HomeMy WebLinkAbout11-4957FiL ED-OFFICE
THE PROTHONOTARY
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UMBERL PENNSYLVCOUNTY
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK
Plaintiff
vs.
FRED L HARRISON
Defendant
No: ! (_yq S`7 CJy1_(
COMPLAINT IN CIVIL ACTION
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
James C. Warmbrodt,42524
WELTMAN, WEINBERG & REIS CO., L.P.A.
436 Seventh Avenue, Suite 1400
Pittsburgh, PA 15219
(412) 434-7955
FAX: 412-338-7130
09133174 C A Pit KMJ
C?? 5al?y9s
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK
Plaintiff
vs. Civil Action No
FRED T HA- RISON
Defendant
COMPLAINT AND NOTICE TO DEFEND
You have been sued in court. If you wish to defend against the
claims set forth in the following pages, you must take action within
twenty (20) days after this complaint and notice are served, by entering
a written appearance personally or by an attorney and filing in writing
with the court your defenses or objections to the claims set forth
against you. You are warned that if you fail to do so the case may
proceed without you and a judgment may be entered against you by the
court without further notice for any money claimed in the complaint or
for any other claim or relief requested by the plaintiff. You may lose
money or property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT
HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET
FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE
TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL
SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE.
LAWYER REFERRAL SERVICE
CUMBERLAND COUNTY BAR ASSOCIATION
32 SOUTH BEDFORD STREET
CARLISLE, PA 17013
(717) 249-3166
COMPLAINT
1. Plaintiff, DISCOVER BANK is a corporation with offices at 6500 NEW
ALBANY ROAD NEW ALBANY , OH 43054 .
2. Defendant is adult individual(s) residing at the address listed
below:
FRED L HARRISON
237 SOUTHSIDE DR
NEWVILLE, PA 17241
3. Defendant applied for and received a credit card bearing the
account number XXXXXXXXXXXX4604 .
4. Defendant made use of said credit card and has a current balance
due of $10047.67 , as of February 28, 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
18.240% per annum on the unpaid balance from February 28, 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
9. Although repeatedly requested to do so by Plaintiff, Lefendant 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 , FRED L HARRISON individually , in the amount of
$10047.67 with interest at the rate of 18.240. per annum from February
28, 2011 plus attorneys' fees of $125.00 , and costs.
fames
WELTM
436 S
Pitts
(412)
FAX:
0
This law firm is a debt collector atte
our client and any information obtaine
Warmbrodt,42524
WEINBERG & REIS CO., L.P.A.
th Avenue, Suite 1400
h, PA 15219
-7955
338-7130
C A Pit KMJ
Ong to collect this debt for
ill be used for that purpose.
r New Balance Minimum Payment Due
DISCOVER $10,047.67 $10,047.67
Payment Due Date
DUE IMMEDIATELY
08 SDSN6A01 0004606
FRED HARRISON
237 SOUTHSIDE DR
NEWVILLE PA 17241-8950
Account Number ending in 4604
Enter Amount Enclosed Below
$
PO BOX 6103 Illu,llrullu,lnl,ulrll
CAROL STREAM IL 60197-6103
4ddr9ss, e-mail or taleohone change? (r??fr??nf(?(fl,fluflr!)nfff
l)??nrn?)n{lunfilf?iffll
130 to www.0iscover.com or print change in space above uu
000001986458660225513100476700000001004767
Opening Date: March 3, 2011 - Closing Date: March 8, 2011
Discover iMativa Card Account Summary
Account number ending in 4604
Previous Balance $10,047.67
Payments And Credits 0.00
Purchases + 0.00
Balance Tronsfers + 0.00
Cash Advances + 0.00
Fees Charged + 0.00
Interest Charged + 0.00
New Balance -- - - -X0,047.67
See Interest Charge Calculation section following
transactions for detailed APR information
Credit Line $9,000.00
Credit Line Available $0.00
Cash Advance Credit line $0.00
Cash Advance Credit Line Available $0.00
Opening Cashback Bonus Balance
New Cashback Bonus This Period
---- us
Cas
ock Bonus Balanc
hbe
To I- more, log in of www.Disco"r.com
0.00
3 Easy Ways to Contact Us
I Access your account securely at www.Discover.com
2. Call 1-800-DISCOVER (1-800.347-2683)
Please have your Discovers card available
3. Write to us at Discover, PO Box 30943,
Salt lake City, UT 84130 (Not a payment address)
For payments, please send to address on remittance or
Discover PO Box 6103, Carol Stream, IL 60 1 97-6 1 03
For TDD (Telecommunications Device For the Deaf)
assistance, please call 1-8 003 4 7-744 9
EXHIBIT
page 1 of 2
Payment Information
New Balance $10,047.67
Minimum Payment Due* $10,047.67
Payment Due Date DUE IMMEDIATELY
"Includes post due amount of $2,316.00
Late Payment Warning: If we do not receive your minimum
payment by the date listed above, you may hove to pay a late
fee of up to $35.00 and your purchase and balance transfer
APRs for new transactions may be increased up to the Penalty
APR of 23.24% variable.
Minimum Payment Warning: If you make only the minimum
payment each period, you will pay more in interest and it will
take you longer to pay off your balance. For example:
f You make na You will pay off the Aril you v4 end
tuna( charges balance shown On up paying an
ng this card and this statement in wstimated total of
h manifr you fray: • about;
Only the minimum 10 years
$10,048
payment
If you would like information about credit counseling services,
call 1-800-11A71121
Manage Your Account Online at www.Discover.com
• Access free online tools like Poydown Planner to create a plan
to day down your balance, securely access statements, pay
bil s online and easily track 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
9133174 0 e ns. Fowl.
Fees TOTAL FEES FOR THIS PERIOD $ 0-00
Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 0.00
2011 Totals Year4o-Date
Anniversary Month
August
S 0.00
+ 0.00
TOTAL FEES CHARGED IN 2011
TOTAL INTEREST CHARGED IN 201 1
S 70.00
409.26
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.
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.
• Pent a paper copy of your statement anytime.
Sign uo'odoy at Discoveccom/pcperless
02010 o,-- 8.4, Member foie
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9133174
Questions? Visit www.Discover.com or
call 1-800-DISCOVER (1-800-347-2683). DISCOVER
DISC w'VER
It pays to FRED HARRISON
Account number ending in 4604
page 2 of 2
Interest Charge Cakulation
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Current 89169 Period: 6 day:
TYPE OF BALANCE
Purchases'
08/22/2010 and ahw
08/21/2010 and prior
Post Purchases
Cash Advances
ANNUAL RATE (APR)
BALANCE SUI,IECT TO
INTEREST RATE
INTEREST CHARGE
18.24% V
16.24% V
21.24% V
29.99% V
$0
$0
$0
$0
so
$0
so
$0
V - Voriable Rate
-ayes apply to non-promotional purchases and !o expired promotions with start dates within the specified date onge
Additional Important Information
See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account.
Lost or stolen cards. Report immediately! Cog 1-800-347-2683.
What To Do If You Think You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 8 4 1 30-04 2 1
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 after the error appeared on your statement.
You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any
potential errors and you may have to pay the amount in question.
While we investigate whether or not there has been an error the following are true:
We cannot try to collect the amount in question, or report you as delinquent on that amount.
The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if
we determine shot 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 good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount
due an the purchase.
To use this right, all of the following must be true-
I The purchase must have been made in your home state or within 100 miles of your current mailing address, and
the purchase price must have been more than $50. (Note: Nether 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 84130-0945
While we investigate, the some rules apply to the disputed amount as discussed above. After we finish our
investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we
may report you as delinquent.
Payments. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By
sending your check as described above, you authorize us to use information on your check to make an electronic fund
transfer from your account at the financial institution indicated on your check or to process the payment as a check
transaction. If 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 msh, 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 SPM I«ol time on any d will be credited to your Account as of that day. Payments
received of our pr«easrng facility aker SPM kcal time will credited to your Account as of the next day. If you have
misplaced your envelope, send your payment to Discover. PO Box 6103 Carol Stream, IL 60 1 97-6 1 0 3. Please allow 7.10
days for delivery, if your payment is returned unpaid, we reserve the rig?it 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 1-800 347-268 3. You will need this statement and Your bank account information. You must ensure that sufficient
funds are available in your bank account and all }ransactrons must comply with U.S. law. You will be asked to provide the
first 5 digits of your account statement ZIP code. %d eMating those numbers as r electronic Si nature, you wiU be a%reeing
to this authorization to allow us and your bank to uct each payment you auyouthorize 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 each payment or you can select an amount such as the Minimum Paymenf Due or the New Balance on
each statement. You can cancel a ent; however we must receive notice at bast three business days in advance of the
scheduled payment. You may noti us by phone at 1-800-347-2683 or by mail at the address listed in the previaus
pa_raropl,I our payments vary in amount, we will tell you on each monthly statement when your payment will be made
o elyd i_;$ d will be. Your automatic payment amount may be less than indicated on the monthly statement based on
cr is or payments applied during the billing cycle.
Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or
other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of
your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write
us at the following address: Discover, PO Box 15316, Wilmington, DE 19850.5316. Please indicate your name, address,
home telephone number and Account number
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DE 4WCR
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 emire New fiakmce 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 new purchases,
that is, purchases first apppearing on the current billing statement, or onr portion of a new purchase, paid by the Payment Due
Dote on your current biNinghstatement. We colt this the "grace period. It is not less than 25 days. There is no race period
on balance transfers or cas advances. As more fully described to the section of your Cordmem er Ayreeme It titled "How
We Apply Payments," we generally ?pp1y payments to your Account based on the APR a plicable to the balance of each
transaction catethgory. This means Nat 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 charge you a minimum Interest Charge of $.50 for any billing period in which Interest
Charges of less than b 50 would otherwise be imposed.
Annual Fee. it your Account has an annual fee, it will be billed at the begrmmn of each anniversary year your Account is
open ?i-.e amount of the fee appears on the statement when the fee is b led The annual fee is not refundable unless you
notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the fee
is billed. You will receive this refund even if you use your Card during that period.
How We Calculate Interest Charges Daily Balance Me" (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
c"),rha;es, standard cash advance- cad 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 hansaction category. To get the "daily balance" we take the beginning
balance for each day, add any new transactions and fees and any Interest Charges accrued on the previous day's
daily balance. We then subtract any credits and payments and make other adjustments (including trlose
adjustments required in the section titled "Paying Iterest"). In calculating the daily balance for the first day of the
biljing period, we consider the "previous day's daily balance" to have beew your balance on the last day of your
previous billing period. This gives us the daily balance for each transaction category.
We figure the Interest Charges on your Account by multiplying the daily balance for each transaction category by
its daily periodic rate, for each day in the billing period.
The 'otal Interest Charges for the billing period are the sum of the daily Interest Charges for each transaction
category for each day durirg 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
transaction will be added to the roily 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 transaction category.
foreign Currency Fee: 2". of the U.S. dollar amount of each purchase made in a foreign currency.
Penalty APRs: Each time you Fail to make a payment when due, we may, in accordance with a Ii cable 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 centage 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 Penally APRs will apply indefinitely.
For TDD (Tolecommunicalions Device for $ns De4 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 0178K172
9133174
Questions? Visit wwwMiscover.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
unworn falsifications to authorities, that she is Natasha Szczygiel, Legal Placement Account Manager
(Name) (Title)
of DB Servicing Corporation successor to DFS Services LLC, servicing agent for Discover Bank,
(Company)
plaintiff herein, that she is duly authorized to make this Verification, and that the facts set forth in the
foregoing Complaint in Civil Action are true and correct to the best of her knowledge, information and
belief.
i
Signature)
WWR# 9133174
Fred L. Harrison
6011002539104604
SHERIFF'S OFFICE OF CUMBERLAND C4*t
cn?: rte, -?-,
Ronny R Anderson
Sheriffpl? ?1 tiUr+Grr(?t?^ - rJody S Smith
Chief Deputy
Richard W Stewart
Solicitor OF-
Discover Bank
vs.
Fred L. Harrison
Case Number
2011-4957
SHERIFF'S RETURN OF SERVICE
06/21/2011 08:00 PM - Timothy Black, Deputy Sheriff, who being duly sworn according to law, states that on June 21,
2011 at 2000 hours, he served a true copy of the within Complaint and Notice, upon the within named
defendant, to wit: Fred L. Harrison, by making known unto himself personally, at 237 S. Side Drive,
Newville, Cumberland County, Pennsylvania 17241 its contents and at the same time handing to him
personally the said true and correct copy of the same.
SHERIFF COST: $40.00
June 22, 2011
TIM BLA K, DEPUTY
SO ANSWERS,
RON R ANDERSON, SHERIFF
;ci cnun?ySwte Shen?f. Teiaosoft. Inc.
+ IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK, = Cn
Plaintiff(s) Docket No.: 11- 7 Civil =rn
crs r ? ? a
z? 1 C?
FRED L HARRISON, %c -= C
Defendant(s) PRELIMINARY OBJECTIONS TO
COMPLAINT
Filed on Behalf of Defendant
Counsel:
The J. Murphy Firm
210 Grant Street, #301
Pittsburgh, PA. 15219
(412)521-2000
Joe Murphy, Esquire
Pa. Supreme Court I.D. 83120
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK,
Plaintiff(s) Docket No.: 11-4597 Civil
V.
FRED L HARRISON,
Defendant(s)
CERTIFICATE OF SERVICE
I, Joe Murphy, counsel for the Defendant in the
above captioned matter, do solemnly swear that the foregoing
RELIMINARY OBJECTIONS TO COMPLAINT
RIEF IN SUPPORT OF PRELIMINARY OBJECTIONS TO COMPLAINT
OTION/REQUEST/PRAECIPIE FOR ARGUMENT
were delivered by First Class, U.S. Mail, Postage Pre-Paid to the Below:
James C. Warmbrodt, Esq.
Weltman, Weinberg and Reis Co., LPA
436 Seventh Avenue, Suite 1400
D*.4- .-4,...- k D- 1 C11 C
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK,
Plaintiff(s) Docket No.: 11-4597 Civil
V.
FRED L HARRISON,
Defendant(s)
PRELIMINARY OBJECTIONS TO COMPLAINT
Now comes the Defendant, by and through counsel, the J. Murphy
Firm, and Joe Murphy, Esquire and bring(s) and file(s) the within Preliminary
Objections to Complaint, averring in support thereof as follows:
OBJECTIONS TO CONTRACT CLAIMS
1. The Complaint references a credit agreement or contract.
2. No averment is made as to whether said agreement is oral, or
written.
3. The foregoing amounts to a violation of Pa. R.C.P. §1019(h), as
amended, which requires that, "When any claim or defense is
based upon an agreement, the pleading shall state specifically if the
agreement is oral or written."
4. Accordingly, the Complaint is the proper subject of preliminary
objections pursuant to Pa. R.C.P. 1028(a)(2) for violation of rule of
court 1019(h).
5. Although the Complaint references a credit agreement or contract,
no copy of the agreement or contract is attached thereto.
.6. The foregoing amounts to a violation of PA. R.C.P. §1019(i).
7. Accordingly, the Complaint is the proper subject of preliminary
objections pursuant to Pa. R.C.P. §1028(a)(2) for failure to conform
to Rule of Court 1019(i).
OBJECTIONS DIRECTED TOWARD LACK OF SPECIFICITY
8. Pa. R.C.P. 1019 requires, inter alia, that facts be pled and that
items of special damage be pled with specificity.
9. In the context of a credit case, the facts and items of special
damage, which are to be pled, include the dates and amounts of
charges, fees, fines, interest, and the like.
10. In the context of a credit case, the requirements of 1019 are
normally met by attaching copies of an un-interrupted chain of
statements, starting with a zero balance and ending with a
statement showing the amount sought in the complaint.
11. It is respectfully submitted that the neither the Complaint, nor the
documents attached thereto, sufficiently or specifically plead the
facts and items of special damage underlying the case.
12. This renders the Complaint the proper subject of preliminary
objections, pursuant to Pa. R.C.P. 1028(a)(2), for failure to
conform to Rule of Court 1019, and the proper subject of
preliminary objections, pursuant to Pa.R.C.P. 1028(a)(3) for
insufficient specificity.
WHEREFORE, Defendant respectfully prays that the Complaint filed by
the Plaintiff be dismissed with prejudice, or, in the alternative that the
complaint be stricken, and the Plaintiff be required to plead over in accord
F it'ED-OFFICE
?j PROMNOTAR'i
2111 JUL - 8 AM 11= 5 2
PRAECIPE FOR LISTING CASE FOR A culr?a?I AND COUNTY
(Must be typewritten and submitted in tripliWNSYLVANI A
TO THE PROTHONOTARY OF CUMBERLAND COUNTY: (List the within matter for the next
Argument Court.)
CAPTION OF CASE
(entire caption must be stated in fu!!)
10 1 SCc)Ud- BSI,
vs.
1. State matter to be argued (i.e.,
complaint, etc.): k3 _ //_
//- gg51
-f-f = ?7 Cr t"I
No. Term
's motion for new trial, defendant's demurrer to
Zt,
2. Identify all counsel who will argue cases:
(a) for plaintiffs:
"3(? '7?-? /4,,c z t ?j
(Name and Address)
(b) for defendants:
y>•',?zJ oilo z?f
(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: O _ D (4-1 t
Sig
Print your n e
f rT-
/ l
Date: Attorney for
INSTRUCTIONS:
1. Two copies of all briefs must be filed with the COURT ADMINISTRATOR
(not the Prothonotary) before argument.
2. The moving party shall file and serve their brief 12 days prior to argument.
3. The responding party shall file their brief 5 days prior to argument. I4. If argument is continued new briefs must be filed with the COURT
ADMINISTRATOR (not the Prothonotary) after the case Is rellsted.
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL DIVISION
Discover Bank,
Plaintiff(s)
V.
Fred L. Harrison,
Defendant(s)
Docket No.: 2011) Civil
MM
=M
r
-ORDER - C>
- el
On this day of 20 it is hereby
770
tv
rv
w
ORDERED that Plaintiff's Complaint is stricken. Plaintiff may file an amended
complaint within 120 days. If Plaintiff fails to file an amended complaint
within the time set forth above, the Prothonotary, upon Praecipe of the
Defendant, shall dismiss this case with prejudice.
B COURT:
J.
CONS
:ENTRY OF THE ABOVE ORDER:
`7- -/
Joseph ur y
Sarah Ehasz
? Murphy FlIrM
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a
!-r.
77 =i
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IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL ACTION
DISCOVER BANK,
Plaintiff,
V.
FRED L. HARRISON,
Defendant
NO.: 2011-4957
TYPE OF PLEADING:
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-<D M C"
Qom?
d --F
AMENDED COMPLAINT
FILED ON BEHALF OF:
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
Submitted by: Plaintiff
Sarah E. Ehasz, Esquire
PA I.D. 86469
WELTMAN, WEINBERG & REIS CO.,
L.P.A
1400 Koppers Building
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR: 9133174
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK,
Plaintiff
vs. Civil Action No. 2011-4957
FRED L. HARRISON,
Defendant
AMENDED COMPLAINT
You have been sued in court. If you wish to defend against the claims set forth in the
following pages, you must take action within twenty (20) days after this complaint and notice
are served, by entering a written appearance personally or by an attorney and filing in writing
with the court your defenses or objections to the claims set forth against you. You are
warned that if you fail to do so the case may proceed without you and a judgment may be
entered against you by the court without further notice for any money claimed in the
complaint or for any other claim or relief requested by the plaintiff. You may lose money or
property or other rights important to you.
YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO
NOT HAVE A LAWYER, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW.
THIS OFFICE CAN PROVIDE YOU WITH INFORMATION ABOUT HIRING A
LAWYER.
IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE
ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY
OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO
FEE.
LAWYER REFERRAL SERVICE
CUMBERLAND COUNTY BAR ASSOCIATION
32 SOUTH BEDFORD STREET
CARLISLE, PA 17013
(717) 249-3166
AMENDED COMPLAINT
Plaintiff is DISCOVER BANK, a corporation with offices at c/o DFS SERVICES,
LLC, 6500 NEW ALBANY ROAD NEW ALBANY, OH 43054-0000.
2. Defendant, FRED L. HARRISON is an individual residing at 237 SOUTHSIDE DR.,
NEWVILLE, PA 17241.
3. At all times relevant hereto, Plaintiff was engaged only in those activities, including
transacting business in interstate commerce, that shall not be considered to be doing business
in this Commonwealth, as defined by 15 Pa. C.S.A. §4122.
COUNT I-BREACH OF CONTRACT
4. The averments contained in Paragraph 1-3 are incorporated herein by reference
thereto as though herein set forth at length.
Defendant submitted an application to the Plaintiff requesting that the Plaintiff issue
the Defendant a DISCOVER BANK credit card. A true and correct copy of the Defendant's
application is attached hereto and made a part hereof as Exhibit "1."
6. Thereafter, the Plaintiff made an offer to the Defendant to open a credit card account
by mailing a DISCOVER BANK credit card, bearing account number
XXXXXXXXXXXX4604, along with a written cardholder agreement which contained the
terms and conditions of said credit card to the Defendant. A true and correct copy of the
terms and conditions of the credit card are attached hereto and made a part hereof as Exhibit
"I"
7. Defendant subsequently accepted Plaintiff's offer to open the above credit card
account by using said card to purchase goods, merchandise and services, and transfer
balances.
8. Defendant continued to use the credit card to purchase goods, merchandise, and
services and take cash advances.
9. Each month, pursuant to the terms and conditions of the cardholder agreement, the
Plaintiff sent the Defendant a monthly statement setting forth the charges and payments
made, if any, by the Defendant and the applicable interest rate. A true and correct copy of
the Defendant's monthly statements from September 2, 2007 through March 8, 2011 are
attached hereto and made a part hereof as Exhibit "I" The statements begin with a prior
balance of zero and end with the balance alleged due and owing in Plaintiffs Amended
Complaint.
10. Pursuant to the terms and conditions of the cardholder agreement, the Defendant was
required to pay the total balance due or in the alternative the minimum monthly payment as
stated in the monthly statements sent to the Defendant.
11. Throughout the term of the account the Defendant was sent updated written terms and
conditions for the account, with the most recent applicable terms attached hereto and made a
part hereof as Exhibit "4."
12. Defendant made periodic payments on the account with the last payment made on the
aforementioned account occurring on June 28, 2010 in the amount of $205.00.
13. Defendant has breached the terms and conditions of the agreement between the
parties by failing to pay the balance due or make the required monthly payment.
14. The balance due and owing to the Plaintiff on the aforementioned credit card account
as of February 28, 2011 is $10,047.67.
15. Pursuant to the cardholder agreement, the Plaintiff is entitled to continuing finance
charges on any unpaid balances as described in the cardholder agreement and set forth on the
Defendant's monthly statement.
16. Although repeatedly requested to do so by Plaintiff, Defendant has breached the
terms of the cardholder agreement by willfully failing and/or refusing to pay the principal
balance, finance charges or any part thereof to Plaintiff.
17. The Plaintiff avers that the "Default Acceleration - Collection Costs" provisions of
the cardholder agreement provides that he Defendant will pay Plaintiff's reasonable attorney
fees.
18. Plaintiff avers that such reasonable attorney fees shall amount to $125.00.
WHEREFORE, Plaintiff demands judgment in its favor and against the Defendant,
FRED L. HARRISON in the amount of $10,047.67, with interest at the rate of 18.24% per
annum from February 28, 2011, plus costs and attorney's fees in the amount of $125.00.
COUNT II-UNJUST ENRICHMENT
19. The averments contained in Paragraph 1 through 18 above, are incorporated herein by
reference thereto as though herein set forth at length.
20. Defendant has used his DISCOVER BANK credit card to purchased goods,
merchandise, and services.
21. By making use of said card, the Defendant has had a benefit conferred upon him
through the use and enjoyment of those goods, merchandise and services purchased.
22. Defendant, despite requests to do so, has willfully failed to re-pay the Plaintiff the
principal balance, finance charges or any part thereof due, as set forth in the monthly
statements, attached as Exhibit "3," and as such has improperly retained the benefit(s)
conferred upon him without payment of value in return to the Plaintiff.
WHEREFORE, Plaintiff demands judgment in its favor and against the Defendant,
FRED L. HARRISON in an amount not to exceed the arbitration limits.
Respectfully Submitted,
Sarah E. Ehasz, Esquire
PA I.D. 86469
WELTMAN, WEINBERG & REIS, CO.,
L.P.A.
436 Seventh Avenue
Suite 1400
Pittsburgh, PA 15219
(412) 434-7955
Fax: (412) 434-7959
WWR # 9133174
Sep. 12. 2011 11:10aM No. 1664 P. 2/2
VERIFICATION
Natasha Szcz el Legal Placement Account Manager
(Name) (Title)
of DB Servicing Corporation, servicing affiliate for Discover Bank
(Company)
does hereby verify, under penalty of perjury and subject to the penalties of 18 Fa. C.S. § 4904
relating to unworn falsifications to authorities states, that he/she is a duly authorized representative
of plaintiff herein and authorized to make this verification, and that the facts sets forth in the
foregoing Amended Complaint are true and correct to the best of his/her knowledge and information
and that he/she is personally familiar with the account and the relationship between Discover Bank
and DD Servicing Corporation. That Discover Bank, f/k/a Greenwood Trust Company, is a FDIC-
insured Delaware State bank, and its servicing affiliate DB Servicing Corporation, extends credit
through issuance of the Discover Card. As the servicing affiliate, DB Servicing Corporation
performs a variety of services for Discover Bank including, among other things, marketing,
application approval, transaction approval, customer service, security, billing and the collection of
delinquent accounts. The collection of delinquent accounts includes the right to forward the same to
the attorneys and/or collection agencies for collection and to file suit on Discover Bank's behalf.
Both DB Servicing Corporation and Discover Bank are wholly owned subsidiaries of Discover
Financial Services.
Date (Signature)
U
FRED L. HARRISON DB Servicing Corporation servicing affiliate
6011002539104604 for Discover Bank
WWII#9133174 PO Box 3025
New Albany, OH 43054
EXHIBIT "1"
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EXHIBIT "T"
APR-ii-2007 22:32
DISC*VEIZ
CARD
YOUR DISCOVERO MOTI Alm
CARD ACCOUNT
CARDMEMBER AGREEMW ................ Pages, 1-12
The terms and conditions of your Account, Including
how•we calculate finance charges, our fees and an
Arbitration of Disputes section. You have the fight to
reject the arbitration pnxWon with-ms ect to your
newAccount witihln 30 days after receiving your Card
as explainer! In the "Right to Reject ArbMWon-
section at page 11.
PRIVACY POLICY.......................... Payees 13-16
A summary of the personal information we collect,
when It may be shared with others, and how we
safeguard the cofffidentialhy and security of
information. You My limit our sharing of such
infoormation with others.
SLUNG RIGHTS. .......... Pages 16-17
Important infom+atlon about your rights and our
f responsibilities under the Fair Credit Billing Act
h
i DESCRIPTION OF COVERAGE.'- ............. Pages 17-25
The terms and conditions of the Scheduled Air Travel
j. Accident Insurance and the Secondary Rental Car
Collision Coverage that is provided at no change to
you when you use your Card to purchase airline
tidcets or rent an automob(le.
GLOBAL TRAVELERS HOTUNE.................. Page 2s,
The terms and conditlons of this free travel assistance
benefit:
P.043
0 2007 01wavor bank. Mombor FMC MOTAGR.0407TLIS
APR-11-2007 22:33
CARDMEMBER AGREEMENT
Pla Mdd6AyroeaMWd*before9dn4M~
iqy dogl?dfroarwlkrvWwWprov?frled Ind*
event of -my diff, , this Alp o in, *A co" Vh year
prim as the Ptlw9t sacdoa an pop i and oar ? tar
addtlorgl bsforaradan TM on of o on p.pa 10
k?dudasal%Wvaroft nmblrof majr.ytrial
Tio-lon .
WEE
? ? taJact D6prt0ea teNon.
DEFIN1 OW 2
........ ................
USING YOUR ACCOUNT
Your ACC amce A... ' ......................... 2
of tM gremnt .......................... 2
Pew Uses of Your Aft w ............................. 2
Proldblhd Uses of Your Aaooutrt ............ 2
Purdwo w4 Cash Advances in ForMp Cuirre KW . . ........... 3
Baitmu>. Tron*ls .......................................... 3
Credlt AuBw&Wons ....................................... 3
Audtorlml Umm ................ . 3
UnaathorW Use .......................................... 3
Your Credit Lktas ................................. .....
ftn*v
Meson
Monft 8 ft State nW .................................. 4
Pa?ymernt dptlo?x .... . . ..............................4
MklilreanAil(aitldlr Payrmart ................................. 5
0iFers..,. 5
Credit anaes ............................................ 5
FINANCE Ci KRGR ................... 5
How We Calwlate Periodic'FWw a Charges ..................... 5
Now % CakuId8 Yb r Balau. ............................. 6
NarWk or Flied interest Rates .............................. 6
DefaultRates ...............................................6
Cash Advance Tr osWon Fee Fmence Chmges ................. 7
Balanoa1YausfferTreruaetlon Fee RraoeCharges ............... 7
Mkritnum Rnence Charge ................................... 7
FE S. ................................................ 7
l W F. ................. ....................... 7
OverlimitFee...................... * ..........................7
Returned Payment Fee ...................................... 6
Retuned Wwar Card Cheds Pee ............................ 8
PW*Phm .
DEFAULTAND N.............. ....................
R 8
of Default .................................. 8
co Au? of DcfauR ............... . .................... 8
PRIVACY AND OUR COMMUMCATIM WITH YOU ................. 8
Orr Myftypaw ............. I..... ......................... 8
Reporting to Ovi* Repordn9 Agendes ....................... 9
Our Communked" With You .. 9
Rely" Infamodon About Your Amount ..... . . . 9
.....••... .,...
Own* Koft fa Yov ... .....................
Chan9o of Addreu or Telephone Number ..................... 9
MAIMS AND DISPOTES .........................................9
-I-
P.044
APR-11-2007 22:33 P.045
?I
a:
Cllait ......:............................. 9
AtblWaft of ............................... o
................
.............................:
Saw* OP,,,,,,111
2
................ff............................ NrRukatlons .....................1
.......12
? 12
C H .........12
tuIVti .............:...................12
DGUMNS
'Auxxhuat" rrreera DbWW MoOVP Card Account
NUM WV PWn whom you autlwrb to use your
or a Card, niWW you rp* us or not
A00
MOM' mum one Or mote Dboa?ar Motive'" Cards bed to you or
MUM, r ms to W tagy trrCCard d your t.
2M= Your
Pricing
s' and "o1a" to Dkeovw BaNc, the i?,er of your Card
"ybwoyoat"or'your'reterto,inadsddontoyo%t*Cardmatr*any
A rent, Or parsons who are also conbaCtue0y Sable under th[s
USM YOURACCOW
YourAaapeanoe of ftAptnawnt •rha use of your Accosait or a Card by
You
djWdwre or an Audtorbsd WK Or your failuraeottoVgMW Account wiffitn
jj%
the Of action an
w4MMyou
AnWtratlon of
Disputesaettfon a<= on page 11.
Penaitbed Uses of Your Amount Your Account may be used for
• Purdwo - to purdwis or these pods or sar*w *= r parddpaat?)nngg
aia may fu r M ttow'you aooordan?oa:4
sudt addidwW tans and mrnditlons as we mfr offer from time to tine.
• Cash Advances -to obtain cult adiwtvos from Partldp * automated
taller machines, iktaedd irMitutiara or 9#w loadon; the pu xhasv of
casbrod ? matracit mom vouchers redeemebte for tashr
.arwwiretw= orb mmofdiforeign
d== y fu(Abh
to YQtujail in &oxdanoe wRh additional temts and mndidcns as to
may affa frem tuna to time.
• Balm 1rardn-t* twdw balances irom odner aeditois or to make
othtr transecdons 9by meats of balance VWder coupons or dwjL% in
aeaordw oe wldh sucfn additional tarsus and mnditbns as we may from time to limo.
in atididon, Account maybe used tD gvaranlxe remmdons st panda
ipating:= You A be W* for guaresteed res?adorathat
Oro not cuurxeAed prior tO the tlnue spedfled th
by e anent. your
Account may be toad for personal, f&WIX household and charitable
PUMOM.
PmhP* d Use Of YOWAOOOunt Your Account may not be used to Obtain
cans" u spund?as? cony ortade in securftfes, v pay any amour yocr o
reside tahiwh afaanytranuetlancthata a uNavriul whaeyou am locoted When
initiate the tratsC a n (? ltataactl use the Aaou?tt to
onsr
-2-
Purrh4sandCsahAdwmossbt Ctrradas.Weconvert
ncy to U? (n(n
and cash advances mal4wrt
conversion terra used by F000 ft lrwmtlm accordance "igov ures. Gamer Discover
ort* 'ta k adon the and
Reyartileas of sourcep, tthe rata rtfia an dDidaover N? o etNiaGi p prior k*m
am commned a '
rate n dBawn may bbalance b fir m?odd?ettltoyotee
Acmmrt by r^eans l sae v. 4m or duets. Hach offer will
mntait an wtw speed utt4q will be tM AMW pate
that lil tD bilaflrred for thetbna Period in the
of0ew srtodPontlw D** ii w section and aonadn a Balance
Transfer No Hranoe for cach balance t woo made
Pricing AqnQ ? If in the odieof06 orris pv the
eoµttratlon Ofihb time pMiod, the
purd+aaes wAl apply to trarsf erred
ballum I ?e initial race am referrod to
I rate has expired are referred as W?r* belana mwafe
Each offer win contain an date. If you attempt to trsisfer
bak no w by tmara of a dteec af6er ft a pirabon sift we wdl tmett m
transaction as a cash advance. will not make balance transfens
attempted by taus of a coupon the expiration date.
010 Autlnoriradon:r Certain Will Mgwe our wftfttlon
cornOwdon, in idadtH rtlorr you May be asked to ufte
rightrnot authortseatraraandortfarmseuatrKy•
oh ab aufho tlattrar acddn. We w Mbnotyvarlift we ?
of those events happen.
toI UMN the audvx* of a current
_? iU to
nwst us and
_ny Cird In can
witin 311943, Salt Ludse?l 130.0 Nw* of?
ibuytderthisapreenwntcodtadrart WWMbowad)m+grba?e?
" person
attonw, wf wut our s parnaate afro t (w to a power
of
obligated tai" agrvatuerut whkh hidt we are not
UmdhwW Use Prior to is use, Cord must be signed by the person
towhom itisked.ifaCardsletoPstolen,orifyouddriktha w%one
sWthg your Account oorNya card isrithtout 1 us Usby
347 , oYr .. q OR" PO Sett Udee City,
Utah 841 You
agree to us in datenninind face
to any Vwftvridr pa" Hera are Of Your Aamutt of a Csrd err OA pacedures as i. if Yo an aubo?modcn
aucin as a nor Fnfy u rnatnbenhfp, and wish to con *wA ttxu aftr atic
b m you no a the membe nt with your new
Your Cradit Liter. We will advin of your Account credit line. We may
APR-11-2007 22:33
a linnee t?wfN any to cash advances, referred to a the ash
nary also impose a )curer We that will appy to
betanxtransfam retatad toasthe balanatMfteraroceHra. You agroe
not tD aNow unpaid balance Frtsnce and fees, to
? )?
knimedlate prAi M off ft wftnt which you coed dyyour
Aacou weft lift
YVe inoroase or decrease your Aorourtt credk liner, your ash advance
Oak or your balance traofer aedk low without noom The cndt lan
than your Amoun GVR Ow Fppp?urrppowi ce of Ito tlmaaw le serve
b
the abri by tyre amount of aany?pfaymenk? VA race e, four s
cre dit 7W nest be Immn d by the atnewnt of any vedk balance.
MAkfNG Ps1YA?rrfS
d ariaw Fay. You ae to in U.S. dollars for all purcha % ash
?nrg fYsr>re Charges and
other chorgaa a fees, incurred by you or anyone you. autho a or pexmk
to use your Amxpunt or a Card, am If you do not not y us that others are
uskv your Am44nt or a Card if you pay us in other tfrau u dolma, we
may refine to acap ** peynwnt or dharge your Aexrtrtnt our cost to
Corawrt your pat?rwnt to l! sV dollars. All checks must be ciravm on funds
on In U.S. You may oat M a cash advance dock, Mca
Discover aaredt and a?wok°?mt?e snit d?i died drom on any
Bank payments on your Account
If Amount Is a jok?t Amokatt, each of you agrees to be gable
land johkdy for the sortie amount owad_ 4n Amount, We
WNW* any of ? ??studotand
M01 fte?ap StaAnent Wawill ward you a billing AaWwAafter each
monthly puxlod In wh)ct you have a debit or crack balanca, unles
Boas bylavwThebBlktgstatefnattwlll
other ? and
Amount the blilktg penod. it will caw your New INIZO
Mktbnttm Paymbtt Due alto Payment Due Data.
hI hroont OptIm You may at any time pay the owre New
B bRl&tg speterrear 1; oath month you must pay at
*4 MWMUM Payment Due, pa mem must be made in
acaordarece with the tonnes, indudtsq the attoff tbttsr stated on
your w dam ewms ddlom vow ? dgstgthose
terms without pdattotice as permitted by law
Now t? =? ft" V% w?lo and gems to the New
Your arm b g =and order of the Annual
= lbw ap?to the balance of Basch tra section
Chw+,pes sectlon), genera from lo? to
highest with the ba4rtoe subject to the bwttst Annual Per
peynra*andcredksto any nepwebyaansactions
?
?? R?prior tO balan es NOW ANUM Raba Such atthere are two initial
=a J tYLO WAooount and the Iowa Anwal Percentage
d
1
7
-4-
P.046
.?I 1110IM Morn?y PayflOWL The Mi imum Payment Due each month will
Bi if it
• i
07 15 tpftlle N waBal p a?i15 oar st a
•xii of tlK NBalatioa? cahoot Periodic Ptaixe Charges,
Late andPQ"ftk has) to the newm 6w or
• current arfodk Hna?a Lees and Owrlimit has plus
w (rat to epccoed 3% Balance) rounded up to the
nearest dollar. you
may also trtdttde an a ad the amount by
ft whkhrala,lata
Acoeunt rredk lte, MW Yaw
b Wtt subtra cerdin fees to
mwn w Belemf Due. TM the ldeth ? tturn Due Wifty be E new OUW hWfRON 01111.
No
dmt to
bring your n
m" may ta?voldtheme not AmouK additional ionallOOvaNlmkFee
desAW In eha O+rorRWee
V*4.Payatent Ofha. w* may toflow allow you to not make
aalvmMhanaarta you !malty paryrrrmt and rtatlfy wba+ this is
al ty P wrK adwntage of offer sod duo not mane a rr an
M Account In aooordanca t arty VpDW&
fr z will Now on Morm Mnhman Payment flue tar ft ? f' must pay the
Credit Bslartcas. VPe vA refund any t balance within angskm btWrwd
clap vie wiMautoreav of your r r audit laroi woyou do not NA w Va St th t ran
in your Amount after 6 eruoretles.
NOW Wa Cakulaaa htfodlc ifitatce
imposed on ap the d i date oro from the Npers` ypur you Account urtdl the rem?alkci?ngg
Payment or rece ft crotMts ff you paid the New Balareex on
yow prevla+a b?btg atatwt WM by fife Due flame shown on that
Statemot
a Mntbfll?gyoupayytltefbw by the;=Dueoateonyour
nowaurdteewu we a lrttpewe F Ch on
dub ttfhwe •graae poWng on the muen
nnce
M.aq WN grace ere 6 no period kl on on b balance
aandws of
aah aefvaioss
ft sort your trasaeNow Into of aebartees w
bennulnwl sottUtxampk o
by y their ir An ftomp Race. Fffoorr exmn
Promotbnel rate and tnadusas subect to a eMnd&M rstw,N wma,r ur
f AWO
Amiga D* Balance x days in P
no pabd x Daily Periodk Rm
may refer eo'the f narrow s
=Zut f ttc.) Ten hVA add up
to gat to iCBab>t-M I?
Amottnt The
aitdon category,
ur??tty?r on your HIM statment
niodlt Firtance Chargesfaeach
loco Rnautce Chagas for ur'
own as zero It beanie of the
apply to the balance in a trara-
APR-li-2007 22:33
Now Ik CdvAft Your blanow vft use the daily balance
Qn? ^e newv+rdectl" mednod of aladadng them hce upmh whi h
ft the urllr?y *ft
wiforench on ?? ad g, %belaralbieach
Baa bkRlrhp panic for a trarraadan?°a posy' n dthe total by the
MW 11he
number of days tin bigirg 0rde. YYh erompute trararacBort un vow day by first ad the follow6hq to the
p that
ct?Char awved 04VIM
d
and andbythenwbtnactktg arhyordBtsand emrtrherstathatareaee9ed
Aty lnoeased rate and dwa In A appy beginning with tt
d? the lnwNch did notreaiveat b9the w
L" Rd a ? woo u Annual Pi
ippedo?
DOOM least the MiN t 114 for nice wnseadve
pMy K P*nent V ars by tho Payment Due
yo'° An?w,at gate Abere
be redhead. Any reduced Rates will ap* boo
wRh the first der of your iwrlh
P.047
the oaranoe or Sb*d trand etneors on drat dap In ralctila CwhAdwnoe Fee Charges. Unless zeerbalance for tikst day of do period, we aoratdw in a cash adwnu WIf Cash Advenoeprwloes day l ertoe• fie have icon your balance for each Finance of M% of the of each new cash advance with a
trardadfort an the lest day of your provbus bUl period, if a mtnMnwn Gtr Advance Wad Fee FRANK CHAIB6E of $5 aM no
transaction your AaoorrrfaherthedoseoftiwbiQkgperiod Y M"Won Of Adana Tr&VKS n Fee Finance
+aFridr It heR veettl>he fratdadlarh as having ooas?red on the Tina in en Annual Rate for cads adurt>oss that h
daW9 g in vhdhidh h b posted m you Acmurrt hi than the nonrdral Annual Rate. All of ash
Al feet dtargecl to your Aooolmt are added to the standard purdha9e + Ong the use of Card dada, r as a the
troodadL12% th the exception of Cash Advance Tren n Fee for wft to Cash Advance In
Finance are added to the applmbie cash adw a trod- Charges. To to Anance Charge on ash adwnoes for
each we add Advame Tray BWN IN F n"ce
aorion cabepory and Balance Tterd a Tranacdon he Firearm Charges r
which are added to the m-heahk balance transfer trarrsacdon under this section to any Periodic
YNhentlne raq seer wa mow tfte Unpaid balance oftFw? Race under Periodic Rnena Charges section for
traromw amr the 5"0 7ta Ww Tt wcdon Face Fbwlm Omw to the each ash adV011La trAnlfaCiOn and add up these amonnb.
WOO
However, N the sperate has eahanhca ltandtar 7tanaeUon Fee Charges if the balance vender
been Wi**W under the g
sectbrh, we leave the unpaid offer you. receive contains a Transfer ransactlon Fee Hnence
balance of the bwwlp ONd o and ire Balance Tr dfer Tansaction Fee Charge, we will dirge a Bal Ttarafer rreraadlon Fw Hnence
finance Oww in eppG?bl balance trwWw traldacti0n category Charge for the amoml of each framer made ur?der that o If
undl the sp raw would have eexpired. therilso the o? In Fence Charge in oonjwiww
Variable dMad MbeestW The Daly Periodk Rate and corresponding applied for mn Aaount, h"be bh
Annual ftft Rolm W* to each transaction ata?ory err ON* the amaeht ? fortlt Ong Tin (rnpWt}on of Ba?nnce
axed nos o ar rams as at forth In your Pricing Sdhedub or In any Rn rgas restdt in an Annual
R voi from w, The Ddb, w? is V" In ? Rate for balance that is than the nominal
Anhual Feroardspe Rees, Vklable AroWai Raps AMW Rate. To ahshkh total Owge on balance
byaddkv a numpw of pacerrta,ee poi to fix trardfenTar?bi? we any Balance Traraacdon
aPrcekne Raga, Thin it shown «r Finarn[e the Periodic fkwrTMWW
ct Ow"Whn SdwWule
a 'I polnttf." kr of this Agr? k a R is the ace for ooh balance irefar c?eyory and add up dress a
ofinterest istfa"
pratxrate"h;he o?rRatessectfon %wounk Miimum FirNhrrp UW Cha%p you a nhkhkrnum FINANCE
Sbret ldmssl on the lest business day The inontlt The Prime Rate is CHARGE of t,50 for some RNMKE CwvtGE of
mercy a prid, index and don rut reprw t the lowest or best interest less than $50 wouk) othetnvke be'
rate to a borrow at any barhtt at any given tknL 9 you have a
variable rate, Annual PerwrhRaga vnll tnaease or decease when Late Fae. VA will dwp you a
the Prime Rate dtestgas Ttrh wpi be effedin beginntng with the yo Fee If you have failed, as of the
first day of the bilina periad Due Date, mike the
Your Min con Payment Lathat eves required
Rye. during the same month as the to paid for thata billing ? amourit of the e fate Fee b based on
tnaeaae?? ? ml r? ? k1O°x the Annual Percentage Rate may balance the cash a6w4m Payment Due. other odw fees and K the end of tnK M '02
D I A ft ?eyou do not make a Fred ontme, we pNW. If sum is equal fo ar less i?10, the Leta fee is $15 and
ndmd ANNUAL P&XW RA7T3for Mchases and the sum is greater tan $W the late Fee Is SW
ash Wvanors tD }iced rata up fo a maximum of 28.99% Mw 'Default Ovedvit Fee, uMia will you OvarNmit Foe each time that as of
WWI Any WOCW rates on purdaws or balance transfers will end and the dose of a ndt= Account balance exceeds
alor purdwas veil apply. We vdl base your oefauh Rates your Amount you10, be ft" if the transaction
on faciza such
Oft due to the pw6oft wrrizef us or
• yew arrant purchase APR you am Accarrlt oedR Ina
based
• >? Pint history with other lenders on thFe wm of all 6vbt rnding pu ?rr cash ash advancChre n Fee is Rrwo
g n c advaes, balance transfers,
APR-11-2007 22:34
offier °OW fen and Fwwm W at the era! Oftt* bil
link the Or&t F44 bi X15 if th M 1.81.8 areadt?yrou ? ezc y $00 and
Cl
ow your OUR ? dhe OjaNmit Fee k M you
each *M 'symeat ltea.lASe wfN dhargeyou a RebrW Payment Fee of $35
-? YOU Amy us wfth a dhedc or other Inshment that is returned
ihb * abuff a debit t ar?ac==or
from wh you hie us 1n writtng, oraalliy to
is b ?etum all or a rvt an amotatt You owe us under thli
4 U* _ d?argPeyou this fee fire first tims
kwad MOM Card Chedc ha M will ? royyowbrniffiion
flDboower lard ON& Fee of 335 owh ttme we dedhre =a Disc
M~ turd cwh advance dhed6 bolarrca transfer check promotional
pum#hase dwd4 or *W pronroti" dnedr,
We mayfrons time to thne allow you m make payrrren{s by
a wonwfire to hansfer or fiahds from a depoat
aooount to your Ampunt?not charge you a Fei?
R kf.V%mls d youaAsserch ? for eadi eoWofa
vorP a Car ales that you request However, we QR not
NOW Copies In wwwwon with a billing error.
DlFAWAMDt:Abra9u MOM
7ypa of Nook You are in default H you bean iraak%" If you ft a
banisrupbnr Petition r heave oft led agalestyou; ff vwe haw a reasonable
bodd t?_ EYou .one unable or unwlNhg m re ray you it
you are tleriared kxompum by a cart or a couR a sto to ug n
forw_ out
Or a CO or for ya,i a If you dk N you fall to com*
Mown YMren 9 lap to make a squired
Aflt you Atcowrt credit Qne or tsinp your Card
a hahbw payment when due on any ? yaoff ou hyou we with make a red
Cw&MP yaosurof D" 0 you are in &bu,? we declare the efts
we rata flue owl ofbmmdb*Awaft due to an a gout notice, n
ewon ow" to, re nt US to recovery of mwwy that owe,
uss??aft ffw lase mud Court or or
ooNe?tton QM as per?mhitted by law and as aCatupapleber Incurred bdy?usy,
im WA Mb not Oforu ar?iy
e Orr
of our rigins?ur? ttds A ee ?thou?
loft or wdit any of them.
tOI You may cwhaef Amount by rwtKyin us in writing or by ta' de o'
eve LM and or i a yqu, tau can t J-=nil t
bY rMir ng O4RD. PO Box 30943, Salt take
vw, Utah ?? 841 a Of muse you will stNI be resporrdble top
amount you an w wodqg to the terms of this Agreement tf 1'any
ACOOUnt is a Iokrt Aooota?Lr Candmember may cancel the Amount,
but you la will both memoir to pay yanwlore dyour
amonNn9totfatenmofthb We amount Ovved to us
Asxuwnt at any time nMtlwut tie may drooae not to renew r
notke. You am r=0% ardd unimed dmdcs boo us upas request
MVACY AND OUR COMWAWATM i rM YOU
Our Pdvary f kY. We may from time to time review your credit
-8-
P.048
4wrµ gnu awurne reco th of kdo motion
?1 of the
1 "^ '¦' of fnbMatim *WIN Steps
YOU MAY tww to lb* our
Ma%y
reed it Carefully as it is p? . 1%WOM va 9#19M
Agreement Please
Reporting to 0*0 IMporlTtg At indicated to w RI Po&x ot& and crrdlt raporf ur pOlMdu and a dk
imfar+?tAte o Yau?_ and _
A o: MA
raiy be n ? Mwft mlad or on y report We fiQrm y report to such
1,11,1121 . M.
a
sidi "107 y aBe IF you belkra tfwt our report of
to I
fdlewlt addrew Dbcover Card
, pQ BCts V IC,
=Wft DE 199e.9?p.
5316. Plengme Zude Your rhmna W&VA home telephone number and
Account number.
our C01n""OkOllow wfth Yaw pm mw may Man to or record
t be t yom,a notice pre?rew,c?ord?
PMWAd by Ift &W medium, vuvdeotrOnee?mA autmpoenuft omeeedmetotto?but not
meK
to cantast caaw?sg, ocgrn Your aeNphone cz- duo
nay be of vahre to you. d not toe mrt in Car ?e
of tlresewayr, al us at {t?00347. or write to us at
D>smver mod. PO Box 1$354, ton, DE 19650,
Inio wkn About Yoga Vve provide various mathot
you an obtain ' about Acaowht we wnt ady
art w
icate all bsu h bmtr- 4 Arsdror thou that our recalls
pwon
with your prtpt pennhigtor?, in m?ian Account, and wl tlirtn=01RUS as provides our P ry Polky
or as
knqbty >arK Our Cannot
of Informatiornt °?°°w% we N will trot ut respo
release r?le
aruyone evenifvhddnourt authorizatioi s=foAf about
you a° You pww W
C or socW s" nwvdmr.
?adrwM rvusww to M we raw/ offer you tlhe op to recehie
certain notaca 5om ua row I
the mad
induding mhonthiy bUNnp Ch of forma natkes The
terraandCondtt'ansforreearonkcarmunkatioruwill be
descrl6cd in this oiler d
dngaor address or
taekp?orre?rhsrmber rtprournew ed
nta6berwAtlhY,1S usbyte
((11?40P
Utah 1 or wybv CCARD, PO Box 301? SA Lake DISKMIS
Mwdwst We cian?ts Oble for ft nrhsal of anyone to
aoxpt or honor a Cad Cato amp tot we have provided you. If a
mu;rtlhight fak to wwWde vour *e mvr CE&-f.ps" -4 .-
COIS
you will be deemed to haw awed tdus your a- tfle merdMtt
dror any thkd peril. for the amount upon our mqueK you
anagree to provide us wlttr wrhten: of such asdgnment.
-9-
APR-ii-2007 22:34
CWesl,mdm In theeventtlWyouawehave aclaimthat alusfroma 1111x==
Mates to your Acraunt, eooourtt You hed Vitt uk appli
emart a admkdstr
natb, lh? r?ltorah?s wli rauh from your A=unt or t eh? nenkiiw-and Cbsl
abllq?of Agnoany ?beforainidadrig_Joining
or orm member of a durst (??Roose?00 5 e=nter an flli?,
odw pargr. (.1) a rvri<oen nada the daim COFn to. pwR e a c
Notb at I" is chr rettonebk ? edaim end MW o pape?di?ng"UPI*ft in and cllelm or C= to the djm Mtlwut the
a
ncHft of adl on ?affi?y wd*m tdiout rrr?7ft D r o
assig% as.well is the
offia? dtred?on;
4: eachh of ore 40es. 54
Claim aYOU n
NddlceshaEtteseMtious?q a (tho'clalmNWCQ
otlteraddrm asweshaN
Add onto lrou at address apparing in our rewrds or if you are and
represented by to your attorney at your attorneys offi*Oe. af?ud
Aftradon of OV Sul
present Agremsenit to anblb?ete: In the event of any past, aPOHM.* sb
or fudre Ve1im or Wwthw based upon contract, tort, a
statoit? common hew or ebeoNeai you and us arbing from or to !yDW Aosourk any account You have had with us, your
or er6i4atiRn from your Account or the i?tM
e prMl c Of the AgrlantMt a nAiuldk6A .
P.049
S
haefly O Persia, rho arbitration mnie?yr be 01110*061 by
or a N el PowOt rule a
I or to ovrerrlde vrpride ttw tems of tltfs Seaton,
d? iepswhidryo 1+ 6e requtr to pay
ht as a r6wtt our okcft to aft* that
to ..Box 15198, DE 19886-
VA w? P s for
' a heerbng fees m y10 extent you
oroirle for payfrg "attorneri' fees and courE or
led dw court. in no wait VIII
enyfeesi or kxwW by us In aorarecdon whh
fret Where a payment or reimbursanent is
e law.
Any hemirrg VIN torte place in the
whine reside. The arbitrator shah follow
law to aMerrt with to PAA and
Nmiadp?s shall horror delow, of privilege
hall be m award all roaiedies permitted
the ;?tthyat woo action were yarding in
ortM? 1Mabiogroo ?d?1v11beq*kn
fahal
Ply under the RAAarnd erxept dot N
d8?
attarSML IF EII[M YOU OR WE EtMARBITRAT1ON, • .; wi hIn M
09 NOR to ur
ER WE SHAD. NAME THE RIGHT 1 O Ltf iGA1E THAT CLAIM
d ?tNltidi shall
rwiadie
IN MW OR TO HAVE A AN TRIAL ON THAT CLAIM. PRWORING
DISOOVERYR1 HAND POST-HEAM APPEAL RIGNi51MLL BE LUR D
=010'
Parawar'hlha
Bl theoust
ppaayy odtawis% to
aP B
roBerdlea of its outWnie. 1,lohvava;'
'
e .
NfB YOU NOR WE SHALL BE DM ED TO 1OBd OR CONSOI?ATE
CLAM IN ARBITWION BY OR A6ABaST OTHat QKm4eMBQRS WffH '^w wiA o>r tNr to Good b b cry
fees charged by the arbitradori
eeL 1
OD?on whh the a request for ue to beer die
ietr>>tor aid the Mitaltors in
! b
h
c REVOCT TO OTT?]L OR LIIICATE W COURT OR ARBITRATE
ANY CLAN AS A OR MEMBF.RR OF A CLASS OR IN A pp
may be endoroed in arty court upon any avvan
y t
e arbitrator
juradieton
PRIVATE ATTORNEY Gf CAPACITY (lass Actkm Waiver"). OdwfienefJdAft of itrb
aft radon pirovisfo dui l ere to our riffs and jL:
Of and W5nclk
b
arW ting alseto the contrary in fhb arl>icrayon provision,
ow Cote t, not an ablbauoL ? datanikte 11,10 Validity and effect
e of the Chas Action vvskw
Even tf d
eles have o
ted to ilti
ou
d
i t Sub a rilk
RA SWAM LL We
h
ft M
asweN as
A?O"wkaWw&
-
..
p
p
g
a
a
m
In court you or we may *d wbltn don M% respect to eery claim made cen; d?recteraand Fee
t
e o
irxre to the benefit of an edh of here entttin
recd wll abo
med as a co4efirA nt w"h us a
by a taw part a eery new daim htar assatad in la wsuit and
andataben therein shah awkitute a walver of any right under
Wes will not i
vok
l
t wiyt any of tine foregoin
=dok You dft hkh k subject to th8 arbitration
erthb arbitmOon provision shall
n
e our rl
t
to an
bring M small claims coot a your state's equWalent
San such action b to n0orre , r n*W a appealed to a tothe of
be
under this Agreen10r>t an
UNW of #* P
bl ona9PersoriscontreauaNy1"
UsNS of theACaourit
Lawand Rr1Jex lobe Account irnwl
es interstat
d l
row
ar.
tion of Aaourht as
b
F"Win pr
p rt (n ft anv legal
b
6
v
e torranerae an
fait pro n shall be governed by the hdcral abibation Act ?4q). TM
arbitiaft sled be mnductK aE the of v? ww ft the arbi.
aNaliolt by eidrert d ActwIffin Aron Assodeft a the
ayoneArbitratbn Pagan QrAf3 in aeaordanca with their a? g
cd wT by us of Yas
%ft m
w e
?byd
C y yois, any
y you
of
ayi
rfhctwhan On dab= Is f" For a daooppyy of d10lr prowdirree; to life a daim
or faodwinfornhadon; AAAat1,35Madkon Hoa10
New all, e
raa
ch Ui 841906091,8 you wor
t
t Card. PO Born B91Bt? SNt Lake
subjaa arblbhstfon
with
,
,
or NAF at PO
1
NO other
) oanyacooun
Vitftus,th
to
? Your rr?dton rrotbt mu arbiva6oitrv ?notapply
taeiq, addrae,
rn
.
faoar?>b be prxnit?d, e>oceptasagreed to pursuantto either
a a hMri ng signed by both parties r, Account nwnber and s<
other CalNng i
of Disputes section or sendrwl a raje ust not be sent hwldh
on
n notice to a marxter atamatytat
_10- r
_
APR-11-2007 22:34
does not =" with all appliable mWimments Is Insuf8dent notice. In
orderto prttca1 your notkt!, we ragrrire thattia notice be provided you
dlr%t y and not through a third Rejection of arbitragon [lot
affed *arb[b?yte?dkpor . War this Aweement or your
utes
hase as?need co arbi by the =o? riot lend uaion with
curt a notice I hie
LEGAL WFLVMTAIWN OF IM AG IT
becomes urwnforceable, k wIi
Sever"* M SPY part of 1hB Paul&
not malice aqr other part wk?? Utat if the Less Action In *14 SKOQn 1
In ??i dt you and we am in twin their Arbibaft
of utet aact n vM void with respect W that prooadIn
Ctielptgllq wltls tr? ty, tlor?. we h and that th s Arreemant
VVIN vftma kra te Imitations. You moko dtaga or advir dtergas at a rata that Is greater
tivin ftw 1 b% for '?t or ow c !ernes
amorart. Any'am mount t let you have already paid will be used to
reduce the obelanae of your Account a wiI be ntfunded to
you by means of a in ourdirrret m
Gowning Lear, T& Agmmatt and any daim or dispute aWn9 out of
hderal law V. to On
ASSIGNaEI r OF ACCOUNT
m may sell, ardgr? or transfer your Account or ergr portion thereof with-
out notice toym You mey not sdl, esdge? or tretater your Account Wth-
out first obtaining our prior written cerwert
GWIM TO TNIS AGREEMENT
we may dmpa any lama at pert of ft Apnement, kWudkrp, but not
any
united tw any flaaeoa dseoga rats, fee or method of 0 V"
bdance upon vvtddr tln fManoa dtarge rda is assessed or d soy new
not If **w rM low we will MW you a
tone or pat is tlrta
afdmrr or dagrarad ratio at last Is days; wrote to
Mir "
op =All
beoF ?ogrgcoo not aMeyi 1he??e data of the dranpe
and to new Burgas n?sie attar thrt data.
You may be offered tlaopaln aailttppp? be acme of the dm_ nger and If
y0q
M M of na?fyvdmilyaAlhtn'
the Hhe rleoca of dwge at the eddras prdaldod 61 ust nonce
vrlieheasayeurAooaartrvt#be adyou mustpannyggaaudd
Agr c
arssnt 0paar yonWohh"$E!!d tbedw tknotka
Ufa OfyssrrAoooantafen dueegMaaa of tiNdwgewAl be deemed
PA offectwe wAn Fm.
vi notMed us 10yaudid not alft 0 Ow dtannggs. M you YMa racy also dMW my term of any product; service or bane t offsnrf
in ooaraadon wo your Account. vww91 m*0 y you as required by law or
by the terms of the product service or benefit
-12--
P.050
PR UCY
IS to race oaf mmdy°u? Fkwo
your
have ?t? steps, and YAD bond
w
e
ue to take steps, to sere9uara mat
n
This Frhraryr Polley desalbw our to meetdase otrjectives k indudes
a summary of tic following Irdwnla".
• A Iating of the penwnal irrFonna we sop 0
• The droarutarces in which sus share information with others;
•Thewayswesafegwidoe Ggrandsearrityofktformation,'
• 7ba steps you may wN to nnritt n0 of such knforrnation with
others. $aa Sation 4 on page 1 for complete d0ak
tease road our Prhra@r PoICy oxafu . kwili help you understand howwe
C01w and share Information.
1, Whet ft= W Mf*m*n Do Copscti
Tb servo you better and manage that i
lmp
it is
b
i
'
collet and maintain aoasrrsta ?
ym V
n
ta
n
a o
r a !o a uutt you. W
thB iMorrnatlon from irr iormsyou submit to rR, from
ltr
your dalnp VA to and other:, aonsterrer reporting agencies and
l
i
F
trap other sourom such as ow or eraanp
e:
s
tes
• VVe may infornretion Such
w
? your name, address and date of birth
and atha
from appi
t you submit to us
• Wee may obtain krfOnnetion such
? Mcowrt bakmcas, Payment hhtocy,
our
fer 4rom
vtram amend otdea
rgc y
us andottwrsYou fi
•Wtmayobtainkrfortnetionsuch itwbalacesofyourloanswititodwr
larders and your payment h1s with others from consumer reporting
agenda,
• va mev obtain information Sudr as your Internet scoria provider your
ano your proouci aiq %MrvKv PFv"wMM Ran Ywr vpns w
L Is Pasosal tnfonnetion Shand I otherat
V* (knit the dtsrinp of ' wmmwn with others. ?y of the offers you
receive for products and services provided dk * to you from us. For
Dbrover' Card may Dome m us with a
exaunpk, a retelar that accepts Old
spatial oft for tardrnembj% sMmbars a dluount c6011eata or product
we vvlla l acorn aft m. oft and in
control the wom::MF:ff ute? to the ofkrI-%" do rat 0M the list
oInfonrratioour Ca members %Vh the realer Nowever
understand you cis naive thamteyype of ofFar from us
ebmA u bbtake it rim of I with ccectain ddm renal
thev
There are, however, dreunate In which we may share the information
13-
APR-ii-2007 22:35
we coped about you, as described M Section 1, with odw comperes in
order to provide You with am to roduxts and services and to service
your Accasrd eiiedivdlc as arteNed ere =theseonnrp?eu In
toadheretoour?amdtousothlsi n ffoorr the
limited It otliM:??wltltotd our pr approval. do not allow them to disclose
a. Sher' P&vorse! bhfarrnarr wf* Our Corporate Awd1y
We am?t of Itw Meorsgg steniey family of Our co
mily ethos a WWI >!edegr of products and ?
fa t can fr
manage your *w4 a In order to provide you with no to these
produclsaralservlcrrs,we?y sieretle
uneacb
as tieaotibed 1t Secdort 1, wRh ehther ers of our These corrprenies include fiwncial service
providers t??
fW* and a no;CFTIWW? =950114M
lw*q 0*14 "Game MW am roh!Wers in the irrara as cite
r ftridal service
p
capaatef?nti?m g
b. Sftft Ptrt" WOMMOMW th WhAfRUataalWU forA9arket M
We may share to Warrnatim we collect about M as desatbed In
Section isrdtding tf hose that accept the
?? brnor"fillielsid provAyw part
4=m andsavices
Discow offered onler tim, wmppties ihet maybe of wluqdo you. These kd* firm" service WwAtim such as irourance mw
P? norAMMWel c, IFN s, sud? as retailers,
e RMIng PeraW kd mwtb s Wth 00m a
We may sham the Intonation we collect about you, as described in
Section
ow a behelf? , such merkat iaa ortnarlWq protessing.?
i&?,ardal' irrgibttlons which we have Joint
eompanlas 1* are our partners for co a wk emd MVWM orsr
or
proprmus. We may also shen such Inkrmadon as permitted by
ravud law.
3. How Do We roptad dw eonlidendaihjt Security and Intey of dKbwk Wamstlm OW"e collect
about yew Apr to W(h s brit matlonn is ?gritt restricted
to Individuals who need it In order to sorvke your Account or praride
products and services to you and who an twined in ifs proper handling
of win information. Employee who violate OM confidentiality
reepuiremma are our d[sciplhM process. when third parties
support h? to we require them to conform to our Privacy
RvAda ftandards.
It ls t o the Information we maintain about you haeasrate and
else if YOU M infornradosr in your month NO statements or
? *46 suggests twit
WSO to us at bli-M4 PO r r?eCWI t white
up6te n
4r Now Can YOU Umit of Inforestlon About You?
we reepedyow PIN" and offer you deices as to whether we may share
intorme" about you with otiws. You have the option to top us not to
sfnaretfe tnforrshetlon we WU=about yoy, ass described section is with
qu OW
certain Intanrration weftcopW aK?
?
yo% as deaib dtinlsec M i thwith
companies In our corporate family. Howvi% this option ls limited to
-14-
P.05i
information about your eligibll for credit obtained from your
applicatim such as Yom Income from coraumur rig agenties,
$ash as your crerLt hwtary 0 i a pregereroe for either of %ese
= understand t rat may not man ofers for products
am 9111W
cash mmaana pr t ewer your
PO so + rsiM a et 1-i00,?25-MorL N you
Your 1D6covar no
us at Salt Wee C* UT tR1310?01i1. H err
Ut us year Froll" ROas, it is not
m m 80* Ud*WU deft V 11
PrNwwras.
Your wr reagslaWd indttde your name, telepigne
number
Correspondesm In order drotdd not t, see ?y other
ratiusst be wovided byYa+ 1Y nottlx?oaug?h? a #d p?ir* you wlR
pr M6 de wNh yotK for eadi credit card account you
have wl$ us.
You may molly w about your at any time. Your request will
remake M effect until you ratlty us iMe willhone yo r request
and not share this kvkmration as permitted by fare For exmtpie,
fedvM law permits ur to share about you with ca,iuerer
repo" style mid financial insdwtions with which
we how =1 it am lomwith o you, shun tyou
mactt your
payment with us, with othsraenaib rs of our
wpw*UW
if you are a Grdmen we will not share any
providethb order bylaw -rkw fterwt
91 lkbn 'i OR you an to inform us
oo
Y
from compv y
uulesthevsere to ?In receve moonrketlnsoffers ? P&io the sins of your rearrest
Thls Policy is provided to eardmember listed on the
AAaaart. However, any r . t hastha right m no* us about
preferences and we will frost request as appMy to dw entire
Aacarrt. We do not shun about former cxrse hers, as
GIr by hn Yids nodflatlahl all preuiorsly tmuedd
p lktes, We Metes the d*ova m this Privacy P014 from time to
the and we will notlfly you so.
Yhls Prrva9t %%gwovided to y2 by Dbwwr hank qW its Arbsi WI%
which arrer yftrwise, fotl+if of C for
Inc llrhttei atirervrlse
Ca* kxkw m the Whet ca ngist v * , woke ((wwM tim
exoeptton. of any IrhfornaiGon in ehnree5on with the service.
h %=11
Please now that you will also n
amounts you haw with us, aw
provided to you by a and our
prafersnaes for each of then se
Vermont Residents - Your sts
obtain your consent prlioorr to A
Excepermittedbyv
you witlt hoo"IfIlk9dtl>iMdpppsai
unless you cell us at 1411HDISCt
Mleft You will need to indicate your
sMteiir as dadosed in the noft
i requires financial instil tIm to
t ??wvYOUoo?With C#14M
t
or companies In our corporate family
and authorize us to do so.
Is-
APR-11-2007 22:35
hold rru - Your stets law requim ffnarndal Irndgitioro to
obtain your cum il prior to sharing Wom ition about you with ran-
eH bud *M pw ta. bus as *O ttiW we will not three
Infonttatbn we OW about you Mth third pe. while
you are a resident of Caukrnia.
Your 11111ing Rights
KEEP THIS NOTICE FOR FUTURE USE
This notice oorttft important IMorntation about your rights and our
responaffi fes under the Fah Craft BN1rp AM
1. NO* (4kCMol&,msOf*WdwAbWYotrM
H you think yatr bill is aH you read more kftMWtfon about a
trarandAw an your A us on a sw ate sheaf of papa at the
address Ns6ed on yatr bill for Notices of NANrg Error, Writes to us as soon
9i ft bill man which *a cm or problem appeared..YYou can ttelwhbne
us, but doing to will not p rur doft
in your !stow; On us the foiktwktg in nnatlon:
• your natne &W Account r NWw..
• your dollar araoraet of the suspected error,
• describe the error and usdrr, H you can, why you belwwe there b an
oror. N you head more wmattan, dMft the ium you erenot sure
about
if you have authorised to to pay your credit cord bill a tomuimly from
y
' am?munt you thMdc kwnortg R P?? y? ?m+? naafi;
• usthreebusrresdayslkfa?etheatttornatkpaymeMtssdta?ledtooaur.
2 Nxr Nfgfsla and Our ft" "ft Affar Wt Reafva Yar Witten
Naft
We must admow1w* your letter waft n 30 days, unless w have
wfected On error by then. Oft 90 days, we must either correct the
error or explakn why we believe the bill was oxtect
After we retains your left we cwM try to collect any amount you
question or repel m de?irtgwrrt vVe an oattinrre to N you for ft
amount yAffiftaso" ou qu iyno w dudkV wes woe clnerga and we can apply any
W e am ( emit You do not heva to pO
aannyy quatiorted amount tr rwatigatlrg, but you are sb
obligated to pay the pare of your bpi that are not in quaaion.
H vies fled that we made a mistake on your bill, you will not haw to pay
aamt Wr, yty have to pay tM lplanoe??' and Will ha" to
w will wa you sts" oftthe me axrt you owe and the date that it
h due.
Ifyou fall m the amorsnt that we think you owe, w may report yaw
as m M our atgrl now does not ?y you and you within ton dayaeapkg w ft you still refuse top $w ?r?t to
anyone we report you to vtet you haw a quatio n about p?
we must td you thyeoruieme of atgaw we re
ported you to. We must tell IM Mr
than k fln* k f we don't foNr d rtul% wve can OMMd the ?
$50 of the questioned amount even if your bill was owee
-16-
P.052
3.4wWA1da for Oadit Land Plus
PzddWW with as auk tang, and
Problem with the mw h&% you
reaming amount due on the goo
on titb tight
yourhome staoa, ou must hawwltlan t made the00 mN pucdass
'Al y
W the P rdww Price mus have b
theseW*Wkwdon4appiy1f w
mailed ynu lire advwdea lent for,
A Funs w Wda wM Ckdrs or
The =Rule for Gedit Card F
made fth a balance trarider dw
dtaae dtekattls?TyhwWora. Hyou have
purdtasedtedo. udtadrancedvftiad
do not haw the right to wifhhoid,
members we p
* P Yb?
ChI ildranforwhoo
will be autantat;
. of goods or sw*w that you
tee
u tied ki and W t0 consc%:
r wA ?Thae ttwwo ff,M In your home slat! or, H not vftln
roar amunt tai"addrew and
more than $S&
epoaratianrardtantor if we
fiAdvenoet pzdww
Codos not b advance
do" "now
the owit of Ke nt duea?
DESCRWW OF COVERAGE
as a A"t purawae"ger in or
QM or* Sdwkded rtNrtg
service or Ading as a passartger
t
#
d
f
f
lhns
?e figs b ig r vw"Oft
or
w
e
car
o
ora
ee whktravdbg E orfrorrt
t
rpor
onwhidn k?'g
f ofa Aiwa
?owirg the am
'tw of a Scheme rank on=
*?
Coww k ? by
insurer of the Chubb Group of Insurance Comn a member
not Companies. Certain Imitations
and exclusions ap*.
FLAN RiS
THE BEINI : The full Baneflt
I Lou of Life The Loss
Acddem t ($5MOO) Is payable for
tat occur within one year of the
M MMI LIMIT OF H
a loss In IN lama
mwd
li
i
f k than one Insured Ptrsort suffers
will not pay nano then the
mum
m
t o
ntrance
naafis in BeneNtAmourrts per. Acddent. If an Aoddent
payable wkh when Lotaled, exceed
the applkabie it Of ktartanoe
irtsuraitoe wIN ba divided
on eadt a bl above the maximw ImIt of
among the InMW based
e
deaths ,A=M from
f
ll
d
L
9 b In the avert of multiple dantaI
ones AcWeK the Oxnpw " Wbilky
ora
au
t
oates w
e to
two an s the apppeabie SanaAt Ar masdrnum petit crfJrw*4 equal to
oiad for Loos of LHe. Bartafhs WM be
_PrOp°! Mded among I ktwred Persoes up to the maximum
. ,, -
APR-11-2007 22:36
DERNti0N5:
maxi a sudden, tarf?snen and u na4mcted event
and hkda Eby unwicidable eximm to elemants
no Howd.
ho" dMnotseur e e mend ord illor camb anndd
own whv* this poliq/ it in face,
Ash means a Card amount
br to lax &wunt at the time the entire on of the
lwdUWW
Owwwl" dw* an Account
id mum the Discover Mouva Card.
Omloinbar means the holder of the Card whose name appears on the
QMW mewo Via Padaal Insurance Comparry.
CamdVo nteanstnW one Sd*duWAkcraftwhen the entire =of
ooupane btenW WM=hwP wel AcchMW4
ount
?Qd°r M mn meant *w d%Vdm% indudlnp adopted
caw anaaren
amapn am
dependent fa adopuorL who are primarily
upon dw Yaured ?i for and and
who are: n) under ft age of 1g and nddelnsuredd
beyosnd the ape of It pannx+xrtly ewrranMy or a "MKO
widenb at of es full,
moors a pwson whm (1) b at kart 18 yeas of ami
to enter k a a wdracb b not related to the i mxW
(j has exdud* WW the kused Peson for at Most an
year pWtouna data of anobli t; 0 b not married Orsepxate?
and (5) as of the daa of ewollmft has vdth the.lisured Person at kart
(b) a joint bank aaoi4 (t) joist Ntoof oNew tipof a motor VOM or
stabs as a iokre Iowa on a moor/ vw* lases; or (to a joint ae* ON
account wish a *wndd inalltif6an. Neither the Wed Person nor the
Domestic Partw an be maMed 14 na in a dull union with, anyone elan
d as in SeotnMjn? for wft this Insurance is
n uw tomb as dwbed on page t of thb Description of
comma,
MgWdj? n>eans aq Cardmm dM hoof/ spouse; Domestic Partners
and Depond"t Cltmdra% as wall as authorized users of the Amount
teat mom the toss of Life.
kKkw ng di niral death determined by One Iota)
Finandal Services LLC, the entity responribk
for Ow poifleent of "olua
Sclabdot nneans an almraft owned and/or operated by a
M ///sere an ai kwwIdds b either of united States registry
the United Staters ?t to carry palsxngers on a
govesttn a«id the zppropri (ormign anahOrity use
yK means hosdUft folbwing a dedwauont of War by a gownw, ere
-ta-
P.063
auftft, if Owe Is no dKWv&
tconlkwus hot lift betu M fm
conth m hash tees between two
daaninp jtrritdicdon overthe sloe o
DISAINIUMANa tiRFIEl11'S: if the
vvWn one yew of *a ppe?rr
breaw mMm of any Sdnodn iUrati
Paton was as an oacupa K
terw of the that the InR
ansag trom a covetea ttazaro.
?MtnWIM het a wTdm w*0?f
lft kdwbg?to the Cffdnw
eff&
yy
Compey vrFnxn Sdnmddednocomy ftw t
Ya'r inMtraro u
*a law of 1) Apl
INUMO WO
nwAft a eallier Of (1) the dote ,
t
lle
date you cease to be on e1106 Ca
CO51b This Inswar" plan is oro+
Insured Parsons for Coreredd tips,
in ence.
THE M1ERCutttvvt 11ne Loa of Lie
dWwq tcd bvvmL H no suds dtaka
of Al) affirm, end,, open and
chore„ Win wrdrol of "
he area of hostility. • or
nsured Paton has not been found
ce, stranding, Antdnp, wreddng or
or corwaymoe in whit , the Msured
coil be owned, NNW to all other
d Person has suffered Loss of We
s unavoidabk exposuroto ekmnems
provided to Insured Patrons auto-
S9Z isnaance h
n to not* the ftlo older or the
"No plan k on
u bacoene an Card-
P? ? t*
additional cost to eagle
w pays the full coat of ft
bo paid to the benefin
man maim that benefit Will
or at
Ua01 TIO lrtsuance plan not cover Lox reMMWtg iron: (1) an
lent w0MU ecl,i li wnedl or hit Person IS in, Owk
?
PotigAw4brus(at ewmie plywairaaKtadntrt?erodva
or crew on one time ft to an accident whEe an Insured
m is in, wtainp, or acting of trainirng as a
p«rarll4 perform
Not or unt I e? e9xeatenans
or
Accidental Gera0ln M Of a Mb
declared undeclared Mr. Loan 1
QAMtt NOTjM Wioitatrnre?dNMAm notto
90 dip after te of
as mkm* poelX' re
invabdue cry otherwbe
CAN FORMS: When the Comp
or
re nostw wtth>k 90 pok Mien on
d claim If notkm is ghan soon as
receNts notice of a dale, one
APR-11-2007 22:36
Company hs411 send you fosse for giving proof of Lon to us wRhin 15 days
If YOU d0 not receive the forms„ you rouW send the Company a written
description of the Low,
aAIM FIa00F OFt035c Complete poO of Loss must be given to Company
w" 90 C* afbar 1M date of raw or as soon as reasonaby pot%
Fag" is giw o0a?0* pool of I= width those time Wallis wig not
invelidate odtehvdse wild loin If nWae Is given as soon as reasonably
poulbile iswul no law. later tf hNh one year after the deadline to subnut
aJIMA IAYAhIBfl: The CtM>pIrW surgea pl?ay you or ym Ww8dary the
"&Of Is
eoom[p?doys
t astd the 'a=they hav
vvidh a8 tM uw of Vie pol .
AJI8RRI0101k In die mealai d quille i a oa wrtAft dinar arbivatiom
W npr ortha tiurod Faraon
rhea caN, tfw a? the hauled Parton wNl aadr select an arbitra?
tot: The two sure seled a dtbd If shy anrrot agree within 15
d?`olae a@Mw FarbitftnrEorar toAmeriAtb may Itradaq*w ttA?odation.
The
sierra ftwft wtl be h in the state of the insured Fersoifl; prindpal
FYOU NAV6ANY CiAMA REww gitlesNOm REASE CALLTHE CLAIMS
SERVICE CH= N MWLAW& 1141111111./6 7r>) OR (757} =AM
You an *0 go to the Company Mbdm howAdi6mmi dick on
Worts print outin clai rt?n flu outandd mall. You an file a
rrwn or tax.
Mating Addrem ?BGRSDI OUIPE CENTER COMPANIES
600 INDEPENDENCE PARKWAY
P.O. 80X4700
CH5APE4IZ VA 28327-+700
Fax Number 1.100300 4531
As a handy refaerrce guide, please read this and keep it In a safe pplace
with your ww inwrance dowmb* This Utft Of oowrage b not
a aontrac# of irwano: but is a ofthhepal provisions of the
kwra im wh8e in effect. Complata provbhots are contained in the
Master Po6q, which can be ob kW from the Policyholder:
Polkys 990618.06
=a Underwritten By Plan Adnrinisrator
lb
InAlrance w of theme The 3M Direct Bodford ? krc
is Mountain view RP.O. 615 ?, NE 61164
Warren, NJ 07061.1651
DESCRIPWN Of COVERAGE
SECDtCAR1rRaRuMCM XtJmON DbWv*r•Motiva"Csrd-
menhbersran bah+ehltilea #yhoausea 0 x taht l offwed through Ifto
(or w4w
1 45 dhit Daniel in OM* d?ibedc be wrtt?yourr
card tae defined baiovh4, you may be ellglk for barwNtsunder thh'a
coverage. Et m CbIlMon (Jtxnage VWriver h an Inswance program, under
-z0-
written by Federal Insurance
Devartlon
means a Card accou
means the holder Of t
he Discover Motva Car
the dbW
wj0w by um or 00
ve" orpaamtrm sn
Aaru ?ta?nobtle m?'ust be Agen*
TO GIET COVERAGE:
• 7heeowden Dam
thaotime the?rrerd
• Your must decline the Lossbamage
Agin*
• YYt Must rent the veMde In your <
?
•i Mdwi'sir&
vkled a Card to the Insured for bus
THE KIND OF CDVEIM YOU M
In aonsidaation of the prenrk«„ yp
Actual ?i Value basis efdrar ?I
r@D* or mWacemant of the Rerhaer
liaAgeblebbeyond the amounts actu
• N you or an Insurad9 I
Made payrnam fa a =11
wrror your deduttibie and any
•
any
f
lqu
WHO
c
P.064
POrq 11 Wi&17.9 Me "polky).
Or replace the Rented Auto-
whm name appM on the
acddental to a Rented
at with anottaerx. coNision
miNil , ing objaeb, t?
form, hall, hwtar trood.
rs of the Aawunk
+G the entry responsible
tonW oxnpany kersed
ed ww as pmw type Mara
resigned wranspat a meslnam
on 10 W-W publk roads ranted from
r b prove led to yom as an Insured,
fee for the Rented Ayuotu9nabile it my for io foer dharg or debited to your
fairer offered by the vehicle Rental
m name and sign the vehicle rental
37 wnseaaw days, or 45 wwcu-
i of uann wgwftwton wfdch has pro-
em ,
he Policyholder as mcju? and
=
1liy ads fo reCmburse on
surod or the Rerdai Mqqw for
Whiob9e as a result of Collision
Cmparo
no auiaht will C?anpan y rbe
d by the Insured or tie Rental
P Insurance or other covoW has
xaas Collision Damage W&Vw mO
eligible amounts not covered by
kh means it dogs not cover such
lWft it does not rover you for
arty. does not cover you for any
APR-11-2007 22:36
• The Diswver A40M Cardmembers
Offirwd, wftp or limited edit mama vehidag trudt recreational
vdiclek 'em p Old minims limited edition motor .
Veliidea or
4uk ear or colledor type. Nth
Value motor Yehides are 40 ft whose aplao:nnerrt value Me"
SSO.oooy and anV nlobor vghides are ddned as any vehicle over 25
yew old, or aryvehklt vvhtdu has not been manufactured for 1o yeas or
VVHW YOU ARE COMM
• Coverageappllesto vehicles tamed in the united states and Canada only.
• Courage Is not awilabte where prohibited by lavtc
WHATIS EOCOVO:
Cdon ot aan?yy to loss rt" a from the following:
•
6= or criminal act of the 12ed
a6my
• • ver or mrtlbwdon by authorities,
Lo due to racoon or radbadiive contaAftdom
Insured behg ktadoted, ass ddmd by the lows of the jtftlla6on
where law oaorrwd, or under the hVience of any nerooticc unless
• U* Of% ad Automobile to cwty p?dng?s and property for Fdre.
• the of dw ill .- Auionrob is by a perm odwr dean the aye author.
treed to operate the Rented Automobile by the terms of the Rental
• LoaCof the brad Automobile.
• rare w the Rented A;Acmobile by the insured
V096 Is iAleIrW cotd? towear andtear, freeftmechani-
• mope
d loss.
• v oftheeRe?ntad? kite ft errt ce with or contests
•.? Renced ?ng ohperabdor Wa'p in
prohibited by'tfre items of the AmW Agreement any terrttary
FOR RfsU M WHO AN NEW YORK STATE ItWIM
the trrrared a an of an Card to to bowle6 UM and W the Iterded Automobile Is
ranted Without a driver.
NOW TO F LE A CLAlm UNow EXCE95 COUIM DAMAGE WARIER:
In of ap*Wdh written or verbal notice must be provided as soon
as rwmW*
N Y0U HAVE Mf If QM RIGATEO QUESZI K PLEASE "THE CLAIMS
St3tMLCE oor /Z M**AW0 (1•>lWM46M or (757) 2n 4M
You cent also 90 to the Company Vvebsite WMAlAmlit, click on
-22-
RReepproortteta LOA 5019a
a a'c] Ifn bybMau or laprh
x.
i Ong Addraw
? RO. I
ON
CLAIM PROCOM
The Uuurecimustsend%Compar
Instll'ed't nerve and Pdigr numb
i ooaas. If notice carrot W? M
• A the Aecount Vatal
trangi0m the Witomobille • A off oof f the ?perental
• A ow of to b al claim repo
Prod Of albrrilow Of the loss 1
denial
a W
• no ?Iroaxarrce is
If na
i IrrscRed to that effect
Ressrinder: Platte star to the lim
INAIRMICII DISI)MURgo, Es
aria n with yourta, pleas
anta lned to"yiirtwearp
herein referred to as the
Covyee"a and any??``?,l?y,?, ,?, in 212
Pok Underwritten
I rW
M4A
, 15 MowGrow ?' Yrcofing"a w Rwd, PAcoBroaocs
Warr% New Jasy 07061465
Master' Polky NUm1W, 9906-17.63
Rffacdw deft of begeft d
q?==
00cel w Poilcy can carer
pn?o t,,0,?ra?le?w tdoes he KBUIN" carte
d* Inadvarim if the C
renew the coverage to PO
P.065
filla ,t Wdmidi.locan the
OF INSURANCE COMPANIES
23327.4700
mum erepr?ese?h
submitted to the automobile Rental
by the automobilk Rascal Apxy for
trued IS flqponslbk?
WW the foulls; of any or
Arrier(s?.
e, a notartxed atetement from the
sae Disdmm actio&
this document and keep R In a
M* ft This Summoy of Cover.
prnply an infvrmailve statement
rlstoes of the Insura m While in this rh Fi wKof lammme are
W Sat" t1C
a stamNrterrt in this Ss,rmgKy o!
differ, the policy Will govern.
PlIM
Omtha. NE 66164
sprit 1, 2007, thb all
:br? by
ywa hnght to dsenge the
at MV
hem b alediFj q *m or dwW
for allit
You will be rradfled at least 60
cancels, or chooses not to
you it be noWled as soon as is
APR-ii-2007 22:36
I Y any you were
to
di AfUtWa
g
f dill Of
Mxektlcr? or nor-
rene* subject to ft terms and condldora of coverage, or the kau
the (Ar"
Yarrdtb to yerc Thm bwm lts only to Cardmembers whose cards
are ksrred by U.S.=irr, the thri6id States b deflrud as the
0 UMW
?r+
th
f
d tratm Will
r
Cornpary
vi
e o
Woo, Ar?IW(gn ?Saamo?,, Fhrlrb0 Rko
c
,
Guam and the War&
Vlrgkt NoparserorentityotherthantheCard•
r.?....,.? _... ---quhabla right Mwy' or dakn for
old
I Horltdva bpui?rioe f+ena s-41 All . ' for any ber flt yo were
to the ter ?? ooverage of your rordmber
AW"mot
%Wkr of 0*-Ma beeeiilro No or beMfits provided underthese
may ire asdgnefwWvM tiro prior written consent of
twsswe IltarNb Covetago of the kwtrad will be void if, at
any the ehumn-le or any or
04"Op to or
Interest ?heran, or
In case of fraW or Me Bari by
the ktstaosd teladrg thereto.
Coverage for an kennel M be veld M, whether before or after a loss, the
I setmd any V I eridflod orarautrw"onw-canaertdrrg this Coverage or the
r fiaAud ort A or the krbf:o<t of the Naurod theedq, or in we of any fak swearing
i3oM? relating he by the PoligAtddw or its srsaibing orgadra-
reto. Addidan
i bamods: All emglble persons will be automatiaily
liar>tG Wm Under Qv t: It Is a ands w of thk Inwance that the
Insraed and ilk Potigfiold? as o/rer? may be reasonably required by
?,•, n M rs ?i .cab a mw rmionaore wne are WW as may oe
lgmtoad?y the Cem xmy or its repr ra, and will permit extracts
card in* tiier+eaf to be made. No surfi ex pins t wWir oath, wwnl-
nation of doaretertts or any other act of the its employees or
recr? in wriftedon With the kwasttg any loss or dalm
vvml be ddwrood a waiver of any defmm and wch ac% dram be d"nW to
have been made or done withot prejudice iD the Company"s mabimtK
Nb SON& SO Oft w This aovwage w M In no way Inure directly or
fnndw y to the benefit of any Inwnw, perron or organl:atlon or dew
Subrog 6w It Is a oondidon of this kaurance that if the Cottpan pays
the innx.d far a lost ftwil roqukgthe krswed to Won and vkwki
arrr?y
dakn or W of *Won ag krW y r>tdMdual, flan or wrporWon forsudt
toss to the Cawparg or or hold in trust all suds fight to the
Merit of the amount paid Cared wM aree to take aedm as
rego "M by the to?,?? to wftm suds *ft' Upon tayrnmt by the
Comparryto dta Inux? the hatred a,?aes to dieet euforaenter,t of such
GAY reaonably rerp pled by the Company and to return to ttre
:r,. ,r.any MMvay to the axeent payment of loss has been me& by
.24 ?
a
GLOBAL TRAVIRMS H(
The Global Treveler% HOUI ro p
We range of free travel as
Assktance USk Inc- Vhlt DL%m
MgIh must be a Cerdtn
spouse & d i?
mberor ,4 thd
Yhk'd ars?gls?. Globs 711
suds ffi proFeadpnd be
CAN us at
to
we
P.066
7MW5 AND COMMONS
It operated bytA?XA
Mqb" to I"M more.
an Awwat In good efen ft
eM Hotline k not kWxar% so you vrim
- and expo d s for saviors requeMd,
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TOTAT, P.059
EXHIBIT "Y'
DISCOVER
- - / l
New Balance Minimum Payment Due Account Number ending in 4604 ?
$5,055.92 $101.00 Enter Amount Enclosed Below
LPayment Due Date $
September 29, 2007 Please make check paya66 to Discover Card or
pay online @ Discovercard.com.
02 SDSN6A01 0018527
FRED HARRISON
237 SOUTHSIDE DR
NEWVILLE PA 17241-8950
Tired of buying stamps? Go mobief Make
payments from your phone with the Discover
app. It's fast and it's free. Download today at
http://www.discover.com/apps
PO BOX 71084 111 111111111111111141111111
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space Irr?r)?rr) rr?r?? i? + `irr?l??rn?rr)rr?rr?Cu?rr)rr{rl"'I
above, or go to Discover.com Print your e-mail address to
receive important Account information and special offers.
000001986458660225513050559200000000010100
Discover Motiva Card Account Summary
Closing Date: September 2, 2007 page 1 of 1
Account number ending in 4604 Previous Balance $0.00
Payment Due Date September 29 2007 Payments And Credits 0.00
Minimum Payment Due $101.00 Purchases + 0.00
Credit Limit $7,500.00 Cash Advances + 0.00
Credit Available $2,444.00 Balance Transfers + 5,000.00
Cash Credit Limit $1.900.00 Finance CJw s + 55.92
Cash Credit Available $1.900.00 New Balance = $5,055.92
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Cashback BOnu a Opening Cashback Bonus Balance $ 0.00
New Cashback Bonus This Period + 0.00
Cashback Bonus Balance $ 0.00
Cashback Bonu.0 Anniversary
Month: August
It's easy to get a full month of interest back.
Simply make 6 orrtime payments in a row
and get the next month's interest as a
Pay-On-Time Bonus(SM).
How Can We Hel You?
[? I Visit Discovercom to pay yarn' bill for no cost, view your
latest Account information, earn and redeem rewards and mare
It's your choice - 3 ways to help 2. Call 1-800-DSCOVER (347-2683) For fast
easy self-service
Please have your Discover Card available. ,
.
options or to speak with a Customer Service Account Manager
3. Write us at Discover Card, PO Box 30943,
For TDD (assistance for hearing impaired) see reverse side Soh Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Date Date
Balance Transfers Aug 23 Aug 23 LOWES XXXXXXXXXX4913 PE GA $ 5,000.00
Aug 23 Aug 23 BAL TRANS TRANSACTION FEE FINANCE CHARGE 50.00
APR 3.90% EXPIRES 01 /2011
5h%qgq, Charge Summary
Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FRJANCE FINANCE
Balances Rates RATES RATES _ CHARGES CHARGES
current billing period: 19 days
Purchases $0 0.00000% 0.00% F 0.00% $0 $0
Cash Advances $0 0.05751% 20.99% F 20.99% $O $0
Balance Transfers $2925.24 0.01068% 3.90% F 13.42% $5.92 $50.00
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
important Information. If there is more than one page to this i st at nil, see the back of each page for additional important information,
See your Cardmember Agreement Your Cardin ember co n ns all the terns of your Account
Lost or stolen cards. Report immediately! Ca11-00 347-2663.
Billing Rights Summary. In Case of Errs or QuestiorsAbout Y B
separate sheet of paper at Discover. PO Box 30421, Salt Lake Ci U
on which the error or problem appeared. You can telephone us, do ill
T
in If you think your bill is wrong. «t you need more information about a transaction on your bill, write us on a
130-0421, as soon as possible. We must hear from you no later than 60 days after we send you the first bill
o wig not preserve your rights. In your letter, give us the following information:
- You name and Amount number
The dollar amount of the suspected error
Describe the error and explain, t you can, why you believe there i ,
«. If you need more information, describe the item you are unsure about.
You do not have to pay any amourd in question while we are in but you are sat obligated to pay the parts of your bid that are not in question While we investigate your
question, we cannot report you as delinquent or take any action to the amount you question.
Special Rate for Credit Card Purchases: ff you have a problem th quality of goods or services thal you purchased with a check card and you have tried in good lath to correct
the problem wi ti the merchant, you may not have to pay the rem nt mire on the or services You have tis iah only e
the purchase price was more than
P D
$50 and the puchase was made in your tame state or within 1110 or it il we meted
your mailing If we own or
9 ( operate the merchant, a we you the advertsementf« the
good or services: err the purchase are covered regardless of the I a knceliorn of the purchase)
Payments. Send or* your payment and the top portion of the in the envelop provided. Do not send cash. By sending your check as described above, you aWiorize us
to use information on your check to mace and declronwc knit f your accost at the financial astdution indicated on your check or to process the payment as a check
transaction. If the payment is processed as an ekectrim c krd transfer will be for the amount of the check. When we use information from
your check to make an
electronic kid transfer, fords may be withdrawn from your as as the same day we receive
Y your payment and you will not receive your check back from your financial
.
institution,
The hrooessn9 of your payment maybe delayed 4 you send cashh, or other gains with your payment, d you send the payment to arty other address or t you use an
em,eope other than the one provided. Payments received in pr to at our processing taciity, by 5PM local lime on any day will be credited to your Account as of that day.
Payments received at our processing facility after 5PMM local time b e edged to you Aa«rd as of the next day It you have misplaced your envelope send your payment to
Discover, PO Box 6103, Card Stream. IL 60197-6103. Please 7- 1 days for delivery . If you payment is returned unpaid, we reserve the right to resubmit it as an
electronic debit.
You can pay your mi anum payment or a greater amount Over el
your bank account nkxmaton, You must ensure that sufficient aI
the fast 5 dgts of you account statement ZIP code. By entering r
deduct each payment you eughorae fr«n your bard a caxH, and ii
peynnent. You must eel us erne amount of each payment or you sal,
payment, however we must receive notice at least ghee buuiness ys
address listed in the previous paragraph - If you payments may in in
You Automatic payment amoud maybe less them the indrmled the
Credit Reporting. We may report information abort your accoun or,
credit report. We ncrtrhagy report the status and payment history you
please write us at the following address: Discover. PO Box 15316 iln
PERIODIC FRANCE CHAGES. Periodic Finance Charges are e
New Balance, by making payments or receiving credits. However w
the Payment Due Date Mown on that statement and you pay
purchases. that is, purchases fist appearing on this statement rwi
purchases. There is no grace period on balance transfers or cash ai
We sort your transactions no groups of purchases, cash , an
For exempla purchases sublet to a pr«nntional rate and su
end of each biting period. we o«rp ide Periodic Finance Chagas as
for each transaction category Average Daly Balance x mnbsr
=
' Y.
amounts I Then we add up the Periodic Fi.
nance Charges f«
;: tram
shown as zero t, because of the grace period, no Periodic Fna GIs
We use the Average Daily Balance (including new transectbns)
Balance for each transaction category by adding up ad the daily
We rbrnpule the daily balance for each transaction category on
that day and periodic Finance Charges accrued on anal day If a
as having occurred on the list day of the biding period in which
All f QF* Account are added to the standard pu
the applicable cash advance transaction category and Balance T
When the special rate expires. we move the urW balance of
category. However, if the special rate has been terminated under
Fee Finance Charges in the applicable transaction category until
For TDD (Tekeomas rrcations Device for the Deal) ass
Discover may monitor ardkr record telephone cams between you
The Discove' card is issued by Discover Bank, Member FDIC.
one, and you can set up automatic payments CaA us at 1$00-3472683. You will need this statement and
available in your bank account and all transactions must comply with U.S. law You wig be asked to provide
mbers as your electronic signature you wit be agreeing to this auhonzation to allow ce and your bank to
to debit or credit entries to your bank account as applicable, to correct error in the processing of such
I an amount such as Minimum Payment Due or the New Balance on each statement. You can cancel a
i advance of the scmedted payment. You may notify us by plane at 1-800-347-2683 or by mad at the
nount we will tell you on each monthly statement when you payment wig be made and taw much it will be.
ondhty statement based on credits or payments applied during the billing cycle -
0 bureaus. Late payments, massed payments. or other defaults on you account may be reflected in you
cc«urd to credit reporting agervies each month. ff you believe that our report is inaccurate or incomplete,
igton. DE 19850-5316. Please include you name, address, home telephone number and Account number.
on all transactions from the date the transaction is posted o your Accent unfit the dale you pay your entire
provide the following -grace period' If you pail the New Balance an your pervious billing sudemerd by
glance by the Payment Due Date on this statement we will rat impose Periodic Finance Charges on new
you will receive a bibV statement next math that includes Periodic Finance Charges on terse new
balance transfers and then further sort the transactions within each group by their Annual Percentage Rate_
act to standard rate would be separate groups. We refer to these groups as transaction categories. At the
h day cl the hitting peiod for each transacrion category. We use the fotlow i g equation to conVide Periodic
the dllmg period x Datj Periodic Rate. (See fie finance charge summary on your statement for these
cthonratega y to get the total Periodic Finance Charges 4.r your Account. The average Daily Balance is
des apply to die balance n a transaction category
t calculating the balance upon which we impose Peradc Finance Charges. We compute the Average Daily
in a billing period for a transaction category and dividing the total by the number of days in the biding cycle,
by fist adding the Mowing to the previous days daily balance. transactions made that day, fees charged
on is posted to yourAccount after the dose of the billing period in Midi it occurs. we will treat the transacion
d to yourAcooxd.
seci«h category with the exception of Cash Advance Transaction Fee Finance Charges which are added to
-ransactlon Fee Finance Charges which are added to the applicable balance transfer bansacion category
e transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction
hub Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction
vial rate would have expired.
1400.347-7449.
d stover representatives for quality assurance purposes
OITOKI07
DISCOVER
New Balance j Minimum Payment Due Account Number ending in 4604
$5,216.08 _$104.00 _I Enter Amount Enclosed Below
Payment Due Date $
October 30, 2007 Please make check payable to Discover Card or
pay online 0 Discovercord.com.
02 SDSN6A01 0018528
FRED HARRISON
237 SOUTHSIDE DR
NEWVILLE PA 17241-8950
Tired of buying stamps? Go mobile! Make
payments from your phone with the Discover
app. It's fast and its free. Download today at
http://www.discover.com/apps
PO sox 71084 Illrrrllrrrllrrr?rlrllrrlrl
CHARLOTTE NC 28272-1084
Address e-mail or telephone change2 Print change in space Ir?l?l`??I?rr) III ?Ir I'???III????l??liilr?(Ir?l??lril?lir(I
above, or go to Discover com. Print your e-mail address to
receive important Account information and special offers.
000001986458660225513052160800150000010400
Discover Motiva Card Account Summary
Closing Date: October 2, 2007 page 1 of 1
Account number ending in 4604 Previous Balance $5,055.92
Paymerd Due Date October 30, 2007 Payments And Credits 150.00
Minimum Payment Due $104.00 Purchases + 294.24
Credit Limit $7,500.00 Cash Advances + 0.00
Credit Available $2,283.00 Balance Transfers + 0.00
Cash Credit Limit $1.900.00 Finance Chor?ss _ + 15.92
Cash Credit Available $1.900.00 New Balance = $5,216.08
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Cashback Bonus! Opening Cashback Bonus Balance 5 0.00
New Cashbock Bonus This Period + 0.73
Cashback Bonus Balance $ 0.73
Cashbock BonusO Anniversary
Month: August
Pay-On-Time Bonus(SM) Update: 1 on-time
payment was received. Simply make 5 more
on-time payments in a row to earn a
Pay-Oo-Time Bonus!
How Can We Help You? I Visit Discover.com to pay your bi for no cost, view your
P latest Account information, earn and redeem rewards and more
It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service
options or to speak with a Customer Service Account Manager
Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943,
For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Date Date
Payments and Credits Sep 15 Sep 15 PAYMENT THANK YOU $ 150.00
Merchandise/Retai Sep 9 Sep 9 WAL-MART SC #2574 CARLISLE PA 150.24
Sep 14 Sep 14 PAR'PARTYLITE GIFTS IN 508-830.3100 MA 144.00
000000031643255
Finance Charge Summary
9133174 Average
Daily
Balances
current billing period: 30 days
Purchases $211.39
Cash Advances $0
Balance Transfers $4973.66
previous billing period: 19 days
Purchases $0
Nominal Transaction
Daily ANNUAL ANNUAL Periodic Fee
Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Rates RATES RATES CHARGES CHARGES
0.00000% 0.00% F 0.00% $0 $0
0.05751% 20.99% F 20.99% $0 $0
0.01068% 3.90% F 3.90% $15.92 $0
0.00000% 0.00% F 0.00% $0 none
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
Wish you could sort these purchases by amount, description or calegory8 You can -register at Discovercord.com to view
your purchases online as for back as 12 months. Loam more of Discovercard.com/purchases
Important Information. It there is more than one page o tlrs bill ;tat ement. see the back of each page for additional important information.
Z
See your Cardmehnber Agreement You Cardmembef agreaaem .11 the terms of your Account
n
Lost or stolen cards. Report inunediatdy! Cad 1-800-347-2683.
Billing Rights Summary. In Cass of Errs or Ouestiom Abe you drink your big is wrong, a t you need more information about a transaction on your bill, write us on a
separate heat of paper at D;srover. ?0 Bail 30421, Saft Lake 4300421, as soon as possible. We must hear from you n later than 60 days after we sent you the first bill
or which the error or probrern appeaoed. Yar can telephonre us will rot preserve your rights. In you letter. give us the following information:
Your name and Account number
1
The dc!LV anho nil of the suspecaed era
Describe fire error and expim. t yeu can. why you believe th r. If you need more information describe the item you are unsure about
You do net have to pay any amourq in question wNe we are in I you ate still obligated to pay the parts d your bill that are not in question. While we investigate your
question, we canxilrepon you as delinquent or take any actin
1D amount you question.
I
Special Rate for Credit Card Purchases: If you have a problem the 4utildy of goods or services that you purchased with a credit card and you have tried in good faith o correct
the problem with fire mercharn, you may nor have to pay the nt due on the goods or services. You have this protection only vfien the purchase price was more tl>an
SW and the pudiase was made in you tome state or within 100 of ur mailing address. (If we arm or operate the merchant, or if we mailed you fihe advertisementfor the
good or services. all the purchase ate covered regardless of ee t location of die purchase I
Payrrients. Send only you payment and the top portion of the the envelop provided. Do not send cash. By sending you check as described above, you authorize us
to use information on you check to make and electronic lend fro you account at the financial institution indlicated on you check or to process the payment as a check
transaction. N the payment is processed as an electronic furl tram , Ore ter will be for the amount of the died. When we use information from your check to make an
elecronc fund transfer, kids maybe withdrawn from you smorad as the same day we receive your payment, and you will not receive you check bade from you financial
amstitution.
The processing a' you payment maybe delayed A you serd cashr spkdence or other items with you payment, if you send the payment to any other address or 4 you use an
envelope other than the one provided Payments received in proper am a our processing Way by SPM local time on any day will be Credited to your Account as of that day.
Payments received roc our processing facility after 5PM local thine wild Cr led to your Account as of the next day. If you have misplaced your envelope, send your payment to
Discover, PO Box 6103, Carol Stream. IL 60157-6103. Please allow 10 ys for delivery . If you payrnent is returned unpaid, we reserve the right to resubmit Has an
electronic debt.
You can pay yar mirwnum payment ore greater amount over the #a phor , and you can set up automatic payments. Cad us at 1$00-3372683. You will need this statement and
you bank account information. You must ensue That si f i ient hands ire a ilable in you bank account, and all transacto ns must comply with U.S. yaw. You wig be asked to provide
the fast 5 digits of you account statement ZIP code. By entapg thas nu s as your electronic signature. you will be agreeing to this auhorization to allow us and your bank to
deduct eat payment you authratze from your bank account, and to matIdetit or credal entries to your bank argot. as appfcable, to cared error in the processing of such
payment Ydu must tell us the amount of each payment. or you can amount such as Minimum Payment Due or the New Balance on each statement You can cancel a
payment, however we must receive nonce at least three busaess in vane of the scheduled payment. You may nobly us by phone at 1-800-347-2683 or by mail at the
address I shed in 0% previucs paragraph. If your payments may vary an nt we will tell you on each monthly statement when your payment will be made and how nwnch it will be
You Auumalic payment amount may be less then the indicated on hly statement based on credits or payments applied dung tine billing cycle
Credit Reporting. We may report s fixmalion about your acorn b edit bureaus. Late payments, missed payments, or other defaults on you account may be reflected in your
a&dit report We normally report tie status and payment history of A M to Credit tepoiting agencies each month. N you believe that our report is inaccurate of incomplete,
please write us at the Ulowing address. Discover PO Box 15316. . DE 19850-5316. Please include your name, address, home telephone number and Account number
PERIODIC FINANCE CHAGES. Perardic Finance Charges are all transactions from die date the transaction is posted to your Account until the date you pay your entire
New Balance. by nakrg payments or receiving credits. However, vide the following grace period- If you paid the New Balance on your pervious billing statement by
the Payment Due Late showy on treat staternerd. and you pay fhe Ba ce by the Payment Due Date on this statement we will not impose Periodic Finance Charges on new
purchases, that is. !urc hases fast appearing on this statement tit you wig receive a billing statement next month thhaf includes Periodic Finance Charges on those new
purchases. There is no grace period on balance transfers or cash
We sod your transactions irdo groups of purchases, cash advances, rice transfers and then father sat the transactions within each grail by theaAnnual Percentage Rate
Fa example purchases subbed to a pxono0aral rate and ptrdneses to standard rate would be sepaate groups- We refer to these groups as transaction categories. Al the
end of each biting period. w. compute Periodic Finance Charges la y of the billing period for each transaction category. We use the following equation to compute Periodic
for each transaction category Average Daily Balance x comber of da in billing period x Daffy Periodic Rate. (See the finance charge summary on your statement for Use
no'yyc 1 The we addup the Periodic Fir :ice Char tes for each ; dpn category to net the total Penodc Finance Charges kv your Ar roc rot The average. Daily Balance s
it own as zero if, because of the grace period, no Periodic Fnerce gee apply to the balance in a transaction category.
We use the Average Daily Balance firmdrrdag new tranadions) of on latxhg the balance upon which we impose Periodic Finance Charges. We compute the Average Daly
Balance for each transaction category by adding up all the daily s in a billing period for a tnarsachon category and dividing the total by the number of days in the bidig cycle.
We compute the daily balance for each transaction category on each by fast adding tie following to the previous day's daily balance. transactions made that day, fees charged
that day and Pe tic Finance Charges accrued on thin day N a is posted to your Account after the dose of the billing period in which it occurs. we will treat the traisadnn
as having occurred on the fist day of de bpio band in which it is to yourAocount.
All tees yg7J?ouM are aided to the standard ou(dnsse . category with the exception of Cash Advance Transaction Fee Finance Charges which are added to
the iaGa a aanvacna: category and Balance T T sadism Fee Finance Charges which are added to the applicable balance transfer tiansadon category
When die special rate w4wes. we move the unpaid balance of fie ce aaster ad the Balance Transfer Transaction Fee finance Charges to the standard purchase transaction
category. However. if the speowl rate has bean terminated under to Rate Plan: we leave the unpaid balance of the balance transfer aid the Balance Transfer Transaction
Fee Finance Charges in the )ppica* transaction category utg the ? rate would have expired.
For Tim (Telecommunications Derice for the Heat) assistance, 4:11-4W347-7449
Discover may monHor andlor record teleftne calls between yr
The Discover card is issued by Discover Be*, Member FDIC.
representatives for quality assurance purposes
OITBK107
New Balance Minimum Payment Due Account Number ending in 4604
DISCOVER $5,297.56 ! $106.00 Enter Amount Enclosed Below
Payment Due Date $
November 29, 2007 please make check payable to Discover Card or
pay online @ Discovercard.com.
02 SDSN6A01 0018529
FRED HARRISON
237 SOUTHSIDE DR
NEWVILLE PA 17241-8950
Tired of buying stamps? Go mobile! Make
payments from your phone with the Discover
app. Irs fast and irs free. Download today at
http:/twww.discover.com/apps
PO BOX 71084 111 IN gill 11111111111111 121 111
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space 1111111#111111411111111f 611111111111
above, or go to Discover com. Print your e-mail address to
receive important Account information and special offers.
000001986458660225513052975600104000010600
Discover Motiva Card Account Summary
Closing Date: November 2, 2007 page 1 of 1
Account number ending in 4604 Previous Balance $5,216.08
Payment Due Date November 29 2007 Payments And Credits 104.00
Minimum Payment Due $106.00 Purchases + 169.26
Credit Limit $7,500.00 Cash Advances + 0.00
Credit Available $2,202.00 Balance Transfers + 0.00
Cash Credit Limit $1.900.00 Finance Charges + 16.22
Cash Credit Available $1.900.00 New Balance __ _
-=$ 5,297.56
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Cashback BonuSe Opening Cashback Bonus Balance $ 0.73
New Cashback Bonus This Period + 0.42
Cashback Bonus Balance $ 1 15
CashbookBonus® Anniversary.
Month: August
Pay-On-Time Bonus(SM) Update: 2 on-time
payments have been received. Just make 4
more on-time payments in a raw to earn a
Pay-On-Time Bonus!
How Can We Hel You? I Visit Discover.com to pay your bill for no cost view r
P latest Account information, earn and redeem rewards and more
It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) For fast, easy self-service
options or to speak with a Customer Service Account Manager
Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943,
For TDD (assistance for hearing impaired) see reverse side Salt Lake City, LIT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence
Trans. Post
Date Date
Payments and Credits Oct 26 Oct 26 PAYMENT THANK YOU $ 104.00
Merchandise/Retail Oct 22 Oct 22 JP SHTCT2MIWON/FPLLC 818-464-1650 CA 62.44
Travel/ErNertaiunent Oct 26 Oct 26 KOOLWINK MOTEL ROMNEY WV 106.82
gi1>lvtim Charge Summary
Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Ba noes Rates RATES RATE$ _ CHARGES CHARGES
current billing period: 31 days
Purchases $345.97 0.00000% 0.00% F 0.00% $0 $0
Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0
Balance Transfers $4902.87 0.01068% 3.90% F 3.90% $16.22 $0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above
Important Information. If then: is more than one page to this bill' t, seethe bade of each a for additional
pa9 important information.
See your Cardmernber Agreement Your Cardmember agneemet eontli ns allfie terms d you Account.
Lost or stolen cards. Report immediately! Call 1.8DD-347-2603
BIRing Rights Summary. In Case of Eras or Questions About Y Bi il1 you oink your bit s wwong, or it you need more information about a transaction an your bill, write us on a
separate street of paper a Discover. PO Box 3D4Z1, Sall Lake
Qt?
UT 130-0421, as soon as possible We must hear from you no later than 60 days alter we sent you the first bill
on which the arts or problem appeared. You can telephone us, b so will not preserve your rights. In you letter. give us the following information:
• You name and Actard number j
The dollar amount of to suspected error
Describe the error and a**, if you can, why you believe there an trot R you need more information, describe the item you are unsure about.
You do not have to pay any amount in question while we are ' but you are slid obligated to pay the parts of your big that are not in question. While we investigate you
gteslan, we CBMIaI report you as detinquenl or take any action to to arrant you questxn-
Special Rate for Credit Card Purchases: If you have a problem cluelity, of goods or services fiat you purchased with a credd card and you have tried in
ei to
good correct
the problem with fie merchant, you may not have to pay Rio r more ttan
aphaunI de on the goods or services. You have this protection only when the
P purchase price was s m mor
han
$50 end the purchase was made in you fame stale or within 100 es f- mailing
address (R we can or operate the rnechant or if we mailed you the advertisement for the
good or services all the se are covered
paths regardless of the t t
location of of to purchase.)
Payments. Send ahly your payment and the top portion d the n the envelop provided. Do rat send cash. By sending your check as described above. you authorize us
to use mlornation on yor check o rtake and elecbaie kind you Komv at Rine fnanaal immutan indicated on you deck or to process fie payment as a check
transaction. R the payment s processed as an e69tkaic fund van lar " trasfer will be kx the atrahml of the shed- When we use information from your dark o make an
elee"r c lend inarsfar, hods maybe withdrawn from you soma
InStitlltiari. es s Afiw as the same day we restive your payment, and you will era receive your check back from your fnandn
The processing of your fayrnant maybe rkLryadif you sandcaskj Fmilponderice or oter therm with you Payment; f yousw. did the pasarvyhl to arty-cdher-addiess ei d you use an
envelope od w than fie one provided Payments receored n pr t at our processing faciFy by 5PM local time an any day will be reedited to your Account as of that day.
Payments received a our processing tedhty alter SPM bca hire
Discover, PO Bic 6103, Carol Stream. IL60197$103- Please be credited b yourAowue as of the next day. R you have misplaced your envel pe send yes payment to
7-1p days for delivery R your payment is returned u p aid, we reserve Rio right to resubmit it as an
e ectro is debt.
YW can pay your minwitim payment or a greater amount over the and you can set up automatic payments. Call us at 1 ADO-3472683. YW w ll need tis statement and
your bank accou t it(amaion. You must ensue that sulfident available n your bank account and all transactions must oonply with U S. law. YW will be asked to provide
the fast 5 digits of you acoout statement ZIP code By edang as you eleoionic signature, you will be agreeing b this authorization to allow us and you bank to
deduct each payment yon aut orae from your bank accord, and debill or credit entries to you bank account. as applicable, b correct error n der processing of such
payment You trust tell us to amount of each payment, a you c an amount such as Minimum Payrrent Due or the New Balance on each stalenhent. You can cancel a
payment, however we must receive notice at least tree b siness n advance o f the sda ided payment. YW nay notify us by phone at 1-800.347-2683 or by mad at to
address listed in de previous peragreph. if your payments may v n e rhaaht we will tell you on each monthly statement when your payment wig be made and haw troth it will be
Yoe Automatic payment amount may be less them the intl sled .
to mhordtty statement based W credits or payments applied during the filling cycle.
Credit Reporting. We may report information abot you
credit report. We normally reprM to status and payment
please write us at to folowvhg address: Discover, PO Box
PERIODIC FINANCE CHAGES. Peiodc Finance
Chagas
New Balance. by make g payments orreceiung cr edits
the Payment Due Date swam on that staement. and you
purchases. that is. purchases fist appeairng on this scat
purchases. There is no grace period W balance transfers or
We sod your transactions rib groups of purchases, cash ad
For example pudhases subjed o a promotional rate and pu
end of each billing period. we compute Periodic Finanlce Chi
for each transaction category Average Daily Balance x runt
amounts.) Thum we add up the Periodic Faaxhce Charges fn
shown as zero 4, because of die grace period, no Periodic F
acooknt credit bureaus. Late payments, missed payments, a other defaults W your account may be reflected in your
htstay your Account to credit reporting agencies each month, If you believe that our report is maccrrate or incanpkte,
15316 , DE 19850-5316. Please include your name, address, home telephone number and Account number.
ore' on all transactions from the date the transaction is posted to yorAccount until the date you pay your entire
Ffowever, provide the folbwvg 'grew period' If you pad tle New Balance on your pervious billing statement by
pay the by to Payment Due Date on this statement we will not inpose Periodic France Charges on new
errant. L you will receive a biding statement next month tat includes Periodic Finance Charges on fuse new
We use der Average Dally Balance fncl dig new transactions) r
Balance to each Marmchan category by adding up ad the daily f
We compute to daily balance for each transaction category on e
that day and Periodic Finance Charges accrued W that day Ra I
as haavving oco>tred on the fist day d the biwrg period n wdidr it
AM rres?rAccount as added te tle standard purd
the applicable cash advance transaction category and Balace T
When the special rate expires. we move fie unpaid balance of fi
category However, t the special rate has been laminated under
Fee Finance Chagas n the applicable transaction category until
For TDD (Telecommunications Device for the Deal) asslstaa
Discover may uorwlo arhdbr record telephone calls between you
The Discover- card is issued by Discover Bards, Member FDIC.
atilt baLvae blade's and ten irxther sort the transactions withn each group by flat Annual Percentage Rate.
s uAl to standard rate wadd be separate groups. We refer to terse groups as transaction categories. At to
r day of the billing period for each transaction category. We use the following equation b compute Periodic
sits the Ming period x Daily Periodic Rate. (See the finance charge summary on `your statement for these
tan an category to gel the total Periodic Finance Charges for your Account The avetage Daily Balance is
Chapges appiy to the balance n a transacton category.
40of cdadatitg the balance upon which we impose Periodic Finance Charges. We compute tle Average Daily
n a billing period for a transaction category and dividing the total by the number of days n the biling cycle.
h ditly by first adding tle following to tle previous days dagy balance. tansadons made tat day, bees charged
isadbon is posted to yourAowwt after der dose of the biding period in which h occurs. we will heat if. transaction
posted te yorAcmum.
e category with tle exception of Cash Advan a Transaction Fee Finance Charges which ore added to
s Trensacaon Fee Fnarce Charges which ore added a the applicable balance transfer transaction category.
raialice trasfer and the Bator a Trasfer Transaction Fee Fnace C!arges to the standard purchase trarsacton
e Delauit Rate Plan, we leave the ipaid balance d the balance transfer and the Balance Transfer Transaction
e spRaal mite would have expired.
caRl l4II& U7. 449.
nd OrXover representatives for quality assuage purposes
OlTBK107
r-
New Balance I Minimum Payment Due Account Number ending in 4604
DISCOVER $5,552.73 L $111.00 _ Enter Amount Enclosed Below
Payment Due Date
December 30, 2007 Please make check payable to Discover Card or
pay online 0 Discovercard.com.
02 SDSN6A010018530
FRED HARRISON Tired of buying stamps? Go mobile! Make
payments from your phone with the Discover
237 SOUTHSIDE DR app. It's fast and it's free. Download today at
NEWVILLE PA 17241-8950 http://www.discover.com/apps
PO BOX 71084 Illrrrllrtrllrrrrrlrlls,lrl
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space )rrlr))rrlnrlrllnrlrr?rlnr??)?u1141)1.1.1 11 )II (1111111 O
o6ove, or go to Discover.com. Print Your e-mail address to
receive important Account information and special offers.
000001986458660225513055527300110000011100
Discover Motiva Card Account Summary
Closing Date: December 2, 2007 page 1 of I
Account number ending in 4604 Previous Balance $5,297.56
Payment Due Date December 30, 2007 Payments And Credits 110.00
Minimum Payment Due $111.00 Purchases + 349.76
Credit limit $7,500.00 Cash Advances + 0.00
Credit Available $1.947.00 Balance Transfers + 0.00
Cash Credit Limit $1.900.00 Finance Charges + 15.41
Cash Credit Available $1,900.00 New Balance $5,552.73
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Cashback Bonu a Opening Cashbacc Bonus Balance $ 1 15
New Cashback Bonus This Period + 0.86
Cashback Bonus& Anniversary
Month: August
Cashback Bonus Balance $ 2.01
You're halfway there. Just make 3 more
on-time payments in a row and you'll earn a
Pay-OrJime Bonus(SM).
How Can We Help YOU? I Visit Discover com to pay your bill for no cost, view ur
P latest Accourd information, earn and redeem rewardsoand more
It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service
options or to speak with a Customer Service Account Manager
Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943,
For TDD (assistance for hearing impaired) see reverse side Sall Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Dale Date
Payments and Credits Nov 25 Nov 25 PAYMENT THANK YOU $ 110.00
Merchandise/Retail Nov 28 Nov 28 KMART CARUSLE PA 57.84
Nov 30 Nov 30 WAL-MART SC #2574 CARLISLE PA 34.04
Automotive Nov 21 Nov 21 4 WHEEL DRIVE #820 COLUMBIANAOH _ 257,88_
jjggffj Charge Summary
Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FINANCE FMANCE
Bcddnce s Rates RATES RATES CHARGES CHARGES
current billing period: 30 days
Purchases $579.69 0.00000% 0.00% F 0.00% $0 $0
Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0
Balance Transfers $4812.20 0.01068% 3.90% F 3.90% $15.41 $0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above
Important Information. If Iltere is more than ono page to ft billing 1 ir' 1. seethe back of each page for additional impo cant infgmalan
See your Cardinembet Agreement. Your Card"xi ben agreement ad the terms of your Account.
Lost a stolen cw ds. Report anmediatelyl Call i$OiI-347-2663. I
Billing Rights Sunsnary. In Case of Errors (r Questions About Your If think your b? is wrong, or t you need more information about a transedbn on your bill, write us on a
separa'e, ;heel of paper at Discover. PO Box 30421, Satr Lake City, 81 1W21. as soon as possible. We mrst Ilea: from you no later than 60 days after we sent you the first bill
or. which the error or problehn appeared. Yo i can telephone us, but s¢ will not preserve your rights- In your letter. give us the following information
'far iiame and Account minter I
The da:wr amou- of the suspoed error
Describe the error and explain, it you ;on, why you believe tlrare is err O you need more inb motion. describe tie item you are unsure abort.
You do not have to pay any amount in question while we are'
ig.
you are slip obligated to pay the parts of your bill that are not in question. While we investigate your
riuestk'th, we cannot report you as dekrhquent or take any action to t? amount you question.
Special Rate for Credit Casd PurcSases: O You have a problem My of goods or services that you purchased with a credit card and you have tried in good faith to correct
the problem, with the merchaal, you may not have to pay the an due on the goods or services- You have this protection only when the purchase price was more than
550 and Me purchase was made in your hone state or within 100
100
of
f mading address. (ff we own or operate the merchant. or t we marled you the advertisement for the
;rood ot services. all the purchase are covered regerdess or
bon of the purchase.)
Payments. Send only your payment and the top por0on of the in
envelop provided. Do not send cash. By sending your dock as described above, you aul onze us
to use atfofmation on your died( to make and electronic fund 9ftent r in
n accamt at the financial institution indicated on your check or to process the payment as a check
transaction. If the payment is processed as an electronic fund far will be for the amount of the mark. When we use information from your lack to make an
electronic fund transfer, fronds may be witdhawn from your aoaout same day we receive your payment and you wit not receive your check back from your financial
institution
s xx :r7 rr .- F :.1-Alivad •1 : S:+' r ash.. jder?oo or o#w items with yor gam."t.. i( you senrl the payment bany other address or Q yuu use art
envtlope ocher than the one provided. Payments received n proper at kr process rig facility by 5PM local Nme on any day will be credited to your Account as of that day.
Payments received at ohr p,ocessng facility alter 5PM local time od oedited to your Account as of Ine next day. 8 you have misplaced your envelope, send yon payment to
Discover, PO Bunk 6103, Card Stream. IL 66197.6103 Please allow 7 10 for delivery. If your payment is returned unpaid, we reserve the right to resubnW it as an
electrorwrlebt.
You can pay you minim an payment or a greater amount over the 1 , and you can set up automatic payments. Call us at 1-800.3472683. You will creed this statement and
c+our bank award ntormlitan You must ensure that sufficient Lads _ av jil able in yar bank account, and all transactions must comply with U.S. law You Will be asked to provide
the fist ^ digits of you account statement ZIP code. By entarag those purntions as your Nectronic signature. you will be agreeing to this authorization to allow us and your bank to
dedua each payment you suthurize from your bank account- and to or credit entries b your bands account. as applicable, to correct error in the processing of such
psynhert You rrust tell us the mount A each payment, or you can annount such as kfirimurn Payment Due or the New Balance on each statement. You can cancel a
paymed. however We most receive notice at least three business day an a+ancce of the scheduled payment You may notify us by phone at 1-600-347-2683 of by mad at the
address listed in !he previous praragWh. If Your paymherrL may vary t we will tell you on each monthly statement when your payment will be made and how much it wig be
Your Auton aNc payment anant may be less trim tie miAcated on rink !y statement based on credits or payments applied during the billing cycle
Credit Reporting. We may report info: matron about your accord to aus. Late payments, missed payments, or other defaults on your account may be reflected in your
credit report. We romratly report the status and payr:ert history of t to credit reporting agencies each month. 0 you believe Oat our report is inaccurate or nccomplele.
Please write us at the Ict!ovmhg address. Discover PO Box 15316, YV DE 198505316. Please include yar name, address, home telephone number and Account number
PEMODIC FINANCE CHAGES. Periodic Finance Charges are on transactions from the date the transaction is posted to yourAccount until the date you pay your entire
New Bwatoe, by making payments or receiving credts. However, we provide the following -grace period' If you paid the New Balance on your pervious bil ing statement by
the Payment Due Date shave on that statement and you pay the by the Payment Due Dale on this statement we will not impose Periodic Finance Charges on new
purchases that h purchases first appealing on tits statement Other will receive a billing statement next month that includes Periodic Finance Charges on those new
purchases There is no grate period on balance transfers or cash
We sat your banaacbahs into groups of purdases, cash advances, bat" transfers and then father sat the transactions within each group by their Annual Percentage Rate.
For example purchases subject to a promotional rate and prrdases standard rate would be separate groups. We refer to these groups as transaction rategones. At the
end of each burg period, vote compute Periodic Finance Cltrges for of the billing period for each transaction category . We use the following equation to computer
for each Ih:msacbon category Average Daily Bdtance x rhimhber of dot Iillirhg period x Daily Periodic Rate. (See the finance charge summary on your slatemeril for theses
ant: yin!: 1: ?n we r+dkl n^'te F -lr R:iar:a: CE, uq- fur rvhck Ira, an clegory to get hue total Periodic Finance Charges for your Account The average Daily Balance is
Shawn as zero .;. because, et the gi rle pen+e, nc, i' :naafi nnarnca CI gas y to tie balance in a transaction category
We use the Average Daily oatance 1v dudin gl new transactions) d ating the balance upon which we un ose Periodic Finance Charges. We compute the Average Daily
Balance for each transaction category by eddng up all the daily in biling period for a Iransactiat category and divid ng the total by the number of days in the billing cycle
We cattpule the daily balance fa earn transaction category on each by ?ust adding the fctovwng to the previous days daily balance. transactions made tat day fees charged
that day and Periodic Fiance Charges accrued on that day. If a posted to your Account after he dose of the billing period in which it occurs we wig (real the transaction
?
as having occurred on the first day of the billing period in which t is Eo
yautAccou t.
th lees are added to the standard purchase
the trat
h
h
t
l
d B
T category with ft exception of Cash Advance Transaction Fee Finance Charges which are added to
T
i
F
F
r
sac
on ca
egory an
a
ance
rans ct
an
ee
iance Charges which are added to to applicable balance transfer transaction category
.
When die special rale expires, we mmm the tnpahd balance of the sfer and the Balance Transfer Transaction Fee Finance Charges to to standard purchase transaction
cat" However, t to special rate has been term, uted hinder to to Plan. we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction
Fee Finance Charges in th appkcable transaction category until the late would have expired.
For TDD (Telecommudeaddm Device foil the Deaf) assistawe, 1 347-7449.
Discover may monitor ardor reoord telephone rags between you and - representatives for quality assurance purposes
The Dsca+er' card is issued by Discover Bink, Me abet FDIC.
OITBK107
DISCOVER
New Balance Minimum Payment Due
$5,554.10 $111.00
Payment Due Date
January 30, 2008
02 SDSN8A01 0018531
FRED HARRISON
237 SOUTHSIDE DR
NEWVILLE PA 17241-8950
Account Number ending in 4604
Enter Amount Enclosed Below
Please make check payable to Discover Card or
pay online 0 Discovercard.com.
Tired of buying stamps? Go mobile! Make
payments from your phone with the Discover
app. IVs fast and it's free. Download today at
http://www.discover.com/apps
PO BOX 71084 Illnrllurllrnnlrllnlrl
CHARLOTTE NC 28272-1084
Address, e-mail or telephone chonge2 Print change in space (,r),llnlnrl.llurlulrlrrrll?lurlnlulr,llulrr?nlrlu?l
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458660225513055541000125000011100
Discover Motiva Card Account Summary
Closing Date: Jarnuory 2, 2008 page l of 2
Account number ending in 4604 Previous Balance $5,552.73
Payment Due Date January 30, 2008 Payments And Credits 125.00
Minimum Payment Due $111.00 Purchases + 110.92
Credit Limit $7,500.00 Cash Advances + 0.00
Credit Available $1945.00 Balance Transfers + 0.00
Cash Credit Limit $1,900.00 finance Charges + 15.45
Cash Credit Available $1,900.00 _
New Balance = $5,554.10
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Cashback BonuSe Opening Cashback Bonus Balance $ 2.01
New Coshbock Boris This Period + 0.27
Cashback BonusO Anniversary
Month: August
Cashback Bonus Balance
Pay-Ckn-Time Bonus(SM) Update: 4 on-time
payments have been received. Just make 2
more on-time payments in a row to earn a
Pay-On-Time Bonus!
2.28
How Can We Hel You? 1 visit Discover com to pay your 631 for no cost view your
{? latest Account information, earn and redeem rewards and more
It's your choice - 3 ways to help 2. Call 1-80ODMOVER (347-2683) for fast, easy self-service
Please have your Discover Card available. options or to speak with a Customer Service Account Manager
For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943,
Sob Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Date Date
Paymets and Credits Dec 15 Dec 15 PAYMENT THANK YOU $ 125.00
Merchandise/Retail Dec 6 Dec 6 JP BIG LEAGUE/FPLLC 818-464-1650 CA 39.95
Government Services _Dec 1 1 Dec]) WINE & SPIRITS 2110 CARU51E PA 70.97
9133174
Wish you could sort these purchases by amount, description or category? You can - register at Discovercard.com to view
your purchases online as for back as 12 months. Learn more at Discovercard.com/purchases
important Information. If there is more than one page to this bill
See your Cardmember Agreement Your Cardmember agreem
Lost or stolen cards. Report immediately! Call 1-800-347-2683.
B81ing Rights Summary . In Case of Errors or Questions About)
separate sheet of paper at Discover. PO Box 30421, Sap Lake G
on which the error or problem appeared. You can telephone us, b
You name and Account number
The dollar amount of the suspected error
Describe the error and explain, it you an, why you believe tort
You do not have to pay any amount in question white we are rivet
question. we cannot report you as delinquent or take any action it
Special Rate for Credit Card Purchases: it you have a pit",
the problem with the merchant, you may not have to pay the rant
$50 and 1 he purchase was made in your tame state or within 100
good or services, all the purchase are covered regardless dole a
Payments. Send only you payment and the top portion at to skit
to use information on your check to make and electronic kind &an
transaction If the payment is processed as an electronic load trair
electronic had transfer, kinds may be withdrawn from you attar
institution
see the back of each page for additional knportant irdomwtion.
the leans of your Account.
If you think your SH is wrong. or it you need more information abort a transaction on your bid, write us on a
1130-0421, as soon as possible. We must hear hom yotr no later dhan 60 days after we sent you the first bit[
so will not preserve your rights. In your letler. give us the following information-
It you need more information. describe the item you are unsure about
but you are sled obligated to pay to pads of you bid chat are raitn question. While we investigate your
he amount you question.
quality of goods or services that you purchased with a credit card and you have tried in good faith to correct
cunt due on the goods or services. You have this protection only when the purchaser price was more than
yam mating address. (t we own or operate the merchant. or it we mailed you the advertisement for the
location of the purchase)
t the envelop provided. Do not send cash. By sending your check as described above, you authorize us
your account at the financial institution irdicaled on you check or to process On payment as a check
transfer will be for the amount of the check. When we use information from your deck to make an
in as the same day we receive you payment, and you will not receive your chheck back from your financial
The processing Of Yaw payment maybe delayed it you send cask or after items with your payment, if you send the payment to any other addressor f you use an
envelope other than the one provided. Payments received in Prollit i at our processing facility by 5PM local time on any day will be credited to you Account as of that day
Payments received at our processing faakty after SPM local area be led to yaw Account as of the next day. If you have misplaced your envelope, send you payment to
Discover, PO Box 6103, Carol Stream. IL 601978103. Phase 7-1 days for delivery. If you payment is returned repaid, we reserve the right to resubmit it as an
elearorac debit.
You can pay you minimum payment or a greater amount mw the
your bank aomurhl kdomnetion. You must ensue tlhat su6idat fin
the first 5 digits of you account statement ZIP code By anterig th
deduct each payment you authorize from you bank account, and
payment You must pt ere the amount of each payment or you ca
payment. however we must receive ratite at least three business
address listed in the previous paragraph. If your payments may va
Your Automatic payment amount may be less than the indicated a
Credit Reporting. We may report information abet your account
us& report We normally repon the status and payment hslay at
please write us at the Following address: Discover, PO Box 15316,
one, and you can set up aWanatic payments. Call us at 1800,3472663 You will need this statement and
available in you bank aomunl, and all transactions must comply with U.S. law. You will be asked to provide
mbers as your electronic signature, you will be agreeing to Otis authorization to slow us and your bank to
Is debit or credit envies to your bank account. as applicable, to correct error in the processing of such
t an amount such as Minimum Payment Due or the New Balance on each statement. You can cancel a
h advance of the scheduled payment You may nobly us by phone at 1-800-347 2683 or by mad at the
nount we will tell you on each nmrthly statement when you payment will be made and how much it will be.
amMy statement based on credits or payments applied dung the biting cycle.
it bureaus. Late payments, missed payments, or other defaults on your accamt may be reflected in your
ocou t to credit reporting agencies each month. If you believe that our report is inaccurate or ncornplete,
hgfon, DE 19850-5316. Please include your name, address, home telephone number and Account number.
PERIODIC FINANCE CHAGES. Periodic Finance Charges are - on all transactions from the date the transaction is posted to yorAccount until the date you pay your entire
New Balance, by making payments or receiving credits- However, ww provide the following "grace period' If you paid to New Balance on you pervious billing statement by
the Payment Due Dale shown on that statement, and you pay the lance by the Payment Due Date on this statement we will not impose Periodic Finance Charges on new
purchases. that is. purchases first appearing an this statement. you wit receive a billing statement next month that includes Periodic Finance Changes on those new
purchases. There is no grace period on balance trmhsFers orcash .
We sod yam transactions into groups of purchases, cash
For example purchases subject to a pram anal rate and
end of each bfkag period, we compute Periodic finance fltenles
for each transaction category. Average Daily Balance x number of
amounts.) Then we add up the Periodic Finance (charges for sed
shown as zero t, because of de grace period, no Periodic IF
We use the Averege'Daty Balance (col ch g new transadions)
Balance fix each transaction category by adding up all the daffy
We compute the ditty balance for each transaction category an
that day and Periodic Finance Charges ackrked on tat fey to
as hewing attired on the first day d the dNug period kh which it
AN 194AM17Aw Account are added to the standard
the applicable cash advance transa-ton category and Balance T
When the special tap expires, we more the unpaid hitherto of
category However, it the special rate has been lerminaved under
Fee Finance Charges in the applicable transaction category unit
For TDD (Telecommunications Device for the Deaf)
Discover may monitor and!or record telephone calls between you
The Discover' cad is issued by Discover Bank, Member FDIC.
balance Uansfers and then hrdher sat the transthdions xktokm itch 9?P loll ?A+hreval Percentage Rate.
s to standard rate world be separale grouphs. We refer b these groups as trarhsactron catogories. At tle
Ch?dey ot die btkrg retool For each transactiorh cakgory We use the (ak>reirg equatron to Periodic
eys the hillirg pound x Daly Periodic Rate. (See the (stance derga summary m your statement for timers
r an categry t, gel the anal Periuitc finance Charges tt>< yola Accaanl. l ha,, .errg? D`ciy ?3ilanc? s
apply o the balance n a transacion cateyory.
had pf calculating the balance upon which we impose Periodic Finance Charges We compute the Average Daily
nce6 in a billing period for a transaction category and dividing the total by the number of days in the billing cycle
It by to adding the following to the previous day's daily balance, transactions made drel day, fees charged
is posed to you Account after the close of the biling period in which it occurs, we will treat the transaction
J:R' your AcmmL
ategoy with the exceph Fee Finance Chargeand the Bce TransTfarhate e leapa nwould have expired.
c.0114 -347.7449.
d Discover representatives for quality assurance purposes
O1TBKI07
DISCOVER tip to FRED ntnum r
L DISC ? EVE Account number ending in 4604
Go green. Go paperless.
Join the effort to save trees and clean up your mailbox. Just sign up for
Paperless Statements and you con help save over 70 million pages per year.
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for Paperless Statements today.
12010 Dix- Bank, M-t- FDIC
s
PPRGRN.0810
Closing Date: January 2, 2008 page 2 of 2
Finance Charge Summary
Balance Transfer offer for current billing period: Daily Periodic Rate: 0.00795%; corresponding ANNUAL PERCE NTAGE
§yj.S,. Rate is subject to the terms of the offer including expiration.
Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Balances Rates RATES RATES CHARGES CHARGES
current billing period: 31 days
Purchases $901.99 0.00000% 0.00% F 0.00% $0 so
Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0
Balance Transfers $4670.38 0.01068% 3.901/a F 3.90% $15.45 $0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
Questions? Manage your account at Discover.com or
call 1-800-DISCOVER (1.800-347-2683.
DISCOVER $5Now Bal
,65661Ce
02 SDSN8A01 0018532
FRED HARRISON
237 SOUTHSIDE DR
NEWVILLE PA 17241-8950
Minimum Payment Due Account Number ending in 4604
$113.00 Enter Amount Enclosed Below
Payment Due Date $
i
February 28, 2008 Please make check payable to Discover Card or
pay online Q Discovercard.com.
Tired of buying stamps? Go mobile! Make
payments from your phone with the Discover
app. Its fast and it's free. Download today at
http:/twww.discover.com/apps
PO BOX 71084 III,r1 1611 1111111 aIL1111 1 11
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space (i ((fiil??i((I?irlulrl?ullllurlulnl r?ll„In)n??(n(?
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458660225513056566 100125000011300
Discover Motiva Card Account Summary
Closing Date: February 2, 2008 page 1 of 2
Account number ending in 4604 Previous Balance $5,554.10
Payment Due Date February 28, 2008 Payments And Credits 125.00
Minimum Payment Due $113.00 Purchases + 212.31
Credit Limit $7,500.00 Cash Advances + 0.00
Credit Available $1,843.00 Balance Transfers + 0.00
Cash Credit Limit $1.900.00 Finance Charges + 15.20
Cash Credit Available $1,843.00 New Balance = $5,656.61
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
CaAback Bonuse Opening Cashback Bonus Balance S 2.28
New Cashback Bonus This Period + 0.53
Cashbook Bonus-Anniversary.
Month: August
Cashback Bonus Balance $ 2.81
1 on-time payment to go! Make at least your
Minimum Payment Due by the Payment Due
Date and earn your next month's interest as a
Pay-On-Time Bonus(SM).
How Can We Help YOU? 1 Visit Discovier com to pay your bil for no cost, view your
P latest Account information, earn and redeem ,'.,9
ewards and more
It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service
options or to speak with a Customer Service Account Manager
Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943,
For TDO (assistance for hearing impaired) see reverse side Sob Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence
Trans. Post
Date Date
Payments and Credits Jon 23 Jan 23 PAYMENT THANK YOU $ 125.00
iMerchond6e/Retail Jan 5 Jan 5 JP BIG LEAGUE/FPLLC 818-464-1650 CA 39.95
Jan 22 Jan 22 QUALITY CARE PHARMACY CARLISLE PA 53.36
Gasoline Jan 15 Jan 15 FLYING 1 CARLISLE PA 40.00
Jon 22 Jon 22 FLYING J CARLISLE PA 41,00
Jan 30 Jan 30 FLYINGJ CARLISLE PA 38.00
9133174
Get cash with your Discover(R) Card at ATMs nationwide. For a personalized PIN call 1-8004NSCOVER (1-800-347-2683).
It's fast, safe, and secure. Plus, you can use it immediately.
i
Importard Information. If there is more than one page to this bi ilk sl nt, see the back of each page for additional important mfomialion.
See your Cardmember Agreement. You Cardmernber ins all the terms of your Account
Lost or stolen cants. Report immediately! Call 1$00 347-2683.
Billing Rights Summary. In Case of Errors or OuestiamsAbout Y A - t you think your big is wrong, or t you need more information about a transaction on your bill, write us on a
separate sheet of paper at Discover PO Box 30421, Sell Lake C UT 14130-0421, as soon as possible. We must treat hom you no later than 60 days after we sent you the fast bill
on which the error or problem appeared. You can telephone us, so will not preserve your rights. In your letter. give us the khllowuhg information
Your name andAcoout number
The dollar amour e of tre suspected era
Describe the error and explain. 4 you can. why you believe them an a=- If you need more information describe the Bern you are unsure about.
You do not have to pay any amount in question while we are . but you are still obligated to pay the parts of your bill that are not in question. While we investigate your
greston, we carat report you as delnquent or take any actiat b Bee amount: you question.
Special Rate for Credit Card Purchases: if you have a problem kpsMy of goods or services that you purchased with a credil card and you have tried in good faith to correct
the problem with the merchant, you may rat have to pay the 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 lame stale or WOO 100 you mailing address. (If we own or operate the meicban(, a if we mailed you the advertisement for the
good or services. all the purchase are covered regardless of the or location of the purchase.)
Payments. Send only your payment and the top portion of the in the envelop provided. Do not send cash By sending you check as described above, you authorize us
to use information on your check to make and electronic had fir no you account at the fnancal institution indicated on you check or to process the payment as a check
transactor. H tha payment is processed as an electronic kid transfer will be for the amount of the check. When we use information nom your check to make an
electrons: fund transfer, funds may be withdrawn from you as s )on as the same day we receive you payment, and you will not receive your check beck from your financial
ihstAition.
The processing of your payrneM.maybe delayed d you send cash pondence or other items with your paym anti: d you send Me payment to any other addressor 9 you use an
emvlope, other than toe one provided Payments received in for at our processing tidily by 5PM kual hire on any day will be credited to you Account as of tat day
Paymerts received at our processing facility after 5PM local time be edited to your Account as of the next day. If you have moaced your envelope, serif your payment to
Discover, PO Box 6103, Card Strearn. IL 60197.6103. Please 7-1 ) days for delivery If your payment is returned unpaid, we reserve the right to resubmit it as an
electronic debt
You can pay your mmanum payment a a greater amount over , and you can set rp automatic payments. Call us at 1.800-3472683. You will need this statement and
yam bank account inkirmalion. You must ensue that sdficiaM available in your bank account, and all transaGwns must comply with U.S. law. You will be asked to provide
the AN 5 digits of you account statement ZIP code. By entering rs as your electron: signature, you will be agreeing to this authorization to allow us and your bank to
deduct each payment you authonze from you balk account imd a debit or credit entries a your bank account. as applicable, to correct error in the processing of such
payment. You must ten hs the amour of each payment, a you an amount such as Minimum Payment Due or the New Balance on each statement. You can cancel a
payment however we must receive notice at least tree Gwrress advance of the scheduled payment. You may notify us by phone at 1-800-347-2683 or by mail at the
address listed in the previous paragraph- If you payments may in urd we will tell you on each monthly statement when your payment will be made and how much 0 will be
Your Automatic payment amount may be less then the ntkCaled the statement based on credits of payments applied during the biting cycle.
Credit Reporting. We may report information about you aocohrl a bureaus. Late payments, mussed payments, or other defaults on your accord may be reflected in your
cretin report. We normally report the status and paymem history yam occurtl to credit reporting agencies each month. it you believe that our report is inaccurate or incomplete,
please white rs at the following address Discover. PO Box 15316 Vion. DE 19850.5316. Please include your name, address, home telephone number and Account number.
PERIODIC FINANCE CHAGES. Periodic Finance Charges are' on all harsactiors from the dale the transaction is posted to your Account until the date you pay you entire
New Balance, by making payments or receiving credits. However, provide the followwg'grace period" If you paid the New Balance on your pervious bifi g statement by
the Payment Due Dale shown on that statement, and you pay large by the Paynhent Due Date on this statement we will rot impose Periodic Finance Charges on new
purchases. that is, purchases first appearing on this statement. . you will receive a billing statement next month that includes Periodic Fhrhance Charges on those new
purchases. There is no grace period on balance transfers or cash xis.
We sort you transactions into groups of purchases. rash balance transfers and then hrrther sort the transactions within each grail by their Annual Percentage Rate.
For exarrple purchases shbject to a promotional rate and
9 b standard rate would be separate grails. We refer to these groups as transactor celegones. At the
end of each bung period. we compare Periodic Finance C day of the billing period far each transaction category. We use the follows g equation to compute Periodic
for each transaction category Average Daily Balance x rw
mbar the falling period x Daily Periodic Rate. (See the finance charge summary on you statement fat these
antiounts.) Then we add up the Periodic Finance Charges for tr category to get the alai Periodic Finance Charges for your Account The aver we Daily Balance is
shown as zero if, because of the grace penod, no Periodic F' s apply to the balance in a transaction category.
We use the Average Daily Balance (including new transactions) of calculating the balance upon which we u pose Periodic Fin enm Charges We compute the Average Daily
Balance far each transaction category by adding up all the daily in a billing period for a transaction category and dividing the total by the number of days in the billing cycle.
We compute the daily balance for each transaction category on by first adding the following to the previous day's daily balance, transactions made that day, fees charged
that day and Periodic Finance Charges accrued on that hay. Ka is posted to you Account after the close of the tilling period in which t occurs, we will treat the transaction
as having occurred or the first day of the biting period in vnsch it to yo rAccount.
AI 4
ftAcco nt are added to the standard
W
coon category with the exception of Cash Advance Transaction Fee Finance Charges which are added to
.
I
the anoe transaction category and Baibt T Transaction Fee Finance Charges which are added to the applicable balance transfer transaction category
When the special tale expires. we move the unpaid balance of transta and the Balance Transfer Transaction Fee Fiance Charges to the standard purchase transaction
category. However, d the special rate has been terminated under Rate Plan, we leave the unpaid balance of tlo balance transfer and the Balance Transfer Transaction
Fee Fi anoe Charges in the applicable transaction category until rate would have expired.
For TOD (TekcommurlcaWhro Device for the Deaf) 1-800.347-7449.
Disarmer may morhtor arhdbr record telephone cats between you at representatives for quality assurance purposes
The Discover' card is issued by Discover Bank, Member FDIC
I I OlTBK107
DISCOVER I hpays to FREountnu ben
I _DISCOVER Account number ending in 4604
Go green. Go paperless.
Join the effort to save trees and clean up your mailbox. Just sign up for
Paperless Statements and you can help save over 70 million pages per year.
You'll also be helping yourself to 24 months of password-protected, statement
history, complete with merchant names, locations and zip codes.
Go to Discover-corn/paperless and sign up
for Paperless Statements today.
R'2010 D--- Bonk. M-b a FDIC
ED R
PPRGRN.0810
Closing Date: February 2, 2008 page 2 of 2
Finance Charge Summary
Balance Transfer offer for current billing period: Daily Periodic Rate: 0.00795%; corresponding ANNUAL PERCE NTAGE
9".39M. Rate is subject to the terms of the offer including expiration.
Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
lances Rates RATES RATES CHARGES CHARGES
current billing period: 31 days
Purchases $1027.49 0.00000% 0.00% F 0.00% $0 $0
Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0
Balance Transfers $4592.96 0.01068% 3.90% F 3.90% $15.20 $0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
Questions? Manage your account at Discover.cotn or
call 1-800-DISCOVER (1-800-347-2683).
New Balance i Minimum Payment Due Account Number ending in 4604
$5,885.17
DISCOVER I $118.00 Enter Amount Enclosed Below
Payment Due Date $ -?
March 30, 2008 Please make check payable to Discover Card or
pay online @ Discovercard.com.
02 SDSN6A010018533
FRED HARRISON
Tired of buying stamps? Go mobile! Make
payments from your phone with the Discover
237 SOUTHSIDE DR app. It's fast and it's free. Download today at
NEWVILLE PA 17241-8950 http://www.discover.com/apps
PO BOX 71084 Illot rllrrrll.go rsill liIII rl
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space I IrI) ) )I I I?? IiIIn?Iulnlto Il„11?I$II I I I I I I
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458660225513058851700125000011800
Discover Motiva Card Account Summary
Closing Date: March 2, 2008 page 1 of 2
Account number ending in 4604 Previous Balance $5,656.61
Payment Due Date March 30, 2008 Payments And Credits 125.00
Minimum Payment Due $118.00 Purchases + 327.26
Credit Limit $7,500.00 Cash Advances + 0.00
Credit Available $1,614.00 Balance Transfers + 0.00
Cash Credit Limit $1,900.00 Finance Charges + 26.30
Cash Credit Available $1,614.00 New Balance = $5,885.17
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Cashback Bonuse Opening Cashback Bonus Balance $ 2.81
New Cashbock Bonus This Period
Pay-On-Time Bonus + 26.30
Everywhere Else + 0.81
Coshback $onusO Since Anniversary Month Cashback Bonus Balance $ 29.92
August- $29.92
CONGRATULATIONSI You earned $ 26.30
as a Pay-0n-Time Bonus(SM). Visit
Discovercard.com or call 1-800-DISCOVER
(1-804347-2683) to redeem your reward)
Can We Help You?
How 1 Visit Discover cam to pay your bil for no cost, view ou
r
latest Account information, earn and redeem rewards and more
It's
our choice - 3 wa
s to hel 2. Call 1-800-DISCOVER (347-2683) for fast, easy selfservice
p
y
y options or to speak with a Customer Service Account Manager
Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943,
For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Date Date
Payments and Credits Feb 27 Feb 27 PAYMENT THANK YOU $ 125.00
Merchandise/Retail Feb 6 Feb 6 J PAUL BIG LEAGU/FPLLC 818.464-1650 CA 39.95
Feb 13 Feb 13 PRINCESS HOUSE TAUNTON MA 178.00
Gasoline Feb 21 Feb 21 FLYING J CARLISLE PA 37.50
Feb 24 Feb 24 SHEETZ 00002634498 CARLISLE PA 37.76
Feb 27 Feb 27 FLYING J CARLISLE PA 34.05
Information For You
Y`?kl:?i m" The Payment Due Date for your Account will be changing beginning with the statement you receive in May
2008. The new date will be printed at the top of the remittance coupon. You will continue to receive at least 25 days from
the last day of your previous billing period until your payment is due.
Did you know that you can get cash at ATMs with your Discover(R) Card? Whether it's for a well deserved vacation, a last
minute birthday gift, or a much needed air conditioner, Discover Card can always help you out. All you need is your
Discover Card and a PIN. To request a PIN or change your existing PIN call 1-800-DISCOVER (1-804347-2683).
Need some help around the house? Get organized for spring with your Discover(R) Card. Get 5% to 20% Cashbock
Bonus(R) at top online retailers like Linens 8, Thinnggs, Sears and Office Max on our exclusive online shopping site,
Shopf?scover Visit Discovercard.com/shop todayl
Imporhrtt Information If there is more than one page to His bitten " tell, see the back of each page for additional important information.
See you Cardmember Agreement Your Cardinernber ago all the terms of your Account.
Lost or stolen cards. Report immediately' Call 1-800-347.2683.
Billing Rights Summary. In Care of Errors or Questions Abort Y Bti If you tank 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 Discover. PO Box 30421. Sall Lake Cd) UT 130-0421, as soon as possible We must hear from you no later than 60 days after we sent you the lest bill
on which the error or problem appeared. You can telepham us, so will not preserve your rights. In your Letter, give us the following information:
Your name and Account number
The dollar amours of the suspected error
Describe the error and explain, it you can, why you believe Hw e an or. 9 you need more information. describe it* item you are unsure about.
You do not have to pay any amount in question while we are in but you are still obligated to pay the parts of your big that are not in question. While we investigate you
itueslion, we cannot report you as delinquent or take any action to the amount you question.
Special Rate for Credit Card Purchases: If you have a prob'am it i quality of goods or services that you purchased with a tract card and you have tried in good forth to cared
the problem with the nrerchanl, you may not have to pay the t due on the goods or services You have tlhs protection only when the purchase price was more than
$50 and the prchese was made in your home state or whin 100 yea morning address. IN we own or operate the merchant, aT we maned you the advertisement to the
good a services: all the purchase are covered regardless of the. location of to purchase.)
o
trio
Payrrrerrb. Send only you payment and tla top
ovided. Do not send cashBy sending you dnedk as described above, you authorize us
in the envelop pr
fit
to use information on your check to make and elelord your account at Hue financial i stitution indicated on you check a o process th payment as a check
g
iransacham. Y Hw payrrhenl is processed as an elfund transfer will be for the amount of Hte dhoti . When we use idannation nom yam check ro make a
electronic fund transfer, funds may be withdrawn ur as as the same day we receive you payrnert, and you will not receive your check back from your lihahdal
nsttuution.
The processing of your payment maybe delayed if you send.cas ce or other dams with your payment, 0 you send the payment to any other address or if you use an
envelope other than the one provided. Payments received in at our processing facility by 5P61 local time on any day wit be credited to your Accent as of that day.
Payments received at our processing facility after 5PM local time be edited to you Account as of the next day If you have misplaced your envelope, send you payment to
Discover, PO Box 6103, Card Stream. IL 60157-6101 Plesse ago f 7-1 days for delivery. If you payment is returned unpaid, we reserve the right to resubmit it as an
elecsnmc debit.
You can pay you minimum payment or a greater amount aver the aleept one. and you can set up automatic payments. Call us at 1$00-3472663. You wig need this statement and
you bank accoad information. You must ensue that sufficient fun t arc available in your bank account, and all transactions must comply with U S. law. You will be asked to provide
the first 5 dgds of you accost statement ZIP code. By entering as your electronic signature. you will be agreeing b this authorization to allow us and your bank to
deduct each payment you awhorize from your bank account. and a debit or credit entries to your bank account as applicable, to correct error in the processing of such
payment You most fail us the amount of each payment, or you an amount such as Minimum Payment Due or the New Balance on each statement. You can cancel a
paymerhl howevor we must receive notice at least three bbusiuss ys advance of the scheduled payment. You may notify us by phone at 1-800-347-2683 or by mail al the
address listed in the previous paragraph. If you payments may v in unt we will tell you an each monthly statement when you payment will be made and how much it will be.
You Automatic payment amount may be less then the indicated ifw tldy statement based on credits or payments applied dung the bilking cycle.
Credit Reporting. We may report information show your cr ' 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 you t to credit reporting agencies each month. It you believe that our report is inaccurate or incomplete,
please write us at the following address: Discover, PO Box 15316 n, DE 19850-5316. Please include you name, address, home telephone number and Account number.
PERIODIC FNWXE CHAGES. Periodic Finance Charges are on at transactions from the date the transaction is posted to you Account until the date you pay your entire
New Balance, by making payments or receiving credits. However provide the following -grace period' $ you paid the New Balance on your pervious Wing statement by
the Payment Due Dale shown on that statement, and you pay alance by the Payment Due Date on this statement we will not impose Perodic Finance Charges on new
purchases. OW is, purchases fast appearing on this stalarenl D. you will receive a billing statement next month that includes Periodic Finance Charges on those new
purchases. There is no grace period on balance transfers or cash ?es.
We sat your transactions into groups of purchases, cash acv balance transfers and then further sod the transactions within each group by their Annual Percentage Rate.
For example purchases subject to a promotional rate and so led to standard rate would be separate groups. We refer to these groups as transaction calegones. At the
end of each bang period, we corrhpwe Periodic Finance (2tagss day of the billing period for each transaction category. We use the following equation to compute Periodic
for each transaction category Average Deity Balance x manner ys the biing period x Daily Periodic Rate. (See the finance charge summary on your statement for these
anaunis.) Then we add up the Periodic Finance Charges br tr category to get the tote! Periodic Finance Charges tnr your Account The average Daly Balance is
irm
dawn as Lem if, because of tie grace period, no Periodic F' apply to die balance in a transaction category.
We use the Average Daly Balance (mcludirg new transactions) of calculating the balance upon which we impose Periodic Finance Charges. We compute the Average Daily
Balancefa each transaction category by adding up all thededy in a billing period for a transaction category and dividing time total by the number of days in the biting cycle.
We compute the daily balance for each transaction category on by kiss adding she following to the pre%ious day's daily balance. transactions made that day, fees charged
tut day and Periodic Finance Changes accrued on that day Its ion is posted to you Accoumt after the dose of the billing period in which t occurs. we will treat the transaction
as having occu red on the fist day of the billing period in which it pos loyourAccount.
All Account are added to the standad pur t - category with the exception of Cash Advance Transaction Fee Finance Charges which are added to
the applicable cash advance transaction category and Balance Ti insfie Transaction Fee Finarxe Charges which are added to the applicable balance transfer transaction category
When the special rate expires, we move the unpaid balance of lb bale ice transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transactor
category. However, if the special rate has been terminated under ie 13 auto Rake Plan. we leave the unpaid balance of the balance transfer and the Balarae Transfer Transaction
Fee Finance Charges in the applicable transaction category until rate would have expired.
For TDO (Telecommunications Device for the Deal) assistanc i. ca 140111-347-7449.
Discover may monitor anrdlor record telephone tags between stover representatives for quality assurance purposes
The Dismve a card's issued by Discover Bank, Member FDIC.
OlTBK107
tnu ben
DISCOVER It pays to fREounHARRISON
Account number ending in 4604
D11 CIVEZ
i. -
Go green. Go paperless.
Join the effort to save trees and clean up your mailbox. Just sign up for
Papedess Statements and you can help save over 70 million pages per year.
You'll also be helping yourself to 24 months of password-prolected, statement
history, complete with merchant names, locations and zip codes.
Go to Discovercom/paperless and sign up
for Paperless Statements today.
012010 Discover Bank, M-bw FDIC
?R
PPRGRN.0810
Closing Dab: March 2, 2008 page 2 of 2
Finance Charge Summary
Balance Transfer offer for current billing period: Daily Periodic Rate: 0.00795%; corresponding ANNUAL PERCENTAGE
9"133.M Rate is subject to the terms of the offer including expiration.
Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Balances Rates _ RATES RATES CHARGES CHARGES
current billing period: 29 days
Purchases $1325.09 0.03216% 11.74% V 11.74% $12.36 $0
Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0
Balance Transfers $4505.32 0.01068% 3.90% F 3.90% $13.94 $0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
Questions? Manage your account at Discover.com or
call 1-800-DISCOVER (1-800-347-2683)
New Balance
$7,265.29
DISCOVER
02 SDSN6A01 0018534
FRED HARRISON
237 SOUTHSIDE DR
NEWVILLE PA 17241-8950
Minimum Payment Due Account Number ending in 4604
l $145.00 Enter Amount Enclosed Below
l Payment Due Date
April 29, 2008 Please make check payable to Discover Card or
pay online 0 Discovercard.com.
Tired of buying stamps? Go mobile! Make
payments from your phone with the Discover
app. Its fast and its free. Download today at
hftp://www.discover.com/apps
PO BOX 71084 (??rrrllrrr?(rrrrrlrl?rr(r
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space
above, or go to Dtscover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458660225513072652900125000014500
Discover Motiva Card Account Summary
Closing Date: April 2, 2008 page 1 of 2
Account number ending in 4604
Payment Due Date April 29, 2008
Minimum Payment Due $145.00
Credit Limit $7,500.00
Credit Available $234.00
Cash Credit limit $1.900.00
Cash Credit Available $234.00
Previous Balance $5,885.17
Payments And Credits 125.00
Purchases + 745.87
Cash Advances + 302.00
Balance Transfers + 400.00
Finance Charges +57.25
New Balance $7,265.29
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Cashback Banuse Opening Cashbock Bonus Balance $ 29 92
New Cashback Bonus This Period + 2.43
Cashbock-Bonus®Since Anniversary Month
August: $32.35
Cashback Bonus Balance
32.35
Pay-On-Time Bonus(SM) Update: 1 on-time
payment was received. Simply make 5 more
on-time payments in a row to earn a
Pay-On-Time Bonus!
How Can We Help You? 1 Visit Discover com to pay your b? for no cost, view your
p latest Account information, earn and redeem rewards and more
It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service
options or to speak with a Customer Service Account Manager
Please hove 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
Dante
Payments and Credits Mar 18 Mar 18 PAYMENT THANK YOU $ 125.00
Merchandise/Retail Mar 7 Mar 7 J PAUL BIG LEAGU/FPLLC 818-464-1650 CA 39.95
Mar 7 Mar 7 WAL-MART SC #2574 CARLISLE PA 91.80
Mar 21 Mar 21 WAL-MART SC #2574 CARLISLE PA 28.13
Mar 26 Mar 26 WAL-MART SC #2574 CARLISLE PA 59.33
Mar 26 Mar 26 THT`DESIGNS 800-443-0141 NE 44.75
1719691 ONT
Mar 28 Mar 28 WAL-MART SC #2574 CARLISLE PA 260.33
"OM 74 Mar 6 Mar 6 FLYING J CARLISLE PA 27.01
Mar 10 Mar 10 FLYING J CARLISLE PA 28.00
Mar 23 Mar 23 SHEETZ 00002329498 MT HOLLY SPRGPA 35.01
Mar 26 Mar 26 FLYING J CARLISLE PA 33.50
Mar 31 Mar 31 FLYING J CARLISLE PA 40.50
Cash Advances Mar 7 Mar 7 MEMBERS 1ST FCU ENOLA PA 302.00
Mar 7 Mar 7 CASH ADVANCE TRANS FEE FINANCE CHARGE 9.06
Balance Transfer Mar 26 Mar 26 BALANCE TRANSFER CHECK 0312 400.00
APR 2.90% EXPIRES 08/2008
Mar 26 Mar 26 BAL TRANS TRANSACTION FEE FINANCE CHARGE 12.00
Did you know that you can get cash with your Discover(R) Card at Banks and Credit Unions nationwide, including
Citibank(R), Wells Forgo(R), and Washington Mutual(RI? Just show the bank teller your Discover Card and a photo ID to get
the cash you need.
Important Information. If there is more than one page to ties brtr
See your Cardmember Agreement. Your Cardmember agrcernei
Lost or stolen cards. Report immediately? Call 1300347-2663.
Billing Rights Summary. In Case of Errs or Questions About Yc
separate sheet of paper at Discover. PO Box 30421, Salt Lake Cal
on which the error or problem appeared- You can telephone us, bu
Your name andAcmud number
The dollar amount of the suspected error
Describe the error and explain, d you can. why you believe there
You rho not have to pay any amount in question while we are awes
question, we cannot report you as delinquent or lake any action to
Special Rale for Credit Card Purchases: If you have a problem,
the problem with the me cthar d, you may not have to pay the rams
$50 and the purchase was made in your horse state or within 100
good or services, all the purchase are covered regardless of the a
Payments. Send oily your payment and the by portion of he stal
to use eilormatien on your check to make and electronic frets Yore
transaction. tithe payment is pracessed as an electronic fund ban.
electronic fund transfer, funds may be withdrawn from you amour
Institution.
see the back of each page for additional important information.
the terms of your Account
If you tihirhk your bill's wrong, or d you need more Womhation about a transaction on your bill, write us on a
1130-0421, as soon as possible. We must hear from you no later than 60 days after we sent you the first bill
so will not preserve your rights. In you letter, give us the following information:
H you need more information. describe the kern you are usure about.
but you are still obligated to pay the pans of your big that are not in question. While we investigate your
he amourd you question.
qua* of goods or services that you purchased with a credit card and you have tried in good faith to correct
oust due an the goods or services You have this protection orgy when the purchase price was more dean
your mahig address. (If we own or operate the merchant. or it we mailed you the advertisement for the
n the envelop provided. Do not send cash By sending you check as described above, you aut1horize us
you account at the fnhanaal institution indicated on your check or to process the payment as a check
transfer will be for the amount of the check. When we use information from your cheek to make an
n as The some day we receive your payment, and you will not receive your check hack from your financial
The pracesssg Of you payment maybe debyed if you send.rash or other items with you payment d yousend the-payment loanyother addressor6 youusean
envelope other !lien the one provided. Payments received n prop4 at our processing facility by 5PM focal time on any day will be credited to you Account as of Mat day.
Payments received at our processing facility after 5PM local time be r or you Account as of the next day. It you have misplaced your envelope, send you payment to
Discover, PO Box 6103. Cad Stream. IL 60197?1Q3. Please 7-1 days for delivery. H your payment is returned unpaid, we reserve the right to resubmit 9 as an
electronic debit.
You can pay you minimum payment or a greater amount over the
your bank arrant information. You must ensure Mat S1tHrprt are
the first 5 dots of you amount statement ZIP mde. By erhkerirhg m
dodo each paymenl you authorize from you bark account, and emits
era
payment You must *0 us the amount of each payment. ar you
sale
payment, however we must receive notice a least three ba5ness i
address listed in the previous paragraph. t you payments may n a
Your Automatic payment amount may be less Men the m lmeled o tine r
Credit Reporting. We may report inf rrnlalion abed your aomkmr cre
credit report We normally repot the status and payment listorhy of
please write us at the following address: Discover, PO Box 15316, knit
PERIODIC FINANCE CHAGES. Periodic Finance Charges are'
New Balance, by making payments or receiving credits. However, wi
the Payment Due Date shown an that statement, and you pay the I
purchases, that is. purchases fast appearing on this statement. wits
purchases Theta is no grace period on balance aai sfers a cash
We sat you transactions into groups of purchases: rash and
For example purchases subject to a promotional rate and sit
end of each billing period. we co riprde Periodic Finance Chagas ea
for each hansaclon category. Average Davy Balance x number of ys i
amounts.) Then we add imp the Periodic Finance Changes for each ens
shown as zero t, because of die grace period, no Pei *& Fria Chas
We use the Average Daily Balance (including new trarisactions)
Be*" for each transaction category by adding up at the daily
We corrpule the daily balance for each transaction category on da
that day and Periodic Finance Charges alu u d on Matt day. Ha
as having ocarred on the list day of the billing period n which it posh
At &JjjW t7y?Qhr Account are added to toe standard us
the applicable cash advance transaction category and Baberrce T ter
When the special rate expires. we move the unpaid balance of the
category. However. i(Me special rate has been terir wvwwftd uder De
Fee Finance Charges in the appiceble transaction, c akeWy Irdd W
For TDO (Telecommunications Device for the Deali assistant{ cat
Discover may nand r andror record telephone cats between you
The Discover' card is issued by Discover Bank, Member FDIC.
one, and you can set up automatic payments. Cat us at 1 M0-3472663. You will need this statement and
available in your bank account. and all transactions must comply with US- law. You will be asked to provide
hbers as your electronic Wish". you will be agreeing to this authorization to allow us and your bank to
a debit or credit entries to you bank account as applicable, to correct error in the processing of such
an amount such as Mnmuon Payment Due or the New Balance on each statement- You can cancel a
advance of the scheduled payment. You may raliFhi us by phone at 1-SW-347-2683 or by mar at the
mum we will tag you on each monthly statement when you payment will be made and how much it wit be.
mthly statement based on credits or payments applied during the bdM cycle.
it bureaus. Late payrnens, missed payments, or other detauls on you amour shay be reflected in your
mount to credit reporting agencies each month. H you believe Mat our report is inaccurate or incomplete,
)ton.. DE 1985053116 Please include your name, address, !home telephone nirnber and Amount number.
on all transactions from the date the transaction is posted to your Account until the date you pay your entire
provide tithe following "grace period" ll you paid the New Balance on your permits biting statement by
glance by the Payment Due Date on this statement we will not impose Periodic Finance Charges on new
you will remove a billing statement next month that incchrdes Periodic Finance Charges on those new
balance transfers and Men tether sort the transactnrhs within each group by their Armal Percentage Rate.
tics to standard rate would be separate groups. We refer to these groups as transaction categories. At the
day of the billing period for each transaction category . We use the fo to mg equation to mmpule Periodic
the filling pennd x Daily Periodic Rate (See the finance charge summary on you statement for these
ton category to get the total Perodic Finance Charges for your Acconnt Pie average Daily Balance is
es apply to the balance in a transaction category
I calculating the balance upon which we appose Periodic Finance Charges. We compute the Average Daily
in a biting period for a transaction category and diwding the total by the number of days in the billing cycle.
by first adding the following to the previous day's daily balance. transactions made that day, fees charged
on is posted to you Amount after the close of the billing period in which it occurs. we will treat the transaction
I to your Account.
sactimn category with the exception of Cash Advance Transaction Fee Finance Charges which are added to
ransaciton Fee Finance Charges which are added to the applicable balance transfer transaction category.
e transfer and the Balance Transfer Trarsacbmn Fee Finance Charges to the standard purchase transaction
bat Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction
at fate world have expired.
quality assurance purposes
OITBK107
DISCOVER
It pays to FRED HARRISON
_ DISCOVER Account number ending in 4604
Go green. Go paperless.
Join the effort to save trees and clean up your mailbox. Just sign up for
Paperless Statements and you can help save over 70 million pages per year.
You'll also be helping yourself to 24 months of password-protected, statement 21 R
history, complete with merchant names, locations and zip codes.
Go to Discovercorn/papertess and sign up
for Paperless Statements today.
P2010 D-.- 9-1, Member FDIC PPRGRN.0810
Closing Date: April 2, 2008 page 2 of 2
Supermarkets Mar 19 Mar 19 SAYLORS NEWVIULLE PA
57.56
Information For You
Look for a change to your Payment Due Date next month. Remember we offer several payment options such as electronic
payments through our Account Center at Discovercard-com and parby--phone at 1-800-DISCOVER (1-800-347-2683).
Why not separate business expenses from personal expenses with the Discover(R) Business Card. You'll get $60 extra
Cashbock(R) Bonus - just use your card once a month for the first 6 months and earn an extra $10 Cashback Bonus each
month. Learn more at Business.Discovercard.com - apply there or call 1-888-204-8873, mention source code ZABD.
Through generous Cardmembers like you, Discover(R) Card has donated almost $16 million to the Make-A-Wish
Foundation(R). Consider contributing your Cashback Bonus(R) to the Make•A-Wish Foundation to help make a child's dream
come true. To further your donation, Discover will add an additional 20%. Visit Discovercard.com or Wish.org
Finance Charge Summary
9133174 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 $1786.31 0.03011% 10.99% V 10.99% $16.67 $0
Cash Advances $272.96 0.05751% 20.99% F 55.35% $4.87 $9.06
Balance Transfers $106.34 0.00795% 2.90% F 36.75% $0.25 $12.00
Balance Transfers $4351.56 0.01068% 3.90% F 3.90% $14.40 $0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
Questions? Manage your account at Discover.com or
call 1-800-DISCOVER (1.800-347-2683).
DISCOVER
New Balance i Minimum Payment Due Account Number ending in 4604
$7,496.06 `$150.00 Enter Amount Enclosed Below
Payment Due Date $ --?
May 28, 2008 Please make check payable to Discover Card or
pay online 0 Discovercard.com.
02 SDSNGA010018535
FRED HARRISON
237 SOUTHSIDE DR
NEWVILLE PA 17241-8950
Tired of buying stamps? Go mobile! Make
payments from your phone with the Discover
app. It's fast and irs free. Download today at
http://www.discovercom/apps
ssrr?e??rr?r?
PO BOX 71084 11111111111 111
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space 11 1 II 11 11111 111 1 1 1111 J 1111t.111 1111u11iIt 11
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458660225513074960600145000015000
Discover Motiva Card Account Summary
dosing Date: May 2, 2008 page 1 of 2
Account number ending in 4604
Payment Due Date May 28, 2008
Minimum Payment Due $150.00
Credit Limit $7,500.00
Credit Available $3.00
Cash Credit Limit $1,900.00
Cash Credit Available $3.00
Previous Balance $7,265.29
Payments And Credits 145.00
Purchases + 332.94
Cash Advances + 0.00
Balance Transfers + 0.00
Finan_ce_Charges +
42.83
New Balance _
- - =7,496.06
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Cashbock Bonuse Opening Cashback Bonus Balance $ 32.35
New Cashback Bonus This Period + 1.66
Cashback Bonus Balance $ 34.01
Cashback BonusO Since Anniversary Month
August: $34.01
Pay-0n-Time Bonus(SM) Update: 2 on-time
payments have been received. Just make 4
more on-time payments in a row to earn a
Pay-On-Tims Bonus!
How Can We Help You? 1 Visit Discover.com to pay your bill for no cost, view your
P latest Account information, earn and redeem rewards and more
ft's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy selhservice
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,
Soft Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence
Trans. Post
Dote Daft
Payments and Credits Apr 15 Apr 15 PAYMENT THANK YOU $ 145.00
Merchandise/Retail Apr 6 Apr 6 TUPPERWARE/INTERNET 888-887-9273 FL 92.11
Ga_ solirm _Apr 2 _ Apr 3 FLYING J CARLISLE PA 34.01
Apr 7 Apr 7 FLYING J CARLISLE PA 38.01
Apr 10 Apr 10 FLYING J CARLISLE PA 60.00
Govtnnmtnt Services Apr 12 Apr 12 WINE & SPIRITS 2110 CARLISLE PA 68.86
Education Apr 6 Apr 6 JEFF PAUL BIG LEAGUE VAN NUYS CA 39.95
ion For You
* * ATTENTION * * Please note that your Payment Due Date has changed. Please pay the Minimum Payment Due by this
date to avoid a late fee.
i
Important Information. If tsre is more than one page to this slat intent : see the bade of each page for additional important information. co
0
See your Cardmember Agreement. Your Cardmember Agreeme I con wins all the terms of your Aaco rnt. cn
m
Lost or stolen cards. Report immediately[ Cali 1-600-347-2683. o
Billing Rights Summary, In Case of Errors or Questions Abort Y Bill If you think your big s wrong, or it you need more information about a transaction an yaw hill, write to us on a
0
4
separate sheet of paper at Discover. PO Box 30421, Sak Lake UT o
130-0421, as soon as possible. We must hear from you no later than 60 days after we sent you [tie first bill on
which the ena or problem appeared You can teleptwne us, but. will not preserve your rights. In your letter, give us the following information:
Your name and Account number
The doper amard of the suspected era
Describe pre era and explain, it you can, why you be" there fin rror If you need more information describe the item you are unsure about
You do not have to pay any amount in question rude we are' but you are still obligated to pay the parts of your big That are not in question. While we investigate your
questionr we carrot report you as delinquent of take any action to die amount you question.
Special Rule far Credit Card Purchases: it you have a pmblern it i quality of goods or services that you purchased with a credit card, and you have tried in goof faith to correct
the problem with the merchant. you may not have to pay tr r due on the goods or services. You have this protection only wfien the purchase price was more Man S50
and pre purchase was made in your home state of within 100 m d mailing address. (k we own or operate the merchant or I we marled you Ore adveresernent for the goods or
services, all purchases are covered regardless of the amount a puchase.)
Payments. Send only your payment and the top portion of On in the envelope provided- Do not send cash. By sending your dock as described above, you authorize us to
use information on your check to make an electronic find transfer account at the financial institution indicated on your check or to process the pa'yrmem as a dock transaction.
If payment is processed as an electronic fund transfer, the for the amount on the check When we use nlorm non from you check to make an electronic fwd transfer,
funds may be withdrawn from your account as soon as to same y receive you payment and you will not receive your check back iron your financial irs6Wtion.
The processing of you payment may be delayed I you send ce or other items with your payment I you send the payment to any other address or if you use an
envelope other than the one provided. Payments received it at our processing faddy, by 5Pkl local time on any day will be credited to yourAaout as of that day. Payments
received at wYprocessing facility aller 5PM local tme *4 be of to urAcceunt as of the next day. If you have mLplaced your ewelrpe, send your payment to Discover, PO Box
6103, Card Stream, 11-60197-6103- Please allow 7-10 days for d t your payment is returned unpaid. we reserve the right to resubmit it as an electronic debit
You can pay your ngnimm payment or a greater amorwi der the and you can set tip automatic payments. Cad run at 1-800-347-2683 You will need this staternerrt and you
bank account inbrmekon. You mkwi ensue that sulficiert fads av in your bank accent and all transactions must comply with U.S. law. You will be asked in provide the first
5 digits of you accarH statement zip code. By ernfering tnaae your electronic signature. you cod be agreeing to On auMombon to allow us and yam bank to deduct each
payment you authorize from your bank amxxwnt, and o i>iteoe a entries to you bank account. as applicable, to correct an error in the processing of such payment. You must
led us the amount of each payment, or you can select an amaw the Mnimrm Payment Due of the New Balance on each statement You can cancel a payment, however we
must receive notice alleast three business days n advance of payment. You may no* us by phone at 1-800-347-2663 of by mail at the address listed in the previous
paragraph. If your payments may vary in amour, we will tsl you nordty, statement when your payment will be made and haw much d will be. You Automatic payment amount
may be less than indicated on the monthly staterthent based on payments applied dung the Ming cycle.
Crete Reporting. We may report information about your aocant a t bureaus. Late payments, missed payments, or other defaults on your accent may be reflected in your credit
report. We normally report the, status and payment history of you t to credit reporting agencies each month. If you believe that our report is inaccurate or, incomplete, please write
us at the folowng address. Discover, PO Box 15316. WititiFV"Ww E 1 -5316. Please include you name, address, home telephone number and Account number.
PERIODIC FINANCE CHARGES. Periodic Fiance Charges are on all transactions from the date the trarsaction is posted In you Account until the date you pay your entire
New Balance, by making payments or receiving credits- Ifowever, Uhe New Balance on your p ev ous billing statement by the Payment Due Date sfmovum on that statement and
you pay the New Balance by Me Payment Due Date on par statement. we will not impose Periodic Fimarce Charges on new purchases. that is, purchases fast appearing
on the current stakimert. We call this the grace period. you receive a filling statement next month that includes Periodic Fnarmce Charges on those new purchases. There
is no grace period on balance transfers or cash advarnoes.
We sat your transactions no gaups of purchases, rash balance transfers and than further sot the transactions within each grasp by their Annual Percentage Rate- For
example purchases subject to e promotional isle and prrduses 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 for each day of the billing period for each transaction category We use the following equation to compute
Periodic Finance Charges for each vivisection category. Average x number of days in the brig penal x Defy Periodic Rate. (You may refer to the finance charge
summary on your hiking statement for these amounts ) Than we up Periodic Finance Charges for each transaction category to get the total Penodic France Charges for your
Accornt. The Average Daily Balance is shown as. -tr d, grace period, no Periodic Fiance Charges apply to the balance in a transaction category.
We use tone Average Daily Balance (mcludng new Narrations) l calm ulatig the balance up ?-it w high we imp cute Purarfr _f-iranrs Char r_s We u+npcde the Average Daily
Balance for each transaction category by adding up all the daily in a bdUng period bra transacttwn category and a:idiny vie total by the number of days in the billing cyGe We
compute the daily balance for each transaction category an each y first adding the following to the previous day s daily balance transactions made that day, pees charged that day
and Periodic Frmance Charges accrued on the previous day's and by then subtracting any credits and payrnens that are applied against the balance of the transaction
category on that day In calculating the daily balance for tr 69 of bung period. we consider the'previous day's balance' to have been your balance for each transaction
category on the last day of you prawns hoping period if a t posted to your Account alter the dose of the billing period in which it occurs, we will treat the transaction as hav-
ing eocured on the first day of the, billing period in which it is o Account..
AN I t r Account are added to the sterdad cko+category with the exception of Cash Advance Transaction Fee Finance Charges which are added o the
e transaction category and Balance T T Fee Finances Charges which ore added to tone applicable balance transfer transaction category. Wham
a special balance transfer rate expires we move the upe d of balance transfer and the Balance Transfer Transaction Fee France Charges to the standard purchase
transaction category However, it the special rate has been the Default Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Trans-
action Fee Finance Charges in the applicable transaction calegior until tie special rate would have expired.
For TOO {iekcommunlcatons Device furthe DesQ assistant ' pk we cad 1 t00-347-744g.
Discover may monitor andlor record telephone calls between you fi nd I ver representatives for quality assurance purposes
The Discover- card is issued by Discover Bank, Member FDIC.
OITBK170
DISCOVER
i - It pays to 1 FRED HARRISON
_ ??VER J Account number ending in 4604
Go green. Go paperless.
Join the effort to save trees and clean up your mailbox. Just sign up for
Paperless Statements and you can help save over 70 million pages per year.
You'll also be helping yourself to 24 months of password-protected, statement
history, complete with merchant names, locations and zip codes.
Go to Discovercom/paperless and sign up
for Paperless Statements today.
02010 Dlec - (honk, Member FDIC
O?
a
pp" N 06 i o j
Closing Date: May 2, 2008 page 2 of 2
Finance Charge Summary
9133174
N
Nominal
Transaction
Average Doily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Balances Rates RATES RATES CHARGES CHARGES
current billing period: 30 days
Purchases $2529.50 0.03011% 10.99% V 10.99% $22.85 $0
Cosh Advances $318.58 0.05751% 20.99% F 20.99% $5.50 $0
Balance Transfers $405.36 0.00795% 2.90% F 2.90% $0.96 $O
Balance Transfers $4225.39 0.01068% 3.90% F 3.90% $13.52 $0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
Questions' Manage your account at Discover.com or
call 1-800-DISCOVER (1.800-347-2683).
DISCOVER
New Balance Minimum Payment Due Account Number ending in 4604
$7,430.41 $148.00 Enter Amount Enclosed Below
Payment Due Date $ [
June 27, 2008 Please make check payable to Discover Card or
pay online 0 Discovercard.com.
02 SDSN6A01 0018536
FRED HARRISON
237 SOUTHSIDE DR
NEWVILLE PA 17241-8950
Tired of buying stamps? Go mobilel Make
payments from your phone with the Discover
app. Its fast and its free. Download today at
http:/twww.discover.com/apps
PO BOX 71084 I?Irrrllrrrllrrrrrlr?lrrlrl
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space loll JlrrlnrIIIlrr,lrrlrlrrrllllrr9lrrlr,lnllIIll. l.rlrlull
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458660225513074304100150000014800
Discover Motiva Card Account Summary
Dosing Date: June 2, 2008 page 1 of 1
Account number ending in 4604
Payment Due Date June 27 2008
Minimum Payment Due $148.00
Credit limit $7,500.00
Credit Available $69.00
Cash Credit Limit $1.900.00
Cash Credit Available $69.00
Previous Balance $7,496.06
Payments And Credits 150.00
Purchases + 39.95
Cash Advances + 0.00
Balance Transfers + 0.00
Finance Charges + 44.40
New Balance --- $7,430.41
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Cashback Bonus' Opening Cashback Bonus Balance $ 34.01
New Cashback Bonus This Period + 0.19
Cashback Bonus Balance $ 34,20
Coshbock Bonu.,O SinceAnniversary Month
August: $34.20
You're halfway there. Just make 3 more
on-time payments in a row and you'll earn a
Pay-On-Time Bonus(SM).
How Can We Help You? I Visit Dis:~Aam to pay your bit for no cost, view our
P latest Account information, earn and redeem rewards and more
It's your choice - 3 ways to help 2. Call 1-800,DISCOVER (347-2683) for fast, easy self-service
options or to speak with a Customer Service Account Manager
Please have your Discover Card available. 3. Write us of Discover Card, PO Box 30943,
For TDD (assistance far hearing impaired) see reverse side Soft Lake City, UT 8,4130
Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence.
Trans. Post
Dots Date
Payments and Credits May 16 May 16 PAYMENT THANK YOU $ 150.00
Education May 8 May 8 JEFF PAUL BIG LEAGUE VAN NUYS CA 39.95
Finance Charge Summary
9133174 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 $2639.55 0.02942% 10.74% V 10.74% $24.08 $0
Cash Advances $324.22 0.05751% 20.99% F 20.99% $5.78 $0
Balance Transfers $400.86 0.00795% 2.90% F 2.90% $0.98 $0
Balance Transfers $4099.30 0.01068% 3.90% F 3.90% $13.56 $0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
Visit the Discover Insurance Center to find high quality protection for your family, home and auto. Request a quote online or
use the Knowledge Builder to read what the experts say about popular insurance questions. Visit
Discovercard.com/insurancecenter today.
Important Information. If there is more than one page to tlis bdkn slat M; seethe bad of each page for additional important information, (n
See your Cx&nember Agreement Your Cardmembeer all the terms of your Amami. m
Lost or stolen cods. Report imnne6etely4 Ca01800-347 T663. o
Billing Rights Summary. In Case of Eras or Questions About V Bill If you Aanc your bill is wrong, or if you need more information about a trasadion on your bill, write to us on a o0
separate sheer of papa at Discover. PQ Box 30421, Salt Lake UT 130-0421, as soon as possible We must hear from you no later than 60 days after we sent you the first bill on
which the error or problem appeared. You can telephone us. W will not preserve your rights. In you letter. give us the following inkxmabon' 0-
Your nerve and Account number.
The dollar amount of the suspected era
Describe the error and explain d you can. wiry you behove there en roe If you need mote information describe the item you are unsure about.
You do not have to pay any amount in question while we awe' but you are still obligated to pay the pans of your Mt that are not in questim While we nvesagete your
question, we carupt report you as delinquent or take any action to the amounl you question.
Special Rule for Credit Card Purchases: 1 (you have a problemm quality of goods or services that you purchased with a crack card, and you have tried in good faith to cored
die problem with the merchant. you may not have to pay fe due on the goods or services. You have this protection orgy when the purchase price was mote then $50
and this purchase was made in you home state or within 100 d ritaifing address. {t we own or operate the merchant, or k we mailed you the advemsernak for the goods or
services. all purchases are covered regardless of the anniN or d punthase.)
Payments- Send only your payment and to top palm d tits in the envelope provided. Do not send cash. By sending your check as described above, you auNonze us to
use information on your check to make an electronic fund Irasta acoaam at the kWW481 institution indicated on your check or to process the payment as a cod Vansacim.
If payment is processed as an elections; fund transfer, the for the amount on the check When we use information from you check to make an electronic had transfer,
furls may be w"awn from you aco"I as soon as the sane receive your payment and you will not receive you died bad tram your financial nsuutian
The processing of your payment may be delayed if your send spondence a other items with your payment, 4 you send the payment to any other address or if you use an
envelope other than the one provided. Payments received in at our processing facility by 5PM local time on any day will be credited to yourAccourd as of that day Payments
received ale our processng W-- ity after 5PM local rime wd be of your Account as of the next day If you have misplaced your envelope, serd your payment b biseover. M Box
6103, Cad Stream. th 60157-6103. Please allow 7-10 days or t your payment is returned unpaid, we reserve the right to resubmit k as an elec row debiL
You can pay your minimum payment or a greater amount over one. and you can set up autonatic payments Call us at 1-800-347-2683. You will need this statement and your
barge accost iMamabon. You must ensue tot suffraeM fads ava able in you bank accost, and all transactions must comply with U-S. law. You will be asked to Pravda the first
5 digits o (your account statement zip code- By entering Lose is you electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each
payment you authorize from you bank amount, and to shale or edlif entries to your bank account. as applicable, to aired an error in the processing of such payment. You must
tell us the mount leach payment, of you can select an smut the Minoan Payment Due or the New Balance on each statement. You can cancel a payment however we
must receive notice at least lies business days in advance of payment_ You may notify us by ph" at I -M-347-2693 or by mail at the address listed in one previous
paragraph. U you payments rimy very in amount, we will tell you momhfy stalemenl when your payment will be made and how much k wit be. Your Automatic payment amount
may be less than indicated on the monthly statement based can payments applied during the billing cycle_
Credit Reporting. We may report information about you scosm c k bureaus. Late payments, missed payments. of other defaults on your account may be reflected in your credit
repot We normally, report the status and paysnem Ixstory of your to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write
us at the following address. Discover. PO Box 15316, th 1 -5316. Please include your name, address, home telephone number and Account number.
PERIODIC FWMCE CHARGES. Periodic Finance Chagas are on at transactions from the date the transaction is posted to your Account unit the date you pay your entire
New Balance, by making payments or receivuhg credits. Ftowewa pad the New Balance on you previous billing statement by the Payment Due Dale shown on that statement. and
you pay to New Balance by the Payment Due Date on you statemant, we will not impose Periodic Finance Charges on new purchases, that is, purchases first appeaing
on the award statement. We cell this the grace period- you receive a billing statement next month that includes Periodic Finance Charges on those new purchases There
is no grace prod on balance heifers or cash advances.
We sat you transactions into groups of purchases. cash s. ar? ance transfers and then further sort the transactions within each group by their Annual Percentage Rate- For
bal
dases
example, pudhases subject to a promotional rate and pus to standard rate would be separate goups- We refer to these groups as transaction rategoros. At the end of
a
each titling period. we compute balances and Periodic Finerua C a* for =day of the billing period for each transaction category ft use the following equation to compute
Periodic France Charges for each transaction category: Aver x number of days in the biting period x Daily Perodic Rate. (You may refer to the finance charge
we e
summary on you biting statement for these amounts.) tie Periodic Finance Charges for each hansac?tion category to get the IMal Perodic Finance Charges for your
Account- The Average Daily Balance is shown as zero i d 1114 grace period, m Periodic Finance Charges apply to the balance m a transaction category.
We use the Average Daily Balance i.mchding new trans) of calculating the balance k4m which we i mprse Periodic Fu Nance Charges We compute the Average Drily
Balance for each transactnm category by aJdinvg up at n a billig period for a transaction category and dr dng the bus by the mhnbw d days n the billing cycle We
compute the daily balance fo each transaction categorch frst addig the following to the previous day s daily balance: transactions made that day, fees charged tat day
and Periodic Finance Cfhatges amnned on hie prows s bak ice: and by tlnen subtracting any creaks and payments that are appied agarhstthe balance d thw transaetan
category on tlet day n calagatig the cagy bolalice fa t d billing prod. we consider lhe'prev ours days balance o Ihare been your balance fo oath transaction
k>Btegay an the last day d you prevous biting parade posted b your Amount after the cbse d the biMmg {eenad n whrdh d omus, we will treat the transaction as hav-
ing oom ed on the first day of the billing period in whic o our Account.
j
I ?b r Amount ere added o lie stand
A category with to exception of CashAdvancce Transaction Fee finance Charges whiich ere added o the
:
i?eN transaction category ad Bala Tr Fee Finances Charges which are added b the applicable balance tratufer transaction category Mien
a special balance transfer rate enquires we nave the un balance transfer and the Balance Transfer Transaction Fee Fmnoe Charges to the stadard purchase
trarhsachorh categoryHoweverd te special rate has b the Detaut Rate Plan, we leave the tpa d balance o1 te balathce trans(a and the Balanhce Transfer Trans-
ac on Fee France Charges in the applicable transactio un the spedal rate would have expired.
Fur TDD )Tekcommwnicatiohn Device for the DeaQ p cap 1-000 347-7149.
Discover may mo itor andlor retard teleplhothe cats be and smver representatives for quality assurance purposes
The Discover card a issued by D seover Bank, Memb.
0ITBN170
New Balance i Minimum Payment Due Account Number ending in 4604
DISCOVER $7,323.43 $146.00 Enter Amount Enclosed Below
Payment Due Date
July 28, 2008 Please make check payable to Discover Card or
pay online @ Discovercord.com.
02 SDSN6A010018537
FRED HARRISON
237 SOUTHSIDE DR
NEWVILLE PA 17241-8950
Address, e-mail or telephone change? Print change in spare
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
Tired of buying stamps? Go mobile! Make
payments from your phone with the Discover
app. It's fast and it's free. Download today at
http:/Mww.discover.com/apps
PO BOX 71084 111 11111111811111 oil I III loll III
CHARLOTTE NC 28272-1084]j
(11(1)111(111)1)(111)11111111(1((11111#111111111l(11(IIII)11((
000001986458660225513073234300150000014600
Discover Motiva Card Account Summary
Closing Date: July 2, 2008 page 1 of 1
Account number ending in 4604 Previous Balance $7,430.41
Payment Due Date July 28, 2008 Payments And Credits 189.95
Minimum Payment Due $146.00 Purchases + 39.95
Credit Limit $7,500.00 Cash Advances + 0.00
Credit Available $176.00 Balance Transfers + 0.00
Cash Credit limit $1.900.00 Finance Charges + 43.02
Cash Credit Available $176.00 New Balance _ $7,323.43
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Cashback Bonuse Opening Coshback Bonus Balance $ 34.20
New Cashback Bonus This Period + 0.00
Cashback Bonus Balance $ 34.20
Cashback Bonus® Since Anniversary Month
August: $34.20
Pay-On-Time Bonus(SM) Update: 4 on-time
payments have been received. Just make 2
more on-time payments in a raw to earn a
Pay-Or?Time Bonus!
How Can We Help You? I Visit Discover.com to pay your 681 for no cost, iew r
p latest Account information, earn and redeem revwardi and more
It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for Fast, easy self-service
options or to speak with a Customer Service Account Manager
Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943,
For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Date Date
Payments and Credits Jun 11 Jun 12 JEFF PAUL BIG LEAGUE VAN NUYS CA $ -39.95
Jun 20 Jun 20 PAYMENT THANK YOU 150.00
Education Jun 8 Jun 8 JEFF PAUL BIG LEAGUE VAN NUYS CA 39.95
Finance Charge Summary
9133174 Nominal
Transaction
Averse
9 Daily
Y ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Balances Rates RATES RATES CHARGES CHARGES
current billing period: 30 days
Purchases $2675.21 0.02942% 10.74% V 10.74% $23.62 $0
Cash Advances $329.95 0.05751% 20.99% F 20.99% $5.69 $0
Balance Transfers $401.01 0.00795% 2.90% F 2.90% $0.95 $0
Balance Transfers $3985.40 0.01068% 3.90% F 3.90% $12.76 $0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
Fall fashions breaking the bank? Shop back-to-school sales through our exclusive online shopping site ShopDiscoverl Earn
5% to 20% Cashbock Bonus(R) at your favorite online retailers like Gap, JCPenney, Kohl's and many more. Visit
Discover.com/Shop todayl
Important Information. I dime is more thou one page to :his biking e L see the back of each page for additional important information.
See your CardctemberAgreement You CadmemberAgreamenl all the terms of your Account
Lost or stolen cards. Report ntr, hi ,Ielyl Call 1800-347-2663.
Billing Rights Summary. In Case of Errors or Questions About Your T K, ou think you bill is wrong, or if you need more information about a transaction on your bill. write to us on a
separate sheet of paper at Discover. PQ Box 30421, Sal Lake City, U 841 -0421, as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on
which the ano or problem appeared. You can telephone us, but so not preserve your rights. In your letter, give us the following information:
Your rame and Account number
The dctiar amoLid of the suspect d r?or
Describe the error and explain. if you can, why you believe Brine is
en
. If you need more information, describe the item you are unsure about.
You do not have to pay any anxit" in question while we are uwestig ng, t you are still obligated to pay the pads of your bill that are riot in question. While we investigate you
queston we cavot report you as deii pied or take any action to amount you question.
Special Rule for Credit Card Pirchasas: 0 you have a problem ' the alty of goods or services that you purchased with a credit card. and you have tried in good faith to correct
the problem v th tin madrart. you may not have to pay the r antic t due on the goods or services. You have tes protection only when the purchase price was more than $50
and &a purchase was made in you home state or wain 100 miles it whing address. (if we own or operate the merchant, or it we mailed you the advertisement for the goods or
services, all purchases are c04ered regardless of Ihhe amount or boa of chase-)
Payments.. Send only you payment and the top portion of this t in the envelope provided. Do not send cash. By sending your check as described above, you authorize us to
t;-- information ail you check to make an electronic fund trader your account at the financial institution indicated on you check or to process the payment as a check transaction.
It payment r, processed as an electronic fund transfer, the trader be f the amour on the check When we use information from you check to make an electronic fund transfer;
funds may be a hdravm tom your account as soon as the sawn day r ive 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, es nce or other items with your payment, if you send the payment to any other address or it you use an
envelope ottler then the one provided Payments receried in proper t m at a processing facility by SPLI local time on any day will be credited to you Account as of that day. Payments
re.;ew;x+ ail or praiessing lei iity after ,Pion local rime will tie 6i?drf- - y - A=unt as of the next day. If you nave misplaced your envelope, send your payment to Discover. PO Pox
6103 Card Stream. IL 60157-6103. Please allow 7-10 days for : If, u our payment is retuned unpaid, we reserve the right to resubmit it as an electronic debit.
Yalu can pay your minimum payment or a greater amount over the t and you can set up automatic payments. Call us at 1-800-347-2683. You will need his statement and your
bank axiom ntormation. You must ensue that sufhaent funds area aiw in your bank accent and all transactions must comply with U.S. law. You will be asked to provide the first
5 dgi's of you accent statemet zip code. By entering those as, aur electronic signature, you will be agreeing to this authorization to allow us and your bards to deduct each
payment you authoize from ymr bank acrorrt, and to initiate debit aed enbies to you bank account, as applicable, to coned an error in the processing of such payment. You must
led us th amount of each payment, or you can select an angUd s as Mknanum Payment Due or the New Balance on each statement. You can caned a payment, however we
must receive notice at least three busi to s days in advance of the s payment- You may notrhy us by phone at 1800347-2683 or by mad at the address listed in the previous
paiayaph P your payments rimy vary n amaml, we will tell you on h ehly statement when you payment will be made arhd how much it will be. Your Automatic payment amount
may be less than indicted o7 :he mwM'iy statement based on credi or rents applied dung the billing cycle.
Credit Reporting. We may report information amour your account to edit etas. Late payments.. missed payments. or other defaults on you account may be reflected in your credit
report yre rcrmaily repot the status and r:aymenl history of your Act nit r credit reporting agencies each month. It you believe that our report is inaccurate or incomplete, please write
us at die fclowmg address. Discover. PO iwx 15316 WihmoVion, D 199 .5316. Please include your rwme, address, home telephone number and Amount number.
PERIODIC FINANCE CHARGES. Perj# r Finance Charges are n ed h all transaction, from the date the transaction is posted to your Account until the date you pay you entire
New Balance, by making payments or ri.-onraog creft However, if pa the New Balance on your previous tiding statement by the Payment Due Date sham on that statement, and
you pay the New Baler ce try the Payment Due Date an yoga current Ming laten>eat, we will not impose Periodic Finance Charges on new purchases, that is, purchases first appearing
on tle :urrent statc-niem. We cad this file grace period. Otherwise. y who r, e a biding statement next month that includes Periodic Finance Charges on those new purchases. There
is no grace period on balance tnansferslor cash advances
We sot your transactors ire groups )f purchases, cash advances, t ' . x transfers and then further sat the transactions within each group by that Annual Percentage Rate. For
example, purchase. 1*- toe pr^motional rate and piadheses sul: -.c e a standard rate would be separate groups. We refer to these groups as transaction categories. At the end of
each burg period, we compute balances and Periodic Finance Char . f eadt day of the billing period for each transaction category We use the following equabon to compute
Periodic Finance Charges for each transaction category: Average y 9N nce x number of days in the biding period x Daily Periodic Rate, fYou may refer to the finance charge
summary an your Ming stalrmert fur these amounts.)IThen we add d Pxadic Finance Charges for each tiansartioh category to get the total Periodic Fnaive Charges for your
Account. The Average Dahl B_alarve is ytown as zero d: because of gr t, p mod, no Periodic Finance Charges apply to the balance in a transaction category.
4; rt 'he Avarane aaly {rrO :f; -q •i; a-st r f ;f h fix b; farce upon which we impose Periodic Finance Charges We compute the Average Daily
(
Balance for each M nsadiun alt g: by ao• g up an the lady raw
(&ba
compute the daily balance 5x each "isach i u"tegaty or. e- r
:a t• j period for a transaction category and dividing the total by the number of days in the billing cycle Ae
a
adding the fo!lowi ng to the previous day s daily balance' trarsactbns made that day, fees charged t hat day
and Periodic Finance Cxharges accrued on the previous day and by then sub racng any credits and payments that are applied against the balance of the transaction
category on that day. in ca'i cabtig do daH balance fir die ine fling period we consider the'previous day s bal nceto have been you balance for each transaction
category orb the last day of you previouls Ghtinig paed, d a fir led to you Account after the close of the billing posed n which it occurs, we will treat the transaction as hav-
4
khg oaarred o n tie fist day of the bilag period r. which 0 i ow Arxunt.
All fnt ore added to the sta lard n tbn category with the exception of Cash Advance Transaction Fee Finance Charges width are added to the
cakigory and Balance r. Fee Finances Charges wth ch ore added to the app able balance transfer trasaction category. When
a special balance tre1Kb1 -ate we mart the unpaid
lra;saclcn cafagary. Howevct. i(trio spectal rata has been t the 'lance transfer and ore Balance Transfer Transaction Fee Finance Charges to the standard purchase
the Default Rate Plan, we leave to unpaid balance of the balance transfer and the Balance Transfer Trans-
action Fee Finance Charges n the a . tiansact:on ca thei special rate would have expired.
For TOO (Telecommunications Dev' for the Deal) assistance, ase call t-800.147.7449.
Discover may monitor aid's «lcord Ie' he calls between you Disc vet represenartves tar quality assurance purposes.
Tine Dscmwr card is allied by Di Bank, Member FDIC. I
OlTBK 170
DISCOVER New Balance i Minimum Payment Due Account Number ending in 4604
$7,217.70 5144.00 Enter Amount Enclosed Below
02 SDSN6A01 0018538
FRED HARRISON
237 SOUTHSIDE DR
NEWVILLE PA 17241-8950 http:/hvww.discover.comlapps
PO BOX 71084 1111191111 Rill
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print cE ange in space l??{ ll itnrl.lluollilt lrloll 11 r,rlnl 111,91111 lulnl?lnll
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458660225513072177000150000014400
Discover Motiva Card Account Summary
Closing Date: August 2, 2008 page 1 of 1
Account number ending in 4604
Payment Due Date August 28, 2008
Minimum Payment Due $144.00
Credit Limit $7,500.00
Credit Available $282.00
Cash Credit Limit $1.900.00
Cash Credit Available $282.00
Previous Balance $7,323.43
Payments And Credits 150.00
Purchases + 0.00
Cash Advances + 0.00
Balance Transfers + 0.00
Finance Charter es + 44.27
New Balance = $7,217.70
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Coshbad( Bonuse Opening Cashback Bonus Balance $ 34.20
New Cashback Bonus This Period + 0.00
Cashbock BonusO Since Anniversary Month
August: $34.20
1 on-time payment to gol Make at least your
Minimum Payment Due by the Payment Due
Date and earn your next month's interest as a
Pay-OmBonus(SM).
Cashbock Bonus Balance
34.20
How Can We Help You? 1 Visit Discover com to pay your bbl for no cost, view your
p latest Account information, earn and redeem rewards and more
It's your choice - 3 ways to help 2. Call 1-8MDISCOVER (347-2683) for fast, easy selFservice
options or to speak with a Customer Service Account Manager
Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943,
For TDD (assistance for hearing impairedl see reverse side Sop Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence-
Trans. Post
Date Dab
Payments and Credits Jul 20 Jul 20 PAYMENT THANK YOU $ 150.00
Finance Charge Summary
Balance Transfer offer for current billing period: Daily Periodic Rate: 0.00521%; corresponding ANNUAL PERCENTAGE
RATE: 1.90%. Rate is subject to the terms of the offer including expiration.
9133174 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 $2693.96 0.02942% 10.74% V 10.74% $24.57 $0
Cash Advances $335.79 0.05751% 20.99% F 20.99% $5.99 $0
Balance Transfers $400.99 0.00795% 2.90% F 2.90% $0.98 $0
Balance Transfers $3846.39 0.01068% 3.90% F 3.90% $12.73 $0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
Payment Due Date
August 28, 2008 Please make check payable to Discover Card or
pay online ? Discovercard.com.
Tired of buying stamps? Go mobile! Make
payments from your phone with the Discover
app. It's fast and it s free. Download today at
Fall fashions breaking the bank? Shop Back-to-School sales through our exclusive online shopping site ShopDiscoverl Earn
5% to 20% Cashbock Bonus(R) at your favorite online retailers like Odd Navy, Sean, Lands' End and many more. Visit
Discover.com/Shop today!
Important Informadon. Nthere is more than one page to this bill
See your Cardmember Agreement Your Cardmernber Agmem
Lost or stolen cards. Report immediately- Call 1-8W-347-2683.
Bilking Rights Summary. In Case of Errors or Questions About)
separate sheet of paper at Discover. PO Box 30421, Salt Lake Ci
which the error of problem appeared. You can Weplwne us, but r
Yout name and Arcorrt number.
The dollar amoud ot the suspected error
Describe the error and explain, d you can, why you believe then
You do not have to pay any amount in question ovule we are Roe
question, we cannot report you as delinquent or take any action t
A, see the back of each page for additional important irdomnalm.
all the terms of your Account.
If you think your bill is wrong, or f you need more information about a transaction on your bill. write to us on a
1130-0421, as soon as possible. We must hear from you no later than 60 days after we sent you the fast lit on
wig not preserve your rights. In your letter, give us the following information_
h you need more information, describe the item you are unsure about
, but you are still obligated to pay the parts of your bill dial are not in questiorn. While we imreA*ie your
the amount you question.
Special Rule for Credt Card Purchases: It you have a problem Pitt tf?e qualify of goads or services that you purchhasad with a credit card, and you have tried in good forth to correct
the problem wide the merchant, you may not have [o pay to r munit due on the goods or services. You have this protection arty when the purchase price was more Iran $50
and the purchase was made in you hone state or within 100 of mailing address. (d we own or operate the merchant, ot t we marled you the advertisement for the goods or
services, all purchases are covered regardless of the arrhant or of purchase.)
Payments. Send aty you payment and the tip portion of do $t
use information on yaw check to make an electronic had taste
if payment is processed as an electric lead transfer, the barsh
funds may be vat dram from you accent as sawn as the same
The processing of your payment may be delayed it you said cas
envelope other than the am provided. Payfnerts received in prof
received at our processing fetdty a(wr 5PM local time will be ore
6103, Cool Stream. It 60197-6103. Please allow 7-10 days for r
You can pay you mihirom payment or a greater amount over th
bank account i kmission. You must ensure that sufficient fads r
5 dgds of your aomat statement zip code. By entering those nu
payment you authorize from you bank account, and to initiate dE
tell us the amount of each payment, of you can select an anhoum
must receive notice at lost tense business days n advance of th
paragraph. It you payments may vary in amount we will tell you
may be less than indicated on the monthly statement based an c
Credit Reporting. We may report nkorotan about you acwun
report. We normally report the status and payment history of you
Ls at the Wbwig address Discover. PO Box 15316, Wiliningtor
PERIODIC FINANCE CHARGES. Periodic Finance Charges are
New Balance. by making payments or receiving Credits. Howeve
you pay dw New Balance by the Payment Due Date on you an
on the current statement. We cal to the grace period. Othewis
is no grace period on balance transfers or rash advances.
We sort you transactions aft groups of purchases, cash advarr
example, purchases subject to a promotional rate and pwdreses
each biding period, we compute balances and Periodic Finance (
Peiodic Finance Chagas for each transaction Category: Averagk
summary on your bile statement for these amounts.) Then we
Account The Average, Daily Balance is shown as zero it. becaus
We use the Average Daly Balance fehckdung new transactions)
Balance for each tasarLah category by adding up all the daily
Compute the daily balance for each transaction category on each
and Periodic Finance Charges accrued on the previous day's der
category on that day. in cWcLAatirg the daily balance for the First
category on the last day of your previous tiling period. If a tram
ing occurred on the lest day of tw biting period in which it is Pat
Ad f s==Mcaut are added to the standard purx
e tasactio category and Balance T.
a special balance Transfer raw expires, we move the unpaid bat
transition category However. I Me special rate has been term
action Fee Finance Charges in to applicable trarsactionca
For TOO (Telecomnunkadora Device for the Deal) as
Discover may manta ardror record telephone calls betaeen yo
The Discover card is issued by Discover Bank. Member FDIC.
t in the envelope provided. Do of send cash. By sending your check as described above, you authorize us to
our accowt at the financial institution indicated on you check or to process the payment as a chedu transaction.
r for the amount on the check. When we use information from you dock to make an elec4aic fund transfer,
receive your payment. and you will not receive your check back from your financial institution.
spondence or other gains with you payment, t you send the payment to any other address or d you use an
at our processing tacitly by 5PM local Mme on any day will be credited to you Account as of that day. Payments
your Account as of the next day. tyou have misplaced your envelope, send you payment to Discove, PO Box
I your payment is returned unpaid. we reserve the right to resubmit it as an electronic debit.
one, and you can set up automatic payments. Cal us at 1-800-347-2683. You will need tors statement and you
able in your bank account, and all lransadiom must comply with U.S. law. You all be asked to provide the first
is your electronic signature; you will be agreeing to this authorization to allow us and you bank to deduct each
edil entries to you bank account, as applicable, to c rrect an error in the processing of such payment You must
s the Mmunum Payment Due or Hie New Balance on each statement. You can cancel a payment, however we
uled payment. You may notify us by phone at 14M-347-2683 of by mail at the address listed in the previous
n monthly statement when yaw payment wig be made and how much it will be. YourAutarratic paymeril amount
payments applied dung the biting cycle.
it bureaus. Late payments, missed payments, or other defaults on you accent may be reflected in your credit
it to credit reporting agencies each month. I you believe that our report is nacc vale or incomplete, please write
650-5316. Please include your name, address, home telephone number and Account amber.
xl on all transactions from the date the transaction is posted to you Account until the date you pay your entire
paid the New Balance on your previous billing statement by the Payment Due Dale shown an that statement and
g statement, we will not impose Periodic Finance Charges on new pur chases, that is. purdmses first appeau ig
A receive a billing statement next month that includes Periodic Finance Charges on close new purchases. There
1 balance transfers and then further sort the transactions within each group by thew Annual Percentage Rate. For
A to a standard rate would be separate groups. We refer to these groups as bansaction Categories. At the end of
s for each day of the biting period for each transaction category We use the following equation to ampule
Balance x number of days in the billing period x Daily Periodic Rate. (You may refer to the finance charge
the Pen ock Finance Charges for each transaction category to get the total Periodic Finance Charges for you
i grace period, no Periodic Finance Charges apply to the balance in a transaction category,
of entetdabM the balance upon which we impose Penu dc. Finance Charges. We compute the Average Daily
is in a billing period for a transaction category and drvding the total by the number of days in the bt4g cycie. We
i first adding the lotbuving to the previous day's daily balancw transactions made that day, fees charged that day
ace. and by then subtracting any credits and payments that are applied against the balance of the transaction
he billing period, we consider the'previous day s balance" to have been your balance for each transaction
s posted to you Account after the close of the billing period in which t ocars, we will treat the transaction as hav-
rsection category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the
madan Fee Finances Charges which are added to the applicable balance transfer transition category. When
to balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase
rrkr the Default Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Trans-
the special rate would have expired
for quality assurance pwpus s.
OITBK170
New Balance I Minimum Payment Due
DISCOVER $8,895.29 5177.00
Payment Due Date
September 27, 2008
02 SDSN8A01 0078539
FRED HARRISON
237 SOUTHSIDE DR
NEWVILLE PA 17241-8950
Account Number ending in 4604
Enter Amount Enclosed Below
Please make check payable to Discover Card or
pay online 0 Discovercard.com.
Tired of buying stamps? Go mobilel Make
payments from your phone with the Discover
app. It's fast and irs free. Download today at
http://www.discover.comlapps
PO BOX 71084 Ill is ell Neill n I loll 911 191 11
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space It I I?el,ll1raln111,..Illlnrl„lr1l11lif Ilill IaII1 Ill
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458660225513088952900150000017700
Discover Motiva Card Account Summary
Closing Date: September 2, 2008 page 1 of 2
Account number ending in 4604 Previous Balance $7,217.70
Payment Due Date September 27, 2008 Payments And Credits 150.00
Minimum Payment Due $177.00 Purchases + 181.56
Credit limit $9,000.00 Cash Advances + 1,540.78
Credit Available $104.00 Balance Transfers + 0.00
Cash Credit Limit $2,300.00 Finance ss _ _+ 105.25
Cash Credit Available $104.00 New Balance = $8,895.29
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Coshbock Bonus! Opening Cashbock Bonus Balance $ 34.20
New Cashbock Bonus This Period
Pay-OrJime Bonus + 5799
Everywhere Else + 0.36
Cashback Bonus& Since Anniversary Month
August: $58.35 Cashbadc Bonus Balance $ 92.55
CONGRATULATIONSI You earned $ 57.99
as a Pay-On-Time Bonus(SM). Visit
Discovercard.com or call 1-800-DISCOVER
(1-800-347-2683) to redeem your reward!
How Can We Help You?
P 1 Visit Discovercorn to pay your bill for no cost, view r
latest Account information, earn and redeem rewards and more
It's your choice - 3 ways to help 2. Cal 1-800-DISCOVER (347-2683) for fast, easy self-service
Please have your Discover Card available. options or to speak with a Customer Service Account Manager
3. Write us at Discover Card, PO Box 30943,
For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Date Date
PayrnsMs and Credits Aug 16 Aug 16 PAYMENT THANK YOU $ 150.00
Merchandise/Retail Aug 12 Aug 12 WAL-MART 5C #5358 SHIPPENSBURG PA 105.56
Other/Misceloneous Aug 28 Aug 28 CASH ADV RTRN CHK FEE #7527 35.00
Gasoline Aug 20 Aug 20 FLYING J CARLISLE PA 41,00
Cash Advances Aug 18 Aug 18 SUSQUEHANNA BAN ENOLA PA 502.00
Aug 18 Aug 18 CASH ADVANCE TRANS FEE FINANCE CHARGE 15,06
Aug 25 Aug 25 CASH ADVANCE CHECK #7526 131.98
9133174 Aug 25 Aug 25 CASH ADVANCE TRANS FEE FINANCE CHARGE 5.00
Aug 25 Aug 25 CASH ADVANCE CHECK #7525 906.80
Aug 25 Aug 25 CASH ADVANCE TRANS FEE FINANCE CHARGE 27.20
Important Information. 8 there a more than one page to this falling ienr?t see the bade of each page for additional important information.
See your Cardmember Agreement Your Cadn)enber Agreement taxi{I all the terms of your Account.
Lost or stokn cards. Report immediately! Call 1.800.347-2683
Bitting Rights Surr3sry. In Case of Enos OF Questions Abort Yiwr
:epara!e sheet of parer at Discover. PO Box 30421, Salt Lake City, L
which the era or problem appeared. You can Wephcne us, but ddrv,
Yom name and Account nurnter.
The do lar amore of the suspected era
Desale to error and explain. If you can, why you believe Owe is i
You do not have to pay ary arrant in question while we are iwestigi
•uestxn, we cannot report you as delinquent or take any action to co
Special Rule for Credit Card Purchases: If you have a problem wit
the problem with the membark. you may rot have to pay Ste remaiwi
and the purchase was made in you hcfire stale ortutu. 100 mites c
services, all purchases are rnmed regardless of the amount or bca
Payments. Send ally your payment and the top portion of this staler
use idamaton on your check. to make an ekdronic fund transfer k
If payment is processed as an electronic fund transfer, the transfer w
funds may be with3adm from your account as soon as Re same dal
The processig of your payment may be delayed if you send cash, o
ervakl•,e offer lint the on. provided. Payments received in proper I
received at our processotg fr-city after 5PM local lime vrA be oreddw
6103, Card Stream, tL 6097-6103. Please allow 7-10 days for delis
You car, pay your miNwrn payment or a greater amount over the to
bank mmint mformaeon. You mast ensue flat sufgaeM fads are o
5 digits of your acx.nt statement zip code By entering those mumbi
paynmeM you aullcnze firm your bank account and b irit!aiedebd (
tell its the amm irt of each pa; mwt, or you can select an amount wt
must. eceive notice at last If xee busirv its days in advance of the sc
par g!3nh. It you payments dray very in amount, we war! tell you on,
m:sy br less than ndica:ed or the monthly statement baced on credi?
i
Credit Reporting. We they report nbirmat on about your account to
mpcrt We normna!y report the status and payment history of you Ao
us at Hha Iol1cw rig address Ciscover. PO box 15316. Wilminglon, DI
PERIODIC FXMCE CHARGES. Penock Finance Cher gas are kiq
New Stata,ce, by making payments or receiving credis Pow wen if +
you pay the New Balance by the Payment Due Date on 7K of arrent
on the current statarenL We w.i this the grata period C dhetwise; y;
is ro grace period on balance transfers or cash advance-
We eon your haisa.:tions i!k3 groups of purchases, cash advances.
example. purchases subject to a li moUonai rate and purchases sup
each b.-fog paved. we oom ptse balances and Period!,, mane Chat
Periodic Fineme Charges la each transaction category: Average De
summary on your tiCrg st anent la these amount. )Then we add
AL,co nt. Th6 Average Davy Bakmce is shown as zero d, because of
1+:. sin ?^ fdverage
bais,ke :r eachtranDraalay ,oFn :4a:' x i:?t+ sX +c ne+vM-it 3cironsl melt
311egay by adding up at'the daffy tale.
c0rnpre the daily balance for "(P. Sarsac4an category an each dal
and Peria3c France Charges aarred on the previous days daily b
:ategory on that day. M calculating the dad; balance for the ke day
category on the last day at vow premus billing pond if a transacr
ing occurred on the first day of the billing period in which n is posted I
AM I?aA are added to the standard purchase
a, ,!iu??arsamon category and Balance Transfer
a special balance berg err rate expires, we move the unpaid balace
trarsad:cr- category However. it Elie special rate has been terminate
action Fee Finance Charges in the applicable transaction category to
For TDD (Tekwnaulications Device for the Deaf) assiosfagce, I
Discover may morila and+or record telephone calls between you am
he Discrcer cad is issuad by Discover Bark. Memtler FDIC.
YA think your bill is wrong, or d you need more information about a transaction on your bit, write to us on a o0
-0421, as soon as possible. We most hear from you no later!han 60 days alter we sent you the fast bill on
not preserve your rights. In your letter, give us the following information: w
to
H you need more information. describe the item you are unsure about
t you are still obligated to pay the parts of your bill that are not in question. While we investigate your
amount you question.
stty, of goods or services that you purchased with a credit card. and you have tried in good faith to cared
nt due on Hie goads or services. You have this protection only when the purchase price was more tan $50
ailing address. (t we own or operate the merchant, or if we mailed you the advertisement for the goods or
he envelope provided. Do not send cash. By sending your check as described above, you authorize us to
account at the financial nstiWaon nrkcaled on your check or to process the papnenrt as a deck transaction.
the amount on the check. When we use information from your check to make an alec9aic fund transfer,
jive your payment, and you will not receive your check back from your financial institution
rdence or otter items with you payment, t you send the payment to any other address or if you use an
or processing fadnty by 5PM local time on any day will be credited to yourAccourt as of that day Payments
Accwrd as of the next day. 8 you have m splaced your envelope. send your payment to Discover. PO Box
xr payment is returned unpaid, we reserve the right b resubmit it as an electronic debit.
and you can set up automatic payments. Call us at 1-800-347-2683 You will reed this statement and your
in your bank account, and all transactions must comply with U. S. law. You will be asked to provide the first
our electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each
entries to your bank account, as applicable, to correct an error in the processing of such payment You must
, hi rom+xn Payment Due or the New Balance on each statement You can cancel a payment, however we
payment. You may tmotily us by phone at 1-800-347-2683 or by mail al to address listed in the previous
nt ;ly 50lement when your payment will be made and how much it will be. Your Automatic payment amounn
mecis applied during the biting cycle.
reau- Late payments, missed payments. or other defaults on your account may be reflected in your credt
ae!a! reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write
5316, Please include your name, address, horse telephone number and Account number.
h a:l transactions from the date the transaction is posted to your Account unad the date you pay your entire
the, Piemv Balance on your previous billing statement by the Payment Due Date shown on that statement, and
atoment. we will riot impose Periodic Finance Charges on new purchases , that is, purchases fast appearing
ceue a biling statement next month that includes Periodic Finance Charges on those new purchases There
anoe transfers and Hen father sort the transactions within each group by #we Anti Percentage Rate. For
e standard rate would be separate groups. We refs to these groups as transaction categories. At the end of
adi day of die biting period for each transaction category. We use the following equation to compute
me x number of days in to billing period x Daily Petcod,c Rate. tYou may toter to the finance charge
Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges for your
ce period, no Periodic Finance Charges apply to die balance in a transaction category.
r!;;tatirg the balance upon which tie impose Periodic Finance Charges. We. computer the Average Daly
o biting period for a transaction category and dmduhg the total by the number of days in to billing cycle. We
I adding the foll wing to the pievi us day s daily balance transactions made that day, fees charged that day
and by ten subtracting any credits and payments that are applied against the balance of the transaction
d5ng period, we consider the-previous day's balance to have been your balance for each transaction
;tied to your Account after the dose of the biting period in which it occurs, we will treat the transaction as hay
ton category with the exception of Cash Advance Transaction Fee Finance Charges which are added to to
Lion Fee Finances Charges which are added to the applicable balance transfer transaction category. When
31aee transfer and the Balance Transfer Transaction Fee Finance Charges to to standard Purchase
to Default Rate Plat we leave the unpaid balance of the balance transfer and the Balance Transfer Trans-
ppecial rate would have expired.
all 1400.347-7449.
for quality assurance purposes.
OlTBK170
It pays to
DISCOVER DISCOVER'
Go green. Go paperless.
Join the effort to save trees and clean up your mailbox. Just sign up for
Paperless Statements and you can help save over 70 million pages per year.
You'll also be helping yourself to 24 months of password-protected, statement
history, complete with merchant names, locations and zip codes.
Go to Discovercom/paperless and sign up
for Paperless Statements today.
V2010 Dix- Rank, M- 6w FDIC
FRED HARRISON
Account number ending in 4604
0Wk
s
PMGRN 9810
Closing Date: September 2, 2008 page 2 of 2
Finance Charge Summary
Balance Transfer offer for current billing period: Daily Periodic Rate: 0.00521 %; corresponding ANNUAL PERCENTAGE
Mi 7 g Rate is subject to the terms of the offer including expiration.
Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Balances Rates RATES RATES CHARGES CHARGES
current billing period: 31 days
Purchases $3221.86 0.02942% 10.74% V 10.74% $29.37 $0
Cash Advances $921.50 0.05751% 20.99% F 49.59% $16.42 $47.26
Balance Transfers $3690.03 0.01068% 3.90% F 3.90% $12.20 $0
The rates that apply to your Account are either fixed (F) or they may vary M as rated above.
Questions? Manage your account at Discover.com or
call 1-800-DISCOVER (1-800-347-2683).
New Balance
0
8
DISCOVER Minimum Payment Due
! Account Number ending in 4604
.81
$9,
9 $187.00 Enter Amount Enclosed Below
Payment Due Date
October 28, 2008 Please make check payable to Discover Card.
Y
l
h
ou are over
imit. Pay t
e sum of the monthly
minimum payment plus the overlimit amount of
$98.81
02 SDSN8A01 0018540
FRED HARRISON Tired of buying stamps? Go mobile! Make
237 SOUTHSIDE DR payments from your phone with the Discover
app. Its fast and it's free. Download today at
NEWVILLE PA 17241-8950 http.fAvww.discover.com/apps
PO BOX 71084 111rrr11nrr1Irrnn1Ill1rr1r1
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space I ) )) ?) rr) )) ?) i)rlr )I)I? ?)r) Ir!)Irrl+rl ')1''?II
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458660225513090988100180000018700
Discover Motiva Card Account Summary
Closing Daft: October 2, 2008 page 1 of 2
Account number ending in 4604 Previous Balance $8,895.29
Payment Due Date October 28, 2008 Payments And Credits 180.00
Minimum Payment Due $187.00 Purchases + 306.46
Credit limit $9,000.00 Cash Advances + 0.00
Credit Available $0.00 Balance Transfers + 0.00
Cash Credit Limit $2,300.00 F_i_ran_ce C_ horges
_ + 77.06
Cash Credit Available
$0.00 _
New Ba
lance
$9,098.81
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Cashba& BaluSe Opening Cashback Bonus Balance $ 92.55
New Cashbock Bonus This Period + 0.58
Cashbadc Bonus Balance $ 93.13
Cashbock Bonuses Since Anniversary Month
August $58.93
Pay-On-Time Bonus(SM) Update: 1 on-time
payment was received. Simply make 5 more
on-time payments in a row to earn a
Pay-On-Time Bonusl
How Can We Help You?
P 1 Visit Discovercom to pay your bil for no cost, view your
latest Account information, earn and redeem rewards and more
It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for Fast
easy self-service
Please have your Discover Card available. ,
options or to speak with a Customer Service Account Manager
3. Write us at Discover Card, PO Box 30943,
For TDD (assistance For hearing impaired) see reverse side Salt Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Dab Dab
Payments and Credits Sep 25 Sep 25 PAYMENT THANK YOU $ 180.00
Merchandise/Retail Sep 2 Sep 3 WAL-MART SC #5358 SHIPPENSBURG PA 232.46
Other/Miscellaneous Sep 4 Sep 4 CASH ADV RTRN CHK FEE #7527 35.00
Oct 2 Oct 2 OVERUMIT FEE 39.00
9133174
Important Information. If there is more than one page to this bung
See your CardnrerrmberAgreement Your Cardmernber Agreanent
Lost or stolen cards. Report irmediatelyl. Call 1300-347-2663.
Billing Rights Summary. In Case of Errors or Questions A *AYo.
separate ;heel of paper at Discover. PO Box 36421, S* We Colt
.hick the error or problem appeared. You can telephone us, but dpi
Your name and Account number. ?.
The dd!ar arrow of the suspected error
Desaibe the error and explain, t you can, why you believe here is
You do not have to pay any amount in west ion whsle we are inve"
quests m, we cemot i eport you as delinquent or take any action a
Special Rule for Credit Card Purchises: If you have a problem wi
to uuhlern with Ile rnerrcfant. you may riot have to pay the semaii
and 9w encase was made in your home slpte or within r00:nw" f
sauces, all purchases ere covered regard s of the amou t or Iota
Payments. Send only your payment and the top porbon or this stela
use udermatwn on yaw check to rake an electronic fund traoslor in
If payment is processed as W. electronic fund transfer, the tram sler'w
funds n.ry be tvdbr4awn from your account as soon as the same da!
The pronessM of yes payment may be delayed if you send casts. c
envq: other than the ono provded Payments reom d n proper
moan Ec of o r pra:oasrhg ,aciilty after 5041 form? time mil be'creoce
6103, Carol Stream. 11, 60191-6103. Please allow 7-10 days for detn
You can pay your mil: nium payment or a greater amount over the in
bank account nfom ialorr You must ensue that su8iaerv funds are i
5 digits of you account statement zip code By entering those numb
payne.d you au5haize tuna you bank accoed, and to inmate debit i
tell us tie amount of each payment, or you can select an amount shy
mLst receive nodue at least three business days in advance of the
paragraph if yvui payrnenls may vary in amount, we will toe you on
may be less than indicated on the monthly statement based an cred
Credit Reporting. We may repot informatcrn about your aoaDW
repot vie normally report the stators and payment history of you
us at tlhe kltavring address: Discover. PO Box 15316, ftni gIon, -
k see the back of each page for additional important informai on.
all the terms of your Account
w think your bill is wrong, or if you need more information about a transaction on jar bin, write to us on a
1.0421, as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on
not preserve your rights. In your letter, give us the bdowmg nbrmation.
If you need more information describe the item you are unsure about
I you are still obligated to pay the parts of your bill that are rot in question. While we investigate youY
amount you question.
alit' of goods or services that you purchased with a credit card, and you have tried in good faith to correct
nt due on the goods or services You have this protection only when the purchase price was mote tian SW
aifing address. (8 we ohm or operate the merchant, or 9 we mailed you to adverbsenrent fa the goods or
to envelope provided. Do rat send cash. By sendirmg your check as described above. you authorize us to
account al the financial institution indicated an your check or to process the payment as a check transaction
the arnount on the died When we use intonation from your check to make an electronic fund transfer,
heive your payment, and you will not receive your check back from your financial institution.
rhdence or other hems with your payment. if you send the payment to any other address or it you use an
our processing lac6ty, by 5PM local time on any day will be credited to your Account as of that day Payrrwr*
rAcccurfas of the next day If you have tmsplaced yaw envelope, send your payment to Discover. PO Box
our payment is returned unpaid, we reserve the right to resubmit it as an electronic debit
h, and you can set tip automatic payments- Cal us at 1-800-341-2683. You will need On statement and you
.in your bank account, and all transactions crust comply with U.S. law. Youwdl be asked to provide the first
our electronic signature, you will be agreeing to this ausroraation to allow us and you bank to deduct each
entries to you bank accent, as applicable, to correct an error m the pocessng of such payment. You must
e Mniaun Payment We or the New Balance on each statement You can cancel a payment, however we
f payment. You may notify us by phone at 1X10-341-2683 or by inaail at the address listed in the previous
i thly statement than your payment will be made and hav much A will be. Your Automatic payment anoint
yments applied during the billing cycle.
hreaus. Late payments, missed payments, or odor defaults on your account may be reflected in you credit
credit reputing agencies each month If you believe that our repot is iaccurale or incomplete, please write
1-5316. Please include your name, address, home telephone number and Account nunbeer.
PERIODIC FINANCE CHARGES. Periodic Intone Chargesare on al transactions from the date the transaction is posted to your Account until the date you pay you entire
New Bsanoe, by making payments or receiving credits. However, if the New Balance on your previous billing statement by the Payment Due Date shown on that statement, and
you pay the New Balance by the Payment Due Date on xxr curranip" statement: we will not impose Periodic Finance Charges or new pwc ases, that is, purchases first appearing
on the current statement We tail this the grace period. Otlw_rthise, receive a biting statement next month that includes Periodic Finance Charges on those new purchases. There
is w giac period on balance transfers or cash advances.
We sod your transactions info groups of purchases. cash advances.
example, purchases subject to a Iyomotiorai rate are purchases su
each ttifing period, we ccii to balances and Periodic Finance Cho
Penak Finance Charges for each transacton category. Average D
sumnhar; on your b dI rig statement for those la puns ) Then we ado
Account. The Average Da!Iv Bait _e is shown as zero d, because o
We ust- the A•;nraga Ma y Pat inr:'ud•rr7 o row transsc'ionsl rnW
i,aha nil iw each ransau!o: :etc-yid y by j&i4 up av ins dory bail
compute the daily balance f r each tiansacta calaguy on each da
and Periodic Finance curbed on the pretaous days dally t
category on that day. In cakxikhnq the daily balance for the fi69 day
rmtegay on do last day of your previais Wing period. 0 a WasadM
ing occurred on the brst day,of the Whing period in Which i is posted
All fee Lhrgcount are added to to standard pure as
epq nsaciin category and Balance Transfer
a special balance transfer rate expires, we move the wq; hid balance
tansacton category However. if the specie rate has been tanmar
action Fee Finance Charges in the applicable transaction category t
For TDD (Telecommunications Device for the Deal) assisdncce,
Discover may monitor ardla record telephone calk between you at
Tl,c Discover' card is issued by Discover Bank, Member FDIC.
lance transfers and than further sal the transactions within each group by their Annual Percentage Rate. For
a standard rate would be separate groups. We refer to these groups as transaction categories At the end of
each day of the billing period for each transaction category. We use the following equation to compute
we x number of days in the billing period x Daily Periodic Rate_ (You may refer to the finance charge
Perc Finance Charges for each transaction category to get the total Periodic Fiance Charges for your
too period, no Periodic Fiance Charges apply to the balance in a transaction category.
akxnlating the Balance upon which we impose Periodic Fuhan ce Charges. We compute the Average Daily
a Wing period for a transaction category and dividing the total by the number of days in the biting cycie. We
adding the following to the previous day s daily balance: transactions made that day, fees charged that day
and by then subtracting any credits and payments that are applied against the balance of the transaction
ding period, we consider the'previo s day's balance' to have been your balance for each transaction
tted to your Account after the close of the MM period in Much it occurs. we will treat the transaction as hav-
ction category with the exception of Cash Advance Transacton Fee Finance Charges which are added to the
coon Fee Fiances Charges which are added to the applicable balance hassfer tarisadion category . When
balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase
r the Default Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Trans-
special rate would have expied-
eall 14l00--347-7449.
representatives for quality assurance purposes.
OITBK170
r It pays to FRED HARRISON
DISCOVER j DISCOVER Account number ending in 4604
I
Go green. Go paperless.
Join the effort to save trees and clean up your mailbox. Just sign up For
Paperless Statements and you can help save over 70 million pages per year.
You'll also be helping yourself to 24 months of password-protected, statement R
history, complete with merchant names, locations and zip codes.
Go to Discoveccom/poperless and sign up
for Paperless Statements today.
I
02010 D.-., Rank, Member FDIC PPRGRN.0610
Closing Dote: October 2, 2008 page 2 of 2
Finance Charge Summary
Balance Transfer offer for current billing period: Daily Periodic Rate: 0.00521 %; corresponding ANNUAL PERCE NTAGE
RA133.M Rate is subject to the terms of the offer including expiration.
Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE
Balances Rates RATES RATES CHARGES CHARGES
current billing period: 30 days
Purchases $3600.18 0.02942% 10.74% Y 10.74% $31.76 $0
Cash Advances $1959.64 0.05751% 20.99% F 20.99% $33.81 $0
Balance Transfers $3590.97 0.01068% 3.90% F 3.90% $11.49 $0
The rates that apply to your Account are either fixed (F) or they may vary M as noted above.
QUeStionS? Manage your account at D'tscover.com or
call 1-800-DISCOVER (1.800-347-2683).
New Balance i Minimum Payment Due { Account Number ending in 4604
DISCOVER $8,986.08 $179.00 Enter Amount Enclosed Below
Payment Due Date $ ---?
November 27, 2008 please make check payable to Discover Card or
pay online 0 Discovercard.com.
02 SDSN6A01 0018541
FRED HARRISON
237 SOUTHSIDE DR
NE$lVILLE PA 17241-8950
Address, e-mail or telephone change? Print change in space
above, of go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
Tired of buying stamps? Go mobile! Make
payments from your phone with the Discover
app. It's fast and it's free. DovnNoad today at
http://www.discover.comlapps
PO BOX 71084 1 1111 1 11
CHARLOTTE NC 28272-1084
1 111 1116111111111,11111.1...1IIitIII1111511111#$1 0 ,I??LL?l1
000001986458660225513089860800000000017900
Discover Motiva Card Account Summary
Closing Dale: November 2, 2008 page 1 of 1
Account number ending in 4604 Previous Balance $9,098.81
Payment Due Date November 27 2008 Payments And Credits 190.00
Minimum Payment Due $179.00 Purchases + 0.00
Credit limit $9,000.00 Cash Advances + 0.00
Credit Available $13.00 Balance Transfers + 0.00
Cash Credit limit $2,300.00 Finance Char ers + 77.27
Cash Credit Available $13.00 New Balance = $8,986.08
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Cashbadc BonuSe Opening Cashback Bonus Balance $ 93.13
New Casshback Bonus This Period + 0.00
Redeemed This Period 80.00
Cashback Bonus® Since Anniversary Month Cashbock Bonus Bakstce $ 13,13
August: $58.93
Pay-OroTime Bonus(SM) Update: 2 oo-time
payments have been received. Just make 4
more o"me payments in a row to earn a
Pay-On-Time Bonus!
How Can We Help You? I Visit Discover com to pay your 611 for no cost, view your
latest Account information, earn and redeem rewords and more
It's your choice - 3 ways to help 2. Call 1-800-DISCOVER(347-2683) for fast, easy self service
options or to speak with a Customer Service Account Manager
Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943,
For TDD (assistance for hearing impaired) see reverse side Sap Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Date Date
Payments and Credits Oct 28 Oct 28 INTERNET PAYMENT THANK YOU $ 190.00
54Wiln 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 $3671.46 0.02668% 9.74% V 9.74% $30.35 $0
Cash Advances $1994.31 0.05751% 20.99% F 20.99% $35.56 $0
Balance Transfers $3433.62 0.01068% 3.90% F 3.90% $11.36 $0
The rates that apply to your Account are either fixed (F) or they may vary M as noted above
Important Information. If there is more Aran one page to this billing t_ t, see the bade of each page tot additional important information
See your CardmemberAgreement Your Cardmembee Agreement a all the terms of your Account
Lost of stolen cards. Report immediately. Call 1-800-547-2683.
Billing Rights Summary. In Case of Errors or Questions About Your If Four think your big is wrong or t you need more information about a transaction on your bill. write to us on a
separate sheet of paper at Discover. PO Box 30421, Salt Lake City 841 10-0421. as soon as possible. We must hear from you no later than 60 days after we serN you the first bill on
which to error or problem appeared. You can telephone us. but so I not preserve your rights. In yore letter, give us the following information
Your name and Acuwrd number.
The dollar amourd of Cie suspected --rot
Desctile trie error and explain . 6 you can, why you believe Ova is
err
If you need more rdormartion. describe the item you are unsure about.
You do not have to pay any amount in question while we are i ves( t you are sd obligated to pay the parts of your bill that are not in question- While we investigate your
question, we carecit report you as delinquent or take any solicit to amount you question.
Special Rule for Credit Card Purchases: If you have a problem
M
h the lily, of goods or services that you pwrdiased with a credit card, and you have tried in good faith to correct
You have this protection only when titre purchase price was more than $50
oods or services
m due on the
ave to pay
e rem
the problem with the merchant you may not
and the purchase was made in your home state or within 100 miles your .
g
ding address. (d we cram or operate the merchant, or if we mailed you the adverbsement to the goods or
servhces, all purchases we covered regardless of the annum or boa of urchase.)
Payments. Send only your payment and the top portion of Atii spa
uss information on your duck to make an electronic fund trader I i
yoL the envelope provided Do not send cash. By sending your clack as described above, you autlhorize us to
account of the financial institution indicated on your dhede or to rocalis the Payment as a deck transactkn.
If payment is processed as an electronic fund transfer. the transfer be the amount on the check. When we use information from your check to make an electronic bind transfer.
finds may be withdrawn from you account as soon as the saute da r *we your payment. and you will not receive your lack back from your financial nstiannon
The processing of your payment may be delayed if you send Gash,
envelope other han Ifte one provided. Payments received in proper reldericie or other items with you payment. if you send the payment to any other address or A you use an
our processing Witty by 5PM local time on any day will be credited 10 you Account as of that day. Payments
rearved at our prooeslil facility after 5PIv1 loaf time will is a
6103. Card Stream, 111330197-6103. Please agow 7-10 days br to
.11 Account as of the next day. If you have misplaced your envelope. send your payment to Discover. PO Box
payment is retuned unpaid, we reserve the right b resubmit a as an electronic debit
You can pay your inatirrainh payment or a greater amount over the and yaa can set up automatic payments. Call us at 1-8W-347-2683 You wig need this statement and your
batik ace wnt muirnateR You must ensure that sufficient funds are
5 digits of your accord statement zip code. By entering terse
as in your bank account, and all transactions must comply with U.S. law. You will be asked to provide the first
electronic, signature. you :wit be agreeing to this authorization to stow bin and your bank to deduct each
payment you authorize from. your bank account, arid to inmate debit a entries to your bank account. as applicable, to correct an error in die processing of such payment- You must
leg us to amount of each payrrml, or you can select an amount sue as Minimum Payment Due or the New Balance on each statement You can cancel a payment, however we
mist receive etaboe at least three business days in advance of the payment. You may ratify us by phone at 1-800-347-2683 or by trail at the address listed in the previous
paragraph. If yam payment: mat vary in :mount, we will leg you on Mhfy statement when your payment will be made and how much it rig be YourAutomaac payment amount
may be less this, indicated on the monthly statement based on (0Xr is applied during the billing cycle.
CredR. Reporting. We may report information about your accent to edit eeus. Late payments, missed payments, or other defaults an you account may be reflected in your credit
report We normally repot tle status and paynhem history of you a credit reporting agencies each month. It you believe that our report is inaccurate or roe mplete, please write
us at the fobkywtrlg address: Discover. PO Box 15316. Wilmington, 198 -5316 Please include your name, address, home telephone number and Avant number.
PERIODIC F.NANCE CHARGES. Periodic Finance Charges are
by making payments or receiving credits However, If
New Balance
p all trar sac ions from the date the transaction ts posted to your Account until the date you pay your entire
the New Balance on your previous b gmg statement by to Payment Due Date shown on that statement, and
,
you pay the New Balance, by Are Payment Due Date on ycsr curets
on th current statement. We call his the grace period. OGie wise, '
will statement we will not impose Periodic Finance Charges on new purchases, that is, purchases first appeamng
rerz :'e a biting statement next month that includes Periodic Finance Charges on those new purchases There
is ra pace period on balance transfers or cash advances.
We stn yam t ansa: +rms into groups of purdhases, cash aduences,
purchases strbjecl to a promotional rate and purchases
exam
!a
ecl once transfers and then further sort the hransackas within each group by than Annual Penentage Rate. For
a sanded rate would be separate groups. We refer to these groups as transaction categories. At the end of
.
p
each te,arg period, we compute balances and Periodic Finance s each day of the billing period for each transaction category We use die following equation to mmpule
F` KKIV. Finance Charges for each transaction category: Average y 8 nce x number of days in the billing period x Daily Periodic Rate. IYoc may refer to the finance charge
summaq on ypa bring statement for these amounts.) Then we Periodic Finance Charges for each transaction category to gat the total Periodic Finance Charges for your
Account. The Average - Daily Balance is shown as zero f, because period, no Periodic Finance Charges apply to tle balance in a transaction category
We tK-c fie Average Oai;y Bal3gce 61KA .rki new transactions) cal"Jatmg the balance upon which we impose Periodic Finance Charges We compute the Average Daily
Balance for each pre risedion ategory by adding up erg the daily bale
comiube the daily Wance ici each transaction category on each '
by f a filling period for a transKIKn category and duviMng the total by the number of days in the billing cycle We
1 adding the following to the previous day s daily tiManre. transactions made that day, fees charged that day
and Periodic Finance Charges accrued on the previous day's daily arid by then subtracting any credits and payments that are applied against the balance of the transaction
rate vrv on that day in cak:dati g the duty balance for file fist der
category on Ih : last day of you, previous bring period. d a transac
is billing period. we consider the "previous day s balaw.e to have been your balance lot each harsaction
to your Account after the dose of the billing period in which it occurs, we will treat the hansadiar as hav-
ing occurred at the first der of the billing period in wlw.ch it is posted Account.
All fee-?i g o ?ccount are added to the standard par action categor; with the exception of Cash Advance Transaction Fee Finance Charges which are added to the
aprdcad use ansacion and Balance T-f
a special balance transfer rate expires, we r we :he unpaid balance mar
of ctron Fee Finances; Charges which are added to the applicable balance transfer transaction category. When
balance hander and the Balance Transfer Transaction Fee Finance Charges to the standard Purchase
trarsetctcn category However it to spew rate has been tams-a unc -r the Default Rate Phan, we leave the unpaid balance of the balance transfer and the Balance Transfer Trans-
at;tve Fee Finance t charges in the applicable transaction category tw special rate world have expired.
For TOO (Telecommunications Device for the Deal) assistance, aliew cape 1.600-347.7449.
Ciscover may motNor arWor record leteplone tags between you at D Gi over representatives far quality assurance purposes
The Disarmer' card is issued by Discover Bank, Member FDIC.
OITBK170
New Balance
DISCOVER $8,880.95
02 SDSNBAOf 0018542
FRED HARRISON
237 SOUTHSIDE DR
NEWVILLE PA 17241-8950
Minimum Payment Due Account Number ending in 4604
$177.00 Enter Amount Enclosed Below
Payment Due Date
December 28, 2008 Please make check payable to Discover Card or
pay online 0 Discovercard.com.
Tired of buying stamps? Go mobile! Make
payments from your phone with the Discover
app. It's fast and it's free. Download today at
hftp://www.discover.com/apps
PO BOX 71084 Ills rrIII erllrrrstill le1irl
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space )n{r{)rr{nr{i){rn{n{rlirrlllit If III {n{u{lrrln{n{?{Jill
above, or go to Discover.com Print your e-mail address to
receive important Account information and special offers.
000001986458660225513088809500180000017700
Discover Motiva Card Account Summary
Closing Date: December 2, 2008 page 1 of 1
Account number ending in 4604 Previous Balance $8,986-08
Payment Due Date December 28, 2008 Payments And Credits 180.00
Minimum Payment Due $177.00 Purchases + 0.00
Credit Limit $9,000.00 Cash Advances + 0.00
Credit Available $119.00 Balance Transfers + 0.00
Cash Credit limit $2,300.00 Finance Charges + 74.87
Cash Credit Available
$119.00 ----- ---
New Balance ------- -- ---- -
= $8,880.95
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Cashback Bonuse Opening Coshback Bonus Balance $ 13 13
New Cashbock Bonus This Period + 0.00
Cashbadc Bonus Balance S 13.13
Cashbock-Bonus®Since Anniversary Month
August: $58.93
You're halfway there- Just make 3 more
on-time payments in a row and you'll earn a
Pay-Ori-Time Bonus(SM).
How Can We Help You? 1 Visit Discover corn to pay your bill for no cost, view your
latest Account information, earn and redeem rewards and more
It's your choice - 3 ways to help 2. Call 1-8004DISCOVER (347-2683) for Fast, easy self-service
options or to speak with a Customer Service Account Manager
Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943,
For TDD (assistance for hearing impaired) see reverse side Sob Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Date Data
Payments and Credits Nov 17 Nov 17 PAYMENT THANK YOU $ 180.00
Jq% 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: 30 days
Purchases $3701.43 0.02668% 9.74% V 9.74% $29.62 $0
Cash Advances $2029.59 0.05751% 20.99% F 20.99% $35.02 $0
Balance Transfers $3195.23 0.01068% 3.90% F 3.90% $10.23 $0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
Important Information. d there is more than one page to His bilti t nt, see the back of each page for additional important information o
See your CardmeralwAgreement. Your Cardnember al the terms of you Account z
m,
Lost or stolen cards. Report immediately! Call 1400-347-2683. D
0
Billing Rights Summary. In Case of Errors or Questions About Y Big If you think you bill is wrong, or h you need more information about a transaction on your big, write to us on a o0
separate sheet of paper at Discover . PO Box 30421, Salt Lake UT 130-0421, as soon as possible. We must hear from you no later than GO days attar we sent you the first bill on
which the enor or problem appeared. You can Wephorne us, but will not preserve your rghts. In your letter. give us the following information:
Your tame and Accent number N
The dolar amount of the suspected error
Describe de error and explain, d you can, why you believe there an nor If you need more irdomakon, describe the deem you are unsure about.
You do not have to pay any amount in question white we ate i , but you are slid obligated to pay the pans of your bit that are not it question. While we investigate your
question, we cannot report you as delinquent or take any action to the amount you question.
Special Rule for Credit Card Purchases: If you have a pin qual ly of goods or services tat you purchased with a credit card, and you have tried in good faith to corned
the problem with lin merchant, you may not five to pay the r 'n9 z room due on ifs goods or services- You have this protection only when the purchase price was more then $50
and the purchase was made in you home state or within 100 of meting address. (if we own or operate the merchant, of 0 we marled you the advertisement for the goods or
services, all purchases are covered regardless of the amount (our f purchase )
Payments. Send ortly your payment and the top portion of flits in the envelope provided. Do not send cash. By sending your check as described shove, you aultorize us to
use mformsem on your dads to make an electronic kind prnsfer account at the financial institution indicated on your dads or to process the payment as a deck transaction.
It payment is processed as an rdachonic fund transfer. the (care for the amount on the deeck. When we use information from your check to make an electronic had transfer,
funds may be withdrawn from your account as soon as to same receive your payment, and you will not receive your check back from your firanciall ir"hi ion.
The processing dyour Payment may be delayed if you send cash or other gems with your payment, d you send the payment to any otter address of it you use an
envelope other tan the one provided. Payments received in prop , at our processing facility by 5PM local bme on any day will be credited to your Account as of that day. Payments
received at our processing facility after 5PM local lime wdlbe or o your Account as of the next day. If you have misplaced you em efupe, send you pajnrtent to Orsrnver. PO Brix
6103, Card Strewn. It 60191{6103. Please afow 7-10 days br d your payment is retuned unpaid, we reserve the right to resubmit it as an electronic debit
You can pay your mrimurn payment or a greater amount aver the elep , and you can set up automabe payments. Cal us at 1800-347-2681 You wig need this statement and your
bank account idanaalion. You must ensure that strident hands av in you bank account, and all transactions mat comply with U.S. law. You sag be asked to provide the fist
5 digits of your account statement zip code. By enleting tlase nun hers s your electronic signal you wdl be agreeing to this authorization to allow us and your bank to deduct each
payment you aahofize from your bank account, and to initiate det or entries to you 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 the Minimrn Payment Dune or the New Balance on each statement You can cancel a payment, however we
must receive notice at least three business days in advance of d4 scholi jukid payment. You may notify us by phone at 14 00-347-2683 or by mail at the address listed in the previous
paragraph. If your payments may vary in amount, we will led you cl i ea monthly statement when your payment will be made and flow much i wig be. YourAutomac payment amount
may be less than indicated on the monthly statement based on a its payments applied dung the billing cycle.
Credit Reporting. We may report information about you awant a it bureaus. Late payments, missed payments. or oterr defaults on your accent may be reflected in your credit
report. We norm* report the status and payment history Of your t o-edi reportig agerncles each month. If you believe that our repro is inaccurate or raomplete, please write
us at the following address Discover. PO Box 15316, Wilmington. 1 50-5316. Please include your name, address, home telephone number and Account number.
PERIODIC FINANCE CHARGES. Perodic Finance Charges are on al transactions from the date the transaction is posted to your Account and the date you pay your entire
New Balance, by making payments or receiving credits. However, you paid der New Balance on your previous bigirng statement by I he Payment Due Date shown on that statement, and
you pay the New Bdarce by the Payment Due Date on you cum V big ig statement, we will not impose Periodic Finance Charges on new purchases: that is, purchases first appearing
on gar current statement. We cal this the grace period. Otherwise you l receive a billing statement ned month tat includes Periodic Finance Charges on those new purchases. There
is no grace period an balance transfers or cash advances.
We sort your transactions rib groups of purch lses, cash edv balance transfers and tlen further sort the transactions within each group by tai Annual Percentage Rate. For
example, purchases subject to a promax nal rate and purchases to a standard rate would be separate groups. We refer to these grass as transaction categories. At the end of
each billing period. we compute balances and Periodic France for each day of the billing period for each transaction category 1Ne use the following equation to compute
Periodic Finance Charges for each transaction category: Average o ly atance x number of days in the billing period x Daily Periodic Rate. (You may refer to the finance charge
summary on your being statement for these amounts.) Then we up Periods Finance Charges for each transaction category to get the (Mail Penick Finance Charges for your
Account. The Average Daly Balance is shown as zero if, f
.
grace period. no Periodic France Charges apply to der balance in a transaction category
Vie use the Average Daily Balance (including new transactions) of calculating de balance upon which we impose Periodic Finance Charges We rnmpufr the Average Daily
Balance for each transaction category by adding up all the daily in a bang period for a transaction category and dwdvg the total by the number of days in the billing cycle. We
compute the daily balance for each transaction category on each y first adding to folowirg to die previous days daily balance: transactions made dal day, fees charged that day
and Periodic Finance Charges accrued on the previous day's dui ;and by then subtracting any credits and payments that are applied against the balance of the transaction
category on that day. In calculating the daily balance for der first of baling period, we consider the `previous day s balance' to have been your balance for each transaction
category on the lest day of your previous b girt period. t e ir posted to your Account after the close of the b&Q period in which it occurs, we will treat the transaction as hav-
ing occurred an the fist day of the bilng period in which it is b Account
AN f?y' ??y?n99??uarAccount are added to die standard Wr . category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the
appkebl?i diAFa tansaction category and Salanos Tr Tr section Fee Frances Charges which are added to the applicable balance transfer transaction category. When
a special balance transfer rate expires. we move the unpaid Of Malarce transfer and tla Balance Transfer Transaction Fee Finance Charges o the standard purchase
transaction category However. 4 the spacial rate has beante eel the Default Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Trans-
action Fee Finance Charges in the applicable transaction until special rote would have expired.
For TOO (Telecommunications Device fortheDeal) assiefa P+ e cal 1400.347.7449.
Discover may mails andfor record telephone cats between you I soover representatives for quality assurance purposes
The Discover' card is issued by Discover Bank, Member FDIC.
OITBK170
New Balance I Minimum Payment Due Account Number ending in 4604
$8,876.62 s, 77.00 Enter Amount Enclosed Below
DISCOVER
Payment Due Date $ I -
January 28, 2009 Please make check payable to Discover Card or
pay online 0 Discovercard.com.
02 SDSN6A01 0018543
FRED HARRISON Tired of buying stamps? Go mobile! Make
payments from your phone with the Discover
237 SOl1THSIDE DR app. It's fast and its free. Download today at
NEWVILLE PA 17241-8950 http://www.discover.com/apps
PO BOX 71084 1119111111111t111 1111 11 9 11
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space 1 ?1?11? )r?11?11?I'll oil1.1111„11@,11.14111.1IldIII'll I11
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458660225513088766200180000017700
Discover Motiva Card Account Summary
Closing Date: January 2, 2009 page 1 of 1
Account number ending in 4604 Previous Balance $8,880.95
Payment Due Date January 28, 2009 Payments And Credits 180.00
Minimum Payment Due $177.00 Purchases + 100.00
Credit limit $9,000.00 Cash Advances + 0.00
Credit Available $123.00 Balance Transfers + 0.00
Cash Credit Limit 300.00
$2 Finance Ciwr e s 75.67
+
Cash Credit Available ,
$123.00 New Balance _
= $8,876.62
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Cashback Bonuse Opening Coshback Bonus Balance $ 13.13
New Cashbock Bonus This Period + 0.25
Cashback Bonus Balance $ 13.38
Cashback Bonus & Since Anniversary Month
August: $5918
Pay-On.-Time Bonus(SM) Update: 4 on time
payments have been received. Just make 2
more on4ime payments in a row to earn a
Pay-On.-Time Bonus!
l
Y
H
?
C
W
H 1 Visit Discover com to pay year 6111 for no cost, view ur
so
p
ou
e
an
e
ow and more
latest Account information, earn and redeem reward
s to hel
r choice - 3 wa
It's 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service
p
y
you options or to speak with a Customer Service Account Manager
Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943,
For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130
Transactions $O Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Date Date
Payments and Credits Dec 26 Dec 26 PAYMENT THANK YOU $ 180.00
Merchandise/Real Dec 26 Dec 26 PHARMACARE OF CUMBERLAND CUMBERLAND MD 100.00
jMq" 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 $3756.35 0.02463% 8.99% V 8.99% $28.68 $0
Cash Advances $2065.50 0.05751% 20.99% F 20.99% $36.82 $0
Balance Transfers $3074.97 0.01068% 3.90% F 3.90% $10.17 $0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above
knportmt Intimation. V there is more than one page to t! ii a mt. see the back of each page or additional importiltirl information
see your Cardmember Agreement vow Cerdmember an the terms of your Account
Lost or stoke cards. Report immediately! Cal 1 tW397-2683.
Biting Rights Summary. In Case of Errors Of Ohrestons About Y
separate sheet of paper at Discover. PO Box 30421, Sal Labe City. Bin_
i 84 You Link your bill is wrong, or if you reed more information about a transaction on your hit, write to us on a
30-0421, as soon as possible. We nest hear from you no later than 60 days after we sent you the first bill on
which the error or problem appeared. You can telept- us. (col so it not preserve your rights. In your letter, give us the folowrrg infomralton:
Your name and Accoun! number.
The dollar amount of to suspected error
Oexiibe the error and explain, if you can, why you believe diere'
of. t you need more information. describe the item you are unsure abort.
You do not have to pay any amount in question while we areafvesth ing but you are st l obligated to pay die parts of your bid that are not in question. Whie we investigate your
question, we carat report you as del rguent or take any acQon to t amount you question.
Special Rule for Credit Card Purchases: It you have a problem . the quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct
the problem with the merchant. you may not have to pay the an due on the goods or services. You have this protection only when the purchase {rice was more than $50
and the purchase was made in your home state or within 114 miles you mailing address. (If we own or operate the merchant, or if we mated you the adveArsement for the goods or
services, an purchases are covered regarrliess of the or purchase.)
Payments. Send only your payment and the top portion of AM de envelope provided. Do not send cash. By sending your check as described above, you autionize us to
use information on yin check to make sc electrome find transfer
rocessed as an elecr ivc find transfer, the transfer
miere is
It
a 11
be account at the financial nsmution krficaled on your check or to process the payment as a check transaction.
the amount on the checc. Wlen we use information from your check to make an electronic fund transfer,
p
p
y
hinds tray be Y&Amwm from your account is soon as ae samo we your payment, and you will not receive your check bade from your financial instruction.
The ptocessing of your payment may be delayed lyou sent, cash, ce or other items with your payment, d you send the payment to any other address or it you use an
envelope other aria n the one pf wided Pa,,nrats received in hxoper
eceivbd old our :irocessiig f f y suer rM iocal tone 0bei cr
to our processing facility by 5PL! ncai :+me on any day wil be crackled to your Account as of that day Payments
Account as of Joe next day. If you have misplaced your envelope, send your payment to Discover; PO Boil
6103, Cat of Stream. IL 60197-603. Please slow 7-10 days for de' your payment is returned unpad, we reserve the right to resubmit it as an electraw debit.
You can pay your mkiinnrn paymen! or a greater amount over the
You must ensure that sufficient fixhds are
bank aca tint nfomiation e , and you can set up automatic payments. Cal us at 1.900-347-2683 You will need this statement and your
in your bank account, and al trarsactions rust comply with U.S. law. You will be asked to provide hie first
.
5 digits cf your ..ccoud statement zip code By an" these a your electronic signature, you will be agreeing to this authorization to allow us and your batik to deduct each
payment you authorize from your bank accent and to initials debit a entries to your bank accamC as applicable, to correct an error in the processing of such payment. You must
tell us tha orrm ont of each payment, or you can select an amount
must receive r bce at least three bi.sness days in advance of the as Minimum Payment Due or the New Balance on each statement You can cancel a payment, however we
d payment You may notify us by phone at 1-800347-2663 or by nwil at the address listed in the previous
paragraph. If your pzymenL may vary in amount, we coil tell you on ach dy statement when your payment viol be made and hrxv much it will be. Your Automatic payment amount
may tr less tun imitated or, the month!y statemard based on c red ymems applied during the billing cycle.
Credit Reporting. Vie may report nlimaton abort your account t( xed ' bureaus. Late payments, massed payments. or other defaults on your account may be reflected in your credit
her . t. We m,rmaAy reporttfe status and payment history dyer A to credit reporting agencies each month. t you believe that our report is inaccurate or incomplete, please while
as at the fdoH-:g address: ilscovm, PC Fox 153 i6. IA'8migtori :191 5316. Please include your name, address, home telephone number and Account number.
PERIODIC FKAVCE CHARGES. 0e:eAc Finance, Charged are
d
credits However
ments cr:acelm
a
b on an hansachons from the date the transaction is posted to your Account until the date you pay your entire
td the New Balance on your previous biing statement by the Payment Due Date shown on that statement, and
.
g
y in
rnhg pay
New 6a `.lh
you pay tie Flare Balance by the Payment Due Dale on your statement, we will not impose Periodic Finance Charges an new purchases. Del is, purchases first appearing
an the aNent statement. We ca:! de; the grace period. Otherwise, v receive a billing statement next month that includes Penodic Finance Charges on terse new purchases. There
.e nu grail: perKxt on balance ransfers cr cash advance-
We sort your transactions into groups of purchases. cash advances alanve transfers and then further sat the transactions wmthn each group by their Annual Percentage Rate. For
example. purrieses surbpect to a prdmotkxel rate and txrchases a standard rate would be separate groups. We refer to these groups as transaction categories At to end of
each bdbg period, we compute bakeces and Periodic Fxharce Ch.
Period, Finance Charges for each 7ansacron category. Average 1 es f
y eacii day of the biding period for each transaction category. We use the following equation to Compute
ir
lance x number of days in the biting period x Daily Periodic Rate. bYou may refer to de finance Charge
summary on .rem billing statement fm Ness an-mounts ) Then we uP d Periodic Finorce Charges for each transaction category to gel the total Periodic Finance Charges fur your
A xourd Ti a Average Daly halo: r? is <Idrwn as zero N because o
.
e period, no Periodic Finance Charges apply to the balance in a transaction category
y a o;y .!.„. n hr. 084 • n i. , r' Yr 1 it, = me ixtarce upon h" we impose Periodic Finance Charges. We own ule toe Average Daily
'
tial.ar e foe m uansacfim b, lr. , ut al d w jai bat,
uta The daily b &W,. f i;x eac+h :aasaction cateycdy al each '
can
by e
a b!i:irg n?,rxrJ for a transaction category and drvdxg the total by the number of days in the billing cycle. Jn
addtrig the fogowog to the previous day s daily balance. bansacuons made that day, fees charged that day
p
and Penio4 Finance Charges Fom_ied on the previrds day's day . and by then subtracting any credits and payments that are applied against the balarioe of the transaction
"
category on that day In calculalsg the dally balance for the first day thi o have been your balance for each transaction
biting period, we consider the'prev ours day's balance
ca" w on the tats day of your previous billing pen od- b a tr is to your Account after the close of to bil inng period in which t occurs, we win treat the transaction as hav-
ing occurred on th,- foist dry of the b+nrg period in which it is posted Account.
car e^ded to the standard pr
Ad fees
ory and g arice Trask
nsoca, - cate
tion
l tar
r ran category with de exception of Cash Advance Transaction Fee Finance Charges which are added to the
' Fee Finances Charges which are added to the applicable balance transfer transaction category. When
k
g
tc
app
a special balance transfer rate expires. we nova the mioad balance of balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase
transaction udegory However. it t ha special rate has been tarmnat the Data* Rate Plan, we leave the repaid balance of the balance transfer and the Balance Transfer Trrns-
acrion Fee Finarmxe Charges in the appLable transaction category special rate would have expired.
For TOO (Telec xnmurications Device for the DesQ assidarrce,
Uiscove: may r,morntor ar J;V record teWphame calls tretxeer you a:
The Dism.er card is issued by Discover Bank, Member FDIC.
call 1-800.347.7449.
ver representatives for quality assurance purposes
OITBK170
New Balance
DISCOVER $8,x61.80
02 SDSN6A01 0018544
FRED HARRISON
237 SOUTHSIDE DR
NEWVILLE PA 17241-8950
Minimum Payment Due Account Number ending in 4604
$176.00 Enter Amount Enclosed Below
Payment Due Date
February 27, 2009 please make check payable to Discover Card or
pay online 0 Discovercard.com.
Tired of buying stamps? Go mobile! Make
payments from your phone with the Discover
app. ft's fast and its free. Download today at
http://www.chscover.com/apps
PO BOX 71084 III 111II1111111111111111111
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change2 Print change in space l,?f?II1?Ir1?Ir11?111 rl?Ir?lllll??rl?rl ??l?rll? 1,??,?l???rll
above, or go to Discover.com. Print your e-moil address to
receive important Account information and special offers.
000001986458660225513088618 000000000017600
Discover Motiva Card Account Summary
Closing Date: February 2, 2009 page 1 of 1
Account number ending in 4604 Previous Balance $8,876.62
Payment Due Date February 27 2009 Payments And Credits 200.00
Minimum Payment Due $176.00 Purchases + 0.00
Credit Limit $9,000.00 Cash Advances + 102.00
Credit Available $138.00 Balance Transfers + 0.00
Cash Credit Limit $2,300.00 Finance Char es +83.18
Cash Credit Available $138.00 New Balance = $8,861.80
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Cashback Bonuse
Cashback BonusO Since Anniversary Month
August: $59.18
1 on-time payment to got Make of least your
Minimum Payment Due by the Payment Due
Date and earn your next month's interest as a
Poy-Or-Time Bonus(SM).
Opening Cashback Bonus Balance $ 13.38
New Cashback Bonus This Period + 0.00
Cashback Bonus Balance $ 13.38
1 Visit Discover corn to pay your 611 for no cast, view r
How Can We Help You? latest Account inormation, earn and redeem rewar s and more
It's your choice - 3 ways to help 2. Call 1-80ODISCOVER (347-2683) for fast, easy self-service
options or to speak with a Customer Service Account Manager
Please have your Discover Card available. 3. Write us at Discover Cord, PO Box 30943,
For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Date Date
Payments and Credits Jan 28 Jan 28 INTERNET PAYMENT THANK YOU
Cash Advances Jan 8 Jan 8 MEMBERS 1 ST FCU CAMP HILL PA
Jan 8 Jan 8 CASH ADVANCE TRANS FEE FINANCE CHARGE
$ -200.00
102.00
5.00
6mw Charge Summary
Nominal Transaction
Average Daily ANNUAL ANNUAL Periodic Fee
Daily Periodic PERCENTAGE PERCENTAGE FINANCE RNANCE
Balances Rates RATES RATES CHARGES CHARGES _
current billing period: 31 days
Purchases $3859.67 0.02463% 8.99% V 8.99% $29.46 $0
Cash Advances $2193.03 0.05751% 20.99% F 24.12% $39,.09 $5.00
Balance Transfers $2912.61 0.01068% 3.90% F 3.90% $9.63 $0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
Income Gap Protection gives you cash when you need it most - when your income is interrupted by involuntary
unemployment, disability or family leave of absence. team how Income Gap Protection can help you. Coll us today at
1-800-240.1009
ner" ;see the bark of each page for additional important information
Important Information. If time is more than one page to tlYs sta
See your Cardmember Agreement Your Cardmember ins a& the terms of your Account
Lost or stolen cards. Report immediately! Call I SO-347- 683
Billing Rights Summary. In Case of Enos or Questions Abend Y Bill If you d** your big ts wrong, or it you need more inlormation about a transaction an your bill, write to us on a
4
separate sheet of paper at Discover. PO Box 30421, Sell Lake C' UT 130-0421, as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on
which the error or problem appeared. You can telephone ub, but will not preserve your rights. In your letter, give us the following nlormation:
Your name and Account number.
The dollar amou i of the suspected error
Describe the error and explain, d you can, why you believe there an or. If you need more information, describe the item you are unsure about.
You do not have to pay any amend in question while we are but you are still obligated b pay the pans of your bill that are not in question. While we investigate you
question, we cannot report you as delinquent or take any action to okc the amount you question.
Special Rut for Credit Card Purchases: If you have a problem quhdity, of goods or services that you purchased with a credit card, and you have tried in good faith to correct
the problem with the merchant. you may nol have to pay to rams due on the goods or services. You have this protection only when the purchase price was more than $50
and the purchase wait made in you home state or within 100 In oil maig address. (If we own or operate the merchant, or t we mailed you the advertisement for the goods on
services, all purchases are covered regardless d the amourl a purchase.)
Payments. Send only you payment and the top portion of /his in Ilia 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 timsler acouaN at the financial istitutim indicated on your check or to process it* payment as a check transaction.
If payment is processed as an elearahc fund transfer, the 7 for the amount on the check. When we use information from your check to make an electronic had transfer,
funds may be withdrawn from you accent as soon as the game receive you payment, and you will not receive your check back from your financial institution.
The proof AV of your payment may be delayed '4 you sand cash or other items with you payment, d you send the payment to any other address or if you use an
envelope other than the one provided. Payments received i Pw"Mvp nt our processing faddy by 5PLI local M* on any day will be credited to you Account as of that day. Payments
received at our processing facility after 5PM local time will be cr to Account as of the next day. If you have misplaced your envekpe, send your payment to Discover. PO Box
6103, Carol Stream. IL 60157.6103. Please allow 7-10 days for l you payment is returned unpaid. we reserve the right to resubmit it as an etectiawc debit.
You can pay your trrhrtnum payment o (a greater amount over the and you can sell up automatic payments. Cal us at 1-800-347-2683 You will reed this statement and your
bank account ihbnralon. You must ensure that sulficent leads all av in you bank accent, and all transactions must comply with U.S. law You will be asked to provide to fast
5 dgts of you account slatemeM zip Code. By entering those you electronic signature. you will be agreeing to this authorization to allow us and your bank to deduct each
payment you authorize from your bank account, and to rWale det or entries to your bank acmuhl, as applicable, to correct an am in the processing of such payment. You must
tell us the amount of each payment, or you can select ern aeourt the Mehnrtm Payment Due or the New Balance on each statement. You con cancel a payment, however we
must recewe notice at least three bosness days in advance of the payment You may notify us by phone at 14MO-347-2683 or by mail at to address listed in the previous
paragraph. If your payments may vary in amount, we will fall yah earl monthly statement when your payment will be mane and how much d will be. You Automatic payment amount
may be less than indicated on the monthly statement based on a payments applied dung the billing cycle.
Credit Reporting. We may report information about your account a 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 you to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write
us at the following address: Discover. PO Box 15316, Wihrgtorh. 1 50-5316. Please include your name, address, hone telephone number and Account nurnber.
PERIODIC FRANCE CHARGES. Periodic Fiance Gwa gqi are on all transactions from de date the transaction is posted to your Account until the date you pay your entire
New Balance. by making payments or recevirhg credits. Hgaew.. you id this New Balance on your previous billing statement by the Payment Due Date shown on that statement. and
you pay the New Balance by the Payment Due Date on your bill statement. we will not impose Periodic Finance Charges on new purchases, that is, puuihases first appearing
on the current statement. We call has the grace period. Odwmse receive a billing statement next month that includes Periodic Finance Charges on those new purchases. There
is no grace period on balance transfers or cash advances.
We sort your trarmictions into groups of purchases, rash balance transfers and ten further sat the transactions within each group by thew Annual Percentage Rate. For
example, purchases shb)ed to a pmmotionel rate and putt aces bjLK to a standard rate would be separate groups- We refer to these groups as transaction categories. At the end of
each bill" period, we co rhpkte balances and Periodic Fntncce C up for each day of the billing period for each transaction category We use the following equation to compute
Periodic Finance Charges for each transaction caleigory: Al erage iski aline x number of days in the billing period x Daily Periodic Rate. (You may refer to the finance charge
summary on your billing statement for these amounts) Than we Lip Periodic Fiance Charges for each transaction category to get the total Periodic Finance Charges for your
Account- The Average Daily Balance is shown as zero d. because ilia ace period, no Period c Finance Charges apply to the balance in a transaction category
We use the Average Daily Balance (whckading new tiansadkns) _ calculating die balance upon which we impose Periodic Finance Change, W, :omp,.rte the Average Daily
Balance for each transaction category by adding up all the daily in a billing period fur a transaction category and dividing tl c totzil b the number of day z in Ow blfi(g c-, ltie
compute the daily balance for each transaction category an each fist adding the following to the previous days daily balance: h ansactions made that day, fees charged that Clay
and Periodic Finance Charges accnted on the previous dris and by then subtracting any credits and payments that are applied aganst the balance of the transaction
category on flat day. In calculating the daily balance for the krill of billing period, we consider the -previous day's balance- to have been you balance for each transaction
category on the fast day of your prevnhhs billing period- If atr posted to your Account after the dose of the Mgxg period in which it occurs, we will treat the transaction as hav-
ing occurred on the fast day of to billing period in which it is a Account.
At ?rAccount are added to the standard categorywith the exception of Cash Advance Transaction Fee Finance Charges which are added to the
sp?d.transaction category and Belanhce T Tr Fee Finances Charges which are added to the applicable balance transfer transaction category. When
a special balance transfer rate expires, we move the unpaid of balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase
transaction category. However. if the special rate has been the Derfaut Rate Plan, we leave the unpaid balance of the balance hansfer and the Balance Transfer Trans-
action Fee Finance Charges in fie applicable traisactrn hrtW special rate would have expired.
For TDD (Teiecomrmuhications Device for the Deal) assistanc, pie call 1-000.347.7449.
Disrwver may monitor ardfot record telephone calls betweW you Ind rr representatives for quality assurance purposes
The Discover card is issued by Discover Bank. Member FDIC.
OITBK170
DISCOVER
New Balance I Minimum Payment Due Account Number ending in 4604
$8,765.70 L $174_00 Enter Amount Enclosed Below
Payment Due Date $
March 28, 2009 Please make check payable to Discover Card or
pay online 0 Discovercard.com.
02 SDSN6A01 0018545
FRED HARRISON
237 SOUTHSIDE DR
NEWVILLE PA 17241-8950
Tired of buying stamps? Go mobile! Make
payments from your phone with the Discover
app. It's fast and its free. Download today at
http://www.discover.conVapps
PO BOX 71084 11111111r111111rrr(111111r1
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space 11t14(if in,IIIIIt II I IIIn111IIII 1Iif 14oil I11111111111111111
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458660225513087657000180000017400
Discover Motiva Card Account Summary
Closing Date: March 2, 2009 page 1 of 1
Account number ending in 4604 Previous Balance $8,861.80
Payment Due Date March 28, 2009 Payments And Credits 180.00
Minimum Payment Due $174.00 Purchases + 0.00
Credit Limit $9,000.00 Cash Advances + 0.00
Credit Available $234.00 Balance Transfers + 0.00
Cash Credit Limit $2,300.00 Finance Charges + 83.90
Cash Credit Available $234.00 _
New Balance = $8,765.70
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Cashback Bonuse Opening Cashbock Bonus Balance $ 13.38
New Cashback Bonus This Period
Pay-Orr-Time Bonus + 8190
Everywhere Else + 0.00
Cashbock Bonus® Since Anniversary Month Cashback Bonus Balance $ 97.28
August: $143.08
CONGRATULATIONSI You earned $ 83.90
as a Pay-On-Time Bonus(SM). Visit
Discovercard.com or call 1$00•DISCOVER
(1-800-347-2683) to redeem your reward!
How Can We Help You? 1 Visit Discaver.cem to pay your bill for no cost, view your
latest Account information, earn and redeem rewards and more
It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self service
options or to speak with a Customer Service Account Manager
Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943,
For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130
Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence.
Trans. Post
Date Date
Payments and Credits Feb 27 Feb 27 PAYMENT THANK YOU $ 180.00
5449% 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: 28 days
Purchases $3893.92 0.03627% 13.24% V 13.24% $39.53 $0
Cash Advances $2248.06 0.05751% 20.99% F 20.99% $36.20 $0
Balance Transfers $2734.50 0.01068% 3.90% F 3.90% $8.17 $0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
important information. t fiere is more than one page to this billing s
See your Cardmember Agreement Your Cardmenber Agreement
Lost or stolen cards. Aepa-t nmedately Call 1-300-347-2663.
Biging Rights Summary. in Case (A Errors or Questions About Your
separ: to sheet of paper at Discover. PO Bcx 30421, Sat Lake City.
which the error or problem appeared. You can telephom us, but doint
You name and Amount number
The dollar amoud of the suspected error
Describe ft error and explen. t you ran, why you believe there is
You do ncc4 have to pay any amount in question whale we are - inveft
gdesuon. we cannot report you as deanximnt or take any action to
Spitciai Rule for Credit Card Purchases: if you have a probbin wt
theiproblem with the merchant you tray rot have to pay the remain
and it* purchase was made on year tome state or within iti0 milas
services, at purchase' are ar:ered regardless of the amount or local
Payments. Send only you payment and the top potion of this stake"
use KANniatan on you aback to make an electonic fund transfer Ira
it payment is processed as an electronic fund transfer, the traraler eel
funds may be w 4 Arawn from you account as soon as the sane day
The processing of you payment may be delayed If you send oaslh, uo
envelope other than the one proveled Payments received in proper k
received w our pro isssi y tacky after Ski local Lme wit- be iYedied
6103, Carol Stream. IL 60197,6103. Please allow 7-10 days for detivi
You an pay you nwwo rn payment or a greater amount over IM let
bank account -nfomati You must ensue Eat sulfident funds are a
5 digits of your account haleenent zip code By entering those numbe
payment you authorize her. you be* account and to hrxtiate debit o
tell us fire arriout of each payment, or you can select an amount suc
must ne me rdice at lest free business days in advance of the so
paragraph If your payments may very in amount. we will tell you on e
nay be less than indicated on the rront+iy statement based on credit
Credit Reporting.'A'e ma, report reformation about your amount to
report We hornunty report rte static.. acrd paynherd history of your Aix
us at the: vinivi g artless: Discovra. PO Box 15316. N4lmingim. DI
PERIODIC FINANCE CHARGES. Periodic Finance Charges are inq
New Balance, by making payments or recamg credits However, if)
you pay the New Balance by IS-- Paynrieht Due Date on your current
on the current stalemen if6't) cali dtis the grace period Othxrmise. Y(
is no grace period on balance transfers cf ash advances.
We sari your trarsactions imo groups of purchases, cash advances.
exam. purchases subdect to a pramhonat rate and purchases sit
each Wig period, we compute balances and Periodic Fiance Char
Periodic Finance Chargec for each transacton category: Amge, Jai
sumnhary an your bmkrrg staieht?u lot dew amounts.) Then we add
Account The Average Da'y Baiance is shown as zero d, because of
WeusetheAve:sg1 Daily mrvtrarsad") met
halax:e r_r actin u: tsar: n,_ - cox ; oy addvq up e. daily bale
crxn" the daffy i:danhrr for eac-^. lransacbm category on each dal
and Periodic Fiance Charges accrued on the previous day's daily to
category on that day. In calo tatirg the daily balance for the fill day
ca?ogcpry on the last day of you previous bang period- if a tralsactic
cg occunned on the first day cf the billing period in wtnch it is posted.
At sees?rgg?q ?py?i? at are added io the st standard purchase
ap1A-;a1?l3aQdt(b?6lra+sac+nrt category and Balance Transfer
a spiecral balance transfer rate inures, we hnove Che unpaid balance
trarssa.Yon category However t the special rate has been tentanate
acition Fee FinanceCharges in to applicable transaction category u
For TDD (Telecommunications Device for the Deaf) assistance,
Discover may nioritor andnor record telephone calls bePheen you an
The D-sccver card is issucrd by Dm over Bank, Member FDIC.
see the back of each page for additional important information.
all the terms of your Account
w think your bill is wrap or t you need more information about a transaction an you hill, write to its on a
1-0421, as soon as possible. We must hear from you no later than 60 days alter we sent you the first bell on
not preserve your rights. to you letter, give us the following infomration:
If you need more information, describe the item you are unsure about.
I you are still obligated to pay the pads of your bill that are not in question WI& we investigate you
amount you question.
tdy of goods or services that you purchased with a credit card, and you have tried in good IBM to correct
it due on the goods or services. You hsve this protection only when the purchase price was more than $50
ailing address. (t we own or operate the merchant. or if we trailed you the advertisement for the goods or
the envelope provided. Do riot send cash. By sending your check as described above, you authorize us to
account at the faancial institution ir6cited co your check or to process the payment as a check transaction
the amount on the check When we use information from you check to make an electronic fund transfer.
eive your payment. and you will not receive you check back horn your financial institution,
edence or other teas with your payment, it you semi the payment to any other address or i you use an
cur processing facility, by 5PM local tine on any day will be credited to your Account as of that day. Payments
r Account as of Ile next day. If you have misplaced your envelope, send your payment to Discover. PO Box
our payment is reamed unpaid, we reserve the right to resubmit it as an electronic debit
p, and you can set ley automatic payments. Cat us at 1-800-347-2633. You will need this statement and your
e in your bank account and all transactions must comply with U_ S. law. You will be asked to provide the fast
our electronic signature. you will be agreeing to its authorization to allow us and you bank to deduct each
entries to your bank account, as applicable, to correct an error in the processing of such payment. You must
e Minimum Payment Clue or the New Balance on each statement. You can cancel a payment. however we
d payment You may notily us by phone at 1900-347-2683 or by mail at the address fisted in to previous
archly statement when your payment will be made and how much it will be. Your Automatic payment amount
yments applied during the biting cycle.
iureaus. Late payments. missed payments, or other defaults on your account may be reflected in your credit
p aecfil teponing agencies each month- if you believe that our report is naocun de or itcnntplete• please v riae
1-5316. Please include your name, address, horse telephone number and Account number
in all transactions from the dale the transaction is posted to your Account until the date you pay your entire
7 the New Balance on your previous biting statement by the Payment Due Dale shown on [hat statement, and
datement we will not impose Periodic France Charges on new purchases, that is, purchases first appearing
eceove a biting statement next month that includes Periodic Finance Charges on those new purchases. There
e<re transfers and then further sat the transactions within each group by their Annual Percentage Rate. For
i standard We would be separate groups. We refer o these groups as transaction categories. At the and of
each day of the billing period for each transaction category. Are use the following equation to compute
nce x number of days in the billing period x Daly Perodic Rate. (You may refer to the finance large
periodic Fiance Charges for each transaction category to get the total Per-odic Finance Charges for your
:e peril, no Periodic Finance Charges apply to to balance in a transaction category.
aictatng the balance upon which we impose Periodic Finance Charges We compete the Average Daily
a bitting period for a transac on category and hividng fie total h - the number of days in the billing cycle 1h'e
adding the following to the previous days daily balance: transactions made tat day, fees charged that day
and by then subtracting any credits and payments that are applied against the balance of the transaction
05ng period, we consider the'previous day's balance' to have been you balance for each transaction
pied to your Account after the close of the billing period in which it occurs, we will treat the transaction as hav-
tbn category with the exception of Cash Advance Trensadion Fee Finance Charges which are added b the
h%-, Fee Finances Charges which are added to the appliraible balance transfer trarsacton category. When
Lance transfer and the Balance Trainer Transaction Fee Finance Charges to the standard purchase
the Default Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Trans-
pecial rate would have expired.
1-04347-7449.
epresenafives for quality assurance purposes.
OITBK170
New Balance
DISCOVER $8,684.14
02 SDSN6A01 0018546
FRED HARRISON
237 SOUTHSIDE DR
NEWVILLE PA 17241-8950
j Minimum Payment Due Account Number ending in 4604
i $172.00 Enter Amount Enclosed Below
Payment Due Date $
April 27, 2009 Please make check payable to Discover Card or
pay online @ Discovercard.com.
Tired of buying stamps? Go mobile! Make
payments from your phone with the Discover
app. It's fast and it's free. Download today at
http:/Avww.discover.com/apps
PO BOX 71084 Ill 1111111111111111 r 11''1'1
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space (rr(r11rrlrru(r{(rrr?rr(r(irr?l(Irrr?rr?rr?rrl(rr?rr?rrlr?rrl)
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458660225513086841400175000017200
Discover Motiva Card Account Summary
Closing Date. April 2, 2009 page 1 of 1
Account number ending in 4604 Previous Balance $8,765.70
Payment Due Date April 27 2009 Payments And Credits 175.00
Minimum Payment Due $172.00 Purchases + 0.00
Credit Limit $9,000.00 Cash Advances + 0.00
Credit Available $315.00 Balance Transfers + 0.00
Cash Credit Limit $2,300.00 l" dames
Fna + 93.44
Cash Credit Available
$315.00 -
New Balance _
= $8,684.14
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Cashback BonUSe Opening Cashback Bonus Balance $ 97.28
New Cashback Bonus This Period + 0.00
Cashback Bonus Balance $ 97.28
Cashback-BonusS Since Anniversary Month
August: $143.08
Pay-OrvTime Bonus(SM) Update: 1 on-time
payment was received. Simply make 5 more
on-time payments in a row to earn a
Pay-On-Time Bonus!
How Can We Help You.? . 1 Visit Discovercam to pay your bill for no cost, view r
earn and redeem rewards and more
latest Account information
s to hel
our choice - 3 wa
It's ,
2. Cal 1-800•DISCOVER (347.2683) for fast, easy self-service
p
y
y 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 Sdt Lake City, UT 84130
Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence.
Trans. Post
Data Date
Payments and Credits Mar 27 Mar 27 PAYMENT THANK YOU $ 175.00
§4ARtn 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 $3935.78 0.03627% 13.24% V 13.24% $44.25 $0
Cash Advances $2286.51 0.05751% 20.99% F 20.99% $40.76 $0
Balance Transfers $2549.02 0.01068% 3.90% F 3.90% $8.43 $0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
Important Information. If there is more than one page to this b nt, see the back of each page for ad&tionat important information.
See your Cardlmember Agreement Your Cardmember Ay(r con ins r l the terms of your Account.
Lost or stolen cards. Report immediately! Cal i 40-3474M.
Biting Rights Summary. In Case of Errors or Questions Apart Y Bo l . you think your bil is wrong, or it you need more idom>abon about a transaction on your bil, write to us on a
separate sheer of paper at Discover. PO Box 30421, Sak Lake . UT 130-0421, as soon as possible. We must hear from you no later than 60 days after we sent you the first hot on
which the error or problem appeared. You can telephone u.9, but di ing so will not preserve you rghts In your letter, give us the following infomation:
Your name and Account number.
The dolor amohat at to suspected ema
Describe the error and expfam, l you can. why you bell" there an e rror. K you need more information. describe to dem you are unsure about.
in
You do not have to pay any amount in question while we arts bur you are stile obligated to pay to parts of your bill Bat are not in question. White we investigate your
wm
1 :
question. we cannot report you as delinquent or take any -r"'-' to the amount you question.
Special Rule for Cn dt Card Purchases: IT you have a prbblern 1 quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct
the problem with the merchant. you may rat have b pay tM 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 you fame state or within 1Qt1 m' of it nailing address. (l we own or operate the meicha t, or f we matted you the advertisement for to goods or
services, all purchases are covered regardless of the anoyd or lion t purchase.)
Payments. Send only you payment and the top portion of Ibis in the envelope provided. Do nal send cash. By sending your check as described dove, you authorize us to
use information an you check to make an electronic (uW danstar accahm at the financial nsltuNorn indicated an you choke or to process the payment ass check trarmsaction.
It payment is processed as an electronic had transfer, the llansfet d! for the amount on the check. When we use informaion from your check to make an electronic fund transfer,
funds may be withdrawn from you account as soon as thessme receive your payment, and you will not receive your deck back nom you financial waluton.
The processing of your payment may be delayed f you swO cash Corr ence or other items with your payment, it you send the payment to any other address or d you use an
envelope other than the one provided Payments received In four at our processing too* by 5PM local time on any day will be credited to yourAcceuni as of that day. Payments
reomW at our proomi g faclly after 5PM local fine wllTle c red Account as of be next day. If you have misplaced your envelope send your payment to Discover. PO Box
6103, Cad Stream. IL 60197-6103. Please allow 7-10 days for If you payment is returned unpad. we reserve the right to resubmit l as an electronic debit
You can pay your minimum payment or a greater amount rover Ce elepil one. and you can set up automatic payments Cal us at 1-800-347-2683 You wil reed this statement and your
bank account information. You must ensure far sufficient hrhds av in you bank accord, and al transactions must comply with U.S. law. You wig be asked to provide the fast
5 digits of you amount statement zip code. By entering Chosen your elecuono signature. you will be agreeing to Curs authorization to allow us and your bank to deduct each
payment you authorize from your bank account. and to irtitirte or t entries to you bank account, as applicable, to correct an eror in to processing of such payment. You mast
tell us Its annul of each payment, or you can select an amotrht the Minimum Payment Due or the New Balance on each statement You can cancel a payment however we
must receive notice at least tutee business days in advanc! of ?h d payment You may ratify us by plane at 1800-347-2683 or by mail at the address listed in the previous
paragraph. 0 your payments may vary in amount we vii Id you monthly statement when you payment will be made and how much it will be Your Automatic payment amount
may be less Con indicated on the monthly statement base/ on or payments applied doing the billing cycle
Credit Reporting. We may report nformation abed your ammunt I 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 you t to credit repo6rg agencies each month K you believe that our report is inaccurate or incomplete, please write
us at Cue following address: Discover. PO Box 15316, Wilnfi gion, 1 50-5316. Please include your name, address, home telephone number and Account number.
PERIODIC FRANCE CHARGES. Perbdic Finance Charges are on aft Vansedtons from the date the transaction is posted to your Account until the date you pay you entire
New Balance, by making payments or receiving credits. However, you d the New Balance on you previous biting statement by the Payment Due Dale shown on that statement, and
you pay the New Balance by the Payment Due Date on yopr bill statement, we will not impose Periodic France Charges on new purchases, fiat is, purchases first appearing
on the current statement. We cal Cos the grace perod. Odleraise you I receive a billing statement next month that includes Periodic Finance Charges on those new purchases. There
is no grace perod on balance transfers or cash advances. I
We sort you transactions into groups of purchases, cash aW balance transfers and then further sot the transactions within each grail by Cole Annual Percentage Rate. For
example. purchases su led to a promotional rate and purchases to a standard rate would be separate grails We refer to t rase groups as transaction categories. At the end of
each billing period, we compute balances and Periodic Finance r 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: /Werage y ante x number of days in the billing period x Dairy Periodic Rate_ (You may refer to the firraroe charge
summary an you billing statement for dose amounts ) Then we up Periodic Finance Charges for each transaction category to get the total Penodic Finance Charges for your
Account. The Average Dally Balance is shown as zero C '
.
grace period, no Periodic Finance Charges apply to the balance in a tramactbn category
We use the Average Daly Balance (ncludirng new trahsacforhs) f calculating the balance upon which we impose Periodic Finance Charges. We corrgnule the Average Daily
Balance for each transaction categoy by adding up al Ifredaily, in a billing period for a transaction category and drvidmg the total by the number of days in the billing cycle 'Ne
compute the defy balance for each transaction category op each y b fast adding to foloweg to the preen us day s daily balance: transactions made that day, fees charged that day
and Periodic Finance Charges accrued on the previous dad's dai bar and by then subtracting any credits and payments that are applied against the balance of the transaction
'
'
category on tat day. In calculating to daily balance for #* fist of s balance
to have been your balance for each transaction
billing period we consider the 'previous day
category on to lest day of your previous billing period- If aitr posted to your Account after the dose of the tilting petood in which t occurs. we will treat the transaction as hav-
ing occurred an the first day of the billing period in whim it is to y ur Amount
dtargyr A writ are added to tle sfada4
Al action category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the
N
a h transadan category and Balance T Tr tr
l on Fee Finances Chagas which ore added to the applicable balance transfer transaction category. When
a special balance trarhsfer rate expires, we move the ur"M be of balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase
transaction category However, it to special fate has beenter
the Defer It Rate Plan. we leave the unpaid balance of the balance transfer and to Balance Transfer Trans-
?def
action Fee Finance Charges in the applicable transaction unti kne special rate would have expired.
For TOO (Telecommunications Device for the Deaf) Ple all 1-600-347-7449.
ac
Dcscova may monitor andlo record telephone cats between you er representatives for quality assurance purposes.
Baw
The Discover' card is issued by Discover Bank, Member MC
OITBK170
DISCOVER New Balance 1 Minimum Payment Due Account Number ending in 4604
$8,922.10 $226.00 Enter Amount Enclosed Below
Payment Due Date
May 28, 2009 Please make check payable to Discover Card or
pay online 0 Discovercard.com.
02 SDSN6A01 0018547
FRED HARRISON Tired of buying stamps? Go mobile! le! Make
payments from your phone with the Discover
237 SOUTHSIDE DR app. its fast and its free. Download today at
NEWVILLE PA 17241-8950 http:1twww.discover.com/apps
PO BOX 71084 ?I?rrr??ur??nur?r??rr?r
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space (r?((?n(rrr?r?Irn?lrrlr(?rr)I)?rrn(rr)nr?nr)(rr)?h)? lr)rr()
oboe, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458660225513089221000175000022600
Discover Motiva Card Account Summary
Closing Date: May 2, 2009 page 1 of 1
Account number ending in 4604 Previous Balance $8,684.14
Payment Due Date May 28, 2009 Payments And Credits 175.00
Minimum Payment Due $226.00 Purchases + 241.25
Credit Limit $9,000.00 Cash Advances + 0.00
Credit Available $77.00 Balance Transfers + 0.00
Cash Credit Limit 300.00
$2 Finance s + 171.71
Cash Credit Available ,
$77.00 -
New Balance - = $8,922.10
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Coshback Bonuse Opening Cashbock Bonus Balance $ 97.28
New Cashbock Bonus This Period + 0.50
Redeemed This Period 80.00
Cashbock Bonus® Since Anniversary Month Cashbadc Bonus Balance $ 17.78
August: $143.58
Pay-On-Time Bonus(SM) Update: 2 on-time
payments have been received. Just make 4
more on-time payments in a row to earn a
Pay-On,-Time Bonus!
1 Visit Discover com to pay your bil for no cost, view your
How Can We Help You? . kited Account information, earn and redeem rewards and more
It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for Fast, easy self-service
options or to speak with a Customer Service Account Manager
Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943,
For TDD (assistance For hearing impaired) see reverse side Soh Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Date Date
Payments and Credits May 2 May 2 PAYMENT THANK YOU $ 175.00
Merchandise/Retail Apr 16 Apr 16 PRINCESS HOUSE TAUNTON MA 202.25
Other/Miscolaneous Apr 28 Apr 28 LATE FEE 39-Oa
54"9% 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: 30 days
Purchases $4107.39 0.05819% 21.24% V 21.24% $71.69 $0
Cash Advances $2335.31 0.08216% 29.99% V 29.99% $57.56 $0
Balance Transfers $2432.52 0.05819% 21.24% V 21.24% $42.46 $0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
Impahant infomwtim H time is more than one page to this billings ten L see the back of each page tor additional important information.
see your CardmemberAgreement. Your Caromember Agreement t aft the tees olyourAcoomiL
Lost or stden cards. Reped immediately! Cs81-860-347-2683.
Billing Rights Summary in Case of Errors or Questions About Your
sepaate sheet of paper at Disrpve(, PO Box 30421, Salt Lake CRy, Ai: If u thirds your big is wrong. or it you need more information about a transaction on your bill, write to us on a
841 -0421. as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on
which the eta or 14obiern appeared. You can ielep!nene us, but doiN so not preserve your dots. In your letter. give us the following information:
Y,)ur name and Account wtanber.
Tire dollar amourd of "a suspected error.
Desa be the error and explain. R you can. wiry you believe Ova is
e are'
hil
ti
em: . 0 you need more information, describe the Rem you are unsure about,
ou are still obligated to pay the pans of your bill that are not in question. While we investigate your
it
e w
on w
You do riot have to pry any amount in ques
question, we carenbt report you as deWnc6nanI or take any action to co y
amount you question.
S cal Rule for Credo Card Purahzses: If you have a problem
e t
1 One ly of goods or services that you purchased with a credit card, and you have tried in good faith to correct
You have this protection only when the purchase price was more than $50
anx nt due on the goods or services
ne r
o pay
th prebiem wth the rn udahul you may not hav
and the putdase was made n your hone stave or wilfiin 100 stiles .
wing address. (R we own or operate the merchant, or 4 we maiied you the advertisement for the goods or
_rxvices all purchases are covered ragardless of the amount or krca of rchase.)
-aymeMs. Send orgy your payment and the top portion of this sta
use information on your snack to make an electronic fund transfer t' the envelope provided. Do not send cash. By sending your check as described above, you authorize its to
you account at the financial institution indicated on your check or to process the payment as a dnedh transaction.
If payment is processed as an electronic ford transfer, die transfer
funds may be wimdrawn trar(n your account as soon as the same day be the amount of the check. When we use information from your check to make an electronic fund transfer,
your payment and you will not receive your check back from your financial institution.
The processing of you payinart may be delayed R you serd rash,
er
i
d in
ro
P intlence, or o0m Rens with your payment, if you sad the payment to any other address or if you use an
rocessing facility by Wild local time on any day will be credited to your Account as of that day. Payments
al our
ve
p
p
ayr rents rece
envelope other Lhm the are provided.
received at oa rioc --s?g fadi!y after 5Pr3 local time wit, ba credit p
Account as of 8+e next day . If yo, have misplaced your envelope. send your. payment to Discover. PO Box
51113, Cara. Stieem i'601'17-6103. Ficase arrow -.'-53 days br . If payment is returned unpaid: we reserve the right to resubmit it as an electronic debit.
You can pay your mnmdarr payment or a greater amount over the
You must ensure gal sufiwd funds are
coDun: iniorrnation
k
b and you can set up automatic payments. Call us at 1-800-347-2683. You will need this statement and your
in Mir bank account, and all transactions must comply with U.S. law. You will be asked to provide One first
.
an
a
5 digits of you( acvb x t statement ZIP code. By entering those
bit
i'iA d
d
i as ; electronic signakre, you will be agreeing to this authorization to allow us and your barge to deduct each
to cared an error in the processing of such payment. You must
as applicable
ou bag: account
entries to
e
n
to
patanent wri autF.rae from you bank aceaunl, an
tell us the amcernt of each payment or you can select an amrdrg ,
,
y
as Mnimum Payment Due or the New Balance on each statement You can cancel a payment. however we
must receive (am at land Three business days in advance of the s payrnht. You may notify us by phone at 1-800.347-2663 or by mad at the address listed in the previous
paragraph If your paymertb'xry in amount we w8 fall you on each statement when your payment will be made and how much it wig be. Your automatic payment amount may
be less ttar indicated on 9re monthly statement based o credits or yme is applied during the biting cycle.
Credit Reporting. We may repot infcr nation abou, your ncm nt ID
We nomaily report it* status; 4 payment bwstay of your
report ure- 5. Late payments, missed payments. or other defaults on your account may be reflected in your credit
t credo reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write
.
us at the following address. Discover. PO Box 15316.'VYiiminglign, 0 198 -.5316. Please indrde your name, address, home telephone number and Account number.
Grace Period on Puebases (at feast 25 days). We begin to'
unless a trams. acLon ld posted to you Account alter
hglwg statnifi nt Pe c France Charges on all transactions from the Transaction Date for the transaction as shown on you
of the billing period in wtwch R occurs. in which one we begin to impose Periodic Finance Charges on that
,
lfansactnr. from the Orel day of the billing period in whch r is pasted
uy mating pavroents or receiving credits. However, if you paid the Account. We continue to impose Periodic Finance Charges until die date you pay your entire New Balance,
Bat on your previous billing statement by the Payment Due Date shown on mat billing statement and you pay
*e nmv Balance oy his Paymeat Due Date on you wren! baling we v.4 not impose Periodic Finance Charges on new purchases, that is. purchases first appearing on the
wnent b0lim sIMemeg We call rws the "grace period.' There is no ce iod on balance transfers or rash advances.
Minimum Finance :taros. We wilt r-harge you a minimum ?IINANKC C GE of $50 for arty billing period in which periodic Finance Charges of less than $.50 would otherwise
be imposeA.
Annual Fee. If your Account has an annual fee, R will be billed at the
ou Will us
Violable unless
r
t
l f
i of each anniversary year your Account is open. The amount of the fee appears on the statement widen the
you ish to dose yaurAccont within 30 days of the malting or delivery date of the statement on which the fee is
y
c
s
io
ee
tee is bitted. The annua
bulled You will receive this refund even if you use your Card during per A.
Fer odic Finance Charges. We sum your tans;4rt . into groups
F ,
jo, a :jeU 1u a
i E
-
i purct s. cash a&m -es. and balance transfers and then Whet son the transactions within each group by
iN - gal.a:e and pew arses subject :o a standard rate would be separate groups. We refer to these grasps as
4
,
? P
o
1, n :r .u A: w
dansa(5rr? v egaties. At ae e. di of each billing period, we compute an. and Periodic Finance Charges for each day of the billing period for each transaction category We use the
fulfewiig equation, o carreute Periodic Finance Charges for each cdOn category:
iAVerage Daily Balance) times Ways in biting period) Imes (Daily P is Rate).
{You say fefer to the Gaon charge summary on your billing spa
Period,. F maxim Charges for yourAaount. The Average Di* Bin l4these amounts.) Then we add up the Periodic Finance Charges bon each transaction category to get the total
is avn as zero if, because of the grace period, no Periodic Finance Charges apply to the balance in a
da^ ac
9VM74
We use the Average Daily Banana (including new transactions) me
il
ll
h
d
of alcalating the balance upon which we Impose Periodic Finance Charges. We compute the Average Daily
eriod for a transaction category and dividing the total by the number of days in the billing period.
a billin
t
e
a
y
Baance for each transecoort category by adding up a
VVe compute the daily balance for each transaction category an
i g p
first ad6rg the following to the previous days daily balance: transactions with a Transaction Date of that
t after the dose of the billing period in which it occurs. in which case the transaction will be added
r A
s po
day as sh o n on your Wing statement, unless it* transaction
to Oy daey balance as of the first day of the billing period in which 9' ccoun
to fou
to your Account fees changed that day and Periodic Finance Charges accrued on the previous day's daily post 4
balance; and by then subtracting any credits and paymens that as
b
l
" t
d
d
il
'
* 'i : against the balance of the transaction category on that day. In calculating the daily balance for the first day of
our balance for each transaction cam" on the last day of your previous billing peiod.
n
a
y
a
ance
o
s
previous
ay
the bib g period, we consider the y
Ali fees charged to your Assault are added to the standard rondos
f
T trans ion category wdh the exception of Cash Advance Transaction Fee Finance Charges which are added b the
n Fee Finance Charges which are added to the applicable balance transfer transaction category. When
ti
er
rans
appljc bia cash advance tramai.unn category and Balance
we rove the unpaid balance rd me balance
the sperxai rate expids c
o
and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category.
,
However. R tine speda raw Pas been terminated under g he CkFault a 'an, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Fiance
Charges it the apa cable be vy-- transfer transaction coteM ugh rate would have expired.
For TDD Res Device for the Deaf, assistance, call t400.347-7449.
Discover may monitor andior a cud telephone gigs between you ver representatives for quaky assurance purposes.
The Discover' card is issued by Discover Bank. Member FDIC. OlTBK171
Now Balance Minimum Payment Due Account Number ending in 4604
$8,892.84 1 $195.00 Enter Amount Enclosed Below
DISCOVER
Payment Due Date $ r?
June 27, 2009 Please make check payable to Discover Card or
pay online 0 Discovercard.com.
02 SDSNBAOI 0018548
FRED HARRISON Tired of buying stamps? Go mobile! Make
payments from your phone e with the Discover
237 SOUTHSIDE DR app. It's fast and it's free. DownWd today at
NEWVILLE PA 17241-8950 http:/Avww.discover.com/apps
PO BOX 71084 1Ilrrmill rellrrrrl1rllrr111
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space Ir) Ilr ( ) I)rul rl?l n?)(?r?i?ir?r?)ir))?i)i?)??I?lul)
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458660225513088928400230000019500
Discover Motiva Card Account Summary
Closing Date: June 2, 2009 page 1 of 1
Account number ending in 4604 Previous Balance $8,922.10
Payment Due Date June 27 2009 Payments And Credits 230.00
Minimum Payment Due $195.00 Purchases + 21.00
Credit Limit $9,000.00 Cash Advances + 0.00
Credit Available $107.00 Balance Transfers + 0.00
Cash Credit Limit 300.00
$2 droryes
Finance + 179.74
Cash Credit Available ,
$107.00 _
New Balance = $8,892.84
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Cashback Bonuse Opening Cashback Bonus Balance $ 17.78
New Cashback Bonus This Period + 0.05
Cashback Bonus Balance $ 17.83
Cashback Bonus® Since Anniversary Month
August: $143.63
You're halfway there. Just make 3 more
on-time payments in a row and you'll earn a
Pay-On-Time Bonus(SM).
.?
How Can We Help You? 1 Visit Discover com to pay your bill for no cost view ur
latest Account information, earn and redeem rewardsoand more
s to hel
It's
our choice - 3 wa 2. Call 1-800•DISCOVER (347-2683) For fast, easy self-service
p
y
y 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 Sok Fake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Date Date
Payments and Credits May 28 May 28 PAYMEN T THANK YOU $ -230.00
Merchandise/Retail May 13 May 13 THE SENTINEL CARLISLE PA 21.00
h'?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 $4323.41 0.05819% 21.24% V 21.24% $77.98 $0
Cash Advances $2394.55 0.08216% 29.99% V 29.99% $60.99 $0
Balance Transfers $2260.78 0.05819% 21.24% V 21.24% $40.77 s0
The rates that apply to your Account are either fixed (F) or they may vary M as noted above.
knpMaA trhlorrrurlion. t there ci more tlan inns page to std t. see the bad of each page for additional important information.
v
See your Cardmember Agreement. Your Cardmember (coc s all the terms of your Account co
Z
m
Lost or sblen cards. Report immediately! Cull 1-H00-347 D
0
Billing RiplMs Summary. In Case of Erras or Ouestions Y Bit If you think your bill is wrong, or if you need more information about a transaction on your bill, write to us on a o
separate sheet of pier at Discover, PO Beau 30421, Salt Ctf
UT 1
4130-0421. as soar as possible. We must hear from you no later than 60 days after we sent you the fist bit on °
which the error or problem appeared. You can telephone , but will not preserve your rights. In your letter, give us the following information:
'
Your nerve and Achim number. w
The dollar amount of the suspected error.
Describe the errs and explain, if you can. wiry you bell'
there
an
. If you need more information, describe the item you are arsuie about.
You do not have to pay arty amour Yh question whale we but you are still obligated to pay the pads of your ell that are not in question. While we investigate your
question. we canto report you as deinquerd or take any to the amount you question.
Special Rule for Credit Card Purchases: 111 you have a quality of goods or services that you purchased with a credit card, and you have tried in good faith b correct
the problem with the merchan L you may not have to pay oust due on the goods or services- You have this pm eddn only when the purchase price was more than $50
and the pudmae was made in your home state or within 1 d y, it maing address. (it we own or operate the merchant, or O we mailed you the advertisement for the gads or
services, all purchases are covered regardless d th or d purchase.)
Payments. Said only your paymea and the by portion of in the envelope provided. Do not send cash. By sending you check as described above, you authorize is to
use infmnatiar an your c hedr to make an dedranic fund account at the financial institution iidicaled on your check or to process the payment as a check fansaclun.
If payment is processed as an electronic fond transfer, the for the amount of the check. When we use information from your check to make an electronic turd transfer,
funds may be withdraw from your account as soon as the receive your payment. and you will not receive your check back from your financial institution.
The processing d your payment may be delayed t you iporidence or other items with your payment, it you send the payment to any other address or if you use an
envelope offer than the one provided. Payments received at our processing facility by SPM local tine on any day will be credited to your Acoount as of that day. Payments
received at our processing facility affair 5PM local lime will your Accou t as of the next day If you have misplaced your envelope, send your payment to Discover, PO Box
6103, Card, Stream, IL 60197.6103. Please allow 7-10 for . If you payment is relined unpaid, we reserve the right to resubmit it as an electroic debit.
um
You can pay your nininum payment or a g
bank accou t milwnaran. You must en and you ran set tp autom alc payments. Cal us at 1-800-347-2683. You will need this statement and your
ble n your bank account, and dl trarsactio ins must comply with U.S. law. You will be asked to provide the lust
g
5 dges of you accord statementLP By your electronic signature, you wig be agreeing to this authorization to allow us and you bank b deduct each
payment you audnoume from you bank acmurht or entries to you bank account as applicable, to cared an error it the processing of such payment. You must
tell us the arnomt of each payment or you can select an the Minimum Payment Due or the New Balance on each statement. You can cancel a payment: however we
must receive notice at least three business days in of led payment You may notify us by phone at 1-800-347-26113 or by mail at the address listed in the previous
paragraph. I your payments vary in amount we will (ell on statement when your payment wit be made and how much t will be. Your automatic payment amount may
be less than indcaWd on the montgy statement based on pa cents applied during the billing cycle.
Credit Reporting. We may repot nformatian a6odn you bureaus. Late payments, missed payments, or other delaults on your account may be reflected in you credit
report. oils normally report the status and payrhrnl h story you t to credit reporting agencies each month- If you believe that our report is inaccurate or incomplete, please write
us attire Wori g address: Discover. PO Be. 15316, W 1 50-5316. Please include your name, address, lame telephone number and Account number.
Grace Period on Purchases (at least 25 days). We b' riodic Fiance Charges on all transactions from the Transaction Date for the transaction as shown on your
billing statement, unless a transaction is posted to YW dose of the billing period in which t occurs, in which case we begin to impose Periodic Finance Charges on that
transaction from the first day of the biting period in r4hich' b Account. We continue to impose periodic Finance Charges until the date you pay your entire New Balance,
by mating payments or receiving credits. However, it you rice on your previous billing statement by the Payment Due Date shown on that blbg statement and you pay
the New Balance by the Payment Due Date on yak ccer I, we wit not repose Periodic Finance Charges on new purchases, that is, purchases first appearing on the
current billing statement. We cal dus the grace period:' is period on balance transfers or cash advances.
Minimum Finance Charge. We wig charge you a minmu FINA E ARGE of $.50 for any billing period in which Periodic Finance Charges of less than $.50 would of eiwise
be reposed.
Annual fee. t youurAc cant has an amdd fee, it will be at wing of each anniversary year your Account is open. The amount of the fee appears on the statement when the
tee is bled. The annual fee is nor refundable unless you us wish to dose your Account within 30 days of the mailing or delivery dale of the statement on which the tee is
Weil. You wi receive this refuel even it you use you tlat .
Periods Flnarhp Charges. We sod your rarsactions' group of chases, rash advances, and balance transfers and Oren further sort the transactions within each group by
their Annual Percentage Rate. For example, purchases to pr 'anal rate and purchases subject to a standard fate would be separate groups. We refer to rhesus groups as
transaction cal egories. At the end of each bil rig period, CWP Le bur inces and Periodic Finance Charges fa each day of the bung period for each transaction category - We use the
fdlowng equator b compile Periodic Finance Charges each mm ton category:
(Average Dally Balancit) tines (days in bh%period) lim (Daily lob c Rate).
(You may efer to 6111, finance charge summary on your bit ig slat Tend or these amounts.) Then we add up the Periodic Finance Charges for each transaction category to get the total
Periods Finance Charges fr your Acom"- The Average
19466W shown as zero if, because of the grace period. no Periodic Finance Charges apply to the balance in a
We use ft Average Daily Balance (including new trarnsac ) calculating the balance upon which we repose Periodic Finance Charges. We compute the Average Day
Balance for each transaction category by adding up all the in a billing period for a transaction category and dividing the lotal by the number of days in the biting period.
V% compute the daily balance for each transaction p yone :h d by first adding the lollowing to the previous day's daily balance: transarcims with a Transacbm Date of that
day as Amen on you biting statemerht uahtess the ra it dtisla d b you Avant after the dose d the biig period in which it occurs, in which case the transaction will be added
'
ro the daily I>starhoe as of the frst day d the hibhg period is s daily
to your Amount, fees charged that day and Period k; Finance Chilies accrued on the previous day
balance: and by then subtracting any credos and pa that aga rest the balance of the transaction category on that fay. in calculating the daily balance for the fast day of
the hiirhg period, we consider the previous da1(s daily ha been your balance for each transaction category on the last day of your previous billing period.
AN fees charged to you Accent are added to the category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the
applicable cash advance transaction category and Bala T T Fee Finance Charges which are add to the applicable balance transfer transaction category Men
the special rate expires, we move Be unpaid balance of
However, i the special rate has been temhineted under tr and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category.
section, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee France
Charges in the applicable balance transfer transaction ca spacial rate would have expired.
For TOD (fdhxonmmieations Device for do Dean 6 pie me cad 1.600.347-7449.
Discover may monitor and/or record telephone calls be you aid E ver representatives for quality assurance purposes.
?.?nb,??? r _ OITBK171
DISCOVER
New Balance Minimum Payment Due Account Number ending in 4604
$8,866.13 $189.00 Enter Amount Enclosed Below
Payment Due Date $
July 28, 2009 Please make check payable to Discover Card or
pay online @ Discovercord.com.
02 SDSN6A01 0018549
FRED HARRISON
237 SOUTHSIDE DR
NEWVILLE PA 17241-8950
Tired of buying stamps? Go mobile! Make
payments from your phone with the Discover
app. Irs fast and it's free. Download today at
http:/Avww-drscover.com/apps
PO BOX 71084 111"till Rallis III till till
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space Iu(,Il,rlrrrl011.111"1fill J1((11i(11(I II 11111.1101 111111111
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458660225513088661300200000018900
Discover Motiva Card Account Summary
Closing Date: July 2, 2009 page 1 of 1
Account number ending in 4604 Previous Balance $8,892.84
Payment Due Date July 28, 2009 Payments And Credits 200-00
Minimum Payment Due $189.00 Purchases + 0.00
Credit Limit $9,000.00 Cash Advances + 0.00
Credit Available $133.00 Balance Transfers + 0.00
Cash Credit Limit $2,300.00 Finance glas + 173.29
Cash Credit Available $133.00 New Balance = $8,866.13
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Cashback Bonuse Opening Cashback Bonus Balance $ 17.83
New Cashback Bonus This Period + 0.00
Cashback Bonus® Since Anniversary Month
August: $143.63
Pay-On-Time Bonus(SM) Update: 4 on-fime
payments have been received. Just make 2
more on-time payments in a row to earn a
Pay-On-Time Bonus!
Cashback Bonus Balance $ 17.83
.? 1 Visa Discover com to pay your bill for no cost, viewyour
How Can We Help You. latest Account informafion, earn and redeem rewards and more
It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service
options or to speak with a Customer Service Account Manager
Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943,
For TDD (assistance for hearing impaired) see reverse side Sah Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Date Date
Payments and Credits Jun 24 Jun 24 PAYMENT THANK YOU $ -200.00
§4yM 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: 30 days
Purchases $4407.67 0.05819% 21.24% V 21.24% $76.93 $0
Cash Advances $2455.29 0.08216% 29.99% V 29.99% $60.52 $0
Balance Transfers $2053.71 0.05819% 21.24% V 21.24% $35.84 $0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
important Information. If there is more than one page to tale 1, see the back of each page for additional important information.
See your Cardmember Agreement. Your Cwdmember Ins all the terms of your Account.
Lost or stolen earth,. Relaxt i mediatey! Cat 1-000.347•
Billing Rtets Summary. In Case of Errors or Questions
ft 'Ctt
30421
S
P
B BR:
T you think your bit is wrong, or it you need more information abort a transaction on your bill, write to us on a
as soon as possible. We must hear from you no later than 60 days after we sent you the fast bill on
30-0421
y.
,
a
ox
O
sep.taie sheet of paper al lhsruver,
wide` the error or problem a>:psared. You can telephone us. so ,
' nil preserve your rights. In your letter. give us the following information:
YwrnameandAccount:,L;iri,eT. j
The drAW amount of the suspected error.
it you can, why you believe
Describe the ena: and explain
. If you need more information, describe the tent you are unsure about.
.
You do not have to pay any amwd in question while we _ but you are still obligated to pay the pans of your bill that are not in question. While we investigate your
question. via cannot rattail you as delinquent or take any !o anwort you question.
Spot Rule for Credit Card Purchases: If you have a
t She
at 4ua*y of goods or services that you purdwsed with a credit card, and you have tried in good faith to correct
You have this protection only when dhe purchase price was more than $50
"A due on the goods or services
he
the pnatem with tee merchant. you may not have to pay
and the purchase was made in your (rune stale or within lof mils yoL .
mailing address. (t we own or operate the merchant, or if we maiied you the advertisement for the goods or
rArrices, all purchases are covered regardless of the am or purchase-)
PayFmnls. Sand ashy your payment and the top portion of sla . fine envelope provided. Do not send cash. By sending your check as described above, you authorize us to
d at the financial institution indicated on your check or to process the payment as a check transaction.
u
use. P. dormaton an your dhenlh to make an electri fund t?
If payment is processed es an electronic fund transfer. the be acco
r
the amount of the check. When we use information tram your check to make an electronic fund transfer,
i
funds may be wilthdraem from your account as soon as the we tution.
.eive your payment, and you wit nor receive your check back ham your financial inst
The processing of you payrnsrtl may be delayed tyou send cast, dente or other hems with your payment, if you send the payment to any other address or if you use an
e?velrz Mher than the one provided Payments teceruei W 1 our processing Why by 5PM local time on any day Mt be credited to your Account as of that day. Payments
mocived at our pm cestOig ha lily after SPM local time wG?'?r c
* for
7
10 d
ll
'
` to it Accent as of The next day. If you have misplaced your envelope, send your payment to Discover, PO Box
we reserve tee right to resubmit it as an electrode debit.
ayment is returned unpaid
our
t
a
ow
-
i-6103. Please a
Stream, IL SOtg
6103, Cara, ,
p
y
You can pay your minimum paynhert or a greater amount or(er the
f
l
t Wit . and you can set up automatic payments. Call us at 1-600.347.266 You will need this statement am your
and ad transactions must comply wdh U.S. law. You will be asked to provide the first
in your bank account
ic
en
bard: account information- You must enswe that stil
5 digps o( your account statement ZIP code. By entering it* ,
your electronic signature. you wit be agreeing to this authorization to allow us and your bank to deduct each
payment you authorize from your bank account. and to imaara dabi
tell us the amount of each payment or you can selec an
as d entries to you( bank account as applicable, to caned an error in the processing of such payment. You must
Minimum Payment Lure or the New Balance on each statement. You can cancel a payment: however we
mt_t receive notice at least three husinees days in advanced the payment. You may ndify us by phone at i-800-347-2683 or by mat at the address listed in the previous
pare-raph. t your payments vary it it, round, we wdi tell you an statement when your payment will be made and how much it will be. Your automatic payment amount may
be less ton indicated on th6 mkoihthly slatenhenb based an ! pa s applied dung the billing cycle.
Credit Reporting. the m'ey repot information about ytyrr aQcarm
hi
t bureaus. Late payments. missed payments, or other defauts on your account may be reflected in your credit
to credt reporting agencies each month. If you believe that our report is kaccurate OF incomplete, please write
ory yaw
s
rwrA We n-in naffy repot the staters and payment
us at tie fa lowing rddress: Di cover, PO Box 15316, Wilco }ngbn, 1 -5316. Please include your name, address, home telephone number and Account number.
Grace Period on Purchases (at least 25 days). We beginho" Fiance Charges on all transactions from the Transaction Date for the transaction as shown on your
CdTlmg :dateement, unless a transadhon is posted to yi alt
h the
t lose of the biding period in which it occurs, in which case we begin to impose Periodic Finance Charges on that
nt We continue to impose Periodic France Charges until the date you pay your entire New Balance,
r Acco
it
transi ia! from the first clay oi billing period in whic
by making payments or m caving credits. However. t yo: floe o
w u
on your previous biting statement by the Payment Due Date shown on dial bong slalenent and you pay
tie New Balentm by ire payment Due Date on your c bifrrg ton t we oil riot impose Periodic Finance Charges on new purchases, that is. purchases first appearing on the
crhnent billing statemhent We cat tl5 the "grace periled.' Tlhi pencil. on bafamce transfers or cash advances.
Minimum Finance F.t.zrge. We v.TI charge you a minim AFIN E C idtGE of $_50 kx any billing period in which Periodic Finance Charges of less than $.50 would otherwise
be inposed. i
It your Account has at. annual fee. it wit ce all
Annual Fee
be
any of each anniversary year your Account is open. The amount of the fee appears on the statement when the
.
fee is billed. The annual fee is rot refundable unless you us wish b dose your Account widiin 30 days of the malting or delivery date of the statement an which the fee is
him. You wily receive is refund even t you use you rzrrhg d.
Periodic France Charges. We sort 11131" r . ice
: to
.r
:
. e
n
a
r<
P
pr , cash advances, and balance transfers and then lather son the transactions v»thin each group by
hat rate and purchases subject to a standard rate would be separate groups. We refer to these groups as
f
,
e
yJ
gr
:re, : sou
crcenl
Heir iV u oaf
iransaUlorh ca:egrries. At the end of each biding period, we bat and Periodic Finance Charges for each day of the biding period for each transaction category. Vie use the
folk"Ag equation tocoinpute PerpdiC Finance Charges each tion category:
(Average Dail, Balancer Imes (days in billing period) Imes a+y Rate)
iYOI may refer to the frame charge summary on your b these amounts-) Then we add up the Periodic Fiance Charges for each transaction category to get the total
Periodic France Charges for your Account. The Average ir - shown as zero t, because of the grace period. no Periodic Fiiance Charges apply to the balance in a
trals
e asear the Average Uaay Balanc?e lncludi g chew tran )
if caladabg the balance upon which we impose Periodic France Charges. We eomfwle the Average Daly
Oala ce for each traasac ho : category by adding W a9 dine
saction an
f
c
t
l in a billing period for a transaction category and div dog the total by the nurser of days in the billing period.
by first adding the following to the previous day's daffy balance: transactions with a Transaction Date of that
ran
ance
or ea
h
We compute the ddty ba
Jay as shoarh on you bi!irg statement tintless the it is your Account after the close of the billing period in which a o=rs. in which case the transaction wig be added
'
to the dally balance as of line first day of the biting period' which
the
d s fir
a s daily
Oed to your Aocout. fees charged #0 day and Perirdic Finance Charges accrued on the previan day
ainst ire balance of the transaction category on that day. In calculating the daffy balance for the fist day of
ad a
a
poyme
balance; and by then subtracting any credits an
the biding period, we consider the'previous days dairy pp g
your balance for each transaction category on the last day of your previous biding period.
Ad fees durged to you Aaxhunt are added to the stand tr category with the exception of Cash Advance Transectiah Fee Finance Charges which are added a the
applxabkh ash advarce tmhsai category and T T Fee Finance Charges which are added to the applicable balance transfer transaction category. Whhoh
me special rate expires, ae move the uryhaid balance of
However, If the special rate has been terminated under the and the Balance Transfer Transaction Fee Fiance Charges to the standard purchase transaction category.
we leave the unpaid balance of the balance transfer and me Balance Transfer Transaction Fee Fiance
Charges in the applicable balance transfer transacton the rate would have expired.
For TDD {rel-amovi rk:aNans Device for the Deal) call 1404347.7449.
Disaher may nnrdthx ardfor record telephone cads be you representatives for quality assurance purposes.
t jiswvu' card is issued by Discover Bank, Member tC. OITBK171
New Balance
DISCOVER $8.4.92
02 S0SN8A01 0018550
FRED HARRISON
237 SOUTHSIDE DR
NEWVILLE PA 17241-8950
Minimum Payment Due Account Number ending in 4604
194,00
L$ Ender Amount Enclosed Below
---
Payment Due Date
$
August 28, 2009 Please moke check payable to Discover Card or
pay online (? Discovercard.com.
Tired of buying stamps? Go mobile! Make
payments from your phone with the Discover
app. It's fast and it's free. Download today at
http:/Mww.discover.com/apps
PO BOX 71084 111 11111111 11 hill rl rl it l rl
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space I I III ?? )III rl (I )I(Ir rl??lrtl'?Ilrrl??)??I?Ipill
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458660225513088449200200000019400
Discover Motiva Card Account Summary
Closing Date: August 2, 2009 page 1 of 1
Account number ending in 4604 Previous Balance $8,866.13
Payment Due Date August 28, 2009 Payments And Credits 200.00
Minimum Payment Due $194.00 Purchases + 0.00
Credit Limit $9,000.00 Cash Advances + 0.00
Credit Available $155.00 Balance Transfers + 0.00
Cash Credit Limit $2,300.00 Finance Cha!es_-_ + _ 178.79
Cash Credit Available $155.00 New Balance = $8,844.92
You may be able to avoid Periodic Finance Charges, see the
reverse side For details.
Cashback Bonuse Opening Cashback Bonus Balance $ 17.83
New Cashback Bonus This Period + 0.00
Cashback Bonus Balance $ 17.83
Cashback-Bonus®Since Anniversary Month
August: $143.63
1 on-time payment to go! Make at least your
Minimum Payment Due by the Payment Due
Date and earn your next month's interest as a
Pay-On-Time Bonus(SM).
.?
How Can We Help You? 1 Visit Discover corn to pay your bill for no cost view our
latest Account information, earn and redeem rewards and more
It's your choice - 3 ways to help 2. Call 1-8004NSCOVER (347-2683) for fast, easy self-service
options or to speak with a Customer Service Account Manager
Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943,
For TDD (assistance For hearing impaired) see reverse side Salt Lake City, UT 84130
Transactions $O Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Date Date
Payments and Credits Jul 22 Jul 22 PAYMENT THANK YOU $ -200.00
J4"in 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 $4486.55 0.05819% 21.24% V 21.24% $80.92 $0
Cash Advances $2517.57 0.08216% 29.99% V 29.99% $64.12 $0
Balance Transfers $1871.20 0.05819% 21.24% V 21.24% $33.75 $0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted alcove
Important Information. If there is more than one page to tls bills, I slat
each page for addit oral important information.
iment, see the bad of
N
O
See your Cardmember Agreement Your Cardmember +- t con s all the terms of your Account. rn
z
m
Lost or stolen cards. Report immediately! Call 14MO.347 683. o
ailing Rights Summary. In Case of Errors or guest cns If you think your big is wrong, or if you need more information about a transaction on your bill, write to us on a o
separate sheet of paper at Discover, PO Box 30421, Salt LOW Cit UT 1 4130-0421. as soon as possible. We must hear front you no later than 60 days after we sent you the first bill on °
0.
which the wor or problem appeared. You can telephone but will riot preserve your rights. In your letter. give us the togowing information:
Your new and Account number. I o
The dollar amount of the suspected enor.
Describe to error and explain, t you can, wiry you bege
tlhere
an
. N you need more inormafion. describe the item you are unsure about
You do not hews to pay any amount in question whale we but you are still obligated to pay the parts of your till that are not in question. Wide we investigate your
question. we cannot report you as delinquent or take any b the amount you question.
Special Rule for Credit Card Purchases: If you have a quality of goods or services that you purchased with a credit card, and you have tried in good lath to correct
i
the pmblern with tie merchant, you may not have to pay tlr ? s protection only when the purchase price was more mean SW
due on the goods or services. You have th
and the purchase was made in your horse stale or within 1 d mAng address. (t we own or operate the merchant, or 4 we mailed you the advertisement for the goods or
services. all purchases are covered regardless of the annut rht ON d purchase.)
Payments. Send only you payment and the top potion d in the envelope provided. Do not send cash. By sending your deck as described above, you authorize us to
use information an your deck to make an electronic krd account at the financial institution indipted on your check or to process the payment as a check transaction.
t payment is processed as an dectiorve fund transfer, tie for the amount of the check. When we use information from your check to make an eledraac fund transfer,
fads may be withdrawn from your account as soon as tthel san receive your payment. and you will not receive you deck back from you financial institution.
The processing of your payment may be delayed I you ce or other items with you payment, if you send the payment to any other address or t you use an
i
envelope other than the one provided. Paymen s received ted to your Account as of that day. Payments
at our processing facility by 5PM local tine on any day will be cred
received at our processing facility after 5PM local time will yourAocarm as of the next day. If you have misplaced you envelope,_"yourpayment to Discover, PO Box
6103, Card, Stream IL 60197-6103. Please allow 7-10 dy s for If your payment is retuned unpaid, we reserve the right to resubmit it as an electronic debit.
You can pay your minimum payment or a greater amount
baulk account iniamatah. You must ensue that sufficient ? der
rhds and you can set up automatic payments. Call us at 1-800-347-2683. You will need this statement and your
in your bank accent, aid all transactions rust comply with U.S. law. You will be asked to provide the first
5 dggs of your account statement ZIP code. By entering a pse s your electronic signature. you will be agreeing to this authorization to allow us and you bark to deduct each
payment you aut ortre from you bank acoownt. and to or entries to your bank account, as applicable. to craned an error in the processing of such payment You must
Id us the aneunt Beach payment or you can select an the lAninum Payment Due or the New Balance on each statement. You can cancel a payment. however we
must receive notice at least three business days in advanc e of payment. You may notify us by phone at 1-800-347-2683 or by mad at the address listed in the previous
paragraph, 0 you payments vary in amount we will tell on statement when your payment will be made and how much i will be. You automatic payment amount may
be less than indicated on the morhtdy stalemem based on applied during the billing cycle.
CmcM Reporting. We may report nfwmatiun about yen bureaus. Late payments, missed payments. or other defaults on you account may be reflected in you credit
report. We normally report the status and payment history your t to credit reporting agencies each month. If you believe that our repot is inaccurate or nco mpiete, please write
us at the following address: Discover. PO Box 15316, 1 5316. Please include your name, address, home telephone number and Account number.
Grace Period on purchases (at least 25 days). We I ? Finance Charges on all transactions from the Transaction Date for the transaction as shown on your
biting statement, unless a transaction is posted to you dose of the billing period in which it occurs, in which case we begin to impose Periodic Finance Charges on that
transaction from the first day of tie billing period 'n which' Is b Account. We continue to impose Periodic Finance Charges until the date you pay you entire New Balance,
by making payments or receiving credits. However, if you New on you previous biting statement by to Payment Due Date shown an that lifting statement and you pay
the New Balance by the Payment Due Dale on you n1, we will not impose Periodic Finance Charges on new purchases, that is, purchases first appearing on the
current billing statement. We call this the -grace period. is period on balance transfers or cash advances.
Minimum Finance Charge. We wig charge you a minimum E GE of 550 for any billing period in which Periodic Finance Charges of less than $50 would otherwise
be "mod,
Annual Fee. t your Account has an annual lee, it will d ed at ing of each arrv+ersary year your Account is open. The amount of the tee appears on the statement when the
fee is billed. The annual fee is not refutlable unless you wish so dose your Account within 30 days of the mailing or delivery date of the statement on which the fee is
bAW. You will receive: this refund even 4 you use you that eriod.
Periodic Finance Charges We sod your transactions
t d chases, cash advances, and balance transfers and then further sod the transactions within each group by
urchases subject to a standard rate would be separate groins. We refer to these groups as
Ronal rate and
ones
theirAnnua Percentage Rare. For examplo, p n
transaction categories. At the end of each lig per ord. pic
h- p
ances and Periodic Finance Charges for each day of the biting period for each transaction category. We use the
leilowng equation b compute Periodic Finance Charges category:
(Average Daily Balance) times (days in billing period) ' ( Rate).
(You may refer to the irence Berge summary on your for tens amounts.) Then we add up the Penodc France Charges for each transaction category to get the total
Periodic Finance Charges for you Account. Thhe Average e here is shown as zero if, because of the grace period, no Periodic Finance Charges apply to the balance in a
We use On Average Daily Balance (ndudhng new Iran ) i eft of calculating the balance upon which we impose Periodic Finance Changes. We impute the Average Daily
Balance for each transaction cafegoryr by adding up all dntY ih a billing period for a transaction category and dividing the rota by the number of days in to billing period.
We compute the dally balance for each transaction ca an by flnsl addling the blowing to the previous day's daily balance: transactors with a Transaction Date of that
day as shown on you bitiig statement, unless the tr s b Account after the close of the billing period in which d occurs, in which case the transactim will be added
'
to the daily balance as o (the first day of the truing period 2i6 s dairy
b your Account fees charged that day and Periodic Finance Charges accrued on the previous day
balance; and by then subtradng arty credits and pa that agaiW the balance of the transadhad category on that day. In calculating tie daily balance for the first day of
the billing period, we consider the' previous day "s daily been you balance for each transaction category on the last day of you previous billing period.
All fees charged b yourAcaounl are added to the st category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the
applicable cash advance transaction category and T 7 Fee Finance Charges which are added to the applicable balance taanster transaction category. When
the special rate expires, we move the unpaid balanced and to 9alance Transfer Transaction Fee Finance Charges to the standard purchase transactor category
i
However, it the special rate has been termnaled under on Fee Finance
section, we leave to unpaid balance of the balance transfer and the Balance Transfer Transact
Charges in tie applicable balance transfer transaAOn special rate ward have expired.
For TDD (Telecommunications Device for the (leaf) cal 14800.347-7449.
Discover may mordor andfor record tetephhore calls be and representatives for quality assurance purposes.
The Discover` card is issued by Discover Bank, Member OITBK171
New Balance Minimum Payment Due; Account Number ending in 4604
DISCOVER $8,823.22 $194.00 J Enter Amount Enclosed Below
Payment Due Date $1 -?
September 27, 2009 Please make check payable to Discover Card or
pay online 0 Discovercard.com.
02 SDSN6A01 0018551
FRED HARR ISON Tired of buying stamps? Go mobile! Make
237 SOUTHSIDE DR payments from your phone with the Discover
app. It's fast and it's free. Download today at
NEWVILLE PA 17241-8950 http:/lwww.discover.com/apps
PO BOX 71084 fill riIIrrrfill MI IIIrrIr)
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print change in space {rrlrllulrrrl,)(rarlnlr)rrr{{{lrerlrr{rrlrr{{n)ir{u)r(u{{
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458660225513088232200200000019400
Discover Motiva Card Account Summary
Closing Date: September 2, 2009 page 1 of 1
Account number ending in 4604 Previous Balance $8
844.92
Payment Due Date September 27 2009 Payments And Credits ,
200
00
Minimum Payment Due $194.00 Purchases .
+ 000
Credit Limit $9,000.00 Cash Advances + 000
Credit Available $176.00 Balance Transfers + 0
00
Cash Credit Limit $2,300.00 Finance Charrges .
+ 17
8
30
Cash Credit Available $176.00 New Balance ------ _
.
-- $8,823.22
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Cashback Bonuse Opening Cashback Bonus Balance $ 17.83
New Cashbock Bonus This Period
Pay-On-Time Bonus + 178.30
Everywhere Else + 0.00
Cashbock Bonus® Since Anniversary Month
August: $178 30 Cashback Bonus Balance $ 196.13
CONGRATULATIONS! You earned $ 178.30
as a Pay-On-Time Bonus(SM). Visit
Discovercard.com or call 1-SMDISCOVER
(1-800.347-2683) to redeem your reward!
How Can We Hel You? I Visit Discovercom to pay your bill for no cost, view ovr
p latest Account information, earn and redeem rewards and more
It's your choice - 3 ways to help 2. Cab 1-800-DISCOVER (347-2683) for fast, easy self-service
Please have your Discover Card available. options or to speak with a Customer Service Account Manager
For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943,
Solt Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Date Date
Paymenh and Credits Aug 17 Aug 17 PAYMENT THANK YOU $ -200-00
?iIgyf Charge Summary
Average
Daily Nominal
ANNUAL
ANNUAL
Periodic Transaction
Fee
Daily
Balances Periodic
Rates PERCENTAGE
RATES PERCENTAGE
RATES FINANCE
CHARGES FINANCE
CHARGES
current billing period: 31 days
Purchases $4568.19 0.05819% 21.24% V 21.24% $82.39 $0
Cash Advances $2582.49 0.08216% 29.99% V 29.99% $65.78 $0
Balance Transfers $1670.97 0.05819% 21.24% V 21.24% $30.13 $0
The rates that apply to your Account are either fixed (F) or they may wry M as noted above
Important Information. Kthere is more than one page to this W M 1
See your CardmemberAgreenent. Your Cardmember Agreame t i
Lost or stolen cards. Report immediately! :all 1.800347.2683.
Bil'jng Righfs Summary. In Case of Errors or Ouestions Abet Your
separate street of paper at Discover, PO Box 30421, Saft Lake City, L
rdueb the error or problem appeared. You can telephone us, but don
Your name and Account member. I
free collar amount of the suspected Ara.
Cescrite the error and e, ;lain, it you can. why you believe dive is ;
You do not have to pay arty amount in question while ore are iareslig;
question, we camtot report you an delinquent or take any action In cd
Special Ride for Credit Card Purch.3ses: K you have a pn:bl/m will
the problem with the rnerdtanL you may not have to pay t:e rarhaitn
and the purchase was made in your taxhhe state or within 100 min ol
sereices. all purdases are covered regardless of the amound or loran
Payments. Send aa'y yore payment and the top portion of cis stale"
use information on yaw dbeck. to make an electronic fund transfer lea
It payment is processed a an e:enroric lend transfer, the transfer Vwdl
funds may be withdrawn from year account as soon as th- same day
The processing of your payment may to delayed 9 you send cash, oe
envelope other than it* one provided. Payments rec&ecl in proper k
received ut our puocessina fF6t• aUx :041 local tune wi.". credited
b 103. Carrui. Stream, It. 60197-5103, Please allow 1-10 days fir deny
You can pay your ma inu r, payrem or a greater amount over Ire tek
bank account information Yom m:at ensure that sutfic erit funds are ai
5 digts of your account staterr:ent ZIP code. By entering those nurnk
payntetl you authorize tar; your bank :c%ait. and to initialecleYt
left us the amount of each payrnera or you ;an select an amount suc
must receive notice at least ihree business days in advance tithe
paragraph. If your paymenas vary in amount, we will tell your on each
be less than indicated on the monthly statement based on credts or
Credit Reporting. We may report information about your accaxil to
report. We normally report the status and payment history of your
u i at the ia'lowirg address. Discover, PO Box 15316, Wilmitglah. D
Grace Period on Purchases (at least 2 i days). We begin to impos
billing stile-ment u tars a transaction i posted to your Account afte
trans-sOm from Me first day of ft bil r:q oeriod in which 0, is posted
by ntak:ne paymemsorreceivvng credits. However. 9 you paid the
`.he flew Balance by thou Payment D:e Date on your current billing st
ru ent tilling slatenternt" hit' oaf th s tbe'e race per cad. Thera is rho
Minimum Finance Charge- We will chage you a minimum RNANC
be imposed.
1, see the back of each page for additional important informaton.
all the terms of your Account.
)u think you bill is wrong, or d you need more information about a transaction on your bill, write to us on a
)4421. as soot as possible. We must hear from you no later than 60 days after we sent you the first bill on
not preserve your rights. In your letter. give us the following information:
If you need more information, describe the item you are unsure about.
I you are slid obligated to pay the parts of your bill that are riot in question. While we investigate your
amount you question.
qty of goods or services that you purchased with a credit card. and you have tried in good faith to correct
it due on the goods or services. You have this protection only when the purchase price was more than $50
Ming address. (If we awn or operate the merchant, or if we mailed you the advertisement for the goods or
envelope provided. Do not send cash. By sending your check as described above, you authorize us to
a'ecti nt at the financial institution indicated on your check or to process the payment as a check transaction.
ttz amount of the G1eCk. When we use information from your check to make an dectio is turd transfer.
ve your payment and you will not receive your check bade kom your financial institution.
dence or other items with you payment, if you send the payment to any otter address or it you use an
our processing fa Aty by 5PM local lime on any day will be credited to you Account as of that day. Payments
taccount as er! ere next day. If you have misplaced your envelope, send your payment to Discover, PO Box
yca:r payment is returned unpaid, we reserve Ore right to resubmit A as an electronic debit.
t, and you can setup automatic payments. Call us at 1-800-347-2683. You will need tis statement and your
e in your bank accent, and all transactions must comply with U.S. law You will be asked b provide the first
our electronic signature, you will be agreeirg to this authorization to allow us and yaw stank to deduct each
entries to your bank account. as applicable. to correct an error in the processing of such payment. You must
Minimum Payment Due or the New Balance on each statement. You can cancel a payment: however we
1 payment. You may notify us by plane at 1-800-347-2683 or by mail at the address listed in the previous
f statement when your payment will be made and how much il will be. Your automatic payment amount may
its applied during the billing cycle.
ureaus. Late payments, missed payments, or other defaults on you amount may be reflected in your credit
credit reporting agencies each month. If you believe that or report is inaccurate or incomplete, please wine
1-5316. Please include your name, address, home telephone number and Account number
& Finance Charges on all trnsaclions from the Transaction Date for the transaction as shown on your
se of the biding period in which it occurs, in which rase we begin to impose Periodic Finance Charges on that
Aamu nt. We continue to impose Periodic Finance Charges until the date you pay your entire New Balance,
noe on your previous billing statement by to Payment Due Date shmm on that biting statement and you pay
hie will not impose Periodic Finance Charges on new purchases, that is. purchases first appearing on the
mod on balance transfers or ash advances.
iGE of $.50 for any billing period in wtuch Periodic Finance Charges of less than $.50 would otherwise
Annual Fee. K yourActcwrd has an annui! fee. it will be billed at the i g of each anniversary year your Account is open. The amount of the fee appears on the statement when the
fee is t4red. The annual fee is not rerkhdable unless you roily to you 'sh to dose your Account within 30 days of the mating or delivery date of the statement on which the fee is
billed. You will receive bus rekrnd even if you use your Card during t per A.
Petirnfi; Fi :are Ch2aoer -Y. srnt :a:r'rroc>a. ^i,-:ns i1 : ins r nrrcf ; ;.cs. ash advances, and balance transfers and ten further sort fns transactions within each coup by
u e ,Qy f' C;,' ,.r ;a;e ano purchases subjeui to a sar.dard care would be separate gro ps. We refer to these group: ;s
iransa:;lxx, caleger es. At the end of ea;kt tunny period, we compute s and Periodic Finance Charges for each day of the hieing period for each transaction category. We use the
Vowing equation to compete Periodic Finance Charges for each category:
;Average Daily Balance) 6ntes (days in Warp period) limes (Deily Pell
(You may refer to tie franca charge summary of your billing sit f th ese amounts.) Then we add up the Periodic Finance Charges for each kansadion category to get the total
Pcriodw Finance ee Chafes ku your Account. The Average Dalj Ala is h own as zero K, because of the grace period, no Periodic Finance Charges apply to rte balance in a
vans
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h we impose Period
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f alarre for each transaction category by adding „p a" the daily bat a billing period for a transaction category and dividing the total by the number of days in the biding period.
Vre compute the d*balance kxeach transaction ca0gory tin ay first adding the fdtowing to the previous day's daily balance: transactions with a Transaction Date of that
day as shown or, you bilirg statement, unless the transacholh is . to Account after the dose of the biting period in which it occurs, in which case the transaction will be added
to ;he daily balance as of the fist day of the biig period in which it pus to your Account, tees charged that day and Periodic Finance Charges accrued on the previous day's daily
balama= and by f tin subt: ,ctu.g any ae.i;s and payer >ns cal all ti_ a gainst the balance of the transaction category on that day. In akulafir3 the daily balance for the first day of
the biing rerbd, we consider the'previc us dais daily balanW to h : n you balance for each transaction care" on the last day of you previous bulling period.
Pdl fern charged b yorAccoun, ais adder to the standard pu. tr - category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the
ry;pric,;tie cash advance h.rsacbw catopy and Balance Tfansler ran Fee Fiance Charges which are added to the appkcable balance transfer vansadtion category. When
the yw rate expilm, wa move the trnpaii balance cf the balance r and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category.
jr, ,,eever. "F. the special :-am has been terntinzed :nder the Dlfatt to , we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance
Ci>orges in the appeca* blare transtar transaction category until rate would have expired.
rnr TDD {Telecamtwmications Device fa ne Deaf) assistance, c at 1.8003477449.
f)Ln'CYF.Y may rixdt w andur reccxd I- xvne cats between you Disoriv er representatives for quality assurance purposes.
hie Liicover' card is issu;.•3 ay Discover Bank. Member FDIC. Ot TBK171
New Balance
DISCOVER $8,952.04
02 SDSN6A01 0018552
FRED HARRISON
237 SOUTHSIDE DR
NEWVILLE PA 17241-8950
Minimum Payment Due Account Number ending in 4604
$191.00 Enter Amount Enclosed Below
Payment Due Date $1
October 28, 2009 Please make check payable to Discover Card or
pay online 0 Discovercard.com.
Tired of buying stamps? Go mobile! Make
payments from your phone with the Discover
app. Irs fast and its free. Download today at
http://www.discover.com/apps
PO BOX 71084 Illnillnrllur,rlillnlil
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? Print 6ange in space Ir O?ulnrl,llu liilr?rn?lllurlnlnlnllnlulnlrlnll
above, or go to Discover.com Print your e-mml address to
receive important Account information and special offers.
000001986458660225513089520400195000019100
Discover Motiva Card Account Summary
Closing Date: October 2, 2009 page I of I
Account number ending in 4604 Previous Balance $8,823.22
Payment Due Date October 28, 2009 Payments And Credits 195.00
Minimum Payment Due $191.00 Purchases + 60.99
Credit limit $9,000.00 Cash Advances + 82.50
Credit Available $47.00 Balance Transfers + 0.00
Cash Credit limit $2,300.00 Finance Cha s + 180.33
Cash Credit Available $47.00 New Balance = $8,952.04
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Cashback Bonuse Opening Coshback Bonus Balance $ 196.13
New Cashback Bonus This Period + 0.15
Cashback Bonus Balance $ 196.28
Coshbock Bonus® Since Anniversary Month
August: $178.45
Pay-On-Time Bonus(SM) Update: 1 on-time
payment was received. Simply make 5 more
on-time payments in a row to earn a
Pay-On-Time Bonusl
How Can We Help You? 1 Visit Discover cam to pay your 69 for no cost, view your
P 1OU latest Account information, eam and redeem rewards and more
It's your choice - 3 ways to help 2. Call 1-8004DISCOVER (347-2683) for fast, easy self-service
options or to speak with a Customer Service Account Manager
Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943,
For TDD (assistance for hearing impaired) see reverse side Sak Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Dab Date
Payments and Credits Sep 26 Sep 26 PAYMENT THANK YOU $ 195.00
Merchandise/Retail Sep 18 Sep 18 STAN'S BEVERAGE CARLISLE PA 60.99
Cash Advances Sep 18 Sep 18 ORRSTOWN BANK CARLISLE PA 82.50
Sep 18 Sep 18 CASH ADVANCE TRANS FEE FINANCE CHARGE 5.00
J?MRoft 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: 30 days
Purchases $4680.57 0.05819% 21.24% V 21.24%
$81.69
$0
Cash Advances $2691.99 0.08216% 29.99% V 31.80% $66.35 $5.00
Balance Transfers $1563.75 0.05819% 21.24% V 21.24% $27.29 $0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
Need Cash? Whether it's for an unexpected bill, an emergency car repair or your kids' school activities, Discover(R) Card
can always help. Get cash at ATMs nationwide or have money deposited directly into your bank account. Visit
Discover.com/cash to find out more.
Important Wonnaion. If there is more than one page to iMis , see the back of each page for additional irpoiant information.
See your Cardimember Agreement Your Cardmember ns all the terms of your Account.
Lost or stolen cards. Report immediately! Ca01d100.347d613.
Billing Rights Summary. In Case of Enos or OuestlonsAWA If you think your bill is wrong, or t you need more intimation about a transaction on your bill, write to us on a
separate sheet of paper at Discover, PO Box 30421, Sall Lake Cib UT 130-0421. as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on
which the error or problem appeared. You can telephone us, bud di ing s4 i will not preserve your rights. In your letter. give us the hollowing information.
Your name and Account number.
The dollar ennoeit all Mee suspected error.
Describe the error ad explain, if you can. why you beGhm theme an nor. If you need more information, describe the item you are unsure about.
You do not have to pay any anawd in question wide we one' but you are still obligated to pay the pans of your big that are not in question. While we investigate your
question. we cannot report you as delinquent or take any adorn b the amount you question.
Special Rub for Credit Card Purchases: If you have a pmblan it ? quality of goods or services that you purchased with a credit card, and you have bred in good faith to coned
the problem with the merchant you may not have to pay the l 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 home state or within 100 d y nailing address. (If we own or operate the merchant or it we mailed you the advertisement for to goods or
services, all pudhasrs are covered regardless of to anhafnI or f purchase.)
Payments. Send a* your payment mid the top potion of ft in the envelope provided. Do not send cash By sending your check as described above, you authorize us to
use information onyour deck to make an electronic find Ilarmafer amount it the financial instilidion indicated on your check or to process the payment as a check transaction.
It payment is processed as an electronic fund banter, the Warvil l 1:4 for the amount of the check. When we use arformatiio from your check to make an electronic kind transfer
furls may be witdra i n from your account as soon as tesame ,
receive your payment and you will not receive your check back from your financial institution
The pracesserg of your payment may be detailed 6you send or offer items with you payment. if you send the payment to any other address or if you use an
envelope other than the one provided. Payments received th at our processing tartly by 5PM local done on any day will be credited to your Account as of that day. Payments
received at our processing facility after 5PM local lime will be to our Account as of the next day. t you have nesplaced your envelope, send your
pa
6103, Carl, Stream, IL 601976103. Pleam-A abw 7-10 dfar N t is retuned un
id, we reserve the not to resubmit g as an electronic debit.
You can pay your minimum payment or a greater amount over the and you can set up automatic payments. Cal us at 1-804347-2683. You will reed this statement and your
bank account inloninabon. You must ensure that sulkrierd lads in your bank account, and at transactions nxrst comply with U.S. law. You will be asked to provide de first
5 digits of your accou t statement ZIP code. By enredng those s your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each
payment you aulhame from your bank amount and to inOae of l ivies to your bank account, as applicable, o cared an error in the processing of such payment. You must
tell us the amount death payment or you an select an audrl ore Minimum Payment Due or the New Balance on each statement. You can cancel a payment. however we
must receive nodoe at Wast tree business days in advance title Aed payment You may notgy us by phone at i-804347-2683 or by mail at the address fisted in the previous
paragraph. If your payments vary in amount, we will tell you on statement when you payment wig be made and taw much it wiM be. Your automatic payment amount may
be less than indicated on the monthly statement based on aeditb pa is applied during the billing cycle.
CreM Reporting We may report information about you account cre it bureaus. Late payments, missed payments, or other defaults on your account may be retlocted in your credit
report. We normally report the status and payment history of you t to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write
us at the lollowag address' Discover. PO Box 15316, Wkrirhglan, 1 505316. Please include your name, address, tame telephone number and Account number.
Grace Period on Purchases (at feast 25 Mays). We begin b' P l i ance Charges on all transactions from the Transaction Date for the transaction as shown on your
biting statement unless a transaction is posted to you Ao=W dose of the billing period in which it occurs. in which rase we begin to impose Periodic Finance Charges on that
trauaction from the first day of the billing period in which It is o ur Amount. We mritihue to impose Periodic Finance Charges until the dale you pay your entire New Balance,
by making payments or receiving creels. However, i you paid the once on your previous billing statement by the Payment Due Date shown on that billing statement and you pay
the New Balance by to Payment Due Date on your afreal billing 1, we will not impose Periodic Finance Charges on new purchases, that is. purchases first appearing on the
current bong statement We call this the'grace period." There a period on balance transfers or cash advances.
Wni m um Finance Charge. We will charge you a m minim RGE of $,50 for any billing period in which Periodic Finance Charges of less than $.50 would otherwise
be imposed.
Annual Fee, If you Account has an annual fee, it will be billed at ' ning of each anniversary year your Account is open. The amount of the fee appears on the statement when the
fee is billed. The annual hoe is not refundable unless you milky in wish to dose your Account wifiin 30 days of the maifrg or delivery date of the statement on which the fee is
billed. You wig receive this refund even if you use your Cant
Periodic Finance Charges. We sod you transactions into
- see, ash advances, and balance transfers and then further sort the transactions within each group by
thevAnmal Percerdag , Rate. For example, purchases schist b denal rate and purchases subject to a standard rate would be separate groups. We refer to these groups as
transaction ca"wie6. At to end of each billing period, we and Periodic Finance Charges for each day of the bidkg period for each transaction category. We use the
blowing equation to compute Periodic Fiance Charges kr each category.,
(Average Daily Balance) times (days in bit" period) limes (Daly Rate).
(You may refer to the canoe charge summary on you bft these amounts.) Then we add up the Periodic Finance Charges for each transaction category to get the total
Periodic France Charges for your Accc ri The Average Daily shown as zero t, because of the grace period, no Periodic Finance Charges apply to the balance in a
tr-91'7"4
We use teAverap Daily Balance (including new lransakMt c alculating the balance upon which we impose Periodic Fnance Chars. We compute the
Average Dail
Balance for each transaction category by adding W at the dally in a billing period for a transaction category and
category dh'd^9 the coal by to number of days in the, bilging period.
We co pfe the daily balance for each transaction ategey on da by first adding the following to the previous day's daffy balance: transactions with a Transaction Date of that
day as shown on your billing statement, unless the trarnsacton is your Account after the close of the billing period in which it occurs, in which case the transaction will be added
o the daky balance as d the fast day d the biA nil period m vhhc h is to your Amount. fees ranged that day and Periodic Fiance Charges accrued on the previous day's daily
balance; and by then subtracting any credits and payments that against the balance of the transaction category on tat day, in calculating the daily balance for the fast day of
fora billing period. we consider the'previous days daily baW oe' you balance for each transaction category on the lag day of your previous billing period.
AM fees charged b you Account are added to the standad category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the
applicable cash advance transaction Category and Bala ante 7 Fee Finance Charges which are added to the applicable balance transfer transaction category. When
the special tale explores, vie move the unpaid balance of the, fer and the Balance Transfer Transaction Fee Finance Charges to the standard purcasse transaction category.
However. if the spatial rate has been Wminated under to , we leave the unpaid balance of the balance trasfer and the Balance Transfer Transaction Fee Finance
Charges in the applicable balance transfer transaction category in I the pecial rate would have expired.
For TDD (Tekwm tunications Device for the Dea}) at 14"7.7449.
Discover may nhaior andlor record telephone cols between you rid D ver representatives for quality assurance purposes.
The Dismven° card is Issued by Discover Bank, Member Fpr. OITBK171
DISCOVER
New Balance Minimum Payment Due Account Number ending in 4604
$8,943.95 $198.00 Enter Amount Enclosed Below
Payment Due Date $
November 27, 2009 Please make check payable to Discover Card or
pay online 0 Dixovercard.com.
02 SDSN8A01 0018553
FRED HARRISON
237 SOUTHSIDE DR
NEWVILLE PA 17241-8950
Address, e-mail or telephone change? Print chana_e in space
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
Tired of buying stamps? Go mobile! Make
payments from your phone with the Discover
app. It's fast and is free. Download today at
http://www.discover.com/apps
PO BOX 71084 Illy+rllrn??ruulrllnlrl
CHARLOTTE NC 28272-1084
I111111111 i,ll,11,i I„Irl,„1111„rli,iiilI'll „1„1„1,1„II
000001986458660225513089439500191000019800
Discover Motiva Card Account Summary
Closing Date: November 2, 2009 page 1 of 2
Account number ending in 4604 Previous Balance $8,952.04
Payment Due Date November 27 2009 Payments And Credits 191.00
Minimum Payment Due $198.00 Purchases + 0.00
Credit Limit $9,000.00 Cash Advances + 0.00
Credit Available $56.00 Balance Transfers + 0.00
Cash Credit Limit $2,300.00 Finance Charges
- - + 182.91
C
as Credit Available
$56.00 - -- ------ --- --
New Bala
nce -- -----
$8,943.95
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Cashback Bonus" Opening Cashbock Bonus Balance $ 196.28
New Cashback Bonus This Period + 0.00
Cashback Bonus Bdonce $ 196.28
Cashback Bonus® Since Anniversary Month
August: $178.45
Pay-On-Time 8onus(SM) Update: 2 on-time
payments have been received. Just make 4
more on-time payments in a row to earn a
Pay-On-Time Bonus!
How Can We Help You? I Visit Discover com to pay your bM for no cost, iew ur
{? latest Account information, earn and redeem rewavrdaoand more
Tit's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service
options or to speak with a Customer Service Account Manager
Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943,
For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Dale Date
Payments and Credits Oct 25 Oct 25 PAYMENT THANK YOU $ 191.00
qqffj 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 $4795.24 0.05819% 21.24% V 21.24% $86.49 $0
Cash Advances $2804.85 0.08216% 29.99% V 29.99% $71.44 $0
Balance Transfers $1385.03 0.05819% 21.24% V 21.24% $24.98 $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 awayl Earn 5% to 20% Cashbock Bonus(R) every day at over 150 top retailers like
Sears, BestBuy.com, and Lands' End through our exclusive online shopping mall, ShopDiscover(SM). Just visit
Dixover.com/shop today!
Important Intorclim If them is more than one page to 04 bRin state ent, see the bade of each page for additional important information. co
See your Cardmember Agreement Your Cardmember Agreement as an the terms or your Account. ail
Lost or stolen cards. Report immediately! Call 1.800.347.383. z
m
Billing Rights S•.rranany. In Case o(Eoro:s or Ocuestions,'hbpul Yip.
Bill: D
0
you think your his is ,rya y, or if you need more information about a transaction an you bill
write to us on a
separate sheet of paper at Discover, PO Bor. 30421, Saft Lake City,
'i 84 ,
o
3UW21, as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on C?
which the error or problem appeared. You can teleptarui us, but do so. :1 not preserve your righds. In your letter. give us the following information: rob
Your name and Account number.
n
The "I ar aewu t of to suspected error a
Describe the wor and emplan, 0 you can, why you believe there
i et or. If you need more informal on. describe the item you are unsure about.
You do not have to pay any amount in question whale we are • but you are still obligated to pay the parts of your bill that are rat in question. While we investigate your
question. we cannot report you as delinquent ortake any action to amount you question.
Special Rule for Credit Card Prrc%ases: If you have a problem the quality of goods or services the,. yo, pufrghased with a credit card, and you have tried in good faith to correct
the problem with the merchant, you may not have to pay the temae nt due on the goods or servirvs. Yrrr have ".hn protection only when the purchase price was more than $50
and to purchase was trade in your tonne state or within 100 miles you mailing address. In we own or operate the merchant or d we mailed you the advertisement for the goods or
services, all purchases are covered regardless of the amount or purchase.)
Payments. Send only your payment art the tap portion d this rot the envelope provided. Do not send cash By sendrg your check as described above, you autlhaize us to
use information on your deck to rrr?takkee an eleclror is find transfer account at the financial institution indicated on your check or to process the payment as a check transaction
if payment is processed as an electronic fund transfer, the monster
be .
the arrant of the check VA" we use information from your check to make an electronic fund transfer
funds may be withdrew from your account as soon as the same we your payment, and you will not receive your check back from your financial institution.
The processing of you payrne d may be delayed you :end cash,
- e or other items with your payment, if you send the payment to any other address or 4 you use an
envelope other than the nnc provided. Pa;mtents received
nproper
f our processing facility by SPM local time on any day will be credited to your Accent as of that day. Payments
received at our processing f3ciliy a
ter 5PM local !ire Colo :)9P credit to y r Account as of the next day. 0 you have misplaced you envelope, send your payment to Discover
PO Box
6103, Card, Stream, Ill W197-6103. Please aXw 7-1'1 days for ry. ,
your payment is returned unpaid, we reserve to right to resubinit it as an electronic debit.
You call pay you rniniwum payment or a greater aruunl cwv the t pho .., and you can set up aromatic payments. Call us at 1-000-347-2683. You will need this statement and your
bank account irriama6on. Ytv must ensure that sutfici+x funds are e in your bank account, and an transactions must Comply wish U S. law. You will be asked to provide the fast
5 ckgits of you account statement ZIP code. By entering troae your electronic signore, you will be agreeing to this authorization to allow us and you bank to deduct each
payment you aut+ace from j-o r bank account and to itnliale debit c it aNries to you bark account, as applicable, to correct an error in the processing of such payment You must
tell ce the arrnunl of eadr,%;ymenl or you can select an amount as Minimum Payment Due or the New Balance on each statement. You can cancel a paynenc however we
must rereive notice at least three business days in advance d the u payment You may notify us by phone at 14MO-347-2683 or by mad at the address listed in the previous
paragraph. If your payments vary in amount, we will Ief you do
' or. y statement when your payment will be made and how much it will be. Your automatic payment amount may
be less than ind rated on the i manlhy sta
onment based on aefhls or ym nIs applied during the billing cycle.
Credit Reporting. We may report rdomhation about your accost
repcd We normally repot the status and paymen! history of you 0
rt bureaus. Late payments. missed paymients or other defaults on your account may be reflected in your credit
credit reporting agencies each month. If yon believe that our report is inaccurate or incomplete
please write
us at the following address: DsLo ier PO Box 15316. Ltlikmngton, 198 ,
-5316. Please include your name, address, tame telephone number and Account number.
Grace Period on Purchases (at least 25 days), We DPW to im Per is France Charges on all transactions from the Transaction Date to the transaction as shown on you
talking scaternent. udess a tansadiah s pmted to yourAcooud aft the of the billing period in which it occurs, in which case we begin to impose Periodic Finance Charges on that
transaction from the W day of the bring period inwhich 0 is o Account. We continue to impose Periodic Finance Charges unfit the date you pay your entire New Balance
by making payments or receiver credits. However, y yuu pail the
h ,
nce on your previous biting statement by the Payment Due Date shown on that billing statement and you pay
t
e i4i v Ba:ance by the Payment Due Date on you current YON s
'
'
' L we will not impose Periodic Finance Charges on raw purchases, that is, purchases first appearing on the
cu,r,,ntt0i
n9 sta lranent
.Ne caR the tle
9racePeriod:
There is no
ce
en balance transfers or cash advances.
Minimum Finance Charge. We %Wi charge you a minimum R C RGE of $.50 for any biting period in which Periodic Finance Charges of less than 5.50 would otherwise
be imposed.
Annual Fee. 0 your Account has an annual fee, it wi be billed at of each anniversary year your Account is open. The amount of the fee appears on the statement when the
fee is bile. The annual fee is nil retundable unless you no* cis' you It to dose your Account within 30 days of the mailing or delivery date of the statement on which the fee is
billed Yo; win receive this refund even if you use your Card during t
Periodic Finance Charges. We =_ol your transactions into groups C ses, cash advances, and balance transfers and then further sod the transactions within each group by
their Anhlual Pnlcemage Rate. For example. purchases w •bjah to a a at rate and purchases subject to a standafd rate would be separate groups. We refer to these groups as
transaction calegodes. At the rod of each biting pe iod, we congd s and Periodic Finance Charges for each day of the billing period for each transaction category. We use the
fodowinr equation to compute Periodic Finance Charges for each tr category:
(Average Daily Balance) Wes (days in billing period) times (pally iC pre).
(You may refer to the Mince charge- summary on you billing;staltin wit f dim amounts.) Then we add up the Periodic Finance Charges for each transaction category to get the total
Period c Finance C heiges for your Account. The Average Daily Baia is ho" as zero 0, because of the grace period, no periodic Finance Charges apply to the balance in a
bra
'Are use Balance (itcknfinq new transactions) met 3 d of lating to balance upon which we impose Periodic Finance Charges We compute the Average Daily
verage
Balance for each transaction category by addig up all line cagy bat ces' a billing period for a transaction category dividing the total by the number of
Y days in the billing period
d
We compute the daily bat nce for each transaction category can ead day first the
adding following to the previous days daily balance: transactions with a Transaction Date of that
day as shown on yaw billing statement. unless the nansac" is e u t y orAcrwnnl 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 fist day of the biking period in which it n •s to you Accrnml. fees charged that day and Periodic Finance Charges accrued on the previous day's daily
balance: and by then subtracting any credits and payments Oral are
' r l against the balance of the transaction category on that day. In calculating the daily balance for the first day of
the pilling period, we consider the *previous day
s daily balance" to, It ve n you balance for each transaction category on Re last day of your previous billing period.
AN fees charged to yourACawnt are added to the standard punchiest bran tion category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the
applicabfe cash advance trine scion category and Balance Transfer ran ' Fee Finance Charges which are added b to applicable balance transfer transaction category. When
the special rle expires, wa mmt the unpaid balance of the balance and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category.
However. if Ile special rate has been terminated under the DelaUt a we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance
Charges in tle applicants balance transfer transaction apaggy until rate would have expired.
For TDD Tekcomrumications Device for the Deaf) assirdarhce, ea81-000 317.7449.
ifte Dist:ow;r may mouth ardhn record let% lie cats between you representatives for quality assurance purposes.
The rtiscorer card is issued by Discover Bank, Member FDIC.
t OITBK171
DISCOVER Closing Date' FRED HARRISON
November 2, 2009 Account number ending in 4604
page 2 of 2
Cashback Bonus ® Award Summary
Cashback Bonus Anniversary Date: August 2 Balance
Previous Cashback Bonus Award Balance $ 196.28
Purchase Award This Period + 0.00
Cashback Bonus Award Total 196.28
Cashback Bonus Award Balance
Award Available to Redeem
9133174
196.28
$ 196.28
Restrictions apply to the Cashback Bonus Partner offers visit Discover.com or cog 1-8004)11SCOVER 1-800-347-2683) for
details. For program details, see the Cashback Bonus Program Terms and Conditions.
New Balance I -M-
Payment Due
DISCOVER. $8,920.96 ` $193.00
Payment Due Date
December 28, 2009
02 SDSN6A01 0018554
FRED HARRISON
237 SOUTHSIDE DR
NEWVILLE PA 17241-8950
Address, e-mail or telephone change? Print change in space
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
000001986458660225513089209
Account Number ending in 4604
Enter Amount Enclosed Below
Please make check payable to Discover Card or
pay online @ Discovercard.com.
Tired of buying stamps? Go mobile! Make
payments from your phone with the Discover
app. It's fast and it's free. Download today at
http:llwww.discover.com/apps
PO BOX 71084 111.11lurIII r,ulrllrrlr
CHARLOTTE NC 28272-1084
1..111.1..1 11..1 1 11 11 1...I1111..11.11 600200000019300
Discover Motiva Card Account Summary
Closing Date: December 2, 2009 page 1 of 1
Account number ending in 4604
Payment Due Date
Minimum Payment Due
Credit Limit
Credit Available
Cash Credit Limit
Cash Credit Available
December 28, 2009
$193.00
$9,000.00
$79.00
$2,300.00
$79.00
Previous Balance $8,943.95
Payments And Credits 20000
Purchases + 0.00
Cash Advances + 0.00
Balance Transfers + 0.00
fkmnce Charges + 17
7.01
New Balance _
$8,920.96
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
Cashback Bonuse Opening Cashbock Bonus Balance $ 196.28
New Coshback Bonus This Period + 0.00
Cashbadc Bonus Balance $ 196.28
Cashback BonusS Since Anniversary Month
August: $178.45
You're halfway there. Just make 3 more
on-time payments in a row and you'll earn a
Pay-On-Time Bonus(SM).
How Can We Help You?
It's your choice - 3 ways to help
Please have your Discover Card available.
For TDD (assistance for hearing impaired) see reverse side
1 Visit Discover corn to pay your bRl for no cost, view our
latest Account information, earn and redeem rewards and more
2. Call 1-800-DISCOVER (347-2683) for fast, easy self.service
options or to speak with a Customer Service Account Manager
3. Write us at Discover Card, PO Box 30943,
Salt Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Date Data
Payments and Credits Nov 22 Nov 22 PAYMENT THANK YOU $ -200.00
§l4% Charge Summary
Nominal
Average Daily ANNUAL
ANNUAL
Periodic Transadion
Fee
Daily Periodic PERCENTAGE
Balances Rates RATES PERCENTAGE
RATES FINANCE FINANCE
CHARGES CHARGES
current billing period: 30 days
Purchases $4881.06 0.05819% 21.24% V 21.24% $85
20 $0
Cash Advances $2875.99 0.08216% 29.99% V 29.99% .
$70.89 $0
Balance Transfers $1199.22 0.05819% 21.24% V 21.24% $20.92 $0
The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above.
Discover(R) gift cards make easy holiday gifts. Now save $2 on the purchase fee of each gift card - plus 90 FREE shipping
Personalize gift cards with names and messages. Many have matching greeting cards! Save through 12/31/09 - enter
GIFT4 at DiscoverGiftCard.com
Important Information. I! there is more than one page tf taten ea see the back of each page for additional ntpoitant inorinatim. rn
0
See your CardmemberAgreemen Your Canimearber cintai is all the terms of your Account
z
Lost or stolen cards. Repcd immediately! Call 1.888.3n
0
Billing Rights Summary. In Case of Errors or lluesfiats ill: you thine your bill is wrong, a t you need mole nformation about a transaction on your bit, write to Us ah a
separate sheet of paper a! Discover PO Box 31421. Salt 94 421, as soon as possible. We must hear from you no later than 60 days after we sent you Hie frst bill on
which the error or problem aWpaared. You ran telephone so m ill not preserve your rights. In your leder, give us the following information:
Your name and Account number. n
The dollar amount of the suspected error. A
Describe the error and ebyhan. t you can. why you believe S e . If you need more nfamnation, describe the item you are unsure about.
You do rot have to pay any anounl in question while we are ng. [YOU. re still obligated to pay the parts of your bill that are na in question. While we investigate your
question, we cannot report you as delinquent or take any to amount you question.
Special Rub for Cndk Card Purchases: t you have a wi the al ty of goods or services thdi you purchased with a credit card, and you have Vied in good faith to correct
the problem with the merchant. you may not have to pay iha t dire on the goods or services. You have this protection only when the purchase price was more than $50
and the purchase was made in you harm stale orwdhin 100 s you Bing address. (t we own or operate the merchant or t we mailed you the advertisement for the goods or
services, all purchases are covered negardess of tlx amount Iota of !chase.)
Payments. Send only your payment and the top pxbrt on f the envelope provided. Do not send cash. By sending your check as described above, you autorize us to
use information on your check to make an e, is turd m account at the financial institution indicated an your check or to process the payment as a rhadv transaction.
If payment is processed as an electronic lend transfer, One be the amount of the check. When we use inlomhaion from you check to make an electronic fund transfer,
funds nay be withdrawn from your account as soon as the da 've your payment, and you will nol receive your check bade from your financial institution.
The process ng of your payment may be decayed 6 you send or other items with your payment, it you send the payment to any other address or if you use an
envelope other than tie one provided. Payments received in our processing facility by 5PM local lime on any day will be Credited to yourAccou t as of that day. Payments
received at oea processing fanny after 5PM bca! time will be to Aec:xat as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box
6103, Caro, bireani, it 6) yi -6103. Please allow 1-10 days I your payment is reludrhed unpaid, we ieseive the right to msubmitit as an electronic debit.
1'ou can pay your minimum payment or a greater amount ovet the and you an set up automatic payments. Call us at 1-800-347-2683. You will need this statement and you
bank account 4namation. You mull ensure that sufficient b : are in your bank account, and at transactions must comply with U.S. law. You will be asked to provide the first
5 digit; of your account statcuterht ZIP cede. By entering a your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each
payment you authorize from your bark aoccunt, and to' ' ddht entries to your bank amount as applicable. to correct an error in the processing of such payment You must
WI us to amount of each payment or you can meteor an as Mninumn Payment Due or the New Balance on each statement. You can cancel a payment. however we
must receive notice at lea:A txee business daps in advance the payment. YOU may ropy us by phone at 1-800-347-2663 or by mad at the address listed in the previous
paragraph. t your payments vary in Nxwrl, we will net you 00 each iWown 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 pephs a yin is applied during the billing cycle.
Credit Reporting. We may report nfomhatx abam yam nt to it eaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit
report. We normally report the status and payrrcrt ti;tory of nt credit reporting agencies each month, If you believe that our report is inacaxate or incomplete, please write
us at the ollowirg address, Disco ra. f-0 Box t 531Q , D 198 5316. Please include you name, address, hone telephone number and Accost number.
Grace Period on Purchases (at least 25 Oys).1Ye begin Per' is Finance Charges on all transactions from the Transaction Date for the transaction as shown on your
billing statement. unless a transaction is posted to your a of the biting period in which it occurs, in which case we begin to impose Periodic Finance Charges an that
vansauon from the fast day of the billing period in which t is Account. We continue to Impose Periodic Finance Charges until the date you pay yam entire New Balance,
by making payo.w.ts or recenving credits However t you 8ne N B ce on your previous billing statement by the Payment Due Date shown on that bdkflg statement and you pay
the New Balance by the Payment Dux Date on your anent I, we will not impose Periodic Finance Charges on new purchases, that is. purchases first appearing on the
current bldg stalemet t. We call this the 'grace period:' is ro pod on balance transfers or cash advances.
Minimum Finance Charge. We',d large you a mininum l C RGE of $.50 for any billing period in worn Periodic Finance Charges of less than 5.50 would otherwise
be imposed
Annual Fee. V your Account has an annuer fee, it will be bil at tie ._in ing of each anniversary year your Account is open. The amount of the fee appears on the statement when the
fee is baled. The aralaf fee is not nelcadable unless you ' us you ish to dose your Account within 30 days of the, mailing or delivery date of the statement on which the fee is
billed. You will receive this rekrhd even 4 you use your Card I p .
Periodic Finance Charges. We scud ymr h+nsac!ims into pR 1 ter uses, cash advances, and balance (ran?Aers and Ihen further son ate transactions within each group by
is :k ., .:cnilwiv:.:. i urJ-, 'Ve Z u ?ace, ',ne pun:eses subge.. tc a sit: and rate wcu:a be s?p:;.?te groups. We refer x the D,cdps is
transauion categories. At the end of each biting period, we to k n s and Periodic Finance Charges for each day of de billing penod for each transaction category. We use the
lokhwing equation to compute Periodic Finance Charges for Ira category:
(Average Daily Balance) nines (rays in biting period) times (I Wy Pe is ate).
(You may refer, o to finance charge summary on your billing these amounts.) Then we add up the Periodic Finance Charges for each transaction category to get the total
Periodic Finance Charges for yourAcoaxa. The Average is urn as zero 1, because of the grace pr" rid, no Periodic Finance Charges apply to the balance in a
Iran-VIS M74
Ate use the Average Daily Balance (inc king new tr ) of labtawhg the balance upon which we impose Periodic Finance Charges. We compute the Average Daily
2alance for each transaction category b! adding tip allthe . a biting period for a transaction category and dividing the total by the number of days in the billing period.
We compxde to daily balance for east transaction category y firs; adding the following to the previous days dory balance: transactions with a Transaction Date of that
day as shown on your billing statemenL uriess the tr is In ACCOUri ahem the dose of the bulling period in which 6 occurs. in which case the transaction will be added
to the daily balance as of the first day of the billing period in it yes to your Accouht, fees charged tat day and Periodic France Charges accrued on the previous days daily
balance; and by then subimc-I rg any credds and payments are against the balance of the transaction category an that day. M calculating the daffy balance for the fast day of
the MN Pe inn, we consider to `x vio s day's daffy ba b e bE -P your balance for each transaction category on the last day of you previous billing period.
M leas charged to yeuAccounl are aided t k the standard clion category with to exception of Cash Advance Transaction Fee Finance (urges which are added to the
a{>plicam!e cash advance bansaa:ce rategay and Balance T ro ction Fee Finance Charges which are added to the applicable balance transfer transaction category. When
the special rate exPies, we mall the !ah a d la ante or. tfa and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category.
Hovwvra. t the special rate has been terminated x.der the :im, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Fiance
Charges in the applicable balance transfer t,nsa : on ca anti a! rate wound have expired.
For TDD (TehxommhWcatom Device for the Beat) as ' cat 1-81111-114449. .1 leaw Discover may monitor annior record teepth
eone h 41s between an Disc w representatives for quality assurance purposes.
The Discovw card is issued by Dis rover Bank, Member FO . OITBK171
DISCOVER
New Balance Minimum Payment Due Account Number ending in 4604
$8,758.43 1$203.00 Enter Amount Enclosed Below
Payment Due Date
January 28, 2010 Please make check payable to Discover Card or
pay online 0 Discovercard.corn.
02 SDSN6A01 0018555
FRED HARRISON
237 SOUTHSIDE DR
NEWVILLE PA 17241-8950
Address, e-mail or telephone change? Print change in space
above, or go to Discover.com. Print your e-mail address to
receive important Account information and special offers.
Tired of buying stamps? Go mobile! Make
payments from your phone with the Discover
app. Its fast and it's free. Download today at
http://www.discover.com/apps
PO BOX 71084 11)rrr?lsrr??rrrrrlrllrr?rl
CHARLOTTE NC 28272-1084
111111111111111llr??l„1,1IV.11111111
l, l f„I,l. II
000001986458660225513087584300195000020300
Discover Motiva Card Account Summary
Account number ending in 4604
Payment Due Date January 28, 2010
Minimum Payment Due $203.00
Credit Limit $9,000.00
Credit Available $241.00
Cash Credit limit $2,300.00
Cash Credit Available $241.00
Closing Date: January 2, 2010 page 1 of 1
Previous Balance $8,920.96
Payments And Credits 345.00
Purchases + 0.00
Cash Advances + 0.00
Balance Transfers + 0.00
Finance Charges + 182.47
New Balance = $8,758.43
You may be able to avoid Periodic Finance Charges, see the
reverse side For details.
Cashback Bonuse Opening Cashback Bonus Balance $ 196.28
New Cashback Bonus This Period + 0,00
Redeemed This Period 150.00
Coshbock 8onus® Since Anniversary Month Cashback Bonus Balance $ 46.28
August: $178.45
Pay-On-Time Bonus(SM) Update: 4 on-time
payments have been received. Just make 2
more on-time payments in a row to earn a
Poy-O Time Bonus!
How Can We Hel 1 You? 1 Visit Discowrcom to pay your 63 for no cost, view your
P latest Account information, *am and redeem rewords and more
It's your choice - 3 ways to help 2. Call 1-804DISCOVER (347-2683) for fast, easy 301f service
options or to speak with a Customer Service Account Manager
Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943,
For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130
Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence.
Trans. Post
Dab Dote
Payments and Credits Dec 26 Dec 26 PAYMENT THANK YOU $ 195.00
Award and Rebab Credits Dec 22 Dec 22 REWARD REDEMPTION CREDIT 150,00
ENJOY YOU'VE EARNED IT
?jge 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 $4968.42 0.05819% 21.24% V 21.249E $89.62 $0
Cash Advances $2948.94 0.08216% 29.99% V 29.99% $75.11 $0
Balance Transfers $983.81 0.05819% 21 14% V 21.24% $17.74 $0
The rates that apply to your Account are either fixed (F) or they may vary M as noted above.
Important Wwmabm. If there is more than one page b ' sta rt , see the back of each page for additional important information. W
See your Cardinembw Agreement Your Cardmernber con ains at the terms of your Account
Lost or sfalm calve Report nreledrately! Call 1800.347 z
Bt" Rights Summary. In Case of Errors or Questions
Y 0
If you it** your bill is wrong, or it you need more information about a transaction on your bill
write to us on a
separate shed Mpaper at Discover, PO Box 30421. Safi
C
UT ,
o
130.0421, as soon as possible. We must hear from you no later than 60 days after we sent you the fast bill on o
Much the eror or problem appeared. You can telephone . but will not preserve your rights. In your letter. give us the following information:
Your name adAcoDunt number
.
The dollar amours of the suspected error. "i
Describe the emaand ezpian. t you can. why you Ohre . If you need more information. describe the item you are unsure about. nor
You do not have to pay any amount in question wthie we E but you are still obligated to pay the pans of your bill that are not in question. While we investigate your
question, we aaat report you as delinquent or fake any b the amount you question.
Special Rub for Cndrt Card Purchases: if you have a quality of goods or services that you purchased with a credit card. and you have tried in good faith to correct
the poblern with the merch" you may rot have to pay
. g nt due on the goods or services. You have this protection orgy wfan toe purchase price was more than $50
and the purchase was made in your borne state or wil hie 1 M
y( sr
mating address. (If we own or operate the merchant, or t we mailed you the advertisement for the goads or
senates, all purchases are covered regardless of the err f purchase)
Paymertk-Surd only your payment and the top portion of
. 's in the envelope provided. Do not send cash. By sending your check as described above, you authorize us to
use inbnruh
on you check to make err eleM9o fund account at the fnandal institution indicated on your check or to process the payment as a dock transaction
If paymerd is processed as an electronic paid transfer, the .
for the amount of the check. When we use information from your check to make an electronic bid transfer
funds may be withdrawn from your account as soon as to ,
receive your payment, and you will not receive your check back ban your financial institution.
Tlhe processing, of your payment may be delayed "dyMm
' poindence or other Rams with your payment. tyou send the paymen! to any other address or if you use an
envelope ether than the one provided. Payments received at our processrug fati0yr by 5Pb1 kcal Bgtue on any day will be credited to yourArxaxt as of that day Payments
recekred at our processing bicility, after 5PM local lime will to low Account as of the next day. If you haws miffed your envelope, send you payment to Discover
PO Box
6103, Cad, Stream, HL 601978103. Please aloes 7-10 for ,
tyar payment is returned unpaid, we reserve She right to resubmit it as an elearatic debit.
You can pay your minimum payment or a greater amount the and you can set up automatic payments. Cal us at 1.800-347-2683. You will need this statement and you
bade accou it information- You most ensure that sufficient a in your bank acaLK and all transactions most comply with U.S. law. You will be asked to provide the first
5 tits of your accaut statement Z1P code. By entering
- ' n your electronic signature, you will be agraia g to this authorization to allow us and your bank to deduct each
payment your aft- firm you bank accait, and to or it entries to your bank amount as applicable, to correct an error in the processig of such payment. You must
tell os the amount Meath payment a you can select an the Minoum Paymerd Due or the New Balance on each statement You can cancel a payment; however we
must receive notice at least tree business days n of the payee t. You may ratify us by phone at 1$00-347-2683 or by mail at the address fisted in the previous
paragraph, if you payments vary in amount we wig tell statement when your payment will be made and how much it will be. Your automatic payment amount may
be less than indicated on the mix" statement based on Pa applied during th billing cycle.
Credt Repor ft We may, report information abort you t bureaus. Late payments, missed payments. or other defaults on your account may be reflected in you credit
report. Vle normally report the gain and payment history your to cred l reporting agencies each month. d you believe dal our report is inaccurate or incomplete
please while
us at the following address: Discover, PO Box 15316, Will 1 ,
5316. Please include your name, address, home telephone number and Account number.
Grace Period on Purchases (at least 25 days). We begin Finance Charges on all transactions; from the Transaction Date for the transaction as shown on you
billing statement, unless a transaction is posted to your nt the of the billing period in which t occurs. in which case we begin to impose Periodic Finance Charges on that
transacbm from the first day of the Ming penod in which t to Account We continue to impose Periodic Finance Charges until the date you pay your entire New Balance
by making Payments or receiving a -eft- Hbm it you
the ,
lance on your previous billing statement by it* payment Due Date shown on that hiNrg statement and you pay
the New Balacee by the Payment Due Date on you
' hllrg we will not impose Periodic Finance Charges on new purchases, that is, purchases first appearing on the
rumens biling statement We cal this the
gramm period. is grac period on balance transfers or cash advances.
Mininam Finance Charge. We will charge you a n - F EC GE of $.50 for any billing period in which Periodic Finance Charges of less than 5.50 would otherwise
be imposed.
Annual Fee. If you Account has an annual fee, it wit be at ? beg wing of each anniversary year your Account is open. The amount of the fee appears on the statement when the
fee is bled. The auroral fee is not refundable unless you us I at yo wish to close your Account within 30 days of hue mailing or delivery date of the statement on which the fee is
taped. You will receive this refund even if you use your Card .
Periodic Finance Charges. We sat your trarsadias into , cash advances. and balance transfers and than further sort the transactions within each group by
theirAnnual Percentage Rate. For example. Purchases to tonal rate and prnchases subject to a standard rate would be separate grasps. We refer to these groups as
transaction categories. At the end of each bilfirg period, we bur ores and Periodic Finance Charges for each
?s day of the baling penal for each transaction category. We use the
following equation to compute Periodic Finance Charges for each ion category:
(Averagetaaily Balance) tares (days in bung period) times Rate).
(You may refer to the finance charge summary on your ' #we amounts.) Then we add up the Periodic Finance Charges for each transaction category to get tee total
Periodic Finance Charges for yourAccohm. The Average IN NY Ba i shown as zero d, because of the
grace period, no Penioofic Finance Charges apply to the balance in a
We use to Average Daly Balance (i hckx" new trap ) calaiating thou balarsce ugorh which we impose periodic Finance Charges. We ample the Average Daily
Balance for each transaction category by addug up all the a biting period for a transaction category and dividng the kM by the number of der period -
in the billing
We canpute the daily balance br each transaction en day first adding the lotlowi b the
9 Proms days
dady
transactions with a r
aon Dam of that
day as shown am your dung slaw ment unless the is in
ans
toA ur ado the close of the outing period which occurs, in which case he transaction will
which
added
to the daily balance as of the first day Melee billing period in y'
your Account, fees charged that day and Periodic Enhance Charges accrued a on the previous day's daily
balance; and by than mibbscting any credits and payments
' against the balance of the transaction category on that day. In calculating the daily balance for the fast day of
the biting period, we consider the'previous day
s daily b ve your balance for each transaction category on the fast day of your previous billing perod.
Al fees charged for your Aaait we added to the standard category with the exoeptim of Cash Advance Transaction Fee Finance Charges which are added to the
applicable rash advance trarsacbm category ad Balance T Fee Finance Charges which are added to the appfrable balance transfer transaction category. Where
tee special rate expires. we mwve the unpaid balance of it* )WI and the Balance Trader Transactm Fee Finance Charges to the standard purchase transaction category
However, if the special rate has been len mated under the
Changes in the applicable balance transfer trassacaan ca"
try Wng
tlu we leave the unpaid balance of the balance transfer and the Balance Transfer Transacts Fee Finance
rate would have expired.
For TDB frelearurrnications Device for Ube Deal) ass] tbammi call 1.1100447.7449.
Discovermayr manta adfor record telephone call betwee your representatives for quality assurance purposes.
The Odseova° card is issued by Discover Bank, Member FE C. OITBK171
DISCOVER
New Balance I Minimum Payment Due
$8.728.51 $201.00
Payment Due Date
February 28, 2010
02 SDSN6A01 0018556
FRED HARRISON
237 SOUTHSIDE DR
NEWVILLE PA 17241-8950
Address, e-mail or telephone change?
Go to www.Disco~.com or print change in space above.
CHARLOTTE NC 28272-1084
1111111 0.111, if IlIkIIIIIII 11111111111111111 111111 11#1111111111
Account Number ending in 4604
Enter Amount Enclosed Below
Please pay online 0 www.Discover.corn or make
check payable to Discover
1 on-time payment to gol Make at least your
Minimum Payment Due by the Payment Due
Date and earn your next month's interest as a
Pay-On-Time Bonus(SM).
PO BOX 71084 111 11 pill
000001986458660225513087285100210000020100
Opening Date: January 3, 2010 Closing Date: February 2, 2010
Discover Motiva Card Account Summary
Account number ending in 4604
Previous Balance $8,758.43
Payments And Credits 210.00
Purchases + 0.00
Balance Transfers + 0.00
Cash Advances + 0.00
Finance Charges + 180.08
Other Fees t + 0.00
New Balance ---- - $8,728.51
See Finance Charge Summary section following transactions
for detailed APR information
Credit Line $9,000,00
Credit Line Available $271.00
Cash Advance Credit tine $2,300.00
Cash Advance Credit Line Available $271.00
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
warrsnxn rivrrva Anniversary Month
August
Opening Cashback Bonus Balance $ 46.28
New Cashback Bonus This Period + 0.00
Cashback Bonus balance $ 46.28
To learn more, log in at www.Discover.wm and select Rewards
page 1 of 2
Payment Information
New Balance $8,728.51
Minimum Payment Due $201.00
Payment Due Date February 28, 2010
Lab Payment Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay a late
fee of up to $39.00 and your purchase APRs For new
transactions may be increased up to the Default APR of
26.24% variable.
Mininum 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:
fyourrtetkeno. Y.<'W' ::Will payoff
ditional charges the balance shown up ppyrp8. a,
?ft 114s card and on this asatameni estigMteaf tt al ctf:
.yav pay . itj about.
Only the minimum 9 years $16,466
payment
$343 3 years
I
12.36
(Savings = $4,1021
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.Discaver.com
1 Access your account securely at www.Discaver.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 available. bills online and easily track oil transactions
3. Write to us at Discover PO Box 30943, Make your money worth more SM-find easy ways to earn
Salt Lake City, UT 84130 and redeem cash rewards
For TDD (Telecommunications Device for the Deal) NEWI Access your account securely through your
assistance, please cog 1-800-347-7449. mobile phone
Transactions
Trans. Post
Date Date
Payments and Credits Jan 18 Jan 18 PAYMENT THANK YOU
$ -210.00
See reverse side.
DISCOVER
l npQrtant Information. 11 there is more than one page to bill s e t, see the back of each page for additional important i fonnatron.
See your Cardrnember Agreement. Yc 1 Cardmember Acieeme is all the tems of your Account,
Lost or stolen cards. Report imnheds;fely: Call 1-800.347
Billing Rights Summary. in C'isu of }; ,is or Uuestons u1 Y r Bid If yew think your till is wrong, or if you need note infunralion about a bansaUwn on
our bill
write !u us
separate sheet of paper it Giscuv2r PO Ecx 36421, Sait L e Cii
UT y
,
on a
13!'-0421. as sum as possible. We must hear from you no later than 60 days after we sent you the fist bill on
.vih+m the error or probk no ap s, wad.:` an tele; hcue: usl but will not preserve your rights. In your [after. give us the following intorrnalrn:
Ycur none and Axutim umber,
The rkhlL3r amhoad d the :>usut!ed eno
D•sscnbe the error and expl O. if you . an wily you bell there 5 an nor. If ycu need more infomation
describe the item y xu are ursure abc tit
ou do not have to pay any amiaint 4: quesion while we invest
]at" ,
,
. but you are still obligated to pay the parts of your bill that are nit in question
While we investi
ou
ate
question t e cannot repot ycu as delsrqu?,t .x uke any on .
y
g
r
file srroiunl you question.
Special Rule for Credit Card Purchases: If you have a ih
quality of goods
or services that you purchased with a credit card, and you have tried in good Faith b correct
the problem with the merchant. ycu mIhave to pay t rem cunt due oh the goods a services. You have this protection only when Ibe purchase price was more man
;rd the purchase was made in your hotm: si:?te or wdhir 1 r. [ r marling address. (if we own or operate the merchantcr d .ve mated you the a&,erbsemerit for the goods or
se cos, a4 purchases are covered rm;.Tliess et the arnouid or t purchase.)
Payments. Send only- your pirpnenl and rc• icp proCa :n of sti in the enoelepe provided. Do trot send cash. By sending your crack as described above, you authorize us to
ns* tafama ion on your :beck to inaie an He;!;ont' fund trnsfe r account at Die, financial institution indicated on your chw:k a to process the payment as a check Vansa rxxh.
if payment is processed a5 an electronic fund Ira::sler the t(anster lI for the amount of the check. When we use information from your check to make an electronic fund transfer
ri in+ nay be withdrawn from your aa:r?;ml =s son s the wine
y we ,
--m your payment, and you will not receive your chci,k back from your financial institution.
The prey-, g of your payment may to de aged if you send cash, vw, deice or other items with your payment, f you send the payment to any other address or if
ou use an
o ,o e otherthan Moe a+c vid d. Pa es is received ' propE firm y
at our processing facility by 5Pk1 local time on any day will be credited to your Account as of Mat day. Payments
r d al our processirvi our y : ur .`f f h final firm: vill credo to Account as f the next day. If you have rnisptaced your envelope send your payment to Discover
PO Boni
(J, Corot SUeam, r alter-6101. Pease allow 7-10 days for very ,
f your paynnxtt is returned unpaid, we reserve the right to resubrr as our: electronic debt.
'; n.s rat pay your rrwimu^r payrneril or. a greater amount Wet the . and you can set up automatic payments Call us at 1-806347-2683. You will need this statement and your
a Ik oleo rt nform6tlen. Yo mUSI i T Ghat SUMIGU' (cods our ova: He in your bank account, and all transactions must comply with U.S. law. You >,id be asked to provide the first
5 dyz_ A your account sal im"rit ZIP ode. By ente-inrt ingse n y: ur e!ec!renk: signalure, you will be agreeing to this aufhoiration V. a" us and your bank to deduct each
rayrne cot y:u autwize f ,m your bank -;:count and - initiate ode or ri entries In your bank account. as applicable, to correct an error ir+ the processing of such payment. You muss
;d us i he amount of eac +n,.,nenf o-- can. sel:n an amounl s aii fir t fnimum Payineol Due or the New Baance on each sbatemer You can canoe a payment. however our.
uef ceive rolice at least ti? bus r s days it rd-aox? of the Jed avment You may notify us try phone at 1-8O34i-2683 or by n ail at the address fisted in the previous
"-YO t - pays: n w3rJ rt our. e: um.:v2 w i el. you on ri?x My c! alea*hent :vrhen your payment will be trade and how much it wail be Your automatic payment amount may
t2 :e that mdxatt! cn sou nva.tl:ly !anent b2se3d on efedls pa _ tits applied during the billing cycle.
Credit Reporting We n.at: rryrrt 4' Urn;:taon abc A ycurAscc(i bureaus. Late payments, missed payments, of other defaults on your Account may he reflected in you credit
n.;c+t. We rchruf y rr ! e Slct7s a:A _ay ell ?,t hisfnry of you a to orewiil reporting agencies each me llh. It you believe that our re ort s inaccurate or incomplete, please we
us a! the `oeomrn add- ss Disu, ter PO Eo . 1 316, "fii*to i 56-531f . Please include your name, address. home telephone nu rb lr and Accoun! number.
t
Grace Period on Purchases (at least 25 daysi. We beriirilo in ip xbc France Charges on all lransachors from the Transadkrh Date for the transaction shorn on your billing
siaterrov, unfass a b'anr e live billing period in which it occurs, ir, which case we txgin to impose Priodic Finance Char
es on that
!a g period in vd: h it k po g
ur .Accue nL yJe continue to impose Poi xlii. Finis; Charges unto the Cate you pay your entire New Balance
shorn aft your biding stalamii,t i!y mamrg payments or receivin ts Hcm-cva0 y:w paid the New Batance oh ycu; pre onus billing staten-r l by the Paymert Due Date shown
aft that Titling statement, xr: wall ml imt se Pemoil FCh
purchase
pad by Maps,
•
en' Dui Ga;?
on
our. .' b x
r new pus chases that is, purchases first app aaoimg the :univil billing statement, or any portion of a new
t l'e
;
it1 thi
th
i
d
Th
-
r
.
,
,
y
.
g
fiAy described m !ho, se of your C-ur1 nc &,f Agrc+!meht filded . ,
t
o
.
s
e grace per
ere is no sta.. e . *i.
xi o
balance transfers or cash advances. As more
Ve Apply Payments,' we generally apply payments c, your Account based on the Annual Percentage Rate
ap'dre: Ile In the ba anric f i.a t. h.nsarl n wkycry_ Thislrnean of you do t:ct pay the New Balance on the cuTert! .flrr ralernerd by the. Payment Due Date shown on that filling
alenr_nt ther deperxf.: g on the anoint of your payme ohand Ann 1 Para stage Rates on other balaxes, you may not get a grace period on new purchases.
Minimum Finance Charge. We v+el , a:ge you a mininxhm MNAN E C RGE of $.50 for any hilkh period in which Periatic Finance Charges of k-;ss than $.50 would otherwise be
u uwsd.
Annuai Fee. If yourAccc uri h -r a?.ie:al er; will be btpd al beg .tog of each anniversary year your Account is open he amount of the fee appears on the staternwit Men the
- v...; h :, o*y us = sn in, icse yu.mAccount within 30 days c! the .,f des.e d.h!e cf !ile +. ,rt h Will', h. tc-e is
3l!d. You wroY rKa a ti:is .bloc _v-'n d ycu a;: your Cadlduwig at bd.
Periodic Finance Charges. We sort your transaotcns into -caps p tries. -ash advances, and bat me, transfers and then turner soh the harsa buns within each group by
the r Armual Percerdege Rat,. Fi e+ample. Far hoses s to pro enal sa!.e and purchases subhect to a standard rate would be separate groups. We refer to these groups as
transwi.on calegwies. Al h: rd of ee4h .tag per'ord, we that cos and Periodic Finance Charges for earn day of the billing period far each transaction category. We use the
Vitw uli equation to compute Peric b . Finance Chariies each ' on cal-gory:
(Averagej ! Balarucet ttrhes (days i1 bflina periMi firrrer `rDadyr
? f?lo).
You na
Coax Summary on your hit sta t ! e e amo cots. Then we add up the Periodic Finance Charges l or each transaction category to gt, the
!Moll Perioxiic Fnahoe t?tanges for ycu, Ax: dot. 7he:iver D-' outs sfu,Wn as zero if, l>eause of the grace period, no Periodic Finance Charges apply to the balance in a
transaction category. Tte Dai. Period:-: Rote rs ti ?%5!h ref ng Annual Percentage Rate.
We use Mie Avsnage Doti y F>aIa x lift siding hew aansacti?ns)
Ealarhue for each r: ar5ach n ca`e
cx
b
zi14-
i !l
u
a:
?eA od
i cakuh!'ug the L•alanc?e tear which vre impose Periodic Finance Charges. We compute the Average Daily
b?i
i
d (
g
y
y
g
p
.
ie r
y ., n a
tg per
o
a a traotsadion iatcgsy and divnlinq the kcal by in number of days in the billing period.
yJe conhpule tlhe daffy ta!aihce to each kan?ciai ca!ig on
day as shown at your bftii::3 s!a emomt, unless the tmnsa
to the dail
bala
iti
f th
4 d
f
h
fi b y first adding the fdbwfng to the prenaus day's duly t+afanrz: ka;sactrtxhs ra!h a Transactiorh Dave ui Uhai
yaurkccanhl after the close of the lit ig period in which it occurs. n :whoa case the transaction will be added
y
nce as o
ay o
ng I:,r J in i
e
t
e b
r-
l s pc f ed to your Accanl. fees charged that day and Periodic Finance Charges accrued on the previous day's daily
ba
:aoe±: and by than subtrac!mo any, edds and payments at against the balance of the transaction category on that day. In caictutiog the daily balance for the fist day of
the hill period, we cons dr; he previous day s daily ba for ve n your balance for each transaction category on the last day of yymsr previous tsili g period.
Ali fees drarged to your Aerrium ate adod m the -.rdard a it action category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the
applicable cash advance barnixtion category and Balance Franst Tr a tiort Fee Finance Charges which are added to the applicable balance transfer transaction category.
For TDO (Telecommilnicatfons Device for the Deaf) as p in a call 1400.347.7449.
Discover may monitor andior record telephone oafs bet . YOU v -r "esentaW. to quality assurance purposes.
VK10 The Disuver" card is issued by Discover Bark. F C PA0210
DISCOVER It s to FRED tnum number
Acc
ount number ending in 4604
L-D-mimtvkg---i
page 2 of 2
Finance Charge Summary
Nominal Other
Average Daily ANNUAL ANNUAL Periodic Fee
current billing period: 31 days Daily
Balances Periodic
Rates PERCENTAGE
RATES PERCENTAGE
RATES F94ANCE
CHARGES FINANCE
CHARGES
Purchases $5,058.84 0.05819% 21.24% V 21.24% $91.25 $0
Casts Advances $3,024.99 0.08216% 29.99% V 29.99% $77.05 $0
Balance Transfers $653.49 0.05819% 21.24% V 21.24% $11.78 $0
V = Variable Rate
Information For You
Notwithstanding the payment due date on this statement, if you paid the New Balance on your previous billing statement by
the Payment Due Date shown on that billing statement, we will not impose Periodic Finance Charges on new purchases first
appearing on this billing statement, or any portion of a new purchase, paid within 25 days of the Closing Date on this billing
statement.
9133174
Questions? Visit www.Discover.com or
call 1-800-DISCOVER (1-800-347-2683) DISCOVER
DISCOVER
New Balance mum Payment DueAccount Number ending in 4604
$8,688.35 $181.00 Enter Amount Enclosed Below
Payment Due Date $ i
March 28, 2010 Please pay online 0 www.Discover.com or make
check payable to Discover
02 SDSN6A01 0018557
FRED HARRISON
237 SOUTHSIDE DR
NEWVILLE PA 17241-8950
CONGRATULATIONSI You earned $ 160.84
as a Pay-On-Time Bonus(SM). Visit
Discovercard.com or call 1-800.DISCOVER
(1-800.347.2683) to redeem your reward!
PO BOX 71084 ???rrr??ru??nnn?nlln?n?
CHARLOTTE NC 28272-1084
Address, e-mail or telephone chonae? In1111111111I1111111111, In1111111111tIt1ltrllnluit 111 14.11
Go to www.Discoyer.com or print change in space above.
000001986458660225513086883500000000018100
Opening Date: February 3, 2010 Closing Date: March 2, 2010
Discover Motiva Card Account Summary
Account number ending in 4604
Previous Balance $8,728.51
Payments And Credits 201,00
Purchases + 0.00
Balance Transfers + 0.00
Cash Advances + 0.00
Finance Charges + 160.84
Other Fees t + 0.00
New Balance __
$8,688.35
See Finance Charge Summary section following transactions
for detailed APR information
Credit line $9,000.00
Credit Line Available $311.00
Cash Advance Credit Line $2,300.00
Cash Advance Credit Line Available $273.00
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
-' - ---° °' Anniversary Month
August
Opening Cashback Bonus Balance $ 46.28
New Cashback Bonus This Period
Pay-On-Time Bonus + 160.84
Everywhere Else + 000
Cashbadc Bonus Balance $ 207 12
To tram more, log in at www.Discover.com and select Rewards
3 Easy Ways to Contact Us
I Access your account securely at www.Discover corn
2. Call 1-800-DISCOVER (1-800-347-2683)
Please have your Discover®card available
3. Write to us at Discover, PO Box 30943,
Salt Lake City, UT 84130
9FMgjT4scommunications Device for the Deaf)
assistance, please call 1-800-347-7449
page 1 of 2
Payment Information
New Balance $8,688.35
Minimum Payment Due $181.00
Payment Due Date March 28, 2010
Late Payment Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay a late
fee of up to $39.00 and your purchase APRs for new
transactions may be increased up to the Default APR of
21.24% variable.
Minimum Payment Warning: If you make only the minimum
payment each period, you will pay more in interest and it will
take you longer to pay off your balance. For example:
et36 y?; pay:. in ubouf
ISavings = $43,293 )
If you would like information about credit counseling services,
call 1-800.347.1121
F You aakena' You will pay off And you will end
itional t1CjBS the balance shown up paying an
siny.thls cartl;glld, on this statrsrriisnj esifinpted total of>
....................
Only the minimum 35 years $55
577
payment ,
$341 3 years 12,284
Mancge Your Account Onli2e at.www.Qiscoversom_
Access free online tools like Paydown Planner to create a pion
to pay down your balance, securely access statements, pay
bills online and easily track all transactions
Make your money worth more s^'t-find easy ways to cam
and redeem cash rewards
NEWT Access your account securely through your
mobile phone
Trans. Post Dade
Transactions
Payments and Credits Feb 25 Feb 25 PHONE PAYMENT THANK YOU
$ -201.00
wee reverse sloe.
DISCOVER'
Important Infonnadon. If t'nere is more Than one page toll bi ' sla t rent see the back of each pale foraddiliawat i,.iW"ant information. u
See your Cardmembef Agreement. Y(wr Canlmeni:w-- con iiins all tfhe terms of your Account on
Lost or stolen cards. Repod irnrnediatelyt Cal 14M347$683. D
0
Billing Rights Summary. In Case of Errors or Questions About Y it Bil l If you think your hif is wrong, or if you need mve nfommaton about a transaction on your bill, write to us on a o
separate sheet of palter. =if Dr- over. PO Box 30421, Sall Lake Ci UT 81130-0421. as soon as possible We must hear from you no later than 60 days after we sent you the first bill on
wixh the error or problem 4ncfeared. You earn telephone us, tnd s will not preserve your rights. In your letter, give us the V. owing infomralion:
m
Your name and Account number. c
n
v,
I l* dN1x amount of the suspected error. .n
DF-mbe the error and explain: K you can. why you belie* the an wor. if you need more iniormatkin, describe the item •: au are unsure about.
You do not have ;o pay my amount in question whLe we are inves gal in , but you are soil obligated to pay lie pars of parr bill Il tat are not in question. While we investigate your
question, we cannot report you as delinquent or take any atilion to le' the amount you question.
Special Rub for Credit Card Purchases: If you have a prlbem it quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct
the prcbtem with the mer.?iant. you may not have 10 pay lit reniai i ig , cunt due on the goods or se-ices. You have the protection only when the purchase price was more than 550
and the purchase was rnadr in your home state or within 100 mile of it mailing address. (If we own or operate the nterict+ait, or if we mailed you the advertisement for ire goals or
services, at purchases are covered regardless of the imotnt or l on f purchase.)
Paymors. Send only your payment and the tot portion of he slat it 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 in r account at tie financial i nsbWten indicated on your check a to process the payment as a check transaction.
If payment is processed as an electronic find transfer the transfer 'Ii for the amount of the check. When we use information from your check to make an electronic, fund transfer,
funds may be withdrawn front your account ss saw as the same receive your payment. and you will not rectti:r, your check back from your financial inshtutiah.
The pr Ceti;:ng of your payment may be delayed you send cash pornder:re or other items with your payment q you said the payment to any other addressor !f you use an
emekilrz .Id'„.v liar. Cur one provided. Paymeris removed in forn at our processing faclity by 5Pt 1 local fine an any day coil be credited to your Account as d that day Payments
reer d ai ti pr cos rm ra.4Py after SP fa I hi is h be credi to :xir Account as of the next day. If you have risp ae l your ewe epe, send your payment to Discover, PO Box
6 103, l au ran. It nk1, o. -L103. erase a 4w --1u di y6 kin 'veyy it your payment is returned unpad we reserve the rrgh[ to resub m, it as an electronic dbl.
You ;2? pay vx •:inimnuin payment or greater anttbuM over the le . tie, and you can set up auomatc payments Cal us at 1-80G34i -2c:83. You will need this statement and your
ant: is aunt informal on. You nil: ensure di it sutir ent (raids avail be in your bank account, and all trasacti;;ns oarsi comply with U.S. laww. Ycu .,ill be asked to provide the first
5 da)its :f ywr account 4atF;rlent ZIP cult. By ea :tiring !hose nu s is your electronic signature, you vol W agreeing to this authouzeton to :!low its arid your bank to deduct each
payer ;t ,c, iulhorize. from your bank aor•. M art to inhale de' or d ertn s to your bank account. as applicable, to correct an error in the processing of such payment- You mns,.
tell us IW ammit of ea payment or you Lan c'ec at amount h t re klinnum Payment Due or the New Mance an each statemen You can cancel a payrrent. however we,
nttnsl rentlve rW a at a sl ties taisirkss dabs in d:anti of Hie r. icd payment. You may notify us by phone at t 8%-317-2683 or by mail at the address listed in the prerious
parag; epl: If your psym ^s ve rf, n an o rf, ve vvil! tc- you on a ni th;y slat:i ,a:4 when your payment vA be made and how much it will be Your automatic Imy!or nt amount may
L?e les than indx:Aed c tht- monlnly statement based on !7edds pa cons a;';,ilcrl dur:rny lie trilling cycle.
Credo ResortiN, We m r rupod irfrinnalori ab ui yc±ir AlzouM -• tx:retuus. Late paymens, missed payments. or caner defaults or your Account maybe reflected in your credit
rcpat. Wr normalcy rep out are status and pa,ucri history of your , d lI to credit reporting agencies e. ?h fi emh. If you believe that our rc.'xxt is inaccurate or incomplete please write
us at t:e erg addr is: iscover. PO Beck 153 t( Wilmington, 1 850.5316. Please include your name, address, none leiephone nuntfur and Account number.
Grace Period on Purchases (at least 25 days), lye begin to NY P Iodic Finance Charges on all transactions roe the Transaction Date for the ranswton shown on your billing
ate her unless a Iraisx +an is posted to your Acctunt after tam ose 1 the billing period in which 0 occur, in which case we begin to imi.ase Periodic Finance Charges on that
t: ,rlsaci,)n from the Est day of the billing period is vii Jh it is . '
. k. a Account We continue to impose Perock Finance Charges unit! the date you pay your entire New Balance
horvn xn your bilks g sZak?m it by makng payr-,e:!ts or rece
vi ng d+ Homier, t you paid the New Balance on your pre:sous billing statement by the Payment Due Date shown
on :!1 R tilling staement. r wi!I iwA inipme Par:oda . Fiiir+oe Cha es• new purchases. that is, purchases first ape;rowing on the current baling statement, or any portion of a new,
:paid by the PayT x l l Due trade on your carenl billing ; it We cal this dre- g-atack pried. There is no grace period on balance transfe s or cash advances . As more
-r,iexnbedfnuhesecti:a fyourCardmenlberAprovient6 1,c-4 1,*AppIyPajm.nts, wepeneralyapply'aynentsto yoarAccontbased on thiiAnnumPercentage Rate
apoil,aUo tr hw talarr-e of a ch transaction ca: day. Tins mean that I you do rot pay the New Balance at the current bilug statement by [the Payment Due Dale shown on that bllir+g
sea'. tnrnl. titer,, deperndl:n ! ,n We amount of your payment and Air. al Percentage Pates on ot: +er balances, you may not get a grace pcrod on how purchases.
Minimum Finance Charge IN., w9' charge you a nneriumli'llfilk? E ARGE of 5.50 for any billing period in which Periodic Finance Charoes of less than $50 would otherwise be
r,xscd.
Animal Fee. if yrwAc. aura h -; n annual M if •el Ir billet at he , nr 'g cf ?ach am iversary year porn Accounts epee The amount of the fee appears on the statement when the
_ :: -1 Tip:; tL"- :..::W ? -.•I, -.;
n d .r?
: A. faa9tii"' f3r `•', lk.llirq rdonne: ate.. f 0!,
1,1 .Y: wall rewivc It Ai. '1 It :rd t!I II I : t ! .11 '-
Pa;iodic Finance Charges. 4':e sat yourirar*aclions inta chases, cast! ad?axes, xid balance iranlars "then l rthe: sod the transactions within each group by
Arelual Percceutege R I.: For examp;e, purchases sullied to onal ate a: ed purchases subject to a standard rate would be separate groups. We refer to these groups as
ansalion categories At it k eta of each twilling prixud we races and Periodic Finance Charges nor each d
ay of the billing period far each transaction category. We use the
wg equation tocorrxdr Periodic Finance Charges fo Non category:
i;,,trage Balance)
Gnats (days in billing period) from
M
J Rate).
,s
You ay =
ica Charge Suhrrnary on yoor bifi for these amounts. Then we add up the Periayc Finance Charges for each transaction category to gr the
tot,
D A
c e s ;,hown as zero if, because of the grace period, no Perodic Finance Charges apply !o the balance in a
:v..r:y category Ttz Daly Periodc Rate is If3Fxb tit irg Annual Percentage Rate-
1'i We epic i1e Average Daty Balarce (sxduding new transactions) od ;Jcufaing it:e balance upon which we impose Periodic Finance Charges. We compute the Average Daily
B _ dr x f:,r each 1,arsasfi, it we3. y fly ariding rtp d! rnedaily i in a biting limed ka a tr;NWrlirro category and dividing the total by the number of days in the billing period.
e rg: :puce the daffy L, :Y , kv • ach hama tion G 'c one h d by first ;,ddirg ire krAwq to the prey ous day's daily balance: transactions with a Transaction Date of that
l:, j ,,r ' an on your filthn Aak-,mvnc unless file transaction is k t o yt ter Account after the dose of the billing ;reed in which it ooxurs. in which case the trnsxoon will be added
t; lr d:riy tdaceas the >t day r• fly t inj pered ml which is led to your Ac rant, fires chaff that day a id Period: Finance Charges accrued on the previous days daily
n: arm t•y Iheli ut n - y try red and payments shat d a ansl tie balance of it* tra,sacbm caner ry ;h at day. In calculating the daily balance for the first day of
i 1:e period. re s .;,; the -prey u, days,aily ;aternx' t h aw t t to your baar -e foreach eansachoi category of the last day of y. in previous billing period.
All fens gaged to you P. urt a?. acd= k the s!: ndsrd pta tr a:tb- category wilt the exception of Cash Advance Transaction Fee Finance Charges which are added to the
app!- .a,:: cash alvaix J. a- xr cat-gory 2M 3afaocce Trans Tr action Fee Finance Charges which are added !o' ie applicable balance transfer transaction ca(w3ay,
re TDD (Selecmemunicatfon: Device for the Deaf) asskfa call 1400.347-7049.
,., r nr"dy fnonAor a+ar mrod lu ;peter, cats be.rveen you d cover representatives for quatlry assurance purposes.
is a er' '.ard is ;urd by Discover Bars. hr,{tin6er I
11 C PA0210
ISON
DISCOVER tt Pays to FRED nHARR
t number
DISO-'VER Account number ending in 4604
page 2 of 2
Finance Charge Summary
Nominal
Fe
?r
Average Daily ANNUAL ANNUAL Periodic F
ee
Daily
current billing period: 28 days Balances Periodic
Rates PERCENTAGE
RATES PERCENTAGE
RATES FINANCE
CHARGES FIN
CHARGE$
Purchases $145.45 0.04449% 16.24% V 16.24% $1.81 $0
Past Purchases $4,961 15 0.05819% 21.24% V 21.24% $80.80 $0
Cash Advances $3,09916 0.08216% 29.99% V 29.99% $71.30 $0
Balance Transfers $55717 0.04449% 16.24% V 16.24% $6.93 $0
V = Variable Rate
Information For You
Notwithstanding the payment due date on this statement, if you paid the New Balance on your previous billing statement by
the Payment Due Date shown on that billing statement, we will not impose Periodic Finance Charges on new purchases first
appearing on this billing statement, or any portion of a new purchase, paid within 25 days of the Closing Date on this billing
statement.
This month, the featured Cashback Bonus(R) Redemption Partner is Bed Bath & Beyond(R). Redeem $20 Cashback Bonus for
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showing you every transaction on your Discover Card account throughout the calendar year Online you'll see the total
amount of all your transactions, including payments, purchases, and credits. Go to Discover.com/summary today!
9133174
Questions? Visit www.Discover.com or
call 1.800-DISCOVER (1.800-347.2683).
DISC*VER
DISCOVER
Now Balance Minimum Payment Due
$8,666.79 5199.00 -
Payment Due Date
April 28, 2010
02 SOSN6A01 0018558
FRED HARRISON
237 SOUTHSIDE DR
NEWVILLE PA 17241-8950
Account Number ending in 4604
Enter Amount Enclosed Below
Pay online at www.Discover.com or make check
payable to Discover Phone and intemst
payments must be made by 5:00pm ET for some
day posting.
Pay-Ort-Time Bonus(SM) Update: 1 on-time
payment was received. Simply make 5 more
on-time payments in a row to earn a
Pay-On-Time Bonus!
PO BOX 71084 Illnrllrrrllnnnlnllnlrl
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? {rr{rl{u{nrlt{{us{n{r{tn{){{ur{u{nluf{u{nlulr{n{{
Go to www.Discoyer.com or print change in space above.
000001986458660225513086667900000000019900
Opening Date: March 3, 2010 - Closing Date: April 2, 2010
Discover Motiva Card Account Summary
Account number ending in 4604
Previous Balance $8,688.35
Payments And Credits 200.00
Purchases + 0.00
Balance Transfers + 0.00
Cash Advances + 0.00
Finance Charges + 178.44
Ofher Fees t + 0.00
New Balance $8,666.79
See Finance Charge Summary secti on following transactions
for detailed APR information
Credit Line $9,000.00
Credit Line Available $333.00
Cash Advance Credit Line $2,300.00
Cash Advance Credit Line Available $273.00
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
tSee transaction detail for a description of any fees
Anniversary Month
August
Opening Cashback Bonus Balance $ 207 12
New Cashback Bonus This Period + 0-00
Redeemed This Period 200.00
Cashback Bonus Balance $ 7 12
To learn more, log in at www.Diwover.com and select Rewards
Payment Information
New Balance $8,666.79
Minimum Payment Due $199.00
Payment Due Date April 28, 2010
Late Payment Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay a late
fee of up to $39.00 and your purchase APRs for new
transactions may be increased up to the Default APR of
21-24% variable.
Minimum Payment Warning: If you make only the minimum
payment each period, you will pay more in interest and it will
take you longer to pay off your balance. For example:
eac
call 1.800-3471121
page of 2
3 Easy Ways to Contact Us
1 Access your account securely at www.Discover.com
2. Call 1-800-DISCOVER (1.800-347.268Please have your Discover® card available.
3. Write to us at Discover, PO Box 30943,
Salt Lake City, UT 84130
ForTDD(Telecommunications Device for the Deaf)
4Dlease call 1-800.347-7449.
Manage Your Account Online at www.Discover.com
Access free online tools like Paydown Planner to create a plan
to pay down your balance, securely access statements, pay
bills online and easily track all transactions
Make your money worth more5M-find easy ways to earn
and redeem cash rewards
NEWT Access your account securely through your
mobile phone
Transactions
Trans. Post
Date Dam
Award and Rebate credits Mar 23 Mar 23 REWARD REDEMPTION CREDIT $ -200.00
ENJOY YOU'VE EARNED IT
F
you`
make tt4' You will pay off Arid you will end
"
dditlonal charges the lilance shown up paying an
sing this card and on this Statement es?+rnated total qf,
you 'pay ,
month inabout:
Only the minimum 35 years $55,212
payment
$341
3 years
Swin1gs 2 = '282 $42,930 111
If you
would like information about credit counseling services,
See reverse side. D,SCOVER•
hnportant linformation. t. G efe'r moe than one page to billi; statement see tine back of each page for additional inyartant mfonnatio-
Sae y our Ctlydmeriber P.yrctrnent. ),,,-.r C:>tdmembe contains all tl:e terns of your Account.
Lost or Stotler cards. Pier, zt let:rrrerfMyt Call 1-800.31-2683.
kuh^g ii grits Sr rnmary In Case at Errs s cr Questions FW Yobr Bit: It you Ii A your till !s wong or f you need more mfomation about a transadion on your bill, write to us on a
x averPO lox 30421, Saft City{ UT 8413'-0-' 1. as soon as possible'tie mast hear from yob no later than 60 days after we sent you the first bill or
ear r r :td: r h, . d n u in telephone ddng so v ii not p e;ene your rights. I n v our letter give s he for knwag hS ar aline
araea•4Accour
T trr dollar amount of thtw4s rxlert er
tlewttie the er,-or arc explain, it you c; it. ,vhf': yOu bel lensed is an emir. It you need more information, describe the item you are unsure about.
r;; , do wi na&:n pay any amount at que ;tut wnt we inveslIjating, but ,r„ are sbif obligated to pay the pans of your trig that are not uI question. While we investigate your
oi'e.U n we donor. repe••I you as dett:quad or take any to toloct Ube riounl you question.
S^ial Rule for Credit Card Purchases: If you haw a >iitl the qualty of goods or services that you purchased with a credit cad, and you have tried it good faith to correct
a t: '.em vvith the unerd:ant. you may rlei have to pay r g amou nil due on the goods or services. Your have this protection only when the purchase price was more than $50
aria Ma purchase -vas : cede it, your h,hme seals or wi!^m 100 rrrilcy of your real! g address. f l(we own or operate the merchant or Awe:nailed you the advertisernuni for the goods or
-Ac, an purchases are trovered regard'ess of the ar-jrrtt or I on of purchase.)
,
Paymerds. Send only your M vent and the top For^?nsta riientt in the e )velcpe provided. Do not send cash. By senr5ng your dheck as described above, you authorize us to
arkrra31k n ;n 'oho check to make at >le tra^.ic (wui ter turn your a aunt at the financial institution inQrated on your check or to process the payment as a check transactirx,
Ii paymrni is trxessed as an electronic and transfer. transfer be for btu amount of the check. When we use information from your check to make an electronic fund transfer,
!.n xis ma t tee withdrawn Iron your account is son as same y we receive your payment. and you well not receive yore check bank from your financial institution.
P.9 pnucerising or, ew pay"hand may be d.eayexl i:` y w ' :ash;comespo Bence orother terns with you payment, it you send the payment to any other address or if you use an
v o4ha than In e onE p ovkted. Pay:wy,s re(xs _ et prcxk# form at our pr xiessing facility by 5PM local Dime on any day wit be credhed to your Account as of that day. Parproils
c; a at oar prx--sig tarAFty ahmr SF9.1 Beal tine w" M acalikd to yo r Account as of the next day. It you have misplaced your envelope, said your payment to Discover, PD Box
t 1t:3, l ad Stream, IL 019 611;3. please slew 7-10 d for d iiiwery If your payment is returned unpaid, we reserve the right to resubmit it as an electratic debt
ar: pry your r. enimum mayr ;erf or g eons a meant the Wephone, and you can set up automatic payments. Cal us at 120-347 -2603. You will creed this statement and your
t,a tv --W. it :r=_i :o You must ece u,c tai _ uKi;-;- F,rds ai available in your bank account and all trarsacthens roust comply with U.S law. You yell be asked to provide the first
of yo r ;r ?un! :w emwrt ZIP cake By ,ir those numbers as y err eiecir x is s gnature.. you witl be agreeeg to th s autrxvaGan to aflo v us and you Yank t6 f Wuc each
,:uyrn it y v =.;5 -on2c ,n •nn your bank :4:'11.and adore drtrN or r edit enlncs to your bank, zcourL as applicabie, to (peed an error m the pracessirg of such payment. You nit is!
h - e? ..e am, a r A e ash taaymert x y: -ear ,e an - of -von as the hn:mu,n r'aylnenl Due or the New Ba!a:nrx on each statRmem• You can cancel a paymerA. however we
PI: If '47'e at r tsl three b rci r lays >*dt of the so, a tad „aye ent You may n tify u! by phone at 1 1300 347 2663 or by mad at the address listed in the previous
as Otan , vc ,,its vary m n m vv vat .e° on wqh n rout y ;a cment when your imyrient wig be made and how much it will be Your automatic payment amount may
r iha a &'.; -0 In u.trly st-i. w .t i d credits or payhZits a pied during to billing cycle.
:red Reporting. We m:,.y report ecru a[vut YLy lAacurn to credit bur.r-.;n. Late payrnimis, inssed paymeals, of other defaults or. your Account may be reflected in your credit
rvpx:A :Y= nome.r4 ny; yt tine Stalis 1d payT fi hisb rA of you Acaam' i,, ,re.r(! nemrting agencies each rrWh. U you believe that our ripw is inaccurate or i ncompete please write
u. 1c k +nc adr :ss. Ds=t, PG B':w 1531' 3..td,nington. DE 10350 •3 1ii Please include your cane, address. home telephone number and Account ourntter.
Grace Per;od on Purchases (at least 25 days). lire t4 to imppse Pe; kA"c France Charges on all Irarsaclais (ran tae Transaction Date for the transaction shown on your billing
:te•,r rr s: ;, t a _(x r, r pest to You Accca,rn after teldose ;f in b tg period in whichit occurs, in wnic h case we begin to impose Periodic Finance Charges on that
r - fro in !rhe tx: , y r,::hk hFng p. rir..d rr which k is ostid to yrv..ir A usual. We continue ld impose Periods: Finance Charges unto fire date you pay your entire New Balance
y x via t ;irq t tie her v m ti 0 aw a tL a E:e&s- ' ,,r-ver if'ou paid tie New Balance on your previous Littirg statement by to Payment Due Date shown
.a c: :akirnd star .r en,. a vr..l .,kit mk:r ,e ;yydr., fin Chage;..n w r, bases. that is, purchases first appealing on the current bauhg statement, or any portion of a new
a + y r, t rt Due D a vrr r c , bitig slefa Q y e U this tie -grace penod. There is no grace period an balance transfers or cash advances. As more
L -M i, t rl yn r C r fi en, + wrr?tt Utlc4 - rrw We zit ,!y P amenls, we generally -,Tp* tayments loyourkccon based on the Annual Percentage (late
it, C n ea- ,oar .: ,,r tr?yr .y h rrlean} tar d yo,a d v >ot pay ere Nev, Balance our to cueent billing statement by (he Payment Due Date showx, a, that billing
ri! "W". cpv .vn - e a: ;u > ur aymWnt and Irye Annui Percx riage Rates .xi o!her bala.hces. you may not get a grace p, loo or, new purchases.
f4irimam Ffnznce Charge i+,:: rte ?r1r f tart anuiln FINANCE CHARGE of $.50 Mr any billing period in which Periodic Finance Charges of kss than $.%, vnnuid otherwise W
A -.r F. w ¢A,- t t hzi? 4 a y -''! lay led at the bent era ct ea, rinimrsary year your Account is roper.
Fhe;vnour t` f-i apprnrs on tune slalemer.! wirer the
.> :_ d C h:: fit v ,it Au,ountwthin 30 daysbof- M 1:•1 o: Or wlWh :n sc
r>. vas n m ' -•e r r x y, u: C d (Wranjttml rxv,i
PtrirrFe: Rrranc?e Charges. Vie sail to f.r.'-saciuns vdo group] of purchases,,. :0 adyanom, and balance transfers and ten further sent to transactions within each group by
L our .nnua! F - v near P lE eye ay ourdn3ses rotten to H promet onal rate at +,durhases sub)ect to a standard rate would tie separate groups. We refer to these groups as
a h k a c ,ego rill A! Ur Hid f a,_ h hr 1 period.?or eixlite ball ciis aw! Prnod c Finance Charges for each day of the billing porn:;! ,it each Iransaction category. We use the
rS,n..? r:;,:u !r?ra to v, ripule der. _ ±,:. F,. ante Gnagesr ua.1t trarsac?an category.
A•w%u, er Pa ?a?ceh wririmes !r ys ere lxuing perms 'T ;DadyPerro c Rate).
ayppKc=Nr:31f Cterou Sure .ry on your statErnent for these amounts. Then we add up the Periodic Finance Charges klr each transaction category to get to
e iar a iodic France 0m r), `err your Air nt. The Aw? D.4y Ba;asce is shown as zero t, because of to grace period, rio Periodic Finance Charges apply to to balancein a
l :.a. aibon category. T>v Daily Pbt*& Rite is 13665th the mrfespendang Annual Perceraage Rate.
Y:'e use tee Average Judy Balance ndr:rkrig new rah, S! mF.thro.' a1 calculating the balance upon which we impose Periodic Finance Charges. We compute the Average Dart y
'rho: for each innsacii ;n :ategx r bi <fdng up . 4 ' daey t* irces in a billies period for a uansacio. category and dividing the brat by the number of days is to billing periai.
+.riu :? outs tree daAy i;;vance ta• each hones :-,.rot cal on eai : day by trsi adding U:e fdfowiog to the prrrarus dais daily balance: transactions with a Transaction Date of that
:r hewn on you LE .y r leer v, nl : th t1 n is pw;vJ to y^,urAccount after the dace of the NV-q period in tri itocours. in whi;,,h case to transaction will be added
it, h< it •ry bur ance „; of ita, fits, lay of tha Nil :g p n w-Kh, i k posted to your Acwunt fees charged that day and Periodic Finance Chages accrued on to previous day's duty
!aar aid by then subtra Ln7 any c ' f_ and ;ayrrkarks dti ors Appred o nst the balance of the transaction category on tat day to calculating the daily balance for the first day of
li,- b irg :>aribd, we r. 41Srd - rr `prey 11= :lay daily b#lancr!to have been yu,r oa!ar :a for each Iransadion category on to past day (H y;tur previous trifling period.
,\it "-:e' C. wck-l for your a.: Sxv are added to thr: St purchase transarh categn, with the eycepi on of Cash Advance Transaction Fea Finance Charges which are added to the
arr; ;abe ash advar, lr; ;.n ralte w I and M Tfans(a; Transacoo n Fee F inaoce Charges which are added to tae applicable balance transfer transaction category-
For TD3 Rekronurvinications Device for the Deal aoatilstancF. please call 14800.347.7419.
DY;n:+e otay north and record IeNpl:cr -cacks bet" you and Discover representatives for quality assurance purposes.
it) Toe Disrr,orr ore is i`_Sarf by Disct.aer Bank, ?em f ,C PA0210
DISCOVER
It pays to FRED HARRISON
DISC , VER Account number ending in 4604
page 2 of 2
Finance Charge Summary
Nominal Other
Average Daily ANNUAL ANNUAL Periodic Fee
current billing period: 31 days Daily
9 Pe Balances Periodic
Rates PERCENTAGE
RATES PERCENTAGE
RATES FINANCE FINANCE
CHARGES CHARGES
Purchases $1 17 0.04449% 16.24% V 16.24% $0.01 $0
Past Purchases $5,046.99 0.05819% 21.24% V 21.24% $91.02 $0
Cash Advances $3,168.41 0.08216% 29.99% V 29.99% $80.70 $0
Balance Transfers $48716 0.04449% 16.24% V 16.24% $6.71 $0
V = Variable Rate
Information For You
This month, the featured Cashback Bonus(R) Redemption Partner is Bed Bath & Beyond(R). Redeem $20 Cashback Bonus for
a $25 Bed Bath & Beyond gift card.
Need Cash? Whether it's for an unexpected bill or an emergency car repair, Discover(R) Card can always help. Get cash
at ATMs nationwide or have money deposited directly into your bank account. Visit Discover.com/cash to find out more.
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FREE shipping. Visit DiscoverGihCard.com to find Mom's favorite gift this year After 12 months of consecutive inactivity,
Discover will begin to assess a $2.50 monthly dormancy fee. (c)2010 Discover Bank, Member FDIC
9133174
Questions? VWt www.Discover.com or
call 1-800-DISCOVER (1-800-347-2683. DISCOVER
9133174
DISCOVER $9New Bal
,143.61 ce
02 SDSN6A01 0018559
FRED HARRISON
237 SOUTHSIDE DR
NEWVILLE PA 17241-8950
Minimum Payment Due ' Account Number ending in 4604
$434.00 Enter Amount Enclosed Below
Payment Due Date
May 28, 2010 Please make check payable to Discover Card.
You are overlimit. Pay the sum of the monthly
minimum payment plus the ovedimit amount of
$143.61
It's easy to get a full month of interest back.
Simply make b on-time payments in a row
and get the next month's interest as a
Pay-On-Time Bonus(SM).
PO BOX 71084 1IlrrilIrrrllirrs11111rRill
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? 11111 ??rr?sis?s??niLILL II111r„111In1fill III Go to www.Discover.com or print change in space above.
000001986458660225513091436100000000043400
Opening Date: April 3, 2010 dosing Date: May 2, 2010
Discover Motnra Card Account Summary
Account number ending in 4604
Previous Balance $8,666.79
Payments And Credits 0,00
Purchases + 0.00
Balance Transfers + 0.00
Cash Advances + 250.00
Finance Charges + 187.82
Other Fees t + 39.00
New Balance $9 143.61
See Finance Charge Summary section following transactions
for detailed APR information
Credit Line $9,000.00
Credit Line Available $0.00
Cash Advance Credit Line $2,300.00
Cash Advance Credit Lure Available $0.00
You may be able to avoid Periodic Finance Charges, see the
reverse side for details.
t See transaction detail for a description of any fees
Anniversary Month
August
Opening Cashback Bonus Balance $ 712
New Cashback Bonus This Period + 0.00
Cashbook Bonus Balance---- - $ - 7 12
To learn more, 4 in at www.Discover.com and select Rewords
page 1 of 2
Payment Information
New Balance $9 143.61
Minimum Payment Due" $434.00
Payment Due Date May 28, 2010
' Includes past due amount of $199.00
Late Paymeed Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay a late
fee of up to $39.00 and your purchase APRs for new
transactions may be increased up to the Default APR of
21.24% variable.
Minimum Payment Wamig: 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
fybu'iiti7ktSlli! ` you will pay offfhe A+?d yntr ""i on
?+ns+i CfwC?J®s balance shown on up P" Gtr
my this carrJ and this statement in sstitnat4d total of,
morafft ?pu piiy.. about.
Only the minimum 36 years $58,452
payment
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. Call 1-800-DISCOVER. (1-800-3117-2683)
Please have your Discover®card available. to pay down your balance, securely gccefs-statements, pal!
bills online and easily track all transactions
3. Write to us at Discover PO Box 30943,
Salt Lake City
UT 84130 Make your mono worth morel-Find eas ways to earn
y e
y
, and roda
m cash rewards
For TDD (telecommunications Device for the Deaf)
assistance, please toll 1-800-347-7449.
014417d NEWT Access your account securely through your
mobile phone
Transactions
Trans. Post
Dais Date
Other/Miscellaneous Apr 28 Apr 28 LATE FEE $ 39.00
Cash Advances Apr 29 Apr 29 CASH ADVANCE CHECK #9141 250
00
.
Apr 29 Apr 29 CASH ADVANCE TRANS FEE FINANCE CHARGE 12.50
see reverse side. DISCOVER
f
Important Information, if t ere is more than one page to ' biiir statement, see die bade of each page for additional important information.
See year Cardmembier Agreement Your Cardmomber coriains all dN terms of your Account
lost or stolen cards. R-pcat immediately! Call 11-8111,11-114, 2683.
Pilling Rights Suaanaty. In Case of Errors or Quest !Ntti )f Yb+r Bill: If you thank your bill is wrong, or if you rx-v.,d nm. information about a transaction on your bill, vane to us on a
separate sheet of paper at Discover, PO Box 3uu421. Sap ake City,' UT 84130-7 721, as soon as possible. We must he, - Dort you no later than 60 days after we sent you the first bill on.
M, a.h trie error (A problem epppared. You can te! ,hone , bid 00kq so w5R not ;:-eserve your rights. In your leper, gee us the following infermatiotr,
Your name aryl A=urt onot r.
The dollar: avant of the suspected error.
Des;iibe the error arid explain, if you can, wily you beii 1weis all emx.. If you need more informaton, describe the item you are unsure about.
You ;r) ; .a have Uh Izy a ty am xtnt ii uestcn'whie Ne investaling, but you are still ohlgated to fay pile parts o your bill that are not in question. While we investigate your
que_si::v; we ca riA repo' iGU as delinquent or take any to 4d;ect the amount you questa).
Special Rule for Credit C?rd Purchases: It you have a v}th the quality of goods or services that you purchased with a credit card, and you have died in gad faith to correct
the; r;b,efn voth the me tint, you may net fkTle to pay I Is rrely i a aauunt due all the goods or services. You have this protection only *W the purchase price was more than $50
a>J ';ra wrctase was mattn your home state or within Op to Is of your rnaltrg address. (It we own or operate the merchant, or if we mailed you the advertisement for the goods or
er ire-;, all purchases a a covered regardless of the a o I of purchase.)
Pirnnents. Send only your payment and Ow fro portion this sta merit it the envelope provided. Do not send cash. By ser ding your check as described above, you authorize us to
use adcmmation on your check to rake an electnnie fund arister your account at the firandai institution indicated on your check or to process the paynwsd as a check transaction
d payment is processed as an eiedronic fund transfer transfer ill be for the amount of the check. When we use information from your check to make an electronic fund transfer,
futids may be wdtirdrawn. Irc m your account as son as ih same d y we receive your payment and you vaG m)1 receive your check back front your financial institution,
The protm-asing of your payment nay be de ayed if you cash, , naesporidence or other items with your payment, if you send the payment to any other address or if you use an
en:,:elope o6- than the )ne prcrojed. Payments recav in pfope form at our prucessutg facility by SPM local time on any day vvid be credited to your Account as of that day. Payments
ec`ived at our proud ss mg) `ter 5PIA to ai time vvillibe cred* to your Account as of the next day. If you have rtisplaccd your envelope. send your payment to Discover: PO Box
6103, Carol ,tie rrn, g is .5... ius Please aeow T-10 for d4veri. If your payment is return led una std, we reserve the right to resubrn! it as an electronic d ha!.
You can pay your m mi im payment or a greate amount the and yw ca n set up automatic payments Cad us al 1-800-347-2683You will need this statement and your
t rue aer?mi inbriniation tics m:e e cure mat suf icmnt s ar rone
abliy ace hark atmunt, and ail transactions must com.My with U.S. law.. You rriu be asked to pnrvidc tie first
5 dgi? of your acca!rt stator,. ;at ZIP a'ie. By ertcring ne as your electron signature, you wit be agreeing to this aUhorizali let to allow us and your bank to deduct each
eaym it yak authorize y..ur bark amount. and to inedit entries to your bank account as applicable, to correct an error ir the processing of such payment. You must
I r? the a mo . d of eac : paysnwe a yo a car. eel yy eUi . nt stpct as the Ntni mum Payment Due or the New Baianre on each statemen You can cancel a payment. hovnever we
n use «?:ehve r. l ce ai e2sl ;tree e;;stress days hh advarr. oA file Scheduled payment You may notify us by phone at 1-800-34-12683 at by mail at the address listed in the. arevkus
pa: c;rapt. d your payments 'va'y in arnomt we will tell , cn each monthly statemert vrmn your payment will be clad, and hue much it wig Ce. Your automali payment aftxwnt may
ba :s, chart indicated on fly ri"ithiy state rent based o tot Bits ur Faymrvtts aaoi;ed during the b Iling cy le.
Crectit Reputing. We may report inWrnafion about your ant It. credit L. Beaus. Late payments, missed payments, or other defaults or, your Account may be reflected in your credit
rca^r We norm dry mp fro If,- stars! ana payment history your pax-,unt to credit reporting agencies earth month. It you believe "our report is inaccurate or inwnplet: please write
ur at tie following address. Discover. PO Box 15316, .tin ' _ion, DE IsIM-5316. Please include your name, address. hone telephone nuniberand Account number.
Grace Period on Purchases (at least 15 days). We beg to attpose, Periodic Finance Charges on all transactions tram doe Transacior Date for the transaction shown on your billing
s; ;nc+ u mt unless a Uan aclk,. posted to your AxaMI ertite.? of the biting period in which p occurs, in which case we begin to impose Periodic Finance Charges on that
r:r: I!otr hw.. the fret odav rf the bo q poi rxf .n wfik h is posted to your Account We continue to impose Periodic Finanr:e Charges until t`ne dare you pay your entire New Balance
,ivas ;l :oii your b1E.4g staler:e7-t by rain g payments or r 'virxpp Credos. However, t you paid the New Balance on your pratious biding statement by the Payment Due Date shown
-r,'in3r b:l§ng statement :e w? :rat imp; se Periodic Final a Charges at new purchases, that is, purchases first app kin; or the current billing statement, or any portion of a new
l:-.,: it, :e, pad by fhe Payment Cue Dale on your current ding statement. We co f this die -grave period. There is no gr ;e period an balance transfers or cash advances. As more
:dry '.scribed in the sr ion of Your Carimerdur Agreen ant tided'How We Apply Payments. n, generally apply payments to yourAccourt based on the Annual Percentage Rate
ipi', c-Ne to tie bi+lance cl ead; :enaction category. T means tat if you do riot pay ire hlehw Baarce art the current h>i I;ng statement by die Payment Due Dale shown on that billing
scat o:xrt. then. --demits tg tin file amount of your pay it and ihb Annual Percentaei Rates on other balances, you may not get a grace period on new purchases.
Minimum finance Charge. `Iva w!y charge you a minknu FINANFE CHARGE of $53 for any billing period in vbK h Periodic Finance Care's of less than $.50 would othe wise be
Annual Feel , r Ac r ri h e a:hn is toe it will ; F Red at t'e t ea h :ng cf each anniversary, year ;tur Accou d is open The armour of die fee appears on the statement when the
p Jr Ar Aunt vntlan 30 dry, :: h* rn li.t7 ot dr4jm. y date -f the ;talem?nt on ehir!, b.
tIiv .,.vi _V* U`le?.. yiit!,cy;,dC-u1d;,(.Mtrial [Wnxd.
PerWic Finance Charges. Yve- son y: rr ha sar inns in gfwp of purchases. cash advances, and balance transfers and then further sort die transactions within each group by
1; toil .Ae-_ ai Pe rcentage hate. For example, purchases s t to promotional rte aid purchases subject to a standard rate would be separate groups. We refer to these groups as
ti4action categories. AtIne tin M1 :l ek i? t irrg period, k comp - Lab;,, :s and Periodic Finance Charges for each day of the biting period for each transaction category. We use the
vr!.r:u•g-oquatior:ota'{nEaPe: :l;FnanceChar(eti each arsactioncalagdm/:
(A,r' Baianceitimes ida%s in bri!ing period) tine (Daifu criu cfin Pat-).
'you7W.Chartle Summary on your ing st , t for these:: amounts. Then we add up the Periodic Finance Charges fox each transaction category to r the
trt, Periodic FinanceGiargns k your Account The Av Da B,i al'rk shown as zero t, because of the grae period, no Periodic, Finance Charges apply to the balece in a
trwrsactiot category. Trr?.Oatly Pen x.c Pale is V 34551h tie pondiry An; sal Percentage Rate.
VVe use the Average Daily Balance iincluding new trans )r.,.,?.s c! c ;soling the balance upon x1uh we impose Periodic Finance Charges. We comp rte the Average Daly
61- roe for each Jarsx.!k)n cite gory by ;riding up at th daily in Ltil ng period for a transaction category and dividing the total by tl a number of days hh the billing period.
y b; F,rs::ddirg Ow following to the previous
,?day's ,1daily balance: transactions with a Transaction Date of that
dorm . shovm m yens t,e Ord std rh )not, unless rile Vans . is p I , to your f ,count after the close of the billing rr W in which it occur,,, in which case the Iransaction will be added
to ie daily balance as o:' tier xst d y rl In( biding period *,rich is posted :b vc urAccount, fees charged that day and Periodic Finance Charges accrued on the previous day's dally
L: can. and by then subimclinq aly Crod;t and pays - that Will!
applied ag !? sl the balance of the transaction category on that day. In caUIarng tie daily balance for the first day of
rte oZng period, we consFder the 'pre soup day's daily It nee' (o! have been your balance for each transaction category our tote last day of your previcxns billing period.
All 4c,. charged to you Ac axirn ate ceded 7o the sta aria furchh*e trarsa:' ;a category with the exception of Cash Advance Transaction Fee Finance Charges vithich are added to the
r;Mf. r)t`'R -ash admmi aarrsacucn ?arrgory and Trans* Trans: I:on Fee Finance Charges which are added to the applicable balance transfer transaction category
for TDD (Telecommunications Device for the Deaf) please cat 1.800.347.7/49.
9ccier may mottuor snt'cr re-oii ie,phoie cads bete you ilrid Discover representatives for aual-ty assurance purposes.
6;;x0'0 Th- Oiscover" card R issued by Discover Bank, fvlmber FflIC PA0210
DISCOVER
It pays to FRED HARRISON
DISCOVER Account number ending in 4604
page 2 of 2
Finance Charge Summary
Nominal Other
Average Daily ANNUAL ANNUAL Periodic Fee
Daily
current billing period: 30 days Balances Periodic
Rates PERCENTAGE
RATES PERCENTAGE
RATES FINANCE
CHARGES FINANCE
CHARGES
Purchases $0.01 0.04449% 16.24% V 16.24% $0 $0
Past Purchases $5,137.32 0.05819% 21.24% V 21.24% $89.66 $0
Cash Advances $3,271.35 0.08216% 29.99% V 34.16% $80.63 $12.50
Balance Transfers $37716 0.04449% 16.24% V 16.24% $5.03 $0
V = Variable Rate
Information For You
* * * ATTENTION * * * Your account is past due. Please pay the past due amount now, or contact us to make other
arrangements.
Safeguard your identity. Identity Theft Protection provides daily 3-bureau credit reports monitoring and alerts you of key
changes that may help you identify potential fraud. Visit Discover.com/identitytheftprotedion to learn more or to enroll.
Need Cash? Whether it's for an unexpected bill or an emergency car repair, Discover(R) Card con always help. Get cash
at ATMs nationwide or have money deposited directly into your bank account. Visit Discover.com/cash to find out more.
9133174
Questions? Visit www.Discover.com or
call 1-800-DISCOVER (1.800-347-2683).
DISCOVER
9133174
DISCOVER $8,502.74
Ce
02 SDSN6A01 0018560
FRED HARRISON
237 SOUTHSIDE DR
NEWVILLE PA 17241-8950
Minimum Payment Due Account Number ending in 4604
$205.00 Enter Amount Enclosed Below
Payment Due Date $
June 28, 2010 pay online at www.Discoym.com or make check
payable to Discover Phone and internet
payments must be made by 5:00pm ET for some
day posting.
Pay-On-Time Bonus(SM) Update: I on-time
payment was received. Simply make 5 more
on-time payments in a row to earn a
Pay-On-Time Bonus!
PO BOX 71084 illhhrllusllnnslhllnlri
CHARLOTTE NC 28272-1084``
Address, e-mail or telephone change? (110111,111111((1111tt(llltlflll itl(ltllkill 11"I11iltlt(loll
Go to www.Discover.com or print change in space above.
000001986458660225513085027400600000020500
Opening Date: May 3, 2010 - Closing Date: June 2, 2010
Discover MotFva Card Account Summary
Account number ending in 4604
Previous Balance $9143.61
Payments And Credits 825.00
Purchases + 0.00
Balance Transfers + 0.00
Cash Advances + 0.00
finance Charges + 184.13
Other Fees t + 0.00
New Balance $8,502.74
See Finance Charge Summary section following transactions
for detailed APR information
Credit line $9,000.00
Credit Lure Available $497.00
Cash Advance Credit line $2,300.00
Cash Advance Credit Line Available $23.00
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 Bonuse Anniversary Month
August
Opening Cashback Bonus Balance $ 712
New Cashback Bonus This Period + 0.00
Coshback barmrs Balannce $ 7 12
To learn more, login of www.Discover.mm and select Rewards
page 1 of 2
Payment Information
New Balance $8,502.74
Minimum Payment Due $205.00
Payment Due Date June 28, 2010
late Payment Wamirg: 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
21.24% variable.
Minimum Payment Warning: If you make only the minimum
payment each period, you will pay more in interest and it will
take you longer to pay off your balance. For example:
f yoti make ix You will payoIF r . And you 'N411 end
fanal charges the balance shown tip paying
w this card 6n>d on this statement estimated total of
xnvolh.ykq pay_ . in'abovt:
Only the minimum 34 years $53,355
payment
1 $336 3 years 1 $01
=41,254 )
Fs-Z'
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.Dismver.com
1 Access your account securely at www.Discover.com Access Free online tools like Paydown Planner to create a plan
2. Call 1-804DISCOVER (1-804347-2683)
Please have your Discover® 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 Make your money worth moresm-find easy ways to earn
, and redeem cash rewards
For TDD (Telecommunications Device for the Deal)
assistance, please cog 1-800-347-7449 NEW Access your account securely through your
mobile phone
Transactions
Trans. Post
Date Date
Payments and Credits May 7 May 7 PAYMENT THANK YOU
May 23 May 23 PAYMENT THANK YOU
$ -225.00
-600.00
See reverse side.
DISCOVER
tmportam Mformatioo. O there is nor= :an one Page to
See your Cardmember Agreement. lieu Caribr ember I
Lost or stolen cards. Rerrirl innned,4ely! Can 1-NO-34
Billing Rfalds Summary. In Case of Errors or
Dunestkn s
s, pi ram sheet of pier al 0scover. PO Ben tfd27, San I
wt: :h he error or problem appeared. You an Wiaphara i
1:aur name and Account number
T he dr.Jar amount of Ps suspected error
D.ac rlne line error and explain. if you ::s. why you bale
Y,h3oo uchavetopayany Tiivurtinqurs6onwhiRwea
n. we cannot report you as delinquent stake any;
Soecial Rule for Credit Card Purchases: If yo-• have a y
One pr: hkrrh ml h the macho 1. you may .of have to pay It
i .. 0x -urdia9a vies mad. in your home stale o r within septiccs. all purchases are covered regardless of tW all.
Payments. Send only your payment and the lop porn, m a
use idurmabon on your trek to make ar alectron.r kahd
If payment is processed as an electronic hind transfer the
bawls may be rMhdrawn from your account as soon as thr
The pru:assirg of your payment may be delayed :f year se
nri ± a otMx than the are provided. Pay, nt. rn•?ed
mre;ved at our processing iaclity after 5Ph! it fine will
6103. Carol Steam, IL 60191-6103. Please allow 7-10 da
You ca pay your mlamurnPayment or agreaferanrrante
bank acmuM infrxtnaticn. You must -n re that suifi cKd 1
5 dg -: of your aoctant sum:en1 ZIP code. By errerfrK :
raym-t you auhorize from your bank ar Xwrit and to ink
[ell us .e amanl of Pact. payrrcnl a you an 30&-l an a
oust receive notice at kbi three business days in advanc
paragraph. If your ; aymeaL vary in amcari, wrE :vii tell ya
be less than ixi:,t abed or tine n". 11,1y slalenw-nt based on
Credit Reporting. t e n ,y :twit i torrna7 on about yourF
Wa nornuhthf relpu1 the status and pp,,n:cn. Nstory i
os a we akw.,irg address: Dricover. PO Box 15316, Wiln
G.-ice Peric d on Purchases (at least 25 days We begi
atenh :t ur+ess a ton: -li)n posted to your Aar ir:t i
;nsrs_ ion from the first dayd the biding period it which k
s!.: ;wt on you: bh k 1g statmnt by maw-.9 payments or:a
on that billing statement. we will net impose Pcrodic Fin w
pia itase pad by the Pay; volt Due Date on your canard
fully rlis i trd in ilia st. , of your Cardirember Agree
api:k ible to iiw balance of each transaction caterr T!i
sta-em,2M, Then, depending on the amount of your pay,
it. see eha back of each page for additional impottard infonmaticxt.
at he tenor of your ACCOUnt.
YcurPill : It you think your U! is wrong, or if you need more information atxxrl a transaction on your bGl, write it) us oh a
City, 64130-0421. as sown as possible. We must hear from you no fatty than 60 days after we sent you the first bill on
doi S so will not preserve your rights. In your letter. give us the (clawing inVniatfon:
m
0
Here s e roc !f you net d mat information. describe the Arm you are unsure about.
invest+^ beg, but you are skN zkjated to pay he pans of your bill that are nob in question. While we investigate your
b the amount you question.
wfth the quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct
.-?9 antmmt due on !he goods or se:.6c s. You have this protection only when the purchase price was more than $50
miles d ytw mad?rg address. (I! we own or operate the merdrant, or if we mated you the advertisement for the goods or
or beata7 of pWidlase.)
staffe" in the envelope provided. Do not send cash. By sending your check as described above, you authorize us to
your account at the financial institution radiated on your check or to process the payment as a check transaction.
v4h be for the amount of the check. When we use information from your r heck to make an electronic fund transfer,
datf we receive your payment. and you will not receive your check back from your financial ins6hd on.
cash, correspondence or other hems with your payment, if you send the payment to any other address or if you use an
proper n at out pm%swq facility by SPM local time on any day will be credited to your Account as of that day. Payments
credrelf to yow Aaxvbnt as of the next day. If you have nnsplaced your envelope, send your payment to discover, PO Box
for de-wy.. If yr, ur payment is returned unpaid, we reserve the right to resubmit ft as an electronic decd
oe tdepnione. and you can set up automatic payments. Cad us at 1-800-347.2W You will need this statement and your
our Wailabla in your bank account and all transactions awl comply with VS. law. You will be asked to provide the first
tnrur4les a9 your electronic signature, you wfd be agreeing to this authorization to allow us and your tank to deduct each
lie debit or credit ei ties to your bank account. as applicable , to correct an error in the processing of such payment. You must
ount such as the FAnrmum Payment Due or the New Balance on each statemen' You can cancel a payment however wt
of the scheduled payment You may notify ur by phone at 1 f100-347-2693 or by mall at the address fisted in the previous
on eachmonehly statement ivnen your paymi .nl will be made and how mxh it will be Your automatic payment amount may
refits orpayrnents a lied dur:'rg the tilling cycie.
xont tee credit bureaus. Late payments, missed payments, or other defaults on your Amount may be reflected in your credit
f yourAOceunt to cretin '-pcx'hn9 agencies each month. If you believe that our re"M is inaccurate or incornplete, please write
ngion. LIE 199505316. Please include your name, address, hone telephone nurd:er and Amount number.
10 imooffe Periodic Finance Charges on all transactions from the Transaction Date for the transaction shown on your filling
ler the dose of Inc. billing period in which 1 occurs, in which case we begin to impose Periodic finance Charges on that
9 pasted to your Ac=rd. We car inue to impose Periodic Finance Charges unbi the date you pay your entire New Baance
*AM WAts. fkn,eve. if you pad the New Balance on your previous billing statement by the Payment Due Dam shown
it ghats on new purchases. that is, purchases bust appearing on the anent biding statement. or any portion of a new
Iing srid?aei?`he?nf We cS. his the 'grace period. There is no grace period on balance transfers or cash advances. As more
tt*d t rU vWe Apply Payments,' we generally apply payments to yarr Account based on the Annual Percentage Rate
means that if you do not pay me New Balance on the anent bidilg statenen1 by the payment Due Date shown of that billing
and CrtAnnual Perce-*aage Rates on other balances. you may not gat a grace period or. new purchases.
Minimum Fnan ce Charge. War vii charge you a mix:urn` FINANCE CHARGE of $.50 for any tiling rariod in YAwti Periodic Finance Chard of less than 3.50 would otherwise be
irrposed.
Annual Fee. it yrur Ace xrn'. has a. annual fee. it will be' air he *iginning of each anniversary year your Aaiun! is open. The amount, o'the fee appears on the statement when he
r is t 1m, TI-r u iLLI rd al?nd?zL..; yea urn tha: o vtsh L -i -u! A: am v.$hm 30 days of [tie m !i.: f arc live v late of+'te s'meant on which the foci is
bflh6 You mll receive this refund even if you use roar C a during that per'i'od.
Periodic Finance Charges. We sort your hrsacly vs in' 9:0 pf purchases, cash advrr,res, and balance transfers anal the: fur!he std the transadircms within each group by
their Annual Pr_cerla re R ate For exanlpi , purchases s? to a promotional rate a: rt. ur 4rascs sublewt to a standard rate wcwid be separate groups. We refer to these groups as
irarhsaclicr e'ag3-?ruK. At t!.a -end of each besting period, co1wr baianc s and Peril:: Finance Charges for each day of the bitting period for each transaction category. We use the
f llcwing equation k Cep rare Pe isi Finn ce Charges each transaction category:
(Ai,ara:)e Daily 8?starx7e) wtiimes (days in bilbg perod) Ir (Daly Neriodic R,nte).
'fc ; rnay?eE%utJ ?arreace Char ge Sun unary on your
bON statgnter t to t ese amounts. Then we add up the Periodic Finance Charges for each transaction cafeaory to et the
tat. P(rkantc Finance Charge, for your Accent. Th : Av Deil j• Balance is strewn as zero 0, because of the grace period, m periodic Finance Charges apply to the balance in a
h: nsadion category The Daily Period'. Rate is 1:17,51h cue Gn fsp rig Annual Fercent3ge Rate.
We use the Average Daily Balance tuxluclng now:ran ) motrod of calculating tw_ balance upon which we impose Periodic Finance Charges. We compute the Average Daily
9>iarn:a wx • arih traresaeavt cat.;gory by .tiding up all It daily balances it a billing pe cod for a transaction category and dividing the Intel by the number of days in he biding period.
We cuhhpaa; the •daly bola: x'_x each bansacti:n peg ooh eath day by first adding the frlbring to the previous day's daily balance: transactions with a Tranti action Dale of that
day as strewn corn yarr billing statenxmt uhiess he ' is posted to yourAaaurt after fee close of the billing period in which it occurs, in, which case the transaction vac be added
to hhe daily balance as of the first (lay of the being period W irlh 1 is posted to your Acciajnt, fps charged that day and Pe; irdlo Finance Charges accrued on the previous day's daily
tai3n. and by then subtracti a any ored:h and payments that ag applied aglaitsi m balance of the transaction category on that day. In calculating the daily balance for the first day of
hF tvk rig pt-dad. We consider lire prevh ;us days daily 6 tghave been your balance for each transaction category on the last day of your previous btidirrg period.
All fees charged to yur Account are add e to the st- hd purcaise trarsacrFan category with the exct ptfal of Cash Advance Transaction Fee Finance Charges which are added b the
appkable cash advance fransacbon ilegor and Babri Trans* Transaction Fee Finance Charges Arch are added to the applicable balance transfer transaction category.
For TDD (Telecommu icatons Device for the Deal) aiiiiishmA, please call 1-d00.347.7419.
Discover may monitor andior record le!_phore cafis you ind Discover representatives for quality assurance purposes.
201: The Discovery card is issued by Discclver Bank. FD`IC PA0210
1
F-- ----]
DISCOVER It pays to FRED HARRISON
DISCOVER Account number ending in 4604
Page 2 of 2
Finance Charge Summary
Nominal Other
Average Daily ANNUAL ANNUAL Periodic Fee
Daily
current billing period: 31 days Bala
c
s Periodic
R
t PERCENTAGE
RATES PERCENTAGE
RATES FINANCE FINANCE
n
e a
es CHARGES CHARGES
Purchases $5.10 0.04449% 16.24% V 16.24% $0.07 $0
Past Purchases $5,223.87 0.05819°! 21.24% V 21.24°,6 $94.23 $0
Cash Advances $3,445.72 0.08216% 29.99% V 29.99% $87.76 $0
Balance Transfers $150.46 0.04449% 16.24% V 16.24% $2.07 $0
V = Variable Rate
9133174
Questions? Visit www.Discover.com or
call 1-800-DISCOVER (1-800-347.2683). DISC*VER
9133174
DISCOVER
F- --- -- 1
New Balance Minimum Payment Due
$8,470.59 ( S 193.00_
Payment Due Date
July 28, 2010
02 SDSN6A0t 0018561
FRED HARRISON
237 SOUTHSIDE DR
NEWVILLE PA 17241-8950
Account Number ending in 4604
Enter Amount Enclosed Below
11
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.
ParOn-Time Bonus(SM) Update: 2 onMme
payments have been received. Just make 4
more on-time payments in a row to earn a
Pay-On-Time Bonus!
PO BOX 71084 lllnnllrrnllrnurlnll??lrl
Address, e-mail or telephone change?
Go to www.Discoyer.com or print change in space above.
CHARLOTTE NC 28272-1084
Ittlt)ItIIIIIltllnIIIIII(I/1((Il/ll(Illllltt((IIIII(IrltlII
000001986458660225513084705900000000019300
Opening Date: June 3, 2010 Closing Date: July 2, 2010
Discover Motiva Card Account Summary
Account number ending in 4604
Previous Balance $8,502.74
Payments And Credits 205.00
Purchases + 0.00
Balance Transfers + 0.00
Cash Advances + 0.00
Interest Charged + 172.85
Fees Charged + 0.00
New Balance _
$8,470.59
See Interest Charge Calculation section Following
transactions for detailed APR information
Credit Line $9,000.00
Credit line Available $529.00
Cash Advance Credit Line $2,300,00
Cash Advance Credit Line Available $23.00
You may be able to avoid Interest Charges, see Additional
Important Information for details.
Bonuse
Opening Cashback Bonus Balance
New Cashback Bonus This Period
Cashbadr Bonus Balance
To learn more, log in at www.Discover.com
Anniversary Month
August
$ 712
+ 0.00
--$ 712
3 Easy Ways to Contact Us
1 Access your account securely at www.Discover.com
2. Call 1.800-DISCOVER (1-800-347-2683
Please have your Discovere card available.
3. Write to us at Discover, PO Box 30943,
Salt Lake City, UT 84130 (Not a payment address)
For payments, please send to address on remittance or
Discover, PO Box 6103, Card Stream, IL 60197.6103
For TDD (Telecommunications Device for the Deal)
assistance, please call 1-800-347-7449.
page 1 of 2
Payment Information
New Balance $8,470.59
Minimum Payment Due $193.00
Payment Due Date July 28, 2010
Late Payment Warning: IF we do not receive your minimum
payment by the date listed above, you may have to pay a late
Fee of up to $39.00 and your purchase APRs for new
transactions may be increased up to the Penalty APR of
21.24% variable.
Minimum Payment Warning: IF you make only the minimum
payment each period, you will pay more in interest and it will
take you longer to pay off your balance. For example:
F yoit
?t
d
Fti iso Youw
if }say off And ytttf vwill end:
" ?
'
?
tl .
A -
the bal. ance shown UP paying an
ng tl d ac?d . on this stateril. t. e>isimate (! 41 Qf
in about.
Only the minimum
Payment 34 years $53,120
$335 3 years 12.071
Isavings = $41,049 )
IF you would like information about credit counseling services,
call 1-800-3A7.1121
Manage Your Account Online at www.Discover.com
• Access free online tools like Paydown Planner to create a plan
to y down your balance, securely access statements, pay
billpas online and easily track all transactions
• Make your money worth morel -find easy ways to earn
and redeem cash rewards
• NEWI Access your account securely through your
mobile phone
411 ji'll 14
ransa 'ons
Trans. Post
Dab Date
Payments and Credits Jun 28 Jun 28 PHONE PAYMENT THANK YOU $ -205.00
Fees TOTAL FLIES FOR THIS PERIOD $ 0.00
lyderest Charged INTEREST CHARGE ON PURCHASES $ 92.07
INTEREST CHARGE ON CASH ADVANCES 80.76
INTEREST CHARGE ON BALANCE TRANSFERS 0.02
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER
Paperless statements mean less clutter, more convenience
Easily access up to 24 months of downloadable, password protected statements.
. See your statement as soon as it's available rather than wait for it to arrive in your mailbox.
• Get helpful payment reminders through e-mail or text messages on your mobile phone.
• Print a paper copy of your taterrient anytime.
• Sign up touay of Discovers /ppperless
,12010 Di-- Punk. Wmbz, FDIC
Transactions
Trans.
cont.) Date
interest Charged
2010 Torals Year-to-Date
9133174
TOTAL INTEREST FOR THIS PERIOD
TOTAL FEES CHARGED IN 2010
TOTAL INTEREST CHARGED IN 2010
PAPER 03 10
rn
co
z
0
0
0
W
$ 172.95
$ 51.50
1,234.13
Questions? Visit www.Dis er.oom or DISCOVER
call 1-800-DISCOVER (1-800-3 7-2P83).
DISCOVER
r - -
It pays to FRED HARRISON
DISCOVER Account number ending in 4604
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
Pan Purchases
Cash Advances
Balance Transfers
V = Variable Rate
R (APR) PERCENTAGE
RAATEE
16.24% V
21.24% V
29.99% V
16.24% V
BALANCE SUBJECT TO
INTEREST RATE
$0.05
$5,273.59
$3,276.68
$1.73
INTEREST CHARGE
$0
$92.07
$80.76
$0.02
Additional Important Information
See your Cordmember Agreement. Your Cordmember Agreement contains all the terms of your Account.
Lost or stolen cards. Report immediatelyl Cal 1-800-347-2683.
What To Do If You Think You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at: Discover PO Box 30421 Salt Lake City, UT 84 1 30-042 1
In your letter give us the following information:
Account information: Your name and account number
Do ar amount: The dollar amount of the suspected error
• Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe
B is a mistake.
You must contact us within 60 days after the error appeared on your statement.
You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any
potential errors and you may have to pay the amount in question.
While we investigate whether or not there has been an error. the following are true:
We cannot try to collect the amount in question, or report you as delinquent on that amount.
The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if
we 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
clue goo on d thfaithe purchase. the problem with the merchant, you may have the right not to pay the remaining amount
d
To use this right, all of the following must be true:
1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and
the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was
based on an advertisement we mailed to you , or if we own the company that sold you the goods or services.)
2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a
check that accesses your credit card account do not qualify-
3. You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:
Discover PO Box 30945, Sant Lake City, UT 84130.0945
While we investigate, the some rules apply to the disputed amount as discussed above. After we finish our
investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we
may report you as delinquent.
Paynusrrfs. Send only your payment and the top pion of this statement in the envelope provided. Do not send cash. By
sending your check as dexribad above, you authorize us to use information on your check to make an electronic fund
transfer from YYour occount of the financial institution indicated on your check or to process the payment as a check
transaction. It payment is processed as an electronic fund transfer, the fransler will be for the amount of the check. When we
use information from your check to make art electronic Fund transfer, funds may be withdrawn from your account as soon as
the same day we reserve your payment, and you will not receive your check back from your financial institution.
The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you
send the payment o 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. Payments
received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you have
misplaced your envelope, send your payment to Discover, PO Box 6103 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 minimum payment or a greater amount over the telephone, and you can set up automatic payments. Call
us at 1-800 347-2683. You will need this statement and your bank account information. You must ensure that sufficient
funds are available in your bank account, and all transactions must comply with U.S. law. You will be asked to provide the
first 5 digits of your account statement ZIP code. By entering those numbers as your electronic signature, you will be agreeing
to this aulhorizahon 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 applicable, to correct on error in the processing of such payment. You must
tell us the amount of each payment or you can select an amount such as the Minimum Payment Due or the New Balance on
each statement. You can cancel a paymerd; however we must receive notice at least three business days in advance of the
scheduled payment . You may noti ill us by phone at 1-800-347-2683 or by mail at the address listed in the previous
p
ar ph. If your payments vary in amount, we will tell you on each monthly statement when your payment will be made
andarwmuch it will be. Your automatic payment amount may be less than indicated on the monthly statement based on
credits or ants applied during the bil ring cycle.
GddR?G?g. We may report information about your Account ro credit bureaus. late payments, missed payments, or
other de ults on your Accourd may be reflected in your credit report. We normally report the status and payment history of
your Account to credit reporting agencies a«h month. IF you believe that our report is inaccurate or incomplete, please write
urs at the folowing address: Discover, PO Box 15316, Wilmington, DE 19850-5316. Please indicate your name, address,
home telephone number and Account number
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER
Paying I -Invest We begin to impose I est Charges on all transactions from the Transaction Date for the transaction shown
on your billing statement, unless a Iran action is posted to your Account after the close of the billing period in which it occurs,
in which case we begin to impose into *0 chbrges on that transaction from the first day of the billinttgg ppeeriod in which it is
posted to your Account. We continue o impose Interest Charges until the date you pay your entire New Balance shown on
your bill-ng statement by making pay s or receiving credits. If you paid the Naw Balance on your previous billing
statement 6y the Payment Due bate shown on that billing statement, we will not impose Interest Charges on new purchases,
that is, purchases first appearing on th, current billing statement, or any portion o a new purchase, paid by the Payment Due
Date on your current billing statement. I We call this the "grace period. It is not less than 25 dayyss There is no Brace period
on balance transfers or cash advancesAs more filly described in the section of your Cordmember Agreement tttlad "How
We Apply Payments," we generally at;ply payments to your Account based on the APR applicable to the balance of each
transaction cateoorv. This means it ffbfff you do not aov the New Balance on the current billirb statement h., IhA P,,.,,.. i n e
may not get a grace period on new purchases.
Minimum Interest Chargge. We will chdrge ou a minimum Interest Charge of $.50 for any billing period in which Interest
Charges of less than $.SO would otherr+use be imposed.
Annual Fee. If your Account has an a rtwal fee, it will be billed at the beginning of each anniversary year your Account is
open. The amount of the fee appears n the statement when the fee is b led. The annual fee is not refundable unless ou
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 efren if you use your Card during that period.
Flow We Calculate Interest Charges ily Balance Method (including current transactions): We figure Interest Charges for
each billing period. To do this:
We calculate your Interest Ch gas separately for each balance subject to different terms (for example, standard
purchases, standard cash odv es qnd each purchase, balance transfer and cash advance balance subject to
promotional terms). We refer these balances as transaction categories.
We figure the "daily balance" each transaction category. To get the "daily balance" we take the beginning
balance for each day, add an new transactions and fees and any Interest Charges accrued on the previous day's
daily balance. We then subtrc -t any-credits and payments and make other adjustments (including those
adjustments required in the s ion tilled "Paying interest"). In calculating the daily balance for the first day of the
billing period, we consider the "previous day's daily balance" to have been your balance on the last day of your
previous bulling period. This g s us the daily balance far 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 eat day in the billing period.
The total Interest Charges for billing period are the sum of the daily Interest Charges for each transaction
category for each day during at billing period.
When ws calculate daffy balances, w add q new transacton as of the Transaction Date shown on your billing statement,
unless the transaction is posted to your Account after the close of the billing period in which it occurs, in which case the
transaction will be added to the daily land as of the first day of the billing period in which it is posted to your Account. All
fees charged to your Account are add to the standard purchase transaction category with the exception of Cash Advance
Fees whit are added to the applicabl cas4advance transaction category and Balance Transfer Fees which are added to
the applicable balance transfer trans on category.
Foreign Cwnncy Fee: 2% of the U.S. Par ion of each purchase made in a foreign currency.
Penalty APRs Each time you fail to m e a payment when due, we may, in accordance with applicable law, (i) terminate the
availability of a introductory/ prom 1 14PRs on new transactions and (ii increase your APRs for new transactions to
variable Penalty APRs which will be inpd by add-nrgg up to an additionN percentage points to the otherwise applicable
APR. Your Penally APR is determined sect n your creditworthiness and other factors such as your current APRs, and your
account history. It your APRs for new nsadions oreincreased for a late payment, the Penalty APRs will apply indefinitely.
For TDD (Telecommunications Device f?r the Deaf) assistance, please call 1-800-347-7449.
Discover may monitor and/or record +lephone calls between you and Discover representatives for quality assurance
purposes-
DISCOVER
r--- -
New Balance Minimum Payment Due
$8,688.92 $432.00
Payment Due Date
August 28, 2010
02 SDSN6AO1 0018562
FRED HARRISON
237 SOUTHSIDE DR
NEWVILLE PA 17241-8950
Account Number ending in 4604
Enter Amount Enclosed Below
Please make check payable to Discover Card.
Minimum payment due includes a past due
amount of 5193.00. Phone and internet
payments must be made by 5:00pm ET for some
day posting.
Pk?ase see "Notice of Changes to
your Interest Rates' section
PO BOX 71084 11111fillet 111ru111llsrlrl
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? 11111{11116111111611111111111111111111111111f111111,1111111111
Go to www.Discover.com or print change in space above.
000001986458660225513086889200000000043200
Opening Date: July 3, 2010 - Closing Date: August 2, 2010
Discover Mot`rva Card Account Summary
Account number ending in 4604
Previous Balance $8,470.59
Payments And Credits 0.00
Purchases + 0.00
Balance Transfers + 0.00
Cash Advances + 0.00
Interest Charged + 179.33
Fees Charged + 39.00
New Balance $8,688.92
See Interest Charge Calculation section Following
transactions for detailed APR information
Credit Line $9,000.00
Credit Line Available $311.00
Cash Advance Credit line $2,300.00
Cash Advance Credit Line Available $23.00
You may be able to avoid Interest Charges, see Additional
Important Information for cletails-
Cashback Bonuse
Anniversary Month
August
Opening Cashback Bonus Balance $ 712
New Cashback Bonus This Period + 0.00
Cashback Bonus Balance $ 712
To learn more, log in of www.Discover.com
Payment Information
New Balance
Minimum Payment Due`
Payment Due Date
`Includes past due amount of $193.00
I VI L
$8,688.92
$432.00
August 28, 2010
Late Payment Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay a late
fee of up to $39-00 and your purchase APRs for new
transactions may be increased up to the Penalty APR of
21.24% variable.
Minimum Payment Warning: If you make only the minimum
payment each period, you will pay more in interest and it will
take you longer to pay off your balance. For example:
if
yqu=±+tohe r+o °
You woo pay off?fie
And yov vim' end .'
dditiarlal_ balance shown on vp payltl8.an
using tam end statement in estimated total of
eac
h M."i
about,
Only the minimum 34 years $52,944
payment
If you would like information about credit counseling services,
call 1-800-347-1121
3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com
1 Access your account securely at www.Discover.com
2. Call 1-800-DISCOVER (1-800-347-2683 1
Please have your Discoverecard available Access free online tools like Poydown Planner to create a plan
to pay down your balance, securely access statements, pay
b
ll
l
.
3. Write to us at Discover
PO Box 30943 i
s on
ine and easily track all transactions
,
,
Salt Lake City, UT 84130 (Not a payment address)
• Make your money worth moresm-Find easy ways to earn
For payments, please send to address on remittance or and redeem cash rewards
Discover PO Box 6103, Carol Stream, IL 60197-6103 • NEW) Access your account securely through your
For TDD (Telecommunications Device for the Deal) mobile phone
assistance, please call 1-800-347-7449
ransactions
Fees
Trans. Post
Date Date
Jul 28 Jul 28 LATE FEE
39.00
TOTAL FEES FOR THIS PERM 39.00
In West Charged INTEREST CHARGE ON PURCHASES $ 93.76
INTEREST CHARGE ON CASH ADVANCES 85.57
INTEREST CHARGE ON BALANCE TRANSFERS 0,00
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC*VER
Paperless itateme is !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.
i
. Get helpful payment remin rs through e -moil or text messages on your mobile phone.
. Print G pager copy of your tatement cnytime.
• Sign up today a[ Discover.c?/Popel less
i
' 2010 Di-, Ronk. hkna.e, FDIC j - PAPER.0310
Transactions
Trans.
cont.) Date
mterea Charged TOTAL INTEREST FOR THIS PERIOD S 179.33
2010 Totals Year4o-Date
TOTAL FEES CHARGED IN 2010 S 90.50
TOTAL INTEREST CHARGED IN 2010 1,413.46
9133174
Questions? Visit www.Dis .com or DISCOVER
call 1.800-DISCOVER (1 t37 2683.
CIO
0
m
Z
rn
D
0
0
0
a
m
N
0
v
DISCOVER
It pays to FRED HARRISON
DISCOVER Account number ending in 4604
page 2 of 2
L!
Notice of Changes to Your Interest Rates
You have triggered the Penalty APR of 18.240/. on new transactions. This APR will vary
with the market based on the Prime Rate.* This change will impact your account as
follows:
Purchases made on or after 8/22/10: As of 10/3/10, the Penalty APR will apply to
these purchases (unless a promotional rate applies). We will keep the APR at this level
indefinitely
Purchases made before 8/22/10 and other transactions: Current rates will continue to
apply to these purchases and transactions.
*This Annual Percentage Rate ("APR") equals the U.S. Prime Rate + 14.99%
(corresponding daily periodic rate of 0.04997%).
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 BALANCE SUBJECT TO INTEREST CHARGE
Purchases RATE (APR) NfTEREST RATE
16.24% V $0 $0
Past Purchases 21.24% V $5,197.22 $93.76
Cash Advances 29.99% V $3,359.79 $85.57
Balance Transfers 16.24% V $0.02 $0
V = Variable Rate
Additional Important Information
See your Cardmember Agreement Your Cardmember Agreement contains all the terms of your Account.
Lost or stolen cards. Report immediately! 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 Salt Lake City, UT 84 1 30-042 1
In your Ieffer_ 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 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 fry to collect the amount in question, or report you as delinquent on that amount.
We chorge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if
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 ff You Are Dissatisfied IA/ith 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
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 usedyour 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 84130-0945
While we investigate, the some rules apply to the disputed amount as discussed above. After we finish our
91331',rsttgahon, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we
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
sanding your check as described above, you authorize us to use information on your check to make an electronic fund
transfer tram your account at the financial institution indicated on your check or to process the payment as a check
transaction. It payment is processed os on electronic fund transfer, the transfer will lie far the amount of the check. When we
use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as
the same day we receive your payment, and you will not receive your check back from your financial institution.
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER
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 addressor if you use an envebpe other than the one provided. Payments received in proper
t at our processing Facility by SPM kcal time on any dayy will be credited to your Account as of that day. Payments
received of our processing Facility offer SPM bca! time will be credited to your Account as of the next day. If you have
misplaced your envebpe, send your poymentto Dixover PO Box 6103, Carol Stream, IL 60197-6103. Pksas? albw 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. Call
us at 1-800 347-2683. You will need this statement and your bank account information. You must ensure that sufficient
funds are available in your bank account, and all transactions must comply with U.S. low. You will be asked to ovide the
first 5 digits of your account statement ZIP code. By entering those numbers as yo electronic signature, you will be agreein
to this authorization to allow us and your bank to deduct each payment you authorizeurfrom your bank account, and to initiateg
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 New Balance on
each statement. You can cancel a ppayment; however we must receive notice at least three business days in advance of the
scheduled pa ment You may noting us by phone at 1-800-347-2683 or by mail at the address listed in the previous
paragraph. IF your payments vary in amount, we will tell you on each monthly statement when your payment will be mode
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.
Gedit Repar/ng. We may report information about your Account to credit bureaus. Leta payments, missed payments, or
other deFaulh on your Account may be reflected in your credit re rt. We normally report the status and payment history of
your Account to credit reporting agencies each month. If ou believe that our report is inaccurate or incomplete, please write
us at the folbwing address: Dixover PO Box 15316, WYlmington, DE 19850 531 b. Please indicate your name, address,
home telephone number and Account number
Paying Inlemsf: 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 billing tatatement by making payments or receiving credits. If you paid the New Balance on your previous billinngg
statement the Payment Due Date shown on that billing statement, we will not impose Interest Charges on new purchases,
that is, pure ses first appearing on the current billing statement, or cmX portion of 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 grace period
on balance transfers or cash advances. As more fully described in the section of your Cardmember Agreement titled "How
We A Payments," we generally ap payments to your Account based on the APR applicable to the balance of each
trton category billing means i r you do not pay the New Balance an the current billing statement by the Payment Due
Dale 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.
Minirnum Interest Charrgge. We will charge you a minimum interest Charge of $.50 For any billing period in which Interest
Charges of less than $.50 would otherwise 6e imposed.
Annual Fee. IF your Account has an annual Fee, it will be billed at the beginning of each anniversary year your Account is
open. The amount of the fee appears on the statement when the fee is billed. The annual fee is not ref in clable unless you
note 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.
Now We Calculate Interest Charges Daily Valance Method (including current transactions): We figure interest Charges for
each billing period. To do this:
We calculate your Iriturest Chwges separately for a«h balance subject to different terms (for example, standard
ser and cash advance balance subject to
purchases, standard cash advances Ind a«h purc h ase, baance tran f
promotional terms). We refer to these balances as transaction categories.
We figure the "daily bobnce" (oF ecich transaction category. To get the "daily balance" we lake the beginning
balance for each day, add any new transactions and Fees and any Interest Charges accrued on the previous day's
deify baance. We then subtract any credits and ppaayments and make other adjustmenh (including these
ad ustments required in the section filled "Paying lnteresf"). In calculating the doely balance for the first day of the
billing period, we consider the "previous day's daily balance . to have been your balance on the last day of your
previous billing period. This gives us the dally 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
category for each day during that billing period.
When we calculate 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
transaction will be added to the dailyJb9Icmce 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 transaction category.
Foreign Currency Fee: 2% of the U.S. dollar amount of each purchase made in a foreign currency.
Penalty APRs: Each time you fail to make a payment when due, we may, in accordance with applicable law, (i) terminate the
availability of an mhoductory/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 additionaA percentage 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. FF your APRs for new transactions are increased for a late payment, the Penalty APRs will apply indefinitely.
For MD (Tellecammurikations Device for the Deof) 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
YANNAfion For You
* * * ATTENTION * * * Your account is past due. Please pay the past due amount now, or contact us to make other
arrangements.
With tightening lending standards, it's never been more important to stay on top of your score- Credit ScoreTracker helps
you understand what may be affecting your credit rating. Visit Discover.com/creditscoretracker or call 1-866-256-4532 to
learn more or to enroll.
Questions? Visit www.Discaverx m or DISCOVER
call I.800-DISCOVER (1-800-347-2683).
DISCOVER
New Balance ` Minimum Payment Due
$8,897.70 I $661.00
Payment Due Date
September 28, 2010
02 SDSN6A01 0018563
FRED HARRISON
237 SOUTHSIDE DR
NEWYILLE PA 17241-8950
Address, e-mail or telephone change?
Go to www.Discover.corn or print change in space above.
CHARLOTTE NC 28272-1084
I111 1 II1 1 E114 1 1 11 1rLJ,IIII I I I I I IIIIIIIrlrrlIIaIIIlrrlrlIIII
Account Number ending in 4604
Enter Amount Enclosed Below
Please make check payable to Discover Card.
Minimum _payment due includes a past due
amount of 432.00. Phone and internet
payments must be made by 5:00pm ET for same
day posting.
It's easy to get a full month of interest back.
Simply make 6 on time payments in a row
and get the next month's interest as a
Pay-On-Time Bonus(SM).
PO BOX 71084 IIIrr?Ilrrrll??rr?Irllr?111
000001986458660225513088977000000000066100
Opening Dade: August 3, 2010 - Closing Date: September 2, 2010
Discover Motiva Card Account Summary
Account number ending in 4604
Previous Balance $8,688.92
Payments And Credits 0.00
Purchases + 0.00
Balance Transfers + 0.00
Cash Advances + 0.00
Interest Charged + 183.78
Fees Charged + 25.00
New Balance $8,897.70
See Interest Charge Calculation section following
transactions for detailed APR information
Credit Line $9,000.00
Credit tine Available 3102.00
Cash Advance Credit Line $2,300.00
Cash Advance Credit Line Available $23.00
You may be able to avoid Interest Charges, see Additional
Important Information for details.
Anniversary Month
August
Opening Cashback Bonus Balance $ 712
New Cashback Bonus This Period + 0.00
Cashbock Bonus Balance -- $ 712
To learn more, log in of www.Dinaver.com
page 1 of 2
Payment Information
New Balance $8,897.70
Minimum Payment Due* $661.00
Payment Due Date September 28, 2010
*Includes past due amount of $432.00
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 21.24% variable.
Minimum Payment Waming: 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
Fy§w make no You wilt payofF?the +lt cl you 15i? end
additional changes balance shown on vp paying art
sing this card and. thisstatement in estimated total of
each month you pay. , about:
Only the minimum 34 years $52,946
payment
3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com
1 Access your account securely at www.Discover.com
2. Call 1-800-DISCOVER (1-800-347-2683)
Please have your Discovers card available. * 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
3. Write to us at Discover PO Box 30943,
Salt Lake City, UT 84130 (Not a payment address)
• Make your money worth morel-find easy ways to earn
For payments, please send to address on remittance or and redeem cosh rewards
Discover, PO Box 6103, Carol Stream, IL 601 97-6 1 03 NEWI 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
Date Date
Fees Aug 28 Aug 28 LATE FEE
TOTAL FEES FOR THIS PERIOD
25.00
25.00
Interest Charged INTEREST CHARGE ON PURCHASES $ 96.00
INTEREST CHARGE ON CASH ADVANCES 87.78
INTEREST CHARGE ON BALANCE TRANSFERS 0,00
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER
Paperless statements mean less clutter, more convenience
Easily access up to 24 months of dbwnloodable, password protected statements.
• See your statement as soon as it's available rather than wait for it to arrive in your mailbox.
• Gel helpful payment reminders through e-mail or text messages on your mobile phone.
• Print a paper copy of your statement anytime.
• Sign up today at Discoveccotn[paperless
i
i C''2010 Dl- Bonk, Member FDIC PAPER 03 10
Transactions
Trans. Post!
(corst.) Date Dam
Interest Charged TOTAL (MEREST FOR THIS PERIOD S 183.78
2010 Totals Year-to-Date
TOTAL FEES CHARGED IN 2010 $ 115.50
TOTAL INTEREST CHARGED IN 2010 1,54724
9133174
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Questions? Visit www.Diswvw.com or DISCOVER
call 1-800-DISCOVER (1.800-347r2683(
DISCOVER
I' pays ro FRED HARRISON
DISCOVER Account number ending in 4604
page 2 of 2
Interest Charge Calculation
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Current Billing Period: 31 days
TYPE OF BALANCE
Purchases
Past Purchases
Cash Advances
Balance Transfers
V = Variable Rate
ANNUAL PERCENTAGE
16.24% V
21.24% V
29.99% V
16.24% V
BALANCE SUBJECT TO
INTEREST RATE
$39.26
$5,291.81
$3,446.43
$0.02
INTEREST CHARGE
$0.54
$95.46
$87.78
$0
Additional Important Information
See your Cardmember Agreement. Your Cardmember Agreement contains all the terms 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 Statement
If you think there is an error on your statement, write to us at: Discover PO Box 30,421 Salt Lake City, UT 8 4 1 30-04 2 1
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 after the error appeared on your statement.
You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any
potential errors and you may have to pay the amount in question.
While we investigate whether or not there has been an error the following are true:
• We cannot try to collect the amount in question, or report you as delinquent on that amount.
The charge in question ma remain on your statement, and we may continue to charge you interest on that amount. But, if
to thdetermine that we made co mistake, you will not have to pay the amount in question or any interest or other fees related
to at 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 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. (Nate: 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 are met and you are still dissatisfied with the purchase, contact us in writing at:
Discover, PO Box 30945, Soft Lake Ci yi UT 84130-0945
While we investigate, the some rules apply to the disputed amount as discussed above. After we finish our
investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we
may report you as delinquent.
Payments. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By
sending= check as described above, you authorize us to use information on your check to make an electronic fund
transfer =check
account at the financial institution indicated on your check or to process the payment as a check
transaction. IF payment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we
use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as
the same day we receive your payment, and you will not receive your check back from your financial institution.
The processing of your payment maybe delayed iF you send cash, correspondence or other items with your payment, iF you
send the payment
Pr o any other address o if you use an envelope other than the one provided. Payments received in proper
Form at our ocessing
Facility by SPM local time on any dayy wiq be credited to your Account ors of that day. Payments
received aF our processing fanli}y after SPM kx al time will be credited to r Account as of the next day. If you have
misplaced your envelope, send your payment to Discover PO Box 6103 Carol Stream, IL 60197 6103. Please allow 710
days For delivery. If your payment is returned unpaid, we reserve the rig?it 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 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. law. You will be asked to provide the
first 5 digits of your account statement ZIP code. B entering those num rs ors your electronic signature, you will be agreeing
to this aufhorizahon to allow us and your bank to dye duct each payment you authorize from your bank account, and to initiate
debit or credit entries to you bank account, as applicable, to correcF an error fn tine processing of such payment. You must
tell us the amount of eac payment or you can select an amount such as the Minimum Payment Due or the New Balance on
each statement. You can cancel a ent; however we must receive notice at least three business days in advance of the
scheduled payment. You may noti us by phone at 1-800-347-2683 or by mail at the address listed in the Prev!ous
par aph. If your payments vary in amount, we will tell you on each monthly statement when your paymernt will be made
andow much it wi{I be. Your automatic payment amount may be less than indicated on the monthly statement based on
credits or onus applied during the bill iI ng cycle.
83 g. We may report information about your Account to credit bureaus. Late payments, missed payments, or
other de uks 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 believe that our report is inaccurate or incomplete, please write
us of the folowing address: Discover, PO Box 15316, Wilmington, DE 1 9850-5 3 1 6. Please indicate your name, address,
home telephone number and Account number
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER
Paying Wrest We in to impose Interest Charges on all transactions from the Transaction Date for the transoction 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 billing
Date shown on that bilhrg statement, we will not impose Interest Charges on new purchases,
statement by the Payment No
that is, purchases firs peering on the
current billing statement, or an?r portion of a new purchase, paid by the Payment Due
Date on your current bi ing statement. We call this the "grata 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 tinted °Hnw
We Apply Payments," we generaNy a y ants to your Account based on the APR applicable to the balance of each
transaction category This means that it 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 penod on new purchases.
Minimum Interest Charrggee We will charge you a minimum Interest Charge of $.50 for any billing period in which Interest
Charges of less than $.50 would otherwise be imposed.
Annual Fee. If your Account has an annual fee, it will be billed at the beginning of each anniversary veal your Account is
open. The amount of the fee appears on the statement when the fee is billed. The annual fee is not refundable unless you
notify us that you wish to close your Account within 30 days of the mailing or delivery dale of the statement on which the fee
is billed. You will receive this refund even if you use your Card during that period.
Wow We calculate Interest Charges Daily Balance Me" (including current transactions): We figure Interest Charges for
each billing period. To do this:
We calculate your Interest Charges separately for each balance subject to different terms (for example, standard
purchases, standard cash advances and each purchase, balance transfer and cash advance balance subject to
promotional terms). We refer to these balances as transaction categories.
We figure the "daily balance" for each transaction category. To get the "daily balance" we take the beginning
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 those
adjustments required in the section tiled "Paying Ierest"). In calculating the Baily balance for the first day of the
billing period, we consider the "previous day's daily balance" to have been your balance on the last day of your
previous billing period. This gives us the daily balance for each transaction category.
We figure the Interest Charges on your Account by 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 billirg 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 Date shown on your billing statement,
unless the transaction is posted to your Account after the close of the big' period in which it occurs, in which case the
transaction wig be added to the daily balance as of the first day of the bil rng 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 transaction category.
Foreign Cumcncy Fee: 2% of the U.S. dollar amount of each purchase made in a foreign currency.
Penalty APRs: Each time you fail to make a payment when due, we may, in accordance with applicable law, (i) terminate the
availability of any introductory/promotional APRs on new transactions and (ii) increase your APRs for new transactions to
variable Perally APRs which will be determined by adding up to an additional S rcentage points to the otherwise applicable
APR. Your Penalty APR is determined based on your creditworthiness and other fa tors such as your current APRs, and your
account historyt your APRs for new. transactions are increasedfor a late. payment., the Penalty APRs will apply indefinitely.
For MD (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
Information For You
When making payments, please send a check with your payment coupon to the address we provided on your statement.
This will help you avoid additional interest charges and/or late payments, as it can take additional time to process and
credit cash payments and payments sent to a different address. The Additional Important Information section on your
statement provides specific details.
* * * ATTENTION * * * We previously requested the past due amount on your account. We have no record of receiving
payment. The amount due should be paid at once.
9133174
Questions? Visit www.Diswv*r.com or DISCOVER
call 1 -800-DISCOVER (1-800.347-2683).
DISCOVER
New Balance i Minimum Payment Due
$9,114.70 $898.00
Payment Due Date
October 28, 2010
02 SDSN6AOt 0018564
FRED HARRISON
237 SOUTHSIDE DR
NEWVILLE PA 17241-8950
Account Number ending in 4604
Enter Amount Enclosed Below
$1 -
Please make check payable to Discover Card.
You are overlimit. Pay the sum of the monthly
minimum payment plus the overlimit amount of
$114.70.
It's easy to get a full month of interest back.
Simply make 6 on-time payments in a row
and get the next month's interest as a
Pay-On-Time Bonus(SM).
PO BOX 71084 Illr,rllrrrlluurlrllrrlrl
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? (u???l??(ni? lltn)i.??)n.(?I?u?(uln(nl?ul ?ln(????1?
Go to www.Discover.com or print change in space above.
000001986458660225513091147000000000089800
Opening Date: September 3, 2010 Closing Date: October 2, 2010
Discover Motiva Card Account Summary
Account number ending in 4604
Previous Balance $8,897.70
Payments And Credits 0.00
Purchases + 0.00
Balance Transfers + 0.00
Cash Advances + 0.00
Interest Charged + 182.00
Fees Charged + 35.00
New Balance 9 114.70
See Interest Charge Calculation section following
transactions For detailed APR information
Credit Line $9,000.00
Credit Line Available $0.00
Cash Advance Credit line $2,300.00
Cash Advance Credit Line Available $0.00
You may be able to avoid Interest Charges, see Additional
Important Information for details.
Anniversary Month
August
Opening Cashback Bonus Balance $ 0.00
New Cashbock Bonus This Period + 0.00
Cashback Baas Ba6Ke - $ ---0.00
To 6wn more, log in at www.Discover.com
page of 2
Payment Information
New Balance $9 114.70
Minimum Payment Due* $898.00
Payment Due Date October 28, 2010
*Includes post due amount of $661.00
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 23.24% variable.
Minimum Payment Warning: If you make only the minimum
payment each period, you will pay more in interest and it will
take you longer to pay off your balance. For example:
Ifysart'.rndltr You wllTpay <#.%O Ycnd"jcn wig and s
tiorw) charges bokince shown on up paying cm
mg thm card and this statement in estimated total o)
each montft You pay . about,
Only the minimum 34 years $53,162
paymertt
If you would like information about credit counseling services,
call 1-800-347.1121
3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com
1 Access your account securely at www.Discover.com
2. Call 1-800-DISCOVER (1-800-347-2683)
Please have your Discovers card available Access free online tools like Paydown Planner to create a plan
to pay down your balance, securely access statements, pay
b
l
l
.
3. Write taus at Discover PO-Box 30943 i
ls on
ine and easily track all transactions
,
Sah 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, Card Stream, IL 60197-6103 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
Date Date
Fees Sep 28 Sep 28 LATE FEE
TOTAL FEES FOR THIS PERIOD
35.00
35.00
Interest (urged INTEREST CHARGE ON PURCHASES $ 94.90
INTEREST CHARGE ON CASH ADVANCES 87 10
INTEREST CHARGE ON BALANCE TRANSFERS 0.00
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER
Paperless statements mean less clutter, more convenience
i
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
• Gel helpful payment reminders through e-mail or text messages on your mobile phone.
• Print o roper copy of your statement anytime.
1
- Sign up today at Discovercom/paperless
I
i 11
I
i
102010 Discover Book. Member FDIC PAPER 03 10
I
Transactions
Trans. Post
(cont.) Date Da'
J
Interest Charged TOTAL MTEREST FOR THIS PERIOD S 182.00
2010 Totals Year-to-Date
TOTAL FEES CHARGED IN 2010 3 150-50
TOTAL INTEREST CHARGED IN 2010 1,77924
1
9133174
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Questions? Visit www.Discover.com or DISCOVER
call 1-800-DISCOVER 1.800-347-2683).
DISCOVER
F It pays to FRED HARRISON
DISCOVER' Account number ending in 4604
i
page 2 of 2
Interest Charge Calculation
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Current Biting Period: 30 days
TYPE OF BALANCE
Purchases
Past Purchases
Cash Advances
Balance Transfers
V = Variable Rate
ANNUAL PERCENTAGE
RATE (APR)
16.24% V
21.24% V
29.99% V
16.24% V
BALANCE SUBJECT TO
INTEREST RATE
$64.96
$5,386.53
$3,533.84
$0.02
INTEREST CHARGE
$0.87
$94.03
$8710
$0
Additional Important Information
See your Cardmember Agreement. Your Cardmember Agreement contains all the terms 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 Statement
If you think there is an error on your statement, write to us at: Discover PO Box 30421 Sah Lake City, UT 8 4 1 34042 1
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 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 foNowing are true:
We cannot try 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 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, yyoou are responsible for the remainder of your balance.
We can apply any unpaid amount against your credit limif.
Your Rights M 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 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 youreredifcard 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 84130-0945
While we investigate, the some rules apply to the disputed amount as discussed above. After we finish our
investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we
may report you as delinquent.
Payments. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By
sending yyoouur check as described above, you authorize us to use information on your check to make an electronic fund
transfer Gam your account at the financier! institution indicated on your check or to process the payment as a check
transaction. It payment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we
use information from your check to make an electronic fund transfer. funds may be withdrawn from your account as soon as
the same day we receive your payment, and you will not receive your check back from your financial institution.
The processing of your payment may be delayed if you send cash, correspondence or other 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. Payments
received art our processing facility after 5PM local time will be credited to your Account as of the next day. If you have
misplaced your envelope, send your payment to Discover PO Box 6103 Carol Stream, IL 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 if as an electronic debit.
You can pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments. Call
us at 1-800 347-2683. You will need this statement and your bank account information. You must ensure that sufficient
funds are available in your bank account, and all transactions must comply with U.S. low. You will be asked to provide the
first 5 digits of your account statement ZIP code. B entering those numbers as you! electronic signature, you will be agreeing
to this authorization to allow us and your bank to deduct each payment you authorize from your bank account, and to initiate
debit oroxedit 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 New (Balance on
each statement. You can cancel a t; however we must receive notice at least three business days in advance of the
scheduled payment. You may noti .7; phone at 1-800-347-2683 or by mail at the address listed in the previous
parsgraph. 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
cppre??di??h or erns applied during the bi rp"ng cycle.
Wdlteg. We may re p art information about your Account to credit bureaus. Late payments, missed payments, or
other def-u
Its on your Account maybe reflected in your credit re We normally report the status anal payment hi?ory of
your Account to Cr
th edal reporting agenc ies each month. Ifyo u believe that our repprt rs inaccurate or incomplete, please write
us of the followin9.
dres.- Discover, PO Box 15316, VVilmirgfon, DE 198505316. Please indicate your come, address,
home telephone number and Account
number
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION D'SC*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 billi riod in which it is
posted to your Account. We continue to impose Interest Charges until the date you pay your entire ew Balance shown on
your billing statement by making payments or receiving credits. If you paid the New Balance on your previous bill"
ngg
statement by the Payment Due Date shown on that billing statement, we will not impose Interest Charges on new that is, purchases first appearing on the current billing statement, or anX portion of 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 Brace period
on balance transfers or cash advances. As more fully described in the section of your Cardmember Aggreement tided "How
We Apply Payments," we generally apply pments to your Account based on the APR applicable to the balance of each
transaction category. This means that I youaydo 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 penad on new purchases.
Minimum Interest Charggee We will charge you a minimum interest Charge of $.50 for any billing period in which Interest
Charges of less than $.50 would otherwise be imposed.
Annual Fee. If your Account has an annual fee, it will be billed at the beginning of each anniversary year your Account is
open The amount of the fee appears on the statement when the Fee is billed. The annual fee is not refundable unless you
notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the fee
is billed. You will receive this refund even if you use your Card during that period.
How 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 Changes separately for each balance subject to different terms (for example, standard
purchases, standard cash advances and each purchase, balance transfer and cash advance balance subject to
promotional terms). We refer to these balances as transaction categories.
We figure the "daily balance" For each transaction category. To get the "daily balance" we take the beginning
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 those
ad* stnts required in the section tided "Paying interest"). In calculating the daily bakurce for the first day of the
billingme period, we consider the "previous day's daily balance" to have been your balance on the last day of your
previous billing period. This gives us the daily balance For each transaction category.
Ws 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
category for each day during that billing period.
When we calculate daily balances, we add a now transaction as of the Transaction Date shown on your billing statement,
unless the transaction is posted to your Account after the close of the billin?gg period in which it occurs, in which case the
transaction will be added to the daily balance as of the first day of the biting period in which it is posted to your Account. All
fees char 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 transaction category.
Foreign Currency Fee: 2% of the U.S. dollar amount of each purchase made in a foreign currency.
Penalty APRs: Each time you fail to make a payment when due, we may, in accordance with applicable low, (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. Your Penalty APR is determined based on your creditworthiness and other fctors such as your current APRs, and your
account history. I your APRs for.new_transactions are increased for a We payment, the Penalty APRs -will apply indefinitely:
For MD (Telecommunications Device for the Deal) assistance, please call 1-800-347-7449.
Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance
purposes.
The Discoverocord is issued by Discover Bank, Member FDIC OITBK172
Information For You
When making payments, please send a check with your payment coupon to the address we provided on your statement.
This will help you avoid additional interest charges and/or late payments, as it can take additional time to process and
credit cash payments and payments sent to a different address. The Additional Important Information section on your
statement provides specific details.
"' ATTENTION "' Your account is seriously past due. Payment of the amount due and arrangements for future
payments should be made immediately.
9133174
Questions? Visit www.Discovor.com or DISCOVER
call 1-800-DISCOVER I;1-800-347,-2683)
DISCOVER
New Balance Minimum Payment Due
$9,342.40 $1,146.00
Payment Due Date
November 28, 2010
02 SDSN6A01 0018565
FRED HARRISON
237 SOUTHSIDE DR
NEWVILLE PA 17241-8950
Account Number ending in 4604
Enter Amount Enclosed Below
Please make check payable to Discover Card.
You are overlimit. Pay the sum of the monthly
minimum payment plus the overiimit amount of
$342.40.
It's easy to get a full month of interest back.
Simply make 6 on-time payments in a row
and get the next month's interest as a
Pay-On-Time Bonus(SM).
PO BOX 71084 111.11111131111111111111 all I
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? )tr{t{)rr{rat)t1lttt)tt)r{ttt)1))ttt{tt)n{n{{n{n1
Go to www.Discover.com or print change in space above.
000001986458660225513093424000000000114600
Opening Date: October 3, 2010 - Closing Date: November 2, 2010
Discover Motiva Card Account Summary
Account number ending in 4604
Previous Balance $9114.70
Payments And Credits 0.00
Purchases + 0.00
Balance Transfers + 0.00
Cash Advances + 0.00
Interest Charged + 192.70
Fees Charged + 35.00
New Balance $9,342.40
See Interest Charge Calculation section follow ing
transactions for detailed APR information
Credit Line $9,000.00
Credit line Available $0.00
Cash Advance Credit Line $2,300.00
Cash Advance Credit Line Available $0.00
You may be able to avoid Interest Charges, see Additional
Important Information for details.
Cashbaclt BonuSe
Anniversary Month
August
Opening Cashback Bonus Balance $ 712
New Cashback Bonus This Period + 0,00
Redeemed This Period 712
Cashbook Bonus Balance $ 0.00
To tram more, log in at www.Discover.com
page 1 of 2
Payment Information
New Balance $9,342.40
Minimum Payment Due' $1 146.00
Payment Due Date November 28, 2010
'Includes post due amount of $898.00
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 23.24% variable.
Minimum Payment Warning: If you make only the minimum
payment each period, you will pay more in interest and it will
take you longer to pay off your balance. For example:
f>.-00 make na You will poysoRfhe And you wilt eftd.
ddit oitaf charges balance shown on up paying an
using this fiord and this statement in wTimoted total of;
-.a'nt?rth yaU:pay about.
Only the minimum 34 years $53,108
payment
If you would like information about credit counseling services,
call 1-800-347-1121
3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com
1 Access your account securely at www.Discover.com
2. Call 1-800-DISCOVER (1-800.347-26831
Please have your Discovers card available. Access free online tools like Paydown Planner to create a plan
to pay down your balance securely access statements, pay
bills online and easily tracts all-trdnsddions
3. Write to us at Discover PO Box 30943,
Salt Lake City, UT 84150 (Not a payment address)
Make your money worth more sm-find easy ways to earn
For payments, please send to address on remittance or and redeem cash rewards
Discover, PO Box 6103, Carol Stream, IL 60197-6103 NEWI Access your account securely through your
For TDD (Telecommunications Device for the Deaf) mobile phone
9T"74lease call 1-800.347-7449
Transactions
Trans. Post
Date Date
Fees Oct 28 Oct 28 LATE FEE
TOTAL FEES FOR THIS PERM
35.00
35.00
Interest Charged INTEREST CHARGE ON PURCHASES $ 100,41
INTEREST CHARGE ON CASH ADVANCES 92.29
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER
Paperless statements mean less clutter, more convenience
Easily access up to 24 months of downloadable, password protected statements.
• See your statement as soon as it's available rather than wait for it to arrive in your mailbox.
• Get helpful payment reminders through e-mail or text messages on your mobile phone.
• Print a paper copy of your statement anytime.
• Sign up today at Discover.com/paperless
(WC 10 Discover Sunk AA-6x, FDIC
PAPEP.0310
Transactions
Trans. Post
(cont.) Date Doti
Interest Charred INTEREST CHARGE ON BALANCE TRANSFERS $ 0.00
TOTAL INTEREST FOR THIS PERIOD 192.70
2010 -:Otals Year-to-Date
9133174 '
TOTAL FEES CHARGED IN 2010 S 185.50
TOTAL INTEREST CHARGED IN 2010 1.971.94
Questions? Visit www.Discover.com or DISCOVER
cd 1.800-DISCOVER (1-800-347-2683).
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page 2 of 2
Interest Charge Calculation
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Current BA69 Period: 31 days
TYPE OF BALANCE ANNUALPERCENTAGE IBA ACT SSUUB ECT TO INTEREST CHARGE
RATE Purchases'
08/22/2010 and after 18.2446 V $60.79 $0.95
08/21/2010 and prior 16.24% V $40.34 $0.55
Past Purchases 21.24% V $5,482.96 $98.91
Cash Advances 2999% V $3,623.48 $92.29
Balance Transfers 16.24% V $0.02 $0
V = Variable Rate
* Dates apply to non-promotional purchases and to expired promotions with start dates within the specified date range
Additional Important Information
See your Cardmanber Agreement. Your Cardmember Agreement contains all the terms of your Account.
Lost or dolen cards. Report immediately] Call 1-800-347-2683.
What To Do ff You Think You Find A Mistake On Your Statemew
If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84130-0421
In your letter. give us the following information:
Account information: Your name and account number
Dollar amount: The dollar amount of the suspected error
Description of Problem: If you think 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 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 N 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 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 still dissatisfied with the purchase, contact us in writing at:
Discover, PO Box 30945, Salt Lake City, UT 84130.0945
While we investigate, the some rules apply to the disputed amount as discussed above. After we finish our
investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we
may report you as delinquent.
Ftre
ation 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 b«k from your firancial institution.
The processing of your payment maybe delayed iF you send cash, correspondence or other items with your payment, iF you
send the payment to any other address or if you use an envelope other than the one provided. Payments received m proper
form at our processing Facility by SPM local time on any etayy ail! be credited to your Account as of that day. Payments
received at our processing facility after SPM Iacal time will be credited to your Account as of the next day. If you have
mispkxed your envelope, send your payment to Discover PO Box 6103 Carol Stream, IL 601 97-6 1 03. Please allow 710
days For delivery. !F your payment is returned unpaid, we reserve the rig?it fo rewbmit it as an electronic debit.
You can Qay your minimum payment or a greater amount over the telephone, and you can set up automatic payments. Call
us at 1-800 34X2683. You will 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. low. You will be asked to provide the
first 5 digits of your account statement ZIP code. B entering those number as your electronic signature, you will be agreeing
to this authorization to allow us and your bank to deduct each payment you authorize from your bank account, and to initiate
debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You must
tell us the amount of eac h payment or you can se d an amount such as the Minimum Payment Due or the Now Balance on
each statement. You can cancel apayme it; however we must receive notice at least three business days in advance of the
ent. You may rail us by phone at 1-800-347-2683 or by mail at the address listed in the previous
your payments vary in amount, we will fell you on each monthly statement when your payment will be made
and ow much it will be. Your automatic payment amount maybe less than indicated on the monthly statement based on
credits or payments applied during the billing cycle.
Credit Reporting. We may report informother defouhs on ouAcount mayour Account to credit reorting agecite
us at the Following address: Discoer PO Box 1531 b, ilmington, DE 19850-531 b. Please indicate your name, address,
home telephone number and Account number
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER
Paying Interest We in to impose Interest Charges on all transactions from the Transaction Dote 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 billing statement by making pa7ts or receiving credits. If you paid the New Ba once on your previous billing
statement by the Payment Due Date n on at lling satmentwe will not impose Interest Charges on new purcses,
that ispurcrst ron urrent billinstomenor anX portin of a new purchase, paid by the Paent Due
Dan your urrent be 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 hilly described in the section of your Cardmem er Agreement hued "How
We Apply Payments " we genardly ap payments to your Account based on the APR applicable to the balance of each
transaction category. This means that r you do not pay the New Balance on the current billing statement by the Payment Due
Date shown on ihaF billi statement, then, depending on the amount of your payment and the APRs on other balances, you
may not get a grace per iod on new purchases.
Minimum Interest Charge We will charge yyou a minimum Interest Charge of $.50 for any billing period in which Interest
Charges of less than $.56 would otherwise be imposed.
Annual Fee. If your Account has an annual fee, it will be billed at the beginning of each anniversary year your Account is
open. The amount of the fee appears on the statement when the fee is br led. The annual fee is not refundable unless you
notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the fee
is billed. You will receive this refund even if you use your Card during that period.
How We Calculate Interest Charges Daily Balance Method (including current transactions): We figure Interest Charges for
each billing period. To do this:
We calculate your Interest Charges separately for each balance subject to different terms (for example, standard
purchases, standard cash advances and each purchase, balance transfer and cash advance balance subject to
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 prevous day's
daily balance. We then subtract any, credits and payments and make other adjustments (including these
ad' simenIs required in the section titled "Paying interest"). In calculating the daily balance For the first day of the
billing period, we consider the "previous day's daily balance" to have been your balance on the last day of your
previous billing period. This gives us the daily 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
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 billinp, period in which it occurs, in which case the
transaction will be added to" 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 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.
Pena?y APRr. Each time you fail to make a pa ant when due, we may, in accordance with applicable law, (i) terminate the
availability of airy IntradUCtafy/ romofional APRs on new transactions and (ii) increase your APRs for new transactions to
variable Penally APRs which w. be determined by adding up to an additional 5rrcentage points to the otherwise applicable
APR. Your Pena APR is determined based on your creditworthiness and other Factors such as your current APRs, and your
account history. I your APRs for new transactions are increased for a late payment, the Penalty APRs will apply indefinitely.
For TDD (Felocommurikalions 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®cred is issued by Discover Bank, Member FDIC OITBK172
Information For You
When making payments, please send a check with your payment coupon to the address we provided on your statement
This will help you avoid additional interest charges and/or late payments, as it can take additional time to process and
credit cash payments and payments sent to a different address. The Additional Important Information section on your
statement provides specific details.
'"` ATTENTION "• Your account is seriously past due. Payment of the amount due and arrangements for future
payments should be made immediately.
9133174
Questions? Visa www.D6cov,6r.com or DISCOVER
call 1-800-DISCOVER (1.800-347-2683).
DISCOVER
New Balance j Minimum Payment Due
S9,568.41 $1,393.00
Payment Due Dote
December 28, 2010
02 SDSN6A01 0018586
FRED HARRISON
237 SOUTHSIDE DR
NEWVILLE PA 17241-8950
Account Number ending in 4604
Enter Amount Enclosed Below
Please make check payable to Discover Card.
Minimum payment due includes apa st due
amount of $1,146.00. Phone and internet
payments must be made by 5:00pm ET for same
day posting.
It's easy to get a full month of interest back.
Simply make 6 on-time payments in a row
and get the next month's interest as a
Pay-On-Time Bonus(SM).
PO BOX 71084 lllrrrllrrrllrrrrrlrllrrlrl
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? I
Go to www.Discover.com or print c r?rllr?Irrrlrll rr'rrlIII] III llIts lrIl rIrrlIrIl rlrrIrlI III
change in space above.
000001986458660225513095684100000000139300
upening vane: tnovemoer s, _,u I u - c.tosing vate: ue
Discover Motiva Card Account Summary Account number ending in 4604
Previous Balance $9,342.40
Payments And Credits 0.00
Purchases + 0.00
Balance Transfers + 0.00
Cash Advances + 0.00
Interest Charged + 191.01
(Fees Charged + 35.00
New Balance -- - $9,568.41
See Interest Charge Calculation section following
transactions for detailed APR information
Credit Line $9,000.00
Credit Line Available $0.00
Cash Advance Credit line $2,300.00
Cash Advance Credit Line Available $0.00
You may be able to avoid Interest Charges, see Additional
Important Information for details.
WsnoacK oonus Anniversary Month
August
Opening Cashbock Bonus Balance $ 0.00
New Cashback Bonus This Period + 0.00
Coshback Bonus Balance - $ - - 0.00
To learn more, log in at www.Diiscaver.com
comber 2, 2010
page 1 of 2
Payment Information
New Balance $9,568.41
Minimum Payment Due* $1,393.00
Payment Due Date December 28, 2010
*Includes past due amount of $1 146.00
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 23.24% variable.
Minimum Payment Warning: If you make only the minimum
payment each period, you will pay more in interest and it will
take you longer to pay off your balance. For example:
f YnU,..mde t1p You will payoff the nd you vii- end
ddltiwwl charges balance shown on up poying qn
sing this card and is ttatemeni in estimated total of
c6 nanthyai{pay : oboufi
Only the minimum 34 years $53,330
payment
If you would like information about credit counseling services,
call 1-800-347-1121
3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com
1 Access your account securely at www.Discover.com • Access free online tools like Paydown Planner to create a plan
2. Call 1-800-DISCOVER (1-800-347-26831 to pay down your balance, securely access statements, pay
Please have your Discover® card available. bias online and easily track all transactions
3. Write to us at Discover, PO Box 30943, Make worth mores -find easy
Soh Lake City, UT 84130 (Not a payment address) and redeem m cash rewards y era to earn
For payments, please send to address on remittance or
Discover PO Box 6103, Card Stream, IL 601 97-6 1 03 * NEWT Access your account securely through your
For TDD (Telecommunications Device for the Deaf) mobile phone
assistance, please call 1-800.347-7449.
Uifis_66ons
Trans. Post
Date Date
Fees Nov 28 Nov 28 LATE FEE
TOTAL FEES FOR THIS PERIOD
35.00
35.00
Interest Charged INTEREST CHARGE ON PURCHASES $ 99.43
INTEREST CHARGE ON CASH ADVANCES 91.58
INTEREST CHARGE ON BALANCE TRANSFERS 0.00
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER
Paperless statements mean less clutter, more convenience
Easily access up to 24 months of downloadable, password protected statements.
• See your statement as soon as it's available rather than wait for it to arrive in your mailbox.
• Get helpful payment reminders through e-mail or text messages on your mobile phone.
• Print a paper copy of your statement anytime.
• Sign up today at Discover.com/Ipaperless
02010 Di--, Bonk. M-6. FDIC
PAPERM10
Transactions
Trans. Post
(conc.) Date Date
Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 191.01
2010 Totals Year-to-Date
TOTAL FEES CHARGED IN 2010 $ 220.50
TOTAL INTEREST CHARGED IN 2010 2,162.95
9133174
Questions? Visit wvvw.Discover.com or
ca11 1.800-DISCOVER (1-80G-34712683). DISCOVER
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DISCOVER tDISCVER ant number ending in 4604
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 L PERCENTAGE BALANCE ECT TO INTEREST CHARGE
Purchases'
08/22/2010 and after 18.24% V $96.98 $1.46
08/21/2010 and prior 16.24% V $40.89 $0.54
Past Purchases 21.24% V $5,581 11 $97.43
Cash Advances 29.99% V $3,715.38 $91.58
Balance Transfers 16.24% V $0.02 $0
V = Variable Rate
* Dates apply to non-promotional purchases and to expired promotions with start dates within the specified date range
Additional Important Information
See your Cardrnember Agreernent. Your Cordmember Agreement contains all the terms of your Account.
Lost or stolen cards. Report immediately! Call 1-800-347-2683.
What To Do N You Think You Find A Mistake On Your Statement
If you think there is an error on rur statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84130-0421
In your letter, give us the following information:
Account information: Your name and account number
Dollar amount. The dollar amount of the suspected error
Description of Problem: IF you think 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 question may remain on your stateme, and we may continue to charge you interest on that amount. But, if
we determine that we made a mistake, you will not hntave 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 M 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 state or within..] 00 miles of your current.m. ailing address, and
the purcfose price must have been more than $50. (Note. 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 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 still dissatisfied with the purchase, contact us in writing at:
Discover PO Box 30945, Sate Lake Ci yi , Lare841300945
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
yyoour check as described above, you a ooze us ro use information on your check to make an electronic fund
hum your account at the Financial institution indicated on your check or to process the payment as a check
sendf_at,
tranion. fF Psyment is processed as an electronic Fund transfer, the transfer will be For the amount of the check. When we
Iran
heck to make an electronic fund fransler. funds may be withdrawn from your account as soon as
use on from your c
the same day we receive your payment, and you will not receive your check back From your financial institution.
The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you
send the payment to any other address or if you use an envelope other than the one provided. Paymenh received in per
form at our processing facility by SPM local time on any day will lea credited to your Account as of that day. Payments
received at our processug loctlnly after 5PM local time will be credited to your Account as of the next day. If you have
misplaced your envelope, send your payment to Discover, PO Box 6103, Card Stream, IL 60197 6103. 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 ppaay your minimum 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 provide the
first 5 digits of your account statement ZIP code. By entering those numbers as
your electronic signature, you will be agreeing
to this authorization to allow us and your bank to deduct each payment you authorize from your bank account, and to mitiote
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 Now Balance on
each statement. You can cancel a nnord; however we must receive notice at least three business days in advance of the
QWA ent. You may noti us by phone at 1-800-3A7-2683 or by mail at the address listed in the previous
9W
paragraph. IF your payments wry in amount, we will tell you on each monthly statement when your payment will be made
and how much R wiR be. Your automatic payment amount may be less than indicated on the monthly statement bused on
credits or payments applied during the billing cycle.
rt orYsrg. We maduks on ur AcAccount to credit roporting agencies each month. If you believe that our re rs inaccurate or incomplete, please write
us ot the following addre
ss: Discover, F'O Box 15316, Wilmington, DE 19850- 316. Please indicate your name, address,
home telephorre number and Account number
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER
Paying Meresh 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 if oc urs,
in which case we begin to impose interest charges on that transaction from the first day of the billing period in which it is
posted to your Account. We continue to impose Interest Charges until the date you payyour entire New Balance shown on
your billing statement by making payments or receiving credits. IF you paid the New Balance on your previous billinrgg
statement b the Payment Due Date shown on that billing statement, we will not im se Interest Charges on new purchases,
that is, purchases first aapppearing on the current billing statement, or any portion o(Pa 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 grace period
on balance transfers or cash advances. As more fully described in the section of your Cardmember Agreement titled "How
We Apply Payments," we generally apl& payments to your Account based on the APR applicable to the balance of each
transact ion category. This means that n you o 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 Charggee We will charge you a minimum Interest Charge of $.50 for any billing period in which Interest
Charges of less than $.50 would otherwise be imposed.
Annual Fee. If your Account has an annual fee, it will be billed at the beginning of each anniversary year your Account is
open. The amount of the fee appears on the statement when the fee is billed. The annual fee is not refundable unless you
notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the Fee
is billed. You will receive this refund even if you use your Card during that period.
Mow We Calculate interest Charges Daly Balance Me" lincluding current transactions): We figure Interest Charges for
each billing period. To do this:
We calculate your Interest Charges separately for each balance subject to different terms (for example, standard
purchases, standard cash advances and each purchase, balance transfer and cash advance balance subject to
promotional terms). We refer to these balances as transaction categories.
We figure the "daily balance" for each transaction category. To get the "daily balance" we take the beginning rn
balance for each day, add any new transactions and fees and any Interest Charges accrued on the previous day's o
daily balance. W: then subtract any credits and payments and make other adjustments (including those Z
adjustments required in the section tided "Paying Interest"). In calculating the daily balance for the first day of the m
bilffng 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 in the billing period. a
The total Interest Charges for the billing period are the sum of the daily Interest Charges for each transaction a)
category for each day during that billing period. X
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 if occurs, in which case the
transaction will be added to the tai Wance 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 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 pa ent when due, we may, in accordance with applicable law, lit 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 dNermined by adding up to an additional 5 percentage 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 far new.hansadions era increased-for a late poyment, die Penolty APRs will apply ira<fefinitely.
For TDD (Telecommunications Device for the Deaf) assidence, please call 1-800.347-7449.
Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance
purposes.
The Discovermcard is issued by Discover Bank, Member FDIC OITBK172
Information For You
As a reminder you do not pay any interest on new purchases if you pay your balance in full each month by your due date
This is called a "grace period." You will continue to receive at least 25 days as a grace period for new purchases, except
that you will receive at least 23 days as a grace period for billing periods beginning in February as it is a shorter month.
Remember, there is no grace period on balance transfers or cash advances.
* * * ATTENTION * * * Your account is seriously past due. Payment of the amount due and arrangements for future
payments should be made immediately.
9133174
Questions? Visit www.Discovor.com or ??SC?VER
call 1.800-DISCOVER (1-800-347,-26831
DISCOVER
- i
New Balance Minimum Payment Due
$9,805.57 1 $1,651.00
Payment Due Date
January 28, 2011
02 SDSN6A01 0018567
FRED HARRISON
237 SOUTHSIDE DR
NEWVILLE PA 17241-8950
Account Number ending in 4604
Enter Amount Enclosed Below
Please make check payable to Discover Card.
Minimum payment due includes apost due
amount of 51,393.00. Phone and internst
payments must be made by 5:00pm ET for same
day posting.
It's easy to get a full month of interest back.
Simply make 6 o"me payments in a row
and get the next math's interest as a
Pay?ChrTime Bonus(SM).
PO BOX 71084 IIIIHII.,rIlrr.r,llllurlll
CHARLOTTE NC 28272-1084
Address, e-mail or telephone change? IIIIIIIIIIn1lrlI it lllrldlnl)II If 11111111/111111111r1111111'
Go to www.Discover.com or print change in space above.
000001986458660225513098055700000000165100
Date: December 3, 2010 - Closing Date: Jan
Discover Motlva Card Account Summary
Account number ending in 4604
Previous Balance $9,568.41
Payments And Credits 0.00
Purchases + 0.00
Balance Transfers + 0.00
Cash Advances + 0.00
Interest Charged + 202.16
Fees Charged + 35.00
New Balance $9,805.57
See Interest Charge Calculation section follow ing
transactions for detailed APR information
Credit Line $9,000.00
Credit lime Available $0.00
Cash Advance Credit Line $2,300.00
Cash Advance Credit Line Available $0.00
You may be able to avoid Interest Charges, see Additional
Important Information for details.
Opening Cashbock Bonus Balance
New Cashback Bonus This Period
Cashback bonus Balance
To learn mwe, log in of www.Discover.com
Anniversary Month
August
$ 0.00
+ 0.00
$ 0.00
3 Easy Ways to Contact Us
I Access your account securely at www.Discovercom
2. Call 1-800-DISCOVER (1-800-347-2683)
Please have your Discover® card available.
3. Writeto us at Discover, POBox 30943,
Soh Lake City, UT 84130 (Not a payment address)
For payments, please send to address on remittance or
Discover. PO Box 6103, Card Stream, IL 60 1 9 7-6 1 03
For TDD (Telecommunications Device for the Deaf)
assistance, please call 1-800.347-7449
uary 2, 2011
page 1 of 2
Payment Information
New Balance $9,805.57
Minimum Payment Due* $1,651.00
Payment Due Date January 28, 2011
"Includes past due amount of $1,393.00
Late Payment Wamirg: IF we do not receive your minimum
payment by the date listed above, you may have to pay a late
fee of up to $35.00 and your purchase and balance transfer
APRs for new transactions may be increased up to the Penalty
APR of 23.24% variable.
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:
iv* IT"a you *11 payIiWff Acid you will end s
r balance shown oa up paying on
i09 thus c4td't rt th 3 statement in estimated total of
k nc)rdh ydu' pay , about:
Only the minimum 34 years $53,345
payment
If you would like information about credit counseling services,
call 1-800-347.1121
Manage Your Account Online at www.Discover.com
• Access Free online tools like Paydown Planner to create a plan
to pay down your balance, securely access statements, pay
bills online and easily track all transactions
• Make your money worth more SM--find easy ways to eam
and redeem cash rewards
• NEW! Access your account securely through your
mobile phone
411 0a 1 1%
transactions
Trans. Post
Date Data
Fees Dec 28 Dec 28 LATE FEE S 35.00
TOTAL FEES FOR THS PERIOD
35.00
iuitsrest Charged INTEREST CHARGE ON PURCHASES $ 105.13
INTEREST CHARGE ON CASH ADVANCES 97.03
INTEREST CHARGE ON BALANCE TRANSFERS 0.00
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.
- 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.
- Print a caper copy of your statement anytime.
- Sign up today at Discovercom/poperiess
9¢010 Discover Bank. Member fDIC PAPER. 0310
Transactions
Trans. Post
(cont.) Date Da.v
nterest Charged TOTAL INTEREST FOR TM PERIOD $ 202.16
2011 Totals Year-to-Date
TOTAL FEES CHARGED IN 2011 S 35.00
TOTAL INTEREST CHARGED IN 2011 202.16
9133174
cn
O
z
Of
D
0
0
m
V
T
X
Questions? Visit www.Discover.com or DISCOVER
call 1-800-DISCOVER (1-800-347-2683).
DISCOVER FRED HARRISON
t pop to
iDISC VEK Account number ending in 4604
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 BALANCE SUBJECT TO INTEREST CHARGE
RATE (APR) INTEREST RATE
Purchases'
08/22/2010 and after 18.24% V $133.75 $2-08
08/21/2010 and prior 16.24% V $41.44 $0.57
Past Purchases 21.24% V $5,681.02 $102.48
Cash Advances 29.99% V $3,809.63 $97.03
Balance Transfers 16.24% V $0.02 $0
V = Variable Rate
Dates apply to non-promotional purchases and to expired promotions with start dates within the specified date range
Additional Important Information
See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account.
Lost or stolen cards. Report immediately) Call 1-800-347-2683.
What To Do tf You Think You Find A Mistake On Your Statement
If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84 1 30-042 1
In your letter, give us the 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 call us, but if you do we are not required to investigate any
potential errors and you may have to pay the amount in question.
While we investigate whether or not there has been an error the following are true:
We cannot try to collect the amount in question, or report you as delinquent on that amount.
The charge in uestion may remain on your statement, and we may continue to charge you interest on that amount. But, if
we det=t that we made a mistake, you will not have to pay the amount in question or any interest or other fees related
to that .
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 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. (Nob: 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 84130.0945
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 your payment and the t o p portion of this statement in the envelope provided. Do not send cash. By
sending yyoour dieck as described above, you authorize us to use information on your check to make an electronic (unit
ess the payment as a check
transfer am yarc account at the financial institution indicated on your check or to proc
transaction. ff 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 ac count as soon as
the same day we receive your payment, and you will not receive your check b«It From your Financial institution.
The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you
send the payment to any ether address or if you use an envelope other than the one provided. Payments received in proper
form at our processing facility by 5PM local time on any day will be credited to your Account as of that day. Payments
received at our processing facility after 5PM local time will 6e credited to your Account as of the next day. If you have
misplaced your envelope, send your payment to Discover PO Box 6103 Carol Stream, IL 601 97-61 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 sat up automatic payments. Call
us at 1-800-347-2683. You will need this statement and your bank account information. You must ensure that sufficient
funds are available in your bank account, and all transactions must comply with U.S. law. You will be asked to provide the
first 5 digits of your account statement ZIP code. By entering those numbers as your electronic signature, you will be agreeing
to this authorization to allow us and your bank to deduct each payment you authorize from your bank account, and to initiate
debit or credit entries to your bank account, as applicable, to correct an error in the processing of such pa ent. You must
tell us" amount of each payment or you can select an amount such as the Minimum Payment Due or the New Bolonce on
each statement- You can cancel a merit; however we must receive notice at least three business days in advance of the
ent. You may nouns by phone at 1-8M347-2683 or by mail of the address listed in the previous
pa yorx payments vary in amount, we will tell you on each monthly statement when your payment will be made
and W 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.
Crsdk Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or
other defaults on your Account may be reflected in your credit report. We normol{y report the status and payment history of
your Account to credt reporting agencies a«h month. If you believe IhaF our report is inaccurate or incomplete, please write
us at the Following address: Discover, PO Box 1531 b, Wilmington, DE 19850-5316. Please indicate your name, address,
home telephone number and Account number
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER
Paying Interest: We begin to impose Interest Charges on all transactions from the Transaction Date for the transaction shown
on your billing statement, unless a transaction is posted to your Account after the close of the billing period in which 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 billing
statement by the Payment Due Date shown on that billing statement, we will not impose Interest Charges on new that is, purchases first appearing on the current billing statement, or any portion o anew purchoee, paid by the Payment Due
Date on your currerd billing 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 filed "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 Chargge. We will charge you a minimum Interest Charge of $.50 for any billing period in which Interest
Charges of less than $.50 would otherwise be imposed
Annual Fee. If your Account has an annual fee, it will be billed at the beginning of each anniversary year your Account is
open. The amount of the fee appears on the statement when the fee is billed. The annual fee is not refundable unless Lulea
notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which 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 biding period. To do this:
We calculate your Interest Charges separately for each balance subject to different terms (for example, standard
purchases, standard cash advances and each purchase, balance transfer and cash advance balance subject to
promotional terms). We refer to these balances as transaction categories.
We figure the "daily balance" for each transaction category. To get the "daily balance" we take the beginning
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
adjustments required in the section tilled "Paying Interest"). In calculating the daily balance for the first day of the
billing period, we consider the "previous day's daily balance" to have been your balance on the last day of your
previous billing period. This gives us the daily balance for each transaction category.
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
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 offer the close of the billing period in which it occurs, in which case the
transaction will be added to the dally balance as of the first day of the billing period in which it is posted to your Account. All
fees ctwrggeat to your Account are added to the standard purchase transaction category with the exception of Cash Advance
Fees whicTn 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.
;-c aNy labilour? history. !t your APRs for new it?ansactions are increosed for a late payment; the Penalty APRs will apply indefinitely.
For iDD (Telecommunications Device for the Deol) assistance, phase call 1-800-347-7449.
Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance
purposes.
The Discovermcard is issued by Discover Bank, Member FDIC OITBK172
Information For You
* * * ATTENTION * * * Your account is seriously post due. Payment of the amount due and arrangements for future
payments should be made immediately.
9133174
Questions? Visit www.Discover.com or DISCOVER
call 1-800-DISCOVER (1.800-347-2683).
New Balance Minimum Payment Due Account Number ending in 4604
DISCOVER $0.00 L $2,115.00 Enter Amount Enclosed Below
Payment Due Date
March 23, 2011 $ 1
28 SDSN6A010018568
FRED HARRISON
237 SOUTHSIDE DR
NEWVILLE PA 17241-8950
PO BOX 6103 111 1111111111111111111111111181
CAROL STREAM IL 60197-6103
Address, e-mail or telephone change? Ir??n?lunnllltlnltrtltllunrlllluurll,llrrntllnlu?l
Go to www.Discover.com or print change in space above.
000001986458660225513000000000000000211500
Opening Date: February 3, 2011 Closing Date: February 28, 2011
Discover Motiva Card Account Summary
Account number ending in 4604
Previous Balance $10,047.67
Payments And Credits 10,047.67
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 $9,000.00
Credit Line Available $0.00
Cash Advance Credit Line $2,300.00
Cash Advance Credit Line Available $0.00
page 1 of 2
Payment Information
New Balance $0.00
Minimum Payment Due $2,115.00
Payment Due Date March 23, 2011
Late Payimrd Warning: If we do not receive your minimum
payment by the date listed above, you may have to pay a late
fee of up to $35.00 and your purchase and balance transfer
APRs for new transactions may be increased up to the Penalty
APR of 23.24% variable.
Manage Your Account Online at www.Diswver.com
• Securely access statements and Free online tools, pay bills
online and track and view all transactions simply and easily
• Make your money worth moreSM -find easy ways to earn
and redeem cash rewards
• NEWT Access your account securely through your
mobile phone
` 3 Easy Ways to Contact Us
Ca5 CIC OVnus® Anniversary Month I Access your account securely at www.Discover.com
1 Call 1-80D-DISCOVER (1-800.347-2683)
August Please have your Discoverecard available
Opening Coshback Bonus Balance $ 0,00 3. Write to us at Discover, PO Box 30943,
New Cashback Bonus This Period + 0.00 Salt Lake City, UT 84130 (Not a payment address)
For payments, please send to address on remittance or
CaAdm& bonus Balance $ 0.00 Discover, PO Box 6103, Carol Stream, IL 60197-6103
To lean more, log in at www.Discover.com For TDD (Telecommunications Device for the Deaf)
assistance, please call 1-800.347-7449
Transactions
Trans. Post
Date Date
Payments and Credits Feb 28 Feb 28 INTERNAL CHARGE-OFF
$ 10,047.67
Fees TOTAL FEES FOR THIS PERIOD $ 0.00
Interest Charged TOTAL INTEREST FOR TM PERIOD $ 0.00 - -
2011 Totals Year-to-Date
TOTAL FEES CHARGED IN 2011
TOTAL INTEREST CHARGED IN 2011
9133174
70.00
409.26
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER
Paperless statements mean less clutter, more convenience
Easily occew up to 24 months of downloodable, password protected statements.
• See your statement as soon as it's availcble 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 poper copy of your statement anytime.
• Sign up today of Discoveccom/paperless
0^2010 Discover Rank. Membei FDIC
PAPER.0310
O
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9133174
Questions? Visit www.Discoverr.com or DISC*VER
call 1-800-DISCOVER (1.800-3k7-2683).
DISCOVER
It pays to FRED HARRISON
DISO NER Account number ending in 4604
page 2 of 2
Interest Charge Calculation
Your Annual Percentage Rate (APR) is the annual interest rate on your account.
Current Billing Period: 26 days
TYPE OF BALANCE
Purchases'
08/22/2010 and after
08/21/2010 and prior
Past Purchases
Cash Advances
RATE UAL PERCENTAGE
BALANCE SUBJECT TO
INTEREST RATE
INTEREST CHARGE
18.24% V
16-24% V
21.24% V
29,99% V
$0
$0
$0
$0
$0
$0
$0
$0
V = Variable Rate
Dates apply to non-promotional purchases and to expired promotions with start dales within the specified date range
Additional Important Information
See your Cardmember Agreement. Your Cordmember Agreement contains all the terms of your Account.
Lost or stolen cards. Report immediatelyl 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 on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84130.0421
In your letter. give us the following information:
Account information: Your name and account number
Dollar amount. The dollar amount of the suspected error
Description of Problem: If you think 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 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 M 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 mode 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 cm 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 84130-0945
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.
Paytnenh. Send only your payment and the top portion of this statement in the emrelope provided. Do not send cash. By
sending ur check as described above, you authorize us to use inFormation on your check to make an electronic fund
transFer from your account at the Financial institution indicated on your check or to process the payment as a check
hansaction. ff payment is processed as an electronic fund transfer, the Mansfer will be For the amount of the check. When we
use information From your check to make an electronic fund hansfer, funds may be withdrawn from your account as soon as
the same day we receive your payment, and you will not receive your check back from your financial institution.
The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you
send the payment to any ether address or if you use an envelope other than the one provided. Payments received in proper
form at our processing Facility by 5PM kxal time on any dayy will be credited ro your Account as of that day. Payments
received at our processirg facility offer 5PM local time will be credited to your Account as of the next day. If you have
mispkaced your envelope, send your payment to Discover PO Box 6103 Carol Sheam, IL 601976103. Please allow 7 10
days For delivery. IF your payment ?s resumed unpaid, we reserve the rig?t to resubmit it as an electronic debit.
You can pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments. Calf
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 must comply with U.S. law. You will be asked to provide the
-first 5-digits of your account statement ZIP code. By entering those numbers as your electronic signature, you will be agreeing
to this authorization to allow us and your bank to deduct each payment you authorize from your bank account, and to mitiate
debit or credit entries to your bank account, os 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 New Balance on
each statement. You can cancel a ayme it; however we must receive notice at least three business days in advance of the
scheduled ens You may notify us by phone at 1-800347-2683 or by mail at the address listed in the previous
,your.Payments vary in amount, we will tell you on each monthly statement when your payment will be made
rt wi I be. Your automatic payment amount may be less than indicated on the monthly statement based on
credits or payments applied during the billing cycle.
G.d'A . We may report information about your Account to credit bureaus. Late payments, missed payments, or
other dsfauks on your Account may be reflected in your credit report. We normally report the status and payment history of
your Accourd to credit reporting agencies each month. If believe that our r?por} rs maccurale or incomplete, please write
us al the Following address: Discover, PO Box 1531 b, rlmington, DE 198505316. Please indicate your name, address,
home tebphona number and Account number
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER
Paying Interest We in to impose Interest Charges on all transactions from the Transaction Date for the transaction shown
on your billing stdeme 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 entireNaw Balance shown on
your billing statement by making payments or receiving credits. If you paid the New Balance on your previous billingg
statement by the Payment Due bate 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 of 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 brace period
on balance transfers or cash advances. As more fully described in the section of your Cardmember Agreement titled "How
We Apply Payments," we generally apply payments to your Account based on the APR applicable to tFie balance of each
transaction category. This means that of 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 Charrgge. We will charge you a minimum Interest Charge of $.50 for any billing period in which Interest
Charges of less than $.50 would otherwise be imposed.
Annual Fee. If your Account has an annual fee, it will be billed at the beginning of eacF anniversary year your Account is
open. The amount of the fee appears on the statement when the fee is billed. `the annual fee is not refundable unless you
notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the fee
is billed. You will receive this refund even if you use your Card during that period.
How We Calculate Interest Charges Daily Balance Method (including current transactions): We figure Interest Charges for
each billing period. To do this:
We calculate your Interest Charges separately for each balance subject to different terms (for example, standard
purchases, standard cash advances and each purchase, balance transfer and cash advance balance subject to
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
doily balance. We then subtract any credits and payments and make other adjustments (including these
adjustments required in the section titled "Paying Interest"). In calculating the daily balance for the first day of the
billing period, we consider the "previous day's daily balance" to have been your balance on the last day of your
previous billing period. This gives us the daily 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
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
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 whit 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.
Penally APRs: Each time you fail to make a pa ent when due, we may, in accordance with ap icabla law, li) terminate the
availability of any inhoductory/ omotional APRs on new transactions and Iii) increase your AP s For nsw transactions to
variable Panahy APRs which wi be determined by addinngg up to an a ditional Spercentage points to the otherwise applicable
APR. Your Penaly APR is determined based on your creditworthiness?and other Factors such as your current APRs, and your
account history. !t your APRs for new hansactions are increased For a lole.payment; the Penalty APRs-will apply indeFinitely.
For TDD (Telecommunications Device for the Deaf) assistance, phase call 1-800-347-7449.
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
9133174
OITSK172
Questions? Visit www.D'tscover.com or DISCOVER
call 1.800-DISCOVER (1 800-347-2683'
New Balance Minimum Payment Due
DISC-)VER $10,047.677 $10,047.67
Payment Due Date
DUE IMMEDIATELY
08 SDSN6A010004606
FRED HARRISON
237 SOUTHSIDE DR
NEWVILLE PA 17241-8950
Account Number ending in 4604
Enter Amount Enclosed Below
PO BOX 6103 Illrullnrllurlnlrnlrll
CAROL STREAM IL 60197-6103
Address, e-mail or telephone change? ?t{{,r{?rnur??{t{u?ur{r{?nnt{?{{run{{r{{nur?{rr{n{{
Go to www.Discover.com or print change in space above.
000001986458660225513100476700000001004767
upenmg tale: March s, Lu 1 1 - Closing vale: March is
Discover Motiva Card Account Summary
Account number ending in 4604
Previous Balance $10,047.67
Payments And Credits 0.00
Purchases + 0.00
Balance Transfers + 0.00
Cash Advances + 0.00
Fees Charged + 0.00
Interest Changed + 0.00
New Balance 10,047.67
See Interest Charge Calculation section following
transactions for detailed APR information
Credit Line $9,000.00
Credit Line Available $0.00
Cash Advance Credit line $0.00
Cash Advance Credit Line Available $0.00
Cashbock Bonuse Anniversary Month
August
Opening Cashbock Bonus Balance $ 0.00
New Cashback Bonus This Period + 0.00
Cashback Bonus Balance $ 0.00
To learn more, log in at www.Discover.com
3 Easy Ways to Contact Us
1 Access your account securely at www.Discovw.corn
2. Call 1-800-DISCOVER (1-800.347-2683)
Please have your Discovers card available.
3. Write to us at Discover, PO Box 30943,
Salt Lake City, UT 84130 {Not a payment address)
For payments, please send to address on remittance or
Discover PO Box 6103, Carol Stream, IL 601 97-6 1 03
For TDD (Telecommunications Device for the Deal)
assistance, please call 1-800347-7449
to t t page l or z
Payment Information
New Balance $10,047.67
Minimum Payment Due* $f0,047.67
Payment Due Date DUE IMMEDIATELY
*Includes post due amount of $2,316.00
Late 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 for new transactions may be increased up to the Penalty
APR of 23.24°/ variable.
Minimum Payment Warning: If you make only the minimum
payment each period, you will pay more in interest and it will
take you longer to pay off your balance. For example:
If you would like information about credit counseling services,
call 1-800-347.1121
you ri4 A tw3: au ' pays, <yw,
r<sridt ?drgi3s fShcfJ+ce tdwwn'ort u9 pdylrlD;gn
trig this card and Iftr6 ata/ement in eidm#rted latbl t>?
"eh mdath you #aY.. tltiout;
Only the minimum 10 years $10,048
payment
Manage Your Account Online at www.Diswver.com
• Access free online tools tike Paydown Planner to create a plan
to day down your balance, securely access statements, pay
loll s online and easily hack all transactions
• Make your money worth mores"t-find easy ways to earn
and redeem cash rewards
• NEW! Access your account securely through your
mobile phone
Transactions
Trans. Post
9133174 Date Dal.
Fees TOTAL FEES FOR TEAS PERIOD S 0.00
lnlsrsst Charged TOTAL INTEREST FOR THIS PERIOD $ 0.00
2011 Totals Year-to-Date
$ 70.00
TOTAL FEES CHARGED IN 2011
TOTAL INTEREST CHARGED IN 2011
409.26
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER
Paperless statements mean less clutter, more convenience
Easily access up to 24 months of downloodable, password protected statements.
• See your statement as soon as it's available rather than wait for it to arrive in your mailbox-
• Get helpful payment reminders through e-mail or text messages on your mobile phone.
• Print a paper copy of your statement anytime.
• Sign up today al Discoveccom/poperless
02010 Discover Bonk, Member fDIG PAPER.0310
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9133174
QUeStlom? Visit www.Diswver.com or DISCOVER
call 1-800-DISCOVER (1-800-347-2683.
DISC w'VER
It pays to FRED HARRISON
Account number ending in 4604
page 2 of 2
Interest Charge Calculation
Your Annual Percentage Role (APR) is the annual interest rate on your account.
Currerd Billing Period: 6 days
TYPE OF BALANCE
Purchases'
08/22/2010 and after
08/21/2010 and prior
Past Purchases
Cash Advances
??LA?PERCENTAGE
BALANCE SUBJECT TO
INTEREST RATE
94TEREST CHARGE
18.24% V
16.24% V
21.24% V
29.99% V
$0
$0
$0
$0
so
$0
so
so
V = Variable Rate
Dates apply to non-promotional purchases and to expired promotions with start dates within the specified date range
Additional Important information
See your Ca"knonibsr Agreement Your Cordmember Agreement contains all the terms of your Account.
Lad or stolen cards. Report immediately! Call 1800-347-2683.
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, Salt Lake City, UT 84130.0421
In your letter, give us the following information:
Account information- Your name and account number.
Dollar amount The dollar amount of the suspected error
Description of Problem: IF you think 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 an error. the Following are true:
We cannot try to collect the amount in question, or report you as delinquent on that amount.
The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if
we 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 Rijhts D You Are Dissafisried With Your Credit Card Purchases
If you are dissatisfied with the ds a services that you have purchased with your credit card, and you have tried
in good faith to correct the progoom 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 horse state or within 100 miles of your current mailing address, and
the purchase ?rice 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 84130-0945
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.
P7nn . Send only your payment and the top portion of this statement in the envelope provided. Do rat send cash. By
sour check as described above, you a ize us to use information on your check to make an electronic fund
tram your account ol the financial instihdion indicated on your check or to process the payment as a check
tr. It pyment is processed as an eksclronic fund transfer, the transfer will be far the amount of the check. When we
uation from your check to make an electroni c Fund transfer, funds may be withdrawn from your accounf as soon as
the same day we receive your payment, and you will not receive your check back lam your financial instilufion.
Ths processing of your payment may be dekryed if you send cash, correspondence a other items with your payment, if you
send the payment to any ether address or iF you use an envelope other than the one provided. Payments received m proper
form ol our processing facility by 5PM local time on airy day will be credited to your Account as of that day Payments
received at our processing bocdrty after 5PM kxol time wilt be credited to your Account as of the next day. If you have
misplacedr envelope, send your payment fo Discover, PO Box 6103 Carol Stream, IL 601 97 61 03. Please allow 7.10
days For de ivory. If your payment is re unpaid, we reserve the rig?it to resubmit if as an electronic debit.
You can pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments. Call
us at 1-800 347-2683. You will need this statement and your bank account information. You must ensure that sufficient
funds are available in your bank account and all transactions must comply with U.S. law. You will be asked to provide the
first 5 digits of your account statement ZIo code. By entering those numbers as your electronic signature, you will be oireei
to this authorization to allow us and your bank to deduct each payment you authorize from your bank account, and to initiate
debit or credit entries to 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 Paymen Due or the New Balance on
each statement. You can cancel a ent. however we must receive notice at least three business days in advance of the
scheduled payment. You may soli us by phone at 1-800.347-2683 or by mail at the address listed in the previous
it ra . It your payments vary in amount, we will tell you on each morrthty statement when your paymern wiH be made
a fi d will l: Your automatic payment amount may be less than indicated on the monthly statement based on
cr its or payments applied during the bi ding cycle.
Cred? Ieporli We may report information about your Account to credit bureaus. Late payments, missed payments, or
other defouNs 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 believe that our report is inaccurate or incomplete, please write
us at the following address: Discover, PO Box 15316, Wilmington, DE 19850.5316. Please indicate your name, address,
home telephone number and Account number.
NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER
Paying kibrest 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 dote you pay your entire New Balance shown on
your billing statement by making payments or receiving credits. IF you paid the Now Balance on your previous billing
statement by the Payment Due Date shown on that billing statement, we will not impose Interest Charges on new ppuurc fwses,
that is, purchases First appearing on the current billing statement, or anX portion of a new purchase, paid by the Payment Due
Dote on current billing statement. We call this the " race period. It is not less than 25 days There is no ace period
on bakmce transfers or cash advances. As more Fully desgcribed in the section of your Cardmember ggreemat OW "How
We Apply Payments," we generally appti eats to your Account based on the APR a &able to tFie balance of each
transaction category This means thaF it you do not pay the New Balance on the current billing statement by the Payment Due
Date shown on of billing statement, then depending on the amount of your payment and the APRs on other balances, you
may not get a gr«e period on new purchases.
Minimum Interest Charge. We will charge you a minimum Interest Charge of $.50 for any billing period in which Interest
Charges of less than $ 50 would otherwise be imposed.
Annual Fee. It your Account has an annual fee, it will be billed at the beginning of each (,--rsory year your Account is
open. The amount of the fee appears on the statement when the fee is billed. The annuai fee is not refundable unless you
notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the fee
is billed. You will receive this refund even if you use your Card during that period.
How 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
p vchases, standard cash advance: 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 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 a)
adjustments required in the section hued "Paying Interest"). In calculating the daily balance for the first day of the m
bil?ing 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 fig?x the Interest Charges on your Account by multiplying the daily balance for each transaction category by
its daily peeriodic rate, for each cloy in the billing period. o
• The total Interest Charges for the billing period are the sum of the daily Interest Charges for each transaction r.4
category for each day during that billing period. X
When we calculate daily balances, we add a new transaction as of the Transaction Date shown on your bi8ing 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 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 Fes: 2%" of the U.S. dollar amount of each purchase made in a Foreign currency.
Penalty APRs: f«h time you fail b matte a payment when due, we may, in accordance with applicable law, (i) termirraie the
avanla lily of any introductory)promotional -APRs on new transactions and (ii) increase your APRs for new tnwnsactions to
variable Penalty APRs which will be determined by adding up fo an additional 5 rcentage points to the otherwise applicable
APR. Your PenaNv APR is determined based on your creditworthiness and other f«?tors such as your current APRs, and your
account history. I your APRs for new transactions ore increased Fa o late payment, the Penalty APRs will apply indefinitely.
For TDD (Tebcanmunications Device for the Deafl 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
9133174
O 1TSK 172
Questions? Visit www.Ditcover.com or DISCOVER
call 1-800-DISCOVER (1-800-347-2683).
EXHIBIT "4"
DISCOVER
YOUR DISCOVER! ACCOUNT
CARDMEMBER AGREEMENT ................ Pages 1-13
The terms and conditions of your Account, including
how we calculate finance charges, our fees and an
Arbitration of Disputes section. You have the right to
reject the arbitration provision with respect to your
new Account within 30 days after receiving your Card,
as explained in the "Right to Reject Arbitration"
section at page 13.
PRIVACY POLICY ......................... Pages 13-16
A summary of the personal information we collect,
when it may be shared with others, and how we
safeguard the confidentiality and security of
information. You may limit our sharing of such
information with others as explained in section 4 of
the Privacy Policy at page 15.
BILLING RIGHTS .......................... Pages 16-17
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 terms and conditions of this free travel assistance
benefit.
02010 Discover Bank, Member FDIC TL22AG.0210
I 10DCM0_02BOK_TL22AG0210_01361_reader.indd 1-2 12115/09 1:36:41 PM
CARDMEMBER AGREEMENT
Please read this Agreement carefully before using your Discover@ Card
Account It contains the terms and conditions of your Account some of
which may have clanged from earlier materials provided to you. In the
event of any differences, this Agreement shall control. We respect your
privacy. See the Privacy section on page 10 and our Privacy Policy for
additional information. The Arbitration of Disputes sectio n on page 11
includes a waiver of a number of rights, indudi the n' ht
The Right to Reject Arbitration section on page 13 desm'bes to a jury trial.
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 .............................
l .......... 5
5
ances ...................................
Credit Ba ...........
FINANCE CHARGES ................................... ........... 6
How We Calculate Periodic Finance Charges .......... ........... 6
How We Calculate Your Balances ................... ........... E
Variable Interest Rates ............................ ........... 7
Default Rate ...................................... .......... 7
Cash Advance Transaction Fee Finance Charges ........ .......... E
Balance Transfer Transaction Fee Finance Charges ...... .......... E
Foreign Currency Transaction Fee Finance Charges ..... .......... E
Minimum Finance Charge ........................... .......... E
Account Set-up Fee Finance Charge .................. .......... E
FEES ................................................ ........... E
Annual Fee ...................................... ........... E
Late Fee ......................................... ........... S
Returned Payment Fee ............................ ........... S
Returned Discover Card Check Fee .................. ........... S
Pay-By-Phone .................................... ........... S
Research Fee ..................................... ........... S
DEFAULT AND CANCELLATION ......................... ........... S
Types of Default .................................. ........... S
Consequences of Default .......................... ........... S
Cancellation ..................................... ........... S
PRIVACY AND OUR COMMUNICATIONS WITH YOU ....... .......... 1(
Our Privacy Policy ................................. .......... 1(
Reporting to Credit Reporting Agencies .............. .......... 1(
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Our Communications with You ............................... 10
Releasing Information About Your Account .................... 10
Electronic Notices to You .................................... 10
Notices- Changes to Your Information .........................10
CLAIMS AND DISPUTES ..........................................10
Merchant Disputes ...........................................10
Claim Notices ...............................................11
Arbitration of Disputes .......................................11
Right to Reject Arbitration ........... ........................13
LEGAL INTERPRETATION OF THIS AGREEMENT .......................13
..............................................
Severability ... 13
Compliance with Interest Rate Limitations .......................13
Governing Law ..............................................13
ASSIGNMENT OF ACCOUNT .......................................13
DEFNdl110NS
"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
listingg the Finance Charge rates that apply to your Account. The Pricing
Schedule is part of this Agreement
"We," "us" and 'our" refer to Discover Bank, the issuer of your
Discover Card.
'You," 'your' or "yours" refer to, in addition to you, the Cardmember, any
other person or persons who are also contractually liable under
this Agreement.
USING YOUR ACCOUNT
Your Acceptance of this Agreement The use of your Account or a Card by
you or an Authorized User, or your failure to cancel your Account within 30
days after receiving a Card, means you accept this Agreement, including the
Arbitration of Disputes section on page 11. You may, however, reject the
Arbitration of Disputes section as explained on page 13.
Permftted 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 fumish to you, in accordance with
such additional terms and conditions as we may offer from time to time.
• Cash Advances - to obtain cash advances from participating automated
teller machines, financial institutions or other locations, the purchase of
lottery tickets, racetrack wagers, vouchers redeemable for cash or for
casino chips, money orders, travellers 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 terns and conditions as we may offer
from time to time.
In addition, your Account may be used to guarantee reservations at
participating establishments. You will be liable for guaranteed
reservations that are not cancelled prior to the time specified by the
establishment. Your Account may be used for personal, family, household
and charitable purposes.
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10DCM0_02BOK_TL22AG0210_01361_reader.indd 5-6
Prohibited Uses of Your Account. Your Account may not be used to obtain
loans to purchase, carry or trade in securities, to pay any amount you owe
under this Agreement or for any transactions that are unlawful where you
reside or where you are physically located when you use the Account to
initiate the transaction ("Prohibited Transactions").
Purchases and Cash Advances in Foreign Currencies. If you make a purchase
or cash advance in a foreign currency, it will be converted to U.S. dollars
Wrhg either a government-mandated rate, a govemment-published rate or
the interbank exchange rate, depending on the country and currency in
which the transaction is made. The rate used will be the rate in effect on
the conversion date for the transaction, which may be different than the
Transaction Date as shown on your statement We charge a Foreign
Currency Transaction Fee Finance Charge for each purchase made in a
foreign currency as described in the Foreign Currency Transaction Fee
Finance Charges section on page B.
Cash Advances. We may periodically offer you promotional rates on cash
advances for the time period specified in the offer, subject to the Default
Rate section. The offer may contain a Cash Advance Transaction Fee Finance
Charge for each cash advance.
Balance Transfers. We may periodically offer you the opportunity to make
balance transfers from other creditors or to make other transactions to your
Account by means of balance transfer coupons or checks. Each offer will
contain a promotional rate, which will be the Annual Percentage Rate that
will apply to transferred balances for the time period specified in the offer,
subject to the Default Rate section and may contain a Balance Transfer
Transaction Fee Finance Charge for each balance transfer made during the
term of the offer, as disclosed in the offer and as set forth in the Pricing
Schedule, if applicable. Balance transfers subject to the promotional rate
are referred to as promotional rate balance transfers; balance transfers for
which the promotional rate has expired are referred to as purchase rate
balance transfers.
Each offer will contain an expiration date. If you attempt to transfer
balances by means of a check after the expiration date, we will treat the
transaction as a cash advance. We will not make balance transfers
attempted by 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 1-800-DISCOVER (14600-347-2683), or by writing Discover,
PO Box 30943, Salt Lake City, UT 841300943. 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).
Unautlwraed Use. Prior to its use, each Card must be signed by the person
to whom it is issued. If a Card is lost or stolen, or if you think that someone is
using your Account or a Card without your permission, notify us immediately.
You can notify us by telephoning 1-8000ISCOVfR (1-800.347-2683), or by
writing Discover, PO Box 30943, Salt Lake City, UT 841300943. You agree to
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12/15/09 1:36:41 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 require in connection with our investigation.
Your Credit Lines. We will advise you of your Account credit line. We may
impose a lower line that will apply to cash advances, referred to as the cash
advance credit line. We may also impose a lower line that will apply to
balance transfers, referred to as the balance transfer credit line. You agree
not to allow your unpaid balance, inducing Finance Charges and fees, to
exceed your Account credit line. If you exceed your Account credit line, we
may request immediate payment of the amount by which you exceed your
Account credit line.
We may increase or decrease your Account credit line, your cash advance
credit line or your balance transfer credit line without notice. The credit
available for your use may, from time to time, be less than your Account
credit line. For purposes of determining your available credit, we reserve
the right to postpone for up to 15 business days reducing your unpaid
balances by the amount of any payment that we receive. Your available
credit will not be increased by the amount of any credit balance.
CHANGES TO THIS AGREEMENT
From time to time, we may, to the extent permitted by law, change any
term of this Agreement including, but not limited to, an finance charge
rate, fee or method of computing any balance upon which the finance
charge rate is assessed, or add or delete any term to this Agreement We
wil give you notice of the change in the time and manner required by law,
which includes 45-days advance written notice in some dramstances. In
addition, to the extent required by law, we will offer you the opportunity
to reject a change. For example, law requires, with certain exceptions, that
we offer you the opportunity to reject an increase in a late fee or the
elimination of a grace period prior to the effective date of the change. If
you reject a merge in accordance with the instructions in the notice
provided, we will close your Account and you will no larger be able to use
it for further transactioun. 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 Pay. You agree to pay us in U.S. dollars for all purchases, cash
advances and balance transfers including applicable Finance Charges and
other charges or fees, incurred by you or anyone you authorize or permit
to use your Account or a Card, even if you do not notify us that others are
using your Account or a Card. If you pay us in other than U.S. dollars, we
may refuse to accept the payment or charge your Account our cost to
convert your payment to U.S. dollars. All checks must be drawn on funds on
deposit in the U.S. You may not use a cash advance check, balance transfer
check or coupon, or any other promotional check drawn on any Discover
Bank credit card account to make payments on your Account If your
Account is a joint Account, each of you agrees to be liable individually and
jointly for the entire amount owed on your Account We can accept late
payments or partial payments or checks and money orders marked
'payment in fuir 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
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we waive our right to do so as permitted by law. The billing statement will
show all purchases, cash advances, balance transfers, Finance Charges and
other charges or fees and all payments or other credits posted to your
Account during the billing period. It will show your New Balance, Payment
Due Date and Minimum Payment Due as of the end of the billing period. If
your prior month's payment is returned unpaid, your required Minimum
Payment Due may be higher than shown on your billing statement See the
Minimum Monthly Payment section on page S.
Monthly Payment Options You may at any time pay the entire New
Balance shown on your billing statement, but each month you must pay at
least the Minimum Payment Due as described in the Minimum Monthly
Payment section. All payments must be made in accordance with the terms
stated on your monthly billing statement, as well as the payment cut-off
time stated in this section, and we will credit your Account in accordance
with those terms and this section. Payments received in proper form at our
processing facility by 5PM local time on any day will be credited as of that
day. Payments received in proper form at our processing facility after 5PM
local time will be credited as of the next day.
Automatic Billing Arrangements If your Account number and/or Card
expiration date changes and our records indicate you have automatic
billing established with a merchant, we will attempt to provide your new
Account information to that merchant. To ensure uninterrupted billing, we
recommendthat you verify the merchant hasyournewAccount information.
You must contact the merchant directly if you do not wish to continue the
automatic billing arrangemerrt.
How We Apply Payments. Each billing period, to the extent your payments
exceed the Minimum Payment Due shown on your current billing
statement, we will apply these excess amounts in order of the Annual
Percentage Rate applicable to the balance of each transaction category (as
referenced in the Finance Charges section), generally from highest to
lowest, beginning with the balance subject to the highest Annual
Percentage Rate. Otherwise, we will apply payments and credits at our
discretion, hncludin in a manner most favorable or convenient for us. In all
cases, we will app?y payments and credits in accordance with applicable
law.
Minimum Monthly Payment The Minimum Payment Due each billing
period will equal:
(i) the greater of.
• $40;
• 2% of the New Balance, or
• current Periodic Finance Charges plus Late Fees plus $20,
(ii) plus any past due amount
We may also induce 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.
Skil •A Payment Offers. We may from time to time allow you to not make
a minimum monthly payment and will notify you when this option is
available. If you take advantage of this offer and do not make a minimum
monthly payment finance charges and any applicable fees will accrue on
your Account in accordance with this Agreement and you must pay the
Minimum Payment Due for the following billing periods.
Credit Balances. We will refund any credit balance within seven business
days from receipt of your written request If you do not request a refund,
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1ODCMO_02BOK_TL22AG0210_01361_reader. indd 7-8 12/15109 1:36:42 PM
we will automatically refund credit balances greater than $1 that remain in
your Account after 6 months.
FINANCE CHARGES
How We Calculate Periodic Finance Charges. We begin to impose Periodic
Finance Charges on all transactions from the Transaction Date for the
transaction shown on your billing statement, unless a transaction is posted
to your Account after the dose of the billing period in which it occurs, in
which case we begin to impose Periodic Finance Charges on that transaction
from the first day of the billing period in which it is posted to your Account.
We continue to impose Periodic Finance Charges until the date you pay
your entire New Balance shown on your billing statement by making
payments or receiving credits. However, if you paid the New Balance on
your previous billing statement by the Payment Due Date shown on that
billing statement, we will not impose Periodic Finance Charges on new
purchases, that is, purchases first appearing on the current billing statement,
or any portion of a new purchase, paid by the Payment Due Date on your
current billing statement We call this the "grace period." There is no grace
period on balance transfers or cash advances. As more fully described in the
section titled "How We Apply Payments," we generally app payments to
your Account based on the Annual Percentage Rate app icable to the
balance of each transaction category. This means that if you do not pay the
New Balance on the current billing statement by the Payment Due Date
shown on that billing statement, then, depending on the amount of your
payment and the Annual Percentage Rates on other balances, you may not
get a grace period on new purchases.
We sort your transactions into groups of purchases, cash advances, and
balance transfers and then further sort the transactions within each group
by their Annual Percentage Rate. For example, purchases subject to a
promotional rate and purchases subject to a standard rate would be
separate groups We refer to these groups as transaction categories. At the
end of each billing period, we compute balances and Periodic Finance
Charges for each day of the billing period for each transaction category. We
use the following equation to compute Periodic Finance Charges for each
transaction category:
(Average Daily Balance) times (days in billing period) times
(Daily Periodic Rate).
You may refer to the Finance Charge Summary on your billing statement for
these amounts. Then we add up the Periodic Finance Charges for each
transaction category to get the total Periodic Finance Charges for your
Account The Average Daily Balance is shown as zero if, because of the
grace period, no Periodic Finance Charges apply to the balance in a
transaction category. The Daily Periodic Rate is 1/365th of the corresponding
Annual Percentage Rate.
How We Calculate Your Balances. We use the Average Daily Balance
(including new transactions) method of calculating the balance upon which
we impose Periodic Finance Charges. We compute the Average Daily
Balance for each transaction category by adding up all the daily balances in
a billing period for a transaction category and dividing the total by the
number of days in the billing period. We compute the daily balance for
each transaction category on each day by first adding the following to the
previous days daily balance: transactions with a Transaction Date of that
day as shown on your billing statement, unless the transaction is posted to
your Account after the dose of the billing period in which it occurs, in which
case the transaction will be added to the daily balance as of the first day of
the billing period in which it is posted to your Account, fees charged that
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day and Periodic Finance Charges accrued on the previous day's daily
balance; and by then subtracting any credits and payments that are applied
against the balance of the transaction category on that day. In calculating
the daily balance for the first day of the billing period, we consider the
"previous days 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 trash 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 The Wall Street
Journal on the last business day of the month. The Prime Rate is merely a
pricing index and does not represent the lowest or best interest rate
available to a borrower at any bank at any given time. If you have a variable
rate, your Annual Percentage Rate will increase or decrease when the Prime
Rate changes. This change will be effective beginning with the first day of
the billing period that begins during the same month as the change in the
Prime Rate. An increase in the Annual Percentage Rate may increase your
Minimum Payment Due.
Default Rate. Each time that you do not make the Minimum Payment Due
by the Payment Due Date we may, in accordance with applicable law:
(i) terminate the availability of any promotional Annual Percentage Rates
on new transactions; and
(ii) increase your Annual Percentage Rates for new transactions to variable
Default Rates. Each new variable Default Rate for a new transaction is
determined by adding up to 5 additional percentage points to the
otherwise applicable Annual Percentage Rate and will vary based on any
changes in the Prime Rate. (For example, if the promotional purchase rate
was 2.99% and the rate for other purchases was 15.99% and you paid late
once, the rate for all new purchases could increase up to 20.99% variable
and vary thereafter with the Prime Rate.) When we first determine the
variable Default Rates, we use the Prime Rate effective for the billing period
in which you pay late. The variable Default Rates are determined in
accordance with the Variable Interest Rates section.
We will base your Default Rate on your creditworthiness and other factors
such as your current Annual Percentage Rates and your Account history.
If we increase any of your Annual Percentage Rates to a Default Rate, we
will send you a notice, in accordance with applicable law, advising of (i) the
date the new Default Rate will apply (the 'Default Rate Effective Date"),
(ii) the type of new transactions to which it will be applied (note: the new
Default Rate will not apply to any other transactions) and, (iii) your right to
reject the new Default Rate. New transactions are those transactions which
either 0i have a Transaction Date, as shown on your billing statement, of
more than fourteen days after we mail or deliver the notice to you or, (ii) if
permitted by applicable law, were posted to your Account after the current
Default Rate Effective Date. Your Account will not be subject to a Default
Rate for the first twelve billing periods after your Account is first opened.
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If your Annual Percentage Rate for purchases, balance transfers or cash
advances was increased to a Default Rate, we will, to the extent required
by applicable law, periodically review your Account to determine if any of
your Annual Percentage Rates should be reduced. Any reduced Annual
Percentage Rates on new and existing balances may be different and may
be higher than your previous standard Annual Percentage Rates for
purchases, balance transfers andlor cash advances or any promotional
rate.
Cash Advance Trarsaction Fee Finance Charges. Unless otherwise specified
in a cash advance offer, we will charge you a Cash Advance Transaction Fee
FINANCE CHARGE of 5% of the amount of each new cash advance with a
minimum Cash Advance Transaction Fee FINANCE CHARGE of $10 and no
maximum. The imposition of Cash Advance Transaction Fee Finance
Charges may result in an Annual Percentage Rate for cash advances that is
higher than the nominal Annual Percentage Rate. All forms of cash
advances, including the use of Discover Card checks, regardless of the
purpose for which used, are subject to Cash Advance Transaction Fee
Finance Charges. To obtain the total Finance Charge on cash advances for
each billing period, we add any Cash Advance Transaction Fee Finance
Charges for the billing period charged under this section to any Periodic
Finance Charges calculated under the Periodic Finance Charges section for
each cash advance transaction category and add up these amounts.
Balance Transfer Transaction Fee Finance Charges. Unless otherwise
specified in a balance transfer offer, we will charge you a Balance Transfer
Transaction Fee FINANCE CHARGE of 5% of the amount of each new
balance transfer with a minimum Balance Transfer Transaction Fee FINANCE
CHARGE of $10 and no maximum. The imposition of Balance Transfer
Transaction Fee Finance Charges may result in an Annual Percentage Rate
for balance transfers that is higher than the nominal Annual Percentage
Rate. To obtain the total Finance Charge on balance transfers for each
billing period, we add any Balance Transfer Transaction Fee Finance Charges
for the billing period charged under this section to any Periodic Finance
Charges calculated under the Periodic Finance Charges section for each
balance transfer transaction category and add up these amounts.
Foreign Currency Transaction Fee Finance Charges. We will charge you a
Foreign Currency Transaction Fee FINANCE CHARGE of 2% of the U.S. dollar
amount of each purchase made in a foreign currency. The imposition of
Foreign Currency Transaction Fee Finance Charges may result in an Annual
Percentage Rate for purchases that is higher than the nominal Annual
Percentage Rate. To obtain the total Finance Charge on purchases for each
billing period, we add any Foreign Currency Transaction Fee finance
Charges for the billingg period charged under this section to any Periodic
Finance Charges cakulated 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 $30 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
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I 10DCM0_0280K_TL22AG0210_01361 _reader.indd 11-12
refundable, except as provided by law.
Late Fee. We will charge you a Late Fee if you have failed, as of the Payment
Due Date, to make the Minimum Payment Due that was required to be paid
for that billing period. The amount of the Late Fee is based on the sum of
all outstanding purchases, cash advances, balance transfers, other charges,
other fees and Finance Charges at the end of the billing period for which
we did not receive timely payment If the sum is $250 or less, the fee is $19.
If it is greater than $250, the fee is $39.
Returned Payment Fee. We will charge you a Returned Payment Fee of $35
each time you pay us with a check or other instrument that is returned
unpaid. This fee 411 also apply if a debit transaction to a deposit account
from which you have authorized us in writing, electronically or orally to
periodically deduct all or a part of an amount you owe us under this
Agreement is returned unpaid. We will charge you this fee the first time
any payment is returned unpaid, even if it is paid upon resubmission.
Returned Discover Card Check Fee. We will charge you a Returned Discover
Card Check Fee of $35 each time we decline to honor a Discover Card cash
advance check, balance transfer check, promotional purchase check, or
other promotional check.
Pay4ly-Phone. We may from time to time allow you to make payments by
authorizing us over the telephone to transfer or pay funds from a deposit
account to your Account We will not charge you a Pay-By-Phone Fee.
Research Fee. We may charge you a Research Fee of $5 for each copy of a
billing statement or sales slip that you request However, we will not charge
a fee if you request copies in connection with a billing error.
DEFAULT AND CANCELLATION
Types of Defauh. 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 ay your obligations to us, if
you are declared incompetent by a court .7 a court appoints a guardian
for you or a conservator for your assets; if you die; if you fail to comply with
the terms of this Agreement, including failing to make a required payment
when due, exceeding your Account credit line or using your Card or
Account for a Prohibited Transaction; or if you fail to make a required
payment when due on any other account you have with us.
Consequences of Default If you are in default we may declare the entire
balance of your Account immediately due and payable without notice. If we
refer the collection of your Account to an attorney or employ an attorney to
represent us with regard to recovery of money that you owe us, we may
charge you reasonable attorneys fees and court or other collection costs as
permitted by law and as actually incurred by us, including fees and costs in
connection with any appeal. We may delay enforcing or not enforce any of
our rights under this Agreement without losing or waiving any of them.
Cancellation. You may cancel your Account by notifying us in writing or by
telephone and returning or destroying every Card and unused check that
we have provided you. You can notify us by telephoning 1.800-DISCOVER
(1-B00-347-2683), or by writing Discover, PO Box 30943, Salt Lake City, UT
84130-0943. Of course, you will still be respons"le to pay any amount you
owe us according to the terms of this Agreement If your Account is a joint
Account, either Cardmember may cancel the Account, but you will both
remain responsible to pay any amount owed to us according to the terms
of this Agreement We may cancel or suspend your Account at any time
without notice. We may choose not to renew your Account (beyond the
expiration date shown on the face of a Card) without notice. You must
return any Card or unused checks to us upon request.
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12/15/09 1:36:42 PM
PRIVACY AND OUR COMMUNICATIONS WITH YOU
Our Privacy Policy. We may from time to time review your credit,
employment and income records. We respect the privacy of information
about you and your Account Our Privacy Policy includes a summary of the
personal information we collect, when it may be shared with others, how
we safeguard the confidentiality and security of information and the steps
you may take to limit our sharing of such information with others. Please
read it carefully as it is part of your Cardmember Agreement
Reporting to Credit Reporting Agencies. As indicated in our Privacy Policy,
we may report to credit reporting agencies and other creditors the status
and payment history ofyourAuount 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 calk to your cell one to contact
you about your Account or to offer yyou products or services that may be of
value to you. If you prefer not to be contacted in one or more of these
ways, you must either telephone us at t 800-0ISCOVER (1-800-347-2683) or
write to us at Discover, PO Box 30%1, Salt Lake City, UT 30%1-0%1.
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 securrty number.
Electronic Notices to You. We may offer you the opportunity to receive
certain notices from us electronically rather than through the mail,
including monthly billing statements and change of terms notices. The
terms and conditions for receiving these electronic communications will be
described in the offer.
Notices - Changes to Your Information. If you change your e-mail address,
mailing address or telephone number you must notify us of your new
address or telephone number within 15 days. You can notify us by
telephoning 1-800-DISCOVER (1-800-347-2683) or by writing Discover, PO
Box 30943, Salt Lake City, Ui 84130-0943. If your Account is a joint Account,
any notice we mail to an address you have provided for the Account will
serve as notice to both Cardmembers.
CLAIMS AND DISPUTES
Merchant Disputes. We are not responsible for the refusal of anyone to
accept or honor a Card or to accept checks that we have provided you. If a
merchant fails to provide your purchase to your satisfaction and you
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10DCM0_0260K_TL22AG0210_01361_reader.irdd 13-14
request a credit to your Account, we will investigate the dispute. If we
resolve the dispute in your favor, we will issue a credit to your Account and
you will be deemed to have assigned to us your claim against the merchant
andlor any third party for the credited amount Upon our request, you
agree to provide us with written evidence of such assignment
Claim Notices. In the event that you or we have a claim that arises from or
relates to your Account, any prior account you had with us, your
application, the relationships which result from your Account or the
enforceability of the Agreement or any prior agreement, before initiating,
joining or participating in any judicial or arbitration proceeding, as either
an individual litigant or member of a class ("Proceeding"), the complaining
party shall give the other party: (1) a written notice of the claim ("Claim
Notice"), at least 15 days before initiating any Proceeding, explaining in
reasonable detail the nature of the claim and any supporting facts and (2)
a reasonable good faith opportunity to resolve the claim without the
necessity of a Proceeding. This includes any claims involving our parent
corporation, subsidiaries, affiliates (including, without limitation, DFS
Services LLC), predecessors, successors, assigns, as well as the officers,
directors and employees of each of these entities. Any Claim Notice shall be
sent to us at Discover, PO Box 3024, New Albany, OH 43054 (or such other
address as we shall subsequently provide to you) (the "Claim Notice
Address") or to you at your address appearing in our records or, if you are
represented by counsel, to your attorney at your attorneys office.
Arbitration of Disputes. Agreement to arbitrate. In the event of any past,
present or future claim or dispute (whether based upon contract, tort,
statute, common law or equity) between you and us arising from or
relating to your Account, any prior account you have had with us, your
application, the relationships which result from your Account or the
enforceability or scope of this arbitration provision, of the Agreement or of
any prior agreement, you or we may elect to resolve the claim or dispute by
biding arbitration. IF EITHER YOU OR WE ELECT ARBITRATION, NEITHER
YOU NOR WE SHALL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT
OR TO HAVE A JURY TRIAL ON THAT CLAIM. PRE-HEARING DISCOVERY
RIGHTS AND POST-HEARING APPEAL RIGHTS WILL BE LIMITED. NEITHER
YOU NOR WE SHALL BE ENTITLED TO JOIN OR CONSOLIDATE CLAIMS IN
ARBITRATION BY OR AGAINST OTHER CARDMEMBERS WITH RESPECT TO
OTHER ACCOUNTS, OR LITIGATE IN COURT OR ARBITRATE ANY CLAIMS AS
A REPRESENTATIVE OR MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY
GENERAL CAPACITY ("Class Action Waiver").
Notwithstanding anything else to the contrary in this arbitration provision,
only a court, and not an arbitrator, shall determine the validity and effect of
the Class Action Waiver. Even if all parties have opted to litigate a claim in
court, you or we may elect arbitration with respect to any, claim made by a
new party or any new claims later asserted in that lawsuit and nothing
undertaken therein shall constitute a waiver of any rights under this
arbitration provision. We will not invoke our right to arbitrate an individual
claim you bring in small claims court or your state's equivalent court, if any,
unless such action is transferred, removed or appealed to a different court
Governing Law and Rules. Your Account involves interstate commerce and
this provision shall be governed by the Federal Arbitration Act (FAA). The
arbitration shall be conducted, at the option of whoever files the arbitration
claim, by either the American Arbitration Association (AAA) or JAMS in
accordance with their procedures in effect when the claim is filed. For a
copy of their procedures, to file a claim or for other information, contact
AAA at 335 Madison Ave., Floor 10, New York, NY 10017-5905,
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12/15/09 1:36:42 PM
www.adr.org (phone 1-800-778-7879) or JAMS at 620 Eighth Ave., Floor 34,
New York, NY 10018, www.jamsadr.com (phone 1-800-352-5267). No other
arbitration forum will be permitted, except as agreed to pursuant to either
the Changes to this Agreement section or a writing signed by both parties.
If neither AAA nor JAMS is able or willing to serve as the arbitration
administrator and we and you are unable to agree on a replacement
administrator or arbitrator, then a court of competent jurisdiction will
appoint an administrator or arbitrator or arbitrators (n the case of an
appeal to a panel of three arbitrators as described below). Unless consented
to by all parties, no arbitration may be administered by any administrator
or arbitrated by any arbitrator that has any formal or informal policy, rule
or procedure that is inconsistent with or purports to override the terns 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 andlor other arbitration costs, we will be responsible for paying or
reimbursing such costs and fees if awarded by the arbitrator.
Fees and Costs. At your written request, we will advance any arbitration
filing, administrative and hearing fees which you would be required to pay
to pursue a claim or dispute as a result of our electing to arbitrate that claim
or dispute. Send requests to Discover, PO Box 30421, Salt Lake City, UT
84130-0421. The arbitrator will decide who will ultimately be responsible
for paying those fees. You will only be responsible for paying or reimbursing
our arbitration filing, administrative or hearing fees to the extent you
would have been responsible for paying "attomeys' 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 arbitrator shall follow
applicable substantive law to the extent consistent with the FAA and
applicable statutes of limitations and shall honor claims of privilege
recognized at law and shall be authorized to award all remedies permitted
by the substantive laws that would apply if the action were pending in
court. If requested by any party, the arbitrator shall write an opinion
containing the reasons for the award. The arbitrator's decision will be final
and binding except for any appeal rights under the FAA and except that if
the amount in controversy exceeds $100,000, any party may appeal the
award within 30 days to a three-arbitrator panel, which shall review the
award de novo. Unless applicable law provides otherwise, the appealing
party will pay the cost of the appeal, regardless of its outcome. However,
we will consider in good faith any reasonable request for us to bear the fees
charged by the arbitration administrator and the arbitrators in connection
with the appeal. Judgment upon any award by the arbitrator may be
enforced in any court having jurisdiction.
Other Beneficiaries of this Provision. Our rights and obligations under this
arbitration provision shall inure to the benefit of and be binding upon our
parent corporations, subsidiaries, affiliates (including, without limitation,
DES Services LLC), predecessors, successors, assigns, as well as the officers,
directors and employees of each of these entities, and will also inure to the
benefit of any third party named as a co-defendant with us or with any of
the foregoing in a claim which is subject to this arbitration provision. Your
rights and obligations under this arbitration provision shall inure to the
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benefit of and be binding upon all persons contractually liable under this
Agreement and all Authorized Users of the Account.
Survival ofthisProvision. This arbitration provision shall survive termination
of your Account as well as voluntary payment in full by you, any legal
proceedings by us to collect a debt 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 repMn within 30 days after
receiving a Card, at the foAowing address: Discover, PO Box 30938, Salt
Lake Cdy, UT 84130-0938. If you were previously subject to arbitration with
respect to any account with us, this right to reject arbitration will not apply
to you. Your rejection notice must include your name, address, telephone
number, Account number and signature and must not be sent with any
other correspondence. Calling us to indicate that you reject the Arbitration
of Disputes section or sending a rejection notice in a manner or format that
does not comply with all applicable requirements is insufficient notice. In
order to process your notice, we require that the notice be provided by you
directly and not through a third party. Rejection of arbitration will not
affect your other rights or responsibilities under this Agreement or your
obligation to arbitrate disputes under any other account as to which you
and we have agreed to arbitrate disputes. If you do not send a rejection
notice, you will be obligated by the Arbitration of Disputes section with
respect to this and any prior account you have had with us, even if you have
previously sent a rejection notice with respect to that prior account.
LEGAL INTERPRETATION OF THIS AGREEMENT
Severabdity, If arty part of this Agreement becomes unenforceable, it will
not make any other part unenforceable, except that if the Class Action
Waiver set forth above in the Arbitration of Disputes 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 Fmance Charges or other charges at a rate that is greater
than the maximum amount permitted by law. If it is ever finally determined
that, but for this section, the Finance Charges or other charges under this
Agreement would exceed the maximum lawful amount, the Finance
Charges and other charges will be reduced to the maximum lawful amount.
Any excess amount that you have already paid will be used to reduce the
outstanding balance of your Account or will be refunded to you by means
of a check in our discretion.
Governing lavw This Agreement and any claim or dispute arising out of
this Agreement will be governed by applic" federal law and, to the
extent state law applies, Delaware law.
ASSIGNMENT OF ACCOUNT
We may sell, assign or transfer your Account or any portion thereof without
notice to you You may not sell, assign or transfer your Account without first
obtaining our prior written consent.
PRIVACY POUCY
We are required by federal law to provide you with a copy of our Privacy
Policy each year Nyou have previously notified us about your privacy
preferences, as desarbed in Section 4, it is not necessary to do so again
unless you decide to change your preferences.
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10DCM0_02BOK_TL22AG0210_01361_reader.indd 15-16 12/15/09 136:43 PM
We Respect Your Privacy
Our mission is to provide you with superior products and services, along with
the peace of mind knowing that the security of your personal information is
our top priority. We understand your concerns about guarding information
about you and your Account. We want to assure you that we have taken
steps, and will continue to take steps, to safeguard that information.
This Privacy Policy describes our efforts to meet these objectives. 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. R will help you understand how we
collect and share information.
1. What Personal Information Do We Collect?
To serve you better and manage our business, it is important that we collect
and maintain accurate personal information about you. We obtain this
information from applications and other forms you submit to us, from your
dealings with us and others, from consumer reporting agencies, and from
other sources, such as our Web sites. For example:
• We may obtain information such as your name, address and date of birth
from applications and other forms you submit to us.
• We may obtain information such as Account balances, payment history,
your use of your Account and the types of services you prefer from your
transactions and other dealings with us and others.
• We may obtain information such as the balances of your loans with other
lenders and your payment history with others from consumer reporting
agencies.
• We may obtain information such as your Internet service provider, your
e-mail address, your computer's operating system and Web browser, your
Web site use and your product and service preferences from your visits to
Web sites.
2. Is Personal Information Shared with Others?
We limit the sharing of information with others. Many of the offers you
receive for products and services are provided directly to you from us. For
example, a retailer that accepts the Discover@ Card may come to us with a
special offer for Cardmembers, such as a discount certificate or product
upgrade. After careful consideration of the nature of the offer and the
company, we will create a list of Cardmembers who may be interested in the
offer based on certain characteristics. We will send the offer directly to
those Cardmembers on behalf of the retailer by, for example, including an
insert in their monthly billing statement or mailing the offer ourselves. We
control the information used to make the offer, we do not share the list or
any information about our Cardmmembers with the retailer. However, please
understand that if you do receive this type of offer from us and choose to
take advantage of it, the retailer may then learn information about you
because only Cardmembers with certain characteristics received the offer.
There are, however, circumstances in which we may share the information
we collect about you, as described in Section 1, with other companies in
order to provide you with access to products and services and to service your
Account effectively, as detailed below. We require these companies to
adhere to our privacy standards and to use this information only for the
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limited purpose for which it was shared. We do TIM allow them to disclose
it to others without our prior approval.
a. Sharing Personal Information with Our Corporate Family
our corporate family offers a variety of products and services that can help
you manage your finances. In order to provide you with access to these
products and services, we may share the information we collect about you,
as described in Section 1, with other members of our corporate family.
These companies include financial service providers that offer credit
protection, card servicing and payment processing services.
b. Sharing Personal Information with Non-Affiliated Parties for
Marketing Purposes
We may share the information we collect about you, as described in Section
1, with non-affiliated third parties, including those that accept the Discover
Card, in order to provide you with access to products and services offered
directly by these companies that may be of value to you. These companies
include financial service providers, such as insurance companies, and non-
financial companies, such as retailers.
c. Sharing Personal Information with Others
We may share the information we collect about you, as described in Section
1, with companies that perform support or marketing services on our behalf,
such as mailing, market research and data processing; other financial
institutions with which we have joint marketing agreements or companies
that are our partners for co-brand credit card program or reward programs.
We may also share such information as permitted by law.
3. How Do We Protect the Confidentiality, Security and Integrity of
Information about You?
We maintain physical, electronic and procedural safeguards to protect the
information we collect about you. Access to such information is restricted to
individuals who need it in order to service your Account or provide products
and services to you, and who are trained in the proper handling of such
information. Employees who violate these confidentiality requirements are
subject to our disciplinary process. Where third parties provide support
services, we require them to conform to our privacy standards.
It is important that the information we maintain about you is accurate and
complete. If you see information in your monthly billing statements or
elsewhere which suggests that our information is incomplete or inaccurate,
please write to us at Discover, PO Box 30943, Sal Lake City, UT 64130-0943
so that we can update this information.
4. How Can You Limit Sharing of Information About You?
We respect your privacy and offer you choices as to whether we may share
information about you with others. You have the option to tell us not to share
the information we collect about you, as described in Section 1, with non-
affiliated third parties. You also have the option to tell us not to share the
information we collect about you, as described in Section 1, with companies
in our corporate family. If you indicate a preference for either of these
options, please understand that you may not receive offers for products and
services provided by other companies that could help you lower your costs,
maximize your financial resources, or manage your finances.
To indicate your preferences, pplease d us at 1-800-225-5202 or write to
Discover, PO Box 30961, Saft Lake City, UT 84130-0%1. If you have
previously ratified 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
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1000MO_02BOK_TL22AGO210_01361 _readecindd 17-18 12/15/09 1:36:43 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 credit card account you have with us.
You may notify us about your preferences at any time. Your request will
remain in effect until you notify us otherwise. We will honor your request
and not share this information except as permitted by law. For example,
federal law permits us to share information about you with consumer
reporting agencies, service providers and financial institutions with which
we havejoint marketing agreements. If you are a new Cardmember, we will
not share any information about you, except as permitted by law, for thirty
days after we provide this Policy to you in order to give you an opppoortunity
to inform us about your preferences. If you are an existing Cardmember,
please understand that you may continue to receive marketing offers
directly from other companies that were already in production prior to the
processing of your request.
This Privacy Policy is provided to the primary Cardmember listed on the
Account However, any joint Cardmember has the right to notify us about
preferences and we will treat that request as applying to the entire
Account We do not share information about former customers, except as
permitted by law. This notification supersedes all previously issued Privacy
Policies. We reserve the right to amend this Privacy Policy from time to time
and we will notify you if we do so.
This Privacy Policy is provided to you by Discover Bank and its subsidiaries,
which currently include GTC Insurance Agency, Inc. and Discover Products
Inc. Unless otherwise specified, it applies to the family of Discover Cards for
consumers and the products and services offered in connection with those
Cards, including the Wallet Protection card registration service (with the
exception of any information registered in connection with the service,
which will not be shared). It is part of your Cardmember Agreement and
provides a further explanation of how we collect and share information.
You may have other rights under state laws that apply to this information.
Please note that you will also receive privacy notices for other credit card
accounts you have with us, as well as other financial products and services
provided to you by us and our affiliates. You will need to indicate your
preferences for each of these separately as disclosed in the notice.
Vermont Residents - Your state law requires financial institutions to obtain
your consent prior to sharing information about you with others. Except as
permitted by law, we will not share information we collect about you with
non-affiliated third parties or companies in our corporate family unless you
call us at 1 ?O DISCOVER (1 800 347-2683) and authorize us to do so.
Califomia Residents-Your state law requires financial institutions to obtain
your consent prior to sharing information about you with non-affiliated
third parties. Except as permitted by law, we will not share information we
collect about you with non-affiliated third parties while you are a resident
of California.
Your Billing Rights
KEEP THIS NOTICE FOR FUTURE USE
This notice contains important information about your rights and our
responsibilities under the Fair Credit Billing Act
1. Notify Us in Case of Errors or Questions About Your Bill
If you think your bill is wrong or if you need more information about a
transaction on your bill, write us on a separate sheet of paper at the address
listed on your bill for Notice of Billing Errors. Write to us as soon as possible.
We must hear from you no later than 60 days after we sent you the first bill
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on which the en or or problem appeared. You can telephone us, but doing
so will not preserve your rights.
In your letter, give us the following information:
• your name and Account number.
• your dollar amount of the suspected error.
• describe the error and explain, if you can, why you believe there is an error.
If you need more information, describe the item you are not sure about
If you have authorized us to pay your credit card bill automatically from
your savings or checking account, you can stop the payment on any amount
you think is wrong. To stop the payment, your letter must reach us three
business days before the automatic payment is scheduled to occur.
Z Your Rights and Our Responsibilities After We Receive Your Written
Notice
We must acknowledge your letter within 30 days, unless we have corrected
the error by then. Within 90 days, we must either correct the error or
explain why we believe the bill was correct.
After we receive your letter, we cannot try to collect any amount you
question or report you as delinquent We can continue to bill you for the
amount you question, including finance charges and we can apply any
unpaid amount against your Account credit limit. You do not have to pay
any questioned amount while we are investigating, but you are still
obligated to pay the parts of your bill that are not in question.
If we find that we made a mistake on your bill, you will not have to pay any
finance charges related to any questioned amount. If we didn't make a
mistake, you may have to 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 Howeve, if our explanation does not satisfy you and you write
us within ten days telling us that you still refuse to pay, we must tell anyone
we report you to that you have a question about your bill. And, we must
tell you the name of anyone we reported you to. We must tell anyone we
report you to that the matter has been settled between us when it finally
is. If we don't follow these rules, we can't collect the first $50 of the
questioned amount, even if your bill was correct.
3. Spedd Rule for Credit Card Purchases
If you have a problem with the quality of goods or services that you
purchased with a credit card, and you tried in good faith to correct the
problem with the merchant, you may have the right not to pay the
remaining amount due on the goods or services. There are two limitations
on this right:
(a) you must have made the purchase in your home state or, if not within
your home state, within 100 miles of your current mailing address, and
(b) the purchase price must have been more than $50.
These limitations do not apply if we own or operate the merchant or if we
mailed you the advertisement for the goods or services.
4. Purd ases 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 19-20 12/15109 136:43PM
DESCRIPTION OF COVERAGE
SCHEDULED AIR TRAVEL ACCIDENT INSURANCE
DiscoverO Cardmembers are provided with $500,000 Scheduled Air Travel
Accident Insurance.* You, your Spouse, Domestic Partner or eligible
Dependent Children for whom a ticket was purchased on your Card (as
defined below) will be automatically insured against Accidental Loss of Life
arising from and occurring on a Covered Trip while you, your Spouse,
Domestic Partner or eligible Dependent Children for whom a ticket was
purchased on your Card are riding as a passenger in or entering, exiting or
being struck by a Scheduled Aircraft or a conveyance operated by a military
transport service or riding as a passenger in or entering or exiting any
conveyance licensed to carry the public for a fee and while traveling directly
to or from the airport immediately preceding the departure of a Scheduled
Aircraft on which the Insured Person has purchased passage and immediately
following the arrival of a Schedule Aircraft on which the Insured Person was
a passenger.
*Coverage is underwritten by Federal Insurance Company, a member
insurer of the Chubb Group of Insurance Companies. Certain limitations
and exclusions apply.
PLAN FEATURES
THE BENEFITS: The full Benefit Amount ($500,000) is payable for Accidental
Loss of Life. The Loss must occur within one year of the Accident
MAXIMUM LIMIT OF INSURANCE: If more than one Insured Person suffers
a Loss in the same Accident, the Company will not pay more than the
maximum limit of insurance ($20,000,000) per Accident If an Accident
results in Benefit Amounts becoming payable, which when totaled, exceed
the applicable limit of insurance shown above, the maximum limit of
insurance will be divided proportionally among the Insured Persons, based
on each applicable Benefit Amount In the event of multiple Accidental
deaths per Account arising from any one Accident, the Company's liability
for all such Losses will be limited to a maximum limit of insurance equal to
two times the applicable Benefit Amount for Loss of Life. Benefits will be
proportionately divided among the Insured Persons up to the maximum
limit of insurance.
DEFINITIONS:
Accident or Accidental means a sudden, unforeseen and unexpected event
happening by chance, and includes unavoidable exposure to elements
arising from a covered Hazard.
Aaidental Bodily Inju iesl means bodily injury which is Accidental, is the
direct source of a Loss, is independent of disease, illness or other cause and
occurs while this policy is in force.
Account means a Card account.
Benefit 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.
wry means the Federal Insurance Company.
Covered Tri o means travel on a Scheduled Aircraft when the entire cost of
the passenger fare for such transportation, less redeemable certificates,
vouchers or coupons, has been charged to the Insured Person's Account
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
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10DCM0_02BOK_TL22AG0210_01361_reader.indd 21-22
are: (1) under the ace of 19 and reside with the Insured Person; (2) beyond
the age of 19, permanently mentally or physically challenged and incapable
of self support; or (3) under the age of 25 and classified as full-time students
at an institution of higher learning.
Domestic Partner means a person who: (1) is at least 19 years of age and
competent to enter into a contract; (2) is not related to the Insured Person
by blood; (3) has exclusively lived with the Insured Person for at least one
year prior to the date of enrollment; (4) is not legally married or separated;
and (5) as of the date of enrollment, has with the Insured Person at least
two of the following financial arrangements: (a) a joint mortgage or lease;
(b) a joint bank account; (c) joint title to or ownership of a motor vehicle or
status as a joint lessee on a motor vehicle lease; or (d) a joint credit card
account with a financial institution. Neither the Insured Person nor the
Domestic Partner can be married to, nor in a civil union with, anyone else.
NazaLd means the covered circumstances for which this insurance is
provided as stated in Section III of the Declarations, Hazards, and described
in the Hazards form, as described on page 1 of this Description of
Coverage.
Insured Person means all Cardmembers, their spouses, Domestic Partners
and Dependent Children, as well as authorized users of the Account.
LM means the Loss of Life.
Loss of Life means death, including clinical death determined by the local
governing medical authorities.
PoligbgW r means DFS Services LLC, the entity responsible for the payment
of premium.
Scheduled Aircraft means an aircraft owned and/or operated by a
Scheduled Airline.
Scheduled Airline means an airline which is either of United States registry
and certified by the United States government to carry passengers on a
regularly scheduled basis or of foreign register and approved by the United
States government and the appropriate foreign authority.
WK means hostilities following a declaration of War by a government
authority. If there is no declaration of War, then (1) armed, open and
continuous hostilities between two countries or (2) armed, open and
continuous hostilities between two factions, each in control of territory, or
claiming jurisdiction over the site of the area of hostility.
DISAPPEARANCE BENEFITS. If the Insured Person has not been found within
one year of the disappearan(e, stranding, sinking, wrecking or breakdown of
any Scheduled Aircraft or conveyance in which the Insured Person was covered
as an occupant, it will be assumed, subject to all other terms of the policy, that
the Insured Person has suffered Loss of Life covered under this policy.
EXPOSURE BENEFITS: Accident includes unavoidable exposure to elements
arising from a covered Hazard.
EUGIBlUTY: This insurance plan is provided to Insured Persons automatically
when the entire cost of the passenger fare(s) on a Scheduled Airline is
charged to the Cardmember's Account while the insurance is effective. It is
not necessary for you to notify the Policyholder or the Company when
Scheduled Aidine tickets are purchased.
EFFECTIVE DATES: Your insurance under this insurance plan is effective on
the later of: 1) April 1, 2007; or 2) the date you become an eligible
Cardmember. Your insurance coverage under this insurance plan will cease
on the earlier of: (1) the date the insurance coverage is terminated; or
(2) the date you cease to be an eligible Cardmember.
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12/15/09 1:36:44 PM
COST: This insurance plan is provided at no additional cost to eligible
Insured Persons for Covered Trips. Policyholder pays the full cost of the
insurance.
THE BENEHCIARY: The Loss of Life benefit will be paid to the beneficiary
designated by you. If no such designation has been made, that benefit will
be paid to the first surviving beneficiary in the following order a) your
spouse; b) your children; c) your parents d) your brothers and sisters, e) your
estate. All other indemnities will be paid to you. If you wish to change your
beneficiary, you may request a beneficiary designation form by writing to
the plan administrator at: The Direct Marketing Group, Inc, 13265 Bedford
Avenue, Omaha, NE 68164 or at Beneficiaryrequest@TheDirectMG.com.
EXCLUSIONS: This insurance plan does not cover Loss resuf ing from: (1) an
Accident occurring while an Insured Person is in, entering, or exiting any
aircraft owned, leased or operated by this Policyholder or any aircraft
owned, leased or operated by an employee of the Policyholder on behalf
of the Policyholder (this exclusion does not apply to aircraft chartered with
pilot or crew on one time charter basis), (2) an accident while an insured
Person is in, entering, or exiting any aircraft while acting or training as a
pilot or crew member (this exclusion does not apply to passengers who
temporarily perform pilot or crew functions in a life threatening emergency);
(3) emotional trauma, mental or physical illness, disease, pregnancy,
childbirth or miscarriage, bacterial or viral infection, or bodily malfunctions
(except bacterial infection caused by an Accident or from Accidental
consumption of a substance contaminated by bacteria); (4) suicide,
attempted suicide or Loss that is intentionally self-inflicted; or (5) declared
or undeclared War.
CLAIM NOTICE: Written claim notice must be given to the Company within
90 days after the occurrence of any Loss covered by this policy or as soon as
reasonably possible. Failure to give notice within 90 days will not invalidate
or reduce any otherwise valid claim if notice is given as soon as reasonably
possible.
CLAIM FORMS: When the Company receives notice of a claim, the Company
will send you forms for giving proof of Loss to us within 15 days. If you do
not receive the forms, you should send the Company a written description
of the Loss.
CLAIM PROOF OF LOSS: Complete proof of Loss must be given to
Company within 90 days after the date of loss, or as soon as reasonably
possible. Failure to give complete proof of Loss within these time frames
will not invalidate any otherwise valid claim if notice is given as soon as
reasonably possible and in no event later than one year after the
deadline to submit complete proof of Loss.
CLAIM PAYMENT: The Company will pay you or your beneficiary the
applicable Benefit Amount within 60 days after complete proof of Loss
is received and if you, the Policyholder and/or the beneficiary have
complied with all the terms of the policy.
ARBITRATION: In the event of a dispute under this policy, either the
Company or the Insured Person may make a written demand for
arbitration. In that case, the Company and the Insured Person will each
select an arbitrator. The two arbitrators will select a third. If they cannot
agree within 15 days, either the Company or the Insured Person may
request that the choice of arbitrator be submitted to the American
Arbitration Association. The arbitration will be held in the state of the
Insured Person's principal residence.
IF YOU HAVE ANY CLAIM RELATED QUESTIONS, PLEASE CALL THE
-20-
CLAIMS SERVICE CENTER AT 1-800-CLAIMS-0 (1-800-252-4670).
You can also go to the Company web site (www.chubb.com), click on
Report a Loss, select Accident, Benefits and Life claims, select the
appropriate form, print out the claim form, fill out and mail. You can file
a claim by mail or fax.
Mailing Address: CHUBB GROUP OF INSURANCE COMPANIES
CLAIMS SERVICE CENTER
600 INDEPENDENCE PARKWAY
PO BOX 4700
CHESAPEAKE, VA 23327-4700
Fax Number. 1-800-300-2538
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 provisions are contained in the
Master Policy, which can be obtained from the Policyholder:
Policy #9906-18-06
Policy Underwritten By Plan Administrator
Federal Insurance Company The Direct Marketing Group, Inc.
a member insurer of the 13265 Bedford Avenue
Chubb Group of Insurance Companies Omaha, NE 68164
15 Mountain View Road, PO Box 1615
Warren, NJ 07061-1651
DESCRIPTION OF COVERAGE
SECONDARY RENTAL CAR COLLISION COVERAGE
Discover@ Cardmembers can benefit from the security and safety offered
through Excess Collision Damage Waiver. If you rent a vehicle for 31
consecutive days or less (or 45 days under certain circumstances described
below) with your Card (as defined below), you may be eligible for benefits
under this coverage. Excess Collision Damage Waiver is an insurance
program, underwritten by Federal Insurance Company Policy #9906-17-63
(the "Policy").
DEFINITIONS:
Account means a Card account
Actual Cash Value means the cost to repair or replace the Rented
Automobile at the time of loss, less depreciation.
Cardmember means the holder of the Card whose name appears on the
credit card.
Q& means the Discover Card.
Collision Damage means the direct and accidental damage to a Rented
Automobile caused by upset or collision with another object. Collision
Damage does not include loss caused by missiles, falling objects, fire, theft
or larceny, explosion, earthquake, windstorm, hail, water, flood, malicious
mischief or vandalism, riot or civil commotion.
Company means the Federal Insurance Company.
h%ld means Cardmembers and authorized users of the Account.
di older means DFS Services LLC, the entity responsible for the payment
of premium.
Rental Me= means a commercial automobile rental company licensed
under the laws of the applicable jurisdiction.
Rented Automobile means a four-wheeled private passenger type motor
vehicle or a minivan manufactured and designed to transport a maximum
of seven passengers and used excursively to carry passengers. A Rented
-21-
10DCM0_02BOK_TL22AGO210_01361_readerAndd 23-24 12/15109 1:36:44 PM
Automobile must be designed for travel on public roads and rented from
Rental Agency.
TO GET COVERAGE:
• The Collision Damage Waiver Coverage is provided to you, as an Insured,
automatically when the entire rental fee for the Rented Automobile is
charged or debited to your Account. It is not necessary for you to notify
the Company at the time the rental fee is charged or debited to your
Account.
• You must decline the Loss/Damage Waiver offered by the vehicle Rental
Aency-
• You must rent the vehicle in your own name and sign the vehicle rental
agreement1contract
• The coverage period will not exceed 31 consecutive days, or 45
consecutive days if the insured is an employee of an organization which
has provided a Card to the Insured for business use.
THE KIND OF COVERAGE YOU RECEIVE:
In consideration of the premium paid by the Policyholder as required, and
subject to all the terms of the Policy, the Company agrees to reimburse on an
Actual Cash Value basis either the Insured or the Rental Agency for repair or
replacement of the Rented Automobile as a result of Collision Damage to the
Rented Automobile. The Company's liability will be for a maximum
reimbursement of $25,000. In no event will the Company be liable beyond the
amounts actually paid by the Insured or the Rental Agency.
• If you or an Insured's primary vehicle insurance or other coverage has
made payments for a covered loss, Excess Collision Damage Waiver will
cover your deductible and any other eligible amounts not covered by
other insurance.
• This coverage is not all-inclusive, which means it does not cover such
things as personal injury or personal liability. lt does not cover you for any
damages to other vehicles or property. It does not cover you for any injury
to any party.
WHO IS COVERED:
• Discover Cardmembers
EXCLUDED RENTAL VEHICLES:
Off-road, antique or limited edition motor vehicles,, trucks, recreational
vehicles, campers, pickup trucks, and mini-buses; limited edition motor
vehicles or high value, exotic, high performance or collector type. High value
motor vehicles are motor vehicles whose replacement value exceeds f 50,000,
and antique motor vehicles are defined as any vehicle over 25 years old, or
any vehicle which has not been manufactured for 10 years or more.
WHERE YOU ARE COVERED:
• Coverage applies to vehicles rented anywhere in the world.
• Coverage is not available where prohibited by law.
WHAT 5 No COVERED:
Coverage does not apply to loss resulting from the following:
• Any dishonest fraudulent or criminal act of the Insured.
• Forgery by the Insured.
• Loss due to war or confiscation by authorities.
• Loss due to nuclear reaction or radioactive contamination.
• The Insured being intoxicated, as defined by the laws of the jurisdiction
where the loss occurred, or under the influence of any narcotic unless
prescribed by a physician.
• Use of the Rented Automobile to carry passengers and property for hire.
-22-
• 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.
• Loss of use of the Rented Automobile.
• Intentional damage to the Rented Automobile by the Insured.
• Damage which is due and confined to wear and tear, freezing, mechanical
or electrical breakdown or failure.
• Damage to tires unless the loss is coincident with a covered loss.
• Use of the Rented Automobile in tests, races or contests.
• The Rented Automobile being operated or located in any territory
prohibited by the terms of the Rental Agreement
FOR INSUREDS WHO ARE NEW YORK STATE RESIDENTS:
To the extent that this plan provides insurance against damage to a rented
motor vehicle, the following terms and conditions apply: (1) the period of
insurance coverage will not exceed 31 consecutive days, or 45 consecutive
days if the Insured is an employee of an organization which has provided
the Card to the Insured for business use; and (2) the insurance provided by
this plan will be excess over any other valid and collectible insurance cover-
ing the Rented Automobile. However, the insurance provided under this
plan may be primary4 specifically provided for under the terms of this plan
and rf the folI ing criteria is 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 reasonably possible.
IF YOU HAVE ANY CLAIM RELATED QUESTIONS, PLEASE CALL THE CLAIMS
SERVICE CENTER AT 1-800{LAIMs-0 (14800252-4670).
You can also go to the Company Web site (www.chubb com), dick on Report a
Loss, select Accident, Benefits and Life claims, select the appropriate form, print
out the claim form fill out and mail. You can file a claim by mail or fax.
Mailing Address: CHUBB GROUP OF INSURANCE COMPANIES
CLAIMS SERVICE CENTER
600 INDEPENDENCE PARKWAY
PO BOX 4700
CHESAPEAKE, VA 23327-4700
Fax Number. 1-800-300-2538
CLAIM PROCEDURE:
The Insured must send the Company written notice of a claim, including the
Insured's name and Policy number, within 90 days after a covered loss
occurs. If notice cannot be given within that time, it must be given as soon
as reasonably possible. To file a sworn Proof of Loss, the Insured must send
the following information to the Company or its authorized
representative:
• A copy of the Account statement showing the automobile rental
transaction.
• A copy of the automobile rental agreement
• A copy of the police report.
• A copy of the initial claim report submitted to the automobile Rental
Agency-
• A copy of the paid claim presented by the automobile Rental Agency for
the Collision Damage for which the Insured is responsible.
-23-
10DCM0_02BOK_TL22AG0210_01361_reader.indd 25.26 12/15/09 1:36:44 PM
• Proof of submission of the loss to, and the results of any settlement or
denial by the applicable insurance carrier(s).
• If no other insurance is applicable, a notarized statement from the Insured
to that effect.
Reminder. Please refer to the Insurance Disclosures section.
INSURANCE DISCLOSURES
As a handy reference guide, please read this document and keep it in a safe
place with your other insurance documents. This Summary of Coverage is
not a contract of insurance but is simply an informative statement to
eligible Insureds of the principal provisions of the insurance while in effect.
Complete provisions pertaining to this plan of insurance are contained in
the master policy on file with DIPS Services LLC, herein referred to as the
Policyholder. If a statement in this Summary of Coverage and any provision
in the policy differ, the policy will govern.
Policy Underwritten By Plan Administrator
Federal Insurance Company ("Company") The Direct Marketing Group, Inc.
a member of the 13265 Bedford Avenue
Chubb Group of Insurance Companies Omaha, NE 68164
15 Mountain View Road, PO Box 1615
Warren, NJ 07061-1651
Master Policy Number: 9906-17-63
Effective date of benefits: Effective April 1, 2007, this guide replaces all
prior disclosures, program descriptions, advertising, and/or brochures by
any party. Policyholder and Company reserve the right to change the
benefits and features of these programs at any time.
Canceiaton: Policyholder sun cancel these benefits at any time or choose
not to renew the insurance coverage for all authorized Cardmembers. If
Policyholder does cancel these benefits, you will be notified at least 60 days
in advance. If the Company terminates, cancels, or chooses not to renew the
coverage to Policyholder, you will be notified as soon as is practicable,
Insurance benefits will still apply for any benefits you were eligible for prior
to the date of such terminations, cancellation, or non-renewal, subject to
the terns and conditions of coverage.
Benefits to you: These benefits apply only to Cardmembers whose cards are
issued by U.S. financial institutions. The United States is defined as the 50
United States, the District of Columbia, American Samoa, Puerto Rico,
Guam and the U.S. Virgin Islands. No person or entity other than the
Cardmember shall have any legal or equitable right, remedy, or claim for
insurance proceeds andlor damages under or arising out of this coverage.
These benefits do not apply if your Card privileges have been cancelled.
However, insurance benefits will still apply for any benefit you were eligible
for prior to the date that your Account is suspended or cancelled subject to
the terms and conditions of coverage of your Cardmember Agreement.
Transfer of rights or benefits: No rights or benefits provided under these
insurance benefits may be assigned without the prior written consent of
the Company.
Misrepresentation and Fraud Coverage of the Insured will be void if, at any
time, the Insured has concealed or misrepresented any material fact or
circumstance concerning this coverage or the subject thereof or the interest
of the Insured herein, or in case of any fraud or false swearing by the
Insured relating thereto.
Coverage for an Insured will be void if, whether before or after a loss, the
Policyholder or its subscribing organization(s) has concealed or
-24-
misrepresented any material fact or circumstance concerning this coverage
or the subject thereof or the interest of the Insured therein, or in case
of any fraud or false swearing by the Policyholder or its subscribing
organization(s) relating hereto.
Addition of New Insureds: All eligible persons will be automatically insured
under this Policy.
Examination Under Oath: It is a condition of this insurance that the Insured
and the Policyholder, as often as may be reasonably required by the
Company, will submit, and within its power cause others to submit, to
examinations under oath and will produce for examination all writings,
books of account, bills, invoices and other vouchers, or certified copies
thereof if originals are lost, at such reasonable time and place as may be
designated by the Company or its representative, and will permit extracts
and copies thereof to be made. No such examination under oath,
examination of documents or any other act of the Company, its employees
or representatives in connection with the investigation of any loss or daim
will be deemed a waiver of any defense and such acts shall be deemed to
have been made or done without prejudice to the Company's liability.
No Benefit to Others: This coverage will in no way inure directly or indirectly
to the benefit of any insurer, person or organization or other bailee.
Subrogation: It is a condition of this insurance that if the Company pays the
Insured for a loss, it will require the Insured to assign and transfer any claim
or right of action against any individual, firm or corporation for such loss to
the Company or subrogate or hold in trust all such rights to the extent of
the amount paid. The insured will agree to take action as requested by the
Company to enforce such rights. Upon payment by the Company to the
Insured, the Insured agrees to direct enforcement of such rights as
reasonably requested by the Company and to return to the Company any
recovery to the extent payment of loss has been made by the Company.
Arbitration: In the event of a dispute under this policy, either the Company
or the Insured may make a written demand for arbitration. In that case, the
Company and the Insured will each select an arbitrator. The two arbitrators
will select a third. if they cannot agree within 15 days, either the Company
or the Insured may request that the choice of arbitrator be submitted to the
American Arbitration Association. The arbitration will be held in the state
of the Insured's principal residence.
GLOBAL TRAVELER'S HOTLINE TERMS AND CONDITIONS
The Global Traveler's Hotline provides Cardmembers and their families a
wide range of free travel assistance benefits. It is operated by AXA
Assistance USA, Inc Visit Discovercard.com/travel to learn more.
Eligibility. You must be a Cardmember whose Account is in good standing,
the Cardmember's spouse or dependent child traveling with the
Cardmember or an Authorized User of an Account in good standing.
Thkd-Party Charges. Global Traveler's Hotline is not insurance, so you will
be responsible for all third-party fees and expenses for services requested,
such as professional or medical fees
AvaRabiity of Services. Certain services may not be available in all areas.
Call us at 1-800-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 by third parties. The services and these terms and
conditions are subject to change without notice.
-25-
I 27-28 12115/09 1:36:44 PM
CERTIFICATE OF SERVICE
A true and correct copy of the within Plaintiff's Amended Complaint has been served
^T .
by U.S. Mail, Postage Pre-Paid, or., `day of 2galtoDer , 2011 upon the following:
Joseph Murphy, Esquire
The J. Murphy Firm
210 Grant St., Suite 301
Pittsburgh, PA 15219
.
By.
Sarah E. Ehasz, Es it
tom-' N
Cr%
4j
CD
<
I I,
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK,
Plaintiff(s)
V.
FRED L. HARRISON,
Defendant(s)
Docket No.: 2011-4957
ANSWER TO AMENDED
COMPLAINT
Filed on Behalf of:
DEFENDANT
Counsel for this Party:
Joseph P. Murphy
83120
THE J. MURPHY FIRM
210 GRANT STREET, #301
PITTSBURGH, PA 15219
(412)521-2000
?
r.A? r N ?z t ?.y
J
?i
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK,
Plaintiff(s)
V.
FRED L. HARRISON
Defendant(s)
Docket No.: 2011-4957
Certificate-of Service
I do solemnly swear that a true and correct copy of the within
ANSWER TO AMENDED COMPLAINT was delivered to the below party or
counsel therefore as follows:
Sarah Ehasz, Esq
Weltman, Weinberg, Reis
436 Seventh Avenue, #1400
Pittsburgh, PA. 15219
[ x ] Via First Class U.S. Mail,
Postage Pre-Paid [ ] Via Facsimile:
[ ] Via Certified U.S. Mail, Postage [ ] Via Express Mail
Pre-Paid Carrier:
Article Number
[ ] Via Certified U.S. Mail, P age [ ] Other Method as follows:
Pre-Paid, Return Recei a uest d.
?. Joseph P./'Murphy
10/24/ lFi
i'
s
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK,
Plaintiff(s)
Docket No.: 2011-4957
V.
FRED L. HARRISON
Defendant(s)
ANSWER TO AMENDED COMPLAINT
AND NOW, come(s) DEFENDANT, by and through counsel, the J.
Murphy Firm, and Joseph P. Murphy, and bring(s) and files the within
ANSWER TO AMENDED COMPLAINT, averring in support thereof as follows:
1. Unable to admit or deny the business address or structure of the
Plaintiff.
2. Admitted.
3. Denied, §4122 doesn't work that way.
4. No reply required.
5. Admitted.
6. Denied, sending the card was acceptance of an offer that Plaintiff
itself submitted.
7. Admitted that the card was used. Otherwise denied as a legal
conclusion and for the reasons set forth above.
8. Admitted that the card was used.
9. Unable to admit or deny when Plaintiff might have sent statements.
Admitted that some statements were received. Unable to admit or
deny that these are true and correct copies.
10. The agreement speaks for itself.
11. Unable to admit or deny what Plaintiff sent or when. Admitted that
some terms updates were received.
12. Admitted that payment has not been made in some time. Unable
to remember when the last payment was or in what amount.
13. The agreement speaks for itself.
14. Unable to audit Plaintiff's calculations.
15. The agreement speaks for itself.
16. This is a legal conclusion to which no reply is required.
17. The agreement speaks for itself.
18. Unable to admit or deny whether this is reasonable.
19. No reply required.
20. Admitted that the card was used.
21. Denied, this is not the benefit conferred.
22. This is a legal conclusion, no reply required.
Respectfully SOri iitted,
Joseph P urphy
10/24,, 1
unsel for DEFENDANT)
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK,
Plaintiff(s)
Docket No.: 2011-4957
V.
FRED L. HARRISON
Defendant(s)
VERIFICATION
I do solemnly swear that the averments in the foregoing answer to
amended complaint are true and correct to the best of my knowledge,
information and belief. I make this verification subject to the penalties set
forth in 18 Pa. C.S. 4904, relating to unsworn falsification to authorities.
Fred Harrison Date
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA , p =
CIVIL DIVISION
DISCOVER BANK,}
Plaintiff(s)
Docket No.: 2011-4957
V.
FRED L. HARRISON,
Defendant(s)
ANSWER TO AMENDED
COMPLAINT
Filed on Behalf of:
DEFENDANT
Counsel for this Party:
Joseph P. Murphy
83120
THE J. MURPHY FIRM
210 GRANT STREET, #301
PITTSBURGH, PA 15219
(412)521-2000
RIGINA
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK,
Plaintiff(s)
V.
FRED L. HARRISON
Defendant(s)
Docket No.: 2011-4957
Certificate of Service
I do solemnly swear that a true and correct copy of the within
ANSWER TO AMENDED COMPLAINT was delivered to the below party or
counsel therefore as follows:
Sarah Ehasz, Esq
Weltman, Weinberg, Reis
436 Seventh Avenue, #1400
Pittsburgh, PA. 15219
[ x ] Via First Class U.S. Mail,
Postage Pre-Paid [ ] Via Facsimile:
[ ] Via Certified U.S. Mail, Postage [ ] Via Express Mail
Pre-Paid Carrier: _
Article Number
[ ] Via Certified U.S. Mail age [ ] Other Method as follows:
Pre-Paid, Return Rece' e u st d.
vii
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK,
Plaintiff(s)
Docket No.: 2011-4957
V.
FRED L. HARRISON
Defendant(s)
ANSWER TO AMENDED COMPLAINT
AND NOW, come(s) DEFENDANT, by and through counsel, the 1.
Murphy Firm, and Joseph P. Murphy, and bring(s) and files the within
ANSWER TO AMENDED COMPLAINT, averring in support thereof as follows:
1. Unable to admit or deny the business address or structure of the
Plaintiff.
2. Admitted.
3. Denied, §4122 doesn't work that way.
4. No reply required.
5. Admitted.
6. Denied, sending the card was acceptance of an offer that Plaintiff
itself submitted.
7. Admitted that the card was used. Otherwise denied as a legal
conclusion and for the reasons set forth above.
8. Admitted that the card was used.
9. Unable to admit or deny when Plaintiff might have sent statements.
Admitted that some statements were received. Unable to admit or
deny that these are true and correct copies.
10. The agreement speaks for itself.
11. Unable to admit or deny what Plaintiff sent or when. Admitted that
some terms updates were received.
12. Admitted that payment has not been made in some time. Unable
to remember when the last payment was or in what amount.
13. The agreement speaks for itself.
14. Unable to audit Plaintiff's calculations.
15. The agreement speaks for itself.
16. This is a legal conclusion to which no reply is required.
17. The agreement speaks for itself.
18. Unable to admit or deny whether this is reasonable.
19. No reply required.
20. Admitted that the card was used.
21. Denied, this is not the benefit conferred.
22. This is a legal conclusion, no reply required.
Respectfully Sp-bfriittpA;
Jos PAurphy
unsel for DEFENDANT)
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY,
PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK,
Plaintiff(s)
V.
FRED L. HARRISON
Defendant(s)
Docket No.: 2011-4957
VERIFICATION
I do solemnly swear that the averments in the foregoing answer to
amended complaint are true and correct to the best of my knowledge,
information and belief. I make this verification subject to the penalties set
forth in 18 Pa. C.S. 4904, relating to unsworn falsification to authorities.
red Harri on Date
DISCOVER BANK, IN THE COURT OF COMMON PLEAS OF
Plaintiff CUMBERLAND COUNTY, PENNSYLVANIA
VS. CIVIL ACTION - LAW
NO. 11-4957 CIVIL
FRED L. HARRISON,
Defendant
ORDER
AND NOW, this 36' day of March, 2012, the appointment of Tiffany Cartwright,
Esquire, as a member of the Board of Arbitrators in the above-captioned case is VACATED.
Jason Kelso, Esquire, is appointed in her place.
BY THE COURT,
Kevin Ness, P. J.
Charles Shields, Esquire
Chairman
J??" r
Jason Kelso, Esquire o
? Court Administrator
:rlm ?q`r(S W1 ,'IeC{/3t?//?2 c..?
-VrScover M4"
1?arn sen
Plaintiff
Defendant
In the Court of Common Pleas of Cumberland
County, Pennsylvania No. / / - Y ?S 7
Civil Action - Law.
Oath
We do solemnly swear (or affirm) that we will support, obey and defend onstitution of the United States
and the Constitution f this Commonwe and rte w' ischarge e ti s of our face with fidelity.
YA.?A tA',?AUAVI--
Signature Si re S qp4t&
04r& A, 154IW4,4 Mso n 1F Kelso
Name (Chairman) Name ame
41/# 176Ae-;' Pc A" ?IAOLS
Law Firm Law Firm Law Fi
? %0. All
Address
//,eC 4A 6 Mr7 AX l!495Y
City,
Zip
SY 141 exon JP? ?S 5- fI
a? ?C'w 'r-
Address Address
Col-l,'j le , Pig / -7'?'//S l9als
city, Zip City, Zip
Award
We, the undersigned arbitrators, having been duly appointed and sworn (or affirmed), make the following
award: (Note: If damages for delay are awarded, they shall be separately stated.)
47 t-11 Q o-P.Qa?
.Arbitrator, dissents. (Insert name if applicable.)
Date of Hearing: l1t/L
Date of Award: V'2,-- f/y
V
Notice of Entry of Award
Now, the -2? day of , 20 / 2- , at 3 P M., the above
award was entered upon the docket and notice thereof given by mail to the parties or their attorneys.
By:
Deputy
2 PR
r
1,37osep A P fil urik, L-5S.
f op; es ma- le-re
44?16
61
e?
r r-
N)
IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVAW+iA --
CIVIL DIVISION
DISCOVER BANK
Plaintiff
vs.
FRED L HARRISON
Defendant
No. 2011-4957
PRAECIPE FOR JUDGMENT ON AWARD
OF ARBITRATORS
FILED ON BEHALF OF
Plaintiff
COUNSEL OF RECORD OF
THIS PARTY:
William T Molczan, Esquire
PA I.D.#47437
Weltman, Weinberg & Reis Co., L.P.A.
1400 Koppers Bldg.
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#09133174
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK
Plaintiff
vs. Civil Action No. 2011-4957
FRED L HARRISON
Defendant
PRAECIPE FOR JUDGMENT ON AWARD OF ARBITRATORS
TO THE PROTHONOTARY:
Enter Judgment against Defendant, FRED L HARRISON, on the Award of Arbitrators in the amount of
$10047.67.
I hereby certify that appropriate Notices of Default, as attached have been mailed in accordance with PA
R.C.P. 237.1 on the dates indicated on the Notices.
WELTMAN, WEINBERG & REIS CO., L.P.A.
By:
William T Molczan, Espre
PA I.D.#47437
Weltman, Weinberg & Reis Co., L.P.A.
1400 Koppers Bldg.
436 Seventh Avenue
Pittsburgh, PA 15219
(412) 434-7955
WWR#09133174
Plaintiff's address is: c/o Weltman, Weinberg & Reis Co., L.P.A., 1400 Koppers Building, 436 7th Avenue, Pittsburgh,
PA 15219 And that the last known address of the Defendantl is: 237 SOUTHSIDE DRIVE, NEWVILLE, PA 17241
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In the Court of Common Pleas of Cumberland
Plaintiff
County, Pennsylvania No. - 9 7
Defendant
Civil Action - Law.
Oath
We do solemnly swear (or affirm) that we will support, obey and defend
and the Constitution f this Commonwe -and t e w' ischarge
-44 4 & f - ? e
Signature Si re
Cl?nles ?: ?ti?elo?s?
Name (Chairman)
X14
Law Firm
70. S o n t. I<e S J
Name
f4
Law Firm
;titution of the United States
of our4fice with fidelity.
5
ivame
Law Fi
IC ?!O(?/' l?fd . ? .?/ ?I?XCi, ??r ?'1':?S• t`G f? .5?., i?i lt/ s ?.?/ '` ? ?`
A??ddress Address Address
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City, G Zip City, Zip City, Zip
Award
We, the undersigned arbitrators, having been duly appointed and sworn (or affirmed), make the following
award: (Note: If damages for delay are awarded, they shall be separately stated.)
-SlyL a'"W6?eo /0? 0 417 G??? Q
.Arbitrator, dissents. (Insert name if applicable.)
Date of Hearing: !? 2 /L
Date of Award:
Notice of Entry of Award
Now, the _ Ae day of lf? 20 /,Z- , at M., the above
award was entered upon the docket and notice thereof given by mail to the parties or their attorneys.
$ W6..s7?
By:
Deputy
TRUE COPY FROM RECORD
In Testimony whereof, I here unto set my hand
and the seal of said Court at arlisle, Pa.
This ca? day of ' 20/..?
GI_P'rothonot???_q J
/ -
04 r 3 J?/ 7q
IN THE COURT OF COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA
CIVIL DIVISION
DISCOVER BANK
Plaintiff
vs. Civil Action No. 2011-4957
FRED L HARRISON
Defendant
NOTICE OF JUDGMENT OR ORDER
TO: ( ) Plaintiff
(xx) Defendant
( ) Garnishee
You are hereby notified that the
following Order or Judgment
entered against you on _ 5hiL
(xx) Assumpsit Judgment in the amount
of $10047.67 plus costs.
( ) Trespass Judgment in the amount
of $ plus costs.
( ) If not satisfied within sixty (60)
days, your motor vehicle operator's license and/or registration will be
suspended by the Department of Transportation, Bureau of Traffic Safety,
Harrisburg, PA.
(xx) Entry of Judgment of
( ) Court Order
( ) Non-Pros
( ) Confession
( ) Default
( ) Verdict
(xx) Arbitration
Award
Prothonotary
FRED L HARRISON t4AO
237 SOUTHSIDE DRIVE By:
NEWVILLE, PA 17241 PROTHO RY (OR DEP )