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HomeMy WebLinkAbout11-6058Our File No.: 320105 APOTHAKER & ASSOCIATES, P.C. BY: David J. Apothaker, Esquire Attorney I.D. #38423 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Attorneys for Plaintiff DISCOVER BANK c/o DB SERVICING CORPORATION 6500 NEW ALBANY RD NEW ALBANY OHIO 43054 Plaintiff, vs. ERNEST J SOUDER 2607 WALNUT BOTTOM RD CARLISLE, PA 17015-9329 Defendant. ED-JE=Fiui. HE PROTHONOTARY 2111 JUL 2O P4 2: ?7 CUMBERLSAYNDANIA COUNTY COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.: tJ- hp 5? No I NOTICE 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 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. CUMBERLAND COUNTY BAR ASSOCIATION 34 S. BEDFORD ST. CARLISLE PA 17013 717-249-3166 6 OLMJ-'T co. tDr4 `#I w 3?2 $° 3 "? a(oasso i Our File No.: 320105 APOTHAKER & ASSOCIATES, P.C. BY: David J. Apothaker, Esquire Attorney I.D. #38423 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Attorneys for Plaintiff DISCOVER BANK c/o DB SERVICING CORPORATION 6500 NEW ALBANY RD NEW ALBANY OHIO 43054 Plaintiff, vs. ERNEST J SOUDER 2607 WALNUT BOTTOM RD CARLISLE, PA 17015-9329 Defendant. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.. CIVIL ACTION COMPLAINT FIRST COUNT 1. Plaintiff is Discover Bank ("Plaintiff'), a Delaware State Bank and issuer of the Discover Card. 2. Defendant(s) is/are ERNEST J SOLIDER, an adult individual residing at 2607 WALNUT BOTTOM RD CARLISLE, PA 17015-9329. 3. At the special instance and request of Defendant, Plaintiff, DISCOVER BANK, issued to Defendant(s), Account # ending in 7733. 4. Defendant received, accepted and used the account to its benefit. 5. This account is in default and Defendant(s) has an unpaid balance of $10,083.51. A true and correct copy of the total due and owing is attached hereto, made a part hereof and marked as Exhibit "A". 6. All credits, if any, to which Defendant(s) is entitled, have been applied to the account: and are included in Exhibit "A". 7. Although demand has been made, Defendant(s) has failed to make payment of the amount due as above. WHEREFORE, Plaintiff demands judgment in favor of Plaintiff and against Defendant(s) for the sum of $10,083.51 and requests this Court award costs to the extent permitted by applicable law. APOTHAKER & ASSOCIATES, P.C. Attornaag r Plaintiff A Law Firm En in Debt Collection BY: David J. "othj&er, Esquire Dated: 7/19/2011 Our File No.: 320105 VERIFICATION David J. Apothaker, Esquire, hereby states that I am counsel for plaintiff in this action, and that I am authorized to take this Verification, and that the statements made in the foregoing Civil Action Complaint are true and correct to the best of my knowledge, information, and belief The undersigned understands that the statements therein are made subject to the penalties of 18 Pa.C.S.A. 4904,delati4g to unworn falsification to authorities. David J?othaker, Esquire Attorn for Plaintiff DATE: 7/19/2011 DISCOVER New Balance Minimum Payment Due Account Number ending in 7733 10,083.51 $603.00 Enter Amount Enclosed Below $,0,0,3.,,c Payment Due Date ? December 5, 2010 10 SDSN6A01 0001237 ERNEST SOUDER 2607 WALNUT BOTTOM RD CARLISLE PA 17015-9329 Go paperiess and make your account information more secure with password- protected statements only you can access. Learn more at discover.com/paperless. PO BOX 71084 Illurlluunll?lurlrlrrl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? luiillulnr?rilrulnli?nill?lurlnlnlr,I(u?r?lnlrlnll Go to www.Discovercom or print change in space above. amber 10, 2010 page 1 of 2 upening um: vctooer i i, cv tv - a.tosmg uare: rvov Discover More Card Account Summary Account number ending in 7733 Previous Balance $10,083.51 Payments And Credits 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged + 0.00 Fees Charged + 0.00 New Balance 10,083.51 See Interest Charge Calculation section following transactions for detailed APR information Credit Line $10,000.00 Credit tine-Avoilabie ----------------- --- ----$000- Cash Advance Credit Line $5,100.00 Cash Advance Credit Line Available $0.00 Cashback Bonuse Anniversary Month January Opening Cashbock Bonus Balance $ 78.88 New Cashback Bonus This Period + 0.00 Cashbadt: Bonus balance $ 78.88 To barn more, bg in m www.Discover.com 3 Easy Ways to Contact Us • Manage Your Account Online at www.Discover.com 1. Access your account securely at www.D6c*ver.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 Discovor® card available bills online and easily track all transactions 3. Write to us at Discover, PO Box 30943, Make your money worth moresM-find easy to earn Salt Lake City, UT 84130 and redeem cash rewards y For TDO (relecommunicotions Device for the Deal) - NEW!-Access your account securely-through your ass! stance, please call 1-800347.7449. mobile phone Transactions Trans. Post Date Date Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 0.00 2010 Totals Year-to-Date TOTAL FEES CHARGED IN 2010 $ 2:5.00 TOTAL INTEREST CHARGED IN 2010 1,539.01 Payment Information New Balance $10,083.51 Minimum Payment Due* $603.00 Payment Due Date December 5, 2010 *Includes past due amount of $401.00 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 22.24% 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: .Stf... ?ll .:.v;M};i.,`?., :;s:>}Y-? '?{• :+ ;r SSS., .,?tk^p+.h, •41,0',:lrt, jllzigc!:ly; .? :;'i,„r 't s. £;,?;{;. Only the minimum 11 years $10,084 payment If you would like information about credit counseling services, call 1-800-347.1121. Continued on reverse side. DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadoble, password protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. • Sign up today at Discovercom/papedess 02010 Discover Sunk, Mambo FDIC PAPER.0310 N Q z Z rn D o_ 0 0 0 N W V X W Questions? Visit www.Discover.cotn or call 1-800-DISCOVER (1-800-347-2683). DISCOVER 320105 Request for Service R. Thomas Kline Sheriff Cumberland County Office of the Sheriff One Courthouse Square Carlisle, PA 17013 Ph: 717.240.6390 Fx: 717-240-6397 Plaintiff/s: Court Number: DISCOVER BANK Expiration Date: Type of Action: Civil Action _ Defendant/s: ERNEST J SOUDER Serve Upon: ERNEST J SOUDER Address for Service: 2607 WALNUT BOTTOM RD CARLISLE, PA 17015-9329 Alternate Address for Service: Type of Service: ( ) Personal (X) Adult in Charge O Deputize O Certified Mail O Posting Special Service Instructions: * * If service is to be made by deputized service to another county please specify which county Filing Attorney Information: Name: Apothaker & Associates, P.C. Address: 520 Fellowship Road C306 Mount Laurel, NJ 08054 Telephone: 215-634-8920 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor c?a?1 r of cumb"11414 F 71G I) AU 17 Pil 3: '' (JMBERLAND cu" UN °EMSYLVANIA? Discover Bank vs. Case Number Ernest J. Souder 2011-6058 SHERIFF'S RETURN OF SERVICE 08/09/2011 05:54 PM - Amanda Cobaugh, Deputy Sheriff, who being duly sworn according to law, states that on August 9, 2011 at 1754 hours, she served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Ernest J. Souder, by making known unto himself personally, at 2607 Walnut Bottom Road, Carlisle, Cumberland County, Pennsylvania 17015 its contents and at the same time handing to him personally the said true and correct copy of the same. SHERIFF COST: $34.00 August 11, 2011 man PA"'Ij IAN; DA COBAUGH, DEPU SO ANSWERS, RON R ANDERSON, SHERIFF [C; Coun<,yyuite Sheriff Teleosoff. In_ r FILED- COURT OF COMMON PLEAS OF CUMBERLAND COUNTY WFAO OFFICE OMOTARY CIVIL DIVISION 2011 AUG 26 PM 1: 19 DISCOVER BANK CUMBERLAND COUNTY PENNSYLVANIA Plaintiff, VS. Case No. ERNEST J. SOUDER Defendant. PRELIMINARY OBJECTIONS Defendant, ERNEST J. SOLIDER, hereby preliminarily objects to the Summons and Complaint on the following grounds: L FIRST PRELIMINARY OBJECTION: FAILURE TO CONFORM TO A LAW OR RULE BY FAILING TO SET FORTH THE MATERIAL FACTS UPON WHICH A CAUSE OF ACTION IS BASED AS REQUIRED BY PA. R.C.P.1019(a). Plaintiff has attached only a closing statement to their Complaint, which shows no purchases, balance transfers, or cash advances to the Defendant. Pa. R.C.P 1019 requires that a plaintiff shall set forth the material facts upon which a cause of action is based. Pennsylvania Courts have held that material facts in consumer credit transactions include "a listing of the cash advances, purchases, and charges that form the basis of the amount for which a judgment is sought." Target Nat'l Bank v. Samanez, 2007 Pa. Dist. & Cnty. Dec. LEXIS 433, 3-4 (Pa. County Ct. 2007) see Footnote 2. The court in Samanez stated further, "a complaint must contain sufficient documentation and allegations to permit a defendant to calculate the total amount of damages that are allegedly due by reading the documents attached to the complaint and the allegations in the complaint." Id. In the instant case, Plaintiff has failed to present sufficient material facts allowing Defendant to calculate the total amount of damages allegedly due. Plaintiff merely makes a conclusory claim that anything is due. WHEREFORE, Defendant requests this Court dismiss the case for failure to conform to a law or rule. H. SECOND PRELIMINARY OBJECTION: FAILURE TO CONFORM TO A LAW OR RULE BY FAILING TO ATTACH WRITTINGS AS REQUIRED BY PA. R.C.P. 1019(1). Plaintiff attached no terms and conditions of the alleged agreement between the parties. Plaintiff's only attachment to the Complaint does not show use or acquiescence to the agreement claimed to exist between the parties. Pa. R.C.P 1019 requires that a plaintiff attach writings when the claim is based on a writing or must plead as to why they are not attached. Further, it has been held in Pennsylvania that if terms of an agreement differ throughout the agreement, the plaintiff must: attach to the complaint both the original and amended terms and conditions. Target Nat'l Bank v. Samanez, 2007 Pa. Dist. & Cnty. Dec. LEXIS 433 (Pa. County Ct. 2007) (discussing the necessity to understand the terms and conditions of credit card agreements at all applicable periods of the agreement to calculate the precise damages claimed). If the Plaintiff cannot attach these terms and conditions or further statements they have not sufficiently plead their cause of action against the Defendant, whether such cause of action is account state, open book account, or even for breach of contract. WHEREFORE, Defendant requests this Court dismiss the case for failure to conform to a law or rule. III. THIRD PRELIMINARY OBJECTION: INSUFFICIENT SPECIFICITY IN A PLEADING. Plaintiff may further contend this action is one for Account Stated and some form of silence is an agreement to the terms and amount claimed. However, in Samanez the Court further articulated that silence or failure to object to statements without some further facts from the Plaintiff showing an express or implied agreement between the parties cannot be construed as assent to pay the amount claimed in the statements. Samanez, at 8-9. "Something more than mere acquiescence by failure to take exception to a series of statements of accounts received in the mail is required" to form an account stated cause of action. C-E Glass v. Ryan, 70 Pa. D.&C.2d 251, 253 (C.P. Beaver 1975). Additionally, allegations that a defendant refuses or neglected to pay an account are not sufficient to establish an account stated, "[m]utual assent to the correctness of the computation is essential to an account stated. Here, there is no allegation that defendant assented to the correctness of the account submitted to him." Ryon v. Andershonis, 42 Pa. D.&C.2d 86, 88 (C.P. Schuylkill 1967). Pennsylvania Courts have further recognized that the Account Stated theory is inappropriate as applies to credit card transactions. Capital One Bank (USA) NA v. Clevenstine, 7 Pa. D.&C.5th 153, 157-58 (Ct. Com. Pl. Centre Cty. 2009). The Clevenstine Court articulated that with the fluctuating interest rates and increased number and severity of fees, it is unreasonable to believe the average debtor can understand the changing terms to object in a timely manner. Id. "If cardholders cannot be expected to know whether the information in the monthly statement accurately states what they owe, there cannot be an express or implied agreement that their silence means that they have agreed that the amount claimed is correct." Samanez, at 22-3. The Samanez Court stated further that the Account Stated theory is based on the principles of contract law, which requires an express or implied contract between the parties. Id. at 22. Either the complaint must describe the agreement or the agreement must be attached, if not the complaint must make sufficient "allegations which would support a finding that the cardholder has agreed that he or she owes the amount set forth in the writing." Id. WHEREFORE, Defendant requests this Court to dismiss the action due to the Plaintiff's insufficient pleading. WHEREFORE, defendant respectfully requests that this Court sustain the Preliminary Objections and dismiss the Complaint with prejudice. Dated this _ day of t , 2011 DEFENDANT Ernest J. S der PRO SE 2607 Walnut Bottom Road Carlisle, PA 17015-9329 CERTIFICATE OF SERVICE I hereby c rtify that a copy of the foregoing has been sent by fax or first class U.S. Mail this 96 day of , 2011 to the following: David J. Apothaker Apothaker & Associates, P.C. 520 Fellowship Road C306 Mount Laurel, NJ 08054 Respectfully submitted, v Ernest J. S er PRO SE 2607 Walnut Bottom Road Carlisle, PA 17015-9329 Our File No.: 320105 APOTHAKER & ASSOCIATES, P.C. By: Benjamin J. Cavallaro, Esquire Attorney I.D. #307949 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Attorneys for Plaintiff DISCOVER BANK c/o DB SERVICING CORPORATION 6500 NEW ALBANY RD NEW ALBANY OHIO 43054 Plaintiff, vs. ERNEST J SOUDER 2607 WALNUT BOTTOM RD CARLISLE, PA 17015-9329 Defendant. r,4 1 CST - Ali 11 14 COU3?t T"" ??"??T?SYLVR?tA COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.: 11-6058-CIVIL NOTICE Civil Action 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 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. CUMBERLAND COUNTY BAR ASSOCIATION 34 S. BEDFORD ST. CARLISLE PA 17013 717-249-3166 Our File No.: 320105 APOTHAKER & ASSOCIATES, P.C. By: Benjamin J. Cavallaro, Esquire Attorney I.D. #307949 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Attorneys for Plaintiff DISCOVER BANK c/o DB SERVICING CORPORATION 6500 NEW ALBANY RD NEW ALBANY OHIO 43054 COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.: 11-6058-CIVIL Plaintiff, vs. ERNEST J SOUDER 2607 WALNUT BOTTOM RD CARLISLE, PA 17015-9329 Defendant. Civil Action AMENDED COMPLAINT FIRST COUNT 1. Plaintiff is Discover Bank ("Plaintiff'), a Delaware State Bank and issuer of the Discover Card. 2. Defendant is ERNEST J SOUDER ("Defendant"), an adult individual residing at 2607 WALNUT BOTTOM RD CARLISLE, PA 17015-9329. 3. Defendant applied for, received and used a credit account issued by DISCOVER BANK, account number ending in 7733 ("Account"), pursuant to a written agreement ("Agreement") 4. Copies of and credit card statements for the Account are attached hereto and incorporated by reference herein. 5. Under the terms of the Agreement, Defendant was given the right to use the Account to make purchases, cash advances, and/or balance transfers. 6. Defendant, in return, promised to timely pay the principal balance accumulated plus interest, fees and penalties where applicable. 7. Defendant's use of the Account in the manner described above constituted acceptance of the terms of the Agreement. 8. Defendant defaulted under the terms of the Agreement by failing and refusing to make timely payments on the Account, although demand was made for same. 9. The Account was opened on or about January 23, 1987. 10. The last payment on the Account was recorded on or about September 02, 2010. 11. The attached credit card statements include a statement evidencing the last payment on the Account. 12. The Account was charged off on or about April 30, 2011 with an outstanding balance of $10,083.51. 13. The attached credit card statements include a statement evidencing the charge-off balance for the Account. 14. Plaintiff has suffered monetary damages in the amount of $10,083.51. WHEREFORE, Plaintiff demands judgment in favor of Plaintiff and against Defendant(s) for the sum of $10,083.51 and requests this Court award costs to the extent permitted by applicable law. SECOND COUNT - QUANTUM MERUIT The averments contained in the First Count of Plaintiff's Amended Complaint are incorporated as though fully set forth herein: 15. Defendant opened an account with DISCOVER BANK, account number ending in 7733. 16. Defendant used, accepted and benefitted from the Account to Plaintiff's detriment. 17. Defendant was aware that Plaintiff provided these benefits and expected to be paid in return. 18. Under the circumstances, it is inequitable for defendant to retain the benefits of use of the Account without payment of value. 19. Plaintiff has suffered monetary damages in the amount of $10,083.51. WHEREFORE, Plaintiff demands judgment in favor of Plaintiff and against Defendant(s) for the sum of $10,083.51 and requests this Court award costs to the extent permitted by applicable law. APOTHAKER & ASSOCIATES, P.C. Attorney for Plaintiff A Law Fi En ged in Debt Collection BY: /_'?A Be tin J. avallaro, Esquire Dated: September 30, 2011 VERIFICATION I, Benjamin J. Cavallaro, Esquire, hereby verify subject to the penalties of 18 Pa.C.S. §4904 relating to unswom falsification to authorities that I am counsel for Plaintiff in this action, that I make this Verification based upon the facts as supplied to me by the Plaintiff and/or its agents and because the Plaintiff is outside the jurisdiction of the court, and that the facts set forth in the foregoing Civil Action Complaint are true and correct to the best of my knowledge, information, and belief. APOTHAKER & ASSOCIATES, P.C. Attorney for Plaintiff A Law Firm Enaaaed in Debt Collection BY: Esquire Date: September 30, 2011 Defendant's Name: ERNEST J SOUDER Account Number: ending in 7733 New Balance Minimum Payment Due DISCOVER $144.61 $10.00 Payment Due Date February 9, 2006 1D SDSN6A01 0006117 ERNEST SOLIDER 2607 WALNUT BOTTOM RD CARLISLE PA 17015-9329 Account Number ending in 7733 Enter Amount Enclosed Below ' $1 7 1 Please make check payable to Discover Platinum Card or pay online Q Discovercard.com, Tired of buying stamps? Go mobdel Make and schedule payments from your phone with the Discover app. Its fast and Its free. Download now at discoveccom/apps PO BOX 71084 111nr?lsansl??lnsls?ul CHARLOTTE NC 28272-1084 Address, e•mailortelephone change$Print change inspace ?rr?r?)rr)rrr(r)?rrr?rr?i?rri????rrr(rr?rr?rrl?rr?rr?rr?r?ri?) above, or go to Discover.com. Print your email address to receive important Account information and special offers. 00000198645889214510900144b114043130001000 Discover Platinum Card Account Summary Closing Date: January 10, 2006 page 1 of 2 Account number ending in 7733 Previous Balance $14,043.13 Payment Due Date february 9, 2006 Payments And Credits 14,043.13 ,Minimum Payment Due $10.00 Purchases + 40.46 !Credit Limit $14,300.00 Cash Advances + 0.00 'Credit Available $14,155.00 Balance Transfers + 0.00 'Cash Credit Limit $7,300.00 Finance Charges + 104.15 Cash Credit Available $7,300.00 New Balance a 144.61 You may be able to avoid Periodic Finance Charges, we the reverse side for details. Cashback Bann a Opening Cashback Bonus Balance $ 11.25 New Cashback Bonus This Period + 0.10 Cashback Bonus Balance $ 11,35 Cashback BonusS Anniversary 'Month: January Cashbock Bonus(R) is America's #1 Cash ,Rewards Prognaml Full 5%Ca3hback Bonus ion Get More purchases in popular categories throughout IM year and up to 1 % Cashback ;Bonus on all your other purchases. HOW Can We Help You? p 1 • visit Discover com to pay year ball 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 WF-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, iFor 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 Dale Payments and Credits Dec 28 Dec 28 PAYMENT - THANK YOU $ •14,043.13 Merchandise/Retail Jon 8 Jan 8 OWES BARGAIN OUTLET CHAMBERSBURG PA 40.46 Information For You ,Balance Transfer offer for current billing period: Daily Periodic Rate: 0.02712%; corresponding ANNUAL PERCENTAGE 'RATE: 9.90%. Rate is subject to the terms of the offer including expiration. Pay your household bills with your Discover(R) Card. Phone. Cable. Subscription services. And more. It's a great way to 'save time while building your Cashback Bonus(R). Through the generosity of our Cardmembers, Discover(R) Card has donated more than $14 million to the MakeA-Wish Foundation. You can make a child's dream come true by electing to donate your Cashback Bonus(R) to the Make-A Wish Foundation. To learn how, please visit Discovercord.com or visit www.wish.org. Important hhbrmallion If fame is more fan one page to ties billing statement, see the back ofesch page foraddil}araf important nformaion. co See your Cardmember Agreement. Your Cardmember Agreement contains ag the temis of your Account. w 2 Lost or doter cards. Report im adlablyl Call 1400.347.2681 D o Billing Rights Shmm ry. In Case of Errors or QuestonsAbout Your Bill: If you fdnk your bill is wrong, or if you need more information about a transaction on your bill, write us on a _ o separate sheet of paper at Dscow, PO Bork 30421. Salt Lake City. UT 841340421, as soon as possible. yva meat hear from you no later can 60 days after we sent you the rant nil on, °o which the emororpabtem appeared. You can telephone us, but doing so will not preserve your rights, In your letter, gyve us the bliuMitg bttomafon: m Your name and Account number. The dollar amount of to suspected error. V Describe the error and evialrLif you can, why you believe fare is an era. If you need more Wonreion, describe On keno you are umin about. You do not ton to pay arty mom In quesfat while we are mvesUgaing, but you are still d% M b pay the pads of your bill that are not In question While we Investigate your question, we snot report you as delinquent or take arry action to collect the amount you question. Special his for Credit Cad Padtaaa: O you have a problem with the quality of goods or sanfces fat you pure ases with a credit cord, and you have tried In good With to correct the problem with the mordant, you may not have to pay de remaining amount due on the good or services. You have the protection only when the purchase price was more than $50 and the puxdrse was made In your home state orwitltkr 100 mites of your mailing address. (f we own oroperate to merchant, or f we patted you the amt for" goods or savbes, all purchases are covered regardless of the amount or location of purchase.) Payments. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending yourdark as described above, you a dhonze us to use Mil n>afon on yam check to make an 4actrtrkiiind inasfer lim your awourt d tie fuancW fns&utim irhdcoted oa your dads a b prooess fe payment as a dteck transaction: NpWment is poeeaeed as an atedrome lend transim, the baesierwil be ter l a amount d the dnede Mien we use i lonoaion from your c edt to crake an ebdraw fund tranafw, finds Tray be wthdfanm into you account as soon as fib same daywe receive your papami, and you v* not retewayoa Meet backfiomyma tkiancRl w afkibn. The pommi g of yea payment may be deteyad f you sand casts, correspakdaroe orot er Rams with your payrnent, if you send the payment to arty ofhaaddrass or O you use an em elope utlher gran the oneprovided. Paymute received in proper ham st err proonsing taciyby 5PM local lime on my day will be crediad b yourAcoma t>a dVw day Payments rea+lred at err prooeeanp facily dler SPltlocad time will be credked b yo rAcaasd es ere cheat days N you have ImlOwW yow envolDm send your pgvW b Moova, PO Box 6103, Cool Stream, IL 60197-6103. Please allow 7-10 days for delivery. If your paymat is returned unpaid, we ram" this right In resul a id Ras an *Mo* debit You can pay your mi toxm payments a greater amo ntaf the telephone, and you can set up aula afo payments. Cal us at 1000 347.2883. You will need this alderrhentand your banksocourt Wonnalim. You must somas that of ant lends are walable in you bank awmK and all trethserbens rru9tcarply with US.law. You 1w11 be asked b provide f he llrst . 5dWsdyour acctaffit oamairtZIP code. Byentetirtg!lasenumbers asyour etedrodcsignalimyouwill beagreeing toffsanfhordzambBlowusaidyourbanktodeduct each payment you authorize ion you bank amount, and to mibale debit. orcredit enfrfes to your bank account as applicable bcorrect an am In the proce1rg of such payment. You mot , tell us the amount deadh payment, a you can select an amount such as tie Minimum Payment Due or the New Marmon each statement. You can canal a payment, however we mutt receive notice d teastlthree ttrsinese days n advarroe of the seiheckfed psymerut You may riokTy us by phoned 1410.347.2ftl rr by mailatte address listed n the pe*w paragraph. tryout payments may vary In amount, we 0 tel you on each monthly statement when your paymatwll be made and how much kwf be. YourAukmakpaymert mount may be Jess Oar indicated on tie monthly statement based on credits or payments applied during tie bung cycle. Credt Reporting. We may report information about your account to ore& bureaus. Late payments, missed payments, or other ddalLs on you amount may be reflected in your credit repot. We normally report fie slake and paymentNdDiy of your Account to aedd reporting agemdea each MOM. ryou bekae that our repot s inaccurate or Incomplete, please write, us at the Wbwl g addraea: Discover, PO Box 15316, Wlmngk n, DE 19B Will. Please include you rem, address, home telephone number and Account nornher. Pehlke Franco Chagos. Except as provided below, we will Wpm Periodic France Chagas on Wthm, cash a hvices, ad balance transfers beginning with the date the transaction occurs aril to dale of repayment and on Old Balances until the date of repayment. Old Balances sire comprised of either purdisses and cash advances made on or prior to the last day of you big period ending during February 1903 or Reserve late balances. You can avoid payment of Periodic France Charges on new putt ases f you pay the New Balance sham on the brig statement onwhich gar purchase fist appears by the Payment Due Dom, and the Payments and Credits on the saarrent equal or exceed your Previous Nance. We call this the "grace p>erbd. You do not haw a grace period on balance transfers or cash advanom Periodic Finance Charges are imposed on new balance transfers and cash advances beginning with lie date tie transaction oaks. Periodic Finance Owgee are Imposed an all transactions and Old Balances until fie date d mpaynert. Repayment mans payment of your entire Mw Balance. However, f you pay ft New Marm shown on fhls biting stamen by the Payment Due Dale, and lie Payments and Creft shown on this sgtemat equal or erred the Previous Baance, we YA not impose Periodic Finance Charges on new prdases, that is, purcases fist appearing on the statmnarut. Oyo rAccountwas dosed as of September 27,19%, you can avoid payment of Periodic Fna ce Oterges f you pay the New Nance shown on firs Saleme tby the Payment Die Date and the Pay arils and Credits on thto state neat equal or exceed your Previous Balance. Otherwise, you wk receive a bkkg statement next month tha9 includes Periodc France Charges Imposed will the date of repayment. We compeer Periodic Fktaue Cherges each ray for purchases. cash advances, batauhce transfers and Ole! Balances (which we refer to as transecbm categories) by using the following e Qwficr• Average Daly Balance x rnrriberd days in the grog period x Daly Periodic Rate. (Reler to the fiance charge summary on the front d your statement for these amounts) Theft we add all the Periodic France Charges for each transaction male or to et the total Periods Finance Char Av es tor ou A t Th D il B i l h ff g g g y aage y r cmn e a y ance no a s s own as o Penfodic France Charges apply to the balance in a transaction category. We use 0* Average Daily Balance f icludirng now Irarmllo s) meted of calculating the balance upon which we impose Periodic Fnance Charges ft co" ft average dally balance breach bmadlon calegory by adding up all the daily balances in a billing period for a tra samtlm category and & Aft fie total by tie number of days in the brig cycle. We compte In daily balance for each transaction category an each day by fist adding the toliming to the previous day's dally balance: transactions made that dry, fees charged that day.' and periodic From Barges awned on the previous day's dary balance; and by then subs achg any credits and payments fat are applied against the balance tithe karsantiom category on tat day. Old Balances are excluded from the baance of the purchase ant dash adhanoa transaction alegorlm SpftW rate balance transient and Balance Transfer Traroaction Fee Finance Changes am Included in to d* balance transfer transaction category. Baterae handers thatwere su*db an Initial aphedal rate W ttu been temioalad due to aab payment are also krkudW I to category unit the initial special rale otltawrire would have expired. In calculating the logy balance d Be hbalance transfer transaction category on the 69 day of the ? period, we aftad the unpafd balance of those Nance TransferTramsecion Fee Finance Charges and balance transfers But became ptrcaee rate balance transfers on that unpaid balance to the balance of the purchase transaction category. AN lees charged to yourAOOam are added to the padass Irazsactlm category with the exception of Cash Advance Transaction fee finance Charges whits are added b the cash advance I ansacbm category, and Balance Transfer Transaction Fee France Charges which are added to he balance tarsier transadim category. f a transaction made in a previous biting period is Itemized on this statement, we consider the Imasacion date to be the find day of the current bft parted when we atd:Jate your Periodic France Charges, For TOO (Teleeornnuniallora Device for tho Oaf) aadsti nce, call 1400.347.7469. Discover may matformdkr record telephone calls between you and Dswver representatives for quality assurance purposes. The Dsw cad is issued by Diswver Bank, Minter FDIC. O1TBKO64 DISCOVER' Go green. Go paperless. It pays to ERNEST SOUDER DISCOVEK Account number ending in 7733 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 Mcwer Bank, Membw FDIC oX a PPRGRN.0810 Closing Date: January 10, 2006 page 2 of 2 Finance Charge Summary Nominof Transaction Average Daily ANNUAL ANNUAL Periodic Fee ily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Baldrice Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $5369.92 0.06025% 21.99% V 21.99% $100.30 $0 Cash Advances $0 0.05751% 20.99% F 20.99% $0 $0 Balance Transfers $770.14 0.01616% 5.90% F 5.90% $3.85 $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 DISCOVER' $1 Minimum Payment Due Account Number ending in 7733 ,172.84 $24.00 Enter Amount Enclosed Below Payment Due Date March 9, 2006 please make check payable to Discover Platinum C d li @ i ar or pay on ne U scovercard.com. 10 SDSN6A01 0008118 ERNEST SOUDER Tired of buying stamps? Go mobile) Make and sch d l t f h 2607 WALNUT BOTTOM RD e u e paymen s rom your p one with the Discover app. It's fast and its free. CARLISLE PA 17015-9329 Download now at discovercomlapps PO BOX 71084 11111111111111111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone ehanga Print change in space above, or go to Discover.com. Print your e-mail address to Iulr1IulnrIli) nr)u1rlurl1I)rfill lulnlllnlu1erlr1u1) receive important Account information and special offers. 000001986458892145109011728400050000002400 Discover Platinum Card Account Summary Closing Date: February 10, 2006 page 1 of 2 Account number ending' In 7733 Previous Balance $144.61 Payment Due Date March 9, 2006 Payments And Credits - 50.00 Minimum Payment Due $24.00 Purchases + 772.10 .Credit Limit $14,300.00 Cash Advances + 288.00 Credit Available $13,127.00 Balance Transfers + 0.00 Cash Credit Limit $7,300.00 Finance Charges + 18.13 ;Cash Credit Available $7,012.00 New Balance $1,172.84 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashbmk Bonuse Cashbock Bonus -Anniversary Month: January Cashback Bonus(R) is America's #1 Cash Rewards Programl Full 5% Cashback Bonus on Get More purchases In popular categories throughout the year and up to 196 Cashbock Bonus on dl your other purchases. Opening Cashback Bonus Balance $ 11.35 New Cashback Bonus This Period + 1.93 Cashback Bonus Balance $ 13.28 How Can We Help You? p 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 wcrys to help 2• Call 1.8004DISCOVER (347.2683) for fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Feb 1 Feb 1 PAYMENT - THANK YOU $ -50.00 Merchandise/Retar7 Jan 13 Jan 13 WALMRT SUPERCNT 005358 SHIPPENSBURG PA 27.86 Feb 2 Feb 2 KMART 7746 CARLISLE PA . 25.32- - Restaurants Jan 9 Jan 11 MIDDLESEX DINER CARLISLE PA 23.10 Gasoline Jan 9 Jan 11 HESS 38252 CARLISLE PA 50.00 Jan 20 Jan 20 GETTY 67639001 CARLISLE PA 62.00 Jan 28 Jan 28 0263 SHEETZ00002634498 CARLISLE PA 25.00 Feb 1 Feb 1 GETTY 67639001 CARLISLE PA 40.00 Feb 2 Feb 2 GETTY 67639001 CARLISLE PA 57.00 Services Feb 3 Feb 3 NATIONWIDE INS AGENCY 800.276.4981 OH 431.65 000900001906101 ,Cash Advances Feb 6 Feb 6 CASH ADVANCE CHECK #3125 288.00 Feb 6 Feb 6 CASH ADVANCE TRANS FEE FINANCE CHARGE 8.64 Home Improvement Jan 16 Jan 16 LOWE'S 1710 CARLISLE PA 20.00 Jan 17 Jan 17 METRO CREMO'S AND MECHANICSBURGPA 10.17 Discover Card ranked #1 in Fraud Protection Services among the largest credit card companies by Javelin Shntegy & Research in its 2005 report. Your account is protected anytime, anywhere with a $0 fraud liability guarantee a we'll call you right away if there is unusual activity on your account. To loam more visit Discovercard.com/protection Important tnfortnation. If there Is more than one page to tlris billing statement, see the back of each page for additionalimportant information. See your CardmemberAgreemea Your Cardmember Agreement contains all the terms of your Account. Log or stollen cards. Report immediatelyl Cal 1.800.347.2663. SiOng Rights Summary. In Case of Errors or Questions About Your Bill: If you think your bill is wrong, or 8 you need more information about a transaction on your big, write us on a separate sheet of paper at Discover, PO Box 311421, Saft Lake Cly, UT 84130-0421, as soon as possible. We must hear from you no later than 60 days after we sent you the fast bib an which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. in your Nw, give us the f arog intormaion: • Ytrrname and Attohnt mrmhbw The dollar amount of the suspected error. Describe the am and explain, if you can, why you believe there is an error. If you need more information, describe the hem you are unsure about. You do not have to pay arty amount in question while we are imres igaWhg, but you are all obligated to pay the parts of your bill that are not in question. While we Investigate your question, we cannot report you as delinquent or halm any action to coiled the amount you question. Spodd Rule for Cm& Card Purchases. t you have a problem with the quaRy, of goods or seniices that you purchases with a aeM cad, and you have Vied o good faith to ported the problem with the menchad, you may not have o pay the remaihirg amount due on the good or services. You have the prot dlw only when the purchase price was am than $50 and the purchase was made in your lame at* or wWm 100 mites of your mailing address. (If we own or operate the merdunt, or N we mailed you the advertisement for the goods or services, al purchases are covered regardless; of the amount or location of purchase.) Psymeft. Sand only your payment and the top portion of this statement in the envelope provided. Do rat send cash. By sendIN your duct as descried above, you authorize us to use ihfama kin on your check to make an electronic fund transfer him your account at to financial institution indicated on your check or to process the payment as a dick transaction. N payment is processed as an deckmic knd transbt to tank well be for the amount of the check. When we use ihtar adorn from you dunk to make an electronic bid transfer, bands may be**&am from you account as area as the same day we receive your payment, and you 1#4 notvaceive your check bads from your loarudst Irma lion. The processing of you payment may be delayed it you send cash, correspondence or Other MM WO your payrnnt, Nye Send this payment to any Other address 0 (1 you use an OWS40 other I" the tae provided Payme is received in proper form at our processing bdMyr by 5PM local time on any day wil be credited to your Amount as of that day. Payment noOWell-ow papasMng toddy hoer*ll local ttrce will be aedlled to yourAccount.as of tre nedday. If you haws misplaced you em abpe,,sand your peyrnomt.19.Dboover. PO 80a 6103, Cad Season, 1160197$103. Please slow 7-10 days for delivery. N your payment Is renamed unpaid, we receve the right to resubmit it as an dedranic deb. You can pay you mini urn payment or a greater amount of the Wephone, and you can set up automatic payments. Cal us at 1.600.34741683. You will need this statement and you bank amount Marmatiah. You must ensure to sufficient funds are available in you bank account, and ail transactions most comply with U.S. law. You will be asked to provide the list . 5 di* dyer scoouM stabmad 211111 code. By anteing those numbers as your electronic sigmakune, you will be spreeig to thk ms hurt sail m b stow a and you bank to dedud each paymad you aAhaize from you bank scocrrnt, and to olliab debt or credit entrle5 to your bank account, as applicable to cahact an enwIn the processing larch Payment. You must left to the amoutd death pxeynaht or you can select an amount such as to Minimum Payment Die or the New Balance on each statement You can cancel a payment however we nestmoelve notice at bast twee business days o advance of the scheduled payment You may modfy us by Inane at 1-800047.2663 a by mail at the addesa fated in the previous paragraph. If your polav rds may vary in amount, we It tell you on each monthly statement when yhupapoad wR be made and how much it wi be. YourAuometie payment amours may be toss tree indicated on the morift datemad based on credits or payments applied during the billing cycle. CndO Reporting. We may report brbnnafm about your account to credit bueaus. Late pa r4% missed payments, or other defaults on your account may be reflected in you aerat report. We rahmely report the ebks and paymed history of yowAccount to credit reporting agendas each moo. Nyou behave that or report is inacarate or incomplete, please write us at theotaefrhg actress: Dlawver, PO Bur 15316, Wilmington. DE 198505310. Please Indude your vane, address, hone ideplhone rarmber and Acoount rarmhber. Periodic: on antra urM tie d of i as provided below, we will impose Periodic Finance Charges an purchases, casts advances. and bablice i oilers beginning with the data the t riod endrepayment arid im Old ing ''during February 1993 Resvinfil the erve Una b?rcesaymenL 0!d Balances are comprised of Ow carthorses and cash advances ride on or prior to the last day of your billing pe You can avoid payment of Paodic Finance Charges on thew purchases if you pay the Now Balance shower on the bilig statement on which the purchase first appears by the Payment Due Dale, and to Payments and Craft on tie stafenxnt equal or exceed yon Previous Balance We cat thle ilhe'gaws period'. You do rot have a graceperiod on balance transfers or ash advances. Periodic Finance Charges are Imposed on new balance transfers and cash advances booing with the date the transaction o cum Peiodic Finance Chehgee are Imposed on all Vansadons and Old Balances until the date of repayment. Repayment means payment of your entire New Balance. However, if you pay to New Balance shom on this billing sfetemerd by the Paymeril Due Date, and the Peynene and Credts sham on this stmt equal or exceed the Previous Balance, we wig mot wpm Periodic Firm Owil ee an new purchases, that is, purchases frslappearing on this statement_ 9yawAaeunt was dosed as c (September 27,1999, you can amid payment of Periodic Finance Charges t you pay She New Balance shown on this Statement by the Payment Due Date and the Payments and Credits on this stalena t equal or exceed your Previous Balance. Otherwise, you WIN recdvs a bOM statement next mach that includes Periods Finance Charges imposed unti the date of repayment We compue Periodic Feance Charges each day forpurchases, cash advances, balance karWass and Old Balances (which we refer o as transaction categories) by using tike following. equacm Averaga Daly Balance x numberd days in the Ming period x Daily Periods Rate, (Refer b the finance doge suurrhry on the komt of your ststehhent for tress amamts.) The nwe add d the Period Finance Chasm for each transadtionsategoy ogetthe chat Pedo&I'mance Charges for your Account The twetage Daily Satance is shovra as O 4 no Periodic Rum Charges apply to the balance in a transaction category. Wa we the Average Daly Balance (mdudkg new transactions) method of alalafrhg the balance ups which we wpm Periodic Finance Changes. We conVub the average daily balance for each kansed6on category by adding up orb the daily balances h a bilkg period or a transaction category and dividing the toll by the number of days In the bil6hg cycle. We . compile the d* belamca for each karnacbm category on each day by first adding the oilawirg to the previous day's daily below Irensections made that day, fees charged! that day, and Periodic Finance Charges accrued on the previous day's dally balance; and by than sublractkhg any credits and payments that are applied agaiut the balance of the transaction category on that day. Old Balances. at excluded from the balance o (the purchase and cash advance kamaadim oatagones. SpecW tale hallar1c s kamsfars and Balance TiamliorTiansactim Fee Finance Charges are Included in die daffy balance transfer transaction aegory. Balance transfers tut were subject to an irhNel special rate that has been terminated due to a lale payment are also included in the abgory urdil the NU special rate olsomise would hire expired. In afaletng the daily balance of the balance mender transaction category on the fut day of the biting period, we suubtrac the unpaid balance of two Balance Transfer Transaction Fee Finance Charges and balance kanshms tarot become purchase rate balance transfers on that day and we add that unpaid balance to the balance of the puchase transaction category. AN ees dherged to yourAaard are added to the purchase transaction category with the exceptan of Cash Advance Transaction Fee Finance Charges which are added to the cash advance trimsedm am" and Balance Trans* Transaction Fee Fiance Chaim which are added to the below bolder transaction category. N a tran saction made In a previous billing period is fter iced on this atakmahl, we consider the transaction date to be the fist day of the currant billing period when we calculate your Periodic Finance Charges. For TOD (TNetamentnleatorus Device for the D&4 assistance, call 1410347.7449. Discover may mentor and1br record telephone ails between you and Discover representatives for qualtly assurance purposes. The Discove" card is issued by Discover Bank, Member FDIC. OtTBK064 DISCOVER Ir 1o ERNEST SOUDER P Account number ending in 7733 D1SCVER' 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 witfr merchant names, locations and zip codes. Go to Discovercom/paperless and sign up for Paperless Statements today. (M10 Discover Bank, Member FDIC a*4 PPRGRN.0810 dosing Date: February 10, 2006 page 2 of 2 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE RATE: 4.90%. Rate is subject to the terms of the offer including expiration. Use your Cashback Bonus(R) to help others. When you donate your Cashback Bonus(R) to our charitable partners, JDRF, Junior Achievement(R) and the Make-A-Wish Foundation(R), Discover(R) Card will add 20% to your donation. To donate your Cashback Bonu3(R) or learn more, visit Discovercard.com Why not reward yourself this tax season? Use your Discover(R) Card when you pay your taxes and you'll earn Cashback Bonus(R). Just visit www.poy]040.com/discover Finance Charge Summary !Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE RNANCE Balcince Rates RATES RATES OiARGES CHARGES current billing period: 31 days Purchases $459.17 0.06025% 21.99% V 21.99% $8.57 $0 Cash Advances $47.90 0.05751% 20.99% F 39.54% $0.85 $8.64 previous billing period: 31 days Purchases $3.92 0.06025% 21.94% V 21.99% $0.07 none The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Questions? Manage your account at Discover.com or call 1-800-DISCOVER 11-800-347-2683). DISCOVER' New Balance Minimum Payment Due Account Number ending in 7733 $1,321.51 $27.00 Enter Amount Enclosed Below Payment Due Date $ Aprd 9, 2006 Please make check payable to Discover Platinum Card or pay online ? Discovercard.com. 10 SDSNSAOt 0008118 ERNEST SOUDER 2607 WALNUT BOTTOM RD CARLISLE PA 17015-9329 Tired of buying stamps? Go mobilel Make and schedule payments from your phone with the Discover app. It's fast and its free. Download now at discover.com/apps PO BOX 71084 Ill mllrrr111111lrsrlr1111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space lirlrllrrlrrrlrl)rrilrrlrl?ir?lllrrrlrrlrrlrrllirlir)rrlrlrrll above, or go to Diacover.com. Print your "oil address to receive important Account information and special offers. 000001986458892145109013215100100000002700 Discover Platinum Card Account Summary Closing Date: March 10, 2006 page 1 of 2 Account number ending in 7733 Previous Balance $1,172.84 Payment Due Date April 9, 2006 Payments And Credits 100.00 ;Minimum Payment Due $27.00 Purchases + 227.14 Credit Limit $14,300.00 Cash Advances + 0.00 Credit Available $12,978.00 Balance Transfers + 0.00 Cash Credit limit $7,300.00 Finance Charges + 21.53 Cash Credit Available $7,012.00 New Balance $1,321.51 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 13.28 New Cashback Bonus This Period ±_ 0.57 Cashback Bonus& Anniversary Month: January 'Cashback Bonus(R) is America's #1 Cash Rewards Program I Full 5% Coshbock Bonus on Get More purchases in popular cat ries -throughout the year and up to 1 % C=,,'k ;Bonus on all your other purchases. Cashback Bonus Balance $ 13.85 How Can We Help You? 1. Visit Discovercom to pay your b7 for no cost, view your safest 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 selfaervice options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. Trans. t Date Payments and Credits Mar 1 Mar 1 PAYMENT - THANK YOU $ -100.00 Merchandise/Retail Feb 25 Feb 25 WAMRT SUPERCNT 005358 SHIPPENSBURG PA 28.33 Feb 25 Feb 25 MATTHEW'S HALLMARK #20 CHAMBERSBURG PA - - - 8.45 Gasoline Feb 17 Feb 17 GETTY 67639001 CARLISLE PA 55.00 Mar 7 Mar 7 HESS 38358 CARLISLE PA 45.00 Services Mar 3 Mar 3 CLASSIC DRYCLEANERS- CARLISLE PA 15.25 Supermarkets Feb 16 Feb 16 KARNS QUALITY FOOD SNQ BOILING SPRINPA 32.11 Feb 18 Feb 18 SAYLOR'S MARKET NEWVILLE PA 43.00 `information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE RATE: 4.90%. Rate is subject to the terms of the offer including expiration. Starting March 25 visit Discovercard.com or call 1.800-DISCOVER (1-800.347-2683) to sign up for our next Get More :promotion to get 5% Cashback Bonus(R) on gas and soled auto purchases mode of locations like AufoZcne(R), Pep Boys, Sears Auto Center. Only Discover Card offers 5% Cashback Bonus in popular categories that change throughout this year fmpaAartttdonnatioc. athae isnnoe Canoe page tOft Uft statement, seeto lack M each page for add WW important edormaim. Sea your Ca dmemberAomemenf. Your lardmemberAgreeme hl contains al the terms of your Account Lost or stobn cards. ReportimmildgeelyA Catl 1400347.2683. Bil ft Nights Summary. In Case MErrom a oneshm About Ycu ac Kyou ft* your 661 is wrong, of d you need more into ma0on about a bensadiah on your bil, nmle us on a aeparase ahrstd papaal Disoov PO Box 30421, Salt Lake Coy, UT 84130-0121, as soon as posaft. We oast heel trorn you no late ton 60 days after we sem you the test bll on. which lbe emaror problem Weaned. You can feiepthone us, but doing so wl not preserve M ft*. in your letter. give us the folowirg bfamafbn: • Yournaeo sal Accord nidw. • The dderantoat dare sapeded ww.. • Dgsalo the arts ad ewlah I you can, why you beleve tare's an error. If you need more information, describe ft tern yon are whstue ebou. You do not have b pay ay agnut b Welloon MOWS are i nestiga6ng, but you are stiff obligated to pay Ere pats M you bl that we non gtallm Mien Investigate your 4ues8an, we cannot NW you as gelrpcem stake any action to cooed the amour you question. SpaeialAule far CndtCud PmOasm. I you lave a problem with the quality of goods or senices twig you purchases with a credit cad, and you have hied in good faith to oared She pioblern with the nmerdant, you may not have to pay the snaking amount due on the good or services. You have the proleclion only when Be pud m pdoswas more am $50 and this pud" was maden your bona state or within 100 mks of yeur mating address. (If vie own aoperate the nhendwt or if we mated you the advertisorndt for the goods or services, al purd non are cwered.mp dless tithe amoad of bcatorh of pachase.) • Sew only yarpaymontard the top phxtiah dihis staaneaht b the onvoope provided. Do nalaerd cash. BY sendrh8 you ddock ay descaled above, You aulhaae us b use irhbahialoah on your ehedr b madce an ekc0ahic krd franefe from yar aaant aX lithe fnanc?kl insfWUort ihdcaled on Year dhedr or b aoceu the peywonf as a dads traneac0on; tfpaymNrhtfeprogessedasanelediatickardtraroler,Ihe6?arnkrwBf?efataamaamdtlhetthedc.WhahweusefibnratonfOmyardadcbma?xeneleerorhickardasnafer, tumimay bewMcdnawnh krnhyau appotxtafe loam as the samedaywa seeeive y«r payment, ant you vAt not recsveyoa dhedc tmadti+onyau tiunaalihstibrtlomh. The poosairp d Yea paymanf may' bedgeyed tyou sand mb, comeapadam a dherlema wN h Ymoryet glrou saw the Maw to any otheraddress a8 you we ate ON*peatwtfmftwopiOMdad Payrnetaraosihwdinpmperkamataarprooecakgtar ybyiiPMioaltmeonsnydayvtlt»pahitedayasAacadasdtlatday Paymerhb axdved at,ov paooesihp tadiy ht00r?aM ks? lime wB Oe aeAad b yaraowurA as cline nwtt deyr. if You fhave hnbplaoed yarprvebpe. esnd yohrpayaaeart a Discover..i?O Ba ? 6103,Csd9leem IL801Wi103.Pb®esdow7-10days for deirwyKyoupaymembaekanedtmpsid,aemstarw00right btasu Wkuandectrmk dank You eanpayYaratMYrrm paymheNt as groimramanMdlhe Meplwna, and you can set up eu6omstc payments Cal us at 1.0"7.M. You wit need tws stalomerdand your behdtadoout btashetlat `16uma?erhwae tat wltident bads arc araiade in yvubaNc aroaaM, and at transactions must mmpy write U.S. Im You w11 bo aramd b phavide the Gnat bopbdYoaraavutafdrhNNllPonce.Byemehingtlnsenunbersasymurdeckpricsipakxa,youoilbespaekigfoftm* tMmbd wwandyovbw*tocWudeach payamsityou ahiorise tom you badda e0cdrt, ant b ihitieb dicta aedf artier b youfadda teacart as appiodhbb eonac an ems b the procese6tg dwdh paymhenE You must ; tell ustlq amthuht deadlpeHltst aYou 6Yf19eadan aagtrt wcfi es like linddarxn f'9ymI41t Doe a the New Bdarhce on each d*nw4 You can cancel a psAwK hov emn msatmaceivemhMkeatlewst/hreedtsfnesedeysk?advarhosdtlasdhedeledpayrnerhtYaumgrmdYyuabYphoneat1400 7-Moriymddfheaddras MWbtaprevbA psagaph 1yAUr payseeni mtyhaayb aarhount via B EW You on eath monly dabnant when your peYmentwil be made and how mLO Rwl be. YorAutomedc p "eve amount meyia lass tan tnttl?d on the nnordhfy stetanhet dared on aed6s apayrthenta applied a'dahg the btrshg glide. CIGA Res 0 9 We may report blamntm about youaecou t to aerie bureaus. Late psyme ts, mknsed paymen% ordherdebadb on your admaht maybe relleded in youcredt npaLelaahhMyepo Dbooewantpaymet?Aoooutaaehtitreporti>?agencieseachmonth.lyoubatievelfatorreporlibemuaaaboompleb.pleasewhite. ca m la blbwYt addrece t>ismvef PO Bert 15318, , DE 12850.5316. Please aKbde your name, address, home telephone matter and AcomA number. Pabdc Fbanea t2taugaa Fsoapt ea pnhwided babes we wit impose Pediod c Foshoe Chsgn on puchases. caalh adrences. end babhhm tansars fagidrdrt with the date the baaaad6n omvs uhS the dab of npsym entw4 on Old Balances uti the date d repayment. Old Balances we oompdaad of eiherpurdases and cash advances made on or prior b the leaf day Myer hNkg period adig during February W or Reserve Line balances. You can swirl psyn otol Pebdc Financ?e Charges on new p selhases 6 you pay to New Balance alown ante biting amament on which the puctase first appears by the Payment Due Dab, and do Paymenlo ad Cfadlb on t e salemsd aqua! a exceed you Pre 4mm Balancee, ft Cal ftra the "gace period'. You do not have a gaeaa period on balance taceers or cash aftioss. Fable Flame Chagas are imposed w new balance (ran4lere and cash ankances beginning wfth the dab the transaction awns. Neabdb Finance gaapes sae inpoted on al tarsaclons and Old Balances until to date Mrepaymerht Repsymont raeans payment of your eaaire New Balance. Nor-, I you pay the New8d mm ahowm on alibiing sbbmetby the PaywantMe Dab, and le Payments w4 Cretib shoot onINS Cbarrant squat a exceed the Pieviaa Seance, we w8 not irpeaa PsfoJc Fkw t2atges ark maw gadwes, lot is, "dam yst appestat on Ids skrlamwL If yhwrAccexr was dosed as afSeplamber 27, 1IB8, you can avoid payment; K? parythe wilmoeft a Balanceshhash an this Statement by to PeY W D ue fate and the Payments and Dodke m lids embenomequel a emsed you l sbfament next marten that iodides Perbdhc Finance Dam unposed alit the daft of repsymert. We eompue Pediodic Finance Owties each day for purchases, cab advances, When traders and Old Belamoes (which we rata to as traneeclon eafegoriaa) by using the folowing, ehiuatm.Avemp BelarK* ftmbu Daly Periodic Peter Ti add so the P?erio3c Fkktx m Ctargas f?oreach Waactim cal e " to tial it* abll Periodic Finawft fins" charge oe Ch sum as T limit M ge aabment e I twee oxftj 0 9 n Pelodic Finance Charges appyb the balance in a transaction aagay for Sea bryouAocmM heAvetage Deity Balance Is shown as 0 no We use lts howage Qely 8abaoe OdAlrg now kasadtaa) me6wd of c*d lnt to balanceupm which we krpose Amodhc Finance 0aryes. We co" to average dally balrxe foreadh dafaadon categdybyshi ft up al to daily balances b a Ming perlod bra transaction calegoay and d ivMV la btel by to nuhi er M days in the blNlg cycle. We =*& IhedeybWShce breach taaeacloncefe" on each day by frgoddrg this bllowilbla prellaadaysealYifetsroe: fthsadiorameds tlatday, fsetcherged taiday. addPabfwFkwo(ragesamuedanifsf rAmdayadefybatamandbyeonsttbadtganyaedhandwwommaretippledaphdfabalancetithetensadm cals"on latday. Old Belanhcaa are exdadee from ihhe balance M tie purchase, and cash advance hhheadim rxbgories. Spedel rale belana trsafss and Solana TrandarTwnsactionm Fee Roane am"?bd b She day balance thunder transaction raleM. Balance tansies lot were &*d to an Initial spedal rate tat has been lemdndad de b a lab papnemare in, VA. daleM utl ao kdtdspeM rem olotwisewculd have 6#W. In cabuteirg the defy balance d the bdshce t'ens(ec kaneacbai akgay m9aAStdey cline bisg mood, we ehttad the unpaid balance Mfhona Balance ThensbrTraresdim Fee Fnsnoe i =ju and tafance handers the beomhe ptirdase rate balanc?o transfers on tat ' day and we add that unpaid balance to ft belennce of the pudhase humcdon category. Al fees changed b yourAeownt are added to to purchase transaction aaegay wlh the exwplort of Cash Advance Tranwdm Fee Fiance Charges Which are added to the cash a6mm fransadiDa allegory and Balance TransisrTionsacdon Fee Finance Owges which we added to the ng balance parbd is laMaad an this sbWmK we amide the transaction date to be #is Irst da of ft osret bl r la c Fin a Finance mode a previous billing day ling pedfod wren we celodab your Periodic FTdarros Chagas. s. Fit MD (Telaeomrhwimkadana Dacca tot dw Onqusiatahce, all 1W34T-7448. Dfsmtwmaymonlorandrorsecordleleptwneallbetween youandoomwrepresenbdveaforthinlyae wwmpurposes. The and is lashed by Discom Bank, Member FDIC. 01TBKg64 DISCOVER It par to ERNESTSOUDER DISCOVER Account number ending in 7733 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. You'll also be helping yourself to 24 months of password-protected, statement ,k history, complete with merchant names, locations and zip codes. Go to Discmvercom/paperless and sign up for Papedess Statements today. 02010 Discover Bank, Member FDIC PMRN.0810 Closing Date: March 10, 2006 page 2 of 2 Discover Card ranked #1 in Fraud Protection Services among the largest credit card companies by Javelin Strategy & Research in its 2005 report. Your account is protected anytime, anywhere with a $0 fraud liability guarantee and we'll call you right away if there is unusual activity on your account. To learn more visit Discovercard.com/protection Why not reward yourself this tax season? Use your Discover(R) Card when you pay your taxes and you'll earn Cashbock Bonus(R). Just visit www.pctyIO40.com/diwover Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily 8 ces Periodic Rates PERCENTAGE RATES PERCENTAGE RATES FINANCE C7f9RGES FINANCE CMRGES current billing period: 28 days Purchases $978.53 0.06093% 22.24% V 22.24% $16.70 $0 Cash Advances $299.81 0.05751% 20.99% F 20.99% $4.83 $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 7733 $1,712.19 $45.00 Enter Amount Enclosed Below Payment Due Dote May 9, 2006 Please make check payable to Discover Platinum Card or pay online 0 Discovercord.com. 10 S0SN6A01 0008120 ERNEST SOUDER 2607 WALNUT BOTTOM RD CARLISLE PA 17015-9329 Tired of buying stamps? Go mobile] Make and schedule payments from your phone with the Discover app. It's f and its free. Download now at discover.corrdapps PO BOX 71084 111rrrl1rnas[III lurlrlul CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to loll fill fill ++II++++++++u1ll1+rrl++l++1++11+u1+r1+r1 +1rr1l receive important Account information and special offers. 000001986458892145109017121900050000004500 Discover Platinum Card Account Summary Closing Date: April 10, 2006 page 1 of 2 Account number ending in 7733 Previous Balance $1,321.51 Payment Due Date May 9, 2006 Payments And Credits 50.00 Minimum Payment Due $45.00 Purchases + 411.57 Credit Limit $14,300.00 Cash Advances + 0.00 !Credit Available $12,587,00 Balance Transfers + 0.00 Cash Credit limit $7,300.00 finance Char + 29.11 Cash Credit Available $7,012.00 New Balance a 1,712.19 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bmuae Opening Coshbock Bonus Balance $ 13.85 New Cashback Bonus This Period + 1.03 Cashback Bonus Balance $ 14.88 Cashbook-BonuseAnniversary .._. ... ..,._ _... .. ........... ........ __ _ ........... 'Month: January Cashback Bonus(R) is America's #1 Cash Rewards Programl Full 5% Cashback Bonus on Get More purchases in popular caatteeggories throughout the year and up to I % Cash back Bonus on all your other purchases. How Can We Help You? Q I • Visa Discover.com to pay your bill for no coat, 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 selfservice Please have your Discover Card available. options or to speak with a Customer Service Account Manager for hearing 3. Write us at Discover Card, PO Box 30943, For TDD (assistance g impaired) see reverse side Sag Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Apr 2 Apr 2 PAYMENT - THANK YOU $ -50.00 Restaurants Apr 4 Apr 4 BOB EVANS REST #0281 CARLISLE PA 24.86 Gasoline Mar 19 Mar 19 HESS 38252 CARUSLE PA 53.00 Services Mar 21 Mar 21 NORTHEASTERN SUPPLY #2 CARLISLE PA 41.97 Apr 1 Apr I KRUGER'S RENTAL SERVIC CARLISLE PA 56.18 Warehouse Clubs Mar 30 Mar 30 BYS # 0252542625913 HARRISBURG PA 58.55 Home Improvement Mar 18 Mar 18 LOWE'S 1710 CARLISLE PA 62.97 Mar 18 Mar 18 LOWE'S 1710 CARLISLE PA 53.79 Apr 1 Apr 1 THE HOME DEPOT #4149 CARLISLE PA 60.25 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE RATE: 4.90%. Rate is subject to the terms of the offer including expiration. Manage your account your way - whether you prefer to speak with a live person or manage things on your own, Discover(R) Card has the right account management options for you. Call 7-800-DISCOVER (1-800.347.26831 or visit Discovercord.com Important Infarmation. If Owe is more than one page to this billing statement, see tie back of each page for editonal important information. Sae your CardmemherAgreement Your Cardmember agreement contains at the terms of your Account. Lost or stolen cards. Report immediately' Cal 1-800.3474663. Bltkhg Rights Summary. In Case of Emasf Questions Abaci Y. Bill: B hnk.yrxr bill is wrong, or 0 you need more information about a transaction on your hit, write us on a seperawshest of paper at Drover, PO Box 30021, Sell Lake , . UT 84130 0421, as soon as possible. We must hear from you no law did t 60 days after we sent you the first bill on which ft error or problem appeared. You can. telephone us, but doing so will not preserve your rights. In your Ww. give us the klowirg information: • Your Hems adAaoudtxmbes The dollar amount of the suspected error • Describe the error and explain. ilyou can, why you believe Mere is an era. t you need more infomatim; describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are all obligated to pay the pans of your bill that are not in question. We we investigate your Weston, we cannot report you as delinquent or take any action to coiled the amount you question. Special Rate for Credit Cud Pu rcl asst: tyou have a problemv>Nh the qua0ly of pods at swAces that you purchased with a credtcaid and you have teed in good teeth to oorrect the problem with der mlerclnit, you may not have to pay the remaining amount due on the goods or services. You have to prdeceon only when the purchase price was more Im $50 and the purchase was made in your hone state or within 100 miles of your meting address. (t we own or operate to merchant, or f we mated you the advertisement for The good or services, at the purchase are coveted regardess of the amount or boon of vie purchase.) Payaratfis Seed ahyyarpayrnadard the tap panties of hue sofemeof in hue enudop Previded Do rat send cash. By es"r9 yeatu lord as decor bed above, yen anntnar¢e us ID use inbrmglen on y wrdodc o make and elecranic keel trarisfaram ymr acceuf at the isancal olmlat indceted cn you dhedc a b process trio payment as a dada Irohsactorh. thin payment off processed as o alecYOnic fund transfer, the aenster will lee far the ernahxR dhue dick Wtonwe use alamation ban yW rt1?1d o snake en detcromlc brut trersfer, Arnds may tie witlhdrawxt rom.your of Wlrlt 98 soon 89 Ar SetYle day Wa receive your paymemht, eruct you wall mat receive yam deck haft rOm your lnarhncal iuGemtiah. Pmt"Y paYuf f Y W serhd a otlhar teinswdh you paymennt, if Yoe Bernd to payrnieritb anyotier eddredi br'f grail an uwelape otor ttarh hue ate phwided. Poymente received n proper form at our processing fac4ty by 5PM kbdxi time on anydey will be aedted b your Aaant as d that fey. t'aYrnents teoeivad at our pneoe?ing IsdOy alai 5PM local time wit be aedted b ynurAcoarm as d to rabA tlayt Byou trove nisplacad yam erwebpe, send yarpeymant o Drover, PO Box 6103, Card Stearn; K 60197.6103. Please slow T-10 days br delivery Byou payment is inhumed unpaid, we reserve Me fgM to tesummit it es en efecbonicdebit You can pay your minimum payment or a greater count over the kiephama, and you can set up aulomatic paprtaft Cal us at 1-8"72683. You wit need this sWement and your but account inioa old. You must arose that affmil funds am avaWle in your bank account, and d kermac9ars must comply with U.S.law. You wit be asked to provide to tiro 5 dpi ofypu acearf inelmortZIP code. By storing terse mothers as your eiecACnic sgrara9, you wilt be agreeing b On authorization b allow as and you bank to deduct maid, parretuvpu aupkaizs from your bank account, and In talaate debts aedlaariea to your be*account, as eplik", to correct error ip to Processing otsuch payrrett You tmwlet us to amount leach payment, or you can select an amount such as Minimum Payment Due or to New Balance on each statement. You can cancel a payment, however we must recarve notice at frost fires business days in advance or the st eduled payment. You may nody us by phae at 1500-.707,2683 or by mail at to address Wed in to previous paragraph. Byer parrots may vary in aruourd we will 1911 you on each mantly stalearedwhen you paymart will be made std how much it will be. Y=Aulammla payment annoaht may be fees then the er dialed on the monthly statement based on credits or psyaoNs applied during the biting cycle. Credit Reporting. yte may report infermalom abod your account b aWit bureaus. Late payments. missed parroas, or other dek & an your amount may be rateded in you aedl report. We normally report to staters and payment tu" d you Account to credA repwq agencies each m nth. H you believe to our report isinacaaste Of ncenplete, plesss write ra of the following address: Discover, PO Box 15316. VArnnglor, DE 198505316. Please include your dome. address, lame telephone number andAccount number . PERIODIC Ft4 KE CRAGES. Periodic France Charges are imposed on at transactions from the date to traroich n is posted b your Aornmt until the dale you pay your entire New Balanoa, by rnaldllg payrnerds p receiving trodits. Nowsm. we wil provide the klowimg •g" period' If you paid the New Bdmo orb you penicrs b&V sM*mont by to Payment Duo Date shown orn tat statement, and you pay the New Balance by the Payment Due Date on ifs statement war will ratimpose Periodic Pitman Borges on new Purchases, gat ie, ptadieeeatsstappeadi g on this statement. Otherwise, you will receive a biting statement nod month that includes Periodic finance Charges on terse new purchases. There is no grace period on balance transfers or cash advances. ft sal your raraactlas into grahps of purdases, cash advances, and balance transfers and than fudher sat the transactions wft each group by their Annual Percentage Rate. For example purchases subod b a praotiaai rate and purchases stont to standard sale would be separate groups. We refer to toss groups as traroidon categories. At the end of 096 biting period, wit coVute Periodic Finance Charges for each day of to billing period br each transaction cafegory. We use the following equation to comptla Periodic for each transadon aaogay. Average Daily Balance x number of days in the biting period x Daily Paodc Rao. (See the finance charge summary on your statement for these amounts.) Then we add up the Per odic Fxaxce Charges l or each transaction category to rgat the Intel Paiodc Finance Chagas for your Aemaw. The average Daily Bruce is shown as zero f, because of die grace peod, no Periodic Finance Charges apply to the batem in a transaction category. We use the Average Daily Balance (ndndrg new transactions) me" of calo lafrig the balance upon which we impose Periodic Finance Charges. We compute to Average Way Balance for each aansacbn category by adding up at the daily balances in a biting period for a transeclon category and dividing the lord by to number of days in the billing cycle. WB compile to daily balance for each 7ansaclorh category on each day by lust adding the following to the previous day's daily balance, trawadons made gat dax fees charged tot day and Paiodc Ftrance Charges. accred on that day. 9a ira sadhhon is posted to yowAccaad after he close of the billing period in which it occurs, we wit beet the transaction as yavirg occurtedarthe fuel day it the liking period in which d is posted toyour ArowA. At fees charged I* yourAmourt are added to to aknderd purduae traoecliah category wsdn the exception of Cash Advance Transaction Fee France Charges which we added to dw **" cash advance Vivisection ralepay and Balance Tmnsler Transaction Fee Finance Chef" which are added to thin applicable balance Uaskr as secloin cauillory When fie special rele expires, we move be unpaid balance duo balance VWWN and the Balance Twister Transaction Fee Finis a Charges to to standard purchase haisacWn cabpay llovra ail. I the special male Fret been terminated under vie Daharli Rate Plan, we IasN the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee F harm Charges in to applicable aaseclon aategcxy roil Abe special no wmld have expired. For TDO (Telecomwnmicatione Device fora Deal) assistance, rat blot 347-7109. Discaser may m milor andkr record Wephone calk behween you and Discover representatives for qualty assurance purposes The Discover' card is issued by Discover Bank. Member FDIC. O1TBK107 DISCOVER' Go green. Go paperless. lrpayst ERNESTSOUDER ©ISCo Account number ending in 7733 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•prolected, statement history, complete with merchant names, locations and zip codes. Go to Discovercom/paperless and sign up for Paperless Statements today. o? a X2010 Dwwer Bang, Member FDIC PPRGRN.0810 Closing Date: April 10, 2006 page 2 of 2 Discover Card ranked #1 in Fraud Protection Services among the largest credit card companies by Javelin Strategy & Research in its 2005 report, Your account is protected anytime, anywhere with a $0 fraud liability guarantee and we'll call you right away IF there is unusual activity on your account. To learn more visit Discovercard.com/protection Use your Discover(R) Card to make a $100 donation to The Statue of Liberty-Ellis Island Foundation, Inc. and you can have the name of someone you care about engraved on The American Immigrant Wall of Honor(R), built to celebrate freedom and commemorate American Dreams. For more information log on to Discovercard.com DISCOUNTED MOVIE TICKETS! Visit The Movie Club at www.cinemaseatsinc.com/discover to purchase movie tickets good at major theatres across the U.S. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FIN Balances gates RATES RATES CHARGES S current billing period: 31 days Purchases $1239.37 0.06162% 22.49% V 22.49% $23.67 $0 Cash Advances $304.94 0.05751% 20.99% F 20,99% $5.44 $0 The rates that apply to your Account are either fixed (f) or they may vary f 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 $1,838.74 $48.00 Payment Due Date June 9, 2006 10 SDSN6A01 0008121 ERNEST SOUDER 2607 WALNUT BOTTOM RD CARLISLE PA 17015-9329 Account Number ending in 7733 Enter Amount Enclosed Below Please make check gyaable to Discover Platinum Card or pay online Discovercard.com. Tired of buying stamps? Go mabfet Make and schedule payments from your phone with the Discover app. R's feat and its free. Download now at dlscover.com/apps PO BOX 71084 Illccrllrcrrrrllllrsclclrrl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space 11111111111111 rllrrrlrrl111111llirrrlrrlrrlrrllrrlrrlulrlrrll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 0000019864588921451090L8387400050000004800 Discover Platinum Card Account Summary Closing Date; May 10, 2006 page l of 2 Account number ending in 7733 Previous Balance $1,712,19 Payment Due Date June 9, 2006 Payments And Credits 50.00 Minimum Payment Due $48.00 Purchases + 143.73 ;Credit Limit $14,300.00 Cash Advances + 0.00 Credit Available $12,461.00 Balance Transfers + 0.00 Cash Credit limit $7,300.00 Finance Charges + 32.82 Lash Credit Available $7,012.00 New Balance a 1,838.74 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 14.88 New Cashback Bonus This Period + 0.50 Cashback Bonus Balance $ 15.38 Cashbcck Bonuse Anniversary Month: January ;Cashbook Bonus(R) is America's #1 Cash Rewards Program! Full 5% Cashback Bonus -on Get More purchases in popular categories throughout the year and up to 1 % Cashback 'Bonus on all your other purchases. 'How Can We Hel You? P 1. Visit Discover com to pay your bill for no cwt, view latest Accourd information, earn and rodeem reWartfs and more ,It's your choice - 3 ways to help 2. Call 1-SMDISCOVER (347-2683) for fast, easyselfservice 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, iFor TDD (assistance for hearing impaired) see reverse side Salt take City, UT 84130 'Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Date Date Payments and Credits May 3 May 3 PAYMENT - THANK YOU $ .50,00 Gasoline Apr 21 Apr 21 GETTY 67639001 CARLISLE PA 58,72 Apr 26 Apr 26 PHARO'S TRUCK STOP SHIPPENSBURG PA 85.01 .Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE !RATE: 4.90%. Rate is subject to the terms of the offer including expiration. Let your Discover(R) Card pay your monthly bills, and you'll have more free time and a clearer picture of your monthly spending. Simply contact your service providers today to set up regular automatic payments with your Discover Card and start building your Coshbock Bonu3(R) even faster. impOMarAldormatiow. Nthere is more Qan one page b 4ms btlkng staterettl see the back d each page for eddiFwnal irpoAant idomnation. o See ro rC,ardmember Agreement. Your Cardmember agreement contains all the terms of yourAccount z Lost at stolen cards. Report immediately! CA 1 SM472683. J. 0 Bli ft rights Summary. in Case of Errors or Questions About Your 84. If you ftk your bin is marg. or 9 you need more information about a transaction on your bill, write us on a 0 separate sheet of paper at Di; w, PO Box 30421, Salt Lake Cky, UT 641340421, as soar as possbb. We must hear from you no leer ratan 60 days after we sent you the first bill 0 on which the error or ptch lem med. You can whiphow us, but doing so *1 Wpresecve your rights. In your Mier, give us the foioserg irdonattim: $ Your name and Account nunbu The dollar amount of the suspaciied error Describe to error and explain, I you can. why you believe there is an error. If you need more information, describe the Bern you are unsure abort. You do not have to pay any amount in question while we are investigating, but you are sit obGgeled b pay the parts of your b6 that are not in question. Whsle we investigate your question, we caretd repatyou as delinquent or take any action to collect to amount you quesbon. Spacial Rate for Credk Card Prrehnes: N you haze a problem with the quality of goods or services that you purchased will a credit card and you have tried in good I&M b correct On aK the with ft merchant, you may mat have to pay the remairi" arnamt due on the goods or services. You tae On protection only when the purchase price was more Man purchase was made in you lame state or wiMnt 100 noes of your mating address. (t we awn or operate the merchant or if we mailed you the advertisement for the good or services, all the purchase are covered regardless o (ft amount or location of the pucluise.) Payments. Send only your payment and the top portico of the statement in the envelop provided. Do not send cash. By sending you check as desorbed above, you authorize us 10 use information on your d"10 make and ek3drmric fund tanafer from your amour at the ineruxal i stirutm indicated on your check orto poem to payment asa cac k trwisedom. NOn payment b processed in an Meet ork had transfer, the transfer rail be fa the amour 61 the deck When we use irdormadon horn your cede to make an electronic fund bank, funds may be withdrawn fmm.your accourt as soon as the same day we receive your payment, and you A rd receive your heckbe(* tom you fautWrei kmmu6on. The prooes khg dyer pelimemt maybe delayed if you send eesh.0ortaspahdwme or other items with yourpaymenb i you send the payment b any Bier address or if you use an envelope Other than to one provided. Payments received in {rape form e(our processkg facility by 5PM local time on any day wit be credited to your Account as of that day. PsymsNe received at our processing fea'Gy after 5PM local ume will be credited to your Account as of the red days k you have misplaced you mtvelope, send yaw payment b Discover, PO Box 6103, Carl Stearn,1.60197-6103. Please allow 7-10 days for delivery. N your payment is mtumed.u paid, we reserve to ngM to resubmit A as an el*** dehit. You can pry you minimum payment or a greater amount over tie telephone, and you can set tip akdanatic payments. Cat us at 1400,T472683. You will need be slalemem and your he* mom inl rmal on. You must ensue OW sul6aent hands are avaibehis m you bate account. and ail transecforis mast eorrplyr wdi U.S. Law You will be asked to provide the feat 5 digts of you accost side en ZIP code. By a" these manbers as your electronic siprutue, you will be agreeing to tie ladhor zatah to allow us and your bank to dedtrt.each payment you a dicrizafrom you bank account, and b inhale debt or credit armies to your hank aocaat as apptabfe, to coned am in the Mocess" of such payment You must tin us the amount death paynie t, or you can sic an amount such as Mnnman Payment Ouse or the New Balance on each s4tanard. You an ancat a payment, hvaaverwe mat receive tabs M%W bee hhhdness days in ad,rarice d the scheduled payment You may notify us by phone at 11400 54726'S:i at by coal at the, address isled in ft previous paragraph. If your payments may very in amount we will tell you on each montay sWenamt than your paytnent will be made and tow mach it will be. Your Automatic payrnert amour may be teas then the indicated ache monlih7 statement based on cradle or payments applied dubg the biting cycle. Credit Reporting. We may repot inkemeam abort your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be, reflected in yam credit report. We normally report toMus and payment hatory of your Account b credit reporeg agencies each moult. {you believe tat our report is kimcurate or imcompiate, please write, us at the following address: Discover, PO Bon 15316. Wtmegton, DE 198545316. Please include your name, address, hone telephone renter and Account comber. PERKNE FIMME CKMES. Periodic Fmanae Charges are imposed on all transactions team the data to trimsacton is posted to your MOM until the dale you pay your entire New Balance, by making payments or receivkg credits. However, we will provide the thlbwbg `grey period' If you paid the New Bebarra an you pevios bkeg statement by is Payment Due Dab shown an that statement, arid you pay the Nov Balance by the Payment Due Date an this statement we will not impose Periodic Finance Giagee on new padasss, that is. pschisses fist appearing on this statement Oterwise, you will receive a Ming WAMOnt nee month that includes Periodic Finance Charges on dim new pudases. There is no grow period on balance mensfers or cash advances. Vie sod youruansectioa inks groups of puchaaes, ash advances, and balance, tra mks and then further sat the transactions withn each group by tiarArasy?acentage Rate. For em*&purchases stbjed 13 a prmtatiohn role and Wichases etbpdto sknda ! rate would be separate groups. We refer to tsaegroups astansecimcaelpes. At the and dead, W'rg period, we aanpula Periodic Finance Chagas for each day of be baling period for each transaction CRU ay. We use the Wong equation to corngde Periodic for each transaction alagay. Average Day Balance x number of days in the biting period x Daily Periodic Rate. (See the inahoe carpe summary on your Statement fortrese airnu ts:) Than we add up tie Paiodc Finance Cherpes for each marwow ategay to get the toles Periodic Fiance Charges for you/lcount. The average Daily Balance is shown as zero t, because of the (paw period, no Penedic Fascia Charges apply to the balance in a transaction category . We use the Average Day Rd. (ndmdig raw tha sediots) mel iod of apxaet hg the balance uponwhich we impose Periodic Pianos Chagas. We compute the Average Daily Balance for each 6asaciah ategQrybyOft hp all the daty balanws it a billing period fora.mamactim category and dividing the bW by the mmrhhber of days.n the long cycle. We compute the daily balance for each transaction category on each day by IM addshg the Now" b the previous days deny Wines, mameetios made that day, fees charged that day and Periodic, Finance Charges cared on that by. I a uansadon a posed to your Amount eta Me those of the billing period in which it occurs, we will beet the transaction as *WN owned m tk flat day. of the billing period in which it is paved to your Account AiteesdrehgedbyourAcoouiaasddeGblheseridrdpadiaselrarsacJimafegorywilhlheaeoeptmdGashAdvanwTmnsedxisnFeeFinenceChageswlichareakledto the appkeble csshh akahoe tarsaciorh eamhgoryr ad Botahae 7rernsfer Trensacton Fee Fnarae which are added b to appicebla baterhoe master irersacion ate'gory. When tle apedaf rate spies, we move tlhe staid batariw d the belerice Uenefe and Ie Batase Ttanater Trasedim Free Fsiaia (2ergea to the stadad piadeae marsaction a9egghy. tivttsva; true epacisl rats mss hear knrinated hbada Qua Defehdt Rork p?at,vreteaye the tsnpatd bakna d the balance irasler and Ile Balenw Traefer Thansac4m Fee Franc Ch?rgesfe the appicabb basediprh category until tla special tafewouM have spired.. ForTDD (Tatecommubeatas Device for the Deef) assistance, an 14804347.7419. Discover may morn Warhdbr record Wephoie cats between you and Discover representatiua for quak assurance purposes The Dacgnreacard is issued by Djpwver Bank, Member FDIC. OiTOK107' DISCOVER' Go green. Go paperless. It pays to ERNESTSWDER DISCOVER Account number ending in 7733 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-profecled, statement history, complete with merchant names, locations and zip codes. Go to Discovercom/paperless and sign up for Paperless Statements today. i 02010 Discover Bank, Member FDIC PPRGP.N.0810 Closing Date: May 10, 2006 page 2 of 2 Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES- DES current billing period: 30 days Purchases $1485.76 0.06162% 22.49% V 22.49% $27.47 $0 Cash Advances $31034 0.05751% 20.99% F 20.99% $5.35 $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 1-840-DISCOVER (1-800-347-2683). New Balance Minimum Payment Due Account Number ending in 7733 DISCOVER $2,202.02 $54.00 l Enter Amount Enclosed Below Payment Due Date $ July 9, 2006 please make check payable to Discover Platinum Cord or pay online Discovercar., 10 SDSwAo1 4008122 ERNEST SOUDER 2607 WALNUT BOTTOM RD CARLISLE PA 17015-9329 Tired of buying stamps? Go mobile] Make and ==app. ments from your phone with Its fast and Its free. Download now at dtscover.com/apps PO BOX 71084 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space ?ri?o?+or?rrr?r??ror?or?r?rrr?)??rrr?rr?rr?rr??rr?rr?rr)r?ir?) above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892145109022020200100000005400 Discover Platinum Card Account Summary Closing Date: June 10, 2006 page 1 of 2 Account number ending in 7733 Previous Balance $1,838.74 Payment Due Date July 9, 2006 Payments And Credits 100.00 Minimum Payment Due $54,00 Purchases + 425.19 Credit Limit $14,300.00 Cash Advances + 0.00 Credit Available $12,097.00 Balance Transfers + 0.00 Cash Credit limit $7,300.00 Finance Charges + 38.09 !Cash Credit Available $7,012.00 New Balance $2,202.02 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 15.38 New Cashback Bonus This Period + 1.86 Cashback Bonus Balance $ 17.24 Cashback. Bonus* Since. Anniversary -Month ............. ........... January: $5.89 Cashback Bonus(R) is America's #11 Cash Rewards Programl full 5% Cashback Bonus on Get More purchases in popular calapones throughout the year and up to 1 % Cashback Bonus on all your other purchases. 'How Can We Help You? I • Visit Disc~ com to pay your bill for no test, view your P latest Account information, *am and redeem rewards and more It's your choice . 3 ways to help 2. Call 1.800AISCOVER (347.2683) for fast, easy self-service . Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 ;Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Jun 1 Jun 1 PAYMENT - THANK YOU $ .100.00 'Gasoline May 24 May 24 TURKEY HILL #0268 Q69 MECHANICSBURGPA 44,00 May 25 May 25 BJS FUEL #9025 WOX HARRISBURG PA 59.00- - - - Jun 2 Jun 2 GETTY 67639001 CARLISLE PA 79,00 Jun 7 Jun 7 GETTY 67639001 CARLISLE PA 100,00 Warehouse Clubs May 25 May 25 BYS # 0252542625913 HARRISBURG PA 107.84 Horne 6nprovement May 23 May 23 PETERMAN POWER EQUIPME CARLISLE PA 15.43 May 27 May 27 5171 NEWVILLE DO IT BE NEWVILLE PA 19.92 'Information For You 'Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE RATE: 4.90%. Rate is subject to the terms of the offer including expiration. Get set for fall. Get 5% Cashback Bonus(R). Use your Card July to September at Gap, Kohl's, Marshalls(R), TJ.Moxx(R), Famous Footwear TM, Dell TM, Office Depot(R), OfficeMaxot), Staples, Linens 'n Things(R), Pier 1 Imporis(R) - and on tuition and get 5% Cashback Bonus. Sign up for the fall Get More program at 1-800-DISCOVER (1.800.347-2683). WwFbint hdamedon. t there ismore limn one page m uis bitahg statement see the back cif eedh page for addlgrW important nfomnalion, o See your Cardmwnb&rAgeeem nL YdrCmdmen )er egreement contains all the terms of your Account. z m Lost or etolan,wds. Report nlrmdia lWO Cad 1604347-2683: o Eft RWftSlfmmmyl:InGeseofEhmatQuedorisAboutUsBill:Ifyouthnkyotub*iswrog,errifyouneedacreudamtatimahwdakensscUmanyorbitt,vwlsusona seperafeaheel paper of PO Box 30421,Saktake City, UT 841 "21, as soon as possiiWWemust barftmyounoWerthan 60depafter wesent youthefirst bit on Wtwln the am or problem499ared. You can. Wephm is, but doing so will not preserve your rights. In your letter, give us the fotovkV Wormation: N • Yatr rlarne endAaakht raPCiber N • The doter armust of Oita a ppeued am Describe YIa er[gr and e*64 0youcan: why you believe there is an error. If you need more intamahM describe the Leon you am unsure about. You do not have b payapg amounlin quesim while we are investigating, but you are slid obligated to pay the parts of yar bit tta ere not it question. While we investigate your question, we carawknVottyou as delinquent or take any scrim to card Uwe a+rowntyou question. SpeeW Rate for Credit Card Purchases. If you have a problem with the quelty of goods or seivkes that you purchased with a credit teed and you have tried in good lalth to correct theprabbi nwAt the merchstt,:you may rot have to pay the remaining amount due on the goods or servioes. You have thB protection only when the purchase price was mare than $50811(l 1118 Qutdos was madam, yotefiome state orwithi t 100 mks of your tnaDV address. (If we own or operate the uherdhaa; or f we.meied you Bie.adverisemeMforthe good or setnoes, at the ptuchass'areociverad regardless of the amount or loosion of the purchase) Payments. Send only, yatrpeymant:and the top portion of the statement in the envelop provided. Do not send cash. By sending yocrcliecli as described above, you a dome its b nee irdomm slim on yagdtsdc to snake and electronic find briefer from yourecoasdat the financial institution indicated on your dieck:or to process the payment asa d" =111 * bcvaic had translar, l he transfer will be ler tte.amaad of the check When we use irtorntetiarh tram your chest to rrhakean = ind farts may bewiihdiansh (rom.your account as soon as the acme day we receive your payment, and you will ad receive your d" bade from yourfnanaal iheebAon. The prose V of your papthett-09 delayed it you send cash, oarespondaae or other iMns with yar papnent, rtyou send the payment to any other adtlresua rtyou use an. whilepeather than the an provided. Payments received in proper form at our Processing boility by 5PM local in* an any day will be ae4led to your Account as of OW dey. Payments waived dour procesirg.NegTiader5PM local time wd be credited b yarAcoohatas of the next ft If you love miapieoed yaw envelope, send you payment to Discover, POBox6103,Card,%ean.IL 197.6f03.Please dow7-10 days fordeiuery.If your payment isMood unpaid,wereserve tharighdbresubmit Aasan deckoMCdebit. You an pay yotrminirman paymentora greMeramwuM over the telephone, and you can ed up wdmvic payrthmta. W..us at 14"72683: You will . rheed this sleknheasrd your bank sorxhud information. You mail ensure that sufficient finds are aveieble in your bats account. end dl dansildoes mn1 con* with U.S.law, You will be a" toprowde dofirs! 5digits of you aorxrart saMNaentZIP code. By emedng;t ossnunbers as yaw elecbonicsignaiae. you will be agreeing to des autwtvaim to allow in arid your bw* to deduct each paytaerdyouauthorb keen your bar* accowd, and to riti ite debt or aed3 entries to you be* eaotK as applicable,-to correct error in the praoeaarg of?wch payment You must tenure the emartof each peyme d, or you can select an amount such as Minimum Payment Due alhe Now War" on each statement. You eon canoes a pant however we mat teaive name at MW bee bh days in adva Iced the scheduled paymatt. Yrw may nobly is by pirate at l-W34740 or by mat at the addaaslisted 'hn der previous pwagrapfk If your paymhats may vary in amount we wB tat you an each natty aMameM when your payment wit be made and hav much d win be. YorAtibuk payment arhait may be foss to the indicated on the narttty statement based on aredlla or payments applied during the larding q*: Credit ReporUtq. We may mporl edormaim about yon account to waft bureaus Late paymenls,misted payments, or other defaults on your ac couht.may berelieded in your credit report. We rtomhally repM the stabs and payment history of yawAcco rht to credit reparing egewdes each more h, If you believe that our reports insomnia or i compeb, please wrle in at tie lo&iag address: Discoer, PO Box 15316, Wdnitgton, DE 198545316. Please include your mars, eddrem.lame telephone number and Account number. PEfWD1C FINANCE MES. Periodic Finance Clhatges are imposed on all transactions from the date de trmsection is pasted to yorrACaeut udil two data you pay your entire Now Balance, by making payments or receiving credits. However, we will Provide the following 'grace, period' t you paid the New Bak- on, your per-billing statement by the Payment Due Dab shown on that ataemerht, and you pay the New Balance by the Payment Due Date on this statement we wit not impose Periodic Fm ance Claiges on new phmdases. the is, purdhem *9 appearing on this satement. Otherwise. you w10 receive a billing statement next month 09 includes Periodic Rence,Charges on those new purchases. There's no grace period all balance transfers or cashadvarces. Vh sat your iensacio s.inlo groups of purchases, ash ac rand s, and balance transfers and then hi t eirsal the transactions within each group by 1 heirAmud Perceirlege Rate. For example pwdhasea.subject to a promotional rate and purchases sul*ot to standard rete would! be separate gaps. WQ refer to these groups as transaction categories. At the end of each burg period..we oomputa Periodic Fne[rce Charges for each day o (the bitting period for each transaction category. We use the following equation b mmpde Penodiic DFiyai for each tMori category Av ale x mb of d* in the g period z Daily Periodic Rob. (See the irsnoe charge summary on your aaement.fathese ) W S xn e category to get the, told Penodic Finance Cbnft for your Account The average Daily Balance is arr s as zero f, because of the shom grace period. no Periodic Finance Charges apply to th0 balance in a transaction category. We nee the Average Daily Balance (including new transactions) method of aladaiug the balance upon whiew.we ampose Periodic Fmence Chagas. We compute theAaerage Dail Balm for each Ratsaotion categayby addn9 up ell the daily, titans in a burg period for a transaction category and dividing the total by Ste comber of days to the bring cycle. 10 compute the daily balance for each traaerdion abgouyon each day by frsta&WQ the following to the previous days daily Were, transactions made that day, fees charged the day and Periods Frlerce Chmjw eomed on0st dq W a kensacbm kv pasted to yawAooamt attar the dose ohhere brag period n which t ooaxs, we vA treat the tranwcbon as having ocarred on the W day ohthe bilig period in which t le posted to yo tAooant At pees dsrged to yo rAccount we added to the sfandwd purchase transaction category with the aocepim of Cash Advance Transaction Fee Finance Chages which are added to to applicable cash advance transaction categay and Balance Transfer Tianssobon Fee Firma Charges which are added to the applicable balance transfer transaction ca VAm the special tale a "es; we move the unpaid balance of the balance transfer and the Balance Transter Transaction Fee Finance Charges to to standard purchase transaction category. However, t is special rare tae been termnatedpnder the Default Rafe Plan, we lave the unpaid balance Ollie balance transfer and the Balance Transer Transaction Fee Finance Charges in is applicable tra rsadiar category acct the special rate would have expired.. For TDD {Telocomrwnicatoms Device for the Deal) assistance, call 1-800.347.7449. Discover may manta erdforrmoord tdephme alle hehyeen:you and Diswver representatives for quality assurance purposes The Discover" card is tssuedby Discover Bank, Member I=, OITBK107 DISCOVER' It peys to ERNEST SOUDER DISCOVER Account number ending in 7733 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. 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/papediess and sign up for Paperless Statements today. @52010 Discover Bank, Member FDIC PPRGRN.0810 Closing Date: June 10, 2006 page 2 of 2 Congratulations to the 2006 National Discover(R) Card Tribute Aword(R) Scholarship winners: Jacqueline Bovier, Stephen Carlson, Winter Downing, Tyler Fortney, Bethany Lyon, Monika Mackow, Desiree Nelson, Seth Robinson, William Stone, and Tess Stoops. Each won $27,500 for post high-school education or training. Visit Discovercard.com/tribute Discovercard.com provides you with the easiest online self-service options that put you in control of your account. Make a payment today or schedule one in advance. Sign up for timely e-mail reminders to help you avoid fees. Easy account management is just a click owayl Register or log in to Discovercard.com/register Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Balances Periodic Rates PERCENTAGE RATES PERCENTAGE RATES FINANCE CHARGES FINANCE CHUM current billing period: 31 days Purchases $1680.35 0.06230% 22.744 V 22.74% $32.46 $0 Cash Advances $315.83 0.05751% 20.994 F 20.993 $5.63 $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 tail 1-800-DISCOVER (1-800-347-2683). New Balance Minimum Poymenf Due DISCOVER s2,785.6B $62.00 Payment Due Date August 9, 2006 10 SDSN6A01 0008123 ERNEST SOLIDER 2607 WALNUT BOTTOM RD CARLISLE PA 17015-9329 Account Number ending in 7733 Enter Amount Enclosed Below Please make check payuble to Discover Platinum Card or pay online Discovercard..:a Tired of buying stamps? Go mobile[ Make and schedule payments from your phone with the Discover app. R's fast and R's free. Download now at discaver.comJapps PO BOX 71084 111.1 111111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space I?r??llrrltrtl??lr??lrrlrlrrrllllr+rlrrlirlir?lnlrrltilr?rr?l above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892145109027856800100[}00006200 Discover Platinum Card Account Summary Closing Date: July 10, 2006 page 1 of 2 Account number ending in 7733 Previous Balance $2,202.02 Payment Due Date August 9, 2006 Payments And Credits 100.00 Minimum Payment Due $62.00 Purchases + 636.73 Credit limit $14,300.00 Cash Advances + 0.00 Credit Available $11,514.00 Balance Transfers + 0.00 'Cash Credit limit $7,300.00 Finance Charges + 46.93 'Cash Credit Available $7,012.00 New Balance a $2,785.68 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Cashback BonuSe Opening Cashback Bonus Balance $ 17.24 New Cashback Bonus This Period + 2.32 Cashback Bonus Balance $ 19.56 Cashback Bonus® Since Anniversary Month January: $8.21 Cashback Bonus(R) is America's #1 Cash Rewards Program[ Full 5%Cashback Bonus ion Get More purchases in popular categories throughout the yew and up to 1 % Cashback Bonus on all your other purchases. How Can We Hel You? 1 • Visit D scover eom to pay your bill for no cost, view your p latest Account information, earn and redeem rewards and more ;It's your choice - 3 wcrys to help 2. Call 1.800•DISCOVER (347-2683) for fast, easy selfaervice options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence D a ns, P a te Date Payments and Credits Jul 2 Jul 2 PAYMENT - THANK YOU $ .100.00 Merchandise/Retail Jun 20 Jun 20 WAt-MART SC - #5358 SHIPPENSBURG PA 107.73 Jun 21 Jun 21 LEMOYNE SLEEPER COMPAN CARLISLE PA 42,40 Jul 8 Jul 8 WAL-MART SC - #5358 SHIPPENSBURG PA 87.48 Restaurants Jun 19 Jun 19 WENDYS #0416 025 HARRISBURG PA 11.40 Gasoline Jun 16 Jun 16 AMOCO OIL 061 A2384 PLAINFIELD PA 24.00 Jun 19 Jun 19 GETTY 67639001 CARUSIE PA 70,00 Jun 24 Jun 24 GETTY 67639001 CARLISLE PA 38.00 !Warehouse Clubs Jul 6 Jul 6 BJ'S # 0252542625913 HARRISBURG PA 148.64 Home Improvement Jun 8 Jun 11 LOWE'S 1710 CARLISLE PA 2436 Jun 21 Jun 21 THE HOME DEPOT #4149 CARLISLE PA 82.72 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE RATE: 490%. Rate is subject to the terms of the offer including expiration. ,Sign up now and get 5% Cashback BonusJR) with the Get More p ram when you use your Discover(R) Card to buy fall essentials. Visit Discovercard.com or call 1-800-DISCOVER (1.800.Iram w803 Important Information. If fide is more flan one page to this b&V statement, see the beck of each page for addifional important information. cn 0 See your Cardma rAwAgreemenL Your Cardmember agreement contains all the terms of you Account. Z CID Lost or stolen cards. Report immediately] Call 1$0D.347-2683. n C? Billing Rfghts Summary. In Cam of E ors or Questions About Your Bill: if you Dunk your bit is wrong, or it you need more information aboid a transaction an your bill, write us on a _ o separate sheet of war at Discover, PO Box 30421, Saft Lake City, UT84130-0421, as soon as possible. We must hear Imm you no later that 60 days after we sent you the first bill m on wtidt the error or problem appeared. You can telephone us, but doing so *I not preserve your rights. In you loner, give us lhelolowing intan notion: N Your name and Account amber w The dollar ameWn of the atmpecied enar V Describe the error and explain, if you can, why you believe there is an am. If you need more information, describe the item you are unsure about You do not have to pay any amount in quesim while we are investigalirg. but you are still obligated to pay the parts of your bill that are not in question. Mule we investigate your question, we cannot report you as deter writ or take any action to collect the emotmt you question. Special Rak for Credit Card Purehasea If you have a problem with the quolity of goods or services that you purchased with a credit oars and you have tried in good flit to corned the problem With IN madhert, you may not have b pay the remaining amamt due on do goods or services. You have On protection only when the purchase price was more than $50 ad the pkideae was made in your hone state or within 100 miles of you mating address. (t we own or operate to merchant, or if we mated you the advertisement for the good or servioes, all the purchase ere covered regardless of the amount of location of the purchase.) Payments. Send only your payment and the top portion of the statement in the envelop provided. Do not send cash. By sending you dwA as described above. you anAhome us to use information on your deck to make and electronic fund transfer from your &c cow at the financial ndilutiat indiarted on your dteck or b process the payment as a check transaction. If to payment is processed as an electronic fund transfer, the bander will be for the anwknt of the check. When ws we nfonnation from your died to make at decionic fud tansfer, kirk maybe withdrawn kom you account ass" as the sane day we receive your payment, and you will notreceive your chair beds from yourfinencial institution. The proossurg of you payment maybe delayed dyou said cash, correspondence our other items wwRr you PgMerA, 1 you send do payment to any otheraddress or if you use an envelope other than to one pmvided. Payments received in prapar form at our proassig fsc6ty by 5PM locaallfne on any day Viii be assail b yam Account as of that day. Payments recowl of our processing "after 5PM toed time will be credited b yourAccamt as of the next ray If you have rampaced your erwebpe, send your payment to Disomm, PO Oft 6403. Cud Stream, IL 601978103. Pass allow 7-10 days tar delivery- t you payment is rationed unpaid, We Passive #0 *A to resubmit it IS an elecbwtic debt You con pay your minimum payment or a greater amount over the Wephooe, and you can ash up euunslic payments. Colt us at 18003472683. Yea wil need this saenena and your bank aooourR edamobam. You mud ensue fur sufficient! fads are available in you bank account, and at kamckons mat comply with U.S. tow You will be asked to provide to red s dais of you account statement ZIP oode. By entering those numbers as your eaeionk stgmaisa, you will be agredrg to this authorization to allow us and your bank b dedud each psymett you a*"& from your bank accent, and b inhNae debt or crest eniies to you bank account, as applicable. to corned am in the ptocessig of such psyme t. You must lei is to amamd dealt payment, or you can select an arrant such as Minimum Paymen Due or the Nov Beare an each statement You can cancel a payment. however we mint receive now at least time business days in advance of to scheduled payrneM. Your may n" to by phons a11.800.347,2683 or by mail at to addraa lskd in the previous paragraph. It your payments may vary in amount we wt tell you on each monthly sideman when your payment will be made and how much a will be. You AuWneic payment amount may be less ten to indicated on the monthly statement based on credits or payments appied rhafrg to biting cycle. Credit Reporting. We may report information about your account b credit bureaus. Late payments, mused payments, or outer de ouks on your account may be. reflected in you credi report. We normally report the serous and payment hsatory of yourAcco nt to as* reporting agencies each mach. t you believe t g am mpoitm buwram orincomplete, plow wine as at the idbivirg address: Discover, Po Box 15316. W4krirgton, DE 19850b316. Please include you same, address, hays leephone number and Account number. PERIOINC FINANCE CHAGM PenD* Finance Chergas are imposed on all kauscions from the date the transaction is posted to yourAcwnt until the date you pay your entire New Balance, by making psymems or receiving craft. Hveever, we wit provide the following 'pow period' If you paid the New Balance on your pervious bifing deferred by the Payment Due Date shown on that statement, and you pay the New Balance by to Payvrert Due Data on this maker" we will not Impose Pentodc Fintnce Charges on new Purchases, trans, pwcleses fist appearing on this statement Otherwise. you will receive a biting statement next month to includes Periodic Finance Charges on uwas new purchases. Thee is no grace period on balance transfers or cash advances. We sort you transactions nb groups of purchases, cub advances, and balance transfers and then further sod the transactions wadi, each group by (how Annual Percentage Rate. for exerrple purcham subject b a promouorul rate and purchases sd*l to sanded rote wouki be separate groups. We rotor to tress ss transaction categories. At tie end of each bung period. we hxnpute Periodic Finance Charges for each day of the bilIN perish for each transaction category. We toe to virg ewation to compute PertodC for each transaction caftocy. Averse Daily Balance x comber of days in to billing petod x Daily Periodic Rate. (Sou she finance drape summary on your slaartrentfor these ernouMs_) Than we add up to Periodic Finance Charges for each sanaaction category to get The total Periodic Finance Charges for your Account The average Daily Balance is shown as zero W. because of the grace period, no Periodic Finance Charges apply to the balance in a barsacton category. We use the Average Deily Bloke (including new tansoctass} meted of calculating the balance upon which we inpose Periodic Finance Charges. We mmpu is De Average Defy Balance for each trensauion category by adding up all ft d* balances in e bgig period fora transaction category and dvdtrg the bo al by the nester of days in the!>ang cycle. We compute this daily balance for each isnsaetim category on each day by first adding the blowing b to previous day's dry balance. Ramctiahs made that day, fees charged the day and Periodic Finance Charges accrued on that by. Ifa uansecton is posted to your Accouht afar to dose of the billing period in which it owns, we, will treat the transaction as haying occurred on to fret ray of the bilag period in which it is posted to yourAaxhunt. AN fees charged to your Accout are added to the standard purdtsa tronsecicn category with the exception of Cash Advance Trinamon Fee Finance Charges which am added to to Who" rah advance transaction category and Balance Transfer Tmsacem Fee France Charges which are added to the applicable brace transfer transaction category . When to special rave expims. we move the unpaid balance of the balance transfer and the Balance Traefer Transaction Fee Finance Chwpas b the standard purchase transaction category However, if the spend rate ties been terminated rnder the De" Rea Plan. we laws tie unpaid baktnce of the balance banter and the Balance Transfer Transaction Fee Finance Charges in On applicable transaction category until the apedd rate would have expired. For TOD (Telecommunication Device for the DeaQ assistance, call 1400.347-7444. Discover may monitor and/orreoad telephone cogs between you and Discover representatives for qud y assurance purposes The DlsoovePcard is issued by Discover Bank, Member FDIC. OITBN107: 1t PeYs to Ac ount number ending in 7733 DtSC?VER' DISC?V R' ERNE SUDER 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 6e helping yourself to 24 months of possword-protected, statement history, complete with merchant names, locations and zip codes. Go to Discovercom/paperless and sign up for Paperless Statements today. 02010 Discover Bank, Member FDIC ? a "RGRN.0810 Closing Date: July 10, 2006 page 2 of 2 Shop confidently. Your Discover(R) Cord has you covered with Complete Fraud Protection for your peace of mind. With our advanced fraud warnings, you'll know right away if arty suspicious activity occurs. And if someone makes fraudulent charges with your card, our $0 fraud liability guarantee means you're not responsible. Check out Shop Discover Card at Discovercard.com/shop for discount offers from your favorite online retailers. ............. ............. .............. Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daly Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE ces Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $2190.33 0.06299% 22.99% V 22.99% $41.38 $0 Cash Advances $321.41 0.05751% 20.99% F 20.99% $5.55 so The rates that apply to your Account are either fixed (F) or they may vary M as noted above. Questions? Manage your account at Discover.com or call 1.800-DISCOVER (1-800-347-2683). DISCOVER New Balance Minimum Payment Due Account Number ending in 7733 $3,180.87 $75.00 Enter Amount Enclosed Below Payment Due Date J $I September 9, 2006 - Please make check payable to Discover Platinum Card or pay online Discovercard,com. 10 SDSN6A01 0008124 ERNEST SOLIDER 2607 WALNUT BOTTOM RD CARLISLE PA 17015-9329 Address, e-mail or telephone change? Print change in space above, or go to Diacover.com. Print your e-mail address to receive important Account information and special offers. Tired of buying stamps? Go mobilel Make and schedule payments from your phone with the Discover app. Ire fast and ire free. Download now at discover.comlapps PO BOX 71084 11111111 CHARLOTTE NC 28272-1084 IIIIIIIIIIrIII III rlll+rlIII Rill llrrrlrrlrrlrrllrrlrrlrrlrlrrl1 000001986458892145109031808700100000007500 Discover Platinum Card Account Summary Closing Date: August 10, 2006 Account number ending in 7733 .Payment Due Date September 9, 2006 Minimum Payment Due $75.00 Credit limit $14,300.00 Credit Available $11,119.00 'Cash Credit Limit $7,300.00 'Cash Credit Available $7,012.00 page 1 of 2 Previous Balance $2,785.68 Payments And Credits 115.00 Purchases + 451.04 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 59.15 New Balance = $3,180.87 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bmuse Cashback Bonui;8 Since, Anniversary Month January: $10.69 CONGRATUTATIONSI Your Cashback Bonus(R) is waiting for you. Visit Dlscovercord.com or call 1-800-DISCOVER (1-800-347-2683) to get your share of America's #1 Cash Rewards Program. Opening Cashback Bonus Balance $ 19.56 New Cashback Bonus This Period + 2..48 Cashback Bonus Balance $ 22.04 How Can We Help You? 1 • Visit Di MM-Cam to pay your 16111 for no cost, viaw P latest Account information, earn and redeem rsvra and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347.2683) for fast, eayselkaervice 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 Sal} Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Date Date Payments and Credits Aug 3 Aug 3 PAYMENT - THANK YOU $ -100,00 Aug 8 Aug 9 WAL-MART SC - #5358 SHIPPENSBURG PA .15.00 Mendwndim/Retail Aug 6 Aug 6 CHARM SHPPES OUTLETS GETTYSBURG PA 33-.98- - Restaurants Jul 21 Jul 21 MIDDLESEX DINER CARLISLE PA 22.95 'Gasoline Jul 20 Jul 20 HESS 38252 CARLISLE PA 39.00 Jul 24 Jul 24 GETTY 67639001 CARLISLE PA 43.00 Jul 31 Jul 31 GEM 67639001 CARLISLE PA 81.00 Aug 1 Aug 1 GETTY 67639001 CARLISLE PA 75.00 Aug 7 Aug 7 GETTY 67639001 CARLISLE PA 52.00 Home Improvement Jul 18 Jul 18 THE HOME DEPOT #4149 CARLISLE PA 104.11 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.013429:; corresponding ANNUAL PERCENTAGE RATE: 4.90°/x. Rate is subject to the terms of the offer including expiration. gnportant idonnatim. If there is more ten ae.page to tee billing statement, see the beds of each page for additional important information. p See your Cardmember Agreement You Cadman ber agreement contains all the terms of your Acomnt, z Lost or atolen cards. Report anmediately4 Cal 1-8"7-2663. c Biting ROM Summary, in Case of Errors or Questions About Your Big: 9 you think your big is wrong, or if you need more information about a transaction on your bill, write us on a g' separate shestof paper of Discow, ,, PO Box 30421, Salt Lake City, UT 84130.0421, as soon as possible. We must hear from you no later than 60 days after we sera you the first big o on which the error or problem appemed. You c an leleptone us, but doing so will not preserve your right. In your letter, give us the forlowing information: • Your nerve aidAcoatd nurrder A • The dater ammrad of the sus Qected error • Describe the error aid explain, dyou can. why you believe there is an error. If you need more information, describe the item you are uns rs about. You do not have to pay arty amount in grstion while we are investigmi>A, tut you are all obligated to pay the parts of your b# *& we not in tlueston.While we iwestgate your question. we cannot report you as delinquent or take any action to collect the amount you question. Special Rate for Credit Card Purchases: If you have a problem with the quekty 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 tine rematka g amount due on the goods or services. You have this protection orily when the purchase price was more tun $59 and the pwchasairasmade, in you hens ante of vntlwt 199 rn7es at your madng address. (111 we own a operate the madtant, or i via mailed you the advaSisetmm?tta Lie good or seMoes, all the purchase are covered regardless of the amount or location of the purchase.) Paymahb. Send orgy your payment and the top porkm of the Moment in the envelop provided. Do rat send cesh. By sending your dock as described above, you autnrae us to use irdormegon on you deck to make and ebegonic Lund barisfe from you account at the financial m stilution cock sted on your dhedr or to process the payment as a check gmrssaim. the paymem *pocessed as an slecuumc fed tramter, the Vanster wit be fa the amount of the check. Wharwe use idorrnAm konh you deck io malts an ded om lied transfer. finds may be widdraan ken your amount as soon as the same day we receive your peymem, and you will not receive your dude back tom your financial institution. The proosssiMof your payment mrybedelayed 9 you sand cash, correspondence or other tams with your payrnew, If you send Via payment toeryr other address or f you use an . envelope other then the am provided. Payahamts received in proper foaw at our processing iaa'kFj by 5PM local firm on any day wilt be credited to vowAncount as 41 tist day. Payments received at our processing facility dw 5PM local ime will be credited to yo rAcmtnt as of the next day t you have mmpWW your awdVe, send you paymont io Discover. PO 0=60, Card Stream. IL 60197-6103. Please slow 7-10 days for delivery. K your payment is reamed unpaid, we reserve the right to resubmit it as an ahdronicdebhl. You co pay yo rrarinwan paynimita agroater emus over the telephone, and you can setup vAmaoc pey rents. Cell us at I-M3474883. You will as" We datemantard you be* acco rilfr kiara h. You muat ensue tint audident fiends are available n you bank account, and all 7ansec6om meat om*wA h U.S. low. You w7 be asked to provide to t95 digits ofycu aomurdslatennet ZIP code. By milOrng Lase numbers as y9ordeci mnio sigruhre, you will beagreig Oo this aulhor zeft b allow us and your track to deduct each paymentyou'eralhaize from your bank accent. and b inhale debit or credit entries toyourhank accent, asappicabk: to correct anon n de processing of such paymerhl You muNted us the ~ deadh payment, or you car select an amomt arch Min mhan Paymhnt Due or to New Balance on each statement. You can cancel a poyrnarK hoaew i e mud naive notice at least tine buanecs days in advance of the scheduled payment. You may nobly us by phoniest 1AW347 M orby mail at the address into previous paragraph. t?wn resindicalsel its may e an arnouril we will you on each mar" statemetwhenyorpaperitwibemade andlawmuchdvx7be. payments appYed dung the 0 iBngeyde. Crete Repor*% We mayrepont kdametian about you accoud to c m& bureaus. Late peyrne ile, missed paymmnls; or other defa lls on you amour may be reflected in your each report. Wenormally report l1he* tusandpaymenthidoryof your Acmwttodedtreporting agencies each rnadh9youbelieve thetour repptisirveccre*akoomplele, pkear: wafie its al the b6wiigaddress: Discover, PO Box 15316, Van ngan, DE 196545316. Please include you name, address, twmie telephone amber arid Account number. PERIMC FINANCE CHAGM Petiock Finance Changes are imposed on all transactions from the date the transaction is posted In yourAccrnad until the date you pay your aware NewBalawro,byee pyfrwdsorrecalrmgaedas.However,wewill promsfar frillowing'groos pwiocr tyoupaid theNewBalanceonyolrDeviousbgfrgistaimagby to paymentutis Date go" to that steterrend, and yes pay the Haw Balama by the paynnera fhra tlele onto statemadwewg nWimpoaaPa odic Faunoe Charges on nee purdum, that Is. purmheses frdappeaig on this steemierhl. Otherwise, you will receive a billing statement no month that includes Periodic France Charges on those new purchases. There is no grace peed on helm !attars or cash advances. We sat your transactions lido groups of purchases, cash advances, and balance 6ansfers and ten further well the transactions within each group bylhheirAnn el Peroenlega Rate. feeexapsprdhitasPAOdtoapiomcili nalrateendprchasessutleci tostandard rawwouldbeseperategroups. WePolar toiesegmapsasbarescEonalegones.Attu end of each lift period. we compute Periodic Finance Charges for each day of le billing period for each transaction category. We use Ire thb sing equation to compute Periodic foreadh tahsacidn category Average Daily Balance x rantne of days in tie bdig period x Deily Pmo& Rate. (See the knattoe dherge summary on you staternentfor these amquaa.) Then resadd up the Smock Finance Charges for each transaction cMWry to get tt fold Periodic finance Charges for yourACCOUnt The average Daily Balance is stom asz*q it beausyof the grace period, no Periodic Finance Charges apply to the balance in a trarsecton category. We use 6hsAveraga;D*ftla op jkhcudng new transactions) method of calculating the balance upon which we impose Periodic Finance Charges. We compute the Average Dally Balsnepfgaghh ... caapaybyaddrhgupalthedaffyhelanc?esm ahitirgperiod fare transectm4aleporyerddiuidngthetota?bytleraarnberofdeysinte.biigoyhde. UWarrplletlhs dallIlibelence for a" tarseaforr category an each dgby fistaddig the toiowi g to In previous days daily balance, tamadiors made that day, fora charged diat'clillf and Periodic fsmoe Chergee awned on that day, to transaction is posted to yuuAomuml aher the close of to Wig period in which komura: we will best the transaction as.hm4o aiiadanEreftstdoyoftebftperiodnw"kispostedtoyourAmount Al Leo ollnirgadUayetrAccaedate added fo the standard prdese bansec6rn ceftorywritr the exception of CmhAdvanoe Transaction Fee.Fnance Ctnarges which are added to teappi-- 8oalh aWvsab tensasion category rirW Balance Trrmfor Trenamon Fee Fnaae t3hatgss wdgdr madded w the appkable bdmae tatterteitedta category VA* traspmFlhi ltma itiptes,eerrrope the unpaid balance -of to balance transfer and the Balance Trattaler Trateclim Fee Finance Chews to the standard purchase transaction cafsgbJyef b.kvft r,liffill!.apstydnikhisbootemialedunder@eDefault RatePan,esIsmtheunpaidbe)e"atthebalance transfer wadNeBalmoeTtasfxTrahsac5m Fee FaincaChangee it llepppit?abb tensartiar category irh8 the special real would have expired ForTDD (f Dehrfce ffx the Dref)aashtmnce, ca81860347-7419. D(sCOVerlnay nyonitpratgiortrooofdtelephate calls tieMeen port and Disaow.t. tep?rdeNves For 4ua[yf asstXerce Wrposes Tbol3isaowreeeMs bs1!sd by Discover Bernie, MemberfD.IC. OlTBK107 DISCOVEK LE V4 It pays to ERNESTSOUDER DISCOVER Account number ending in 7733 Go green. Go paperless. Join the effort to save trees and clean up your mailbox, lust 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 Papedess Statements today. 02010 Discover Bank, Member FDIC mal PPRGRN.08t0 Closing Date: August 10, 2006 page 2 of 2 Save time and a stamp this month by paying your bill online at Discovercard.com. Make a one-time payment or schedule payments in advance up to your due dote, whenever it's most convenient for you. To find out about our free and flexible online payment features, visit Discovercard.com/payments Discover Financial Services is once again proud to support the Juvenile Diabetes Research Foundation's Walk to Cure Diabetes. Help us raise even more money to fund research for a cure by participating in the Walk or donating your Cashback Bonus(R) to JDRF. A cure is within reach. To loam more, visit Discovercard.com or www.idrf.org Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $2673.04 0.06299% 22.99% V 22.99% $52.20 $0 Cash Advances $327.64 0.06847% 24.99% V 24.99% $6.95 $0 The rates that apply to your Account are either fixed (F) or they may vary fV) as noted above. Questions? Manage your account at Discover.com or call 1-800-DISCOVER )1-800.347-2683). New Balance Minimum Payment Due Account Number ending in 7733 D1SCOVEK $3,961.30 $86.00 Enter Amount Enclosed Below Payment Due Date $ October 9, 2006 Please make check payyable to Discover Platinum Card or pay online DI. .rcard.com. 10 SDSN6A010008125 ERNEST SOUDER 2607 WALNUT BOTTOM RD CARLISLE PA 17015-9329 Tired of buying stamps? Go mobilel Make and schedule payments from your phone with the Discover app. Ifs fast and its free. Download now at discover.com/apps PO BOX 71084 111111111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space Irrlrllrilrrrlrllrrrli??nlnrrllllrrrlir?irlrrllrrlrrlrr?rlrrll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892145109039613000100000008600 Discover Platinum Card Account Summary Closing Date: September 10, 2006 page 1 of 2 ;Account number ending in 7733 Previous Balance $3,180.87 'Payment Due Date October 9, 2006 Payments And Credits - 100.00 ;Minimum Payment Due $86.00 Purchases + 502.68 ;Credit Limit $14,300.00 Cash Advances + 298.00 ;Credit Available $10,338.00 Balance Transfers + 0.00 .Cash Credo Limit $7,300.00 Finance Charges + 79.75 'Cash Credit Available $6,714.00 New Balance $3,961.30 You may be able to avoid Periodic Finance Charges, we the reverse side for details. Cashbock Bonuse Opening Cashbock Bonus Balance $ 22.04 New Cashbock Bonus This Period ± 5.03 ;Cashback Bonus@ Since Anniversary Month January: $15.72 !CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discovercard.com or call 1.800-DISCOVER (1.800.347-2683) to get your share of ;America's #1 Cash Rewards Program. Cashback Bonus Balance 27.07 How Can We Help YOU? 1. Visit Disaever.com to pay your bill 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 1.800AISCOVER (347.2683) for fast, easy sslfaervice ;Please hove your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, ;For TDD (assistance for hearing impaired) see reverse side Sah Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Date Date Payments and Credits Sep 1 Sep 1 PAYMENT - THANK YOU $ -100.00 Gasoline Aug 16 Aug 16 GETTY 67639001 CARLISLE PA 78.00 Automotive Aug 16 Aug 16 CEDAR GROVE FARM STORE SHIPPENSBURG PA 69.41 Cash Advances Aug 28 Aug 28 CASH ADVANCE CHECK #3966 298,00 Aug 28 Aug 28 CASH ADVANCE TRANS FEE FINANCE CHARGE 8.94 Home Improvement Aug 21 Aug 21 KEITHS FARM AND DAIRY NEWVILLE PA 84.78 Aug 24 Aug 24 TRACTOR-SUPPLY-CO #0264 CARLISLE PA 96.20 Sep 6 Sep 6 THE HOME DEPOT #4149 CARLISLE PA 174.29 Information For You The address provided in your Cardmember Agreement to request a beneficiary' designation form For your Scheduled Air Travel Accident Insurance has changed. The new address is AIG Accident & Health Division, 300 South Riverside Plaza Suite 2100, Chicago, Illinois 60606.6613. Gel 6% Cashbock Bonu3jR) from October to December at restaurants, movies theaters and rental stares; and on books, music and everything else at AMAZON.COM, Barnes & Noble, Borders(R), Circuit City, Crutchfield(R), Napster(R) and Woldenbooks(R). Sign up for this Get More program at Discovercard.com or 1-800-DISCOVER (1-800.347-2683). 6nporM Irdwmatim. If here s mote ttn one page to Us bft statement, weft 6aae'of each page foraddpiatal.imporleM inlamabn. See yaw Cardmemba Agreement You Cerdmember agreement contains afl the terms of your Account. Lost or stolen cards. Report nnwdiatelyl Cat 1-80Q347.2663. sift Right Summary( In Case of Eam or QuestionsAbout Yaw Bit: If you ft* your bm is wrong. or t you need more information abWA a transaction on your big, write us ah a separate sheet of paper M Discover, PO Box 30421. Salt Lake City. UF84130-0421, as soon as po4sble. We must hear from you n oislortlren 60 days after we sent you the knsl bit on which team or problem appeared. You m leleptane us, but doing sow! not preserve you rights. In your lefts, give us the Wowing inkxmetion: • Yo r name andAccaaht nuNwr The dollar amount oi #is suspected error Describe the error and explain, If you can. why you believe there is an error. If you need more Wormabo n, describe the item yar are unsure about You do not have to pay any amountn question while we are nyeggafng, but you are sd Obtigned to pay the parts of your bHI that are notin question. While weimesligat your guest, wit carvd report you as delinquent or lore any action to collect the arnout you queston- Speclet Roe for Credit Card Pwchaaes: If you have a problem with ere quefityal goods or services that you purchased with a credit card and you have tried in good faith to tarred the problem With the Verdant you may not have to pay the remaining trout due on the goals or services. You have ft protstion sty when the purchase price was more turn $50 end the purchase was made in your home state or whin 100 mites of your maiafp address. (It we an or operate the merchant or it we mailed you the advertisement for the good or servioes, all the pdrdhmarecovered regardless of the amount or location of the purchase.) Paymarb. Send aiyyour Peyfront and the top portion of the statement in the envelop provided. Do not send ash. By sending your deck as described above, you autwrize us to hueikunatononyour checktomake and electronic fund Yaishr.from your Aocatrdatthefnenaal.nA*nkhdoatadonyour dieckorMprocess theparrottesacheck transaction. Be parnsint is processed as an el lund fir, the Danner wil be for the.amount of the dheck. When we use intonation from you dtedi to mote an akcanni elodronic lead afar, hfunds, My be wtidrawn you so wu t as soon as the same day we receive yaw payment, and you will not reoefve you dwdc back tom your financial The pxonxsaimp ayour Payment maybe delayed if you sand ash, Correspondence orot er Gems with yourpayment, if you sad the payment to any ether address or t you use an onvefope other trap tonne ptovsded. Payments received in properfam a lour procesug faalty by SPM local time on any day will be aediled to your Account as of tral day.. Payrnsnle rewired at our processing fadAy after SPM kcal rose wit be credited to yowAomunt as of to next day. a you have rmsplaced your envelope, send you payment to Disoova, PO Boot 6103, Card Stream, IL 60197-6103. Piesae slaw 7-10 days for delivery. If you payment is retuned unpaid, we restive the tight o resubmitA as an electioric debit You an pay your minimum payment ora greater amount over the telephone, and you an set up wbmak Payments. Cap us art 4"72683. You rut need Sts Molement end your bank accent ihlomalon. You mud autism that sufficient futds are oval" in youbaNr aoeant and all Uenssclim nr sf aoe*witt U.S, law. You will be OW to provide to beta digits of you ecauistatement ZIP code. By entering Vase numbers as)mr dadmilic sigtatua, you roll be agreeing b this autanvekn lo slow us and you lank to deduct each payment you auttaite from your bank amaat, and b nbetedebt or credit entries to your bmtc aacarK as applicable. to cared ma in to processing of such payment You mad tall in to amount d each payment, or you can sated an mount such as Minimum Payment Due or On New Balance an each staternentYau can cancel e payment, however vie must naive m*ce at feast tree business days in advance of to scheduled payment. You may notfy us by plow at 1-000-3474883 or by mail at the aldess kled in l be previous paapraph. t your payments my vary in amount we will pet you on each no" statement when your payment will be made and how much it val be. Your Aulonatic payment amount may be sass than the indicated on the monthly statement based oft credits or paymaes applied dung the Uh g cycle. Credit Repili t. We may report irkmahom about.yor account to aedt bureaus. Late payments, missed paymeds. or OdW defetils On you acooUnt may be reflected in you aedl report. We namaty repel the status and payment history of yowArmtnt to as& reporting agwoes each month. If you believe that our report is insw rates noomplels, please wrfte us at the following address: Dbeover, PO Box 15316. Wikaimgton. DE 198506316. Please Muds your name, address, horror telephone number andAccount comber. PERIODIC FRIMCE CHAGES. Periodic Frame Charges are imposed on at boruaetio s from the date to transaction's pasted M your Amount wilt the doe you pay your smile New Balance, by mekig paymanla or receiving credits. However. we will provide taw flowing 'grace period' If you paid the Now Balance on your pervious billing statement by the Payment Due Dew shown on ifiat datmneK and you pay taw New BaMra by Ire Payrrot Due Dale on tits spawn t wevvil rd impose Periodic Finance Charges on new pisdases, that is, purchases; 6stappeaig on On statement. Oh mm", you wit ream a billing statement yard rnomh that includes Periodic Finance.Ctstges an those new purchases. There is no grace period on balance transfers or ash advances. We cart you bit asoctiora kto tempo of purdeses, ash advances, sld balance a9 Wars and ten furtlwr sort the Uansactions within each group by tevAnnud Percentage Rate. For example, purchases subject to a praratiahel rat and purahasessubled to standad rate woufd be sepaale groups. We rotor to these groups as traaoclior categories. At the and leach brig period, we eampule Paiodc France Charges breach day of taw ling period for each imrnactiat alegory. We use the followig equatah to compute Periodic for each transaction caagory. Average Daly Balance x rumba of days in the billing period x Daly Penoge Raw. (See the Anne large summary on you statement for these smuts.) Than we add up On Periodic Finance Charges for each transaction category to get the Mal Periodic Finance Charges for your Amour The avenge Daily Nance is shown as zero t, because of rte grace period, no Periodic Finance Charges apply b the balance in a 8ansectim category. We use fhe Average Daily Balance (inokrting new Uaraactioris) meted of cdcuM6ng the balance upon which we impose Pedantic Finance Charges. We compute the Average Daly Selartabr each Uaaeohon ode" by adding tap at the daily boences in a birthg period for a transaction colegory and dnidi g the total by to reenter of days in thebiting cycle. We compute to daiybatatoa for each transaction adegory on each day by prat sddwg tie tclowig to to previous days daily balance, Named= made that day, fees daged today and Paiodw Finance Charges accrued on dal day, Us transaction is posted b yvrAccount after taw case oftaw bipug period in which t ooxrs, we cal treat the transaction as having occurred on the Sat day ofthe IiBrg period n vdich Nis posted to yourAomunt. Al loss charged to yourAccount we added to the standard purchase trasadion category will go excepion of Cash Advance Transition Fee Finance Charges which are added to the apple" cash advance tanaactim category and Balance Transfer Transacam Fee Finance Charges which am added to the applicable balance Uansfertrensection Category What the special rain expires, we move the unpaid balance of rice balance transfer and the Balance Trasbr Ttaaacion Fee Finance C:hages to the atahdad purchase transaction caegay. However, if to aPeciel role has been le misled under the Default Rate Plan, we leave the unpaid balance of tlw balance transfer slid the Balance Transkr Tnreecion Fee Finance Charges in the applicable kansaagn category until she special rate would have expired. For TOD (Teleeomrtwnicatoris Device for the Deaf) assbumcs, cat 1 347-7149. Discover may rands andla record lelophone Cab between you and Dsmver representatives for quality assraance purposes The Disco a card is issued by Discover Brunk, Member FDIC. OITBK107. DISCOVER It pays to ERNEST DER DISCOVER Account unt number ending in 7733 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-proleded, statement k history, complete with merchant names, locations and zip codes. Go to Discovercom/paperl+ess and sign up for Paperless Statements today. 02010 Discover Bonk, Member FDIC PPRGRN.0810 dosing Date: September 10, 2006 page 2 of 2 Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE RATE: 4.90%. Rate is subjed to the terms of the offer including expiration. Shop confidently. Your Discover(R) Card has you covered with Complete Fraud Protection for your peace of mind. With our advanced fraud warnings, we'll call you right away if there's unusual activity on your account. And it someone makes fraudulent charges with your card, our $0 fraud liability guarantee means you're not responsible. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL F Fee Daily Periodic PERCENTAGE PERCENTAGE INANCE FINANCE Balances Rates RATES RATES CHARGES current billing period: 31 days Purchases $3111.08 0.06299% 22.99% V 22.99% $60.75 $0 Cash Advances $473.90 0.06847% 24.99% V 48.11% $10.06 $8.94 The rates that apply to your Account are either fixed M or they may vary M as noted above. QUeStiOnS? Manage your account at Discover.com or call 1-800-DISCOVER 1-800-347-2683). New Balance Minimum Payment Due Account Number ending in 7733 DISCOVER $4,295.78 $97.00 Enter Amount Enclosed Below Payment Due Date November 9, 2006 Please make check payable to Discover Platinum Card or pay online o Dimovercard.com. 10 SDSN6A010008126 ERNEST SOLIDER 2607 WALNUT BOTTOM RD CARLISLE PA 17015-9329 Tired of buying stamps? Go mobilel Make and schedule payments from your phone with the Discover app. Its fast and Its free. Download now at discoveroom/apps PO BOX 71084 Ill,rrllrrrrrrllllr?rlrlrr CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space )??)??'??)???)u))nrr?nr)n)nun))?)nnn)nn?nn?rr??iulirlir?r?ni)) above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892145109042957800100000009700 Discover Platinum Card Account Summary Closing Date: October 10, 2006 page 1 of 2 Account number ending in 7733 Previous Balance $3,961.30 Payment Due Date November 9, 2006 Payments And Credits - 100.00 Minimum Payment Due $97.00 Purchases + 353.08 Credit Limit $14,300.00 Cash Advances + 0.00 'Credit Available $10,004.00 Balance Transfers + 0.00 Cash Credit Limit $7,300.00 Finance Charges + 81.40 Cash Credit Available $6,714.00 New Balance $4,295.78 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashba& Bonuse Opening Cashback Bonus Balance $ 27.07 New Cashback Bonus This Period + 2.69 Cashbaclc Bonus Balance $ 29.76 Cashback..Bonus®Since Anniversary Month ...... ..__ .... ....................... _....._.. _ January: $18.41 CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discovercard.com or call 1-800-DISCOVER (1.800-347-2683) to get your share of America's #1 Cash Rewards Program. How Can We Help You? p 1 • Visit Dfscavwxarn to pay your bill for no cost, view your latest Account information, earn and redeem reward+ and more It's your choice - 3 ways to help 2. Call 1.8004XSCOVER (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 impoired) see reverse side Sals Lake City, UT 84130 .Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. T ans. Post r Payments and Credits Oct 2 Oct 2 PAYMENT - THANK YOU $ -100.00 Restaurants Sep 15 Sep 15 LITTLE ITALY ASPERS PA 17.70 Gasoline Sep 12 . Sep 12 GETTY 67639001 CARLISLE PA - 72.00 - - Sep 18 Sep 18 GETTY 67639001 CARLISLE PA 70.00 Warehouse Clu6s Sep 17 Sep 17 BYS # 0252542625913 HARRISBURG PA 111.59 Home Improvement Sep 17 Sep 17 LOWE'S 1710 CARLISLE PA 34.19 Sep 25 Sep 25 THE HOME DEPOT #4149 CARLISLE PA 47.60 ;Information For You The address provided in your Cordmember Agreement to request a beneficiary designation form for your Scheduled Air Travel Accident Insurance has changed. The new address is AIG Accident & Health Division, 300 South Riverside Plaza, Suite 2100, Chicago, Illinois 60606-6613. Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE RATE: 4.90%. Rate is subject to the terms of the offer including expiration. Manage your account your way - whether you prefer to speak with a live person or manage things an your own, Discoverilt) Card has the right account management options for you. Call 1-8004DISCOVER (1-800.347.2683) or visit Discovercard.com Important kd«maticii. l there is more than one page to this bilig statement, see the beck of each page for additional important mfametan. See your Cardmemher Agreement. Your Cardmember agreement contains all the terns of your Aocount. Lost or stolen cards. Report immediately! Cali 1.800-341-2663. Uri g Rights Summary. In Case of Errors or Quesrnns About Your Sit: if you think your bill a wtotg, or d you need more informationahout a tamaclon an your bill, wits us one separate sheet of paper at Discover, PO Box 30421, Salt Lake City, UT 841 "21, as soon as possible. We must hear from you no later than 60 days after we am you the first bill on which the erwor problem appeared. You can tekptane us, but doing so will not preserve your nom In your letter, give us the folomV information: Your name and Account number The dollar amount of the suspected error Describe the error and explain, I you can, why you believe there is an error if you need more inlamalion, describe the tun you are unsure about. You do not have to pay any amourAin question white we era investigating, but you are still obligated to pay the parts of you bill that are not in question. While we investigate your vretamrvotnepodyou as detrpuenta take ahyr actionlo CdIeU the amountyou question. quiamon Special Rate for Credit Card Purchases: If you have a problem with the gmhtyd goods or services that you purchased wilt a crest card and you he* tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amoum cue on be goods of services. You have iris protection only when the purchase pace was more than $50 and the purchasewas made in your home state or within 100 miles of your nuft address. (t we own or operate tta madtant, or t we mailed you ire advefisament for the good or services, all the purchase are omwed regardless of the amount or location of the purchase.) PM%ests. Send only your payment and the top portion of the statement in the envelop govided. Do rat send cash. By sending your desk as described above, you ethane us to use irdonnalon an yourdudc to make and electronic find transfer kom you account at the financial institution indicated on yew dhedd'or to process the Parma as a d" Misetfiion. If the psymam is processed as an electronic fiord transfer, fie trarofer will be for ire arrant of the chedcWhen we use iniennetonfrom your d" to make an eiadronie kind transfer, kinds may be withdrawn firm your eocaud as soon as the same day we receive your payment, and you will riot receive tar duedtback Ian your frwrial ihsUti*n The processing oiyowpayment maybe-delayed ifyousend 'ash,corespondenceor other terrawithyour payment 9yousend thepary mtrranyotheraddressorifyouusean envelope olm then the one provided. Payments received in proper form at out processing faddy by 5PM local teas on any day will be credited to year Account as of tot day. Peynares received at our processing facility after SPM local have will be credited a you Account as d the next day. If you have misplaced your envelope, send your payment to Deaver, PO Burr 6103, Card Skeam, IL 60197-6101 Please alloy 7-10 days for del very t your payment is returned unpaid, we reserve the right to resubmit it as an dectrowdek You can pay your minimum payment or a greater amour over the teleptane, and you can set ugh suaomaic payments. Cal us at 14"726M. You will reed this statement and your bank accent ehbmhekan. You roust erasure let sid5 I finds are available in your bank await, and ail transactions must amply with U.S. law. You will be asked to provide the kratficko dyou ecaudataavhhent ZIP coda. By erteling those numbers as yourdeCOronic signature, you will be agreeing to this authorization to allow us and your trend to decld each pusyrrnmt YOU autarize from your bank amount, and to i basi4obll or Prod entries byour bank account, as applicable, to cared error in de processing of such pe)srtaruC You rust tell us the smarts death paynharuL or you can select an amount such as Mnimun Payment Due or the New Belance on each statement, You can cancel a permit, however we must receive noboe at least three Nuess days m advance of the scheduled payment. You may nobly us by plane at 1.80D-347-2683 or by mail at the address piled in the previous paragraph. If your peymeits may vary in amount we will tell your on each monthly statement when your payment will be made aid haw much it will be. Your Automatic payment amount may be less than the Vd=W an the monthly statement based on weft or paymerds applied Ming Do hitting cycle Credit Reportng. We may report inforrra m about youraccoum to urecktbureaus Late payments, missed payments, or other dataulls on your account maybe reflected in your credit report. WB normally report the saws and payment hislay of your Account to =0 repor" agencies each month if you believe that our report is ascaaala or moompele, plemw dle us at the following address: Disc", PO Box 153f6, Wilmington, DE 19tf50.5316. Please include your name, address, hone telephone number and Account member. PERIODIC FINANCE CHAGES. Periodic Finance Charges are imposed on all transactions from the date the transaction is polled to your Account until the date you pay your afire Now Balance, by makhng peymenls or receiving credits. However, we will provide the k" 'grace period' l you paid the New Balance on your Pervious billing stwemwrd by the Paymem Due Date shown on that statement, and you pay the New Balsite by hue Payment Due Dote on !Iris setemeat we will not impose Periods Finance Charges on new purchases, that is, purchases fret appearing on his Asaim M Otherwise, you will receive a bkahg stasemera neat month that ialudes Periodic Faience Charges on those new purchases .I here is no grace period on balance ba steers or cash advaraes. We sort your Inensacsorm into, groups of purchases, cash advances, and balance banners and than further sal the transactions within each group by thek Annual Percentage Rate. Fa ehalilple purchases subject to a promotional rate and purchases u*d to standard rate would be separate groups. We refer to these groups as harisackam categmes. At the and leach biling period, We angxAe Peruke Finance Charges for each day of the tiling period lor each transaction category. We use the fallowing equation to compute Periodic for each transaction category. Average Daily Belmhce x rumba of days in the hitting peiod x Deily Periodc Role. (See the hence charge summary on your segment for Leese amounts) Tim -weadd up the Periodic Finance Charges for each transaction category to get the total periodic Fiance Charges for your Account. The average Daily Balwm is sheen as zero A. because d the grace period, no Perocc Finance Charges apply to the balance in a liaimction miatiory. We use the Awarage Daly Balance (ndudng new transactions) method of calmlathg!he balance upon which we impose Periodic Finance Charges. We oompue tleAverage Daily Below for each transaction c ry by adding up el tea daily begnces in a brill g period for a ba section category and dividing to hotel by the number d days it the billing cycle. We catguts the daily balance for each bansedia category on each day by first adding the following to to previous dayls daily beimKe, bmsactias made that day, few charged that day and Periodic France C MW serried on that hay l a transaction is posted to your Account after the dose of the biting period in which itoccurs, we will treat the transaction as having occurred on the first day of the hitting period in which it is posted to your Account. Ali ees charged eyarAccount are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee France Charges which are added to the applicable cash advancebmsadon wlegory and Balance Transfer Transaction Fee harbor Charges which are added to the applicable balance transfer transaction category. When the special rate expires, we move the unpaid balance of ft balance loaner aryl the Balance Trouser Transaction Fee Fi m m Charges to lie standard purchase transaction coMM. However if the, special tale has been terminated under the Default Rate Plen, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee I'mance Charges in fee app4cable transaction category until the special rag would have expired For MD (Telecommunications Device for the Deaf) assistance, ca 0 Q-800347.7449. Discover may monitor aMforrecord telephone calls between you and Discover repfasentatives for quality assuehce purposes The Dkovere card is issued by Disoover Bank, ?Aember FDIC. OITBK107 DISCOVER It pays to ERNEST SOLIDER DISCOVER Account number ending in 7733 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 Oiscaver Bank, Men"( RAC s PPRGRK0810 Closing Date: October 10, 2006 page 2 of 2 Discovercard.com provides you with the easiest online self-service options that put you in control of your account. Make a payment today or schedule one in advance. Sign up for timely e-mail reminders to help you avoid fees. Easy account management is just a click away! Register or log in to Discovercard.com/registermyoccount Hey, Juniorsl We are searching for outstanding high school juniors to apply for the Discover(R) Card Tribute Aword(R) Scholarship Program. Scholarships will be awarded to high school juniors who have excelled beyond academics. To find out more, visit our website at www.Discovercard.com/tribute Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Dally Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $3596.13 0.06299% 22.99% V 22.99% $67.95 $0 Cash Advances $654.72 0.06847% 24.99% V 24.99% $13.45 $0 The rates that apply to your Account ore either fixed (F) or they may vary (V) as noted above. Questions? Manage your account at Discover.com or call 1-800-DISCOVER (1-800-347-2683). New Balance Minimum Payment Due Account Number ending in 7733 DISCOVER $5,022.86 $111,00 Enter Amount Enclosed Below Payment Due Date $ December 9, 2006 Please make check payable to Discover Platinum Card or pay online 0 Discovercard.com. f0 SDSN6A01 0008127 ERNEST SOURER 2607 WALNUT BOTTOM RD CARLISLE PA 17015-9329 Tired of buying stamps? Go mobile) Make and schedullee payments from your phone with the Discover app it's fast end irs free. Download now at discover.com/apps PO BOX 71084 Ill tisllunullllurlslnl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change$ Print change in space Iirl?lltrlrrrlrlltrillrillrliir?ll?rrrlrrlrrlrrllrrlrrlrrlilrrll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892145109050228600150000011100 Discover Platinum Card Account Summary Closing Date: November 10, 2006 page 1 of 2 Account number ending in 7733 Previous Balance $4,295.78 ;Payment Due Date December 9, 2006 Payments And Credits 170.00 ,Minimum Payment Due $111.00 Purchases + 801.73 ;Credit limit $14,300.00 Cash Advances + 0.00 Credit Available $9,277.00 Balance Transfers + 0.00 Cash Credit Limit $7,300.00 Finance Charges + 95.35 Cash Credit Available $6,714.00 New Balance = 5,022.86 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashbock Bonus Balance $ 29.76 New Cashback Bonus This Period + 7.32 Redeemed This Period 20,00 iCashbock BonusO Since Anniversary Month Cashback Bonus Balance ..17.08 January: $25.73 Coshback Bonus(R) is America's #1 Cash :Rewards Program! Full 5% Coshback Bonus on Get More purchases in popular categories throughout the year and up to 1 % Cashback .Bonus on all your other purchases. !How Can We Help You? I • Visit Discover com to fay your bill for no co*, view your P 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 Please have your Discover Card available, options or to speak with a Customer Service Aacount 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 Data Date Payments and Credits Nov 3 Nov 3 PAYMENT - THANK YOU $ .150.00 Award and Rebate Credits Oct 23 Oct 23 REWARD REDEMPTION CREDIT .20.00 Gasdine Oct 12 Oct 12 HESS 38252 CARLISLE PA - 67.00 Oct 16 Oct 16 GETTY 67639001 CARLISLE PA 42.00 Oct 31 Oct 31 GETTY 67639001 CARLISLE PA 71.00 Services Oct 16 Oct 16 PAYPAL'EDAMEBAY 402 935 7733 CA 199.98 Warehouse Clubs Oct 9 Oct I 1 BPS # 0252542625913 HARRISBURG PA 94.21 .Hone Improvement Oct 28 Oct 28 THE HOME DEPOT #4149 CARLISLE PA 327.54 Information For You Balance Transfer offer for current billing period: Daily Periodic Rote: 0.01342%; corresponding ANNUAL PERCENTAGE RATE: 4.90%. Rate is subject to the terms of the offer including expiration. Important Information. if there is more than are page to This btirg statement, seethe back death page for adfito W important irdormalim. See your Cardmember Agreement. Your Cardmemberagreement contains at the to= of you Aocount. Lost or stolen code. Report irnmedialelyl Cal 1 347.2683. Billing Rights Summary. in Cosaot Errors or Ouestiahs About You Big: If you teak you bill is wag, or if you need more kdormation about a transaction on you bill, write is on a separate shedd pow al Discover, PO Box 30421, Set Lake City, UT 84130.0421, as soon as possible. We must hear from you no later then 60 days after we sent you the first bill on which lheswor prabfem.appeared. You can telephone us, but doing so will not preserve you dght& In your left, give us the following Wormatan: • Yarrneme aMAmara raaribr . The dollar amoud of the suspected error Desgbe On, 01117 and explain, if you can, why you baieve there is an error. If you need more information, describe the item you are unsure abort. You do not have to pay wq amount in question while eve are investigating, but you are all obligated to pay the parts of your nil the are not in question. Me we investigate your question. we aahd report you as deCunued or We any actoe to coned the amoudYou Wesiah Special Rafe for Credit Card Purchases: If you have a problem with the quality of goods or services Mil you purchased with a credit card and you have tried in good foal to eomw the problemwih Ibe mrdhent, you may not have to pay the remaining amount due on the goods or services. You have tills protection only when the purchase price wee more than SW and the purdrase vau made m you home state or will* 100 miss of your mailing address. ill we own or operate the merchant, or if we mailed! you to adverbeement for the good or services, 49 the pordhese ate covered regardless of the 8mount or location of the purchase.) Payments. Send only your paymentand The lop portion of the stafemat in the envelop provided. Do not send cash By sending your check as described above, you ahrlborize us muse, irt(4neolimonymchick to:mekeandelectronicturdtransfer from your accentatthefinancial institutionmdmWonyour check c«to process theMaw as a ched; transac4m..1 to payinvotisprocessed as an OW40 hint find bemire, to tranalatYALe for the &WAd the dhedi.Whenwe use sdarnabon from your crodi to matte an degWs: Nerd Va wW, 4*msy be**Wrwm tan youraotou t as soon as the same day we receive yourpayment, and you W rat roo" your check back tram yo rluhanciol ihstbNon. The processig:of porn pay-ent maybe delayed if You sand cash; crretpordehoe orother item vA your paymart, cyan send Impayment to any other address or if you use an envelope dha g m to.am provided. Peymahts moeived o proper form at ar prooessmp testily by 5PM ImW time m arhy day wail be aedled ioyo rAo=W as d1W day. Payments IsosW at arpnroessog,fociilly aWSPM local time will be credited to yo rAcmuht as oltne nextdey. I you have mhpleoed your envelops, sad yore payment to Discover; PO Bat 8103, Gard Sieam; IL 601976103. Base allow 7-10 days W delivery. tyor payment is rebored unpaid, we reserve the *t to resubmit it as an etectraticde(>il You an pay-your rnlrerean payrrheMgr a Waster amount over ft telephone, and you can set up amwrhalc papne ts. Callus at 1.800,9472683. You will need this relrnaa and yaurbettr:aoooM iakrrnaticrn: Yarlurleraurethat anSiaenl frrhds am available m your bank amuht ad at tauedoor must complyw1 h U.S. law. You wit beaded to provide tieUr>15? aiyw aooh>set?rtles?l.2?mde. fyy eNenihpttmae nrh?6ns as y?ttetaaa?tc.si?halurl, You witbe egreaing b tors autgrdalbrh to stow hq and yoabenkto dednctaedl payrrterkyqu'su)ra?e Ua!ryout bank exarsnt and b ?ale.daba or croft «hntea b.ynr bmdt aoeartl, ea eppicabls: toaorrecf error in'tne pracaainhg dsuch payment:lloumueiteRustteantoukofeechpaymarl,ayouceuhsekdatanwntaudiesMilarumPaynrheMOuealheNhiwBalarrceoneedrateAanahGYauaehlcatada pttynletht. fawrverwe nab reoelve nrrae atleesl tlues thusneas days in advance d the sdhedlad payment. You may molly ua by phahea11?80D-347?i «Iy oral et the address ielad inlhe psubus PAI?ePbgY?nrPaY ?Y va!Y n amaahi we wit let your an anon mahtllyatatslrtstd wfhen porn paylnemt wB be mantis and how rrahdh a wS be. YaxAnldtmatcyiyinenbariarfmaybe teas tlienthe indoafe0 onthe montnlyststemrht based ah.aeda+apayments aPDiedduring the bhtixhg ?. CtedRRSpgtlng War ilaylepdttfaaahatdh abaR.your accgsY b eredlbaeaus. Late peynhras, missed paiyrtherds or other deloft on your aooouM may be reflected n your aed4repott 11Ys ihofarrhtyi.typal tu:atsam paymard history of yourAmount to credit reparo gagertoes each month, t yar believe thal our repatfs irhetauem ar sta. pleeee wi pe alti6faAtiaang adnieae Discgyer, PO Box 15316, Nrhknmgmrh, DE 1gH50 5316. Please ipide gar rmrthe address, bane tetephate num6et end Acooura nuriber. PElil0U1G.?11tAtll;E CffArES; t?etitlQic Finance tXherges are.inposed on at transactions from itha.dete line transec8om is'postsd p yaurAocouhht tmlil the aats.yaa pay yohr entire f0ewi3eleppe bl141d4nIIR cr r@Cesnrg seats..However. we w? pqude the tataving'yace paiod" Sf ya paid lheNew Balencs:on Your PaNatsb?ng snl4Y line Payment Dnte"Oa1e_alpwn on ttM ststement end Yon Day ? ?' Balance by.tre Payment Dos t? on tins ateoemed ww writ naf impure Periodic Finance Charges on new ptsrhaeea, ttsl is. prrctrees trstappsarig on tors ateternhenf. Otfherw4se, you wit receive a biting statement rhrd nhahth that mckndes Perodo Fnance.CFmyas an those chew phrcheses.,There.is rograoe.priod ah balarnoe frerhekrs acash edvahoes. Wa satypurbarda h ions into groups of purchases, cash advaoes, and balance trawlers and then f rtirsart the treasedions within each group by dwAwwW Percentage Rate, Faeiunaplspu etlbjectoapraiiobondrateandpurdnesessu?jectbsterrdrdratewoddbe ale groups. We refer to tusegratpsastransaction categoes.Atthe end dealtbingtpesed se aoihpu a Rabdc Fwwwe Charges for each day of 6e billing period forac each transaction atsgay. We use hie lotowirg egwlfoft to compute Periodic for each irarnsactori cala'g. verage D*Baance x mhmbr of days in the big period x Daly Periodic Rata. (See the finance charge stuanatyon your statement fatrese aninmts:) Thrhwsyaddvp the. Periodic FmomChrger For each transaction cob" to get the tidal Perhodo France Charges for youAccotnt The averagel)aily Balance is shownas polo lf becien4 d the grace poiod, no Perio&fins toe Clayey apply to the balance as transaction category. We use It *4F1)laiDeiy:Belrla OdAX ng maw tarsraons) MGWd of cakukRtg the tiehnce upon Mwb weinpose Perrodo Fnawe Charges. We compute McAverage Daily oonpulie bur rn each day byfiutoditow owNtotopravouscir/sdaily maw, aaraaetrorhsmadethat daXlate charged tlmtday,and Periodo Fsrrroe Chrgesaarued on Gel day, to transaction is posted to yarAwant ear to dose dthe billing period in which.loocus; we vd beat the transec ion es lieYing oaaiaed onthe'faldny dune thing priodn which l re posted lo yaurAhxouhl At fees dhsgsd toyua Acdbiridarr added lo the ataidrd pudnese frauectonh calegorywith the exceplm dCaslaAdvarceTrensetlidl foe F w= 0heiged whiotn we added to /re eppieehle t advdhoa t--lion eategorypndBalance Tiarsfr.Trar n Foe Fna ce Charges afoot as added lo the appfeabk balance trahsferrmisadion eafs9 ry. Wflenf .spelf3(AClaM iee,VaemoVet)ire.uhpaidbdahoadtubalacetramlradtheBalanceTranslerTranadonFeeFinanceChrgestotostandardpurchasetransacbon category. H"M fths.$raaf motor lies boo terminated uclr fee Oe Rate PWh, we lean the unpaid balance of the balance transfer and the Balance 7rensfarTtansadw Feyfawrh5s, cages,intheappralaebarsectionantegayuWthespecial rate wodd.have, expired For TUB f releca traumicagoos Device for the titan assistance, call 14W347-7449. DisooYer,meyrmgr W andfprieoord, Mephore arts beh-n you and Discover representatives for quality assurance purposes The Discover` card is issued by Discover Bantu MemberFD IC. OITBK107 DISCOVER It per 10 ERNEST SOUDER DISCOVER Account number ending in 7733 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 Papedess Statements today. 02010 Dixo"r Bank, Member FDIC a? a PPRGRK0810 Closing Date; November 10, 2006 page 2 of 2 Cut back on mailbox clutterl Sign up for Paperless Statements and simplify the way you manage your account. We'll send you an e-mail as soon as your statement is available online. And, while you're at Discovercord.com, you can pay your bill quickly and easily. Sign up at Discovercard.com/ps Through the generosity of our Cardmembers, Discover(R) Card has donated more than $15 million to the Make-A-Wish Foundation(R). You can make a child's dream come true by electing to donate your Cashback Bonus(R) to the Make•A-Wish Foundation. To learn how, please visit Discovercard.com or visit Wish.org Visit ShopDiscover at Discovercard.com/shop to earn additional Cashback Bonus(R) when you shop online. You will find great offers from retailers like Barnes and Noble, FTD, Magaaines.com and morel ............ .. ............................................. .................. .... ...... Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic fee Daily Periodic PERCENTAGE PERCENTAGE FKANCE FM Balances Rates S RATES RATES CHARGES current billing period: 31 days Purchases $4156.41 0.06299% 22.99% V 22.99% $81.16 $0 Cash Advances $668.53 0.06847% 24.99% V 24.99% $14.19 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. QUeSNOnS? Manage your account at Discover.com or call 1-800-DISCOVER (1-800-347-2683). New Balance Minimum Payment Due i Account Number ending in 7733 DISCOVER $5,280.32 $114.00 Enter Amount Enclosed Below Payment Due Date $ January 9, 2007 Please make check payable to Discover Platinum Card or pay online F& Discovercard.com. 10 SDSN6A01 0008128 ERNEST SOUDER Tired of buying stamps? Go nabi Make and schedu a payments from your phone 2607 WALNUT BOTTOM RD with the Discover app. It's fast and it's free. CARLISLE PA 17015-9329 Download now atdiscover,com/apps PO BOX 71084 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892145109052803200150000011400 Discover Platinum Card Account Summary Closing Date: December 10, 2006 page 1 of 3 Account number ending in 7733 Previous Balance $5,022.86 Payment Due Date January 9, 2007 Payments And Credits 150.00 Minimum Payment Due $1 14.00 Purchases + 308.47 'Credit Limit $14,300.00 Cash Advances + 0.00 Credit Available $9,019.00 Balance Transfers + 0.00 Cash Credit Limit $7,300.00 Finance Charges + 98.99 Cash Credit Available $6,714.00 New Balance = 5,280.32 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance Now Cashbock Bonus This Period 5% Cashback Bonus Everywhere Else Cashback-Bonuses Since Anniversary Month Cdshback Bonus Balance January: $29.22 $ 17.08 + •1.08 + 2.41 ._..$. 1_..._.20.57_ 1. Visit Discover com to pay your bin for no cost, view your How Can We Help You? . latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call I.800-DISCOVER (347.2683) for fast, easysellservice Please have Discover Card available. options or to speak with a Customer Service Account Manager your 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired( see reverse side Soh Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dale Date Payments and Credits Dec 1 Dec 1 PAYMENT - THANK YOU $ -150.00 Merchandise/Retail Nov 29 Nov 29 WAL-MART SC - #5358 SHIPPENSBURG PA 31.72 Nov 30 Nov 30 BLEACHER BUMS CAMP HILL PA 21.20 Nov 30 Nov 30 WAL MART SC - #1886 MECHANICSBURGPA 28.94 Dec 3 Dec 3 TOYSRUS-BABIESRUS 800-TOYSRUS PA 29.02 Restaurants Nov 30 Nov 30 OLD COUNTRY BU00102038 MECHANICSBURGPA 21.60 Gasoline Nov 30 Nov 30 HESS 38357 CARLISLE PA 17.00 Services Nov 21 Nov 21 CINGULAR 4800 8882843014 PA 1 59,99. Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE RATE: 4.90%. Rate is subject to the terms of the offer including expiration. Cut back on mailbox clutter! Sign up for Paperless Statements and simplify the way you manage your account. We'll send you an e-mail as soon as your statement is available online. And, while you're at Discovercard.com, you can pay your bill quickly and easily. Sign up at Discovercard.com/ps Through the generosity of our Cardmembers, Discover(R) Card has donated more than $15 million to the Make-A Wish Foundation(R). You can make a child's dream come true by electing to donate your Cashbock Bonus(R) to the Make-A-Wish Foundation. To loam how, please visit Discovercard.com or visit Wish.org Important Information. here is more than one page to this billing statement, see the back of each page for addknal important information. p See your CardmemberAgreement. You Caratiemher agreement contains all the terms of your Acomit. z Lost or stolen cards. Report immediately! Call 1-800347-2683. o Billing Righter Summary. In Case of Errors or Questions About Your B6: If you think your bus wrong, or if you need more intomnation about a transaction on your bill, write us on a $ separate shed of paper w Discover, PO Box 30421, Soft Lake City, UT 8413x0421, as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which to error or problem appeared. You can telephone us, but doing so will not preserve you highs. In you later, give us the following information. N You name and Account number m The dollar aman of die suspected ems `i Describe the error and explain. If you can, why you believe there is an error. If you need more idarrnalion, describe to item you are unsure about. You do not have to pay any amount in gtresfan W& we are in Vestigeing. but you are still obigatad to pay the pads of your bill that are not it question. While we investigate your queston, we cannotrepotyou as detiquentor take any action to Golfed the amontyou dpsstion. Special Rate for Credit Card Purchases; # you have a problem wills the quality of goods or services that you purchased with a kredt card and you have tried in good faith to correct the problem with the merchant you may not have to pay the remaining amount due an the goods or services. You hawks protection only when the purchase price was more than $50 and to purchase was made in your home state or wttnn 100 miles of you malig address. (It we own or operate the merchant, or ilwe meted you the advertisement for the good or services, al the purchase are covered regardless of the amount or location of to limhase.) Payments. Spud only your payment and the top portion of the statement in the m*W provided. Do not send cash. By sending your deck as described above, you auftme us to use adomation on yourcheck to matte and electronic knit transfer from your account at the fYnndal institution Muted on your checkra to process tit payment as a check transaction. 9the psymem is Processed as an electronic had transfer, the transfer will be forttoaunt of Ste dtedr. When We use information from your check to male an dearonic find trenster, kinds may bewithdtaaah lion your account as soon as the same day we receive you psynnenk and you will not receive you check back from your financial malilnto . The processing of your payment maybe dale* if you $and caste; conespondetae or other gem with your payment, il you send tie psyn*irt to any other addess or If you use an envelope other than the ace provided. Payments received in proper forth at our processing fecrtity by 5PM local tnhe on any day wiz be credited to your Account as of VW day. Payments woemad at our processing facility after 5PM local firs will be credited to your Account as d the nerd day. t you have misplaced your envelope, sad your payment to Discover, PO Box 6103, Card Stream, IL 60197.6103. Please allow 7-10 days for delivery. tyour payment is returned unpaid, we reserve the right to rewli mlt it as an eleamric debit You can pay your mi0imin paymard or a greater amakinl cop the tetepho W. and you 01 11801 Up anflernatie pay loft. Calls al 160x3472663. You will need ytn melt and you bank accost inWmbGah. You must i nrre thatsul6dent fads. are available in you balk scoamt and all trensec8as must compywith U.S. law. You will be asked to provide tofirst 5 digits of you account ableme nt ZIP ode. By entering those numbers as you electronic signature, you will be agreeing to this sultaizaron to slow us and your bank to deduct each payment you oudhor to from your bank account, and to lnlbaindeblt or credit entries 0 your bank ecomA as apple, to caw amori in the processing of such payment. You must *0 in the smart death payment, or you can select an amount such as Minimum Payment Due or the New Balance on each dalernen. You an cancel a payment, however we main receive notice al leap tmea busness.deys in advance of the scheduled payment. You may randy us by phone at 1 0347 2683 or byroad at the address listed in the previcusi p h• tyor payments may very in amount we will tell you on each monthly sidrnertwhen your payment wit be made and how much it will be. Your Automate peymat amount may be We than to indicated on the monthly statement based on aedls or payments apptted during the billing cycle. Ctadf4 Reporting. We mayteport nformatm about you account to as& bureaus. Late payments, massed payments, or other ddmds on your acoamt maybe reflected in your credit repot. We normally report the dales sad payment history d your Account to cvadt reporilg agendas each month. If you believe that our report m i eco rate or incomplete; please write us at tie kilowimg address: Discover, PO Box 15316, vWiningta, DE 1985x5316. Please iidnde your name, address, home Weptnne number andAccount number. PERIODIC FWMCE CHMES. Periodic Finance Charges are inposed on at tmrsisdiors from the dale the transaction is posted to yourA=unt until the date you pay your entire New Balance, by makig Payments or rec"Q aedt. Ffanever, we will provide to blbwig'grace period' 9 you paid the New Balance on your pendous brig statement by the Payment Due Dale shown an that statement, and you pay the New Balance by to Payment at Date on this statement we will and impose Periodic Finance Charges on now piadsees, tW is, purchases first appearing on tier stalemian. Otherwise, you will receive a billing statement next menb that includes Periodic Fiance Changes on those, new pucheaes. There is no grace period on balance transfers or cash advances. We sat your eaNBnaions nto groups of purchases, casts advances, and balance transfers and than further sot tine transactions within each group by their Annual Paceriow Rate. For exsnple Widnases subject to a promotional we amt ptmheses eked to standard rate would be separate groups. We rderto ease groups as transaction categories. At the end of each billing period, we eompxt , Periodic Finance Charges for each day of the burg period for each transaction atbgory. We we to blowing equation to com pule Periodic for each tra section category. Average Daily Balance x number of days in the billing period x Daily Periodic Rude. (See the I natoe large summary on your statement for these amounts:) Then weedd up to Periodic Finance Charges for each L•asadion category to get the IOW Periodic Finance Charges for you Account The average Daily Balance is shown as zero if, because of the {pace period, no Periodic Finance Charges apply to the balance in a transaction category. We use to Average Daly Balance (aodudrg new transactions) med od of catcr4a" the balance upon which we impose Panoi is Fiance Charges. We conrpule the Average Daily Bdartcefor each t1arniscopn alegOry by adding up all the daily balances in a biNig period for a transaction category and dmdig the brat by the comber of days in the brig cycle. We ampule to daily balance for each transaction category on each day by first adtig the telowng to the previous days dailybsanoe, transactions made that day, lies staged that day and Pariedic Fine= Charges accrued on that day. to trasedion is posted b your Aomori after ft dose of to burg period in which it occurs , we will treat the transaction as having occurred on to even day of do brig period in which it is pouted to yourAcaiunt- N fees charged to your Account we added to the standard purchases transaction a" with the exception of Cash Advance Transaction Fee Finance Charges whisk are added to the applicable cash edyance transaction category and Balance Transfer Trahsacton Fee Fiance Charges which are added m the applicable balance transfer transaction category: Wlwhtw special role expires. we manta unpaid balance of to balance transfer and the Balance Toaster Transaction Fes Fiance Charges to the standard purchase transaction category. Hammer, if fhe special aite tas bean Wn**led under the Defied Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction fee Finance charges in ere nppficeble haraactim category and the special rate would have expred, For TOD (Telecormnunidatota Device for the Dnq assistance, cat 1400947.7449. Discovermay mown ardor mmd telaptsone beMm you end Discover repteseMatves la quality assurance psposes The Discovers card is iswed by Discover Bank, Member FDIC. OlTBK107 mber pop DISC VEK t' to ERNEST nuSOUDER SCOVER Account number ending in 7733 DI 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 x history, complete with merchant names, locations and zip codes. Go to Discovercom/poperless and sign up for Paperless Statements today. 02010 Discover Hank, Member FDIC PMRN.0810 Closing Date; December 10, 2006 page 2 of 3 Visit ShopDiscover at Discovercard.com/shop to earn additional Coshback Bonu4) when you shop online. You will find great offers from retailers like Barnes and Noble, FTD, Magazines.com and morel Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE RNANCE WANCE Balances Rates RATES RATES CHARGES QIARGES current billing period: 30 days Purchases $4496.53 0.06299% 22.99% V 22.99% $84.97 $0 Cash Advances $682.63 0.06847% 24.99% V 24.99% $14.02 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. 1 Questions? Manage your account at Discover.com or call 1-800-DISCOVER (1-800-347-2683). Closing Date: ERNEST SOURER DISCOVER December 10 2006 Account number ending in 7733 page 3 of 3 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: January 10 Balance Previous Cashback Bonus Award Balance $ 17.08 Purchase Award This Period + 2.41 5% Cashback Bonus 1.08 Cashback Bonus Award Total 20.57 Cashback Bonus Award Balance Award Available to Redeem 20.57 $ 20.00 Restrictions apply to th Cashback Bonus Partner offers visit Diseaver.com or call 1-800-DISCOVER (1-8003A7-2683) for details. For program ?etails, see the Cashback Bonus E rogrom Terms and Conditions. DISCOVER $ Balance 5,,6 603.72 10 SDSN6A01 0008129 ERNEST SOUDER 2607 WALNUT BOTTOM RD CARLISLE PA 17015-9329 F mum Payment Due Account Number ending in 7733 4.00 Enter Amount Enclosed Below Payment Due Date $ February 9, 2007 Please make check pa able to Discover Platinum Card or pay online 0 Discovercard.com. Tired of buying stamps? Go mobllel Make and schedule payments from your phone with the Discover app. It's fast and ft's free. Download now at discover.comlapps PO BOX 71084 11111111111111 11 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Printchange in space ll rllllrrlrrlltill rill rlilrlI llliflrlr till lrrllllllllrllllllll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892145109056037200150000012400 Discover Platinum Card Account Summary Closing Date: January 10, 2007 page 1 of 2 Account number ending in 7733 Previous Balance $5,280.32 Payment Due Date February 9, 2007 Payments And Credits 208.03 Minimum Payment Due $124.00 Purchases + 423.20 Credit limit $14,300.00 Cash Advances + 0.00 Credo Available $8,696.00 Balance Transfers + 0.00 Cash Credit Limit $7,300.00 Finance Charges + 108.23 Cash Credit Available $6,714.00 New Balance = $5,603.72 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Ctlshbadc BonUSe .Camhback.8onua.Since-Anntversary-Montiv... January: $32.09 CONGRATULATIONS! Your Cashback Bonus(R) is wolfing for you. Visit Discovercard.com or call 1-800-DISCOVER (1.800.347-2683) to get your share of America's #1 Cash Rewards Program. Opening Coshback Bonus Balance $ 20.57 New Cashbock Bonus This Period + 2.87 Cashback Bonus Balance $ 23.44 ... .... ........... How Can We Help You? 1. Visit 6iscover.com to pay your bill for no cost, view your latest Account Information, earn and redeem r®wards and more It's your choice - 3 ways to help 2. Call 1.8006DISCOVER (347-2683) for fast, easy self-service i A t M S ce ccoun erv options or to speak with a Customer anager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, for TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Dec 27 Dec 29 WAL-MART SC - #5358 SHIPPENSBURG PA $ -7.91 Jan I Jan 1 PAYMENT - THANK YOU -150.00 Jan 4.. Jan 5 WAL-MART SC - #5358.SHIPPENSBURG PA _ -50.12 . Merchandise/Retail Dec 15 Dec 15 WAL-MART SC - #5358 SHIPPENSBURG PA 65.55 Dec 31 Dec 31 CHARM SHPPES OUTLETS GETTYSBURG PA 24.99 Dec 31 Dec 31 KITCHEN COLLECTION #16 7173389255 PA 11.63 Jan 4 Jon 4 WAL-MART SC - #5358 SHIPPENSBURG PA 34.68 Gasoline Dec 17 Dec 17 GREEN CASTLE FOOD MART P GREENCASTLE PA 35.00 Dec 28 Dec 28 BJS FUEL #9025 WOX HARRISBURG PA 46.00 Jan 4 Jan 4 PUTTER'S FARM STORE #31 SHIPPENBURG PA 44.00 Automotive Dec 27 Dec 27 ADVANCE AUTO PARTS #58 SHIPPENSBURG PA 87.39 Services Dec 31 Dec 31 FARBERWARE OUTLET ST 1 GETTYSBURG PA 10.59 Warehouse Clubs Dec 28 Dec 28 BYS WHOLESALE HARRISBURG PA 63.37 tmpoitaiit bbmistbh, ttwo is.more tarn one page to this tailing statement, see the tarts of each page for addd oral important &dormation. See your CatdmanaberAgreement Your Catdmamber agreement contains an the terms of your Accent. Lost or stokn:eards. Report imrtedietey! Cap I-OW 47-2663. BtNig)BgldF Sgrmeary In Cesd d Errors or QuedonsAboutYour Bit: Ifyou unk you bP is wrong, ail' you need more information abort a transaction on your bill, mile us on a separewstiget of papa at Dom, PO Box3M21, Sat Lake City LIT 84130-0421, as soon as possible. We must (rear from you no later than 60 days after we sent you die first bill our Okh the ew;w problem appeared. You can telephone us, but dDog so oil not preserve your rights. In your later, give us the following information: -Ybw. name Wd/Fxorrt wriber The dollar wo n(of the suspected am Describe to ante aqd eeplaef, if you can, why you behave Owe is an error: tyou need more infemefion, describe to ilem you are unsure about. You do nottole Inpay any arrnW Ylghasiorthrllge we ton investigating, but yott are 3d obigated to pay the parts of your bill that we not in question. White we investigate your question, vvetmaatreport you as deiiquarda take any action to poled fre amount you question Special pork farCret[ Card Purchases-t you have a problem waMhe quality of goods or services that you purdiesed with a credit card and you have tried in good faith to correct tie problemrriN inmo sari; you may rat have to pay the remaining emoud due on the goods or services. You have this protection only when the purchase price was more their $50 and the MWw was made n yolk how shot iii" 100 miles d yaw mailing address. (t we own or operate ire merchant, or twe mailed you the advertisement for the gtxd or setwces,_ el tie ptichasa are ipverod tagitrdless of tine dritarrta bcaliorh of the purcase.) Paymarlee: Sttrtdat[y yotrlieyititiritand his mil paibtt Otte steleovet n the arrvelop provided. Do not send cash. BY swing you dads as desahbed above, you authorize us tolpe sibrmdltsian yductteck lonakasntf ele+kanhe firrrr! transfer from youracoorrtat tile trmeicial iatikrtari irhdiosted on your diedtar b process the payment as a ciedc Uarrsacbor(.dita ' iaprrtcaesed sasyteledsorecbatd trahucer, ftte transfer w0l be (a tie amoa>l dthe sheds. When we use inlam?ar Iran you check Bo mace an kad.(a_?kaxletfpt' b4 plgdrarnr ftam.your accasd as scat as the earns day wre receive your payment, and you wiN not receive your tdmecu b>rol0 noon yvxr im2nidel Thep-- y-peryntentmeyberdekyediyd!sedcash.'cormaporkenceoroteritems withyourpsymeN:ifyousend fhepayment toanyWharaddressorifyouusern etnve * other #M provided. Papratis Waived in proper form at our pivessing idly by.SPM but time on any day At be credited to your Accoetas of that day. Payments received atourprooeeaii g bay mw 5pM lttcel time will be aefaed to YourArxoat as of ire rrext day If you have misplaced your envelope, send your payment to Discover P. Oft 6103; Gerd Sftban 1 60191.8103. Please allow 7.10 days for delivery. t your payment is returned unpaid, we reserve to right to resubm t it as an eledneividdeWt Ycucan pay y0ir3itigirrratrpayriau5tore greaeragmord over the telephone, and you can setup automatic payments. Cell us at 1-800.3472683. You will need this statement and ytxr:bepi .gd>oudirfom(aigtm: You mug gwra.tltatadtcwnl Made are aridable m,your bew awount and all terns must comply wfth U.S. law. You will be asked to provide thefrat5tigtsoTyay:arwptr?fttttlattarmt2lPDoda Byetft%# se numbers asyotrelecianie$ig00,youwill beagreeing tothis sutlanrataiballow hsandyos. bank to deduct avid+,.,prytgerRyottiroro.ygirbenk aceant; and b inlek4edtor ae? mhYies b yam bmYc aaputL as e?ppliceble, b mred errs in the prooeeirg d sudn peynienl Vas rntrstieltete antorri desdi peyrntmt, a you cart sled an arraurt such m Minniurtm Paymed Due a to New Belarmce on each tOkkrtenl Ya can oeneal a paymeng lioaevawe frrudroaive rtotoeatiesttres ttusaaas days n advance d the adadtted pttyrrard You rriay notify is by phone d 1-000347-?83 a by rriei at the address 8skd h tla previous paruprg4t: #ytrr ptvyrtrrents rthay vaay b arnonW re veil kl you on each monthy ataeemantxlan yen payment wt be made and now much d oil be. Your Aubmelc',paymeid artioiedmay be less tieiv to amdiceled on the morhthFy stakrrmet based on aedik orpeyrrhets applied during the bkrmg cycle. CradiLRapnitQrig WeintiytepdrtirrfcrinetonahdW:yourabcoanl b aedt bureaus. tale payments, missed paymenk, or otherdefarAls on you accord may be reflected in your godit repcrL yll¢`rlottrpUS'r4p 1 ft wand OWWd history Of YourAccoud to credit repor4g agencies each month, tyou believe that our report is inaccurate or moo mplete. pleasewm alp CiebYowirp apdrass i}s r,PO, .Box 1531fi..yfiringbrt, DE 1995D5316, Pkage include yarn name, address, home telephone number and Accent number. PEROIK HKWE ZHyGlr3. Parigdic Femrice Chia w are imposed on all gaesactions from the date the transaction is posted to yourAceant until to date you pay your entire New Baparice;6y tttelugpitypleMS areceiuitg aaduts. ffowever, ae.wi provide to ippowing "g ace period If yorr paid qa Dkvv Balance an your pev sus bAimg sletemeM by Amp Payment'DueDak shiiia on dyt slotgnek and you tray to Nm Balance by the Payrnerit Due Date on Nor statement we wN not impose Periodic Faance Charges on new purchases, netts, purche eafastAPPM- g on ids stsimert Otterwisieyou will reomi a bring statement neA month that includes Periodic Finance Charges on those new phrcases Thae.s mgaoepdiod at bakvioe tensk+s a cash edva noes. Weewt your banseeiars iio graph dprdreses, cashadvenoes. and belance harskrs and gem bdher sod the benserAons within each group by MerMnuW Percentage Rate. For siesnpkpsrdrssw idbject 106 proinoWW rate end purchases subpd to shrdard rate would be separate groups. M refer b terse groups as transaction categories. At the end deedrbiip peiod,we GarnpWa PaiodaFinarce C? (or eadn day dta period for sad, bersantiorn category. We ass the fdowimg equation to rxmptrle Parodic for eadn tntruedon.cetiyottcAVerage DsiyBatencexrtrMe ddeys n tta birmg peiod x Osty Pebdrc Rek. (See the inence large summary an your statement mar base end i:1 .) Then rw add tip the Periodcfinarmoa Charges faeadrgansed on cetegay to gel the bRt Periodic Pamance Charges tar your Acaunf. Th a average Daly Balance is shawias zem if, becauaeo(tlle grass pefiod, ro Periodic Frerice GMrges ?PIY b the balemce kv a transaction category. We use tla AvetagaDaiy Below (adu*Snew,earaeniiaa) meted d calculating the balance upon vvt d we impose Periodic Finance Charges We compute the Ave Dar Balance lo! 90 trot "Min callepylyerIftup of the daily bakwaes n a bt g period for a haraachon category and dividing to OW by to number of days in the billing cycle ft compute the diybelertoe fcr arfi hinsecipf category- each dayby ist adding the Mowing b the previous days daffy balance, transactions made that day, tees charged that day end Perioda.FrwrCe Charges accrued an tat day. IN transaction is posted to yo rAccant after the dose of the billing period in which it occurs, we will seat the transaction ashei(i vooatredontmeAMdayof the Mingperiod in which it is posted to your Account, All teas d+nrged b yom`Ac6oufi ereadded b the standard precast Ireraactori cetegorywih the excepian d Cash Advance Tranaacsorh Fee Pnence Charges which areadded b to appitabb nab arkrartce transadon gakgayend Bdarnce irensfe Transaction Fee France.Cbargea which are added b the ?plicable bafauxe trensfar barhsaciorh category. Whentaspetreltabexpires,wanw+ethaurhpeidtsdemeottltebaletvoeter§sferandtvaBdaviceTvarhe(erTrasaegionPeeFrrenceChagestotf+estsadsrd rdusseuahuseaion cekgouy. tbwetar, plhe spec{d ice has been kirni?ed seder ire De}aul Rate Wen. we leave the unpaid balance of the balance rarsler and the Balarhce T rear Transaction Fee Frnarnoe Charges in the aPPe Iraa4aogpn cste9aY onbl the speciafmre ward lava expired.. Far TDD {TakconamrmkatbnsVeviee,for the NO assiaknce, call 1-000.347-7449. Discover may.m onibr Sift reoord telephone sags between you and Dsoover representatives for quality assurance purposes The Dismucra card is issued by Discover Be* Member FDIC. OITOK107 DISCOVER It pays to ERNEST SOUDER DISC VEW Account number ending in 7733 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 possword•protected, statement history, complete with merchant names, locations and zip codes. Go to Discover.com/papedess and sign up for Papedess Statements today. 1k,41% 02010 Discover Bank, Member FDIC PPRGRN.0810 dosing Date: January 10, 2007 page 2 of 2 Information For You ;Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE RATE: 4.90%. Rate is subject to the terms of the offer including expiration. Cut back on mailbox clufterl Sign up for Paperless Statements and simplify the way you manage your account. We'll send you an e-mail as soon as your statement is available online. And, while you're at Discovercard.com, you can pay your bill quickly and easily. Sign up at Discovercard.com/ps Through the generosity of our Cordmembers, DiscoveriR) Card has donated more than $15 million to the Make-A-Wish FoundationiR). You can make a child's dream come true by electing to donate your Cashback Bonus(R) to the Make-A-Wish Foundation. To learn how, please visit Discovercard.com or visit Wish,org ........ Visit ShopDiscover at Discovercard.com/shop to earn additional Cashback Bonus(R) when you shop online. You will find great offers from retailers like Barnes and Noble, FTD, Magazines.com and morel Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily B l Periodic R PERCENTAGE RATES PERCENTAGE FINANCE FINANCE a ance s ates RATES CHARGES S_ .current billing period: 31 days Purchases $4785.16 0.06299% 22.99% V 22.99% $93.43 $0 Cash Advances $697.03 0.06847% 24.99% V 24.99% $1480 $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 #33 um Payment Due $6,741.57 0 Payment Due Dote March 9, 2007 Account Number ending in 7733 Enter Amount Enclosed Below Please make check payyable to Discover Platinum Card or pay online 0 Discovercord.com. 10 SDSN6A01 0008130 ERNEST SOLIDER 2607 WALNUT BOTTOM RD CARLISLE PA 17015-9329 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. 000001986458892145109067415700150000013300 Discover Platinum Card Account Summary Closing Date: February 10, 2007 page i of 2 Account number ending in 7733 Previous Balance $5,603.72 Payment Due Date March 9, 2007 Payments And Credits 150.00 Minimum Payment Due $133.00 Purchases + 1,171.56 Credit Limit $14,300.00 Cash Advances + 0.00 Credit Available $7,558.00 Balance Transfers + 0.00 Cash Credit Limit $7,300.00 finance Charges + 116.29 Cash Credit Available $6,714.00 New Balance _ $6,741.57 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 23.44 New Cashback Bonus This Period + 2.93 Cashback Bonus Balance $ 26.37 Cashback Bonus& Anniversary Month: January CONGRATULATIONSI Your Cashbock Bonus(R) Is waiting for you. Visit Discovercard.com or call 1-800-DISCOVER (1-800.347-2683) to get your share of America's #1 Cash Rewards Program. How Can We Help You? p 1 • Visit Discover.com to pay your bill for ne cast, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.800.DISCOVER (347-2683) for fast, easy self-service Please have your Discover Card available, options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, LIT 84130 Transactions $0 fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credhs Feb 2 Feb 2 PAYMENT - THANK YOU $ -150.00 Merchandise/Retail Feb 7 Feb 7 WAL-MART SC - #1850 CHAMBERSBURG PA 845.88 - -Fe6-7 - Feb 7 - WAL=MART SC - #5358 SHIPPENSBURG PA - 21.14 Gasoline Jan 19 Jan 19 GETTY 67639001 CARLISLE PA 60.00 Feb 6 Feb 6 SHE£TZ 00002634498 CARLISLE PA 47.00 Automotive Jan 18 Jan 18 KYNERS AUTO SALES INC 7172611511 PA 114.80 Feb 1 Feb 1 ADVANCE AUTO PARTS #12 CARLISLE PA 29.68 Goverrunent Services Jan 26 Jon 26 USPS 4134870013 CARLISLE PA 23.40 Home Improvement Feb 7 Feb 7 LOWE'S 1710 CARLISLE PA 29.66 Tired of buying stamps? Go mobile! Make and schedule payments from your phone with the Discover app. It's fast and irs free. Download now at discover.comlapps PO BOX 71084 111.1 lnuullllnrlriul CHARLOTTE NC 28272-1084 11111111JrhI ltill 11111111111111111r11.1.I rhllrrtrrlrrlrtrrll Information For You Balance Transfer offer for current billing period: Daily Periodic Rafe: 0.01342%; corresponding ANNUAL PERCENTAGE RATE: 4.90%. Rate is subject to the terms of the offer including expiration. Important Infornhation- If there's more than one page to this biteg statement, seethe beck of each page for additional important information. See your Cardmember Agreement Your Cardmember agreement contains all the Isrms of your Account. Lost or stolen cards. Report immediately! Cap 1.800.347.2653. Billing Rights Summary. In Case d Enons or Questions About Your Sip: If you think your bill is wrong, or s you need more information about a transaction on your bit, write us on a separate sheet of paper at Dscaver. PO Box 30421, Salt Lake City, UT 84130-0421, as soon as possible. We must hear from you no laterihan 6D days alter we sera you the fast bill on wtimh the error of problem appeared: You can to eOme us, but doing so wit not preserve you ruts. In you letter. give us the following infom sWri. • You name andAaaunt number The dollar amours of the suspected am Describe 0* eta and explain. gyou can. why you believe there is an error- 9you need more ird irmation, describe the gain you ace unsure about. You do not have to pay any amount in question while we are investigating, but you are slip obligated to pay the pads of your bill that are not in question. While we investigate your question, we cannot report you as desquent or take any action to oOW the amount you question. Spacial Rite for Cretkl Card Pamhssas: If you have a problem with the quality of goods or services that you purchased with a credit card and you have tried in good faith to correct ft Problem with the mudat, you may not have. in pay the vemehiing amount due w the goods or services. You have In prdectmodywtnen the purchase price was mare than S50 and tlta purchase was made in you home slate or within 100 milks of you malt address. (If we own or operate the merchant, or if we mailed you the advertisement for the good or services, all the purchase are covered regardless of the amount or location of Are purchase.) Payments. Scud oniy you payment and the top portion of the statement n the envelop provided. Do not send cash. By sending your check as described above, you authorize us to use information on you chedk to matte and electronic loud transfer from your account at ft financial institution indicated on you check or to process the payment as a check transaction. If to payment is processed as an electronic fund frerMW flhe tmnster wl be for the amount of the dxtik. Whenwe use information from your duck to make an electronic Acrd transfer, funds may bevnAdrawn from you aocoura assoon as the same day we receive your payment, and you will not receive you check back from your financial InSilik"M The prooessinp of yam payment maybe delayed if you send cash. correspondence or ohm items wh h yaw parse nl t you send the permed to any other adchm or if you'uss an envelops allies thent eore p aiaded. Paymentsreeerved in MM form duo processing facility by 5PM local time. on enf day wit be credited to your Acoaant as of thalday. Payments received at our processing fealty alter 5PM local ors will be cie4led to yourAccount as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Boot 6103, Carol Bream, IL 60197bt03. Please slow 7-10 days for defivery. If you payment is returned unpaid, we reserve the right to resubmit t as an electronic debit. You can pay yeorm=ran payment as Wester amou rd over the telephone, and you con set tip automatic peymerus. Can us at 1.800.3472683. You will need this statement and you bank account irdamteton. You mast eimm do efficient hands are avalable h you bank account. and and transactions must comply with U.S. law. You will be asked to preoide the fsst 5 digh of you account statement ZIP code. By enlering those ambers as your ekiiiauc sigmWa, you will be agreeing to this au t ormatim to allow us and your bank to deduct ascn per" you sWhaiza item your bank accourd, and to ritsts debit or credit entries b you bank aooormt; as app8cebla to Correct errs in rte Processing of such paymeat. You mad td usthe amour leach payment or you can soled an arrant such as Minimum Perot Due or the New Balance on each statement. You cen cared a psyrrmik Ihowaver we moat receive notice at lass) three busiruss days in advance of the scheduled payment. You mayraffiy us by phone a11.800-347-2683 or by mal at to address listed in the prevaus Paagraph. B your payments may very in anuohntwe wd tell you on each monthly statement Am your payment will be made and low much it will be. Your Automatic payment amount may be less tun the indicated an the monthly statement based on credits of payments apptied dtifg the biting cycle. Credit Reporting. We may report itame6on abed yam account to seat bureaus late payments, missed paynons, a other defaults on your account may be re8aced in your credit report. We normaly, report the sans and payment history of your Account to credit repo" agencies each month. 5 you believe that our report is nwAfate or incomplete, please vmk is at thetoilowing address- Discover, PO Box 15316. Wilmington, OE 1955x5316. Please include ymw name, address, tame teleptane number and Aooeunt number. PERIODIC FN4ANCE CHAGES. Periodic Fames Charges; are imposed an all transactions from the date the uansachon is pooled to your Account unlit the date you pay your entire New Balance, by nWwQ payments or receiving credits. However, we will provide the fallowing `grace period' If you paid the New Balance on you pervious biting statement by the Payment Due Date dam on that atate me t, end you pay the New Balance by the Payment Due Date on rhea statement we will not impose Periodic Finance Charges on new purchases, tats, purchases kgappeadng on this statement Otherwise, you will receive a billing statement riexl month that moludes Periodic Finance Chages on those new purchases. There is no grace period on balance transfers or cash advances. We sort your bersereors Into groups of purchases, cash advances. and balance banisters and tun Nntner sort the trensac"m within each group by ttwarAmwel Percentage Rate. For example purchases m*d b a Promotional rate and purchases subject to standard rate would be separate groups. We refer to these grotgs as transaction categories. At the end of each kilctierh bd. we cumptue Periodic finance Charges for each day of the bfng period for each transaction category We use the following equatiwh to compute Periodic for each category Average Daily Balance x nurviSes of days tithe bif%period x Daily Periodic Rate. (See the friance charge wmmauy on your statemer IV thus smarts.) Than we add up go Periodic Finance Charges for each transaction category to get the tics! Perioft Finance Charges for you Account: The average Daily Balance is - shown as zero it, because of the grace period, no Periodic Finance Charges apply to the balance in a transaction category. We we be Average Daily Balance (wdudnp now transactions) meted of cMWatig the balance upon which we impose Periodic Finance Charges. We compute this Average Daily Balance for each aensaWon category by adding up as the daffy balances in a biting period for a transaction category and dividing the toW by tin number of days in the biting cycle. We tamlplle the daily balance for each transaction category o i each day by first adding the (agowtrg to Via previous days daily balance, transactions made that day, fees charged that day and Periodic Finance Charges accrued on that day. If a transaction is posted to your ACcohmt after the dose of tla billing period in which it occurs, we will Treat the transaction as hevirtgowmisil on the first day of the biting period in which l is posted to you Account. At fees charged to WAccount we ended to the standard purdieas transaction cadegoprwith the exdepton of CPA Advance Transaction Fee Finance Charges which are added to the applicable cash advance samsac6oncategory and Bela rm Transfer Trwissom Fee Fuwnca Charges which are added to the applicable balance transfer verstiam category When the special rate expires. we time the unpaid balance of the balance transfer and the Balance Transfer Transaction Free Finance Chagas to the standard purchase transaction oahgbry. However, if the special tale has been terminated under the Defall Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Chow in the applicable transaction category utSl the specialists would have expired. for TDD (Telecommunications Device for the Deal) assistance, call 1.800.347-7449. Discover may mmifor andbr record Idephone cogs between you and Discover representatives for quaty assurance purposes The Discow s card is issued by Discover Bank, Member FDIC. OITBK107 DISCOVER' It pays ro ERNEST SOLIDER DISCOVER Account number ending in 7733 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 possword-protected, statement history, complete with merchant names, locations and zip codes. Go to Discovercom/paperless and sign up for Paperless Statements today. ®2010 Discover Bank, Membw FDIC PPRGM.0610 Closing Date: February 10, 2007 page 2 of 2 Use your Discover(R) Card to make a $100 donation to The Statue of Liberfy6Ellis Island Foundation, Inc. and you can have ,the name of someone you care about engraved on The American Immigrant Wall of Hanor(R), built to celebrate freedom ,and commemorate American Dreams. For more information log on to Discovemard.com 'Put your home's equity to good use ... with smart home equity financing from Discover Home Loans. We offer a full range of home equity credit line options at low rates - apply online at Discoverhomeloans.com and get a response in just 30 seconds! Please reference invitation number DCS207207N when you apply. As a Discover Cardmember, you get the most complete set of travel benefits offered by a noannuaLfee credit card. From 5% Coshback Bonus(R) to complete travel protection, Discover Card has your travel needs covered. Visit Discovencard.com for more details. ;Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Periodic PERCEMAGE PERCENTAGE FINANCE RNMCE Balances Rates _ RATES RATES 'current billing period: 31 days 'Purchases $518 I .A3 0.06299% 22.99% V 22.99% $101.18 $0 Cash Advances $711.99 0,06847% 24.99% V 24.99% $15.11 $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 7733 $7,773.80 $153.00 Enter Amount Enclosed Below Payment Due Date $ Apr$ 9, 2007 Please make check payabfe to Discover Platinum Card or pay online P@ 08i1.6 10 SDSN6A01 0008131 ERNEST SOUDER 2607 WALNUT BOTTOM RD CARLISLE PA 17015-9329 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 and schedule payments from your phone with the Discover app. it's fast and K's free. Download now at discover conVapps PO BOX 71084 {{Inillunn{{{Inilrlnl CHARLOTTE NC 28272-1084 {IIIIIIoil IIIIIIIIIIIIIIIIniIIIlni{uliilu{IIII IIIIIIIII III 000001986458892145109077738000200000015300 Discover Platinum Card Account Summary Closing Date: March 10, 2007 page 1 of 3 Account number ending in 7733 Previous Balance $6,741.57 Payment Due Date April 9, 2007 Payments And Credits - 229.66 Minimum Payment Due $153.00 Purchases + 1,132.17 Credit Limit $14,300.00 Cash Advances + 0.00 Credit Available $6,526.00 Balance Transfers + 0.00 Cash Credit Limit $7,300.00 Finance Charges + 129.72 Cash Credit Available $6,526.00 New Balance = $7,773.80 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus! CodAxKkBonuseSinceAnniversaryMonth -.... January: $7.63 Opening Cashback Bonus Balance $ 26.37 New Cashback Bonus This Period + 4.70 Cashback Bonus Balance $ 31.07 .... ._ .. ....._.. .. ............... How Can We Help You? P 1 • Visit Discowr com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy seWservice 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 TOO (assistance for hearing impaired) see reverse side Soft Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dab Date Payments and Credits Feb 9 Feb 1 i LOWE'S 17 10 CARLISLE PA $ -29.66 Mar 1 Mar 1 PAYMENT - THANK YOU -200.00 Merchandise/Retai Mar 8 Mar 8 CHEF'S SOURCE FOOD HARRISBURG PA 44.00 Restaurants Mar 5 Mar 5 DAVENPORTS ITALIAN OVEN MECHANICSBURGPA 19.83 Gasoline Feb 26 Feb 26 GETTY 67639001 CARLISLE PA 42,00 Mar 4 Mar 4 GETTY 67639001 CARLISLE PA 43.00 Automotive Mar 3 Mar 3 ADVANCE AUTO PARTS #54 MECHANICSBURGPA 41.30 Mar 4 Mar 4 ADVANCE AUTO PARTS #54 MECHANICSBURGPA 14:96 Mar 6 Mar 6 ADVANCE AUTO PARTS #12 CARLISLE PA 21,04 Services Feb 16 Feb 16 NATIONWIDE INS AGENCY 800.276.4981 OH 424.35 001100000293672 Feb 20 Feb 20 THE SENTINEL CARLISLE PA 156.00 Warehouse Clubs Mar 8 Mar 8 BJ'S WHOLESALE HARRISBURG PA 270.39 Home Improvement Feb 9 Feb 11 LOWE'S 1710 CARLISLE PA 33.54 Feb 20 Feb 20 LOWE'S 1710 CARLISLE PA 21.76 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE RATE: 4.90%. Rate is subject to the terms of the offer including expiration. Manage your account your way - whether you prefer to speak with a live person or manage it on your own, Discover(R) Card has the right account management options for you. Call 1-800-DISCOVER (1.800.347.2683) or visit Discoveroard.com Important Infomtadon. If tulle is more than one page b this bang statement, see the back of each page for additional important nformation. See your Canknember Agreement. Your Cardmember agreement contains all the teens of your Account. Lost or stollen ands. Report ktxiiediatelyl Cal 1.800347-2683. Billing Rights Summery, In Case of Errors or Questions Abed Your Big: If you think your bid is wrong, or if you treed more in(amrtian about a transaction oo your bill, write us on a uparak street of paw at Discover, PO Box 30421, Sot Lake City, UT 841300421, as soon as possible. We must hear from you no later then 60 days after we sent you the first b9 on which the error or problem appeared. You can ioapbone us, but doing so will not preserve your rights. In your letter, give us the following information: Your now and Account number The dollar amour al ohs suspected ens Describe the ems and o pisirt tyou can. why you breve there is an error 9 you need more information. describe the item you are unsure about. You do rat have to pay any amount in quaslian while we are investigating. but you are still obligated to pay the parts of your bid that are not in question. While we investigate your question, we cannot report you as drlnquwd or take any action in oolect the wrountru question. Special Rate for C" Card Purchases: 9 you have a problem with the quality, of goads or services that you Massed with a credit card and you have tried in good faith to correct to problem with the merchant. you may not have to pay to remaining amount due an the goods or services You have this protection only when the purchase price was more than F50 and the pow* was made in your horns stale or whin 100 miles of your mailing address. (t we own or operate the merchant, or if we nailed you the advertisement for the good or services, all the Masse are covered regex1m of the amount or location of the purchase.) Payments Send only your psyment and the mp portion of the smtensrt in the envelop provided. Do not send cash. By sending your creak as described above, you authorize us to use iufunation on your dhadk to make and alledmnio kind transfer from you acceunt at the mensal institution indicated on your check or to process the payment as a check tranasoban.1ftre payment is processed as an elecrorw fend trakwter, the transfer viol be for the amount of the dtedk. When we useiniomratiom from your check to make an *draw J nd transfer, bids may be withdrawn tan you account as soon as the same day we receive you payment, and you will not receive your check back tom your financial katitupart The process" of your peyrrtenlnmyber delayed ifyousend cash, aarespoodenceor other demswith yokrpayrnwit,it you send thepaymemtto anyother address ord"uusean-_ . envelope otter than tae are provided. Payments received in proper krm at or ptooessig feci ity by 6PM local We on any day will be credited to yourAcaouht as of that day. Parma received star processing facility after 5PM local time will be oedted toyourAocoutt as of the next day If you have misplaced your envelope, send your payment to Discover, PO Box 6103;, Card Steam, d- 60197.6103. Please allot 7-10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmet it as an ekctronhio debit You can pay your maze nm period or a greater amount over the teleplinw, and you can set up a lc naOc paymerus. Cal us at 1.8003472683. You wig need this statement and your barn aoparit inimmali m. You must ensue that audident f ids are skrailads in your bank account and all trartsectons roast comply with U S. law. You will be asked to provide the "15 elgds otypu swouat sWainentZIP code. By snaring t hoss numbers as your eiecsnnic signaate, you will be agreeing b this eutadraton to allow us and your bank to deduct each pollomit you sthtadps,kmWx bank amount, and to tndwm dOW Of aeafitt enbies to your bank arxounl, ac appyaable, to correct error in the processing of such payment You mat lel us the srnountof each payment, or you can anted an amount such as Minimum Payment Due or the New Balance on each statement. You can cancel a Payment however sw must rewire notes our least tree bttsihass.0sys in advance of the sghedded payment. You may tatty us by phhom at 1-8W-347-2683 or by mad at the address Mod in he pevious paragraph. 9 you payments nay vary in amount we will tad you on each maori ty statement when you payment wig be made and how mach it wig be. Your Aubatete_pajtrherMammtaf may be Isis tan11 he indhcsM an the us"smlamrerht based an credits or payments applied dung the btTkrtg cycle. Credit RaporlI g. We may repot information about your account m credit bureaus. Laic psymentr, missed payments, or other defaults on your acout may be reflected in you credit mpat.We hpmtaly report to status and payment hstoy of your Amotrtt to credit reporting agencies each month. If you believe that our wort is inaccurate or incomplete, passe write is at the following adbess: Discover, PO Box 15316, Nhhdrglon, DE 198505316. Please include your came, address, home lateptane number and Account number. PERIODIC FIHAHCE.CHA%S. Periodic Finenae Chagas are imposed on all trauaactions from the date the transaction is posted to your Account until the date you pay your enure New Bhtagce, by mslgnhg peymenle or receiving credits. However, we will provide Is following •grece Perot 9 you paid to New Balance on your pervious billing statement by rho Payment Due Dale show on that statement, and you pay to New Balance by the Payment Due Dale on this staterent we will not impose Periodic Finance Charges on new puclases, talcs, purchases lire appearing an this slater eel Otrawise, you will receive a berg statement next month that includes Periodic Finance Charges on terse new purchases. Three is no Woos pedodon Balance transfers or cub advances. We sat you Msadiats into groups of Purchases, cash advartces, and balance transfers and then further sat the transactions within each group by their Annual Percentage Rate. Far example 4orlhesee arbjeattoa promotional rant and ptsdhases subpdto standard ato.wodd be separate grouts. We rata to arse groups as barsadion categories. At the end of each bi6tgpered, we oomhptde Periodic France Charges for each day of the billing period for each tarsaawcab". We use the following equattoun to compote Periodic for each transaction celegocy.Average Daily Balance x rumba of days in the billing period x Deily Periodic Rae. (See the knanee charge summary on you statement for these amounts) Than we add up the Periodic Finance barges for each transaction category to get the total Periodic France Charges for your Account. The avenge Daily Balance is slhowvtas wo d, because o( the gam period, no Palo& Finance'Chups. apply Io the balance in a transaction category. We use the Average Oak.Balahoe (adudirg new transactions) m etiod of calculating to balance upon.wthidh we repose Periodic France Charges. We axrpua is Average Daily Balance for each Yarsaca pin psegpry by milking up all Gar deny belerhmas in a b6ag period for a kansection Rory net divkig the toll by the number d days into billing cycle. Weconpule to dsdybaderaefaeach vanaackon wlegoryon aedi day by Wadding to following to the previous day's daily balance, transactions made that day, fees charged treldey and P&&FkwhcaBurgas accrued on dmt day. We transaction a pooled to your Aooad after the close of is billing peiod n which it occurs, we will wst the transaction as hawnil oomired on the nest day of the blip period inwWh itis posted b yourAccent. At fees Barged to yourAooouit are added to fie sfandaniptrdave mansactim category with to waxpton of Cash Advance Transaction Fee Finance Charges Mich are added b theapp(cebla cssh tidverhoatreraaeton csagoy srid8alahhce TrahsfaTiatsactian Fee FnanceChanges wleah are added to the applicable balance transfer transactions category. When the special no expi is, we move the unpaid baai oe of the balance hnsfa and the Boanhcer Transfer Transaction Fee Finance Charges to the standard purchase transaction camgory, However; Dore spode! rem has been amnnaled.knder the Do" Rate Plat, we lem the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Francs Charges in is appiaWe transaction asiagay until the special ate would have expired For TOD {IekcpmmuNutom D"ketorthe Deaflassialance, ca11490947.7449. Docovef may moeibramdra.reord telephone calls between you and Drover representatives for quality assurance purposes The Dscover° card is issued by Discover Bsnt, Member FDIC. OITBK107 DISCOVER' It pays to ERNESTSOUDER WSCVER Account number ending in 7733 Go green. Go paperless. i 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 possword-protected, statement history, complete with merchant names, locations and zip codes. Go to Discovercom/papedess and sign up for Paperless Statements today. 02010 Discover Bank, Nem6er FDIC X V4 116, PPRGRN.0810 Closing Date: March 10, 2007 page 2 of 3 Get the flexibility of a home equity credit line with the certainty of a fixed-rate loan) The new Discover Home Equity Line of Credit is guaranteed never to increase more than 1.50 percentage points over your initial rate during the first 5 years. Apply online at Discoverhomeloans.com today. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balance Rates RATES RATES CHARGES CHARGES current billing period: 28 days Purchoses $6565.48 0.06299% 22.99% V 22.99% $11579 $0 Cash Advances $726.50 0.06847% 24.99% V 24.99% $13.93 $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 Closing Date: ERNEST SOUDER MCI 10 2007 Account number ending in 7733 page 3 of 3 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: January 10 Balance Previous Cashback Bonus Award Balance $ 26.37 Purchase Award This Period + 4.70 Cas back Bonus Award Total 31.07 Cashback Bonus Award Balance 31.07 Award Available to Redeem $ 20.00 59strictions apply to thq Cashback Bonus Partner offers visit Discover.com or call 1-800-DISCOVER (1-800-347-2683) for etails. for program details, see the Cashback Bonus ('rogram Terms and Conditions. New Balance Minimum Payment Due Account Number ending in 7733 DISCOVER $7,436.98 $160.00 Enter Amount Enclosed Below Payment Due Date May 9, 2007 please make check payoble to Discover Platinum Card or pay online a Discovercard.com. 10 SDSNeA01 0008132 ERNEST SOLIDER Tired of buying stamps? Go mobilel Make and schedule payments from your phone 2607 WALNUT BOTTOM RD with the Discover app. R's fast and it's free. CARLISLE PA 17015-9329 Download now atdiscover.com/apps PO BOX 71084 Illsrrllsssrrrllllssrlrl" CHARLOTTE NC 28272-1084 Address, e-mail or telephone changelt Print change in space lrrlrllrrlrrrlrllrrrlrrlrlrrrlll(rrrlrrlrrlrrllrrlrrlrrlr{rill above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892145109074369800200000016000 Discover Platinum Card Account Summary Closing Date: April 10, 2007 page 1 of 2 Account number ending in 7733 Previous Balance $7,773.80 Payment Due Date May 9, 2007 Payments And Credits 1,200.00 Minimum Payment Due $160.00 Purchases + 563.21 'Credit Limit $14,300.00 Cash Advances + 150.00 Credit Available $6,863.00 Balance Transfers + 0.00 'Cash credit Limit $7,300.00 Finance charges + 149.97 Cash Credo Available $6,564.00 New Balance = $7,436.98 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 31.07 New Coshback Bonus This Period + 2,82 Cash6ack Bonus Balance $ 33.89 Coshback Bonus® Since Anniversary Month .January: $10.45 CONGRATULATIONS! Your Cashbock Bonus(R) is waiting for you. Visit Discovercard.com or call 1-800-DISCOVER (1.800347-2683) to 90 your share of America's #1 Cash Rewards Program. Help You? 1. Viso Oiuover.corn to pay your 6f1 for no cost, v How Can We He row r latest Account information, earn and redeem rowords and more 'It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy selhservice options or to speak with a Customer Service Account Manager Please have your Discover Card available. For TDD (assistance for hearing impaired) we reverse side 3. Write us at Discover Card, PO Box 30943, Sao Lake City, UT 84130 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. Trans. Post Date Payments and Credits Mar 14 Mar 14 PAYMENT -THANK YOU $ -1,000.00 Apr 2 Apr 2 PAYMENT - THANK YOU .200.00 Merchandise/Retail Mar 27 Mar 27 OLLIES BARGAIN OUTLET CHAMBERSBURG PA - - 49.87 Restaurants Mar 16 Mar 16 BONANZA, CARLISLE CARLISLE PA 17.13 'Gasoline Mar 12 Mar 12 GETTY 67639001 CARLISLE PA 69.00 Mar 16 Mar 16 SHEETZ 00002634498 CARLISLE PA 50.00 Mar 28 Mar 28 RUTTER'S FARM STORE #31 SHIPPENBURG PA 54.00 Mar 30 Mar 30 GETTY 67639001 CARLISLE PA 52.00 Automotive Mar 21 Mar 21 FAMILY FORD-MERCURY CARLISLE PA 107.06 Apr 3 Apr 3 AUTOZONE #1887 SHIPPENSBURG PA 111.29 Services Mar 27 Mar 27 AIRGAS EAST 6038904600 NH 21.09 Cash Advances Mar 13 Mar 13 CASH ADVANCE CHECK #7720 150.00 Mar 13 Mar 13 CASH ADVANCE TRANS FEE FINANCE CHARGE 5.00 Home Improvement Mar 26 Mar 26 LOWE'S 1710 CARLISLE PA 31.77 Importent nformatlon. 6thereis mote ten one page to hs brtig sletement seethe backs each page for additional O" trait domletiorL o See your Cardmi mtier Agreement. Your Cardmembei agreement contains at the terms of yorrAmount ? cards. Report inma?ety! Cog 1.111"144. o Bttfg Rights Surmnuy. In Case of Enors or Questions About Your Big: If you think your bill is w o% or if you need more inf«mation about a transaction on Pr bit, write us on a o aegira4 of paper at Disoower, PO Box 30421, Sell Lake City. UT 841300421, as soon as possible. We must hear from you no later Orwr 60 days after we sent you the first bill °o on which the saw or praWem appeared. You can temptane us, but doing so will not preserve your rights. In you letter, gave us theidlowiig information: r • Yalu rase ardAooaudnamber nil The dollaranaunl of tresuspeaed error v Deacimbe are am and explain, tyou can, why you believe there is.an aria. t you need more idamanin, describe the item you are unsure about. You do nd haws b pay any amoumin quesion std9 we are westigaUg. but you are stilldhfpated to pay the parts of your bill that ere not in ques9ion. Whimwe investigate your cluestiar,wecanhalrepodyouasdh hgnretnt«tekeanyaction rocoiledtheamoursyouquesiom SpecialRaleforCarditCarc[Purthistes: if you heveapoblemwith dwgm*ofpAorservicestlratyoupurchasedwAhaaedilcadaMyouherosgiedingoodtadhlowmot the prablemm 10 din mwahank you malf ad hava to pay the waskilog arrest due en the goods a services. You have tea protection only when the ptimhase price was more than S50 and the "chase, W" made in your home Stated within 100 odes dyer mailing address. (it we own or operate the merchant of Owe mailed you the adverlisemetht for the good or services, at the purchase are covered regandess of ft amount or location of the purchase.) !'ayaanfs. Sand Doty you paymentand tine l?P Petticn the stelerrhent ire he erwelop provided. Do rid send ash. By sending you hcthebk u descibed e4ove, You aAnorae us b use nfonmtelorn on yoadtedc b meke'erd elerlmric drhd iansfer tan your aoceunt at One fnehhciat ihsitutiah ihdMaled an you dhedd «ro prodx? the payned as a check varoarSon. Hria?peynatrnig procesued ere an eferuaie huhd Haeafer.lhe horsier wdV bailor One anwd dlfie dhadt. Nflhenvre use frhfamaaorr team yam cfiedito mafce an eiecbortc fund . tier hrds may be witlndhawn from.yar aaauM as soon as the carne day we receive your payrrherht, end you wi ratrecewe yo« dredcbadt 5onm yam fnancial irnstituOart The procesairg of yaw payment maybe delayed tyou send oak correspa lance or other hens wltl your payment, if you send the payment to any otreraddress or dyou we an envelope ate tlherh the are provided. Peymats me vad in properfam at our processing lactly by.SPM lord fire o n any deywd be cradlled myoucAaxunt as of hat day. Payments received slots processing facility after5PM local true will be cradled to yarAcco etas of the nag day. It you he" misplaced your erwelope, send your payment to Discover, PO Boa 6103, Card Stream, IL 60197.6103. Please allow 7-10 days for delivery 9 yaw payment is retained unpaid, we raw" the fight to resubmit it as an at dra odeb. You can prey yam mahimrm payment «a Orealeruwraul over.tlh letepiane, and you car ad up aubmaic peynants Cat ce at 14"7M. You will need it statement and EM must comply with U.S. law. You WB be aslad to provide be agreeing to hg ehllimiraion to allow us and you bank to asappicabie•tocomsrterc«intheprooessdsuch or th New Balance an each statemen You can cancel a may notify a by phone ail 1-060-47 2883 or by mall at the id in the prevloha pengreph. t Yo!r peyrthards may very n armouhtwe wb tat yam on each montFty satement when your payment will be made and haw much it will be. YorrAubmaic.peytnerlsmount may ha fees ten the ihdiated on the monhry statement based on crud is «paynherts applied during rte billing cycle. Craft Reporting. We mayreport Trdamatron about yes account to credtburesm Line payments. missal payments, or oft defaults on you account may be refteded'm yea aedtrepoitVorhamallyrepd1he Ohm andpayment tnisteryof your Account tocredit raw"agenImeach math.ryabelieve, O toutreportis inaaueteamcomplele, planes write us at the tdlaving address. Discover, PO Box 16318. Wilmington, DE 198505316. Please ihdhde you nine, address, home telephone number and Amount number. PERIODIC FK41 CE CNAGES. Periodic (mans Charges are imposed on all transactions tom tho date the transaction is posted to ywrAoxiunt until the date you pay your entire ' New BaW . by trmaldrig ek shown on illat is o , e?U Nowev we YA provide •? pentod' If you pate( the New Saltines m your pervious Ming slMane t by Paymient on new purchases, that is, purchases *9 appearing on this std ?e , Otherwise, New B you vd the receive ?a billing statement next mohdn that includes t kdo Fm ence Finance Chages on t ose new purchases. There is no grace period on hater= transfers or cash advances. We onyour iarhaediop into groups of purchases, ash advances. and balance tahslars ad then further sort the transactions wihn each Wow by tharA4nual Percentage Rate. For example purchases subod to a promotional role and purdhses subjedto stadardrelawodd be separate groups. We refer to these groups as transaction categories. At he end leach bang period, we compute Periodic Fvmnce Charges far each day of the lalrg period for each transaction alagay. We use tlh totlaxirg equation to compute Period for each Immaaefion category. Average Daily Bala oe x number of days in the W4 period x Daly Periodic Role. (Sae the finance charge summary on your statement for tress amounts) ThenweraddW the Penoft Fr am Charges la each transaction category to get the local Periodic Finance Chagas for your Account The average Daly Balance is shown as zero if, because of tut grace period, no Periodic Finance Charges apply to the balance in a transaction category. We use tieAweaage Daly Balance (including new transactions) method of alataGhg the balance upon which we impose Periodic Fine= Chagas. We compute th Average Daily BNernefor each transaction category by adding up at he daily balances in a blsg period for s ensadlon category and dividing the W by he number of days n.1he hifeg cycle. We corgwls tea daily balance for each transaction category o on each day by l1ral adding the Mowing to the previous day's defy balance, trarahations made that day, lees dherged hat day and Peio* Finance Charges accrued on that day. If a transaction is posted toyour Account after the dose of the filling period in which t occurs, we wB treat the transaction as having ocaared an to fist day of the billing period in which tis posted to your Account- All fah ohaged to yourAcco nil we ceded to the standard purchase trameclim category with tie exapion of Cash Advance Transaction Fee Finance Chagas which are added to the appiable cash whom humacion category and Balance Tiensfer Twisactian Fee Finance. Charges which are added to the applicable balance transfer trarhsechm category When he special rate expires. we move the unpaid beepoe of The balance tansfer and the Balenca Transfer Transaction Fee France Charges to the standard purchase transaction category : Hosiew. if he special roe has been terminated under he Default Rate Plan, we hove the unpaid balance of ft balance transfer and the Balance Transfer Transaction Fee Faeroe Charges in tin appirabte bmnuanion categoty until The special rate would have exp> W. For TDD (Telecommunications Device for the Deaf) assistance, cat 1400-347-7449. Discover may ronltor and4or record telephone cats beMem you and Discover representatives for q w1ty assurance purposes The Discovers card is issued by Discover Beak, Member FDIC. OITSK107 DISCOVER' It pays to ERNEST SOUDER DISCOVER Account number ending in 7733 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. You'll also be helping yourself to 24 months of possword•protecied, statement history, complete with merchant names, locations and zip codes. Go to Discovercom/paperless and sign up for Paperless Statements today. 092010 Discover Bank, Member FDIC 14 s PPRGRN.0810 Closing Date: April 10, 2007 page 2 of 2 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE RATE: 4.901/o. Rate is subject to the terms of the offer including expiration. Build rewards faster when you use ShopDiscover to shop for Springl Earn 5% Cashback Bonus and more at top online retailers such as Macys.com, Apple.com, and DicksSportingGoods.com when you link through ShopDiscwver at Discovercard.com/shop Through generous Cardmerrmbers like you, DiscoverjR) Card has donated more than $15 million to the Make-A-Wish Foundationp). Consider contributing your Cashback Bonus 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 www.discovercard.com or www.vvish.org ......... .._ ....... - ...... Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE Ft B es Ra tes RATES RATES QWGES ?GJ? current billing period: 31 days Purchases $6459.37 0.06299% 2299% V 22.99% $126.13 $0 Cash Advances $887.73 0.06847%. 24.99% V 32.22% $18.84 $5.00 The rates that apply to your Account ore either fixed (F) or they may vary M as noted above. Questions? Manage your account at Discover.com or call 1-800-DISCOVER 11-800-347-2683). New Balance Minimum Payment Due Account Number ending in 7733 DISCOVER' $7,851.95 $164.00 Enter Amount Enclosed Below Payment Due Date $ June 9, 2007 Please make check payable to Discover Card or pay online 0 Discovercard.com 10 SDSN8A01 0008133 ERNEST SOUDER 2607 WALNUT BOTTOM RD CARLISLE PA 17015-9329 Tired of buying stamps? Go mobilel Make and schedule payments from your phone with the Discover app. It's fast and it's free. Download now at discover.com/apps PO BOX 71084 II(„rllnur,Illl,ul,Iul CHARLOTTE NC 28272-1084 Address,a-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. 000001986458892145109078519500200000016400 Discover More Card Account Summary Closing Date: May 10, 2007 Account number ending in 7733 Payment Due Date June 9, 2007 Minimum Payment Due $164,00 Credit Limit $14,300.00 Credit Available $6,448.00 Cash Credit Limit $7,300.00 Cash Credit Available $6,448.00 page 1 of 2 Previous Balance $7,436.98 Payments And Credits - 234.98 Purchases + 501.56 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 148.39 New Balance = $7,851.95 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance New Cashbock Bonus This Period Cashback Bonus Balance .....__. Cashback-Bons Since Anniversary Month January: $13.91 CONGRATULATIONSI Your Coshbock Bonus(R) is waiting for you. Visit Discovercard.com or call 1-800-DISCOVER (1.800.347.2683) to get your share of America's #1 Cash Rewards Program. $ 33.89 + 3-46 $ 37.35 ..........._ How Can We Hel You? 1- Visit Discover eom to pay your bill 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 selfservice options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sale Lake City, UT 84130 ;Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Ts. Pt Dale Date 'Payments and Credits Apr 13 Apr 15 AUTOZONE #1849 CARLISLE PA $ -34.98 May 1 May l PAYMENT -THANK YOU -200.00 Merchandise/Retail Apr I I Apr 1-1 WAL•MART SC- # 1850 CHAMBERSBURG PA - - - -158.65- - May 4 May 4 RITE AID CARLISLE PA 55.00 Gasoline Apr I0 Apr i 1 GETTY 67639001 CARLISLE PA 80.00 Apr 24 Apr 24 GETTY 67639001 CARLISLE PA 76.00 Moy 3 May 3 GETTY 67639001 CARLISLE PA 53.00 Automotive Apr 21 Apr 21 ADVANCE AUTO PARTS #12 CARLISLE PA 78.91 'Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01616%; corresponding ANNUAL PERCENTAGE RATE: 5.90%. Rate is subject to the terms of the offer including expiration. Your Discmw(R) Card has you covered with Complete Fraud Protection for your peace of mind. Our advanced fraud warnings mean you'll know right away should any suspicious activity occur. And if your card is lost or stolen, you have $0 fraud liability guarantee-you're not responsible for any Fraudulent charges. Important Information. If Ohre is more than one page to rtes lolling statemenl, see the back of each page for addition! important information. Q (0 See your Cardmember Agreement. Your Cardmember agreement contains al the terms of your Account. o z Lost or stolen cards. Report immediately! Col 1.804347-2683. C? 8191ng Rights Summary In Case of Errors or Questions About You Oil: If you fwtk your 66 is wrong, or 9 you need more information about a trarrsartion on your bill, write us on a o separate shoal of paper atDiscover PO Box 30421, Salt Lathe City, UT 84130.0421, as soon as possible. We must hear from you no War than 60 days sherwe sent you the 6rsi IAI °o on which ft error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following irdormation: w Your name mW Amount nuaber The &W amount of the suspected error Describe the error and explain, f you can, why you believe there is an error If you need more information, describe the item you are unsure about You do not have to pay any amount in Washrn while we are ihyestigaig, but you are still obligated to pay the parts of your bat that are not in question: While we investigats your question, we carrel report you as delinquent or take any action to collect the amount you question. Special Rate for Credit Card Prrdhases: if you have a problem with the %Way of goods or swam that you purchased with a credit card and you have tried in good lath b correct fie prablemwith dve merchant, you met not have to pay the remaining amount due on the goods or services. You have lies protection only when the purchase price was more Oran $50 and in purchase was made in your horse slate or within 100 rides of your maing address. III we own or operate the merchant, or t we maned you the advertisement for the good or services, all the purchase are, coveted regardless of the amount or location of the purchase.) Payments. Send only your payment and the top portion of the statement in the envelop provided. Do not send cash. By sewing your check as described above. you authorize us to use nfemla6an on your cock to make and electronic hind transfer from you account at ft financial mstitrttion wdi sled on your check or to p ooean the payment as a check tmnsadan.If to payment is processed as an elemonwc load 4astar, the tmnsterwill be for the.amourd of the died. When we use nlamatan from your check to mace an abe6onb kid transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you wig not receive your deck back from your financal ismullon. The processing of you payment maybe'delayed if you se rid cash, correspondence or other items YAM your payment, if you send the payment so any other addressor ifyou use an drmrebpa dher flan the dtna provided. Payments received in proper form st our pmoessng tacky by 5PM local fare on any day whl be credited to yourAceamt as of that ay. Payments received at our pocessig facility afhr5PM local tine will be credited to yourAcmunf as of the next day. If you have misplaced you envelops, sad you payment to Discow, PO Bork 6103, Card Sbeem. It 60197-6103. Please allow 7-10 days for delivery. O your payment is returrhed unpaid, we reserve the right to resubmit it as an electronic debil. You can pay your minimakk payment or a greater amount ova the telephone, and you can set up automata payments. Cal us at 1-0003472663. You will need this statement and your bank amount afarnstan. You must ensure Mal sufficient kids are avaArbte in yaw bank account. and ail transactions rust comply with U.S.law. You will be a" to provide live frd 5 digits of you account siMemard ZIP code. By entering those numbers as your electronic signature. you will be agreeing b this authorization to allow to and your bank lo deduct sarh payment you autlarce has your balk smouK and to kh4sis debit or asdt entries to your bank amount, as applcabb. b Caneci error in the processing of such PsyntdR You asst tot nor to amount of each paymaK or you ran select an amoral such as Wmknum Payment Due or the New Balance on each sletemant. You con oueael a payrnact, however we must receive notice at least those buaiess days in advance of the scheduled payment You may notify us by phone of 1-000.347-2683 or by mat at to address fidW in eve limicus paragraph, f you peymmts may vary in smou t we vA tell you on each monthly awarriant when your payment wh be men and tm much h will be. You Automatic payment amount may be less then the indicated on the monthly statement based on credits or psymeMS appld during the baling cycle. Credit Reporting. We may report information about your amount b cisdit bureaus. Late payments, missed payments. or other debub on your account may be reflected in you credal Wort ft normally ieW the storks and payment history of your Account to credit reportng agencies each nenlh. O you believe that ctr report is namurste or incomplete, please wade us at do following address: Discover, PO Box 15316, Wknirgbn, DE 198505316. Please include your name, address, home teephone number end Account nurkber. PERIODIC FKANCE CNAGES. Periodic FRalee Charges are imposed on aA transactions from ft date the transaction's posted to yourAocacntuntil the ate you pay yarn entire New Balance, by making payments or removing treas. However, we will provide tbe tftwg'gmce period' If you paid the New Balance on you Pervious brig steamer! by the Payment Due Data shown an tivatstatement, and you pay the New Balance by the Payment Due Date on this sleterneM we will not repose Periodic Fiance C hahges on new purdrsses, that is, purchases firdappearng on his statement. Otherwise. you will receive a baling statement next month that includes Periodic Finance Charges on those new purchases. There is no grace period on balance translers or cash advances. tyke sorl your transactions, ido groups of pudases, cash advances. and balance transfers and than further serf the transactions within each group by teir knua Percentage Rate. For a nplepurchases subject b a promotional rate and purchases s kpa to standard ram would be separate groups. We refer to terse groups as tfanaacton caegeries. At the ansa t perbc we wrap* Periodic ? Xe Cheoges for each of the Wiling period for VaRev. (See nsecion t odegafy! We use the feYawng equation to oanpute Periodic for feach mM. Average Daily number of days Ming period Dail! charge summary on you statement for these amounts) Timms add up the Periodic Finance Charges for each barsedron category to get Me IMI Periodic Fierce Charges for your Account The average Daly Baance is shown as zero if, because of to grace period, no Periodic Finance Charges apply to the balance in a transaction category. We use he Average Daly Balance (moludi g new trmroarAors) meted of caaulatng the balance upon which we impose Periodic F.inanca Charges. We compute the Average Daly Balance for each tamantion category by adding up all the daily balances in a baling period for a transaction calegary acrd dviding the ban! by the number of days in the bFwg cycle. We canple Me daily balance fix each Yareaction category on each day by Brat adding Me following to to previous days daily balance, transaction made that day, lew caged that day, and Periodic Fiance Charges accrued on Malay. It a transaction is posted to your Account alter the close of the brig period in which it occurs, we will treat the transaction as having occurred on On idl day of the billing period in which it is posted to your Amouet Al fees charged b yauAccowt we added to the standard purchase transaction category with the exeptior of Cash Advance Transaction Fee Finance Charges Mich are added to ft apphm* dash advance transaction category and Balance Transfer Tkensactiar Fee France Charges which are added to like applicable balance transfer transaction category When the special rate spies. we mane the unpaid balance of the balance transfer and the 8cence Transfer Trarsadion Fee Finance Charges to the standard purchase transaction category. However, if the special rate has ban erlNnaed under to Default Rate Plan, we Wave to unpaid balance of The balance transfer and Ore Balance Tfamiler Tnereaetion Fee Fnama Charges in the applicable karsection category and the special ate would he" expired. For TDD (Telecommunications Device for the Deaf) assistance, cal 1-800.347.7449. Discover may monitor an dfo record telephone cols between you and Discover representatives for quality assurance purposes The DAcovae card is issued by Discover Bank, Mernber FDIC. 01TBK107 DfSCOVER DQ pays to ERNEST SOLIDER ISCOVER Account number ending in 7733 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 6e helping yourself to 24 months of possword•protected, statement history, complete with merchant names, locations and zip codes. Go to Discovercom/papedess and sign up for f aperless Statements today. (02010 Discover Bank, Member FDIC a PPRGRN.0810 Closing Date: May 10, 2007 page 2 of 2 Earn 5% Cashback Bonus and more at these new online retailers! ShopDiscover has just added more top online retailers such as Kohls.com, AnnTaylorloB.com, PetSmart.com and American Eagle (AE.com), to an already great selection so you can build rewards faster. Visit ShopDiscover at Discovercard.com/shop and start shopping today! Finance Charge Summary Nominal Transaction Av age Daily ANNUAL ANNUAL Periodic Fee Day Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CRG.O _ CHARGES current billing period! 30 days Purchases $6856.05 0.06299% 22.99% V 22.99% $129.56 $0 Cash Advances $916.65 0.06847% 24.99% V 24.99% $18.83 $0 The rates that apply to your Account are either fixed (FJ or they may vary M 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 $7,993.91 i $172.00 Payment Due Date July 9, 2007 Account Number ending in 7733 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online 0 Discovercard.com. 10 SDSN6A01 0008134 ERNEST SOUDER 2607 WALNUT BOTTOM RD CARLISLE PA 17015-9329 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. 000001986456892145109079939100200000017200 Discover More Card Account Summary Closing Date: June 10, 2007 page 1 of 1 :Account number ending in 7733 Previous Balance $7,851.95 Payment Due Dote July 9, 2007 Payments And Credits - 200.00 .Minimum Payment Due $172.00 Purchases + 185.00 'Credit limit $14,300.00 Cash Advances + 0.00 Credit Available $6,306.00 Balance Transfers + 0.00 Cash Credit Limit $7,300.00 Finance Charges + 156.96 Cash Credit Available $6,306.00 New Balance = 7,993.91 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashbwk Bonuse Opening Cashback Bonus Balance $ 37.35 New Cashback Bonus This Period + 1.85 Cashbadc Bonus Balance $ 39.20 Cashback Bonus® Since Anniversary Month January: $15.76 ZONGRATULATIONS1 Your Cashback Bonus(R) is waiting for you. Visit Discovercard.com or call 1-8004)ISCOVER 0-800.347-2683) to get your share of (America's #1 Cash Rewards Program. How Can We Hel You? p I . Visit Discover.com to pay your bill for no cost, view your l t A f d t It's your choice - 3 ways to help a ccount in ormation, earn and re es eem rewards and more 2. Call 1-8004)ISCOVER (347.2683) for fast, easy sel4erv1ce ! 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 Solt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. T a Post D te Data Payments and Credits Jun 2 Jun 2 PAYMENT - THANK YOU $ -200,00 Gasoline May 16 May 16 GETTY 67639001 CARLISLE PA 82.00 Jun 5 Jun 5 HESS 38252 CARLISLE PA - 50.00 Jun 6 Jun 6 HESS 38252 CARLISLE PA 53.00 'Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE B a es Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $7020.73 0.06299% 22.99% V 22.99% $137.09 $0 Cash Advances $935.99 0.06847°% 24.99% V 24.99% $19.87 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as rioted above. Tired of buying stamps? Go mobilel Make and schedule payments from your phone with the Discover app. ICs fast and It's free. Download now at discover.comlapps PO BOX 71084 111 It 11111111111111911111111 CHARLOTTE NC 28272-1084 Get 5% Cashbock Bonus(R) from July through September on gas, hotels, and admission to theme parks, water parks, !museums, aquariums and zoos with the Get More program. Sign up at Discovercard.com or call 1-800-DISCOVER (1.800.347-2683). Important Infcrmadon. M there is more han one page to this bung statement, see the beck of each page l or additional important information. a See your Camimember Agreement You Cardmernber agreement contains all the terms of your Accent Z M Lost or stolen cards. Reportimmediatey! Cal 1400347.2663. o Billing Rights Summary. in Case of Eras or Qresbans About Your BO: M you dank your b/ is wrong, or t you need more iMornation about a transaction on your bill, write us on a 0 separate sheet of paper at Gapver, PO Box 30421, Salt Lake City t77 841340421, as soon as possible. We must hear f om you no Mier Mheu 60 days after we sent you the fret bill 0 onwhich the error or problem appeared You can telephone us, but dodg se will not preserve your rights. In you letter, give us the following nfomabon: w Your name said Account rumber The dollar amount dthe suspected error • Descrbe the error and explain, t you cark why you believe there's an era If you reed more information, desonbe the item you are unsure about You do not have to pay any smomt in question while we are invesUparag, but you ace 30 obligaled to pay the pans of yourtO that are rat in question.. Wide we investigate your question, we cemot'reportyou as delinquentor take any scorn to cntrect to arountyou question. Spatial Rda for Credit Card Purdwes: If you have a problem with the qw* of goods or services that you purchased with a credit card and you have tried n good faith to correct the problem with he merct" you may rat have to pay to remaiang an not due on the goods or services. You have hts protection only when he pradase price was more am $50 and trig purchase was made in your tame slate or within 100 miles, of your ma&Q address. (If we own or operate themercham, or ytwe mailed you he advertisement for the good or sev ices, allhe.putahese we covered regudess of the amount or laahon of true purchase.) us aee ck 212-04mryi, wsom urrdipeeapydrionccab enart nsaeand kd e atas hne pin d loesp t4eepcdaUrOtioUrnhin iic c olfof orrtd hd e UUsaatnarasatTemerref, rhn om e n tryhanru e usetee ncvcweadluo1p bdpe erft oe Mvie tdhefed u.harOumhe coihramat t it ndssf etittnhud e tico.an lasihrdh. 6e8. ceY Wfsehed enn advn i» ng youvwsoe w rhic?nthrwdec mcor k eatib s adph etrrosam ceaisbys uod tuhrae rbdpoasvydem, iyb eont u maaals tdca e hndan ftahds may bew+Mhdrewm iron your account as soon as the same day we race ve your payrtsrd and you oil not rerehve vow dneos back from yrourtnerhdal The proo>? ?yourpri nxrP? r rf b ash. co es ence or other AS vitlr your payment, 6 you send the p Meat to sny other arfdess or dyou use an eradoPa paten" lefty .bySPMbWW*onevildaywitbeaadledloyoaAroasdaso1wday. Payrrsnds neoeivetl at au proce?irg tnarttry aft 5PM local fate wit be aedhd to yourAocoad asd Rio rent day. If you have misplooedyour envelope. send your payment to Discover, PO Banc 6103, Gerd St cam, 8.60197.6103. Please allow 7-10 days tordelivery. if you payment is reamed unpaid, we reserve the mgM 1o resubmt Ras an electroryodebiL Youtapayyarnhiantetpay3uemtaagresterameurdWertetelephone. and you can sat upoubmdepayments. Callus at14"T2683.Youwill naedthisalelaaeadend you bank socoW irdOmMO n. You meslensura.6retsulfrdad finds we available n youbank accwnt, and d fie nsecions must amplyrwith US. hm.YOU wit tie sslsd to provide Abe 6rst5i b.ofyou'eomulfsMlhrhadZlPooda By entering Ow numbers as your slectroniesigraaae, you will be agile ft to Mss authorknlion to dove us and yc r bank to deducteachpFyntwdynrrauNafnkomyourbankscownl,andto wilift claMoruedderdnestoyourbankscom,oreapphWcebls,bcaredasorinlheprocessing ofmach payawk You cast W uatre anuddeaci psym eK or you consoled an amount such as Minimum Payment Due or the New Bakn co on each statement. You eon cencel a paw hmoverwe rust mom na6ce at least has huseess days n advanced tle sledded payment. You may roily, us by phone of 1400,'i47.2663 or by rn l at the address 6afed in** previous peagwph. gyorpsprerds mayvar n sm ou t we wiftel you on each monthly statement when your payment vA be made and how much it will be. YovrAm1ome1c peytnen amoed may be less then.the indicated on the rnontdy sate nem based on credits orpsycenls applied doing the b7eg cycle. CrodrZRspor ft Nh may report kda rmallor about ynurpemunb aedt bureaus. Late payments, mssed paKnehh, or otlsr delltaMs on yo r accont maybe re6ecled M your usdl repgiWe.ricmrelyr4portlb steps avid payment thisrory of yarAOOant io credit repatug organdies each mor* M youbehmo bit ou report is iaom"w or ihokwnplete, pleasewa'te As d ii lick g ad1rim: Discover 00 S* 15316, rifarikgbn, DE 198565316. Please include you came, address, home Ieiephsre Nxiber and Aowunt number. PEwW F/OANGEGt mE3. Periodic Finance Marges are imposed on alf transactions from the date the tra sachon is pasted to yo rAccourn undil the dale you pay your entire New 0derimbymak g DaYpeNS a reoea+ng weft. However. we will provide he tpticaig'grece parW If you paid "Now Bab-on you pervious biting statement by "PayewDWDdeslsow atlhatsleeerfen end you pay 0m No Balance bypepayment DkeDate onftstelmnentwewill netimposePenodcFinance-Chogesonnow Melissa, thatis:.pkadresss t stappeeirg on use statement Oban use, you cal reoetve a biting statement next month that induces Periodic Fsance.Changes on Morse new pedrases:Thera is no grace periodm balance transfgs or cash advances. Vse serf fouierwdiocrsnb tsotps dpumdhases, cash advances, and balance t wWm and than furhersod he transactions which each group by t e rAmual percentage Rte. Fasikeri'iplapundtpiesatbtedba: rate endpurdhesesandtjedbshndsdtatewouldbesepersaproups.Weretertolhesagoinpsastrersacioahcstagoriss.Attie endaeadiAi? period,yrt . Parade Fnemis t2anges kreadh day of the ? pamdta each trseat3on cetagay 1Ne time the totiowirhg equratiam i3o aomyade Persda !a eadh.trarseci[oe ceisgbry. Aaerage Deily Baleruca x cumber d days n the b6'irg peiod x Daly Peoodre Role. (Sae the trance darge ahrmnary on yxrr etetemrmdfa Lase emouYe} TheeWredd ilV 8F Period. Faatrx (xargea tot each trarsadiorh alegay to gel to bat Period. Finance Charges to youAooount The average DaiyBalarce is slhowrr as zero i becauseai the tyrece period,rho Periodic Finarce Charges onply bathe baiehoe at a trarhsedim cetegory. We use tlekApgabaly..Below Owlift nowtransaeaxe) me" ofcalcnatng the balance upon which we impose periodic Finance Charges. We cornpule the Average Daily Bthtintceloreachka n.00 tvsift . up 41 to daily bees in abftperiodforatransaction category endQrldngthetotal. bythenumber ofdays intheDOWcyde. ftcanpislodatyb t'weedtitrarsaaorh.oetegoryoneachdaybyGataddingdalWowingtoMepreviousdaysddybalance,tresaconsmadeIlatdaylfeascarged 9halday andPaia kRa ce, Chowsoc ueden that day to tanswdm is psted b yar Aaoud eAwMa dose of t e tilling period n WK h it aces; we wit treat the Iran.,d M as hmiq omlmid on he1*'dayhof habff q pedod inwhich i is posted to yoirAoooad All r as charged toyfoirAeorietam added to the standard prdwe yn sactim category wNn the exception of Cash Advance Tmnsacbon Fee FnRve (ranges wtikh we added to the "Ac!" cash mks" aeisaatlon tdYgaymd BearaeTnensfw Tmsaction Fee Pearce Chagas which are added to the appio" balance trarAr hansadion category own totpe* rate .expiros, we move he ehpeid belabor of the balerae transfer and to ftlmce Trersfa Thmmiction Fee France Charges tots standard purchase transaction Fee Fit y Woo?her 1 iaVhe app 'E bionMmr Immkoed,rawer the W" uMi he spedd Rate PIM.We wadd have love the wW balanced l e Uelonce bashrurd O eBalw a Transfer Tra sacbon For TOD (Talecoawhwnisgiowt)evise,for the Mall assurance, call 1148043474149: Discover may mocvtpandbr moordtalephpna c*betiyean you ar4 Oiaoavec.cepceserdeEves far quality assurance puuposes The Dhcaarecard is iss*by Discover Bank; ktemberFDIC. OIT8KI07' DISCOVEK New Balance Minimum Payment Due $8,120,64 S 171.00 Payment Due Date August 9, 2007 Account Number ending in 7733 1 Enter Amount Enclosed Below $ Please make check payable to Discover Card or pay online 0 Discovercard.com. 10 SDSN6A010D08136 ERNEST SOLIDER 2607 WALNUT BOTTOM RD CARLISLE PA 17015-9329 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. 000001986458892145109081206400200000017100 Discover More Card Account Summary Closing Date; July 10, 2007 page 1 of 2 Account number ending in 7733 Previous Balance $7,993.91 Payment Due Date August 9, 2007 Payments And Credits 200.00 Minimum Payment Due $171.00 Purchases + 171.43 Credit Limit $14,300.00 Cash Advances + 0.00 Credit Available $6,179.00 Balance Transfers + 0.00 Cash Credit Limit $7,300.00 Finance Charges + 155.30 Cash Credit Available $6,179.00 New Balance $8,120.64 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 39.20 New Coshbock Bonus This Period + 1.71 Cashback Bonus Balance $ 40.91 Cashback-Bonu3G Since. Anniversary Month ...... January: $17.47 CONGRATULATIONS! Your Cashback Bcmu3(R) is waiting for you. Visit Discovercard.com or call 1.800-DISCOVER (1-800347-2683) to get your share of America's #1 Cash Rewards Program. How Can We Help You? P 1 • Visit Discover corn to pay your hfi for no cost, view your l t t A t i f i d d It's your choice - 3 ways to help a ccoun es n ormat on, earn an eem rewards and more re 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 Sox 30943, For TDD (assistance for hearing impaired) we reverse side Sak Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Data Date Payments and Credits Jul 4 Jul 4 PAYMENT - THANK YOU $ -200.00 Gasoline Jun 19 Jun 19 KWIK WAY MARKET INC CARLISLE PA 60.00 Jun 27 Jun 27 GETTY 67639001 CARLISLE PA 60.00 Home Improvement Jun 17 Jun 17 TRACTOR-SUPPLY-CO #0264 CARLISLE PA 51.43 Tired of buying stamps? Go mobile! Make and schedule payments from your phone with the Discover app. Its fast and it's free. Download now at discover.com/apps PO BOX 71084 Illn,lluunllllnrlrlul CHARLOTTE NC 28272-10841 1„I, little) 1 11111111 11111 111 11111 tell dd.. 11 Manage your account your way - whether you prefer to speak with a live person or manage it on your own, Discover(R) Card has the right account management options for you. Visit Discovercard.com or call 1.800-DISCOVER (1-800347-2683). Important kdoenation. if there is more Yvan one page to this billing statement, seethe back of each page for additional important information. See Your CaWmemberAgrerment Your Cardn agreement contains all he terms of yourAaount. Lost or stolen cards. Report inuedurehyl Call 14043/7-2681 Bitling Rights Summary. In Case of Ems or Questions About Your BR: If you dhink your bill is wrong, or 4 you need more information about a transaction on your bib write us on a separate street of paper at Discover; PO Box 30421, Salt Lake City, OF 84130-0421, as soon as possible. We must hear from you no later Bran 60 days after we sent you the fast bill on which the armor problem appeared. You cen,Wephpre us, but doing so wit not preserve yak rights. In your letter, give us the following information: Your norm arid Account number The ddw arMUm of to sugpeced error Describe the error and explain, Yyou can, why you believe there lean error. If you need more irdormafan, describe the rem you are . unsure about. You do not have to pay any smounlimquestion whale we am investigating, bAyou are sO obligated lo pay the parts of your bill that are not in question. While we invest gale your question, we carrot report you as ddngmd or take any action to soled the anoumt you question. Special Rate for Credit Card Purchases: Nyou have a problem with the quality, of goods or services diet you pkrrchased with a credit card and you have tried in good faith to correct the problem with ire merchant, you may not have to pay to remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50 end the purchase, was made in you home state or whom 100 motes of your mailing address. (it we own or operate the merchant, or ih we meted you the advertisernem for he good or services, of the purchase are covered regardless of ft amount or location of he purchase.) Payments. Send or* yourpaymert and do top portion of to statementin the envelop provided. Do not send cash. By sending your deck as described above, you authorize us to use i lormardon on you dud to make and aledntim fwd ureter from your account at the financial institution indicated an your dock or to process the payment as a check transaction. 60e payment is processed as an electronic hid transfer, to transfer will be for Ow amount of the check. When we use information from your check to make an ekmtranic fund Irsnsbr, furls may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your deck back from your hnati ial institution. Theproc11 1 ofyoutp®ymerrmaybe delayed Yyousend cash, cortesp'ondeice'drolbetRemSwithWolr#rwinl,ityoiisendlhejfvonemtoanyAdiaddtessckiPyouusean envelope otar, cantle one provided. Payments receved in proper (amt at our processing facility by 5PM local tine an any day will be credited to you Account as of that day. Payments received ato our procamill beilry, after 5PM local time will be credred to yeurAcco urd as of the r ext day Y you have misplaced your envelope, send your payment to Deroover, PO Back 6103, Cad Stream, IL 60197-6103. Please allow 7-10 days for delivery, if your payment is returned unpaid, we reserve the right to resubmit let as an eisdronic debt You can pay you minimum payment or a greater amount over the Wepbere, and you can set up autanadc payments. Cal us at 1 043472683. You will treed fts statement and you batik account infwmaion. You must arms that sufficient ksds are aveieble in your bank account, and al transactions must comply with U.S. law. You will be asked to provide the first 5 d®ib dyou account sidentenlZIP coda. By ate" those nwrwers as yaw electronic signature, you wil be agreeing to this audioruolion to allow us end your bank to dedud each payment you authorize from your bw* account, and to nbste debit or as*aelass b your back amount, at applicable, b cared ems in the processng of such payment. You must fat us due ahead of each payment, or you can select an amount such as ftlminun payment Due or the New Baiarce on each statement. You can cereal a payment , however we mat mom nuke at leasttfrse business days h advance of the scheduled paymlerilYou may noNy us byphore at 1-0.347.2683 or by mar at the address listed in he previous paragraph. If your paymarra may very in amount we will fall you on each mornddy statement when your payment coil be made and yaw much r will be. Your Automatic payment amount may be less then the indrated on he monthly statement based on credits or payments applied during the txkM cycle. Credit Reporft. We may report idomotiorh about your account io credit hxreous. Late paynants, missed payments. or odor detains on your accent may be reflected in your credit report ft normally report to Am utM payment history of yotrAcco rd to as& reporting agencies each month. If you believe Ihat our report is inaccurate or incomplete, please write us at the following address: Discover. PO Box 15316, Win ingtn, DE 198505316. Please include your name, address, hone telephone number and Account number. KW = FINA%CECIlkM Periodic Finance Charges are imposed on at transactions from he date the transaction is posted to yourAceount until he date you pay your entire New Balance, by making payments or receiving credits. however, we will provide to following "grace period' If you paid the New Balance on your pervious billing statement by the Payment Due Dote shown on tatdeaunK and you pay the New Balance by the Payment Due Date on has statement we will not impose Perodc Finance Charges on new purchases, that is, purhews first appear nt; on his statement. Odarvinw, you will receive a billing statement next month that includes periodic Finance Charges on those new purchassa. There is no grace period on balance translers or cash advances. We sort your tarsactio s into groups of purdasss, rash advances, and balance transfers and dren farther sonde transactions widan each group their Annual Percentage a ono puccases su*cl to a promotional rate and puchases skdnjeed to standard rate would be separate groups. We refer to dace tege Rafe. end ofesch bang period, we computer Periodic Finance Charges for each day of he billing ?W Pi each transaction category. use the g following roups as equation ationt categories. At efadlc ummmery a these for each transaction category. Average Dally Balaton x number of days in the D'iGmj period x Daly Periodic Rare. (See the finance e cag de summary on your our st tatetommecokn for compute ese amounts) Then we add up the Periodic Finance Charges for each transaction category to get he total Periodic Fmance Charges for your Account. The average Daily Balance is shown as zero Y, because of he grace period, no Periode From Charges apply to he balance in a transaction category . We use be Average Daly Balance (rduiling now banser4ions) method of calculating the balance upon which we inpose Periodic Finance Charges. We compute der Average Daily Balance for each fansactim category by adding up all the daily befances in e bAing period for a transaction category and dividing the told by the number of days in the wig cycle . We compuls Ibe deity balance for each transaction category on each day by first adding the blowing to the previous days daily balance, transactions made cat day, lees charged Oct day and Periodic Finance Gorges accrued on tlot day. Oa kansacbon is pond to ywrAccount after the cbse of die billig period in which r occurs, we will treat the transaction as having occurred an the lira! day of the burg period in which it is posted to your Account. Al lees charged to yourAcoant are added to the standard purcase transaction category with he exoepbon of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance tressedon category and Balance Trandw Trsnsecaan Fee Fiance Charges which are added to the applicable balance transfer transaction category. YAM the special rate expires, we move the uhpald balance of he balance transfer and the Balance Transfer Transaction Fee Finance Chagas to ft standard purchase hansadion category. flowerer, the special rate has ban terminated under the Default Rate Plan, we leave the unpaid balance oldie balance transfer and the Balance Transfer Transaction Fee Fiance Charges in the spplicelik transaction category until the special raja would have expired.. For TDD (Tetecommunirattom Device for the Deal) assistance, rail 1-800-347-7449. Discover may monitor andfor record hgephone calls between you and Discover representatives for quality assurance purposes The Discover card is issued by Discover Bank, Member FDIC. OITBK107 DISCOVER E?S??4_ww ERNEST SOUDER I Account number ending in 7733 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 f apedess Statements today. ®2010 Discover Bank, Member FMC PPRGRN.0810 Closing Dote: July 10, 2007 page 2 of 2 Finance Charge Summary Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01616%; corresponding ANNUAL PERCENTAGE RATE. 5.90%. Rate is subject to the terms of the offer including expiration. Average Dail Daily P i di Nominal ANNUAL PERCENTAGE ANNUAL PE N A Periodic Transaction Fee y er o c RCE T GE N p lances Rates RATES RATES SA current billing period: 30 days Purchases $7179.47 0.06299% 22.99% V 22.99% $135.67 $0 Cash Advances $95574 0.06847% 2499% V 24.99% $19.63 $0 The roles that apply to your Account are either fixed (Fl or they may vary (V) as noted above. Questions? Manage your account at Diswver.com or call 1-800-DISCOVER (1-800-347-2683). DISCICNEK New Balance Minimum Payment Due $8,587.07 $180.00 Account Number ending in 7733 Enter Amount Enclosed Below _ Payment Due Date $ September 9, 2007 Please make check payable to Discover Card or pay online ® Discovercard.C.. 10 SDSN6AOt 0008136 ERNEST SOUDER 2607 WALNUT BOTTOM RD CARLISLE PA 17015-9329 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 and schedule payments from your phone with the Discover app. It's fast and it's free. Download now at dmeover.comlapps PO BOX 71084 111.11111111111111111111111 CHARLOTTE NC 28272-1084 III II III (III IIIIIIIIIIII III J11111111 1111111 [ 111 IIIIIIII IIIII 000001986458892145109085870700200000018000 Discover More Card Account Summary Closing Date: August 10, 2007 page 1 of 2 Account number ending in 7733 Previous Balance $8,120.64 Payment Due Date September 9, 2007 Payments And Credits - 210.12 Minimum Payment Due $180.00 Purchases + 511.87 Credit Limit $14,300.00 Cash Advances + 0.00 Credit Available $5,712.00 Balance Transfers + 0.00 Cash Credit Limit $7,300.00 Finance Charges + 164.68 Cash Credit Available $5,712.00 New Balance = $8,587.07 You may be able to ovoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 40.91 New Cashback Bonus This Period + 4.02 Cashback Bonus Balance $ 44.93 Coshbock Bonus® Since Anniversary Month January: $21.49 CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discovercard.com or call 1-800-DISCOVER (1-80(Q47.2683) to get your share of America's #1 Cash Rewards Program. How Can We Hal You? p 1 • Visit Discover.com to pay your bg 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 Date Date Payments and Credits Jul 25 Jul 26 THE HOME DEPOT #4149 CARLISLE PA $ -10.12 Aug 1 Aug 1 PAYMENT -THANK YOU -200.00 "Merchandise/RetalT - Jul 26 " Jul-26 - OWES BARGAIN OUTLET-8 CHAMBERSBURG PA 33.31 Restaurants Aug 7 Aug 7 DAVENPORTS ITALIAN OVEN MECHANICSBURGPA 19.83 Gasoline Jul 9 Jul 11 GETTY 67639001 CARLISLE PA 63.06 Jul 21 Jul 21 RUTTER'S FARM STORE #31 SHIPPENBURG PA 70.00 Aug 1 Aug 1 GETTY 67639001 CARLISLE PA 76.00 Aug 7 Aug 7 TURKEY Hill 00236 Q69 MECHANICSBURGPA 28,00 Automotive Aug 1 Aug 1 ADVANCE AUTO PARTS #1256 CARLISLE PA 16.91 Warehouse Clubs Aug 8 Aug 8 BJ'S WHOLESALE HARRISBURG PA 133.21 Home Improvement Jul 23 Jul 23 TRACTORSUPPLY-CO #0264 CARLISLE PA 26.34 Jul 24 Jul 24 THE HOME DEPOT #4149 CARLISLE PA 45.21 Manage your budget, track your spending and avoid fees with FREE timely e-mail reminders. Loom more about a-moif reminders and other easy online account management options at Discovercord.com/reminders Important Information. N there is more than she page to this b*V statement, see the back of each page for additional important information. See your Cardmember Agreement Your Cardmember agreement contains at the terms of your AacounL Last or stolon.cards. Report krinadiatety? Cal 1MO347-2681 Biting Rights Siaamny In Casa d Errors or Ouaslk"Albut Your Bid: If you tank yourbill is wrong, or if you need misinformation about a transaction an your bill, write us on a separate sheetof paper at Discover; PO Box 30421, Sd lake City. UT 84t30.0421, ss soon as possible. We musthear from you nols[x8han 6r,) days after we sent you the first till on which the error or problem appeared. You can. telephone us, but ding sowrll not preserve your rights. In your letter, give us to larowog information: Your flame andA=o nt number The doles smart of the suspected error Describe the error and expf". if you can. why you believe there is an error. If you need more information, describe the item you are unsure about. You do riot have to pay any amount in question while we are investigating, but you are sill obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amount you question. Special Rate for Credd Card Purchases: If you have a problem with the quality of goods or services that you purchased with a oredit card and you have tried in good faith to correct the problem with de rmerdrarrt, you may riot have to pay the remaining amour due on the goods or services. You have this protection only when the purchase price was more than S50 and the Maim was made in your frame stale or within 100 miles of your medag address. (If we own or operate the merchant, or d we nailed you the advertisement for the good or services, all the purchase are covered regardless of the amount or location of the purchase.) Paymenb• Send ally yak peymaht and tie top pabon d the statement n the envelop provided. Do not send cash. By serhdirg ycnr check as described move, you authuxize hs b use nfaahaiorh on yaarceck b make and electronic told tranala frank yore amour at the firerucal nsiipion indiakd on your checc or to process the payment ore a ctneck Yam5adi0uh, itthepayment isptocesaed ea an atefuafcfird tre6fa•the basiatwrl bur to the amount dtine cnedr. When we use inbrmeion from your check o make an abchan c turd tress r grads may bur wvtdrewn tan your acmhnnt u soon as the sartte day we receive your payment, and you wv r not receive your clfedk beck tram your financial ansitWion. The processing of your m raw maybe delayed if you send cast, oorreapordenoe or Oche iterm,vA h your peymeM, A you send the payment to arty other address or if you use an arwebpe other then lire are provided. Payments received in proper fowl at our processing bdk by 5PM local fine on any day will be credited to ymAccount as of that day. Payments received at our processing body age 5PM local 61re will be credted to yourAccow as of the next day t you have misplaced your envelops. send your payment to Discover, PO Box 6103, Card Stream, IL 60197-6103. Plem allow 7-10 days far defwey. H your payment is returned unpaid, we reserve the right to resubmit it as an eteuoronic debfl. You can pay yaw warrant payment or a greater amount awe the telephhone, and you can set up automatic payments. Cad us at 1 00-3472683. You will need this statement and your ban( accent mbri ition. You roes enure that PAMOU funds are available, in Your bank socoart. and all transactions must comply with U.S. law. You will be asked to provide to 6*5 dohs of yaw euoud sideaaa ZIP code, By enteing those nunbaa as yotr electronic signense, you wig be agreeing to tie a thoiaaion to allow us and your bank to deduct each pelf ent you sutom San your bank emourht, and to nk* debit or oreCd entries b you bank account as applicable, to carad error at the processing of such payment You rash het to the amount of each payment, or you can select an amount such as hlnim m Payment Due or the New Balance on each statement. You can cancel a payment, however we must eceive nice at Mast tree business days in advarw:e of to sdradded payatenl You may notify US by phone at 1.800:347-2663 or by mail at the address listed in the prevgrs paagnph. N your payments may vary in amount we will tell you on each maeflly statement when you payment wil be made and how much n wig be. Your Wbneticpayment amount may be less than to uAWIDd on the rnor" sMtemeM based on craft or payments applied during the biting cycle. Craft Reporting. We may report inbraaddh about yo r account to crack bureaus. Lae payments, missed payments, or other detain on your account may be reflected in your craft report. Weramaly report Ina AM ad payment Wary Of your Account to credit repo" agawies each north. If you baiieve that our reports inaccurate or incomplete, pI0-write 4a at the following address: Discover, PO Boa 15316, Wilmington, DE 19850.5316. Please include your name, address, home lelephone, amber arid Account number. PERIODIC FMIANCE CHAGES. Periodic Finance Charges are imposed on all transactions from the data the transacion a posted to your Accont until the date you pay you entire New Balance, by making paymagsar reatkq creft. Harre+er, weYA piw4a,the Whowirg-gam perod• If you paid the Now Balance on your peruiats billing statement by the Payment Due Date shown on MetstakmeriL and you pay the New Balance by the Payment Due Date on this statement we will not impose Periodic Finance Charges on new purduses, that re, purchases Jim appearing on gas ataterri lWrerwise, you will receive a bring statement next month that includes Pmbdx Finance Charges on dim new purchases. There is no grace period on balance transfers or cash advances. We sort your transactions; nb groups of purchases, cash advances. and balance transfers and then lather sort the transactions within each group by theirAn uol Percentage Rate. For example purchases U4W b a promotional rate and purchases subject to standard rate wound be separate groups. We refer b these groups as tranaacdan categories. At the end of each each billing ctah period. we campus Periodic Chang d? eah?y of use bring period lor each transaction category We use the following equation to compute Periodic for calepry.AvetageDaily Balance x maribitir days billing pencil xDaly Periodic Rate. ISeethefinance diatgesummary on your statemett(ofthese amounts.) Then we add up the Periodic Fnaxe Charges la each transaction category to get the tidal Penhoo:c tnhance Charges hx your A=wd The average Daily Balance is shown as zero it because of the grace period, no Periodic Fasnce Charges apply to the balance in a trarasecion category. WersetheAverage Osity.BelatoeOckidingnewtransactions)method.of celcukingdiebalance kpahyAtichvie impose PariokicFinanceCharges .ftocmputetheAverageDaily Balance for each bereacen aategeryby adding up al the daily balances Ina billing period fare transaction rmlegay and drw6ng the oral by the number of days in the billing cycle. Wecomp ule to dYylrelarce for each tansaction category an each day by int. adding the following to tie previous days daily balance, transactions made that day, fees charged that day and Periodic Fiance Charges accrued on that day. Us transaction is pasted to your Account after the elm of the tiling period in wfhhdn it occurs, we will treat the transaction as havingocmed onftft day of tta bhlag period n Wx h tic posed o yourAomw,L in nhance C,henges n tlhe appicable Iraseotion category wrn7 the spedal role would have expired. For TOO (Telecommunications Doke for *a Dear,) assistance, cat 1.800-347.7449. Discover may monitor a dfor record telephone cars between you and Discover representatives for quality assurance purposes The DisoovW card is issued by Discover Bank, Member FDIC. O1TBK107 Df SCOVEK It pays to ERNEST SOUDER DISCOVER Account number ending in 7733 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 minion pages per year. You'll also be helping yourself to 24 months of password-protected, statement history, complete with merchant names, locations and zip codes. Go to Discovercom/paperless and sign up for Paperless Statements today. 02010 Discover Bank, Member FDIC 6 .i " PPRGRN.0810 Closing Date; August 10, 2007 page 2 of 2 Information For You .Discover Financial Services is proud to support the Juvenile Diabetes Research Foundation's Walk to Cure Diabetes. Consider donating your Cashbock Bonus(R) to JDRF and you can help fund research to find a cure. To further your donation, Discover(R) Card will add on additional 20%. Visit Discovercard.com finance Charge Summary Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01616%; corresponding ANNUAL PERCE NTAGE RATE: 5.90%. Rate is subject to the terms of the offer including expiration. Nominal Average Daily ANNUAL ANNUAL Per Iod' Transaction Fee Daily Periodic PERCENTAGE PERCENTAGE FIN FIPIANCE B n es Rates RATES RATES current billing period: 31 days Purchases $7373.21 0.06299% 22.99% V 22.99% $143.97 $0 ;Cash Advances $975.90 0.06847% 24.99% V 2A.99% $20.71 $0 'The rates that apply to your Account are either fixed (F) or they may vary M as noted above. ;Questions? Manage your account at Discover.com or (call 1-800-DISCOVER (1-800-347-2683). C New Balance Minimum Payment Due Account Number ending in 7733 DiSCVER $8,556.79 $185.00 Enter Amount Enclosed Below Payment Due Date October 9, 2007 Please make check payable to Discover Card or pay online @ Discovercard.com. 10 SOSN6A010008137 ERNEST SOUDER 2607 WALNUT BOTTOM RD CARLISLE PA 17015-9329 Tired of buying stamps? Go mobllel Make and schedule payments from your phone w!lh the Discover app. It's fast and it's free. Download now at discoveccom/apps PO BOX 71084 Illurllnnullllurlrlnl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to Irrlrllnlrrrlrl(I rrlirlrlrrrllllrloll rlrrlrrllrrlrrlrdoll rIl receive important Account information and special offers. 000001986458892145109085567900200000018500 Discover More Card Account Summary Closing Date: September 10, 2007 page 1 of 1 Account number ending in 7733 Previous Balance $8,587.07 Payment Due Date October 9, 2007 Payments And Credits - 200.00 Minimum Payment Due $185.00 Purchases + 0.00 Credit Limit $14,300.00 Cash Advances + 0.00 Credit Available $5,743.00 Balance Transfers + 0.00 Cash Credit Limit $7,300.00 Finance Charges + 169.72 Cash Credit Available $5,743.00 New Balance $8,556.79 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Coshback Bonus Balance $ 44.93 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 41.93 Cashbock. Bonuse Since Anniversary Month January: $21.49 CONGRATULATIONS! Your Cashback Bonus(R) is waiting for you. Visit Discovercard.com or call 1-800-DISCOVER II-800347-2683) to SW your share of America's #1 Cash Rewards Program. How Can We Help You? 1 • Visit Discover.corn to pay your 6M 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 last, 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 MD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 fraud frability Guarantee Use your Discover Card with confidence. Trans. Post Dab Date Payments and Credits Sep 1 Sep I PAYMENT - THANK YOU $ -200,00 Finance Charge Summary Balance Transfer offer for current billing period: Doily Periodic Rate: 0.01616%; corresponding ANNUAL PERCENTAGE RATE: 5.90%. 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 AGES current billing period: 31 days Purchases $7608.00 0.06299% 22.99% V 22.99% $148.56 $0 Cash Advances $996,82 0.06847% 24.99% V 24.99% $21.16 $0 The rates that apply to your Account are either fixed (F) or they may vary m as noted above Imporhrt hdonnunioh. If thane is more Mari one page b this billing statement, soothe back of each page for additional important nfor ation. See your t ardynwhberAgreomenc YourCardmember agreement mrdains all the terms of your Aomunt. Lost or stokn:dards, Report tnediately! Caq 14100347-2683. Bldkg Rob Starinaryr. In Cased Errors or OusslionsAbout Your Bill: If you d** your bill is wrong, or if you need more information about a transaction on your bill, write us on a srpa * slfad of paper at Discw, , , PO Qox 30421, Salt Lake City, UT 841300421, as soon as possble. We nusthear kom you no later than 60 days after we sent you the lust bill on which dowor or problem apposed. You con telephone us, but doing so will not preserve your rights. In your IOW, give us the following information: Your now andAomW m r dw Thedollar amrwpyoft a surQecbd anor Qesabe 9ta.efrcr and moss, if you can, why you believe there is an error.- If you need more information, desaube the item you ae.unsre about Youdo notbww to payamy amount In 9uealion while we ate investigating but you are still obigeted to pay tore parts of your brit that are not in question. White we irwesigate your qutas6orh, warnnrd repoA you as deitoquaN or take any acbm to cried to amount you question. Spedsl Rate for Credit Cud Purchases: Wyou have a pmblern with the quality of goods or services the your purchased with a credit card and you have tried in good faith to correct do problem with.tne nwdsent,* may not have to pay ere remaining aroumtdue on the goods or services. You have this protection only when are purchase price was more then $60 rrid the ptrehesi 11103 made in your howtw two or within 100 miss of your mating address. (t we awn or operate the merchant. nerd we nailed you the advertisement for the good or serAtma AA the pw hose, urine corned regress of ft annount or bceim d be purchase) Ptrymaerob. tieiid onl(yf ysiur paplierttaM Qie.lup potion o(the sal in the emebp provided. Do not send cash fay smdirg your chedo as drrauibed above. you authar¢e us to use. trtbrtratbsrh oiryma farridt b make artd.elrrctorlefriyd Irarisfr.fiorro your aabuit at ere 5rtnc?al irsihlion;ndiceted an yo+r check r b process Una paytnerht as a dadr trsuaoioci„plhe paymiefstiagibarxsedaean ewctrario hahdbrsfr, 0he9aridrvall be turn the anaunl of the dreck. Whran we use nfornaiar kom your dnedr b make an ihsl ,tie+dimaybewu>ikaanThornyouracmtsfassoonastruesmuettaywereceiveYourpnymenl and you withnotreceiveyourcheckbedsfromyourflnandaI Thepronessno'04-, popealmsybeddayeddy-sod'cash,rxrtesprdenoerothevitemswferyourpapneo use an onveepadbrYt .lueontpraridad Payments received in proper form at our pmeessig bdkly by 5PM local time on any day will be cradled to your Account as of that day PeXmtelfe reco ad'atourpiooedaig haliyaflor5PM local time, A be credited to yrtrAmutl as of the next day If you have misplaced your envelope, serad your payment to Disimm, POO* 6103. Gavel Skern, IL 601976103. Please abw 7-10 days for delivery. If your payment is rmarned unpaid, we reserve ere right to resubmit d as an doebododebilL Yam can pry yora,roilpfurm paNngnt ors guraNr arrtoad over the telephone, and you can setup saemaim payments. Call us at 1.6003472683. You willread this steirneatand your: aceornl aferryainrc You MUS1 enartfedracsdgaeaf lads re waliWa n your be* aocamt, and a8 transactions must conupy with US. law. You will be asked to provide the faatbdp'4d(.rygyaoosrliyelsarsntZIPa* eym 6ftthosarwwaboesa YMeteciorecsgnow,you*1beagreeing toOnaftrrm5onbodowUSandyoirbank to dedlkl lMdlQ,ay9hlgfyfal-Mr?O!?fa fmmpwrbrrk nomuaht end b ir;?b.dcbi or txedl ambiea b yuur beodo amount, as apppcabw, b correct error nthe procassig ofsuch- pap ail 56u muel.felus to enuoorf of each paprhad r you cansaled en amour surfs as ktininrn Paynrsf Due r the New Balanceon eadr sb4ement. You ran cancer a p" K. howevsrwarmrdrsoshs natoe.al least taaa busaoesa days in advance of the scheduled psymoK You msynoity us by phone at 1-8"7.2883 or by mail at the addreasesled'neheprevaus?ragapla Oyourpapoerds mayvaryoamourdwewAbtell you an sachnwntrfystatement when yourpaymentwilbemade aidhowmuch itvrflbe. YcrrAubniafdpaymmtt:moue n*beba6lmt(teildreladontmolorftsbbmntbaedonatAbrpayriantsappliedfangthebdNcycle. Cart YWrmmayyTetia(k&nwtdri about.Yowadoonrd b oredebrasrs. Late paprrerfa, misted papnants, or other debhfls on yam amount may be reflected n your craft ppnpMlf fepgtt'lhest aedprpAehthplay bf yqd Aa cif b aa6t mpaing agencies each mm h, 0 you believe that our report is inaccurate or incomplete, P "W" r0??Aia fobakgad?ass-DO-ir POPE"( ;153% Wlmkgion, DE 194505316. Please include your nom e, addess, home telephone amber mWAcmort number 13111 IC rroarrn a-14. A' Effi P rie& F11er10e (:hagee ate irpgeed on at trersediors.kom to der the transaction is posted to yourAcmunt until urn date you pay yourerigre NevnBeferuoe bytrt?iwrgyllefratl[egreufeiyig6(eel)q..Noniron.-we ptovidetre.Wb4WOoeepwWIfYoupaidfheNewBalance, on your Pervwusb?irgsbtanwMby ere,PaprntDtrg eutTgm qr (?ataialejfattt rid yqr pry to f ktw Babntce by the Paymentl3ua Dole on this s al mentwe wit nit impose Periodic Finsu m Charles on new putrdusas tat ietprrdaess Aretappsarirrgm rids stalerns Olarvnse, you will receive a biting statement next month Ihet ntktdes Periodic Finance Charges an those new pwd .Therak-Wtace.periodonbabipcebansixsrashadvances. %sartysxrkaritac#orris nbgmxpa of p!rrlataee,.cash advents, and falarro6 traralse and that fu tfar eat the transactions within each grasp by their Annual PerceNage Rate. For eiiempla ptrdiiaea atblid id a prdrtioliWW rile arid purdssesad*c1lo atenuierd rate would be separate groups. We mfr to ease goups as transaction categrim Ar the end of.rdn hNiMpemocl*a ape. Paned f initn0eCharges tr each day of to bang period to each tromaaionssegay. We use the following equation to compute Periodic Was. kssa sCaMgoty.AvsapsDiiFySabuiraxmolmofdays into biiingp*WxDaily Periodic Raw. See to finance dirgesrrnmaryonyour warrant frthese amowb:) Thamwoadd up Yre PriodssF"m Charges kfreech.irerh6eeicn rehegoryr to get the loaf Periodic Finance Charges for your Account The average Dally Balance is shown as 28reif bema ts6of the grow p%iad, for eedoduFnance chmgas apply b the balance in a trafaacbm category. JMeusantaNterage0dy8elwtos dcrdufwg'newewtsadiars}snetrodd cwlwlating theb8anca yhonwdiarvre krhpoaePatiuicFiharrce Charger We campub theArrage Daily B.elnc?e kx eisctf.lraatrpYar.oata9gprblf?/ddrtn9!?D ell pre Maly 6aanoes n a btirhg prior ex a kuaeaiat rafagry rrd avidng to what by to rwrrmr of days n to biting cycle. tNe canpuds he dilyrbdrooe foraadr keraacdoru eabgoryan ern day by fist edd'ug to bowing b tla previaa dayrs daily balance, trraactions made datsby; eras fanged that dsyaodlaeriodi:Fraruce Chryee ecauedon tlri dey,es lrorsrlroru isPo?ted byorrAnmurf sir rue dose of tabafm) periods which it orxxas, we will keel the transecion astmv4hporxYulredml pnersttol frelri ng parod'n wYgdr t s paskd fur yKarAomunL M foes dnarped b.yatAcoouif era ednkM b ere sfamdrd phtrrhase trarseclorh tvslegaywitr ere excepiah d Cash Advance Uansascerh Fee Fiance Charges wtridr ore added to ere appteeds.dsdr adveuueatrenseetdn calagry end Bdsice Fmnsfr Treumactiam Fee Finerure Charges which are added w the applicable baterroe Vander karsactiorr cetegory Wtvsitta speiiet tale ehtpsas. wemari the uipeid tisleiueeot the befaricetrauter mdthe f3alanoeTransfr Transaction Fee Finance Chagas b tta sharderi! purcase kansaciort ulegdy himweue f, i Ba spepet'fwM Ian twert(err?nbd.osudorehe Delmlt Rata Plan. we knave to unpeld balance:oi the balance transfer and the Balance Tmnswr Transaction Fea Fsrarce.t7!ergasitlheappicabla sarsaCtout catgyay oriel to apeaai taw would have expked. ForTDD (felewmafueiations Device lathe DeuB assistant, cat 1.800-947-7440: Discover maymoroWwdbrrecord Wephonecalls behreerryouandDiscover mpreselatiesfr quality assurance quality purposes The Dismr'm°cwd is issued by Discover Bank MemW FDIC_ OITBK107 DISCOVER New Balance Minimum Payment Due Account Number ending in 7733 $5,370.94 $159.00 Enter Amount Enclosed Below Payment Due Date $ November 9, 2007 Please make check payable to Discover Card or pay online 0 Discovercard.com. 10 SDSN8A01 D008138 ERNEST SOLIDER 2607 WALNUT BOTTOM RD CARLISLE PA 17015-9329 Address, e-mail or telephone change2 Print change in space above, or go to Discover.com. Print your a-moil address to receive important Account information and special offers. Tired of buying stamps? Go mobile! Wke and schedule payments from your phone with the Discover app. Its fast and It's free. Download now at discover.comlapps PO BOX 71084 111 11111111 CHARLOTTE NC 28272-1084 000001986458892145109053709404000000015900 Discover More Card Account Summary Closing Date: October 10, 2007 Account number ending in 7733 Payment Due Date November 9, 2007 Minimum Payment Due $159.00 Credit limit $14,300.00 Credit Available $8,929.00 !Cash Credit limit $7,300.00 Cash Credit Available $6,564.00 page 1 of 1 Previous Balance $8,556.79 Payments And Credits 4,000.00 Purchases + 670.57 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 143.58 New Balance $5,370.94 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 44.93 New Cashback Bonus This Period + 6.70 Cashback Bonus Balances $ 51.63 Cashback.-BonusO-Since .Anniversary Month ;January: $28.19 'CONGRATULATIONS! Your Cashback Bonus(R) is waiting for you. Visit Discovercard.com or call 1-800-DISCOVER (1-800.347-2683) to get your share of America's #1 Cash Rewards Program. How Can We Help You? 1. Visit Discovencom to pay your bhp 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 Discover Card available, options or to speak with a Customer Service Account Manager Please have your For TDD assistance for hearing see reverse side 3. Write us at Discover Card, PO Box 30943, ( impaired) SalF Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence Trans. Post Date Date Payments and Credits Oct 1 Oct 1 PAYMENT - THANK YOU $ .4,000.00 Restaurants Sep 27 Sep 27 HOSS'S STEAK & SEAHOUSE CARLISLE PA 25.20 Home improvement Sep 24 Sop 24 PAGUE & FEGAN HARDWARE SHIPPENSBURG PA 625.40 - Sep 25 Sep 25 TRACTOR-SUPPLY-CO #0264 CARLISLE PA 19.97 Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FI Balances Rotes RATES RATES CFfARGES B current billing period: 30 days Purchases $6658.47 0.06162% 22.49% V 22.49% $123.09 $0 Cash Advances $1017.65 0.06710% 2A.49% V 24.49% $20.49 $0 The rates that apply to your Account are either fixed (f) or they may vary M as noted above. Wish you could sort these purchases by amount, description or category? You can - register at Discovercard.com to view your purchases online os far back as 12 months. team more at Discovercard.com/purchases Importsm k dormatlon. Rome is more than one pap to this billing Statement, see the beck of each page for additional important kdimadon. See your CandmemberAereement Your Cadhember agreement contains al the taims of yoke Account. Lod or stolen cards: Report inahe"elyfCal 18043412683. Ming Res Siammuy. n Cawof Ends or QuestionsAbart Your Bill If you think your bill is wrong, or it you need more itamnation about a Wisection on your bill, write us on a sepe<NasjieetWpepeiet ppvdPOBox30.42t,$akLake CdyUT84130-0421,assoonasp sible.wemust hearfromyounolaterOran60days allorwesentyouthefastbill on which lheerrorar prablom oWeored. You can telephone us, but doing so wll not preserve your rights. In your IeOe , ghee us the fakwring intimation: • YaR.r!enn4end Acriunt nylfaer The dollar n wM of dq arspaded aura D-10 t e.a or and exploit t you can. why you believe there is an error. 9you need more information: describe the item you are unsure about You do riot have fo pay my amount in 9joslim while we are investigating. but you ate std obligated to pay the pans of your bill Out are not in question. While weimastigels your Waslion, weAanvi rePoityou as dafnqurad or take any action to called the anennt you question. Spada Rate for0*0CSrdPurcfiaawit o haveaproblemwkhtlnequaktyofgoodsorseMasOwyoupvchasedvistaais&mdandyouhasViedingoodtothbcoined to pwblemwith in mwdwd; you may not have to pay the remaining amount due on 11he goods or services. You bare On proration any when the purchase price was more khan good Ohwearnads Wydur ho state rwft h 00momiles of yourmailing unlal> address es(Ifweownof operate the merchant, or ifwamailedyoutlie?for&a goo Paymmh: Sad any, yarrpayatattarid t11etop Portion of stns smtemarht m the emmebp provided. Do riot sand cash. BY semditg your dhaxic ifs described abohro: you ahthaize a b krgtrnkfrnaliaf on ygr crack b make and ekctrpric fiMdOetnsfer Dom your awoutd at stns fineitcid instkuk'on aa?mkd an yow dwdkarto process the payment aS a check ransarbat. R8e payrrpat.t8 processedla an alectroric tied realer, Oe tramter wi be fa le amimt of 8e knack. Whah pre use irfgrnetiat from yaxraiack b malkean nirhatronicprdlmtpfer;itvWaphay tieaitldrawrh from.yasuraocount ere saahaa Ire sass aeywe receive yourpeymahf, acrd youwtl notsaoeve yourktackbackGam yoarun??ci?l instiaatibn. lhoPli-ingerlyourfmyimat aybedelayedAyirsendaasn.correspcrdw?ceaotherhumswithyetpay .ifyousendlihepaymertbayetlwaddressaityouwean wwdope afar than Ow oreprovvi fded..PSymenis received in proper form atour gooessinp faorlay by 5PM local time on any day wd be wedded to ywMwoun as of that day Paymensreowed atou processigfe6Rya>iter 5PM lmor'e' Orne will be ere6tad b y=Aooiart as of the nextday. If you havemisplaced yaremiloM se W you payment to U??s?cm,,.ra.,PO Baot6103; Gard Stream L601978103. Please slow 7-10 days for delivery. If yin payment is retaned.Unpaid, we reserve the right b resubmit d as an You can pay yo uaiintm psymeMor a greateramaist over the WepWK and you can set up oulomabc payments. Cal us at 14IW4472883. u will need to stafenio t and you bank aoooatihfnnmhon. You MANI6m3pre IhatSUMMat ands are 1110131W9e Mpg bank baotmr. aW 01 transactions must comply YA U.S. few. Ycu wll b s s3IW b provide OnehatsdgifaoEyoesoodnts}hfakacaZlPcode.Byentering9aaemmbersasypreledwk..aignabap.yetwill be agrasing loft etthamWontoalbwiaadyour bank lo dlWklcteaoA T!r?nt You;q!O?.ianyowbatk aoaut. aWb ivAepe debil.a aedRsrAiesbyas baMkaxuaxit. asappfsablb,b cakecfaror inihe ptooaheeieg d such pegwroM. You must Id ha the amoudof each paym ot, of you can soled an MOA such as Minamn Payment Due our the New Balance on each dole mat. You oat canal a payment; however wa, must receive nnma aIsest 8veo business days in advance of the scadkied payment. You may notify us by Owns, at 1800.3472683 or by nail at the a4-'Wed inthepreYausperagaph.Oyourpaywa tsmyvoryhnarmWwewilltell youoneach none y lhdhtAmyourpsymwwjbeMade adhowmuch kwigbe. YoarAuboyaloPay MM amount may be less than the indic" m the monthly sbtemat based on credits or paynanta applied diWQ tho bhR'sggyce- CreaRt ftepaOrg rye atiey repoatihbrniatiorh »barA yarn aaaat b axehit Dnaeahis. Late payments. missed payments, or ads dalitm an yorraowult maybe reledad in your ce tT rePotL ws ihanaAy mWihe value and paymenthisay d yourAccaatb cent reporing.age ides each month. Oyou beleve OW of repuri b Woprae or iodrrtpfete. Oeasawrkl usdtl"Dwingaddim-Dover,;POBox15316.YAkTrgb%DE19SM&I16.Pleaseincludeyournone,address, home telephone number andAmownumber, POWDIC;FR OM NOFS. Periodic Feuroe Charges am agased on al Oansaceons from to data the transaction is posted b yauAoco ntutt der"you pay your entire New Balance, byptab-V payrunentsar momAg rack }however we.vd KwWa the blowig'or- paiod'l you.pefd tM N&w BWaoeah ydaf o*w Ming sW maA by the Payment Doe bale e.. on Opt stetanaM, and you pay V* Now Balance fry to Papent Due Dam on his sNlaneM we will not impose Pe6o6cI'mance Carouse on new Woboom. that is, pure haseawappearing on this sfetemea Olaawise, you will receive a brig dolornatl next month that includes Periodic Finance Charges an dose new purchases-There is no gas perW on b eli me transfers at ash advances: Yk act yow koinsadwa i kiWoups of pwdases, cash advances. and bdsnce twafaa and den huOw sod me tronsoc ios within each gaup by OeirAmual PerraMege Rate. For ox npls p achoses abjsc to a p umodonel rate end purchases ukpdto standard rata would be ahpaatagrour ps. We rota io two gokurs as tramaokton ahgorimAt the end of each bkq pWe 1d each day of thebilirg period for each taaacfgn category. we use to following equator to ow" Poiodic a r each ) Tram wecak{ up .Ave Average Day Balance x number of do)" the billing period x Ddy Petiole RMe. (See the lsnance do" sammay on your stalanentlor the" Charges fceadhbattsvAcnkblegMto9Mfh OWPem6cFnaaoeChagesfix your Acom Thecamp UsayBalaceis - shown as zeto 9, beceues of the grace period, no Periodic Franoe Charges apply to the bake in atrartsedion category. 1Me use lieAvpaga Ds1lyBaknoa (rrcprdshg new trehsehiioas) method of cdoula&g the balance upon -which we Wpm Parodic Finance Charges. We computs the pvaege Daly Boom for each bansecion cdegaybyadding cep d Ow dolly balences in a b*V period fc s category and dvidi g the bud by the ntmber of days in theboig cycle. w8 MW& the defy balrha ioreach harhsaction cetagaryo?tn each day by last adding Oa b OAV to Oo previous days d*bafabs, tai sectiats toads thatdo%kes daged tbathlayand PeriodicFmrnce'Gwges a mad an Oat day. No Inaeacgoo is posted to your Account after the dose of the bldg period in which it occurs, we will treat the bansadisn aslut4mg carnet amthe fastdtly art the brig pared it w4hicth ks posit b your Aoookmt All fees dwood b jouiAccant are added to the standard puccase Iranaedpn alegory?w"_i?eb ?th?eelxaplm of Cash Advance Tiasaxta Fee France Cdwges which are added to to appAkdge cub advance Vanaeb6m oAsp?y.ad Betanoe Trenster Trxsacba Free Fninoe C hegaswhi h are added to the applicable balance sanskr transition aWwy. Mien tie wKW rata e>gtres. we mum the tatpeid balance of to butane Inside aid to Balance Tiasier Tiatsactim Fee From Charges to the standard Wc chase bansadart caiioM. Howreva, if the apetiel.rate.b e& been temuahatod uda the DaW RatePlen, we leave tie wpmd belana of le balance transfer and the Balance Transfer Transaction Fee Finance. MwVs in the 4*" transaction category until this spadat mile worctd lave expired. For TDO (Telocarmmniea6are Device for fhe Deaf) assistance, cal 14"7-7144. Discover may macnibr ondror recordtdephone cab between you and Onoverrepreaemtetives bf quality assurance purposes The Discover card is issued by Dmove(Sant Member FDIC. OITBK107 C New Balance Minimum Payment Due Account Number ending in 7733 DISC VEK $5,275.04 $120.00 Enter Amount Enclosed Below Payment Due Date $ 1 December 9, 2007 Please make check payable to Discover Card or pay online 0 Discovercard.com. 10 SDSN6A0l 0008139 ERNEST SOUDER 2607 WALNUT BOTTOM RD CARLISLE PA 17015-9329 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 and schedule payments from your phone with the Discover app. Its fast and it's free. Download now at discover.corrdapps PO BOX 71084 111.1411111 rrllllrrrlrli11 CHARLOTTE NC 28272-1084 1111111111111 1111[111111,1111111111111111111111111111111111111 000001986458892145109052750400200000012000 Discover More Card Account Summary Closing Date: November 10, 2007 page 1 of 1 Account number ending in 7733 Previous Balance $5,370.94 Payment Due Date December 9, 2007 Payments And Credits - 200.00 Minimum Payment Due $120.00 Purchases + 0.00 Credit Limit $14,300.00 Cash Advances + 0.00 Credit Available $9,024.00 Balance Tronsfers + 0.00 Cash Credit Limit $7,300.00 Finance Charges + 104.10 Cash Credit Available $6,564.00 New Balance = $5,275.04 You may be able to avoid Periodic Finance Charges, see the reverse side far details. Cashback Bonuse Opening Cashbook Bonus Balance $ 51.63 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 51.63 Cashbook SonusO Since Anniversary-Month ... . January: $28.19 CONGRATULATIONS] Your Cashback Bonus(R) is waiting for you. Visit Discovercard.com or call 1.800-DISCOVER )1.800-347-2683) to get your share of America's #1 Cash Rewards Program. How Can We Help You? 1 • Visit tsacover cem to pay your 61E 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 I.800-DISCOVER (347-26831 for fast, easy saXservice options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us of Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dab Date Payments and Credits Nov 1 Novi PAYMENT -THANK YOU $ .200.00 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FI Ba ces Rates RATES RATES B ? current billing period: 31 days Purchases $4318.35 0.06162% 22.49% V 22.49% $82.49 $0 Cash Advances $1038.69 0.06710% 24.49% V 24.49% $21.61 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Wish you could sort these purchases by amount, description or category; You can - re gister at Discovercord.com to view your purchases online as for back as 12 months. Learn more at Discovercard.com/purchases Important Mformation. If there is more than one page to the biting statement, see the beck of each page for additional important information. See Your Carrdnember Agreement Your Carbnembet agreement contains all the terms of your Account. Lost or stalem cards. Report ilrlediatelyf Cat 1.800.347.2663. Rli ng R'rghte Summary. In Case of Errors or Chrestions About Your Bit: If you it** your bit is wring, or 9 you need more information about a transaction an your bg, write us on a separate sheet of paper at Discover, PO Box 3012t, Sal Lake City, UT 8413110421, as sow as possible. We must hear item you no later than 60 days altar we sent you the first bill on which do error or problem appeared You can telephone us, bud doing so will not preserve your rights. In your kdler, give us the following information: • You name andAcoua number • The doter amount of the suspected error Describe Ire error and e*mn, f you can, why you believe there is an error. If you need more information, describe the item you are unsure about. You do not have to pay any anakmt in question while we are irwestigati g, bur you are slit obligated to pay the parts of your bit that are not in question. Whin we irvestgae your question, we cannel report you as datrqueri or take any action to celled the amount you question. Special Rate for Credit Card Purchases: N you have a problem with the queliry ofgoods or services that you purchased with a credit card and you have tried is good faith to correct the problem with the meschhant, you may not have to pay to rorrtaiiurg amount due on the goods or services. You have On protection only when the purchase price was more than SW and the purchase was made in your home slab or within 100 mien d your mailing address. (If we own or operate the merchant, or l we nailed you the advertisement for the good or services, all the pwdwse are covered regardless of the amount or location of the purchase) Paymerts Send only your payment and to lop portion of to stabment in the envelop provided Do not send cash. By sending yourcheck as desrnled above, you authorize us to use itdgmadon on yourdredk to make and electronc dud transfer km your account at Ie financial institution kdosted on your check or to process the payment as a chedk transaction. KBre payment is processed as an electronic kind transfer, the transfer will he lor the amount of to deck. When we use kdamation from your deck to risks an dectron is kind transfer, Nadi may be withdrawn kom.your socou t as soon as the same day we receive your payment, and you will not redXiivn your died back Nom you financial institution. Theproomq"Myour payment regbedelayed 4yotsaid cash. correspondence orother items with d use an envelopeotYher thanlreare provded. P you payment, you dsend ayvr beyment to nyourAccuntasorhatday Payments received in proper farm at our processing facility by 5Pk1 local lime on any day vaq be credited to your Account as of that Payments received et our processing tufty sifr 5PM Well time will be credited to yourAceourm as tithe next day. If you have misplaced you envelope. stud you payment :o Discover, PO Om 6103, Cad Skean, L 60197-8103. Please slow 7-10 days for delivery. N your payment is retuned unpaid, we reserve the right to resubma alas an ere tromcdebit. You can pay you min .worn payment or a grater arroud over the elephone and you can set up automatic payments. Call us at 1400.3472683. You wit reed the statement and your bark somrnl irfarrrati n. You must ensure that sufficient lends are available in your bank account. and all transactions must comply with U.S law. You wit be asked to provide the *d 5 digits of you amount statement 7JP code. By snaring lose numbers as your electronic signaWre, you wit be agteaig to this authat:aft to slow us and you bank to deduct i te A m f r rn you Wilk • and to rdiale debil or & entries your bank account. as applicable, to correct error in the processing of such permit t You must nt a OW amount of each payrrrerrl you can orated an amount such as Ifinimurn Payment Due or the New Balance on each statement You can cancel a payment, however we must rewire robot at Ieaal tree business days in advance oats scheduled payment. You may notify its by phae at 1-800-347-2683 or by mad at the address IwWinito previous paragraph. It you payments may very in an curd we will het you on each monthly statemem when your payment will be made and how much it will be. Your Automatic p*nW smou t may be less then the Indicated on the monthly statement based on credits or payments applied d t" the biting cycle. Credit Reporting. V% may report information about your account b credit bureats. Los payments, missed payments, or other detsubs on your account may be reflected in your wed report. We FOrmaly repel the stake and psynentWay of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete. please write dub at 018 following address: Discover, PO Box 15316, Wilmirgbq DE 198505316. Please include your name, address, home telephone ntarber and Account number. PERIODIC FWANCE C61GES. Pedodc Finance Charges are imposed orn at transactions from the date the transaction is posted to yourAooant until the date you pay your entire New Balance, by m"V ptynamsor receiving credits. Nowaver. wewil provide the IOlowsng'orwe period' t you pad the New Balance on your pervious trig statement by the Payment Due Deb shown on lot statement, and you pay the New Balance by the Payment Due Date on this sblwnent we will not impose Periodic Fiance Charges on new purchases, tat is. Purchases; JIM appearing on this statement of envies, you wY receive a bring statement nerd nwrdh that includes Periodic Fiance Charges on pass new purdases. Than is no grace period on balance transfers or cash advances. W* sat your tremaclors into groups of Purchases, cash advances, and balance tramfere and then further sort to transactions within each group by thei Annual Percentage Rate. For exerrpk puchoses sdnpd to a promotional rate and purchases suWd to standard rate would be separate groups. We refer to these groups as transaction categories. At the end leach bitty perol, we ow oft Periodic Finance Charges for each day of the belt rig period for each fmnsactpn caegory. We use the Noailg equation to compute periodic for each transaction category. Average Daily Balance x number d days in the bdlktg period x Daily Periodic Ree. isoe the fiance change summary on your statement br these amounts:) Theft we add up the Periodic Fiance Charges for each transaction category to get the tom Periodic Finance Charges for your Account: The average My Belanoe is show as zero f, because of the grace period, no Periodic Fiance Charges apply to the balance in a transaction category. We use to Average Deily Balance, (nabding ravrtratKadipne)trhe6od of kalalawg the balance upon which we rpm Periodic Finance Charges. We compute Ie Average Daily Balance for each tfansepiorn category, by adding tv all the daily balances in a billing period for a transaction category and dividng the low by the number of days in be biting cycle. We compute the delybalarra for each ksrsection category on each day by fist adding to following to the previous days daily balance, transactions made that day, lees charged gat day and Periodic Finance Cages anted an thnl day. t a Irarsacuon is posted to your Account after the close of the biting pedod in which t occurs. we will seat the uensaction as twdug occurred an the fiat day of the tiiimg petiod'n wich It is posted to your Accorhl. AN teas charged to yaw Account are added to be standard Purchase transaction cal" with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applic" cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added a the applicable balance transfer transaction category . When the special rake expires, we move ileanpeid balanced the balance hanster end the SalencaTransfer Transaction Fee Finance Charges to the standard purchase transaction calepory( However, if the special rate has been lamanaed uder the Default Rate Plan, we leave the upaid balance of to balance transfer and the Balance Transfer Transaction Fee Francs Charges in fie applicable krvsaction category until da special rat would have expired For TDD (Teleeomnunicadom OrAce for the 084 assistmtce, call 1400.347-7449. Discover may monitor arMlo record telephone calls between you and Discover representatives for quality essurance purposes The Disoove&card "sued by Discover Berk. Member FOIC. OITBK107 New Balance Minimum Payment Due DISCOVER' $5,172.98 $113.00 Payment Due Date January 9, 2008 10 SDSN6A01 0008140 ERNEST SOUDER 2607 WALNUT BOTTOM RD CARLISLE PA 17015-9329 Account Number ending in 7733 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online 0 Discovercard.com. Tired of buying stamps? Go mobile( Make and schedule payments from your phone with the Discover app. It's fast and ft's free. Download now at discover.com/apps PO BOX 71084 l??url?tuur????nr?rlnl CHARLOTTE NC 28272-1084 Address, e-mail or telephone changoV Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892145109051729800200000011300 Discover More Card Account Summary Closing Date: December 10, 2007 page 1 of 1 Account number ending in 7733 Previous Balance $5,275.04 Payment Due Date January 9, 2008 Payments And Credits 200.00 Minimum Payment Due $113.00 Purchases + 0.00 Credit Limit $14,300.00 Cash Advances + 0.00 Credit Available $9,127.00 Balance Trafulors + 0.00 :Cash Credit limit $7,300.00 Finarm Charges + 97.94 Cash Credit Available $6,564.00 New Balance - $5,172.98 You may be able to ovoid Periodic finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 51.63 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 51.63 Cashbock-Bonus® Since Anniversary Month January: $28.19 'CONGRATULATIONS! Your Cashback Bonw(R) is waiting for you. Visit Discovercard.com or tail 1.800-DISCOVER (1-800.347-2683) to get your share of America's #1 Cash Rewards Program. How Can We Help You? 1. Visit Discowrcom to pay your bill for no cost, view your p latest Account information, tam and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347.2683) for fast, easy selfaervice options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For MD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence I Date rons. Post Payments and Credits Dec 2 Dec 2 PAYMENT - THANK YOU $ .200.00 :Finance Charge Summary Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01616%; corresponding ANNUAL PERCENTAGE RATE: 5.90%. Rate is subject to the terms of the offer including expiration. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARM 011ARGESL :current billing period: 30 days Purchases $4202.56 0.06093% 22.24% V 22.24% $76.82 $0 ,Cash Advances $1060.05 0.06641% 24.24% V 24.24% $21.12 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above hnporGnt Irdormatba. N time is more than one page to this Wing statement we the back of each page tot additional important MforMalew- rn 0 See your Cardmember Agreement Your Cardmemtrer agreement contains all the terms of your Accanm. z rn Lost of sto!en:ca"is. Report immediately! Call IAM47-2663. a BiOV Rights Summary. In Case of Enars or Questions About Your U. If you ibidk your bill is wrong, or 't you need more information about a transed ion on your bill, wale us on a g separate shed of paper at Discover, PO Box 30421, Safi Lake City, UT 84130.11421, as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which due error or problem appeared. You can telephone us, big doig so will not preserve your aghls. In your letter, give us the following information: A Your nano and Account number ° The didar amount of the suspected error ., Describe the emu and explain, if you can, why you believe there is an error. If you need more information. describe go dam you are unsure about You do not hen to pay any amount in quesbn while we are nvestigeing, bid you are still obligated to pay the parts of your hill that are not in question. While we investigate your question, we cannot report you as de4hgoentor We any axon to celled to amount you question. Special Rafe for Credit Card Pwdisses: If you have a problem with the quality of goods or services that you purchased with a credit card and you have tied in good With to corned the problem with the mordhaa, you may not have to pay the remaining amount due on the goods or services. You have to Vow" anly when to purchase pace was more than $50 and the purchase was made in your halm slate or within 100 mks of your makng address. (If we own or operate the merchant, or Awe meted you the advertisement for the good or services. al the purchase are covered regardless of the amorht or location of the purchase.) Paymswk Send only you WuWard the by porton oil to statement in the envelop provided. Do not send main. By sending your check as described above, you authorize us to use idamelion on your dredc to make and elactronia fund banister horn your aceaant at the hrendd nsliMion indicated on your check or to process the payment as a check transaction, Kthe peysmert is processed as an electrorxa hod Vansfer, the Vansferval be for the aaaml of the dhedt. When we use iniormeVau tram your check to make an eleckonic find trarofar, funds may be widhdrsum from your account as soon as the same day we receive your payment and you will not receive your check tract nom your financial ihstimatah. The prooesnp of your payment maybe delayed d you send rash, comespadaroe or other items with your payment, if you send the payment to arty other address or if you use an envelope other than the arts provided. Payments received in props form at our processing facility by 5PM local lime on any day will be credited to your Aocount as d that day. Payerords mo*oad atair prooesirg itchy after 5PM kcal tine vA be aedled b yarAccounlas d the nod day. dyou have misplaced your envelope, send your payment to Discover, PO Boot 6103, Carol Stream, t. 601976103. Please dear 7-10 tkystor dlelvery. t your payment is returned unpaid, we reserve the right to resubmit Ras an electronic debit. You tan pay your rnirnim in payment or a greater amount over the telephone, and you can set up eramefo payments. Call us at 1600.3472663. You will road this statement and your bank woo" inhrmeiam You must entire that adfitiorht horde are avail" in your bank account. and all Uaseolon5 must camply With U.S. law. Yeu wit be asked to provide ?te wsl5dipib d you aocoud atalemad ZIP cede. By entering Otiose rtrrnhbers ea your ebkdnasc sigrsduee, you oil be agreeing to thisseth ordAbon b allow us and yourbank b deductesdh payment you act omae nom your bank amount, and b iaLate debit a midit entries b your bank somant asapp6abte, to oared worm to procaassig dsuch payment. You mar lot to to amaakt leech payment, or you can select an smart such as Minirwm Payment Due cx the New Balance on each statement. You cork cancel a payment haaever we asst receive notice at least twee business days in advance d the scheduled payment. You may notify us by phone at 1-800,347-2663 or by real at the address listed in the previous paragraph. If your payments may vary in amount we will rat you on each monthly statement alien your payment oil be made and how much it will be. Your Automate payment anhotaht may be Was, then the indicated on tie montry statement: based on credits or payments applied during the biting cycle. Croft Raporlkrg. We mayleportidomaton about your accetan to credit bureaus. Leta paymaas, missed peymats. or other ordains on your account may be releced in your credit repot.. We normally report the stylus and payment Worry of your Aowuw to credit reporting ageri iea each month. l you believe thel our report is inaccurate or incomplete, please voile us at the doh owir geddteea Oiscaver PO Bak 15316. W mirgbn, DE 19650.5316. Please include your name, address, hone telephone number and Amount number. PERIODIC FINANCE CHAGES. Periodic Finance Charges are imposed on all transactions from the data be transaction is posted to your Account until the date you pay your em se New Balance, by making payments or m cakoilg credits, However, we will provide ft kdlowing Space pabd' If you paid the New Balance on yaw pervious bilirg statement by the Payment Due Date slovn on dial AMw* t, and you pay the Now Balance by the Payment Due Date on this statenne t we will not impose Periodic Fnence Chagas on new purchases. Out is. purdiew lratappeaig on this statement Otherwise, you will receive a bft statement reel month to includes Periodic Finance Charges on lase new puchass. Thee is no grace period on balance transfers or cash advances. We sort your transactions silo groups of purchases. cash advances, and belace transfers, and than hxt ersort the transactions when each group by tow Annual Percentage Rate. For example purchases subjed to a proioionai rate and purNdoses subject to standard ran would be separate groups. We refs to those groups as transaction rsmgories. At to end of each billing period. we compute Periodic Finance Charges for each day of the biting period for each transaction category We use to following equation to con" Periodic for each transaction category. Average Daily Balance x number of days in the bikgj period x Daily Peiodc Rate. (See do fnance Jorge summary on your statanestfor these amounts.) Akan we add up the Periodic Fiance Charges for each transaction category to get the total periodic France Charges for your AceounL The average Day Balance is shown as zero it, because of the grace period, no Peniodre France Charges apply to the balance in a transaction category We use theAvaage Daly Balance (noAndikg new transactions) melod. of celanaig the balance upon which we impose Penodic Finance Charges. We compute, the Average Daily Bdarcelor each barrsac9orh abgory by adding tip Bd the daily balances in a burg period for a tri secim category and dmdrg the peal by the number of days in the hilt cycle. yye oanpaAe to daily bdaha for each lrarsadon atagoky on each days by Gal adding the klkiwig to the previous day's daily best", Varswlim made that day, ism charged that day and Parlodic Thanes Charges aCUned on that day. Na transaction is posted b your Accent after the rose of to billing period in wtech it cocas: we will treat the transaction as hMv occurred on the ft day of the biting period in which O is posted to yarAaount. Al kes dvayad b yarAeoart are added b the atarudaM purtfsae trasedion categoaywith tlha exdxtpim d Cash Adwnoe Trmnsactarh Fee Financa Charges which ore added to de appaloafhle seta advarae trateeGah category and Belarhca Trensfer Trartacfon Fes Franca (ghergas halxch as added b the anppicshte bdane iranster frensc6on Weoa tle speed nab expires, we move to unpaid tabmce d the balance Uerrefa and to Bahlernee Transfer Teasadiah feo Frtence Chagas b the slerdad pudsse traron cetaparyi ybwvver, iFlhe apecdrae has hen temensted urrbr the Defauk Rafe Ptak. we leave the udhpaid belaae d the t>alenoe Vansfer and to 8alanca Trenster Trensactim too Fnaha.Charges n die applcabb traassaioun category until the special rate would have expired.. for TDO (TdecommuNutfoan Device for the DeaQ assistance, call 1-800.347 7449. Discover may mom for ender record telephone cab beMreen you and Discover repfesenteives for quaky assurance purposes The Discovers cards issued by Disoow Bank, Member FDIC. 01TOK107 DISCOVER New Balance Minimum Payment Due $5,151.60 $114.00 Payment Due Date February 9, 2008 10 SDSN6A01 0008141 ERNEST SOUDER 2607 WALNUT BOTTOM RD CARLISLE PA 17015-9329 Account Number ending in 7733 Enter Amount Enclosed Below $ 7 Please make check payable to Discover Card or pay online @ Discovercard. corn . Tired of buying stamps? Go moblial Make and schedule payments from your phone with the Discover app. it's fast and its free. Download now at discover.com/apps PO Box 71084 Illnrnlln?rnr,llllnrnlrlnnl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space 11AIIlll11111111111111111[11111111till IIIIIIIIIIIStill 1111.ll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458842145109051516000120000011400 Discover More Card Account Summary Closing Date: January 10, 2008 page 1 of 1 Account number ending in 7733 Previous Balance $5,172,98 Payment Due Date February 9, 2008 Payments And Credits - 120.00 Minimum Payment Due $114.00 Purchases + 0.00 Credit Umit $14,300.00 Cash Advances + 0.00 Credit Available $9,148.00 Balance Transfers + 0.00 Cash Credit Limit $7,300.00 Finance Charges + 98.62 Cash Credit Available $6,564.00 New Balance = $5,151.60 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback BcmuSe Opening Cashbock Bonus Balance $ 51.63 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 51.63 •Cashback Bonusg3inae •Anniversa y Month ...................-__...............,......,..... January: $28.19 CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discovercard.com or call 1-800-DISCOVER (l.800347.2683) to get your share of America's #1 Cash Rewards Program. How Can We Help You? 1 • Visit Discover.com to pay your bA 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 selhservice our Discover Card available. options or to speak with a Customer Service Account Manager Please have y For TDD assistance for hearing m red see reverse side 3' Write us at Discover Cord, PO Box 30943, ( impaired) Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Jan 1 Jan 1 PAYMENT - THANK YOU $ -120.00 Finance Charge Summary Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01616%; corresponding ANNUAL PERCENTAGE RATE: 5.909%. Rate is subject to the terms of the offer including expiration. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FNANCE FINANCE J}g)g ces Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $4100..45 0.06025% 21.99% V 21.99% $76.58 $0 Cash Advances $1081.63 0.06573% 23.99% V 23.99% $22.04 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Wish you could sort these purchases by amount, description or category? You can - register at Discovercard.com to view your purchases online as for back as 12 months. Learn more at Discovercard.com/purchases lmporlard Intormellon. It tare is more than one page b lhisbilling statement, rest* back of each page for addi ional imporreni mlormallion. See your CardmemherAgreemenl Your Cordwallw agnxsmnt ootvains all the term of your Aooount. Lost or stolen cards. Repot immediately Cal 10"7-2663. Offing Rights Summary, la Case of Errors or Questions About You Bath: H 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 Discover, PO Box 30421, Salt Lake City, UT 84130-0421, as soon as possible. We into hear from you no later than 60 days after we sent you the first big on wNdt the eroror problem appeared You can tdaptwne us, butdostg so will rat preserve your rights. in your later, give us the tdkswatg xdormation. Your name m dAaant number The dolor~ of the suspected emu Describe the error and explain, d you can, why you believe there is an error. If you need more information. describe the darn you are unsure about. You do not have to pay any ampurl in question while we are investigatig, but you are still obligated to pay the pads of you brill that are nol in giestion. White we investigate you question, we carrot report you as detirxnrent of take any action to cow the amount you quessan. Special Role for Credit Card Purchases: R you have a problem with the quality of goods or services that you purchased with a credit card and you have vied in good faith to correct the problem with to mutant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when 0e purchase price was more that $50 and the purchase was made in your home state of within 100 riles of you naditg address. IN we oinh or operate the merchant or R we mailed you the advertisement for the good or services, aN the purchase are covered regardless of the amount or location of the purchase.) Pay-to. Send only you payment and the lop parson of the statement in the envelop provided. Do not send cash. By sending your check as described above. you authorize us to use ittixmason on your turtle to make and electronic fund transfer (norm you amount at the financial insATulion indicated on you died or to process the payment as a dads tremaction, If"peyment is processed as an electronic fund §arsle,thetransfar, will be for to amours of to+ihedk. When we use information from your check to make an electronic luhd Irerafer, hods may be wNdrawn from you account as soon as the same day we receive your payment, and you will rat receive your check back from your financial institution. The Processing of yo r psynwnt maybe deloyed'if you send cash; conespaMoue or othxrilems with your palymenl, if you send the payment to anyodie akkfess urafyou use all - envelope otter then team provided Payments received in proper form at our processing fatty by 5PM local tine on any day will be credited b yourAecont asof that day. Poymenls reosived atom processing ledityaRe 5PM local time will be credited to yourAcoonntas of the next day. If you have misplaced your envelope, send you payment to Disoontr, PO Box 6103, Card Stream, U-60197-6103. Please allow 7-10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an ebctrorpc debit YOU can pay your minimum payment or a greeter amount over the telephone, and you an set up automatic payments. Call us at 1-800.3472683. You will need fins statement and ytur bank account ifannabn. You moat ensure Rant suffidenl fads are available in you bank account. W all tramp dsaa must comply with U.S. law. You will be asked to provide tie lost 5'dgrts of you account statarme t ZIP code. By entering those numbers as you electronic signalize. you will be agreeing b this autarizason to slow us and your bank to deduct each payrneM you authorise tom your bent ecootal and b itsek debit o seta entries b yank bank acoormt, as applicable, to caret error in the processig of such payment. You must led us the smowtol each payment. oryou can select an~ such as Mnirromt Payment Dues the New Balance on each statement. You an oaneel a painters, however we must recion note at kmsttree business days in advance of the scheduled payment. You may notly us by phone at 1 00-3412583 or by mad at the address kited n the previous paragraph. R yourpaymels meyvery n amount we will tell you on each m orlthly statement when your payment wfl be made and tow much it with be. Yam Aubmsscpeyunant amount maybe lei than to initiated on the monthly stateroom based on credits or payments applied dining to billig cycle. Credit Reporting We may repot wilormeton about youraomurd b credit burema We payments, missed payments, or ogre data& on your account may be reffecled in your crentd repent. We normally report tae status ant payment history of yorAminint to credit utgehcias each math. Ryou believe thol our report is inaccurate o incomplete, pleOa9 uwibsus at the loNowing autdresa'Discover, PO Box 15316, Wntminglon, DE 1 316. Please indhda your name, address, tome telephone number and Account counter. PERIODIC FINANCE 01AGES. Periodic France Charges are imposed on all transactions from Bhe dale the transaction is posted a yourA.ccount unit the dote you pay your entire New Balance, by makingpe rrmits or receiving oedds. However, we will provide the folbvring'grece period' If you paid the New Balance on you pervious billing statement by the Payment Due Dale shown on that stelenhent, and you pay the, New Balance by the Payment Ore Dete on fins stalemtent we will not impose Periodic Finance Charges on new purchases, that's, purcases fiat appearing on this statement. Otherwise, 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 advances. We son you transactions into groups of p i rdases, ash advances. and balance transfers and than k*w sat the transactions within each gray, by their Amual Percentage Rate. For exwo* purchases subject, to a prrxrwtionel rate end puidwes subject. to standard rate would be separate groups. we rotor to those VOL" as tramectom categories. At to and of witch billing period we aomipue Periodic Finance Charges for each day of the b&V period for each tzar soclim category We use the following equation to cor" Periodic for each kersachm category,Aueage Daily Balance x number of days in the bin periodx Deily Periodic Rate. (See trio bona charge summary on your statement for these emokrds,) Then we add bP the Periodic Finance Charges for each troneectim category to gat the total Periodic Fiance Charges for you Account. The average Daily Balance is shown as zero 9, because of the grace parW. no Periodic Finance Charges apply to the balance in a transaction category. yye use the Average fkiy Balance (including now transarbma) method of alouuleli ng the balance iron which we impose Periodic Finance Charges. We compute the Average Daily Belem for eedl Lansocton camigory by adding up all tedely balances in a bnafng period for a transaction category and 6viiig Ow peal by the m>mber of days n the billing cycle. We compdAe the d dybalance for each transaction atagaryon each day by fist adding the following to the previous day's daily balance, samischons made that day, fees charged that dryad Periods Fawce Charges a= ued on let day Ka harsadion is posted to you Accent after the close of to bong period in Omar R occurs, we will treat the transaction as having occurred on to lest day of dw.bdhg period in which R is posted to your Accoija AN fees charged byourAoooud we added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges wtuch are added to the applicable crab advance transaction dalegory and Balance Tramfer Transaction Fee Fiance Charges which are added to the applicable balance transfer kansacbm category. Whirr to special rate espies we move fie repaid balance of the balance tanner and the Balance Transfer Transaction Fee Fiance Charges to the standard purchase transaction corlegory. Hamm, ii if* spsost owe ties been terminated under the Be" Rate Plan, we leave to unpaid belsoce of the be*= bansfer aid the Baianoe Transfer Transaction Fee Finance 0aw in to'AppfmWe transaction category W111 the SW* rate would have expired. For TDD (Tekowrart6alcatona Device for the Oeaf) assistance, cad 1400.347-7449. Discover may monitor ardor record telephone cells between. you and Discover representatives for quality assurance purposes The Ustoyerw cud is issued by Olecotar Beak, Member WIC. OlTBK107 c New Balance Minimum Payment Due Account Number ending in 7733 DISCOVER $5,094.15 $108.00 Enter Amount Enclosed Below Payment Due Date $ March 9, 2008 Please make check payable to Discover Card or pay online 0 Discovercord,com. 10 SDSN6A01 0008142 ERNEST SOLIDER 2607 WALNUT BOTTOM RD CARLISLE PA 17015-9329 Tired of buying stamps? Go mobilel Make and schedule payments from yaur phone with the Discover app. It's fast and k's free. Download now at discover.com/apps PO BOX 71084 111url6unrl111ru1r1u CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space , 11??1???1?11i??)?? ?1r??1+11iiilrilri1r?11rr1?rli?lilrill above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892145109O50941500150000010800 Discover More Card Account Summary Closing Date: February 10, 2008 page 1 of 1 Account number ending in 7733 Previous Balance $5,151.60 Payment Due Date March 9, 2008 Payments And Credits - 150.00 Minimum Payment Due $108.00 Purchases + 0.00 Credit limit $14,300.00 Cash Advances + 0.00 'Credit Available $9,205.00 Balance Transfers + 0.00 Cash Credit Limit $7,300.00 Finance Charges + 92.55 Cash Credit Available $6,564.00 New Balance = $5,094.15 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashbadc Bonuse Opening Cashback Bonus Balance $ 51.63 New Cashback Bonus This Period + Q.O? Cashback Bonus Balance $ 51.63 Cashbaek• BonusS Anniversary Month: January CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discovercard.com or call 1.800-DISCOVER (1.800-347.2683) to get your share of .America's #1 Cash Rewards Program. How Can We Hel You? 1 • Visit Discowacom to pay your bit for no coq, view r p latest Account information, earn and redeem rewa s and more It's your choke - 3 ways to help 2. Call 1.800-DISCOVER (347.2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card PO Box 30943, For TDD (assistance for hearing impoired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. TraDatans. Post Payments and Credits Feb i Feb 1 PAYMENT - THANK YOU $ .150.00 'Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE ato es Rates RATES RATES CHARM CHARGES current billing period: 31 days Purchases $4044.83 0.05682% 20.74% V 20.74% $71.24 $0 Cash Advances $1103.32 0.06230% 22.74% V 2274% $21.31 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above Imponant!nformation. t there is more then one Page to tis trilling statement, see the beck of each page lot additional important information. 0 See your CaMnumberAgreement. Your Cardmember agreement contains alt the terms of Yom Account z m Lost or stolen cards. Report immediately! Cori 1900.347.2663. c Biting Rlgkts Su weary, In Case d Errors or Question About Yam U If you tidcyds bill is wrong, or 4 you need m is Wotmabon about a tanseciondm you hill, write us on a separate sheet of paper at Discover, PO Box 30421, Salt Lake Gy. UT 84130 0421, as soon as possible. We must hear from you no bier # an 60 days after we sent you tlw first big on which the error or problem appeared You an telephone us, but doing so will not preserve your ague. In your letter, give us the following intormimm- A Your nerve and Account nuthiber ro The dollar annoaq of the suspected error V Describe the error end explain, A you can. why you believe there is an error. If you need more irdormation: describe the item you are unsure about- You do not have to pay any amount in question while we are investigstalg, but you are still obigated to pay the pads of your bur that are not in question. While we investigate your Westion, we amrt mpwyw as delinquent stake any adios to Wiled the amountyou question. Special Rate for Crack Card Purchases: 9you have a problem with the queYty of goods or services that you purchased with a credit card and you have tried in good faith to anew the problem with tie mecant, you may not have to pay ire remaining amount dire on the goods or services. You have iris protection only when the prrc ese price was mare than $50 dud the purchase was made in you trove state or within 100 nines of your mailing address. (Y we down or operate temerchant, or it we mailed you the advertise at for the good or services, all to purchase are covered regardless of the amount or location of the purchase.) Payments. Send only your p*nW and the top portion of the statement in the envelop provided. Do not send cash. By seruiing your credo as described above, you authorize us to use information on you deck to rake and electronic lend transfer from your account at the finenaal irxsbuton indicated on your check or to process the payment as a check trerhaadamn, tf tlw s processed as an electronic had transfer, the transfer will be for the amount of the credo. When we use Wormaion Iran your chock to make an electronic Lund bsau funds may be withdrawn from.your account as aeon as the same day we receive your payment, and you will not receive your crack hack from your fsrarcial ikon. The processing ofyowpayment maybe delayed I you sexlcash, comespokdence or other items with your paymment, if you send the paym eriM any other address or if you use an envelope other Van the one provided. Payments reaned'rr proper form atom processing b*y by 5PM local Ilene on arty deywO be aediked to yarAcaknl as d Ow day. Payments. eceived al our processing factory after 5PM local time will be credited to yo rAocant as of the rextday. If you have misplaced your envelope, send your payment to Discover, PO Book 6103, Cool Steam, IL 60197.6103. Pease allow 7-10 days for delivery. If your payment is returned unpaid, we reserve the right to reskbnit it as an ekcranic debut. You can pry your minimum peyrnertora greeter amazed over the kelepone, and you can setup auhmaic paymera. Call us at 1800.3472663. You wi need tis statement and your bank account irfam llon. You must enure thatadaat( karts are available in your bank account, and oli transactions must complywifh U.& far You will be asked to provide o Ind 5Chofyqu account zip code. By entering those numbers as yomeeceonyc signature, you will be agreeing to this authorization b allow us and your bank to d paymentyokk aulholinkorn your bank am", ant to sitiaW debit or credit entim b your bmkaocount, as appficali b cared em in the prooeswg d such peyn s t You must tellus tleamoud of each peymenl, or you can seed sn annum such as Minimum Payment Due or the Now 8dance on each statement. You can cancel a paymeK however we mwtrocer a notice at fast tree business days in advance of the scheduled payment You may afny lea by phone at 1-800.347 2663 or by mat at the address fisted in the previous paragraph. If your payments nay vary in avant we will tell you an each monthly statement when your payment will be made and how much d will be. You Aubm§ko payment arawrdmay be leas Ihon the imdicelad on the monthly statement based on weft or payments applied during the bitting cycle. Craft Repor ft Womay report nbmetion about your adcewd to credit bureaus. Late paymew. missed payments, or other defaults on your a=" may be. reflected in you a" report, We normally report ft status and payment halory of yorAocant to audit reporting agencies each month. It you believe that our report a inaccurate a incanplels, pease write to at tw folbwitp address: Discover, PO Box 15316, Wnmingbn, DE 198505316. Plasm include your name, adkkass, home telephone number and Account number. PERIODIC FgtWE CHAGES. Periodic Finance Charges are imposed on all trarsoctions from to date the transaction is posted to you Account until the date you pay your entire New Balance, by making payments or receiving creft. However, we will provide the folowi g 'grace period' If you paid the New Balance on your pervious Ming statement by the Payment Due bale shown on that statement. and you pay the New Balance by the Payment One Date on this statement we will not impose Periodic From Charges on new purduses, that is, pedrresfirst opposing on W statement. Otherwise, you will receive a burg statement nem month that includes Periodic Fnance,Charges on toss new Purchases. Thera is no grace period on beence bashers of ash advances. INa sort yon transactions kdo groups of purchases, ash advances, and balance transfers and then tither sod the Irarma piers within each group by teirAnual Pecentege Rene. For example purdhams %*d to a tim obo al mote and purdwses subject to standard rate would be separate groups. We refer to two groups as transaction categories: At the end of each Whinn period. we oorrpule then nance x nth of days each day of In billing period for each transaction category. We use the toiaznng equation to oorysde periodic for each transaction rawpory Average Doty days in the billing period x Deily Periodic Rate. (See tla trance charge wrrrary on your statement for #am amou is,) Then we ad uplha Reriodic Finance Charges for each Iransodan category to get the foal Periodic Finance Chagas for your Aoma. The average Daily Balance is shown as zero d, because of the grace period, no Pefioft Finance Charges apply to the balance in a hanmc ion category. War use iwAverage Defy Balance (including newtravseetiorw) method of cekukb%tw balance upon which we impose Periodic Fineroe Charges. We. compute the Average Daily Belanee for each baaaaGOrh.eategoy by Willing up all the daily balances in a billing period err a transaction alegay ad divndng de total by the number of days in tels'Brg cycle. Waoompnte tw d*.baerne breach transaction category on each day by test adding the following to iw previous days daily be!ionce, transactions made that day, fees charged tot day and Peiio&Finance Charges accrued on net day. to transaction is posted to yaaAccaad alter tw dose of the billing period in Mich it occurs. we will teat to transaction as hM g occurred onthe"f dday oflhe billing period in which it is posed b you Account. Ai fees charged to your Amount are added to foe standard purchase transaction category with the e>mplion of Gash Advance Transaction Fee Finance Charges which are added to tw applicable cash arkratae transaction allegory and Balance Transfer Transaction fee Francs Chagas which are added b to applicable balance tramwfer transaction category "hell the sp.KWroe expku. VM move toe unpord balance o (the balance trenSIN and the Balance Tiaefer Tratseition Fee Fiance Charges to the standard purchase Vasedion Category. HOUPOW. Nthe special rift has been fonnwwted under to Defame Rude Plan. we Wise #a unpaid balance of the balance transfer and be Balance Tmr*W Transaction Fee France CkwM in Vie applicable traseciion crregory until tw npecW rate would have expeed. For TM (Talecommunicsbons Device for the Deaf) assistance, all I-M. 47-7449. Da-ver may morWaa endfor record telephone caps between you and Discover representatives for quality aseuana purposes TW piacove o Md is iwied by DMW Bank, V=6w FOtc. OITBK107 New Balance I Minimum Payment Due Account Number ending in 7733 DISCOVER' $3,153.11 $74.00 Enter Amount Enclosed Below Payment Due Date Apn1 9, 2008 Please make check payable to Discover Card or pay online 0 Discovercord.com 10 SDSN6A01 0008143 ERNEST SOUDER 2607 WALNUT BOTTOM RD CARLISLE PA 17015-9329 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 mobtlel Make and schedule payments from your phone with the Discover app. its fast and its free. Download now at dlscover.com/apps PO BOX 71084 111 11311111 Is 1110111111111 CHARLOTTE NC 28272-1084 1.,1.111111.11111whr11111r1111r..Iui 000001986458892145109031531102000000007400 Discover More Card Account Summary Closing Date: March 10, 2008 page 1 of 1 Account number ending in 7733 Previous Balance $5,094.15 Payment Due Date April 9, 2008 Payments And Credits 2,000.00 Minimum Payment Due $74.00 Purchases + 0.00 : Credit Limit $14,300.00 Cash Advances + 0.00 'Credit Available $11,146.00 Balance Transfers + 0.00 Cash Credit Limit $7,300.00 Finance Charges + 58.96 Cash Credit Available $6,564.00 New Balance = $3,153.11 You may be able to avoid Periodic Finance Charges, see the reverse side for details. C.ashbacft SOnuse Opening Cashback Bonus Balance $ 511.63 New Cashback Bonus This Period Cashback Bonus Balance $ 51.63 Cashback Bonus® Anniversary .... Month: January CONGRATULATIONSI Your Cashbock Bonus(R) is waiting for you. Visit Discover.com or call 1.800-DISCOVER (1-800.347-2683) to redeem. How Can We Help You? 1. Visit Discover com to your bill for no cost, view your latest Account information earn and redeem rewards and more ft's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347.2683) for fast, easy selhselvice 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 Safi Lake City, UT 84130 'Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Feb 16 Feb 16 PAYMENT- THANK YOU $ -2,000.00 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic F. Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rotes RATES RATES CHARGES 4CHARGES current billing period: 29 days Purchases $2345.59 0.05682% 20.74% V 20.74% $38.65 $0 Cash Advances $1124.12 0.06230% 22.74% V 22.74% $20.31 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. rnporhent Intaina4foii. Y.Yiereismae tlheb one pop to the Wirhg statement seethe back of each page for additional important information. o See yourCaftima nberAgreWinent. YaeCMmemberagreament contains all the terms of your Account. m Z Los(ortrtolat umW R*dimmedieteq! Cap I-MU7.2683. o BYiing Rfghta Sfigirtary'to Qwof Egors or Quit MniAboutYow Bill:9 you ink your bill is wrong, or t you need more intatnaion about a transaction on your bile, write us on a _ o sihperete s(teetpj'praparatDicaver PD Bat30421, $at Lake City, liT 84(300421, as soon as pas". We must hero from you no later then 60 days after we sent you the lust bill °o vrtvAhidt the'.tafgrat pltilterpeppe¢ed You earn Wephorte us, but doing sovA not preserve your fights. In your letter, give us the following information: w A Yak name. 94Aoboutt mpabpr E. The dolor dmq!riff dUteatpeded war ti 4esgiltefhaertgr0q0 tlhplaet dyou can, whyyoq Wpa lbere a An error. If you need mane nfomtetim, describe the item you are unsure about You.& rot hale Wpay apy amourtn quesim while tm are Mil seligeAng. but you knit still obligated to pay the parts of your bill that are not in question. While we nvastigete your quavion,we ceraatrepaLyou asdefi querdertake "20M to ailed the anicumyou question. Special Rab far Credit Cud Purch sa: ICym bave'a problem with On quality of goods or services that you purchased with a credit card and you have fried in good Faith to correct ttap oblam wlYr.Yte mercharill, you may not here b pay to remaining smut due on the goods or services. You have has protection only when the purchase price was more then $50 Will Ya fwdwe.was'" ih yolk lame stab orwt n 100 mien of your moiling address. (t we own or operate the merdnant, or if we mailed you the adverlisementfa the good orserncpa.,d ft We ase we covered hgedens of the amount or localim of the purchase.) Paymrmb. Seal d'*ynuPtrWiOrit'and ft tapporlim of tie ablement it Ya envelop provided. Do not send cash. By sending your creek as described above, you authorize us laude.iix.mi ciayardadkiomakeerd.ela pictstd0W4&from your account atthefranticnstilutionindicated onyour check ortoprocess thepaymentasadock trapactiai,.NlbepeyateM is pmornsed.sran aleWareoll nil transfer. lher trwafer wN be Itrthe amount of the deli. When we use information from you dads to make an olocirani hsria maybe wditGuwn ian:yo r account os aeon as pre same day we receive your payment, and you will not receive your deck beck from your linandel Tb praomdnB afywlrpsyaaeM r!teyb?delgwd Yyou send cash, ooneWtderm ar odor items vAh your paratrit, # you send the payment to"oow addrensa wyou use an anvatops otlar Yuan iheara ptgwdad Peytnanle received n properfam stark processing W* by 5PM boal lime on any day will be credited to your Account as of tat day. al ourpmoeastnp ON 5PM boat timer be credited b yorrAcmut as of Me next day. ff you have misplaced ym envelope. send your payment to == I 03,,Card Stream, IL 6b197-6103. NO& allow 7-10 days fordeiveg.. If your payment Is resumed unpaid, we reserve the V m resubmit it as an elecironiciJift You can pay yo r rdimant feymedara greateraatuht overlie leiaphate,.aul you an set up automatic payments. Cell us at 1.800.3472683. You will reed tha statement and your batreooout nformation: YOUR" pta!re thatstrtiaet finds we available io, bend account, end of transactions must comply with U.S. law. You wig be asked to provide Yte first 5 dfgilaof yptt gomutfapbraMZIP.ooda. By end ft prove tttrn6aa as your deotorac aigabrt, you will be agreeing b this autlefvation to allow us end your bank to 6eden4 each PayrnsdygnatYhoriaeirgn yarberAcaoraukt and b ire deM or credit entries to your balk account, as applicable, to oared error in the processing of such payment You no Fat us the anaw of each psy roerK or you can select an amwnt ash as ht rinxrn Payrtihat Due OF do New Balance on each statement You can carnal a psyrnsrt howaverwe must mcm meta at low I m business days in advance of the sdaduled payment. You may ratify us by phone at 1-000,347-26a3 or by mad at the address isled in the previas paragraph. Nyour payments may very n aaturtwo will lei you on each rtrorday, statement when your payment will be made and how much it will be. York AuMallicpeytnant amount may be Was then to indaled on Ye nerift smfarnent based ona*& or payments applied during the biting cycle. Credit Repo ft We may report nfaniatorrabalf.youacmtatt b creditbueaus. Late payments, missed payments, or order defaults on your account may be reflected in your acct report We 6R* rgpod'10 dittos end (teynrerd history of your kmant to credit - agencies each month. If you believe the our resort is inaccurate or namplete, please write ufs alt(ie taioaiagadduetla Qisayer, PO Box t53i6, , f>E 1 "Piano inckde your Tom, address, home Weplare number and Account number. PERIOMG.FNANCE CHAGES, Periodic FmOnce Charges ail imposed on at transactions nom the date to transactions pasted to yourAaount until to date you pay your acre New Bdatce, by Mel"' payments or receiving credits. Flow . wa will provide the """grace period" It you paid the New Balance on your peneiorw billing statement by the Paysrwt Due Dais yawn an If el slat ti art(, and you pay the Now Balarm by Ow Payment Due Date on tltis statement we will not impose Periodic Finance Charges on new ptrdeaes, fuel le, prrdresorkmappeanig on tts swentent. Otherwise, you will race ve a bang statement next month that includes Periodic Finance Charges on those new pudases. There is no grace period on belence bansfers or ash advsroes. We sort your tllllaeatieM rsb groups of purchases, ash advances. and balance isssfers and then fuYecsort the transactions whin each group by their Annual Percentage Rate. f%aaur ptaQuedeessst8yeoto apmmobartd ids and purchases subjectm standard ant would be separate groups. We refer to ease groups as transaction categories. At the ?. we aomvuis Periodic Ftnara Charges for each day of Ya bring period for each transaction category. We use the following equation to compute Periodic and of each billing ans for each Gregory Average Daly (Wan o; x number of days In the billing pared x Daily Periodic Rate. (See the finance diahge summary on your statement for these amounts:) Them we add up the Pedodic Fnace Charges for eachtrarsadion allegory to gel the teal Periodic finarue Charges fa your Account. The average Daily Balance is altar, as zero it. because of the gee period, no Periodic Finarre CIrages apply to the balance in a transaction category. We tea the Average (ahdudrg for each t(aoryby een arract d T Pandro F ocnsed dNef he. uycxned obiingPeriodntr4tichilaposlsdbyauAabum. AN fees charged to Wiltwounl are added b In standard pudaae bromacton a" %0 the arcepfion of Cash Advance Transaction Fee Finance Charges which are added to the appy ble cash advance transaction category and Balance Transfer Transaction Fee Fwuta Barges which are added to to applicable balance transfer transadion category When special rays upiea, we move the unpaid balenbe of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase Inumadion category, however. Ifle specidYala has been laminated under to DaWA Rate Plan. we leave ere unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges in the ap*eb(e lraaad'an category unlit to speed two would have expired. For TOD (Telecommunications Devicefor the Deal) assistance, cat I -M347-7449. Doan may monta arxra record b 0*m cells bahves(r you and Docove r nspreseMalves for quality assurance purposes The Dwaved'cud is issued by Oitoover Bank, Member FDIC. OITBK107 DISCOVER New Balance Minimum Payment Due Account Number ending in 7733 $3,108.18 $71.00 Enter Amount Enclosed Below Payment Due Date $ May 9, 2008 Please make check payable to Discover Card or pay online 0 Discovercard.com. 10 SDSN8A01 0008144 ERNEST SOUDER Tired of buying stamps? Go mobilel Make and schedule payments from your phone 2607 WALNUT BOTTOM RD with the Discover app. It's fast and ft's free. CARLISLE PA 17015-9329 Download now at discover.conVapps PO BOX 71084 ?IInrlluuullllurlr?rr CHARLOTTE HC 28272-1084 Address, e-mail or telephone change? Print change in space 1111111111 rill III fill 111silu111111n(1 above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892145109031081800150000007100 Discover More Card Account Summary Closing Date: April 10, 2008 page 1 of 1 Account number ending in 7733 Previous Balance $3,153.11 ;Payment Due Date May 9, 2008 Payments And Credits 150.00 Minimum Payment Due $71.00 Purchases + 49.16 !Credit Limit $14,300.00 Cash Advances + 0.00 :Credit Available $11,191.00 Balance Transfers + 0.00 ;Cash Credit Limit $7,300.00 Finance Charges + 55.91 'Cash credit Available $6,564.00 New Balance = $3,108.18 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cash6xk Bonuse Opening Cashback Bonus Balance $ 511.62 New Cashbock Bonus This Period Cashback Bonus Balance $ 51.75 Cashback BonusO Anniversary Month: January CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discover.com or call 1.800-DISCOVER 0-800.347.2683) to redeem. 1. Visit Discover com to pay your bill for no cost, view your How Can We Help You? latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.8004ASCOVER (347.2683) for fast, easy Wf4ervice 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 Uabflity Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Apr I Apr I PAYMENT - THANK YOU $ .150.00 'Home Improvement Mar 13 Mar 13 TRACTOR-SUPPLY-CO #0264 CARLISLE PA 49.16 Finance Charge Summary Nominal Transaction D Daily ANNUAL ANNUAL Periodic Fee aily PERCENTAGE PERCENTAGE flNANCE FINANCE Balances Rates RATES RATES CHARGES CHARM current billing period: 31 days Purchases $2032.95 0.05477% 19.99% V 19.99% $34.52 $0 Cash Advances $1144.97 0.06025% 21.99% V 21.99% $21.39 $0 'The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Impoibnt hhform'atfon. tf time is more than one page Tothis billing statement seethe bade of each page for additional important information. p Sec your.C"nermerAgreement. Your Caidmember agreement contains ait Ore tams of yourAcoount. z tatbraiolen:eatde:Reporti mediatelylCaN1 00347=2663. o BE% Summary: In Cass of Emo s or QyestioneAhout Your 04: Ifyou think your bill is wrmg, or i you need more W m dm about a#araddiofh on youth N, voile us on.a o Words she sidpapei striecarei, Posox 30421, 69 aka City UT 841340421, as soon ss Possilia. We must hearfiaa you notater l ian 60days agar we senS you the to bill 6 on which the aroror Wier appeared You cen.tebphone us, but doing so will not preserve your rights. In your letw, give its the following information • Yo r name andAcco nt number ° The ddu amouri of flie error Describe tfe erraand expkq t you can. why you believe them is an error. If you Dead more nformalion: describe the gent you we unsure about You do not have b payaanyamount in question while we are avesigatig, but you are M obligated to pay the pars of your bill that are not in question, While we investigate your question, we cannottepatyou as delinquent or take any action to cobd the amount you question. SpecW Rabe for Credit Card Purchases: If you have a problem with the quality of goods or servioas that you purdmsed with a credit card and you have tried in good faith to tarred ON problem with to mrchaK you my not have to pay the remaining amount due on the goads or services. You have ft Protection only when the purchase price was more 1 hen $50 and the purchase was made in your hone state or within 100 miles of your maTng address. Of we own or operate to merchant, or Iwe mailed you the aduedisemantforthe good or servieds, all the puchase are covered regardless of the amount or lecatim of ft purchase) prgmnsnb: Shmhd only ydr payrriert.ad the lop portion of Oe atearrent in to emralap provided. fh rhx sand wsh By aendirg ydr dads as dasaibad above, you andhai;e us b usenbmtetm bnyour deck b matte and electrorhiofind tiarskr from your ewaartt at to tirsrhaal irhstrlttton indicated m yen deck or to pmce? the peyrrpnt as a deli smsackm.]I the pefarant is prooesseQ as an decvmic dud lran?er. to lrerhslar x+l be for pha amount of the dadi. whenwe hoe Krlarraim ban yar dadi a make an ekc9npnio (iahfl trareter, hrhds.rney be withdrawn hom.yorr eeceunt as aver as is carne day we receive you payment, and you wgl+at receive yar dhede beds from yqur rnarxiet iatihrdon . The processing of yaw payment maybe delayed if you send rash, mrespordenae or other item wilh yourpayment, tyou send the payment to any other address or dyou use an envelope etartharn tta ors provided. Paymera teemed in proper form at our processing baity by 5PM local lime on any day wait be aadfad b yo rAccaunt as of thN day Payments received at our processing facility after 5PM local Ume will be credited to yo rAtaoadas offs reM day. If you have misfAM d youenveope, sarM your payment to Discover, PO Boot 6103,,Card Sbeam; IL 60197.6103. Please allow 7-10 days for delivery t yair payment is reltaied unpaid. we reserve to dgbl to rissubml it as an sledrmicdek You con pay yourmbrrrimam payment or a greeter smont over. the blephore, and you can set up automatic payments. Callus at 1-8"72683. You will need this settlement and you beak soma sdanhaton. You must amuse fret sufficient funds are available in your bark aocast, and all Wrsseacas must comply wtth U.S.law. You wit be'askad b provide the W 5 dfgilaoryfo ecoount stearmert ZIP code. By anbrirg treat numbers as yauelectmiafprehsq you will be agreeing b the aut ralion to allow us wWyour bads to ?{p deductoadfpsymoN h?euthw¢atanyourbrrdraorwurrt andbirh .debtarasdit sbyaabaMrausoud asapplia?ble:FooarederranlhepmcessagWsudh " ?, ? peymeiG. You mat N us the amount olsach payment. a you consisted M amout such as Wwri m Payment D Aeor the New Balance an Beth aboferient. You an cmW a payment however we mat receive Mike at least three business days in advance of the scheduled payment You may notfy us by phore at 14l"7.2=1 or by mat at the address bled in is previous paragraph. If yaw papents may very in amount we will fink you on each narrtdy statement when your payment will be made and how much it will be. Your Automatic paymnt annul maybe less then to radiated on the mordltr statement based on credlte or payments applied dung If* W% cycle. Credit Rapo ft. We may report adormatim about your account to credit braeaus. Lett payments, missed payments, or other defedls on Your amount may be receded in your dealt reporL. We roreally report the status and paymment history of your Account to credtreportng agencies each month t you believe tfel our report is Inaccurate, or incomplete, please mite us att a fobwig addi Discover, PO Box 15316, Wilmington, DE 198506316. Please include your name, address, bums tekplume number aridACceunt nirnber. PERIOBIC FINANCE CHAGES. Periodic Finance Charges are imposed on all transactions, from the date the transaction is posted to yourAcaount until the data you pay your enpre New Brit once, Iryr makilg payments or receiving credits. However, "will provide the klowing'grece period" tf you paid the New Balance on:youpervnis berg statennentby the Payment Due Cab slain on owl statement, and you pay the New Balance by de Payment Dus Date on dim skkme t we YA nil appose Perod a Finance Charges on new purchases, that is, puehaaeafrat appearing on this stalerenl Oterwise, you will receive a bring statement net morph tat includes Periodic Finance Charges on those new purchases. There Is no grace period on balanceaaslars or cash advances. We tied your fi insectione into groups of purchases, cash advances, and balance tremsfers and den further sort to transactions whim each gap by disk Annual Percentage Rate. For exenple pirdraw subect b a promotional nib and purchases subject to standard rate would be seperao groups. We refer to two groups as transaction calegoies. At the. of the period for each trartsaction cal". Wit use the Ulowing eqUiltiOn to and of each he ms ared x D for each tra n calvary. Average Oaly Balance numbre of days in th e b ft p aily Parodic ItA fe. (Sae dw kia ce cage summary on your stalsimerd for these, orno,nis.) Then we add up Ore Periodic Finance Charges ter each transaction category to get the bbl Periodic Finance Charges for your Account The average Darcy Balance is shown as zero it, because of the grace period, no Periodic Finance Charges apply to to balance in a transaction category We use the Average Daily Balance (including raw transactions) metal of calculating to balance upon which we krpose Periodic Finance Clarges..We compute the Average Daily ; Balaws, or each transaction category by adding up on Ow daily balances in a bring period for a.barmadion category and dividing Ore total by to manbwof days in the billing cycle. We oomptde the daily balance for each trsnsaction category on each day by first addling the foNowing to Nhe previous days dailybatance. transactions made tut day, fees charged that day and P*Wc Fkwm Charges accrued en tat day to tramacbm tsposed to y=Aaaart after to eosin of Oa bd ng period n whidn k occurs: we %W treat the unsachm as hawing occurred on-the frd day of the biting period in which it is posted to yourAaount. AN lees dnargad to yrsrrAoaurd are added be the standard prrdsse transaction ategry with to exapim of CashAdvana Transaction Fee Finance Charges which are added to to applicable ash advance transaction category and Balance Transfer Tmnsacim Fee FinanceCharges which are added b the applicable balance translas transactm calegory. When the special raie expires. we move to unpaid balance of the balance trenster and the Balance Transfer Transaction Fee France Charges to the standard purchase traosectim category. However, if the specialms has been terminated under the Defauh Rate Pbn, we leave the unpaid beaince of the balance transfer and the Balance Tarsier Tra1S8Ction Fee France Charges in the applicable I arsaclion cafegayutil the special rare would have expired. For TDD (Tetaeommwiications Device for the Deef) assistance, cat 1400-347-7449. Onover may monitor aldrar record telephone calls befxeen,you and Discover representatives or quality assurance purposes The Dover' card's issued by Discover Bank, Member FDIC. OITBK107' DISCOVER' New Balance Minimum Payment Due $3,262.01 $69.00 Payment Due Date June 9, 2008 Account Number ending in 7733 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online @ Discovercard.com. 10 SDSN6A01 0008145 ERNEST SOUDER 2607 WALNUT BOTTOM RD CARLISLE PA 17015-9329 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. 000001986458892145109032620100150000006900 Discover More Card Account Summary Closing Date: May 10, 2008 page 1 of 2 Account number ending in 7733 Payment Due Date June 9, 2008 Minimum Payment Due $69.00 Credit Limit $14,300.00 Credit Available $11,037.00 Cash Credit Limit $7,300.00 Cash Credit Available $6,564.00 Tired of buying stamps? Go mobile) Make and schedule payments from your phone with the Discover app. It's fast and it's free. Download now at discover.com/apps PO BOX 71084 IIInrllnrrrrllllurlrlrrl CHARLOTTE NC 28272-1084 Irrlrllrrlrrrlrltrrrlrrlrl?rrllllrrr{rrlrrlarllrrlrrlarlrlrrll Previous Balance $3,108.18 Payments And Credits 150.00 Purchases + 250.15 Cash Advances + 0.00 Balance Transfers + 0.00 fiance Charges + 53.68 New Balance = $3,262.01 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 51.75 New Cashbock Bonus This Period + 0.61 Cashback Bonus Balance $ 52.36 Cashback-BonusOAnniversary.......... .........._. . ...... ....... Month: January CONGRATULATIONS! Your Cashback Bonus(R) is waiting for you. Visit Discover.com or call 1-800-DISCOVER (1.800-347.2683) to redeem. 1. Visit Discover.com to pay your bill for no cost, view yrwr How Can We Help You? . latest Account information, earn and redeem rewords and more It's your choice - 3 ways to help 2• Call 1.800-DISCOVER (347-2683) for fast, easy sel4ervics Please have Discover Card available. options or to speak with a Customer Service Account Manager your 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions Payments and Credits Restaurants Gasoline Warehouse Clubs $0 Fraud liability Guarantee Use your Discover Card with confidence. Trans. Post Date Dab May 1 May 1 PAYMENT - THANK YOU $ .150.00 Apr 16 Apr 16 MIDDLESEX DINER CARLISLE PA 21.25 Apr 18 Apr 18 RUTTER'S FARM STORE #31 SHIPPENBURG PA 17.00 May 6 May 6 BJS FUEL #9025 HARRISBURG PA 52.00 May 6 May 6 BYS WHOLESALE HARRISBURG PA 159.90 important Information. t there is more than one page to this bitting statement, see the back of each page for additional important information. o See your Cardeember Agreement. Your Cardmember Agreement contains all the terms of your Account. w z Lost or stolen aruta. Report iramedietefy! Cat 1606387-2663. o Billing Right Summary. In Case-of Errors or (questions Mad Your Bill: If you think your bill is wrong, or if you need more information about a transaction an your bit, write to us on a h f bill o 9 on e ast lR 64130.0421, as soon as possible. We muslhear ham you no later Oran W days after we sent you t separate shentof paper at Discover, PO Box 30421, Salt Lake C+ty, , which to aria or problem appeared. You can telephone us, but doing so W not preserve you rights. in you lever give us the following information: • Your nsnte andAcoouM rirmber. • The dollar amount of the suspected error -4 • Describe iha error and explain, if you can. wiry you believe there is an error. O you need more informatian, describe the item you are unsure "L You do not have to pay any amount in question while we are investigating, but you are sill obligated to pay the parts at your bit drat are not in question. While we investigate your question. we cannot report you as delinquent of take any action to mW the amount you question. Special Rule for Credit Cud Purchases: If you have a problem vrAh the quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct do problem with the merchant, you they rot have to pay the remaining amount due on the goods or services. You have dais protection only when the purchase price was more than $0 and the purchase was made in your home safe orwft 100 miles of you mailing address. (t we own or operate the merchant, or gym mailed you the adverisemeM for the goods or services, all purchases are covered regardless of the amount or location ot ptachase.I Payment. Send Orgy your payment and the top prim of this statement in the envelope provided. Do not send cash. By sending your check as described above. you authorize us to use adonnatic n on you check to make an electronic fund Cansf rfrone your account at the financial institution indicated on you check of to process the payment as a chock trarsacion. 11 payment is processed as an eleetronio fund tender. the trernsferwll be for the amount on Ore check. When we use information. from your che& to make an electrow fund transfer, kinds may be "dam from you account as soon as the same day we receive you payment, and you will not receive your check back tram your financial vshlubon The processing d your payment maybe delayed %you rend cash. correspondence or other Items with you payment. if you said the payment to any other address or 0 you use an envelope aOw Ifisn 9he.oraprovided.PaynteMS received fa proper form atom processing facility by 5PM.kcatlime on. any day.uNl be aeddad.m.yatAccotmt u.ofthatalay-Paymerds received at ou processing Lily after5PM local drne will be credited to yourACOOUntas of the next day. N you have nesplacad you envelope. send your payment to Discover, PO Box 6103, Card Sow. L 601878103. 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 ramimlan paymxrtor a greater amount am the telephone. and you can set up aumnatic payments. Cad us at 1-800.347.2683. You will need this statement and you bamkaccahmwilki atom.Younewmouetheesufficientfundsareavailablemyouberlcaccountandailtransactionsmustcon"withU.S.kw.Youwill beasked bprovide thefirst 5 dgite of you scooted statement rip code. By entering loss, numbers as you electronic signakre, you will be agreeing to this authorization to adow as and you book to deduct each paymet you suOrorize from you bank accatnt, and b indiste debit or credit entries to yaw bank account, as applicable, b correct an ens in the processing of such psymem. You must Id us the amount leach psymind, or you can select an amour such as to Minimum Payment Due or the New Balance on each statement You can annota payment. however we must moss a notice at leaat three business days in adism of the scleduked payment You may notify us by phone at M-347-2683 or by mail at the address ism in the previous paragraph. ff 1[aur "foam may vary in amotrs, we will lel you on each mondly ateterant when you payment wit be made and how much it will be. YourAutomakc payment amount may be k es; Overt indicated on to me"staklned based on credtss or payments appied during the biting cycle. Credit Reporting. We may report nforration about youramormt b credit bureaus. tale payments, missed payments, or other defaults on your amount maybe reacted in you credit report We normalyreport the stalls and payment history of yourAcmurt to credit reporting agencies each month. If you believe OW our report is inaccurate or incomplete, please write os at the kl0witg eddieos: Dismvu, PO Box 15316. Wrtmngtan. DE 198505316. Please ihctede you era. address, home ktephhorw manberadAccount number. PERIODIC FVWM CKWGES. PentiftFnana Charges are imposed and transactions from De date The transaction is posted to yourAccousnt ml! In date you pay yaw entire Now Boom, by making payment or moanring credits. However, ityou paid the New Balance on your previous biting stalamerd by the Payment Due Date shown on that statement, and you pay the New Balance by the Payment Due Date on your current bill g statement, we will not impose Periodic Finance Charges on new purchases, that is. pachases first appearing an the current statement. We cad this the grace period. Ollenvise, you will receive a hitting slelemenl next month that includes Periodic Fiance Charges on those new purchases. Thee is no grace period on balance Vaakrs or ash advances. We son your transactions into groups of purchases, ash advances, and balance transfers and then f rtlhersort the transactions wi0in each group by treiA-Mal Percentage Rate. For example, purchases subject to a promotional tale and purchases subod to a standard rate would be separate groups. We refer tolhese gaups as kansackm categories. At the end of each bbV period, we compute Whereas and Periodb France Charges for each day at the WAV period for each transaction category. We use the following o"Isoh to compute Periodic' France Charges for each kansockon csbgay: Average Daily Balance x number of days in the lift period x Daly Periodic Rate. (You may mkr tithe knance charge summery on you billing statement for these amounts.) Then we add up the Psdo fir Finance Charges for each transaction category b get the total Periodic Finance Charges for you Account. The Average Daily Balance is drown as zero it, because of the grace period, no Periodic Finance Charges appty to the balance in a transaction category. We use the Avenge Defy Balance (ncludrg new transactions) orated of calculating the balance upon which we impose Penodc Finance Charges. We compute the Average Daly Balance for each kanaacim category by adding up at Me daily balances in a biMg period for a transaction category and dividing the bled by rte number of days in the biting cycle. We compute ft dalybefence for each transacim category on each day by first adding the blowing to the previous day's daily balance: transactions made Oat day, lees charged diet day and Ponodic Finance Charges accrued on the previous dells daly balance: and by than subtracting any credits and payments that are applied against to balance of the transaction category on trvtdayt In calculating the daily balance for to first day of l ho billing period, we consider the'pmviars days balance to have been your balance for each transaction category on de lest day dyer previous Ming period. If a transaction is posted to you Arrant aher the class of the biting period in Mich it occurs, we will treat to transaction as hav- trig ocurred an to fast day of the billing period in which it is posted to your Accoutt. M fees charged to.yourACmunt are added to the standard purchase transaction calepmy wit to exception of CashAdvance Transaction Fee France Charges which are added to the applicable ash advance transaction category and Odom Traveller Transaction Fee Finances Charges which are added to the applicable balance transter trensaaim category . When a special balance bander rote expires, tie move the unpaid balance of dhe balance kanskr and the Balance Transer Transaction Fee Finance Charryes to to standard purchase kanisecion category. however. l to special raw has been terminated under the Default Raft Plan, we leave the unpaid balance of the balance iansfer and the Balance Transfer Trans- action Fee Finance Charges n to applicable transacion calvary until the special rate would have expired. For TDO (T*kc-ommumkst6ns Dovko for the Deaf) assistance, please aO i800.347.7449. Diacovar AMY MMW ends record Ieleplrore caws between you and Discover representatives for gkafry assurance purposes. The Discover" card is issued by Discover Bank, Member FDIC. OlTBK170 DISCOVER' tt pot's to ERNEST SOUDER DISC®VER Account number ending in 7733 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. j You'll also be helping yourself to 24 months of password-protected, statement history, complete with merchant names, locations and zip codes. Go to Discover.com/papedess and sign up for Paperless Statements today. 02010 Oixawr Bank, Member FDIC ate''. PPRGRN.0810 Closing Date: May 10, 2008 page 2 of 2 Finance Charge Summary Balance Transfer offer for current billing period: Doily Periodic Rate: 0.00521 %; corresponding ANNUAL PERCENTAGE RATE: 1.90%. Rate is subject to the terms of the offer including expiration. Nominal Transaction Average Daily Daily Periodic ANNUAL PERCENTAGE ANNUAL PERCENTAGE Peru Fl Fes FINANCE Balance Rates. RATES RATES CHARGES current billing period: 30 days Purchases $1983.88 0.05477% 19.99% V 19.99% $32.60 $0 Cash Advances $1166.21 0.06025% 21.99% V 21.99% $21.08 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. Questions? Manage your account at Discover.cwm or cal} 1-800-DISCOVER 11-800-347-2683. DISCOVER' New Balance Minimum Payment Due Account Number ending in 7733 $3,210.82 $72.00 Enter Amount Enclosed Below Payment Due Date July 9, 2008 Please make check payable to Discover Card or pay online @ Discovercard.com. 10 SDSN6A010008146 ERNEST SOUDER 2607 WALNUT BOTTOM RD CARLISLE PA 17015-93Z9 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 mobilel Make and schedule payments from your phone with the Discover app. Its fast and its tree. Drnmload now at discovercorrdapps PO Box 71084 111 IS rllrrrr?rllll??rlrl??l CHARLOTTE NC 28272-1084 1111 Ill. IIt I IIIIIMI.11?ISO 1111ISIIItell oil111111111SIIIIIIII 000001986458892145109032108200150000007200 Discover More Card Account Summary Closing Date: June 10, 2008 page 1 of 1 Account number ending in 7733 Previous Balance $3,262.01 Payment Due Date July 9, 2008 Payments And Credits - 150.00 Minimum Payment Due $72.00 Purchases + 42.01 Credit limit $14,300.00 Cash Advances + 0.00 Credit Available $11,089.00 Balance Transfers + 0.00 Cash Credit Limit $7,300.00 Finance Charges + 56.80 Cash Credit Available $6,564.00 New Balance _ - $3,210.82 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashbock Bonus Balance New Cashback Bonus This Period Cashback Bonus Balance Cashback Bonuse Anniversary Month: January CONGRATULATIONSI Your Cashbock Bonus(R) is waiting for you. Visit Discover.com or call 1.800-DISCOVER (1.800.347-2683) to redeem. $ 52.36 + 0.10 $ 52.46 How Can We Hel You? 1 • Visit D6cover 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 selfaervice options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dab Date Payments and Credits Jun 1 Jun 1 PAYMENT - THANK YOU $ .150.00 Gasolino May 22 May 22 RUTTER'S FARM STORE #31 SHIPPENBURG PA 21.00 Home Improvement _ _May 23 May 23 LOWE'S OF CARLISLE, PA CARLISLE PA 21.OT Finance Charge Summary Balance Transfer offer for current billing period: Daily Periodic Rate: 0.00521%; corresponding A NNUAL PERCENTAGE RATE: 1.90%. Rate is subject to the terms of the offer including expiration. Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CFIARGES current billing period: 31 days Purchases $2079.93 0.05408% 19.74% V 19.74% $34.87 $0 Cash Advances $1187.71 0.05956% 21.74% V 21.74% $21.93 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above Impodad IMormetlon. fithers is more ban one page b this billing statement, seethe beck of each page for additional important informatior, v See your Cardmember Agreement You CardmemberAgreement contains all the terms of your Account. z Lost or stolen cards. Report immediatelyl Cal 1 00347.2683. r 0 1111ing Rights Summary. In Case of Errors or QuestionsAbout Your Bill: If you think you bit is wrong, or it you need more inf xi adon about a transaction onyar bit, vine to ua on a $ separatesheetof pow at Discover, PO Box 30421, Salt Lake City, UT 84130-0421, as soon as possible. We must hear from you no later dw 60 days after we sent you the lost bill on wFach the error or problem appeared You can telephone as, but dmV so will not preserve your rights In you letter, give us the bilow ng information: •Yournamit ard! A=W number. m • The d6W amarttof Ire suspected am J • Describe the enorand aphein, if you can; why you believe there is an error. If you need more inormation, describe to item you are unsure about. You do rat he" b pay any amormt in quesOon whale we are investigating, but you are all obligated to pay the parts of your lei that are not in questim. While we investigate your question, we cannot repot you as deingtteM or take any action to collect the amount you question, SpecW Rafe for Credit Card Purchsees: 9 you have a problem v A the We* of goods or services then you purchased with a crack card. and you have tried in good faith to correct the problem with thelnerdtaK you may not have to pay to remaining amount dire on the goods or services. You have this pro ion only when the purchase pace was more than $50 and to purchase was me* in your hone state or within 100 males of your maing address. (t we own or operate the merchant, or Owe mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or tocalon of purchase.) payments. Serid only your peynartand to lop portion of Ok statement in the envelope provided. Do not send cash. By sending your deck as described above, you authorize us to use id misfion on yaws eck b make an electronic Rand transfer from your accound 431 be financial mOution indicated on your deck or to process tie payment as a check transaction. 9paytrwrd is processed as an eledrorwc fund transfer, be transfer will be for the amourit on the deck. When we ust information from your check to make an electronic hid transfer, funds may be wilfpraem.horn your account as soon as tw same day we reoelve your payment, and you will not receive your dheek bade from your financial institution. Tip pp of your payment maybe delayed if you sand cash. oomespohhdekhce or other ions wish you payrtwnr it you sand the payment b key other adareee a a you use an a ?x tarttla,orte provided. Paymtants received in prapar tam at ore peocewsirhg faoiry by SPM kcal trrean arty day wit f>a ae¢ted b yourACOwaht aq d tlmt day_Paymwnts envebpe dht received dour prooesskhg faeityalbr3PiA hod arwvdl be ae?adtoyowAewuM as of fine next day. t you ifava nhispfakwd your envabpe, send your payment ro D'acover. POl3ox fi103, Card Stream, t. fi01976103. F?leass stow Z-10days (or dalivewy. t your payment ts retuned wpahd, we reserve tlw right b reaubnet 8 as an ebcbonc debit. You can 01W your mUlimum payment ore 9"a amount over the telephone, and you can set up womalc payments. Cd us at 1.800.347-2683. You will need this statement and you bank awo nt Uillemu lion You most ensure that sulfaaent furls are avaiable in you beak account, and all transactions must compty with U.S. lair. You will be asked b prw& the first 5 di,Tie of your atxxxml stebnwrdap axle. Byanledrg tase numbers as your ebdro& signature. you will be ageeig b this auhakatia+ to aloe us and your bank to deduct each paymmnt youaJAolite tromyour bade aoooura, and to ir6eb debit or credt ermh®s to your bank acaw k as applicable, to owectan enwin the processing dsuch payment. You nrout it us to art wo of each paynhent, or you amt select an amount such as the Ninamen Payment Due or be New Balance on each swssrrent You can cxhoel a payment, however we FKW ooeive nolfwatIeWtmea Warm days in advance of the scheduled payment You may notify us by phone at. 1.600347.2683 or by met atine address liated in tlw previous peregraph,Kyour pallimerts may vary in amount we will let you on each monthly statement when your payment wi be made and how much t will be. Yam Automatic payment amount maybe kiss then kKkaled on lea montty statement based on credits or payments applied during to billing cycle. Coedit Roper". We may report inbnnedon about your account to credit bureaus. Late payments, missed payments, or otherdelauts on your account may be reflected in your credit tepoit. We normen/ vatimfhe #An and payment history of your Account b aedt reporting agencies each month. It you believe that our report is imiowrale or incomplete. please write us at the foAovKig.'adklress:.Oisoover. PO Box 15316. Writwgbn. DE 19850.5316. Please include your name, mess. home tebptakw number and Account nhmher. PEIWW FINANU QWt( S, Periodic Finance Charges are imposed on of bansacbm from the date the tramaotion is posted to your Account until the date you pay you entire NowBdence. by making papa* or reheivitg credits. However, it you paid the New Balance on your previous b&q atetartat by the Payment 13ue Date shown on that staknend, and YOU pay the New i akimiie.by the Paymeru Due Date on your current billing statement, we will not impose Periodic France Charges on new purchases, that is, purchases fast appearing on the current stale rtwM We cal this the grace period. Otherwise, you will receive a billing statement next month that includes Periodic Finance Charges on case new purchases. There is no greea.poW on belimm tratsfars or ash advances. Wasort your trarsactiors into groups of pwdhatin, ashy advances, and balance transfers and then further sort the vansadims within each group by their Amual Percentage Rate. For example, ptrdesea subject b s promotional rats and purchases suloctto a standard rate would be separate preps. We refer to these groups as transaction categories. At the end of each b" piNfockweconptdebalances andPeiiodfoFrwaeCharges fair eachdayoftebilling period for each trarsacbmat".Wetsethefdiawirgequationbcompue P i ift FF Q fi c i S l b f d i b D l P di R Y b c A Q billi f t ar d trartna h verage y e ence x num er o ays n ng period x a y erio c ate. ( ou may re er the lnance uages a ea ransaction calWy. a e harge summary onywr.b g.a. for base amouns:) Tilton we add up the Paiace Finance Charges for each transaction category to get the oral Periodic Finance Charges for your Awohmt TheAvetaga U*8Wanoa lie sllowm as moil, because cif the pace period, no Periodic From Charges sppty b the balance in a transadmn category. We use beAmage Daily Btleme (mduding now transactions) method of calcdetrg the belarCe rear ouch we krpose Penodin Finance Charges. We compute the Average Daly Belapa rcraedlltanserAon ostagdry by hxkiingap at9he rialy balances in a hiwtg pet od fa a bansactian category ad divilig the total by the number of days in the biting cycle. We campus Ire dsiy6alenia Tor eacft•aantsacian cafegoryort cadr day by fret a drliing to folowirg b the previors days daily balance: transactions made that day, lees charged that day and PndodroFnaaeCtheryyes aodauad anthe pneveohs days dbtybalaae: and by ten subtraetirg shy aedhts and payments thel we applied agakhst to balance of the traswbon eelegory cn thetdy. b haka/brtp the dilly bnhlenhca.for'tlhe oral day diha t drtq period, ore kxxxtidbr the previous dayhs balenoe' b have been your balance for each trawsectioo caaepayerttlaleatdB CfyOIRptwviousblfngpetiod.lat[a elytepostadloyamAxaameflar9nedosedalthebilling periodnWrkbioccurs, wewill [teat thetransaction ashey- a,. Forena1rA in diRapRabiallaraectort cakigorytatt the spxial rnte would have exprsd. Fur TgD,(TMaeomnfnuicedioms Davie faathe.pead) assistance, please call 14011-347.7449. Discover mmy.-irylor yndb rrecad WelAtcoe calls bftw you and Discover representatives for quality assurance purposes. The Damson ale is esuea.byUscomBw* kbmban FDIC. OITBK170 New Boiance Minimum Payment Due Account Number ending in 7733 DISCOVER $3,606.07 [$72.00 Enter Amount Enclosed Below Payment No Date $ August 9, 2008 Please make check payable to Discover Card or pay online 0 Discovercard.com. 10 SDSNSaoI 0008147 ERNEST SOUDER 2607 WALNUT BOTTOM RD CARLISLE PA 17015-9329 Tired of buying stamps? Go mobilel Make and schedule payments from your phone with the Discover app. It's fast and We free. Download now at discoVer.com/apps PO BOX 71084 111"111111111111111111111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone changel Print change in space ?rrlr?lrr?rrrlr?l??r?rrlr?irr?'(?rrrlirlrr?rillrr?ri?hr?ilri(I above, or go to Discover.com, Print your e-mail address to receive important Account information and special offers. 000001+986458892145109036060700150000007200 Discover More Card Account Summary Closing Date: July 10, 2008 Page 1 of 2 Account number ending in 7733 Previous Balance $3,210.82 ;Payment Due Date August 9, 2008 Payments And Credits 150.00 Minimum Payment Due $72.00 Purchases + 489.03 :Credit Limit $14,300.00 Cash Advances + 0.00 Credit Available $10,693.00 Balance Transfers + 0.00 Cash Credit Limit $7,300.00 finance Charges + 56.22 .Cash Credit Available $6,564.00 New Balance - $3,606.07 You may be able to avoid Periodic Finance Charges, me the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 52.22 New Cashback Bonus This Period Cashback Bonus Balance $ 53.68 'Coshback Bonus® Anniversary Month: January ,CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discover.com or call 1-800-DISCOVER (1-800.347.2683) to redeem. How Can We Help You? 1. Visit Discoverxom to pay your bill for no most, 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 selfservi e S i A t M h ccoun an erv ce a Customer options or to speak wit ;Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, !For TDD (assistance for hearing impaired) see reverse side Sah Lake City, UT 84130 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. Trans. P Date Payments and credits Jul 1 Jul 1 PAYMENT - THANK YOU $ -150.00 Gasoline Jul 1 Jul 1 HESS 38252 CARLISLE PA 115.00 Jul 8 Jul 8 HESS 38252 CARLISLE PA 143.01 sorvkes Jun 27 Jun 27 AT&T 4801 CARLISLE PA - 180.19 ;Home Improvement Jun 30 Jun 30 TRACTOR-SUPPLY-CO #0264 CARLISLE PA 50.83 Important Information. If there is more than one.page to this trilling swtement see the beck of each page for additional important kdamaf on. See your CardrnembierAgreement Your CardmemberAgreament contains all the term of your Account Lose or stolen cards. Report immedately! Call 1-800-347-2683. Billing Rights Summary. In Cased bras or Questions About Yam Bill: If you think your bill is wrong, or if you need more information about a transaction on your bill, write to us on a separate sheet dpaper at Discover. PO Box 30421, Sag Lake City, UT 6413D-%21, 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 sweated. You can telephone us, but doing so wt not preserve you rights. In your letter. give its the fdkxvirg idormetion: • Your pane WAccawd amber • The doter amourd of the suspected erred • Describe the error and explan, #you can. why you believe there is an error, if you need more information, describe the item you are unsure about. You do not trove to pay any amount in question while we are investigating, but you are still obligated to pay the pats of your bill prat are not in question. While we investigate your question, we cerrhot report you as deknquat or take any aeon b ccBed the amount you question. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card, and you have lied in good forth to cared to prnhian with the mermtrerd, you may, not have to pay to remaining amount due on the goods or sennoes. You have this protection any when the purchase price was more than $50 and &a purchase was made to your home st*orwilhin 100 miss of your meOing address. (If we own or operate the merchant, or O we maned you fire advedisement for to goods or services, at purchases are covered regardless of the amount or location of purchase) Payments. Send any your psyment and to top portion of this statement in the envelope provided. Do not send cash. By sending your check as described above, you aut home us to use i forindon on your do* $a m"an electronic fund transfer lean your account at the 11inan iel it ton ihd cater on your check or to process the payment as a check transaction: t payment is processed as an ebcboric fad transfer, the Joinder will be fate amount on the check. Mm we use idamation than your check to make an &dmme fund barster, lundspay be wi6ndrawn tomyotr account assoon as the sae day we receive your payment, and you will not receive your check back from your financial The proerwAig dyow payment maybe delayed 6 you send cash, arrespmdenoe or other ttme with yoapsyment, if you send the payment to any other address or if you use an wwebpeottertantieorept WbiPaytnatsreaivednproperleanetourpmoassingbcikyby.SPMbcalome.onanydeywdbeauWioymrAamtriesddistday.Payments recewed at ourpmoerng fu7iy a6erSPM lard erne will be credited to yourAcceuntas of the nerd day. t have misplaced your envefape, sand your payment to f liscova, PO Box 6103, Carol Stream, A 601974103. Plem allow 7-10 days for delivery. I your payment is.retuned unpaid, we reserve the right to resubrnil0 as an ebdm* deba You can pay your mininnum'payrnator a greater wwxd over the Wephaw, and you can set up automatic payments. Cal us at t•800.347-2883. You Wit need this statement and your bmk amount i kir ataL You tonal amore to vAcie nt binds are available in yam bank saoored aril ail ramacrom mug comply welh U.S. iaw, You wit be asked to provide the fail 54ighd><yowsca mtstatem ntapoode.Byader 11hos ,numbersasyoureiadrorncagakre, you YAbe agreeing tothis auhioriMonto, aAowusandyour bank todedudeach payrmerayar ehdliodze iranyarDenk ricootan, and to'irirbew debt or erect erMrise b yoamNc account, as ap'b caradm arar a ttke'processing d adh payment You rrhus4 tai ua Oneenhourkt dadh paymsrn,?oryau can seleGAn amokaht audh as the hWrinarn Aeymant Due a to tar 8derhm on eadn atabmeM lbu lean ?el a peyrrMM. haaever we ; mslreuiue rhoticeallesel free bureiheas days n.adweaoe of the arnedrnad.paymtnt Yau may rhagy us by plhoae al 1.804347.2683 o[by mat ante address tisted'n the previous P?aPh• bynwr Pt>l mallverYin amount wit will let you on each rnorhttyr alawnent when your peymertwt be made and how rrirrch twit be. YourAutomeie payment arnoura may be less ttaaindcawd on le rmatdlty sylixaerhthasadon aedlls a peymertsapgred dumg to bd"i cyde• Credit Repo ft We may repot information about your scco iii to credit bureaus, fats payments. missed payments, orother defog on your account may be nitlected in your credit report. We rrameByrepdrt'testatus arnd"paymemhistory dyarAoccurnt Idcredit teporlinpagerhdeseach month.Ifyoubelieve gistour " is inaccurate or incomplete, pleasawrif ; us at.tafolbwerp address: Dino Ar, PO Box 15316, Wilmington, DE 198506316: Please include your name, address. hams Wepfane number andAccount number. PERIODIC FORM CHARGES. Peripdc Finance Charges are imposed an so lmsreak lime from the data the transaction is posted b.y urAoccurt until the date you pay your entire New Balance; by malwg payntiols or receiving credfle. However, if you paid the New Woos on yaw previous biting s>atdnont by the Payment Due Date showrh on that statement, and you pay the NewBafereebythePayment DueDoeonyour erred biting stawmert,wewill notknposePeriodicFimncaCharges on newPurchases, that rs,purchases first appearing on themett sfrtt m t..We cat this to grace period. Oterrdse, yon will receive a biting stawmec raid month that includes Periodic Fnahoe Charges on those new purchases. There is no grace pehiod:an ballerina Iterations or cash adwancea. We sortyar bameclamitogratpeof purchases, rash advances, and balance transfers and then further sat the transactions within each group by their Arinual Percentage Rate. For: Cuample, tmrdissas subjaib a promotional raw and puaahases subjeclto a standard rate would be separate groups. We mW bthese groups as transaction categories. At In and of eadi bi?paipd, wo aotn"ptrw bewnc?ea erd'Pedodlc Frterhoa Charges for satin da7f d to bring pehbd! tar eakh rarsacton cawgny. We ese tie foNowitg equator w canpuw. Paiodio' Fiiwide Granges faeadt tanmc8at tawpay; Average OaiyBalence z number of days in the bi'ing pencil x Daly Period's Raw. (Yw ahoy rater b the finenca darge srrrrmaryorlyraur spafmhndtfortasaarnoters.) TI>en we a&f up the PeriokBC Finance Charges fareadin transacam category total the btal.Pado4c Fnaw:e Charger to yam ' Axaaht TM Itwerapejr'Belenoe is.atewlh as zero O, because d tie grace period,la Periodc Frharhce Ctrerges apply 1c tlo balance in a transaction cewgory. We M therAoterage poly Balance,&4hdngnew transactions) method of ralpiatirg the balance upon which we impose Periodic Fiance Charges. We compute ft Average Deily Saterm for esich li aatRmt ~j by ridding Lip all be deny betamxs n a bNkg per od rx a transaction caftM and dvidrg to OW by this number of days in the bang cyde. We; -V* ghs d* tidencls.lior ". -Unse Ilion category on each day by first adding the blowing to the previous days daily balance- Ins saaars made tot day, fees.charged that day'. andPoriiode4iiirooeCarginaomedmlhepar aadaysdailybe s-,adbytena>b a*Varyae3wadpayma dWamappliedagainst thebalance dthetransaction cakgoty oin 10* bhcala#e1? tie daily Were fate Burt day d the biwg period, we consider the `previous day's bebnce• to have bean your balance for each transaction isbgii cri that, Wdayafyotip&vknistiltingC."..tarermactiMispostedtoyorAccormta8brthedose ofthebdbhgpedod.mwhich9comes, viawill treat tietransaction ashov! khgoorutiedOnUhafislifrNof.pha periodai.vit"kispostedioyamAmotnt. Atfaes /nargedloSduyAbihAUitereatdtdtof ..ataWwd rdoselremacfi mm"aryvmhtheexeeptionof CashAdvanceTransaction feeFkiaos,Chugeswhichamadded to the apPBrsbleoee0 adnerhse.kaiheec4tin odogoN and Balance TranelerTom" .Fee Fir anoes Charges etndn are added to to applicable balance trahefer tismedicn calegay.When a spec alpejrsgt YarpLfer....ha.wle apk ea Wfe move the.halpad balance of to balance trasferand to Balance Tiesfer4rasacim Fee Finance ? to t e-stadad p xc ase bagaagFblf4awgoryOttespetiderne.hasbierwrnirawdtrvderteeDe"Ra%Plus. we leave tilloVeidbaanceofBtehalasae adtleBalance Transfer Trans tfowoW adiai tea Friaee.Clhiegesn the appficatne banaeafon category until the special rate would have expired. ForTDD-AT**c9w4sa YtatomOwIcefortheDeaf)assistance,pleasecall14"77449. OiaQptie maymorilaatdbtrecord Wephonecalls betweenyou.andDiscover representativesforquality assuagepurposes. The Disc r cord. is issued by lascoy Dank, Member FDIC. 61TSK170! DIJtrVER• It pays to ERNESTSOUDER L D15cc Account number ending in 7733 ?_J 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 Discovercorn/paperless and sign up for Papedess Statements today. (92010 Discover Bank, Member FDIC MGRN.0810 Closing Date: July 10, 2008 page 2 of 2 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. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Peri6dic PERCENTAGE PERCENTAGE FINANCE FINANCE Balance Rates RATES RATES OAARW CHARGES current billing period: 30 days Purchases $2133.30 0.05408% 19.74% V 19.74% $34.61 $0 Cash Advances $1209.47 0.05956% 21.74% V 21.74% $21.61 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. QU@ShOnS? 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 7733 $3,901.46 $80.00 Enter Amount Enclosed Below Payment Due Date September 9, 2008 Please make check payable to Discover Card or pay online 0 Discovercord.com. 10 SDSN6A01 0008148 ERNEST SOUDER 2607 WALNUT BOTTOM RD CARLISLE PA 17015-9329 Address, e-mail or telephone change2 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 mobliel Make and schedule payments from your phone with the Discover app. It's fast and Ira free. Download now at discovercomlapps PO BOX 71084 111 111111111111111151111111 CHARLOTTE NC 28272-1084 111111111I11111II11rIUlll??llllltllllllllllll111111llt111111l 000001986458892145109039014600100000008000 Discover More Card Account Summary Closing Date: August 10, 2008 page 1 of 2 Account number ending in 7733 Payment Due Date September 9, 2008 Minimum Payment Due $80.00 -Credit Limit $14,300.00 Credit Available $10,398.00 Cash Credit Limit $7,300.00 Cash Credit Available $6,564.00 Previous Balance $3,606.07 Payments And Credits - 100.00 Purchases + 330.88 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 64.51 New Balance = 3,901.46 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 53.68 New Cashback Bonus This Period + 0.82 Cashbock BonusS Anniversary........... 'Month: January CONGRATULATK)NSI Your Cashback Bonus(R) is waiting for you. Visit Discover.com or call 1.800-DISCOVER (1-800347.2683) to redeem. Cashback Bonus Balance $ 54.50 ur How Can We Help You? 1 • Visit Discover com to pay your bil for no cost=20 latest Account information, earn and redeem and more :It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347.2683) for fast, easy self service Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) see reverse side 3. Write us of Discover Card, PO Box 30943, Salt Lake CNy, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dote Date Payments and Credits Aug 1 Aug 1 PAYMENT - THANK YOU $ .100.00 Restaurants Aug 6 Aug 6 RED LOBSTER CHAMBERSSURG PA 26.88 Gasoline Jul 24 Jul 24 HESS 38252 CARUSIE PA 102.00 Jui 31 Jul 31 HESS 38252 CARLISLE PA - - 75..00 Aug 4 Aug 4 HESS 38252 CARLISLE PA 127,00 Fall fashions brooking the bankZ Shop Back-to-School sales through our exclusive online shopping Me ShopDiscoverl Earn 5% to 20% Cashbock Bonus(R) at your favorite online retailers like Old Navy, Sears, Lands' End and many more. Visit Discover.com/Shop today! Important Infamation. M there's more than one page b 06 biltingslatemerd, we the bads of each page for additional important information. o See your Cardmember Agreement Your Cardmember/greement contains an the terns of your Account Z Lost or stolan cards. Report immediatdyl Cal 1$W347-2683. m o Boling Rights Summery, in Coed Errors or tauest imAbout You Big: If you think.yo r hip is wrong; or if you need more mformhon abed a trasaidlbnn on your bill, write to us on a o separate sheatof paper at Discover, PO Box 30421, Sak Lake City. UT 84130-0421, as soon as possible. We must hear from you no later then 60 days after we sent you the fast bill on m which the and or problem appeerod You can Oleptwts us, but doing so will not preserve your rents. In you letter, give us is Wowing intonation: • Yournave andAccoaA number. • Thedo/aamount of is suspected error Desabe to encrand explain. kyou cen. why you believe rice is an error. 0 you reed more infama9al, describe the item you are tonsure about. You do not have to pay any amount in Weston whim we we invesfgafr g, but you are still obligated to pay the parts of your bill amt are not in Weston. While we investigate your question. we canal report you as delinciurent or take arty action to coped the amount you question. Special Rule for Credit Card Parr: If you have a problem with the quality of goods or servioes that you purchased with a credit card, and you have tried in good faith to cared : is problemwdrthemardiaw,youstaynothembpaytheremanigamount "enhegoodsaservices.Ymhaveftptowtiortartywhenthepurchasepnoe,wasmatethanVW and the purchase was made in ydr home state or wft 100 miles of your nedsg address. (If we own of operate the merchant or'dwe meted you the advertisement for the goods or services, all purchases are owe ed regerdess of is amount or bcalm of purchase.) Payments. Send any your payment and as top porfon of this statement in the erwelw provided. Do not send cash. By sending your deck as described above, you authorize us to use nfonnafon on yaw dnedk to make an else mic lead Vernier km ynuaeoount at the kencial valution indKated on your deck or b process the payment as a check Vannobon, If psymadis jimosesed esande cketdc fundVarsEx, is transfer will be fa the aaountun the check When we use intonation from your deck to make andaum c kind transfer, bids may bewithdiewn Van your account as soon as to same day corn receive your payment, and you will not receive your died back Ian your ipandiai nsitkon, The prooeeciig of yoa psynusrd maybe delayed ?you said cash, aarasfwndence orother items with you payment, if you seal the payment to any other address or if you use an. emdape oltw.gm fha.afe provided Psynnars received in proper form at our processing b* by 5PM beat time on any day.will be credited to yourAccoud ac.of that day. Payments reowoed atom processing faclityallarSPLl local timewil be credited to ywAoooud as of he rag day. If you have misplaced your envelope, send your payment to Woover. PO Box 6100. Cad Stream, R 6067$103. Please slow 7-10 days for deb" If your payment is roamed unpaid, we reserve to eight to resubmit it as an electronic debit You an pay your minimum psymwnta a greekra iaait over the telephom and you an set up aulemetim payments. Cal us at 1.8W-347.2683. You will need this statement and your; badkamount Mkimalim. You mist awe that su6denl funds are available n your bank account, and all frasscliars mast comply with U.S. lea. You will be asked b provide the first 5 dggs ofyor acoord sfalemeMzp coda. By entering arose numbers as ym electronic signs hue, you with be agree g to hs auhor¢eton to slaw us and your back to deduct each paymahtpw aoodis cam you bank anournl, and s khitiate debit a creddentries b you bac 90001nt ore appficeble b carect:an error n the processeg of such peymeud Yau must tel us the amchrd ofeadn peynkerd, a you an seledan ansoraAartm as the ATesnrurnr Paynnetlt Due a the New Bsience m each sttderrsnt. Ya tern anoal a paymal, fhoaRVer we mustrecaive iota atlosft 6hrae fxsihema days ilk advance of 8ke sdneAled psymaht You my rhofly us byphas at 1800317-2683 a.by red at the address lama n the previous paragraph. Myer payments may vary let mtodumt ore coal lal you m each mhormtYy efetemeMwfsn your payment wN he monde and taw much l wftl be: You Aulomatia payment amaaht may the less tlmat krhrJossed on the nrrOrWly etetemiertdssed m txeQlta a payments applied doing the bikhg gcle. Credit Reporting. We may report edammfim about your account b orafit bureaus. Late payments, mussed payments, or el erdetauls on your account may be ruled in your credit spat We normally reportlie slates and payment history of yourAoco nt to credit reporting agencies each month. Myou believe that our repro is iuacurate or kn timptate, please write' us at he folowirg aftne: Discover. PO Boa 15316. Wlmirglom. DE 196505016. Please include you name, address, has telephone number a tlAocornt number. PERIODIC FINANCE CHARGES. Periodic Finance Charges are imposed on all a minctions from the dale the transaction is posted to yourAm a d real is date you pay yor entire New, Balance, by making payments or receiving credits. Howew, 0 you pail the New Balance on your wevias biting stetement by cis Payanerd Due Date shown on hatatatement, and you pay tlr New Balance by the Payment Due Date on your arr6nt biting statement, we will not tnpose Pedodro Finance Charges on new puchases, that is. purchases first appearing on the current statement. We dal has he pace peu0d Otherwise, you will receive a billing staiarsrd next month that includes Periodic Finance Charges on throw new purdsses. There is no grace period on balance irasfets or ash advances. We sat your barsactions nb groups of purchases, cash advances, and balance transfers and than further son the bansaftm within each group by their Annual Percentage Rate. For example, furduses subject b a pranctionel role and purchases subject to a standard rate world be separate groups. We refer to tame gaps as kasaction categories. A the end or f , we ampule balukas end Pasdic Fnenoe Charges br maim caret tls biig period tar eafi trahsadiak ategory We use is fdlaakig equagai to oompnaa each Clwges breach hmsaction category: Average Defy Bdahce x rmarber of days n he bdknp period x Ody Periodic Rate. (Yai may refer b rim finmce dmrge srrrhnhery m your biting stalarentfa tsae arrprmis.) Then the add yh tls Periadc Rena fltsges far each trarsectron category bgel he ldai Periodic Feurnce Charges for yon Accent. TheAvaege Daly Valence s shownn as zero if, hearse of he grace period. ono Periodic Fiance Charges appry b tle balenc?e n a trahsacean category. We use lheAverage Daly Balace (kO- :g new transactions) method of calc latrg he balance upon which we impose Periodic Finance Chagas. We compule the Average Daly - Skid, for each transaction oategay by adding up all the daily balances in a billing period bra transaction am" and dividing the sold by the number of days in the billing cycle. We oompuethat daily balance forsach transaction category an each dayby1istadding the bob" to the previous days daily balance: trasadcrs made that day, No charged that day as Parodic Finmcs Chagas accred an the pieviausdays dimly bloc end by Um abtretVrhg any credits and payments that are applied aganst the balmy d be tiensacticn cabpay on hetday. In calodehg the daily balance forthe fiat day offs bdkg period, we consider ts'preuios day's balance' to have been you balance kr each transaction calegoryon the bof day of yor frevwts billing period. Us ransacbon is posted io yourAcmunt after to clue alts billing period in which it occurs, we coil treat rho transaction as hav- ing ocaared on the Gstday d to biting period in which its posted b yvuAocount. Al fees dtarged to yo rAccoud are added b the standard purchase transaction category with to exception of CsshAdvance Transaction Fee Finance Charges wtucin are added to Ile applicable ash advance bansacbm category and Balance, Trasfa Transaction Fee fiances Champs which ore added to the applicable balance transfer kansedion category. Whim a special beterc e a der rah expires, we move the unpaid balance of he balance V tr a rukrand the Balance Transfer Trasaclon Fee Finance Chagas to the standard purchase ? . .. ? M y trarsad ion cebgory! However, if the speck rate has been terminated under the Desul Rate Pan. we leave the unpaid balance tithe balance transfer and the Balance Transfer Trans-: action Fee Finance Charges in the applicable transaction calm" urdi the special rate would haweexpired. For TOO (Telecommunications Device for the Deaf) assistance, please call 1.800.347.7169. Discover may manta andlor record telephone cats between you and Discover represadathin for quality assurance purposes. The Nscover° card is issued by Discover Bark Member FDIC. 01TBK170 DISCOVER u pays b ERNEST SOURER DISCOVER Account number ending in 7733 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. Ik 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 Discovercom/paperless and sign up j for Paperless Statements today. @2010 Discover Bank, Member FDIC PPRGRI3.0810 Closing Date: August 10, 2008 page 2 of 2 Finance Charge Summary Balance Transfer offer for current billi% period: Daily Periodic Rate: 0.00521 %; corresponding ANNUAL PERCENTAGE RATE: 1.90%. Rate is subject to the terms of the offer including expiration. Nominal Average Daily ANNUAL ANNUAL Periodic Transaction Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE 8 ces Rates RATES RATES CHARGES CWGES current billing period: 31 days Purchases $2491.77 0.05408% 19.74% V 19.74% $41.77 $0 Cash Advances $1231.64 0.05956% 21.74% V 21.74% $22.74 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. QUeSHOnS? Manage your account at Discover.com or call 1-800-DISCOVER (1-800-347-2683). New Balance Minimum Payment Due Account Number ending in 7733 DISCOVER $4,690.56 $94.00 Enter Amount Enclosed Below Payment Due Date $ October 9, 2008 Please make check payable to Discover Card or pay online @ Dlscovercard.com. 10 sDSN6ao1 0008149 ERNEST SOUDER 2607 WALNUT BOTTOM RD CARLISLE PA 17015-9329 Tired of buing stamps? Go mobilel Make and schedu a payments from your phone with the Discover app. it's fast and It's free. Download now at discover.oom/apps PO BOX 71084 11111 Kill 111& 1111111111 1111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space {rr1n?{rn{nrr{r{{rrr{1r{r{rrr{{{11tH{11{rr{rn{?nrlrr{rr{r{tr?{ above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892145109046905600100000009400 Discover More Card Account Summary Closing Date: September 10, 2008 page 1 of 2 Account number ending in 7733 Previous Balance $3,901.46 Payment Due Date October 9, 2008 Payments And Credits - 100.00 ,Minimum Payment Due $94.00 Purchases + 811.01 ;Credit Limit $14,300.00 Cash Advances + 0.00 Credit Available $9,609.00 Balance Transfers + 0.00 Cash Credit Limit $7,300.00 Finance Charges + 78.09 'Cash Credit Available $6,564.00 New Balance = $4,690.56 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashbock BonuSe Opening Cashback Bonus Balance $ 54.50 New Cashback Bonus This Period + 2.80 'Cashback Bonus® Since Anniversary Month -January: $5.67 Ccahback Bonus Balance $ 57.30 How Can We Help You? P 1. Visit D6cowr corn to pay your bill for no cost, view your l t t A f ti d t i d d a es ccoun n orma on, earn an more re eem rewards an ;It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347.2683) for fast, easy Wl`service Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us of Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sob Lake City, UT 84130 (Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. Trans. Post Dais Date 'Payment: and Credits Sep 1 Sep 1 PAYMENT - THANK YOU $ -100.00 Gasoline Aug 15 Aug 15 HESS 38252 CARLISLE PA 85.00 Sep 5 Sep 5 HESS 38252 CARLISLE PA 90.01 Autornalivo Aug 16 Aug 16 FAILORS AUTO SALVAGE CARLISLE PA 636.00 'Information For You Let us show you how to make your money worth more at Discover.com/brighter 'Finance Charge Summary !Balance Transfer offer for current billing period: Dally Periodic Rafe: 0.00521 %; corresponding ANNUAL PERCENTAGE RATE: 1.90%. Rate is subject to the terms of the offer Including expiration. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FH4ANCE Bolances Rates RATES RATES CHARGES current billing period: 31 days -Purchases $3276.43 0.05408% 19.74% V 19.74% $54.93 $0 ;Cash Advances $1254.58 0.05956% 21.74% V 21.74% $23.16 $0 'The rates that apply to your Account are either fixed (F) or they may vary M as noted above Important IMormatiom 9 More is more titan arts pegs to bus ling statement, see the brads at each page for adddoial important information. See your Canimember Agreement, Your CardmemberAgfeememmntairn all the terms of yourAccount. Lost or stolen cards. Report immediately! Call 1.800.347.2683. Billing Rob Summary. In Case of Emars or Questions About Your at, 9you think your bill is wrong, or it you need more nfomoalon about a transaction on your bill, write to us an a o separate sheet of payer at Disaver, PO Box 30421, Salt Lake City, UT 84130.0421, as soon as possible. We must hear tram you no War Ow 60 days after we sent you ft first bill on m which the amt or problem opposed.. You canteteyituoous,butdoingsowillratpreserveyour tights.Inyour War, greusthet im"irknatfon: Your now aid Account number. The dollar amount of the suspected error Describe tine error and explain, ff you can, why you believe there is an error. If you need more information, describe the item you are unsure about. ? You do not have to pay any amount to question while we are investigating, but you are stil obligated to pay the pars of your bull that are not in question: While we imestigate your question, we carrot report you as detehquent or take any *Glen to o led to anent you question. Special Rule for Credit Card Purctmses: It you hoe a problem with the "ally of goods or seroces*Ayou purl asedwdh a merit card, wd you two tied in good faith to correct tie problem wits the merchant you may not have to pay be remaining amours due on the goods or services. You have this protection o* when the purchase price was more than $50 and the pudase was made in your home stab or within 108 miss of your mailing address. (If we own or operate the merchant, or 9 we mated you to adverasemenl for the goods or services. all "owes are covered regardless of the anwutd or location of p schase.) Payments. Send only your payment and the by portion of this statement in the envelope provided. Do not send cash By sending your check as described above, you suOmw us b use itfamntion on your ctrodk b make an electronic; lend frontier Ban you accent at ft behcis nstitution indicated on your check or to process The payment as a check to nsadion.. If payment is processed as an electronic fund transits, the translerwi7 be for the amount on the check. When we use information from your check to crake an dectroocfird transfer, lends may be w0cirom from you account as soon as the same day we receive your paymerhl and you oil not receive you check beck from your financial vhstiktton. The processirg of you payment may be delayed if you send cash, eorresponWakoe or other ilems with your payment if you send the payment to any other address or it you use an envelope other than the one ptondad. Payments received in props form at our processing bully by 5PM local time on any day will be credited to,yowAccount as of that day. PayRen4 received at - processing fly ef*SPM local time will be credited to yourAxauntas of the oars day. Byou have misplaced you mvebpe, send your payment so Discover, PO Box 6103, Card Stream, IL 601914103. Please allow 7-10 days for delivery t you payment is retuned unpaid, we reserve the "M b resubmit d as an alectrannic debit You an pay your mninrn payment ora greetaamount avenue telephone and you can setup a ftnalic payments. Cal us at 1800.347.2683. You will need this statement and you balk amourdku(ormatom You must won that sufficient fads are available in you bank account and d transactions mast comply with U.S. taw. You will be asked b provide 8re first 5 digits Myout account statement zip code. By ahtering two mumbena as you electronic sigahre, you will be agreeing to tie autar¢e9au to allow us and you bank to deduct each pWwt you eutlon loom your bade aeco u t, and birvTale debt oraedtoties b you bank account, as appfiablo; b correetan error n to processing of suck payment. You must tell us the amount of eedk payment or you an west an arena such as to Mninum Payment Die orthe New Balaroe on each statement You an angel a psyma t, hmover use must raaive mrotrce al less three temness days in aduence of the sc oc ded payment You may notiy us by plane at 1-0UU-347-2883 or by mad at arc address fled in lye previous may less, Un indicated indicated on may tre r ? ie rtin smount, Vy statement we t bawill Id sed on a? on each monthly or payments applied tdurriing to Ong cycler will be made and low mudn i will be. YauAkdomatc payment amount ay : Credit Reporting. %may report informaton about your account to credt bureaus. Late payments, missed payments, or other defatils on your account may be reflected o your credi report We nonnelly report the $100A and Payment history of your Account b credit reporting agenpes each month. It you bafieve that our report is inaccurate or incomplete. please write us at the blowing address: Discover, PO Box 15316. Wdmirgbn. DE 198%M16. Please 4xkWe your name, address, home telephone number and Account number. PERIODIC FINANCE CHARGES. Periodic Finance Charges are knposed a al ftermcDax from th date the transaction s paled to you Account ureil ft data you pay your entire New Balance, by making payments or receiving podia. However, 9 you paid the Now Bahama on your previous bMrg statement by the Payment Due Date shown on that statement, Anil You M the New Balance by the PWnW an Date on you arrant Wing statement, we WE nW ngose Periodic Froaoe Charges on now purchases, that is, pumdosestus appearing on to current statement. We al this the grace period. Otherwise, you will receive a billing statement next month that includes Periodic Finance Charges on those new purchases There is no gas period on balance transfers a ash advances. We sort you transactions into groups of purchases. ash acivaces, and balance transfers and ten fuller sort the transactions within each prop by them Annual Percentage Rate. For' eremple, purchases subject b a prarrolional rate and purchasns subject b a aterderd rte wnud be sepemb gmugs. We refs b these groups a trasaclon allegories. At the sad of each ?9 period. we rmm?puite halenhdxo ant Periodic Fnarce CAarges fareadh say ottie bTrhg period fa ealn trereactian abgory. We tee to following egretiarh b ecrnpute Peiodic Fieoe Ganges for ash mereectiorh ae9c7 Average Defy Balahca x mama of days n M hr7irug period x thin Periods Rete. {You may rata to the frehce charge summayon you bk"Nmhg atstarent br tlhese anoints.) Than we add tp the Periods Finance Charges for each trer?saction totegcry b get to Ids Periods Fnawe Chagas hx your Aaxxant The Aveage Daigt Belarnce s shown a zem'rf, bemuse d the gas period, ro fxeriodro Fiance Charges apyy b lie Dsana in a traeection category, We use the Average Daily Balance (moludng new transactions) method of calculating the balance kQon which we impose Periods Finance Charges We conhpule the Avers flail Balance for each transaction category by adding up all the daily balances n a btlirg period for a tramadfoh caw" and dividing to IDW by the number of days in the billing cycle We compute to daily balance for each aansocton category on each ray by first addrg the idlowdrg to the previous day's daily b®lence: tremactons made fhal day, fees charged to day and Periodic Finance Chages accrued on to previous days daily balance, and by then subtracting any credits and payments tins are applied against the balance of the transaction celegay an that dW, hWoUleting to daily balance for the f stday of the billing, period, we preiderthe'pwiae dsy'stalana• to have bon yea balance lu each transaction aleM on do lest day of your p *un billing period. If a transaction is posed to your Account after the close of to billing period in which it oomrs, we will tied the transaction as hav= erg occurred on to first day of the billing period in which it is posed to your Account. Al fees charged to.yw Ac:cuhl are added b tie standard Purchase transaction category wfuh ON exapkm W Cash Advance Transaction Fee Fiakwe Charges which are added to the ppkceble ask advance transaction category and sedate Transfer Transaction Fee Finances Charges which am added to l he applicable balance transfer k nsectiah category When a special balance kanser rate expios, we move the unpaid balance of the bntena trereter and the Balance Transfer Trameceorh Fee Finance Chagas b the standard purchase transaction MOVY.. However. 71he spacer rte has been terminated UnCW f1e Defeat Rate Plan, we leave it* unpaid balance of M balance traraw ow to Balance Transfer Trans- action Fee Finance Charges n the apPlicabte transaction category until the specs rate waits have expired. For Too (ToIecommunications Device for the Deaf) assistance, please call 1.800-347-7449. Dwmw may mailor erxfb( record telephone calls between, you and Discover representatives for quality assurance puposes. The Discrnrerv card is issued by Discover Bank, Member FDIC. OITSK170 I i - DISCOVER Closing Date: ERNEST SOUDER Isepternber 10, 2008 I Account number ending in 7733 page 2 of 2 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: January 10 Balance Previous Cashback Bonus Award Balance $ 54.50 Purchase Award This Period + 2.80 Cas ac Bonus Award Total 57.30 Cashback Bonus Award Balance Award Available to Redeem 57.30 $ 40.00 Restrictions apply to th Cashback Bonus Partner offers visit Discover eom or call 1-800-DISCOVER (1-800.347.2683) for details- For program details, we the Cashback Bonus program Terms and Conditiom. n New Balance DISCOVER inimum Payment Due P Account Number ending in 7733 $5,704.77 113.00 S Enter Amount Enclosed Below _ ?-Due Date $ r November 9, 2008 Please make check payable to Discover Card or pay online 0 Discovercard.com. 10 SDSN6A01 0008150 ERNES? SOLIDER Tired of buying stamps? Go mobilet Make and schedure pa ments from our phone 2607 WALNUT BOTTOM RD y y with the Discover app. It's fad andirsfree. CARLISLE PA 17015-9329 Download now at discover.condapps PO BOX 71084 lilts rllssssssllllssslslss CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space ,sls?lsrlrrr?s??rrrlrilr?rrr??l?rsr?ss?rr?ri??rslss?rrlrlrr?l above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892145109057047700100000011300 Discover More Card Account Summary Closing Date: October 10, 2008 page 1 of 2 Account number ending in 7733 Previous Balance $4,690.56 .Payment Due Dote November 9, 2008 Payments And Credits 100.00 Minimum Payment Due $113.00 Purchases + 496.38 Credit Limit $14,300.00 Cash Advances + 513.55 Credit Available $8,595.00 Balance Transfers + 0.00 Cash Credit Limit $7,300.00 Finance Cho + 104.28 Kash Credit Available $6,051.00 New Balance 5,704.77 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 57.30 New Coshback Bonus This Period + 2.19 Cashback Bonus Balance $ 59.49 Cashback Bonus®..Since, Anniversary Month ....... __ January: $7.86 'CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discover.com or call 1.8004DISCOVER (1.800.347-2683) to redeem. How Can We Help You? I . Visit Discover.com to pay your bill for no cost, view you latest Account information, eam and redeem rewards ad more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347.2683) for fast, easy solfaervice 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 Sch Lake City, UT 8,4130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Oct 1 Oct 1 PAYMENT - THANK YOU $ -100.00 Gasoline Sep 10 Sep 11 HESS 38252 CARLISLE PA 100.00 Sep 15 Sep 15 SHEETZ 00002634498 CARUSLE PA 46.00 Sep 28 Sep 28- BJS FUEL #9025 CAMP HILL PA - 50.01- - - Automotive Oct 7 Oct 7 ADVANCE AUTO PARTS #5869 SHIPPENSBURG PA 43.51 Cosh Advances Sep 24 Sep 24 CASH ADVANCE CHECK #0236 513.55 Sep 24 Sep 24 CASH ADVANCE TRANS FEE FINANCE CHARGE 15.41 Supermarkets Sep 23 Sep 23 SAYLOR'S MARKET NEWVILLE PA 70.00 Warehouse Clubs Sep 28 Sep 28 BYS WHOLESALE HARRISBURG PA 112.93 Home Improvement Sep 16 Sep 16 TRACTOR-SUPPLY-CO #0684 CHAMBERSBURG PA 73.93 Need Cash? Whether it's for an unexpected bill, an emergency car repair or your kids' school adivities, Discove*) 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. tmportam Informedon. If there is more than one page b tis btug.sfatemenL seethe back of each page for additional important information. See your Cardme nber Agreement.Your Canimember Agreement contains at do terms of your Amount- Lost" ?telerr'trirda. fieportnurhedielely! Cal 1.804347-2683. c Bong R(phb Summery In Casecf Errors or Questions About Your Bit: if you Birk your bill is wrong, or if you need more information about a transaction on your big, write to us on a °o separate diaq,at paper iAD6ooW PO Beni 30421, Soh take CAg UT 64130-0421. as somas posable. We nnrethear kom you no ieterthan 60 days aflerwe sere you the k9 bill on g whidt cite arorarpax8fem app You cart talepftone fs, but doing so will not preserve your rights. In your tailor. hive us the Wowing information: • Your ossw ortdAmount numtieir o • t'hedolarfkrrrotertoEMmeauspeded error • Deactbe th error and explr., if yov coin, why you.belim there is on error, If you need more iMpra Lion, describe the item you ae unsure about v You do rat bave.fopnty any smog inwesbnr white we are knRstuali g, but you are all obligated to pay the parts of your b8 dal are not in question. While we investigate your tom, 0veC4 M ni* you as dal nqumtortals anyecbm lacoAect the amount you question. Special Rule forCiv*Cwd Ptaehism: I you have a problem with the quality of goods asen4on that you pwdm W with a oredt card, and you have tried in good faith to correct . the problemhilr Ere maidWill j ou may urea have to pay:to remainirg amount due ontea goods of ow hoes. You have this proWbon only when the purchase price was more than $50, and ho puryfie'se. toes made in your Ihorre ate awifbin 1!10 miles of your mauling address. (t we awn a operate to merchant, orif we meted you the advertisement for the goods or sambas, al prrha6ssere axuNaedisgxdeas of the.arruourhla bratian ci purchase.) Poppy b. Solid ' Only Y-p6ymahfd 1111* top porbn'of tloeatrruentin the eowa&W provided lib not Sand cash. By sending your check as described above, you authorize us to use' fe n nywdm*toarieaneleakaechndrflashrhemyatur.ao=0attomaritalifatibaionndiatedayour check or bprocess thepayment asachock rarsaction.; tpaymsAfuprooSSSedalaneleetatiFfutidea!der,tra4enafetvitbefortheamohatanYtlar9+edt WtenweuseintasretionmomyaadectkbnhakeeneflreBarcSundtrandes, fir* maysbewildm#n:%m.your:Upouhtasaoonacheaerre;dayweroomyourpaymentorWyouwill riot-*myour dredkbadcInimyour financial in on 11Mprooew5t0of.tp4?payrpeMlxpybeddeYadflwnSerrdcash corte?or!danceorotlhxhtenxwdpryoFrpapao!t,dyaumWtopop..etttoanyo#wa?rassordyouuseen aaefrpeutlrR.pdx.tlaastpgstided.gg7ft atecswadinpeoporlmhslourprooesasg.140W.fry5Pb1??calNinean.aryday.wilbemftdtoyarrAcaomt.BR.ofOtgtday,1?tymai9d received of our procesion; levity abr5PM bcdlinewi be credited to yourAcouwntas of fie next day. !you have nosplaoed yourenvabpe, send your payverit to Discover. PO Box 8103, Odd Sheer, R:60W4103111ease eiow7-10doysfor delkryc 8 your peyonerit is returned unpaid, we raserie the right to hesubnrt t as an ekeuanic dealt Yotranpayyoufttliuia m peayynnmheenntt'ora9miteremmmlawthetelephone,andyouransetupbWaneticpajnnenb.Call usd1-800.347.2683.YoovA reed tiestolementandyour heittaeoathtinbinhrtorty6hthhfist'whom MmtaWidentMdsareavdablenyawba k.amont,andalkSrrsacionsmustotnpiyadthU.S.IN.Youwillbeoaledtoprovrdatofast Sdhpilsafyarlomrlydetde?eitfipcoda-?iyertatop??oaemanbers.esyarebctonlceipnntra,youwpbae0reaehglotrthisautpraeGanbalowusardyataberikbdedusteeicfm ' patytaent)pltartgfltttpe ifcaryrdsttttkaoootsd, euyd fe ewfrbedehi<ex askllenkiea byourbaulk actor!, ae,tepptee6b, b aareettnSaar into puooaespeg at sk1Fh paynreM Yau mast IeA is fw.snhou+l aASCltlaMaa!!I..a1.lrafn an eeleptaaitromrttarm.es Uhs Mnnrm ReymeM Due a Ste New Balanc?e an eadn shlemau,You arh txunoef a purymarL Ihowevarxs mist[4aeaepaBoF?NedlMpe;bhleYAessBeyanadusroeaflMsdredWet.DayrndrtYoutael'raflyruMPhoneatt•80D31j-2683arLymaiattlieadtresshsed'nlheprvious P?Qs?-hyar mayvayhrnoWtrwetifelyouoneadimontltystetMaeMwthea?wpsymedwibenhadeandhowrrahclmBailbe.YarAutomaticparnentarrhoaht, mflvbeless'tlherrir?antremmtlhhdakaranhbesedmorediteaoewrerdsrooleddrmolhe aTshat7' ewes. Credit 1Ngmoy repal`atornhaton abet your amount to.aedtbuream Labs poyimeols, missed payments, a otherdefoulls on your amount maybe reflected n youraedr rutpat 1Ne' rflpifit/rE tkad peyrnenf h'sbryr dyakAccouit toriedt teporfrg egahaes each nrmtlu. Hyou believe !!lout our ragout is kreoaxete a ahoorrpfels, please write' us at to k1low l'alidiaWDreaoinl; PO Box 15316. Wilmo m. DE 198505315. Please ndude you name. address: tome telephone amber and Amount number. Pf?lOpCfp1AN,0641tARGEti Pdtodefausue6(lrergeaarasnpaedonallmrnedioriaframihedsteYmetamagioniaposted to your Acoom!w ithedoleyoupayygeentire ryawtdelauoe kY ttfmh(ingpahPWils_ataceyrirg.credits. tbMever 4ywpeidihe Nov; Balance my- pnrviouS billing statement by the PaymeMOue tub shown ontatstesmhert, and YOU Pay to Niow* mdebythsPrPW Due Dale dl your aamrt brig Siaennanl we will not arpose Periodic France Charges on new p wdwAs, that is, purdesas fxq appearing: aq the nyrard de- 'it * call * ate grew period. Otherwise, you will receive a bRrg switemeM next month that ndudes Periodic Finance Charges on Opse new purchases. T" lenowowtargdofsb*wtapderawcash erivanoos: irtreaod your karwrbonsidagroupa ofpudam, cub advances, end baknoo, transfers and tan brterand the tanserbau who each group by theirAnnwal Percentage Rate. For ample. prdrasas.aub(sOba prrnnbonal ate and puichem subject to a standard rods world bomparale groups. We refer to t owW&ps as transacbn categories. At uhe end of eacrbiHQ.pashodrrso b.dncesandPeiisiiaFrmice,O liesfoveacrdayoftohTmigpdodtreachtaraactonabegory.Weusethefobowsgagka6ontoconipub Paiodc Fawner gauges forekh briisectah.atngayr Average Daly Balm x numberofdeya in is billing period x Oaiy Panodic Rele..(Yw May afar to to fiance large summaryorh W bftSli t for Own annnts.) Tian we add rap ha Periodic Fnaoe Chagos for each transaction category to get the btal Ped(de Fnaoe CFwges for your Account ThsAvemrge;ibiyi Salience is shown a zero if, because of to grace period, no P OD& Fnaroe Charges apply In to balance in aansaction category . ;Meuse ftAveraga 0* Bdsrhw (aucYrdmrg new tOOKO ins) rnetl0d of alrulaft ft balance uponwdhich we impose Periodic France Charges. We compute the A wage Deily Bdow for wO tfarmiion calegory byadding up all the daily bolorm in a filing period for a transaction category and dviding the 1AW by the number of days in the billing cycle. We. oarputatiadefy 6alahoafcreachbarbeuioth;eelegotyw Sam day by fedaddrg the tatowirgmte Pxayiorrsdayrsdayrbdathca xanseaoramade .thatday. fees.clhehged net day endPwrodcFiwrceChapesaoarhed.on'0tepmviorsdaysdalybatanw:adMOKna+6tredimganYaedbendpelrmenklhdaeappiedagairstlhabelerroeofilatramsactorr ategnryaethetdaytacdaMhhgta haleaoekrtaftd6yaftaheir9perbdweoasiderta'pivAousdeyabalance 'tobova aeactat celegoryantla.brtdyrdyaa.psvfprs (taeriodt(alrerserdidrirspciiedbyourAOOOUMdbr9redosedtratsaMhgpaiodnwlrmtoonrs,wewrltteatllietrahasdionashav. hog oCCURld en 11111e tars *yef bur biyiip period n which it is paled to yourAwount At fees. dysrgedbo yawAmOutt arraemea b the stadard purdrmo marssrdiom cakpory. with to exppYCn d CashAdvenoe Trasocton Fee From Omps which aaadded to the apptoeb4 c* advance traasscpom category and Balance Transfer Transaction Fee Fuanm fAwges which are added to the Wpicabfe bdonce harsher transaction calegoiy. When a eperidpatetlce.tiahs(errele ss? res, *evivm thewiiid balance of the balance 6aneferard the Balance Transfer Transaction Fee Fiance Charges b tie. swmwd purchase tra seclimcolis y. Npwom. Ithespecial rate has been terminated under the DdmA Rae Plan. we hove the unpaid balance of the balance ronsl r and to Balance Transfer Trans- action fee Few= Charges in Ile eppicehb trimmo ton ategoryrtx &a special rate would have expired. for TOD.(Tdecommuhicadsns. Device for the De4 aealehince, please, call 1404347-7419. Discover may mordaandibr record Wephow calls between you.and Discover repivam(alims for quality assuancce purposes. The Dt wm*ard is issued byDisoover Bank, Member FDIC. O1TBKt70 DISC Y EK It pays to ERNEST number DISCOVER Account numberer ending in 7733 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. 02070 Discover Bank, Member FDIC PPRCtIN.0810 Closing Date: October 10, 2008 page 2 of 2 Finance Charge Summary Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01367%; corresponding ANNUAL PERCE NTAGE RATE: 4.99%. Rate is subject to the terms of the offer including expiration. Nominal Average Doily ANNUAL ANNUAL Periodic Transaction I. Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES C ARGES CHARGES current billing period: 30 days Purchases $3739.33 0.05408% 19.74% V 19.74% $60.66 $0 Cash Advances $1578.75 0.05956% 21.74% V 33.15% $28.21 $15.41 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Questions? Manage your account at Discwver.com or call 1-800-DISCOVER (1-800347-2683). New Balance Minimum Payment Due DISCOVER $6,173.36 $122.00 Payment Due Date December 9, 2008 10 SOSMA01 0008151 ERNEST SOUDER 2607 WALNUT BOTTOM RD CARLISLE PA 17015-9329 Account Number ending in 7733 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online 0 Discovercard.com. Tired of buying stamps? Go mobile! Make and schedule payments from your phone with the Discover app. It's fast and il's free. Download now at discoveccomlapps PO BOX 71084 lllrrsllrrrtrrllllrtrlrlsrl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space IIIIIII fill if ItllrIrlrrlIII IIIIIIItIIIrI„l??lirrlrrl?rlrir,ll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892145109061733600150000012200 Discover More Card Account Summary Closing Date: November 10, 2008 page I of 2 Account number ending in 7733 Previous Balance $5,704.77 Payment Due Date December 9, 2008 Payments And Credits 150.00 Minimum Payment Due $122.00 Purchases + 517.79 Credit limit $14,300.00 Cash Advances + 0.00 Credit Available $8,126.00 Balance Transfers + 0.00 Cash Credit limit $7,300.00 Finance Charges + 100.80 Cash Credit Available $6,051.00 New Balance = 6,173.36 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Botluse Opening Cashbock Bonus Balance $ 59.49 New Cashback Bonus This Period + 2.58 Cashbadc Bonus Balance $ 62.07 Cashback Bonus®_Since Anniversary Month January: $10.4.4 CONGRATULATIONS! Your Cashbock Bonus(R) is waiting for you. Visit •Discover.com or call 1-800•DISCOVER (1-800-347-2683) to redeem. How Can We Help You? I . Visit DLscover com to pay yaw fill for no cost, view your latest Account information, earn and redeem rewards ci more It's your choice - 3 ways to help 2. Call I.800-DISCOVER (347-2683) for fast, easy selfaervice Please have Discover Card available. options or to speak with a Customer Service Account Manager your 3. Write us at Discover Card, PO Box 30943, for TDD (assistance for hearing impaired) see reverse side Sah Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Data Date Payments and Credits Nov 3 Nov 3 PAYMENT - THANK YOU $ .150.00 hterdrandise/RetaR Nov 5 Nov 5 BURLINGTON COAT FACT 599 CHAMBERSBURG PA 12.99 Restaurants Oct 28 Oct 28 RAILROAD CROSSING DINER CARLISLE PA 25.01. . Gasoline Oct 9 Oct 11 HESS 38252 CARLISLE PA 92.00 Oct 14 Oct 14 SHEETZ 00001784498 CHAMBERSBURG PA 42.00 Oct 21 Oct 21 HESS 38252 CARLISLE PA 75.00 Nov 6 Nov 6 HESS 38252 CARLISLE PA 80.00 Automotive Oct 8 Oct I I ADVANCE AUTO PARTS #5869 SHIPPENSBURG PA 190.79 Information for You Balance Transfer offer(s) for current billing period: Daily Periodic Rate: 0.01367%; corresponding ANNUAL PERCENTAGE RATE: 4.99%. Important Iniomatioa. K there is more ;hen onepage b On big statement see the back of each page for additional inpatient information. p See your CardmemberAgresment. Your CerdmemberAgreement cornans all the terms of yourAocaxhi z Lost or stolen cards. Report kmhediataly! Call 1.800341-2683. c Bltng Rights Summary. in Case of Errors or ghssiorsAbout Your Bil:9 you W your bill is wrong, or t you read more i formalim about a transaction on your that, write to us on a o separate sthestof paper at Discover. PO Box 30421, Salt Lake City, UT 84130-0421, as soon as possible. We must hear from you no later that 60 days attar we sent you Ms first big on'. 0 which the smor.or problem appeared. You can telephone us, but doing so wig not preserve your rights. In your letter, give us the following nbmabon: • Yaw name and Account numbs. • The dollar amount of the suspected error J • Describe the error and expkein. if you can, why you believe them is an error. I you need more information, describe the item you are unsure about You do not have to pay any amount in question while we are investigating, but you are egg obligated to pay the parts of your bill that are not in question. Whde we irnestigete your question, we cannot report you as dekrquent or take any Satan to collet do anoint you question. Special Ruk for Credit Card Purchase: If you have a probfen with the We* of goods or services that you purchased with a credit card, and you have tried in good faith to cared the probtdn with Ste mordwill, you may not have to pay to ter alrlrg anorredue on the goods or services. You have this protection only when the purchase price was Hare than SW and the purchase wes rnaaa n your home state orwttpn 100 miles d your assilig address. (K wo own oroperate lire merchant or Iwo nheikd you the advertisement for the goods or services, all purchases are coveted regadkss of the amount or location of pxaohase.) Payments. Sand only your payment and the tap portion d tie statement in the envelope provided. Do not send cash. By sending your check as described move, you authorae us to use information on your duck b make an ekdrorcc find transfer from your socom at the financial ralution idkafed on your check or to prvoess ire payment as a die* trrseclion; 8 paymentis pmaessed gs an eledrotMCpkhd trrfr. tlhe hasrtav?dl lea to tha amaxNan the check W4tenwa use utSame6on then your check to make en elactrorichsnd isensle, funds may be withdrawn from your accawt as soon as the sari day we receive your payment and you will net receive your check back from your financial insiidtion. The prooss irg of your payment may be delayed Iyou send dash, correspondence or other ibmsw+ithh your payment it you send the payment to my other address or K you use an envelope other 11m.1aone provided. Payments received in propie format our prooming faddy by 5PM focal Ilene an any day will he uedited to your Account as of OW clef Payments received at our processing Isoft OW 5PM food time will be entailed to your Account as of the rued day. If you have misplaced yaw envelope seal yam payment to Dscover, PO Box " 6103,CardSlum IL801976403.Pteaseallow7-.10days terde8vey-tyour peymatttisretwthedtrhpaid,wereservetherigtbresubmit. itasanekaronicdebiL You can pay your mnirm pr at a grealr amount over the telephone, anal you can set up eutmate payments. Cal ms at 1.804347-2683. You YA need tuts statement and yax bank amount Morelli= Y6u mum smre that sufficient furls are avedable in yaw bath amount wid all transactions must oanpywith U.S. law. You wig be asked to provide ft first ', 5 digits dyers account stateraernzip code. By ordering trose numbers as your electronic signature, you will be agreeing to this authorization to slow us and your bank b dehhp each payment you aullai of him youir back aocciu , and to ilufate debt or as& entries b your bent account as applicable. to correct an error in the processing or such payment You must 1B0 us is amount d each paymet, or you can select an emo um such as to M in n um Payrnad Due or the New Balers on each stsleruent You can ancal a papera, however we must receive notice attest the business days in advent of to scheduled payment. You may notify us by phone at 1.800347.2663 or by mail at to adufress listed into previous paragraph. K your paymets may very in amount, we will Id you on each montny statement when you lospentwil be made and how much itwn7 be. YaxAulemegc peymert amount may be less than iclicated on tae mommy stairiment based on credits or payments applied during the billing cycle. Cradg Repulinp. We may report information abort your amount to credit bureaus. Law payments, Messed payments, or other delehn<s on yaw acownt may be reflected in yo rcredit ; report We normally report the status and payment hiftry of your Account so credit reporirg agencies each month. Kyou believe that out report is inaccumb or incomplete, cease write in at the following address: Discover. PO Box 15316. Wdmiglon, DE 1985141%. Please include yaw reme, address, home.kkplone rarnber and Account number. PERIODIC FINANCE CHARGES. Peio&c Fwwm Charges are imposed on all transactions from the dare the transaction is posted to your Account unil the der you pay your entire New Balance, by meAig payments or receiving Credits. However. 0 You paid the New Balance on your previous bating statement by go Payment Due Data shown on het Moment, aid your pay the New Balance by the Payment Due Date on your c rrem billing statement we will not impose Periodic Finance Clerges on new purchases, that is. purchases fast appearing on the cement statennornt. We at Nuts the g xe period Dlhmarea, you will receive a billing statement next month that Mal des Periodic Fiance Charges on these new purchases. There is no grace period on balance Irarstsrs or cash advances We sot your transactors into groups of purchases. ash advances, and balance transfers and t heth firmer sett the transactions within each group by their Animal Percentage Rate. For example, purchases a 4ect b a promotional rate and purchases k6ject to a standard rat wand he separate grips. We rem to these groups as transaction categories. At the and of day d tlhe binp pedodtor aorta tarsagim category Nfe nee tlhe fogotrig equetah to carkpute sed, degas for each hansediar ealegay Average Defy 8alatce x rxriba d days n the bEn9 parrot x Daly Periodic Rob. (You may rater b the 8usrne cherga summery on your bang staemert brteae amounts.) Then we add up he Periodic Fxanoe Chagas for each trrheaction category b gat to blot Pecdocic Fiona Charges bryour Armum. The Average Daly Balance s shown as zero A, because d Vhe grace prod, rho Periodc Finance Charges appy to the bdence n a ransauaah abgory, We use theAverege OW Balance (nckdng now 8ansadmns) method d cakxtatirg the balance enpon which we impose periodic Finance Charges. We compute the Average Daly Balance for each transaction category by adding up all the daily balances in a biting period for a transaction category and dividing the ldet by the mariber of days in the tilling cycle, We aD" the daily balance for each transaction category on each day by fret adding to folowi g to the previous day's daily belara; lratspcoas made that day, fees charged that day and Pedo&c Finance Charges sorued an the previous days daily balance: and by ten subtracting any creme and payments that are applied aga iu ttne balance of the trensadion category en test dW In atansirg the daily balance for to fret day d the billing period. we consider Ihe'previots days balance' b have been your balance for each transaction category an file hat day of your previous billing period tie transaction is posted to yam Account after the dose of to billing period in which it amore. we will treat the transaction as haw trig ommed ah to kgday o11he bi tg period n which t is posted b yes Aomol. All fees charged to yourAocoud are added to the standard grchase Iramedion category with the exception of Cash Advance Tramaefon Fee Finance Charges which are added to the a ic" cab advance transaction cats ar nd Balance Tmnsler Transaction Fee Pman Char e licable balanc whic added to the traler transacti n cak ' Wh pp g g y a ces s h are app e gay en o a special balance transfer tab expires, we move lie unpaid balance of the balance transfer and the Balance Transfer Transaction Fee I anee Chagas to the standard purchase transaction category. However, I the special we has been terminated under the Del" Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Trans- action Fee Finance, Charges in the applicable transaction category usd tre special raw would have expired. For TM (Tolecom nrunatoun Device for the Deal) assistance, please cat 1800.317-7449. Discover may motto aaUor record wleplona oaks between you and Discover represenwUvea fa quafy assurance purposes. The Disaver° and is issued, by Discover Bank, Member FDIC. O1THKI70 DISCOVER tERNEST DER Account nt number ending in 7733 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 possword-protected, statement history, complete with merchant names, locations and zip codes. Go to Discovercom/paperless and sign up for Paperless Statements today. 022010 Discover Bank, Member FDIC 1 kolvk PPRGRN.0810 Closing Date: November 10, 2008 page 2 of 2 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee B lly Re dic ENTAGE RATE ?TA6E T WANCE F a lcince ates SS RRA ES CHARM ? current billing period: 31 days Purchases $4273.30 0.05134% 18.74% V 18.74% $68.00 $0 Cash Advances $1839.56 0.05751% 20.99% V 20.99% $32.80 $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 (1-8W347-2683). DfS4? y?YvG^K . New Balance Minimum Payment Due Account Number ending in 7733 F?yJ $6,757.16 $134.00 _ J Enter Amount Enclosed Below Payment Due Date $ ?- January 9, 2009 Please make check payable to Discover Card or pay online 0 Discovercard.com. 10 SDSN6A01 0008152 ERNEST SOLIDER Tired of buying stamps? Go motAel Make and schedule payments from your phone 2607 WALNUT BOTTOM RD with the Discover app. Its fast and Ire free. CARLISLE PA 17015-9329 Download now at discover.com/apps Po Box 71084 Illrrrllurrrrllllrsrlrlrr CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space Iir?nllin?nrilr?Irnrlnnlnlrnrllllrrrlrrlrrlrrl?rnlrnlrnlnlrnll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892145],09067571600150000013400 Discover More Card Account Summary Closing Date: December 10, 2008 page 1 of 3 Account number ending in 7733 Previous Balance $6,173.36 Payment Due Date January 9, 2009 Payments And Credits - 150.00 Minimum Payment Due $134.00 Purchases + 631.85 Credit Limit $14,300.00 Cash Advances + 0.00 Credit Available $7,542.00 Balance Transfers + 0.00 Cash Credit Limit $7,300.00 Finance Charges + 101.95 Cash Credit Available $6,051.00 New Balance = $6,757.16 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback 11 muse Opening Coshback Bonus Balance $ 62.07 New Coshback Bonus This Period + x1.88 Cashback Bonus Balance $ 66.95 Coshback BonusO Since Anniversary Montfr_ .. ... ........ _... 'January: $15.32 How Can We Help You? I . Visit Oiscover.com to pay your bi for no mot, "ew your latest Account information sum and redeem rewards and more :It's your choice - 3 ways to help , 2. Call 1-8004ASCOVER 1347-2683) for fast, easy self-service Please have your Discover Car d available. options or to speak with a Customer Service Account Manager . Write us at Discover Card, PO Box 30943, 3 For TDD (assistance for hearinimpaired) see reverse side g Solt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. T ran s. Post D ate Deft Payments and Credits Dec 1 Dec 1 PAYMENT - THANK YOU $ -150.00 Restaurants Nov 24 Nov 24 CRACKER BARREL OCS CARLISLE PA 23.06 Gasoline Nov 16 Nov 16 SHEETZ 00002634498 CARLISLE PA 25.76 Nov 25 Nov 25 HESS 38252 CARLISLE PA 60.00 Automotive Dec 2 Dec 2 ADVANCE AUTO PARTS #1256 CARLISLE PA 24.90 Services Nov 10 Nov 11 CLASSIC DRYCLEANERS-CA CARLISLE PA 3.10 Dec 2 Dec 2 DTV*DIRECTV SERVICE 800.347.3288 CA 63.58 1AD6CA0S - - Dec 4 Dec 4 NATIONWIDE INS AGENCY 800.276.4981 OH 397.85 001300003808630 Government Services Noy 10 Nov 11 USPS 4134870241 NEWVILLE PA 33.60 Looking for a last minute holiday gilt? Give the Discover eGift Card. No driving around for the perfect OR - send online instantly. R's good for purchases at millions of locations, online and over the phone. Finish your shopping today at DiscoverGiflCard.com/egiR Important Worrnatim. tthere is Moreton one page to ffr<s bi9ng statement, seethe beck of each page for additional important information. See your Cardmember Agreement Your CadroemberAgreement contains all the tears of your Awoum. Last or stolen cads Report imeediateyl Cal 1-M47-2663. Bitting Rights Summery. In Case of Emors or Qewtons About You Be: t OU tank your big is wrong, or t you need more iniamaUon about a transaction on year bil, vaita to us on a separale sheet of paper at Discover, PO Box 30421, Salt Lake Cty UT 64130 0421, as soon as possible. We must hear from you no later Own 60 days after we sent you the first bur on: which to ow or paoblets appeared. You can telephone us, trot doing so wig not ptesem your tights. In your letter, give us the k>tlowig indama4on: Yon name and Account ranter. The dollar amount of 1* aspeced error Describe the error ad explain, 9you cam why you believe there is an error. If you road more information, describe the item you are anima about You do rat have to pay any amount atquestion vduta we are butyou ere snit obligated to pay the pads of your bid that are not in question. White we investigate your rmt we cannot report you as delinquent or We any actin to collect the amount you question. Special Rule for Credit Cad purchases: 9 you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in goad faith to coned to problem with the rnlerdhant, you may not haw to pay the remaining amount: due on it* goods or services. You have this protection only when the purchase price was more ton $50 and the purchase was made in your home state or Within 1100 miles of your mailing address. (N we an or operate tha merchant, orIvie mailed you the advertisement for the goods or services, erg purchases ere covered regardless of the amount or location of purchase.) Payments. Sand any you payment and the tap portion of thus statement n le envelope provided. Do not send cash. By sending your deck as described above, you authorize us to use information an your chock b.make an id ctonic had tanner from your account at the fiuaxiel ns60lion irdiceted on your check or to access the payment as a check lrersacecrh: 9 payment is processed as an elako* fud transfer, the tenser vat be for to amount on the cock When we use information from your check to make an electronic fisted transfer, funds. may be withdrewm from your account as soon as to some day we receive you payment, and you wit not receive your check back from your inarial insthrton. The processing of your payment may be delayed if you send cash. catespondenx orother items wdh your payment, 4 you sand the payment to any other address or if you ate an orwebpe afar trot Ifs ore.pnwided. Paynrnls receivedp doper form at err paooesssg city g 5P11Ioeal time an any day 0 be credited b yourAaoud as 0#0 day Payments received at our procesaag facility offer 5PM local tone will be oredoad to yourAocount not the nsxl day. If you have misplaced your envelope, send your payment to Discover, PO Box . 6103, Cad Steam, IL 60197.6103. Place allow 7-10 days for dehverw It you payment is retuned unpaid, we reserve to right to rewA nt d as an ekcWk debit You can pay you minimum payment or a greater amount over the totephow, end you can set up anbnswo payments. Cal us at 1.800-341.2663. You will reed this statement end you bank accoutWominw. You must on swe tat suThcai fads are avaiable in you back account. and all wo nsadiaks mstcarpy with U.S. tear. You vA be asked b provide the first 5 dfifo of you a del" apoodhx ByeMering hose numbers as your elecooic signature, you will be agreeing w this auMiorantonlo alow us ant your bank ro deduct each payment you ahgwfte from your hank accou it and to iitate debit or a" ankles tb you bark account, as applicable, to cored an error in the processeg of such payment You must' tellus talsoma ni deschpapned, a youcah seledan amount such as the Mo rerun ixaynhat Duaa the.New Bdwn on each stabmsW You can cerhoel a payment hmover we must receive rhatioeal besttree busies days nth advaroe of the anted sled per" You may nobly us by plhane a 11-8130417-2W or by mat at the address listed in the previous paregrepA tyour nb my vary n W le K we still fell on each sfabomentwdren your payment will be me& and hew much it will be. YourAubmmc payment amaoht may belemton irshicated ante credits or paynenntsapplied duing bft%gce. Credt Rtporting. We may report rdumeuon abet your amount b credit bureau. Lab payments, missed payments, or other defatMs on your soaunt may be releded in you credit report We normally report to slaws and payment b" of your Account to coedit wortrg agendas each mash. If you believe the our report is inaccurate or incomplete, please write ins at the following address: Now PO Box 15316. Wkni gtm. OE 196505316- Place include you none, address, home Wepfane number ndAmont number. PERIORC FA1A111CE CHARGES. Periodic Fehakce Charges are unposed an err transactions from the data this transaction is posted to your Account mW the data you pay your entire New Beiace, by making payments or receiving aedts- However, if you paid to New Balance an your animus Wing statemertby to Payment Due Date "m on tat statement, and you pay to Now Batsno by tle Payment Due Date on your current billing stolen" we vvd not impose Patois Finance Charges on new purchases, that is. purchases first appearing:. on to oarant stabmeaL We Cali its to grace period. Ot Otherwise, you v l receive a bifng statement next month that includes Periodic Finance Charges on those new purchases. There a no grace period .onbalance frontiers or cash advances. We sort your hmadiora Into groups of puchaes, cash advances, and balance 4ansfers and tan further sat the transactions within each group by their Antral percentage Rate. For emmpb, pudhaw subject to a pranhotorhit fate and purchases subject to a standard rib would be separate groups. We refer to these grails as transaction categories. Al the end of each billing period, hws compute belercaa and Periodic Finance Clerges for each day of the biting period for each traeadan cat" We use to (otbang equation to compute Periodic Fxenoe Uwqu (raid intimation cabpr Average Dally Balance x number of days n dw billing period x Daily Periodic Rasa. (You may refer to the hrsoncecharge, surnmary on you biifgatatxmet for tese amounts.) Then we ark up to Periodic Finance Charges for each transaction category to get the toll periodic Finance Chages for your Aocant The Average Daily Balance ps shwa as zero 1, bemire of the grace period, o Periodic France Charges apply to the balance in a trersecuan celegory. We use the Average Daly Balance (including now kanseclons) meted of calpdating the balance upon which we impose.Periodic Finance Charges. We compute the Average Daily Belarxe for each transaction category by adding Lip all to daty balances in a biting pond for a transaction category and dividing the b W by the number of days in the billing cycle. We conpuae the dilly balance for each trafbad6Dn categcryr on ach day by first adding the it gawirhg b the FIRM US day's daily balance: trans ootaa made that day. fees charged that day and Peiio is Fiance Claorga accred an the previous days defy bebnoe; and by tlt subtracting any aeft and payments t al are applied against the balance of the earsaction catagcry on tAdW In cOo"q today Will=forte fast day of the bang ponied we casider Ire'previars day's bulehce• b fawn been you balance for each transaction catagoryon the tat day of yourpreAm billing period If a trarseclon is posted to your Account after the dose of the biting period in which t occurs, we wig treat the bensedan as lov- ing aoawed on to fr o t day of to biting period co ouch k is posted to your Amount. AN few charged to your Account are added to the standard puirdoss, transaction category wmh the exception of Cash Advance Transaction Free Finance, Charges which are added to the, eppkvble corn adverha tasectim calegory and Balance Transfer Tra Becton Fee Finances QwW which we added to the applicable balance transfer bansactioh category. Wien a special .bottom In rhefar rate apiros, we move the wpeid balance of I he balance transfer and the Balance Transfer TraswAxin Fee Force Charges to the standard purchase tanspcfan cekgory. Wowavar, I the social rate has been lemhinated under this Default Rate Plan. vre lave the unpaid befancn of to balance transfer and fee Balance Transfer Trans- adian Fee Fiume Chmgw in the applicebfe Iralseetion category unel the special rate would hove expoed. For TOO (Telecommunications Device for the Deal) assistance, please call f4WU7-7449. Discover may monitor wdfareord Ielegm cogs behveen you.and Discover representatim for quality assurance purposes. IN Discove' card is issued by Discover Sm* Member FDIC: O1TBK170 L s1 pays ro DISCOVER ERNEST SOLIDER l?t!SC -yE- Account number ending in 7733 Go green. Go paperless. Join the effort to save trees and clean up your mailbox. Jusl 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 Discovercomjpaperless and sign up • for Paperless Statements today. 02010 Discover Bank, Member FDIC PPRGRN.0810 Closing Date: December 10, 2008 page 2 of 3 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARM current billing period: 30 days Purchases $4522.38 0.05134% 18.7A% V 18.7A% $69.65 $0 Cash Advances $1872.10 0.05751% 20.99% V 20.99% $32.30 $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). Closing Date; ERNEST SOUDER DISCOVER' December 10 2008 Account number ending in 7733 page 3 of 3 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: January 10 Balance Previous Cashback Bonus Award Balance $ 62.07 Purchase Award This Period + 4.88 Cashbac Bonus Award Total 66.95 Cashback Bonus Award Balance 66.95 Award Available to Redeem $ 60.00 Restrictions apply to the back Bonus Partner offers visit Discovwxom or call 1.800-DISCOVER (1-800-347-2683) for details. For program detai a, see the Cashback Bonus Program Terms and Conditions. QASC Y ER New Balance Minimum Payment Due Account Number ending in 7733 $6,942.25 $137.00 ! Enter Amount Enclosed Below Payment Due Date $ February 9, 2009 Noose make check payable to Discover Card or pay online @ Discovercard.com. 10 SDSN6A01 0008153 ERNEST SOLIDER Tired buying stamps? Go mobile! Make and schedule payments from your plane 2607 WALNUT BOTTOM RD with the Discover app. It's fast and it's free. CARLISLE PA 17015-9329 Download now atdiscover.com/apps PO BOX 71084 '1110+11 riirirl?l?iir'i'rrl CHARLOTTE NC 28272-1084 Address, e-mail ortelephone change8Print change inspace above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892145109069422500150000013700 Discover More Card Account Summary Closing Date: January 10, 2009 page 1 of 2 Account number ending in 7733 Previous Balance $6,757.16 Payment Due Date February 9, 2009 Payments And Credits 150.00 Minimum Payment Due $137.00 Purchases + 224.28 Credit Limit $14,300.00 Cash Advances + 0.00 Credit Available $7,357.00 Balance Transfers + 0.00 Cash Credit Limit $7,300.00 Finance Charges + 110.81 Cash Credit Available $6,051.00 New Balance $6,942.25 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 66.95 New Cashback Bonus This Period + 1.23 Cashback Bonus Balance $ 68.18 Cashback BonusO Since Anniversary Month January: $16.55 CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discover.com or tail 1.8004)fSCOVER (1-800.347-2683) to redeem. How Can We Help You? I • Visit Discover coin 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. 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 Date Date Payments and Czedits Jan 2 Jan 2 PAYMENT -THANK YOU $ -150.00 Gasoline Dec 30 Dec 30 HESS 38252 CARLISLE PA 52.00 Jan 2 Jan 2 0263 SHEETZ CARLISLE PA 20.00 Warehouse dubs Dec 10 Dec 11 BJ'S WHOLESALE HARRISBURG PA 133.58 Hone Improvement Dec 29 Dec 29 LOWE'S OF CARLISLE, PA CARLISLE PA 18.70 Information For You Balance Transfer offer(s) for cun*nt billing period: Doily Periodic Rate: 0.02737%; corresponding ANNUAL PERCENTAGE RATE: 9.99%. Discover Gift Cards make the perfect gift for birthdays, weddings, baby showers and more. They can be used at millions of locations. Make it special by picking a design and personalizing with a name and greeting. Best part-they ship FREEI Or e-mail a Discover eGift Card to make sure it gets there on time. Buy at DiscoverGiflCard.com/occasion Valentine's Day is just around the corner. Find the perfect gift online and earn extra rewards through ShopDiscover. Earn 596 to 20% Cashback Bonus(R) at over 100 top online retailers like Blue Nile, Godiva, and FTD.com when you link through Discover.com/shop today) Important ofarndion. If bee is more Om one page to this billing statement, see the bait of each page for additional vrportent information. in See your CardmanberAgreement Your CardmemberAgreement contains all the terms of yourAccounL z Lost or Malem Bards. Reportimme"Otil Ca i-NO-347-2683. p Billing Rights Summary. In Case of Eras or Questions About Your IN: iyou birds your trip is wrong, or if you need more federation eba6 a transaction on you WI. write to us on a o ° seperaro sheet of paperal Discover, PO Box 30421, Sell Lake City, UT 84130.0421, as soon as possible. We must (tear from you no later Bart 60 days alter we sera you to first bit on oce which the am or problem appsmed You can telephone us, but doing so will not preserve yva rights. In your letter, give is Ifhe following information: •Yorname andAmmitnumber. i • The dollar amount of he, suspected error Desaile the am arid explain, if you can, why you believe there is an strait. If you need more Woo metbn, desriibe the tern you are unsure about. You do not have to pay any amount in question while we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate you questim we cannot report you as delinquent or tike any setiah to cord the amount you question. Special Role for Credit Card Purdhasm: It you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to coned the problem with the merchant, you may not have to pay the reman% amoax due on the goods or services. You have this protection only when One purohm price area mote tan $5D and the purdmse was made in you horns state or whirl 100 miles of you mailing address. (8 we own or operate the merchant, or if we mailed you the advertisement for the goods or ser mes, AN purchases are covered negardess of the amount or location of parchsse.) Paymenb. Send only you permit and the top portion of this statement in the envelops, provided. Do not send cash. By sending your check as described above, you authorize us to use idonriiat on yaw check to make an efeobonk find transfer from your account d the inan iaf 6tsOhrtom indicated on you check or to process the payment as a deck transaction. If payment is gwoessed as an ekdtonil;&W kensta, fie transfer vii be for the anwteo ftdieck Wttenweuse information hero your check to make an aiaChow fund transfer, funds may be withdrawn from yaw account as soon as to same day we receive your payment, and yw will cot receive your check beck hum your financial institution. The processing of your psymo d may be delayed dyou send cash. correspondence, or other firs with your payment, if you send the payment to any other address or if you use an enokip amlhatheoreprovided.Paymete.heceivedif.propebrivaloaprocecaingbrinyby5M.loealtanoonmy_daymill.becredited.lo.yorAccmattasofttratday. Payments received at our processing ba*ly der 5PM Total time will be credited to yourAooounas of the maxi day. If you have misplaced your envelope, send your Payment to Discover, PO box 6103, Cord Stream. IL 60197.6103. Pliume allow 7-10 days for delivery. If your payment is rehired unpaid, we reserve the right to resubi it it as an electronic debit You car pay you minion peyrrmit or a Stealer sow" am the telephone, and you can set V aufanatic payments. Cell in ak 1.80D-34.74683. You milt need tie alinement and your bank accent information. You must ensue the sufficient funds are avatable in you bank account, and all iransectiors must comply will U.S. low. You will be asked to provide in foal 5 digits of you socou t st +tsip ads. By entering those numbers as your electronic signature, you will be agresing to to atrbsirizakan to allow us and your bent to deduct each payment you authorize Mn you bark aomut, and to unbate debit or oadt entries to your bank eotaatt, as appicabb, to oorrad an ems in the processing of aaah payment You must let Ile this MV M of each payment. or you can select an amount such as the M nimarn Payment Due or the New Balance on each slekananl You can ca cal a payment, however we must receive notice at lent three business days in advance, of the scheduled payment. Yah may roily us by phew at 1400347.2683 or by mail at the address listed in the premus pasgmph.If you psymenb may vary it amount, we will tai you on each monthly statement when your payment all be made and low much it will be. Your Automatic payment amount may be less bat khdamidd on the monidy statemetwbesed on credits or payments applied dung he billing cycle. Craig Repotting. ft may report information abed your account to credit bureaus. Late payments, missed payments, or offer dela its on your account may be reflected in your credit report. We nornlaiy report the stain and payment history of your Account to credit reporting agencies each month. iyeu believe that our report is inaccurate or incomplete, please write us at the folovtig address: Disweer, PO Box 15316, Wilmington. DE 186545316. New include your name. address, home telephone number and Aocakmt comber. PEROIX FINANCE CH CZ& Periodic Fiance Charges am imposed on et, transactions from the date he transaction is posted to your Account until the date you pay your "a New Balance, by mddV payments or receiving credits. However, if you pad the New Balance on your previous billing statement by the Payment Due Date shown on that statement, and you pay the New BaNnrs by the Payment Due Dols on you current lolling statement, wend not impose Periodic Finance Charges on new purchases, that is, purchases first appearing on the current staalemmeml. We cat, ius to grace prod. Otherwise, you will receive a bring statement next month that includes Periodic Finance Charges on those new purchases. There is no grace period on balance transfers or cash advances. We sad your tia sacimnsinto groups of padases, rash advances. and balance Venters and ban further sot to transadiaas within each group by their Annual Percentage Rate. For example, purchases arrlJed to a promotional rate and purchases subject to a standard refs would be separate gaps. We refer to these groups as transaction categories. At the end of each billing pedod, we con" balmies and Periods Finance Changes for each day of to billing period for each transaction, category . We use the fo" equation to compute Periodic Fiiranoe Charges for each transaction Calagory: Average Dary Balance x number ddsys a the billing period x Deily PedodicRata. (You may telet to the !manse charge summaryron your thiagstdartaufor Ulese amounts.) Then we add up der Periodic Finance Charges for each transaction calegay to gat is total Peodhc Fiance Chagas for your Account The Average Daily Balance is shown as zero it, because of he grace period, no Pe*& Finance Charges apply to be balance in a transaction category. We use the Average Daly Balance (including new trenhsections) malhodof calaieiflg the balance upon which we impose Psood c FinakaeChaiges. We eeapats the Average Daily Balance for each InensecEan category by adding up et, the daly balances in a bung period for a transaction category and dividing the total by the ntariber of days in the billing cycle. We compade he daily balance for each mensecion adegay an each day by first addi g the following to the previous day's daily balance: transactions made that day. fees charged that day and Periodic Finance Charges aanad on Be Previous days daily balance: and by ben subs ndrg any credits and payments that are applied against the balance of is transaction category orb to day. In calculating the daily balance W the first day of the billing prod, we consider he previous day's IaW a to have been your balaaa for each tra saction cetegokyon the last day of your previous Wig penal 9a transaction is posted to your Account after is dose of ft Ming period im which it occurs, we will treat the transaction as hav- ing assumed on the fast dry of the billing period in which it is posted to your AocounL AN lass.dnaged I* yourAmouit are added to be standard purchase transaction Category with the excepdm of Cash Advance Transaction Fee Finance Charges which are added to the appitiols cash advance munaaction category and Balance Transfer Transaction Fee Finances Chagas which are added to the applicable balance transfer transaction category. When a specal balance transfer rata wpm, vie move t* unpaid balance of the belance, Intensifier and the Balarm Transfer Tronsacton Fee France Chagos b Iha standard pudase sainsecion calegmy. However, -d the spedel rate has been lane shed under ha Diboll Rate Plan, ore leave drys unpaid belience a( ft balance Under and the Balance Srander Trans- acim Fee Finance, Charges in the applicable tra escton category until ins special rate wand have expired. For TDD (Telecommunication Device for the Deal) assistance, please cat 1400.347.7448. Discover may monitor arndfa record telephone rays between you and Discover representatives for quality assurance purposes. The Dfseaver' cad is issued by Discover Dank. Member FDIC. OITRK170 DISCOVEK Go green. Go paperless. 1Y?ysya l ERNESTSOUDER DISCVEft' Account number ending in 7733 Join the effort to save trees and clean up your mailbox. Just sign up for Popedess Statements and you can help save over 70 million pages per year. You'll also be helping yourself to 24 months of password-protected, statement history, complete with merchant names, locations and zip codes. Go to Discovercotn/papedess and sign up for Paperless Statements today. (2010 Discover Bank, Member FOIL O, a PPRGRN.0810 Closing Date: January 10, 2009 page 2 of 2 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Doily Periodic PERCENTAGE PERCENTAGE FA E ? FINANCE I ces Rates RATES RATES C C S current billing period: 31 days Purchases $5029.29 0.04929% 17.99% V 17.99% $76.8.4 $0 Cash Advances $1905.22 0.05751% 20.99% V 20.99% $33.97 $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.co n or call 1-800-DISCOVER (1-800-347-2683). New Balance Minimum Payment Due DISCOVER' Account Number ending in 7733 $7,352.86 $145.00 Enter Amount Enclosed Below Payment Due Date $ March 9, 2009 Please make check payable to Discover Card or pay online 0 Discovercard.com. 10 SDSN6A01 0008154 ERNEST SOUDER 2607 WALNUT BOTTOM RD CARLISLE PA 17015-9329 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 mobiles Make and schedu a payments from your phone with the Discover app. It's fast and it's free. Download now at discover.com/apps PO BOX 71084 (llrrrllIs I'llllrrrlrl II CHARLOTTE NC 28272-1084 1„11N111111111111111AIII Itill III 111111l1rll 0000019864588921451090735286D0150000014500 Discover More Card Account Summary Closing Date: February 10, 2009 page I of 2 Account number ending in 7733 Previous Balance $6,942.25 Payment Due Date March 9, 2009 Payments And Credits 150.00 Minimum Payment Due $145.00 Purchases + 445.68 Credit Limit $14,300.00 Cash Advances + 0.00 Credit Available $6,947.00 Balance Transfers + 0.00 Cash Credit Limit $7,300.00 Finance Charges + 114.93 Cash Credit Available $6,051.00 New Balance - $7,352.86 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Cashback Bonus® Anniversary -- -- Month: January CONGRATULATIONS! Your Cashback Bonus(R) is waiting for you. Visit Discover.com or call 1-800-DISCOVER (1-800.347-2683) to redeem. Opening Cashback Bonus Balance $ 68.18 New Cashback Bonus This Period + 1.10 Cashback Bonus Balance $ 69.28 How Can We Hel You? p I • Visit Discover com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more It's our choice ` 3 Ways to help 2. Call 1.800-DISCOVER (347-2683) for fast, easy self-service 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 Frqud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Feb 2 Feb 2 PAYMENT - THANK YOU $ -150.00 Merchandise/Retail Feb 1 Feb 1 OWES BARGAIN OUTLET 64 CHAMBERSBURG PA 35.00 Gasoline Jan 12 Jan 12 GIANT FUEL #331 MECHANICSBURGPA 34.00 010040 Jan 21 Jan 21 HESS 38252 CARLISLE PA 44.00 Jan 27 Jan 27 RUTTER'S FARM STORES #64 CARLISLE PA 37.00 Jan 31 Jan 31 HESS 38252 CARLISLE PA 58,00 Warehouse Ch" Jan 12 Jan 12 BYS WHOLESALE HARRISBURG PA 101.23 Feb 4 Feb 4 BYS WHOLESALE HARRISBURG PA 56.47 Home Improvement Feb 2 Feb 2 LOWE'S OF CARLISLE, PA CARLISLE PA 40.68 Feb 4 Feb 4 TRACTOR-SUPPLY-CO #0264 CARLISLE PA 39.30 Information For You Balance Transfer offer(s) for current b ing period: Daily Periodic Rate: 0.02737%; corresponding ANNUAL PERCENTAGE RATE: 9.99%. Planning a Spring Break trip? Whether it's near or for, book online and save - with 5% to 20% Cashback Bonus(R) at over 100 top online retailers like Camival(R) Cruises, MyHotelStay.com, and Thrifty car rentall Just link through ShopD!scover(SM) at Discover.com/shop important Infontutfon. If there is more than one page to this billing statement, see the beck of each page for additional important information. p See your CardmemberAgreement Your CardmemberAgreement contains al the temps of your Amount. cn Lost or stolen cards. Report imrted istely? Cd 1$Otl."i47-2683. o Billing Rights Summary. In Case of Errors or Questions Mau Your BW Oyer think your bill is wrong, or 0 you need more iobimstion about a ransed on on your bill, write to us on a 8 separate sheet of paper at Discover, PO Box 30421, Salt Lake Cty, UT 8413D-0421, as soon as possible. We must hear from you no later (hurt 60 days after we sent you the fist bill on Witt do error or problem appeared. You can Wephare us, but dare so will not preserve your rights In you( letter, give us the following information: • YOIr Jtarlle ad Acoant tarnber. A • The doles amount of to suspected ems V • Dead" to error and explain, if you can, wary you baWm there is an errs. H you need more infumation, describe the stern you are unsure about. You do not have to pay any amours in question while we are investigating, but you are still obligated to pay to pads of your IA fiat are rat in question. While we investigate your question. we cannot report you as delinquent or take any action to collect the amount you question. Special Rule for Croon Card Pmclweas: If you have a problem with the quekty of goods or services that you purchased with a credit card and you have tied in glad faith to cared the problem with the merchant, you may not have b pay the remaining amount due on to goods or sevvirxs_ You haw this protection arty when the purchase price was more then 5511, and the purchase was mate in your fame stele or within 100 miles of your mailing address. (If we own or operate the merchant, or 0 we mailed you the a(Witsement for the goods or services. all purdreses are covered regardless of the arnoum or location of purchase.) Payments. Send only yaw payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your check as described above, you authorn us to use adortnalion on yaw died to make an doom baud transfer from your account at the financial insblu ion indicated on your check or to process the payment as a deck transaction. Op*nKA is processed as an electronic teed transfer, the transfer willbe for the amount on the deck, When we use information ran your check to make an electronic turd transfer, ' funds may be wiptdrsum horn your account as soon as tie same day we receive your payment, and you will not receive your check back from your financial institution. delayed Oyu send cash, conesporderhce or other Owns with your payment 0 you send the payment to any other address or 0 you use an 7110 processeV of yea payment may be . etrvalope otter Itelt ihedns provided. Palawerum received in proper tam at our processing tea7dyby 5PM local rem on arty day will be creded m your Acmurt as ofNat day Payments received at our processing fissee??hyr cola 5PM boat Am wig be credited to pwAcocunt as of to next day. 0 you have mspleced your envelope, send yaw payment to Drs cover, PO Box' 6103, Carol Sreem, L 01974103, Please allow 7-10days for delivery. 0 your payment is returned unpaid, we reserve the right to resubmit 8 as an electronic debt You can pay your mehkrxan papard ora greater wow veer the hdephow, and you can set up autemeho payments. Cal us at 1-800-347.2683. You will need this statement mid your bank account itbri alert. You mustenaee that sufficient lu ds are avalWA in your bank accent, and all ransacias must comply YA U.S. law. You will be asked to provide the fast 5 digit; of your aoookaa statement zip code. By entering those ambers as your electronic signature. you will be agreeing to to auUwrizerm to slow us and your bank to deduct each pvflrwd you atuhaae from your bank ac oait, and to insists debit or cradt entries to your bank Omni, as appicahle, b correct an error in to processing of such payment. You roust fall us the amount of each payrtsnt, or you can select an amount such as ft Mirwrarn Payment Due or the New Balance on each stafamen. You can cancel s payment, however we mst receive rake atlathes business days in advance of bye scheduled payment You may rotiy us by phone at 1.800.347.2683 a by mad d the address ided in the previous paragraph. Nyour peynanb meyvary in anent, we will fell you on each monthly statement when your payment will be made and how much it 40 be. Yo rAumrratrc paymsent amount may be less than irtttieated on the monthly statement based on credits or peyntems applied during the billing cycle. Credit Reporting. We may repot inbrmadort about yen accotw to credit bream. Late payments, crossed payments, or other delau t9 on your amount may be reflected in your credo report. We now* report to amts and payment history of your Account to aedt reporting agencies each mondh. it you believe that our report is inaccurate or incomplete, please write us at to blowing address: Discover. PO Box 15316. Mkrtrgon. DE 19850.5316. Please include your name, address, hate telephone number and Amount number. PEROM FINANM CHARGES. Periodic Finance Charges are imposed on all transactions from the date the transaction is posted be you Account until the date you pay your entire New Balance, by inaftpuymants orredsrvi g credits. However, Oysr paid the New Balance on your previous billing statement by the Payment Due Data shown on that statement, and you pay the Newt Balance by the payment Due Date an your cmrrent bill g statement, we will not impose Periodic Finance Charges on new puxdases, that is, purchases titer appearing an the amegt sfatensn. We call this to grace period. Otterwise. you will receive a hitting statement next month that includes Periodic Finance Charges on those new purchases. There is no grace period on balance pansfas or cash advances. We sat yam tarsectioma inb groups of pucdases, cash advances, and balance Vensfers and then Wier sort the transactions; within each group by their Annual Percentage Rau. For example, pueTteses subject b a prornoionn rate and purchases subject to a standard tats would be sepeuate groups. We refer to these groups as transaction categories. At the end at esch6 trip period we octttpufe balances aid Periodic Finance Charges for each day d the biting period for mach transaction Category Ws use dhefotbuwng squahon to oompute Periodic Faience Owes breach trasacbon eutegoryc Average Defy Belem:e x number of days n the bifwhg period x Daily Periodic Rate. (You may refer to the finance charge summery on your b*o stelem ntforgese a mills.) Then we add to the Periodic Finance Charges breach tremsection category to get the total Periodic Finance Charges for your Amount. TheAverage Dilly Balance is shown as zerot, because of the grace period, no Periodic Finance Charges applyto the balance in a transaction category. WsusetaAvaageDaily Balance (mcludngmlwtransactions) method ofcalculating thebalance upon which wenVosePeriodicFinance Charges. WeampuletheAverage Daily - - Balance for each ranaatban category by addrg.kp at the daily balances in a Ming period fora fansacrion category and dulling the total by the number of days in the billing cycle. We dzntputathe daily balance. for each transaction category on each day byf rstadding to bilowvg to the previous day's daily balance: transactions made that day. fees charged that day and PerioricFinawy Charge ; accrued onto previous plays daily bekmoe; and by Area subtracting any credits and payments that are applied against to balance of the transaction cabM an tatdW In calculating the d* balance fa the first day of be biting period, we consider the *previous days balance' to have been your balance breach kanawbon cafepayon the led day'dyourpeeviara billing period If s.ransaction is posted to your Account after the dose of the bung period in which 0 ooars, we aid feat the transaction as hav- ig ecgryred attte.&M cloy ofqua bitty period in which 0 is posted to yturAocount All fees charged to ydwAocmot we added to the standard purdteae rarsacion ostegory with the exception of CadhAdvance Tretaacfon Fee Finance Charges which are added tote smioaWi6lisltauta8=Y exicbrlcategoryandBalance7rasferTransad on FeeFnacesCharges which ereaddedto to applicable balance transfer transationcategory.When a speoim bdomee tasalsriata expfres, wtta move tke.unpaid balance of the balance bansferard to Balance Transfer Transaction Fee Finance Charges fe fe standard purchase raraacfenaalsgpry. H NOW, lute speed rate has been lerminated under the Default Rate Prat, we leave the unpaid balance of the dance transfer and the Balance Transfer Trans- action Fee R Mica Cleget in to applicable transaction category uhti to special rate ward have expired. For MO.(Tekeartttmr ii:Alons Devica forlhe DeA assistants, plena call 1-800.347-7449. Discover may monybrapdrar -ord.Wephow cants between you and Discover representatives for quality assurance purposes. The Uisccvens card ci issued by Discover Be* Member FDIC. OlTBK170 DISCOVER' It pays to ERNEST SOUDER DISCMER Account number ending in 7733 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. 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. WOIO Discover Bank, Member FDIC PPRGRN.0810 dosing Date: February 10, 2009 page 2 of 2 I 'Get the new debit card for teens with parental controls. With Current(SM) by Discover(R) Card, you can set spending limits, track card usage and restrict where they shop. Introduce your teen to smart spending habits todayl Use Promo Code TM209 by 4/30/09 to get the first month FREE ($5 value) at Curren"iscover.com. See website for details. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily R?lc AG£ A ES RA O M FINANIM TTE S R AT C li d current billing period: 31 days Purchases $5258.25 0.04929% 17.99% V 17.99% $80.35 $0 ,Cash Advances $1939.49 0.05751% 20.99% V 20.99% $34.58 $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 i-800-DISCOVER (1-800-347-2683). New Balance K I OV Minimum Payment Due Account Number ending in 7733 d l 7,364.66 7,364.66 E D SC $146.00 Enter Amount Enclose Be ow Payment Due Date $ April 9, 2009 Please make check payable to Discover Card or pay online @ Discovercard.com. 10 SDSN6A01 0008155 ERNES? SOLIDER Tired of buying stamps? Go mobile! Make and schedule payments from your phone 2607 WALNUT BOTTOM RD with the Discover app. It's fast and its tree. CARLISLE PA 17015-9329 Download now at discover.com/apps PO BOX 71084 111111111 If 11111111 CHARLOTTE NC 28272-1084 Address,a-mail or telephone change? Print change in space ?ii?r??nn?rrn?111111)1[1111111111111'rn111({1)1rr'ln'nrlnltnll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892245109073646600150000014600 Discover More Card Account Summary Closing Date: March 10, 2009 page t of 2 Account number ending in 7733 Previous Balance $7,352.86 Payment Due Date April 9, 2009 Payments And Credits 150.00 Minimum Payment Due $146,00 Purchases + 55.00 Credit Limit $14,300.00 Cash Advances + 0.00 Credit Available $6,935.00 Balance Transfers + 0.00 Cash Credit Limit $7,300.00 Finance Charges + 106.80 Cash Credit Available $6,051.00 New Balance $7,364.66 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashbock Bonus Balance $ 69.28 New Cashback Bonus This Period ± 0.13 Cashback Bonus Balance $ 69A1 Coshback-Bonus®-Anniversary....... . . ....... . _..... .,..... Month: January CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discover.com or call I.800•DISCOVER (1-800.347.2683) to redeem. How Can We Help You? 1- Visit Discover corn to pay your bail for no cost, view yw 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 Discover Card available. options or to speak with a Customer Service Account Manager your 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) we reverse side Safi Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Data Date Payments and Credits Mar 2 Mar 2 PAYMENT - THANK YOU $ .150.00 Gasoline Feb 12 Feb 12 HESS 38252 CARLISLE PA 55.00 Information For You "ATTENTION" The day of the month that your payment is due will be changing. Your new Payment Due Date will be printed at the top of the remittance coupon on the statement you receive for your billing period that ends after May 1, 2009. Your Payment Due Date will continue to be at least 25 days from the Closing Date shown on the billing statement. Important War iralion. 6Miere, is more.than one page to this bring statement, see the bade of each page for additional important udomtation. co See your CardmenalwAgreement Ydr CardinemberAgreement contains of the terms of your Amount z last or stolea.tards. Repot immediately Call 1480347-2683. O ORliag'QigMtSuq+RwyInCadadErsaserrquesiomAboutYawOt.Nyoutnhyourbill isw %orAyouneedmorenformabonaboiRatrensadiaronyourbill,writetousona separele sheet 4papat at Disoow,, PO Box 30421, Sall Lake City, LIT 841340121, as soon as passible. We must hear from you no later than 60 days after we sent you the first b9 m 0 W" the am or problem appeared: You can eelephone us, but dopy so will not preserve yaw rights. In your wiser, give us the fotloft intimation: • yos Mahe andAccowd arnbBf,, N ` The dollar a nawifof the anaparled error v • Deacriba fire ertaeM . dyou tgrr, why you bdm there is an error. If you need more information, describe the dem you are umire about You do not have to pay any entrant in question white we are investigalirg, but you are sill obligated to pay the parts of your bill that are not in qu:sion. Mrile we investigate your queaton. we caaid report you as deinquent or take arty scion to coledthe amauht you Westion. Special Rule for Co ft Card Pwclaees: O you have a problem with the quaityot goods orservices that you pradresed with a credit card, and you have toed in good faith to correct the problem with thenrerchent, you may not have to pay the temairing amount due on the goods of services. You have this protection only%ten the purchase price was more fan 350 and the purdreai wss.medaii your home slate orwitlwr 100 miles of your mailing address. (ewe own or operate the merdnant, or d we mailed you the advertisement for the goods or services, of purcrases are covered fegerdism of the amount or location of purchase,) Paymamts-Send only your payunemard Ore by porim of ids statemad in tlw anvebpe provided. Do not send cash. BYsending yar rdredc as dexxibed above, yet authorize us to uss irbrmekon m you dhedt tarneke a electrartic fund bansfer irprt your aocouht at fe knwmdel waiWbon indiatad on your dart a to process the payntew as a dnedt tmraacfon. Hpayaxrrtis ptex{sed as aaeleehoricbird tcan?er, the trite vw114e err hie amaW a+Ne dwxk VAw>n we use kdmnaion term you cttesic eo make an eledmnic had transfer, krlds gory fa wripttkaym Liam yogi accorurt r>s soon ? 11? same.?y we receive your paytnenl arwf ycu wit rbl receive riu dock bark ham you funendat irsituttin. The processing of your prymmn may be delayed f you sand cash, mrmsporderrce or other imms with Your Payment. I you send In payment to any other address or f you use an onvdope ofar.Bhan.IM.ona provided. P.aymen s.received irproper fam.ai our. processing facility by 5PM.bal4uo on.any day twit be aced edm.MAmou ntmt.ef.lha9 day. P.Aywanfe received at our proceseip firdly after 5PM bait time will be credited to ymAcconnt as of the next day. f you have ndWWW your envelope, send your payment to Discover, PO Box 6703, Carol Skmm, k 60197-6103. Plerare" 7-10 days for delivery. If your payment is reaursed unpaid, we reserve dre right to resu6nsl ft as an ekdronc debit You oadpayyour minimum payment or a Fasteramotmi over the teleplime, and you can set up aubmeic paymi nrs. Col us at 1400.347-2683. You will need this statement and your beak waadinarraawYoummtcamth %0zedfunds wettvaiableinyau.beltaocantendall t asolionsmustowiplyYAUS.lawYouwlbeaskedtopmvidathelist 5 dgh efyou scoou t stalsmard zip code. By entering those numbers as you slectrordc sigtrekre, you wit be agreeing bids sufbrizatron to dow us and your bent to deduct each prhywmen you ahltaae from your bank amount, and to ofiete debit or credo erodes b you bank account, as applicable, to correct an error in Be processing of such payment. You must tail ua Bw amanl of aech payment or you can seled an annouatsmch as the Minimum Psymem Due or the New 8dmnce on eafh stewnent You can cancel a payment. however we mstmosive molloaatlaastttree Ineiimdeysin admire of Bne, edxdtded paperit You may ratty us by phone at 1-804347-2683 or by mail at the address failed in the previous t>arra7ilph. 9yew f> le mayvary n amount, are wit tall you on each mis" stalameM Mm you payment will be made and how much it YA be. YourAubmalic payment amount maybe Was fuarnidcated on the m or" statement hased on credits or payments applied during the bring cycle, Credit RapoA . ft may report intimation about your amour b credit bureaus. Late payments, ndssed payments. or otherdefautls m W account may be ts8eded n your redt report We =a* report in status and payment history Of yow Amount b ored'ft reporting agencies each math, it you believe that our report is inaccurate or inconplate, please write us at Inc blowing address. Discover, PO Box 15316. yyrpmigton, DE 198505316. Please i dude you name, address, hone telephone nur tier and Amount number. PERIODIC FINANCE CHARGES. Periodic Fiance Charges am imposed on all transactions from the data the transaction is posted b ywAccouo until the data you pay you entire New Batana, by marrcgpsymeals or receiving credits. H waver, it you paid The New Balance on your previous biting statement by the Payment Due Date shown on that statement, and you pay to Now Bdmceby Nei Payment Due Date on your current billing statement, we will not impose Periodic Finance Charges on new pwdwes: that is, purduses first appearing on the current statement. We aft ft ft grate period. Otherwise. you cud receive a billing statement next month that includes Periodic Firrence Charges on those new purchases. There is no grace period on balance transfers or ash advances. We sort your Iraruedlon s into gm p; of pudasas, ash advances, and balance transfers and than further sat the transadions within each group by theirAuwal Percentage Rate. For exarr4k, pudair s subject to a pmmoionel rate and purchases subject to a standard rate would be separate props. We refer to these groups as trasad m categories. At the end of each blip period, wv corpule balances and Periodic Finance Charges for each day of tire billing period for each traimackon category. We use the kilowng equation to compute Periodic Fmence Charges for each transaction alegory: Avaage Daly Balance x mambei o (days; m the billing penal x Daily Periodic Ratio. tYou may total to the fnana Omp summary on your biting statement for these amounts.) Then we add tip the Perodic Fenarce Charges for each karasdhat category to get ft VA Periodic Finance Chagas for you . Account The Average Day Balane is short as taro d, because of fa grace period, no Pedadic Finance Chagas apply to the balms in a transaction ategory kr ig new hansedions) method of calculating the betance upon which we impose Periodic Finance Charges We congxule the Average Daly c We use the Average Daly Bat e rt a (i .? . w . 1. ? Belence for each rensedron category by addkg tip all the daily balances in a Ming period for a transaction category and dividing the toW by fa mmbar ddays in the billing cyde. We compift the d* balance for each bainsadirrin category on each day, by first adding the Ulu" to the previous days daily balance: transactions made ft and Pm&0 Fiance Charges aoauedd an the prevrous days daily bakmoe; aind by then subradirg any credits ant payments that are applied against the balance of the Vivisection category on that day In eeladaling fa daily Memo forty first day of the billing period, we coder the'previous day's balena'to have been your balance for each transaction alegoryon to had day of your preious M4 pedod. Oa transallon is posted to your Amount after the close of the biting period in Wdch it occurs, we ail treat the transaction as hav- ing occurred on Ha frost day of the filing period in which it is posted to yo urAcoanl. NI fees charged to your AcauM are added to the standard purchase mersacfon category with the exception of Cash Advance Transaction Fee Fiance Charges whkh are added to the acs raserson category and Balance Transfer Transaction Fee Fiances Charges Wjxh we added to the appiade babas Ira-War transaction ategory. When appkabte cub ad u _ v ayf expires, we move the unpaid balance of the belerwa transfer and the Balance Transfer Trasacton Fee Finance Charges to the standard purchase a special balance ran e r m le y ? ? Y . W + . tmrsectim category Harrow. If the special rata has been terminated under the Defalt Rae Plain, we Move the unpaid bale nee of the balance raster and the Balance Transfer Trans- actfort Fee Fxwm Charges in fa applicable gasecion category and the Vacd rate wohld have expired. For TOD 1Telecommwrtcallons Device for the Deaf) assistance, please call 1404347-7149. Discover may monitor andorrecord telephone cats behveen you and Disoover represenlaives for quality assurance purposes. The Discover° card is issued by Discover Bank, Member FDIC. OITSK170 DISCOVER i It pays to ERNESTSOUDER DISCOVER Account number ending in 7733 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 f aperless Statements today. CWIO Discover Bank, Member FDIC PPRGRN.0810 dosing Date: March 10, 2009 page 2 of 2 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Per ic PERCENTAGE IMAGE FINANCE MANCE Rates C HARM CHARGES current billing period: 28 days Purchases $5436.60 0.04929% 17.99% V 17.99% $75.03 $0 Cash Advances $1972.66 0.05751% 20.99% V 20.99°k $31.77 $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 1-804-DISCOVER (1-800-347-2683). DISCOVER' New Balance Minimum Payment Due ! Account Number ending in 7733 $7,502.11 $148.00 Enter Amount Enclosed Below Payment Due Date $ May 9, 2009 Please make check payable to Discover Card or pay online @ Discovercard.com. 10 SDSN8A01 0008156 ERNEST SOUDER 2607 WALNUT BOTTOM RD CARLISLE PA 17015-9329 Tired of buying stamps? Go mobilet Make and schedule payments from your phone with the Discover app. It's fast and it's free. Download now at discover.com/apps PO BOX 71084 111 09111111 If 11 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space above, or go to Dixover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892145109075021100200000014800 Discover More Card Account Summary Closing Date: April 10, 2009 page 1 of 2 Account number ending in 7733 Previous Balance $7,364.66 Payment Due Date May 9, 2009 Payments And Credits 200.00 Minimum Payment Due $148.00 Purchases + 217.65 Credit Limit $14,300.00 Cash Advances + 0.00 Credit Availoble $6,797.00 Balance Transfers + 0.00 Cash Credit Limit $7,300.00 Finance Charges + 119.80 Cash credit Available $6,051.00 New Balance = $7,502.11 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashbook Bonus Balance $ 69.41 New Cashbook Bonus This Period ± 0.54 Cashbook Bonus Balance $ 69.95 Cashback Bonu39 Anniversary Month: January CONGRATULATIONSI Your Cashbook Bonus(R) is wailing for you. Visit Discover.com or call 1-800-DISCOVER (1.800-347-2683) to redeem. How Can We Help You? 1 • Visit Discover.com to pay your bR1 for no cost view ur latest Account information, earn and redeem rewardsoand more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easysolF-service Please have Discover Card available. options or to speak with a Customer Service Account Manager your 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Data Date Payments and Credits Apr 2 Apr 2 PAYMENT - THANK YOU $ -200.00 Gasoline Mar 9 Mar 11 RUTTER'S FARM STORES #64 CARLISLE PA 45.00 Mar 11 Mar 11 SUNOCO SHIPPENSBURG PA 25.00 - Mdt 15' -' Mdrl 5 - HESS 38358 CARLISLE PA 28.65 Mar 23 Mar 23 HESS 38252 CARLISLE PA 55.00 Apr 5 Apr 5 HESS 38252 CARLISLE PA 64.00 Information For You "`ATTENTION"' The day of the month that your payment is due will be changing. Your new Payment Due Date win be printed at the top of the remittance coupon on the statement you receive for your billing period that ends after May 1, 2009 Your Payment Due Date will continue to be at bast 25 days from the Closing Date shown on the billing statement. Get the new debit card for teens with parental controls. With Current(SM) by Discover(R) Card, you can set spending limits, track cord usage and restrict where they shop. Introduce your teen to smart spending habits today! Use Promo Code TM409 by 7/31/09 to get the first month FREE ($5 value) at CurrentbyDixover.com. See Web site for details. Important Information. f here is more than one page to this being statement, see the beck of each page for additional important inbrmatton. co 0 See your CardrnemberAgreomenl Your CardmemberAgreementwntains all the terms of your Account. z Lost or stolen wade. Repot immediately. Call 1400-347-2683. no Billing Rights Smeary: In Case of Errors or Questions About Your Bill: If you think your hill is wrong, or 4 you need more information about a transaction on your bill, write to us on a o separate Wmtof pepw at Discover, PO Box 30421, Salt Lake City, UT 84130.0421, as soon as possible. We most hear Rom you no later than 60 days after we sent you the frst bill on which the error or problem appeared. You an telephone us, but doing so will not preserve your rigfrts In your Wer, gore to he to kwing nformation: • You name mid Account number . m • The dAwamount of to suepeded anon ~ • Describe to error and explaire, f you can. why you believe there is an error. If you need more information, describe fits item you are unsure about. You do not have to pay any amount in question wile we are investigating. but you are still obligated b pay the parts of your bill that are not in question. White we investigate your question. we cannot report you as delrq mt or take arty action to collect the amount you question. Special Ruk for Oreelit Card Purchases-. N you have a problem with the quality of goods or services thal you purchased with a credit card, and you have Vied in good failh to correct the problem with the merchant, you may not have to pay Are remaining amen[ due on the goods or services. You have this protection only when the "chase price was mote than $50 mid the purchase was made in your home sate orwithin 100 miles of your maiArg address. (0 we own or operate the merchant, or t we mated you the adver6semeM for the goods or services, all purchases we covered regardless of the amount or location of purchase.) Payments. Send only your paymed and the top portion of rtes statement n the envelope provided. Do not send cash. By sending your chedt as described above, you aatonze us to use irdewralon m your check to mekean electric fund transfer from your account at the financial institution i elikated on you dmdk or to process the payment as a deeck transaction. R payment is processed as an elednoecfrd transfer, fie transfer will be for the amount. on the cask. When we use Wometon from your chedtto make an efectromlured transfer, finds may be xritdrawn tam your account as soon as the sane day we receive you payment, and you will rot receive your check bads from your financial institution. The processing of your payment my be delayed [you send cash, ewrespordenee or other items with your payment, it you send to payment to any other address or it you use an eivmbps 06W tun the one pmvikd. Payments received n proper bum at our processing facility by 5PM local tin on any day will be credited to your Account as oftepidday, Payne ds received at our processing facility a8a 5PM local time will be credited to yourAdxoaa as of the next day. Vyou have misplaced your envelope, send your payment to Discover. PO Boot 6103, Carol Strom, IL 601978103. Please avow 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 miminampayment or a greater amount wer the weephme, and you can set up athmnabopayments. Call us at 1.804.347.2863. YouvN need On statemw and you talc aooort iMaratm. You roust enstre.But sufBdant funds are avaslahie in your bank avant, and all transactions must comply with U.S. law. You will be inked to provide the first 5 dills of your aecaxd statement zip code. By Woken; those numbers as your etedvonn signature. you will be agreeing to in authorization to allow us aid you bank to deduct each pejarent you &da m ram you bard; eocouK and to ini4ele debit or ahsdit entries to you bw& account, as applicable, to correct an error in the processing of such pepreant. You met let is the amount of each payernenk or you can seled an amount such as the Minimum Payment Due or [he New Balance on each statement. You can cancel a payment hoaever we must reeatva notice at tamst three kni m days in advance of the scheduled payment. You may edify us by phone at 1800.347-2683 or by mail at the address listed in he previous paragraph. kyotapaymunle may vary n around, we will tell you -each monthly statement when you payment will be made and how, much it will be. YorAummatic paymentamount may be lesstlen indicated to to mor"atetemed based on pedta or payments applied during the biirg cycle. Credk Reporting. We my report infamaAm about you account to credit bureaus. Late payments. mis-Ad payments, or other deteudts on you avant may be reflected in your credit report. We mmnaly report the sakrs and payment history of you Account to credit reporting agencies each mash. f you believe that our repot is inaccurate or inconplete, please write us at fu blowing address: Discover, PO Box 15316. WiMkgton. DE 199%-53t6. Please include you name, address, home telephone number and Account number. PERIDCRC FINANCE CHM ES. Periodic Finance Charges are imposed on all Intnsacfors from the date he transaction is posted to your Account until the dam you pay you entire New Balance, raiding paymenis or receiving credits. However, dyou paid the New Balance on your previous biting statement by he Payment Due Date shown on hal statement, and you pay the 5dum by the aymed Due Date an you current burg slalomed, we wit rat impose Pedado I mace Charges on new purchases, the is, purchases fist appearing on Ie oared stelemerd. We at On to grace period. Okawise, you will receive a billing statemad next month that includes Periodic Finance Charges on those now purchases. There is no grace period on balance raefms or cash advances. Wa ant you trarsecros into groups of purchases, ash advances. and balance Ministers and then further sort the transactions writer each group by their Annual Percentage Rate. For eice plm, purchases subped to a praraotionel rate and purchases subpect to a standard rate would be separate groups. We refer to gorse groups as transaction categories. At the end of each big parbd, we compute balances and Periodic Finance Chagas for each day of the billing period for each transaction category We use the btowirg equation te compute Balanc Pen oft Finance Char es for each transactio Avera e D il x n f da s at th riod x D P Rata Yo fi e or b bu i di to th il f h g g um y e a y . ( u may re n cat g y a y e er o ng pe er o c nwree c arge s e anarery on yorblling stal reed for#ease amounts.) Them we add up the Penodic Finance Charges for each transaction category to get tin trial Periodic Finance Charges for your Aeco nt The Average Daily Balance is stows as zero f, because of the grace period. no Periodic Finance Charges apply to the balance it a transaction category. We use the Average Only Balance (including new transadio s) method of calculating the balance upon which we wpm Periodic Finance Charges. We compute he Average Daly . Balance for each rasedion category by adding up all tithe daily balances in a telling period for a transaction category, and dkvielmg the trial by the number of days in the being cycle. We compute file daily balance for each rasediam category on each day by first adding the following to the previous days daily balance: barnsadias made het day, fen charged that day and Pabdc fwunce Chagas accrued an he previous days daily belanm, and by than subracting any craft and payments tat are applied against the balance of the trans edam alagory on tint day. In alaMtng the defy balance la the best day of the bring period, via consider dhe'previous days betena' to have been you balance for each i mmucton category on he last day of your previous billing period. If a trasad ion is posted to your Accost after the dose of the bAN period in which d occurs, we will beat the transaction as hav- ing eeamedon the fast day of the bifing period in which it is posted to your Account. All lees caged b your Account we added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance Isarm can category and Balance Transfer Transaction Fee Finances Charges which we added te the applicable balance transfer transaction category . When a special balance transfer rate erepies, we move die unpaid balance of the balance renstor and the Balance Transfer Transaction Fee Finance Chagas to the standard purchase transacion efekgory. Hoviever, rte special rata has been ttrmemeled under fie DefnhkRaw Poe, we leave the unpaid balance of the balance transfer and Ina Balance Ttasfer Trans- action Fee France Charges in the aWliable transaction category vac the special rate would have expired. For MO. (Telecommunications Device fur the Deaf) assistance, please call 1800.347.7119. DisCommay iorabr atdkrrecord telephone arts between you and Discover representatives for quatity assurance purposes. The Discover" card is issued by Discover Berk Member FDIC. OITSK170 DISCOVER Irpoyseo AERNccount nt nSOUDER umber beer r ending in 7733 DISC?VR 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 Discovercom/paperless and sign up for Paperless Statements today. 4 i 02010 Dixwer Bank, Member FDIC PPRGRN.0810 (losing Date: April 10, 2009 page 2 of 2 ;Finance Charge Summary Nominal Transaction Average Daily Daily Periodic ANNUAL PERCENTAGE ANNUAL PERCENTAGE Period' ? Fee Balance s Rates RATES RATES C CHARGES current billing period: 31 days Purchases $5499.15 0.04929% 17.99% V 17.99% $84.03 $0 'Cash Advances $2006.41 0.05751% 20.99% V 20.99% $35.77 $0 ;The rates that apply to your Account are either fixed (F) or they may vary (VI as noted above. Quesfions? Manage your account at Discover.com or call 1-800-DISCOVER (1-800-3,47-2683). New Balance DISCOVER Minimum Payment Due Account Number ending in 7733 $7,749.87 $153.00 Enter Amount Enclosed Below Payment Due Date $ June 5, 2009 Please make check payable to Discover Card or pay online 0 Discovercard.com, 10 SDSWA01 0008157 ERNEST SOUDER 2607 WALNUT BOTTOM RD CARLISLE PA 17015-9329 Address, e-mail or telephone change? Print change in space above, or go to Dixover.com. Print your e-mail address to receive important Account information and special offers. Tired of buying stamps? Go mobile! Make and schedule payments from your phone with the Discover app. It's fast and it's free. Download now at discover.comlapps PO BOX 71084 111 111111111111111111111111 CHARLOTTE NC 28272-1084 11111111 kill 11111111 11111111 Bill It 11111111111 111 000001986458892145109077498700200000015300 Discover More Card Account Summary Closing Date; May 10, 2009 page 1 of 2 Account number ending in 7733 Previous Balance $7,502.11 Payment Due Date June 5, 2009 Payments And Credits 200.00 Minimum Payment Due $153.00 Purchases + 328.99 Credit Limit $14,300.00 Cash Advances + 0.00 Credit Available $6,550.00 Balance Transfers + 0.00 Cash Credit Limit $7,300.00 Finance Charges + 118.77 Cash Credit Available $6,051.00 New Balance = $7,749.87 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Coshback 13onusS Anniversary._._........,.._...... Month: January CONGRATULATIONSI Your Cashbock Bonus(R) is waiting for you. Visit Discover.com or call 1-800-DISCOVER (1.800.347-2683) to redeem. Opening Cashback Bonus Balance $ 69.95 New Cashback Bonus This Period + 0.82 Cashback Bonus Balance $ 70.77 How Can We Help You? 1 • Visit Discover eom to pay your bit for no cost, view r latest Account information, earn and redeem rewa s and more It's your choice - 3 ways to help 2. Call 1-804fISCOVER (347.2683) for last, easy self smice 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 (ossistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Lfabflity Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits May 2 May 2 PAYMENT, THANK YOU $ •200.00 Restaurants Apr 27 Apr 27 HOSS'S STEAK & SEAHOUSE CARLISLE PA 30.59 Gasoline Apr 11 Apr 11 GIANT FUEL #61 SHIPPENBURG PA 27.00 610013 Apr 18 Apr 18 SUNOCO SHIPPENSBURG PA 58.00 Apr 26 Apr 26 SUNOCO SHIPPENSBURG PA 28.00 May 1 May 1 HESS 38252 CARLISLE PA 66.00 Supermarkets Apr 15 Apr 15 KARNS QUALITY FOOD SNQ BOILING SPRLNPA 76.94 May 8 May 8 SAYLORS NEWVIULLE PA 42.46 Information For You Save money on your auto insurance. Get a great value and competitive quotes from multiple respected auto insurers through the Discover(R) Insurance Center. While you're there, explore the Knowledge Builder to read what experts say about common auto insurance questions. Simply go to Discover.com/auto today. linportant Nora alien. If there is more than one page to this billing statement, see the back of each page for additional important information. o See your CardmemOerAgreeme& Your Cardme m ber Agreement contains all the terms of your Account, z Lost or stolen cards. Report Immediately! Cal 1.800347.2663, o Billing Nights Summary. In Case of Errors or CarestionsAbout Your BPI. If you think your till is wrong, or N you need more information about a transaction on your bill, write to us on a c sepa de sheet of paper at Discover, PO Box 30421, Seri Lake City, l7f 84136-0421, as soon as possible. We must hear from you no later than 60 days after we sent you the first till on °o which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your left. give us the following information: m ' Yournamhe andAaarmt number. V The dollar amount of the auspected error. Desc&e the error ardexplab, tyou can, why, you believe doe s an error. N you need more inlrmift, desa be the Rem you are unsure about. You do not have to pay any arrhount in question while we are kwesliping, but you are still obligated to pay the pads of your bill that are not in quesfion. While we investigate your cyhesd n, we ow d report you as defepuentortake any action to Doted the amount you question. Special Rub for Credit Card Purchases: t you have a problem with the quay of goods or services that you purdhased with a oedil card and you have tried in good aRh to cooed the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when to purchase price was more than $50 and the ptrdmue was made in ym hone state orwitin 100 miles of your maift address. (It we own or operate the merchant, or it we mailed you Nor advertisement for fie goods or ser hue, all purchases are ooveted regardess of ft amtxrd or loaton of purchase.) Paynwrds. Send only your payment and the top portion of this statement In the envelope provided. Do not send ash. By sending your check as desuibed above, you authorize us to use Mbmralbn an your check to make an electronic land tarsier from your account at the financial Wit" indicated on your aleck or to process the payment as a check transaction. N payment is processed as an almilmniotaid to sler, the transfer will be for the amount of to check. VWw we use information from your cfhedk to m*e an elearonb fund transfer, lords may be wNti!iawnlmm your amount as saunas the save day we receive your paroiL and you wit not receive your check W from your tnahcial instiution. The pmossahg of your peynhetht may be deleyed If you said cash, comespothdence or other babas with your payment, N you send the paytnam to any other address or N you use an eavelope other then the am pdutded. Payments recehed in proper torn at our Wooessi g achy by SPM teal lane on any day will be credited to your Amount as of that day. Payments reoeloal tourptoolae'9bdNya11aSPMloal0mbwillbecredledtoyourACOOUntasoftonext.day.9you.have.nispleadyour envelope,send . your. paynhatio.Discover..P0Box 6103, Carol, SI?eem, IL 60197-6103. Please allow 7-16 days for defvery. It your payment is returned unpaid, we reserve the digit to rem bmR N as an electronic debit You can pay your mhininhww pyrrent or a greateramourht ova the tele*ine, and you an set up automatic payments. Cell us at 1-800.347-2683. You will need this slatemerkt and your batik account Winnelah. You must ensune that su0lcat lands are sealable in your frank acmiA and all transactions not comply with U.S. lour. You will be asked to provide the first 5 di* dyne amo rd maleree tZPcode. By imitating those numbers as your electronic: signature, you wA be agreeing to this authorization to allow is and your tank to deduct each balk aoewad, ant b iitate deblornxadt atliea b your Wtic aomurt, urns app0ahla, b dxrnect an error in tlhe praoeaiitg d such payment. You mast ? M? el tts aunaatdeadt gaytwerta phudatnaeledanamaartsuchx to Prtninmurm Paymnent Dueorthe Neer Balanoeonea?hstalunaat.Yaueanca+? a payment; howaverwe t rout receive rates Y beet tlsee busrnsss days in ordnance dNe sdhedubd payment. Yau may hotly us by plcce at t-t00.347.2883 orby rref st the ad?eas bBed in the previau paagreph. Nythur plymate wry ih amamf, nee vil tel you m esdh nanfty stetermhertwherh yotrpheymentwi be made and how mxrdh it wB be. Your aubmatcpaymerht amount may. be fin tlan inhdceted an to nhonlty alalenherttlased m aedb or payments applied during tle dlig cycle. Credit Rghortla line may repod Won matlon about yaraccaat b credit bureaus. Late payments, missed payments, or oter defaults on your account may be retecbd in your aedd report. fife naanely mpodta slabs and papnenthslayd you Account to a" reporting agencies each main N you believe that our report is iacarele or incomplete, please mite us at the folowing address Disc war, PO Bole 15316, yNmtngion. DE 198505316. Please Include your name, address, home Telephone number and Account number. Grace Pined on Pinhaps (at low 25 days} ft begin to impose Periodic Finance Charges on all transactions from the Transaction Date for the transaction as shown on your bllllg etatemart, Ulm a faaecim is posted to yourAmo rut aftr the dose of the Ming period in which l cars, is which case we begin to lini me Periodic Finance Charges on Nat tkatemrionttam trsie 4*of to bbq petiodIn vNic h it is posted to your Account We owlinue b impose PeriiodicFinance Charges urdP the We you pay you amts Pw, a Balance, by pap Wis oratool g draft Hmvw Nyou paid to Now Balance an previous Will ablarant by the Payment Dua Dab shown on that biting statement sot you pay to Newalahoe by the PaymerRDue Date an yarcurai DP1rg slatemahL we wi nil impose Periods Fiance t2herges on new purchases tats, purchases fret appearing an to proem Wall sblernerht Vie call this the grace period' There Is no grace period on balance tansfas or cash alva noes. Minima Flamm Charge. We coil charge you a triimum FINANCE CHARGE of $.50 for any billing paled in which Periodc Finance Citzges of less than 8.50 would otherwise be irnpoaed. Annual Fee. "Amount hailananaaltee,twill bebilled atfiebeginningdeach anniversary yeayourAmount is open. The amount of the fee appears enINstatementwhen the fee is bled,7he annual be Is not nekahcable, unless you trolly us tat you wish to dose your AowA within 30 days of the maing or delivery date of the statement on which to fee is bled. You will am* tub ed nd even fyou use your Cad during that period. r a thdrMaaelamtege Rate exampleexample plXCases subject b ptamhotratal tale and pumtrdses subject b sbndad rate would be sepaale groups, We refer tale goups as DanseWgn tategotba Attie end deekah f9 period, war compute balances and Periodic Finance Charges for each day d the bNirg period fa each transaction alegory we use the blowing edptalbh b oompuM Periodic Fihatxa Chaugss foreadn h'ahsactlon category: (Average D* Salum) tunas (days in WSpeiod) lines (Daly Periodic Rate). (Y-amirmilerb I* p Ddy statement Is shown aszero W, b causeofadd up ft g?p?edo?d, noaiodc Fmahna ror i saamt lam Ito gar the trial PPoiNkFiwu for y A Aveem in a We UN ftAVSMWD* Belm=#a dudng new tangt6W4) meted of lour AMto balance upon which we impose Periodic. Finance, Ctrxges. We compute the Awaage Daly Balance for each transaction atom by adding dip all tie duly balms in a Will period for a transaction category and &.iufahg the bad by the number of days in the WAV period. We oahpub tie daly balethce for coo t in"dbm category an each day by 69 adding the ktlowhhg to the previous day's chill Maw. barsaclms with a Tnasaston Dore of that day as shown an your big statement, unless the transaction is paled to your Amout offer the dose of the W" period in which ft occurs, In wghidm arse the tramsxlOrh will be added to the daily balance asdto 6* clay of to billing paled in which It is pissed b your Amount, fees longed that day and Periodic France Charges accrued on the previous day's daily lrelanux and bf ten amttradnp aay tsedda and paymatsttmare applied agairsttne batance dthe trahsaclah ategay on that day. h alodalmglhe daily batancetor the first day of fie t ifrg period we ceneilerta'pnvfae da)rs daTY batance' b laws been yourbalance fir each trasaclm allegory on the feat dayd your prevbue bli ft period. Al fees dinged b your Awwmate added to fie standard p m ase transaction aEegay with the exception of CashAdwana Trarsaclon Fee Finance C hages which am added to the VOW* cestv caleM and Balance TramarTraeacdonFeeFinanceCharges Much akaadded btlaapplicable balancetramafertransaction calegory.Wien the special rate eVitim, we raw* to urpeld balance of the belarhm transfer and fie Balance Twister Transaction Fee France Charges to the standard purchm transaction category. However, l to epecel rate tors bash lenhirted under tle De#wul Rate section, we leave the unpaid balance of the balance tracker and the Balance Transfer Transaction Fee Finarce Charges in the apptabb.balanoe heeler tarsa*n cab" urt0 to sped rate would have expired. For T0D frobea rnuhirabom Device forlM (cal) assistance, plam call 14MW347.7449. Discover maymooibr ardor tanrd Wilepthone calla between you and Discover rapesenlatres for Waikyasskxance purposes. TheDiseovetrcardisIssued byDiscover BanicMember FDIC. O1TBKy71 DISCOVER upaysto l ERNESTSOUDER ??SC?VERl Account number ending in 7733 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 possword•protected, statement history, complete with merchant names, locations and zip codes. i Go to Discovercom/papedess and sign up for Paperless Statements today. ®2010 Discover Bank, Member FDIC PPRGRN.0610 Closing Date: May 10, 2009 page 2 of 2 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL eriodic P! Fee Daily Periodic PERCENTAGE PERCENTAGE 1 , E FNANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $5650.05 0.04929% 17.99% V 17.99% $83.54 $0 Cash Advances $2041.91 0.05751% 20.99% V 20.99% $35.23 $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 [Mt#i.um Payment Due DISCOVER $7,908.07 00 ] Account Number ending in 7733 Enter Amount Enclosed Below Payment Due Date $ July 5, 2009 Please make check payable to Discover Card or pay online @ Discovercard.com. 10 SDSN6A01 0008158 ERNEST SOUDER 2607 WALNUT BOTTOM RD CARLISLE PA 17015-9329 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 and schedule payments from your phone with the Discover app. It's fast and it's free. Download now at discover.com/apps PO BOX 71084 I?Irrrll""ih?lllrrrlslshl CHARLOTTE NC 28272-1084 111(filn11111111111111(111110111111 IIIIArl((11)11(11(lill(( 000001986458892145109079080700200000015600 Discover More Card Account Summary Closing Date: June 10, 2009 page 1 of 1 Account number ending in 7733 Previous Balance $7,749.87 Payment Due Date July 5, 2009 Payments And Credits - 200.00 Minimum Payment Due $156.00 Purchases + 223.00 Credit Limit $14,300.00 Cash Advances + 0.00 Credit Available $6,391.00 Balance Transfers + 0.00 Cash Credit Limit $7,300.00 Finance Charges + 135.20 Cash Credit Available $6,051.00 New Balance $7,908.07 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 70.77 New Cashback Bonus This Period ± 0.55 Cashback Bonus Balance $ 71.32 Cashbock-BonuO Anniversary Month: January CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discover.com or call 1-800-DISCOVER (1.800347-2683) to redeem. 1. Visit Discover.com to pay your bill for no cost, viewyo ur How Can We Help You7 . 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 May 29 May 29 PAYMENT - THANK YOU $ 200.00 Gasoline May 12 May 12 RUTTER'S FARM STORE #31 SHIPPENBURG PA 48.00 May 20 May 20 RUTTER'S FARM STORE #31 SHIPPENBURG PA 34.00 Jun 8_. '- - Jun 8 HESS 38252 CARLISLE PA 67.00 Supermarkets May 15 May 15 SAYLOR'S MARKET NEWVILLE PA 39.00 May 28 May 28 SAYLOR'S MARKET NEWVILLE PA 35.00 Finance Charge Summary Nominal Transaction Average Doily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $5780.21 0.05477% 19.99% V 19.99% $98.15 $0 Cash Advances $2078.03 0.05751% 20.99% V 20.99% $37.05 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. bnporfant information. if tare is more then one page loft bitig statement, see the back of each page for addhb'onalimportant information. rn 0 See your CardmemberAgreement. Your CardmemberAgreement contains all the lerms of your Acooknt OKI z m Lost or stolen cards Report Immediately! Cal 7400.347.2683. o Biting Fights Summary. N Case of Errors or Questiorm About Your Bill: If you think your bill's wrong, or if you need more information about a transaction on your bt, write to us on a c separate sheet of pow at Discw, ,, PO Bork 30421, Sell Lake City, UT 84130.0421. as soon as possible. We must hear from you no later than 60 days aler we sent you the first bit on 0 which the errata problem appeared. You can telephone us, but doing so will not preserve your rights. In your bier, give us the following information: zi • Yohrname andAccount rumba, , m The do?amid of the suspected error. • Describe to error and explakt, i you can, why you believe there is an error. If you need more intama!ion, describe the Kern you are wane about. You do not have to pay any amount in queslionwhis we are invasligaGrg. bud you are still obligated to pay the pads of your bill that are not in question. While we investigate your question, we cannot report you as defirqued or take any action to collect the amount you question. Spacial Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purd+ased with a credit cud, and you have vied in good lalth to correct the problem with the merdnatq, you may not have to pay the remaining amount due on the goods or services. You have ftws pmtedion only when the purchase price was moral than $50 and the purchase was made in your home state or wrttdn 100 mikes of your mating address. (t we own or operate the merchant, or If we mailed you the advertisement for the goods or services, all pwciases me covered regardless of the amount or location of purchase.) Payments. Sand only your payment and the lap portion of this statement in the envelope provided. Do not send cash. By sending your check as described above, you audium us to use btlormatart on your check to make an electronic fund transfer from your account at the finuhdal hstiiAion indicated on your check or to process the payment as a check transaction. If payment is processed as an elefkOnic lord transfer, the transfer will be for Ifte arrant of the check. When we use infonnalbn from yourdhadk to make an electronic kind transfer, funds nay be wBdraam from your accost as soon as the same day we receive your payment, and you vii not iecevve your check be & from your financial inaguli n. The processing of your payment may be delayed t you send cash, correspondence or other Item with your payment, if you send the payment to any other address or it you use an envelope odor #on the one provided Payments received in Proper born at our processing facility by SPM local time on any day wit be credited to your Aomnt as ofthat day. Payments received at our Wools hog fadity aNerSPM bat fire wit be oediled b your Account as of the next day. If you taus misplaced your a iebpe, send your payment to Dis+mer. PO Box 6103, Card, Skean 0.60197.6103. Please allow 7-10 days for delivery, t your payment is radrned unpaid, we reserve the right to resubmit it as an electronic debit You an pay your minimum ried or a greater amount over the Wephone, and you an set up automaic payments. Call us at 1-800.347-2683. You will rased this statement and your bank account Inbinetion. Yob c ensure to sulticiaht hurls ore available in your bank account, and ail traaadims must comply wlh U.S. law. You will be asked to provide the first 5digitss of yweocohntStatement ZIPcode. Byenteftthose numbers as your etectronicsigature, you will beagrefttoridsauthorization to allow us and your balk to deduct each payment you amthori a from your bank account, and to initiate debt or credit Woes to your balk account, as ap*". to mom an erar is ire processing of such payment. You must tell us the amount of each payment or you an select an amount such as tla Mininxrn Payment Due or the New Balance on each statement. You an cancei a payment: however we mum receive notice at bard twee business days in advance of the scheduled payment You may notify us by phone at 1-8W347-2683 or by nail at the address tided in the previous tnxv much it v be. Your auometc payment amount may perappli, If your pailiments. wary In annouriL we will fall you on each no" statement when your payment wil be made arid less than it ad on the moriktiy statement based on craft or payments applied during ft billing Credit Reporting. We may report Information about your account to credit bureaus. Late payments, missed payments, or other dAub on you account may be refected in your credit report. ilia normality report l ha stags erd payment Way of you Account to credit repotting agemdes each mokntir. It you believe 9W"report Is inaccurate or Incomplete, please we us at to fallowing addrew. OLscover, PO Burk 15316.4Ytimirgion, DE 196505316. Please Include your name, address, home teephone marker and Account number. Grace Period on Purchases (at least 26 days). We begin to Impose Penodc Finance Charges on ail transactions from the Transaction Date for the transaction as shown on your bft staterast unless a I a on is posted to your Account after the dose of the bgM period In which 0 oaua, is which case we begin to impose periodic Finance Charges on that bansactim from the last day of ft biting period In which it is posted b your Account. We continue to impose Periodic France Charges until the date you pay your entire New Balance, bi , t?paid the Now Balance on your previous filing statement by the Payment Due Data sham on that Wing statement and you pay the Balance Now by to Payment Due Date on your Wlirg stabment, we will not impose Periodic Fiance Charges on new purchases, that is, purchases ihst appearing on the d amid billing statement. We call In IN *grace period' There is no grace period on balance transfers or cash advances. fiteinan Finance Charge. We will charge you a mirimurn FINANCE CHARGE of $.60 for any biting period in which Periodic Finance Charges of less Ihan 550 would otherwise be imposed. Annual Fee. 9yourAxmrd has an annual fee, it will be billed at the beginning of each anniversary year yo rAceast is open. The amount of ft 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 yourAccount within 30 days of the mailing or delivery date of the statement on which the fee is bid. You will receive this refund even Nyou use your Cod during thal period. Parbdie Finance Charges, vie sort your transactions inb groups of purchases, ash advances, and balance tranutes and then further sot the transactions wit *i each group by their Annual Paoeritage, Rata. For enarnq* purchases suWAto a promotional rate and pmdrases sul add to a standard rate would be separate groups. We telet to these groups as transaction calegodes. At the end of each filling period, we oonpufe balances and Periodic Finance Charges for each day of the billing period for each transaction cat", We use the biowfng equation to compute Pe lock France ChxW for each hansacdon ahegony. (Average Daily Balance) tines (days in biting period) tones (Daly Periodic Rate) etlo alai (YOU dkFiraWar to the finance nce gorgesbrunt Theon your Wrig, statement for chase, amourils.) Then we add A Daly Balance lestovm as aero if, becauseofthe grathe Periodic Finance Charges Ior each ce perod no Penodc Finance Chargesaan? the category to a Pe io trasaction cabgory. We use t eAverage Deily Balance (aiudrg row transactions) method otcalculating the balance upon which we impose Pedodo Finance Charges. We compute the Average Daly Balance for each tarsa rim category by adding up al the dally balances in a biting period for a aasacton category, and dividing the total by the number of days in the billing period. ft compute the daily balance for each karaadion category on each day by fast adding the following to to previous days daily balance: transactions with a transaction Date of that day as am on your filing etauntert, unless the traroaotiah is posted to your Account after 0a dose of the biting period in which it ooaus• in which case the transaction will be added to the daffy balance as of the fiat day of dte bilbg period In which it is posted to your Account lees darged that day and Periodic Finance Charges accrued an the previous day's daily balance: and by then subbading any credits and payments tat we eppled against the balance of the transaction category on that day. In calculating the daily balance for the fat day of the Wing period, we consider to 'previous We dally bft)& 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 ris standard purchase transaction ategcry wth the exeeptwn of Cash Advance, Transaction Fee Finance Charges which are added to file applicable ash adocia transaction category and Balance Transfer Tranaedbn Fee Inane Charges which are added b the applic" balance transfer transac(m category . When . the special rate erpiea, we move In unpaid balance of ire balance beraller and the Balance Transfer Transaction Fee Finance Charges to the standard purdase tasacum category However, if the special rate has been terminated under the Defauk Rate section, we leave the unpaid balance of the balance trasfer and rte Balance Transfer Transaction Fee Finance (urges in rihe appiable balance IfatSfa Wr sacfon category util the special rate would have expired. For TOO (fefeconrhahrh catlons Device tonne Deaf) assistance, Please call 1.800.341.7449. Discover may monitor ardor record telephone ails between you and Discover representatives for quality assurance Wposes. The Dismveh° card is Issued by Discover Bank, Member FDIC. OITSK171 DISCOVER New Balance Minimum .0Payment Due $9,b66.64 $19 $191.00 Payment Due Date August 5, 2009 10 SOSN6A01 0008159 ERNEST SOLIDER 2607 WALNUT BOTTOM RD CARLISLE PA 17015-9329 Account Number ending in 7733 Enter Amount Enclosed Below Please make check payable to Discover Card or pay online 0 Discovercard.com. Tired of buying stamps? Go mobilel Make and schedule payments from your phone with the Discover app. it's fast and Ws free. Download now at discover.com/apps PO BOX 71084 Illrrrllrrs11rllllrAIlrr CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space lrrlrllrrlrrrlrllrrrlrrlrlurllllrrrlsrlrslrrllrrlnlrrlrlrrll above, or go to Discover.com. Print your e-mail address to receive important Account Information and special offers, 000001986458892145109096666400200000019100 Discover More Card Account Summary Closing Date: July 10, 2009 page 1 of 2 Account number ending in 7733 Previous Balance $7,908.07 ,Payment Due Date August 5, 2009 Payments And Credits 200.00 'Minimum Payment Due $191.00 Purchases + 1,817.45 'Credit Limit $14,300.00 Cash Advances + 0.00 Credit Available $4,633.00 Balance Transfers + 0.00 ;Cash Credit Limit $7,300.00 Finance Charges + 141.12 Cash Credit Available $4,633.00 New Balance = $9,666.64 You may be able to avoid Periodic Finance Charges, we the reverse side for details. Cashback Bonuse Opening Coshback Bonus Balance $ 71.32 New Cashback Bonus This Period + 4.54 Cashback Bonus Balance $ 75.86 tashbock Bonus Since Anniversary Month - -- January: $7.68 CONGRATULATIONSI Your Cashbock .Bonus(R) is waiting for you. Visit Discover.com or call 1-800-DISCOVER (1.800.347-2683) to redeem. How Can We Help You? 1. Visit Discover.eom to pay your bill for no cost, view your latest Account information, eam and redeem towards and more It's your choke - 3 Ways to help 2. Call 1-8MDISCOVER (347.2683) for fast, easy self-service A t M h ccoun anager a Customer Service options or to speak wit Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, 'For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Jul 2 Jul 2 PAYMENT - THANK YOU $ -200.00 ;Merchandise/Retail Jun I4 Jun 14 WAL-MART SC - #5358 SHIPPENSBURG PA 76.44 Gasoline Jun 22 Jun 22 GETTY 67639001 CARLISLE PA 74.00_ Jun 22 Jun 22 WS FUEL #9025 CAMP HILL PA 51.01 Jun 24 Jun 24 BP CAL 06954408 CARLISLE PA 56.00 Jul 7 Jul 7 GETTY 67639001 CARLISLE PA 65.00 Services Jun 13 Jun 13 DHC FINANCIAL SERVICES S WINTER HAVEN FL 1,495.00 tnportant Information. t Ghee is more than one page b this billing statement, we the back leach page for additional important information. o See your Cardateraber Agreement. You Cardmember Agreement contains all the terms of your AOOML z m Lost or stolen cards. Report inmediselyl Cat 1400.347.2683. o Bilitg Rights Sure ery. In Case o (Emus or Questions About Your Bait: i you think your bill is wrong, or if you need more information about a transaction on your bit, v a* to us on a g separate street of papa at Discover, PO Box 30421, Sett Lake City, UT 64136-0421, as soon as possible. We must hear torn you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not {reserve your rights. In yaw later, give us the following irdormelion: • Your mane ondAtcomt number. • The dollar amamtof One suspected error. • Describe the error and etghin. i you can, wiry you believe dare is an error. If you need more information, describe the item you are unsure about. `r You do not have to pay any antaatt in ques0onwhiawe are Investigating, but you are Mill obligated to pay the parts at yaw bit that are not in question. Wale we investigate your question, we cannot raper you as d*Aue t or take any action b cDW the amount you quesdan. Special Rule for Credit Card frurohases: If you have a fxobtern with the quality of goods or services OW you purchased wiM a as& card, and you have tried In good faglt to coned ane problem with the rrherdmarw, you may M have to pay the remaking amount due on to goods or twAces. You have this protection a* when the pwduse price was more than $50 and the purchase was made In your home store or within 100 miles of your mating address. (If we own or operate the merchant, or it we mailed you the advertisement for the ggcds or services, all purdtases are covered regardless of the amount or location of purchase.) Payments. Send" yaw payment and the top portion Of ins statement In ft envelope provided. Dora sand cash. By sending your check as described above, you suttoribe us to i use information on your check to make an dedhome tad trarhsfer from your eo= at at the financial institution Indicated on your check or b process the paymaw as a check transaction tpaymet is processed as an ebd** lend tmnsfa, to transfer rill be for the amount dds check. When we use inlommallon from your check to make an electronic fund translar, Mhds may be withdrawn flan your acoaew as soon as the same "we rams your payment, and ymwi Ihe118CaVeyfxr d eCk bark torn you fehatKW instithticn. The processhw d your paynwd may be delayed gym sand cash, correspondence or other items with your paymat, Oyou send the payment to any other address or tyou use an errubpe oilier ttsn the one proVNed. Payarhahu received trd poops form slaw ptooessIng %dky by gW local time an cry day whit be credled to yourAccowd as of tst day. Payments received at ear processing facility d K5PM local time will be credited to yourA aunt as of the next day, t you two mispl aced your envelope, send yourpaynett b Dkaover, PO Box' 6103, Card, Stream, IL 661976103. Please stow 7-10 days for detivery, if your payment is relu ned unpaid, we reserve ge right to resubmit it as an electronic debit. You can pay your minimum payment or a greeter amount over the telephone, and you can set up sukxnatc payments. Call us at 1600.347-MU You will road this slelemaw and your lank account Infams6on. You must amore tilal*Awd funds we available In your bank eccota and all transactions must comply with U.S. low. You will be asked b provide the Orst 5 apes of your soca rd statementZlP code. By enteringtllose numbers as your electronic signature, you will be ageeing to this wAoizatah to stow us and your bark to deduct each payment you authorize tom your bank account, and to Initiate debit or credit entries to your hank account, as appicabb, to correct an am in the processing of such payment. You must loll us til0 smoum deach peynraw or youcan select an amount aedn as the l hftum Payment Due outs Now Balance orb each statement. You can cancel a payment howeverwe must receive notice atlead rase business days in advance of the scheduled payment You may noQy us by phone at i-NO-347-2883 or by mail at the address telad in the previous Paragraph. i your payments very lift amount, we wit loll you on each monthly etataimeht when your payment will be merle and hour much it will be. Your automatic payment amount may be less than Indicted on the rnorhtiry, sstatement based on rnadls or payments applied daft the tilling cycle. Credit Repoe ft We may report information about your account to credit burea m Late payments, missed payments, or other defaults on your account may be reflected in your credit report. We normally report the stale and paymethlelory of your Account to credit repora gagencies each mouth, t you believe that our repod is inaccurate or incomplete, please wale ins at the following address: Discover, PO Box 15316, Wlmkgton, DE 198508316. Please include your new. mess, ham Weplrme amber and Account number. Grans Period on Purchases (it least 25 days). Mme begin to Impose Periodic Finance Chages on at transactions from Os Transaction Date for One transaction as sho m on your Wag statement, unless a transaction is posted to yourAoooun after ine dose of the biting period in which it occurs, In which case we begin to impose Periodic Finance Charges on that transaction from to fast daydme Mali period in which it Is posted to your Account We continue b impose Periodic Finance Charges urd is data you pay your entire New Balance, by mallg payments or receiving aedle. However, if you pad the New Balance on your previous bting staranerd by the Payment Due Date shown on that bill %statement and you pay the New Belem by the Payment Due Date on youraarent being statement, we will not impose Periodic Finance Charges on new purchases, that Is, purchases Est aMeMN on the current bftitg sitdement. We cat Ours the'grace period' Theere is no grace period on balance transfers or cash advances. Minimum Finance Charge. We wit charge you a minimum FINANCE CHARGE of $.56 for any being period in which Periodic Finance Charges of less than $.50 would otherwise be imposed. Annul Fee. N your Account W an annual fee, it will be billed at is beginning of each anniversary year your Amount is open. The arrant of the fee appears on Me statement when the fee is died. The annual fee is not refundable urdess you notify us that you wish to close your Account within 30 days of the mailing or ddlwery date of the statement on winch the fee is bind You will receive timid pebnd even iyou use your Card during that period. Periodic Finance Changes. We sort your transactions into groups of purchases, ash advances, and balance transfers and ion further sort the transactions within each group by their Annual Percentage Rats. For example. purchases sub{ed to a promenahal rata and pudssas W*dto a standard cats wouid be separate gkahps. We refer to these groups as banseciah ategoaes. At the end death billing period, we compute bananas and Periodic Finance Charges for each day of the biting period for each barmaction category. We use the: biowkg equation to compute Periodic Finance Chages for each transaction celegay, (Average Daffy Balance) times (days In billing paiod) tines (Daily Penodl: Rate). (You may rata to the finance charge summary on your burg statement for these amounts.) Than we add up the Periodic Finance Charges for each transaction ateM to gel the total Periodic Finance Chages for yarAcmunt. The Average Daly Balance is shown as zem it beause of the grace period, no Periodic Finance Charges apply to the balance in a transaction category. Muse the Average, Daily Balance (ktdudig new trnsactim) nv#W of calculating the balance upon which we impose Periodic Finance Chagas. We compute the Average Daily, Balance for each transaction category by adding up ei the daily belances In a bang period fora transaction category and diving the bbd by Our mnmberddeys in the bikg period. We canpue (be daily balance for each transaction cafe" on each day by first adding the l(ilow i g to the previous days daffy balance: transactions with a Traneaoft Dale of that day as shown on yourbiing stalelernerw unless the transecion is posted to yourA.ooourd after the close of t e billing period In wMch it occurs, in %W case the lrarmeaCtah Will be added to the daily Names as of the tirsb day d the blfirhg period in which it is posted to your Account, fees charged that day and Periodic Finance Charges accrued on the Previous day's daily balance; and by I= subbuft arty credits and payments mat are applied against the below of the transaction daWMon Out day. In calculating the daily balance for Os fiat day of to bting pebd, we consider the'pevious day's daily, babnW to have been your balance for each transaction category on the last day of your previous billing period. Agrees Charged to yaw Account are added to the stadad purchase trasadm category with the exception at Cash Advance Transaction fee finance Chum which ate added to the appfieable cog advance transaction category, and Balance Transfer Transaction Fee Finance Charges winch are added to the applicable balance tansfertersac6on category . When the special rate expires, we roam the unpaid balance dthe balance tang and 8re Balance TrdksWTrarsscOm Fee Finance Charges to the standard purchase transaction category. However, t the special data has beentemhinsted Under the DaWA Rate section, we leave iu unpaid balance of time balance transfer and the Balance Trader Trasecion Fee Finance Charges in the applicable balance transfer transaction category until the special tae would have expired. For TDD (yabcommunksions Device for the Deaf) asslstance, please call 14I00.347.7449. Diecom may m=W andfor record telephone calls between you and Discover representa6ws for quality assurance purposes. The Discover' cad is i68l8d by Discover Bank, Member FDIC. OITBK171 DISCOVER L t pays to ERNESTSOUDER DISCOV Account number ending in 7733 Go green. Go paperless. Jain 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. 01010 Discover Bank, Member FDIC o? a PPRGRN.0810 Closing Date: July 10, 2009 page 2 of 2 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGE$ current billing period: 30 days Purchases $7384.24 0.04723% 17.24% V 17.24% $104.63 $0 Cash Advances $2114.79 0.05751% 20.99% V 20.99% $36.49 $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 Discover.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER New Balance Minimum Payment Due Account Number ending in 7733 $9,615.24 5190.00 Enter Amount Enclosed Below 10 SDSN6AOi 0008160 ERNEST SOLIDER 2607 WALNUT BOTTOM RD CARLISLE PA 17015-9329 Download raw at dascover.com/apps 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. PO BOX 71084 1[lurllnnullllr,slrlnl CHARLOTTE NC 28272-1084 II 111 111111111 111 IIIIiIIIIHIIIiIIIIIIIIIII91 1113111111 111 1111 000001986458892145109096152400200000019000 Discover More Card Account Summary Closing Date: August 10, 2009 page 1 of 1 Account number ending in 7733 Previous Balance $9,666.64 Payment Due Date September 5, 2009 Payments And Credits 200.00 Minimum Payment Due $190.00 Purchases + 0.00 Credit Limit $10,000.00 Cash Advances + 0.00 Credit Available $384.00 Balance Transfers + 0.00 Cash Credit Limit $5,100.00 Finance Charges + 148.60 ;Cash Credit Available $384.00 New Balance = $9,615.24 You may be able to avoid Periodic Finance Charges, we the reverse side for details. Coshback Bonuse Opening Cashback Bonus Balance $ 75.86 New Cashback Bonus This Period + 0,00 Cashback Bonus Balance $ 75.86 Cashbaek•Benus®-Smce-Anniversary Month ._. ....... .......... January: $7.68 CONGRATULATIONSI Your Coshbock Bonus(R) is waiting for you. Visit Discover.com or call 1-800-DISCOVER (1.800.347-2683) to redeem. How Can We Help You? p 1 • Visit Discover cam 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 sellLurvice Please have your Discover Cord available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943 'For TDD (assistance for hearing impaired) see reverse side , Sah Lake City, UT 84130 Transactions $0 fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Payments and Credits Aug 2 Aug 2 PAYMENT - THANK YOU $ -200.00 Information For You This month, the featured Cashback Bonus(R) Redemption Partner is Bed Bath & Beyond(R). Redeem $20 Cashbock Bonus For a $25 Bed Bath & Beyond gift card. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee p?ily Periodic PERCENTAGE PECENTAGE FI F Balances Rates RATES RATES B - _ CHARGS current Wiling period: 31 days Purchases $7528.38 0.04723% 17.24% V 17.24% $110.23 $0 Cash Advances $2152.21 0.05751% 20.99% V 20.99% $38.37 $0 Payment Due Date September S, 2009 Please make check payable to Discover Card or pay online ? Discovercard.com. Tired of buying stamps? Go mobile! Make and schedule payments from your phone with the Discover app. Its fast and its free. The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above i ,portrnt Im reatlon. H time is more than one page to this biting statement. see the back of each page for addtional Important information. See your Cedmember A9reemenL Your Catdmember Agreement contains all the terms of your AcmunL Lost or stolen cards. Report immediately! Call 1•ttDa3a7-26111 Baling Rights Su os ary. In Case of Emits or AuestionsAbad Your ail: 9 you think you tall is wrong, or if you need more Wormatbn about a transaction on your bill, write to us on a separate sheet of paper at Discover, PO Box 3D421, Salt Lake Qt, UT 84130-0421, as soon as possible. We must hear from you no bkr than 60 days after we sent you the fast bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your feeler, give rs the following infamadow Your name and Account number. The dollar amount of far suspected error. Describe, the era so eXpharh.8you can, why you believe there is an error. If you need more information, desabe the item you are ursine about You do not have to pay any amount In question "we are invesligalbg, but you are stn obligated to pay far pans of you bill that are rat in question. While we investigate your question. wecaraotreport you as delinquent or tale any action to mUectIlve amour! you question. Special Rule for Credit Card Plrehasu: If you have a problem with the quality o (goods or sovicas that you purchased with a credit catd, and you have Wed in good bah to cared the problem with the metclhad, you may not have to pay far remaining amour due an the goods or services. You have ft protection only when the purchase price was more than $50 and the purdass was made in your hone state orwft 100 Mies of you mailing address. (If we own or operate On merchant, or I we mailed you the advertisement forthe goods or swAms, at purchases are coveted tegadess of the amount of location of purchase.) PWftMS. Send only you payment and the tap portion of this statement In the envelope provided. Do not send cash. By sending you dredr as described above, you authorize us to use Information on you dads to mare an eleCbOrC fund transfer from your acoowa at to bancial hsliutim indicated on your dads or to process the payment as a check transaction. 4 payment is processed as an electronic fund Imnabr, the Irenster will be for to amount of ft dadr. When we use information from yaw check to make an ebctronlc fund ranter, fulls may be withelown komt ywr amount as soon as the same day we recaboa you payment, and you will not receive you look back from your inanorel soon. The processing of your payment may be de" If you send cash, oareapandenee or other items with your payment, 8you send the payment b arty diner address or f you use an envelope dher than the one provided. Peorants received in proper ban at our processing tacky by SPM local Ilene on any day will be credited b yourAaant as of thatday Payments moolvedat axprocessog bcliy alb elf local tae will be credited to yourAccantseat to next dalr if you have iced your envelope, sendyaa payrraM lo.Dbw*r,PO.Box-' 6103, Carol, Stream, IL 60197$101 Please allow 7-10 days for deWery. I your payment is reamed unpaid, we reserve Ie right to resubmit it as an etecuonic dalnL You can pay you minlmnmpayrnerd or a greater amount overthe tefeptone, and you can setup sulomaic payments. Cal us at 14W347-2683. You will need Sus statement and your bank account kdarradon you must ensure fat wMdeM hatch as available In your bank accot t, and all transactions must conpbywih U.S.low. You will be asked b laovkie the fast 5 dos of yak account statement ZIP code. By emoting those numbers as your &%*orue sigrakim, you will be agreeing to this auriatation to allow us and your bank 1o deduct each payment you nshafm from your bank account, and b khil le debit or asddensiss to your bark aeoorrl, as applicable, to cared an error m the processing d such payment. You must Nt us to amount dealt payment err you Can select an Amount such as the fNrmum Pepmenl tke or to New Balance on emb statement. You can cancel a psymsK however we must maim notice at last free bushm rays In advance bite scheduled peymenL You Mary nAy us by phone at 1-000,347-2883 or by mat at the address fisted in the previous paragraph. it your pap" vary In muant, we will tell you an each MO" statenerd when your Paymentvill be made and taw much k Will be. Your automate payment smount may be less than indicated on the mon8iy aaenirt based on amnia or paw" applied during to billing cycle. Cmdft Reporft We may report intonnallon about your aocarhnt b as& bureaus. rate payments, missed payments, or other debuts on you account May be receded in your asdi reW. We n msfy report the sblus ate payment hisbryd yourAaoant to aedt repalkg agendas each month. I you before het our report is iraocuaa or Incomplete, prove write us at the falowbg address: Discover, PO Box 15316, vylmi gbn. DE 198546318. Phase include you name, address, (home telephone number and Accent number. Grace Period on Pumbam (at feat 2S days). We begirt to impose Periodic From Charges on erg tratsectaa from the Transaction Date fat the transaction as st m on you bill stmt u niess a transaction is posted to your Account after rte dose d to biGg period in wNdh it occurs, in which case we begin to impose Pwkxk Fiance charges on that transaction from the fret day ofthe Ming period in which It Is posted to you Amount. We continue to impose Periodic Fiance Charges untl the date you pay you entie New Brace, bymWdn Bagrroe by pgpT or mWft aedls. Horvaver, Kyou pad the New Balance an you previous billing sbamer by the Payment Due Date shown on that Willing statement and you pay the New the Payment Due Date on your current bibg statemer, we will not impose Periodic France Charges on new purchases, OW is, purchases first appearing on the parent babg alelertent We cat this t e'graa period.' There is no graaoe period on balance transfers or cash advances. Minimun Fasnee Charge. We will charge you a minimum FINANCE CHARGE of $.50 for any bating Period in wtuch Periodic Finance f2nages of less than $.50 would otherwise be imposed. Anuhst Fes. tyourAOCant has an annual be, it welt be baled at the begirnirg leach aantversay,year ywrAccount is open. The annul dthe fee appears on the statorerht when the fee Is billed. The sisal be is mot refundabb unless you natty us tat you wish to dose your Account w4fan 30 days of rte mating or delvety data of the statement on Wit the fee IS billed. You will receive this refund even it you use your Cad during that period. Periodic Fnmm Charges. Vlk sort you iansadipns Into grails d purchases, cash advances, and balance 12nsiers and then fudersort the transaction within each group by MekAnnual Percentage Rate. For exampk, purchases abject to a promotional rate and purchases subject to a standard rate would be separab groups. We refer to these groups as trar eaction caaegaies. At to and of each billing period, we cornpule becubs and Periodic Fiance charges for each dWaf the billing period for each transaction category. We use Ore following equation to compute Pelodk Finance Charges for each transaction category: (Average Dr Balance) tires (days In Ming period) times (Dally Periodic Rate). (You may rear to the frnamce dirge summary on your billing statement for these amounts.) Than we add up the Periodic Finance Charges fa each transaction category to get the MI Periodic Fihaxe Charges for your Accont. The Average Defy Balance is shown as zee I, because of the grace period, no Periodic Finance Charges apply to the b-danee in a vansection category. We use far Avrege Daly Beata (including new transactions) meted dcatculatirg to balance upon which we impose Periodic Finance Charges. We compute to Average Dally Balance for each trasaction category by adding up d In daffy balances In a Wig period for a transaction category and divid" the IM by the number of days in the Wing period. Wa comprAe to dilly' -' ao breach transaction category on each day by if51 adding the fdbwig to the previous delta dray bolero: transactions wlth a Tteeact n Date of that day es shown aft your brig staerterA Mess the baassadm is posted b yorAeoouw after far dosed the Ming period in vdurh a occurs, I n which case the trarnactan willbe added bbabince,a andbythan nssubtr?acligevery creft amid payments period in ftwhich his posted b WA00ount, taa mapp against balance atlcharged M ebmwbon??PenthatdgIn Chrpea accrued on ft daily topcefrthraysdairy category thebilirgperiod. we cantdarta'previausWsdally beencs'tohave been your baace for eachternacion egoryonUte l?dey ofyou you afrgousb0 bulling period. efireldeyd. caltegory on to ted4ey of your M fsee dnrged to y utAaonlare added brie standard purchase transaction eetagory vath the Owepton of Cub Advance Transaction Fee Finance Charges which are added b the applicable crib advarmllmnsacYOn allegory and Beamce Tranar7reneaclon Fee Fiance Charges which are added to tie appicaba balance transfer transaction calegory. When the special We expM wit mow to unpaid balance bite balance 6ansim and tie Baace TrensirTrasadbn Fee Franca Charges to the standard purchase transaction category. Howem, if the aPecW we has been le mialed under to Default Rate sedon, we keys to unpaid balance of far balance transfer and the Balance TransterTransacticn Fee Finance Charges a the app6abb instates transfer transactottarlegomp ung the spade rise would have elq?ed. For TDD (bliew a n adim DwAce for the D aQ assistance, poise eaI 1400.347.7448. Discover may moabr ardkmrecord telephone calls between you and Discover representaives forqueity assurance purposes. The Mcovrr* card Is &WW by Otscum Bank, Member FDIC. 01TBK171 New Balance Minimum Payment Due Account Number ending in 7733 DISCOVER' $9,563.21 $189.00 Enter Amount Enclosed Below Payment Due Date $ October 5, 2009 Please make check payable to Discover Card or pay online 0 Discovercard.com. 10 SM6A01 0008161 ERNEST SOUDER 2607 WALNUT BOTTOM RD CARLISLE PA 17015-9329 Address, email or telephone change? Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Tired of buying stamps? Go mobile! Make and schedule payments from your phone with the Discover app. It's fast and it's free. Download now at discover.com/apps PO BOX 71084 111...11111 rsl?lltrrlrlr11 CHARLOTTE NC 28272-1084 111111111111!11111 If 11111 Ill IIIIIIll Ito If IIII III I III IV 111 11111 000001986458892145109095632100200000018900 Discover More Card Account Summary Closing Date: September 10, 2009 page 1 of 1 Account number ending in 7733 Previous Balance $9,615.24 Payment Due Date October 5, 2009 Payments And Credits 200.00 Minimum Payment Due $189.00 Purchases + 0.00 Credit Limit $10,000.00 Cash Advances + 0.00 Credit Available $436.00 Balance Transfers + 0.00 Cash Credit Limit $5,100.00 Finance Charges + 147.97 Cash Credit Available $436.00 New Balance = $9,563.21 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 75.86 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 75.86 Cashback-Bonus® Since Anniversary Month _... January: $7.68 CONGRATULATIONS! Your Coshback Bonus(R) is waiting for you. Visit Discover.com or call 1-800-DISCOVER (1-804 3 47-268 3) to redeem. your How Can We Help You? I Visit Discovercom to pay your bill for no cod, vi 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 MD (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 2 Sep 2 PAYMENT - THANK YOU $ -200.00 Information For You Enroll in Paperless Statements for your chance to win big. Go paperless and you can win up to $15,000 cashl Loam more at Discover.com/sweepstakes. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES G7W-ffl CHARGES current billing period: 31 days Purchases $7437.97 0.04723% 17.24% V 17.24% $108.91 s0 Cash Advances $2190.91 0.05751% 20.99% V 20.99% $39.06 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above brportatt Information. here is more than one page to this Wing satement see the back of each page for additional important information. See your CardmemberAgrcament Your Cardmember Agreament contain at the terms of your Account Lost or stolen cards. Report enmedialelyl Cal 1.800.347.26111 Billing RW& Stationary. In Case of Eras or Questions Abed You Bill: U you tltok your bill is wrong, or d you need more information about a transaction on your bill, write to us on a separate sheet of pel er at Mscover. PO Box 30421, Sall Lake City, UT 84130-0421, as soon as possible. We must hear from you no later than 60 days after we sod you the IN bill on Mich the am or problem, appeared. You can telephone us, but doing so will not preserve your rW$, In your letter, gin us the following information: -Nora namne and Acoount morber_ • The dollar arrant of tea suspected error. Describe theemor and a#*, tyou can, why you behave there is an error. N you need more information, describe Moan you are urmn abotA. You do not have b pay any amount in question while we are Investigating, but you am still obligated to pay the pals of you W that are not in question. Mile we Investigate your question, we cannot report you-as delinquent or take any actor to collect the amount you question. Special Mile for Credit Card Prrdwaas: N you have a problem with the quality of goods or services that you purchased with a credit cad, and you have tinted in good faith to correct tte problem willi the madmard you may rat have to pay the remaining amount due on the goods or services. You have this protection only When the purchase price was more than $50 and the ptirdtase eras made in your tame slab orwilld r 100 males of your mailing address. (two own a operate the merchant, or 1 we mated you the advertisement for the goods or services, d pu hoses are kwvered regardless of the amount or location of purchase.) payrnen4. Sand only your payment end the top portion of this statement in the envelope provided. Do not send cash. By sending your check as desaleed above, you authorize us to use information or yourcecic to, make an ebWOdc fund trarafer from your account at rte financial institution indicated on your crack or to process the payment as a check Vo saction. I payment is processed as an electronic turd t oodler, the transfer will be for the aeon of the c hecli When we use in ormation from your dhedk to make an electronic fund transfer, funds a" aAtdravvr We prr acooutas aeon as to same day we Meek your payment, and you will not receive your check bad( tram your faundal insfMon. The processing of yaw pvyaW may be delayed t you send cadh, oareaponde ors or other tams with your payment, It you send Ore payment to any do address or Nyou use an emeiope olhar than tw onalev iced Paymente mmived N proper format our processing facility by 5PM boa{ tine on any nay wit be credited to yo rAkaormt as of that day. Payments iedeiled slow processing afar 5PM local lime will be cradled b your Account as of thou nod day. If you have misplaced youremebpk send your paym erdb Discover, PO Box 6103, Carol, Straw. I.80197.6103. Please allow 7-10 days to delivery. Uyor paynierd s kehrned unpaid, we reserve ft right to resubmit it as an ekbordwkeiit. You can pay your minimum paymentora greater sm ourtaver the telephone, and you can setup auamatic payments. Cat us at 1$00-347.2683. You will need this sfatensnt and you bank socou tn(omrdon, Youmrst wan that suddentArdsare available in yon bark avant, and ell bWMCd= mist ddrnplyVA111 U.S.Iew You will be asiad b pM" the fast 5 digits of yea eoauet emsootYp cafe. By arming lace mrmtebae as yvurakdronio signalers, you wit be agreeing b the anetaruation b allow us and yo rbonk b deduceaeh paymom you tedulaa k rn)ou Dank accntrtl ad b kadete debtor cram amiss b yvurbeNk ascot, as apple". to cared an worm the proonsirg of such payment You must tel usthearofatafeerttprlarieftaryaucan seledar anorntstrltas tee I**" Payment Due ort a New Bolenceon each statemea.You can cancels paymerb hmheuerwe msthmwalve notice at beat Ilm-busoess.doys h advance agte achedubd payment. You Ivey taffy usby prone at 1 00.347.2683 err by mail at Ore address Riled In the previous be bes ttiaa Nywipsynnonts very In maK weva toll you on each morft statement whea your monthly dicta to abased on credta or payments applied during the b payment will be made and law much Awl be. YourautanaUc payment amount may Coo Rportllt0.lfife aayreport Information about your account to credit bureaus, tab payments. missed payments, or oher defaults on you amount may be reflected in yourcredt report. Wk normally, report ft st8haand popeoll hiatcryof your Am" to credit reporting agencies each month. t you believe that at report is inacorare or Incomplete, please write us at the folowig eddrew Discover PO Boo 15316. Wiinirow. DE 18850.6316. Please kd4e your new, address, home Wepthone Manber andAcoant number. Gnece pow on PrarJvaa (at lent 26 dry4 yte begin b impose Periodic Finance Charges on all transactions from the Trasaction Date for lire hanssdiah as spawn on you bi4g slidemhelnt, Ia(ass a tatsaton Is poled b y otrAmxatntater the dose of the bang period In which domes, if which case we begin b impose Periodic France Charges on that barwd-on tam do *Adayofto bft plod in which h it is pied to you Acowt We continue to impose Periodic Finance Charges until the date you ley yaraft New Balance, by m?q paynav a orrecoldng craft However, if you pad the New Balance on you previous hitting stalemW by the Payment Due Dale shown on fret b?rug statement std you pay I* New Bottom bylbe Payee t Due Data on your current Wing sbdentemrt, we will rat Wpm Periods Finance Charges on new purchases, that is, Iwndrases &st appearing on the craeM billing slelentent:.We cal tide Us'grm period.' Them is no grace period on balance transfers or cash advances. tlidnmrn Finum Charge. We will charge you a minimum FINANCE CHARGE o($.50 for any biting period in which Periodic Finance Charges of less than $.50 world otherwise be inposed. A avail Fee. t yorAcoWhas an annual tea, hw8 be tilled at the begmkg of each akvxversay year your Account is open. The amount of tie fee appears an the statswdwhen the fee is bilked. The annual he to not eehndabie unless you notify us that you wish to dose yourAom unt within 30 days of the moiling or delivery data of the Statement on Which the fee is baled. You will meoolve O k refund even tyou use your Card during that period. Pertodk Finance Chagas. We sot yon transactions ito groups of purolases, cash advances, and balance transfers and than further sod the transactions within each group by- - theirAnn ual Percentage Rate. For waryde, purchases SL61W to a promotional rate and purchases suNed to a standard rote would be separate groups. We refer to these groups as tmatmollon kxtegodes. At the and of each billing period, we compute balances and Periodic Finance Charges for each day of the biting period for each transaction category. We use the following actuation to complete Po iodk From Charges for each trdM14ad ion category: (Average Daly Balance) threes (days in biting period) times (Daly Petodo Rate). (You may refer to the finance drags summary on your MYng statement for these amounts.) Than we add up Be Periodic Finance Charges or each transaction category to gel the total P&m* Fria ce Charges foryourAcco nL The Average Dairy Bala= is shown as zero t, because of this grace pedal, no Periodic Finance Charges apply to the balance in a Iansacdon category. Nye use toANW Daily Balance (ahcudng new transactions) method of caloulOV the balance upon which we opose Petioddic Finance Charges We oomp le the Average Daily Balance for each irarsadah ca"aryby adding tip all the d* balances in a big period for a transadien category and dividing ft total by the rrrytber of days in the billing period. ft owgx* the daily balance for each transaction category on each day by final adding the following to the previous days daily baWar transactors with a Tmmction Date of that day as shown an you big statmmK wlm tit aarg o ,", h b puled b yam AccoW halter the dose of the bong period in which t occurs, b which case lire transaction will be added to the daily balance sect tie first day d tike bang periods which t is posted to yorAomod. tees dhaged tit day and Palo& Finance Charges accrued on the previous day's dotty balance; and by then aftadig any dmdls and payment MM are applied against the balance of to transaction categcryon that day. In cxloule" the dalybala ce for the first day of the billing period, we consider te'peviots days dolly balance to have been your balance for each transaction category on the last day of you previous billing period. All fees charged to yoorA=W are added to do standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which am added to the applicable dash advance nnsection category and Balance tronaferTrarsacton Fee Finance Curges which are added to the applicable balance transfer transaction category. When the specW nab expires, we nave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee I'mace Charges to the standard purchase transition category However, tithe special rata has been terndn eW under ft DaWA Role sedan, we leave to unpaid balance of The balance transfer and the Balance Transfer Transaction Fee Finance Charges in the applicable mince transfer transaction category until the special rate would have spired. For MD (Telecommunications Device for the Deaf) assistance, please cat 18610.347-7119. Discover Mayrmoita ardlor recadtdephone calls between you and Discover representatives for (Nafily assurance prposes. The Moovee' card Is Issued by Discover Banc, Member FDIC. O1TBK17i New Balance Minimum Payment De Account Number ending in 7733 DISCOVER $9,519.25 $188.00 Enter Amount Enclosed Below Payment Due Date $ November 5, 2009 Please make check payable to Discover Card or pay online 0 Discovercord. am. 10 SDSN6A010008162 ERNEST SOUDER 2607 WALNUT BOTTOM RD CARLISLE PA 17015-9329 Tired of buying stamps? Go mobile! Make and schedule payments from your phone with the Discover app. It's fast and tt`s free. Download now at discover.conVapps PO BOX 71084 1111111lrevil r1111r111111r CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space lu?r?Irr?urlrltnr?n?r?urlt?lurlu)rr?rrlln?ululrlu?) above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892145109095192500200000018800 Discover More Card Account Summary Closing Dote: October 10, 2009 page 1 of 2 'Account number ending in 7733 Previous Balance $9,563.21 !Payment Due Date November 5, 2009 Payments And Credits 200.00 Minimum Payment Due $188.00 Purchases + 13.50 `Credit Limit $10,000.00 Cash Advances + 0.00 Credit Available $480.00 Balance Transfers + 0.00 'Cash Credit Limit $5,100.00 Finance Charges + 142.54 Cash Credit Available $480.00 New Balance 9,519.25 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashbock Bonus Balance $ 75.86 New Cashback Bonus This Period + 0.03 Cashback Bonus Balance $ 75.89 Cashback Bonus® Since Anniversary Month 'January: $7.71 How Can We Help P You? 1. Visit Discover.com to pay your bill for no cod, viewyour latest Account information, eam and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for Fast, easy self wevice 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 Sak Lake City, UT 84130 ;Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dale Data Payments and Credits Oct 2 Oct 2 PAYMENT - THANK YOU $ -200.00 Services Oct 6 Oct 6 CLASSIC DRYCLEANERS-CA CARLISLE PA 13.50 'Information For You Enroll in Paperless Statements for your chance to win big. Go paperless and you can win up to $15,000 cashl Leam more at Discover.com/sweepstakes. ;Finance Charge Summary Average Daily B° es Daily Periodic Rates Nominal ANNUAL PERCENTAGE RATES ANNUAL PERCENTAGE RATES Periodic FINIANCE CHAM Transaction Fee DES current billing period: 30 days Purchases $7344.78 ;Cash Advances $2229.67 0.04723% 0.05751% 17.24% V 20.99% V 17.24% 20.99% $104.07 $38.47 $0 $0 'The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. bnportant Mlonaatonu. Hirers is mite than one page to this lift statement, see the back of each page for adddioral important information. rn 0 See your CardmembaAgreatneM Your CardmemberAgreement contains al the terms d your Accord. rn z Lost or slow cards. Report irmediaW Call 1-1100-347-2683. o Song Rigbls Sunsrwx In Case of Etas or QuestionsAboulYou BILK you Wi your bill is wrong, or if you need mare Wevi ation about a transaction on your bill , write to us en a sepande sheet otpoper at Discorm. PO Banc 30421, Sall Lake Gly, UT 841300421, as soon as possible. We must hear from you no haler Chan 6D days after we sent you the first bill on . $ which 69 error or problem appeared. You can telephare us, but doing so will not }reserve your rigtds. In your Wer, give us the blowing irrWnn itim -Your nerve artdAcooad ausbee • The do6rareoud of the suspected am. Dasabe ft error and sg4ain. I you can, why you believe there is an enor. t you need more nfonmatbn, describe the item you acre uhsue about. You do not hoe to pay any amount in question vide we are investigating, but you are all obligated to pay the pads of your bill that are not in question. While we Investigate your question, we cannot report you as d*querd or take any action to rated the amount you questiarh. Special Rub for Credit Card Puchasew It you have a problem with the tptaRyr of gook or services that you purchased with a credit card, and you have W In good folh to correct I ha problem with Be mwdmd you may n of have b pay tle renaihing amount due an the gook or secvioes. You have this protection a* when the pudesse price as more tw $50. and this prc hoes, urea made in your Name stew orwiEdn 100 rn8es of your mating address. (If we own or operate the merdhant, or If we mated you the advertsernent fa the goods or services, all purchases are covered regardless of the anount or location of phrdrese.) Payawds. Send only me tmyrnerd and the top portion of this statenterd'm the envelope provided. Do rat send rash. By aehdng your heck as described above, you auba e, us to use Information an yohrdhedc b make an electroic fund transfer from yaradeount at th f wKW hrsttudon indicated on your dtedc or to process ties payment as a c had transaction. 0pgimintisprocessed! aanslendaick Muster,totransfer wibefabearnontofthedhedt.Wien weusei mianyotrdhedtomakeanelectariclundtreoder, rants rtny be viYlvdravmtwmyar aocant azsoohas the same dayvre so;efve yar paysne+d, eat you will soot receive yaws dKd: bark ticmyour6nendatY+eYhYion. TheproassIgofyort>gRsee trosybedekyed fyousend ash, owesporhdenceerotherUrnswith your payrtahlt.Iyousandthep*TmMBarryother address orHyouusean nnvebpe etdertieen tlrale provtdd. Peymenb redsived n proper torm star procesdng ?Y A'6PIA bcr tfrhe do any day vrW b0- dredNOsd b yourAwanlas d INN clay. payments mosivedatmeprocesafr+ bcikyaWOWlocaltmevsYbeswilledtoyotrAmmadasdI*next daystyouhave mspkoedyorenvebpe.send your payment bDiscover,POBox: 6103, Carol, Sbeme, t.6bW4103. Pie allow 7-10 days fo delivery K your payment is reburied unpaid, we reserve the right bresubnal has an electronic debit. You can psyyour ni i nsm peyrneere or a greater ammunt over the telephone, and you can setup automatic pay rnerhts. Cal us at 1800-347--2683. You will need this shwmenl and your ba>ttamota bdantetlah. You mtntensm ghat atlident hurls are dabble in your beak actount, send at transadbrts must oamplyva U.S.In. You weit be asked b provide the hat 5dfghsof yo reooeunt elNemerd2IP code. By entedngfonmu obensasyourelectronic apeah ns, you will beagreeing to this eutrorlaton to abwus and your barbdeduct each ? bank account, as applicable. to coned an erta In theprooessi g dsudh payma t Nbu mist debit uK arid to inilaile paynnent y i adi ne WN bork acc udr ?? o an amaud Peynerd true or the New Balance on each starred. You cansnow s prooo k ho severvrs lot us pWasint select o annotint of each as ? a you bul adhr dlhe ac iwl notice at rest Was days eel must ro payiv" You may no* us d mil at tie address leled in in previous tr A agr * tiyanr pridients very in annou t, we wit tag year on each nmrrtiya dOm yyo r psymen be mile and hhow m ich it e pn it be. Your automatic popent artwu may be has teen Indicated an the ow" sWternerd based ea credit or paymatls applied dung the bW g cycle. Credt Reporting. We may report 6donrgton about your account to cnend bureaus. Law payments, rrissed payments, or other dab& on your account may be reflected in your credit wrila believe repost is Insocuralis or bdBase o ne B us at ft M ka Discover, FOS ox 16331 Wlriftioon, 985M16.Please frs namdt addres s, ham telephone eourr and Accord nurnber. Grace Period on Ptaelieser (at least 25 days). We begin to inpase Periodic France Charges on all bansadare fran this Transaction Date for the kansadion as shown on your bKM statement, mess a trenmctm Is posted to yo rAooount aft the dose of the billing period in which it occurs, in whic it case we begirt to impose Perio* Finance Ch aiges on that benediction tom 1* t* day of the Ming period In which it is posted to your Account We cordinre to it pose, Palo& Finance Omps until the date you pay your ardire New Balance, by makkg paynwda orroosivig uodds However, Kyou paid the New Balance on per previous billing steten ie t by the Payment Due Dale shown on that billing statemird and you pay the Now NWO by the Psymod Due Date an you amid bili g statement, we will not krpose Periodic Finance Charges on new purchases, that is, purchases first appearing on the current billing statanenL We cat to the'grace period ' There is no grace period on balance transfers or cash advances . . hininsan Finance Charge. We will charge you a rtinlni n FWWE CHARGE 41.50 for any brig period in which Periodic Finance Charges of less than 550 would otherwise be it posed. AnnrsN Fur. tyour Aooard has an annual fee, it v* be bided at the begtonlg death anniversary year yar Amatis open. The arnantof the fie appears an the staternant vdlen the fee Is bWed. The annual fee is nol mbxlabte unless you n* is that you wish to dose your Account within 30 days of the mailing or delivery elate of the sWlanent on which the fee is baled. You wild receive this refund aver H you use your Card dung that peiod. Periodic Finance Charges. W0- sod your transactions into groups of puddeeses, harsh advances, and balance transfers and than further sort the transactions within each group by their Annual Percerhtege Rate. For exanple, purchases subject to a promotional rate and purchases subject to a standard one would be separate grails. We Fehr to these groups as transaction cawgodes. Attie and death bing pedK weconpule balances and Periodic Fiance Charges for each day of the W4 period br each transaction category. We use Ihe; Mowing a AOM to oompuw Periodic Finance Charges fa each Irousactim callew (Average Daly Balance) times (days in billing period) Ones (Daily Pertodk Raw} (You may rake b do fiance charge summary on you bung awtemard Our these artsouhts.) Then we add up the Periodic Finance Charges for each transaction category to get the total PencicFnanoe Charges for youAemunt. The Average Daly Balance is shown as zero it, because of the grace period, no periodic Fiance Charges apply to the balance in a trasadion category. ft use the Average, transactions) Charges. =#W of catculafing the balance upon which we wpm Periodic Finance We compute the ovum Daly Balm kx each Modem category by adding tq a] to ddy balances In a Wing pabd basacbn category at d Misig the total by twrsba of ftp In to period. 0 Yte dwmpsw tiledaiy balance la each transaction category on each day by frsladdirg tae fotaWg to to previous d Ws dalyr balaoe: transactions with a 7 an aciw 0 of ft day as shown on your bbq sWWmeK unbea the transaction is posted b yeurAccaud alter the dose tithe billing period in which t ocars, nwddch rase to bansadon will be added loft dally bNenee as d the fist day tithe Wig period in which it is pnafed b yourAeeount, tees charged #W day and Periodic France Charges accrued on the previous days dairy balance; and by then subtracting any credits and payments tlst are applied against Bee belahce d the trarsiedionn catego yon bat day In calculating the daily balance fa the fast day of. the filling posted, we consider ths'pievious day's daily bala ice b have been you bow" for each transaction, category on this IAN day of you previous billing period. AN fees dhaged to yourAdxount are added to the standard Purchase trahsection allegory with the excepdorh of Cash Advance Transaction Fee From Charges which are added to the applicable cash advance tnasadfm category and Balance TrassferTlesacton Fee Finance C herges which are added to the a sidle balance bensfer transaction category Vow be special rateerples, we move the upefd balance of the balance transfer ant the Balance Traheler Transactor Fee Finance Changes to the standard pucleess trmsactah category. However. K the special raw has been wmkwfed chafer me Default Rate sector, we We the unpaid balance of the balance ka Ww and doe Balance Tea far Transaction Fee Finance Charges In the applicable, balance trahsfa transaction category until the special We ward have expired. ForTDD (Telewmmuniatons Device for the Deal) assMance, please call 14N&U7•1449. Discover may 1,0 his andla record telephone dalsbeWreen yah and Discover representatives for quality assurance purposes. The Oiscomf card is issued by Discover Bank, Merrhber FDIC. OITBK171 Closing Date: ERNEST SOUDER DISC VEW October 10, 2009 Account number ending in 7733 page 2 of 2 Cashback Bonus ® Award Summary Cashback_Bonus Anniversary Date: January 10 Balance Previous Cashback Bonus Award Balance $ 75.86 Purchase Award This Period + 0.03 Cashback Bonus Award Total 75.89 Cashback Bonus Award Balance 75.89 Award Available to Redeem $ 75.89 Restrictions apply to th?Cc?shback Bonus Padrior offers Visit Discovercom or call 1-800-DISCOVER (1.800-347.2683) for details. For program ai s, see the Cashback Bonus grogram Terms and Conditions. r New Balance Minimum Payment Due Account Number ending in 7733 DISCOVER $9,511,60 $188.00 Enter Amount Enclosed Below Payment Due Date $ December 5, 2009 please make check payable to Discover Card or pay online 0 Discovercard.com. 10 SDSN6A01 0008163 ERNEST SOUDER Tired buying stamps? Go mobliel Ai?ke and schedule payments from your phone 2607 WALNUT BOTTOM RD with the Discover app. It's fast and I's free. CARLISLE PA 17015-9329 Download now at discover.com/apps PO BOX 71084 ???nr??uurr?j??nr?rEss CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space Irrlrllrr1111hill irloI11111rrlrhrll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458892145109095116000200000018800 Discover More Card Account Summary Closing Date: November 10, 2009 page 1 of 1 Account number ending in 7733 Previous Balance $9,519.25 Payment Due Date December 5, 2009 Payments And Credits 200.00 Minimum Payment Due $188.00 Purchases + 45.52 :Credit Limit $10,000.00 Cash Advances + 0.00 :Credit Available $488.00 Balance Transfers + 0.00 Cash Credit Limit $5,100.00 Finance Charges + 146.83 Cash Credit Available $488.00 New Balance = $9,511.60 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 75.89 New Cashback Bonus This Period + 0.11 Cashback Bonus Balance $ 76.00 Coshback-Bonus* Since Anniversary Month ......... January: $7.82 ?CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discover.com or call 1.800-DISCOVER (1-800.347.2683) to redeem. How Can We Help You? 1. Visit Discover com to pay your bill for no cost, view your latest Account information, earn and redeem row . and more It's your choice - 3 ways to help 2. Coll 1-BODDISCOVER (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, 'ForTDD (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 Date Data Payments and Credits Nov 1 Nov 1 PAYMENT - THANK YOU $ -200.00 Home Improvement Nov 5 Nov 5 TRACTOR-SUPPLY-CO #0264 CARLISLE PA 45.52' Finance Charge Summary 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 $7265.55 0.04723% 17.24% V 17.24% $106.38 $0 Cash Advances $2269.11 0.05751% 20.99% V 20.99% $40.45 $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 get FREE shipping. Personalize gift cards with names and messages. Many have matching greeting cards) Save through 12131/09 - enter GIFT4 at DiscoverGikCard.com bnportant Irforenation. ff there is more Ihan one page loft billing statement, see to back of each page for additional important iaormaim. Sea your CardmembarAgraement Your Cendrnember Agreement contains alt the terms of your ACmunI, Lost orsblen cards, Report inma6ately! Call 1.800 47.2683. 8111irg Rights Summary. In Case of Errors or O.uesfions About Your Bill: It you think your 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, PO Box 30421, Salt Lake City, UT 84130-0421, as soon as possible. We must hear from you no fe er than 60 days after we sent you the fist bill on which the error or p ablern appeared. You can telephone us, but doing so will not preserve your rights. in your deter, give us the Waiwing nlomaion: -lourrten andAccointrarrba. The dollar amount of the suspected enor. Describe the ens and explain, g you can, why you believe there is an error, If you need more information, describe the item you are unsure about. You do riot have to pay any amamt in question while we are investigating, but you are aril Cbigaled to pay the parts of your bill that are not in question. While vie Investigate your question. we canal report you as delinquent or take any action to Collect the amount you question, Special Rule for Credit Card Pooh eses: If you have a problem with the quaYty of goods or services that you purchased with a credit card, and you have tried in goad with to ported the problem with the merdran4 you may not have to pay the remaining amount dire on the goads or services. You have txs protection only when the purdase price was more tan $50 and to purchase was made in your hone state or with n 100 miles of your mailing address. (K we own or operate the merchant or dwe mailed you the advertisement forge goods or services, all pxc ases are covered regardless of the amount or location of prncase.) Payments. Send only your payment and the top portion of this statement a the envelope provided. Do not send cash. By sending your deck as described above, you autadze us to use faformatbn on your deck to make an aledm* fund transfer tam your amount at the financial Institution indicated on your dads or to process the payment as a deck transaction. If payment is processed as an electronic fund transfer, the transferwill be lor de amount of the check. When we use Womalim ban your deck to male an eledronicbmd Veraw, hinds may bewtt flermhrompwrW.MMassoonastesamedaywereceiveyourpayment,andyouwitnotreceiveyamdedkba'kfromyourfmanealinstkaioth. The processing of your poynam may be delayed g you sand cash, comesponde nce or oter!kms with yon payment, I you send the payment to any other address or tyou use an envelope other tan to one provided. Payments received in proper form of our processing facility by 5PM focal time on any day will be kxadlied to yxrAccount as of OW day. payments fe oled814M POGNNV facility, dw.SPMlocal 11mir will becreditecltoyour Acontmfasdtanext day. If youhawmisplaced yaurenvdopa,sand yourpayneMtoDiscover.POSox 6103, Carol, Stream, 5.66197.8103. please allow 7-10 days fa defivery. V your payment is retumed unpaid, we reserve the right to resubmit g as an ebdm* debit. You can pay your minimum payment or a greater anaaht mw the telephone, and you can set up automatic payments. Cat us at 14g0-347-M. You will need d* statement and your bank accomliritareton.Youmint eneuelhalsfficient.bdsareavatablo nyourbank accaml,andaitamadomaWcor"WthU.S.tar. YouvMlbeaalualtopromidetheW 5 dfgts of yon account swe rrod ZIP code. By emerig lhcee numbers as your electronic sigahre, you oil be agreeing to this autt artzakri to allow us and your bank to deduct each payment you adedze from your thank award, and to intrale debit or credit ernes to your bank aoccunt as applicable, to correct an error In the processing of stair payment. You must het us to ainwM of each payment or you can select an amoum such as the iinnami Payment Due or On New Balance on each statement. You can cancel a payment however we mket recaive rhotide al toes! tees business days m advance ot the sdedaled payrr?hL You may rally us by plane at 1.800347-2683 orby mailal the ad dress listed n the previlm paragraph. tyour pests vary in amount, we wig het you on each mont hysrotamentwyen your peyrrerd will be made and how mach ftwil be. Your aulti arc payment amount may be lass tan Indicated on to mom" satemeM fused on credits or payments applied during to bmn9 aide• Craw Reporting. We may repot iMomation about your account to credit bureaus. Late payments, missed paymants, or other deautMa on yokracmint may he reflected in your credit report. Vila normally report to auto and paynem history of your Aaam to Credit reporting agencieseadi month. It you believe gat our report is naccuate or incomplete, please write us at the filming address: Discover, PO Box 15318, Wlekow, DE 19850.6316. Plow Include your rime, address, hone Wephone mmbw and Account nwhber. Gras Period on Plydmaea (at least 25 days). Vile boo to impose PeFK& Finance Charges on of itaeGCbOne tram the Tra sa him bate for Be transaction as sham on your Wing stabmenL uhkss a Va sadion a posted to yokrACCOUk ate the dose of the piing period in which it ocars, In which case we begin b impose Periodic Finance Chages on cal trereadfm from to fast day of the biting period in which a o posted lo your Account. We continue to impose Pdaiodlc Finance Ganges and the date you pay your emke New Balance, M payrnesasor recoliftceft.yloavrvetilywpaidlhaNawBalameonyarpreviotebiingatate+nentbytePaymeMDkat3ateshrnmnontutbWgSWMWardyoupay the New fiance by to Payrem Due Defeat you raiment billing siefeateK we wit rd Impose Periodic Fiance Charges on new purchases, that is, purchases first appearing on the . ainent hitting Malere nt. We Cat this the *grace period.' There is no grace period on balance hansfaks or cash advances. Minimum Finance Chop. We will charge you a minimum FINANCE CHARGE of $.50 for any billing period in which Periodic Finance Gorges of less than $.50 Wald otherwise be imposed. Annual Fes. t yowAocaunt has at annual fee, 0 will be wed at the beginning of each anniversary yea yourAccount Is open. The amount of the fee appears on to Moment when to fee's bled. The areal lee is not refundable unless you rw* its tat you wish to dose y ourAccokmt within 30 days of the mailing or delivery date of the stalemeM on witch the tee is oiled. You will receive this mW am tyu use your Card during that period. Pollock Finance Charges. %sort you transactions iWo groups of purhases,.kash advances. and balance basfers and then ixtersct the transactions within each group by . teirlvauel Percentage Rate. For example, purchases subject to a promotional rate and purchases subject lo a standard rate would be separate groups. We refer to Less groups as iraeaction calegorite . At to end of each biting period, we Compule balances and Periodic Finance Ganges for each day of to biting period for each transaction category We use the Jdbmdng equeton lo Compute Pedodfe Finance Charges for each transaction category: (Average Daly Balance) limes (days In biting period) times (Daly Periodic Rate). (lour may refer to the inarioe charge summary on your billing statement for doe amounts.) Then we add up the Periodic Finance Chagos for each transaction category to get the total periodic finance Charges for yaw Acom a. The Average Daily Balance is shown as zero t, because of to grace period, no Parade Fnewe Charges apply to the balance In a transaCdon category We use IheAverage Daily Balance (unckrdfrg new barsadions} method of calculating the balance upon which we impose Pafodc Finance Charges. we compute the Average Daiy Balance for each transaction cafe lay by adding up all tae daily balances Ina billing pedod for a transaction category and dvid%to total by the amber of days in the billing period. We compute the dally balance for each transaction Cptegay on each day by heal addag the tot0wing to to previous data d* balance: treosaciona with a Transition Date of that day as pawn on you Willing statement, unless the transaction Is posted to your Account after the dose of the filing period in which it ocoas, in which case to I ahsactlah will be added lo fie rtsgy balare as of the fast day of the biting period In which g is posted to your Account, fees charged that day and Periodic Fiance Charges accrued on the previc s days daffy babnoe; and by ten wbbacirg any credits and payments that are applied against to balance of the transaction category on that day. In caladaing the daily balance for the first day of the ON period, we consider the'prevbus days daily baknce'to have been your balance for each Intersection category on the lost day of your previous Whig period. All Jose Barged to your Ao=A are added to the standard purchase f artsacaim category with to exception of Cash Advance Transaction Fee Fnanoe Chagos which are added to the applicable cash advance transaction cdoM and Belarnce TmvdwTrermcbm Fee FnanceGharges which ate added to 0% appicable balance WwWortransacion category. When the special rote expires, we move the unpaid balance of to balance transfer and the Balance Traaier Transaction fee Finance Ganges to the standard purchase haneadfon category. However, t to special rate has been terminated wow the Debut Rate section, we leave fhe uroM balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges in the applicable balance trarefer trasarirorn category until the special rate would have expired. For MD (Talsoonurpqnkatona Device for the Deaf) assistance, please call 14800 47.7449. Discover tray non for ardor retard telephone calls beMeen you and Discover representatives for quagy, assurance purposes. The DaCoVee' card is issued by Discover Bank, Member FDIC. OfTBK171 New Balance Minimum Payment Due Account Number ending in 7733 DISCOVER $9,631.00 $190.00 Enter Amount Enclosed Below Payment Due Date $ January 5, 2010 please make check payable to Discover Card or pay online 0 Discovercard.com. 10 SDSN6A01 0008164 ERNEST SOUDER 2607 WALNUT BOTTOM RD CARLISLE PA 17015-9329 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 mobileI Make and schedule payments from your phone with the Discover app. It's fast and It's free. Download now at discover.com/apps PO BOX 71084 111111111 is 1111 CHARLOTTE NC 28272-1084 ilulli,l,il,rlrl,rll Itill III till II III IIII III IIII illllh,slhoil 000001986458892145109096310000200000019000 Discover More Card Account Summary Closing Date: December 10, 2009 page 1 of 2 Account number ending in 7733 Payment Due Dote January5, 2010 Minimum Payment Due $190.00 Credit Limit $10,000.00 Credit Available $369.00 Cash Credit Limit $5,100.00 Cash Credit Available $369.00 Previous Balance $9,511.60 Payments And Credits 200.00 Purchases + 176.73 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 142.67 New Balance 9,631.00 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Cashback Bonus® Since Anniversary Month January: $8.25 Opening Cashback Bonus Balance $ 76.00 New Cashback Bonus This Period + 0.43 Cashback Bonus Balance $ 76A3 How Can We Hel You? P 1 • Visit Discov er 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. Coll 1-800-DISCOVER (347.2683) for fast, easy selfservice options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Soft Lake City, LIT 84130 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. TrUnL Post Date Payments and Credits Dec 2 Dec 2 PAYMENT - THANK YOU $ -200.00 Merchandise/Retail Dec 5 Dec 5 WAL-MART SC - #5358 SHIPPENSBURG PA 66.66 Warehouse Clubs Dec 2 Dec 2 BYS WHOLESALE HARRISBURG PA 110.07 Information For You Build extra Cashback Bonus by using your Discover(Rl card to pay your monthly household bills like cable, cell phone, and insurance. Ws easy to. set_up,-just contact.your provider. You'll earn rewards with every billl Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Foe Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $7257.54 0.04723% 17.24% V 17.24% $102.83 $0 Cash Advances $2309.25 0.05751% 20.99% V 20.99% $39.84 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above Great holiday savings are just a click away! Earn 5% to 20% Cashback 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 Discover.com/shop todayl Imporfard Information. If there is more tan one page to this billing statement see the back of each page for additional important inbmhation. o See your Cardmember Agreement. Your Cardmember Agreement contains all to tams of your Account cn z Lost or etolen cards. Report immediately! Call 1.800.347.2603. o Billing RWft Summary. In Case of Errors or Questions About Your BiA If you tft your bill is wrong, or it you need more information about a transaction on your bill, write to us on a $ separate sham of paper at Discover, PO Book 30421, Sat lake City. UT 84130-0421, as soon as possible. We nest hear from you no later than 60 days after we sent you the first bit on ? which the error or problem appeared. You can telephone us, but doing so will not preserve yam rights. In your slier. give us to Following information: Your ram and Account number. p The dollar amount of the suspekded error. • Describe the errorand eapleb. If you can, why you believe there is an anat. If you need more information, describe the tam you are unsure about. You do not have to pay any amount In question while we am irnestgatng, but you are still obligated to pay the pads of your tall that are not in question. While we investigate your question, we cannot report you as dai&hquan or take any adm to collect the amount you Weston. Speelal Rub for Credit Cud Pwdu* ale If you have a problem with the tpreily of goods orsvhm tort you purchased with a ctadd card, and you have tied in good faith to correct the prodern with the mercamt you may act have to pay the remaining am" due on am goods or services. You have the protection only when the purchase price was more than $50 and to purchase was made in your hone elate or within 100 mks of your mailing address. (t we an or operate the merchant, or twe mailed you the advettisemerd for the goods or services, all purchases are covered regardless tithe amount or location of phrdtese.) Paymerhta. Send only yokrpeymat and the by portion of this statement in the envelope provided. Do not send cash. By sending your check as described above, you authorize us to use inormalim on your ciedk to make an electrone bid transfer from your account at the financial ihslitwtm indicaed on yaw check or to process the payment as a check transaction. If payment spwoessed as an electronic fad transfer, ft Wishowil be for lhe amount of d*d*& When we use nib.. 0on from you check lo make an electrmic fund banser, ems maybe w0 draw from you accetrhtas soon as the same daywe receive your payment, and you will notreceive your check back from you financial institution. The processing dyour payment maybe delayed f you send cash, correspondence or other tems w1b your payment, f you send the payment to any other address or tyou use an anvebpe ether tun tsars provided. Peymhe ire received in proper form at our processing faaTty, by SPM local time on any day will be credited to you Account as of that day. Payments receikd at our processing faddy dw.5PM local time will be credited to your Account as of dB next ft If you have misplaced your envelope, send yourpaymentio Discover. PQ Box 6103, Card, Stream, IL 60197-6103. Pease stow 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. Cal us at 1 347-2683. You will need this statement and your bank axxtrt inbnaton. You mud ensue tatsuMdam funds are avadabe in you lank account, and at transactions mast conpllr y h U.S. law. You wit be asked b provide the fist 5 dgta of yam amamtstalement ZIP code. By enerkng those numbers as yourelectronic signabue, you will be agreeing to this auftriaaton b allow us and your beck to dedud each payment you autnr¢e from your bank account, and to IlrEam debd or credit miles to your bathe aaamt, as applicable. to correct an error in the processing of such payment. You must tell us the amount d each payment or you can select an amoum such as the Minimum Payment Due or Ina New Balance on each statemeot. You can cancel a payment; however we must receiva notice at Wed tree bwknessdaysin advance of tsscheduled payitttatl You may notify us lry phone at t-11"T-2663 at by mail at the address kW in the prOAM pmVraph. t you paymees vary in amount, ale will td you an each monthly statement when your payment will be made and how mulch it well be. Your autametic payment amount may be less tart Indicated an the morhttiy statement based an credits or pay wit appfred diming the bong cycle. Credit Reporft We may report information, about your account to credit bureaus. Las payments. missed payments, or other defaults on your account may be reflected in your credit report. We normally report lire sstus and payment Msbry of yourAcmhnt to credit repai" agencies each month, f you believe that our report is inaccurate or incomplete, please write hs at the folowYtg address: Discover, PO Bole 15316, Wilmington, DE 19850.5316. Pease include your name, address, tame telephone nurber and Account number. Grace Period on Purchases (at least 25 days). We begin to impose Pedodc Fitarnce Charges on all ham actios from the Transaction Date for the transaction as shown on your biifhq slatemeht, unless a banaeCtlon Is posed to your Account after fa dose of the tAgrg period in which Lomas, in whk h case we begin to impose Periodic Finance Chagas on that bansacton tom lire ikstdayof the big period in whidt f is posted to your Amount. We continue to Impose Periodic Finance Charges until the date you pay you entke New Balance, by making paymerhs or rerxMng oath ts. However, f you paid die New Balance on your previous billing staaenent by the Payment Due Date shown on that tiling statement and you pay the Net BaWft by ft Payment Die Date an your amentbliing statement, we wit mot impose Pedodhc Finance Omps an new purchases, tabs, pudases frst appeabhg on the current piing statement We call this that 'qmee period.' Thhere is no grace period on balance traders or cash advances. Minimum Fiance Charge. We will deg you a minimum FINANCE CHARGE of $-50 for any bang period in which Periodic Finance Charges of less than $.50 would otherwise be imposed. Annual Fora. If yourAcount 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 Ifs statement when the fee is billed. The annual fee is not refundable unless you notfy us that you wish to dose yourAcmuat within 30 days of the maWng or delivery date of the statement on with hie fee is billed. You will receive ft refund even f you use your Card during that period. Periodic Finance Charges. We sort you transactions into groups of purchases, cash advances, and balance bandets and Ow further son tile. transactions within each group by- - - theirMmal Percentage Rate. For example, purdsses subject b a promotional rte and purchases sued to a standard rate would be separate groups. We refer to these groups as troudon caleples. At the and of each Ming period, we cormpW balances and Periodic Fiance Charges for each day of the being period for each transaction category . We use the fd"gequation to carpus Periodic France Charges for each transaction atmpmy. (Average Daily Balance) limes (days in big period) tines (Daly Pertadic Rate). (You may refer to to fiance charge summary on your biting statement for these amourhs.) Than we add up the Periodic Finance Charges for each transaction category to get the total Periodic Fiance Chow for your Account. The Average Daily Balance is id- as zero 9. because of the grace period, no Periodic Fnance Charges apply to the balance in a transaction campy. Vk use it* se Average Daily lance ry hiding no transactions) he method calculating the balance upon which we impose Periodic Finance Chaps. We mnpule the Average Daly Be each erdaily getion below breach transecton ler Na dihhg prod for a trmsadion categoryand dividing the Dalai by the number of days in the billing period. We s compula the for for category on beach a day by sataddig the fob" to the previas day's dally balance: tra sections with a Transaction Date of that day a y tan aors your bMm»?tsnk nlm the fasaGim is posed toyourAtcarrt aft In cbse of to billing period in which it occurs, In which cm the transaction wig be added da Dftheft day d atirg any credls and mi payments period invilh"11 that are applied against the balance ofthe transaction campy P on that day key In Barges the daily on the ce cola days dairy balance; and by then err alegay on tat In calculating the daily balance for the fat day of ft big period, we consider the yrevios days daily baleW ID have been you balance foreach iransanalorh campy on the last day of your previous billing period. AN far charged to you Account are added to is stamdend putdnae resection category with the exception of Cash Advance Transaction Fee Finance Chagas which we added b the apptcahb cash advance fafsadiah colopyand Balance Tia derTrasse ion fee Fiance Changes Ouch madded to ilea aphplic?le balance be sterbansadion category . When the special roe expires, we mareLe unpaid balance offte balance dander and the Balance Transer Transaction Fee Frmncce Charges to the standard purchase tansectoh category. However, f fie special roe has been satiated under the Detaut Rate section, we save its unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Cherga In the applicable balance Wrier asadion casgory will the special ram world have expired. FaTW R? Device for the Oad) a sidahce. please call 1400.347.7449. Discover may m wftan dor mcondtesplvone cats between you aid Dscoverrepdesemalvec for quality assurance purposes. The Discover' ad is lamed by Discover Be* Member FDIC. OITBX171 DISCOVER Closing Dote: ERNEST SOUDER December 10 2009 Account number ending in 7733 page 2 of 2 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: January 10 Balance Previous Cashback Bonus Award Balance $ 76.00 Purchase Award This Period + 0.43 Cashback Bonus Award Total 76.43 Cashback Bonus Award Balance Award Available to Redeem 76.43 $ 76.43 Restrictions apply to thg Cashback Bonus Partger oilers visit Discover eom or cal 1-800-DISCOVER (l 84Q347-2683) for details. For program details, see the Coshbac Bonus Program Terms and Conditions. New Balance Minimum Payment Due Account Number ending in 7733 $9,646.78 $193.00 Enter Amount Enclosed Below DISCOVER Payment Due Date $ February 5, 2010 Please make check payable to Discover Card or pay online @ Discovercard.com. 10 SDSN001 0008165 ERNEST SOUDER 2607 WALNUT BOTTOM RD CARLISLE PA 17015-9329 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 mobilel Make and schedule payments from your phone with the Discover app. It's fast and its free. Download now at discover.com/apps PO BOX 71084 IllrrrllrrrrrIIIIIIrrlslrII CHARLOTTE NC 28272-1084 I„1,11,,1,„I,It„, I„1,1„,Ill l r„1 rrl„I„II„I„Ir,l,l„II 000001986458892145109096467800200000019300 Discover More Card Account Summary Uosing Date: January 10, 2010 page 1 of 1 Account number ending in 7733 Previous Balance $9,631.00 Payment Due Date February 5, 2010 Payments And Credits 200.00 Minimum Payment Due $193.00 Purchases + 61.23 Credit Limit $10,000.00 Cash Advances + 0.00 Credit Available $353.00 Balance Transfers + 0.00 Cash Credit Limit $5,100.00 Finance Charges + 154.55 Cash Credit Available $353.00 New Balance - $9,646.78 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cash6ack Bonuse Opening Cashback Bonus Balance $ 76.43 New Cashback Bonus This Period + 0.15 Cashback Bonus Balance $ 76.58 Cashback. Bonuse.Since Anniversary..Month ......... January: $8.40 CONGRATULATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discover.com or call 1-800-DISCOVER (1-800.347.2683) to redeem. How Can We Help You? 1. Visit Discavercam 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 A M anager ccount options or to speak with a Customer Service Please have your Discover Card available. 3. Write us of Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $O Fraud Liability Guarantee Use your Discover Cord with confidence. Trans. Post Date Date Payments and Credits Dec 24 Dec 24 PAYMENT -THANK YOU $ .200.00 Merchandise/Retal Dec 23 Dec 23 DEALS 3431 00034314868 CARLISLE PA 18.02 Home knpravement Dec 18 Dec 18 LOWE'S OF CARLISLE, PA CARLISLE PA 43.21 Finance 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 $7281.20 0.04723% 17.24% V 17.24% $106.60 $0 Cash Advances $2353.01 0.06573% 23.99% V 23.99% $47.95 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above W" W knfomWM t throe n am than cna page t oft tilting abatement, see the back of each page for additional important information. See yourCarcrrneatlwAtpeeoient. Your CardrtremberAgreementcontains all the terms of yourAccount. . last or sWo cards. Report immediately! Cal 114MUT-2681 Mail Right &-orlc In Cued Errors orQuestionsAbout Your Bt: If you think your bill is wrong, or N you need more information about a transaction on your bill, write to us on a separate shed of paper at Difhcmra, PO Bmk 30421, Salt Lake M UT 841311-0421, as soot as possible. We must hear from you no later than 60 days after we sent you the first bill on w'Awdt the rwrorprobkm appeared. You can Wephone us, but doing so will not preserve your rights. In your leper. glue us the fofowing inlantelion: Your mime and Amount nu nbef. The dolor amount of the suaapecled error. Describe the am and eglelir, lyou can, why you believe there is an error. If you need more nfennalkr4 describe Ote tam you are unsure about. You do not have to pay only amgUw In question white vre are iwesligaGg, but you are still oblgated to pay the parts of your bill that are not in question. Mae we investigate your question, we cannot report you as deitque nt or We any acion to celect the amount you question. Special Ride for Credit Cod Purchases: t you have a problem with the quality of goods or services thal you pxchased with a credit card, and you have trued in good faith to correct the problem with the madtatl, you may not have to pay the rrrmini g amount An on the goods or services. You have this protection only when the purchase price was more than 550 and the purchase was made in your home Male or within 100 miles of you mailing address. (t we awn or operate the merchant or t we mailed you the advertisement for the goods or services, al purchases are covered regardless of the amount or location of purchm) Payments. Send only your payment and ON top portion of this Matenhent it the envelope provided. Do not send cash. By sending your check as descried above, you authorize us to use information on your check to make an dec0ow krd trastMer from your account at the frendal institution indicated on your check or to process the payment as a check transaction. I payment is processed as an dechorkc fund trash, the tmnsferwill be for the annum of Be check. When we use informatoh from your dock to male an electronb kind trander, funds, may be vfithdra km your account assoav as the same day we receive your payment, and you will not facemyour check back from your financial instih+tiom. The Processing of you payment may bedelato lyou sad cash, ooaeeporiderw or other We with your payment, if you send the payment to any other address or t you use an envelope otter than to one povldsd. Payment received in proper form at our processing Oft by 5PM local lime on any day will be credited to yourAaount as of that day. Payments received alourpwoeakgltilly ahrliPM focal time will beuedled to yo rAccount as of the nad4ay. ifycw have misplaced your envelupe; send-you porneMao Discover, PO-Box 6103, Carol, Stresm, R 60197.6103. Please stow 7-10 days for delivery. If you payment is mtimed unpaid, we reserve IN right to resubmit G as an electronic debit. You can pay your minimum payment or a greater amount am the telephone, and you can set up aulomatc payments. Cal us at 1-800-347-2883. You wt reed this statement and your be* 80=0 intro me ion. You must snare"sufldrA firm are atalable In your bank account, and al transactions must comply with U.S. law. You will be asked to provide to first 5 dgis of your am w sidement ZIP code. By WA" those numbers as yowdectoric signanue, you will be agreeing to this authorization to allow us and your bank to do" each payment you autndze tinm your bank eooorht we to nitrate debit or aedt emdes to you bank account, as appkca*. to coned an am in the processing of such payment. You must tell us the amount of each payment or you can select an amount such as Ore Milinrn Payment Due or the New Balance on each statement You can cancel a payment however we rest meeive notice at WA tree brranees days In advmroe of to adNduled payment. You may notify us by phone at 150Q-347-2683 or by mal at the address ittd in the previous paragraph tyre payments my in arautl,we wit tall you on each monthly stalornrn when your payment will be made and how much 9 will be. Your autorrrate payment amount may be less than ihd iaMd on the monthly statement based on credits or payment appled during the biting cycle. Credit Reportrtg, We may report Mrknata+about you aoiatmt In credit bureaus. late payments, missed payment, or other default on your account maybe reflected in your credil report We normattrmpod ft son and payment Pillory of yourAccoart to credit reporting agencies each month. t you believe that our report is inacarale or incomplete, please wails us at the following address: Discover, PO Box 15316, Wilmington, DE 198505318. Please Ind ude you name, address, hams telephone number and Account number. Lilacs Period on Purchases (at least 25 days} We begin to impose Periodic Finrne Charges on al 7ansockors from the Transaction fate for the transaction as d ow on you bating statement, wisps a t a xaction Is posted toyourAccou t after the dose ottbs burg period In which G ocaas, in which case we begin to impose Periodic Finance Charges on that transaction hors tN test day of the biting prod in W" it is posted to your Accouw. We continue to impose Periodic finance Charges until the data you pay you entire New Balance, by making paymerh or receiving cradle. however 9you paid to New Balance on your previous biting statement by the Payment Due Date dawn on that biting statement and you pay the New Bottom by ft Payment Due Date an your cuemdRng Moran, we will not impose Periodic Frhance Charges on new purchases, that is, purchases lrst appeasing on the c ment bung stleetant We cal this the'graoe perlod.` There is no grace period on balance transfers or cash advances. Minimum Finance Charge. We will large you a minimum FWANCE CHARGE of 5.50 for any Clog period in which Periodic Finance Charges of less than $.50 would otherwise be imposed. Annual Fee. If yorAoooM has an amid lee, it will be biled at the beginning of each anniversary year your Acmmnt is open. The amount of the fee appears on the statemad when the fee's bled. The annual be is not refundable uofess you trolly in that you wish to dose yourAcm a within 30 days of the mailing or delivery date of the statement on which the fee is bitted. You will receive this refund even tyou use you Card during that period. Periodic Runce Charges. We sort your transactions Into groups of purchases, rash advario s, and balance transfers and than further sort the transactions within each group by therAnn ual Percemtege Role. For examlole, purchases subjecl to a promotional rate and purchases subject to a standard fate would be separate groups. We refer to these groups as transaction calegodes. At the end of each billing period. we oampute belanoes and Periodic Finance Charges for each day of the biting period for each transaction category. We use the following equation to compute Penodic Fna ors Ow" for each transaction category: (Average Daly Balance) tines (days In Wig period) times (Daly Periodic Rate). (%u may wfrto to fiance dirge summary on your cling statema t for these amount.) Then we add up the Penodc Finance charges for each transaction calegory to get the total Periodic FinanceChages ter your Account. The Average Daly Balance t stain as zero it, because of the grace period, no Periodic Finance Charges apply to the balance n a tra115dd10n category. Wg use to Average Deity Balance (including new trahsactiorhs) meted of calculating the balance upon which we impose Periodic Finance Charges. We compute the Average Dally Balance for each transaction category by adding up al to daily balances in a billing period for a transaction category and drading the total by the number of days in the billing period. We compute the doily balance breech transaction category an each day by first adding the folowing to the previous day's daily balance: transactions with a Transaction Date of that day as Mown on you billing statement, unless the transaction Is posted to yourAaoout after the close of the biting period in which it oasis, in which case the transaction wit be added to the daily balance as of the Orstday of the billing period In which it is posted to your Acoouni, fees charged that day and Periodic Finance Charges a trued on the previous day's daily balance; and by tan subtracting any credits and payments that are applied against Ow below of the transaction category on that day. In calculating the daly balance for the first day of the billing period, we consider the previous day'. defy balarme• to have been you balance for each kosadion category on the last day of your previous bNfmg penod• AN tees charged to you Amount are added to the standard purchase transaction calegory with ft exception of Cash Advance Transaction Fee Fiance Charges which are added age applcahb cash advance trarsa r 1, rr category and Beane Trader Transaction Fee Finance Charges weidh am added to the applicable balance tnrskr tmsacbm category. When special Ihe W eVites, we move, the unpaid balance of the balance trawfar and to Bdarxe Transfer fee Finance nce Td purchm transaction a lFee category HoNever. If the spatial role has been tmriatd under the Defaul Rate section, we leave the unpaid balanoe of the balance ttransfer and the Bala Finance Charges in the applicable balance bash transaction category uwl to special rot wound have owed. For MO ffolecammunications Device for the DeoQ assistance, please call I.Ul). 47.7449. Discover may mnritor ardlorrecord telephone cais between you and Discover representatives ter quality assurance purposes. The Dbsooverrcard is iWAW by Uncover Barak, Mender FDIC. OITOK171 New Balance COVER Minimum Paymenf Due Accounf Number ending in 7733 $9,602.13 DIS $193.00 Enter Amount Enclosed Below Payment Due Date -? $ 1 March 5, 2010 Please pay online 0 www.Discover.com or make check payable to Discover. 10 SDSNSA01 0008166 ERNEST SOUDER 2607 WALNUT BOTTOM RD CARLISLE PA 17015-9329 Address, e-mail or telephone change? Go to www.Discover.com or print change in space above. Tired of buying stamps? Go mobilel Make and schedule payments from your phone with the Discover app. Irs fast and it's free. Download now at discovetcomlapps PO BOX 71084 lllurllnrrullllnrlrlnl CHARLOTTE NC 28272-1084 Ir,IrIII rlr,rlrllnAll Rill rirllllr,rlr,lrilrrllrilr,lr,lrir,ll 0000019864588922145109096021300200000019300 Opening Date: January 11, 2010 - Closing Date: Febr Discover More Card Account Summary Account number ending in 7733 Previous Balance $9,646.78 Payments And Credits 200.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Finance Charges + 155.35 Other Fees t + 0.00 New Balance 9,602.13 See Finance Charge Summary section following transactions for detailed APR information Credit Line $10,000.00 Qedik LineAvailable $397.00_ Cash Advance Credit Line $5,100.00 Cash Advance Credit Line Available $397.00 You may be able to avoid Periodic Finance Charges, see the reverse side for details. tSee transaction detail for a description of any fees charged. Cas t' ac c 8onuse Anniversary Month January Opening Cashback Bonus Balance $ 76.58 New Cashbock Bonus This Period + 0.00 Cashback Bonus Balance $ 76.58 To learn more, log in at www.Discover.com and wiect Rewards 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 Discover®card available. 3. Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 iry 10, 2010 page 1 of 2 Payment Information New Balance $9,602.13 Minimum Payment Due $193.00 Payment Due Date March 5, 2010 Labe 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 22.24% 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: Manage Your Account Online at wwwbiscover:aorn Access Free online tools like Paydown Planner to create a plan to pay down your balance, securely access slatements,pay_ _ bills online and easily track all transactions - - .. - - _. Make your money worth moreSm-find easy ways to earn and redeem cash rewards For TDD (Telecommunications Device for the Deaf) NEWI Access your account securely through your assistance, please call 1.800.347-7449. mobile phone Transactions Trans. Past Dab Date Payments and Credits Feb 3 Feb 3 PAYMENT - THANK YOU $ -200.00 See reverse side. C9 z:,"L If you would like information about credit counseling services, call 1-800.347-1121. hnportant Worn adi n. It there is more men one page to this baling state,nent see he back d each page for additional knpo tent information. See your CardmemberAgreemem. Your Cardmember Agreenenl contains all the terms of yourA.ccount. Lost or stolen cards. Report knniedietelyl Call 1488347.2683. B61ing Rights Sunmtayt. In Case of Ems or Questions About Your Bill: If you think your bill is wonti, or if you need more in(oenaEm about a transaction on your bit, write to us on a separatesheet of paper at Discover, PC Boot 30421, Set Lake City, UT 841"21, as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on winch the errors problem appeared. You can telephone us, but doing sows not preserve your rights. In your letter, give us the following information: Your name arrdAc unit nwnber. The dollar amowrtd me suspected ens. • Drysctbetheerarand eyplaln, iyou can, why you hetisve mete fs an error. t you need mole inlonnaticn, deauibaha rem you ate ursure about. ! You do nor to" to pay any smart in question wlate wa are investigating, but you are stir obligated to pay the parts of your bill that are not in question. Mile we investigate your question, wecannot report youasdefncluentorbkeanyaction to collect the arriount you question. Speclfl Rule for CraR Card Puncheon: 9 you have a problem wiQh the quality of goods or services mat you purchased with a credit card, and you have tried in good laih to correct the problem with the naendhad, you may not have to pay he remaining amount dire on the goods or services. You have rots protection or* when the purchase price was mile than $50 and the puucnhase was made in your hams state or within 100 mils of you m ug address. (d we own or operate the merchant, or if we nailed you the adverireemed for the goods or senses, all pudwes are covered regardless of the annou nt or location of puchasea Payments. Send only your permit and the lop portion of this deferred in he envelope provided. Do not send cash. By sending yourcreck as described above, you authorize us to use intamhaton an your check b make an electronic fund transfer from your account at the financial institution irdeoled con your check or to process he payment as a check frasedion. 9 paymail is prooessed as an eteckonio fund traslar, he transfervA be for the anonn others check. When we use inbrtnallm from your check to make an del> mm fund transfer, %rids nay be wtlbdrawn trim your amousitas soon as the sum day were your permit and youwx nottome pi check back Wan your lmanti l Irdmihtw,. The processing of your paynsd may be delayed If you said cash conespaicience or other them with your payment, t you send the payment to any other address; or if you use an envelope other tree the one prwidea Pay rrerro reined In proper form at our pocessing f:driy by BPM bad thine on any day call be credited to your Amount as of that day. Paynedti rec*Watourpotesdrg feeillyaller 5FW local Nine vA be credild to, your Amount as of the red da* 9 you have n*pkw your envelope. saki your paymen b Discover; PC Sin 6103, Caul S?rearrh. IL 60197.6103. tease allow 7-10 days for d"y. It your permit is armed unpaid, we reserve the right to resabrriit it as an electronic debi. You can pay your mirmiurn pared or a greeter amount over he telephone, and you can set up Kanatid payments. Cal us at 1400347-2683. You will need hla statement and your beak aaarn idonnatm. You mud ensure tat suf6da t (ends are available in your bank ctoonL and all transactions muatomply with U.S.law. You will be asked to provide he first 5 dgils of your aceaintalalemet. ZP code. By entafng hose nuin hes as your dedford: signature, you unit be agreeing to this authorization b allow us and your bank to deduct each pared you articinue kom your dank account, and toInflate debit or czedlit entries to your bank amourn, as aplikable, to correct an an in the processing of such parse t. You meat; tell us the aronrd d each payment a you can select an anoint such as the Mkanum Pared Due she New Balance on each ateleaent. You can caoef a payment howeverwe mh>SrAteoaive++oNceallaeal healasinesadays in aCranca d>fieacy>edtAed pa}rna>t You may ndiy in by ptmal 14DD-347.2683 a by mail aline addressbond "n thepneWras paragraph. It yaw permits very In awaK vas YA tell you an each Mordinly staderrienit Man your credits or paymaus applied during he b? will be made and law much it wit be. Yarn autametlc PaY? ?d may be less than indicated on the naffily Maned based Cie* Reporting. We may report inform»tim about your Amount to credit bureaus. Late payments, rinsed payments, or other defaults on your Account may be reflected in your credit report We nmmvalfy report he slaws and permit history of yokrA.cwart to credit reporting agencies each month. N you believe that our report a inaccurate, or noomdele, please came us at the t 6cr ng address: Discover, PC Bork 15316. WuLalngton. DE 19850-5316. Plow Include your creme, addiea, home lelephone mrnber and Account number. Grace Period on Piaehases (at least 25 drys. We begin b impose Penoklc Finance Charges ah all transactions horn the Transaction Date for the transaction shown on your biting steered, unless a transaction is posted ID your Amount after the close of the bitting period In vhch it occurs, in which case we begin to impose Periodic Firma Charges on that transaction from the first day of the biking period in vdikh it is posted to your Account. We continue to impose Periodic Finance Charges until he date you pay you a life New Balance alown on your billing a6lEenea by making payments or receiving credits. However, 4 you paid the Now Balance on your previos WIN statement by he Payment Due Dilate sh m on that biting slalanat, via will rot impose Periodic Finance Charges an new pundkasse, hat is, purchases fast appearing on the caneM billing slaleknent or any paNm d a new t • paid by the payment Due Dale on your cured billing slaterhad. We call his the grace perloa.• There is no grace period on balance transfers or cash advances. As mile hny described In the section dyau CadmenberAgreement titled'How WeApply Payments. we, generally apply parents to your Amount based on ft Ann ial Percentage Rate applicable to he balance of each transaction category. This means that 9you do not pay the New Balance on the ctirrent MkV slater end by the Payment Due Date drown on that billing statemad, then, depandug on the amount of your payment and ftAnnual Percentage Rates on ohs balances, you may not gel a grace period on now purchases. liianrrm finance Charge. We will charge you a m6mm FINANCE CHARGE of $.50 for any bhWM period in which PedWIc France Charges of less than $.50 wound otherwise be unposed. Annual Fee. if yourAccouht has an annual fee. i will be billed at the beginning of each anniversary year yourAecart is open. The am0em of the fee appears on the statement when the fee is tiled. The annual fee is not refundable unless younoay us that you wish to dose your Account within 30 days of the mall-ing or delivery date of the statement on Mich the fee Is billed. Yau will receive this refund even it you use you Cad during hal period. Perlock Finance Charges. We sat your transactions Into groups of purchases, cash advances, and balance transfers aid ten further sort the transactions wAhn each group by he`Annual Pmenla a Rile For was npte, puchases subject to a ponotonal rate and purchases subject to a standard rate wand be separale groups. We refer to these groups as 1ta Kft cabgories. At the and o(enh tiling period, we corlpUle balaras and periodic Finance Charges for each daydthe bfling period for each transaction category. We use the faiewng equation to compute Period-rc France Charges for each transaction category (Average Daly Betake) runes (days in biting phrtod) We; (Daily Periodic Rale). You may rater to the Finance Charge Surnnary on you billing statement for these amounts. Then we add up the Periodic Finance Chagas kr each transaction category to get the oW Periodic Flllake Charges for your Account. The Average Daily Balance ie slows as zero it, because of he grace period no Periodic Finance Chmp apply to the baiahcgin a transaction category. The Daly Periodic Rate Is 1I36M of the corresponding Annual Percentage Ras. We use the Average Daly Balance (Including new transactions) method of caMdd%the balance upon which we knpose Periodic Finance Chagas. We canpule the Average Deity Betake lor each transaction category by addsng hp all the daily balances in a billing period for a transaction category and dividing he tidal by me comber of days in Me billing period. We eorfpWe line dphly balance for each trmsacton category on each day by first adding the folk wnirg to he previous days daily balance: Transactors vA a Transaction Data of that day as sham an your Idling defaming, unless the transaction is pasted to yourAccaot efler the close of the tiling period in which it occurs, in 41ch case the trasecton will be added to the daily balance as of tM lent day of the biting period in which i is posted to your Account, fees d w* that day and Periodic France Charges accrued an the previous days daily balance; and by hen subtracting any credits and payments that are appled aganstthe balace of the transaction category on mat day- In calculating the dally balance for the first day of the Mng period, we consider tne'prekious day's daily balance to have been you balance or each trarsadion category on One last day of your wevious bang period. Al fees charged to yourAccoum are added to the standard purchase trwr eadtorn category with the exception of Cash Advance Trasactm Fee Finance Charges which are added to the applicable cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to he applicable balance transfer transaction calegory. For TOO (Telecommunications Device for he Deaf) esaistance, please call I- 47.7449. Decover may morAm andfor record telephone cakabfteeryobadDiscover representativesforquality esskrahoepurposes. 02010 The D>isscav r' cad Is Issued by Discover Bank Mende FDIC PA0210 DISCOVER It pays to ERNEST SOUDER DISCOVER Account number ending in 7:733 page 2 of 2 Finance Charge Summary Nominal Other D ge l P ANNUAL ANNUAL Periodic Fee a y e i odic PERCENTAGE PERCENTAGE FINANCE FIN S current billing period? 31 days Balances Rates RATES RATES ? Purchases $7,270.78 0.04723% 17.24% V 17.24% $106.45 $0 Cash Advances $2,399.62 0.06573% 23.99% V 23.99% $48.90 $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 now 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 Applebee's(R). Redeem $45 Coshbock Bonus for a $50 Applebee's gift card. Questions? Visit www.Discover.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER New Balance Minimum Payment Due Account Number ending in 7733 $9,599.58 $192.00 - Enter Amount Enclosed Below DISCOVER Payment Due Date April 5, 2010 Please pay online 0 www.Discoyer.com or make check payable to Discover. 10 SDSN6A01 0008167 Tired of buying stamps? G) mobile! Make ERNEST SOUDER and schedule payments from your phone 2607 WALNUT BOTTOM RD with the Discover app. It's fast and it's free. CARLISLE PA 17015-9329 Download now atdscover.coln/apps PO BOX 71084 llltrsllrrIrrrlliIiiilrloll CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? (uA. Go to www.Discovercom or print change in space above. 000001986458892145109095995800200000019200 opening vote: reDruary 1 Ir AV Iv • '.robing vase: mai Discover More Card Account Summary Account number ending in 7733 Previous Balance $9,602.13 Payments And Credits 200.00 Purchases + 57.56 Balance Transfers + 0.00 Cash Advances + 0.00 Finance Charges + 139.89 Other Fees t + 0.00 New Balance 9,599.58 See Finance Charge Summary section following transactions for detailed APR information Credit Line $10,000.00 Credit Line Available - $400.00 Cash Advance Credit Line $5,100.00 Cash Advance Credit Line Available $400.00 I You may be able to avoid Periodic Finance Charges, see the 1 reverse side for details. t See transaction detail for a description of any fees Cashbook Bons" Anniversary Month January Opening Cashback Bonus Balance $ 76.58 New Cashback Bonus This Period + 0.14 Cashback Borws Balance $ 76.72 To loam more, log in of www.Discover.eom and wlecl Rewards 3 Easy Ways to Contact Us Manage Your Account Online at www.Dlswver.com 1. Access your account securely at www.Discover.com 2. Call 1.8006DISCOVER (1$00.347-2683 ® d h Di Pl ilable 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 hansactions . ava scover car ease ave your 3. Write to us at Discover, PO Box 30943, Make your money worth moresm-find easy ways to earn Salt Lake City, UT 84130 and redeem cash rewards For MD (Telecommunications Device for the Deal) NEWI Access your account securely through your assistance, please call 1.800.347.7449. mobile phone Transactions Trans. Poo Date Date Payments and Credits Feb 25 Feb 25 PAYMENT - THANK YOU $ -200.00 Supermarkets Feb 13 Feb 13 BB'S GROCERY OUTLET - NEWBURG PA 57.56 See reverse side. DI ~ , Iz bvpotard Irdormatim If tee is more than one page to this billing statement, see the back of each page for additional in>pabnt information. cn See your Cartnember Agreement Your Ca dmemberAgreement contains all the terra of your Account z Lod or stolen cards. Report immedialelyt Call 1.80x347.2683. > a 0 Bill ing Rights Summary. In Case of Errors or Questions About Your Bib: f you thank your bill is wrong, or if you need more information about a trrinssaction on your bill, write to us on a g separate street of paper at discover, PO Bonk 30421. Sell Lake Cly, Ur 84130-0421, as soon as possible. We must hear from you no later than 60 days at* we sent you the first bill on e which the error or problem appeared. You can Weplume us, but doing so will not preserve your rights. In your letter give us the following information: Yohrname and Acoont number. ? The dollar amount of the suspected wor. Describe the error and wplem, If you can, why you beleve there is an error. If you need more information, describe the Them you are unsure about You do not have to pay any emam in question able we are investigating, but you are sill obligated to pay the parts of your bill that are not in question. While we investoe your question, we cannot report you as delinquent or take any action to collect Me arthoont you question. Special Rule for Credit Card Purchases: If you have a prdYein wilt to quality of goods or services that you purchased with a credit card. and you have bled in good lath to correct the problem with the merchant, you may not have to pay the remaining amount due on the goads or services. You have this protection only wherh the purchase price was more than $50 and the purchase was made in your hone stare or wft 100 miles of your mailing address. (U we own or operate the merchant or if we mated you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Send only your paprerd and the top portion of this statement in lire envelope provided. Do not send cash. By sending your a" as described above, you authorize us to use information on your died b make en electronic furid transfer from your eceourA at the frhan ial inditUGan Indicated on your dhack or to process the payment as a clack lransacAon, t payment is processed as an efectrefllo fund Irerister, the transfer will be for the amount of the cheek. When we use Womlation from your check to make an electronic fund transfer, finds may bew tdrawn from your ammotas soon as the same day we receive your paymeK and you viii W receive your check back from your tinancal tslstibslon. The protessiv of your payment may be delayed t you send cash, correspondence or oter items with your paymerd, Uyou send the payment b any otBr address or it you use an envelope other than the one provided. Payments mosived in proper form atou prooessirg fac8ly, by 5PM local time on any day vA be credited to yourAccoual as of lhatday. Payments rocel ed at cur procenirg tatiMly slter SPM local tune Yin be traded loyo rAccount as of the next day. If you have miliplaced your envelope, sand yor psymerht to Discover, PO Box 6103, Card Stream. IL 60197-0103. Please allow 7-10 days for dekrery. Uygur paymentis relumed unpaid, we reserve the rgfl loresubmit it as an electronic debit. You can pay year minimum payment or a greater amount over the telephone, and you can set to automatic payments. Call us at 1.890.3474383. You will need this; Maimed and your bank aceauntinbmhelion. You mud ensure that sutiderd frhds are available in your bank account, and at bansactans must comply with U.S. law. You will be asked to provide the first 5 digs of your sceakul statement ZIP code. By entering those numbers as your electronic signal re, you will be agreeing to this authorization to abut us and your bank to deduct each ' payment you authame from your beck accost, and to intaledebit or cm ft caries b you Desk account as apOkiable, boomed an ens in thou processing dsuch 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 canal a payment; however we ' must rumve, notice at West fuse bunions days in advance of the scheduled payment. You may nobly us by plane at 1NDJ47.2683 or by mail at the address listed in the previous ly s twhen ymr payment will be made and tow much it will be. Your automatic payment around may paragraph. v will W m on each ary In *A we ba sed era an the or be less t payments applied disi g the Wig cycle. monthly statemerA Credit Rgmrg% We may repo information abed yourAcdount In credit bureaus, late peymevils, mused payments, or other defects on you Account may be reflected n your credit report We normally report the ins and payment history of yourAaco ntto credit reporting agencies each month. 0 you believe that our report Is Inaccurate or incomplete, please write us at the tdbwhV address: Discover PO Bonk 15316, W3nrirgton. DE 19850.5316. Please include your name, address, home telephone munber and Account number. Gram Period on Purchases (d leant 23 days). We begin to (pose Periodic Finance Charges w all tranreaoUOns from the Tramssacton date forthe transaction shown on your billing statertoenL>»Ifa? atraroacton is posted byau RuwM alter the tdOSa of the bitting period in whicD t oauB, in wtach casowo begktlo impose Periodtic F'fnanceCharges on tthat transaction from lire rant day of the billing period in which it is posted to your Account. We continue to Impose Periodic Finance Charges until the data you parr your entire New Balance d- On your billing datement by making payments or receiving credds. However, t you pail the New Balance on your previous biting shdterr irht by the Payment Due Date shown on that billing statement, we will not impose Periodic Finance Charges on new purchases, Mat is. purchases first appearing on the arrent bBirg stelemed, our any palm d a new purchase. paid by the Payment Due Dale on your current being alatemerd. We cat this Me'grace period' There is no grace period on balance transfers or cash advances. As more fYly described in the section of yaw Cardmember Agreement tited'How V% Apply Payments; m generally apply partarits to ymAccount based on the NaW Pd me4e Rate applicable to the balance of each transaction category. This means that if you do not pay the Now Odanoe on the anent being stalemerlf by the Payment Due Dale shown on that b4iig statement, t her, drpen8rg on the amount of yaw payment and theAorual Percentage Rates on other balances, you may not get a grace Period on new purchases. Wrtbwm Finance Change. We will charge you a minnmm FINANCE CHARGE of 4.50 for any bifrg period in which Periodic Firarlce Charges of less than 5.50 would otherwise be imposed. Annual Fes, If your Amount 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 ire statement when the fee is bated. The annual fee is not refundable knfess you natty us that you wish to close your Account within 30 days tithe mailing or &Avery date of the statement on which the fee is billed. You will receive this refund even if you use your Card during that period. Ptalmk Fimince Changes, We sal your transactions into groups of purchases, cash advances, and balance transfers and Ow further sort the transactions whin each group by trek Annual Percentage Rate. For example, purchases w*d to a promotional rate and purchases subject to a standard rate ward be separate groups. We refer to these groups as transaction categories. At the eel of each billing period, we compute balances and Periodic Finance Charges for each day of the biting period for each transaction category We use the' followng equation to compute Periodic Finance Charges for each transaction category: tAverageDaly Balance) Beres (days in billing paled) fees (Daly Periodic Rate). You may refer to the Anance Charge Summary on your biting statement for these amounts. Then we add tip the Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges for yeuAccount TheAveage Daly Balance Is shown as zero U, because of the grace period, no Periodic Finance Charges apply to the balance in a transaction category The Daly Pedodic Rate is 11365th tithe canaspahd ngArrroat Percentage Rate. We use fie Average Daly Balance (ncud erg now transactions) method of calculating to balance upon which we impose Periodic Finance CAarges. We compute theAverage Daily Balance for each transaction category by adding up at the daily balances in a bung period for a tarhsactm category and "Ing the total by Me number of days in The bating period. We oanpkde the daily balance for each tramacion category on each day by frst adding the ktowarg to the previous day's daily balance: transactions wish a Transaction Date of that day as shown on your biting slete nerd, unless the irensacim is posted to your Account after the dose dine billing period in Mich it occurs. in which use the tansacfion w Il be added to the dally balance as of the fit day of the billing period in which A is posted to your Account, fees charged that day and Periodic France Charges accrued on the previous day's daily bala", and by than subtracting any credits and payments Mat are applied against the belence of do transaction category on bat day. In calculating ere daily balance for the fBf day of to DtFlg period, we consider the Vefto days deify batanee'to have been your balance for each transadlon category on the last day of your previous billing period. Ali fees dmarged to your Account are added to the standard purchase transaction category with the e>dception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance tra sactim category and Balance Transfer Transactm Fee Finance Charges which are added to ire applicable balance transfer transaction category . For TDD (7sacommmiWions Device for the Deal) aesidanm, please tali 1110x347.7449. Discover may "for endlor record telephone cis between you and Discover representatives for quality assurance purposes. ®X010 The Disooveecard is issued by Discover Be* Member FDIC PA0210 DISCOVER a pays ru ERNEST SOUDER Account number ending in 7733 DISCOV ER page 2 of 2 Finance Charge Summary Nominal Other Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE current billing period: 28 days Balances Rates RATES RATES CHARGES CHARGES Purchases $7,185.34 0.04723% 17.24% V 17.24% $95.02 $0 Cash Advances $2,437.82 0.06573% 23.99% V 23.99% $44.87 $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 a $25 Bed Bath & Beyond gift card. You're going places. Make sure your savings are, too. Discover Bank provides the stability you want, rates that have consistently beat the national average, and security through FDIC insurance, up to $250,000 per account. Open a CD, ERA-CD, or Money Market account at DiscoverBank.com or by phone at 1-888.728-3212. Please mention code MSG0310. Questions? Visit www.Discover.com or call 1-800-DISCOVER (1-800-347-2683). DISCOWER DISCOVER New Balance Minimum Payment Due $9,635.37 $193,00 Payment Due Date May 5, 2010 10 SDSN6A01 0008168 ERNEST SOLIDER 2607 WALNUT BOTTOM RD CARLISLE PA 17015-9329 Account Number ending in 7733 Enter Amount Enclosed Below $ Pay online at www.Discover.com or make check payable to Discover. Phone and internst payments must be made by 5:00pm ET For same day posting. Tired of buying stamps? Go mobilet Make and schedule payments from your phone with the Discover app. its fast and it's free. Download now at discover.com/apps Po Box 71084 III III III Ise Bill IIIIsII1I11 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Go to www.Discover,com or print change in space above InIIIInInrlrllullnlrlnrllllnrlnlulullululltlalull . 000001986458892145109096353700200000019300 *ening Date. March 11, 2010 - Casing Date. Discover More Card Account Summary I Account number ending in 7733 Previous Balance $9,599.58 Payments And Credits 200.00 Purchases + 80.00 Balance Transfers + 0.00 Cash Advances + 0.00 Finance Charges + 155.79 Other Fees t + 0.00 New Balance 9,635.37 See Finance Charge Summary section following transactions for detailed APR information Credit Line $10,000.00 Credit Line Available ..... .............$36A.00 Cash Advance Credit Line $5,100.00 Cash Advance Credit Line Available $364.00 You may be able to avoid Periodic Finance Charges, see the reverse side for details. t See transaction detail for a description of any fees charged. Cashback Bonus° Anniversary Month January Opening Cashback Bonus Balance $ 76.72 New Cashback Bonus This Period + 0.20 Cashbadr Bonus Balance $ 76.92 To learn more, log in as www.Distover.com and select Rewards 10, 2010 page 1 of 2 Payment Information New Balance $9,635.37 Minimum Payment Due $193.00 Payment Due Date May 5, 2010 tote 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 22.2.1% 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: Only the minimum 37 years $50,836 Payment $353 3 years 1 avinas - $38.1251 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.corn 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, poy Please have your Discover® card available. bills online and easily track all transa&m 3. Write to us at Discover, PO Box 30943, Make your money worth moresm-find easy ways to earn Salt Lake City, UT 84130 and redeem cash rewards For TDD (Telecommunications Device for the Deal) NEWI Access your account securely through your assistance, please call 1.800-3A7-7449. mobile phone Transactions Trans. Post Date Date Payments and Credits Apr 2 Apr 2 PAYMENT - THANK YOU Gasoline Mar 22 Mar 22 HESS 38255 HARRISBURG PA $ •200.00 80.00 See reverse side. DI Y Important inkrmation. tome is more than one page to Ok KM statement, see the back of each page tor addaiatal important information. See your CardmemberAgreement Your CardmemberAgreement contains all the tents of your Account. Lost orstolen earda Reportimmediately! Call 1800.347.2583. Siting Rights Summary. In Case of Errors or Ouesliors Abed Your Bill: If you wink your bib is wrong. or If you need ime information about a transaction on your bili, write to us on a separate sheet of paper at Disoover, PO Box 30421, Sall take fSy, UT 841304421, as soon as possible. We rrusl hear from you no later than 60 days after we sent you the fist bill on wtddh to error or problem appeared. You can telephone us, but doing so v iR not preserve you rights. In your Wler, give us the" ing !nfo rminion: Yourname arts Amountnumber. The dollar amount of to suspended error. Describe tie error and o plan, Oyou can, vhy you balm there is an error. 9 you need more irdormatim describe the aeon you are unsure about. You do not have to pay any amount in question while vie are investigating, but you one still abigaled to pay the pads of your bill that are nol in queslim While we investigate your question. we camel report you as de&tquard or Wm any action b odW the amount you question, Special Rub for Credit Cud Purchases: If you haw: a problem Willi the pAy of goods or services that you purchased with a credit card, and you have tried in good "b correct the prahtem with the m amh ont, you may not have to pay ft remaining amount due an the goods or services. You have We protection only when the purchase pike was more than 1150 and rie purchase was made in your horse stale or whin 100 rides of your ma lim address. (If we on or operate the merdhau, or t we maid you the advertisement for the goods or services, all purchases are covered regardless, of the amaW or location of porihase.) Payments Send only your payment and the top pion of ft statement in the envelope provided. Do not send cash. By sending your dock as described above, you a ftirize us to use information an your check to make an electronic fund Irarsfer Gann you account at the kroncial hrstilu6m indicated on your check or to process the payment as a check transaction: t payment is processed as an electronic fund! transfer, the transferwil be lir the amount of the cheek. When vie use hfarmetion from your check to make an elechonk treat transfer, funds may be wAidirown atom your account as soon as the same day we receive your payment, and you will not receive your check back from your biaxial institution. The processing of your payment may be delayed tyou send cash, eorresponderm or oft Terre with your payment, t you send the payment to any other address or if you use an envdW other Oran the one provided. Payments received In proper fpm at our processing boliy by 5PM local time on any day will be credited to you Amount as or that day. Payments reoeivedat owprooemkhg heft e1az5PM balm will be credited to your.A ooudas.of d* asidday- O you have misplaced you enveiopa, mhd your payment to D4wvu,.PD Box. 6103, Card Sheen, IL60187$103. Please allow 7-10 days tip d1dwy. If yourpayment s rationed unpaid, we resen a the rghtto rest&& t as an etecGONc debit. You can pay your minilmum paymenta a gm80bf 8nlarahl over th8 Wephow and you can setup attprelc payments, Cal us at I-WO 7.2683. You will need this statement and you bank amount kdamhatlah. You met ensue tat sultdwd lands are available In your bank axxthex, and and tersaelfats mustconply with U.S. paw. You will be asked to provide ft first 5 ftb of your accourtstaferrent ZIP code. By sat 11how motors as your dedrork signeWm you vat! be agreeing 10 this autattalion to dour to and your be* to deduct each paymentyouauthorize tomyour bar* a000unt,andtoIYtiWedadaorcredientmtoyourtankamount. asapple",tow, anerrorintheprocessingofsuchpayment.Youmust; tit us fhe 81 o.vfl d each pepmerttoryw roan select as wvA suds 58 tro M mmum Pap w Due a the claw Balance ph each statement. You can owow s payment; ht>rueverwe mustreceive nonce W lent twee busker s days in advance dtte scheduled payment. You may n* is by phone at 1.800347-2683 or by mail at to address bled in like canvas paragraph. M your payments wry in amount, war will tell you on each mantldy stetathentwAen your payment wit be made and how much twill be, You automatic paymenl amount may be less tech indicated an the no" staterent based on txed43 or payments applied during the Mktg cycle. Credit Repontmg. yYe may Feport irdamatoh about yourAceosito as& bureaus. Late payments, missed payments, or other defarlls on your Account may be reteced in your credit report atOhefaft nomidy report to status and to add :Discover,POBox15316. payment hWW of ftnIkgm, DIE tt8SM16.Pone khdh?deyeyewname, adder hombelieve that e telephone our nuumbberendAccounus number. Grace Perlod on Purchase ; (d bast 25 days. We bepn to appose Periodnc Firenze Charges on al transaction from to Transaction DaWfa the transaction shown on you Wing do Vamacfonkorie a theheblingperiod nwhich it sposted toyour Account. Wecatkueb?mposePPeriockRuinceCharges ung!Me do you pay your ardirs Now Balance a1gYm on your MV eWA= tbymekkrg paprer& a reosift 010118. ilowever, 4 you paid to New8dawe an your previous billing staerneM by to Payment Due Dais shown on that billing statemenivie will not Impose Pndodic Finance Charges on new purchases, phut s, purchases rest appearing on the current bRV statement, or any portion of anew purchase, paid by to Payreht Due Oafs an yo xcum nt bft statement Wean We tit Vrece pxarlod: There Is no grace period on balm tansers or cash advances-As more fafi doseribedinOose*nofyouCapoltiemberAgreemnttted'HowWeAp*paymerhb, wapn *applypayments toyourAccoiadbased cn#*AvKWPeroentageRate applicable b Ohsbsioncedeach Orahsaetiahcategory.Themeens ghatYyou do not pay the New Balanceon Oocunentbirg stalementby dhe PaymentflueDate show on tatbung statemment, than, deperling M pia ettaamt d your paylloM and ffheAnmep Percentage Ralles on dlherbalances, you may not gM a! pew on new pmdtases• Minh mn Finance Charge. We ell rdorge you a mmtlrum FINALE CHARGE of $.50 for any biting pedal in which Petiodc Finance Charges of less than $.60 would otherwise be n4ouad. Anred Fee. If yewAo=W has an annual fee, i will be billed at the beginning of each anAwsary year your Account Is open The amount of to fee appears on to statement when the fee is . The annualfees sot nafrudabe unless you no* us cal you wish inclose yourAccaurt w h 30 days of to mailing or dehuy dale of the statement on which the fee is bled. You *0 nee" ris retuad even if you use your Card during that period. Perbdk Fhgrwo Charges. iNe sort your ka sactons into groups of purchases, cash advances, and balahcetransfers and Oherh kuther sort the transactions vdriah each group by tokn W Percentage Rate. For example, purchases subject to a promoficnal rae and purchases suf>fec to a standard rage would be separate groups. V% refer to these groups as Wnsa*n ca juries. At Ote end leach billing PWA we ampule bBWM any Periodic Finance Charges for each day cite billing period for each broaCbon calego y. We free to blovring equator to compute periodic Finance Charges for each transaction ategory: (Average Daly BWarca) Imes (days in WV pedod) Imes (Daffy Periodha Rale). You may reer to to Finance Charge Summary on your b't41g staement for Obese an ourhts. Then we add up the Periodic Fahance Charges for each transaction category ioget the total Periodic Rom Charges fort' urAccoum. The Average Daily Balance is slhoret as zero 9 because of the grace period, no Periodic Fiance Charges apply to the batauo in a ftUCtpr mWM. The Dailyftlale Rale is 1f365th of rie mmespondlgAmmal Percentage Rae. We use to Average Daly Balers (mcl tiding now transactions) method d calculating tro balance upon which we lit pose Pedodk: Finance Charges. We campue the Average Daily 8slnm for each *wooden ealle" by a" up all the daily balances in a billing period for a bmaceon category and dv ft the lotai by to number of days in The hint period. Wecopulathe ddy balm for each Gansactiorn category on each day by lust ad ft the folov Yg he the previous days (lady bWa>ce: transactions with a Trasedion Dale of riot day as ft m on your big shlemhent unless the transaction is posted to your Amount alter the does ditto NOV period in W*h It owes, In *ft case the lrdnsa0lun wM be added. b One dally b Ir as of the first day d ft burg period in which 0 is pasted to ywrAcco nt, fees tdharged Way end PerID& Finance Charges awned on lie previous days dally befarprz„ and by thsa uttb mfr any aelts art pe ne* riot are applied agairstt w b*ra d the Iuoaofion category onthat day. h aladating the loll bW mca for dw rnt day of to billing peded, we consider the VevbA days daffy beiance'to have been your balance t r each tarsaidon category on the Iasi day of yam previous billing period. Al to charged to yourAownt we added to Be standard purchase bansacl on aegory with the smaptlon of Cash Advance Transaction Fee Fiance Charges which are armed to the applicable cash advance sac6on mlegery and Balance Transfer Transacim Fee Finance Chagas which are added to the applicable balanoetrarsfer basaalon mlegory ForTOO(T uernicalionDeWafortheDeaQaalstanrA pleasecall 1.800347.7449. Dsciewmay mamba andAx record telephone tags between you and Discover representatives for quality assurartce purposes. ®2010 The Oisomv r*card is issued by Discove Bank, Mernber FDIC PA0210 i DISCOVER tt pays to ERNEST SOLIDER DISCOVER Account number ending in 7733 page 2 of 2 Finance Charge Summary Nominal Other Average Daily ANNUAL ANNUAL Periodic Fee ily D Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE current billing period: 31 days Rates RATES RATES CHARGES COGS Purchases $7,188.80 0.04723% 17.24% V 17.24% $105.26 $0 Cash Advances $2,479.67 0.06573% 23.99% V 23.99% $50.53 $0 V = Variable Rate Information For You This month, the featured Cashback Bonus(R) Redemption Partner is Bed Both & Beyondp). 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. A Discover(R) gift card is an easy gift Mom will love. Personalize Mom's gift card with a name and message. Even get FREE shipping. Visit DiscoverGiBCard.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 QueSfiOnS? Visit www.Discover.com or call 1-800-DISCOVER (1-800-347-2683. DISCOVER t DISCOVER New Balance Minimum Payment Due $9,856.58 $198.00 Payment Due Date June 5, 2010 10 SDSN6A01 0008169 ERNEST SOUDER 2607 WALNUT BOTTOM RD CARLISLE PA 17015-9329 PO BOX 71084 Illrr,llrrrs„Illl,rrl,l,rl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? lr,lellulr,tltlltulr,III pill lllnIlulttl„II„Ir,lerltlull Go to www.Discovercom or print change in space above. 000001986458892145109098565800200000019800 Date: April 11, 2010 - Closing Date: Discover More Card Account Summary Account number ending in 7733 Previous Balance $9,635.37 Payments And Credits 200.00 Purchases + 269.61 Balance Transfers + 0.00 Cash Advances + 0.00 Finance Charges + 151.60 Other Fees t + 0.00 New Balance 9,856.58 See Finance Charge Summary section following transactions for detailed APR information Credit line $10,000.00 Credit Line Available -- - -- -- - $143.00 Cash Advance Credit Line $5,100.00 Cash Advance Credit Line Available $143.00 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 Cashllaclt: Bonus° Anniversary Month January Opening Cashback Bonus Balance $ 76.92 New Cashback Bonus This Period + 0.66 Cashback Bonus Balance $ 77.58 To learn more, log in of www.Dkwver.com and select Rewards 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 Discovers card available. 3. Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800.347-7449. Transactions Trans. Post Date Date Payments and Credits May 2 May 2 PAYMENT - THANK YOU -200,00 Merchandise Apr 23 Apr 23 TARGET CARLISLE PA 37.90 May 6 May 6 TARGET CARLISLE PA 71.97 May 6 May 6 WALMART SC - #5358 SHIPPENSBURG PA 79.76 May 7 May 7 DEALS 3A 31 00034314868 CARLISLE PA 60.00 Home Improvement Apr 30 Apr 30 LOWE'S OF CARLISLE, PA CARLISLE PA 19.98 Account Number ending in 7733 Enter Amount Enclosed Below Pay online at www.Di3cover.com or make check payable to Discover. Phone and internet payments must be made by 5:00pm ET For some day posting. Tired of buying stamps? Go mobHel Make and schedule payments from your phone with the Discover app. Its fast and irs free. Download now at discover.com/apps $9,856.58 $198.00 June 5, 2010 Minimum Payment Woming: If you make only this minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: Manage Your Account Online at www.Discover.com Access free online took like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth morew-find easy ways to eam and redeem cash rewards NEWI Access your account securely through your mobile phone See reverse side. DISMR If you would like information about credit counseling services, call 1.800.347-1121. Important kdonnalioa If there is more than one page to this biting statement, seethe back of each page for additional important information. o See your CardmemberAgreernem. Your CaMmember Agreement contains all the lmrrs of your Account. Z Lost or stolen cards. Report iacedstety! Call 1-0W347.26ft3. M D o Billing Rtghis Summary. In Case of Enos or C ueWons About Your Bit: tyou think your bill is wog, or t you need more information about a transaction on your bill. write to us on a o separate street of paper at Discover, PO Box 30421. Salt Lake Chy, UT 84130-0421, as soon as possible. We must hear from you no later than 60 days after we sent you the fast bill on °o wth dh the eroror problem appeared, You can telephone us, but doing so will not preserve your rights. In your later, give us the followwig information: CD Your rrarrre and Accamt number. The dollar anohmt afthesuspeded error • Desabe toe error and explain, N you ran, why you believe tlrere b an error. t you creed more information, describe the item you are unsure alrout. You do not have to pay erry mount in gkneOm while we are iivestgatrg, but you are all obligated fo pay the pails of your bit that are not in question. Wide we iwesVate your question, hoe cannot report you as delinquent or take any action to collect the amount you question. Special Rule for Credit Card Purchases: If you have a problem vdtr the qj* of goods or services that you purchased with a credit card, and you have tried in good faith to correct the p oble n with the merchant, you may not have to pay the remaining amount due on tie goods or service& You have this protection any when the purchase price was more than 550; and the purchase was made in your hone stele or within 100 miles of your mailing address. (t we am oroperate the merchant, or if we mated you the advertisement for the goods or services, ail purchases are covered regardess of the amount or location of purchase.) Payments. Send only you payment and the top portion of this statement In the envelope provided. Do not send cash. By sending your check as described above, you authorize us to use Wormalion on yahrchedk lomake an electronic lend barsfeifrom youraccount at the fnancial imiftion indicated on yor rheGk orto p recess the payment as a check transaction: If payment is processed as an electronic fund Water, the transfarwit be for the mart of the check. When we use information from your check to make an electronic kind transfer, . tends may be withdrawn from you account as soon as the same day we receive you payment and you will not receive your credo back from your financial institution. The proessi%of your payment may be delayed if you send cash, co aspakdence or other items with your payment 4you send the payment to any other address or 4 you use an envelope other than the one provided. Payments received In proper form at our proosasing facility by 5PM bat low on any day will be credited to your Account as of got (by. Payments received at our processing facility aterSPM local time wtl be oaditeddo your Acooctrm as tithe nerd day. t you Ihava misplawd yaw envelope, will your paymhent to Discover, PO Box 6103, Carol Stream, IL 801974103. Please slow MO days for de6ven! H your payment is retumed unpaid, we reserve the right to rest bmil it as an eie&o* debit. and you can set up automatic payments. Cant us at I-M347.2683. You will need iris statement and you You can er minimum m art or a greater ro amou bank or nt information. r that nt funds are available in you be* account, and aft transactors must comply with U.S. law. You will be asked b provide the fast You 5 dgib of your account sdlersm TIP code. By entering two numbers as your electronic agnat rt you will be agreang to this atedwirar" le allow us and you bank to deduct each paymemyou ahdhorue from your be* account, and to hitale debit or credit entries to your bank account as applicable, to caned an error in the proc ssing of such payment. You mil tat us the arms! of each payment or you can select an amount such as lire Miriam Payment Dos or the New Balance on each statement. You can cancel a payment however we must receive rwtce alleast three business days in advance of the scheduled payment. You may ndty us by phone at 1.800.347-2683 aby mat at rte address bsed in the previous paragraph. If your payments vary in amount, vie will fell you on each ma" statement when your payment wit be made and how much It will be. Your automatic payment amount may be Ins than indicated on the monthly staterient based an credls or payments applied during to bang cycle. Credit: Reporting: We may report information about WAccount to coact bureaus. Late peymmY,%missed payments. or other defaults on your Account may be retected in your credit' report. We normally report the stabs and payment history of yourAmount to credit reporting agencies each month. N you believe that our report is inaccurate or incomplete, please write us at the following addree is Discover. PO Box 15316, Wirningto n. DE 19850.5316. Plesse include your name, address, horse telephone number and Account number. Grace Period on Purchases (at Imt 25 days). We begin to impose Periodic Finance Charges on at tramaceors fran the Transaction Data for the transecton shown on your biting statement unless a trauecaofn Is posted to youuAccamt after the dose of the billing period in whits t occurs, in which case we begin to impose Periodic Finance Charges on that transaction from tie fist day of the tutting period in which it is posted to youfAccounl. We continue to Impose Periodic France Charges until the" you pay your entire Now Balance shown on you bli g sfatanem by making payments or receiving credits. However, 4 you pakt the New Balance on your previous billing sWemem by tee Payment Due Date shown on that Wig sblanahl, we wl not impose Periodic Finance Charges on new purdsses, that 1% purchases fret appearing at the anent biting statement or any portion of a new purchase. paid by the Payment Due Date on your current filling slaiernent. We cat this tke'gmce perbd.' There is no gate period on balance transfers or cash advances. As more kdy described in the section of your CardrnonberAgreement tiled How We Apply Payments, we genemiy apply payments to yourAccou t based on the Annual Percentage Rate applicable to the balance of each transaction category. This means 9* 9 you do not pay the New Babb on the current blig stalemen(by lire Payment Due Date shown on that billing statement thi m, depending an the amount of your paymanl and theAnnuat Percentage Rates on other balances, you may not get a trace period on new purchases. Minimun Finance Charge. We will charge you a minimum FINANCE CHARGE of $M fo any bang period in which Periodic Finance Charges of less than 5.50 woad otherwise be Irposed. 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 tee appears on the statement when the fee is bored. The annual fee is not refundable uriess you notify us that you wish to dose your Account within 30 days of the mailing or deiwery date of the statement on which the fee is talked. You ail receive this refund even if your use you Card dung that period. Periodic Finance Charges. We sat your transactions into groups of purchases. cash advances, and balance transfers and then further sot the t ansactors within each group by their Annual Pereardage Rafe. For example, purchases subject to a promotions rate and purchases subpd to a standard rate would be separate groups. We refer to these groups as transaction eelegories. At the wnd of each bitig period. we compute balances and Periodic Finance Charges for each dayof the biking period foreach transaction category. We use the fctowkg situation to compute Pedatc Finance Charges for each transaction category: (Average Daly Balance) times (days in bityrg period) times (Daily Periodic Rate). You may refer fo the Finance Charge Summary on your biting statement for these amounts. Then we add lip the Periodic Finance Chagas fa each transaction category to get the total Palo* Finance Charges for yourAcooi nt TheAverage Daly Balance is shown as zero 4, because of the grace period, no Periodic Finance Charges apply to the balance in a tansaeson ategay. The Daily Periodic Rab is 1/365tr of Be corresponding Arnual Percentage Rate. We use the Average Daly Balance ("killing new transactors) method of eta W" the balance upon which we impale Periodic Finance Charges. We compute the Average Daly Balance for each transaction cal" by addxm,) up at the daily balances in a blig period fora Imsacton alegay and dividing the total by the number o(days in the billing period. We compute the daily balance for each transaction category on each day by first adding the following to the previous day's daffy balance: transactions vrah a Transaction Daft of that day as shown on your billing ataternanl, areas the transaction is posted to your Account after the close of the blwg period in which aoccurs, In which case the transaction will be added to the daffy balance as of the fret day of the bung perbd In which 4 is posted to yorAccount, tees charged that day and Periodic Finance Charges accrued on the prey ours days daily balance; and by fret m tactrg any credits and payments that are applied against the balance of the transaction category on that day. In calculating toe daily balance for the rust day of the biing period, we consider the 'previous day's dally balahee' to have hear yaw balance for each transaction auegory on tw last day of you previous billing period. Al fees darned to your Account are added to the sladard purchase transaction category with the exception of Cash Advance Transaction Fee Fmnce Charges which are added to the applicable cash advance transaction category and Balance Tran sW Transaction Fee Finance Charges which are added "a applicable balance transfer transaction category. For TDB (Telecommunications Device for the Deal) assistance, pleas at 114M347.7449. Discover may morritor acdfor record telephone calls between you and Discover reprrserhtatves for quality assurance purposes. 02010 The Discover° card is issued by Discover Be* Member FDIC PA0210 DISCOVER L6PI-7s-ex-EL ERNESTSOl1DER Account number ending in 7733 page 2 of 2 Finance Charge Summary Nominal Other Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE current billing period: 30 days Bolan ces Rates RATES RATES CHARGES CHARGES Purchases $7,189.80 0.04723% 17.24% V 17.2A% $101.87 $0 Cash Advances $2,522.01 0.06573% 23.99% V 23.99% $49.73 $0 V = Variable Rate Information For You 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/identitytheftprotection to learn more or to enroll. 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. Discover(R) gift cards are easy gifts Dads and Grads love. Add a personal touch with a matching gift card and greeting card combo. Even save $2 with promo code GIFU o(DiscoverGiftCard.com through 6/30/10. After 12 months of consecutive inactivity, Discover will begin to assess at $2.50 monthly dormancy fee. Questions? Visit www.Wiscover.com or call 1-800-DISCOVER 11-800-347-2683). DISCOVER ?+ New Balance DI COVER Minimum Payment Due Account Number ending in 7733 $9,513.53 S $191.00 Enter Amount Enclosed Below Payment Due Date July 5, 2010 Pay online at www.Discover.com or make check payable to Discover. Phone and Internet payments must be made by 5;00pm ET for some day posting. 10 SDSN6A01 0008170 ERNEST SOUDER Tired buying stamps? Go moblIel Make and sch hedule payments from your phone 2607 WALNUT BOTTOM RD with the Discover app. It's fast and it's free. CARLISLE PA 17015-9329 Download now at discover.com/apps CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? InItllnlutltllutlnltlntllllntlnlttln?lnlulttltlull Go to www.Discover.com or print change in space above. PO BOX 71084 Ill rrrllrrrrrrllllsrrlrlrsl 000001986458892145109095135300500000019100 2010 page 1 of 2 Vale: may t t, zu to - nosing twlet rune Iu, Discover More Card Account Summary ' Account number ending in 7733 Previous Balance $9,856.58 Payments And Credits 500.00 Purchases + 0,00 Balance Transfers + 0.00 Cash Advances + 0.00 Finance Charges + 156.95 Other Fees t + 0.00 New Balance 9,513.53 See Finance Charge Summary section following transactions for detailed APR information Credit line $10,000.00 Credit Line Available _......._...$486.00 Cash Advance Credit Line $5,100.00 Cash Advance Credit Line Available $486.00 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 Cashback Bonuse Anniversary Month January Opening Cashbock Bonus Balance $ 77.58 New Cashback Bonus This Period + 0.00 Cad"ck Bonus Balance $ 77.58 To learn more, log in of www.Discover.com and select Rewards 3 Easy Ways to Contact Us 1. Access your account securely at www.Discwmr.com 2. _ Call 1-800-DISCOVER (1-800347.268.3) Please have your Discover® card available 3. Write to us of Discover, PO Box 30943, Salt Lake City, UT 84130 For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800347-7449. Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to down your balance securely access state ", pay bills online and easily tracK 611 transactions - Make your money worth moresM-find easy ways to earn and redeem cash rewards NEWT Access your account securely through your mobile phone Transactions Trans. Post Date Date Payments and Credits May 31 May 31 PAYMENT- THANK YOU $ -500.00 See reverse side. DI GCIZ VI ~°. Important Information. If there is more then one page to this biil ing statement, seethe back of each page for additional important information. v See your Cardmember Agreement Your Cardrember Agreement contains at] the terns of your Account Z Lost or stolen cards, Report immediately! Call 14I0W347.2683. m 0n Billing Rights Summary. In Case of Errors or Questions About Your Bill: t you tlntk your bill is wrong, or t you need more information about a transaction on your bill, waile to us on a c separate sheet of paper at Discover, PO Boot 30421, Salt Lake City, UT 84130-0421, as soon as passible. We must hear from you no later than 60 days after we sent you the first bill on °o Mich the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: • Your name andAceountnnmber. p The dollar amount of tine suspeded error. Describe the error and explain, gym can. My you believe there is an emu. If you need more information, describe the item you are unsure abed. You do not have to pay any amount in question wee we are kwestigafing, but you are sit obligated to pay the parts of your bill that are nd;n question. While we investigate yam question, we cannot report you as delinquent or take any action to collect the amount you question. Special Rule for Credit Card Purchases: If you have a problem voih the quality of goods or services that 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 the remaining amount due on this goods or services. You have this protection only when the purchase price was more than 550 and the purchase was made in your home state or within 100 miles of your mailing address. (if we own or operate the merchant or if we mailed you the advertisement for the goods or services, all purchases are cowered regardless of the amount or location of purchase) Payments. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending yours heck as described above, you authorize us to use Womration on your check to make an electronic fund transfer from your account at tie khanclel institution indicated on your check or to process the payment as a check transaction. If payments processed as aneledrorlc fund traftW, the Irans(er wit be for the amountdf the check When muse 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 recdwe your check back from your financial knsBWtion. The Processing of you payment may be delayed 9 you send cash, correspondence or other liens with your payment, it you said the payment to any other address or 6 you use an envelope other than Me one provided. Payma b received n props ram at our p ooemq be ly by 5PM kiwi erne on cry day will be cmdted b yo rA W as d dw&y. Paymems mceivedal our processing facility al m5PM klcal.tme AU aedted toyour Accokmt as of that lhext day. If you have mbplaced you enMW, Sant you payment b.Discoaer,.PO.Bak. 6103, Carol Stream. IL 60197$103. Please allow 7-10 days for delivery t your payment is returned unpaid, we reserve the right to resubrdb it as an eladrddc debt You can pay your minimum payment or a greater amount over tie telephone, and you can set up automatic paymerts. CSI us at 14"7-2683. You vent need the statemerl and your bank amount Information, You must ensure that sulttient funds are available in your bank account, end all bamaotons must comply with U,S, law. You will be asked to provide the first 5 dghs of you account Wriernerd ZJP code. By emeiN those number as your electronic sigaakae, your will be agreeing to this arthatzalion to allow us and your bank to dedid each payment you authorize tom your be* socauM, and to Inhale debit or credit entries to your bank aaohnt as applicable, Do correct an error In the processing of such payment. You must bell us the amount of each payment or you can select an amaanl such ae the Winn Payment Due or the New Balm on each statement. You can cancel a payment; however we must receive rwtce at least toes, business days In advance of the sdieduled payment. You may nogy us by phone at 1-000-347-2683 or by mail at the address listed in the previous in amount, we will tell you on each monthly statement when your t will be nmde and how much it will be. Your automatic payment amount may If th ? e m ahtl dy statement based credits or payments applied dw?g the ? be low than indicated on Credit Report ng, We may report information abed yaw Account to credit bureaus. Late payments, misse ! payrneds, or other defo lls on yourAceaat may be reflected in your credit report ft normally, report the stetrs and payment bsklry of yourAccowt to credit ie" agencies eadn month. 0 you balm that our report is iieodrate or incomplete, pWu write . us at the following address,. Discover, PO Box 15316, Vhhftton, DE 19850.5316. Phrase ndude your name, address, borne telephone number and Account number Grace Period on Purchases (at least 25 days). We begin tow pm Periodic Finance Charges on at transactions from tie Traisa im Date for the transaction sham on your billing stnteme t, unless a transaction is posted to your Amount ater the 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 billing period in which it is posted to your Account. We continue to impose Periodic Finance Charges un i the dale you pay your entire New Balance shown on your billing statement by making payments or recehil g creels. Rowerver, t you paid the New Balance on your previous Wing slalanient by the Payment Due Date shown on ghat billing statement we will rat impose Periodic Finance Charges on new purchasm that is, purchases first appearing an the went billing statement, or any portion of a new pwchale, paid by the Payment Due Date on you current WI'ng stetemed lVe cat lids Ihe'graee period.' There is no grace period on balance Wamters or cash advances. As more ilry desctDed in the s scion of your CadmemWkrAgreemeM titled How MkApply trayarheanls' we gahera0y apply payrtnahs W year AcoouM based on 1heAnnual Percentage Bate appicable other bdaroe of each Vansacion category. Tins monm Ihnal'd you do rotpey the New Bdaoe on the current bang staermnernl by the Payment Oue Date athrnm an that being starenient teen. depeMrg on the amamt d your payment and IheAnnual Percentage Rates on other balartces, you may notgnt a grace period on new purchases. fiinimum Finarses Charge. Nte vii d haige you a m inks nFINANCE CRARGE d $,50 for any bung period in which Periodic Fliom Chu" Bless anon $.56 v *A otherwise be Imposed, Annual Fea If yourAccard has an anrwW IN. it win be billed at the beginning of eadn anniversary year yourACCOUd is open. The amount of the fee appears on tie sla amant when the fee is bled: Tine annual tee snot?-Wable unless you notify us tral you wish to dose yqurAtcant w9hin 30 days dthe mailing or delivery date of the statement on which the fee is tilted. You will receive this refund even it you use your Card during that period. Periodic Finance Charges. We sort your tamactas into grails of purchases. cash advances, and balance transfers and then further sort the transactions within each group by their Annual Percentage Rate. For example, purchases su*d to a promotional rate and purdhases sub(ed to a standard rate world be separate groups. We refer to thesis groups as transaddo t categories. At the end of each billing period, we compute balances and Periodic Finance Charties for each day of the billing period for each transaction category. We use the totovarlg equatim to OMPAe Periodic Re" Charges for each transition category: (Average Doty Beim-) limes (days in billing period) tines (Daly Periodic Rafe). You may refer to the finance Charge Summary on your WV statement for these amounts. Then we add up the Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges for yourAccouni. The Average Dairy Balance is shown as zero t, became of the grace period, no Periodic Finance Charges apply to the balance in a transaction category The D*Pe * Role is t13661h of the corresponding Amaral Percentage Rate. We use the Average Daily Balance (including new Wanesclim) method of calohlafrg the balance upon which we fnpose Periodic Finance Chagas. We compute ft Average Daily Balance for each Vansedbn category by adding np all th daily balances in a bang period for a tansacion category and dividing Ihetotd by the number of days In the being period. We conpule the daily balance for each transaction cabgay on each day by first addog the fotowfrg to tie previous daft dairy balarim Iransactions wwh a Transaction Date of that day as shown on your Whig statement unless the lransarAon Is posted to ywAccard aft ft does of life billing period in Mich k oceans, in which case flue transaction will be added totems balance was of the kart day of the biig period in which it is postal to your Account, fees charged that day and Periodic Finance Charges accrued on the previous days daily krDVac" am credits and payments that are applied against lee balance of th a transaction category on that day lncola L*g the dally boianm fa the lest day of the b'irg period, we consider the 'previous days daily balance to have been you balance for each trarsaction category m the last day of your pre"is billing pencid. AN tees changed to yaw Account are added to the slaMard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance b umollon category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable balance transfer transaction aWgory, for TOO (Tekcomnunicalione f3evlcefor the Deal) assistance, plnse can 1410.347.7449. Dscciver may monix andfot record telephone cats between you and Dismm representatives for quality assurance pirposes. 02010 The Discove° card is issued Wy Dscover Bank Member FDIC PA0210 DISCO` EW y !( It pop ?o ERNkST SOLIDER ? Acccunt number ending in 7733 ? DfS Cv f EK page 2 of 2 Finance Charge Summary Nominal Other Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE current billing period: 31 days lances Rates RATES RATES CHARGES CHARGES Purchases $7,295.34 0.04723% 17.24% V 17.24% $106.81 $0 Cash Advances $2,460.59 0.06573% 23.99% V 23.99% $50.14 $0 V = Variable Rate Information For You This month, the featured Cashbock Bonus(R) Redemption Partner is Bed Bath & Beyond(R). Redeem $20 Cashback Bonus for a $25 Bed Both & Beyond gift card. Identity Theft Protection provides daily 3-bureau credit file monitoring and alerts you of key changes that may help you identify potential fraud, Visit Discover.com/identitythekprotection or call 1-866.515-5302 to learn more or to enroll. Discover's Wallet Protection helps notify card issuers & monitors your credit activity for 90 days if your wallet is lost/stolen. Visit Discover.com/walletprotection or call 1-877-623.8014 to learn more or to enroll. Questions? Visit www.Discover.com or call 1-800-DISCOVER )1-800-347-2683). DISCOVER DISCOVER New Balance Minimum Payment Due $9,992.60 $200.00 Payment Due Date August 5, 2010 10 SDSN6A01 0008171 ERNEST SOUDER 2607 WALNUT BOTTOM RD CARLISLE PA 17015-9329 Account Number ending in 7733 Enter Amount Enclosed Below $ 1 Pay online at www.Di3cover.com or make check payable to Discover. Phone and internet payments must be made by 5:00pm ET for some day posting. Tired of buying stamps? Go mobilel Make and schedule payments from your phone with the Discover app. Irs fast and irs free. Download now at discover.comlapps PO BOX 71084 111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Is,isi?tr?nssi?utiuisinsi??itu?ttiulnliulttlnltinii Go to wwwMiscover.cem or print change in space above. 000001966458892145109099926000200000020000 "rung vare: June 1 1, ZV t V - I-sostny uUma Jary IV, Discover More Card Account Summary Account number ending In 7733 Previous Balance $9,513.53 Payments And Credits 200.00 Purchases + 528.38 Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged + 150.69 Fees Charged + 0.00 New Bo once 9,992.60 See Interest Charge Calculation section following tronsadions for detailed APR information Credit Line $10,000.00 Credo Line Available $7.00 Cash Advance Credit Line $5,100.00 Cash Advance Credit Line Available $7.00 You may be able to avoid Interest Charges, see Additional important information for details. #-asnoacK pons- Anniversary Month January Opening Cashback Bonus Balance $ 77.58 New Cashbock Bonus This Period + 1.32 Coshback Bonus Balance $ 78.90 To Learn more, log in at www.Discover.com 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 Discover® card available. 3. Write to us at Discover PO Box 30943, Salt Lake City, UT BA 1 §0 (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 Deaf( assistance, please call 1-800.347-7A49. Transactions Trans. Past Date Date 'Payments and Credits Jun 25 Jun 25 PAYMENT - THANK YOU $ -200.00 Gasoline Jun 29 Jun 29 TURKEY HILL #0240 Q69 MECHANICSBURGPA S 83.00 Jul 6 Jul 6 0426 SHEETZ CARLISLE PA 78.00 Automotive Jun 30 Jun 30 ADVANCE AUTO PARTS #1256 CARLISLE PA 146.27 'Home Improvement Jun 18 Jun 18 LOWE'S OF CARLISLE, PA CARLISLE PA 193.58 Jul 7 Jul 7 TRACTOR-SUPPLY-CO #0264 CARLISLE PA 27.53 Manage Your Account Online at www.Discover.com • Access free online tools like Poydown Planner to create a plan to y down your balance, securely access statements, pay bills online and easily track all transactions • Make your money worth moreW-Find easy ways to earn and redeem cash rewards • NEWI Access your account securely through your mobile phone NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION D 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 Distoveccom/papedess 02D10 Discow Bank, Member FDIC PAPER.0310 (n Transactions Trans. Post (cont.) Date Date z m o 0 0 0 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 105.18 INTEREST CHARGE ON CASH ADVANCES 45.51 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL MEREST FOR THIS PERIOD 150.69 2010 Totals Year-to-Date TOTAL FEES CHARGED IN 2010 $ 0.00 TOTAL INTEREST CHARGED IN 2010 1,064.82 Questions? Visit www.Discover.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER DISCOVER It poysto ERNEST DER I DISCOVER Account unt number ending in 7733 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 30 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE (APR) INTEREST RATE Purchases 17.24% V $7,422.90 $105.18 Cash Advances 23.99% V $2,308.16 $45.51 V = Variable Rate Additional Imporhart information. See your Cardmember Agreement. Your Cardmember 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 Mistoke On Your Statement tf 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. ft•- cri :on :Problem: If you think there. is an error on your bill,, describe what you believe is wrong and why you believe a m.sta You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in wntin . You may call us, but if you do we are not required to investgate 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 an 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 tefahts If You Are Dissatisfied With Your C10 Card Purchases If you are dissafisfied 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 hove been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. - --- If all of the crileria-abovearemet and-you-ore -still-dissatisfied-with the purchase, contact us in• it'n air ......... . 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 on amount and you do not pay we may report you as delinquent. Payments. You mayrpay all or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Pcrymwd We Date. Send only) ur payment and this top portion of this statement in the envelope idsd. Do not send cash. BYY sending your check as described above, you authorize us to use information on your check o make an electronic fund trans7er 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 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 byy SPM local time on any dayy will be credited to your Account as of that day. Paymerft received at our processing facilely 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 right to resubmit it as an electronic debit. You can pay your scheduled monthly payment or a greater amount that does not exceed your current Account balance over the telephone or you can setup automatic ppaayymments through a customer service representative by calling 1.800.347-2683. AufomaFic payments will be deducted on Ihe"Payment Due Data unless you request a payment date that occurs before your Payment Due Date. If your scheduled payment dote fa!!s on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) digits of the. social security ... number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization fo allow us and your bank fo deduct each payment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You can cancel a scheduled paymerd by phone at 1-800.347-2683 or by mail at Discover, PO Box 3042 i Salt Lake City UT 841 30 042 1; however we must receive notice at least three business days in advance of the schedulecrpayment. If , your payments may vary in amount, we will tell you on each monthly statement when your payment will be made and how much rt will be. You must ensure that sufficient funds are available in your bank account, and all fronsactions must comply with U.S. Taw. If your scheduled payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, you will be responsible for paying the difference. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cordmember Agreement. Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount. ? Full Pay ? Min Pay ? Min Pay + $ Bank Routing #: ; Bank Account #: Frequency: NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER r Roparting. 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. iFyou believe that our reppoort rs nrraccurote or incompkete, please write it us at the Fallowing address: Discover, PO Box 15316, VVilmington, DE 1985Q5316. Please indicate your name, address, home telephone number and Account number. Paying IrMerst 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 FVew Balance shown on your billing statement by making ants or receiving credits. IF you paid the New Balance on your previous billing statement 6y the Payment Due Daf?e smhown on that billing statement, we will not impose Interest Charges on new purchases, that is, purchases first appearing on the current bill'mg statement, or ark portion of a new ppuurchase, paid by the Payment Due Date on ur curreM billing statement. We call this the " race period. It is not less than 25 days There is no race period on balance transfers or cash advances. As more fully de cribed in the section of your Cordmember Agreement ttiitled "How We Ap?IY Payments," we generallyy apply p ants to your Account based on the APR applicable to the balance of each transaction category This means that iF you do not pay Iha New Balance on the current billing statement by the Payment Due Date shown on that biding statement, an, depending on the amount of your payment and the APRs on other balances, you may not get a grace period on new purchases. Annual Fee. If your Account has an annual fee, it will be billed at the beginning of each anniversary year our Account is open. The amount of the fee appears on the statement when the fee is billed. The annual Fee is not refundyable unless you notify us that you wish to close your Account within 30 days of the mailing or delivery dote of the statement on which the fee is billed. You will receive this refund even if you use your Card during that period. Haw We Cafwlato Interest Charges -Daily Balance Method (krduding 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 tilled "Paying ntf erest"). In calculating the daily balance for the first day of the billing period, we consider the "previous day's daily baksnce" 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 daisy 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 billing period in which it occurs, in which case the transaction will be added to the Boily 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 fronsaction category. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to yyou. You may make chargges against this amount if your Account is open. We will send you..a.refund. of.any..remaining balance.of.$1..W _or more.aller.6 months,.or as_otherwise.requi..red.by.applicable law. 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 0IT8K172 Information For You 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 rind out more. This month, the featured Cashback Bonus(R) Redemption Partner is Bed Bath & Beyond(R). Redeem $20 Cashback Bonus for a $25 Bed Bath & Beyond gilt card. Discover's Wallet Protection helps notify card issuers & monitors your credit activity for 90 days if your wallet is lost/stolen. Visit Discover.com/walletprotection or call 1.877.623-8014 to learn more or to enroll. Questions? Visit www.Discover.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER DISCOVER New Balance Minimum Payment Due $9,977.64 $200.00 1 Payment Due Date September 5, 2010 10 SDSN6A010008172 ERNEST SOUDER 2607 WALNUT BOTTOM RD CARLISLE PA 17015-9329 Account Number ending in 7733 Ente'T'A'mount Enclosed Below I $ F_ Pay online at www.Discover.com or make check payable to Discover. Phone and Internet payments must be made by 5:00pm ET for same day posting, Tired of buying stamps? Go mobiles Make and schedule payments from your phone with the Discover app. lrs fast and irs free. Download now at discover.com/apps PO Box 71084 Illit III ttttt111111ttltlttl CHARLOTTE NC 28272-1084 Address, e-moil or telephone change? I I I I 111111 t r rI t 11111111 111111111111111111111111111111111111111 Go to www.Discover.com or print change in space above. 000001986458892145109099776400200000020000 Date: July 11, 2010 - Closing Dab: August 10, 2010 Discover More Card Account Summary Account number ending in 7733 Previous Balance $9,992.60 Payments And Credits 200.00 Purchases + 25.21 Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged + 159.83 Fees Charged + 0.00 New Balance 9,977.64 See Interest Charge Calculation section following itonsactions for detailed APR information Credit Line $10,000.00 credit line Available__-- ..... ...... .._.._.____ $2200 Cash Advance Credit Line $5,100.00 Cash Advance Credit Line Available $22.00 You may be able to avoid Interest Charges, s ee Additional Important Information for details. Coshback Bonuse Anniversary Month January Opening Coshback Bonus Balance $ 78.90 New Coshback Bonus This Period + 0.06 Coshback Bonus Balance $ 78.96 To learn more, log in at www.Discover.com page 1 of 2 Payment Information New Balance $9,977.64 Minimum Payment Due $200.00 Payment Due Date September 5, 2010 Lab Paymerw 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 22.24% 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: Only the minimum I 38 years ' $53,230 ' $365 I 3 years ?Savings = $.40,091 ) I IF you would like information about credit counseling services, call 1-800347.1121. 3 Easy Ways to Contact Us Manage Your Account Online at wwwMiscover 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 (1-800.347.2683) bl il e d h to y down your balance, securely access statements, pay k ll a car ava e. ave your Discover Please a transactions bills online and easily trac 3. _ Write to us at Discover, PO Box 30943, UT BA 130 (?dot a payment address) Sch Lake City ' Make your money worth moresm=fincleasy 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 freleeommunications Device for the Deaf) mobile phone assistance, please call 1.800.347.7449. Transactions Trans. Post Date Dab Payments and Credits Jul 30 Jul 30 PAYMENT - THANK YOU $ -200.00 Home lmprovement Aug 7 Aug 7 NEWVIIIE FEED & HARDWARE NEWVILLE PA $ 25.21 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 interest Charged INTEREST CHARGE ON PURCHASES $ 111.93 INTEREST CHARGE ON CASH ADVANCES 47.90 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION D R Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable, password protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. • Sign up today at Discovercom/paperless ®2010 Discover Book, Member FDIC PAPER.0310 Transactions Trans Post (cont. Date Date interest Charged INTEREST CHARGE ON BALANCE TRANSFERS $ 0.00 TOTAL INTEREST FOR THIS PERIOD 159.83 2010 Totals Year-to-Date TOTAL FEES CHARGED IN 2010 $ 0.00 TOTAL INTEREST CHARGED IN 2010 1,224.65 Questions? Visit www.Discover.com or call 1-800-DISCOVER (1-800-347-2683). DISCISVER z Z 0 0 0 m V N V DISCOVER It pays to ERNEST DER DISCOVER Account unt number ending in 7733 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 Cade Advances V = Variable Rate Additional Important Information. See your Cardmember Agreement. ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE (APR) INTEREST RATE 17.24% V $7,645.27 $111.93 23.99% V $2,350.61 $47.90 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 Stofemen! if you think there is an error on your statement, write to us at: Discover, PO Box 30,421, Salt Lake City, UT 84130-0421. n your letter, give us the following information: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. •- Da ri tion 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 mists ce. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors ' in.writin 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 the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaidamount against your credit limit. Your gjy is 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 cord accounf do not qualify. 3. You most 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 aF:- - - Discover, PO Box 30945, Sall 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. You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Date. 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 an 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 trons6r, 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 o any other address or if you use an envelope other than the one provided. Payments received in proper form at our processing facility b 5PM local time on any dayy will be credited to your Account as of that day. Payments received at our processing Facdiiy 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 dik to resubmit it as an electronic debit. You can pay your scheduled monthly payment or a greater amount that does not exceed your current Account balance over the telephone or you can setup automatic payments through a customer service representative by calling I-800-W-2683. Automatic payments will be deducted on the Payment Due Date unless you request a payment date that occurs before your Payment D. Date, if your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to tfre weekend or bank holiday. In order to schedule monthly payments by t" ekphone, you will need this statement andpyovr Bank account information: You-will be asked to provide the last Four (4) digits of the social security . number of the primary borrower. By providing those numbers as your electronic signature, you will be agreein to this authorization to allow vs and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account. Yov also authorize us to initiate debit or credit entries to your bank account, as apPliwble, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-800-347.2683 or by mail at Discover, PO Box 30421 Salt lake City, UT 84130-0421; however we must receive notice at least three business days in advance of the scheduled payment If your payments may vary in amount, we will tell you on each monthly statement when your payment will be made and how much it will be. You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. IF your scheduled payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, you will be responsible for paying the difference. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. IF you enroll by phone in our automatic payment service, please filldn the Following blanks below and retain the authorization for your records. Amount: ? Full Pay ? Min Pay ? Min Pay + $ Bank Routing Bank Account Frequency: NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC ,VER Credit Rsporlirrg. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defauks on your Account may be reflected in your credit report. We normally report the status and payment history I your Account to erediF reporting agencies each month. If believe that our report is maccurote or incomplete, please write us of the fdbwing address: piscover, PO Box 15316, dmington, DE 19850 5316. Please indicate your name, address, home telephone number and Account number. Paying Interest We begin to impose Interest Charges on all transactions from the Transaction 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 carltinue to impose Interest Charges until the date you pay your entire New Balance shown on your billi statement by makir? payments or receiving credits. If you paid the Now Balance on your previous billingg statementy the Payment Due Date shown on that biU'ueg statement, we well not impose Interest Charges an new Purchases, chat is, purchases first appearing on the current billing sfafemenf, or ark portion of a new purchase, Paid by the Payment Due Date on your current biR'mg statement. We toll this the "grace Period. It is not less than 25 days There is no grace period on balance tmnsfers or cash advances. As more fully described in the section of your Cordmem6er Agreement titled "How We Ap Payments " we general op?y pa ants to your Account based on the APR applicable to the balance of each hansa category. This meansf if you not pay the New Balance on the current billing statement by the Payment Due Date shown on that billing statement, then, depending on ea mount of your payment and the APRs on other balances, you may not get a grace pentad on now purc $03. Annual Fee. If your Account has an annual fee, it will be billed at the beginning of each anniversary year our Account is open. The amount of the Fee appears on the statement when the fee is billed. The annual fee is not refundyable 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 and during that period. How We Calculate lowed 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 daYY, 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 titled "Paying interest"). In calculating the Baily balance for the first day of the bling 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 ter each cloy 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 cbse 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. Ali fees charged to your Account are adddded to the standard purchase transaction category with the exception of Cash Advance Fees which are added to the oppIicable cash advance transaction category and Bo once Transfer Fees which are added to the applicable balance transfer transaction category. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed toyou. You in make charges against this amount if your Account is open. We will send you a refund of arty remaining balance of $1370 or more aRer 6 months, or as otherwise required by applicable law. For MD (relecommunicatiars Device for the Deaf) assistance, please toll 1-8A0-347-7449. 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 OITHKI72 Informotion For You With tightening lending standards, it's never been more important to stay on top of your score. Credit ScoreTrocker helps you understand what may be affecting your credit rating. Visit Discover.com/creditscoretracker or tali 1-866-256-4532 to learn more or to enroll. Identity Thek Protection provides daily 3-bureau credit reports monitoring and alerts you of key changes that may help you identify potential fraud. Visit Discover.com/identitythekprotection or call 1.866-515-5302 to learn more or to enroll. For only $2.99/month Wallet Protection helps notify card issuers & monitors your credit activity for 90 days if your wallet is lost/stolen. Visit Discover.com/walletprotection or call 1-877-623-8014 to learn more or to enroll. Questions? Visit www.Dinover.com or ca)) 1-800-DISCOVER (1-800-347-2683). DISCOVER DISCOVER New Balance $9,904.36 1 D SOSNeA01 0008173 ERNEST SOUDER 2607 WALNUT BOTTOM RD CARLISLE PA 17015-9329 Minimum Payment Due $199.00 I Poyment Due Date October 5, 2010 Account Number ending in 7733 Enter Amount Enclosed Below Pay o line at www.Discover.com or make check payable to Discover. Phone and internet payments must be made by 5:00pm ET for same day posting. Tired of buying stamps? Go mobile! Nike and schedule payments from your phone with the Discover app. It's fast and its free. Download now at disoover.comlapps PO BOX 71084 I1,lsullasnslllluslslul CHARLOTTE NC 282721084 Address, email or telephone change? lulrllulrnlr?lurluiilurllllnrlnluln?lulululrlull Go to www.Discover cam or print change in space above. 000001986458892145109099043600200000019900 :Opening Date: August 11, 2010 - Closing Date: Discover More Card Account Summary Account number ending in 7733 Previous Balance $9,977.64 Payments And Credits 346.27 Purchases + 112.78 Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged + 160.21 Fees Charged + 0.00 New Balance 9,904.36 See Interest Charge Calculation section following transactions for detailed APR information Credit Line $10,000.00 Credit Line Available $95.00 Cash Advance Credit Line $5,100.00 Cash Advance Credit Line Available $95.00 You may be able to avoid Interest Charges, see Additional Important Information for details. Cashback Bonuse Anniversary Month January Opening Cashback Bonus Balance $ 78.96 New Cashback Bonus Thls Period + -0.08 Cashback Bonus Balance $ 78.88 To learn more, log in or www.Discover.com 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 Discoverecard available 3. Wr!te.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, Caro! Stream, IL 60197-6103 For TDD (felecommunications Device for the Deal) assistance, please call 1.800.347-7449. 10, 2010 page l of 2 Payment Information New Balance $9,904.36 Minimum Payment Due $199.00 Payment Due Date October 5, 2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs For new transactions may be increased up to the Penalty APR of 22.2A% 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: Manage Your Account Online at www.Discover.com • Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions • Make your money worth moresM-find easy ways to earn and redeem cash rewards • NEWI Access your account securely through your mobile phone Transactions T ans. t r e Da Payments and Credits Aug 27 Aug 29 ADVANCE AUTO PARTS #1256 CARLISLE PA $ -146.27 Sep 2 Sep 2 PAYMENT - THANK YOU -200.00 Merchandise Sep 8 Sep 8 AMERICAN FINANCIAL LAW TAMPA FL $ 25.00 Automotive Aug 9 Aug 11 ADVANCE AUTO PARTS #5869 SHIPPENSBURG PA 66.59 Avg 9 Aug 11 ADVANCE AUTO PARTS #5869 SHIPPENSBURG PA 21.19 .11 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION D ER If you would like information about credit counseling services, call 1-800.347-1121. Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable, password protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. • Sign up today at Discovercom/paperless 02010 Dis w Bank, Member MC PAPER.0310 Transactions y Trans. Post {cont.} Date Date a> o 0 0 0 Fees TOTAL FEES FOR THIS PERIOD S i 0.00 m Interest Charged INTEREST CHARGE ON PURCHASES $ 112.58 INTEREST CHARGE ON CASH ADVANCES 47.63 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 160.21 2010 Totals Year-to-Date TOTAL FEES CHARGED IN 2010 $ 0.00 TOTAL INTEREST CHARGED IN 2010 1,384.86 QW56011`111S? Visit www.Dimver.com or i call 1-800-DISCOVER (1-800-347-2683). DISCOVER C It pays to ERNESTSOUDER DISCOVEW ' DISCOVER Account number ending in 7733 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR( is the annual interest rate on your account. Current Bifling Period: 31 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE (APR) INTEREST RATE Purchases 17.24% V $7,688.97 $1)2.58 Cash Advances 23.99% V $2,337.41 $47.63 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 immediatelyl Call 1-800-347-2683. What To Do If You think You Find A Midake Ctn Your Sts men If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84 1 30-04 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. • Des ' ion f Problem:. IF you think there_is an error on your bill,,describe what you believe is wrong and why you believe it is a mists e. 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 y 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 Ate 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•oll of the criteria above ore met and-you are still dissatisfied with the purchase; contact us in lti at: ....... Discover, PO Box 30945, Salt Lake Cify, 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. y o u must pay at least the Minimum PaymeDue bthe at of this statement in the envelope PaymenK. You may ?fayme" provid. Do not sed sh8orize us to use information on your check o makan electroniund tronster 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 kom your check to make an electronic Fund fmns?er, 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 fr.. ocessopaymet may bdelcryed if you snd shcorresposenyment o any address or iF you use an enveloe othethaforat our processfailit5PM l time oany wdl be credieed at our processing facility after 5PM local time will 6e credited to your Account as of the next day. {f you have misplaced your envelope, send your payment to Discover, PO Box 6103 Carol Stream, IL 60197 6103. Pleas alk>w 7-10 days for delivery. If your payment rs returned unpaid, we reserve the right to resubmit it as an electronic debit. You can pay your scheduled monthly payment or a gnawer amount that does not exceed your current Account balance over the telephone or you can setup automatic payments through a customer service representative by calling 1.800347.2683. Automatic payments will be deducted on the Payment Due Date unless you request a aymant dote chat occurs before your Payment Due Date. IF your scheduled payment date falls on a weekend or bank holiday, your payymment will be processed the business day prior to the weekend or bank hoiday. In order to schedule morrtfrly payments by telephone, you will need this statement and your bank account information. Yau will be asked to provide the ksst.f?ur (4) digits of. the social security number of the primary borrower. 8y providing those numbers as your electronic signature, you will be agreeingto this authorization to allow ua and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You <an cancel a scheduled paymernt by phone at 1.800347.2683 or by mail at Discover, PO Box 30421 SaB Lake City, UT 841300421; however we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly statement when your payment will be made and how much rt will be. You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. IFyour scheduled payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, you will be responsibleloi paying the difference. IF the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cordmember Agreement. Your automatic ppaayymment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount ? Full Pay ? Min Pay ? Min Pay+ $ Bank Routing Bank Account C Frequency: NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER it information about your Account to credit bureaus. late payments, missed payments, or C1eda We may re other de uhs on your Account may be reflected in your credit report. We normally report the status and payment history of h l l at our re rt ss inaccurate or incomp ease write ete, p your Account to credit reporting agencies each month. I4 u eve t us at the following address: Discover, PO 80,15 316, Wmington, DE 19850 5316. Please indicate your nome, address, home telephone number and Account number. Paying hrtansst We begin fo impose Interest Charges on oll transoctions from the Transaction Date for the transaction shown on your bfNirrg stafame unless a transaction is posted to your Account after the close of the billing period in which it occurs, in which coae vve begin to impose inlereat charges on that transaction from the first day of the billing period in which it is ti h h h d N B l l a own on ance s arges unti t e ate you pay your en re ow posted to your Account. We continue to impose tnfereat C yow biili statement by makir? paymanh or receiving credits. If you paid the New Balance on your previous billing statement 11» Payrrwnt Due Qats shown on lfrot bilkng statement, we will not impose Interest Charges on new purchases, that is, putdaa" Firaf_ a spring on the current billing statement, or any portion or a new purchase, paid by the Payment Due a period. It is not IWs than 25 drays. There is no grace period Date on your current br8rr?g statement. We eaI this is "grac _ on bokutce transfers or aTsh advances. As more fully described in the section of your Cardmem Agreement hued "How ents to your Account based on" APR applicable to the balance of each " we generally apply pc We Ap r payments r , ? tra on This means that if you do not pay the New Balance on the current billing statement by the Payment Due f d b your payment an the APRs on other alances, you Date shown on billing statement, then, depending on the amount o may not get a ggraee pwU on new purchases. Annual Fen. If your Account has an annual fee, it will be billed at the beginning of each anniversary year your Account is The annual fee is net refundc"a unless you The amount of the tae appears on the statement when the fee is brr1lled open . . 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 we your Card during that period. How We Caktslala bderasr Charges -.Daily Balance Method (including current transactions): We figure Interest Charges for each billing period. To do this: • We calaxtlate 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 0 promotional terms). We refer to these balances as transaction categories, vs • We figure tfre "dai?lyybalance" for eoeh transaction category. To get the °daily balance" we take the beginning balance for each . ,add any new transactions and fees and any Interest Charges accrued on the prewous day's ily b bt dih t th d t (i di th d h W A s ct d d k t l > o anee. ran ra any « e an paymen s an ma e o er a jus men nc ng ose a a u s u e ad-iustments required in the section hued "Paying fnteresN`). In calculating the daily balance for the first day of the h l " ' " e g m previow day s dai y balance to have been your balance an t e last day of your bng period, we consider the pre ou brgrng period. This gives us the darfy balance for each transaction category. r`r,' • 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. v • 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 bfllirrg period. When we calculate daily balances, we add a new transaction as of the Transaction Date shown on your billing statement, unless sh8 transaction is posted to your Account after the close of the biNir? period in which it occurs, in which case the tt t d f th billi d i hi h it i t ti add d t th d b l f th fi i d t t Ali t ig b A y e ance as o e rs c e ransac on w e o e a ay o e ng per o n w s pos ccoun . o o your fees charged to your Account are added to the standard purchase transaction cafe ?ory with the exception or Cash Advance l F h dd d h h l bl d d T h h ees w e to t e cas vance transaction category an ich are a e app ica a Ba ance ransfer Fees w ic are added to the applicable balance transfer fansaction category. Credit Bala ces. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charrgges against this amount if your Account is open. We will send you a refund. of crry rempmtng bgtgtice.of.$ OD.or more cfter.6 monfits, or us otherwise required by appl!cable.law..,, For TDD (Feleeammunicalions Device for the Dean 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®cord is issued by Discover Bank, Member FDIC OITSK172 Informotion For You You can't beat a day of fun at Six Flogs(R), and you can't top this deal- get A tickets to Six Flags for only $99! Order by 10/11/10 and visit anytime before 1 /4/ 11. Visit www.sixflogs.com/discover4for99 and purchase with your Discover(R) Card. Also, use your card at Six Flags and save 5% instantly- Discover, the official card of Six Flags. Protect your purchases with a SquareTrade Care Plonl Shop anywhere with your Discover Card and get your warranties through our preferred provider SquareTrade. Please visit www.di3covercard.com/protection•solAons/warranty.htmt for details. For only $2.99/month Wallet Protection helps notify cord issuers & monitors your credit activity for 90 days if your wallet is lost/stolen. Visit Discover.com/wallefprotection or call 1.877-023-8014 to learn more or to enroll. Questions? Visit www.Discover.com or ?ISC?VER call 1-800-DISCOVER (1-800-347-2683). New Balance O Minimum Payment Due Account Number ending in 7733 VER $10,083.51 DISC $401.00 Enter Amount Enclosed Below Payment Due Date November 5, 2010 Please make check payable to Discover Card. f th thl li i h Y e sum o e mon y ou are over m t. Pay t minimum payment plus the overlimit amount of $83.51. 10 SDSN6A01 0008174 ERNEST SOLIDER Please see "Notice of Changes to 2607 WALNUT BOTTOM RD your Interest Rates" section CARLISLE PA 17015-9329 PO BOX 71084 (Ilrrsll"""1111rrrlrl"? CHARLOTTE NC 28272-1084 Address, e-mail or telephone change; it rlrllrllr,1111111,oil ,1111,rllllrlrlr,lrllr,Ilrrlr,1rJrlr,ll Go to www.Discovercom or print change in space above. 000001986458892145109100835100000000040100 Date: September 11, 2010 - Closing uate: 01 Discover More Card Account Summary Account number ending in 7733 Previous Balance $9,904.36 Payments And Credits 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged + 154.15 Fees Charged + 25.00 New Balance 10,083.51 See Interest Charge Calculation section following transactions for detailed APR Information Credit line $10,000.00 Credit Line Available _ ..,.......,_ A0.00 Cash Advance Credit Line $5,100.00 Cash Advance Credit Line Available $0.00 I You may be able to avoid Interest Charges, see Additional Important Information for details. Cashback Bonuse Anniversary Month January Opening Cashbock Bonus Balance $ 78.88 New Cashbock Bonus This Period + 0.00 Cashback Bonus Balance $ 78.88 To learn more, log in on www.Dkwver.com 3 Easy Ways to Contact Us 1. Access your account securely at www.Discover.com 2. Call 1-800-DISCOVER (1-800.34X2683Please 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, Carol Stream, IL 60197.6103 For TDD (Telecommunications Device For the Deaf) assistance, please coil 1.800-347-7449. Manage Your Acoount 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 veQ*- rnc;re SM=find easy Ways to eam and redeem cash rewards • NEWT Access your account securely through your mobile phone Transactions Trans. Post Dab Dab Fees Oct 5 Oct 5 LATE FEE $ 25.00 TOTAL FEES FOR THIS PERIOD 25.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 108.82 INTEREST CHARGE ON CASH ADVANCES 45.33 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION IN ,,; ER 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 of Discoveccom/paperless 02010 Discover Bank, Member FDIC PAPER.0310 Transactions m Z Trans. Post (cont.) D ° 0 biAerest charged TOTAL INTEREST fOR MS PERIOD S 151.15 A 2010 Totals Year-to-Date X TOTAL FEES CHARGED IN 2010 $ 25.00 TOTAL INTEREST CHARGED IN 2010 1,539.01 QUOS60M? Visit www.Discoverxonn or DISCOVER call 1-800-DISCOVER (1-800-347-2683). DISCOVER t: Ms b ERNEST SOUDER DISCOVER Account number ending in 7733 page 2 of 2 (t Notice of Changes to Your Interest Rates You have triggered the Penalty APR of 19.24% on new transactions due to a late payment(s) and its effect on your creditworthiness. 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 10/30/10: As of 12/11 /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 10/30/10 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 + 15.99° -(corresponding daily periodic. rate. of 0.05271 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 30 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE (APR) INTEREST RATE Purchases 17.24% V $7,680.05 $108.82 Cads Advances 23.99% V $2,298.61 $45.33 V s Variable Rate Additional Important Ilniormation. 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 Ttcs 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 fetter, give us the following information: • Account information: Your name and account number. Dollar amount: The dolor amount of the suspected error. Descripf?on of Problem: if you think there is an error on your bill, describe what you believe is wrong and why you believe t is a mrsto e. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors 'n writing You may call us, but if you do we are not required to investigate any potential errors and you may have to pay t 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 we determine that we made a mistake, you will not Iwve 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 iairts H You Are Dissatisfied With Your Credit Gard Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried 2 good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount ue 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 Wvortisament 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.notyet 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 witina at: Discover, PO Sox 309.45, 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 fell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Payments. You maypay all or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Date. Send. only your payment and the top portion of this statement in the envelope pprovided. Do not send cash. Wending 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 em your check to make an electronic fund transfer, Funds may be withdrawn from your account as soon as the some day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment o any other address or if you use an envelope. other than the one provided. Payments received in proper form at our processing facility 5PM local time on any day will be credited to your Account as of that day. Payments received at our onve mg Pauli 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 6 0 1 97-6 1 03. Please allow 7-10 days for delivery. IF your payment is returned unpaid, we reserve the rigfit to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DI VER You can pay your scheduled monthly payment or a greater amount that does not exceed your current Account balance over the telephone or you can setupaulomatic payments through a customer service representative b calling 1-804347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a payment date that occurs before your Payment Due Date. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly pa merits by telephone, you will need this statement and your bank account information. You will be asked to provide the last Four (4) digits of the social security number of the primary borrower. 8y providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us anal your bank to deduct each payment you authorize, in the amount selected by you, From your bank account. You also authorize us to initiate debit or credit enhies to your bank account, as plicable, to correct on error in the processing of such payment. You can cancel a scheduled paymatil by phone at 1-B00-342683 or by mail at Discover, PO Box 30421 Sal lake City, UT 84130-0421; however we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly statement when your nt will be made and how much t will be. You mvsf ensure IhaF sufficient funds are available in your bank account, and aN sections must comply with U.S. law. If your scheduled poymed is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, you will be responsible Tor paying the difference. IF the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service, please f4in the following blanks below and retain the authorization for your records. Amount: ? Full Pay ? Min Pay ? Min Pay + $ Bank Routing Bank Account #: ; Frequency: Credi R?pq We may report information about your Account to credit bureaus. late payments, missed payments, or olfrer deFaulFs 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 u believe that ou? re is inoccuraFe a incomplete, please write us of the follovring address: Discover, PO $ox 15316, iimington, DE 1985Q 316. Please indicate your name, address, home telephone number and Account number. Paying fiderest We begin to impose Interest Charges on all transactions from the Transaction Date for the transaction shown on your bi{ling 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 tlwt billing statement, we will not impose Interest Charges on new purchases, that is, purchases first appearing on the current bitting anent, or 07 portion of a new ppurchase, paid by the Payment Due Date on your current biAing statement. We call this the "grace !n- riodIt is not less There is no Grace period bansfers caAs moe lly scribesection your Cardmer qgreement hued °tiow ents," geerallly paens to youe APR applicable to the balance of each Iroion This mans t i yonay the NBalance on the current billing statement by the Payment Due Date shown 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. 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 billled. 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 Calcukde Interest Charges - Daily Balance Method (including currant transactions): We figure Interest Charges for each billing period. To do this: • We calculate your Interest Charges separately for each balance subject to different 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 days daily balance. We then subtract any credits and payments and make other adjustments (including Oxise adjustmems required in the section titled "Paying Interest"). In calcvlafirg 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 lost day of your previous billing period. This gives us the daily balance for each transaction category. • We fi ire the Interest Charges on your Account by multiplying the daily balance for each transaction category by its day 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 billies period in which it occurs, in which case the transaction wig 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 caletlOry with the exception of Cash Advance fees which are added to the applicable cash advance transaction category and Ba once Transfer fees which are added to the applicable balance transfer transaction category. Credit Balances. If your Account has a credit balance, the amount is shown on the Front of your billing statement. A credit balance is money fiat is owed to you. You may make charggees against this amount if your Account is open. We will send you a refund of any remaining balance of $1.Oy0 or more b months, or as otherwise required by applicable law. For TDD (Telecommunications Device for the Doof) 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 OITBK172 tnfornwtion 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 post due. Please pay the past due amount now, or contact us to make other arrangements. Questions? Visit www.Discover.com or ?iSC?VER call 1-800-DISCOVER (1-800-347-2683). New Balance Minimum Payment Due Account Number ending in 7733 DISCOVER $10,083.51 $603.00 Enter Amount Enclosed Below Payment Due Date December 5, 2010 10 SDSN6A01 0008175 ERNEST SOUDER 2607 WALNUT BOTTOM RD CARLISLE PA 17015-9329 Tired of buying stamps? Go mobile! Make and schedule payments from your phone with the Discover app. R's fast and Its free. Download now at discover.comlapps PO Box 71084 Illrrrllr„r,rllll,ulrlnni CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? InJnIlnrlrrnhllinrlnnLln:?IllLndrnlnrln,IlrrlrrLrlJrrll Go to www.Discover.com or print change in space above. 000001986458892145109100835100000000060300 Opening Date: October 11, 2010 - Closing Date-. Nova Discover More Card Account Summary Account number ending in 7733 Previous Balance $10,083.51 Payments And Credits 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged + 0.00 Fees Charged + 0.00 New Balance 10,083.51 See Interest Charge Calculation section following transactions for detailed APR information Credit Line $10,000.00 Credit Line Available . $0.00 Cash Advance Credit Line $5,100.00 Cash Advance Credit Line Available $0.00 Costlback Bonuse Anniversary Month January Opening Cashbock Bonus Balance $ 78.88 New Coshbock Bonus This Period + 0.00 Cashback Bonus Balance $ 78.88 To learn more, lag in of www.01wover.c0m 3 Easy Ways to Contact Us I . Access your account securely at www.Discove'.com 2. Call 1-800-DISCOVER (1-800.347.2683) Please have your Discover®card available. 3. Write to us at Discover PO Box 30943, Sak Lake City LIT 841 r30 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 6 0 1 97-6 1 03 For TDD ffelecommunications Device for the Deaf) assistance, please call 1.800-3d7-7449. Insuar r v, sv I v rwyo yr Payment Information New Balance $10,083.51 Minimum Payment Due' $603.00 Payment Due Date December 5, 2010 *Includes past due amount of $401.00 Lam Payment Wami+g: 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 22.2A% 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: Onlytheminimum 11 years I $10,084 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 Poydown 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 morew-find easy ways to earn and redeem cash rewards • NEWT Access your account securely through your mobile phone ?Transactions Trans. Post Date Date Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 0.00 2010 Totals Year-to-Date TOTAL FEES CHARGED IN 2010 $ 25.00 TOTAL INTEREST CHARGED IN 2010 1,539.01 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION D! ; !S/ER ,. Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloodable, password protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. • Sign up today at Discovercom/paperless 02010 Discover Bank, Member FDIC PAPER.0310 v zz o? D O O O O 0) V X Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). U pays b ERNEST SOLIDER K M DISCOVE FR { Account number ending in 7733 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 ??U(AALLR'ERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE INTEREST RATE Purchases 17.24% V $0 $0 Cash Advances 23.99% V $0 $0 V = Variable Rate Additional Importwrt Information. See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediatelyl Call 1-800-347-2683. What To Do N You Think You Find A Mistake Your Staiternenf 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. M• igjsgo of Problem: if you think there is an error on your bill, describe what you believe is wrong and why you believe mIto You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in urn iti 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 o mistake, you will not have to pay the amount in question or any interest or other fees rotated 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. dour Rjghts N You Are Dissad8(jed 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. lf.oll.of.ihe.critatio.obove.-are-met and..yy .are.still.di4scrosfied..w&.the.purcho3e, contod.us..in wr ' 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. You maypay all or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope provded. 1>o not send cash. By sending your check as described above, you authorize us to use information on your check to make an electronic fund irons Ter from your account at the financial institution indicated on your check or to process the payment as a check transaction. If payment {s 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 mcry be delayed if you send cash, correspondence or other items with your payment, iF you sernd the payment o any other address or if you use an envelope other than die one provided. Payments received in proper form at our processing facility b 5PM focal time on any day will be credited to your Account as of flat day. Payments received at our processtng facJrTy after 5PM local time will be credited to your Account as of tFb next day {f you fwve misplaced your envelope, sand your paymeat to Discover, PO Box 6103 Carol Stream, IL 601976103. Please allow 7-10 days for delivery. 1F your payment fs refumed unpaid, we reserve the rig?t to resubmit it as an electronic debit. You can pay your scheduled monthly payment or a granter amount that does not exceed your current Account balance over the telephone or you can setup automatic ppaayymments Through a customer service representative by calling 1-804347.2683. Automatic payments will be deducted on 9MP yment Due Data unless you request a payment date that occurs before your Payment Due Date. If your scheduled yment date falls on a weekend or bank holiday, your =ant will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly paymants by telephone, you will need this statement and your bank account information. You will be asked to provide Ihe1as" t tour (4) digifs of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeingto this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account as app cable, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1.804347.2683 or mail at Discover, PO Box 30421 Salt Lake City, UT 8,4130-042 1; however we must receive notice at least three business days in advance of the scheduleWpayment. If your payments may vary in amount, we will tell you on each monthly statement when your payment will be made and how much it will be. You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. low. If your scheduled payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, you will be responsible for paying the difference. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in occordonce with your Cardmember Agreement. Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount ? Full Pay ? Min Pay ? Min Pay + $ Bank Routing #: ; Bank Account #: ; Frequency: NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER 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 rapes 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. Paying Interest Webeg in to impose Interest Charges on all transactions from the Transaction Date for the transaction shown on your billing stateme , 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 nod in which it is I C d B l h r own on ate you pay your entire a ance s posted to your Account. We continue to impose harges until the aw nterest your biNi statement by making payments or receiving credits. IF you paid the fVew Bakince on your previous billing statement the Payment Dus Data shown on that billing statement, we will not impose Interest Charges on new purchases, that is, post first mg on the current billing statement, or anX portion o a new purchase, paid by the Payment bu. Dale on r current bi ing statement. We call this tfte " rote period. It is not less than 25 days There is no race period g on balancetransfers or cash advances. As more fully de scribed in the section of your Cardmember Agreement titled "How h bl l f h ' ll l b d l b l ase e to the ance o y Payments, y a y payments to your Account on t e APR app ica a eac We App we genera ? the Pa ment Due Thi th n the N w Bal ce on the curre t billin statement b M h n t if d t on ea pory. g y y ansac s mea s a yov o o pay e an n Dots shown on tlraF billing statement, than, depending on the amount of your payment and the APRs on other balances, you may not get a grace penod on new purchases. Annual Fee. If your Account has an annual fee, it will be billed at the be?inning of each anniversary year your Account is open. The amount of the fee appears on the statement when the fee is bi 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 data of the statement on which the fee is billed. You will receive this refund even it you use your Card during that period. Now We Caftulale 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 m promotional terms). We refer to these balances as transaction categories. 0 • 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 o o adjustments required in the section titled "Paying interest"]. in calculating the daily balance for the first day of the billing period we consider 16 "previous da 's daily balance" to have been your balance on the last day of your , y 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 dog in the billing period. W • 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 deify 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 fronsaction category. Cnedil Balances. If your Account has a credit balance, the amount is shown on the Front of your billing statement. A credit balance is money that is owed to you. You maayy make charges against this amount if your Account is open. We will send youo rebind of any remcming balance of $11W or more, a r 6 months, or as otherwise required by applicable law. For TDD (Telecommunications Device for the Deal) assistance, please call 1-800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discoverecard is issued by Discover Bank, Member FDIC 01T8K 172 Questions? Visit www.Diwover.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER DISCOVER New Balance Minimum Payment Due $10,083.51 $805.00 Payment Due Date January 5, 2011 10 SDSN6A01 0008176 ERNEST SOURER 2607 WALNUT BOTTOM RD CARLISLE PA 17015-9329 Account Number ending in 7733 Enter Amount Enclosed Below Tired of buying stamps? Go mobilel Make and schedule paymerds from your phone with the Discover app. It's fast and irs free. Download now at d cover.com/apps PO BOX 71084 {{{ur{{unrs{{{{m{r{u{ CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? lulrllnlnrlrllloll III rlr,rllllrnlrrlnlullnlnlulJrrll Go to www.Discover.com or print change in space above. 00000198645889214510910083510000000008CS00 Opening Date: November 11, 2010 - Closing Date: Da [Discover More Card Account Summary Account number ending in 7733 Previous Balance $10,083.51 Payments And Credits 0.00 Purchases + 0.00 Balance Transfers + 0.DO Cash Advances + 0.00 Interest Charged + 0.00 Fees Charged + 0.00 New Balance 10,083.51 See Interest Charge Calculation section following transactions for detailed APR information I Credit Line Cash Advance Credit Line Cash Advance Credit Line Available $10,000.00 $0;w $5,100.00 $0.00 Cas bock BonuSe Anniversary Month January Opening Cashback Bonus Balance $ 78.88 New Cashbock Bonus This Period + 0.00 Redeemed This Period - 78.88 Cashback Bonus Balance $ 0.00 To kern more, leg in of wwwMiscover.com 3 Easy Ways to Contact Us 1. Access your account securely at www.Discovercom 2. Call 1-800-DISCOVER (11-800.347.2683) Please have your Discover* card available. 3. Write to us at Discover, PO Box 30943, Sah Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197.6103 For TDD (Telecommunications Device For the Deaf) assistance, please 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 hack all transadlons • Make your money worth moreSM-find easy ways to earn and redeem cash rewards. • NEWI Access your account securely through your mobile phone Transactions Trans. Post Date Date Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 0.00 2010 Totals Year-to-Date TOTAL FEES CHARGED IN 2010 $ 25.00 TOTAL INTEREST CHARGED IN 2010 1,539.01 ,1191 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DI NW, R Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable, password protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. Get helpful payment reminders through e-mail or text messages on your mobile phone. Print a paper copy of your statement anytime. Sign up today at Discovercom/paperless i I ®2010 Dig w Bank, Member FDIC PAPER.0310 v z z m D o_ 0 0 0 m m ? X m Questions? Visit www.Discover.com or ??$CNER call 1-800-DISCOVER (1-800-347-2683). DISCOVER upayst° ERNEST DER i ??SCyER Accouu nt nt nom number ending in 7733 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 30 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE (APR) INTEREST RATE Purchases 17.2A% V $0 $0 Cash Advances 23.99% V $0 $0 V = Variable Rate Additional Important Wormaffon. See your Cardmember Agreement. Your Cordmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immedlatelyl 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 84130A421. In your letter, give us the following information: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • scri do 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 i?ting. 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 Riaihts You Are Diss fished With Yotu Credit Cord Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have hied 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. ..lf aft.of the criterla..above.are mst.and yy .are still dissatisfied with the purchase, contact us in writing at:.. Discover, PO Box 30945, Safi Lake City, UT 84130-0945 While we investigate, the same rules apply fo 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. You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment We Date. Send only your payment and the top portion of this statement in the envelope F rovided. Do rut send cash. Byy sending your check as described above, you authorize us to use information on your check make an electronic Find transTer 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 yyour payment maybe delayed if you send cosh, correspondence or other items wiifr yyour payment, if you send the payment to an dher address or if you use an envelope other than the one provided. Paymenh received in proper form at our processing facility 5PM local time on any rky will be credited ro your Account as of that day. Payments received at our processing faali otter SPM local time will be credited to your Account as of the next day If you have misplaced your envelope, send your payment ro Discover, PO Box 6103 Carol Stream, IL 60T976 t03. Please afkw 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 scheduled monthly payment or a granter amount that does not exceed your current Account balance over the telephone or you can setup automatic payments through a customer service representative by calling 1.800-347-2683. 'Automatic payments will be deducted on the Payment Due pate unless you request a ant date that occurs before your Payment Due Date. If your scheduled payment date falls on a weekend or bank holiday, your ent will be processed the to( business day prior to the weekend or bank holiday. In order to schedule monthly pa ants by phone, you will need this statement and your bank account information. You will be asked to provide the last tour (4) digits of the social security number of the primary borrower. By providing those numbers as your elechonic signature, you will be agreein9 to this authoization to aNow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account. You afro authorize us ro initiate debit or credit entries fo your bank account, as applicable, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1.800.347-2683 or by mail at Discover, PO Box 30421 SaU Lake City, UT 84 1 30-042 1; however we must receive notice at least three business days in advance of the scheduled payment. IF your payments may vary in amounF, we will tell you on each monthly statement when your payment will be made and flow much d will be. You musf ensure that sufficient funds are available in your bank account, and all transadions must comply with U.S. low. If your scheduled payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, you wilt be responsible of i paying the difference. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cordmember Agreement. Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service, please f&in the following blanks below and retain the authorization for your records, Amount ? Full Pay ? Min Pay ? Min Pay + $ Bank Routing #: ; Bank Account* ; Frequency: NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Credit We may.report information about your Account to credit bureaus. Late payments, missed payments, or other tlefuulfs 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 198545316. Please indicate your name, address, home telephone number and Account number. Paying interest. We bbeeggin 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 can we begin to impose interest charges on that transaction from the first day of the billingg ppeeriod in which R is posted to your Account. Wa continue to impose Interest Charges until the date you pay your entire New Balance shown on your 4rNi sfabmenl by mak'mg pcs?ry ants ar receiv+ng credits. if you pasd t4+e New Balance on your previous bilknngg statement the Payment Due Dare shown on drat billing staromant, vre will trot im a Interest Charges on new purchases, that is, purchases $rst appearing on the rumen! billing statement, or anX portion of anew ppuurchase, paid by the Payment Due Date on r ewrent bilkng statement. Wa call this the " race period. It is not bss than 25 days There is no race period on bolanceiransfers ar each advances. Aa more fully desgeribed in the section of your Cardmember Agreement titled "How WeApp?y Paymerds," vte general a pa girds to your Account based on the APR applicable to %a balance of each hansaetion cry This meansaf if "you do not pay the IJew Balance on the current billing statement by the Payment Due pale shown on fTrod billing statement, then, depending on the amount of your payment and the APRs on other balances, you may not get a grace penod on now pvrchoses. 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 6 led. The annual fee is not refundable unless you noh(y us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which fhe fee is billed. You will receive this refund even if you use your Card during that period. How We Cakvlate Merest Charges - Daily Balance Method (including current.tronsactfons): 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 Itt. d any new transactions and fees and any Interest Charges accrued on the previous day's daily balance. We subtract any, credits and ppaoyments and make other adjustments (including those adjustmenu required in the section titled "Paying Interest"). In calculating the gaily balance for the first day of the biing 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 cfnargod 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. Crodit Sciences. IF your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You maady make rhorrggees against this amount if your Account is open. We will send you a refund of any remaining balance of $1.iJ0 or. more aRer 6 months, or as otherwise required by applicable law. Fa TDD (Felecommunkaiians Device for the Deaf) assistance, please call 1-800-347.7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover®card is issued by Discover Bank, Member FDIC OITBK 172 Questions? Visit wwwbiscover.corn or DISCOVER call 1-800-DISCOVER (1-800-347-2683). New Balance Minimum Payment Due DISCOVER $10,083.51 $1,007.00 Payment Due Date February 5, 2011 10 SDSN6AD1 0006177 ERNEST SOUDER 2607 WALNUT BOTTOM RD CARLISLE PA 17015-9329 Account Number ending in 7733 Enter Amount Enclosed Below $r Tired of buying stamps? Go mobile! Make and schedule payments from your phone with the Discover app. Its fast and it's free. Download now at dtscovercom/apps PO BOX 71084 116rrllloll llllushlrsl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change8 lr,l?llul?rtlrllurlnlt?utllllntlu?n?n?ltslnlnltlull Go to www.Discavw.com or print change in space above. 0000019864588921451091008351000000001007110 Opening Date: December 11, 2010 - Closing Date: Jan Discover More Card Account Summary Account number ending in 7733 Previous Balance $10,083.51 Payments And Credits 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged + 0.00 Fees Charged + 0.00 New Balance 10,083.51 See Interest Charge Calculation section following transactions for detailed APR information Credit Line $10,000.00 Credit Line Available - $0.00 Cash Advance Credit line $5,100.00 Cash Advance Credit Line Available $0.00 k,95I1DOCK DOW$- Anniversary Month January Opening Coshback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 To learn more, tog in at www.Di"over.com 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 Discover®card available 3. Write to us of 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 Deaf) assistance, please call 1.800.347-7449. X" IV, LV 1 1 pays r yr ?• Payment Information New Balance $10,083.51 Minimum Payment Due* $1,007.00 Payment Due Date February 5, 2011 *Includes past due amount of $805.00 Lab Payment Warning: IF we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 24.2696 variable. Manage Your Account Online at www.Discover.com • Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions • Make your money worth moresm-find easy ways to earn and redeem cash rewards • NEWI Access your account securely through your mobile phone Transactions Trans. Post Dab Date Fees TOTAL FEES FOR THIS PERIOD $ 0.00 interest Charged TOTAL INTEREST FOR THIS PERIOD $ 0.00 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 TOTAL INTEREST CHARGED IN 2011 0.00 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION EXR i Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloodable, password protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. • Sign up today at Discovercom/paperless 02010 Discover Bank, Member FIXC PAPER.0310 O Z of D o_ 0 0 i V x Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). DISCOVER It pays to ERNESTSOUDER DISCOVER Account number ending in 7733 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' 10/30/2010 and after 10/29/2010 and prior Cash Advances ANNUAL PERCENTAGE RATE (APR) BALANCE SUBJECT TO INTEREST RATE INTEREST CHARGE 19.24% V 17.24% V 23.99% V $0 $0 $0 $0 $0 $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 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. M• ri tion of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe o mists You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors Incng. You may cal{ 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 of we mode 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 ay the amount in question, you are responsible for the remainder of your balance, We can apply any unpaid amount against your credit limit. Your tghts 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 oFthe 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 musthave used your creditcard• forthe purchase: Purchases made with cashadvances from-on-ATM or.with.a....____ check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us 'nom' en 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. You may?ppuuyy oB or part of your Account balance at any time. However, you must pay of least the Minimum Payment Due by the Payment Due Date. Send only) our payment and the top portion of this statement in the envelope provided. Do not send cash. BYY sending your check as described above, you authorize us to use information on your check to make an electronic fund Irons, or from your account of 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. payment maybe delayed if you send cash, correspondence or other items with your payment, if you The processing of S send the payment ny ether address or if you use on enveope other than the one provided. Payments received m proper facility by 5 PM local time on any dayy will be credited to your Account as of that day. Payments hxm at our proceeived at our Pr recsing Faerlr after 5PM Iota{ time viill be credited to ur Aecovnt as of the next day. If you have m{spka<ed your envelope, send your payment to Discover, PO Box 6103 Card Stream, IL 601 97 61 03. Please aflow 7-10 days for delivery. If your payment is returned unpaid, via reserve the rig(it to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your scheduled monthly payment or a greater amount that does not exceed your current Account balance over the telephone or you can setup automatic payments through a customer service representative by calling 1-800-347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a payment date that occurs before your Payment Due Date. IF your scheduledpayment date falls on a weekend or bank holiday, your pa ment will be processed the business day pnor to tFie weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to provide the last Four (4) digits of the social security number of the primary borrower. By providing 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, in the amount selected by you, ham your bank account. You also authorize us to initiate debit or credit entries to your bank account, as a ncabie, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1.800-34 - 683 or by mail at Discover, PO Box 30421 Salt Lake City, UT 8 4 1 30-042 1; however we must receive notice at bast three business days in advance of the seheduWpoyment. If your payments may vary in amount, we will fog you on each monthly statement when your payment will be made and how much it will be. You musF ensure That sufficient funds are available in your bank account, and all transactions must comply with U.S. law. IF your scheduled payment is not enough to cower the Minimum Payment Due as listed on your monthly billing statement, you will be responsible for paying the difFerence. If the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: ? Full Pay ? Min Pay ? Min Pay + $ Bank Routing Bank Account #: ; frequency: Credit Reppfinq. We may report inlormation about your Account fo credit bureaus. Late payments, missed payments, or o d ther eFaults on yrwr Account may be reffeded in your credit reeppoort. We norms{1y report the status and payment history of your Account to credit reporting agencies each month. IF u believe that our repent is nnaccurafe or incomplete, please write us at the following address: Discover, f'O Box 15316, ilmingfon, DE 19850-5316. Please indicate your name, address, home telephone number and Aceount number. Paying Interest: We Ixgin to impose Interest Charges on all transactions from the Transaction Date for the transaction shown on your billing statemen , 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 Fo yaw Aceount. We continue to impose Interest Charges until the date you payyour entire New Balance shown on your billing atafemenf by makir? payments or receiving credits. If you paid tfre n Bolance on your previous billing statement by The Payment Due Dote shown on that billing statement, we will noF impose Interest Charges on new purchases, that is, purchases first ring on the current billingg statemend, or anX portion o a new ppuurchase, paid by the Payment Due Date on your current bi ing statement. We call This the "grace period. lt is not less than 25 daayys. There is no grace per ad on balance transfers or cash advances. As more fully described in the section of your Cardmorn r Aggreement tilled "How We Appy Paymenh," we generdy ap?y pa ants to your Account based on the APR ap?icable, to the balance of each transaction ca This means (hot if 'you do not pay the New Balance on the current bi4ling statement by the Payment Due Date shown on at billing statement, then, depending on the amount of your paymerrt and the APRs on other balances, you may not get a grace period on new purchases. Annual Fee. IF your Account has an annual fee, it will be billed at the inninVF each anniversary year our Account is open. The amount of the fee appears on the statement when the fee is billed. Tha annual fee is not refundyable 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 kftrest Charges - Daily Balance Method {including current transactions): We figure Interest Charges for each billing period. To do this: We catcu-6& Interest Cho r 9'w'' a earatoI f6r each balance subd to different terms r exam ? P Y 1 (lo.... pfa 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 figwe the "daily balance" far 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 da ily balance. We then subhact any credits and ppaayments and make other adjustments (nrcluding ose adjustmeNs required in the section titled "Paying lrrterest"). In calculating the dell balance for the first day of the bil?in9 period, we consider the "previous day's daily balance" to have been your balance on the last day of your previous bill ing 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 which are added to the applicable cash advance transaction category and Balance Transfer Fees which are added to the applicable balance transfer transaction category. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charggees against this amount if your Account is open. We will send you a refund of any remaining balance of $1,00 or more after 6 months, or as otherwise required by applicable law. For TDD (Telecommunications Device for the Deal) assistance, please call 1-800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover®card is issued by Discover Bank, Member FDIC OITBK172 QUOStIWIS? Visit www.Discover.com or DIcJ?•"?R call 1-800-DISCOVER (1-800-347-2683). 1I `, New Balance Minimum Payment Due Account Number ending in 7733 DISCOVER $10,083.51 $1,209.00 Enter Amount Enclosed Below Payment Due Date J $ ? March 5, 2011 10 SDSN6A01 0008178 ERNEST SOUDER 2607 WALNUT BOTTOM RD CARLISLE PA 17015-9329 Tired of buyying stamps? Go mobile! Make and schedure payments from your phone with the Discover app. Its fast and Its free. Download now at discover.com/apps PO BOX 71084 IIIn,Ilnuullll,ul,Inl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? ittltlltrltrrlrllrtrltrlrlbigIIIltrrlrrlrrlrlll,tl,llr,ltlrtll Go to www.Discover.com or print change in space above. 000001986458892145109100835100000000120900 Opening Date: January 11, 2011 - Closing Date: Febi Discover More Card Account Summary Account number ending in 7733 Previous Balance $10,083.51 Payments And Credits 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Fees Charged + 0.00 Interest Charged + 0.00 New Balance 10,083.51 See Interest Charge Calculation section following transactions for detailed APR information Credit Line $10,000.00 Credit Line Available ........ $0.00 Cash Advance Credit Line $5,100.00 Cash Advance Credit Line Available $0.00 Cas back Bonuse Anniversary Month January Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Borws Balance $ 0100 To team mote, log in at www.Discover.com 3 Easy Ways to Contact Us 1. Access your account securely at www.Discowr.com 2. Call 1-800-DISCOVER (1-800.347-268 ) Please have your Discover® card available 3. Write to us at Discover PO Box 30943, Salt Lake City, UT 841 50 (Not a payment address) For payments please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800.347.7449. nary l u, zu t I page I or z Payment Information New Balance $10,083.51 Minimum Payment Due' $1,209.00 Payment Due Date March 5, 2011 'Includes past due amount of $1,007.00 Late Payment Worming: IF we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 24.24% 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: Only the mum 10 years $10,084 payment If you would like information about credit counseling services, call 1-800.347-1121. Manage Your Account Online at www.Discover.cotn • 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 mor0A-find easy ways to earn and redeem cash rewards • NEW[ Access your account securely through your - - mobile phone Transactions Trans. Post o Fees TOTAL FEES FOR THIS PERIOD $ 0.00 krWrest Charged TOTAL INTEREST FOR THIS PERIOD $ 0.00 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 $ 0.00 TOTAL INTEREST CHARGED IN 2011 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION x Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable, password protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. • Sign up today at Discovercom/paperless 02010 Discover Bank, Member FDIC PAPER.0310 M O rn z m D 0 g a m V m I W Questions? Visit www.Discover.corn or call 1-800-DISCOVER (1-800-347-2683). DISCOVER Acco untunt num number ending in 7733 DISCOVER' F-D"FiS;?QVEK ERN DER 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' 10/30/2010 and after 19.24% V $0 $0 10/29/2010 and prior 17.24% V $0 $0 Cash Advances 23.99% V $0 $0 V = Variable Rate Dates apply to non-promotional purchases and to expired promotions with start dotes within the specified date range Additional important information. See yow Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cads. Report immediatelyl 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 your statement, write tow at: Discover, PO Box 30421, Salt Lake City, UT 84130-0421. In your letter, give us the following information: Accoont information: Your name-and account number. Dollar amount: The dollar amount of the suspected error. » Description f. Problem: em: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mists e. 'You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in wr ' . You may call us, but if you do we ore not required to investigate any potential errors and you may have to pay t amount in question. While we investigate whether or not there has been an error, the following are true: Wa cannot try to trolled 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 ws 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 Righlig If You Are Oksa i=find 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 on 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 moiled 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, Soft 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. You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope Provrded. Do not send cash. By sending your check as described above, you authorize us to use information on your check Fo make an electronic fund transler 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 find transfer, funds may be withdrawn from your account as soon as the some day we receive your payment, and you will not receive your check back from your Financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your paymdent, if you send the payment to any other address or if you use an envelops, other than the one provided. Poymenh receive in proper form at our processing facility by 5PM local time on any dayy will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope, send your pa ent to Discover, PO Box 6103 Carol Stream, IL 601976103. Please allow 7.10 days for delivery. If your payment ns returned unpaid, we reserve the rigk to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC_ VER You can pay your scheduled monthly payment or a greater amount that does not exceed your current Account balance over the telephone or you can setup automatic payments through a customer service representative by tatting 1-800-347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a payment dote that occurs before your Payment Due Dote. If ur scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly pa ants by telephone, you will need this statement ancf your bank account information. You will be asked to provide the at lour 14) digits of the sous( security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization ro allow us and your bank to deduct each payment you authorize, in the amount selected by you, From your bank account. You also audrorize us to initiate debit or credit sntnes io your bank account, as a cable, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1.800-34 .2683 or by mail at Discover, PO Box 30421 Sak lake Cify, UT 84 1 30-042 1; however we must receive notice at least three business days in advance of drs scheduled payment. IF your ymenh may vary in amount, we will tell you on each monthly statement when your payme Wifl be mode and how much ? will be. You must ensure that sul}icient hmds are available in your bank account, and an franwcfions must comply with U.S. taw. If your scheduled payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, you will be responsible for paying the difference. If the scheduled payment is greater thon the Minimum Payment Due, any excess will be applied in accordance with your Cordmember Agreement. Your automatic ppaayymment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Cbsirw Date. If you enroll by phone in our automatic payment service, please Fill-in the following blanks below and retain the authorization for your records. Amount. ? Full Pay ? Min Pay ? Min Pay + $ Bank Routing Bank Account #: ; frequency: Credit We may report information about your Account to credit bureaus. Late payments, missed payments, or other 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 mordh. 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. Paying InMrssF 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 panted to your Account. We continue to impose lrrterest Charges until the date gar pay your entire New Balance shown on your biting statement by making payments or receiving credits. If you paid the New Balance on your previous billing staMmeM Fly the Payment Due Date shown on that billing statement, we will not impose t se Interest Charges on new purchases that is, purchases first appearing on the current billing sfolement, or anX portion o a new purchase, paid by the Payment [jua Date on our current billing statement. We cat this tFre " race period. It is not less than 25 days There is no grace period on baksncehbrrsiws or cash aWe Ap Pyments," we tronsa Tis mans tlrate sho;.y an billing emaM, then, depending on the amount of your payment and the APRs on other balances, you may not period on w purchases. Annual fee. If your Account has an annual fee, it will be billed at the be inning of each anniversary year our Account is open.. The amount of the No appears on the statement when the fee is billed. The annual fee is not refundyable unless you notify us that you wish to close your Account within 30 days of the mailing or delivery dote of the statement on which the fee is billed. You A receive this refund even if you use your Card during that period. How % Cdarlols Interest Clrcrgss - Daily Balance "ad (including current transactions): We Figure Interest Charges for each biting period. To do this: - We cak elate your Initervia Charges seporalely 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. • Ws figuro ihe'dafly balance` far each iransaetion category. To get the "daily balance" we take the beginning bakrf ig For each day, add any new franaactions and fees and any Interest Charges accrued on the pravrous day's daily bolonce. We ltran subtract airy credits and poym??ts and make other adjustments (including tfase ad'ushnents required irr die secYr"on titled "Paying [Merest ). Irrcalculating the doily ?a{wf {rice for the first day of the liil?rr0 period, we consider the previous day's daily balance to have been your balance on the last day of your prtvtous brfl14 period. This gives us the daily balance for each tranaactian category. • We IN the Interest Charges on your Account by multiplying the daily balance for each transaction category by its daily periodic raft, 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.oak elate daily balgrrees, we add a crew fransaction as of the Transaction Date shown on your billing statement, unless ihe.hansgdion.is posted ro yaw Account after the ckrse of the billing period in which it occurs, in which case the trarraacfion wifl lit addict to the daily bakmee as of the Bret day of the billing period in which it is posted to your AccnuM. All ices ehdrperi to your.AccouM aro added to the standard purchase transaction category with the exception of Cash Advance Fees whit-fr oie gdded b the cppIieable cash advance fransaction category and Balance Transfer Fees which ore added to the applicable bakmce transfer hansadion category. Ciedjt Be4ipc s: If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable law. for TDD (Telecommunications Device for the Deal) assistance, please coil f -800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discoverecard is issued by Discover Bank, Member FDIC 01T6K 172 Questions? Visit www.Discover.com or p?SC?VFR, call 1-800-DISCOVER (1-800-347-2683). New Balance Minimum Payment Due Account Number ending in 7733 DISCOVER $10,083.51 $1,4111.00 Enter Amount Enclosed Below Payment Due Date April 5, 2011 10 SDSN6A01 0008179 ERNEST SOUDER 2607 WALNUT BOTTOM RD CARLISLE PA 17015-9329 PO BOX 71084 Illaaallaaasasllllrsalrlaa) CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? IIII 1111111111lliul(11h61ri11iaaala11111nlinla,iaala1raii Go to www.D6cavw.com or print change in space above. Tired of buying stamps? Go mobllel Make and schedule payments from your phone with the Discover app. It's fast and it's free. Download now at discover.comfapps 000001986458892145109100835100000000141100 ch 10, 2011 page 1 of 2 ipening vate: rebruary t t, zu I I - uosmg vale: ma Discover More Card Account Summary Account number ending in 7733 Previous Balance $10,083.51 Payments And Credits 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Fees Charged + 0.00 Interest Charged + 0.00 New Balance 10,083.51 See Interest Charge Calculation section following transactions for detailed APR information Credit line $10,000.00 Credit Line Available $0.00 Cash Advance Credit Line $5,100.00 Cash Advance Credit Line Available $0.00 wsntaacK ovnus Anniversary Montt, January Opening Cashbock Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 To learn more, log in at wwwMiscover.com 3 Easy Ways to Contact Us 1. Access your account securely at www.Discover.eem 2. Call 1.800-DISCOVER (1-800347.2683) Please have your Discovers card available. 3. Write to us at Discover, PO Box 30943, Salt Lake City, I LIT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800.347.7449. Manage Your Amount Online at www.Discover.com • Access free online tools like Paydown Planner to create a plan to Foy down your balance, securely access statements, pay bills online and easily track all transactions • Make your money worth moresm-find easy ways to earn and redeem cash rewards • NEW I Access your account securely through your mobile phone Transactions Trans. Post Date Date Fees TOTAL FEES FOR THLS PERIOD $ 0.00 Interest Charged TOTAL. RJTEREST FOR THIS PERIOD $ 0.00 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 $ 0.00 TOTAL INTEREST CHARGED IN 2011 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION i Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloodable, password protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. • Sign up today at Discovercom/poperless ®4010 Disc w ikmk, Member FDIC PAPER.0310 Cn O <n z 0> D O_ O O O O V O X Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). SOUDER DISCOVEW t' 'O ERNEST Account number er ending in 7733 page 2 of 2 interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 28 days TYPE OF BALANCE ERCENTAGE ANNUAL A SSUR ECT TO N E S INTEREST CHARGE P ( T RE I RATE T Purchases' 10/30/2010 and after 19.24% V $0 $0 10/29/2010 and prior 17.24% V $0 $0 Cash Advances 23.99% V $0 $0 V = Variable Rate " Dates apply to non-promotional purchases and to expired promotions with start dates within the specified date range Additional Important hrformotion. See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stollen cards. Report immediately! CaN 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. • Qolla: The dollar amount of the suspected error, • Descri Lion Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a m ista ce. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in?wntin 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 Dissa&fted With Your Criedit Cord Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have 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?he purchase: Purchases made with cash advances from cm ATM or-with a check that accesses your credit card account do not qualify. 3. You most not yet have ally paid for the purchase. if all of the criteria above are met and you are still dissatisfied with the purchase, contact us ' ifin 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. You may pay all or part of your Account balance at any time. However, you must pay at bast the Minimum Payment Due by the Payment Due Date. 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 poyment may be delayed if you send cash, correspondence or other items with your payment, !F you send the payment o anyy other address or iF you use an envelope her then the one provided, Payments received in per form of our processing tocility 5PM local bme on any toy will be credited to your Account as of Ihaf toy. Payments received at our processing faciU alter 5PM local time wil d l bs credited to your Account as of the nest day If you have misplace your envelope, send your payment to Discov er, f'O Bo x 6103 Carol S tr 0 s 19 eam, IL b an 7-6103. Please allow 7-10 day for delivery. IF your payment is r etumed unpaid , we reserve t he rig ht to r e sub it it as elecMonic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DI K You can pay your scheduled monthly payment or a greater amount that does not exceed your current Account balance over the telephone or you can setup automatic payments Through a customer service representative by calling 1-800-347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a paymso date that occurs before your Payment Due Date if Cur scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior ro the weekend or bank holiday, to order to schedule monthly p ants by telephone, you will need this statementand your bank account information. You will be asked ro provide the last four (41 digits of the social security number of the primary borrower. By pro viding those numbers as your electronic signature, you will be agreeing to this authorization to allow to and your bank "a deduct each payment you authorize, in V. amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries ro your bank account, as applicable, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-8tX?-3471683 or by mail at Discover, PO Box 30421, Solt Lake City, UT 84 1 30-042 1; however we must receive notice at least three business days in advance of the sch odu payment. If your poyrr:ents may vary in amount, we will tell you on each monthly statement when led your payment will be made and flow much t w?f1 be. You must ensure Fhat sufficient funds are available in your bank account, and all transactions must comply with U.S. law. IF your scheduled payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, you will be responsible for paying the difference. if the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization For your records. Amount: ? Full Pay ? Min Pay ? Min Pay + $ Bank Routing Bank Account 4: ;Frequency: Crodd We may report information about your Account to credit bureaus. Late payments, missed payments, or other defar?ts on your Account may be reflected in your credit report. We normally report theatus and payment history of your Account to credk reporting agencies each month. tf believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, ilmington, DE 19850-5316. Please indicate your name, address, home telephone number and Account number. Paying Interest We begin to impose Interest Charges on all transactions from the Transaction 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 biling period in which it is posted to your Account. We ?ntinue to impose Interest Charges until the date you pay your entire tVew Balance shown on your bilk rg statement by making payments or receiving credits. If you paid the Nee Balance on your previous billing stabmenF 6y the Payment Due Date steam on that billing statement, we will not impose Interest Charges on new Purchases tlhat is, purc ses first o peering on the current titlingg s atement, or onz poHion o a new ppurchase, void by the Payment Due Date on your current bilknngg statement. We call this ffie "grace period. It is not less than 25 days There is no grace perod on balance hamsters nx cash advances. As more fully described in the section of your Cordmember Agreement titled "How We AppIy Payments," we general a ly pa ants ro your Account based on the APR applicable to the balance of each traruadion emery This meansot 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 penod on new purchases. Arhnual Fes. If your Account has an annual fee, it will be billed at the tinning of each anniversary year your Account is open. The amount of the fee appears on the statement when the fee is bi led. The annual fee is not refur:dable 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. Now We Calculate Merest Charges - Daily Balance AAethod (including current transactions): We figure Interest Charges for each bifling 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 os transaction categories. • We figure the "daily bola os" 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 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 lone 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.batance 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. Creel? Belsnces. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable low. for TDD (Telecommunications 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 Discover0card is issued by Discover Bank, Member FDIC OITBK172 Questions? Visit www.Discover.com or DI??•"Ea call 1-800-DISCOVER (1-800-347-2683). 1I New Balance DISCOVER $0.00 29 SDSN8A01 D008180 ERNEST SOUDER 2607 WALNUT BOTTOM RD CARLISLE PA 17015-9329 Minimum Payment Due $1,816.00 Payment Due Date May 25, 2011 Account Number ending in 7733 Enter Amount Enclosed Below Tired of buying stamps? Go mobtlel Make and schedule payments from your phone with the Discover app. We fast and ifs free. Download now at dlscover.com/apps PO BOX 6103 ll{???Ilunshlhl.?lrlrrl CAROL STREAM IL 60197-6103 Address, e-mail or telephone change; I?Ilnllnnull?iln{nili?lunill?lnnillrll?unlli??u?? Go to www.Discovw.com or print change in space above. 000001986458892145109000000000000000181500 Date: April 10, 2U I I - Closing Date: April 15 Discover More Card Account Summary Account number ending in 7733 Previous Balance $10,083.51 Payments And Credits 10,083.51 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Fees Charged + 0.00 Interest Charged + 0.00 New Balance X0.00 See Interest Charge Calculation section following transactions for detailed APR information Credit Line $10,000.00 Credit Line Available $0.00 Cash Advance Credit Line $5,100.00 Cash Advance Credit Line Available $0.00 CAS oc BonuSe Anniversary Month January i Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Banos Balance $ 0.00 To learn move, log in at www.Discover.com , N 1 1 page I OT L Payment Information New Balance $0.00 Minimum Payment Due $1,815.00 Payment Due Dote May 25, 2011 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 24.24% variable. Manage Your Account Online at www.Discover.com • Securely access statements and free online tools, pay bills online and track and view all trom moons simply and easily • Make your money worth more sm-find easy ways to earn and redeem cash, rewards...,.. • NEWT Access your account securely through your mobile phone 3 Easy Ways to Contact Us 1. Access your account securely of wwwAiseover.com 2. Call 1.8000ISCOVER (1-800.347-2683 Please have your Diseovere card available. 3. Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, send to address on remittance or Discover, PO x 6103, Carol Stream, IL 60197.6103 For TOD (telecommunication device for the Deaf) assistance, please call 1-800.347.7449. Transactions Trans. Post Date Date Payments and Credits Apr 30 Apr 30 INTERNAL CHARGE-OFF $ •10,083.51 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged TOTAL INTEREST FOR THIS PERIOD $.. . _ _ 0.00_ 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 TOTAL INTEREST CHARGED IN 2011 0.00 0.00 W-W NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION INSW, R Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloodoble, password protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. • Sign up today at Discovercom/paperless I 02010 Discover Bonk, Member FDIC PAPER.0310 d Ch z m D o_ 0 0 0 m CD 0 N X N Questions? Visit www.Discovercom or DISCOVER call 1-800-DISCOVER (1-800-347-2683. DISCOVER l Irpays to ERNESTSOUDER D' V Account number ending in 7733 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 20 days TYPE OF BALANCE Purchases* 10/30/2010 and after 10/29/2010 and prior Cash Advances ANNUAL PERCENTAGE RATE (APR) BALANCE SUBJECT TO INTEREST RATE INTEREST CHARGE 19.24% V 17.24% V 23.99% V $0 $0 $0 $0 $0 $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 immediatelyl Call 1-800-347.2683. What To Do N You Think YotrFind A Mistgke On Your Staternent 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: • Accountinformafion: Your name and account number. • Dollar amount: The dollar amount of the suspected error, ,t,s . lion of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe if is a mista c L You must contact us within 60 days offer the error appeared on your statement. You must notify us of any potential errors i ntinnting. 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 dpy the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaiamount against your credit limit. Your Rights If You Are iDfssa& With Your Credit Cord Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have 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 mode with cash advances From on-ATM or with a check that accesses your credit card account do not qualify. 3. You most not yet have fully paid for the purchase. If ail of the criteria above are met and you are still dissatisfied with the purchase, contort us in writ. at: Discover, PO Box 30945, Sob Lake Cify, 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. You may pay all or port of your Account balance at any time. However, you must pcry at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope ovided. Do not send cash. Bx sending your check as described above, you authorize us to use information on your check to make art electronic fund transfer from your account at the financial institufion 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 {rom your check to make an elechonic 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 wffh your payment, If you he the payment to any ether addreu or if you use an envelope other than the one provided. Payme received m proper form at our processing facility byy SPM focal time on any dayy will be credited to your Account as of that day. Payments received at our proeesamg facthiy after 5PM local lime will be credited ro 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 aNow 7-10 days for delivery. If your payment is returned unpaid, we reserve the rig?it to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION D!S `', . VER You can pay your scheduled monthly payment or a greater amount that does not exceed your current Account balance over the telephone or you can setup outomotic ppaayments ltvcwgh a customer service representative by calling 1-800-347-2683. Automatic payments will be deducted on the Payment Due (kite unless you request o payment date that occurs before your Payment Due Date. If your scheduled payment date Falls on a weekend or bank holiday, your pa ent will be processed the busineu day prior to the weekend or bank holiday. In order to schedule monthly payments by tel phone, you will need this statement and your bank account information. You will be asked to provide the last tour (4) digits of the social security number of the primary borrower. By providing 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, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as plicable, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1.800-342683 or by mail at Discover, PO Box 30421 Salt Lake City, UT 84130.0421; however we must receive notice at least three business days in advance of the scheduled payment. If your payments moy.vory in amount, we will tell you on each monthly statement when your payment will be made and how much R will be. You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. IF your scheduled payment is not enough to cover the Minimum Payment Due as listed an your monthly billing statement, you wilF lobe responsible for paying the difference. If the scheduled payment is greater than the Minimum Payment Due, any excess wig be applied in accordance with your Cardmember Agreement. Your automatic =ant amount may be less than the amount indicated on the periodic statement based on credits or payments after the C =ant Date. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: ? Full Pay ? Min Pay ? Min Pay + $ Bards Routing #: ; Bank Account #: ; Frequency: 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 If you believe that our report is inaccurate or incomplete please write ortin encies each month our Account to credit re a m , . p g g y us at the following address: Discover, PO Box 15316, W lmington, DE 19850 5316. Please indicate your name, address, 0 home telephone number and Account number. Z Paying Interest We begin to impose Interest Charges on all transactions from the Transaction Date for the transaction shown fter the close of the billin eriod in which it occurs t ction is ted to o Account t t l t billi o , pos y g p on your ng s a emen , un ess a ransa ur a in which case we begin to impose interest charges on that transaction from the First day of the billingg pperiod in which it is l h G 0 ance s own on posted to your Account. We continue to impose Interest Charges until the data you pay your entireNew Ba your billing statement by making payments or receiving credits. If you paid the New Balance on your previous biNing ll P Ch h l o ayment Due Date shown on t at bi ing statement, we wil not impose Interest arges on new purchases, statement by the that is, purchases first a ring on the current billing statement, or ark portion of a new purchase, paid by the Payment Due There rac n rre st We g thi th r e eriod rat less th 25 da t billi t t " It i i d D t N rx„ ys e o p . 's no g your cu n ng a emen . sa s e g ac s an e per o a on balance hansfers or cash advances. As more fully described in the section of your Cardmember Agreement titled "How l l h b h f h " we generally app y payments to your Account ased on t e APR app icable to t e balance o We Aanly Payments eac h ll tf tl h B l b h F h P ion ca??gory T is means that i you o not pay t e New a ance on t e current bi ing statement y t ayment Due hansa e Dale shown on 1haF billing statement, then, depending on the amount of your fwymant and the APRs on other balances, you may not get a grace period on new purchases. Annual fee. If your Account has an annual fee, it will be billed at the beginning of each anniversary year ur 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 Itnterest Charges - Daily Balance Method (including current transactions): We figure interest Charges for each billing period. To do this: • We colcuk4e 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 an credits and ayments and make other adjustments (includin those . y g p adjustments required in the section titled "Paying interest"). In calculating the daily botance for the first day of the billin eriod we consider the " revious day. dail balance" to have been our balance on the last da of our g p , y y y p y 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 d d h ll f d its aily perio ic rate, or each ay in t e bi ing period. • The total Interest Charges for the biging 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 ll b i dd d h d l h f l b f fi d h b d h h d ll transact on wi e a e to t e ai ance as o t e rst ay o t illing perio y a e in w ic it is poste to your Account. A fees chic ad to your Account are added to the standard purchase transaction category with the exception of Cash Advance Fees which are added to the a licable cash advance transacti n cate o nd Bala Transfe s whi F h dd d t pp o g r c are a ry a nce ee e o the applicable balance transfer hansaction category. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount it your Account is open. We will send you a refund of any remaining balance of $1.00 or more aHer 6 months, or as otherwise required by applicable law. For TDD (telecommunications Device for the Deaf) assistance, please call 1-800.347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover®card is issued by Discover Bank, Member FDIC 01TBK 172 Quesilions? Visit www.Diswver.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). Our File No.: 320105 APOTHAKER & ASSOCIATES, P.C. By: Benjamin J. Cavallaro, Esquire Attorney I.D. #307949 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Attorneys for Plaintiff DISCOVER BANK c/o DB SERVICING CORPORATION 6500 NEW ALBANY RD NEW ALBANY OHIO 43054 Plaintiff, vs. ERNEST J SOUDER 2607 WALNUT BOTTOM RD CARLISLE, PA 17015-9329 Defendant. Civil Action CERTIFICATION OF SERVICE I, Benjamin J. Cavallaro, Esquire, attorney for Plaintiff, certify that on September 30, 2011, I mailed a copy of Plaintiff's Amended Complaint by Regular mail to: ERNEST J SOUDER 2607 WALNUT BOTTOM RD CARLISLE, PA 17015-9329 APOTHAKER & ASSOCIATES, P.C. Attorney for Plaintiff A Law Firm Engaged in Debt Collection BY: njamm J Cavallaro, Esquire Dated: September 30, 2011 "I!v [-5 AMID Is' ',R,,'MERLAND COUNTY COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.: 11-6058-CIVIL Ouerr Prothonotag ~�'the /�~n��~^^Otny\/ Office _' _ - -/ �� County, - - —'/''—'-- -rk_.- --.-g`_~`~ solicitor /1 �� IpOSB CIVIL TERM - ORDER OF TERMINATION OF COURT CASES AND NOW THIS 28T DAY OF OCTOBER, 2014, AFTER MAILING NOTICE OF INTENTION TO PROCEED AND RECEIVING NO RESPONSE —THE ABOVE CASE IS HEREBY TERMINATED WITH PREJUDICE IN ACCORDANCE WITH BY THE COURT, DAVID D. BUELL PROTHONOTARY One Square 0 Juite100 0 [anCz:sie TA 0 Thono7I724D-6195 Fc{717240-6573