD (Telecommunications Device for the DeaQ assistance, please call 1-800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover(D card is issued by Discover Bank, Member FDIC Information For You OIIBK172 When making payments, please send a check with your payment coupon to the address we provided on your statement. This will help you avoid additional interest charges and/or fate payments, cis it can take additional time to process and credit cash payments and payments sent to a different address. The Additional important information section on your statement provides specific details. * *'r ATTENTION * * * Your account is seriously past due. Payment of the amount due and orrangemenis for future payments should be made immediately. 907111.4 Questions? Visit www.Discover.com or D?S??VE? call 1-800-DISCOVER (1-800-347-2683), DISCOVER New Balance Minimum Payment Due $10,393.77 ! 51,226.00 Payment Due Date November 18, 2010 23 SDSN6A01 0004516 SHEILA EARHART 45 OAK PARK AVE CARLISLE PA 17815-9262 Account Number ending in 6577 Enter Amount Enclosed Below $1 1 Please make check payable to Discover Card. You are overlimit, Pay the sum of the monthly minimum payment plus the overtimit amount of $93.77 Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.comlpapertess. PO BOX 71084 I I I I I J l rr s rr l r l r r l hr 1, 1 r1 CHARLOTTE NC 28272-1084 'NCC?reSS, erimoi? or t0!©phOne Ch6ft?02 1f ?1 fI111?111?llllll)Illl lltl??l111t1 r?111 ?I II ?ti1l tl ?l?l??l ll Go io www.Discover.com or print change in space above, 0000019864535793,414141D393770f1OD17fl£ID3226DD Opening Date: September 24, 2010 - Closing Date: October 23, 2010 Discover More Card Account Summary Account number ending in 6577 Previous Balance $10,316.39 Payments And Credifs 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged + 42.38 Fees Charged + 35.00 See Interest Charge Calculation section following transactions for detailed APR information Credit Line $10,300.00 Credit Line Available $0.00 Cash Advance Credit Una $5,200.00 Cash Advance Credit Line Available $0.00 You moy be able to avoid Interest Charges, see Additional Important Information for details. Coshback Bonue Anniversary Month April Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Coshbock Bonus Balance $ 0.00 T. I-m mope, log in a v .Discover.com page 1 of 2 Payment Information New Balance $10,393.77 Minimum Payment Due' $1,226.00 Payment Due Dale November 18, 2010 'Includes past due amount of $978.00 late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penally APR of 17.99% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: # yptr rgake np ' You twill pay?N the And ytib •NiN et?d. ,: addTttpttol?lrarges balance s[sown arrr up poyingvn vgfhrs:iardand: i sfa(ementsn{ _ sstlcnated#otaE;(; . rlra7lfft Q170Vt` Only the minimum 17 years $15,995 payment If you would like information about credit counseling services, call 1-800-347-1121 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com I Access your account securely of www.Discover.com . Access free online tools like Paydown Plonner to create a plan 2. Call 1-800-DI5COVER (I-SM347-2683) to pay down your bolonce, securely access statements, pay Please have your DiscoverO card available, bills online and easily track all transactions 3. Write to us at Discover, PO Box 30943, Soft Lake City, UT 84130 (Not a payment address) • Make your money worth moreStA-find easy ways to earn For payments, please send to address on remittance or and redeem cash rewards Discover, PO Box 6103, Carol Stream, IL 601 9 7-6 1 0 3 • NEW! Access your account securely through your For TDD (Telecommunications Device for the Deaf) mobile phone assistance, please call 1-800-347-7449. Transactions Trans. Post Dale Date Fees Oct 18 Oct 18 LATE FEE TOTAL FEES FOR THIS PERIOD 35.00 35.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 12.26 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 30.12 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloodable, password protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. i - Get helpful payment reminders through e-mail or text messages on your mobile phone. girt o oape•r copy of your stotemem enytirne. Sign up ioooy or Discover.conlipapel less I .2010 Discover BoA, Member FDIC PAPER.0310 - Transactions Trans. Post (cont.) Dote Data interest charged TOTAL INTEREST FOR THIS PERIOD $ 42.38 2010 Totals Year-to-Date TOTAL FEES CHARGED IN 2010 $ 134.00 TOTAL INTEREST CHARGED IN 2010 383.34 9071114 N O a 0 0 0 A m n x J Questions? Visit www.Discover.com or p?SC®VER call 1.800-DISCOVER (1 800-347-2683). DISCOVER It pays to SHEILA EARHART Account number ending in 6577 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate [APR) is the annual interest rate on your account. Current Billing Period: 30 days TYPE OF BALANCE Purchases Cash Advances Balance Transfers V : Variable Rate Aaaitional 6.,p«to n, I?lon„at;o„ Sae your Cordm nn6er Agreement. ANNUAL PERCENTAGE RATE (APR) 12.99% V 23.99% 3.99% BALANCE SUBJECT TO INTEREST RATE $1,149.04 $0 $9,187.81 INTEREST CHARGE $12.26 $0 $30.32 Your Cordmember Agreement contains ail +o terms of your Aa_ount. Lost or stolen cards. Report immediately! Call 1-800-347-2683. What To Do if You Think You Find A Mistake On Your Statement -- - ...... _ ----- I over. PO Box 30421 Salt Lakes City, UT 8A 130-0 21 you think there is an error on your statement, write to us at. Disc n your tenor, give us the following information: Account information: Your name and account number Dollar amount: The dollar amount of the suspected. error Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe 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 tail 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 fry to collect the amount in question, or report you as delinquent on that amount. The charge in question ma remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we mode a mistake, you wilt not have to pay the amount in question or any inleresf or other fees related to that amount. - While you do not have to pay the amount in question, you are responsible for Ike remainder of your balance. We can apply any unpaid amount ogainsd your credit limit. Your Rights ff You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good fofth 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: ! The purchase most have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you The goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are s6n dissatisfied with the purchase, contact us in writing at: Discover PO Box 30945, Saft Lake City, UT 8A 13409AS While we investigate, the some rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Payments. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending our check as described above, you authorize us to use information on your check to make an electronic fund transfer f am yyour occounl of the Financial institution indicated on your check or to press the payment as a check transaction. If our is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information from your check to moke an electronic fund transfer, funds may be withdrawn from your account as soon as the some day we receive your payment, and you will not receive your check back from your financial institution. The pressing o4 your payment may be delayed if you send cash, correspondence or other items with your payment, iF you at the payment !o any other address or if you use an Ie oer ththe onproidPayments eceipror at our pressing faclity SPfocl time on ilt bcredyAccount s f day. ents ived at ouprocessing facilty ottr PM Iacal timll credited to your Account as of the next day, IF you have misplaced your envelope, send your payment to Discover f O Box 6103 Carol Stream, IL 60197-6103. Please allow 7.1 O days for delivery , If your payment is returned unpaid, we reserve the I to resubmil it os an.1 dronic debit. You can pay your minimum payment or a greater amount over the telephone, and you con set up automatic payments. Can us at 1-8 347.2683. You will need this statement and your bank account information. You must ensure that sufficient funds are available in your bank account and all transactions must comply with U.S. low. You will be asked to provide the first 5 digits of your account statement 210 code. 8y entering those numbers as your electronic signature, you will 6e agreeing to this authorization to allow us and your bank to deduct each payment you authorize from your bunk account, and to mRiate debit or credit entries to your bank account, as arplicoble, to correct an error in the processing of such payment. You must tell us the amount of each paymenf or you can select an amount such as the Minimum Payment Due ar the New Balance on each statement. You can cancel a end; however we must receive notice at least three business days in advance of the scheduled payment- You may notify us by phone at 1.8043,47-2683 or by mail at the address listed in the previous paragraph. It your payments vary in amount, we will tell you on each monthly statement when your payment will be made and how much it will be. Your automatic payment amount may be less than indicated on the monthly statement based on credits or payments applied during the billing cycle. etg. We my report information about your Aeeount to credit bureaus- Late payments, missed payments, or a 0 er defau is on your Account maybe reRactad in your credit report. Wa normally report the status and payment history of your Accou41-c redit reporting agencies each month. 1F u believe that our report is inaccurate or incomplete, please write us !the Following address: Discover, PO Box 15316, ilmington, DE 198545316. Please indicate your name, address, home telephone number and Account number. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC®V ER Paying Interest We begin to impose Interest Charges on all transactions from the Transaction Date For the transaction shown on your billing statement, unless a transaction is posted to your Account after the close of the billing period in which 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 ou es until the date a our entire Now Balance shown on im ose Interest Char t ti ue t A t d t W p g y y . e con n o p y e o your ccoun pos your bill-ng sfotement by making payments or receiving credits- IF you paid the New Balance on your previous billing th t billi t i I t t Ch t ill h D D t h t t h ng s mpose n eres arges on new purc own on a , we w ases, e Payment ue a a s a emen no statement by t h id b b ll h h ing statement, or any portion o a new purc ase, pa e current y t e ayment Due that is, purchases first oppearing on t i Date on your current billing statement. We cag this the "grace period. It is not less than 25 days. There is no grace period on balance transfers or cash advances. As more fully described in the section of your Cardmember Agreement tifled "How We Apply Payments," we generally apply payments to your Account based on the APR applicable to the balance of each transaction category. This means that if you do not pay the New Balance on the current billing statement by the Payment Due Dote shown on that billing statement, then, depending on the amount of your payment and the APRs on other balance-, you may not get a grace period on new purchases. Minimum interest ChQr ggee. We ail; charge you c mini-urn iniere-' Charge of50 frr ring Lilting period in whin I"iPrI.1 Chorges of tee.-. than .i- r would otherwisa be itnr- ;- Annual Fee. if your Account has an annual tee, it will be kilied c, the beq?nninyof eech ernlverary year yaw Account is l f h h t f en t e ae is bi lad. The annua ee is not re undable unless You open. The amount of !ha fee appears on the statement w notify us [hot you wish to close your Account within 30 days of the mailing or delivery date of the statement on which t-6 fee is billed. You will receive this refund even if you use your Card during that period. How We Calculate interest Charges Dai i Balw,ca Method (including current transactions): We figure Interest Charges for each billing period. To do this: We calculate your Interest Charges separately for each balance subject to different Corms (for example, standard purchases, standard cash advances and each purchase, balance transfer and cash advance balance subject to promotional terms). We refer to these balances as tronsaction categories. We figure the "daily balance" for each transaction category. To get the "daily balance" we take the beginning balance for each day, add any new transactions and fees and any Interest Charges accrued on the previous day's d d l b l d d k h d l d o m its an justments (inc ai y ance. We then subtract any cre payments an ma e ot er a u ing those a " " m adjustments required in the section titled Paying Interest ). In calculating the daily bolanca for the first day of the revious da 's daily balance" to have been our balance on the fast day of our billin eriod we consider the " o y p y y g p , previous billing period. This gives us the daily balance for each transaction category. o • We figure the Interest Charges on your Account by multiplying the daily balance for each transaction category by its daily periodic rate, for each day in the billing period. g LL The total Interest Charges for the billing period are the sum of the daily Interest Charges for each transaction n category for each day during that billing period. X When we calculate daily balances, we add a new transaction as of the Transaction Dale 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. All fees charged to your Account are added to the standard purchase transaction cote gory with the exce tion of Cash Advance p Fees which are added to the applicable cash advance transaction category and Balance Transfer Fees which are added to the applicable balance transfer transaction category. APR. Your Pen ky APR is determined based on your creditwPorthiness and other factors such as your current APRs, annddyour account history. It your APRs for new transactions are increased for a late payment, the Penalty APRs will apply indefinitely. far TDD {Telecommunications 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 Discoverocard is issued by Discover Bank, Member FDIC OITBK 172 Foreign Currency Fee: 2% of the U.S, dollar amount of each purchase made in a foreign currency. Penalty APRs: Each time you fail to make a meat when duo, we may, in accordance with applicable low, (i) terminate the availability of any introductory/ promotional APRs on new transactions and (ii) increase your APRs for new transactions to variable Peres APRs which will be determined b addin u to an ar?ditiona(5 ercenta a oints to the othe ise )-cable Information For You When making payments, please send a check with your payment coupon to the address we provided on your statement. This wits help you avoid additional interest charges and/or late payments, as it can take additional time to process and credit cash payments and payments sent to a different address. The Additional tmportant Information section on your statement provides specific details. • - ATTENTION "" Your account is seriously past due. Payment of the amount due and arrangements for future payments should be made immediately. 9071114 Questions? VW1 www.Diswver.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER New Balance Minimum Payment Due DISCOVER $10,473.19 Fl mn 6A0 Payment Due Date December 18, 2010 23 SDSN6A01 0004517 SHEILA EARHART 45 OAK PARK AVE CARLISLE PA 17015-9262 Account Number ending in 6577 Enter Amount Enclosed Below $[? Please make check payable to Discover Card. You are overlimit. Poy the sum of the monthly minimum payment plus the overhmit amount of $173.19. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.comipaperless. PO BOX 71084 CHARLOTTE NC 28j2(72-1084 Adc!To" H tali cr telephone chon9S „l, Ilttl, 1, tr II111Itt11I Ifl1 {III III IIf 111111 !Ir(, iitl ttll Go to www.Diacover.com or print <honge in space above. 000007.986453579147,4141047369000000001,47600 Opening Date: Odober 24, 2010 Closing Date: November 23, 2010 Discover More Card Account Summary Account number ending in 6577 Previous Balance $10,393.77 Payments And Credits 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged + 44.42 Fees Charged + 35.00 Now Balance $1 OWY 19 See Interest Charge Calculation section following transactions for detailed APR information Credit Line $10,300.00 Credit urie Available $0.00 Cash Advance Credit Line $5,200.00 Cash Advance Credit Line Available $0.00 You may be able to avoid interest Charges, see Additional Important Information for details. Cashback Bonuse Anniversary Month April Opening Coshback Bonus Balance $ 0.00 Now Cashback Bonus This Period + 0.00 Coshbock Bonus Balance $ 0.00 to Icam morc, tog in at www.Diacovor.com page i of 2 Payment Information New Balance $10,473.19 Minimum Payment Due* $1,476.00 Payment Due Date December 18, 2010 "Includes past due amount of $1,226.00 Late Payment Warning: If we do not receive your minimum aoyment 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 17.99% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: If yoU it?ak@.7nQ Y;-- vN!#IF;jay o)f?)he And,}!Q(i W!1) @nd". ..,. ddrponal clnareg bafarxe shown 4n Lp paying cn stng9l?,szattland; tFrrssfafemerttr; astrmctadfotafof cl1 m?tfrZrou pay":, abavt Only the minimum 17 years $16,047 payment If you would like information about credit counseling services, call 1-8M347-1121 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com I Access your account securely at www,Discover.com Access free online tools like Paydown Planner to create a plan 2. Call 1-800-DISCOVER (1-800.347-2683) to Foy down your balance, securely access statements, pay Please have your Discover(& card available. bills online and easily track all transactions 3. Write to us of Discover, PO Box 30943, Sob Lake City, UT 84130 (Not a payment address) Make your money worth moresm-Find easy ways to earn For payments, please send to address on remittance or and redeem cash rewards Discover. PO Box 6103, Catol Stream, 1160197-6103 NEW! Access your account securely through your For TDD (Telecommunications Device for the Deaf) mobile phone assistance, please call 1-800.347-7449. 7444 A 00 Transactions Trans. Post Date Data Fees Nov 18 Nov 18 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD 35.00 interest Charged INTEREST CHARGE ON PURCHASES $ 13.19 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 31.23 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 cis it's available rather than wair for it to arrive in your mailbox- Get helpful payment reminders through e-mail or fext messoaes on your mobile phone. {!r,t a paper <-of'Y Of v0 r Sign up Today o! Discoveccom/paperless { 1 1 }{ 02010 D .comer B.A, Memb' FDIC PAPER 03 10 N O Transactions Z Trans. Post (cont.) Date Date o n 0 0 a Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 44.42 _ x 2010 Totals Year-to-Date J TOTAL FEES CHARGED IN 2010 $ 169.00 TOTAL INTEREST CHARGED IN 2010 427.76 9071114 Questions? Visit www.Diiscover.com or DISCOVER call 1-800-DISCOVER (1.800-347.2683). DISCOVER 1 ?J Y i EARHAR trpoysto 1 Accoun numberT in 6577 QIS-C C.VE?_ Account number T page 2 of 2 Interest Charge Calculation Your Annual Percentage Rote (APR) is the annual interest rate on your account. Current Billing Period: 31 days TYPE Of BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE {APR) INTEREST RATE Purchases 12,99% V $1,196.75 $1119 Cash Advances 23.99% $0 $0 Balance Transfers 3.99% $9,21849 $3123 V = Variable Rata Additional lrnportont Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Last or stolen cards. Report immediatelyl Call 1-800-3d7-2683. 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 of: Discover PO Box 30421 Salt Lake City, UT 84 1 30-042 1 In your letter, give us the following informatiow Account information: Your name and account number. Dollar amount: The dollar amount of the suspected error Description of Problem: If you think there is on 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 on error. the following are true- We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any inletmf or other fees related to that amount, While you do not have to pay the amount in question, you ore responsible for the remainder of your balance, We can apply any unpaid amount against your credit limit. Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with Ike goods or services that you have purchased 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: 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the put-chose price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services.) 2. You must hove used your credit card for the purchase. Purchases made with cash advances from on ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Discover: PO Box 30945, Salt Cake City, UT 84130-09A5 While we investigate, the same 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. I,ion. tf payment is processed as an electronic fund transfer, tka transfer will be for tke amount of the check. When we use information from your check to make an electronic Fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back ham your Financial institution. Tr- acessing of your payment may be delayed if you send cask, correspondence or other items with your payment, if you g other address or If you use an envelor he one providedPayents rived in proper yment to an f our ili5PM local time nm any yy wiceded o your Account os f that dayPayments ed of our processing facility aft er 5PM focal time will 6e credited to your Account os of the next day, if you have misplaced your envelope, send your payment to oiswver fO Box 6103 Coral Stream, IL 60197.6103. Please aflow 7.10 days For delivery. If your payment is returned unpaid, we reserve the rig?t to resubmit it as an electronic debit. You can your minimum payment or a greater amount over the telephone, and you can set up automatic payments. Call us at 1-8pay3A7--2683. You wilt need this stotement and your bank account information. You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You will be asked to provide the first 5 digits of yaw account statement ZIP code. B entering those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to dedud each payment you authorize from your bank account, and to initials debit or credit entries to your bank account, as applicable, to correct an error in the processin g of such payment. You must tell us the amount of each payment or you can salad an amount such as the Minimum Payment Due or the New Balance on each statement. You con cancel a paymnF however we must receive notice at least three business days in advance of the scheduled payment. You may notify us :e phone at 1-800-347-2683 or by mail at the address listed in the previous par roph. It your payments vary to amount, we will tell you on each monthly statement when your payment will be made andw much it will be. Your automatic payment amount maybe less than indicated an the monthly statement based on credits or payments applied during the billing cycle. payments, missed payments, or CgR?jTa} lung. Wade may report informaton obout your Account to credit bureaus. Late f o r de u on your Account may be reflected in your credit report, We normally report the status and payment history o your Account to crd reporting agencies each month. If ov believe that our re rf is inaccurate or incomplete, please it. us at the following address: Discover. PO Box 15316, WYlmington, DE 19850-531 b. Plsose indicate your name, address, Frame telephone number and Account number NOTICE SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER paying interest We begin to impose interest Charges on all transactions from the Transaction Date for the transadion shown on your billing statement, unless a transaction is posted to your Account after the close of the billing period in which it occurs, in which case we begin to impose interest charges on that transaction from the first day of the billing period in which it is posted to your Account. We continue to impose Interest Charges until the date you pay your entire New Balance shown on your billing statement by making payments or receiving credits. If you paid the New Balance on your previous 6iUing staiomanf by the Payment Due Date shown on that billing statement, we will not impose Interest Charges on new purchases, that is, purchases first appearing on the current billing statement, or any portion o a new purchase, Paid by the Payment Due Date on your current billing statement- We call this the "grace period. It is not less than 25 days. There is no grata period on balance transfers or cash advances. As more fully described in the section of your Cordmem er Agreement tilled "Haw We Apply Payments," we genera#1 apply payments to your Account based on the APR applicable to the balance of each transaction category- This means that if you do not pay the New Balance on the current billing statement by the Payment Due Date shown on at billing statement, then, depending on the amount of your payment and the APRs on other balances, you may not get a grace period on new purchases. Minimum Interest Charge. We will chatoe vol) a m!nimu.m lntorost C'-3e of $.50 for orgy billing Period in whkh Internet Chorgee of I-!ian ± ._ -vou?d cliu r ise be ia:?"?a? Annual Fee. If your ccocnt has un annual tea, i't-.il 4h i_.,!iNd of the ",,ginning of each anniversary year?our Account is open The amount of the fee appears on the steiemen! wham lba fee is billed- The annual fee is not refuse a6#e unless you notify us that you wish to dose your Account within 34 days of the mailing or delivery date of the statement on which the fee is billed. You will receive this refund evert if you use your Cord during that period. ..- .------ - --- - _...._. _ How We Calculate Interest Ckargos Daily Balance Method (including current transactions): We figure interest Charges for each billing period. To do this: We calculate your Interest Charges separately for each balance subject to different terms (for example, standard purchases, standard cash advances and each purchase, balance transfer and cash advance balance subject to promotional terms) We refer to theso balances as transadion categories. We figure the "daily balance" for each transaction category. To get the "daily balance" we take the bsegirming balance for each day, add any new transactions and fees and any Interest Charges accrued on the previous day's daily balance. We then subtract any credits and payments and make other adjustments (including these z adjustments required in the section titled "Paying Interest"). In calculating the daily balance for the first day of the bilking period, we consider the "previous day's daily balance" to hove been your balance on the last day of your o previous billing period. This gives us the doily balance for each transaction cafegary, o0 • We figure the interest Charges on your Account by multiplying the daily balance for each transaction category by its daily periodic rate, for each day in the billing period. The local interest Charges for the billing period are the sum of the daily Interest Charges for each transaction n category for each day during that billing period. X When we calculate doily 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 Ike close of the lifting period in which it occurs, in which case the transaction will be added to the daddy balance as of the first day of the billing period in which it is posted to your Account. All fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance fees which are added to the applicable cash advance transaction category and Balance Transfer Fees which are added to the applicable balance transfer Ironsaddon category. Foreign Currency Fee: 2% of the U.S. dollar amount of each purchase made in a foreign currency. Penalty APRs: Each time you fail to make a pa moot when due, we may, in accordance with opplicable low, (i) terminate the availability of any introductory/Promotionol APRs on new transactions and (ii) increase your APRs for new transactions to variable Penally APRs which wilt be determined by adding up to an additional S percentage points to the otherwise applicable APR. Your Penally APR is determined based on your creditworthiness and other factors such as your current APRs, and your account history. if your APRs for new transactions are increased for a late payment, the Penalty APRs will apply indefinitely. for TDD (Talecommunkations Device for the Deaf] assistance, please call 1-8013-347-7449. 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 oITEK Vz Information For You '" ` ATTENTION "' Your account is seriously past due. Payment of the amount due and arrangements for future payments should be made immediately. 9071114 Quesftons? Visit www.i)iscover.com or call 1-800-DISCOVER (1-800-347-2683) DISC40VER New Balance Minimum Payment Due DISCOVER $10,551.79 $1,728.00 Payment Due Date January 18, 2011 23 9DSN6A01 0004518 SHEILA EARHART 45 OAK PARK AVE CARLISLE PA 17015-9262 Account Number ending in 6577 Enter Amount Enclosed Below Please make check payable to Discover Cord. You are overlimit, ty the sum of the monthly minimum payment plus the overlimit amount r f $251.79. Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.comlpapertess. PO BOX 71084 111111 lirr,rrlr1?111rr(rlrl ((-HARLOTTE HC II2K_'72-1084 Add--, inlallafl9lepfOneei)onge$ (1??11?1f 11?'It1i111t{{5141I?i1f?11? 1?I11I11?tl?I111?t1?+ Go to www,Discover.com or print change in space above. 0000019864535791414143,055],7900000000172800 Opening Data: November 24r 2010 - Closing Date: De Discover More Card Account Summary ( Account number ending in 6577 Previous Balance $10,473.19 Payments And Credits 0.00 Purchases + 0.00 Balance Transfers + 0,00 Cash Advances + 0.00 Interest Charged + 43.60 Fees Charged + 35.00 __ _ New Balance _ _ $10,551.79 See Interest Charge Calculation section following transactions for detailed APR information Credit tine $10,300.00 Credit Line Available $0.00 Cash Advance Credit Line $5,200.00 Cash Advance Credit Line Available $0.00 You may be able to avoid Interest Charges, see Additional Impodanf Information for details. Cashback Bonuse Anniversary Month April Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashlsack Bonus Balance $ 0.00 To 1- -, Tog in on v .Discover.mm :emuer 14.31 X V I v t/Vyv I w c Payment Information New Balance $10,551.79 Minimum Payment Due" $1,728.00 Payment Due Data January 18, 2011 `Includes past due amount of $1,476.00 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 17.99% variable. Minimum Payment Warning: It you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: IF--" ybu trldlce no You wiA pay off the And; X00rA enKl. acldjitonoj chnyg@s . balance shown. vn s u?-p4j!ing an using hits card and;; thts 3tatetnent tq estlmdted lour Qf cb t»orrflT you f?cy abovE .... .?, Only the minimum 17 years $16,099 payment IF you would like information about credit counseling services, colt 1-800.347.1121 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1 Access your account securely at www.Discovercom Access free online tools like Paydown Planner to create a plan 2. Can 1.800-DISCOVER (1.804347-2683) to y down your balance, securely access statements, pay Pa Please have your DixoverO cord available, s online and easily track all transactions bit 3. Write to us of Discover, PO Box 30943, Soh Lake City, VT 84130 (Not a payment address) Make your money worth moresm-find easy ways to earn For payments, please send to address on remittance or and redeem cash rewards Discover, PO Box 6103, Carol Stream, IL 60 1 9 7-6 1 03 NEW! Access your account securely through your For TDD (Telecommunications Device for the Deaf) mobile phone assistance, please call 1.804347.7449. Transactions Trans. Post Date Date Fees Dec IS Dec 18 LATE FEE TOTAL FEES FOR THIS PERIOD 35.00 35.00 interest Chorger! INTEREST CHARGE ON PURCHASES $ 13.28 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 30.32 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER i Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable, password protected statements, i • 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 n ohile phone. .'nnr r, }>,?p,-? r-cF?y of your stniemen, anyi!m.e. Sign up ludoy at Discover-corn /paperless i i 02070 Discover B.A, M-6+ ,FDIC F"ER.0310 Transactions Trans. Post (cont.) Data Data Interest 6orgad TOTAL INTEREST FOR THIS PERIOD $ 43.60 2010 Totals Year-to-Date TOTAL FEES CHARGED IN 2010 $ 204.00 TOTAL. INTEREST CHARGED IN 2010 471.36 9079114 O z rn 0 a 0 A cJ XX V Quesfions? Visit www_Discover.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER DISCOVER It goys to t Account number number bar ending in 6577 I- _?_?I Account page 2 of 2 interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rote on your account. Curren! Billing Period: 30 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE (APR) INTEREST RATE Purchases 12.99% V $1,244.98 $13.28 Cash Advances 23.99% $0 $0 Balance Transfer= 399% $9,24926 $30.32 V Vorioble Rate Add t anal Important Info ;na+ion $oo your Cardrriarnber Ayroernent. Your Cardmembar Agreement conicim all ilia idrms of your Account. Lost or stolen, cards- Report immecliotely! Call 1-800-347-2683. What To Do ff You Think You Find A Mistake On Your Statement - -- - . . If you think there is an error on your statement, write to us at: Discover. PO Box 30421, Suit Loke City, UT 84 1 3 604 2 1 In your falter. give us the following information. Account information: Your name and account number. Dollar amount: Tha.dollat amount of the suspected error Description of Problom: If you 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 ore 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 colled the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not hove to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question, you are responsible for the remainder of your balance- We can apply any unpaid amount against your credit limit. Your Rights If You Are Dissatisffed Wdh Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased 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: 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was 6ssed on an advertisement we mailed to you , or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid "fat the'purchai is If all of the criteria above are met and yyou are stiff dissatisfied with the purchase, contact us in writing of: Discover, PO Box 30945, Salt Lake 0 , UT 841360945 While we investigate, the some rules apply to the disputed amount as discussed above. After we finish our investigation, we wig 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 !ha envelope provided. Do not send cash. By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer rut your accourd of the &rwnciaf institution indicated on your check or to process the payment as a check transaction- it payment is processed as on electronic fund transfer, the fronsfer will 6a for the amount of she check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn horn your account as soon as the some day we receive your payment, and you will not receive your check back from your financial institution- The processing of your p?merd may be delayed if you send cash, correspondence or other items with your payment, if you send the payment io ar?y other address or if you use on envofope other than the one provided. Payments received in proper form at our processing facility by 5PM an time on any dayy wig be credited to your Accaunf as of that day. Payments received of our processing facility after 5PM focal time will be credited to your Account as of tfie next day. If you have misplaced your envabpe, send your payment to Disrnver PO Box 6103 Carol Stream, Il 60197 bi03. Please oilow 7.10 days For dofrrery. If your payment is returned unpaid, we reserve the riglSt to resubmit it os an electronic debit. You can pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments. Call us at 1-800 347-2683. You wig need this statement and your bank account information. You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You will be asked to provide the first 5 digits of your account statement ZIP code. By entering those numbers as yyour electronic signohre, you will be agreeing to this aothotizalion to allow us and your bank to deduct each payment you authorize from your batik account, and to initiate debit or credit entries to your bank account, as aFplicable, to correct an error in the processing of such payment. You must tell us the amount of each payment or you can se act an amount such as the Minimum Payment Due or the ew Balance on each statement. You can cancel o ment, however we must receive notice al least three business days in advance of the scheduled payment. You may nolis by phone of 1-800-347-2683 or mail at the address listed in the previous porn roph. If your payments vary in amount, we will tell you on each monlhly statement when your yment will be made and flow much it will be. Your automatic payment amount may be less than indicated on the month statement based on credits or payments applied during the billing cycle. g. We may report infarmofion abovF your Account io credit Iwreous. Lute paymorrfs, missed payments, or ?7de o ron your Account maybe reflected in your credit report. We normally report the status and payment history of your unt of llowing address: Discover, PO Box i 5316, Wilmington, bE 19850-5316. Please irndic?e your name, address, home telephone number and Account number. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC®VER Paying Interest: We begin to impose Interest Charges on all transactions from the Transaction Date for the transaction shown on your billing statement, unless a transaction is posted to your Account after the close of the billing period in which it occurs, in which case we begin to impose interest charges on that transaction from the first day of the billing period in which fl is h i N B l d ance s own on ate you poy your ent re ow a posted to your Account. We continue to impose Infer" Charges until the your billing statement by making payments or receiving credits. if you paid the New Balance on your previous billing ose Interest Char es on new ppurdhases statemeni we will not im t billi t th h g p , , ng own on a e s statement by the Payment Due a that is, purchases first apppearing on the wrrent billing statement, or any portion of a new purchase, paid by the Paymerd Due our current biting statement. We call this the "grace period. It is not less than 2S days. There is no grace period Date on y reement tided "How section of our Cordmern er A d in th ll ib d A f h d e y y escr g u e s more a vances. on balance transfers or cas We Apply Payments," we generally apply payments to your Account based on the APR applicable to the balanco of each This means that if you do not pay the New Balance on the current billing statement by the Payment Due or action cate tra y. g ns Dale shown on that billing statement, then, depending on the amount of your payment and the APRs on other balances, you mcv not ant a grace period on new purchases. P Jv1 n»nm ?ih3>F S1 (.harao. We 'N itl hom'. you a nl??': (:, U?Tt Interest Charge of $50 for ar:y bdhnq period Iin which interest -J,4 <?Ihet'W-3Fl :Y- im a?Ji'a. Annual T- ii your Account has an onnuoi tea, it will he billed at the beginn{ag -f each anniversary yecr year Accounr is The amount of the fee appears on the statement when the fee is billed. The annual tea is not refundable unless you o en p . notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the fee is billed You until receive this refund even if you use your Card during that period, How We Calculate interest Charges Da3y Balance Method fivcluding currant transactions). We figure Interest Charges for each billing period. To do this: - We calculate your Interest Charges separately for each balance subject to different forms (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 cis transaction categories. We figure the "daily balance" for each transaction category. To get the "daily balance" we take the beginning balance for each day, add any new transactions and fees and any Interest Charges accrued on the previous day's daily balance. We then subtract any audits and payments and make other adjustments (including those p z ad'ustmens required in the section tided "Paying nterest"j. In calculating the daily balance for the first day of the of our balanco on the last da our ce' to have li: ' d il b l d id th " i l d or o y y y an ous ay s a y a prev , we cons er e bil ing perio previous billing period. This gives us the dotty balance for each transaction category. °o We h ure the Interest Charges on your Account by multiplying the doily balance for each transaction category by its doily periodic rate, for each day in the billing period. The total Interest Charges for the billing period are the sum of the daily Interest Charges for each transaction n category for each day during that billing period. When we calculate daily balances, we add a new transaction as of the Transaction Date shown on your billing statement, unless the transaction is posted to your Account after the close of the billingg period in which it occurs, to which case the ll d A ccount. A to your transaction will be added to the daily balance as of the first day of the biting period in which it is poste fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance and Balance Transfer Fees which are added to saction cate or d t li h bl h dd d ran g e cas a vance y to t e app ca e Fees which are a the applicable balance transfer transaction category. Foreign Currency Fee: 2% of the U.S. dollar amount of each purchase made in a foreign currency. Penalty APBs Each time you fail to make a payment when due, we may, in accordance with applicable law, (i) terminate the availability of any introductory/promotional APRs on new tronsactions and (ii) increase your APRs for new transactions to variable Penalty APRs which witf be determined by adding up to an ar?ddional 5 rcentage points to the otherwise applicable APR. Your Penally APR is determined based on your creditworthiness and other fa tors such as your currerd APRs, and your account history- It your APRs for new transactions are increased for a late payment, the Penalty APRs will apply indefinitely- For TDD (Telecommunications Device for the Deaf] assistance, please call I-B00.347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discovermcard is issued by Discover Bank, Member FDIC 0118K172 Information For You «.. ATTENTION - * Your account is seriously past due. Payment of the amount due and arrangements for future payments should be mode immediately. 9071114 Questions? Visit www.Discover.com or DISC®YEtit cal( 1-800-DISCOVER (1-800-347-2683). J New Balance Minimum Payment Due DISCOVER' $0.00 $2,234.00 Payment Due Dote February 26, 2011 31 SDSNGA01 D004519 SHEILA EARHART 45 OAK PARK AVE CARLISLE PA 17015-9262 PO BOX 6103 1111111(21 r+ 111/rrlll/1I111 CAROL STREAM T{_ 60197-6I03 Address, e-mail orielephone change? { {!1211 {{) { { { {{ 111{ {{ #1 11111!1{{ it?1?1 1 11 111 1 tilt! illlt 1 ICife Go to vnrw.0ixover-corn or print change in space above. 000001986453579141414000000000000000223400 Opening Dole: January 24, 2011 -Closing Date: January 31, 2011 I Discover More Card Account Summary I Account number ending in 6577 Previous Balance $10,632..48 Payments And Credits 10,632.48 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Fees Charged + 0.00 Interest Charged + 0.00 New Balance - $0.00 See Interest Charge calculation section following transactions for detailed APR information Credit Line $10,300.00 Credit Line Available $0:00 Cash Advance Credit Line $5,200.00 Cash Advance Credit tine Available $0.00 Coshback BonuSe Anniversary Month April Opening Cashback Bonus Balance 0-00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance ' $ 0.00 To Learn rrro e, log in of www.Discoveacom Account Number ending in 6577 Enter Amount Enclosed Below $ 1 Go paperless and make your account information more secure with password- protected statements only you can access. Learn more at discover.conWpapertess. page I of 2 Payment Information New balance $0.00 Minimum Payment Due $2,234.00 Payment Due Dote February 26, 2011 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 $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 17.99% variable. Manage Your Account Online at www.Discover.com Securely access statements and free online tools, pay bills online and track and view all trarsactions simply and easily • Make your money worth mor04-Find easy ways to earn and redeem cash rewards, • NEW! Access your account securely through your mobile phone 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2. Call 1-8040ISCOVER (1-800-347.2683 Please have your DiscoverO card available. 3. Write to us at Discover, PO Box 30943, Salt Lake City, LIT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Corot Stream, It 60197.6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347.7449 Transactions Trans. Post Date Date Payments and Czedits Jan 31 Jan 31 INTERNAL CHARGE-OFF $ 10,632.48 Fees T07AL FEES FOR THIS PERIOD $ 0.00 Interest Charged - TOTAL INTEREST FOR THIS PERIOD $ 0.00 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 $ 35.00 TOTAL INTEREST CHARGED IN 2011 45.69 9071114 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC®VER P®perless statements mean less clutter, more convenience Easily access up to 24 months of downioodable, password protected statements. • See your statement as soon as it's available rather than wait for it to orrive in your mailbox. Get helpful payment reminders through e-mail or text messoges on your mobile phone. P!io a ;)oper copy of your s'o+enaen! orrifi;,ie. ' yn up forioy o1 Discover.cornf pcperless 02010 Di--. Book, M-be FDIC i E PAPEA.W 10 CO O rn Z m b 0 0 0 0 c. N X 9071114 Questions? Visit www.Discover.com or DISC VER call 1-800-DISCOVER (1-800-347.2683). 1? DISCOVER' hpays t?? ? Account number SHEILA Account number ending in 6577 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Riling Period: 8 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE (APR) INTEREST RATE Purchases 12.99% V $0 $0 Cash Advances 23.99% $0 $0 Balance Translers 3-99% $0 $O V = Variable Role Add t anal Impartani Informat on S" your Cardmomber Agreement. Your Cordmember Agreement contains ch the terms of your Acc-ml. lost or stolen cards- Report immediately! Call 1.800-347-2683. What To Do If You Think You Find A Mistake On Your Statement IF you think there is an error n your statement, write to ua it. Discover. PO Box 30421` S&Lake City, UT 84130=0421 in your letter, give us the folloowing information: Account information. Your name and account number. Dollar amount. The dollar amount of the suspected error Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe 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 potenlial 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 question ma remain an your statement, and we may confine to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to pay the amount in question, you are re5ponsi6le for the remainder of your balance. We can apply any unpaid amount against your credit limit. Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased 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: 1 The purchase must have been made in your home stale or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you or if we own the company that sold you the goods or services.) 2, You must have used your credit card for the purchase. Purchases made with cash advances From an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase: if all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Discover, PO Box 30945, Salt Lake City, UT 84130-09-45 While we investigate, the some rules apply to the disputed amount os discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Payments. Send only your payment and the top portion of this statement fn the onvebpe provided. I)o not Bond cash. $y sending ur check as descnbad above, you authorize us to use information on your check to make an sleclronfc fund transfer nom your account at the Financial institution indicated on your check a to process the payment as a check transaction. Ef payment is processed as an electronic fund transfer, the transfer will ba for the amount of the check. When we use information From your check to make an electronic fund transfer, funds maybe withdrawn kom your «count as soon as the same day we receive your payment, and you will no! receive your check back from your 6nonciol instihlFion. spondce or other dams wish your payment, if you The pr«essing of your payment may ba delayed if you send cash, c o orre en sand the payment o anyy other address a if you use an envelope other Shan fha one provided. Payments received in proper form at our processing Facility by SPM local lima on any dyy wilt be crudRed to your Account as of that day. Payments received at our processing tacitly offer SPM lacol time wilt be credited io your Account as of the next toy. If you have misplaced your envelope, send your payment 1o Discover, PO Bax 6103 Carol Stream, IL 601 97 61 03. Please allow 7• T O days [ar delivery - IF your payment is returned unpaid, we reserve the rig?it to resubmit it as on electronic debit. You can pay your minimum payment or o greater amount over the telephone, and you can set up automatic payments. Call us at 1.800 347-2683. You will need this statement and your bank account information. You must ensure that sufficient funds are available in your bank account, and all transactions must compply with VS. law. You will be asked to provide the first 5 digits of your account statement ZIP code. B entering those nvmbers as your electronic signature, you will be agreeing to this outhmization to allow us and your bank to deduct each payment you authorize From your bank account, and to initiate debit or credit entries to your bank account, as applica6lo, to correct an error in the processing of such Pa mart. You must tell us theamount of each payment or you can sellect an amount such as the Minimum Paymentt Due or the New Balance on each statement. You can cancel a ymenl; however we must receive notice at least three business days in advance of the scheduled p ent. You rnoy nett yf?us by phone at 1-800-347.2683 or by mail at the address listed in the previous par aph. If your payments vary in amount, we will tell you on each monthly statement when your payment wilt be made rrNow much it wilt be. Your automatic payment amount may be less than indicated on the monthly statement based on credits or payments applied during the bilfing cycle, i? g. We may report information about your Account to credit bureaus. Late payments, missed paymerRs, or i?n your Account may be reRected in your credit report. We normafly report the status and payment history of your Account to crediF repotting agencies each month. ff you believe Ilia! our report is inaccurate ar incomplete, please write us of the Following address: Discover, PO Box f 53 T6, Wilmington, DE 1 985053 1 6. Please indicate your name, address, home telephone number and Account number NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC®VER Paying Interest. We begin to impose Interest Charges on all transactions from the Transaction Date for the transaction shown on your billing statement, unless a transaction is posted to your Account after the close of the billing period in which 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 data you payrur entire Now Balance shown on your billing statement by making payments or receiving credits. If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose Interest Charges on now pmchasos, that is, purchases first appearing on the current billing statement, or any portion aF a new purchase, paid by the Payment Due Date on your current billing statement. We call this the "grace period." If is not less than 25 days. There is no grace period on balance transfers or cash advances. As more fully described in the section of your Cardmembor Agreement titled "Now We Apply Payments," we generally apply payments to your Account based on the APR applicable to the balance of each Iransaction category. This means that if you do not pay the New Balance on the current billing statement by the Payment Due Date shown on that billing statement, then, depending on the amount of your payment and the APRs on other balances, you may not aot a grace period on now purchases. Min urwm L"t- t Cb.,Q; We will 4ome you a minimum tutor-i Charge of $.50 for any billing period in which Intorost cl ;.ss than 5.? -Would oAnrwise be impo.ed. Annual Iva. if you, Account has an annucl fee, it •wi!l be billed w the beginning of each anniversary year ou. A.ccount i: ape« . 1 he amount of the fee appears on the statement when the Fes is bitted. I he annual fee is not refundyabls unless you nolify us that you wish to dose 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 that period. How We Calculate Interest Charges Daily Balance Method (including current transactions). We figure Interest Charges for each billing period- To do this: We calculate your Interest Charges separately for each balance subject to different terms (for example, standard purchases, standard cash advances amt each purchase, balance transfer and cash advance balance subject to promotional terms). We refer to these balances as transaction categories. We figure the "daily balance" for each transaction category. To get the "daily balance" we take the beginning balance For each day, add any new transactions and fees and any interest Charges accrued on the previous day's o daily balance. We then subtract any credits and payments and make other adjustments (including those z ad'ustmenis required in the section titled "Paying Ierest"). In eoteutating the deity fxalanee For the first day of the z billing period, we consider the "previous day's daily balance" to have been your balance on the last day of your o previous billing period. This gives us the daily balance for each transaction category. o We figure the Interest Charges on your Account by multiplying the daily balance for each transaction category by its daily periodic rote, for each day in the billing period. The total Interest Charges for the billing period are the svm of the daily Interest Charges For each transaction N category for each day during that billing period. N When we calculate doily balances, we odd a new transaction as of the Transaction Dale 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. All fees charged to your Account are added to the standard purchase transaction category with the exception o Cash Advance Fees which ore added to the applicable cash advance transaction category and Balance Transfer Fees which are added to the applicable balance Ironsfer transaction category. Foreign Currency Fee: 2% of the U.S. dollar amount of each purchase made in a foreign currency. Penalty APRs: Each time you fail to make a po ment when due, we may, in accordance with applicable law, (i) terminate the availability of any introductory/promotional APRs on new transactions and (ii increase your APRs For new transactions to variable Penalty APRs which wiR be determined by adding up to or ar?ditioma15parcentoge points to the otherwise applicable APR. Your Penalty APR is determined based an your creditworthiness and other factors such as your current APRs, and your account history. If your APRs for new transactions are increased For a late payment, the Penalty APRs will apply indefinitely. For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7447. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover ivcard is issued by Discover Bank, Member FDIC OITBK172 9071114 Questions? Visit www.Discover.com or DISC?VER call 1 800-DISCOVER ,1.800-347-2683). New Balance Minimum Payment Due Account Number ending in 6577 DISCO`, 9/ E9 $10,4632.48 , $10,632.48 I Enter Amount Enclosed Below Payment Due Date __j $ ---? March 17, 2011 Please make check payable to Discover Card. Minimum payymment duo includes o past due e and Internet Ph 00 234 f $2 on . . amount o , payments must be made by 5:00pm ET for same d 22 SpStd6A01 0005705 ay Go pa$erless and make your account SHEILA EARHART information more securewithpassword- 45 OAK PARK AVE protected statements only you can access. CARLISLE PA 17015-9262 Learn more at discover.cornipapertess. PO sax 6103 111111 11 N, III Islell 11 111 111 CAROL STREAM IL 60197--6103 Address, e-mail of telephone change ) „1 14111111.1 Il)m„mmll,)l,m,m,lifill! I Go to www.Disco~.- or print c6onge in space above. 0020111,986453579141414106324800000[101063248 Lary 22, 2011 page 1 of 2 ;Opening Dale: February 1, 2011 - (losing 11018: Mn Discover More Card Account Summary Account number ending in 6577 Previous Balance $10,632AS Payments And Credits 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Fees Charged + 0.00 interest charged + 0.00 New Balance --?10,632?68 See Interest Charge Calculation section following transactions far detailed APR information Credit Line $10,300.00 Credit-fine-Avo4able $0:00 Cash Advance Credit Line $0.00 Cash Advance Credit Line Available $0.00 Payment Information - New Balance $10,632.08 Minimum Payment Due" $10,632.48 Payment Due Date March 17, 2011 .includes post due amount of $2,234.00 bate Payment Warning: If we do not receive your minimum payment by the dale listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs far now transactions may be increased up to the Penalty APR of 17.99% variable. Min'enurn 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: z Only the minimum 7years $10,632 payment If you would like information about credit counseling services, call 1-800-347-1121 Cashbock Bonuse Anniversary Month , April Opening Cashbxack Bonus Balance $ 0.00 New Cashb ack Bonus This Period + 0.00 Cashbadc ISonus Bal.. $ 0.00 To team more, log in of vrww.Diseowr.eom 3 Easy Ways to Contact Us 1 Access your account securely at www.Discovercom 2. Call 1-800-DISCOVER (1.800-3A7-2683F Please have your Discover®card avoilab e. 3. Write to us at Discover, PO Box 30943, Salt Lake City, LIT 84130 (Not a payment address) For payments, please send to address on remittance or Discave PO13ucb.l03,CarotStream,tLb0797bi0.i For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800.3A7.74d9. Manage Your Account Online at www.Discover.com • Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay 60 online and easily track all transactions • Matte your money worth moreSM -find easy ways to earn and redeem cash rewards - - -? -NE-W1 Access your-account seeurefy thro gfryour- mobile phone ;Transactions Trans. Post 9071114 Date Dave Fees TOTAL FEES FOR nN PERIOD $ 0.00 lnterest Charged TOTAL WEREST FOR THIS PERIOD $ 0.00 2011 Totals Year-lo-Date TOTAL FEES CHARGED IN 2011 $ 35-00 TOTAL INTEREST CHARGED IN 2011 45.69 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable, password protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. Get helpful poyment reminders through e-mail or text messages on your mobile phone. v?:nt c pa^P( ? carry of you. Statement any!ime_ j Sign up todoy at Discover:corn/poperless I 67?OT0 Discover Bonk, Member FPK PAPFR.0310 CO O CO 2 rn D _o 0 0 0 v, 0 N X V 9071114 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER 11-800-347-26831. It _I-ys ys raM??` SHEIFA EARHART DISC(v F'"; v ER } DISCOVER + Account number ending in 6577 page 2 of 2 interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 22 days SAUB ECF TO INTEREST CHARGE TYPE OF BALANCE AN UAL PERCENTAGE INTEREST Purchases 12.99% V $O $O Cash Advances 23.99% $0 SO Balance Transfers 3.99% $0 $0 V = Variable Raie Add;t;«.al 4»p.>.+??t k,fonnotion Soo your Cardmembor Ayreea L Your Cardmember Agrs rnont contains all the term; of your -'?ccounr. Lost or stolen cards. Report immediately! Call 1800-347-2683. What To Do If You Think You rind A Mistake On Your Statement IF you"think there i3 do"siror on you statearerit write to uScit 'Discover PO Box'3042T Salt Lake City UT 841 30 -04 2 T (n your letter, give us the following information. Account information. Your name and account number. Dollar amount: The dollar amount of the suspected error Deicription of ProSlem: if you-t! rink Iheri is an ertor on your bill, deicriF» what you believe is wiorg ana why-y6 u beIf 074 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, 6uf if you do we are not required to investigate any potential errors and you may have to pay The amount in question. White we investigate whether or not there has been an error, the following are hue: We cannot try to tolled the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. While you do not have to the amount in question, you are responsible for the remainder of your balance. We can apply any unpaid aamount against your credit limit, 'Your fthts If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good Faith to coned the problem with the merdwnt, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the fallowing must be true: T The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. iNote: Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we oven the company that sold you the goods or services] 2. You must have used your credit card for the purchase. Purchases made with cosh advances from an ATM or with a check that accesses your credit card account do not qualify. .3. You. must not.yet-have-hilly paid.For.ftie purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Discover, PO Box 30945, Soh Lake Ci yF , TiT 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. i Payments. Send only your paymefi and the top portion of this statement in the envelope provided. Do not send cash. By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer worn X0 r account at the financial mstihition indicated on your check or to process the payment as a check hansadion, payment is processed as an electronic fund transfer, the transfer wRl be for the amount of the check. When we use information From your check to make an elechariic fund transfer, kinds may be withdrawn From your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment maybe delayed if you sand cash, rnrresportdence or other items with your payment, if you s the payment fo ar?y artier address or iF you use an envelope other than Ilia ono provided. Payments received to proper Form at ow processin end g faciiify byy SPM Focal time on any toy wdf ba credited to your Accoort as of that day. Payments ieeeived at our processing (acili7y after 5PM local time wrR be credited fo your Aemrtnt as of the next toy. tf you have misplaced your envelope, send your payment to Discover PO Box 6103 Carol Stream, !L 60197 6 1 03. Please allow 7• T 0 days for delivery. If your payment is returned unpaid, we reserve the rig?nt to resubmit it as an electronic debit. You can pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments. Call ;us at 1-800-347-2683 You will need this statement and your bank account information. You must ensure that sufficient dunds are available in your bank account and all transactions must comply with U.S. law. You will be asked to provide the first 5 digits of your account statement ZIA code. $ enfaring those numbers as electronic signature, you will be reeing to this authorization to allow us and your bank to deduct each payment you authorize from your bank account, and tago initiate debit or credit entries to your bank account, as o icable, to coned an error in the processing of such payment. You most tall uslhe.amount.,of each.paymeotc,c yaw can omount.such as-lhe AMnimumPoymeiat Due or. the. Now Balance on each statement. You can cancel o moo; however we must receive notice at least three business days in advance of the r cheduled payment. You may nett us by phone at 1.800.347-2683 or by mail at the address listed in the previous par raph. If your payments vary in amount, we will tag you on each mardhly statement when your ent will be made andw much it will tie. Your automatic payment amount may be less than Indicated on the month statement based on credits or payments applied during the billing cycle. Cred'A Reporting. We may report information about your Account to credit bureaus. tote payments, missed payments, or S164 on your Account may be reffected in your credit report. We nonn?y report tfie status and payment history of your Accoun to credit repodinp agencies each month. If you believe that our rort is inaccurate or incomplete, please write us at the following address: Discover, PO Box )5316, Wilmington, DE 19807316. Please indicate your name, address, home telephone number and Account number i lOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC*V ER Paying Interest We begin to impose Infer" Charges on all transactions from the Transaction Bate for the transaction shown on your billing statement, unless a transaction is posted to your Account after the close of the billing period in which it occurs, in which case we begin to impose interest charges on that transaction from the first day of the billing period in which it is posted to your Account. We continue to impose Interest Charges until the date you pay your antireNew Balance shown on your bilkr?g statement by makin payments or receiving credits. If you paid the IVew Balance on your previous bill'" statement by the Payment Due Date shown on that billing statement, we will not im so Interest Charges on new purchases, that is, purchases first appeari on the current billing statement, or any portion of a now purchase, paid 6y tha Payment Due Date oour current 6i iN ng st?ement. We call this fhe "grace period. It is not less than 25 days. There is no Brace period on balance transfers or cash advances. As more fully described in the section of your Cardmember Agregiment titled "How We Apply Payments," we generally apply r rents to your Account based on the APR applicable to the balance of each transaction category. This means Ihat if you da not pay the New Balance on the current billing statement by the Poymant Due Data shown on that billing statement, then, depending on the amount of your payment and the APRs on other balances, you may not get a grace period on now purchases. M nimrn„ tr; giro t Charrgge?. We will chargn you a minimum Interest Charge of $.50 for any billing period in which Inte?k,t of lesa thon $.50 would otherwise be imposed. Annual ree. if your Account has an annual fee, it will be billed of the 6eginning of each anniversary year our Account is open. The amount of the fee appears on the statement when the fee is billed. The annual fee is not rofundyable unless you notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the fee -is-billed:--You will receive-this-refund-even-if-you use..your-Card. during. that period- How We Calculate lnterestCharges Daily Balance Method (including cumorntfronsoclions): We figure Interest Charges For each billing period. to do this: We cakulote your Interest Charges separately for each balance subject to different terms (for example, standard purchases„standard sash odvprtce; ond_apch purchpse,,,bolanco transfer and cash advance balance subject to, _ promotional terms). We refer to these balances as transaction categories. We Figure the 'daily balance" for each transaction category. To get !fie "deify balance" we take the beginning balance for each day, add any new transactions and fees and arty Interest Charges accrued on the previous day's con daily balance. We en wbtract any credits and ppaaymenh and make other adjusfmants (including those z ad'ustments required in the section h$ad "Paying frderesf"). !n calculofing the doily balance for the first day of the y ng perfect, we consider the "previous day's daily balance" fo #tave been your balance on the last day of your o previous 6311 period. This gives us the doily balance for each transaction category. o? • We figure the Interest Charges on your Account by multiplying the dolly balance for each transaction category by g its daily periodic rate, for each day in the billing period. o The total Interest Charges for the billing period are Fhe sum of the daily Interest Charges for each transaction r category for each day during that billing period. X When we calculate daily balances, we add a new transaction as of the Transaction Dote shown on your billing statement, V 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. All fees charged to your Account areadded to the standard purchase transaction category with the exception of Cash Advance Fees which are added to the applicable cash advance transaction category and Balance Transfer Fees which are added to the applicable balance transfer transaction category. Foreign Currency Fee: 2% of the U.S. dollar amount of each purchase made in a foreign currency. e Penalty APR$ : Each time you fail to make a T ailaty rnhoryrominl ovariable PnaR6cft wila dy APR. Your Pis dtermined based our creditwoiihiness and other factors such as your current APRs, and your account history . If Your APRs for new trasacntions are increased For o late payment, the Penalty APRs wilt apply irtdefinifefy. For TOO (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives For quality assurance purposes. The Discover®card is issued by Discover Bank, Member FDIC OITBK172 9071114 Quesifions? visit www-Discov.r.com or ®?54®VER call 1-800-DISCOVER 11-800-347-2683). PISC'OVER 10DCM0_0200K_TL22J0210_01364_reader,indd 1-2 YOUR DISCOVER' ACCOUNT CARDMEMBER AGREEMENT ................ Pages 1-13 The terms and conditions of your Account, including how we calculate finance charges, our fees and an Arbitration of Disputes section. You have the right to reject the arbitration provision with respect to your new Account within 30 days after receiving your Card, as explained in the "Right to Reject Arbitration" section at page 13. PRIVACY POLICY ......................... Pages 13-16 A summary of the personal information we collect, when it may be shared with others, and how we safeguard the confidentiality and security of information. You may limit our sharing of such information with others as explained in section 4 of the Privacy Policy at page 15. BILLING RIGHTS .......................... Pages 16-17 Important information about your rights and our responsibilities under the Fair Credit Billing Act. DESCRIPTION OF COVERAGE ............... Pages 18-25 The terms and conditions of the Scheduled Air Travel Accident Insurance and the Secondary Rental Car Collision Coverage that is provided at no charge to you when you use your Card to purchase airline tickets or rent an automobile. GLOBAL TRAVELER'S HOTLINE ..................Page 25 The terns and conditions of this free travel assistance benefit. W010 Dkscover Bank, Member FDIC TL2210210 12115109 1:36:27 PM EXHIBIT - CARDMEMBER AGREEMENT Please read this Agreement carefully before using your Discovere Card __---Account-ft-contains-the terms and-conditions ef-your-Account,-some of which may have changed from earlier materials provided to you. In the event of any differences, this Agreement shag control. We respect your privacy. See the Privacy section on page 10 mid our Privacy Policy for additional information. The Arbitration of Disputes section on page 11 includes a waiver of a number of rights, Including =1 ht to a jury trial. The Right to Reject Arbitration section on page 13 es the procedure you must follow if you desire to reject the Arbitration of Disputes section. DEFINITIONS ................................................... 2 USING YOUR ACCOUNT ......................................... 2 Your Acceptance of this Agreement ............................ 2 Permitted Uses of Your Account ............................... 2 Prohibited Uses of Your Account ............................ . .. 3 Purchases and Cash Advances in Foreign Currencies ............... 3 Cash Advances .............................................. 3 Balance Transfers ............................................ 3 Credit Authorizations ........................................ 3 Authorized Users ............................................ 3 Unauthorized Use ........................................... 3 Your Credit Lines ........................ ............. 4 CHANGES TO THIS AGREEMENT ................................... 4 MAKING PAYMENTS ............................................. 4 Promise to Pay .............................................. 4 Monthly Billing Statement .................................... 4 Monthly Payment Options .................................... 5 Automatic Billing Arrangements ............................... 5 How We Apply Payments ..................................... 5 Minimum Monthly Payment .................................. 5 Skip•A-Payment offers ....................................... 5 Credit Balances .............................................. 5 FINANCE CHARGES .................. ... .......................... 6 How We Calculate Periodic Finance Charges .................... 6 How We Calculate Your Balances .............................. 6 Variable Interest Rates ....................................... 7 Default Rate ................................................ 7 Cash Advance Transaction Fee Finance Charges .................. 8 Balance Transfer Transaction fee Finance Charges ................ 8 Foreign Currency Transaction Fee Finance Charges ............. Minimum Finance Charge ....... .............................. 8 Account Set-up Fee Finance Charge ............................ 8 FEES ........................................................... 8 Annual Fee ................................................. 8 Late fee .................................................... 9 Returned Payment fee.. ........... ............ ........... . 9 Returned Discover Card Check Fee .............................. 9 Pay-By-Phone ............................................... 9 Research Fee ......................... .............. 9 DEFAULT AND CANCELLATION ..................... .......... 9 Types of Default ............................................. 9 Consequences of Default ...................................... 9 Cancellation ................................................. 9 PRIVACY AND OUR COMMUNICATIONS WITH YOU.. - ............ 10 Our Privacy Policy ........................................... 10 Reporting to Credit Reporting Agencies ........................ 10 - 1 . I IODCMD_02BOK-TL22J021c_oi364_reader.indd 3-4 12115109 116:28 PM Our Communications with You . . ......... . ................ . . . 10 Prohibited Uses of Your Account. Your Account may not be used to oniain Releasing Information About Your Account .................... 10 loans to purchase, carry or trade in securities, to pay any amount you owe Electronic Notices to You .... .. , 10 under this Agreement or for any transactions that are unlawful where you Notices -Changes to Your lnforniabari .: 10 ressde or iv?iere you are physically located when you-use the Account to CLAIMS AND DISPUTES ........ . ................................ 10 initiate the transaction ("Prohibited Transactions"), Merchant Disputes ................................... ....... 10 Claim Notices ....................................... ....... it Arbitration of Disputes .... . .... . ..................... .. . ... . 11 Right to Reject Arbitration ........................... ....... 13 LEGAL INTERPRETATION OF THIS AGREEMENT ............... ....... 13 5everability.............. .................. ....... ....... 13 Compliance with Interest Rate Limitations ............... ....... 13 Governing Law ...................................... ASSIGNMENT OF ACCOUNT ....... 13 13 ...................................... DEFINITIONS "Account" means your Discover Card Account "Authorized User' means any person whom you authorize to use your Account or a Card, whether you notify us or not. "Card" means any one or more Discover Cards issued to you or someone else with your authorization. "Pricing Schedule" means the document accompanying your Card and listing the Finance Charge rates that apply to your Account. The Pricing Schedule is part of this Agreement. "We" "us" and "our" refer to Discover Bank, the issuer of your Discover Card. "You," "your" or "yours" refer to, in addition to you, the Cardmember, any other person or persons who are also contractually liable under this Agreement U51NG 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 recenringa Card, means you accept this Agreement, including the Arbitration of Disputes section on pa Fe 11. You may, however, reject the Arbitration of Disputes section as explained on page 13. Permitted Uses of Your Account Your Account may be Used for: • Purchases - to purchase or lease goods or services from participating merchants by presenting your Card or Account number or by using promotional checks, which we may furnish to you, in accordance with such additional terms and conditions as we may offer from time to time. • Cash Advances - to obtain cash advances from participating automated teller machines, financial institutions or other locations, the purchase of lottery tickets, racetrack wagers, vouchers redeemable for cash or for casino ctrips, money orders, traveler's checks, savings bonds, foreign currency and wire transfers, or by means of checks which we may furnish to you, all in accordance with such additional terms and conditions as we may offer from time to time. • Balance Transfers - to transfer balances from other creditors or to make other transactions by means of balance transfer coupons or checks, in accordance with such additional terms and conditions as we may offer from time to time. In addition, your Account may be used to guarantee reservations at participating establishments. You will be liable for guaranteed reservations that are not cancelled prior to the time specified by the establishment Your Account may be used for personal, family, household and charitable purposes. Purchases and Cash Advances in Foreign Currencim If you make a purchase or cash advance in a foreign currency, it will be converted to U.S. dollars using either a government-mandated rate, a government-published rate or the interbank exchange rate, depending on the country and currency in which the transaction is made, The rate used will be the rate in effect on the conversion date for the transaction, which may be different than the Transaction Date as shown on your statement. We charge a Foreign Currency Transaction Fee Finance Charge for each purchase made in a foreign currency as described in the Foreign Currency Transaction Fee Finance Charges section on page 8. Cash Advances. We may periodical offer you promotional rates on cash advances for the tim period ' red in the offer, subject to the Default Rate section. The offer may contain a Cash Advance Transaction fee Finance Charge for each cash advance. Balance Transfers. We may periodically offer you the opportunity to make balance transfers from other creditors or to make other transactions to your Account by means of balance transfer coupons or checks. Each offer will contain a promotional rate, which will be the Annual Percentage Rate that will apply to transferred balances for the time period specified in the offer, subject to the Default Rate section and may contain a Balance Transfer Transaction Fee Finance Charge for each balance transfer made during the term of the offer, as disclosed in the offer and as set forth in the Pricing Schedule, if applicable. Balance transfers subject to the promotional rate are referred to as promotional rate balance transfers; balance transfers for which the promotional rate has expired are referred to as purchase rate balance transfers. Each offer will contain an expiration date. If you attempt to transfer balances by means of a check after the expiration date, we will treat the transaction as a cash advance. We will not make balance transfers attempted by means of a coupon after the expiration date. Credit Authorizations. Certain transactions will require our authorization Prior to completion. In some cases, you may be asked to provide identification. We have the right not to authorize a transaction for security or other reasons. Also, if our authorization system is not working, we may not be able to authorize a transaction. We will not be liable to you if any of these events happen. Authorized Users. If you want to cancel the authority of a current Authorized User to use your Account or a Card, you must notify us and destroy any Card in that person's possession. You can notify us by telephoning t-800-WSCOVER (1.80[}347-2683), or by writing Discover, PO Box 30943, Salt Lake City, UT 84130-0943. None of your rights under this Agreement (other than to pay amounts owed) may be exercised by any person not a party to this Agreement acting pursuant to a power of attorney, without our separate written agreement (which we are not obligated to give). Unauthorized Use. Prior to its use, each Card must be signed by the person to w'nom it is issued. If a Card is lost or stolen, or if you think that someone is using your Account or a Card without your permission, notify us immediately. You can notify us by telephoning 1-8110-DISCOVER (1-800347.2663), or by writing Discover, PO Box 30943, Salt Lake City, UT 84130-0943. You agree to -3- I !ODCMO_0280K_TL22JO210_01364 reeder.indd 5-6 12115108 1:36:28 PM 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 investigation __ require in connection with our Your Credit Lines. We will advise you of your Account credit line, We may impose a lower Tinethat will aaaly to cash advances, referred to as the cash advance credit line. We may to impose a lower line that will apply to balance transfers, referred to as the balance transfer credit line, You agree not to allow your unpaid balance, including Finance Charges and fees, to exceed your Account credit line. If you exceed your Account credit line, we may request immediate payment of the amount bywhich you exceed your Account credit line. We may increase or decrease your Account credit line, your cash advance credit line or your balance transfer credit Rine without notice. The credit available for your use may, from time to time, be less than your Account credit line. For purposes of determining your available credit, we reserve the right to postpone for up to 15 business days reducing your unpaid balances by the amount of any payment that we receive. Your available credit will not be increased by the amount of any credit balance. CHANGES TO THIS AGREEMENT From time to time, we may, to the extent pitted by law, change any term of this Agreement, inducting, but nM i] mited to, any finance charge rate, fee or method of cutting any balance upon which the finance charge rate is assessed, or add or delete any term to this Agreement We will rveyounotice ofthechange inthetime andmanner required bylaw, which includes 45-days advance written notice in some circumstances. In addition, to the extent required by law, we wig offer you the opportunity to reject a change. For example, law requilres, with certain exceptions, that we offer you the opportunity to reject an increase in a late fee or the elimination of a grace period prior to the effective date of the change. If you reject a change in accordance with the instructions in the notice provided, we will dose your Account and you will no longer be able to use it for ftnther transactions. You can then pay the remaining balance under the unchanged term. We may also change any term of any product service or benefit offered in connection with your Account We will notify you as required by law or by the terms of the product service or benefit MAKING PAYMENTS Promise to Pag You agree to pay us in U.S. dollars for all purchases, cash advances and balance transfers including applicable Finance Charges and other charges or fees, incurred by you or anyone you authorize or permit to use your Account or a Card, even if you do not notify us that others are using your Account or a Card. If you pay us in other than U.S. dollars, we may refuse to accept the payment or charge your Account our cost to convert your payment to US. dollars. AN checks must be drawn on funds on deposit in the U.S. You may not use a cash advance check, balance transfer check or coupon, or any other promdonal check drawn on any Discover Bank credit card account to make payments on your Account H 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 payrtxirts or rdal payments or checks and money orders marked "payment in full or with any other restrictive endorsement without losing any of our rights under this Agreement Monthly Billing Statement We will send you a billing statement after each monthly billing period in which you have a debit or credit balance, unless 4- we waive our right to do so as permitted bylaw, The billing statement will show all purchases, cash advances, balance transfers, finance Charges and other charges or fees and all payments or other credits posted to your X6Wnt-d4ring heliiliing' period: It will show ydur"New Balatice Payment Due Date and Minimum Payment Due as of the end of the billing period. If your prior month's payment 1s returned unpaid, your required Minimum Payment Due may be higher than shown on your billing statement. See the Minimum Mon" Payment section on page 5. MoMFdy Payment Options. You may at any time pay the entire New Balance shown on your billing statement, but each month you must pay at least the Minimum Payment Due as described In the Minimum Monthly Payment section. All payments must be made in accordance with the terms stated on your monthly billing statement, as web as the payment cut-off time stated in this section, and we will credit your Account in accordance with those terms and this section. Payments received in proper form at our processing facility by SPM local time on any day will be credited as of that day. Payments received in proper form at our processing facility after 5PM local time will be credited as of the next day. Automatic Bilkng Arrangements. If your Account number andlor Card ex{xration date changes and our records indicate you have automatic bilkng estab5shed with a merchant, we will attempt to provide your new Account information to that merchant. To ensure uninterrupted billing, we recommend that you verifythe merchant has your new Account information. You must contact the merchant direct ly if you do not wish to continue the automatic billing arrangement. How We Apply Payments. Each billing period, to the extent your payments exceed the Minimum Payment Due shown on your current billing statement, we will apply these excess amounts in order of the Annual Percentage Bate applicable to the balance of each transaction category (as referenced in the finance Charges section), generally from highest to lowest, beginning with the balance subject to the highest Annual Percentage Rate. otherwise, we will apply Me., ents and credits at our discretion, rndwlm in a manner most favoa convenient for us. In all cases, we will apply payments and credits in accordance with applicable law. Minimums Monthly Payment. The Minimum Payment Due each billing period will equal: () the greater of. • 540: • 2% of the New Balance (plus $40 if your New Balance includes a balance transfer balance); or current Periodic Finance Charges plus Late Fees plus $20; Q plus any past due amount. we may also include some or all the amount by which you exceed your Account credit line. When we calculate the Minimum Payment Due, we may subtract from the New Balance certain fees added to your Account during the billing period. The Minimum Payment Due will be rounded up to the nearest dollar and will never exceed the New Balance. Skip-APayment Offers. We may from time to time allow you to not make a minimum monthly payment and will notify you when this option is available. If you take advantage of this offer and do not make a minimum monthly payment finance charges and any applicable fees will accrue on your Account in accordance with this Agreement and you must pay the Minimum Payment Due for the following billing periods. Credit Balances. We will refund any credit balance within seven business -S- 12!15!09 1:30:28 PM 1000M0_OMo1LTt22lo2t0_Ot36a_reaaer.lndd 7-e days from receipt of your written request. if you do not request a refund, we will automatically refund credit balances greater than S1 that remain in your Account after 6 months FINANCE CHARGES How We Calculate Periodic Finance Charges. We begin to impose Periodic Finance Charges on all transactions from the Transaction Date for the transaction shown on your billing statement, unless a transaction is posted to your Account after the close of the billing period in which it occurs, in which case we begin to impose Periodic Finance Charges on that transaction from thefirst day of the bilfmgperiod in which it is posted to your Account We continue to impose Perio ii c Finance Charges until the date you pay your entire New Balance shown on your billing statement by making payments or receiving credits. However, if you paid the New Balance on yycour prev+ous billing statement by the Payment Due Date shown on that billing statement, we will not impose Periodic Finance Charges on new purchases, that is, purchases first appearing on the current billing statement, or any portion of a new purchase, paid by the Payment Due Date on your current bang statement We call this the "grace period." There is no grace period on balance transfers or cash advances. As more fully described in the section titled "How We Apply Payments," we generally appl payments to your Account based on the Annual Percentage Rate applicable to the balance of each trarhsaction category. This means that if you do not pay the New Balance on the current bdiing statement by the Payment Due Date shown on that billing statement, then, depending on the amount of your payment and the Annual Percentage Rates on other balances, you may not get a grace period on new purchases. We sort your transactions into groups of purchases, cash advances, and balance transfers and then further sort the transactions within each group by their Annual Percentage Rate. For example, purchases subject to a promotional rate and purchases subject to a standard rate would be separate groups. We refer to these groups as transaction categories. At the end of each billing period, we compute balances and Periodic Finance Charges for each day of the billing period for each transaction category. We use the following equation to compute Periodic Finance Charges for each transaction category. (Average Dadyy Balance) times (days in billing period) times (Daily Periodic Rate). You may refer to the Finance Charge Summaryon Your billing statement tot these amounts, Then we add up the Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges for your Account. The Average Daily Balance is shown as zero if, because of the grace period, no Periodic Finance Charges apply to the balance in a transaction category. The Daily Periodic Rate is 1365th of the corresponding Annual Percentage Rate. How We Calculate Your Balances. We use the Average Daily Balance (including new transactions) method of calculating the balance upon which we impose Periodic Finance Charges. We compute the Average Daily Balance for each transaction category by adding upp all the daily balances in a billing period for a transaction category and dividing the total by the number of days in the billing period. We compute the daily balance for each transaction category on each day by first adding the following to the previous day's daily balance: transactions with a Transaction Date of that day as shown on your billing statement, unless the transaction is posted to your Account after the close of the billing period in which it occurs, in which case the transaction will be added to the daily balance as of the first day of -6- the billing period in which it is posted to your Account, fees charged that day and Periodic Finance Charges accrued on the previous day's daily balance; and by then subtracting any credits and payments that are applied against the balance of the transaction category on that dayin-caiculating the aily balance for the first day of the billing period, we consider the "predviaus day's daily balance" to have been your balance for each transaction category on the last day of your previous billing period. All fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable balance transfer transaction category. Variable Interest Rates. One or more Daily Periodic Rates and corresponding Annual Percentage Rates that apply to a transaction category may be variable rates as set forth in your Pricing Schedule or in any special offers you receive from us. Variable Annual Percentage Rates are determined by adding a specified number of percentage points to the Prime Rate, This is shown on the Pricing Schedule as "Prime + (percentage points)." For purposes of this Agreement, the Prime Rate is the highest rate of interest listed as the "prime rate" in the Money Rates section of Tice Wall Street Journal on the last business day of the month. The Prime Rate is merely a pricingg index and does not represent the lowest or best interest rate available to a borrower at any bank at any given time. ff you have a variable rate, your Annual Percentage Rate will increase or decrease when the Prime Rate changes. This change will be effective beginning with the first day of the billing period that begins during the same month as the change in the Prime Rate. An increase in the Annual Percentage Rate may increase your Minimum Payment Due. Default Rate. Each time that you do not make the Minimum Payment Due by the Payment Due Date we may, in accordance with applicable law. (i) terminate the availability of any promotional Annual Percentage Rates on new transactions and (ii) increase your Annual Percentage Rates for new transactions to variable Default Rates. Each new variable Default Rate for a new transaction is determined by adding up to 5 additional percentage points to the otherwise applicable Annual Percentage Rate and will vary based on any changes in the Prime Rate. (For example, if the promotional purchase rate was 2.99% and the rate for other purchases was 15.99% and you paid late once, the rate for all new purchases could increase up to 20.99% variable and vary thereafter with the Prime Rate,) When we first determine the variable Default Rates, we use the Prime Rate effective for the billing period in which you pa late. The variable Default Rates are determined in accordance with the Variable Interest Rates section. We will base your Default Rate on your creditworthiness and other factors such as your current Annual Percentage Rates and your Account history. If we increase any of your Annual Percentage Rates to a Default Rate, we will send you a notice, in accordance with applicable law, advising of (i) the date the new Defauft Rate will apply (the "Default Rate Effective Date"), (ii) the type of new transactions to which it will be applied (note: the new Default Rate will not apply to any other transactions) and, (iii) your right to reject the new Default Rate. New transactions are those transactions which either (7 have a Transaction Date, as show on your billing statement, of more than fourteen days after we mail or deliver the notice to you ot, (ii) if permitted by applicable law, were posted to your Account after the current Default Rate Effective Date. Your Account will not be subject to a Default Rate for the first twelve billing periods after your Account is first opened, -7- I 910 1211509 1:36:29 PM If your Annual Percentage Rate for purchases, balance transfers or cash advances was increased to a Default Rate, we will, to the extent required by applicable law, periodicaltyreview your Account to determine if any of your Annual Percentage Rates shiouSlier-Mduced. Any reduced Annual Percentage Rates on new and existing balances may be different and may be higher than your previous standard Annual Percentage Rates for purchases, balance transfers andlor cash advances or any promotional rate. Cash Advance Transaction Fee Finance Charges. Unless otherwise specified in a cash advance offer, we will charge you a Cash Advance Transaction Fee FINANCE CHARGE of 5% of the amount of each new cash advance with a minimum Cash Advance Transaction Fee FRVANCE CHARGE of $10 and no maximum. The imposition of Cash Advance Transaction Fee Finance Charges may result in an Annual Percentage Rate for cash advances that is higher than the nominal Annual Percentage Rate, All forms of cash advances, including the use of Discover Card checks, regardless of the purpose for which used, are subject to Cash Advance Transaction Fee Finance Charges. To obtain the total Finance Charge on cash advances for each billing period, we add any Cash Advance Transaction Fee Finance Charges for the billing period charged under this section to any Periodic Finance Charges calculated under the Periodic Finance Charges section for each cash advance transaction category and add up these amounts. Balance Transfer Transaction Fee Finance Charges, Unless otherwise specified in a balance transfer offer, we vAl charge you a Balance Transfer Transaction Fee FINANCE CHARGE of 5% of the amount of each new balance transfer with a minimum Balance Transfer Transaction Fee FINANCE CHARGE of $10 and no maximum. The imposition of Balance Transfer Transaction Fee Finance Charges may result in an Annual Percentage Rate for balance transfers that is higher than the nominal Annual Percentage Rate. To obtain the total Finance Charge on balance transfers for each billing period, we add any Balance Transfer Transaction Fee Finance Charges for the billing period charged under this section to any Periodic Finance charges calculated under the Periodic Finarce 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 Pee Finance Charges may result in an Annual Percentage Rate for purchases that is higher than the nominal Annual Percentage Rate. To obtain the total Finance Charge on purchases for each billing period, we add any Foreign Currency Transaction Fee Finance Charges for the billing period charged under this section to any Periodic Finance Charges calculated under the Periodic Finance Charges section for each purchase transaction category and add up these amounts. Minimum Finance Charge. We will charge you a minimum FINANCE CHARGE of $.50 for any billing period in which Periodic Finance Charges of less than $.SO would otherwise be imposed. Account Set-up Fee Finance Charge. if your Pricing Schedule accompanying your Card includes an Account Set-up Fee, we will charge you a one-time Account Set-up Fee FINANCE CHARGE in the amount indicated when we open your Account. FEES Annual fee if your Pricing Schedule accompanying your Card includes an Annual Fee, we will charge you an Annual Fee in the amount indicated. We will charge you this fee when we open your Account and at the beginning of each anniversary year your Account is open. The Annual Fee is not -8- refundable, except as provided by law. Late Fee. We willcharge you a Late Fee if you have failed, as of the Payment _ Due Date, to make the Minimum Payment Due that was required to bepaid for that billing penoa. The amount of the Late Fee_nbased on tfi sum of all outstandin g purchases, cash advances, balance transfers, other charges, other fees and Finance Charges at the end of the billing period for which we did not receive timely payment it the sum is 5250 or less, the fee is S19. If it is.greater than $250, the fee is $39. Returned Payment Fee We will charge you a Returned Payment fee of $35 each time you pay us with a check or other instrument that is returned unpaid. This fee will also apply if a debit transaction to a deposit account from which you, have authorized us in writing, electronically or orally to periodically deuct all or a part of an amount you owe us under this Agreement 1s returned unpaid. We will charge you this fee the first time any payment is returned unpaid, even if it is paid upon resubmission Returned Discover Card Check Fee. We wilt charge you a Returned Discover Card Check Fee of $35 each time we decline to honor a Discover Card cash advance check, balance transfer check, promotional purchase check, or other promotional check. Pay-By-Phorre. We may from time to time allow you to make payments by authorizing us over the telephone to transfer or pay funds from a deposit account to your Account We will not charge you a Pay By-Phone Fee. Research fee. We may charge you a Research Fee of $5 for each copy of a billing statement or sales slip that you request. However, we will not charge a fee if you request copies in connection with a billing error. DEFAULT AND CANCELLATION Types of Default. You are in default if you become insolvent; if you file a bankruptcy petition or have one filed against you; if we have a reasonable belief that you are unable or unwilling to repay your obligations to us; if you are declared incompetent by a court or if a court appoints a guardian for you or a conservator for your assets; if ru die; if you fail to complywith the terms of this AAggreement, including failing to make a required payment when due, exce=iq your Amount credit line or using your Card or Account for a Prohibited Transaction; or if you fair to make a required payment when due on any other account you have with vs. Consequences of Default if you are in default, we may declare the entire balance of your Account immediately due and payable without notice. If we refer the collection of your Accent to an attorney or employ an attorney to represent us with regard to recovery of money that you owe us we may charge you reasonable attorrceys fees and by r other collection costs as permitted by law and as actually incurred by us, (nduding fees and costs in connection with any appeal. We may delay enforcing or not enforce any of our rights under this Agreement wdhout losing or waiving any of them, Cancellation. You may cancel your Account by notifying us in writing or by telephone and retuning or destroying every card and unvsed check that we have provided you. You can notify us by telephoning 1.800-DISCOVER (1.800-347-2683), or by writing Discover, PO Box 30943, Salt Lake City, UT 84130-0943. of course, you vw s3 be responsible to pay any amount you owe us according to the terms of this Agreement. If your Account its a ant Account, either Cardmember may cancel the Account, but you will 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 return any Card or unused checks to us upon request. -9- I tODCMO 02BOK-TL22JO210_01364 readerlrkdd 11-12 12115/09 1:3829 PM PRIVACY AND OUR COMMUNICATIONS WITH YOU Our Privacy Policy. We may from time to time review your credit, _. employment.and_income_records- e_respect the privaly. of information about you and your Account Our Privacy PoK includes a summary of the personal mformation we collect, when it maybe shared with others, how we safeguard the confidentiality and security of information and the steps you may take to limit our sharing of such information with others. Please read it carefully as it is partof your Cardmember Agreement. Reporting to Credit Reporting Agencies, As indicated in our Privacy Policy, we may report to credit reporting agencies and other creditors the status and payment history of your Account, including negative credit information. Late payments, missed payments or other defaults on your Account may be reflected in your credit report We normally report to such credit reporting agencies each month. If you believe that our report of your Account status is inaccurate or incomplete, please write us at the following address Discover, PO Box 15316, Wilmington, DE 19850-5316. Please include your name, address, home telephone number and Account number. Our Communications with You. You agree that our personnel may listen to or record telephone calls between you and our representatives without additional notice to you, including but not limited to calls we make to collect debts. We may use any medium permitted by law, including but not limited to mail, live telephone calls, automated telephone equipment, prerecorded telephone calls, e-mail and cads to your cell phone to contact you about your Account or to offer you products or services that may be of value to you. if you prefer not to be contacted in one or more of these ways, you must either telephone us at 11-800-DISCOVER (1.800-347-2683) or write to us at Discover, PO Box 30961, Salt Lake City, UT 30961.0951 Releasing Information About Your Account We provide various methods by which you can obtain information about your Account We will only release such information to you, any Authorized User that our records indicate is an authorized buyer on your Account, and any other person with your prior permission, in addition to as provided in our Privacy Policy or as required by law. Our security measures cannot insure against unauthorized inquiries. You agree that we will not be responsible for the release of information to anyone who, even if without your authorization or permission, has gained possession of a Card or has learned other identifying characteristics about you such as your personal identification number, Account number or social security number, Electronic Notices to You. We may offer you the opportunity to receive certain rofices from us electronically rather than through the mail, including monthly billing statements and change of terms notices. The terms and conditions for receiving these electronic communications will be described in the offer. Notices - Changes to Your Information. If you change your e-mail address, mailing address or telephone number you must notify us of your new address or telephone number within 15 days. You can notify us by telephoning 1.80D-DISCOVER (1.800347-2683or by writing Discover, PO Box 30943, Salt Lake City, UT 84130-0943. If your Account is a joint Account any notice we mail to an address you have provided for the Account win serve as notice to both Cardmembers. CLAIMS AND DISPUTES Merchant Disputes. We are not responsible for the refusal of anyone to accept or honor a Card or to accept Checks that we have provided you. if a merchant fails to provide your purchase to your satisfaction and you - t0 - request a credit to your Account, we will investigate the dispute. If we resolve the dispute in your favor, we will issue a credit to your Account and you will be deemed to have assigned to vs your claim against the merchant `andlor'anythird party-fur the credited- amount Upon our request; you - agree to provide us month written evidence of such assignment. Claim Notices. In the event that you or we have a claim that arises from or relates to your Account, any prior account you had with us, your application, the relationships which result from your Account or the enforceability of the Agreement or any prior agreement, before initiating, joining or participating in anyjudicia! or arbitration proceeding, as either an individual litigant or member of a class ("Proceeding"), the complaining parry shall give the other party: (1) a written notice of the claim ("Claim Notice"), at feast 15 days before initiating any Proceeding, explaining in reasonable detail the nature of the claim and any supporting facts; and (2) a reasonable good faith opportunity to resolve the claim without the necessity of a Proceeding. This includes any claims involving our parent corporation, subsidiaries, affiliates (including, without limitation, DFS Services LLC), predecessors, successors, assigns, as well as the officers, directors and employees of each of these entities. Any Claim Notice shall be sent to us at Discover, PO Box 3024, New Albany, OH 43054 (or such other address as we shall subsequently provide to you) (the "Claim Notice Address's or to you at your address appearing in out records or, if you are represented by counsel, to your attorney at your attorney's office. Arbitration of Disputes. Agreement to arbitrate. In the event of any past, present or future claim or dispute (whether based upon contract, tort, statute, common law or equity) between you and us arising from or relating to your Account, any prior account you have had with us, your application, the relationships which result from your Account or the enforceability or scope of this arbitration provision, of the Agreement or of any or agreement, you or we may elect to resolve the claim or dispute by big arbitration. IF EITHER YOU OR WE ELECT ARBITRATION, NEITHER YOU NOR WE SHALL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR TO HAVE A JURY TRIAL ON THAT CLAIM. PRE-HEARING DISCOVERY RIGHTS AND POST-HEARING APPEAL RIGHTS WILL BE LIMITED. NEITHER YOU NOR WE SHALL BE ENTITLED TO JOIN OR CONSOLIDATE CLAIMS IN ARBITRATION BY OR AGAINST OTHER CARDMEMBERS WITH RESPECT TO OTHER ACCOUNTS, OR LITIGATE IN COURT OR ARBITRATE ANY CLAIMS AS A REPRESENTATIVE OR MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY ("Class Action Waiver"). Notwithstanding anything else to the contrary in this arbitration promon, onlya court, and not an arbitrator, shall determine the validity and effect of the Class Action Waiver. Even if all parties have opted to litigate a claim in court, you or we may elect arbitration with respect to any claim made by a new party or any new claims later asserted in that lawsuit and nothing undertaken therein shall constitute a waiver of any rights under this arbitration provision. We will not invoke our right to arbitrate an individual claim you bring in small claims court or your state's equivalent court, if any, unless such action is transferred, removed or appealed to a different court. Govemirlg Law and Rules. Your Account involves interstate commerce and tfib provision shall be governed by the Federal Arbitration Act (FAA). The arbitration shall be conducted, at the option of whoever files the arbitration claim, by either the American Arbitration Association (AAA) or JAMS in accordance with their procedures in effect when the claim is filed. For a copy of their procedures, to file a claim or for other information, contact AAA at 335 Madison Ave., Floor 10, New York, NY 10017-5905, -11• I 10DCM0_02BOK_TL22J0210_01364 reader.indd 13-14 12/15/09 1:36:29 PM w,,vw.adr,org (phone 1-800.778.7879) or JAMS at 520 Eighth Ave.. Floor 34, New York, NY 10018, www,jamsadreom (phone 1.800352-5267). No other otWt-ti- f-im will ho nwmittnri PxrPnt as acreed to oursuarit to either if neither AAA nor JAMS is able or willing to serve as the arbitration administrator and we and you are unable to agree on a replacement administrator or arbitrator, then a court of competent jurisdiction will appoint an administrator or arbitrator or arbitrators (in the case of an appeal to a panel of three arbitrators as described below). Unless consented to by all parties, no arbitration may be administered by any administrator or arbitrated by any arbitrator that has any formal or informal policy, rule or procedure that is inconsistent with or purports to override the terms of this section. If we elect to resolve a claim or dispute by binding arbitration and the arbitrator issues an award in your favor on a claim or claims with respect to which you would not otherwise be entitled to recover your arbitration filing, administrative and hearing fees, reasonable attorneys' fees and/or other arbitration costs, we will be responsible for paying or reimbursing such costs and fees if awarded by the arbitrator. Fees and Costs. At your written request, we will advance any arbitration filing, administrative and hearing fees which you would be required to pay to pursue a claim or dispute as a result of our electing to arbitrate that claim or dispute. Send requests to Discover, PO Box 3D421, Salt Lake City, UT 84130-0421. The arbitrator will decide who will ultimately be responsible for paying those fees. You will only be responsible for paying or reimbursing our arbitration filing, administrative or hearing fees to the extent you would have been responsible for paying 'attorneys' fees and court or other collection costs" had the action proceeded in court. In no event will you be required to pay any fees or costs incurred by us in connection with an arbitration proceeding where such a payment or reimbursement is prohibited by applicable law. Hearings and Decisions. Any arbitration hearing will take place in the federal judicial district where you reside. The arbitrate shall follow applicable substantive law to the extern consistent with the FAA and applicable statutes of limitations and shall honor claims of privilege recognized at law and shall be authorized to award all remedies permitted by the substantive laws that would apply if the action were pending in court. If r uested by any party, the arbitrator shall write an opinion containing the reasons for the award. The arbitrator's decision will be final and binding except for any appeal rights under the FAA and except that if the amount in controversy exceeds 11100,000, arty parrttyy may appeal the award within 30 days to a three-arbitrator panel, wf % shall review the award de novo. Unless applicable law provides otherwise, the appealing party will pay the cost of the appeal, regardless of its outcome. However, we will consider in good faith any reasonable request for us to bear the fees charged by the arbitration administrator and the arbitrators in connection with the appeal. Judgment upon arry award by the arbitrator may be enforced in any court having jurisdiction. Other Beneficiaries of this provision. Our rights and obligations under this arbitration provision shall inure to the benefit of and be binding upon our parent corporations, subsidiaries, af88ates (inducting, without 1'imbtion, DFS Services LILQ predecessors, waessors, assigns, as weft as the officers, directors and employees of each of these entities, and will also inure to the benefit of any third party named as a codefendant with us or with any of the foregoing in a claim which 1s subject to this arbitration provision. Your rights and obligations under this arbitration provision shall inure to the 12- benefit of and be binding upon all persons contractually liable under this Agreement and all Authorized Users of the Account. of your Account as well as voluntary pa ent in full by you, any legal proceedings by us to collect a debt owed by you, any bankruptcy by you and any sale by us of your Account. Right to Reject Arbitration. You may reject the Arbitration of Disputes section by providing us a notice of rejection within 30 days after receiving a Card, at the following address: Discover, PO Box 30938, Salt Lake City, UT 841300938. If you were previously subject to arbitration with respect to any account with us, this right to reject arbitration will not apps to you. Your rejection notice must include your name, address, fete -)shone number, Account number and signature and must not be sent with any other correspondence- Calling us to indicate that you reject the Arbitration of Disputes section or sending a rejection notice in a manner or format that does not comply with all applicable requirements is insufficient notice. In order to process your notice, we require that the notice be provided by you directly and not through a third party. Rejection of arbitration wdl not affect your other rights or responsibilities under this Agreement or your obligation to arbitrate disputes under any other account as to which you and we have agreed to arbitrate disputes. If you do not send a rejection notice, you will be obligated by the Arbitration of Disputes section with respect to this and any prior account you have had with us, even if you have previously sent a rejection notice with respect to that prior account. LEGAL INTERPRETATION OF THIS AGREEMENT Sever ability. If any part of this Agreement becomes unenforceable, it will not make any other part unenforceable, except that if the Class Action Waiver set forth above in the Arbitration of Disputes section is invalidated in any proceeding in which you and we are involved, then the Arbitration of Disputes section will be void with respect to that proceeding. Compliance with interest Rate Limitations. We intend that this Agreement will comply with applicable interest rate limitations. You will not be required to pay Finance Charges or other charges at a rate that is greater than the maximum amount permitted by law, if h is ever finally determined that, but for this section, the Finance Charges or other charges under this Agreement would exceed the maximum lawful amount the Finance Charges and other charges Will be reduced to the maximum lawful amount. Any excess amount that you have already ppaid will be used to reduce the outstanrJrlg balance of your Account or will be refunded to you by means of a check in our discretion. Governing Law, This Agreement and any claim or dispute arising out of this Agreement will be governed by applicable federal taw and, to the extent state law applies Delaware law. ASSIGNMENT OF ACCOUNT We may sell, assign or transfer your Account or any portion thereof without notice to you. You may not sell, assign or transfer your Account without first obtaining our prior written consent. PRIVACY POLICY we are required by federal law to provide you with a copy of our Privacy Poficy each year. N you have previously notified us about your privacy preferences, as described in Section 4, R is not necessary to do so again unless you decide to change your preferences. •13- r000MO-_0290K_TL2230210_01364_reader.indd 1516 12!16109 1:36:29 PM We Respect Your Privacy Our mission is to provide you with superior products and services along with the. peace otmind.knowing-thattb.e security.of.yourpersonal Lnformat gn_i; our top priority. We understand your concerns about guarding information about you and your Account. We want to assure you that we have taken steps, and will continue to take steps, to safeguard that information. This Privacy Policy describes our efforts to meet these objectives. It includes a summary of the following important information: • A listing of the personal information we collect; • The circumstances in which we may share information with others; • The ways we safeguard the confidentiality and security of information; and The steps you may take to limit our sharing of such information with others. See Section 4 for complete details. Please read our Privacy Policy carefully. It will help you understand how we collect and share information. 1. What Personal Information Do We Collect? To serve you better and manage out business, it is important that we collect and maintain accurate personal information about you. We obtain this information from applications and other forms you submit to us, from your dealings with us and others, from consumer reporting agencies, and from other sources, such as our Web sites. For example: • We may obtain information such as your name, address and date of birth from applications and other forms you submit to us. • We may obtain information such as Account balances, payment history, your use of your Account and the ttyyppes of setvices you prefer from your transactions and other dealings with us and others. • We may obtain information such as the balances of your loans with other lenders and your payment history with others from consumer reporting agencies. • We may obtain information such as your Internet service provider, your e-mail address, your computer's operating system and Web browser, your Web site use and your product and service preferences from your visits to Web sites. 2. Is Personal Information Shared with Others? We limit the sharing of information with others. Many of the offers you receive for products and services are provided directly to you from us. For example a retailer that accepts the ascover® Card may come to us with a special offer for Cardmembers, such as a discount certificate or product upgrade. After careful consideration of the nature of the offer and the company, we will create a M of Cardmembers who may be interested in the offer based on certain characteristics. We will send the offer directly to those Cardmembers on behalf of the retailer by for example, including an insert in their monthly billir?9 statement or mailing the offer ourselves. We control the information used to make the offer; we do not share the list or any information about our Cardmembers with the retailer. However, please understand that if you do receive this type of offer from us and choose to take advantage of it the retailer may then learn information about you because only Cardmem hers with certain characteristics received the offer. There are, however, circumstances in which we may share the information we collect about you, as described in section 1, with other companies in order to provide you with access to products and services and to service your Account effectively, as detailed below. We require these commies to adhere to our privacy standards and to use this information only for the .14• limited purpose for which it was shared. We do not allow them to discicse it to others without our prior approval. a, Sharing Personal Information with Our Corporate Family Our corporate family offers a variety of productsandservices that can help you manage your finances. In order to provide you with access to these products and services, we may share the information we collect about you, as described in Section 1, with other members of our corporate family. These companies include financial service providers that offer credit protection, card servicing and payment processing services. b. Sharing Personal Information with Non-Affiliated Parties for Marketing Purposes We may share the information we collect about you, as described in Section 1, with non-affiliated third parties including those that accept the Discover Card, in order to provide you with access to products and services offered directly by these companies that may be of value to you. These companies induce financial service providers, such as insurance companies, and non- financial companies, such as retailers, c. Sharing Personal Information wiHh Others We may share the information we collect about you, as described in Section 1, with companies that perform support or marketing services on our behalf, such as mating, market research and data processing; other financial institutions with which we have joint marketing agreements; or companies that are our partners for co-brand credit card programs or reward programs. We may also share such information as permitted by law. 3. How Do We Protect the Confidentiality, Security and Integrity of information about You? We maintain physical, eleetron)c and procedural safeguards to protect the information we collect about you. Access to such information is restricted to individuals who need it in orderto service your Account or provide products and services to yau, and who are trained in the proper handling of such information. Employees who violate these confidentiality requirements are subject to our disciplinary process. Where third parties provide support services, we require them to conform to our privacy standards. It is important that the information we maintain about you is accurate and complete. If you see information in your monthly billing statements or elsewhere which suggests that our information is incomplete or inaccurate, please write to us at Discover, PO Box 30943, Salt Lake City, UT 841340943 so that we can update this information. 4. How Can You Limit Sharing of Information About You? We respect your privacy and offer you choices as to whether we may share information aboutyou with others. You havethe option totell us nottoshare the information we collect about you, as described in Section 1, with non- affiliated third parties. You also have the option to tell us not to share the information we collect about you, as described in Section 1, with companies in our corporate family. If you indicate a preference for either of these options, please understand that you may not receive offers for products and seances provided by other companies that could help you lower your costs maximize your financial resources, or manage your finances. To indicate your preferences, ease call us at 1225.5202 or write to Discover, PO Box 30461, Sat Lake City, UT 84130-0961, If you have previously notified us about your privacy preferences, it is not necessary to do so again unless you decide to change your preferences. Your written request should include your name, address, telephone number and Account number(s) and should not be sent with any other correspondence. In order .15- tODOMO_02BOK_TL72JO210 01364_readarkdd 17.18 72/15109 1:36:30 PM to process your request, 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.aed t card account you Kaye with us. You may notify us about your preferences at any time. Your request will remain m effect until you notify us otherwise. We will honor your request and not share this information excepptt as permitted by law. For example, federal law permits us to stare intimation about you with consumer reporting agencies, service providers and financial institutions with whist we have loint marketing agreements, If you area new Cardmember, we will not share any information about you, except as permitted by law, for thirty days after we provide this Policy to you in order to give you an opppoorrttunity to inform us about your preferences. If you are an existing Cardin •nimhber, please understand that you may continue to receive marketing offers directly from other companies that were already in production prior to the on which the error or problem appeared. You can telephone us, but doing so wi I not preserve your rights. In.your_letter_give us he following information: __ • your name and Account number, • your dollar amount of the suspected error. • describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not sure about. If you have authorized us to pay your credit card bill automatically from your savings or checking account, you can stop the payment on any amount you think is wrong. To stop the payment, your letter must reach us three business days before the automatic payment is scheduled to occur. 2 Your Rights and Our Responsibilities After We Receive Your Written Notice processing of your request. This Privacy Policy is provided to the primary Cardmember listed on the Account However, any joint Cardmember has the right to notify us about preferences and we will treat that request as applying to the entire Account We do not share information about former customers, except as permitted by laze This notification supersedes all previously iited Privacy Policies, We reserve the right to amend this Privacy Policy from time to time and we will notify you 0 we do so. This Privacy Policy is provided to you by Discover Bank and its subsidiaries, which currently include GTC Insurance Agency, Inc. and Discover Products Inc. Unless otherwise specified, it applies to the family of Discover Cards for consumers and the products and services offered in connection with those Cards, including the Wallet Protection card registration service (with the exception of any information registered in connection with the service, which will not be shared). It is part of your Cardmember Agreement and provides a further explanation of how we collect and share information. You may have other rights under state laws that apply to this information. Please note that you will also receive privacy notices for other credit card accounts you have with us, as well as other financial products and services provided to you by us and our affiliates. You will need to indicate your preferences far each of these separately as disclosed in the notice. Vermont Residems-Your state law requires financial institutions to obtain your consent pnor to sharing information about you with others. Except as permitted by law we will not share information we collect about you with non-affiliated third parties or companies in our corporate family unless you call us at 14MO-DISCOVER (1-800-347-2683) and authorize us to do so. California Residents-Your state law requires financial institutions to obtain your consent prior to sharing information about you with non-affiliated third parties Except as permitted by law, we will not share information we collect about you with non-affiliated third parties while you are a resident of California. Your Billing Rights KEEP THIS NOTICE FOR FUTURE USE This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. 1. Notify th in Case of Errors or Questloris About Your Bill If you think your bill is wrong or if you need more information about a transaction on your bill, write us on a separate sheet of paper at the address listed on your bill for Notice of Billing Errors, write to in as soon as possible. We must hear from you no later than 60 days after we sent you the first bill -16- We must acknowledge your letter within 30 days, unless we have corrected the error by then. Within 90 days, we must either correct the error or explain why we believe the bill was correct. After we receive your letter, we cannot try to collect any amount you question or report you as delinquent We can continue to bill you for the amount you question, including finance charges and we can apply any unpaid amount against your Account credit limit You do not have to pa airy questioned amount while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. If we find that we made a mistake on your bill, you will not have to pay any finance charges related to any questioned amount If we didn't make a mistake, you may have to pay the finance charges, and you will have to make up any missed payments on the questioned amount In either case, we will send you a statement of the amount you owe and the date that it is due, If you fail to pay the amount that we think you owe, we may report you as delinquent However, if our explanation does not sat6dy you and you write us within ten daystelling us that you still refuse to pay, we must tell anyone we report you to that you have a question about your bill. And, we must tell you the name of anyone we reported you to. We must tell anyone we report you to that the matter has been settled between us when it finally is. If we don't follow these rules, we can't collect the first $50 of the questioned amount, even if your bill was correct. 3. Special Rule for Credit Card Purchases If you have a problem with the quality of goods or services that you purchased with a credit card, and you tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the goods or services. There are two limitations on this right: (a) you must have made the purchase in your home state or, if not within your home state, within i00 miles of your current mailing address; and (b) the purchase price must have been more than $50. These limitations do not apply N the own or operate the merchant or if we mailed you the advertisement for the goods or services. 4. Purchases Made with Checks or Cash Advances The Special Rule for Credit Card Purchases does not apply to purchases made with a balance transfer check, cash advance or promotional purchase check. Therefore, if you have a problem with the quality of goods or 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. 17- I TL22JO210_01364_reader,indd 19-20 IV15109 1r36:30PM DESCRIPTION OF COVERAGE SCHEDULED AIR TRAVEL ACCIDENT INSURANCE Discover® Cardmembers are .provided with $500000 Scheduled Air Travel Aidknt'-Insuranne? You, your Spouse, Domestic Partner or eligible De endent Children for whom a ticket was purchased on your Card (as defined below) will be automatically insured against Accidental Loss of Life arising from and occurring on a Covered Trip while you, your Spouse, Domestic Partner or eligible Dependent Children for whom a ticket was Purchased on your Card are riding as a passenger in or entering exRing or being struck by a Scheduled Aircraft or a conveyance operated by a military transport service or riding as a passenger in or entering or exiting any conveyance licensed to carry the pubic for a fee and while traveling directly to or from the airport immediately precedingg the departure of a scheduled Aircraft on which the Insured Person haspurchased passage and immediately following the arrival of a Schedule Aircraft on which the Insured Person was a passenger. *Coverage is underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies, Certain limitations and exclusions apply. PLAN FEATURES THE BENEFITS: The full Benefit Amount ($500,000) is payable for Accidental Loss of Life. The Loss must occur within one year of the Accident. MAXIMUM LIMIT OF INSURANCE: 0 more than one Insured Person suffers a Loss in the same Accident, the Company will not pay more than the maximum limit of insurance ($20,DW, O) per Accident. If an Accident results in Benefit Amounts becoming payable, which when totaled, exceed the applicable limit of insurance shown above, the maximum limit of insurance will be divided proportionally among the Insured Persons, based on each applicable Benefit Amount. In the event of multiple Accidental deaths per Account arising from any one Accident, the Company's liability for all such Losses will be limited to a maximum limit of insurance equal to two times the applicable Benefit Amount for Loss of Life. Benefits will be proportionately divided among the Insured Persons up to the maximum emit of insurance. DEFINITIONS: Accident or Accidental means a sudden, unforeseen and unexpected event happening by chance, and indudes unavoidable exposure to elements arising from a covered Hazard. Accidental Bodily In Wiesl means bodily injury which is Accidental, is the direct source of a Loss, is independent of disease, Bkness or other cause and occurs while this policy is in force. Account means a Card account. Benefit Amount means the Loss amount at the time the entire cost of the passenger fare is charged to an Account Card means the Discover Card. Cardmember means the holder of the Card whose name appears on the credit card. Co m means the Federal Insurance Company. Cov i means travel on a Scheduled Aircraft when the entire cost of the passenger fare far such transportation, less redeemable certificates, vouchers or coupons, has been charged to the Insured Person's Account DeoendeI Child or Children means those children, including adopted chi dren and those children placed for adoption, who are primarily dependent upon the Insured Person for maintenance and support and who - tg_ are: (1) under the age of 19 and reside with the Insured Person; (2) beyond the aggeof 19, permanently mentally or physically challenged and incapable of se#support; or (3) under the age of 2S and classified as full-time students at an. institution of higher learning. Domestic Partner means a person who: (1) is at least IS years of age and competent to enter into a contract; (2) is not related to the Insured Person yeWoott (3) has date of en r elived with the nrollment; (4) is not legally married or s m? one and (S as to of the the date of enrollment, has with the Insured Person at oat least two of the following financial arrangements: (a) a joint mortgage or lease; (b) a joint bank account (c) joint tide to or ownership of a motor vehicle or status as a joint lessee on a motor vehicle lease; or (d) a joint credit card account with a financial institution. Neither the Insured Person nor the Domestic Partner can be married to, nor in a civil union with, anyone else. Hmid means the covered circumstances for which this insurance is provided as stated in Section III of the Declarations, Hazards, and described in the Hazards form, as described on page 1 of this Description of Coverage- insured Person means all Cardmembers, their spouses, Domestic Partners and Dependent Children, as well as authorized users of the Account. UM means the Loss of Life. Loss of Fife means death, including clinical death determined by the local governing medical authorities. V p means DFS Services LLC, the entity responsible for the payment of remnrrri. Scheduled Aircraft means an aircraft owned and/or operated by a Scheduled Airline. Scheduled Airbne means an airline which is either of United States registry and certified by the United States government to carry passengers on a regulmly 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 autbof4 If there is no declaration of War, then (1) armed, open and continuous hostilities between two countries or (2) armed, open and continuous hostilities between two factions, each in control of territory, or claiming jurisdiction over the site of the area of hostility. DISAPPEARANCE BENEFITS: If the Insured Person has not been found within one year of the disappearance, stranding, sinking, wrecking or breakdown of any Scheduled Aitaait or conveyance in which the Insured Person was covered as an occupant, it will be assumed, subb??'ect to all other terms of the policy, that the Insured Person has suffered Loss of life covered under this policy. EXPOSURE BENEFITS: Accident includes unavoidable exposure to elements arising from a covered Hazard. EUGIBILTff. is insurance plan is provided to Insured Persons automatically when the entire cost of the passenger fare(s) on a Scheduled Airline is charged to the Cardmember's Account while the insurance is effective. it is not necessary for you to notify the Policyholder or the Company when Schedkded 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 Car imember. Your insurance coverage under this insurance plan will cease 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 _tg- 1ODCMO_0260K TL2=210_0136d-joadar.indd 21-22 12115/09 1:36:30 PM I Inured Persons for Covered Trips. Policyholder pays the full cost of the insurance. _ _.THE.BENEFICIARY;_The_Lossof life benefit_will be paid-to-the beneficiarryy designated bbyy you. If no such designation has been made, that benefit will be paid to the first surviving benefidarryy in the following order. a) your spouse; b) your children; c) your parents d) your brothers and sisters, e) your estate. All other indemnities will be paid to you. If you wish to change your beneficiary, you may request a beneficiary designation form byy writing to the plan administrator at: The Direct Marketing Groupp, 6x.,13265 Bedford Avenue, Omaha, NE 68164 or at Benefidaryrequest®T heDirectMG.com. EXCLUSIONS: This insurance plan does not cover Loss resulting from: (1) an Accident occurring while an Insured Person is in, entering, or exiting any aircraft owned, leased or operated by this Policyholder or any aircraft owned, leased or operated by an employee of the Policyholder on behalf of the Policyholder (this exclusion does not apply to aircraft chartered with pilot or crew on one time charter basis), (2) an accident while an Insured Person is in, entering, or exiting any aircraft while acting or training as a pilot or crew member (this exclusion does not apply to passengers who temporarily perform pilot or crew functions in a life threatening emergency); (3) emotional trauma, mental or physical illness, disease, pregnancy, childbirth or miscarriage, bacterial or viral infection, or bodily malfunctions (except bacterial infection caused by an Accident or from Accidental consumption of a substance contaminated by bacteria); (4) suicide, attempted suicide or Loss that is intentionally self-inflicted; or (5) declared or undeclared War. CLAIM NOTICE: Written claim notice must be given to the Company within 90 days after the occurrence of any Loss covered by this pof€cy or as soon as reasonably possible. Failure to give notice within 90 days will not invalidate or reduce any otherwise valid claim if notice is given as soon as reasonably possible. CLAIM FDRMS:When the Company receives notice of a claim, the Company will send you forms for giving proof of Loss to us within 15 days. If you do not receive the forms, you should send the company a written descnpuon of the Loss, CLAIM PROOF OF LOSS: Complete proof of Loss must be given to Company within 90, days after the date of Loss, or as soon as reasonably possible. Failure to give complete proof of Loss within these time frames will not invalidate any otherwise valid claim if notice is givers as soon as reasonably possible and in no event later than one year after the deadline to submit complete proof of loss. CLAIM PAYMENT: The Company will pay you or your beneficiary the applicable Benefit Amount within 60 days after complete proof of Loss a received and if you, the Policyholder andlor the benefidary have complied with all the terms of the policy. ARBITRATION: in the event of a dispute under this policy, either the Company or the Insured Person may make a written demand for arbitration. In that case, the Company and the Insured Person will each select an arbitrator. The two arbitrators will select a third. If they cannot agree within 15 days, either the Company or the Insured Person may request that the choice of arbitrator be submitted to the American Arbitration Association. The arbitration will be held in the state of the Insured Person's principal residence. IF YOU HAVE ANY CLAIM RELATED QUESTIONS, PLEASE CALL THE CLAIMS SERVICE CENTER AT 1-800-CLAIMS-0 (1-800.2524670). 20 - You can also go to the Company Web site (www.chubb.com), dick on Report a Loss, select Accident, Benefits and Life claims, select the appropriate form, print out the claim form, fill out and mail. You can file a'claimbymail-orfax. , ---- _ ---- ...--- Mailing Address: CHUBB GROUP OF INSURANCE COMPANIES CLAIMS SERVICE CENTER 600 INDEPENDENCE PARKWAY PO BOX 4700 CHESAPEAKE, VA 233274700 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 summary of the principal provisions of the insurance while in effect. Complete policy provisil are contained in the Master Policy, which can be obtained from fhe Policyhdder., Policy 49906.18-06 Policy Underwritten By Plan Administrator Federal Insurance Company The Direct Marketing Group, Inc. a member insurer of the 13265 Bedford Avenue Chubb Group of Insurance Companies Omaha, NE 68164 15 Mountain View Road, PO Box 1615 Warren, N107061-1651 DESCRIPTION OF COVERAGE SECONDARY RENTAL CAR COLLISION COVERAGE Discover4i Cardmembers an benefit from the security and safety offered through Excess Collision Damage Waiver. If you rent a vehicle for 31 consecutive days or less (or 45 days under certain circumstances described below) with your Card (as defined below), you may be eligible for benefits under ft coverage, Excess Collision Damage Waiver is an insurance program, underwntten by Federal Insurance Company Policy #9906-11-63 (the "Poliy. DEFINITIONS: Acco means a Card account. Actual Cash Value means the cost to repair or replace the Rented Automobile- at the time of loss, less depredation. Card r means the holder of the Card whose name appears on the credit card. Card means the Discover Card. Cdlisian Damage means the direct and accidental damage to a Rented Automobile caused by upset or collision with another object. Collision Damage does not include loss caused by missiles, falling oblects, fire, theft or larceny, explosion, earthquake, windstorm, hail, water, flood, malicious mischief or vandalism, riot or civil commotion. Comrranv means the Federal Insurance Company. cried means Cardmembers and authorized users of the Account. Pol means DFS Services LLC, the entity responsible for the payment of premium. Rental Agency means a commercial automobile rental company licensed under the laws of the applicable jurisdigion. Rented Automobile means a faun-wheeled private passenger type motor vehicle or a minivan manufactured and designed to transport a maximum of seven passengers and used excursively to carry passengers. A Rented Automobile must be designed for travel on public roads and rented from Rental Agency. 21- 10DCM0_02BOK_T192Jr1210_0136h reader.indd 23.24 1y16r09 136:31 PM TO GET COVERAGE: • The Collision Damage Waiver Coverage is provided to you, as an charged or debited to your Account. It is not necessary for you to notity the Company at the time the rental fee is charged or debited to your Account. • You must decline the LosslDamage Waiver offered by the vehicle Rental Aen. • You mryi st rent the vehicle in your own name and sign the vehicle rental agreementkontract. < The coverage period will not exceed 31 consecutive days, or 45 consecutive days if the Insured is an employee of an organization which has provided a Card to the Insured for business use. THE KIND OF COVERAGE YOU RECEIVE in consideration of the premium paid by the Policyholder as required, and subject to all the tam of the Policy, the Company agrees to reimburse on an Actual Cads Value basis either the Insured or the RentalAgency for repair or replacement of the Rented Automobile as a result of Collision Damage to the Rented Automobile. The Company's liability will be for a maximum reimbursement of $25,000. M no event will the Company be liable beyond the amounts actually paid by the Insured or the Rental Agency, • If you or an Insuredss primary vehicle insurance or other coverage has made payment for a covered loss, Excess Collision Damage Waiver will cover your deductible and any other eligible amounts not covered by other msurance. • This coverage is not all-inclusive, which means it does not cover such things as to per" oche m or personal liability. It does not cover you for any damages other veh-des or property. It does not cover you for arty injury to any party. WHO IS COVERED: • Discover Cardmembers EXCLUDED RENTAL VEHICLES: off-road, antique or limited edition motor vehicles; trucks; recreational vehicles, campers, pickup trucks, and mini-buses; limited edition motor vehicles or high value, exotic, high performance or collector type. High value motor vehicles are motor vehicles whose replacement value exceeds SS0,000, and antique motor vehicles are defined as any vehicle over 25 years old, or any vehide which has not been manufactured for 10 years or more. WHERE YOU ARE COVERED: • Coverage applies to vehicles rented anywhere in the world. • Coverage is not available where prohibited by law. WHAT IS NOT COVERED. Coverage does not apply to loss resulting from the following: • Any dishonest frauddullent or criminal act of the Insured. • Forgery by the Insured. • Loss due to war or confiscation by authorities. • Loss due to nuclear reaction or radioactive contamination. • The Insured being intoxicated, as defined by the laws of the jurisdiction where the loss occurred, or under the influence of any narcotic unless prescribed by a physician. • Use of the Rented Automobile to carry passengers and property for hire. • Use of the Rented Automobile by a person other than the one authorized to operate the Rented Automobile by the terms of the Rental Agreement. _22- I t000M0_02801tTt.22JO210_61364_readelindd 25.26 • Loss of use of the Rented Automobile. • Intentional damage to the Rented Automobile bythe Insured. • Damagewhich is due and confined to wear and tear, freezing, mechanical ore Wdrkalbreakdownorfaiiure • Damage to tires unless the loss is coincident with a covered loss. • Use of the Rented Automobile in tests, races or contests. • The Rented Automobile being operated or located in any territory prohibited by the terms of the Rental Agreement FOR INSUREDS WHO ARE NEW YORK STATE RESIDENTS, To the extent that this plan provides insurance against damage to a rented motor vehicle, the following terms and conditions apphr (1) the period of insurance coverage will not exceed 31 consecutive days or 45 consecutive days if the Insured is an employee of an orgazxzaUon which has provided the Card to the Insured for business use; and (2) the insurance provided by this plan will be excess over any other valid and cottectible insurance cover- ing the Rented Automobile. However, the insurance {xovided under this plan may be primary R specifically provided for under the terms of this plan and if the following criteria 1s met (a) the Rented Automobile is rented for use outside the United States, its territories and possessions, (b) the Insured is an employee of an organization which has provided the Card to the Insured for business use; and (c) the Rented Automobile is rented without a driver. HOW TO FILE A CLAIM UNDER EXCESS COLLISION DAMAGE WAIVER: In the event of a claim, written or verbal notice must be provided as soon as teasonably possible. IF YOU HAVE ANY CLAIM RELATED QUESTIONS, PLEASE CALL THE CLAIMS SERVICE CENTER AT 14DO-C AIMS-0 (1400.252-4670). You can also go to the Company Web site (www.dwbb com), dick on Report a I=, select Accident, Benefits and Life ddmA seledthe appropriate form, print out the claim form, fill out and mail. You can file a claim by mall or fax Mailing Address: CHUBB GROUP OF INSURANCE COMPANIES CLAIMS SERVICE CENTER 600 INDEPENDENCE PARKWAY PO BOX 4700 CHESAPEAKE, VA 23327-4700 Fax Number 1.600-300-2536 CLAIM PROCEDURE: The Insured must send the Company written notice of a claim, including the Insureds name and Policy number, within 90 days after a covered loss occurs. If notice cannot be given within that time, it must be given as soon as reasonably possible. To file a sworn Proof of Lou, the Insured must send the following information to the Company or its authorized representative: • A copy of the Account statement showing the automobile rental transaction. • A copy of the automobile rental agreement. • A copy of the police report. • A copy of the initial claim report submitted to the automobile Rental Agency. • A copy of the paid claim presented by the automobile Rental Agency for the Collision Damage for which the Insured is respornible. • Proof of submission of the loss to, and the results of any settlement or denial by the applicable insurance tamer(s). - 23 12115/09 1:36:31 PM • If no other insurance is applicable, a notarized statement from the Insured of any fraud or false swearing by the Policyholder or its subscribing to that effect. organization(s) relating hereto. Reminder-,Please refer to.the.Insurance.Disclosures.section. ... ........ . Addition of New lnsureds All_eligible,persoruvnll be_automatically insured INSURANCE DISCLOSURES under this Pohcy. Examination Under Oath: it is a condition of this insurance that the Insured As a handy reference guide, please read thisdocument and keep it in a safe place with your other insurance documents. This Summary of Coverage is and the Policyholder, as often as may be reasonably required by the and within its power cause others to submit, to will submit Company not a contract of insurance but is simply an informative statement to eligible Insureds of the principal provisions of the insurance while in effect , , exanunations under oath and will produce for examination all writings, bills, invoices and other vouchers, or certified copies books of account Complete provisions pertaining to this plan of insurance are contained in the master policy on file with DFS Services LLC, herein referred to as the , 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 Policyholder. If statement in this Summary of Coverage and any provision and copies thereof to be made. No such examination under oath, in the policy differ, the policy will govem. examination of documents or any other act of the Company, its empl i f l Polity Underwritten By Plan Administrator " oss or a m any or representatives in connection with the investigation o ll d d ) The Direct Marketing Group, Inc. Federal Insurance Company ("Company eeme to be will be deemed a waiver of any defense and such ads sha a member of the 13265 Bedford Avenue have been made or done without prejudice to the Company's liability. Chubb Group of Insurance Companies Omaha, NE 68164 No Benert to Others: This coverage will in no way inure directly or indirectly 15 Mountain View Road, PO Box 1615 to the benefit of any insure[ person or organization or other bake. Warren, N107061-1651 9906.17-63 N b P li Subrogation; It is a condition of this insurance that if the Company pays the n d transfer an claim i d t i i h i ll um er: Master o cy y g an nsure o ass requ re t e t wi Insured for a loss, ht f ' ' tt ind 'd I fine or cor oration for such loss to Effective date of benefits: Effed'nre April 1, 2007, this guide replaces all prior disclosures, pr ram descriptions, advertising, and/or brochures by any party. Polityholer and Company reserve the right to change the benefits and features of these programs at any time. Cancedatiorr. Policyholder can cancel these benefits at any time or choose not to renew the insurance coverage for all authorized Cardmembers. If Policyholder does cancel these benefits, you will be notified at least 60 days in advance. Ifthe Companyterminirtes, cancels, ordmses notto renewthe coverage to Policyholder, you will be notified as soon as is practicable, Insurance benefits will still apply for any benefits you were eligible for prior to the date of such terminations, cancellation, or non-renewal, subject to the terms and conditions of coverage. Benefits to you: These benefits apply only to Cardmembers whose cards are issued by U.S. financial institutions. The United States is defined as the 50 United SStates, the District of Columbia, American Samoa, Puerto Rico, Guam and the U.S. Virgin Islands. No person or entity other than the Cardmember shall have any legal or equitable right, remedy, or claim for insurance proceeds and/or damages under or arising out of this coverage. These benefits do not ap?1y if yore Card colleges have been cancelled. However, insurance benefits will soil apply for any benefit you were eligible for prior to the date that your Account is suspended or cancelled subject to the terms and conditions of coverage of your Cardmember Agreement. Transfer of rights or benefits: No rights or benefits provided under these insurance benefits may be assigned without the prior mitten consent of the company, Misrepresentation and Fraud: Coverage of the Insured will be void if, at any free, the Insured has concealed or misrepresented any material fact or circumstance corneming this coverage or the subject thereof or the interest of the Insured herein, or in case of any fraud or false swearing by the Insured relating thereto. Coverage for an Insured will be void if, whether before or after a loss, the Policyholder or its subscribing organization(s) has concealed or misrepresented any material fact or circumstance concerning this coverage or the subject thereof or the interest of the Insured therein, or in case -24- or rig o action age n any / anua , p the Company or subrogate or hold in trust all such rights to the extent of the amount paid. The Insured will agree to take action as requested by the company to enforce such rights. Upon payment by the Company to the Insured, the Insured agrees to direct enforcement of such rights as reasonably requested by the Company and to return to the Company any recoveryto the extent payment of loss has been made by the Company, Arbitration: In the event of a dispute under this policy, either the Company or the Insured maymake a written demand for arbitration. In that case, the Company and the Insured will each select an arbitrator. The two arbitrators will select a third. if they cannot agree within 15 days, either the Company or the Insured may request that the choice of arbitrator be submitted to the American Arbitration Association. The arbitration will be held in the state of the h ured's principal residence. GLOBAL TRAVELER'S HOTLINE TERMS AND CONDITIONS The CrWA Traveler's Hotline provides Cardmembers and their families a wide range of free travel assistance benefits. It is operated by AXA Assistance USA, Inc Hilt D'scovercard.comitravel to learn more. Efgibillty. You must be a Cardmember whose Account is in good standing, the Cardmember's spouse or dependent child traveling with the Cardmember or an Authorized User of an Account in good standing. Third-Party Charges. Global Travelers Hotline is not insurance, so you will be responsible for all thud-Party fees and expenses for services requested, such as professional or medical fees. Availability of Services. Certain services may not be available in all areas. Cali us at i-NO-DISCOVER (1.800.347-2683) for assistance or if you have questions about a specific destination. Outside the U.S. call us collect at 1.801.902-3100. While AXA Assistance will make every reasonable effort to provide the services, neither AXA Assistance nor Discover Bank or our respective affiliates will be liable if a service is not provided or for any services that are provided bythird parties. The services and these terms and conditions are subject to change without notice. 25 - 1ODCM0_0280K_Tt22JO2tO_07364_reader.indd 27-28 1 2r15M 1:36:31 PM I 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 day of l hkib", 2011 upon the following: Sheila G. Earhart 45 Oak Park Ave. Carlisle, Pa 17015 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# 9071114 c:?s PRAECIPE FOR LISTING CASE iR ARGUMENT (Must be typewritten and submitted in triplicate) ezr a._. TO THE PROTHONOTARY OF CUMBERLAND COUNTY: Argument Court.) CAPTION OF CASE (entire caption must be stated in full) Discover Bank VS. Sheila G. Earhart (List the within matter fog n ciW- -------------------------------- ' ? « No. 11-3903 Civil Term 1. State matter to be argued (i.e., plaintiffs motion for new trial, defendant's demurrer to complaint, etc.): Plaintiffs Motion for Summary Judgment 2. Identify all counsel who will argue cases: (a) for plaintiffs: Matthew D. Urban, 1400 Koppers Building, 436 Seventh Ave., Pittsburgh, PA 15219 (Name and Address) (b) for defendants: Sheila G. Earhart (pro se), 45 Oak Park Ave., Carlisle, PA 17015 (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 Date: August 30, 2011 Signature Matthew D. Urban Print your name Plaintiff Attorney for 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.