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Home My WebLink About11-6471 Our File No.: 322891 APOTHAKER & ASSOCIATES, P.C. BY: David J. Apothaker, Esquire Attorney I.D. 43842,3 520 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. KATHY A KNAUB 165 SALEM CHURCH RD MECHANICSBURG, PA 17050-2835 Defendant. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.:-???1 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 v -,? a?3ag3 - 1 i-1 ??? i13?Pt0?At? Our File No.: 322891 APOTHAKER & ASSOCIATES, P.C. BY: David J. Apothaker, Esquire Attorney I.D. #3842.3 520 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. KATHY A KNAUB 165 SALEM CHURCH RD MECHANICSBURG, PA 17050-2835 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 KATHY A KNAUB, an adult individual residing at 165 SALEM CHURCH RD MECHANICSBURG, PA 17050-2835. 3. At the special instance and request of Defendant, Plaintiff, DISCOVER BANK, issued to Defendant(s), Account # ending in 8200. 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 $12,621.84. 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 $12,621.84 and requests this Court award costs to the extent permitted by applicable law. APOTHAKER & A Attorney fff? A Law Firm Enan ,kTES, P.C. 11 bt BY: David J. ApotNker, Esquire Dated: 8/5/2011 Our File No.: 322891 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 relating uns orn falsification to authorities. David J. ApothaRrr Esqi Attorney for Plaintiff DATE: 8/5/2011 c DISCOVER New Balance MPayment Due $12,621.64 764,00 J Payment Due Date April 22, 2011 27 S0SN6A01 0000248 KATHY KNAUB 165 SALEM CHURCH RD MECHANICSBURG PA 17050-2835 Address, e-mail or telephone change? Go to www.Discover.com or print change in space above. Account Number ending in 8200 Enter Amount Enclosed Below Please make check payable to Discover Card. Minimum yment due includes a past due amount of $1,511.00. Phone andinternet payments musf be made by 5:00pm ET for some day ostin . uo pa*erless and make your account information more secure with password- protected statements only you can access. Learn more at discover.co"paperiess. PO BOX 71084 111 ... Ill. Ill CHARLOTTE NC 28272-1084 Itlltlllllllllllllltllillltnllll.alrtlrIll Ill rtlnIll ltlrtll Opening Date: February 28, 2011 - Closing Date: March 27, 2011 page 1 of 2 Discover More Card Account Summary Payment Information New Balance $12,621.84 Minimum Payment Due* $1,764.00 Account number ending in 8200 Payment Due Date April 22, 2011 Previous Balance $12,534.49 *Includes past due amount of $1,511.00 Payments And Credits 0.00 Purchases + 0.00 into Payment Waming: if we do not receive your minimum Balance Transfers + 0.00 payment by the date listed above, you may have to pay a late Cash Advances + 0.00 Fee of up to $35.00 and your purchase and balance transfer Fees Charged t 35.00 APRs for new transactions may be increased up to the Penalty Interest Charged + 52.35 APR of 20.24% variable. New B ante 12,621.84 Minimum Payment Warning: If you make only the minimum See Interest Charge Calculation section following payment each period, you will pay more in interest and it will fransacffons for detailed APR information take you longer to pay off your balance. For example: Credit Line $12,600.00 Y.6, ij, will CreditLino Available $0:00...... Cash Advance Credit Line $6,300.00 Cash Advance Credit Line Available $0.00 You may be able to avoid Interest Charges, see Additional Important Information for details. f?ipir?ir na' pay??the ?lk;?tts? a).¢hgrg? e shc»!tteA ?fslf'ei?'?n8 °?' 4ttis rdar?d ?in? thFt statement;sn gstitrrttted totat:srf eaeb manfls yau: payr . ?6twt Only the minimum 15 years $16,032 payment Cashback Bonuse I If you would like information about credit counseling services, I call 1-800-347-1121 I Anniversary Month . I January I Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 To learn more, log in al www.Discover.com 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1. Access your account securely at www.Discover.com Access free online tools like Paydown Planner to create a plan 2. Call 1.800-DISCOVER (1-800.347.2683) Please have your Discovers card available. to pay down your balance, securely access statements, pay bills online and easily track all transactions 3, Write to us at Discover, PO Box 30943,_ _ _. Salt Lake City, UT 84130 (Not a payment address) ' Make y&T money" worth more ,W -find easy ways to eotn - For payments, please send to address on remiNance or and redeem cash rewards Discover, PO Box 6103, Carol Stream, IL 60197.6103 NEWI Access your account securely through your For TDD (Telecommunications Device for the Deafl mobile phone assistance, please tali 1-800347.7449. Transactions Trans. Post Date Date Fees Mar 22 Mar 22 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD 35.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 52.35 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable, password protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. • Sign up today at Discover.com/paperless I- 02010 Discover Bank, Member FDIC PAPEU310 Transactions Trans. Post (cont.) Data Date Z > o 0 0 O Interest Charged TOTAL INTEREST FOR THIS PERIOD N $ 52.35 tt 2011 Totals Year-to-Date n TOTAL FEES CHARGED IN 2011 $ 105.00 TOTAL INTEREST CHARGED IN 2011 39.54 Questions? Visit www.Discover.com or coil 1-800-DISCOVER (1-800-347-2683). DISCOVER DISCOVER ItpSC KATHY KNAUB Account number ending in 8200 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 ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE (APR) INTEREST RATE Purchases' 11/16/2010 and after 15.24% V $35.92 $0.41 08/16/2010 to 11/15/2010 10.24% V $411.23 $3.23 08/15/2010 and prior 5.24% V $12,112.56 $48.71 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 Information For You * * * ATTENTION * * * Your account is seriously past due. Payment of the amount due and arrangements for future payments should be made immediately. Additional 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 On Your Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84 1 30-042 1. In your letter, give us the following information: • Account information: Your name and account number. • Dolkrr amount: The dollar amount of the suspected error. t ri Lion of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe disamsace. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writi .You may call us, but if you do we are not required to investigate any potential errors and you may have to pay Fe 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 thot 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. - - ttyov are utssarrsttea alto that ns or serrtces tnaryou have-purchma s rwith your rredlt card and you have tried due in goo on d f the aith to purchasecorrect the . lem with the merchant, you may have the right not to pay the remaining amount . 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 o check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Discover, PO Box 30945, Salt Lake City, UT 84130.0945 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Payments- Send only your payment and the 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 Fram your account at the financial institution indicated on your check or to process the payment as a check transaction. It payment is processed as an electronic fund transfer, the 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. Tha processing of your payment may be delayed if you send cash, correspondence or other items with your payment, i'0 you the one provided. Paymen r our ed in per send the payment o anyy other address or if you use an envelope other an form at our processing bacility b .SPM local time. on.any dayy_vri" besredited to your Account as of that.day..P?yments received at our processmg Facility after SPM local time will be credited to our 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 rlg?it to resubmit if 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 remaining 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 Ube deducted on the payment due data 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 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 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 applicable, to correct an error in the processing of such a end. You can cancel a scheduled po meni V phone at 1-800.347-2683 or by mail at the correspondence ddress listed above; 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. low. If your scheduled payment is not enough to cover the Total Amount Due os listed on your monthly billing statement, you will be responsible for paying the difference. Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the closing data. 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 Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defou4ts 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 thot-our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 1 9850-53 1 6. Please indicate your name, address, home telephone number and Account number. CD Paying Interest: We begin to impose interest charges on a transaction fee or interest charge from the day we add it to the 0 daily balance. We continue to impose interest charges until you pay t6 total amount you owe us. You can avoid paying Z interest on Purchases as described below. However, you cannot avoid paying interest on Balance Transfers or Cash c Advances. 0 0 How to Avoid Pavia Interest on Purchases I"Grace Period" °o you opaid t NOW Balance on your previous i ing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases, or any portion of a new Purchase, paid by the Purchase Due Date on your current billing statement. new Purchases are Purchases that first appear on the current billing statement. How We Apply Payments Ma 1m act Your Grace Period if you?ot pay your ew a once in hill each month, en, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. How We Calculate Interest Charges - Daily. Balance Method (including currant transactions): We calculate interest charges each billing period by first figuring the "daily balance" for each Transaction Category. Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers. How We Figure the Daily Balance for Each Transaction Category • We start with the ' inning balance for each day. The beginning balance for the first day of the billing period is your balance on the ast day of your previous billing period • We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We add an new transactions,or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or Fee posted to your Account. • We subtract any new credits and payments. • We make other adjustments (including those adjustments required in the "Paying Interest" section). Now We Figure Your Total Interest Charges • We multiply the doily balance for each Transaction Category by its daily periodic rote- We do this for each day in the billing period. This gives us the interest charges For each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. • We add up all the daily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rote. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. For TDD (Telecommunications Dovice 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 RZNFE00l QUeStfonS? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff S.4?Pt? dt 4t[ttiGplJ,??? FFiCE THE 5-ER4'F .,..FILED-OFFICE OF THE PROTHONOTARY Jody S Smith Chief Deputy Richard W Stewart Solicitor 2011 AUG 23 PM 3: 37 CUMBERLAND COUNTY PENNSYLVANIA Discover Bank Case Number vs. Kathy A. Knaub 2011-6471 SHERIFF'S RETURN OF SERVICE 08/18/2011 07:49 PM - Michael Barrick, Deputy Sheriff, who being duly sworn according to law, states that on August 18, 2011 at 1949 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Kathy A. Knaub, by making known unto Barbara Stech, Sister of Defendant at 165 Salem Church Road, Mechanicsburg, Cumberland County, Pennsylvania 17050 its contents and at the same time handing to her personally the said true and correct copy of the same. 01 ICHAEL BARRICK, DEPUTY SHERIFF COST: $38.00 August 19, 2011 1P GountySuite Sherff. Teieesott. Inc. SO ANSWERS, RON R ANDERSON, SHERIFF ?j-%# 8=1 COURT OF COMMON PLEAS i 's% 'THO0 TAti LAW DIVISION CUMBERLAND COUNTY 20i l SEP 12 Pill 2: 3b- SPECIAL CIVIL PART rUMBERLAND COUNT`' PENNSYLVANIA DISCOVER BANK, Plaintiff, Docket No. 11-6471 CIVIL V. KATHY A. KNAUB, Defendant 1 DEFENDANT'S MOTION FOR EXTENSION OF TIME Defendant, KATHY A. KNAUB, by and through undersigned counsel, hereby files this Motion for Extension of Time, and as grounds therefore states as follows: 1. Defendant was served with the Complaint on August 18, 2011. 2. Counsel only recently received a copy of the Summons and Complaint and needs adequate time to review in order to respond. 3. As such, undersigned counsel respectfully requests an additional period of twenty (20) day extension to file a response. 4. This extension of time is not sought for any improper purpose, and will not prejudice any party. WHEREFORE, Defendant respectfully requests this Honorable Court grant Defendant an extension of time in which to respond to the Complaint, along with any other such relief deemed necessary and proper. Respectfully submitted, n4? HE Y PORTNER, ESQ. Bar No.: I-IS9 q CONSUMER ATTORNEYS OF AMERICA, P.A. Attorneys for Defendant Suite 305 5379 Lyons Road Coconut Creek, FL 33073 Telephone: (888) 861-0361 Facsimile: (954) 671-4171 CERTIFICATE OF SERVICE I HEREBY CERTIFY that a true and correct copy of the foregoing was sent via Regular U.S. Mail to David J. Apothaker, Esq., Apothaker & Associates, P.C., Attorneys for Plaintiff, 44- 520 Fellowship Road C306, Mount Laurel, NJ 08054, on September H2011. HENRY P RTNER, E . Bar No.: 11 19 CONSUMER ATTORNEYS OF AMERICA, P.A. Attorneys for Defendant Suite 305 5379 Lyons Road Coconut Creek, FL 33073 Telephone: (888) 861-0361 Facsimile: (954) 671-4171 2 4 Our file No.: 322891 APOTHAKER & ASSOCIATES, P.C. BY: Jordan W. Felzer, Esquire Attorney I.D.# 38670 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Attorneys for Plaintiff DISCOVER BANK Plaintiff, VS. KATHY A KNAUB Defendant. Civil Action ANSWER TO NEW MATTER Plaintiff, DISCOVER BANK, by and through their attorney, answers the following New Matter: 8. Denied. Plaintiff s claim is not barred by Failure of Consideration. 9. Denied. Plaintiff is the Original Creditor. 10. Denied. Plaintiff has not breached its Duty to Mitigate. 11. Denied. Plaintiff s claim is not barred by the applicable Statute of Limitations. WHEREFORE, Plaintiff demands that Defendant's New Matter be dismissed. APOTHAKER & ASSOCIATES, P.C. Attorneys for Plaintiff A Law Firm Engaged in Debt Collection BY: ordan W. Felzer, Esquire DATED: October 19, 2011 'Oil jC ?4 P1-12:L,,c f'IJ ?3ERI-A O C0U?1T,, ? cNNSYL VANIA COURT OF COMMON PLEAS OF CUMBERLAND COUNTY DOCKET NO.: 11-6471-CIVIL ,-r VERIFICATION Jordan W. Felzer, 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 Answer to New Matter 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 relating to unsworn falsification to authorities. J dan W. Felzer, Esquire Nftornev for Plaintiff DATE: 10/19/2011 r COURT OF COMMON PLEAS OF CUMBERLAND COUNTY DOCKET NO.: 11-6471-CIVIL Civil Action CERTIFICATION OF SERVICE I, Jordan W. Felzer, Esquire, attorney for Plaintiff, certify that on 10/19/2011, I mailed a Our file No.: 322891 APOTHAKER & ASSOCIATES, P.C. BY: Jordan W. Felzer, Esquire Attorney I.D.# 38670 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Attorneys for Plaintiff DISCOVER BANK VS. KATHY A KNAUB Plaintiff, Defendant copy of the Answer to New Matter by Regular mail to HENRY PORTNER, ESQUIRE CONSUMER ATTORNEYS AMERICA 5379 LYONS RD #305 POMPANO BEACH, FL 33703 r r1 iF Jo an W. Felzer, Esquire omey for Plaintiff P Date: 10/19/2011 It COURT OF COMMON PLEAS CUMBERLAND COUNTY DISCOVER BANK, Plaintiff, V. KATHY A. KNAUB, Defendant Docket No. 11-6471 CIVg c ' $ -03 rn .C© 'til ' c) ? s, C3 Z.? N q ON DEFENDANT'S CERTIFICATE OF SERVING REQUESTS FOR DISCOVERY YOU ARE HEREBY NOTIFIED that the undersigned has served Requests for Admissions, Interrogatories and Requests for Production propounded upon Plaintiff, DISCOVER BANK, and served a copy of this certificate on David J. Apothaker, Esq., Apothaker &. Associates, P.C., Attorneys for Plaintiff, 520 Fellowship Road C306, Mount 52r Laurel, NJ 08054, on October `3 ? , 2011. Respectfully submitted, HENRY PORTNER, ESQ. Bar No.: 17599 CONSUMER ATTORNEYS OF AMERICA, P.A. Attorneys for Defendant Suite 305 5379 Lyons Road Coconut Creek, FL 33073 Telephone: (888) 861-0361 Facsimile: (954) 671-4171 ?Irp COURT OF COMMON PLEAS OF CUMBERLAND COUN' CIVIL DIVISION 2012 FEB-] PM 2' 43 DISCOVER BANK, Plaintiff, V. KATHY A. KNAUB, Defendant COUNTY CUMBERLAND "V?Y No.: 11-6471-CIVIL DEFENDANT'S NOTICE OF SERVING RESPONSES TO DISCOVERY YOU ARE HEREBY NOTIFIED that the undersigned has served responses to the Request for Admissions, First Set of Interrogatories and Request for Production propounded by Plaintiff, DISCOVER BANK, and served a copy of this notice on Kimberly F. Scian, Esq., Apothaker & Associates, P.C., Counsel for Plaintiff, 520 Fellowship Road, C306, Mount Laurel, ,?1 NJ 08054, on February e , 2012. Respectfully submitted, HENRY R , ESQ. Bar No.: 17599 CONSUMER ATTORNEYS OF AMERICA, P.A. Attorneys for Defendant Suite 305 5379 Lyons Road Coconut Creek, FL 33073 Telephone: (888) 861-0361 Facsimile: (954) 671-4171 Our File No.: 322891 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 1012 FE-9 27 AH 10: 23 CUMBERLAND COUNTY PENNSYLVANIA COURT OF COMMON PLEAS OF CUMBERLAND ('01 TNTY Plaintiff vs. KATHY A KNAUB NO.: 11-6471-CIVIL Defendant Civil Action MOTION FOR SUMMARY JUDGMENT Plaintiff, DISCOVER BANK, respectfully requests that the Court enter an Order granting Summary Judgment in its favor for the following reasons: 1. There are no genuine issues of material fact to decide. 2. Plaintiff, DISCOVER BANK, filed a Complaint to recover a $12,621.84 balance on the defendant's delinquent account with DISCOVER BANK. A copy of Plaintiff's Complaint is attached hereto as Exhibit "A" and incorporated by reference herein. 3. Defendant, KATHY A KNAUB, filed an Answer to the Complaint in which defendant admits using a Discover Bank credit card but denies the remainder of the averments. A copy of Defendant's Answer is attached hereto as Exhibit "B" and incorporated by reference herein. 4. By letter dated October 19, 2011 Plaintiff served on defendant a request for admissions, a request for production of documents and interrogatories. 5. By letter dated December 16, 2011 Plaintiff sent a follow-up letter to defendant advising that responses to discovery had not yet been received. 6. Defendant answered the Request for Admissions on February 3, 2012., admitting the following: (1) Defendant applied for, was issued, received, and signed the credit card at issue herein; (2) Defendant used the card to make purchases and obtain extensions of credit, (3) Defendant received monthly credit card statements and did not dispute any of the charges listed therein. 7. In further support of its claim, Plaintiff attaches hereto the Cardmember Agreement and the credit application for defendant's account. 8. Plaintiff also attaches hereto copies of multiple credit card statements for defendant's account. 9. The attached credit card statements begin with a statement evidencing a previous balance of $0.00 and end with a credit card statement evidencing an outstanding balance matching the damages Plaintiff seeks herein. 10. Defendant has failed to sustain the burden of presenting facts which contradict the averments of Plaintiff's Complaint. 11. Plaintiff has demonstrated that there is no genuine issue of triable fact. WHEREFORE, Plaintiff demands judgment in favor of Plaintiff and against Defendant(s) for the sum of $12,621.84 plus court costs of $154.00, totaling $12,775.84. APOTHAKER & ASSOCIATES. P.C. Attorney for Plaintiff A Law Firm Engaged in Debt Collection BY: 4?? Benj in J Cavallaro, Esquire Dated: February 21, 2012 Our File No.: 322891 APOT14AKER & 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 vs. KATHY A KNAUB COURT OF COMMON PLEAS OF CUMBERLAND COUNTY Plaintiff NO.: 11-6471-CIVIL Civil Action Defendant PLAINTIFF'S BRIEF IN SUPPORT OF ITS MOTION FOR SUMMARY JUDGMENT Facts Plaintiff, DISCOVER BANK, by the undersigned attorneys, respectfully submits this brief in support of its motion for an order for Summary Judgment. Plaintiff extends credit for purchases made by customers who assent to a credit agreement. In the agreement, Plaintiff promises to extend a credit account to the customer in consideration of the customer's promise to repay in fizll the outstanding balance due plus interest incurred. Defendant, KATHY A KNAUB, entered into a credit agreement with the Plaintiff. Defendant purchased goods pursuant to the credit agreement. As Defendant has failed to make payments in accordance with the credit agreement on the outstanding balance, defendant is in breach of contract. Plaintiff filed a Complaint on or about August 05, 2011. Defendant filed an Answer, in which defendant admits using a Discover Bank credit card but denies the remainder of the averments. By letter dated October 19, 2011 Plaintiff served on defendant a request for admissions. a request for production of documents and interrogatories. By letter dated December 16, 2011 Plaintiff sent a follow-up letter to defendant advising that responses to discovery had not yet been received. Defendant answered the Request for Admissions on February 12012, admitting the following: (1) Defendant applied for, was issued, received, and signed the credit card at issue herein; (2) Defendant used the card to make purchases and obtain extensions of credit, (3) Defendant received monthly credit card statements and did not dispute any of the charges listed therein. In further support of its claim, Plaintiff attaches hereto the Cardmember Agreement and the credit application for defendant's account. Plaintiff also attaches hereto copies of multiple credit card statements for defendant's account. The attached credit card statements begin with a statement evidencing a previous balance of $0.00 and end with a credit card statement evidencing an outstanding balance matching the damages Plaintiff seeks herein. Plaintiff has successfully established the requisite elements of its claim, a contractual duty, a breach of said duty and resulting damages. As there are no genuine issues of material fact to be decided, Plaintiff is entitled to Summary Judgment. Legal Argument Pa.R.C.P. No. 1035.2 states that a Motion for Summary Judgment may only be granted when there is no genuine issue of material fact as to a necessary element of the cause of action or defense which could be established by additional discovery or expert report. Pa.R.C.P. No. 1035.2(1). A material fact for motion on summary judgment is one that directly affects the outcome of the case. Fortney v. Callenberger, 801 A. 2d 594 (Pa. Super. 2002). Application of this rule has held that summary judgment may be granted only in those cases where the right to summary judgment is clear and free from doubt. Laich v. Bracey, 776 A. 2d 1022, (Pa.Cmwlth. 2001). The purpose of the summary judgment procedure is to prevent vexation and delay, improve the machinery of justice, promote the expeditious disposition of cases and avoid unnecessary trials when no genuine issue of material fact is raised. A motion for summary judgment shall be granted if the documents of record show there is no genuine issue as to any material fact and that the moving party is entitled to judgment as a matter of law. Pa.R.C.P. §1035(b); Allen v. Merriweather, 413 Pa. Super. 410, 411 (1992); Beasel v. New Blvd Baking Co. Inc, 410 Pa. Super. 591, 593 (1991). In making its determination, the Court must accept as true all properly pleaded facts, as well as all reasonable inferences which might be drawn therefrom. Thompson v. Nason, 379 Pa. Super. 115 (1988), aff'd, 527 Pa. 330 (1991). The Court must restrict its review to material filed in support of and in opposition to the motion for summary judgment, and to uncontroverted allegations in the pleadings. Pa.R.C.P. § 1035; Overly v. Kass, 382 Pa. Super. 108 (1989). The party requesting Summary Judgment bears the burden of demonstrating clearly that there is no genuine issue of material fact. Driscoll v. Carpenters District Council of Western Pennsylvania, 370 Pa. Super. 295 (1988); aff'a' 525 Pa. 205 (1991); Allen, 413 Pa. Super. at 411; Beasel, 410 Pa. Super. at 594; Hower v. WhitmarkAssoc., 371 Pa. Super 443 (1988). In response, the nonmoving party may not rest upon the pleadings, but must set forth specific facts controverting the movant's case. Pa.R.C.P. § 1035.3; Phaf f v. Gerner, 451 Pa. 146 (1973). A review of the pleadings as a whole in the instant case reveals that Defendant has failed to sustain its burden of presenting facts which contradict the elements of Plaintiff's claim.. Conclusion Plaintiff has demonstrated sufficient facts to warrant summary judgment in its favor. Once Plaintiff satisfies its burden, Defendant must demonstrate facts which would create a genuine issue for trial. Phaff; supra. Defendant has failed to sustain its burden of presenting facts which would contradict the elements of Plaintiffs claim. WHEREFORE, Plaintiff demands Judgment in favor of Plaintiff and against Defendant(s) for the sum of $12,621.84 plus court costs of $154.00, totaling $12,775.84. APOTHAKER & ASSOCIATES, P.C. Attorney for Plaintiff A Law Firm Engaged in Debt Collection BY: IR Benja in J. avallaro, Esquire Dated: February 21, 2012 Our File No.: 322891 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 COURT OF COMMON PLEAS OF CUMBERLAND COUNTY Plaintiff vs. KATHY ,A KNAUB NO.: 11-6471-CIVIL Defendant CERTIFICATION OF SERVICE Civil Action I, Benjamin J. Cavallaro, Esquire, attorney for Plaintiff, certify that on February 21, 2012, I mailed a copy of Plaintiff's Order, Motion for Summary Judgment and Brief in support thereof to: HENRY PORTNER, Esquire 5379 LYONS RD 4305 POMPANO BEACH, FL 33073 APOTHAKER & ASSOCIATES, P.C. Attorney for Plaintiff A Law Firm Engaged in Debt Collection BY: k- - Benja in J. C vallaro, Esquire Dated: February 21, 2012 Our file No.: 322891 APOTi IAKI IZ &. ASSOCIA I'FuS, P.C. HY: H) ivid l Apothakcr, I squire Attorncy 1,D, t.08423 520 Pellowsluip Road (306 Mount 1,aurcl. NJ 08054 O 00) 60215 Attorneys for Plaintiff DISCO VET BANK c/o DB SFRVIC_`INC1 0.)RPMATION 6500 NI?AV AI,I3ANY RIB NI W A HIANY OI-IlO 4 054 Plaintiff, VS. KATI IY A KNAI JI3 165 SAITN4 CI-II.JRCI-I RD MFCIIANICSBURG, PA 17050-2835 Defendant. 'AVAMA COURT 01' COMMON PLEAS CUMBFI?I,AND COUNTY NO.: )1- Uq 1 I 0,1v 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 ollfections to the claims set forth against you. You are warned that: if you Pail to do so the case Amy 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 YOIJ DO NOT HAVE A LAWYEI- OIZ CANNOT AT'FORD ONE, GO J'O OR TE EPHONF THE OF'FICF,. SET 1`0 10'H BI;I.,OW TO FIND OUT WHERE: YOU CAN GET LE.GAl. I-JELP. 11, YOU CANNOT AFFORD TO HIRE' A LAWYhR, THIS OFF'IC'E MAY flF ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SliRVIC1 S TO ELIGIBLE PF;RSONS AT A RFaDLICI?D F'FF OR NO HE. CLJMBF?.IZLAND COUNTY 13AR ASSOCIATION 34 S. BEDFORD S7'. CAMASL PA 17013 717-24`?-3166 Ott I- FVIc. N ).:.322891 APO"II IAl<; i?R & ASSOCIATE'S, P.C. BY: David .1. Apoihakcr, Esquire Attorney L'), d38423 520 t ellowsllip Road 01306 10mmt Laurel, NJ 080,54 (800)672-0215 Attonicys for Plaintiff MSCOVER 13ANK c/o DB ;FRVICING CORPORATION 6500 N1?.W ALBANY RD NI_?'W ALBANY 01110 43054 Plaintiff, vs. KATHY A KNAUB 165 SALLINI CHURCH RD MECHANIC'SBURG, PA 17050-2835 Defendant. COUR'1 01'' COMMON PL.i AS CIIM13ERLAND COUNTY NO.' CIVIL ACTION COMPLAIN.' FIRST COUNT 1. Plaintiff is Discover Bank ("Plaintiff"), a Delaware State Bank and issuer of the Discover Card. 2. Defendant(s) Ware KATHY A KNAUB, an adult individual residing at 16SALEM CHURCH RD M13CHANICSBL!IZCf, PA 17050-2835. 3. At the special instance and request of Defendant, Plaintiff, DISCOVER. BANK, issued to Defendant(s), Account.4 ending in 8200. 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 $12,621.84. A mic and correct copy of the total due and owing is attached hereto, made a part hereof and marked as 1_xhibit "A"6. All credits, if any, to which Defends ni(s) is entitled, have been applied to the account and are included in Exhibit "A". 7. Although demand has been made, Defendant(s) has filled to make; payment of the amount title as above, WI I I I'R I I.'FO1tPlaintiff demands juulgawnt in f vnr of IdaintiPf,ind against I Mcndant(s) for the sun-) of $ 12,621,84 Ind requests this Court uwml costs to the extent jormitted by applicable law. Al'O'l- AKl?:R AS ' S'OCIIATl S, P.C. Attorney fc,?r Pla} Miff A Law Am Inglad in Oebt C?Auction BY: [)avid ,f. Apot esker, Esclu,re Dated: 8/5/2011 Our File No.: 322891 VFRIFICATION David J. ApothAcr, Esquiac, hereby states that I ain counsel fir plaindfT in d is action, wui that 1 am auf oNzed to take this Ve3-ilication, and that the statements made in the ioregoNg Civil Action Chmpiaini are true and correct to the hest of my knowledgc, information, and belief. The undersigned understands that the statements therein are !) made suhQ u. the penalties of 18 I'a.C.S.A. 4904 relating p unjnl falsification to authorities. David J. Ap(,AhakL-j--,, Esquire Attorney For Plaintiff DATE: 8/5/2011 Nov+ Balance Mbumum Payment Duo DISCOVER $12,621,84 $,,769.00 i'ayworit Duo Dote April 22, 2011 27 SDSN6A01 0000249 KA'I HY KNAUB 165 SALEM CHURCH RD MECHANICSBURG PA 17050--2835 Account Numbor oncling in 82,00 ? nior Arnrunt Endocod Bolow -_7 Pl,3oso make check puyablo to Dlscoyar Card. Minimum pa ymont duo inclcdcs a )ast duo amount of $1,511 00. Phono cmd inlernat payrnonts must bo made by 6:00pm ET for Como env Foslinr . Go peerless alai make your account infcrmation more Secure with password- protected statements only you can access. Learn wrote ut discoveccornlpaperless. No BOX 71084 11Irr,I1,,,,,Irllrirlrr,111 CHARLOTTE NC 28272-1084 Address, o•maif of telephone changO Go to www.Discover.com or print change in space above. Opening Dole: February 26, 2011 - Closing Date: March 27, 2011 page 1 of 2 I Discover More Card Account Summary Account number ending in 8200 Previous Balance $12,534.49 Payments And Credits 0.00 Purchases o- 0-00 Balance Tronsf6rs + 0.00 Cash Advances -t 0,00 Fees Charged + 35.00 Interest Charged + 52,35 Now Balance ---------- 12,627 ,A4 See interest Charge Calculation section following transactions for dertaited APR fnformosion Credit Lino $12,600.00 Credit line Available-- - - - - $0.00 Cash Advance Credit Line $6,300.00 Cash Advance Credit line Available $0.00 YOU may 166 01616 to avoid Interest Charges, sec, Additional Important Information for dolaits- Cashback Bonue Anniversary Month January Opening Cashback Bonus Balance $ 0.00 Now Cashback Bonus This Period * 0,00 Cashback Bonus Balance $ 0.00 To lean ,note, fog in III www.Discover.conr 3 Easy Ways to Contact Us 1. Access your accounl securely at www,Di=over.com 2, Call 1.900-DISCOVER 11-800.3A7-2683) Please have your DlscoyerOcard available. _ -, 3, Write to us oLD,fscover, PO Box 30943, Salt Lako City, UT 8A 130 (Nat a payment addressl For payments, please .and to address on remiNance or Discover, PO Box 6103, Carol Stream, IL 60197.6103 For TDD (fofecommunications Device for the Deaf) assistance, please call I.800-347.7AA9. Payment Information New Balanco $12,621.83 Minimum Payment Due' $1,76A.00 Payment Due Dote /%pril 22, 2011 'Includes past due amount of $1,511 ,00 tale Poymoni Waming: If wo do not roceivo your minimum payment by the date fisted above,, you may have to pay a late foe of up to $35.00 and your purchcaso and balamo transfer APRs for now transactions rray be increccorJ up to ilia Penalty APR of 20,24% variable. Minimum Payment Wanting: 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: ff you ma d rwk Yuu will pay aff}t o 11 eed And You 11 r;d?ittonal;chafgos ,. k?altihce elro+vn on up paying an aging this ry d anal _ his it "lion oaf to gsllniate 3 Iota; =?h , oach.morfi-yctu pay .': ai5ou?.. Only the minimum 15 yearn 116,012 payment if you would like information oboul cra&l counseling service,, call 1-800-347,11 121. Manage Your Account Online at www.Discover.corn Access fr6e online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills onlino and easily track all transactions Makr3 yiwi iocinay ?vottii mbte'W-find easy vJays 16 earn and rodeern cash rewards NEWI Access your account securely through your mobile phcne Transactions Trans. Post Dale Date Foos Mai- 22 Mar 22 LATE FEE 35.00 TOTAL FEES FOR THIS PERIOD 35.00 Interest Charged INTEREST CHARGE ON PORCHASES $ 52,35 INTEREST CIfARGE ON CASH ADVANCES O.OU INTEREST CHARGE ON BALANCE TRANSFERS 0,00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC Y CR Paperless statements mean less clutter, more convenience Easi;y access up to 2A rnonths of downloadable, password protected i1, tenicnts. • See your statement as soon os it's nvoil0ble tourer than wciit for it to arrive in your mailbox. • Get helpful payment retninc ers through ernail or text messages on your rnobkle phow?. Print a paper copy of your statement unylime. • Sign up today rat Discover.com/paperless <•2t110 finawer Ilonir, Nrmhnr iblC Lnl'tR C."1?il Transactions L Trans. Post Cont.) Date polo > 0 ?a Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 52.35 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 £ 145.00 TOTAL INTFRFST CHARRED IN 20i 39.5A Questions? Visit www.Discover.com or cct41 1-800-DISCOVER(I-800347-2683). DISCOVER ?1S4?VE? !Tt?paCy to C iCATNY YPiAUB Arcount nurnber Gliding in 8200 pogo 2 of Interest Charge Calculation Your Annual Percentage Rate ;APR) is the annual interest rate on your acccun!, Current Billing Period: 28 days TYPE. OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INIERE5T CHARGE RATE IAPRI INTEREST RATE- Purchases' 11 / 16/2010 and after 125,7A% V $3592 $'O.a 1 08/1612010 to 11/15/2010 10.24% V $41 1.23 93.23 08/ 15/2010 and prior 5.24% V $12,112 .56 $.A8.? 1 Cash Advances 23.99% V Y:0 ?;0 V = Variable Rate • Dales apply to norrpromoiional purchasos and to ozpirod promotions with start antes withir the specified doie rang, Information For You "' ATTENTION I *" Your account is seriously past due. Poyman! of the amount rue and arrangement- lot 6oturo payments should be made immediately. Soo your Cardmember Agreement, Your Cardntomber Agreement contains all the terms of your Account. Lost or stolen cards. Report immechatoiyl Call 1.800.347-2683. What To Do tf You Mink Yau Find A Mistake ?n Your Staternanf 1f you think there is an error on your statement, write to us at: Discover, PO Box 30,121, Salt Lake City, UT 841300:121, In your lottar, give us the following inforrnotiow Account information: Your name and account number. UoBar amount: The dollar amount of the suspected error. Ppesai lion ,f Problem: If you think there is an error on vaur bill, dov:tibe what yap believe is wrong and why you believe Pi, is a mis a o. You must contact us within 60 days after the error appeared on your statement. You m:usl notify us of any potential errors in writin . You may, call us, bet if yw do we are not required to investigate any potential errors and you may hove to pay T& amount in question. While we investigate whether or not there has boon an error, the following are true: We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine shot we 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 io pay Iho amount in question, you are resoansiblo for the remainders of your balnneo. • We can apply any unpaid amount against your credit limit. Your Rights if You Are Wssatisfied With Your Credit Curd purchasos if you are dlssoti3had'wilh the ggodds"or'sorvittss'lhuf'ytin havefsurchased with your-etclitcard ; and you have tried in good faith to collect the prgblern 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 f00 miles of your current mailing oddross, and the purchase price most have boon more than $50. (Nolo: Neither of those 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 cord for the purchase. Purchases made with cash advances from on ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writirr at: Discover, PO Box 30945, Salt Lake City, UT SA /3409/45 While we investigate, the samo rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our declslon, At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Payments. Send only your payment and the top portion of this dotemeni in the envelope provided. Do not send cash. By sondmg your check as dosenbed above, you authorize us to use information on our check to make, an electronic fund transfer c your account at the financial institution indicated on your check or fo process the payment as a check transaction. If puymeni 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 snake an electronic fund icon-.far, funds may be withdrawn from your account as soon as the same day via rocorve 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, corrospondanco or other items with your poymont, if you Bond rite payment o any other oddross or if you use an anvelot>e offrer than rho one ptovidad, Paymon s recervod in proper form at our.procestlrtgiacility-byy.SPM 1ocgl time_co,onytlayy_viilLbn.credifad to your Account as of that day..Pnyrnents ?ceived at our processing facility after 5PM local time will ba credited to our Account as of the next day. If you Nava misplaced your envelope, send your payment to Discover, PO Box b 103J Caro! Stream, Il 60197•b 103. Please allow 7- 10 days for detfvary. If your payment is returned unpaid, we'. o'e the "g t to re5uf mfI II a5 on eleCtfamc debji NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You roe pay your scheduled monthly payment or a grooter amount Ihat doe, not exceed your aemaining current account balance over the telephone of you can sole() aulomahc payments through a customor sorvuo reprosenlahvo by tolling 1-800347-2683. Autornatic payments will be deducted on the payment duo out,, unless you request a oaymont date Ihol occur before your payrnont due date. If your scheduled payment date falls on a wookonc or bank holiday, your payment will be prow :',ed the buzmoss day pt for to The weekend or ban[, holiday, in order to schedule monthly paymenib by telephone, you wil. need this stolement and your bank account information. You will be asked lo pprovide the last four JA) oigits of the srx:iol secunty numbor of the primary borrower. By providin those numbers as yovi oloclronic signaturo, you will be agrooma to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, from your bunt: account. You also aulhorize us to iniliafe debit or credit entries to your bank account, as applicable, to correct on error in t1,P procossing of -such pay/merit. You can cancel a scheduled payment by phone at 1-900.34'7-9683 or by mail of life coriospondenco address listed above; however wo must receive notice at lonsf Ilueo 6vsinoss dayys in advance of the scheduled payment. if ycur payrnenls may vary in amount, we wlh tell you on each monlhiy slatomeni whon your payment will be made and how much it will bo. You must ensure that sufficiont funds are ovailaba in your bank account, and all transactions must comply with U.S. low. If your schoduled payment is not enough to coyer Ihe'rolal Amount Duo as listed on your monthly billing statement, yyou will be responsible for paying the difference. Your oulornatie paynront amount may bo loss than Ike amount indicaled on ilie periodic statement bated on credits or payments after The closing dato. If yea enroll by phone in our automatic payment service, ploo?e Fill-in the following blanks below and retain The authorization for your records. Amount Full Pay ? Min Pay U Min pay + Sank Routing Bank Account Ftoque,-tcy:,--.-,--, Credit Reporting. We may report information about your Account to credit bureaus, late payments, missed payments, of other defaults on your Account maybe reflected in your credit ropon, Wo normally report the stales and payment history of your Account tvrredil. reporting ogen•:ies each month. If you believe thatour re art is maccuraI or incomplete, please write us of the following address; Discovor, PO Box 15316, Wilmington, DE 14850-.5316. Ploasu indicaito your nume, oddross, home telephone number and Account number, Pay lnterosY. %Ale begin to impose 1nISM4 charges on a transaction, fee Of interest charge from the day we add it to rho da?1iyngg bolarrre, We continue to impose interest charges until you pay tie total amount you owe us. You can avoid paying interost on Purchoses as described below. However, you cannot avoid paying interest on Balance Transfers or Cosh Advances. How to Avoid Paying lilt-test on Purchases I"Grace Period" If you paid The Ii Balance on your previous 151 Zing statement by the Paymorrt Due Date shown on that billing statement, we will not impose interest charges on new Purchases, or any portion of a new Purchase. poid by The Purchase Duo Date on your current hi{f;n9 statement. new Purchases are Purchases that first oppoor on the current balking statement. Haw W?o Apps PP menus MayIImpact Your Grote Period It you da not pay your hlevo Balance in u each month, Ten, depending on this balance to which we apply ycur payment, you may not got a grace period on new Purchases. How We Calculate interest Charges - Daily Balance Method (including current transactions): We calculate interost charges each billing period by first hg uring the "daily balance" for each Transaction Category, Transaction Calopori" include standard Purchases, standard Cash Advances and different promotional balances, such as Balonre Transfers. How We Figure the Daily Balance for Each Transaction Category We start with the beginning balance for each day. The beginning balance Ica the first day of the billing period is your balance on the tall day of your previous billing period. We add any interest charges accrued on the previous doy's dally balance and any new Transactions and fees. We add any now transactions or fees as of the later of the Thor;saction Dote or il,e first day of the billing pcriod in which the vainsection or fee posted to your Account. We subtract any now credits and payments. We make other adjustments (including those adjustments required in the "Paying Interest" soclionj. How We Figure Your Total Intorost Charges We multiply +e daily balance for oath Transaction Category by its daily periodic rate. We do this for each dny in the billing period. This gives us the interest charges for each Transaction Category. To, got a daily periodic rate, we divide he APR that applies to the Transaction Category by 365. We add up all the daily interest charges, the sum is the total interest charge for the billing period. How We Include Fees We add Botance Transfer Fees to The opoliccili Balance, Transfer Transociian Calogory We add Cost) Advance Fees To The applicable Cash Advance Transaction Category. We add all other fees to the standard I'urchosu Transaction Calegory. Balance Subject to interest Rate. Your statement shows a Balance Subject to Interest Rota, It shows this for each honsoction cotegary, The Balance Subject to Interest Pale is Ihn average of the daily balances during the billing uea iod. For TDD (Telecommunications Devito for The Daaf) assistance, please call 1-800.347-7449. Discover may monitor and/or record telephone calls between you and Discover ropresentPlivos for qualify assuranco Purposes. The Discover6'cord is issued by Discover Bank, Member FDIC t'ZNFMII Questions? Visit www.Discover.com or DISCOVER call 1-800-DI5COVER (1.800.347-2683). C:'OURT 01! COI1 N' ON I'l,E,A:S C'Ut19I3ERI,AND C(,LJN'I'Y D1-'4,'t}VFR BANK, Pinint.in', Docket Ni. 11-6471 MVII, V. KATIIY A. KNAUB, Delbudant DEFENDANT'S ANSWER AND AFFIRAIATI"E DEFENSI?.S Delendant, KA"I HY A. KNAUB, by and through undersigne.I counsel, hcreby tiles ttris Answer and mirmative Defenses, and as grounds therefore status as follows ANSWER Withow knowledge, theref?orc: cfc;nic(i. Admit. L)clundGInt admits only that she used a DISCOVFIZ B? NIA. credit ctiucl. 11 Defendant admits only that she used a DISCC)VEAR BY.N.K credit card. 'i Denied. 0 Denied. Dek"Il §arlt adn-iits only that a demand has been n ade, but denies ov ing the balance claimed by Plaintiff, and demands strict proof thereof. t+= , Ally <dl+r,atiori not expressly admitted ?,ibovc is hereby dcni d_ Additionally, without adnlittiri ? l my of the allegations set Adh in Plaintiff"s (Awnplaint, Def ?ndant raises the Allowing AnInuative Dcfcnses: Mrst Del-ense - Lack of Consideration The s>le consideration tier the ori?i[lilt ion of the 'tccount was Plaintiff's promise to advance U.S. < urrency. Plaintif'l'did not ads L.ncc any U.S. (."urrcrlcy ill exchange lbr issuance and delivery ?f any promise to pay by Del°c?nd?ult. 1. Second Defense - Lack of Standing Plaintiff lack standing to sue because, upon in ormation and bcliell the real party in interest is a Quahtied S wAll lRupose I- ntity ..Crust (QSPE_i 'Crust), a Weign bust engaging in commerce without autllo izatiOll from Pennsylvarna Secretary 01' Statc or Pennsylvania's Department CI' Business 6 Protessional regulation. MAIM, not have the authority to sue in a representative capacit., because Plaintiff is not the `Crustec orihe Quaked special Purpose Entity"Trust (QSPI "trlast). i A 'T'hird Del'inse - Failure To Mitigate Danmgeq -- Ply intifl'S ComplahA must fail duce to its failure to mitigate damages in that PlaintifT never gen finely availed itself' of the opportunity to resolve this matter for a reasonable sum prior to the it ?titution of litigation and ,IS a result, its demand is artificially inflated by unnecessary interest, pl nalbes, Lind attorney's fees. 13y way of example only, Ddendant was willing to negotiate a reasonable sctt.lement with PLInitiP, at the outset of her linancial m-oblems. Plaintiff howevc, in suite of dnc atiirinative duty to rniligatc any perceived damages. elected to adhere to its Ion; standing policy ofrellusii to ilegUtiatC nnks?, Delendilnt's account was in a "default- tiiatus, I leading that Dc- endarlt "'wa hChind in p?lylllents. Upoii the account becoming dchnqueant rather than negotiating ?, roasotrahle seltlenacnt with Dolend nit, Plaintirl' cn1d iyctt counsel to We soil as a result of the default %vhich Dercndunt was told was a pre-r (JUisitc to settlement di. logue. ,upon intbrnit?,tion and beIicf, Plaititi IT is now, unnecessarily obIigatcd to pay its counsel a M i eiwy (ce, on top of the rtnnccessary court costs, till orwhWh could have been avoWd if M AnWhad negotiated "Ali Delerldant in good faith at the outset. I i. Four-th Dek-nse --Statute Of L,imitatQns -- Upoi information and hehcfl Mintil - rlainis ntay be hrttr d by to applic.ahk Statute or IAiit;.itiot s. M 1FRIAORk, Delcndant respectfully requests this Motion )lc. C'taurt entcr an Order dismissing f'laintil1's Complaint and further Mmndng any other such r= hef'deemed necessary and proper. CER'I 1 IC.A I E O SERVICI 111HRE:13Y (TR'HFy Ih?tl a true acid correct copy Ol'the l'Jore wim.; Was sent via Replar U.S. Mail to David J. Apothaker, f,'sd., Apothaker & Associates, P -'., Attorneys for PlaintifT, 520 Fellowship Road ('300, Mount Laurel, NJ 08054, on October 12, 2011, 11 ',NRY VORTNE , ES ?. Bar W: 17599 C'ONSt_iMFR ATTORNE YS OF AMLRICA, P.A. Attorneys for Defendant Suite :305 5379 Lyons Road Coconut C'reck, F1, 330' 3 Telephone: (888) 80 l- 1361 Facsimile: (954) 671- 171 Our file No.: 322891 Al'OT1-I:aKGR & ASSOCIATES. P.C. BY: Jordan W. Felzer, Esquire Attorney LD.;# 38670 S20 Fellowship Road 0306 Mount Laurel, NT 08054 (900.) 672-()215 Attorneys ltAr Plaintiff DISCOVER BANK Plaintiff, Vs. KATH Y A KNAIJB Defendant. COUR71" OF COMMON PL> -;AS 01? CUMBERLAND COUNTY DOCKET NO.: 11-6471-CIVIL Civil Action ANSWER TO NEW MATTER Plaintiff, DISCOVER BANK, by and through their attorney, answers the following New klatter: 8. Denied. Plaintiff's claim is not barred by Failure of Consideration. 9. Denied. Plaintiff is the Original Creditor. 10. Denied. Plaintiff has not breached its Duty to Mitigate. 1 1. Denied. Plaintiffs claim is not barred by the applicable Statute of L.imitatioils. WHEREFORE, Plaintiff demands that Defendant's New Matter be dismissed. APOTLIAKER & ASSOCIATIrS, P.C. Attorneys for Plaintiff A Lave Firm Engaged in Dent Collection 13Y: orlon W. I elzer, Esquire DATED: October 19, 2011 VEIUFICATION Jordan W. Fe,1zer. Esquire hereby states that I an) counsel (or plaintiff in this action, and that I am authorized to take this Verification, and that the statements made in the Coregoing Answer to New Matter are true and correct to the best of m_y knowledge, information, and belief: The undersigned understands that the statements therein are made subject to the penalties of 14 Pa.C.S.A. 4904 relating to unsworn falsification to authorities. J dan W. Felzer, Esquire ornev for Plaintiff DATE: 10/19/2011 Our file No.: 322891 APOTHAKER & ASSOCIATES, P.C. BY: Jordan W. Felzer, Esquire Attorney T.D.# 38670 520 Fellowship Road ('306 Mount Laurel. NJ 08054 (800) 672-0215 Attorneys for Plaintiff" COURT OF COMMON PLEAS OF DISCOVER BANK ) CUMBERLAND COUNTY Plaintiff, ) DOCKE'T' NO. 11-6471-CIVII, vs. ) KATHY A KNAIIB ) Civil Action Defendant. ) C17RTIFICATION OF SERVICE I, Jordan W. Felzer, Esquire, attorney for Plaintiff, certify that on 10,'19/2011,1 hailed a copy of the Answer to New Matter by Regular snail to HENRY PORTNER, ESQUIRE CONSUMER ATTORNEYS AMERICA 5379 LYONS RD #305 POMPANO BEACH, FL 33703 I W. Felzer, Esquire v for Plaintiff Date: 10/19/2011 APOTHAKER& AssocIATES, P.C. ATTORNEYS AT LAW October 18, 2011 CONSUNI F',R ATTORNEYS AMERICA A'TTN: HENRY PORTNER ESQ 5379 LYONS RD 4 305 POMPANO B ACI-I, FI, 33073 RL?. DISCOVER BANK v. KATHY A KNAUB DOCKET NO.: 11-6471-CIVIL OUR FILE NO.: 322891 DEAR HENRY PORTNER: Enclosed herein please find our Request for Admissions, Interrogatories and Request for Production to be answered by your client. Kindly have same answered within the time prescribed by the Rules of Court. Very truly yours, APOTHAKER & ASSOCIATES, P.C. /AF. 520 Fellowship Road, 0306, Mount Laurel. N.1 08054 856 780.1000 856 780.1020f' 215 634.8920 215 634.8421 f 800 672.0215 800 757.4928f info6)anothakei-xom Our File No.: 322801 APO'1'HAKER & ASSOCIATES, P.C. By: Kimberly F. Scian, Esquire Attorney I.D. 455140 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 DISCOVER BANK ) } Plaintiff ) vs. ) KATHY A KNAUB ) Defendant ) ('01IRT OF COMMON PLEAS OF CUMBF,R]_,AND COUNTY NO.: 11-6471-CIVIL Civil Action P'LAINTIFF'S FIRST REQUEST FOR ADMISSIONS, INTERROGATORIES AND REQUESTS FOR PRODUCTION To: KATI-IY A KNAUB, Defendant, by and through Defendant's attorney of record, HENRY PORTNER, Esq. Pursuant to Pennsylvania Rules of Civil Procedure §4005. §4009.1 et.secs. , and 54014 you are directed to respond to the attached Requests for Admissions, Interrogatories. and Requests for Production separately, fully, and in writing. You should deliver a true copy of your responses to the undersigned attorney by the deadlines stated below. Kin berly}I Scian, Esquire Attorney/fur Plaintiff Attorney LD. #55140 520 Fellowship Road 0306 Mount Laurel. NJ 08054 (800) 672-0215 Dale: October 19- 2011 DEFINITIONS A. "Issuer" refers to DISCOVER BANK. 13. "Account" or "the Account" refers to Account Number 6011298725338200 with DISCOVER BANK. C "Card" or "the Cird" refers to the credit card that was issued on the Account. D. "Defendant," "you," "your," or "yours" refers to K4TIIY KNAUB E. "Plaintiff' refers to DISCOVER BANK and enconnpasses any person, employee, or other entity authorized to act on Plaintiff's behalf. F"Charge-Off date" means April 30, 2011. G. "Charge-Off Amount" means $12621.84. H. "Open Date" means January 24, 2001. "Last. Pay Date" means January 27, 2011 J. "Identify", as used herein with regard to a person, shall mean to provide the following: (1) the person's full name; (2) any other names the person uses or has used in the past; (3) the person's residential address and telephone number; (4) the person's business address(es) and telephone number(s); (5) the person's employer and job title, (6) if the person is a former employee of Defendant, the person's last job title while so employed, and the date of termination; and (7) if the person is not an employee of Defendant but has some other connection with Defendant, for example, agent, independent contractor, officer, director, or customer, the person's connection with Defendant. K. "Identify", as used herein with regard to documents or tangible things, shall mean to describe such documents or tangible things by title, present location, usual location, custodian, and contents. L. The word "document" is used herein in its broadest sense to include any medium upon or with which information is recorded or preserved which belongs to, or is in or subject to the possession, custody or control. of Defendant or Defendant`s attorneys, agents, employees, trustees, representatives, professional accountants. and any attorneys with whom you may claim the right of joint defense privileges or special relationships, by whomever generated or received, including without limitation: writings; printings; drawings; graphs; charts; notes; typewriting, photographs; slides; motion pictures; videotapes or cassettes; phonograph records; tape or other mechanical recordings, ledgers; books; statements oi' acenunts,.journals: notices; letters; catalogs; canceled checks; bank statements: invoices; bills: diaries; purchase orders; memoranda of telephone communications; telegrams; telexes or -"I'Nw'X's"; telecopies; drafts or preliminary versions of flee foregoing; communications to or t?roni any governmental or law enforcement subdivision., officer, or agency; and any other instrument, writing, recording, or data compilation of any nature whatsoever, including any carbon, photographic, microfilm or other type of copy of such items, whether or not such copy is different from the original by reason of any markings, additions, commentaries, revisions. deletions, or substitutions. M. "Communication" shall include, but is .not limited to, any oral communications, correspondence, memoranda, reports, records and/or recordings of telephone calls and reports of meetings. N. "Person" meads an individual, corporation, trust, partnership, incorporated or unincorporated association, or any other legal entity. Instructions Regarding Requests for Admissions PUrsuant to Pa.R.C.P. No. 4014, you are requested to admit the truth of each of the matters stated below. You are to respond to each of the following requests within thirty days after service, by delivering or causing to be delivered to the undersigned attorney a statement admitting. denying specifically, or objecting to each matter of which an adrnissiori is requested, or stating in detail the reason(s) you cannot truthfully admit or deny the matter. Your response must be in writing and verified. Be advised that the matter is admitted unless, within thirty days after service of the request. or within such shorter or longer time as the court may allow, the party to whom the request is directed serves upon the party requesting the admission an answer verified by the party or an objection signed by the party or by the party's attorney. Please note that if after you submit your responses to these requests for admissions, you learn that any such response was either incomplete when made, or, although complete and correct when made, is no longer complete and correct, you must amend or supplement you response reasonably promptly after you discover the necessity for such an amendment or supplementation. Plaintiff will object at trial or any hearing to your use or attempted use of any evidence that is inconsistent with matters that you have admitted or that you have failed to deny on a timely basis. REQUESTS FOR ADMISSIONS 1. Defendant applied to Issuer for issuance of the Account. 2. The Account was issued to Defendant. 3. Defendant received the Card. 4. Defendant accepted the Card. 5. Defendant signed the back of the Card. 6. Defendant used the Account to make purchases. 7. Defendant used the Account to obtain extensions of credit. 8. Issuer made cash advances to Defendant, either as actual cash or in payment for purchases Defendant made from third parties by using the Account. 9. Defendant accepted each such advance on the Account. 10. By accepting each such advance under the terms of the agreement applicable to the Account, Defendant became bound to pay the amounts of such advances, plus any additional charges provided for in such agreement. 11. Until at least the Charge-Off date, Issuer sent to Defendant, on a montl-ily basis, a statement of charges and balance due on the Account. 12. Defendant dial not, within sixty days of the date of any billing statement on the Account, send to Issuer a written dispute of the billing statement. 13. Defendant has failed to repay all of the advances made by Issuer oil the Account, 14. The above listed Charge-Off Amount is the correct balance due, owing. and unpaid on the Account, after allowing all just and lawful payments. credits and offsets, as of the Charge-Off Date. 15. Defendant has made no payments on the Account since the Charge-Off Date. 16. At least forty-five days before defendant was served with the Original Complaint in this case defendant received a letter from Plaintiff's attorneys requesting payment of the ,Account. 17. Plaintiff is presently the owner of the Account. 18. Defendant is indebted to Plaintiff for the amounts asserted in Plaintiffs Original Complaint in this case. Instructions Regarding Interrogatories Pursuant to Pennsylvania Rule of Civil Procedure No. 4005, you are to respond to the attached interrogatories separately, fully, in writing, and under oath. You should deliver a true copy of your responses and/or objections to the undersigned attorney within thirty days after the date of service of these interrogatories. To the extent that may be required by the applicable rules of procedure and evidence you are hereby notified that Plaintiff intends to use any and all answers to the attached interrogatories as evidence at trial or any other hearing h this case. Please note that if after you submit your responses to these interrogatories, you learn that any such response was either incomplete when made, or, although complete and correct when made, is no longer complete and correct, you must amend or supplement your response reasonably promptly after you discover the necessity for such an amendment or supplementation. Any amended or supplemental response made less than thirty days before trial will be presumed not to have been made reasonably promptly. A failure to make; amend, or supplement a response in a timely manner may result in your not being able to introduce into evidence the material or information not timely disclosed. INTERROGATORIES 1. Identify all persons who participated in the preparation, of the answers to these interrogatories. 2. If Defendant denies having received the Card, identify any persons whom Defendant believes may have received, accepted or used the Card. 3. if Defendant denies having used the Account, identify any persons whom Defendant believes may have used the Account and state whether each such person was authorized by Defendant to use the Account. 4. If Defendant denies having received monthly statements of charges and the balance due on the account from Issuer until at least the Charge-Off date, state the factual basis of any such denial. 5. If Defendant denies having accepted each advance on. the Account, whether as cash or as payment for purchases, identify each advance or charge on the Account that Defendant disputes. 6. If Defendant disputes the balance being sought in this matter, state the balance that Defendant believes to have been due on the Account as of the Charge-Off date and explain how such balance was calculated. 7. If Defendant contends or believes payments were made towards this account subsequent to the Charge-Off date that are not reflected in the suit balance, state the date and amount of each such payment. 8. if Defendant contends or believes the charges comprising the account are unreasonable then, with regard to each charge comprising the Account which Defendant contends or believes to be unreasonable, state the factual basis for this opinion. 9. If Defendant contends or believes that the debt that is the subject of this slut is the obligation of any person or entity other than Defendant, identify such other persons or entities and state the factual basis for this contention or belief. 10. 1 f 'Defendant contends or believes Plaintiff is not the current owner of this account, state the factual basis for this contention or belief. 11. Identify all persons whom you intend to call as witnesses at trial, expert or otherwise, other than rebuttal or impeaching witnesses the necessity of whose testimony cannot reasonably be anticipated before trial, and, where applicable, state each such person's anticipated testimony and the opinions of each such person concerning the subject matter of this litigation. 1?. ldentify all persons whose mental impressions or opinions have been reviewed by any person whom you may call as an expert witness at trial. Instructions Regarding Requests for Production As to each Request for Production set forth below, the requested items are to be produced rind delivered to the undersigned attorney at 520 1, ellowship Road 0306, Mount Laurel, NJ 08054 for inspecting, copying or photographing pursuant to Pa.R.C.P. 4009.1 et secy.. unless defendant objects to same. These requests apply to all described documents and tangible things over which. Defendant has possession, custody, or control, and production is to be made Nvithin thirty-five daps after the date of service of these requests. All original documents produced and identified as such shall be returned to Defendant within thirty days following receipt thereof. Privile?,,ed Documents: If you withhold any documents based upon a claim of privilege you are to provide a log of such documents, listing them by date, title (or description if untitled), author. and the specific privilege asserted. Lost, Discarded or Destroyed Documents: If any document requested herein has been lost, discarded, or destroyed, please identify such document by providing the following information in your response: 1. Description of document; ?. Date of disposal or loss; 3. Manner of loss; 4. Reason for disposal or explanation of loss; 5. Person authorizing disposal; 6. Persons having knowledge of disposal or loss; 7. Person disposing of document. Authentication and Use at Hearings and Trial: You are hereby notified that all documents produced in response to this request will be used in any pretrial proceeding and at trial. REQUESTS FOR PRODUcriON I . Please produce all correspondence between Issuer and Defendant, along with proof of sending and receipt: of such, including, but not limited to, the following: a. Credit card statements; b. Balance disputes or individual transaction disputes; c. Customer service correspondence; d. Yost-Charge-Off correspondence. 2. Please produce Defendant's checking account records for the six rnont:h period beginning four months prior to the I..,ast Pay Date and ending one month after the Last Pay Date. Please produce true copies of all payments made on the Account. 4. If Defendant contends or believes that the debt that is the subject of this suit is the obligation of any person or entity other than Defendant, please produce the documents on which any such contention or belief is based. 5. With regard to each person you may call as a witness at trial, expert or otherwise, please produce the following: a. The person's resume or curriculum vitae; b. Any notes reviewed by or pertaining to an expert's opinion; c. Any reports reviewed by or pertaining to an expert's opinion; d. All documents and materials reviewed or relied upon by any such person or expert in preparing any such report; e. All correspondence between you or your attorneys and each such person or expert. 6. Please produce all correspondence between Plaintiff (or any of its attorneys) and Defendant (or any of Defendant's attorneys). Please produce all witness statements pertaining to this litigation. APOTHAKER& ASSOCIATES, P.C. ATTORNEYS AT LAW December 16. 2011 HENRY PORTNER ESQ ATTN: HENRY PORTNER ESQ 5379 LYONS RD 4305 POMPANO BEACH. FL 33073 RE: CURRENT CREDITOR: DISCOVER BANK YOUR CLIENT: KATHY A KNAUB DOCKET NO.: 11-6471-CIVIL OUR FILE NO.: 322891 DEAR HENRY PORTNER: Please be advised that your client's answers to Discovery are now overdue. Please forward said answers to our office within ten (10) days of the date of this correspondence. If we do not receive same within that time, we will proceed with a motion to strike the defendant's Answer for failure to answer Discovery. Very truly yours, APOTHAKER & ASSOCIATES, P.C. /AF 520 Fellowship Road, C306, Mount Laurel, NJ 08054 856 780.1000 856 780.1020f 215 634.8920 215 634.8421 f 800 672.0215 800 757.4928f info@apothaker.com r a , Y W?i 1 4 t a 2 W t ' ? X41. '? [I Ad sa'SP i a A, f ?•? l ..J \ Ilk. - i 1 • l ` mow. C l ` ru 791 C3 419 4 +? 'a a slC,ti ,;?i uIl t :c x y DISCOVER" PLATINUM IMPORTANT INFORMATION ABOUT YOUR ACCOUNT CARDMEMBER AGREEMENT I The terms and conditions of your Account, including how we calculate finance charges, our fees and an Arbitration of Disputes section..... SEEPAGES 1 - 10 PRIVACY POLICY - A summary of the personal, information we collect, when it may be shared with others, how we safeguard the confidentiality and security of information and the steps you may take to limit our sharing of such information with others ......... SEEPAGES 11 . 13 BILLING RIGHTS Important information about your rights and our responsibilities under the Fair Credit Billing Act .... . ...... .... SEE PAGES 13 - 15 CASHBACK BONUS® TERMS AND CONDITIONS The terms and conditions of the Cashback Bonus® award program, including a description of how we calculate the award and how it is paid ............ ............................. SEE PAGES 15 - 17 DESCRIPTION OF COVERAGE The terms and conditions of the Scheduled Air Travel Accident Insurance and the Secondary Rental Car Collision Coverage that is provided at no charge to you when you use your Card to purchase airline tickets or rent an automobile ..... SEE PAGES 17 - 24 9000 © 2001 Discover Bank„ Member FDIC 314001.0801 C Vb0 ? 7? `° ? -? w r- U U%y' O N N 7 ? O A 5 m ? ? c c _- air ? ? ro mss ? x ? m `{ c m aGi w ? u`, iO _ v ocq n?myw o=aC° a wcEo'- dro?Eo? n? ?ro '" °;"Oo>>-AC?o'?U mti U" ? omo?? ?° cU?3?..? max a-° ?,m y Q 0 rot w OX11 r. G 55, y?.7?'co0a .cm OwGQ-w OcnO 9¢wd ?g-w, do ; C ?,?•? ?? `?=LL.?C} i1 Uu. p??? 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N m3 >E ? 5 gs o yy E cs " 7°' pros al c p3 y-° 61 NN N3 o-a L) -o O 4m O?9 N mC rG NmyNj A? 001yW . ro p M D'C??\ 1?p J 1/ 1? New Balance Minimum Payment Duel Account Number ending in 8200 l l d B $11,316.23 $221.00 ose e _nter Amount Enc ow Payment Due Date $ 1 March 26, 2007 Please make check payable to Discover Platinum vercard @ Di om li C d sco .c . or pay on ne ar 27 SDSN6A01 0022159 Tired of buying stamps? Go mobile! Make KATHY KNAUB and schedule payments from your phone 165 SALEM CHURCH RD with the Discover app. Its fast and Ws free. MECHANICSBURG PA 17050-2835 Download now atdiscover.com/apps PO BOX 71084 Illrrrllrrrrrls?Irrrlrrr CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space 111I1II 1111 nil III 1111111 111111111 1111 1111111111 111 11 111 1111111 above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986618140952214111162300225000022100 r c Discover Platinum Card Account Summary Closing Date: February 27, 2007 page 1 of 2 Account number ending in 8200 Previous Balance $0.00 Payment Due Date March 26, 2007 Payments And Credits - 245.00 Minimum Payment Due $221.00 Purchases + 11,263.17 Credit Limit $11,600.00 Cash Advances + 0.00 Credit Available $483.00 Balance Transfers + 0.00 Cash Credit Limit 800.00 $5 Finance Charges + 98.06 Cash credit Available , $483.00 New Balance = $11,116.23 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback BonuSe Opening Cashback Bonus Balance $ 29.18 New Cashback Bonus This Period + 0.00 Redeemed This Period 20.00 C ..._ry........... ashbdik Boniis? Anniversa Cashback-BonusBalance ._ 9.18 Month: January Cashback Bonus(R) is America's # 3 Cash Rewards Program[ Full 5%Cash6ack 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? 1. Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Feb 26 Feb 26 PAYMENT- THANK YOU $ -225.00 Award and Rebate Credits Jan 30 Jan 30 REWARD REDEMPTION CREDIT -20.00 Ctther/MisceOaneous Jan 26 Jan 26 TRANSFER OF BAL FROM 6011 2987 9094 8362 11,263.17 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01616%; corresponding ANNUAL PERCENTAGE RATE: 5.90%. Rote is subject to the terms of the offer including expiration. 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 lag an to Discovercard.cam 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 Discoverhomeloons.com and get a response in just 30 secondsl Please reference invitation number DCS207207N when you apply. Important Information. If there is more than one page to this bang statement, seethe back of each page for additional important frdonnation. See your Cardmeinber Agreement YourCardmemberagreerrrent witlans at tie terms of WA.azamt. Lost or stolen cards. Report immediately! Call tAD347.2683. Billing Rights Summary. In Case of Errors or Questions About Your Bill. If you lNnk.your bill is wrong, or i you need more i famration about a transaction on your bill, write us on a separate sherml of paper at Discow, PO Box 30421, Salt Lake City, UT 841 "211, as soon as possible. We must hear from you no later than 60 days after we sere you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter. give us the following infamatom Your name and Aocotml number The dollar amount of the suspected errs Describe the error and explain. if you can, why you believe there is an error. If you need more information; describe the item you are unsure about You do not have to pay any amount in question while we are investigating. but you are Sig oWiliated to pay the parts of your big that ale not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect ft amount you question. Special We 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 tried in good lath to correct the problem with the merchant, you may not have to pay the ramanng amount due on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in yourhorne We or within 100 miss of your malag address. (If we own or operate the merchant, or 4 we meted you the advertisement for the good or services, tag the parchese are covered 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 swing your dheck as described above. you a diorize us to use nfamaaon on your ,chock to metre and electronic fumed transfer from you account at the financial nstiWUar indicated on ydwt died or to process the payrnerit as a check transaction. if the payment is processed as an electronic find transfer, the transfer wig be or the armuat of time died. When we use nfornisdon from your tack to make an electronic find transfer, (hinds may be withdrawn from your account as soon as time same day we receive you payment and you will not receive your check bed from yon financial Inatituban. The processingof.ywrPayment maybe delayed i(yousend.cash„coaespomienceor.otteritemswithyor.psymem,illyousend itpaymemtoany.olDer.addit ordyouusean envelope other than the one provided. Payments received in properfam at our processing fac*y by 5PM local time onarty day wil be credited to you Account as of that day. Payments received at ourproeessng facility after 5PM local time wig be nxedifed to yourAcuoutt asot the next day. If you have mispiece i your envelope, send your payment to D scowr, PO Box 6103, Cad Stream, IL 601976103. Neese allow 7-10 days for degvery. 9 your payment is reomedrnpaid, we reserve the right to resubmit it as an electronic debit You can pay yourmnimum payment or a greater amount over this Wephone,zill you can set up automatio payments. Cal us at 1-8043412663. You will need this statement and your bank account stkmalion. You must ensure that suffmi .l nds ate availdmle in your bent amou i, and all transactions must comply with U.S. law You wa be asked to provide the fast 5 digits of you account statement ZIP code. By entering those rsarhbers as yorelectronic signature, you will be agreeing to this sul ori;ui ion to allow us and your bank to deduct each paymad you aultho ize from your bank account ad to initiate debit or credit entries to your bards sccormt, as applicable, to correct error in the processing of such payment You must fell us the ernountof each paymerht, or you can select an amount such as kdrhiaarn Paymertt Due or the New Balance on each statement. You can cancel a payment, however we must receive notice at West three business days in advance of the scheduled payment You may notify us by phone at 1 00-347-2683 or by maim at the address listed in the previous paragraph. If your payments may vary in amount we ail 10 you on each monthly statement when your payment will be made and how much it will be. Your Automatic payment amount may be less Ahern the indicated on the monfhly statement based on credo or payments applied during the balling cycle. Credit Reporting. We may report information about.your account to gait bureaus. Late payments, missed payments, or odor defahils on your account may be reflected in your credit report We normally report the status and payment history of your Account to red' reportng agencies each mono. It you believe that our report is irtecarate or no mplek. please write us at the folbwtrg address; Discover, PO Box 15316, Wilmingon, OE 1 5316. Please include your name, address, tame telephone number and Account number. PERIODIC FINANCE CHAGES. Periods Finance Charges are imposed on all transactions from to date the isansedion is posted to your Account Will the date you pay your entire NewBalonce, by malting payments or receiving credits. However, we will provide Life following "grace period If you paid time New 8stance on you pervious telling statement by the Payment Due date shown on that statement, and you pay the New Balance by the Payment Due Data on leis aatanent we wig not rmpose Periodic Finance Charges on new purchases, that is, purdmases fist appearing on this statement. Otherwise, you wgl receive a ling statement next month that includes Periodic France Changes on Use new purchases. There is no grace period on balance transfers or cash advances. We sort your transactions no groups ot purchases, cash advances, and balance transfers and (hen ttrtuer sort the transactions when each group by their Annual Percentage Rate. For example purchases stilled to a promotional rate and purchases sub)ect to sterderd rate.wrxdd be separate groups. We refer to these grails as transaction categories. At the end of each billing period, we.oompuls Periodic Finance Charges for each day of the bdkq period or each trensarborm category. We use the following equation to dxompute Periodic for each transaction category. Average Daily Balance x number of days in the bung period x Daily Periodic Rate. (See the tnamoa large summary on your statement for these amounts.) Then we add up the Periodic Finance Charges for each hahsection category to get ttc total Periodic Finance Charges for your Account. Tice average Deily Balance is shown as zeroA, because of Its grace period, no Periodic Finance CFerges apply to the balance in a trahsection category. We use the Average Daily Balance (including newkansactons) meted of cafcu!atehg the balance upon which we impose Periodic Fiance Charges. We compuo line Average Daily Balance for each transaction category by adding up all the daily belaces in a biting period for a transaction category, and dividing the oat by the number of days it the billing cycle. We ocimpute the daily balance for each transaction category on each day by first add% this following to the Previous days dally balance, transactions made bet day, fees charged that day and Periodic Finance Charges accrued on that day. to transaction is posted to you Account after the dose of the billing period in Mich it occurs. we wig treat the transaction as having occurred on the frstday of the billing period in which it is posted to yourAocount. All fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Fnancoe Charges vAach are added to the applicable cash advance transaction category and Balwoo Transfer Transaction Fee Fmwite Charges which are added to the applicable balance transfer transact on category When the special rate expires, we move the unpaid balance of to balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category However, if the special rate has been lehrtinated under the WWA Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Foe Finance Charges in this applicable transaction category until the special rate would (have expired.. For TOD (Telecommunications Device for the Deal) assistance, call 1.800.347-7449. Discover may monitor andfor record telephone can between you and Discover representatives for quality assurance purposes The Discover' card is issued by Discover Bank. Member FDIC. OITBK107 I DISCOVER It pays to L DISCo1CFR_ 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. YoOl also be helping yourself to 24 months of password-protected, statement history, complete with merchant names, locations and zip codes. Go to Discover.com/paperless and sign up for Paperless Statements today. j 02010 Discover Bank, Member FDIC KATHY KNAUB Account number ending in 8200 O*4 s PPRGRN.0810 Closing Date: February 27, 2007 page 2 of 2 As a Discover Cardmember, you get the most complete set of travel benefits offered by a no-annual-fee credit card. From 5% Coshback Bonus(R) to complete travel protection, Discover Card has your travel needs covered. Visit Discovercard.com for more details. 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 $11277.38 0.02805% 10.24% V 10.24% $98.06 $0 Cash Advances $0 0.06299% 22.99% F 22,99% $0 $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 D'4scover.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER' New Balance Minimum Payment Due Account Number ending in 8200 $11,080.10 $220.00 J Enter Amount Enclosed Below Payment Due Date $ April 26, 2007 please make check payable to Discover Platinum Card or pay online 0 Discovercard.com. 27 SDSN6A01 0022160 KATHY KNAUB Tired of buying stamps? Go mobilel Make and schedule payments from your phone 165 SALEM CHURCH RD with the Discover app. Its fast and it's free. MECHANICSBURG PA 17050-2835 Download now at discovercomlapps i rrrrLlLrJrrrlll PO BOX 71084 111111 11 1 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space l?r1r11rr1rrr1?11rrrlrr{rlrrr1111r?rlrr{rrlrillrrlrrlrrlrlrrfl above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000601986618140952214110801000000000022000 Discover Platinum Card Account Summary Closing Date: March 27, 2007 page 1 of 2 Account number ending in 8200 Previous Balance $11,116.23 Payment Due Date April 26, 2007 Payments And Credits 275.00 Minimum Payment Due $220.00 Purchases + 150.75 Credit Limit $11,600.00 Cash Advances + 0.00 Credit Available $519.00 Balance Transfers + 0.00 Cash Credit Limit $5,800.00 Finance Charges + 88.12 Cash Credit Available $519.00 New Balance = $11,080.10 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback BonuSe Opening Cashback Bonus Balance $ 9.18 New Cashback Bonus This Period + 0.38 Cashback Bonus Balance $ 9.56 CashbackBonus(D Anniversary -- Month: January Cashback Bonus(R) is America's #1 Cash Rewards Programt Full 5% Cashback Bonus on Gat More purchases in popular categories throughout the year and up to 1% Cashback Bonus on at) your other purchases. 1. Visit Discover.com to pay your 641 far no cost, view our How Can We Help You? latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347.2683) for fast, easy self-service options or to spook with a Customer Service Account Manager Please have your Discover Card available. 3. Write us of Discover Card, PO Box 309A3, 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 Mar 26 Mar 26 PHONE PAYMENT - THANK YOU $ -275.00 Merchandise/Retail Mar 14 Mar 14 DOLLAR-GENERAL#1449MECHANICSBURGPA 23.14 Supermarkets Mar 13 Mar 13 GIANT FOOD STORES #331 MECHANICSBURGPA 127.61 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. Get the flexibility of a home equity credit line with the certainty of a fixed-rote 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. i Manage your account your way - whether you prefer to speak with a live person or manage it on your own, Discover(RJ j Card has the right account management options for you. Call 1.800-DISCOVER (1-800-347-26831 or visit Discovercard.com Important Infnimation. If there is more than one page o fin billing statement, see the back of each page tot additional importantinformation. See your Camlmember Agreement Your Cardmember agreement contains at to terms of yourAcwunt. Lost or stolen cards. Report immediaielyl Call 1-600-347-2683. Billing Rights Summary.' In Caseof Errors or Qfles6ansAbaA Your Bill: If you thank your bill iswrong, or if you need more information about a transaction on you bill, write us on a separate sheet of paper atUiscover, PO Box 3D42f, Sall Lake City UT84130-0421, as soon as possible. We must hear from you no later don 60 days after we sent you the fast Wl on which the enor or problem appeared: You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information Your row and Accamf number The dollar amount of the suspected am Describe the error and explan, 4 you can, why you believe there is an error. If you need more information, describe the hem ycu are unsure about. You do not have b pay any anoint in question while we are investigating, but you are all obligated to pay the parts of your bill that are not in question. While we investigate your quest on, we cannot report you as delinquent or lake any action to culled the amount you question. Special Rate 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 flied in good faith to correct the problem with the rrerdent, you may rat have o pay the remaining amount titre on die goods or services. You have this protection only when the purchase price was more than $50 and the purdiese was made in your horse state OF within 100 miles of yarn mailing address. (If we own or operate the merchant, or if we mailed you the advertisement for the good ormvices, ail the purchase are covered regardless of the.amourt or location of the purchase.) Payments Send only your payment and the top pw5on of the statement in the envelop provided. Do not send cash. By sending your check as described above, you au0horize us to use mbmaion on your died to make and electronic fund transfer from your Account at the Manuel Institution indkated on your check or to process the payment as a check transaction.9 On payment is processed as an eledroric fund transfer, the transfer will be for the.amouad of the cock. When we use information from your deck to make an electronic Nand bansfer, funds may be withdrawn from,yorr account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The proonsng of your payment maybe delayed! you send cash, correspondence or other items with your payment. l you send the payment to any other address or it you use an envelope other than the one provided. Payments received in proper form at our processing faddy by 51M local the on any by will be credited to your Account as of that day. Payments received at our procasskg fadW der 5PM local time will be credited to your Account as of the next day If you have misplaced your envelope. send your payment to fhscover, PO Box 6103, Card Strearn, IL 6D197b103. Please allow 7-10 days for delivery. Y your payment is returned unpaid, he reserve the right to resubmit it as an electronic debit You can pay your mremain payment of a greater wow over the telephone, and you on set up autanatc payments. Cat$ us at 1-8&3472663. You VA reed this statement and you bank account information. You must ensure that sufficient finds are available in your bank account, and all transactions must comply with U.S. law. You wit be asked to provide to Nrat 5 digs of you accent statement ZIP axis, By entering pose numbers as your electronic signature, you will be agreeing to this art orbAon to allow us; and your bank to deduct each payment you'atdfome from yaabank account, and 0 indiete debit orore& entries to your bank aocornt, as applicable, to correct era in the processing of such paymerd. You must het us the amount of each payment or you can seted an amount such as Unimum Payment Due or the New Balance on each statement You can cancel a payment however we must receive notice at teesttfree business days in advance of the scheduled payment You may no* us by phone at 1400.347.2683 or by mall at the address listed in the previous paragraph. If your payments may vary in amount we will tell you on each mouldy statement when you payment will be made and how much it will be. Y=Auomatc payment arrant may be fees then the indicated on the morhtly statement based on credits or payments applied darg the billing cycle. Croft Reporting. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on you scoot" may be reflocted in your credo report We normally report thhasWw and payment history of your Account to credit reporting agencies each month. d you believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 198505316. Plem include your name, address, home telephone number and Account number. PERIODIC FINANCE CHAGES. Periodic Fnaraa Charges are imposed on all transactions from the date the transaction is posted to your Account until the date you pay your entire New Balm-, by making payments or teceiwirg credits. However. we will provide die following 'grace period' It you paid the New Balance on you pervious billing statement by the Payment Due Dab shown on that statement and you pay the New Balance by the Payment No Date on this statement we will not impose Periodic Finance Charges on new purchases, tal is, purchases first appearing on this sbfemea 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 sort your transactors into goups of pudtases, cash advariol and balance transfers and ten hrter sat the transactions within each group by their Annual Percentage Rate. Fa example purchases sullied to a promofanal 1219 and purchases sultedto standard rate odd be separate grips. We rater to those groups as transaction categofos. At the and of each btkng period, we coRpufe Periodic Finance Chagas for each day of the billing period for each tramadion category. We use the fdbwng equation to compule Periodic for each rarsaction cabgary Average Daily Balance x number of days in ulna bang period x Daily Periodic Rate. (See the finance charge summary on you statement for these amounts.) Then we add up the Periodic Finance Charges for each transaction calegotylo get the total Periodic Finance Charges. or your Account. The average Daily Balance is sham as zero 9. because of the grace period, no Periodic Fiance Charges apply to the balance in a transaction category . We use the Average f ly Balance (including new rams) meted of calculating the balance upon which we impose Periodic Finance Charges. We impute the Average Daly Balance for each transaction category by aldirg up at the daily balances in a billing period for a transaction category and duwdkrg the total by the number of days in the piling cycle. We compute be daily balance for each rasacton category on each day by fast adding the following to the previous days daily balance, transactions made that day, fees charged that day and Periodic Finanoe Chages accrued on that day, If a transaction is posted to your Account after the close of the billing period in which it occurs; we will treat the trensaction as having occurred on the first day of the billing period n which it is posted to yarAccount All fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable balance transfer transaction category. When the special rate expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category: However, if the special rate has been terminated under the Default Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges in the applicable transaction category until the special rate would have expired. For TDD (Telecommunications Device for the DeaO assistance, call 1800-347.7449. Discover may morhior andior record telephon , tea between you and Discover sepresen fa6ves for quality assurance purposes The Discover' card is issued by Discover Bank, futember FDIC. OITSK107 DISCOVER Go green. Go paperless. It pays to KATHY KNAUB FR Account number ending in 8200 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 wilh merchant names, locations and zip codes. Go to Discovercom/paperless and sign up for Paperless Statements today. 02010 Discover Bank, Member FDIC 0116 a PPRGM081 o Closing Date: March 27, 2007 page 2 of 2 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Bolonces Rates RATES RATES CHARGES CHARGES current billing period: 28 days Purchases $11218.87 0,02805% 10.24% V 10.24% $88.12 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $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 DiSCOYer.Cam or call 1-800-DISCOVER (1-800-347-2683). ^??ER New Balance Df?`11 77? I< m Payment Due E Account Number ending in 8200 ?? .r $10,956.73 $218.00 Enter A mount Enclosed Below Payment Due Date May 26, 2007 Please make check payable to Discover Platinum Card or pay online @ Discovercard.com. 27 SDSN6A01 0022161 KATHY KNAUB Tired of buying stamps? Go mobile! Make and schedule payments from your phone 165 SALEM CHURCH RD with the Discover app. It's fast and it's free. MECHANICSBURG PA 17050-2835 Download now atdiscover.com/apps PO BOX 71084 (Ilrrrllrrrrrl+llrr?(rrrll( CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space I" III "I" III" I"II"I I I E"I"I"I "I l"I" i" Midi above, or go to Discover.com. Print your e-mail address to ' ' ' ' ' ' ' rece!ve important Account information and special offers. 000001986618140952214109567300220300021800 Discover Platinum Card Account Summary Closing Date; April 27, 2007 page 1 of 1 Account number ending in 8200 Payment Due Date May 26, 2007 Minimum Payment Due $218.00 Credit Limit $11,600.00 Credit Available $643.00 Cash Credit Limit $5,800.00 Cash Credit Available $643.00 Previous Balance $11,080.10 Payments And Credits - 220.00 Purchases + 0.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 96.63 New Balance - --'-__ _ $10,956.73 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 9.56 New Cashbock Bonus This Period + 0.00 Cashback Bonus Balance $ 9.56 Ciiihbcck Bonusg AriniveiSdry.......,. ............... . Month: January Cashback BonusjR) 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 Help YOU? I . Visit Discover.com to pay your bill for no cost view ur p latest Account information, earn and redeem rewardsand more It's your choice - 3 ways to help 2. Call 7.800-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 Soft Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Data Payments and Credits Apr 26 Apr 26 PAYMENT • THANK YOU $ -220.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.02712%; corresponding ANNUAL PERCENTAGE RATE: 9.90%. Rate is subject to the terms of the offer including expiration. 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 $11112.65 0.02805% 10.24% V 10.24% $96.63 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as rated above. Important Infor ation. If there is more Man one page to this billing statement, we the back of each page for additional important information. See your Cardmember Agreement You Cardmember agreement contains all the terms of y ourAccount. Lost or stolen cards. Report immediately! Cal 1.600347-2663. Ming Rights Summary. In Case of Errors or Questions About Your Bill. If you think your big 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 64130-0421, as soon as possible. We must hear from you no later than 60 days after we sent you the fist bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: • Your name and Account number The dollar amount of the suspected error • Describe the error and explain, 9 you can, why you believe there is an error. If you need more udamation, describe the item you are unsure about You do not tare to pay any amount in question white we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your question, we cannot report you as degnquent or take any action to soled the amount you question. Special Rate 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 tried in good faith to correct the problem with the merchann, you may not have to pay die remaining amount due an the goods or services. You have this protedmn only when the purchase price was more than S50 and the purchase was made in your home state or within 100 miles of your mailing address. (ti we own or operate the merchant, or 9 we mailed you the advertisement for the good or services, all the purcase are covered 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 surd rash. By sending your check as described above, you authorize us to use W"mation on your deck to make and electronic fund transfer from your amounh st In financial istituum indicated on your check or to process the payment as a check transaction. If Be payment is processed as an electronic fund transfer, the transfer will be for the amount of the cekik. When we use information from your check to make an electronic fund transfer, hands may be widrdiahm from your account as soon as the same day we receive your payment, and you will not receive your cheek back from your financial ihssartiom The processing of you payment maybe delayed if you sand cash, correspondence. or other items with your payment, if you serif the payment to any other address or if you use an .. . envelope other van the one provided. Payments received in proper form of our processing facility by 5PM local time on any day will be credited to yourAcmunl as of cat day Payments received at our processing facility after 5PM local time wig be credited to your Account as of the next day. If you have misplaced your envelope, send you payment to Discover, PO Box 6103, Carol Stream, IL 60197-6103. Please allow 7-10 days for delivery. Ifyour payment is returned unpaid, we reserve the right to resubmit d as an electronic debit You can pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments. Call us at 1-800.3472663, You will need this statement and your bank amount information. You mustensure that sufficient funds are available in you bank account. and all transactions must comply with VS. law. You wit be asked to provide the fist 5 dgits of you account statement ZIP code. By entering those numbers as your eecraonic signature, you wig be agreeing to this author¢elion to allow us and you bank to deduct each payment you authorize from your bank amount, and to initiate debit or credit entries to you bank account as applicable,:to cared error in the processing of such payment You mast tel its the amount of each payment, or you can select an amount such as Minimum Payment Due of the New Balance on each statement. You can camel a payment. however we mast receive notice at least three business days in advance of the scheduled payment You may notify us by phone at 1 t3D0,347-2663 or by mail all the address tinted in the previous paragraph. It your payments may vary in amount we will tell you on each monthly statement when your payment will be mad_ a and how much it will be. You Autocratic payment amount may be less than the indicated on the monthly statement based on credits or payments applied doing the b?irg cycle. Credit Reporting. We may report irfama!ion about you 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 Aocamt to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete. Please writ us at the following address: Discover, PO Box 15316, Wilmington, DE 198505316. Please include your name, address, home telephone number and Amount number. PERIODIC Fk1ANCE CHAGES. Periodic Fiance Charges are imposed on all transactions from the date the transaction is posted th you Account until the date you pay your entire New Balance. by making payments or receiving credits. However, we will provide the following 'grace period' It you paid the New Balance on your pervious billing statement by the Payment Due Dale shown on that statemment, end you pay the New Balance by.lh , Payment Due Date on this statement we will not impose Periodic Finance Charges on new prrciases, that is, purchases first appearing on Mils 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 sat your transactions into groups of purchases, cash advances, and balance transfers and then further sat the transactions within each group by theirAmual Percentage Rate. For example purchases subted to a proino6onal rate and purchases subject to standard Tate would be separate grails. We refer to these groups as transaction categories. At the end of each billing period. we compute Periodic Finance Charges for each day of the biting period for each hansadeon eategay. We use 0e following equation to compute Periodic for each transaction category. Average Daly Balance x number of days in the b>Catgperiod x Daily Periodic Rate. (See the finance charge summary on you statement for these amorahls.) Then we edit up the PeJhod4 Finance Charges for eadn.transection category to get the total Periodic Finance Charges for you Account. The average Daily Balance is shown as zero if, because of the grace period, no Periodic Finance Charges apply to the balance in a transaction category. We use Ma AvemgfaD* Balance fincluding new transactions) method of calculating the balance upon which ft impose Periodic Fiance charges. we conpute the Average Daily Balance for each transaction category by adding up all the daily balances in a blirg period for a transawort category and dividing the total by the munber of days in the Ong cycle. We compute the defy balance for each transaction category on each day by first adding the following to the 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 Amount after the close of the bilf+ng period in which it occurs; we will treat the transaction as having occurred on the fist day of the billing period in which it is posted to yorAomunt At fees charged toyuurAaord are added to the standard purchase Uarsadierr category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance transaction category and Betanoe Transfer Transaction Fee Finance Charges which are added to the applicable balance transfer transaction category. When the special rate expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category. However. 6 the special rate has been tarenated under the Default Rae Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Fiance Charges in the applicable transaction category until the special rate would have expired. For MD (Telecommunications Device for the Dca9 assistance, call 1-800.347-7449. Discover may monitor and(a record telephone calls between you and Dismver representatives for quality assurance purposes The Discover" card is issued by Discover Bank, Member FDIC. OlTBK107 New Balance Minimum Payment Du Account Number ending in 8200 DISCOVER' $11,168.92 $222.00 __ Enter Amount Enclosed Below Payment Due Date $ June 26, 2007 Please make check payable to Discover Card or pay online @ Discovercard.com. 27 SDSN6A010022t62 KATHY KNAUB 165 SALEM CHURCH RD MECHANICSBURG PA 17050-2835 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 1111311111111111111111r1 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space 1ii1i{1rr1rr?111{iri1ii1111ri1111ri11rr1i?1?111ri?iilirls1ii11 above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986618140952214111689200225000022200 Discover More Card Account Summary Closing Date: May 27, 2007 page 1 of 2 Account number ending in 8200 Previous Balance $10,956.73 Payment Due Date June 26, 2007 Payments And Credits - 225.00 Minimum Payment Due $222.00 Purchases + 34376 Credit Limit $11,600.00 Cash Advances + 0.00 Credit Available $431.00 Balance Transfers + 0.00 Cash Credit limit $5,800.00 Finance Charges + 93.43 Cash Credit Available $431.00 New Balance _ $11,168.92 You may be able to ovoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 9.56 New Cashback Bonus This Period + 0.86 Cashback Bonus Balance $ 10.42 ......... .................... Cdshback Bonus® Anniversary Month: January Cashback Bonus(R) is America's #1 Cash Rewards Programl Full 5%Coshback Bonus on Get More purchases in popular cafeggones throughout the year and up to 1 % Cc ack Bonus on all your other purchases. How Can We Help You? 1. Visit Discover.com to pay your bib for no cost, view oan ur P latest Account information, earn and redeem reworesd 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, ( g Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits May 26 May 26 PAYMENT - THANK YOU $ -225.00 Merchandise/Retail May 4 May 4 KMART MECHANICSBURGPA 5676 20 May 20 JUST CABINETS 7177660731 PA y - - 169.58 - - May 23 May 23 JUST CABINETS 7 1 776 6073 1 PA 52.99 Supermarkets May 20 May 20 GIANT FOOD STORES #331 MECHANICSBURGPA 12.50 May 20 May 20 GIANT FOOD STORES #331 MECHANICSBURGPA 51.93 Information For You Balance Transfer offer For current billing period: Daily Periodic Rate: 0.05477%; corresponding ANNUAL PERCENTAGE RATE: 19.99%. Rate is subject to the terms of the offer including expiration. Earn 5% Cashback Bonus and more at these new online retailersl ShopDiscover has just added more top online retailers such as Kohls.com, AnnTaylorl ofi.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 todayl Your Discover(R) Card has you covered with Complete Fraud Protection for your peace of mind. Our advanced fraud warnings mean you'll know right away should any suspicious activity occur. And if your card is lost or stolen, you have $0 fraud liability quarontee-you're not responsibb for any fraudulent charges. Important Information. If there is more than one page to this biding statement, seethe back of each page for additional important information. See your Cardmember Agreement. Your Cardmember agreement Mains all the team of your Account. Lost or stolen cards. Report immediately! Call 1$00.341-2683. 8118ng Rights Summary. In Case of Errors or Questions About Your Bid: If you rhink.your bill is wrong, or t you need more information about a transaction on your bill, write us on a separate sheet of paper at Discover, PO Box 30421, Salt lake City, UT 8413D-0421, as soon as passible. We must hear tom you no later than 60 days after we sent you the fast bill on which the error or problem appeared. You can telephone us, but doing so coif not preserve your rights. In your latter, give us the following information: Your name and Account number The dollar amount of the suspected mot Describe the enor and explain, 4 you can, why you beleve time is an error. If you need more information, describe the item you are unsure about You do not have to pay any amount in question while we are nvesugaf rig, but you are still obligated to pay the pads of your bill that are not it question. While we investigate your question, we cannot report you ds delinquent or take any action to codes the amount you question. Special Rate for Credit Card Purchases: If you have a problem with the quskty of goods or services Met you purchased with a credit card and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due an the goods or services. You have Sus protection only when the purchase price was more Man $50 and Cie purchase w4 made in your home stale of within 100 mites of your rang address. (11 we own or operate the merchant, or if we maited you the advertisement for the good or services, all the purchase are covered regardless of the amount or location of the purchase) Payments. Send orgy you payment and the top portion of the statement in the envelop provided. Do not send rash. By sending your check as described above, you motorize us to use nbrmationon your dhedt to make and electronic ind trenater from your account at the inandel instistbon indicated on your oback or to process the payment as a check transaction. K the payment is processed as an electronic furl transfer, the transfer will be for the amount of the check. Wben we use information from your check to rake an elecaenie ivad transfer, may bevdthdtawn from your account as soon as the same day we receive your payment, and yam will not receive your chsdd back from your financiat Institution The ?ao c ,y r: ; 5.,r ;<y morn,; maybodo!ard- yam scv dash: 00rresperd9rce or other items wdh your payment; it you send the peyrrhent to any other address or 0 you use an erhvdope other than the one provided. Payments received in proper fan at our processing facility by 5PM local time on any day will be credited to your Accent as of that day. Payments received at ow prooessirg faolity after 5PM local lane will be credited to yourAoco nt as of Me next day. It you have misplaced your envelope, send your payment to Discover, PO Box 6103, Card Stream, IL 60197.6103. Please allow 7-10 days for delivery. If you payment is reburied upon, we reserve the right to resubmit it as an electronic debit You can pay your minimum payment or a greater amour over the telephone, and you can set up automatic payments. Call us at 1&103472683. You wit need this statement and you bank accohmt inlorrnstion. You must ensure drarsulficient lends are available in you bankk account. and all transactions rnust comply with US. law. You will be asked to provide Me fast 5 digits of you account statement ZIP code, By entering those numbers as your else"* sigrrabae, you will be agreeing to this aulmatzaton to slow us and you bank to deduct each payment you ardron¢e from your bank account, and to initiate debit or credit entries to your bank account, as appic", to correct error in the processing of such payment. You must tsl us the amount of each payment of you can select an amount such as Nnpmum Payment Due or the New Balance on each statemea You can cancel a payrnent, huxever we mist receive notice at least three business days in advance of the scheduled payment. You may notify us by phone at 1-BOD.347-2683 or by mail at the address listed in the previous paragraph. It your payments may very in anouht we oil tell you on each monthly statement when your payment will be made and how much it will be. Your Autbmabc paymem amount may be less then the indicated on the monthly statement based on credits or payments applied during the billing cycle, Credit Reporting. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit raped, We normally repot the shahs and payment hsory of your Account to a" reporting agencies each month. If you believe that our report is inaccurate or incomplete. please write us at the following lowig address: Discover, PO Box 15316, Wlrrngtmh, DE 19850,5316. Please include your name, address, home telephone number and Account number. PERIODIC FINANCE CNAGES. Perioclc France Changes are imposed on all transactions from the date the transaction is posted to yourAawurd unit the date you pay you entire New Balance. by mardnrg baymarfs or receiving credits. However, we will provide the fdlowng "glace period It you paid the New Balance on your pervious biting statement by the Payment Due Date shwa on that statement, and you pay the New Balance by the Payment Due Date on this statement we will not impose Periodic Finance Charges our new Purchases, that is, purchases fast appearing on this statement Otherwise, you wid receive a billing statement nam month that inckdes Periodic Fmance Changes on those new purchases. There is no grace period on balance transfers or cash advances. We sat yam tansettiorsinto groups of purchases, cash advances, and balance transfers and Man further sod the transactions within each group by theirAnnual Percentage Rare. For example purchases subject to a promotional rate and purchases subect to standard rate would be separate groin. We refer to these groups as tansection categories. At the end of each biting penod,.we compute Periodic Finance Charges or each day of the bitng period for each trarsadon cdegoiy We use She following equation to compute Periodic for each transaction category Average Daily Balance x number of days in the biding period x Daily Perbific Rate. (See the finance charge summary at your statement for Mass, an SvhMs,l Then vye edd up the Perspdo Finance Sloages_for each Uynsadion ceteggy o gel the oral Parodic France Charges for your Account The average Deily Belence is shown as zero d, because of fie grace period, no periodic Finance Charges apply to the balance in a transaction category We use the Average Daily Balance (ihdudng now transactions) method of calculating the balance upon which we knime Periodic Finance Charges. We compute the Average Daily Balance for each transactim,ategay by sddng up all the daily balances in a billing period for a transaction category and rividig the total by He number of days in the billing kyle. We compute the daily balarx:e for each transaction category on each day by fast adding the following to the previous days daily balance, trarhsocUrms made that day, fees charged that day and Periodic Finance Charges accrued on tot day M a transaction is posted to you Account after the dose of the biting period in which it occurs, we will treat the transaction as having occurred on Mel first day of the biding period in which d is posted to yourAccount All fees charged to you Account are added o tine standard purchase transaction category with the exception of Cash Advance Transaction Fee Prance Charges whkih are added to the applicable ash advance transaction category and 8alarm Transfer Transaction Fee Finance Charges which are added to the applicable balance transfer transaction category. When the special rate expires, we move the unpaid balance of the balance transfer and the Balance Trasfer Transaction Fee Finance Charges to the standard purchase transaction category. However, f the special, Fate has been terminated under the Default Rate Plan, we leave the unpaid balance of Ina balance transfer and the Balance Transfer Transaction Fore Finance Charges in the applicable traneaoion category until the special rate would have expired. For TDD (Telecommunications Device for the Deaf) assistance, call 1400.347.7449. Discover may morior ardlor record telephone ails between you and Discover representatives or quality assurance purposes The Disomerm card is issued by Discover Bank, Member FDIC. OITBK107 DISCOVER LIt POY5 to Ac T"Y t:r,mbe Account number ending in 8200 . Go green. Go paperless. Join the effort to save trees and dear 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 nomes, locations and zip codes. Go to Discovercom/paperless and sign up for Paperless Statements today. i l (92010 Discover Bonk, Member FDIC FPRGRN.0810 Closing Date: May 27, 2007 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 _ CHARGES current billing period: 30 days Purchases $11103.27 0.02805% 10.24% V 10.24% $93.43 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $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 inimum Payment Dud F, 1 Account Number ending in 8200 $11,041.33 $ 219.00 I Enter Amount Enclosed Below Payment Due Date $ July 26, 2007 Please make check payable to Discover Card or pay online Q Discovercard.com. 27 SDSN6A01 0022163 KATHY KNAUB Tired of buying stamps? Go mobilel Make 165 SALEM CHURCH RD and schedule payments from your phone with the Discover app. Irs fast and its free. MECHANICSBURG PA 17050-2835 Download now at dwover.corNapps PO BOX 71084 lllurllnnrlrllnrlurlll CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space ?rrlr?lri?rrrlr)lrrr(rr(r?rrrl?llrrrlrrjrrlrrllrrlrrlrr?rlrr?? above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986618140952214110413300225000021900 Discover More Card Account Summary Closing Date; June 27, 2007 page 1 of 1 Account number ending in 8200 Previous Balance $11,168.92 Payment Due Date July 26, 2007 Payments And Credits 225.00 Minimum Payment Due $219.00 Purchases + 0.00 Credit Limit $11,600.00 Cash Advances + 0.00 Credit Available $558.00 Balance Transfers + 0,00 Cash Credit Limit $5,800.00 Finance Charges + 97,41 Cash Credit Available $558.00 New Balance = $11,041.33 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Sottuse Opening Cashback Bonus Balance $ 10.42 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 10,42 Cashback 8oriusO Anniversdry Month: January Cashback 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 I-lei YOU I . Visit Discover.com to pay your bill for no cost, view our h 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, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dore Date Payments and Credits Jun 26 Jun 26 PAYMENT -THANK YOU $ -225.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.054777*1- corresponding ANNUAL PERCENTAGE RATE: 19.99%. Rate is subject to the terms of the offer including expiration. Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Transacfion Periodic Fee Daily Periodic Balances Rates PERCENTAGE PERCENTAGE RATES RATES FINANCE FINANCE CHARGES CHARGES current billing period: 31 days Purchases $11201.53 0.02805% 10.24% V 10.24% $97.41 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Get 5% Cashback 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 calf I-800-DISCOVER (1.800.347-2683). Important Information- If there is more than one page to this billing statement, see the back of each page for additional important information. See your CardmemberAgreement Your Cardmember agreement contains all the terms of you Account. Lost or stolen cards. Report immediately. Call 1604347-2663. Bitting R4% Summary. In Case of FATors or questions AboutYour Big: if you thehkyaa bill is wrong, oT it you need more iniomatim about a transaction an your tell, elite us on a separate sheet of paper a( Discover, PO Box 30421, Sell Lake City, UT 84130.0421, as soon as possible. We must hear from you no later than 6D days after we sent you the first bill an Mar the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: Your name and Account number The dollar amount of the suspected error Describe the enw and explain, f you can, why you believe there is an error. If you need more infometion, describe the item you are unsure about You do not have to pay any amount in question wide we are invesWat rig, but you are stiff obligated to pay the pans of your bill that are not m question. While we investigate your question, we cannot report you as delinquent or take airy action to coteat the amount you question. Special Rate for Credit Card Purchases: If you have a problem with the quality of goads or services that you purchased with a credit card and you have fried in good faith to correct the problem with tre merchant, you may not 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 purchase was made in you house state or within 100 miles of you mailing address. (6 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 the purchase.) Payments. Send orgy your paymeM aid the top portion of fbe statement in the envelop provided. Do rot sand cash. By sending your dieclr as described above, you authorize us to use information an your owl to make and electronic kind transfer from your account at the knencial institution indicated on your ot" or to process the payment as a check transaction. s Bee payment is processed as an elecbork krid transfer, the transferwdl be far the amount of the check. When we use information from your dredk to make an electronic furl vernier, iwds 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 payvnent maybe delayed if you send cash, correspondence o. other items with your payment, 9you send the payment to any other address or it you use an onvelope other than tie one provided. Payments received in proper form at our processing facilly by 5PM local tine on any day will be credited to your Account as at that day. Payments received at our processing facility after 5PM local time wilt 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 601875103. Please allow 7-10 days for delivery. If you payment is returned unpaid, we reserve the right to resubmit it as an electronic debit You can pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments. Cal us at I-M3472663. You wig breed this statement and your bank account information. You must ensure that sufficient funds are available in your bank account and all transactions must comply with U.S. law. You wig be asked to provide do first 5 digits of you account statement ZIP code. By entering Grose numbers as you electronic signature, you will be agreeing io this audhaveton to allow us and your bank to deduct each payment you authorize from your bank account, and to initiate debt or credit envies to your bank account, as applicable. to correct error in the processing of such payment. You must tell as the amount of each payment, or you can select an amount such as M nimum payment Due or the New Balance on each statement You can cannel a payment, however we must receive notice at least three business days in advance of the sdfieduled payment. Yam may ratify us by phone at 1-8"7-2683 or by mail at die address listed in the previous paragraph. If your payments may vary in amount we will left you on each monthly stalemerd when your payment will be made and how much it will be. Your Automafic payment amount may be less then the indicated on the monthly statement based on credibs or payments applied durig the bitting cycle. Credit Reporting. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your so=" may be reflected in you credit report. We normally report the status and payment history of your Account to credit repor" agencies each month- It you believe Drat our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 198505316. Please include your name, address, home telephone number and Account nurnber. PERIODIC FINANCE CHAGES. Periodic Finance Charges are imposed on at transactions from the deli the transaction is posted to your Account until that date you pay you entire New Balance, by making payments or receiving credits. However, we will provide the follows g'grace period's you paid the New Balance on you pervious biting statement by the Payment Due Date shown on that statement, and you pay the New Balance by the Papent Due Date on this statement we will not impose Periodic Finance Charges on new purchases, that is, purchases dust appearing on this statement. Otherwise. you will receive a billing statement next month that includes Periodic Fmnarrce.gmrges on Lose new purchases. There is no grace period on balance transfers or cash advances. We sort your transactions intogroups of purchases, cash advances, and balance transfers and then further sat the transactions within each group by their Annual Percentage Rate. For example purchases subject to a promolionaf rate and purchases subject to standard rate would be separate groups. We refer to these groups as transaction categories. At the end of each biting period, we compute Periodic Finance Charges to each day of the biting period for each transaction amay' We use the for each transaclim category. Average Daily Sale nee x number of day a s in the bill' 8 equal to ie ntyule Periodic g period x Deily Periodic Rate. {See the finance charge summary on your sta statenrhMfor tress amounts.) Then we add up the Periodic Finance Charges for each transaction category to gel the total Periodic Finance Charges for your Account. The average Daily Balance is shown as zero t, because d the grace period, no Periodic Finance Charges apply io Ohe bow" in a transaction talegory. We use the Average Daily Balance (including new tramackons) method of calculating the balance upon which we impose Periodic Finance Charges. We.campule the Average Dady Balance for each transaction category by adding up at the daily balances in a billing period for a tra union category and dividing the toad by the number of days in the billing cycle. We eompcde the daily balance for each transaction category on each day by first adding the following m tee 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 Account after the dose of the billing period in which it occurs, we wig vast the transaction as having occurred on the first day of the bitting period in which it is posted to your Account All fees charged to your Account are added to the standard purchase transaction category with aria exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance basadmn category and Balance Transfer Transaction Fee Finance Charges which are added to fie applicable balance transfervarsacion category. When Lhe special rate expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category. However, if the special rate has been temninated under ft Default Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges in tie applicable transaction category until the special rate would have expired. For TDD (Tetecommurifcatione Device for the Deal) assistance, call 1-50.347-7449. Discover may monitor "or record telephone calls between you and Discover representatives for quality assurance purposes The Discover- mud is issued by Discover Bank, Wember FDIC. OlTBK107 DISCCiVER• New Balance ' Minimum Payment Due Account Number ending in 8200 $10,999.60 I $219M Enter Amount Enclosed Below Payment Due Date August 26, 2007 Please make check payable to Discover Card or pay online @ Discovercard.com. 27 SDSN6A01 0022164 KATHY KNAUB Tired of buying stamps? Go mobile! Make and schedule payments from your phone 165 SALEM CHURCH RD with the Discover app. It's fast and it's free. MECHANICSBURG PA 17050-2835 Download now atdiscover.com/apps PO BO X 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. 000001986618140952214109996000225000021900 Discover More Card Account Summary Closing Date: July 27, 2007 page 1 of 1 Account number ending in 8200 Payment Due Date August 26, 2007 Minimum Payment Due $219.00 Credit limit $11,600.00 Credit Available $600.00 Cash Credit Limit $5,800.00 Cash Credit Available $600.00 Previous Balance $11,041.33 Payments And Credits 225.00 Purchases + 90.00 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 93.27 New Balance .= $10,999.66 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 10.42 New Cashback Bonus This Period ± 0.23 Cashback Bonus Balance $ 10.65 Cdshbdck Bonuses Anniversary ...... .......... Month: January Cashback Bonus(R) is America's #I Cash Rewards Programl Full 5%Coshback Bonus on Get More purchases in popular categories throughout the year and up to 11% Cashback Bonus on all your other purchases. How Can We Help You? P I . Visit Discovercom to pay your bill 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, 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 26 Jul 26 PAYMENT - THANK YOU $ -225.00 Merchandise/Retail Jul 24 Jul 24 CASUAL MALE #9424 HARRISBURG PA 90.00 Finance Charge Summary Balance Transfer offer for current billing period: Daily Periodic Rate: 0.05477%; corresponding ANNUAL PERCENTAGE RATE: 19.99%. Rate is subject to the terms of the offer including expiration. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $11083.36 0.02805% 10.24% V 10.24% $93.27 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Manage your account your way - whether you prefer to speak with a live person or manage it on your own, Discover(R) Card has the right account management options for you. Visit Discovercord.com or call 1.800-DISCOVER (1-800.347-2683). Important Information. It them is more than one page to this billing statement, seethe back of each page for additional important information. See your CardmemberAgreencent Your Catdmember agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Call 1-80D-347-2663- Ming Rights Summary. In Case of Eras or Questions About Your Bill: If you think your hill is wrong, or t you need more information about a transaction on your bit, write us on a separate street of paper at Discover, PO Bog 30421, Salt Lake City, UT 641340421, as soon as possible. We must hear from you no later than 60 days after we sent you the frst bill onwhidt the error or problem appeared. You can telephone us, but doing to wit tat preserve your rights. In your letter, give us the fdtww information: Your now arid Account number The dollar amount of it* suspected error Describe the error and explain, if you can, why you believe there is an error. If you need mold information, describe the hem you are unsure about. You do not have to pay any errand in question while we are investigating. but you are still obligated to pay the parts of your brit that are not in question. Whie we investigate 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 quality of goods or services that you purchased with a credit card and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 mks of your mating address, pt we on or operate the merchant, or twee mailed you the advertisement for the good or services, at the purchase are coaxed regardless of the amount or location of the purchase) Paymrents. Send onyyour payment and the top portion of the statement in the envelop provided. Do not send cash. By sending your check as described above, you autiodw us to use idommtiert on your chsrk to make and electronic fired transfer from your account at to financial institution indicated on your check at to. process the paymerit as a check transaction. Kite payment is processed as an eleC7orric Mad transfer, the transfer wig is for the amouril of the check. When we use information from your deck to make an down ac fwd transfer, funds may be witdrewn from your account as soon as the sane day we receive your payment, and you will not receive your check bad from your financial itsttlntat The prooessigof your payment maybe delayed l you Send cask correspondence or other items with your payment, d you send the payment to any oderaddress .or if you use an envelope otter than the one provided, Payments rec ved in proper forum at our processing facility by.5PM local time on any day will be credited to your Account as of that day. Paymeras received at our processing facility off 5PM local time will be credited to your Accomt as of the red day If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Slrean, IL 601916103. Please allow 7-10 days for delivery. If your payment is retuned unpaid, we reserve the right to resubmit it as an electronic debit You an pay yokrrintimurn payment ora greater amount over the telephone, and you an set up automatic payments. Callus at 143003472683. You will need this statement and your bank account Wonnation. You must ensure that sulkeint frhds are available in your bank account. and all transactions must comply with U. S. law. You will be asked to provide the fist 5 diab of you aaarR stelementZIP code. By entering terse numbers as your electronic signature, you will be agreeing to this authorization to slow us and your bank to deduct each paym ant you authorize from your bank account, and to inmate dabil or credit entries b your batik account, as applable, to correct error in the processing of such payment. You must fall us the amount of each payment or you can select an amount such as Miarnum Payment Due or the New Balance on each statemenL You an cancel a payment, however we must receive notice at least three business days in advance of the scheduled payment You may notify us by phone at 1-804347-2663 or by mail at the address listed in the previous paragraph. If your payments may vary in amount we will tell you on each m orttdy statement when your payment will be made and haw mutt it wit be. Your Automatic paytrhent amount may be less then the idieated on rte monthly statement based on credits or payments applied during the billing cycle. Credit Reporting. We may report information abaA youraccount to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. We norratty report the stelusand payrrtahl history of your Account to aedn reporting agencies each mach. If you believe that our report is inaccurate or inoanple[a. please wane us at the following address: Discover, PO Box 15316, Wilmington, DE 19850-5316. Please include your name, address, home telephone number andAccount number. PERIODIC FINANCE CHAGES. Periodic Finance Charges are imposed on all transactions from the date the transaction is posted to yourAcaiunt until the date you pay your entire New Balance. by making payments or receiving credits. However, we will provide this Wowing 'grace period' If you paid the New Balance on your pervious biting statement by the payment Due Date shown on that statement, and you pay the New Balance by the Payment Due Data on ft statement we will not impose Periodic Fiance Charges on new Purchases, diet is, purchases *at appearing on the statement. Otherwise, you will receive a bArg statement next month that includes Periodic finance Charges on those new purchases. There is no grace period on balance trenslars or cash advances. We sat you transacbms into groups of purchases, ash advances, and balance trensters and tan further sort the transactions within each group by tier Annual Percentage Rata. For example purchases subject to a pranotanai rate and purchases subject to standard rate would be separate groups. We refer to these groups as transaction categories. At the end of each Ming period, we eorlpnfe Periodic Finance Charges for each day ddthe bit rig period for each transaction category. We use the following equation to c Dmpute Periodic for each transaction category. Average Daily Balance x number of days in the btlfrg period x Daily Periodic Rate. (See the finance charge summary on your statement for these arharrtts.) Then we add up the PeAo* Frans Charges for each. transaction category to get the total periodic Fiance Charges for your Account. The average Daily Balance is shoran as zero if, because of the gram period, no Periodic France Changes apply lo to balance in a transaction category. We use the Average Daily Balance (rhdu ft new transactions) method of calculating the balance upon which we impose Periodic Finance Charges. We compute the Average Daily Balance for each transaction category by adding up at the daily balances in a bang period b a transaction category and divdmg the total by the number of days in the billing cycle. We compute the daily balance for each tr&seciam category on each day by first adding to following to to 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 Account after the close of the billing period in which 4 occurs, we will treat the transaction as having occurred on to fast day of the bring period in which it is posted to your Acoounl Al fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable ash advance transaction category and Balance Transfer Transaction Fee Fiance Charges which are added to the applicable balance transfer transaction category. When the special vale expires. we move the unpaid balance of the balance tnmsier and IM Belem Tiatsfer Ttarsadion Fee Finance Charges to the standard purchase transaction category. However. fl the special rate has been terminated under the Default Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Fiance Charges in the applicable transaction category until to special rate would have expired, For TDD (Telecommunications Device for the Deal) assistance, call 1.804347-7449. Discover may monitor andyor record telephone calls between you and Discover representatives for quality assurance purposes The Discovee card is issued by Discover Bank, Member FDIC. OITBK107 DpC??? /C?• New Balance hlinimum Payment Due 4ccount Number endin,l in 8200 1'.7 Y L $10,870.53 $216 00 Inter Amount Enclosed Below Payment Due Date ?i September 26, 2007 please make check payable to Discover Card or pay online Q Discovercard.com. 27 SDSWA01 0022165 KATHY KNAUB 165 SALEM CHURCH RD MECHANICSBURG PA 17050-2835 Tired of buying stamps? Go mobile! Make and schedule payments frorn your phone with the Discover app. Its fast and it's free. Download now at discover.cornlapps PO BOX 71084 Illrrrllrirrrlrllrrrlrrr CHARLOTTE NC 28272-1084 Address, e-mail or felephons change? Print change in space above, or go to Discover.com. Print your e-mail address to I oil III iilrrrIrEIrrrlerIrIrI r11+1rrrlrrIrrIrrIlrrIrrlrrlrIrr1l receive important Account information and special offers. 000001986618140952214108705300225000021600 Discover More Card Account Summary E Closing Date: August 27, 2007 page 1 of 1 Account number ending in 8200 Previous Balance $10 999.60 Payment Due Date September 26, 2007 Payments And Credits , - 225.00 Minimum Payment Due $216.00 Purchases + 0.00 Credit Limit $11,600.00 Cash Advances + 0.00 - Credit Available $729.00 Balance Transfers + 0.00 Cash Credit Limit $5,800.00 Finance Charges + 95.93 Cash Credit Available $729.00 New Balance $10,870.53 You may be able to avoid Periodic Finance Charges, see the reverse side for details. r ? Cashback Bonuse Opening Cashback Bonus Balance $ 10.65 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 10.65 Cashback Bonus® Anniversary Month; January Cashback 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 Help You? 1. Visit Discover.com to pay your bill for no cost, view our p latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800•DISCOVER (347.2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us 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 Aug 26 Aug 26 PAYMENT -THANK YOU $ -225.00 Finance Charge Summary Nominal Average Daily ANNUAL. ANNUAL Periodic Transaction Fee Daily Periodic PERCENTAGE PERCENTAGE Balance s Rates RATES RATES FWANCE CHARGES RNANCE CHARGES current billing period: 31 days Purchases $11031.49 0.02805% 10.24% V 10.24 % $95.93 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Manage your budget, track your spending and avoid fees with FREE timely e-mail reminders. learn more about e-mail d remin ers and other easy online account management options at Discovercard.com/reminders Important Information. If there is more than one page to this billing statement, see the back of each page for additional important information. See your Cardmember Agreement Your Cardmember agreement contains all the terms of your Account. Lost or stolen cards. Report immed ately?;Call 1-800-30-2663. Billing Rights Summary. In Case of Error or Questions About Your Big: If you think your big is wrong, or 6 you need more information about a transaction on your bill, write us on a separate sheet of paper at Discover, PO Box 30421, Soft Lake City, UT 84130-Od21. as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on ouch the era or problem appeared. You can telephone us, but doing so wig not preserve you rights. In your fetter, gyve us the ioiovnrg wonhha . • Yore name and Amount number • The dollar amount of the suspected error Describe the error and explain, t you can, why you believe there is an error. If you tread note information, describe the item you are unsure about You do not have to pay any amount in question while we are investgating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your upuesoon. we ca nnot 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 quality of goods or services that you purchased with a credit card and you have tried it good With to correct the problem witth the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than SW and the purchase was made in your theme state or wittrh 1OD miss of your ma ft address. (11' 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 the purchase.) Payments- Send only your payment and the top portion of Ne statement in the emebp provided. Do not said cash. By sending your check as described above, you authorize its to use information on your check to make and electronic fund transfer from your account at the linandal nsWiion indicated on your chants or to process the payment as a check transaction. If tlhe payment is procffi.sed as an electrorrdc fund transfer, the traruWYA be for the amount of the dhedd. When we use information from your check to make an electrode bxd transfer, funds may be withdrawn from your account as son as the same day we receive your payment, and you At riot receive your check back from your financial instihNon. 'Fx resc c_r; *ur k,-neat rr%3l--. delayed if you send cash, mrt.upcricivto or other items with your payrmerh 9 you send the paymaint to any other address or if you use an. envelope other than the one provided. Payments received in proper form at our processing fanny by 5PM local time on any day wi8 be credited to yo urAceount as of dial day. Payments received at our processing facility after 5PM local time wig be credited to yourAconunt as of the rued day If you have misplaced your envelope. send you payment to i)ismver, PO Box6103, Card Sheam, tL 601976103. Reese ttbvr 7-10 daystor delivery. ttyav payrthent is retusned:unpa?, we reserve due right to resubmit itas en electronic debit You can pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments, Cal us atI-BW3472683. You wig need this statement and your bank account information. You must ensure that sufficient funds are avod" it your bank account and all trarsadiotts must comply with U.S. law- You wig be asked to MWe due first 5 digits of you amount statement ZIP code. By entering thosanumbers as your electronic signature, you wil be agreeing to this aulhoization to allow us and your bank to deduct each payment you authorize from your bank ecoonl and to Male debit or credit entries to you bank aoocuim, as applicable, to correct error in the processing of such paymen Your must leg us the amount of each payment, or you can select an amount such as Knimunt Payment Due or the New Balance on each statement. You can cancel a paympt, however we must receive notice at least.dree Iwsiress.days in advance of the scheduled payment You may notify as by lane at 1.800.347.2683 or by mail at the address fasted it Vie previous paragraph. If your payrhenls may vary in amount we oil tell you on each monthly statement when your payment will be made and how much it will be. Your Automatic payment amount may be less than the indicated on due monthly statement based on credits or payments applied during the biding cycle, Credit Reporting. We may repot information about your account to oredg bureaus. Late payments, missed payments, or other defarits on your account may be reflected in your credit report. We normally report the status and payment dstory of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incanplete, please write us at the following address: Discover, PO Box 15316, Wimii gton, DE 198505316. Please include your name, address, home telephone number and Amount number. PERIODIC FINANCE CHAGES. Periodic Finance Charges are imposed on all transactions from the date the transactiat is posted to yourAccovnt until the date you pay your entire New Balance, by making payments or receiving credits. However, we *1 provide the following'gmce period' If you paid the New Belance on your pervious biting statement by the Payment Due Date shown on that statement, and you pay the New Balance by the Payment Due Date on tits statement we oil not impose Perbft Finance Charges on row purchases, that is, purchases first appearing on Nis statement. Otherwise, you hurl receive a billing statement next math that includes Periodic Finance Charges on prose new purchases. There is no grace period on balance transfers or cash advances. We sat your transactions into groups of purchases, cash advances, and balance transfers and then further sal the transedions within each group by theirAmual Percentage Rate. For example purchases subject to a promotional rate and purchases subject to standard rate would be separate groups. We refer to tthasegroups as transaction categories, At the end of each bilfrhg period, we compute Periodic Finance Charges for each day of the billing period for each transaction category. We use the following equation to ompute Periodic for each transaction ca'legwy.Average Day Balance x number of days in the brig period x Daily Periodic Rate. (See the finance charge summary on your statement for these amounts I Then we add up the Periodic Finance Charges for each transaction category to gel the Intel Periodic Finance Charges for your Account The average Daily, Balance is shown as zero if, because of the grace period, no Periodic Finance Charges apply to the balance in a transaction category. We use the Average Daily Balance (auiurding new transactions) method of calculating the balance upon which we impose Periodic Finance Charges. We oonpule the Average Daily Balance for each transaction category by adding up all &a daffy balances in a billing period for a transaction calegay end dividing the total by the number of days in the billing cycle. We compute the daily balance for each transaction category on each day by first adding the tdbwing to the previous days defy balance, barsectons made that day, fees caged that day and Periodic Finance Charges accrued on that day. If a trarsercion is posted to your Account after the dose of the billing period in which it occurs, we oil teat the tiansauion as having occurred on the first day of the billing period in which it is posted to your Account All fees charged to your Account are added to to standard purchase transaction category with the exception of Cash Advance Transaction Fee, Finance Charges which are added to the applicable cash advance transaction category and Balance Transfer Transaction Fee France Charges which are added to the applicable balance transfer tmnsadion category When the special rate expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to to standard purchase transaction category. However, if the special rate has been terminaled under the Default Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges in the appkcable transaction category until dre special fate would have expired. For TDD (Telecommunications Device foil the DeaQ assistance, call 1.800.347-7449. Discover may monitor ardor record telephone calls between you and Discover representatives for quality assurance purposes The Discovers card is issued by Discover Bank, Member FDIC. O1TBK107 DISCOVER New Balance Minimum Payment Due Account Number ending in 8200 $10,740.32 $213.00 Enter Amount Enclosed Below Payment Due Date October 26, 2007 Please make check payable to Discover Card or pay online @ Discovercord.com. 27 SDSN6AOt 0022166 Tired of buying stamps? Go mobile! Make and schedule payments from your phone 165 SALEM CHURCH RD with the Discover app. It's fast and it's free. MECHANICSBURG PA 17050-2835 Download now at discover.corn'apps PO BOX 71084 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space It11111111111111111fill 111iir11ri1i above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986618140952214107403200000000021300 Discover More Card Account Summary Closing Date; September 27, 2007 page 1 of 1 Account number ending in 8200 Previous Balance $10,870.53 Payment Due Date October 26, 2007 Payments And Credits - 225.00 Minimum Payment Due $213.00 Purchases + 0.00 Credit Limit $11,600.00 Cash Advances + 0.00 Credit Available $859.00 Balance Transfers 4- 0.00 Cash Credit Limit $5,800.00 Finance Charges + 94.79 Cash Credit Available $859.00 New Balance _ =• $10,740.32 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashbackt: Bonue Opening Cashback Bonus Balance $ 10.65 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 10.65 Cashback Bonus Ariniversary 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 l% Cashback Bonus on all your other purchases. How Can We Help You9 . 1. Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Cali 1-800-DISCOVER (347.26831 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 Sep 26 Sep 26 PHONE PAYMENT -THANK YOU $ .225.00 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 $10901.87 0.02805% 10.24% V 10.24% $94.79 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary M as noted above. Important Information. t there is more than one page be this bilirg statement, we the back of each page for additional important information. See Vow Cardmembet Agreement Your Cardmember agreement contains all the temps of your Amount. Lost or stolen cards. Report immedietetyt Cat 1$00341.2683. Billing Rights Summary. In Case of Errors or questions About Your Bile If you think your big is wrong, or tyou creed more information about a transaction on your bill, write us on a separate sheet of paper at Discover, PO Box 304211, Salt Lake City, UT841130-0421, as scan as possible. We must (rear 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 rho preserve your rights. In your letter, give us the following information: Your name and Account number The dollar amount of the suspeded error Describe the error and explain, if you can, why you believe there is an error: If you need more information; describe the item you are unsure about. You do not have to pay any amount in question whit we are inwesfgateg, but you are All obligated to pay the parts of you big that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to called the amount you question. Special Rate for Cref Card Purchases: If you have a problem with the quits ly of goods or spices that you purchased with a credl card and you have died in good faits to coned the problem with the merchant, you may no11 have to pay the remaining amount due on the goods or services. You have this protection only when the purchase prom was more than $50 and the purchase was made in you home state or within 100 miles of you mailing address. (If we own or operate the merchant, or if we mailed you the adverfiserrent for the good or services, all the purchase are covered regardless of the amount or location of the purchase.) Payments. Shedd only your payment and the top portion of the statement in the envelop provided. Do not send cash. By sending your check as described above, you autorize ins to use iNomtation on your check to make and dedronic kid transfer from your account at to financial instiklion indicated on your check or to process the payment as a cheek transectim. If the payment its processed as an electronic lad transfer, the 6ansfervaN he for the amount of Ore check. When we use information from yourd*& to make an elecbgrhic fund transfer, lads may be withdrawn from your account as soon as the same day we receive your payment, and you will riot receive yew deck beds from your financial institution. The prooessatg OfYorrpayment maybe delayed if you send cash, correspondence or other dons with your payment, it you send "ymoN to any other address ortyou use an envelope other than the one provided. Payments received in proper form at our processing fee* by 5PM local time on any day will be credited to youx Account as of that day. Payments received at ow processing facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103; Card Stream; IL 601975103. Please allow 7-10 days for delivery. Uyoir payment is retuned unpaid, we reserve the fight to resubmit t as an electronic debt YOU can Pay You mhirfenum payment Or a greater amount over the telephone, and you can set up automatic payments. Cal us at 1$00 3472683. You will need this statement and your bank amount information. You must answer that sufficient A" are available in your bank accent, and at transactions must campy with U.S. law. You will be asked to provide the fast 5 digits of you amount statement ZIP code. By entering Moe numbers as your electronic signature, you will be agreeing to this authorntion to allow us and you bank to deduct each payment you autwrize from your benie amount, and to in late debit or credit entries to your bank amount„ as applicable, to cUmct error in the processing of such payment You must tell us the amouh11 of each payment, or you can select an amount such as Minimum Payment Due or the New Balance on each statement: You can cancel a payment, however we must receive notice at least tines business days in advance of the scheduled payment You may ratify us by phone at 1-800-341.2683 or by mai at the address listed in the previous paragraph. If your payments may very in amount we wit leg you on each monthly statement when your payment wA be made and how much it oil be. Your Automatic payment amount may be less then the indicated on the monthly statement based on credits or payments applied diming the billing cycle. Credit Reporting.,,W?..e., normally report infamatan abord your amount to credit bureaus. Late payments. missed peyrrmits, or other defaults on your amt may he reflected in your credit report. We rammNy report lhe.stakus and payment history of ymAcxwwht to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete. please write us at the fdbwkg address: Discover, PO Boar 15316, Wlmngon, DE 198565316. Please include you name, address, home telephone number and Account number. PERIODIC FINANCE ?C,,H,,AGES. Periodic Finance Charges are imposed on all transactions from the date the transaction is posted to your Account unlit the dare you pay your entire New Balance, bymakhhg payments or reowaiii aedts. However, we will provide the following grace period- If you paid the New Balance on you pervious billing statement by it* Payment Due Dale shown on that statement, and you pay the New Balance by-le Payment Due Date on this statement we will not impose Periodic Finance Charges on new purchases, that is, pwdreses fasi appearing on this statement Otherwise, you will receive a Mitt statement next month that includes Periodic Finance Charges on those new purchases. Thera is no grace period on balance transfers or cash advances. we son year transactions site groups of purchases, cash advances, and balance transfers and then further sat the transactions within each group by their Annual Percentage Rate. For example purchases subject to a promotional rate and pradreses subjeclto standard rate would be separate groups. We refer to these groups as transaction categories. At the end of each billing. period. we compute Periodic Finance Charges for each days the biting period for each transaction catsgory. We use the folowing equation to compute Periodic for each transaction calepy. Average Daily Balance x nu nberof days in the Wing period x Daily Perodtc Rate. (See do finance charge summary on Your statement for these amounts.) Then we add up d* Penodic Finance Charges for each transaction. category to gel the total Periodic Finance Charges for your..Acc.oumt. The average Daily Balance is. shown as zero if, because of the gram perod, no Periodic Finance Charges apply to the balance in a transaction category. We use the Average Darcy Balance (ncka6g new transachom) method of cafculafag it* balance upon w tsch we impose Periodic Finance Charges. We compute the Average Daily Batarnce for each Iramiacli i n category by adding up el the daily balances in a billing period for a transedion category and dividing the anal by the number of days in the biting cycle. We compute Ire daily balance for each transaction category on each day by fist adding the blowing to the previous day's daily balance. transactions made fret day, fees charged thetdayand Periodic Finance Charges accrued on that day. If a uarsactim is posted to your Amount after the dose of the bit ng period in vh h it occurs, we wUi treat the transaction as having occurred on the first day of the billing period in which it is posted to your Account All tees charged to your Amount are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the epplooble cash advance transact m category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable balance transfer transaction category. When the special rate expires. we move rte unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard puxebese trensactron category. However, 0 the special rate has been terminated under the Default Rate Plan, we leave the unpaid balance of the bale nee transfer and the Balance Transfer Transaction Fee Fkence Charges in the applicable transaction category whil the sped rate would have expired. For TOO (Telecommunications Device for the Deaf) assistance, call 1$00.3474449: Discover may montor ardor record lalephwwe calls between you and Discover representatives by quality assurance purposes The Dismvere card is issued by Discover Bank. Member FDIC. 01TBKIOT r New Balance F621 mum Payment Du Account Number ending in 8200 DISCOVER $10,601.50 1.00 Enter Amount Enclosed Below Payment Due Date $ November 26, 2007 Please make check payable to Discover Card or - pay online 0 Discovercard.com. 27 SDSN6A01 0022167 KATHY KNAUB Tired of buying stamps? Go mobile] Make and schedule payments from your phone 165 SALEM CHURCH RD with the Discover app. It's fast and its free. MECHANICSBURG PA 17050-2835 Download now atdiscover.com/apps PO BOX 71084 Illurllnenlrl?nrlnrl?l CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space I III 11111111 iirIli11111111111111111111 above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986618140952214106015000225000021100 Discover More Card Account Summary Closing Date: October 27, 2007 page 1 of 1 Account number ending in 8200 Previous Balance $10,740.32 Payment Due Date November 26, 2007 Payments And Credits 225.00 Minimum Payment Due $211.00 Purchases + 0.00 Credit Limit $11,600.00 Cash Advances + 0.00 Credit Available $998.00 Balance Transfers + 0.00 Cash Credit Limit $5,800.00 Finance Charges + 86.18 Cash Credit Available $998.00 New Balance _ $10,601.50 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Borli Opening Cashback Bonus Balance $ 10.65 New Cashback Bonus This Period + 000 Cashback Bonus Balance $ 10.65 Cashback Bonusi Anniversary Month: January Cashback Bonus(R) is America's #1 Cash Rewards Programl Full 5%Cash6ack 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? P 1 • Visit Discovencom to pay your bM for no cost, view our latest Account information, earn and redeem rewards and more = It's your choice - 3 ways to help 2. Call 1-800-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, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Oct 26 Oct 26 PAYMENT -THANK YOU $ -245.00 Finance Charge Summary Balance Transfer offer for current billing period: Daily Periodic Rate: 0.05477%, corresponding ANNUAL PERCE NTAGE RATE: 19.99%. Rate is subject to the terms of the offer including expiration. Nominal Average Daily ANNUAL ANNUAL Periodic Transaction Fee Daily Periodic PERCENTAGE PERCENTAGE f B RATES R FINANCE FINANCE ancas a ates RATES CHARGES CHARGES current billing period: 30 days Purchases $10766.97 0.02668% 9.74% V 9.74% $86.18 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $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 Discovercord.com to view your purchases online as for back as 12 months. Learn more at Discovercard.com/purchases Important Information. It there is more than one page to this bilkg statement, see the back of each page for additional important information, o See your Cardmember Agreement. Your Cardmember agreement contains all the terms of your Account. z Lost or stolen cards. Repot immediately! Call 1.600347-2683. o Biting Rights Summary. In Case of Errors or Questions About Your Bnt If you think your bill is wrong, or 0you need more information about a transaction on your bit write us on a o 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 later than 60 days after we sent you the first big on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: N Your name and Account number The dollar amount of the suspected error Describe the error and explain, it you can, wiry you believe deem is an error. It you need more information, describe the Gem you are unsure about You do not have to pay any amount in question while we are investigating, but you sea still obligated to pay the parts of your bill that are not in question. Me we investigate your question, we cannot report you as delinquent or take any action to coiled the amount you question, Special Rate for Credit Card Purchases: l 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 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 the purchase price was more than SW and the purchase was made in your hone state or within 100 miles of your mailing address. (If we own or operate the merchant or if we mailed you the adverbsemerdfor the good or services, all the purchase are covered regardless of the amount or location of the purchase.) Payments. Send only your payment and the top portion of Ire statement in the envelop provided. Do not send cash. By sending your dhedo as described above, you authorize us to use vJormalion on your check to make and electronic fund transfer from your account at Ere financial institution indicated on your dheck or to process the payment as a check aansacton- 9 the payment is processed as an electronic fwd transfer, the transfer will be for the amount of the check. When we use inormetion hum your check to make an deamnic fuel transfer, funds may be withdrawn from your account as sown as the same day we teceive your payment, and you will not receive your check tack from your financial mYNtion The processing cf yJLx f*,,"e t traits delayed if you send cash, correspond-rice or other items with your payment. if you send the payment to any other address or if you use an envelope other than the one Provided. Payments received in proper form at our processing facility by 5PM 1=1 tine ow any day will be credited to your Account as of that day. Payments received a: our pnowssiig IlacAky after 5PM local Lima will be credited to your Account as of the next day. N you have rnispkrced your envelope, send your payment to Discover, PO Bex 6103, Card Stream, IL 60197-6103. Please slow 7-10 days for delivery. It your payment is retumned.unpeid, we reserve the right to resubmit it as an eledronicdebit You can pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments. Call us at 1.8003472683. You will need this statement and yon bank socowt m6omnetion. You must ensure that sufficient funds are available in your bank account, and all transactions must oornply with U.S. law. You willbe asked to provide the first 5 digits of you account statement ZIP code. By anbrig those numbers as your electronic signature, you will be agreeing to tins aulhaizalion to allow us and your bank to deduct each payment you authoize from your bank aocwK and to initiate debit or credit entries to your bank axxrurd, as applicable, to correct error in the processing of such payment- You must fall us the amount of each payment or you can select an amount such as Mm mum Payment Due or the New Balance on each statement. You can cancel a Payment. however we must receive notice at bast three business days in advance of the scheduled payment. You may notify us by phone at 1-600,347-2683 or by mail at the address listed in the previous paragraph. If your payments may very in amount we wig tell you on each montnny statement when your payment will be made and how much it will be. Yw Automaic payment amount may be less then the indicated on the mor" statement based on credits or payments applied during the billing cycle. Crept Reporting We may report information about you account to credit bureaus. Late payments, missed payments, or other defaults on your ac=W may be. reflected in your credit report. We norinafty report the status and payment history of your Account to credit reporting agencies each month, If you believe that our repots Inaccurate or incomplete please write us at the following address: Discover, P0. Box 15316, Wilmington, DE 1911505316. Please include your name, address, hone telephone number and Account number. PERIODIC FINANCE CNAGES. Periodic Finance Charges am imposed on all transactions from the date the transaction is posted to your Account until the date you pay your entire New Balance. by snaking payments or receiving credits. However, we will provide the following "pace period It you paid The New Balance on your previos biting statement by the Payment Due Date sham on that statement and you pay the New Balance by the Payment Due Date on this statement we will rod impose Periodic Finance Charges on new purchases, that is, purchases first appearing on this statement. Otherwise, you will receive a bilfrg statement next month that irdudes Periodic From Charges on those new purchases. There is no grace period on balance tram lers or cash advances. We sort your transactions into groups of purchases, cash advances, and balance transfers and their further sort the transactions within each group by WrAnnuai Percentage Rate. For example pwchasw subject to a promotional rate and purchases subject to standard rate would be separate groups. We refer to #we paps as transaction categories, At the end of each biting period, we compute Periodic Finance Charges for each day of the billing period for each transaction category. We use the following equation to compute Periodic for each transaction caliepy. Average Daly Balance x number of days in the billing period x Doty Periodic Rate. (See the finance charge summary on your statement for these amounts.) Then was add up the Periodic Finance Chagas for each transaction category to get the total Periodic Finance Charges for your 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 use the Average Daily Balance (including new transactions) method of calculating the balance upon which we impose Periodic Finance Charges. Via compute the Average Daily Balance for each transaction category by adding up all the daily balances in a billing period for a transaction category and d?w^idi?n'g the total by the number of days in the biting cycle. We compute the defy balance for each transaction category on each day by first addling the knknring to the previous days daily balance, transactions made that day, fees charged that day and Periodic Finance Charges accrued on Ilst day if a tranaadion is posted to your Account after the close of the biting period in which it occurs, we will treat the transaction as having occurred an 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 katsaction category with the exception of Cash Advance Transaction Fee Finance Charges -which are added to the applicable cash advance iansadion category and Balance Transfer Transaction Fee Frnance Charges which are added to the applicable balance rransfer transaction category. When the special rate expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category. However, if the special rate has been terminated under the Defoull Rate Plan, we Issue the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges in the applicable transaction category until the special rate would have expired. For TDD (Telecommunications Device for the Deaf) assistance, call 1.800.347-7449. Discover may monitor anc or record telephone calls between you and Discover representatives for quality assurance purposes The Diseovere cad is issued by Discover Bank, Member FDIC. 617&(10? DISCOVER New Balance Minimum Payment Duel F Account Number ending in 8200 $10,516.68 $208.00 Enter Amount Enclosed Below Payment Due Date $ December 26, 2007 please make check payable to Discover Card or pay online @ Discovercord.asm. 27 SDSN6A01 0022168 KATHY KNAUB Tired of buying stamps? Go mobile! Make 165 SALEM CHURCH RD and schedule payments from your phone with the Discover app. Its fast and it's free. MECHANICSBURG PA 17050-2835 Download now atdiscovercom/apps PO BOX 71084 11111rllMINI] llrrr1u11111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space 111111)11)111)1'?IIII11111111?1111111r11rlllllllrlrllr1111r11? above, or go to Discovencom. Print your e-mail address to receive important Account information and special offers. 000001986618140952214105166800225000020800 Discover More Card Account Summary Closing Date: November 27, 2007 page 1 of i Account number ending in 8200 Previous Balance $10,601.50 Payment Due Date December 26, 2007 Payments And Credits 225.00 Minimum Payment Due $208.00 Purchases +. 0.00 Credit Limit $11,600.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers 1• 0.00 Cash Credit Limit $5,800.00 Finance Charges + 140.18 Cash Credit Available $0.00 New Balance ._ $10,516.68 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback BonW Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period ± 0.00 Cashback Bonus Balance $ 0,00 Cashback Boriu3e Arini4ersary _ ............... .. _ ....._ _._... Month: January How Can We Help You? I • Visit Discover corn 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 self-service options or to speak with a Customer Service Account Manager Please have your Discover Card ovailabfe. 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 Nov 26 Nov 26 PAYMENT -THANK YOU $ -225.00 Finance Charge Summary Balance Transfer offer for current billing period: Daily Periodic Rate: 0.02164%; corresponding ANNUAL PERCENTAGE RATE: 7.90%. Rate is subject to the forms of the offer including expiration. Nominal Average Daily ANNUAL ANNUAL. Periodic Transaction Fee Daily Periodic PERCENTAGE PERCENTAGE Balonces Rates RATES RATES FINANCE CHARGES _ FINANCE CHARGES current billing period: 31 days Purchases $10654.75 0.04244% 15.49% V 15.49% $140.18 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $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.c:om to view your purchases online as for back as 12 months. Learn more at Discovercord.com/purchases Important Intomaltion. 9 two is more than one page to this billing statement, seethe back of each page for additional important information. See your CardmemberAgmement Your Caraiuember agreement contains all the terms of yourAoco nt. Lost or stofen.cards. Report immediately! Cali 9$00-3472683. Billing Rights Summary. In Case of Errors or QueshonsAbout'Your Bill: H you think your bill is wrong, or if you need more infomration abort a transadion an yaw bill, write us on a separate shoot of paper at Discover 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 sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. in your latter, give us the following information: Your name and Account number The dollar amount of the suspected ems Describe the error and explain, l you can, why you believe there is an error. 9 you need more information. describe the item you are unsure about You do not have to pay any amount in question whole we are investigating, but you are still obligated to pay the parts of your big that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to urged the amount you question. Special Rate for Credit Cord Purebi If you have a problem with the gtregty of goods or services that you purchased with a credit card and you have hied in goad faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protectmt only when to purchase price was more than $50 and the purchase was made in your dome state of within 100 miles of your Kraft address. (t we own at operate the merchant, or owe mailed you the advertisement for the good or services. all the purchase are covered regardless of the amount or location of tie purchase.) Payments. Send only your payment and the top portion of the staldnerd in the envelop provided. Do not send cash. By sending your check as described above, you authorize us to use information on your deck toma ke and electronic fund transfer from your accent at the financial iratiktton indicated on your shed erto process the payment as a check transaction, If the payment is processed as an electronic kind transfer, the transfer will be for Oho 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 riot receive your check bade from your financial institution. The processing of your payment maybe delayed if you send cash, correspondence or.othet items will your symwH, if.you send 9* payment to any other.addtess.ot d you use, an .... envelope corer than the one pmuvided. Payment received in proper form at our processing fad ky by 5PM 1=1 lane on any day will be credited to your Account as of that day. Pope* received at our processing facility after 5PM kcal time will be credited b your Account as of the next day, t you have misplaced your envelope, send your payment to Drover, PO Box 6103, Card Stream, IL 60197-6103. Please slow 7-10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an efecbomodebit You can pay your minimum payment ora greater amount over the telephone, and you can sat up &A mok payments. Call us at 1-0003472683. You will need this statement and your bank account information. You moist ensure that srA6rierd kinds are available in your bank account, and all transactions must campy with VS. law. You will be asked to provide the first 5 digits of you, amount statement ZIP code. By entering tow numbers as your electronic signature, you will be agreeing to this aulhoriratiah to allow us and your bank to deduct each peymant youauthcrite from your bank account and to mWeAebd or kxedt entries to your bank account, as applicable, to correct error in the processing of such payment You must tell us the amount of each payment, or you can select an amount such as Minimum Payment Due or the New Balance on each statement. You can cancel a payment, however we must receive notice at least tree business days in advance of the scheduled payment You may notify us by phone at 1-800-347.2683 or by mai at the address listed in the previous parrgraph. if your payments may vary in amount we will tell you an each narNhy statement when your payment Your Automatic payment amount may be less then the indicated on ass monthly statement based on credits or during the billing be made and haw much rc will be. payments applied R9 cycle- Credit Reporting. We may report iMametion about your account b rreditbureaus, Late payments, missed payments, or other defaults on your account may be reflected in your credit report. We romregyreport the status and payment history of your Account b credd 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 198505316. Please indude your name, address, tame telephone number and Account number. PERIODIC FWANCE CHAGES. Periodic Farenee Charges are imposed on all transactions from to date ire transaction is posted to yo rAccoknt and the date you pay your entire New Balance, by making payments orreceivig credits. However, we will provide the following "grace period tyou paid the New Balance on your pervious billing statement by the Payment Due Date shown on fret statement and you pay the New Bela nce by the Payment Due Dale on this statement we will not impose Periodic Finance Charges on new purchases, that is, purchases first appearing on U 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 sort your transactions into groups of purchases, cash advances, and balance transfers and then fwtlher sat the transactions whithn each group by their Annual Percentage Rate. For example purchases subject to a promotional role and Purchases subject to standard rate world be separate groups. We refer to these groups as transaction categories. At the end leach billing period, we compute Periods Finance Cho ages for each day of the billing period for each transaction category We use the blowing equation to compute Periodic for each transaction category. Average Daly Balance x number of days in the bgfng periodx Daily Periodic Rate. (Seethe finance charge summary on you statement for these amounts.) Then we add rip the Periodic Finarroe.Cherges for each transaction category to get the total periodic Finance Charges for your Account The average Daily Balance is shown as zem it, because of the grace period, no periodic Finance Charges apply to fie balance in a transaction category. We use to Average Daily. Balance including new rarsedionsy megnod of calculating the balance upon which we impose Periodic Finance Charges. We oompute the Average Daily BOW" for each transaction category by adding up all the daily balances in e bitting period for a transaction category and divideg the total by the number of days in to billing cycle. We compute the diay balance for each transaction cow" on each day by first adding the following to the previous days daily balance, transactions made that day, fees charged that day and Periodic France Charges accrued on then day. If a transaction is pasted to your Account after the close of the billing period in which it occurs, we will heat the ransaclan as having occurred on the, final day of the bi l ng period in which it is posted to your Account All fees charged to your Aocountam added to the standard purchase transaction category with to exception of Cash Advance Transaction fee Finance Charges which are added to the applicable dash advance 4anseelon category and Balance Transfer TrarsectionFee Finance Charges which are added to the applicable belarae transfer transact an category . When the special rate expires, we move lie unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category. However, if the special rate has been terminated under the Default Rate Plan, wa leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges in the applicable transaction category until the special rate would have expired. For TDO (Telecommunications Device for the Deaf) assistance, call 1-000.34?-7449. Discover may monitor anaiior record telephone calls between you and discover representatives for quality assurance purposes The Discover® card is issued by Discover Bank, Member FDIC. OITBK107 D'C/??\/C? New Balance Minimum Payment Du Account Number ending in 8200 JLF Y ` $10,756.24 $424.00 Enter Amount Enclosed Below Payment Due Date $ January 26, 2008 Please make check payable to Discover Card. Minimum payment due includes a past due amount of $208.00. r 27 SDSN6A01 0022169 KATHY KNAUB Tired of buying stamps? Go mobile! Make 165 SALEM CHURCH RD and schedule payments from your phone with the Discover app. It's fast and it's free. MECHANICSBURG PA 17050-2835 Download now at discover.com/apps PO BOX 71084 ?I?nr??nur?rl?nrlutill CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space (,t(t)(tt?ttt?t(?ttt(tt?t?ttt?(??ttt'tr(rt(rt??tr?rt?tr?t(tt?? above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986618140952214107562400000000042400 i F F e 4 L Discover. More Card Account Summary Closing Date: December 27, 2007 page 1 of 1 Account number ending in 8200 Previous Balance $10,516.68 Payment Due Date January 26, 2008 Payments And Credits 0,00 Minimum Payment Due $424.00 Purchases + 39.00 Credit Limit $11,600.00 Cash Advances + 0.00 Credit Available $0.00 Balance Transfers + 0.00 Cash Credit Limit $5,800.00 Finance Charges + 200.56 Cash Credit Available $0.00 New Balance = $10,756.24 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonue Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Cashback BonusO Anniversary Month: January How Can We Help YOU? P 1. Visit Discover eom to pay your bill for no cost, view our latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Coll 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, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Ctther/Miscellaneous Dec 27 Dec 27 LATE FEE $ 39.00 Information For You * * * ATTENTION * * Your account is past due, Please pay the past due amount now, or contact us to make other arrangements. Finance Charge Summary Average Daily Nominal Transaction ANNUAL ANNUAL Periodic Fee Daily Periodic Balances Rates PERCENTAGE PERCENTAGE FINANCE FINANCE RATES RATES -- CHARGES CHARGES current billing period: 30 days Purchases $10613.30 0.06299% 22.99% F 22.99% $200.56 $0 Cash Advances $0 0.06847% 24.99% F 24.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above . Important Information. If there is more than one page to this billing statement, seethe back of each page for additional important information. p See your Cardmember Agreement Your Cardmember agreement contains all the terms of your Account. ce z toot or stolen cards. Report immediately! Cap 1$00.347-2!i83. o Billing Rights Summary. In Case of Errors or Questions Abaa Your Bill: If you think your bill is wrong, or A you creed more information about a transaction on you bit, write us on a separate sheet of paper at Discover, PO Box 30421, Salt Lake City, UT 84 130-0421. as soon as possible. We must hear from you no later than 60 days after we sent you the first bill N on which the eror or problem appeared. You can telephone us, but doing so will not preserve your lights. In your letter, give us the idlowing information: m Your name and Account number The dollar amount of the suspected error Describe the error and explain, t you can, why you believe mere is an error. if you need more information, describe the item you are unsure about O 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 your question. we cannot report you as delinquent or take any adorn to tolled the amount you question. Special Rate for Credo Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card and you have bled in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You bays tie protection only when the purchase price was more than 550 end the purchase was made in your home state or within 100 miles of your ynaiting address. (If we own or operate the merchant, or d we mailed you the advertisement for the good or services. all the purchase are covered regardless of the amount or location of the purchase.) Payments. Surd only your psymerht and the top portion of the statement in the envelop provided. Do not send cash. By sending your check as described above, you authorize us b use information on your deck to make and elecvonit fund Vam%r from your account at the faharhaal iseluton indicated on your check or to process fit payriM as a check transaction. If the payment is processed as an electronic fund transfer, the transfer will be for the amount of the credt. When we use arlormaliian from your check to make an eleceo tic fund transfer, funds may be withdraws from your account as soon as the same day we receive yourpayment, mid you wilt rot receive your check back from your financial institution T!e arS:i^a'Iycs pay:rc^t mayL@elayit d.you send cash, correspondence nr cther. Rams with you payment, if you send it* payment b any other address. or it you use an...... envelope other then the one provided, Payments received in proper foam at our processing facility by 5PM local time on any day will be credited to yourAcceunt as of that ray, Payments received at our processing facility after SPM local time will be credited to your Account as of the next day. If you have micpleced your envelope, send you payment to Discover, PO Box 6103, Carol Stream, IL 60197.6103. Please allow 7-10 days for delivery. If your payment is reburied unpaid, we reserve the fight to resubmit it as an electronic debit You can pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments. Cal us at 1$003472683. You will new this statement and your bank account atfarmation. You must ensure that sulfirient funds are available in your bank account, and at transactions must empty with U.S. law. You will be asked to provide the fast 5 digts of you account statement ZIP code. By entering those numbers as ym r electronic signature. you will be agreeing to this authorization to allow tits and your baits to deduct each myrnerd you authorize from your bank account, and to vitiate debit or credit entries to your bank account, as applicabla, to cored emurinthe processing of such paymeant You must 10 us the affront of each payment, or you can select an amount such as Minimum Payment Due or the New Balance on each sWerneiit You can cancel a payment hcweuer we must receive folios at West three business days in advance of the scheduled payment You may natty ks by phone at 1.8"7-2683 or by mail at the ad Tess listed in the previous paragraph. If you payments may vary in amount we will leg you on each montfdlr staternent when your payment will be made and how much it A be. You Aubmatc payment amm" may be less then the indicated on the monthly statement based an credits or payments applied during the billing cycle. Credit Reporting. We may report information about your account to credit bureaus. Late payments, missed payments: or other defaut4 on you account may be relWifed in your credit repay. 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 o incomplete. please write us at the following address: Discover, PO Box 15316. Wilmington, DE 196505316. Please include you name, address, tome telephone number and Accahnt number. PERWC FINANCE CHAGES. Periodic Finance Charges are imposed on all transactions from the date the trarrActiart is posted to your Account until the date you pay your entire New Balance, by making payments or recevkg credits. However, we will provide thefptox nsg "tyrace period" It you paid the New Balance on your per&w tiling statement by th Payment Due Date sham on that statement, and you pay the New Balance by the Payment Due pate on this statement vie will not impose Periodic Finance Charges on new purchases, that is, purchases fast appearing on this statement Otherwise, you wit receive a billing statement next month that includes Periodic Finance Charges on base new purchases. There. is no grace period on balance transfers or cash advances. We sot your transactions kilo groups of purchases, cash advances, and balance transfers and then further son the bansadiors within each group by t heirAmual Percentage Rate. For example purchases subject to a promotional rate and pumluses subject to standard rate would be separate groups. We refer to these Wallis as transaction categories, At the end of each billing period, we aor pule Periodic Finance Charges for each day of the billing period for each Uansacfiorh category. We use the following equation to compute Periodic for each transaction category. Average Daily Balance x number of days in the billing period x Daily Periodic Rate. (See the finance charge summary on your statement for these amour is Thert we add up the Periodic Finance Charges for each transaction category to-get the total Periodic Finance Charges to your Account The average Deify Balance is shown as zero if, because of the grace period, no Periodic Finance Charges apply W the balance in a transaction category. We use the Average Daily Balance (including new transactions) method of cafcufating the balance upon which we impose Periods Finance Charges. We`compulle the Average Daily Balance for each transaction category by adding up all the daily balances in a bilking period for a transaction category, and dividrg the total by the comber of days in the biting cycle. We compute the daily balance for each transaction category on each day by rrsI adding the loAowing to the previous days daily balance, transactions made Mat day. fees charged that day and Periodic Finance Charges accrued on that day, if a transaction is posted to your Account after the close of the billing period in which it occurs, we will treat the transaction as having occuned on the fast day of the billing period in which it is posted to you Account. All fees charged to you Accost are added to the standard purchase transactor category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable below transfer transaction category. When the special rate expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purdhasetransaction category. However, it the special one has been terminated under the Oefaodt Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Trarssfer Transaction Fee Finance Charges in the applicable transaction category until the special rate would have expired. For TOO (Telecommunicatona Device for the Deal) assistance, call 1400-347-7449. Dover may monitor andior recend telephone cats between you and Discover representatives for quality assurance purposes The Discover' card is issued by Discover Bank, Member FDIC. OlTBK107 DISCOVER New Balance Minimum Payment Due Account Number ending in 8200 $10,239.65 [$204 .00 Enter Amount Enclosed Below Payment Due Date $ February 26, 2008 Please make check payable to Discover Card or pay online @ Discovercard.com. 27 SDSN6A01 0022170 KATHY KNAUB Tired of buying stamps? Go mobile! Make and schedule payments from your phone 165 SALEM CHURCH RD with the Discover app. It's fast and it's free. MECHANICSBURG PA 17050-2835 Download now atdiscover.com/apps PO BOX 71084 Illrrrllrrirrlrllrrrlrrilll CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space I 1 11 1 III III II II I I III 1 1 1 1 11 above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986618140952214102396500225000020400 Discover More Card Account Summary Closing Date: January 27, 2008 page 1 of 1 Account number ending in 8200 Previous Balance $10,756.24 Payment Due Date February 26, 2008 Payments And Credits - 598.28 Minimum Payment Due $204.00 Purchases i 0.00 Credit limit $11,600.00 Cash Advances + 0.00 Credit Available $1,360.00 Balance Transfers + 0.00 Cash Credit Limit $5,800.00 Finance Charges + 81.69 Cash Credit Available $1,360.00 New Balance = $10,239.65 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonue Opening Cashback Bonus Balance $ 0.00 New Coshback Bonus This Period 0.00 Cashback Bonus Balance 0.00 Cashback BonusS 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 1 % Cashback Bonus on all your other purchases. How Can We Help You? 1. Visit Discover.com to pay your bill for no cost, view ourand p latest Account information, earn and redeem rewards 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 Cord with confidence. Trans. Post Date Date Payments and Credits Dec 27 Dec 27 PAYMENT -THANK YOU $ -225.00 Dec 28 Dec 27 REFUND OF LATE CHARGE -39.00 - - - - Dec 28 - -Dec 27 ADJUSTMENT = FINANCE-CHARGE - -0.14 Dec 28 Nov 28 ADJUSTMENT- FINANCE CHARGE -67.99 Jan 1 Dec 27 ADJUSTMENT - FINANCE CHARGE -50.15 Jan 27 Jan 27 PHONE PAYMENT - THANK YOU _216.00 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 $10406.49 0.02532% 9.24% V 9.24% $81.69 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $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 Important Information. It there ismore, than one page to this bilking statement, seethe back of each page for addilonai impudent information. See your Cardmember Agreement Your Cardmember agreement contains ad the terms of your Accou t Lost or stoten-cards. Report immedietefyi Call 1-800.347-2683. Billing Rights Summary. In Case of Errors or Questions About Your Big: If you think your bid is wrong, or Of you need more information about a transaction on your dull, write us on a separate sheet of paper at Discover, 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 sent you the first bill on nigh the errs a "am appeared. You can telephone us, but doing sowiil not preserve your rights. in your Mel, give us the foltar+sdg nforma0on: Your name and Account number The dollar amount of the suspected error Describe the error and explain, if you can, wiry 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 question while we are investigating, but you are 5011 obligated to pay the pans of your bid that are not in question. Mle we investigate your question, we cannot report you as defuqued or take any action to toted she amount you question. Special Rate for Credit Card Purchases: If you have a problem with the quality of goods or services that.you purchased with a aedd 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 on the goods of services. You have this protection onty when the purchase price was more than $50 and the purchase was made in you home state or within tux} miles of your mailing address. (t 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 the purchase.) Payments. Send only your payment and the top portim of the statement in the envelop provided. Do not send cash. By sending your check as described above, you authorize us to use information on yourdreck to make'erd electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a duck transaction. If the payment is processed as an electronic fund transfer, the transfer will be for the.arnoutt of the check. When we use information from you check to make an electronic fund transfer, fulls may be wididnawn from.your account as soon as the same day we receive your payment and you will not receive your check back from your financial nstithtion- The processing of your payment maybe delayed 6 you send cash, tarespondence or other items with your payment, 4 you send the payment to any other address of if you use an - - envelope otter thmh the one provided. Payments received in proper form at our processing lack by 5PM local time on any day will be credited to your Account as of tut day. Payments received at our processing oCitity after 5PM kcal time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Card Stream, IL 60197-8103_ Please allow 7-10 days for delivery. if you payment is returned unpaid, we reserve the right to resubmit it as an electronic debiL You can pay your minimum payment or a greateramount over the telephone, and you can set up automatic payments. Cal us at 1-800.3472683. You will need this statement and your bank account information. You roust ensure tutcrrffiderdhxds are available in you bank socouit, and at transactions must comply with U.S. taw. You will be asked to praade the first 5 *its Of YOU account statement ZIP code. By entering these numbers as your electronic signature, you will be agreeing to this authorization to atlow us and your bank to deduct each payment youautharize from your bank account, and to initiate debit or credit entries to your bank account as applicable, to correct error in the processing of such payment. You mid M us the amouAOf each payment, or you can seted an amount such as Minimum Payment Due or to New Balance on each stalerned: You can cancel a payment, however we must receive notice at teat three business days in advance of the scheduled payment You may notify us by phone at 1-8W,347-2683 or by mail at the address Rod in the previous paragraph. It your payments may vary in amount we will tent you on each monthly statement when your payment will be mate and hoe much it will be Your Automatic payment amount may be less teen the indcaled on the nonthfy statement based on credits or payments applied during the billing cycle. Credit Reporting. We may report tnonnatm about you account to credit bureaus. Late payments, missed payments, or other defaufts on you account may be reflected in your credit report We nomtaty report the status and payment fisory of you Account to oredu reporting agencies each month. if you believe that our report is inaccurate or incomplete, please write hs at the following address: Discover, PO Box 15316, Wtlrmgton, DE 19850-5316. Please include your name, address, home letephone number and Account number. PERIODIC FINANCE CHAGES, Periodic Finance Charges are imposed on at transaction from the date the transaction is posted to yourAccount until the date you pay your entire New Balance, by making payments or receiving credits. However, we will provide to following'greoe period' It you paid the New Balance on your pervious biting statement by the payment Due Date star on diet statement, and you pay the New Balance by the Payment Due Date on this statement we will net impose Periodic Finance Charges on new purchases, that is, purchases first appearing on the 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 sat your 4ah+sattiens ire groups of purchases, cash advances. and balance transfers and then fuller son thetransac0ons within each group by their Annual Percentage Rate For example purchases subjed to a promotional rate and purchases subject to standard rate weld be separate groups, We refer to these groups as transaction categories. At the end of each billing period, we ahmpuis Periodic Fiance Charges for each day of the billing period for each transaction category. We use the olbweg equation to compute Periodic for each trarhsac0on category Average Daily Balance x member of days in the billing period x Daly Periodic Rate. (See the finence charge summary on your statement for these amounts.) Then we add up the Periodic Famnce.Charges for each transaction categmylo get the oral Periodic Finance Charges for your Account The average Daily. Balance is shown as zero A, because of the grace period, no Periodic France Charges apply to the balance in a transaction category. We use the Average Daily Balance (including new transactions) meted of calculating the balance upon which we impose Periodic Finance Charges. We compute the Average Daily Balance for each transaction category by adding up oil the daily balances in a bang period fora transaction category and dividing the total by the number of days in the biting cycle. We compute the daily balance for each transaction category on each day by fist adding the following to the previous days daily balance. transactions made that day, fees charged that day and Periodic Finance Charges accrued on that day. it a transaction is posted to your Account after the dose of the biting period in which it occurs, we will treat the transaction as laving caned on the fast day of the billing period in which it is posted to yourAemunt All fees charged to your Account ere 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 Itarsac0on category and Balance Transfer Transaction Fee Finance Charges which am added to the applicable balance transfer transaction category When the special rate expires, we move the unpaid balance of the belance transfer and the Balance TransferTransac0on Fee Finance Charges to the standard purchase trensac%n category. However, lithe special rate has been terminated under the Defadf Rate Plan, we leave the unpaid balance of the balance trarsfer and the Balance Transfer Transaction Fee Finance Charges in the appkcaWe transaction category until the special rate would have expired. For MD (Telecommunications Device for the Deal) assistance, call 144347-7449. Discover may monitor andfor record telephone calls between you and Discover representatives for qualdy assurance purposes The Dls0overe card is issued by Discover Bank, MennberFDIC. OlTBK107 New Balance Minimum Payment Du Account Number ending in 8200 DISCOVER $10,084.21 5201.00 Enter Amount Enclosed Below Payment Due Date $ March 26, 2008 Please make check payable to Discover Card or pay online @ Discovercard.com. 27 SDSN6A01 0022171 Tired of KATHY KNAUB ands hedulelpa mstamps? entsfomo mobile! Make your pho e 165 SALEM CHURCH RD with the Discover app. It's fast and it's free. MECHANICSBURG PA 17050-2835 Download now atdiscover.com/apps PC BOX 71084 [lilt llurulrllurln1lll CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space I.i).().1)irr)II IIII)ir111iri1()111111ilril1111111rr1rr1rlrr{1 above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986618140952214100842100225000020100 Discover More Card Account Summary Closing Date- February 27, 2008 page 1 of I Account number ending in 8200 Previous Balance $10,239.65 Payment Due Date March 26, 2008 Payments And Credits - 225.00 Minimum Payment Due $201.00 Purchases + 0.00 Credit Limit $11,600.00 Cash Advances + 0.00 Credit Available $1,515.00 Balance Transfers + 0.00 Cash Credit Limit $5,800.00 Finance Charges + 69.56 Cash Credit Available $1,515.00 New Balance = $10,084.21 You may be able to avoid Periodic Finance Charges, see the reverse side for details Ca5l16aCIC BonUS° Opening Cashback Bonus Balance $ 0,00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Cashback 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 i throughout the year and up to I% Cashback Bonus on all your other purchases. Help You? I . Visit Discover.cam to pay your bill for no cost, view our How Can We He latest Account information, earn and redeem rewards and more ll'r5 your ChoIC@ - 3 ways to help 2. Cali 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 309.43„ 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 25 Feb 25 PAYMENT - THANK YOU $ -225.00 Finance Charge Summary 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. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARM CHARGES current billing period: 31 days Purchases $10251.56 0.02189% 7.99% V 7.99% $69.56 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $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 - regaster at Discovercard.com to view your purchases online as for back as 12 months. Learn more at Discovercard.com/purchases Important Information. If there is more than one page to this billing statement, see the back of each page for additional important information. See your Cardmember Agreement. Your Cardmemberagreement contauts all the terns of yourAcoount. lost or stolen cards. Report immediately! Cal 1-800-347-2663. Billing Rights Summary. In Case of Errors or Questions Abed You Bill: tour think your bill is wrong; or if you need more information about a transaction on your bit, write us on a separate sheet of paper at Discover, PO Box 30421, salt Lake Oily, UT 84130 0421, as soon as possible. We must hear from you no later than 60 days aft we sent you the fast bill on which the error or problem appeared. You can telephone as, but doing so will rat preserve your rights. In your letter, give us the followirng informa§on: • Your name and Account number The dollar amount of to suspected error Describe the enor and explain, 9 you can, why you believe there is an error. if you need more infarnaton, 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 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 called the amount you question. Special Rate for Credit Card Purchaaea: 9 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 the w&iern with the merchant, you may not have to pay the remaining amount due on tha goods or services. You have this protection only when the purchase price was more than SW arid 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 good or sere oes, all the purchase are covered regardless of the amount or k=bon 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 your check as described above, you authorize us to use information on your check to make and electronic kind transfer from you acootntat the financial institution indicated on yours heck or to process the payment as a check transaction. If Ore payment is processed as an electronic fund transfer, the transfera be for the amount of the deck. When we use information from your check to make an electronic krd transfer, fads may be withdrawn from you account as soon as the. day we receive your payment, and you will not receive your check bad from your financial sum Institution, The. ee ng of yroar payment maybe delayed 9 you send cash, correspondence or other items with your payment, if you send the payment to any other address turf you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM toed time on any day will be credited to yourAeoourht as of that day. Payments received at our processing facility after 5PM local time will be rxedited to yourAocont as oldie next day. 9 you have misplaced your envelops, send yam payment to Discover, PO Box 6103, Carol Stream, IL 601976103. Please slow 7-10 days for delivery. It your payment is returned unpaid. we reserve the right to resubmit it as an e(earonlc detrt You can pay your minimum payment or a greater amount over the telephone, and you can set [p suomatlo payments. Call us at 1-800-8472683. You will need this statement and your bank account dMomnation. You must ensue that sulfoient funds are available in your bank accent. and all trarsactbrs must comply with U.S. law. You will be asked to provide the first 5 digits of you account staterent ZIP code. By entering those numbers as your electronic signature, you will beagreeing to the authorization to allow us and yam hank to dedud each payment you authorize from your bank account and to nfiate debit or uedit entries to your bank account. as applicable, to cored era in the processing of such paymera. You must fell us the amount of each payment or you can seled an amount such as Minimum Payment Due or the New Balance on each statement You can cancel a payment however we must receive notice at (east three business days in advance of the scheduled payment. You may toffy us by phone at 1-800-347-2683 or by mail at the address WW in the previous paragraph if your payments may very in amour we will tell you on each monthly statement when your payment will be made and how much d wig be. You Automatic payment amount may be less then the indicated on the money statement based on credits or payments applied during the billing cycle. Crest Reporting. We may report information about you aocount to credit bureaus. Late payments, missed paymeMs, or other defaults on your account may be reflected in your cred t report - We normally report the status and payment history of your Accou t to credit reporting agaries each month. If you believe that our report is inaccurate or incomplete, please ante us at the following address: Discover, PO Box 15316, Nhlmingtony DE 10850-5316. Please include, your name, address, home telephone number and Amount number. PERIODIC FINWCE CHAGES. Periodic Finance Chagas are imposed on all transactions front the date that transaction is posted to yourAecount until the date you pay your entire New Balance, by making payments or receiving credits- However, we will Provide the lotowiil"grace period' if you paid the New Balance on you pervious billing statement by the Payment Due Date shown on that stetee ant and you pay the New Balance by the Payment Due Date on this statement we will not knpose Pedoda Finance Charges on new purchases. that is. purchases fist 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 sad yon transactions into grays of purchases, cash advances, and balance transfers and then further sat the transactions within each group by.theirAnnual Percentage Rate. For example purchases subject to a promotional rate and purchases abject to standard rate would be separate grays. We refer to these groups as transaction categories. At the end of each billing period, we compute Periodic Finance Charges for each day of the billing period for each transaction category. We use the fotowig equation to compute Periodic for each transaction category. Average Daly Balance x number of days in the biting period x Deily Periodic Rate. (See the franca charge summary on your statement for these amounts.) Then we add up Lhe Periodic Finance Charges fa each transaction category, o get the total Peda6c Finance Charges for your Account The average Daly Balance is shown as zero 6, because of the grace period, no Periodic Finance Charges apply to the balance in a transaction category. We use the Average Daily Balance (including new transactions) meted of caiddeling the balance upon which we impose Penot is Finance Charges. We mmpule the Average Dail Balance for each transaction category by adding up all the daily balances in a ding period for a transection category and dividing the final by the number of days in the billing deY We compute the daily balance for each transaction category on each day by first adding the following to the previous day's daily balance, transactions made that day, fees charged that day and Periodic Finance Charges accrued on dot day. to transaction is posted to your Account after the dose of the billing as having occurred on theTrst day of the billing period in which it is posted to your Account period in which h oars' we will treat the transaction At fees charged to your Account are added to the standard purchase trarsacton category with the exception of Cash Advance Transaction Fee Finance, Charges which are added to the applicable cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable balarce transfer transaction category . When the special rate expires. we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category. However, if the special rate has been terminated wrier the Defaut Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Fiance Charges in the applicable transaction category unit the special rate would have expired. For TDD (Telecommunications Device for the Deaf) assistance, call 1-800-347.7449. Discover may monitor ardlar record telephone calls between you and Discover representatives for qualty assurance purposes The Discovers card is issued by Discover Bank, Member FDIC. OITSKI07 DISCOVER New Balance Minimum Payment Due] Account Number ending in 8200 $9,947.33 $198.00 Enter Amount Enclosed Below Payment Due Date $ April 26, 2008 Please make check payable to Discover Cord or pay online @ Discovercord.com. 27 SDSN6A01 0022172 KATHY KNAUB Tired of buying stamps? Go mobile! Make 165 SALEM CHURCH RD and schedule payments from your phone with the Discover app. It's fast and its free. MECHANICSBURG PA 17050-2835 Download now atdiscover.com/apps PO Box 71084 IIlr,dlgas nlrIlls rlnrlll CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space lirlillii?rir??lliir?iilili??lllliril?rlrrlirllrilrrlrilrlirll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986618140952214099473300000000019800 Discover More Card Account Summary Closing Date: March 27, 2008 page 1 of 1 Account number ending in 8200 Previous Balance $10,084.21 Payment Due Date April 26, 2008 Payments And Credits 201.00 Minimum Payment Due $198.00 Purchases 0.00 Credit Limit $11,600.00 Cash Advances + 0.00 Credit Available $1,652.00 Balance Transfers a- 0.00 Cash Credit Limit $5,800.00 Finance Charges 64.12 Cash Credit Available $1,652.00 New Balance $9,947.33 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance .S 0.00 New Cashback Bonus This Period 0.00 Cashback Bonus Balance :l; 0.00 Month: January Cashback Bom.; R) is America's #1 Cash Rewards Program I Full 5% Cashback Bonus on purchases in popular categories throughout the year and up to 11% Cashback Bonus on all your other purchases. How Can We He( P YOU? 1. Visit Discover.com to pay your bill for no cost, view our l t i f A s It's your choice - 3 ways to help a est ccount n ormation, earn and redeem reward and more 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, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Mar 26 Mar 26 PHONE PAYMENT - THANK YOU $ -201.00 Finance Charge Summary 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. Nominal Average Daily ANNUAL ANNUAL Transaction Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES _ RATE5 CHARGES CHARGES current billing period: 29 days Purchases $10101.32 0.02189% 7.99% V 7.99% $64.12 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Need some help around the house? Get organized for spring with your Discover(R) Card. Get 5% to 20% Cashback Banus(R) at top online retailers like Linens & Things, Sears and Office Max on our exclusive online shopping site, SI ooDiscover_ Visit Discovercard.com/shoo todovl important Information. t there is more than one page to this billing statement, seethe back of each page for additional important information. See yaw CardmemberAgmemeat Your Cardmember agreement contains at the terms o(yourAccount. Last or stolen cards. Report ime edistely! Call I-M347-2683. Billing Rights Summary. in Case of Enors or Queslions About Your Bit If you think.your bill is wsorg, of t you need more information about a transaction on you boll, wale us on a separate street of paper at Discover, PO Box 30421, Sall Lake City, UT 841300421. as soon as passible. We must hear from you no later than 60 days at it we sent you the first bill on which the emoror problem appeared- You can telephone as, but doing so will not preserve your rights. In you letter, give us the following information You name and Account number The dollar amourit of the suspected error Describe the error and explain, if you can, why you believe there is an error If you need more information, describe the item you are unsure abort You do not have to pay any amount in question whale we are investigating, but you are stiff obligated to pay the parts of your big that are not in question. Whie we investigate your question, we cannot report you as deli cluent or We any action to cow the amount you question. Special Rate for Credit Card Purchases: If you have a problem with the qusityof goods of services that you purchased with a credit card mid you have tried in good faith to correct the problem Mill the 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 dw SW and ft purdrose was made in your home state or witun 100 miles of you mating address. (if we own or operate the merchant, or twe mailed you the advertisement for the good or services, all the purchase are covered 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 sending your check as described above, you authorize us to use ihfa nation on yea hack:to make and etecaromiciund transfer from yes eonoat the financial it Mutton irAceted on your check or to process the payment as a check transaction. If the payment is processed as an electronic fund transfer, the tansfer will be for the amount of fie check. When we use information from your check to make an elechm fund aensfer, funds may be withdrawn from your acwurst as soon as the same day we receive Your paymet, and you will not receive your check back from you financial instiabon. The pwoesu g o1 your payment maybe delayed if you send cash, correspondence or other items with. your payment, if you send the payment to any other. address or if you use an. envelope other then the one provided. Payments received in proper form at our processing fadlity by 5PM kxal time on any day will be credited to your Account as of that day. Payments received rot our processing facility after 5PM local time, wit be credited to you Account as of the next day. It you have misplaced your envelope, send your payment to Discover, PO Box 6103, Card Stream, IL 611197-6103. Please allow 7-10 days for delivery. If your payment is retuned unpaid, we reserve the light to resubmit it as an electrornio deba. You can pay you minimum payment or a greater amount over the telephone,and you can set up automatic payments. Cat us at 1$003472683. You will need this statement and your beiv account information . You must ensure that sufficient fiends are evadable in your hook account, and all transactions mud comply with U.S. law. You will be asked to provide the first 5 tiffs of you account statement ZIP cond. By entering those numbers as your electronic signature, you will be agreeing to M autorizaton to allow us and your bank to deduct each payment yhusutodrs Own ycurbank accent, and to inihato debit or credit entries to you bank accaud, as applicable. to correct error in the processing of such payrrsm. You must tell us die amount of each payment, or you can select an amount such as Minimum Payment Die or the New Balance on each statement You can cancel a payment, homverwe no receive »otce at least tree hnsiness days in advance of thesdreduled payment. You may nofify us by phone at 1.800-347.2683 or by mail at the address furled in tine previous paragraph. It your payments may vary in amount we will tell you on each monthly statement when your payment wit be made and how much it wilt be. Your Automatic paymertemount may beiess ten the indimted on to no" statement based on credits or payments applied during tie billing cycle. Credit Reporting. We may report information about your account to credit bureaus. Lace payments, missed payments, or offer defaulls on your account may be reflected in your as* report. ft nomnmkyrepbrt to st" attd paytpeW hsloryof WAaxxsritto dudirsportrg.agenuies each month. ff you believe full our repot is inaccurate or incomplete, please write us at the following addresrs: Discover, PO Box 153f fi. Wilmington, DE 198505316. Please include your name, address, home telephone number andAccost number. PERIODIC FINANCE CHAGES. Periodic Finarm Charges are imposed on at transactor from the date the transaction is posted to yourAceount unit the date you pay your entire New Balance, by making payments or receiving credits. However, we will provide the fatowing'grace period' If you paid the New Balance on yxa pervious biding statement by the Payment Due' Date shown on that statement, and you pay the New Odom by the Payment Due Date on this statement we will not impose Periodic Finance Charges on new p achamw Nat is, purchases fist appearing on this statement Otherwise, you will receive a bating statement next month that includes Periodic Finance Charges on those new purchases. There is no grace period on balance tensfers or cash advances. We sat your Iransadiors irtograups of purchases, cash advances, and belanee lrarwfers and then ha tier sort the transactions within each group by their Aaxral Percentage Rate. For example purchases subject to a promotional rate and purchases subjed to stsrsdard ratawould be separate groups. We refer to these groups as transaction cetego es. At the end of each billing period, we compute Periodic Finance Charges for each day of the billing period for each transaction category. We use the following equation to compute Periodo for each transaction p[egory Average Daly Balance x number of days in the billing period x Daily Periodic Rate. (See the finance doge summary on your statement for these an=W) Than we add up the Palo* Finance Charges for each transaction category to gel the total Periodic Finance Charges for your Amount The average Daily Balance is shown as zero A. because of the grace period, no Periodic Finance Charges apply to the balance in a transaction category. Wease On Average Daily Now (including new tarsactiors) method of calculating fie balance upon which we impose Periodic Finance Charges, We compute the Average Daily Balance for each ttansamon category by adding up all the daily balances in a bKvq period for a transaction category and dividing the total by the number of days in the bil ing cycle. We compute to daily balance for each transaction category on each day by first adding the following to the 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 yeurAcrwurt after the dose of the billing period in which t occurs, we will tree the transaction as having occurred on the first day of the txfisg period in which R is posted toyearAv curl All fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to fie applicable cash advance trareaclon category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable balance transfer transaction category When the special rate expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category . However, it tam special rate has been lerminated under the Defied Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges in the applicable transaction category urtil the special rate would have expned.. For TDD (relecommunications Device for the DeaQ assistance, cal l 1.800347.7449: Discover may monitor asydlar record tateptpne calls between you and Discover representatives for quality assaance purposes The DiscoveA card is issued by Discover Bank, Member FDIC. OITBX107 DISCOVER New Balance $9,808.58 Minimum Payment Du $195.00 Payment Due Date May 26, 2008 27 SDSN6A010022173 KATHY KNAUB 165 SALEM CHURCH RD MECHANICSBURG PA 17050-2835 Account Number ending in 8200 Enter Amount Enclosed Below 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. It's fast and its free. Download now at discover.com/apps PO BOX 71084 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space Iit l111141111111fill III till fill Irsill A 111 11111111 A i 11it 1 AI above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001966618140952214098085800200000019500 Discover More Card Account Summary Closing Date: April 27, 2008 page 1 of 2 Account number ending in 8200 Previous Balance $9,947.33 Payment Due Date May 26, 2008 Payments And Credits 200.00 Minimum Payment Due $195.00 Purchases + 0.00 Credit Limit $11,600.00 Cash Advances + 0.00 Credit Available $1,791.00 Balance Transfers + 0.00 Cash Credit Limit $5,800.00 Finance Charges + 61.25 Cash Credit Available $1,791.00 New Balance = $9,808.58 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashbock Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Cashback"Bonus® Anniversary Month: January Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R). How Can We Help You? 1. Visit Discover com to pay your bAl 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 (347.26831 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) see reverse side Sale Lake City, UT 8,4130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Apr 25 Apr 25 PAYMENT- THANK YOU $ -200.00 Information For You Through generous -Cardmembers like you; Discover(R) Card has donated almost $16 million to the Make-A-Wish - - Foundotion(R). Consider contributing your Cashback Bonus(R) to the Make-A-Wish Foundation to help make a child's dream come true. To further your donation, Discover will add on additional 20%. Visit Discovercard.com or Wish org Cooking for the perfect gift for someone specioR Save time and earn rewards - with 5% to 20% Cashback Bonus(R) at online retailers like Overstock.com, Blue Nile and Apple Store through our exclusive online shopping site, ShopDiscover. Visit Discovercord.com/shop todayi important Information. If there is more than one page to this bills g statement, see the beck of each page for additional important information. U) See your Cardmember Agreement. Your Cardmember agreementcontains all the terms of your Account m fast or stolen cards. Report inmediatetyl Cap 1$0(1347-2683. o Billing Rights Summary. In Case of Errors or Questions About Your Bill: If you dunk your bit is wrong, or 4you need more information about a transaction on you txS, write us on a sepaaal. sheet of paper at Discover, PO Box 30421, Saft Lake City, UT 84130-0421, as soon as possible. We must treat from you no later than 60 days after we sent you the first bill g on which the error or problem appeared. You can telephone us, but doing so will riot preserve your rights. In your letter, give us the foltowig information: v • Yore name and Account number • The dollar arrourht of the suspected ens Describe the error and explain, t you can, why you believe there is an error. If you need more information, describe the item you are unsure abon4. J 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 big that are not in question. While we investigate your question, we cannot report you as delinquent or take any action to collect the amourd you question. Special Rate for Credit Card Purchases: If you have a problem with the qualify of goods or services that you purchased with a credit card and you have tried in good faith to correct the oroblenn with the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more than 530 and the purchase was made in your home slate or wrtan 100 miles of your mailing address. (If we own or operate the merchant, or Owe maw you the advertisement for the good or services, all the purchase are covered regardless of the amount or location of the purchase.) Payments. Send only your payment and the hop portion of the statement in the envelop provided. Do not send cash. By sending your check as described above, you authorize us to use adamation on yaw check to make and electronic kind transfer from your aoauntst the (Wanda) institution indicated on your check or to process the payment as a check transaction. If the payment is processed as an electronic turd transfer, the transfer will be for the amount of the check. When we use hnfofmatan from your check lo make an electronic turd transfer, funds may be withdsown from your account as soon as the sane day we receive your payment, and you will not receive your check back from your financial institution. Tk.=. ism msim of yo;u payment msybo.d-%yed.if you send cash, correspondence or other items with your payment, d you send the payment to any other address a A.you.use an erwetope other than the one provided. Payments received in proper form ato our processing facility by 5PM local time an any day will be credited to your Account as of that day. Paymeres received at our processing locility after 5PM local time wit be credited to your Account as of the next day. N you have misplaced your envelope. send you payment to Discover, PO Box 6103, Card Stream, IL 60197.6103. Please allow 7-10 days for delivery If your payment is returned unpaid, we reserve the tht to resubmit it as an dearonicdebit You can pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments. Cot us at t-6"72683. You will need fhis statement and your bank account bdormation, You must ensure that sufficient Ards are mad" in your bank account, ad all trarsactias must comply with U.S. law. You will be asked to provide the first 5 digits of you account statement ZIP code. By erlering those numbers as your electrow signature, you will be agreeing to this authorization to allow us std your bank to deduct each payment you aularize from your baulk account, and to fnirate debit or credit entries to your bank sow=, as applicable, to correct error in the processing of such payment. You must fell us the amount of each payment, or you can select an amount such as Minimum Payment Due or the New Balance on each statement You can cancel a payment however we most receive notice at feast three business days in advance of the scheduled payment You may nobly us by phone at 1-800.347-2883or by mad at the address listed in the previars paragrapR It your payments may vary in amount we will let you an each monthly statement when your pe meet well be made and taw much it will be. Ym Aulo nstic payment amount may be less then the indicated on lie monthly statement based on credits or payments applied during the bhlikg cycle. Credit Reporting. We may report information about your account b credit bureaus. Late payments, missed paymerds, or other data & on your account may be receded in your credit report. We normally report the status slid payment history of your Account to credit rep tang agencies each march, If you believe that our report is inecarate or incomplete, please rite us at the following address: Discover, PO Box 15316, Wilmington, DE 198505316. Please include your name, address, hone telephone number and Account number. PEmowc FINANCE CHAGES. Periodic Finance Charges are imposed can all ransacUahs from #is date Me transaction is posted to your Amount until the date you pay your entire New Balance, by making payments or receivingcredits. However. we will provide the tkiwi g "grace perod• If you paid the New Odance on your pervious biMg statement by the Payment Due Date shown on OW statement, and you pay the New Balance by the Payment Due Date on ltis statement we will not impose Periodic Finance Charges on new purchases, that is, purchases first appearing on tors stateroom. Otherwise, youwdi receive a biting 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 your transactions into groups of purchases, rash advances, and balance transfers and then further son ire transactions within each group by fhekAnnual Percentage Rate. For example purchases subject to a promotional rate end purchases subject to standard rate would be separate groups. We refer to Incise groups as transaction categories. At the end of each bitting period. we compute Periodic Finance Charges for each day of the billing period for each transaction category. We use to following equation to compute, Penc& for each rasacton category. Average Daly Balalance x number of days in the biding period x Daly Periodic Rate. (See the bunco charge summary on your statement for these amountsl Then we add up the Periodic Fituhnce Cherges_for each Vanssosin retegory lo„get the total Periodic Finance Charges for your Account. The average Drily Balance is _ shown as zero if, because of the grew period, no Periodic Finance Charges apply to the balance in a transaction category. We use the Average Daly Balance [including new transactions) method of wiadabV Use balance upon which we impose Periodic Finance Charges. Wiscampule this Average Daily Balance for each transaction category by adding up at the daily balances in a truing period for a transaction category and dividing the trkal by the number of days m.the billing cycle. We compute the daily balance for each transection category on each day by first adding the following to the previous days dalybalance, ransadions made that day, fees charged that day and Periodic Finance Charges accrued an that day. If a transaction is posted to your Amount after the close of the Filing period in which it occurs, we will treat t* transaction as having occurred on the first day of the biting period in which it is posted to your Account. At fees charged to yoirAccount are added to the standard purchase transaction category with the exception at Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable balance transfer transaction category. When the special rate expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purohese hansoclion category. However, if the special we has been terminated,rmler the Default Rae Plan, we leave the unpaid balance of this balance transfer and the Balance Transfer Transaction Fee Finance Charges in the applicable transaction category until the special rate would have expired. For TDD (Telecommunications Device for the DeaQ assistance, call 1.800.347-7449. Discover may monitor andbr record telephone calls between you and Discover representatives for quality assurance purposes The Discover' card is issued by Discover Bank, Member FDIC. OITBK107 DISCOVER L p Pop to 1 KATHY KNAUB DOVER Account number ending in 8200 Go green. Go paperless. Join the effort to save trees and clean up your mailbox. Just sign up for Paperless Statements and you can help save over 70 million pages per year. You'll also be helping yourself to 24 months of password-protected, statement history, complete with merchant names, locations and zip codes. Go to Discover.com/poperless and sign up for Paperless Statements today. 19)2010 Discover Bank, Member fDIC ?R s WGRN.0810 Closing Date: April 27, 2008 page 2 of 2 Finance Charge Summary Balance Transfer offer for current billing period: Daily Periodic Rate: 0.02712%; corresponding ANNUAL PERCE NTAGE RATE: 9.90%. 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 CHARG CHARGES current billing period: 31 days Purchases $9957.63 0.01984% 7,24% V 7.24% $61.25 $0 Cash Advances $0 0.06299% 22.99% F 22,99% $0 $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 Du Account Number ending in 8200 $9,667.05 $193.00 _ Enter Amount Enclosed Below Payment Due Date $ June 26, 2008 Please make check payable to Discover Card or pay online @ D'+scovercard.com. 27 SDSN6A01 0022174 KATHY KNAUB Tired of buying stamps? Go mobilel Make and schedule payments from your phone I65 SALEM CHURCH RD with the Discover app. Irs fast and it's free. MECHANICSBURG PA 17050-2835 Download now at discover.comlapps `t i PO Box 71084 Illto nl6nrof Is llnnnIto rIII CHARLOTTE NC 28272-1084 Address, e-mail ortelephone change?Print change inspace above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. OD0001986618140952214096670500200000019300 E Discover More Card Account Summary - Closing Date: May 27, 2008 page I of 1 Account number ending in 8200 Previous Balance $9,808.58 Payment Due Date June 26, 2008 Payments And Credits 200.00 Minimum Payment Due $193.00 Purchases + 0.00 Credit Limit $11,600.00 Cash Advances + 0.00 Credit Available $1,932.00 Balance Transfers + 0.00 Cash Credit Limit $5,800.00 Finance Charges + 58.47 _ Cash Credit Available $1,932.00 New Balance $9,667.05 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback BonuSe Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 Cashback Bonus® Anniversary Month: January Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R). How Can We Help You? P 1. Visit Discaver.cam to pay your bill for no cost view our latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.800-1)ISCOVER (347.2683) for fast easy self-service Please have your Discover Card available. , options or to speak with a Customer Service Account Manager For TOD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guaran tee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits May 26 May 26 PAYMENT . THANK YOU $ -200.00 Finance Charge Summary 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 includ ing expiration. Average Daily Nominal Transaction ANNUAL ANNUAL Periodic Fee Daily Periodic Balances Rates PERCENTAGE PERCENTAGE FINANCE FINANCE RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $9823.51 0.01984% 7.24% V 7.24% $58.47 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Important Information. It there is more than one page to this billing statement, see the back of each page for additional important information. See your CardmemberAgreement Your CardmernberAgreement contains all the terms of your Account Lost or stolen cards. Report immediately! Cal 1-800.347-2663. Billing Rights Summary. In Case of Elms or Questions About Your Big: If you think your bill is wrong, or d you need more information about a transaction on your brat, 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 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 preserve your rights. In your letter, give us the folkxving information: Your name and Account numbet. • The dollar amount of the suspected error Describe the error and explan, if 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 question while we are investigating, but you are still obligated to pay the parts of your bill that are rot in question. While we mvesfigate your question, we cannot report you as delinquent or take arty action to o0lect the amount you question. Special Rule for Credit Card Purchases: 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 oerrect tine problem with the merchant, you may not have to pay the remanng amount due on the goods or services. You have this protection only when the purchase price was more than 850 and the Melissa, was made in your home state or will 100 moles of your mailing address. (t we own or operate the merchant, or if we ma led you the advedisement for the goods or services, 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 riot send cash. By sending your chord asdesrribed above, you authorize us to use nfomratiorn an your dredc to make an dectrom fund transfer from your account at the financial institution indicated on your dock or to process the payment as a check transaction t payment is processed as an electronic fund transfer, the bander will be for ere amount on the check When we use information from your check to make an electronic fund transfer, funds may be withdrawn Iran your account as soon as the saute daywe receive your payment, and you will not receive your check bade from your financial institution. The processing of you payment may be delayed tyou send cash, carespordence or other items with you payment. if you send the payment to any other address or if you use an envelope other than the one provided. Payments received in proper lam at our processing facility by 5PM local time on any day will be credited to your Account as of that day- Payments iezervenl at our processing ktcility after SPM loser ime vriit be credted to you Amami 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 b resubmit A as an electmi is debit You an pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments. Call us at 1400347-2683. You will need this staemenl and you bards account milomhaben. You must ensure that suffioiem funds are available at yaw bank amount and all transaclhons marsh comply with U.S. law You will be asked to provide the first 5 digits of you account statement zip code. By entering these numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize from your bard: accord, and to initiate debit or credit entries to your bank saw=, as apptic", to coned an error in the processing of such payment You must tell us the amount of each payment, or you can seted an a nontsuch as the Minimum Payment Due or the New Balance on each statement. You can cence! a payment however we must receive notice at least tree business days in advance of the scheduled payment. You may notily us by phone at 1. 00347-2663 or by mail at the address Wed in the previous paragraph. If your payments may vary in amount. we wit tell you on each monthly statement when your payment will be made arid low much it wit be. Your Automatic payment amount may be less than indicated on the monthly statement based on credits or payments applied during the billing cycle- Credit Reporting. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report We normally repon the status and partertl Way of You Account to credit reporting agencies each rnondt. t you believe that our report is inacarate or incomplete, please write us at the fallowing address: Dsmver, PO Box 15318. Wilmington, DE 198505316. Please include your name, address; home telephone comber and Account number. PERIODIC FINANCE CHARGES. Periodic Fhnenge Charges are imposed on all transactions from the date the transaction is posted to your Account until tie date you pay you entire New Balance, by making payments or receiving credits. However, if you pad the New Balance on your previous biting statement by the Payment Due Date shown on tmtstatement , and you pay the New Balance by the Payment Due Date on your eu ant billing statement, we will not impose Periodic Finance Charges on new purchases, that is, purchases fast appearing on the current statement. We cat this the mace period. Otherwise, you will receive a billing statement next month that includes Periodic Finance Charges on those new purchases, There n no grata period on balance frardegs or cash advances. We sat your transactions into groups of purchases, cash advances, and balance transient and then further son the transactions wAftin each group by their Annual Percentage Rate. For example, purchases SLOW b a pranotanal rate and Purchases subject to a standard rate would be separate groups. We refer to Ihese groups as darsaction categories. At the end of each filing period, we compute balances and Periodic Foams Charges for each day of the baling period for each transaction category. We use the following equation to compute Periodic Finance Charges la each transaction category. Average Daily Balance x number of days in the billing period x Daily Periodic Rate. (You may refer to to finance charge summary on you billing statement for these amounts.) Then we add up the Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges for your Account. The Average Daily Balance is shown as zero it, because of the grace period, no Periodic Finance Charges apply to the balance in a transaction category. We use the Average Daily Balance (including new transactims) method of cakalatng the balance upon whicnwe impose Periodic Finance Charges We oompuie.ft Average Deily Balance for each transaction category by adding up all the daily balances in a bang period for a transaction category and dividing the Val by the number of days in the billing cycle. We compute the daily balance for each transaction cel egay on each day by fast adding the following to the previous day's daily balance: transactions, made flat day, fees charged that day and Periodic Financce Charges accrued on the previous day's daily balance; and by then subtracting any credits and payments that. are applied against the balance of the transaction category on that day. In calculating the daily balance for the first day of the billing pariod, we consider the "previous day's balance tobave been your balance for each tra sedw category on the last day of your previous billing period If a transaction is posted to your Account after the dose of the billing period in which it occurs, we will treat the transaction as hav- ing occurred on the first day of the b4ing period in which A is posted to your Accodnt As fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance transaction category and Balance Trans* Transaction Fee Firwnces Charges which are added to the applicable balance transfer trarsacrion'category. When a special balance transfer rate expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category. However, t the special rate has been terminated under the Default. Rate Plan, we leave the unpaid balance of the balance transfer and the Balance TransferTrans- action Fee Finance Charges in the applicable transaction category until the special rate would have expired- For TOO 11elecommunications Device for the Deaf) assistance, please call 1409.347-7449. Discover may monitor andfor record telephone calls between you and Discover representatives for quality assurance purposes The Discovery card is issued by Discover Bank, Member FDIC. OITBK170 DISCOVER New Balance MPayment Due S9,524.53 .Payment Due Date July 26, 2008 27 SDSN6AOt 0022175 KATHY KNAUB 165 SALEM CHURCH RD MECHANICSBURG PA 17050-2835 Account Number ending in 8200 Enter Amount Enclosed Below $ - 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 it's free. Download now at dlscover.com/apps PO BOX 71084 111 11111111 11 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space 111IIllrll11r171lillllllrlrrrllllllrllfill lllllrllllllllllrlll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986618140952214095245300200000019000 Discover More Card Account Summary Dosing Date: June 27, 2008 page 1 of 2 Account number ending in 8200 Previous Balance $9,667.05 Payment Due Date July 26, 2008 Payments And Credits 200.00 Minimum Payment Due $190.00 Purchases + 0.00 Credit Limit $11,600.00 Cash Advances t- 0.00 Credit Available $2,075.00 Balance Transfers 0.00 Cash Credit Limit $5,800.00 Finance Charges 57.48 Cash Credit Available $2,075.00 New Balance $9,524.53 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period ± 0.00 Cashback Bonus Balance $ 0.00 Cashback Bonuse Anniversary Month: January Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R). How Can We Hel You? 1 • Visit Discover.com to pay your bill for no cost, view our h 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 Cord with confidence. Trans. Post Date Date Payments and Credits Jun 26 Jun 26 PAYMENT- THANK YOU $ -200.00 Information For You Congratulations to the 2008 Discover(R) Scholarship Program winners: Destiny Beal, Laura D'Asaro, Coitlyn-Darnell, Sejal Hathi, Trey Jones, Rebecca Robison, Rhonda Samples, Marilyn Sanchez, Sarah Wooten and Go Zhang. Each won $30,000 for post high-school education or training. Visit www.Discoverfinancial.com/community to learn more. Planning a summer getaway? Get everything you need to hit the road through ShopDiscover, our exclusive online shopping site! Earn 5% to 20% Cashback Bonus(R) at top online retailers like Circuit City, MyHote)Stay.com and Thrifty car rental. Vi<it ni-nvsre•nrrt enm/Stinn t-4-1 Important Information. If there is more than are page to this biting statement, seethe bade of each page for additional important information. See your Cardrnember Agreement. Your CardmemberAgreemenl contains all the terms of yourAccount Lost or stolen cards. Report i rawliatelyl Cal 1-8"7-2683. Billing Rights Summary. In Case of Errors of QuestiarsAbout Your Bit: if you think your bill is wrong, or 4 you need more information abed a transaction on yaw W, write to us on a separate sheet of paper at Discover, PO Box 30421, Saft Lake City, UT8400-0421, as soon as possible. We must hear from you no later than 60 days after we sera you the first bill on which the enor or problem appeared. You can telephone us, but doing so will not preserve your ti". In your letter, give us the following inlormstion: • Your new and Account number. The dollar amount of Hie suspected error Describe the error and explain, if you can, why you believe there is an error. If you need more infomtat on, describe the iem you are unsure about You do not have to pay any arrant in question while we are Investigating, but you are self obligated to pay the parts of your big that are not it question. While we investigate your question, we cannot report you as delinquent or take any action to o*ct the amount you question. Special Rule for Credit Card Pmuchasee: II you have a problem with the quality of goads 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 ppaeyy the remaining amount dire on the goads or services. You have this protection only when the purchase price was more than $50 and the p rdiaser was made in your home stale orXi 100 miles of your mailing address. (If we on or operate the merchant, or if we mailed you the advertisement for the goods or services, all purchases are covered regardless of fhb amount or location of purchase.) Payments. Send only your payment and the top potion of this statement in the envelope provided. Do rid send cash. By sew your check as described above, you authorize us to use rdormation on your. check to make an elecronicfund transfer from your account at the Iinan6e! institution indcefed an your dhadt or to process fie payment as a check transaction- If payment is processed as an electronic fund transfer, the transfer wig be for the rynount on 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 you check bade from your financial institution. The processing of you payment may be delayed it you send cash correspondence or other ilerrns with your payment if you send the payment to any other address or if you use an envelope other than tre she pranced. Payments reoxiwed in proper lam atom processing facility by 5PM local time one day will be credited to your Account as of that day. Payments received at our processing facifiry after 5PM boat lime will bededded to gourAceourif as of the ext day.tf you have misplaced your erivetolie send your payment to Discover POIBox 6103, Card Stream, tL 601975101 Please allow 7-10 daystoc delivery. 9 yatrpayment is returned unpaid, we reserve the i4t loresu brial it as an electronic debit Yoo can pay your rnmim ur n payment or a greateramount over the telephone, and you can sat hp automatic payrrhents. Cal us at 1-800-347-2683. You will need this statement and your bank account informeron You rant ensure that su Alum funds are available inyour basic account and all transactions, must comply vdth U.S. law. You will be asked to provide the first 5 digits of your account statement zip code. By anteing those numbers as your electronic signature, you v4[ be agreeing to this authorization to allow us and your bank to deduct each payment you aAhorize from your barns account, and to i4Yate debit or credit entries to your bandit account, as applicable. to correct an am in the prooessmg of such payment, You must tell us the amount of each payment, or your can select an amount such as the Minimum payment Due or the New Balance on each statement. You can cancel a payment however we must receive rolice, at least three business days in advance of the scheduled payment. You may ntlsfy us by phase at 1-M347-2663 or by mail at the address listed in the previous peregraph. If you payments may vary in amount, we wig tell you on each monthly statement when you payment will be made and how much it will be. Your Automatic payment amount may be less than indicated on the mon" statement based on credits at payments applied during the billing cycle. Credit Reporting. We may report information about your account b credit bureaus. Late payments, missed payments, Of other defaults on your account may be reflected in your credit report We normally report the stars andpayment his" of your Account to credit reportig agencies each month. If you believe that our report is inaccurate or incomplete, please write us at the blowing address: Discover, PO Box 15316, Wdcrungton, DE 196503316: Please include yaw name, address, tome telephone number and Account number. PERMIC FINANCE CHARGES. Periodic Finance Charges are imposed on all ramedions from the date the transaction is posted to you Accent until the data you pay your entire New Balance, bymakng payments or receiving credits. However, 0 you paid the New Balance on your previous bilirg statement by the Payment.Due Dale six" on that statemem, and you pay the New Balance by the Payment Due Date on your current billing statement we w n not impose Periodic Finance Charges on new purchases, that is. purchases first appearing on the current statement. We will this to grace period. 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 advarwes. We sal your transactions rao groups a purchases, cash advances. and balance lrerefers and then $Aber sort the transactions within each group by Or&Annual Percentage Rate. For example; purchases su*ct In e promotional rate and purdhases subject to a standard rate would be separate groups. We refer to these groups as transaction categones. At the end of each IWWV period, we compute balsams and Patiodic Firm" Cheiges for each day of the bHfsg period for each transaction category. We use the following equation to compute Penodic Finance Charges for each transaction category: Average Daly Balance x number of stays in the bilig period x Daly Periodic Rate. (Yam may refer to the finance charge summery on your biting statement for these amounts.) Then we acid up the Pero,: Finance Charges for each transaction category to gat the total Periodic Finance Charges for your Account. The Average Daly Balance is sham as zero if, because of the grace period, no Periodic Finance Charges apply to the balance in a transaction category. We use the Merage,Daiy Balance tmalti mg nowbansa tioths) method of calculating the bWence upon which we impose Perioft Finance Charges. We compute the Average Daly Balance for each transaction cat" byadding up all the daily balances in a billing period for a transaction category and cWng the lolal by the number of days in the billing cycle. We oo mpae the daily balarm for each transaction category on each day by first adding the following to dre previous day's daily balance: transactions made that day, fees charged that day and Periodic Finance Charges accrued on the previous days daily balance; and by than subtracting any credits and payments that are applied against the balance of the transaction category on that day. In caladaing the daily balance forthe first day M the tiling period, we consider ths'previous days balance' to have been your balance for each transaction category on the fast day of your previous billing period. If e transaction's posted to your Aocou nt after the dose of the billing period in which it occurs. we will treat the transaction as hav- ing occwed on the fist day of the billing period in which a is posted to yourAccosht. AN fees charged lo your Amount are added b the standard purchase transaction category with the exception of Cash Advance Transaction Fee Fiance Charges which are added to the appkabis rash advance transaction category and Balance Transfer Transaction Fee Finances Charges which are added to the appHrabie balance transfer transaction category. When e special balance transfer rate expires, we move the unpaid Iddanee of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category. However, a the special tote has been lemim" under the Default Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Trans- action Fee Finance Charges in the applicable transaction category until the special rate would have expired. For TDD (Telecommunication Device for the Deaf) assistance, please cal 1800.347.7449. Discover may monitor ardor record telephone calls between you and Discover tepreseraatioes for quality assurance purposes. The Discover' card is wsuW by Discover Beck, Member FDIC. CITEK170 DISCOVER It pays to ] KATHY KNAUB Account number ending in 8200 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 Discover Bank, Member FDIC ?R a PPRGRN,0810 Closing Date: June 27, 2008 page 2 of 2 Finance Charge Summary Balance Transfer offer for current billing period: Daily Periodic Rate: 0.02712%; corresponding ANNUAL PERCE NTAGE RATE: 9.90%. 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 CHARGE CHARGES current billing period: 31 days Purchases $9681.97 0.01915% 6.99% V 6.99% $57.48 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $0 The rates that apply to your Account are either fixed (FI 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 8200 DISC®VE $9,660.41 $193.00 Enter Amount Enclosed Below Payment Due Date $ August 26, 2008 Please make check payable to Discover Card or pay online Q Discovercard.com. 27 SDSN6A01 0022176 KATHY KNAUB Tired of buying stamps? Go mobile! Make and schedule payments from your phone 165 SALEM CHURCH RD with the Discover app. It's fast and it's free. MECHANICSBURG PA 17050-2835 Download now at discover.corri(apps PO BOX 71084 111 111 11 113 111 1 11 111 1 10 1 111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space )Irlrtill I rrrirtill r1III )"r(((Irtrlr,),r{rr1lrr14r1rr1rlrr11 above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986618140952214096604100200000019300 Discover More Card Account Summary Closing Date: July 27, 2008 page 1 of 2 Account number ending in 8200 Payment Due Date August 26, 2008 Minimum Payment Due $193.00 Credit Limit $11,600.00 Credit Available $1,939.00 Cash Credit Limit $5,800.00 Cash Credit Available $1,939.00 Previous Balance $9,524.53 Payments And Credits - 200.00 Purchases + 280.99 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 5489 New Balance = $9,660.41 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus! Opening Cashback Bonus Balance $ 4.00 New Cashback Bonus This Period + 0.70 Cashback Bonus Balance $ 0.70 Cashback BonusO Anniversary Month: January Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R). 1. Visit Discover.com to pay your bill for no cost, view our How Can We Help You? latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. 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 TOD (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 Dote Payments and Credits Jul 25 Jul 25 PAYMENT - THANK YOU $ .200.00 Merchandise/Retail Jul 25 Jul 25 QVC*351009959801 *1 OF 3 800367-9444 PA 18.41 Jul 25 Jul 25 QVC*3 5 1 009 8 84702* 800.367-9444 PA 37.34 Jul 25 _ Jul 25 _ QVC*35 1 009 8 8470 1 * 800367-9444 PA 52.44 Jul 26 Jul 26 QVC*351010008101 * 1 OF 3 800-367-9444 PA 18.41 Jul 26 Jul 26 QVC*351009337901 *1 OF 5 800.367-9444 PA 43.75 Jul 26 Jul 26 QVC * 351009999001 * 800.367-9444 PA 46.08 Jul 26 Jul 26 QVC*351009982701 * 800.367-9444 PA 64.56 Fall fashions breaking the bank? Shop back-to-school sales through our exclusive online shopping site ShopDiscoverl Earn 5% to 20% Cashback Bonus(R) at your favorite online retailers like Gap, JCPenney, Kohl's and many more. Visit Discover.com/Shop todavl important Information. It there is more than one page to this billing.statemerd, see the back Of each page for additional important information. Seeyorr t ardmemher Agreement Pout CardMONIber Agreement contains all the terms 01 your A="- lost or stolen cards. Report inmediatelyl Call 18(10.,- 7-2663. Billing Rights summary. In Case of Ems or Oueslions Abort Your Bill: If you think your bill is wrong, or A you need more information about a transaction on your bit, write to us on a seprimse sheet of paper at Discover, PO Box 313421, Salt Lake City. UT 64130-0421, as soon as possibps. We must hear from you no later than 60 days after we sent you the first bill on which tre aim or problem appeared. You an telephone us, but doing so wri not preserve your rights. In your letter, give us the following information: • Yourname and Accomrtrxrnber • The dwar amount of die suspected error • Describe ire error and explain. 4you cart, why you believe there is an anon. If you treed more information, describe the item you ate unsure about. You do not have to pay any amount in question wide we are investigating, but you we stir obligated to pay the pads of yar big that are not in question. Wide we investigate your question. we cannot report you as delinquent or take any action to collect the amount you question- Special Rule for Credit Card Purchases: It you have'a problem with the quality otgoods or services that you purchased with a credit cord, and you have Vied in good faith to correct the problem with tre merchant, you may not have to pay the remaitktg amount due on the goods or services. You have this protection only when the purchase price was more then $50 and the purchase was made in your home state or watlrin 100 miles of your mailing address. (If we INm or operate the merchant, or If we mailed you the advertisement for fire goods of services. all purchases are covered regardless of the amount or locator of purchase) payments. Send only your paymert and the top pation of on stomerd n the envelope provided. Do not send cash. By sending your ahedt as described above. you authorize us to use idwrnabDn on your chedr to make an electronic, rind MW from your account at the financial inft ion indicated on your check or to process the. payment as a dredt transaction. NpayrneMispcom%WAasmelle sorialundtranstet,UtraisletwiltbeforI*ammntonlhectsE*,Whenweusainfonnetbnfromyourdrecl:tomaManelectroricGr+dtianster, Gads may be withdraMnfrom your account as soon as he same day we receive you payment, and you will not receive you check back from your financial institution. The processing of your payment may be delayed it you send cash, corresponds "or odhw items with your payment, if you send the payment to any other address or if you use an envelope otter then the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing faaTtyafter 5PM focal Ime will be credited to your Amount as of to next day. II you have misplaced your envelope, send your payment to Discover. PO Box 6103. Card Stream, 1.60197-6103. Please allow 7-10 days for defivery. N your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit You an pay your minimum payment Or a greater amount over the telephone, and you can set up automatic payments. Cell us at 1.800347.2683. You will need this statement and you bark account Information. You must unsure that sufficient funds are evaibble ut your be* eaounl, and all transactions must comply with U.S. taw. You will be asked to provide the fast 5 digits of your account aktem ent 0 code. By entering those numbers as your electronic signature, you Will be agreeing to this authorization to allow us and your barn to deduct each payrtuert you autha¢etam Your baMc eccotnL and to mutate tiebi or cr¢dil erhfies to you bank account, as applicable to correct an enter in the processing of such payment You nest tat us ire arthouM of each peymeM, a your turn salad an amountshrh as the Mihirrhum Peyrrherd Due w the New Balance on each slffiemeM You an ancel a peymcmt fxrvvever we must recewe rhutioe at least rhea business days in advance of the acAedulud payment You may notify its by phone at 18D0347-2683 a by mad at the address kdsd n rte previous paragraph. 0 your payments nosy vary n amount we wig tell you an soon mat?ty strdement when your payrneM silo be made and taw much A wit be. YaurAutomatie payment amount maybe {ass tfren indicated an the rthorhthly statement based on credits cr paytrhenls appked during rte Ming cycle. Credit Repor". We mayreport idomhalim about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report We nennaiy report the status and payment history of your Account to aeon reporting agencies each month. It you believe that our report is inaccurate or incomplete, please write us at the folawrg addresr Discover, PO Box 15316. Wilmirgton, DE 196505316. Please indude your name, address, dome telephone number and Account number. KRIOMf1NAKECHARGES. Periodic Finer" Changesateimposed on altransactions tramthedatetinetransaeonisposted loyourAccount wNthedate youpayyour entire New Balance. by staking payments or receiving credits. However, A you paid the New Balmy on your previous billing statement by the Payment Due Date shown on that statement, and you pay the New Balance by the Payment Due Data on your current filig statement the will not impose Periodic Finance Charges on new purchases, that is, purchases first appearing, on the current statement. We call this the trace period. Ottervoce, you will receive a biting slatenrhehtnext month dial ndudes Periodic Finance Charges on those new purchases. There is no grace period on balance transfers or cash advances. We sort your transactions into groups of purchases, ash advances, and balance transfers and then further sort the ransections whin each group by their Annual Percentage Rate. For example purchases subject to a promotional rate and purchases subject to a standard rate would be separate groups. We rater to these groups as transaction categories. At the end of each billing period, we eehtptta balances and Periodic Finance Charges for each day of the billing period for each transaction category. We use the following equation to conpule Periodic Finance Chages for each transaction category: Average Daly Balance x number of days in the billing periodx Daly Periodic Rate. (You may refer to the finance charge summery on your bung stawnent for these amounts) Then we add up the Periodic Finance Charges for each transaction category to gal the total Periodic Finance Charges for your t Ac wuhL The Average Daily Bak" is shown as zero 0, because of the grace period, no Periodic Finance Charges apply to the balance In a transaction category. We use the Average. Daily Balance (including new transacticns),methgd.of calculating the balerrxh upon wh chwe inpOSe Pet edit Finance Charges. We_eomp to Ihe.Average Daily Balance for each transaction category by adding up all the daily balances in a boning period for a transaction category end dividing the total by the number of days in the billing cycle. We compute the daily balance for each transaction category on each day by first addgg the logown to the previous days daily balance: transactions made that day, fees changed that day and Periodic Finance Charges accrued on the previous, days daily balance: end by then subtracting any credits and payments that are applied against the balance of the transaction category on that day. Incalculating the daily balance for the fast day of the biting period, we consider tee 'previous day's balance' to have been your balance for each transaction category on the last day of your previous bRng period. If a transaction is posted to your Recount after the dose o(the billing period in which it occurs, we wit treat the transaction as hav- ing occurred on The fist day of the billing period In which A is posted to yohrAccount, All fees (charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to rite apprable rash advance transaction category and Balance 7ransfar Transaction Fee Finances Charges which are added to the applicable balance transfer tram acorn category. When a special balance trensfer rate expires, we move the unpaid belarce of the balance ransfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase frarsaction category. However, 0 one special rate has been terminated under the Default Rate Plan, we leave the unpaid balance of the balance transfer and the Batanoe Transfer Trans. action Fee Finance Charges in the applicable transaction category until the special rate would have expired. For TO (Te lecommuniadom Device for the beat{ assistance, please call 14WUT-7449. Discover may monitor arrdlor record telephone calls between you and Discover representatives for quality assurance purposes 1The Discover' card is issued by Discover Bank, Member FDIC. MTBK170 PaYsro ATHYKN Account nummbe DISCOVER t' A er ending in 8200 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 1i 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. ®2010 Discover Bank, Member FDIC a PPRGRN.0810 Closing Date: July 27, 2008 page 2 of 2 Finance Charge Summary Balance Transfer offer for current billing period: Daily Periodic Rate: 0.02712%; corresponding ANNUAL PERCE NTAGE RATE: 9.90%, 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 CHARGES CHARGES current billing period: 30 days Purchases $9553.36 0.01915% 6.99% V 6.99% $54.89' $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $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 L!$1'94.00__ nimum Payment Due $9,745.21 -_- . Payment Due Date September 26, 2008 27 SDSN6A01 0022177 KATHY KNAUB 165 SALEM CHURCH RD MECHANICSBURG PA 17050-2835 Account Number ending in 8200 Enter Amount Enclosed Below 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. It's fast and it's free. Download now at discover.condapps PO BOX 71084 11111111""'I'II"'111IIH CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space III IIII IRill IIIII IIIIIII III r11IIIIoil IIli III lilt 11111111oil 111 above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986618140952214097452100200000019400 Discover More Card Account Summary Closing Date: August 27, 2008 page 1 of 2 Account number ending in 8200 Previous Balance $9,660.41 Payment Due Date September 26, 2008 Payments And Credits 615.70 Minimum Payment Due $194.00 Purchases + 641.46 Credit Limit $11,600.00 Cash Advances + 0.00 Credit Available $1,854.00 Balance Transfers +• 0.00 Cash Credit Limit $5,800.00 Finance Charges + 59.04 Cash Credit Available $1,854.00 New Balance = $9,745.21 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 0.70 New Cashback Bonus This Period + 0.56 Cashback Bonus Balance $ 1.26 Cashback Bonuses Anniversary Month: January Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonw(R). 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 1-800-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 take City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Aug 7 Aug 8 QVC*35 1 01 0008 101 *CREDIT 800.367-9444 PA $ -18.41 Aug 7 Aug 8 QVC*351009959801 *CREDIT 800.367-9444 PA -18.41 Aug 7 Aug 8 QVC*351063839402*CREDIT 804367.9444 PA -27.61 Aug 7 Aug 8 QVC*351063839401 *CREDIT 800-367-9444 PA -29.12 Aug 7 Aug 8 QVC*351049728501 *CREDIT 800.367-9444 PA -31.44 Aug 7 Aug 8 QVC* 3 51009 684702 *CREDIT 800-367.9444 PA -37.34 Aug 7 Aug 8 QVC*35 1 064 1 77001 *CREDIT 804367-9444 PA -37.60 Aug 7 Aug 8 QVC*351009337901 *CREDIT 800.367-9444 PA -43.75 Aug 7 Aug 8 QVC*351009999001 *CREDIT 804367.9444 PA -46.08 Aug 7 Aug 8 QVC*3 5 1 0098 84 701 *CREDIT 804367-9444 PA -52.44 Aug 7 Aug 8 QVC*351049834501 *CREDIT 804367.9444 PA -57.61 Aug 8 Aug 10 QVC*351063839403*CREDIT 800.367-9444 PA -15.89 Aug 26 Aug 26 PAYMENT - THANK YOU -200.00 Merchandise/Retail Jul 27 Jul 28 QVC*3 5 1 024 92 570 1 * I OF 2 800-367.9444 PA 19.16 Jul 27 Jul 28 QVC*351026161901 * 800.367-9444 PA 66.87 Jul 28 Jul 28 QVC*351049728501 * 1 OF 3 800.367-9444 PA 31.44 Jul 28 Jul 28 QVC*351064177001 * 800.367.9444 PA 37.60 Jul 29 Jul 29 QVC*351063839403*I OF 4 800-367.9444 PA 15.89 Jul 29 Jul 29 QVC*351 063 1 58302*1 OF 2 800.367-9444 PA 23.13 Jul 29 Jul 29 QVC* 3 5 1 063 1 5830 1 *11 OF 2 800.367.9444 PA 25.17 Save time. Pay your bill online. It's easy, convenient, secure and free. Just fog in or register at the Account Center on D scover.com and your payment will be posted the same business day - up to 5 pm Eastern time. Important Information. If there is more than one page to this biting statement, see the back of each page for additional importent information. See your Cardmember Agreement Your CardmemberAgreement contains all the terms of your A=unL Log or stolen cards. Report immedately! Cali 1-8"7-2683. Bltng Rights Summary. in Case of Errors or Questions About Your Bit: If you think your bill is wrong, or d you need more infomgGon about a tranaartlen an your dill, wrte to us on a separate sheet of paper at Discover. PO Box 39421, Sell Lake City, UT 84139-0421, as soon as possible. We must hear from you no later titan 60 days after we, sent you the fast bill on which the error or problem appeared. You can telephone us, but doing so vnl nol preserve your rights, In your letter, give us file following information: Your name and Account number • The dolar amount of the suspected error • Describe the error and explain. W you can, why you beleve there is an ens. it you need more information, describe the hem jou are unsure about. You do not he" to pay any amount in question while we are investigating, but you are still obligated to pay the pans of your bill that are not in question. While we investigate your question, we carrot report you as delinquent or take any action to collect the amount you question. Special Rule for Credit Card Purchases: It you two a problem with the quality cl.goodsor services that you purchased with a credit card, and you have tried in good faith to cares 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 the purchase price was more then $50 and the purchase was made in your home state or wlfhih 100 miles of your mailing address. St we own or operate the memhanL or Ewe malted you the advertisement for the goods or services, all purdhases are covered regardless of the amount or location of purchase.) Psyrnenb- Send only you payment and the lop portion of this statement in the erwelape Provided. Do not sand cash. By sending your check as described above, you authorize us to use information on your lack to make an ek'cbdnb fund transfer horn your account at the francial utslkAiom indicated on your check or to process the payment as a check transaction. Rpayrnertzprocessed asonetatmomlordtans11ar,lh walimmlbeforiheamount onfiediedk.When weuseImlarmalimnfrom yourdnedktomake anelecuomfund transfer, funds "be rrithdrarm from your account as soon as the same day we receive your payment, and you wiq not rerxeve you check back from you fnanciat institution. The processing of you payment maybe delayed if you send cash, coneeporderwe or other items with your payment, if you send are payment to any other address or t you use an onvelape other two that toe provided. Payments received in proper forth at our processing facility by 5PM local time on any day will be credited to yourAcoord as of that day. Payments received at our processing "lly, after 5PM local am will be credited to your Accotari as of the next day. If your have misplaced your envelope, send yowMitiont to Discover, PO Box 6103, Card Stream, L 60191.61103. Please allow 7-10 days for delivery. It your payment is returned unpaid, we reserve the right to resubmit it as an electronic debnL You can pay your minimum payment or a greaferahhamt over the telephone, and you can set up automate payments. Call us at ISO-347-2683. You wl reed this statement and your be* acoomt information You must ensae.lhat sufficient funds are available in you be* account, and all tremsaaiots must comply with U.S. law- You oil be asked to provide file first 5 dgas of you award statement zip code. By entering lose numbers as you electronic signalise, you will be agreeing to M authorization to allow us and your bank to deduct each payment you :.P?dcoaccount. as applrable, to correct an attar ih the processnxg d such payment You must i ce aph. 6 may be less tan ted on the monthly slatenenl Rased on credits a paymerds aped ed cur ng the h Aug cycle. Credit Reporting, We may report i formabon about you account to credit bureaus- late payments, missed payments, or other defaults on you account may be reflected in you credit report We normally report the ststus and payment history, of ym- Account to credit reporting agencies each wadi. It you believe that our report is insowm e or incomplete. please write us at she folowitpj address: Discover, PO Box 15316, Wilmington, DE 1986M31& Please include yorrame, address. horns telephone ambef and Account number PERIODIC FRANCE CHARGES. Periodic Fmo ce Charges are imposed on all transactions ham the date the transaction is pasted to yourAccount until the date you pay your entire New Balance, by maki g psyments or receiving credits. However, if you paid the New Balance on your previous billing statement by the Payment Due Date shown on that statement, and you pay the New Balance by the Payment Due Date on you current billing statement we oil not impose Periodic Finance Charges on new purchases, thal is, purchases first appearing on the current statement We cal this one grace period. Ct ermse, you will receivea billing slatemerr next month to includes Periodic Finance Charges on those now purchases. There is no grace period on balance transfers or cash advances. We sot your lrausediavs idle groups of purchases, cash advances, and balance transfers and then tudtw sat the trenseaiaw within each group by their Annual Percentage Rate. For example, purchases subject to a promotonai rate and purchases subject to a standard rate would be separate groups. We refer to these groups as transaction categories. At the end of each billing; period, we compule balances and Periodic Finance Charges for each day of the blFrg period for each transaction category. We use the fdtowing equation to compute Periodic Finance Charges for each frarraecdon category: Average Daly Balance x number of days in the biding period x Daily Periodic Role. (You may refer to the finance charge summary our you hitting statement forthese amounts.) Then we add up the Periodic Finance Charges far each transaction category to get the total Periodic Finanoe Charges for your AccarM. The Average Daily Balance is shown as zero 6, because of the grace period, m Periodic Finance Charges apply to the balance in a transaction category. We use the Average Daily Balance (including new.bansoci mks) method of raiculefmg the balance upon which we impose Perolic Finance Charges. We compute the. Average Day Balance for each transaction category by adding; up at the daily balances in a biffig period for a transaction category and dividing the total by the number of days in the biting cycle. We compute the daily balance for each trensadram category on each day by first adding the topawerhg to the previous day's daily balance. transactions made shat day, tees dmrged teat day and Periodic Finahce Charges eocnued on the previous day7S daily balance: and by than subtracting any credits and peymetts that are applied agaist the balance dare transaction category on that day, In calculating the daily balance for the IN clay of the Ming period, we consider Rde'previou sdayrs balance' to have been your balance for each transaction category on dha last day of you previous bill period to transaction is posted to your Account after the dose of the billing period in which it occurs, we will treat the transadon as hav- ing o cuoed on the brat day of the bring period in which it is posted to your Aoxxxadt All lees charged to your Account are added to file standard purchase transaction cetegoywith the exception of Cash Advance Transaction Fee Finance Charges which are added to the appiaMe cash advance Insmadion category and Balance Transfer Transaction Fee Finances Charges which are added to the applicable balance transfer transaction' category . When a special balance transfer rate expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category. However, l the special rate has been term hated under the Default Rate Flan, we leave the unpaid balance of the balance transfer and the Balance Transfer Trans- action Fee Finance Charges in the applicable transaction category until the special rate would have expired. ForTQD.{Telecommunleall De i= for the Deaf) assistance, please eel 14100.347.7449. Discover may monitor ad+or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover' cad is issued by Discover Bank, Member FDIC. O1TSK170 DISCOVER It pays to KATHY KNAUB Account number ending in 8200 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 II 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. @2010 Discover Bank, Member FDIC PPRGRN.0810 Closing Date: August 27, 2008 page 2 of 2 Merchandise/Retail Jul 29 Jul 29 QVC*351064287002* 800.367.9444 PA 26.48 Jul 29 Jul 29 QVC*351063839402* 800-367-9444 PA 27.61 Jul 29 Jul 29 QVC*351064287001 * 800-367-9444 PA 28.59 Jul 29 Jul 29 QVC*351063839401 * 800.367-9444 PA 29.12 Jul 29 Jul 29 QVC*35 1 06 3 8 8 7901 * 800-367-9444 PA 36.14 Jul 29 Jul 29 QVC*351063887902* 800-367-9444 PA 42.37 Jul 29 Jul 29 QVC*351049834501 * 800.367-9444 PA 57.61 Jul 30 Jul 30 QVC*351048306701 * 800-367-9444 PA 74.28 Services Aug 25 Aug 25 LIFE OUTREACH INTL 800-811-1308 TX 100.00 10968877 Information For You Discover(R) Card proudly supports Junior Achievement, dedicated to teaching K-12 students how to be workforce ready, entrepreneurial, and finoncially.liferate. Contribute your. Cashback Bonus(R) to Junior Achievement and Discover Cord will add an additional 20%. Visit www.discovercard.com or www.jo.org. Finance Charge Summary Balance Transfer offer for current billing period: Daily Periodic Rate: 0.02712%; corresponding ANNUAL PERCE NTAGE RATE: 9.90%. 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 CHARGES CHARGES current billing period: 31 days Purchases $9945.40 0.01915% 6.99% V 6.99% $59.04 $0 Cash Advances $0 0.06299% 2199% F 22.99% $0 $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 D'tscover.com or call 1-800-DISCOVER (1-800-347-2683). yent Due I Account Number ending in 8200 i, New Balance Minimum Pam ??+) (COVE 1` $10,295.31 $205.00 _ _ Enter Amount Enclosed Below Payment Due Date $ October 26, 2008 Plea>e make check payable to Discover Card or pay online @ Discovercard.com. 27 SDSN6A01 0022178 KATHY KNAUB Tired of buying stamps? Go mobile! Make and schedule payments from your phone 165 SALEM CHURCH RD with the Discover app. It's fast and its free. MECHANICSBURG PA 17050-2835 Download now at discover.cotnlapps PO BOX 71084 CHARLOTTE NC 28272-1084 F,:dress, e-mail or telephone change? Print change in space 'lr?r?(??)?i?(r))irl)rr)r(rrr({?)lrr)r?)rr(ir(lrr(rl)rr)rlrr(l c6ove, or go to Discover.com. Print your e-mail address to reeve important Account information and special offers. 000001986618140952214102953100200000020500 Discover More Card Account Summary Closing Date: September 27, 2008 page 1 of 2 Account number ending in 8200 Previous Balance $9,745.21 Pcymenf Due Date October 26, 2008 Payments And Credits 200.00 Minimum Payment Due $205.00 Purchases + 689.62 Gedit Limit $11,600.00 Cash Advances + 0.00 Credit Available $1,304.00 Balance Transfers + 0.00 Cash Credit Limit $5,800.00 finance Charges + 60.48 Cash Credit Available $1,304.00 New Balance = $10,295.31 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Boftuse Opening Coshback Bonus Balance $ 1.26 New Cashback Bonus This Period t 1.72 Cashback Bonus Balance $ 2.98 Caishback" I56nba Anniv6rsary Month: January Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R). How Can We Help You? 1. Visit Discover.com to pay your 691 for no cost, view our latest Account information, earn and redeem rewards and more ?f'S your Ch0lCe - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy self-service M options or to speak with a Customer Service Account anager Please have Discover Card available. 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 Date Data Payments and Credits Sep 26 Sep 26 PAYMENT -THANK YOU $ -200.00 Merchandise/Retail Aug 26 Aug 28 KMART MECHANICSBURGPA 37.54 Aug 26 Aug 28 OWES BARGAIN OUTLET 3 MECHANICSBURGPA 31.74 Aug_27_ Aug 28 _QVC*351024925701 *2 OF 2 800.367-9444 PA 19.16 Aug 30 Aug 30 QVC*35 1 063 1 5 8 302*2 OF 2 800.367.9444 PA 23.13 Aug 30 Aug 30 QVC*351063158301 *2 OF 2 800.367-9444 PA 25.17 Sep 3 Sep 3 KMART MECHANICSBURGPA 35.53 Sep 11 Sep I 1 BARGAIN BEACHWEAR 4 MYRTLE BEACH SC 64.1 1 Sep 11 Sep 11 BARGAIN BEACHWEAR 11 N MYRTLE BEACSC 28.87 Sep 12 Sep 12 WHALES #61 N MYRTLE BCH SC 52.39 Sep 13 Sep 13 SHORE STORE II MYRTLE BEACH SC 21.40 Sep 14 Sep 14 PACIFIC N MIRTLE BEACSC 17.09 Sep 2,4 Sep 24 ORECK CLEAN HOME CENTER CAMP HILL PA 63.59 Restaurants Sep 13 Sep 13 ORIGINAL BENJAMINS CALAB MYRTLE BEACH SC 1 10.81 Gasoline Sep 6 Sep 6 CITGO 2786 KANGAROO AUSTINVILLE VA 56.33 L33278605 Services Aug 27 Aug 28 JOYCE MEYER MINISTRIES 636-349-0303 MO 25.00 Supennarkets Sep 9 Sep 9 BI-LO 4702 N MYRTLE SC 38.35 Save time. Pay your bill online. It's easy, convenient, secure and free. Just k>g in or register at the Account Center on Discover.com and your payment will be posted the same business day - up to 5 pm Eastern time. Important Information. t there is more than one page to this billing statement, see the back of each page for additional importanl information, ce 0 See CardmemberA reementYomCerdmember your g Agreement contains, attheforms of your Account z En Lost or stolen cards. Report immediately! Cat 1.804347.2683. o Billing Rights Summary. In Case of Enos of QuesfionsAbcd Your Bit: Ii you fink your bit a wring, or if you need more information about a transecion on your till, write to us on a g separate sleet of paper at Discover, PO Box 30421, Safi Late City UT 84130.0421, as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. in your letter, give us the totlaxing information - Yap name and Account number. cc • The dollar amount of the suspected war • Describe the error and eyplain, 4you can, why you believe there is an error. If you need more information, describe the item you are unsure abed. v 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 tat are not in question: While we investigate your question, we cannot report you as delinquent or take any action to oo0ect the amount you question. Special Rule for Credit Card Purchases: If you have a problem with the quality ot.goods or services that you purchased with a credit card, and you have fried in good faith to oared line problem with the merchant, you may not have to pay the Tomainirrg amour due on the goods or services. You have this protection only when the purchase price was more then $50 and the purchase was made in your home state or within 100 miles of your making address. (t we own or operate the merchant or 0 we mailed you the advertisement for the goods or services, at purchases are covered regardless of the amount or Location of purchase.) Payments. SOW 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 autorze tins to use information on your check to make an eklronlo had transfer from yarn accent at the financial instiotiah indicated on your check or to process the payment as a d" transaction. if ?eymeM is processed as an electronic turd ransfer, to henatetwill be for On amount on the dudt.When we use incarnation from your dheickto make an electron; fund tansies, funds may be withdrawn from your accent as soon as the semeAsy via receive your payment and you will not receive your check back from your financial institution. The processing of your payment may be de*W it you send cash, co esponderoe or other items with your payment if you send the payment to any other address or t you use an envoi pe other ten the one provided. Payments received in proper form at our processing fact'ry cal time by 5PM day will Account as as your that day. Payments Pay of 9 ' ox received at out processing facility titer SPM local Lima will be credited to youAtzioraifas of the next da y. If you your r payment have misplaced your envelope, , send to Discover, PO Box . 6103, Corot Sheam, IL 60197.6103. Please allow 7-10 days 1% delivery N your payment is tehime8 unpaid, we reserve the right to tesubmit it as an electrork debit You can pay your minimum payment or a greateranaunt truer the telephone, and you can set up automatic payments. Cat us at 1.804347.2683. You well need this statement and your bank accent information. You must ensue that sufficient funds are available in your bank account, and at transactions must comply with U. S. few. You wit be asked to provide the first 5 dg b of your account statement zip code. By entering those mentions as your electronic sigrotue, you witbe agreeing to this authorization to allow us and your bank to deduct each payment you authorize tan your bank aceour t, and to WOO debit or credit erNnes to your bank account, as applicable, to correct an error in the processing of such payment You must Id ust the smou tof each payment, or you can select an amountsuch as the Mina im Psyrthat Due or tie Neer Balance on each stiMment. You can cancel a payment however we must rexiive notice at oast tree business days n advarrce ott w sdhedled payment. You may notify us by phone at 1480347-2663 or by metal the address listed in the previous paragraph. If your payments may vary in amount we will beg you on each mantlly statement when your payment will be made and how much 0 will be. Your Automatic payment mount may be less Ilan indicated on the monthly statement based on credits or payments appied during the bi6g cycle. Credit Reporting. We may report information about your account m credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit tepat We normally report the status and payment history d mAoooutto oredtt'eporting agethcies each month. It you believe that our repot is iaockaate or noon*te, please write us at the following access: Discover, PO Box 15316. Wi7mirgtan, DE 1985=16. Please include yow none, address, home. telephone number. andAcdauuht number. PERIODIC FINANCE CHARGES. Periodic Finance Charges are srpossd an all transactions tram the date the transaction is posted to your Account until the date you pay you entire New Balance, by making payments or receiving credits. However, if you paid the New Balance on your previous oiling statement by the Payment Due Date shown on that statement and , you pay Me New Balance by the Paymerg Due Date on your cadent biting sfnlement, we will not impose Periodic Finance Charges on raw purchases, that is, purchases first appearing on the current statement. We cat this the grace penad.Otherwise, you wit receive a biting statement rhexrmonth that includes Periodic Finance Charges an those new purchases. There al no grace period on balance transfers or cash advances. We sort your transactions Into groups of purchases, cash edvamces. and balance transfers and then further sort the transactions within each group by their Am ial Percentage Rate. For example, purchases subject to a promotional rate and purchases subject to a standard rate would be separate groups. We refer to these groups as transaction categories. At The end of each biting period, we compute balances and Periodic Finance Charges for each day of Ile b>iN period for each transaction category We use he tolbwing equation to compute periodic Fiance Charges for each transactor eaieW Average Defy Balance x numkw of days a the biting period x Daily Periodic Rate. (You may refer to the hence dtage summary on your biting statement for>fiese anoints.) Then we add up the Periodic Fiona Charges for each transaction category to get the, total Periodic Finance Charges for your Account. The Average Daily Balance is shown as zero if, because of the grace period, no Perlodc Finance Charges apply to the balance in a transaction category. We use the Average. Daily Balance (ind [rig new transactions) meted of calculating the balance upon which we appose Periodic finanoe_ Charges. We compute the Average Daily Balance for each transaction category by addng.up all hue daily balances in a biting period for a transaction category and dividing the total by the number of days in the biting cycle. We compute to daily balance for each transaction category on each day by Waddling the following to tie previous day's daily balance: transactions made that day, fees charged that day and Periodic Finance Charges accrued on the previous days daffy balance. and by tan subtracting any credits and payments Ural are applied against the baance of the transaction category on that day, In calalating the dal, balance for the first day of the biting period, we consider the "previous days balance' to have been your balance for each transaction category on the last day of yaw pnavio is ng period. Lis transaction is posted to your Account a8er to close 011he biting period in which it occurs, we will treat the transaction as hav- ing occurred on to first day of the biting period in which it is pasted to yourAccount NI fees charged to your Accent are added to rte standard purchase transaction category with the exception of Cash Advance frarsacton Fee Finance Charges which are added to the applicable cash advance transaction category and Balance Transfer Transaction Fee Faances Charges which are added to the applicable balance transfer transaction category. When a special balance transfer tale ==, a the unpaid balance of the balance transfer and ft Balance Transfer Transacton Fee Finance Charges to the strnderd purchase , transection category. However, has been terminated under the Defutt Rate Plan, we leave the unpaid balarv, of the balance transfer and the Balance Transfer Trans- action Fee Finance Charges in to applicable transaction category and the special rate would have expired. For TOD (Telecommunications Device for the Deaf) assistance, please call 1-80(-347-7149. Discover may manioc ardfor record telephone calls between you and Discover representatives for quality assurance purposes The Discover" card is issued by Discover Bank, Member FDIC. O1TSK170 DISCOVER ttpo ?? - KATHY KNAUB I Account number ending in 8200 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 Discovertom/paperless and sign up for Paperless Statements today. CaO10 D';saver Bank, Member FDIC ?R s PPRGRN.0810 Closing Date: September 27, 2008 page 2 of 2 Supermarkets Sep 14 Sep 14 816L0 #702 N MYRTLE SC 39.41 Finance Charge Summary 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. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARM_ CHARGES current billing period: 31 days Purchases $10187.70 0.01915% 6.99% V 6.99% $60.48 $0 Cash Advances $0 0.06299% 22.99% F 2299% $0 $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 11-800-347-2683). DISCOVER Now Balance Minimum Payment Due! Account Number ending in 8200 $12,223.14 $244.00 Enter Amount Enclosed Below Payment Due Date $ November 26, 2008 please make check payable to Discover Card or pay online @ Discovercard.com. 27 SDSNSnot 0022179 KATHY KNAUB 165 SALEM CHURCH RD MECHANICSBURG PA 17050-2835 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 free. Download now at discover.conyapps PO BOX 71084 11111111 CHARLOTTE NC 28272-1084 I„I,II r,l„?I,II„.I.,I,I, r,llll,,,I,rl„I„II„I„1„1,1„II 00000198661814095221412223],400000000024400 Discover More Card Account Summary Closing Date: October 27, 2008 page 1 of 2 Account number ending in 8200 Previous Balance $10,295.31 Payment Due Date November 26, 2008 Payments And Credits 205.00 Minimum Payment Due $244.00 Purchases + 2,067.32 Credit Limit $12,600.00 Cash Advances + 0.00 Credit Available $376.00 Balance Transfers 0.00 Cash Credit Limit $6,300.00 Finance Charges + 65.51 Cash Credit Available $376.00 New Balance =. $12,223,14 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 2.98 New Cashback Bonus This Period ± 10.88 Cashback Bonus Balance $ 13.86 Cash back BontnO S!M4'Ar hM§rWy Month_ January: $13.86 Keep building your, rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R). How Can We Help You? p 1 • Visit Discover.com to pay your bill for no cost, view 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 Oct 26 Oct 26 PHONE PAYMENT - THANK YOU $ -405.00 Merchandise/Retail Sep 25 Sap 28 PETSMART INC 583 MECHANICSBURGPA 45.50 0583296010601233916076 Sep 26 Sep 28 BORDERS BOOKS 01004555 CAMP HILL PA 143.95 Sep 27 Sep 28 BORDERS BOOKS 6100,4555 CAMP HILL PA 93.98 Oct 7 Oct 7 KMART MECHANICSBURGPA 84.12 Oct 9 Oct 9 QVC*351840569802* 1 OF 3 800-367-9444 PA 17.47 Oct 9 Oct 9 QVC*351840569801 *I OF 3 800.367.9444 PA 18,51 Oct 10 Oct 10 QVC*35 1 86 3280801 * 1 OF 4 800-367-9444 PA 17.28 Oct 10 Oct 10 QVC*35 1 8 62648401 *I OF A 800-367-9444 PA 17.28 Oct 10 Oct 10 QVC*351851615301 * 1 OF 5 800.367-9444 PA 24.99 Oct 10 Oct 10 KMART MECHANICSBURGPA 69.58 Oct 10 Oct 10 RITE AID MECHANICSBURGPA 36.25 Oct I 1 Oct 1 I QVC*35 1 86382750 1 * 1 OF 2 800-367-9444 PA 24.93 Oct 11 Oct 11 QVC*35 1 863 827502* 1 OF 2 800-367-9444 PA 24.93 Oct 1 1 Oct i 1 QVC*351851237101 * 800.367-9444 PA 37,97 Oct 14 Oct 14 MICHAELS #2754 CAMP HILL PA 50.31 Gasoline Oct 3 Oct 3 BP OIL 02446862 NEW CUMBERLANPA 335.50 Automotive Oct 20 Oct 20 PEP BOYS 1.800.991-2804 MECHANICSBURGPA 1,024.77 Save time. Pay your bill online. It's easy, convenient, secure and free. Just log in or register at the Account Center on Discover.com and your payment will be posted the some business day - up to 5 pm Eastern time. Important Information. t there is more than one page to this billing statement, see the back of each page for additional important information. See V= Casdme"iba AgreementYax Cardtn abet li gkeementcor"M all the terms d your P=MML Lost or stolen cards. RAW immediately! Call t-6D0347.2683. Biting Rights Summary. In Case of Errors or Questions About Your 811: If yyoouu lank your bit is wrong, or. t you need more information about a transaction on your bil, write to us on a seperaae ahcetof paper at Discover, PO Box 30421, Salt Lake City, UT 8413021, as soon as possible. We must hear from you no later than 60 days after we sent you the fist hit on wfadh the error or problem appeared. You can telephone us. but doing so wilt riot preserve your rights. In your letter, give us the following infommaton: • You nerve and Amount number. • The dolor amazed of the suspected error • Describe the error and explain, lyou.can, why you helhave there is an error. 4 you need more information, describe the item you are unsure about You do rat have to pay any Amount in question while we are investigating, but you are stil obligated to pay lie pads 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. Spacial Rude for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card, and you have load in good faith to correct the problem with the merdhard, you may rat have to pay lie remaining amount duo on the goofs or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 males of your mailing address. (6 we own or operate the merchhant, or if we mated you the advertisement for the goods or services, all purdieaes are covered regardless of the amourt or location of purchase.) Paytretrts. Send only your payment end the top portion of dlia statement in the envelope provided. Do not send rash. By sending your check as described above, you authorize us to use irdonnaion on your check b make an electronic hind traruler from your account at the feharrdal inslkntion indicated on your check or to process the payment as a check transaction. 9 payroa<dis processed as ametacmrvcfund. 6arxber,*4 Ui is(ervalbe to time wnwrumton the chock. Wlanwe use information tram you clerk to make an electronic fund transfer, leads may be withdrawn horn your Account as soon as the same day we receive you payment, and you will rat receive you deck back from your financial institution. The processing of your payment may be delayed it you send cash, correspondence or other items wlh your payment, it you send the payment b any other address or 0 you use an eraelope odher tfen the one provided, Payments received in proper tam at our processing facility by 5PM local time on any day will be credited to yaw Account as of that day. Payments teceived at as processing Utility after SPM local lime will 1earedled to your Account as of the text day It you have misplaced your envelope, serd you payment to Discover, PO Box 6103, Carol Stream, 4.60197-6103. Please slow 7-10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debt You can pay your mmim rn payment or a greater Amount over the telephone, and you can set up automatic payments. Call us at 1800347.2663. You oil need this statement and your bards Account nkrmadon. You must ensure that sWidem kinds are available in your bankaccounl and al transactions must comply with U_S.law. You will be asked to provide the fast 5 digits of your account Ademe t zip code. By aMerrg fftose numbers as your electronic signature, you wit be agreeing to this Retort to allow us and you bank to deduct each payment you audorae from your band( account, and to initials debit or credit entries to your bank account, as applicable, to cored an am in the processing of such payment. You nw tell is One Amount of each payment, or you can select an amoat:sumh as die Minimum Payment Due or the New Balance on each statement.. You can cancel a payment, however we mist receive notice at least three business days in advaice of the scheduled paymlenL You may rhntiy us by phase at 1800J47-2683 or by mail at the address fisted in the previous paragraph. If your payments may vary in amaait, we will tel you on each morthdy statement when your payment will be made end how much it will be. YourAutomak payment amount may be less Im indicated on the m onddysfaternent based on credits or payments Applied during le billing cycle. Credit Reporting. We may report information about your account to credit bureaus- Late payments. missed payments, or other defaults on your arrant may be reflected in you credit report We normally report 11he status and Perot history of your Account to credit reporting agencies each morph. If you believe that our report is inaccurate or incomplete, {tease write us at the blowing adreess: Discover, PO Box 15316. Wilmington, DE 198505316: Please include your name, address, home telephone number and AoDount number. PEUMIC FINANCE CHARGES. Pandic,Fserce gorges we itri osedan e/htsansadamfrom tbe date the hmmadion is posted to your Account %U the date you pay you entke Now Balance. by i making paymenis or receiving credits. However, 9you paid the Now Balance on you previous billing statement by the Payment Due Date shown on dial statement, and you pay the New Balance by this Payment Due We an you orrent puling statement, we wig not impose Periodic France Charges on new purchases. that is, purchases first appearing or to current statement. We cal this to grace period- 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 sort you trarisarnais into groups of purchases, cash advances, and balance transfers and than furdier sort the ton sections within each gawp by 9*0Annual Percentage Rate. For example purchases wbjekt to a promobonal rate and purchases subject to a standard rate would be separate groups. We refer to these groups as transaction calegodes. At the end of each billing period; we compute, balances and Periodic Finance Charges for each day of lie billing period for each transaction Category We use the following equation to compute Periodic finance Charges la each treraaefim category: Average Daly Balance x numberof days in the billing period x Daily Periodic Rate. (You may refer to the finance dirge summary on your bilking statement for these amounts.) Then we add to the Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges for your . Account. The Average Daily Balance is atmn as zero it, because o(6e.gram period, no Periodic Finance Charges apply lo, the balance in a transaction category We use tithe Average .Dail y Balance (Imckidrg new trAnsacfions) method of caladating die balance upon which we irhpose Periodic Finance Charges. We compute the Average Daily Balance for each transaction category by adding up al (the daily balances in a falling period for a transaction category end dividing lie total by the number of days in the billing cycle. We compute the daily balance for each Iansactiort category on each day by first adding the following to the previous days daily balance: transactions made that day, tees charged dal day and Periodic Finance Charges accrued on the previous days daily balance: and by than subtracting any credits and payments that are applied against the balance of the transaction category on that day In calculating the daily balance for the first day of the billing period, we consider the 'previous days balance' to have been your balance for each transaction category on the test day efyourprpinoustiling period. Na transactim is posted to your Account after the dose of the Milling period in which it occurs, we wig treat the transaction as hav- ing occurred on the frsf day of lie biing period in wfhkdh A is posted to your Aocount. AN fires charged lo.youtAcoornt are added to the standard purchase berseosion category with the exception of Cash Advance Transaction Fee Finance Gorges which are added to the applicable sash advance transaction category aid Balance Transfer Transaction Fee Finances Charges which are added to the applicable balance transfer transaction category. When a special balance transfer raw expires, we move she unpaid balance of Me balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category However, if lie special rate has been terminated under the Defaup Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Trans- action Fee Frame Charges in the applicable transaction category until the special rate would have expired, For MD.(Telecom unicatione Device for the Deaf) assistance, please call /- NO-347-7449-Discover may monitor andlor record telephone calls between you and Discover representatives for quality assurance purposes. The Discover° card is issued by Discover BmK Member FDIC. OITBK170 DIC???/?p KATHY KNAUB J Y i? 'n? Ys?QV-Eff-J Account number ending in 8200 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-protectecl, statement history, complete with merchant names, locations and zip codes. Go to Discovetcom/paperless and sign up for Paperless Statements today. ")2010 Discover Bank, Member FDIC 71 1 ?R a PPRGRN.0810I Closing Date: October 27, 2008 page 2 of 2 Information For You Daily Periodic Rate: 0.02189%; corresponding ANNUAL PERCENTAGE RATE: 7.99%. Finance Charge Summary r Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $11402.75 0.01915% 6.99%, V 6.99% $65.51 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $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 Axount Number ending in 8200 $12,200.46 $243.00 J Enter Amount Enclosed Below Payment Due Date $ December 26, 2008 please make check payable to Discover Card or pay online ns Discovercard.com. 27 SDSN8AO1 0022180 KATHY KNAUB 165 SALEM CHURCH MECHANICSBURG PA RD 17050-2835 Tired of buying stamps? Go mobile! Make and schedule payments from your phone with the Discover app. It's fast and its free. Download now at discover.corr/apps PO BOX 71084 111 11 fill 11111111 1111 111111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space I??IrIlrrlrir?rllrr,Irrlrlrirllllrrrlrrlrrlrrl?ri{ii{iilrli?I? above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986618140952214122004600250000024300 Discover More Card Account Summary Closing Dater November 27, 2008 page 1 of 2 Account number ending in 8200 Previous Balance $12,223.14 Payment Due Date December 26, 2008 Payments And Credits 283.41 Minimum Payment Due $243.00 Purchases + 197.96 Credit Limit $12,600.00 Cash Advances + 0.00 Credit Available $399.00 Balance Transfers + 0.00 Cash Credit Limit $6,300.00 Eno- Charges + 62.77 Cash Credit Available $399.00 New Balance = $12,200.46 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 13.86 New Cashback Bonus This Period + 1.64 Cashback Bonus Balance $ 15.50 Cashback BonusO Since Anniversary Month January: $15.50 Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R). 1. Visit Discover.com to pay your 611 For no cost, view your How Can We Help You? latest Account information, earn and redeem rewardaaand more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347-2683) For fast, easy s4service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us 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. Past Date Data Payments and Credits Nov 26 Nov 26 PAYMENT - THANK YOU Nov 26 Nov 27 QVC*35 102578 840 1 *CREDiT 800-367.9444 PA Merchandise/Retail Nov 9 Nov 9 Nov 9- _ _Nov 9 - Nov 10 Nov 10 Nov 12 Nov 12 Nov 12 Nov 12 Nov 12 Nov 12 Nov 12 Nov 12 Nov 14 Nov 14 Nov 16 Nov 16 QVC*3 5 1 840569802*2 OF 3 800.367-9444 PA QVC*351 SA0569801 *2 OF 3 800.367-9444 PA _ QVC*351851615301 *2 OF 5 800.367-9444 PA QVC*351863280801 *2 OF 4 800.367-9444 PA QVC *351862648401 *2 OF 4 800.367=9444 PA QVC*351863827502*2 OF 2 800-367-9.444 PA QVC*351863827501 *2 OF 2 800-367-9444 PA QVC*351025788401 * 800.367.9444 PA QVC*213197922101 *11 OF 2 800-367-9444 PA $ .250.00 •33.41 17.47 18.51 24.99 17.28 17.28 24.93 24.93 33.41 19.16 Information For You Balance Transfer offer(s) for current billing period: Daily Periodic Rate: 0.02189%; corresponding ANNUAL PERCENTAGE RATE: 7.99%. Save time. Pay your bill online. It's easy, convenient, secure and free. Just log in or register at the Account Center on Discover.com and your payment will be posted the same business day- up to 6 pm Eastern time. Important Information. If these is more than one page to this billing statement see the back of each page for adddioaal important information. o See your Cardmember Agreement Your CardmemberAgreement contains all the terms of you Account z z Lost or stolen cards. Report inured stay! Cat IMO-347-2683. a 0 Billing RWMs Summary, In Case of Errors or Questions About You Bill: If you thimk.your bill is wrong: or if you need more information about a transad ion on your bill, write to us on a o separate sheet of paper at Discover, PO Box 30421, Soft Lake City, 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 0 ?s which the error or problem appeared. You can telephone us, but doing so wig not preserve your rights. In your letter, give us the following information: • Your name and Account number. om • The dollar amount of the suspected error • Describe the error and explain, if you can, why you believe there is an error. If you need more irdonnation, desc&e the Kem you are unsure about You do nothe*topa "amount ioquestonwhAeweweikwesivalirg,bulyouarestllobligated to pay the parts of bi0$malaranotin question. While we iwuysti Y gate your question, we cannot report you as delinquent or take any action to Collect the amount you question. Special Rude for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct dine problem with the merchant, you may not have to pay to remaining amount due on the goods or services. You have this proWcbon only when the purchase price was more then 550; and the purchase was made in you home state or within 100 miles of you arming address. (11 we own or operate the merchent or twe mailed you the advertisement for the goods or services, all purchases are covered regardless 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 information on your d" to make an electronic fund transfer from your aow mt at the finances inslitilion indicated on your check or to process the payment as a check transaction- W payment is processed as andecboticlund transfer, the trarvster will, be for.the amount on the check. When we use khormstion from your check to make an electronic fund transfer, kinds may be withdrawn from your acoxmt 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 t you send cash, correspondence or other items with your payment it you send it* payment to any other address or 6 you use an envelope other Akan the one provided. Payments received in proper form at our pmov*ig facility by 5PM 1=1 finals on any day will be credited to your Account as of that day. Payments received of our processing lacikty after5PM local Erne will be credited to your Account as of the next day, If you have misplaced your envelope, send you payment to Discover. PO Box 6103, Card Stream, IL 60197-6103. Please allow 7-10 days or delivery. A your payment is returned unpaid, we reserve the right to resubmit d as an electronic debit You can pay yaw minimum payment or a greater amount over the telephone, and you can set up automatic payments, Cell us at 1800347 X83. You will creed Amps statement and you bank account information. You must ensure Ant sufficient funds are available in your bank account, and all transactions must comply with U.S. law, You will be asked to provide lie IN 5 digift of your acmcmt statamenif 4 code. Byentering those numbers as your eledronte signature, you will be agreeing to Aus authorization to alloy us and you bank to deduct each payment you authorize from you bank account and to initiate debit or rredifentries to your bank account, as applicable, to correct an army in the processing of such payment You must oA us the amounl of each payment, or you can select an amount such as the Minimum Payment Due or the New Bice on each statement You can cancel a payment howevgr we must receive notice at least three business days in advance of the scheduled. payment You may notify us by phone at 1$06347-2683 or by mail at the address listed in the previous paragraph. H 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. Your Automafic payment am" may be less than indicated on the monthly, statement based on credits or payments applied during the biting cycle. Credit Reporting, We may report information about your armed to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in you trade report We normally report the status and payment history of your Account to credit reporting agencies each month. 0 you believe that our report is inaccurate or incomplete please write , us at fie following address, Discover, PO Box 15316, Wilmington, DE 198503316. Please include your name, address, home telephone number and Accauit number. PERIODIC FINANCE CHARGES. Periodic Finance Charges are imposed on all transeciahs from the date the transaction is posted to your Account urdil the date you pay you entire New Balance, by making payments or receiving weft. However, if you paid the New Balance on you previous biting statement by the Payment Due Date stnovm on met statement and you pay the New Balance by the Payment Due Date on your current blag statem>ant we will not impose Periodic Finance Charges on new purchases, that is, purchases first appealing on the current statement We call this to grace period. Otherwise, you will receive a b ding statement next month that includes Periodic Finance Charges on those now purchases. There is no grace period on balance transfers or cash advances. We sod you transactions a o.grou ps of purchases, cash advances, end balance transfers and then further sot the transactions within each group by their Amual Percentage Rote. For example, purchases subject fo a promotional tale and purchases subject to a standard rate would be separato groups. We refer to these groups as transaction categories. At the end of each billing period, we compute bahences and Periodic Finance Charges for each day of the biting period for each transaction category We use the fobwing equation to compute Periodic Rnance Charges for each transaction category: Average Daily Balance xnumbm of days in the biting pekiodx Daily Periodic Raw (You may refer to the inance charge your fulling staement for these amounts.) Then we add up the Periodic Faience Charges for each tmnsation category to get the total Periodic Finance Charges for your Account on Average Dally Balance is shown as zero if, because of the grace period, no Periodic Finance Charges apply to to bales ce in a transaction category . We use the Average Daly Balance (mcodirg.newtransactions) meted of calculating the balance upon.whichwe impose Pedod c Finance Charges. We compute the Average Daly Balance for each tiansearoh category by adding up all Abe daily balances in a bang period for a transaction category and d ividng the total by the number of days in the billing cycle. We compute the daily balance for each transaction category on each day by first adding the following to the prevtonu day's daily balance: transactions made that day, fees charged that day and Periodic finance Charges accrued on Me previous days daiy, balance: and by than subtracting any credits and payments that are applied against the balance of the transaction category on that day. In calculating the daily balance for ft first day of the biting period, we consider the'previous days balance' o have been your balance or each transaction category on the fast day of your previous billing period. K a transaction is posted to your Aeoo mt after the dose of the biding period in which it occurs, we will treat the transaction as hav- ing occurred on the fist day of the biting period in which it is posted to your Account. A) fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance transaction category and Balance Tfulder Transaction Fee Finances Charges which are added to the applicable balance transfer transaction category. When a spacial balance transfer We exphes, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction calegoy However, if the spacial rate has been terminated under the Default Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Trans- action Fee Finance Charges n the applicable trarwaction category until the special rate would have expired. For TDD (Telecommunications Device for the Deaf) assistance, please call 1400-347-7449. Discover may monitor anddor record telephone cats between you and Discover representatives lor quality assurance purposes. The Discover° card is issued by Discover Bank. Member FDIC. 01TSK170 DISCOVER I Go green. Go paperless. It pays to KATHY KNAUB DISCOVER J, Account number ending in 8200 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 j for Paperless Statements today. 02010 Discover Bonk, Member FDIC O*4 PPRGRN.0810 Dosing Date: November 27, 2008 page 2 of 2 Finish your holiday shopping from home this year. Discover Gift Cards come in a variety of designs - many with matching Greeting Cards. Choose any dollar amount from $20 to $500 - and shipping is FREE[ Good for purchases at millions of locations. Browse and buy at DiscoverGiftCard.com/holiday Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily b Periodic PERCENTAGE RAT PERCENTAGE FINANCE FINANCE ces Rates ES RATES CHARGES CHARGES current billing period: 31 days Purchases $12338.84 0.016,41% 5.99% V 5.99% $62.77 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $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). Account Number ending in 8200 DISCOVER New Balance Minimum Payment Due' $12,546.94 $490.00 Enter Amount Enclosed Below Payment Due Dote $ January 26, 2009 Please make check payable to Discover Card. Minimum yment due includes a past due amount of$243.00. 27 SDSN6A01 0022181 KATHY KNAUB 165 SALEM CHURCH RD MECHANICSBURG PA 17050-2835 Tired of buying stamps? Go mobile! 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 111 1111111111 11111191 111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space I?clrllrrl?c?lcllc?cl cl?l??c(((Iccr)? (rc(r?l(c?l„I?clcl?rl+ above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986618140952214125469400000000049000 Discover More Card Account Summary Closing Date: December 27, 2008 page 1 of 2 Account number ending in 8200 Previous Balance $12,200.46 Payment Due Date January 26, 2009 Payments And Credits 0.00 Minimum Payment Due $490.00 Purchases + 153.69 Credit Limit $12,600.00 Cash Advances + 0.00 Credit Available $5100 Balance Transfers + 0.00 Cash Credit Limit $6,300.00 Finance Charges + 192.79 Cash Credit Available $53.00 New Balance = $12,546.94 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Cashback Bonuse Opening Cashback Bonus Balance $ 15.50 New Coshback Bonus This Period ± 1.14 Cashback Bonus Balance $ 16,64 Cashback Bonus?'Since'Ariniversary Month January: $16,64 How Can We Help You? p 1. Visit Discover.com to pay your b11 for no cost, view our 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 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 Merchandise/Retail Dec 11 Dec 11 QVC*35 1 84 0569802*3 OF 3 800.367-9444 PA $ 17.47 Dec 11 Dec 11 QVC*351840569801 *3 OF 3 800-367-9444 PA 18.51 Dec 12 Dec 12 QVC*351851615301 *3 OF 5 S00.367-9444 PA 24.99 Dec 13 Dec 13 QVC*351863280801 *3 OF A 800.367-9444 PA 17.28 Dec 13 Dec 13 QVC*351862648401 *3 OF 4 800-367-9444 PA 17.28 Dec 17 Dec 17 QVC*213197922101 *2 OF 2 800.367-9444 PA 19.16 Other/Miscellaneous Dec 27 Dec 27 LATE FEE 39.00 Information For You * * * ATTENTION * * ` Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. 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: 30 days Purchases $12351.20 0.05203% 18.99% F 18.99% $192.79 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Save time. Pay your bill online. It's easy, convenient, secure and free. Just log in or register at the Account Center on Discover.com and your payment will be posted the some business day - up to 5 pm Eastern time. Important Information. If there is more than one page to this biking statement, seethe beds of each page for additional important information. On See your CardmemberAgreement Your CerdmemberAgmementeomains all the terms of your Account COO Z Lost or stolen cards. Report immediately! Call 1.8D0347-2663. o Biking Rights Summary. In Case of Errors or Questions AboutYour Bit H you think your bill is wrong, or it you need more information about a transaction on your bill, write to us on a e separate sheet of paper at Discover, PO Box 30421, Salt Lake City, UT 841340421,.as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on N which the error or problem appeared, You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: • Your name and Amount number. - ?° • The dollar amount of the suspected error Describe the error and explain. 9 you can, why you believe there is an enor. If you need more information, describe the item you are unsure abou You do not have to pay any amount in question vdx7e we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While ive investigate your question, we cannot teport you as delinquent or take any action to caked the amount you question. Special Rule for Credit Card Purchases: t you have a problem with to quality of goods or services that you purchased with a credit card. and you have tried in good faith to. correct the problem with that merchant, you may not 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 purchase was made in your home state or within 100 miss or your me* address: (k we own or operate the merchant, or if we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Paym ift. Send only your payrnert and the top porter of this statement in the envelope provided. Do not send cash. By sending your check as described above, you authorize us to use imormaton on your check to make an electronic fund transfer from your amount at the financial institution indicated on your check or to process the payment as a check transaction. if payment is processed as an electronic hid transfer, the transfer will be for to amount on the check. When we use information from your check to make an electronic fund transfer, funds may be wilhdrawn from your smount as soon as the someday we receive your payment, and you will not receive you dredk bade from your fiarrAl nstituion. The Processing of you payment may be delayed if you send; cash, oorrespondence or other items with yourpayment if you send sue payment to any other address or f you use an envelope other tan the one provided. Payments received in proper form at our processing facility by 5PM local time on any day wig be credited to yourAccouht as of tat day. Payments received at our processing took after 5PM local time will be aediiad to your Amount as of the next day. If you hiaue misplaced your envelope', ilerid your paymert to Discover. PO Box 6103, Card Stream, IL 601975103. Please allow 7-10 days for delivery. If you payment is. returned unpaid, we reserve the right to resubmit it as an electronic debit You can pay you minimum payment or a greater amouat over the telephone, and you can set rip automatic payments. Cal us at 1.800347.2683. You will need this statement and you bank amount infamaNam. You must ensure Ow sufficient funds are available in your bank account and all transactions must comply with U.S. law. You W be asked to provide the fist 5 digits of you account statement zip code. By entering those numbers as your electronic signakre, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize from your bards account, and to initiate debit or credit entries to you be* account, as applicable, to correct an error in the processing of such payment You must tell us this amount of each psyament or you can select an amain such as the Minimum Payment Due or the New Balance on each stalemem. You can cancel a payment however we must receive notice at least three business days it advance of the scheduled payment. You may notify us by phone at 1 AO6341-2683 or by mail at the address hied in the previous paragraph. if your payments may vary in amount we wig tell you on each mondty statement when your payment will be made and haw much it will be. You Automatic payment amount may be less than indicated on the monthly statement based on credits or payments applied during the biting cycle. Credit Reporting. We may report iNonnaticn about you account to credit bureaus. Lao payments, missed payments, or other defaults on your account may be reflected in you credit report We normally report the stabs and payment history of your Amount to craft reporting agencies each month. It you believe that our report is inaccurate or incomplete, please write us at the (allowing address Dusco er, PO Box 15316. Wilmi igtai, DE 1985Q5316. Rem include you name, address, home telephone number and Account number. PERIODIC FINANCE CHARGES- Periodic France Charges are imposed on all transactions from the date the transaction is posted to your Arornt until the date you pay your entire New Balance, by making payments or receiving credits. However, 9 you paid the New Balance an your previous biking statement by the Payment Due Date shown on that statement and , you pay the Now Balance by the Payment Due Date on your current biking defeated, we will not impose Periodic Finance Charges on now purchases, that is, purchases first appearing on the anent statement. We mall tus the grace period. Otherwise, you will receive a biking statement next month that includes Pedodo Finance Charges on those new purchases. There is no grace period on balance transfers or cash advances. We sort you transactions into groups of purchases, cash advances, and balance transfers and Then further sort the transactions within each group by their Annual Percentage Rate. For example, purchases subject to a promotional rate and purchases subject to a standard rate would be.sepamie groups. We refer to those groups as trasacton categories. At the end of each billing period, we compute balances and Periodic Fahace Charms for each day of the biking period for each transaction category. We use the following equation to compute Periodic Fnance Chagas for each transaction category. Average Daily Belance x number of days in the hiking period x Daily Periodic Rate. (You may refer to the finance charge summary an you bBehgstatement for these amounts.) Then we add up the Periodic France Charges for each transaction category to get the total Penio6c Finance Charges for you Amount. The Average Daly Balance is sham as zero it. because of the Wow period, no Periodic France Charges apply to the balance in a transaction category, We use the Average Daily Balance (including new transactions) meted of calculating it* balance upon which we impose Periodic Finance Charges- We compute the Average Daily Balance for each transaction category by adding up all the daily balances ins billing period or a transaction category and dividing the total by the amber of days in the biking cycle. We compute fire daily balance for each transaction category on each day by fist adding the following to the previous day's daily balance: transactions made that day, fees charged tut day and Periodic Finance Charges amnied on the previous days daily balance; and by then subtracting any credits and payments that are applied against the balance of the transaction category on that day. In calculating the daily balance or the first day of the biking period, we consider the °Pravious days balance to have been your balance for each transaction category on the had dayof you Previous biking period. K a transaction is posted to your Account after the dose of the biking period in which it occurs, we will treat the transaction as hav- ing occurred on the first day of the biking period in which t is posted to your Amount. All fees charged o.yoir Account are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to tlw applicable cash advance trensac5pn category and Balance Transfer Transaction Fee Finances Charges which ore added to the applicable balance transfer transaction category. When a special balance transfer rate expires; we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee finance Charges to the standard purchase transaction category However, i the special rate has been terminated under the Default Rate Plan, we leave the unpaid balanoR of the balance transfer and the Balance Transfer Trans- action Fee Finance Charges in the applicable transaction category until the special rate woWd have expired. For TO (Telecommunications Device for the Deaf) assistance, please call 1.800.347-7449. Discover may mcinkor endior record lelephone'calls between you and Discover representatives for quality assurance purposes, The Discover' card is issued by Discover Bank. Member FDIC. OITBK170 C DISCOVER Closing Date: KATHY KNAUB I Account number endinq in 8200 mbar LL, A&M page 2 of 2 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: January 27 Balance Previous Cashback Bonus Award Balance $ 15.50 Purchase Award This Period + 1.14 Cashback Bonus Award Total 16.64 Cashback Bonus Award Balance Award Available to Redeem r 16.64 $ 0.00 Restrictions apply to the Cashback Bonus Partner offers visit Discover.eom or call 1-800-DISCOVER (1-800-347-2683) for details. For program details, see the Cashback Bonus Program Terms and Conditions. DISCOVER New Balance Minimum Payment Due Account Number ending in 8200 $12,018.60 $237.00 Enter Amount Enclosed Below Payment Due Date $ February 26, 2009 please make check payable to Discover Card or pay online ® Discoverdhrd.com. 27 SDSN6ao1 0022182 KATHY KNAUB Tired of buying stamps? Go mobile! Make d h d l f h an sc e u e payments rom your p one 165 SALEM CHURCH RD with the Discover app. It's fast and it's free. MECHANICSBURG PA 17050-2835 Download now at discover.com/apps PD BOX 71084 111 111 11 1 [till It 1111 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. 000001986618140952214120186D00250000023700 Discover More Card Account Summary Closing Date: January 27, 2009 page 1 of 1 Account number ending in 8200 Previous Balance $12,546.94 Payment Due Date February 26, 2009 Payments And Credits 789.00 Minimum Payment Due $237.00 Purchases + 59.55 Credit Limit $12,600.00 Cash Advances + 0.00 Credit Available $581.00 Balance Transfers + 0.00 Cash Credit Limit $6,300.00 Finance Charges + 201.11 Cash Credit Available $581.00 New Balance = $12,018.66 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Coshback Bonus Balance $ 16.64 New Cashback Bonus This Period + 0.59 Cashback Bonus Balance $ 17.23 Cashback BonusO Since Anniversary M6611h January: $117.23 Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R). How Can We Help You? }? 1. Visit Discover.com to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy selhservice Please have your Discover Card available. options or to speak with a Customer Service Account Manager 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 Jan 9 Jan 9 PHONE PAYMENT - THANK YOU $ .250.00 Jan 11 Jan 11 LATE CHARGE REFUND -39.00 Jan 26 Jan 26 PHONE PAYMENT - THANK YOU .250.00 Jan 26 Jan 26 PAYMENT - THANK YOU -250.00 Merchandise/Retail Jan 12 Jan 12 QVC*351862648401 *4 OF 4 B00-367-9444 PA 17.28 Jan 12 Jan 12 QVC*351863280801 *4 OF 4 800.367.9444 PA 17.28 Jan 12 Jan 12 QVC*351851615301 *4 OF 5 800.367-9444 PA 24.99 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 $12468.53 0.05203% 18.99% F 18.99% $201.11 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above Save time. Pay your bill online. It's easy, convenient, secure and free. Just log in or register at the Account Center on D scover.com and your payment will be posted the same business day - up to 5 pm Eastern time. Important Information. If there is more than one page to this iclshg statement, see the back of each page for additional important information. rn 0 See your Cardmember Agreement Your CardmernberAgreement contains all tee terms of your Ac count. Z z lost or stolen cards. Report ininedstelyl Call 1-800-347-2683. Do Billing Bights Summary, in Case of Errors or Questions Abed Your Bill: If you fttetk your bill is wrong, or 0 you need more information about a transaction on,W tall, write to us on a o separate sheet of paper at Discover, PQ Box 30121, Salt lake City 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 ro which the error or problem appeared. You can telephone us, but doing so will not preserve you rights . In your letter, give us the following information: m • Your name and Account number. N • The dollar gaunt of the suspeded error • Describe the error and explain, if you can, why you believe there is an error. If you treed more information, describe the item you are unsure about- V You do rat have to pay any amount in question white we are investiga6rg, but you are still obligated to pay the pans of your bxlt that are not in question. While we investigate your question, we carsat report you as deirquent or take any action to tolled the amount you question. Special Rule for CnhCdit Cud Purchases; It you have a problem with the quality of goods or services that you purchased with a credit card, and you have hied in good faith to correct the problem YAth the merchant, you may not have to pay the remaining amount due on the goods or services. You have this protection only when the purchase price was more then $50 and the purchase was made in your home stew or within 100 miss of your mailing address. (11 we ohm or operate the merchant, or d we maited you the advertisement for the goods or services, ay purchases are covered regardless of the mount or kocatimr of Purchase.) Payments. Send only your payment and the by potion of this statement in the Bnn4e provided. Do not send rash. By sending your deck as described above, you authorize us to use idomhabon on your check to make an electronic knd transfer from your account at the fnancal insgknllon indicated on your d" or to process the payment as a dheck transaction, if payment is processed as an electronic turd transfer, the transfer will be for the amount on the checIL When we use information from your check to stake an electronic fund trarsfer, 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 him your financial institution. The processing of you peymend may be delayed it you send cash, correspondence of other items with your payment g you send the payment to any other address or if you use an envelope other then the one provided. Payments received in proper form at our processing b iy by 5PM kcal rime on any day will be credited toyour Account as of that day. Payments received at o rprocessiip lack after 5PM loco lime will be cied'ied to yorAoeoun( as of the next day. If you have misplaced your envelope, send your payment to Discover; PO Box 6103, Carol Strom, IL 60197-6103. Please avow 7-10days for delivery. 0your payment is inflamed unpaid, we reserve the right to resubmit t as an electronic debit. You can pay your minimum parried or a greater amount over the telephone, and you can set up automatic payments. Call us at 1-800-347-2683. You will treed this statement and your hank account information. You mug ensure that sufficient fords are available in your bank aoco nt, and all transactions must comply with U.S. law. You will be asked to provide the first 5 digits of your account statement zip code. By entering these numbers as your electron sgnakre, you A be agreeing to this authorization to slow us and your bank to deduct each payment you authorize from you beak account and to ndiale debt or credit entries to you bands account, as applicable, o correct an error in the processing of such payment You must tell ors the amount of each payment er you can select an amoutsuch as the Minimum Payment Due or the New Balance on each statement You can cancel a payment, however we i must receive notce at least three business days in advance of the sdmedced payment. You may notify us by phone at 1$00347-2683 or by mail at the address listed in the previous paragraph. If your payments may vary in amount, we will tell you on each monody statement when your payment will be made and how much it will be. Your Automatic payment amount may be less then indicated an live monody statement based on credits or payments applied during IN billing cycle. Credit Reporting. We may repot information about your account to credit bureaus. Late payments, missed payments, o (other defaults on your account may be reflected in your Credit report We normally report tine stahn andpayment history of yoiaAccoinM so cede reporting agericies each month. If you believe that our report is inaccurvte or incomplete, please write us at the following address: Discover, PO Box 15316, Wdtnegtor. DE 198545314: Please include your name, address, horse telephone number and Account number, PERIODIC FINANCE CHARGES. Periodic Farm Charges are imposed on all transactions from the date the transaction's posted to your Account until this date you pay your enure New Balance, by making payments or receiving creft- However, if you paid the New Balance on you previous biting statement by the Payment Due Date stain on that statement, and you pay the New Balance by the Payment Due Date on your cwreat fang statement, we will not impose Periodic Finance Charges on new purchases, that is, purchases feu appearing on the curter statement. We call to the grace period. Qtmeri iee, you will receive a billing statement next month that includes Periodic Finance Charges on those new purchases. There is no gem period on balance tranders or cash advances. We sort your transee9ons into groups of pumheses, cash advances, and balance transfers and then further sort the transactions within each gaup by their Annual Percentage Rate. For example purchases su*d to a prarrogonel rate and purchases subject to a standard rate would be separate groups, We refer to these groups as trarsacton categories. At the end of each bang period, we compute balances and Periodic Finance Charges for each day of the biting period for each transaction category we use the following equation to compute Periodic Finance Charges for each transaction category: Average Daily Balance x mkmberof days in the hitting period x Day Periodic Rate. (Yore may refer to the finance charge slrmmary on your billing statement for gum amounts.) Then we add up tae Periodic France Charges for each transaction category to get the total Periodic Finance Charges for your Account The Average Defy Baler= is shown as zero if, because of the grace period, no Periodic Finance Charges apply to the balance in a transaction category. We use the Average Deily Balerne [ru4uding.new transactions) method of eakxdaing.the balance upon which we imposo Periodic Finance Charges. We_comWte the Average Daly Balance for each transaction category by adding up al the daily batarhces in a billing period for a transaction category and dividing the total by the number of days in the billing cycle. We compute the daily balance for each transeclim category on each day by fret addig the following to the preview day's daily balance: transactions made that day, fees charged that day and Periodic rihanee Charges aco nxed on the previous days daily balance; and by then subtracting any credits and payments that are applied against the balance of the transaction category on that day. In calcudafi g the daily balance for the first day of the b&g period, we consider the "previous days balance to have been your balance W each transaction category on the lest day of you previoustilfsrg period. Ka transaction is posted to your Account after the dose ofthe billing period in which it occurs, we will treat the transaction as hav- ing occurred on the first day of the billing period in which it is posted to your Account. AN fees charged lo',yourAccount are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to dme applicable cash advance transaction category and Balance Transfer Transaction Fee Finances Charges which are added to the applicable balance transfer transaction category. Wherh a special balance transfer rate expires, we move the.urpaid balance of the balance transfer and the Balance Transfer Transaction Fee finance Charges to the standard purchase transaction category. However, A the special rate has been terminated under tae Default Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Tram- action Fee Finance Charges in the applicable transaction category until the special rate would have expired. For TDO (Telecommunications Device for the DeaQ assistance, please call 1-804317-74ig. Discover may monitor andfor record telephone cats between you and Discover representatives for quality assurance purposes. The Discover" card is issued by Discover Bank, Member FDIC. OITBK170 New Balance Minimum Payment Du Account Number ending in 8200 DISCOVER $11,988.91 $236.00 'nter Amount Enclosed Below Payment Due Date March 26, 2009 Please make check payable to Discover Card or pay online G Discovercard.com. 27 SDSN6A01 0022183 KATHY KNAUB 165 SALEM CHURCH RD MECHANICSBURG PA 17050-2835 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 its free. Download now at discoverccom/apps PO BOX 71084 11111111111111111111 1111111 CHARLOTTE NC 28272-1084 1,111111A1111111111111111rtgill III III oil 611111111 111 1,It111 000001986618140952214119889100000000023600 Discover More Card Account Summary Closing Date: February 27, 2009 page 1 of 2 Account number ending in 8200 Previous Balance $12,018.60 Payment Due Date March 26, 2009 Payments And Credits - 250.00 Minimum Payment Due $236.00 Purchases + 24.99 Credit Limit $12,600.00 Cash Advances + 0.00 Credit Available $611.00 Balance Transfers + 0.00 Cash Credit Limit $6,300.00 Finance Charges + 195.32 Cash Credit Available $611.00 New Balance = $11,988.91 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Coshbock Bonuse Opening Cashback Bonus Balance $ 17.23 New Cashback Bonus This Period + 0.06 Cashback Bonus Balance $ 17.29 Cdshback BonusO Anniversary Month: January How Can We Help You? p 1. Visit Discover.com to pay your 6$1 for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Cali 1.800-DISCOVER (347.2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance For hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Feb 26 Feb 26 PHONE PAYMENT -THANK YOU $ -250.00 Merchandise/Retail Feb 12 Feb 12 QVC*351851615301 *5 OF 5 800-367.9444 PA 24.99 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 $12109.68 0.05203% 18.99% F 18.99% $195.32 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. t Income Gap Protection gives you cash when you need it most - when your income is interrupted by involuntary unem lo ment disabilit or famil leav f b L h I G P t i h l C ll d y , p y y e o a sence. earn ow ncome ap ro ect on can e p you. a us to ay at 1-800-240.1009. Important Intormation. If there is more than one page to this billing statement, see the balk of each a for additrxaht in U) rag patent information. See your Cardmember Agreement Your CardmeniberAgreement contains all the terms of your Account, z Lost or stolen cards. Report invmliatelyl- Cal 1.800.347.2683. o Billing Rights Summary. In Case of Errors or Questions About Your Bat: If you think you bill is wrong, or if you need more information about a transaction on your bill, write to us on a o separate sheet of paper at Discover, PO Box 31)421, Salt Lake City, 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 n°3 which the ardor or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: i You name and Account number. W The dollar amount of the suspected error • Describe the error and explain, t you can, why you behave 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 question while we are investigating, Ind you are std obligated to pay the parts of your bill Brat are not in question. While we investigate your question. we cannot report you as dekrrquent or take any action to called 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 tried in good faith to correct dw problem with the merchant, you may nil have to pay the remaining amount due on the goods or services. You have this protection only when the purchase fvica was more than $50 and the purchase was made in your hwce state or within 100 miles of your mailing address: (d we own or operate the merchant, or t we mailed you the advertisement for the goods or services, 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 your check as described above, you authorize us to use adormadon on your check to make an electronic knd transfer from you account at the flan dial institution indicated on your check or to process the payment as a check transaction. 0 payment is processed as an electronic fund transfer, the transfer will be for the amount on the check. When we use information from your check to make an electronic fund transfer, fads may be withdrawin tram your account as soon as the same day we receive you payment, and you will not receive you dwA back nom your financial institution. The processing of you payment may be delayed if you send cash, correspondence or other items with you payment, if you send the payment to any otter address or it you use an envelope other than the one provided. Payments received in proper form at our processing fack by 5PM local time on any day wit be credited to your Account as of that day. Payments. received at our processing faduly after SPM Iocd.Gme wif 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 slow 7-10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an elecbanicdebil- You can pay your minimum payment or a.geater mound over the telephone, and you can set up automatk; payments. Call us at 1500347-2683. You wit need this statement and your bank account information. You must ensure that sufffdent fads are available in you bank accouK and all fransactiors must comply with U.S. law. You vA be asked to provide the first 5 d-gits of you account statement zip code. By entering those numbers as your electronic signature, you will be agreeing to this autar4atim to aloes us and your bank to deduct each payment you autarize from you bank account, and to initiate debit or credit entries to you bank account, as applicable; to correct an error in the processing of such c payment You must's tell us the amount of each payment, or you can select an amount such ask Mhinum Payment Due orthe.New Balance on each statemenE.Ya can cancel a paymdatt, however we , must receive notice at least bee business days n advance of the scheduled payment You may no* us by phone at I M347-2683 or by mat at the address listed in the previous paragraph. If your payments may very in amount, we wig Id you on each momMy statement when your payrnert wig be made and how much t will be. Your Automatic payment amount may be less than indicated on the montiy statement based on credits or payments applied during the billing cycle. Credit Repordng. We may report information about your account to oredif bureaus. Late payments, missed payrsrts, or other defaults on you account may be retected in your credit report We normally report the status and payment history of your Account "edit reporting agencies each month, It you believe that our repot is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington. DE 1985D5316. Please include your name, address, tame telephone number and Account number. PERIODIC Ft1ANCE CHARGES. Periodic Finance Chagas are imposed on at tratsactions from the date the rasacdau is posted to yourAcceunt until the date you pay your entire New Balance, by rrakng payments or receiving credits. However, if you paid the New Balance on you previous biting statement by the Payrnent Due Date shaven on that statement, and you pay the New Balance by the Payment Due Date on you current Ming statement, wevvgl not impose Periodic Finance Charges on new purchases, that is, purchases krst appearing on the current statement. We rag this The grace period. Otherwise, you will receive a dllir statement next month that includes Periodic Finance Charges on those new purchases. There is no grace period on balance transfers or cash advances. We sat your transactions into gaps of purchases, cash advances, and balance transfers and than What sort the transactions within each group bytheirAnnual Percentage Rate. For example, purchases subject to a promotional rate and purchases subject to a standard rate would be separate gaps. We refer to these groups as transaction categories. At the end of each loft period. we compute balances and Periodic Finance Charges for each day of the billing period for each transaction category. We use the following equation to compute Periodio Finance (grapes for each transaction calegcry Average Daly Balance x mrnberof days in the h*g period x Daily Periodic Rate. (You may refer to the finance charge summary on your biting statement for these amounts) Then we add up the Periodic Finance Charges for each transaction category to get the olal Periodic Finance Changes for your Account. The Average Doty Balance is shown as zero t, because of the grace period, no Periodic Finance Charges apply to the balance in a transaction calegory. WP rise the .4verage.Daily, Balance (including new transactions) method of calculating the balance upon whdoh we impose Periodic Finance Charges We compute the Average Daily Balance for each transaction category by adding up all the daily balances in a billing period for a trasacbm category and dividing the trial by the norther of days in the biding cycle. We oompute the daily balance for each transaction category on each day by first adding the following to the previous day's daily balance: transactions made that day, fees charged that day and Periodic Finance Charges accrued on the previous days daily balance: and by than subtracting any credits and payments that are applied against the balance of the transaction category on that day. In calculating tea daily balance for the first day of the biking period, we consider the -previous day's balance to have been your balance for each transaction category on the last day of your previous biting period. If a transaction is posted to your Account after the close of the billing period in which it occurs. we will treat the transaction as hav- ing occurred on the first day of the biting period in which it is posted to yourAocount Al fees charged to your Am count are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance trar eactiwn category and Balance Transfer Transaction Fee Finances Charges which are added to the applicable balace transfer transaction category. When a special balance transfer rate expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category. However, it the special rate has been terminated under the Default Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Trans- action Fee Finance Charges in the applicable transaction category until the special rate would have expired. For TDO (Telecommunications Device for the Deaf) assistance, please call 14100.347.7449. Discover may monitor andlor record telephone calls between you and Discover representatives for quality assurance purposes. The Discover card is issued,by Discover Bank, Member FDIC. OITBK170 DISCOVER Closing Date: KATHY KNAUB Ife6[uar?r 27 Account number ending in 8200 page 2 of 2 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: January 27 Balance Previous Cashback Bonus Award Balance $ 17.23 Purchase Award This Period + 0.06 Cashback Bonus Award Total 17.29 Cashback Bonus Award Balance 17.29 Award Available to Redeem $ 0.00 Restrictions apply to thg CC Bonus Partner offers visit Discover.com or call 1-800-DISCOVER 0-800.347-2683) for details. For program etai s, see the Cashback Bonus program Terms and Conditions. New Balance Minimum Payment Du DISCOVER. $11,914.54 $235.00 Payment Due Date April 26, 2009 27 SDSN6A01 0022184 KATHY KNAUB 165 SALEM CHURCH RD MECHANICSBURG PA 17050-2835 Account Number ending in 8200 Enter Amount Enclosed Below $ 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. It's fast and it's free. Download now at discover.com/apps PO BOX 71084 1,1rrr11unr1r11rrr)If I CHARLOTTE NC 28272-1084 Address, e-mail ortelephone change?Print change inspace ?ir?i)?ci)iir?i)?cii)ii(i)iri))))iri?rr(ir)ri))rr)rr?ri)r?ir?? above, or go to Discover.com. Print your a-mail address to receive important Account information and special offers. 00000],986618140552214119145400000000023500 Discover More Card Account Summary Closing Date: March 27, 2009 Pagel of 2 Account number ending in 8200 Previous Balance $11,988.91 Payment Due Date April 26, 2009 Payments And Credits - 250.00 Minimum Payment Due $235.00 Purchases + 0.00 Credit Limit $12,600.00 Cash Advances + 0.00 Credit Available $685.00 Balance Transfers + 0.00 Cash Credit Limit $6,300.00 finance Charges + 175.63 Cash Credit Available $685.00 New Balance - $11,914.54 You may be able to avoid Periodic Finance Charges, see the reverse side For details. r Cashback Bonuse Opening Cashback Bonus Balance $ 17.29 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 17.29 Cashback BonusO Anniversary Month: January How Can We Help You? P 1 Visit Discovercom to pay your bNl for no cost view our latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.800-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 Mar 26 Mar 26 PHONE PAYMENT - THANK YOU $ -250.00 i Information For You **ATTENTION** The day of the month that your payment i s 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. I Your Payment Due Date will continue to be at least 25 days from the Closing Date shown an the billing statement. e 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: 28 days Purchases $12055.63 0.05203% 18.99% F 18.99% $175.63 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. r Save time. Pay your bill online. R's easy, convenient, secure and free. Just log in or register at the Account Center on Discover.com and your payment will be posted the same business day- up to 5 pm Eastern time. Important Information. t there is more than one page to this billing statement, see the back of each page for additional important information, coo See your Cardmember Agreement Your CardnemberAgreenent contains at the leans of your Account z Lost or stolen cards. Report immediately! Call 1$00-347-2661 9 Biting Rights Summary. In Case of Errors of Questions About Your Bill: 9 you tank your bill is wrong, or if you need more Womwtim about a transaction on your bill, write to us on a o 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 later than 60 days after we sent you the first bill on 0 v which the errors problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: Your name and Account number. a • The dollar amount of the suspected error • Describe the error and explain, ( 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 n grestk>n wide we are kkvestigating, but you are still 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 m0ect the amount you question. Special Rule for Credit Card Purchases: If you have a problem with the quality otgoods or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on to goods or services, You have this protection orgy when the purchase price was more than $50 and the purchase was made in your home stale or within 100 miles of your mailing address. IN we own or operate the merchant or if we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.( Payments- Send any 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 authome us to use information on your check to matte an electronic turd transfer from your account at the financial insOWti indicated on your check or to process the payment as a check transaction. R payment is processed as an electronic fund transfer, the transfer will be far the amount on the check. When we use information hum your check to make an ek•ctmic find transfer, funds may be withdrawn from your account as anon as the same day we receive your payment and you x0 not receive your check back from your lima ciat Institution. The processing of your payment may be delayed 6 you surd cash, comeapcrd®raeor other items with your payment, it you send the payment to any other address or 9 you use an envelope other than the one provided. Payments received in proper form at or processing facility by 5PM local time on any day will be credited to yew Account as of that day. Payments keoeived at our processing facility after 5PMlocal time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover. PO Boi 6103, Card Stream, IL 60197-6103. Please allow 7-10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit You can pay your minimum payment ora greater amount ever the telephone, and you can set cup automatic payments. Cal us at 1-600.347.2683. You will need this statement and you bank account information. You must ensue that sufficient funds are available in your bank account, and all transactions must omVly with U.S. law. You will be asked to provide the first 5 digits of your account statement zip code. By entering those numbers as your ehdm* signature, you will be agreeing to this authorization to allow ss and your bank to deduct each payment you akmhodze from your bank eccauht and to inita r debit or credit entries o your bank account, as applicable, barred an emor in the processing of such payment You must let us the amount of each payment, or you can select an emomt such as the "mum Payment Due or the New Balance on each statement You can cancel a payment however we mat receive notice at least three business days in advance of the scheduled payment You may notify us by phone at 1-800341-2683 or by mat at the address listed in the previous paragraph. If your payments may vary in amount we will tell you en each monthty statement when you payment will be made and haw much it will be- YourAutomatic payment amount may be less than indicated on the monthly statement based an credits or payments applied during the billing cycle. Credit Reporting. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit repot We normally repot the status and payment history of your Arrant to credit reporting agencies each mcrhth, t you believe that our report is inaccumte or incomplete, please write us at the fo0o** address: Discover, PO Box 15316, Wilmington. DE 198505316. Please include your name, address, tame telephone number and Account number. PERIODIC FINANCE CHARGES. Periodic Fmmce Charges are imposed on at transactions from the date ft transaction is posted to your Account until the date you pay your entire New Balance, by making payments or receiving credits. However, d you paid the New Balance on your preview billing statement by the Payment Due Date shown on that statement and you pay the New Balance by the Payment Due Date on your current billing statement we will not impose Periodic Finance Charges on new purchases, that is, purchases frost appearing on the current statement We cat tlis the grace period. Otherwise, you will receive a billing statement next month that Includes Periodic Finance Charges on those new purcases. There is no grace period on balance traders or cash advances. We sort your transactions into groups of purchases, cash advances, and balance transfers and then further sat the transactions within each group by their Annual Percentage Rae. For example, purchases sd*d to a promotional (Me and purchases subject to a standard rate would be separale groups. We refer to these groups as transaction categories. At the end of each billing period, we compute balances and Periodic Finance Charges for each day of the billing period for each transaction category. We use the fokwkV equation to compute Periodic Finance Charges for each transaction categoy Average Daily Balsam xnumber of days in the billing period x Daiy Periodic Rate. (You may refer to the finance charge summary on your billing statement or these amounts.) Then we add up the Periodic Finance Charges for each transaction category to get the total Period's Finance Charges for your Account. The Average Daily Balance is shown as zero if,, bemuse of the grace period, rho Periodic Finance Charges apply to the balance in a bansa tioncategory. We use"Average Daily Balance (includng new transactions) method of calculating the batence.upon which we irrpme Penock.Finance Charges. We compute the Average Daily Balance for each transaction category by adding up at the daily balances in a billing period for a transaction category and dividing the afar by the number of days in the billing cycle. We . compute the daily balance for each transaction category on each day by first adding the fotowirg to the previous day's daily balance: transactions made that day, fees charged that day and Periodic Finance Charges accrued on the previous days day balance: and by then subtracling any credits and payments that are applied against the balance of the transaction category on that day. In calculating the dally balance far the first day of the billing period, we consider the 'previous; days balance' to have been your balance for each transaction category on the last day of your previous billing period. If a transaction is posted to your Account after the dose of the billing period in which it courts, we oil treat the transaction as hav- ing occurred on the first day of the billing period in which it is pasted to yon Account. All fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are.added to the applicable cash advance transaction category and Balance Transfer Transaction Fee Finances Charges which ate added to the applicable balance transfer transaction category. When a special balance Warder rata expires, vie move the unpaid balance of the balance transfer and the Balance Transfer Trarsaclim Fee Finance Charges to the standard purchase treraacton category However, if the special rate has been terminated under the Default Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Trens- action Fite Finance Charges in the applicable transaction category until the special rote would have expired. For TDD (Telecommunicat!ons Device for the Deaf) assistance, please call 1400.347.7449. Discover may monitor andfor record telephone calls between you and Discover representatives for quality assurance purposes. The Discover" card is issued by Discover Bank, Member FDIC. O1TBK170 Closing Date: KA HY KNAUB DISCOVER Account number ending in 6200 pcge, 2 of 2 Cashback Bonus Award Summary Cashback Bonus Anniversary Date: January 27 Balance Previous Cashback Bonus Award Balance $ 17.29 Purchase Award This Period + 0.00 Cashback Bonus Award Total 17.29 Cashback Bonus Award Balance 17.29 Award Available to Redeem $ 0.00 Restrictions apply to the Cashback Bonus Partner offers visit Discovercom or call 1-800-DISCOVER (1-800-327.2683) for details. For program details, see the Cashback Bonus Program Terms and Conditions. New Balance ;$24 nimum Payment Du Account Number ending in 8200 DISCOVER, $12,238.17 1.00 Enter Amount Enclosed Below Payment Due Date May 26, 2009 Please make check payable to Discover Card or pay online @ Discovercard.com. 27 SDSN6A01 0022185 KATHY KNAUB Tired of buying stamps? Go mobile! Make and schedule payments from your phone 165 SALEM CHURCH RD with the Discover app. It's fast and it's free. E MECHANICSBURG PA 17050-2835 Download now atdiscover.com/apps PO BOX 71084 111 111111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space 111iill above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986618140952214122381700000000024100 Discover More Card Account Summary Closing Date: April 27, 2009 page 1 of 2 Account number ending in 8200 Previous Balance $11,914.54 Payment Due Date May 26, 2009 Payments And Credits 250.00 Minimum Payment Due $241.00 Purchases + 375.17 Credit limit $12,600.00 Cash Advances + 0.00 Credit Available $361.00 Balance Transfers + 0.00 Cash Credit Limit $6,300.00 Finance Charges + _ 198.46 Cash Credit Available $361.00 New Balance i $12,238.17 You may be able to avoid Periodic Finance Charges, see the reverse side for details Cashback Bonuse Opening Cashback Bonus Balance $ 17.29 New Cashback Bonus This Period + 0.93 Cashback Bonus Balance $ 18.22 Cashback BonusO Anniversary Month: January Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R). How Can We Help You? 1. Visit Discover.com to pay your bill for no cost, view your p latest Account information, earn and redeem rewards and more 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 Soft Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Apr 25 Apr 25 PHONE PAYMENT - THANK YOU $ -250.00 Merchandise/Retail Apr 17 Apr 17 PHILOSOPHY DIRECT HOWELL MI 37.90 Automotive Mar 31 Mar 31 PEPBOYS STORE # 21 MECHANICSBURGPA 53.77 Services Mar 31 Mar 31 VERIZON 800.345-6563 TX - 280.00- Mar 31 Mar 31 BILLMATRIX UTILITY FEE 800.967.9649 TX 3.50 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. Save time. Pay your bill online. It's easy, convenient, secure and free. Just log in or register at the Account Center on Discover.com and your payment will be posted the same business day - up to 5 pm Eastern time. Important Information. It there is more then one page to hs billing statement, seethe back of each page for additional important inkormation_ p See Vow Cardmember Agreement Your Cadmembar Agreement contains 29 fits tens of your Account. CO Lost or stolen cards. Report immediately! Call 9$00-347-2&63. Billing Rights Summary. In Case of Errors or Questions About Your Bill: If you Clink your fig is wrong, 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, Sall Lake City, UT 114130-0421, as soon as possible. We must hear from you no later than 60 days attar we sent you the first boll on N which the error or problem appeared. You can telephone us, but doing so will not preserve your ruts- In your letter, give us the following information: OD Your name and Account number. The dollar amount of the suspected error Describe the error and explain, if you cord, why yout lieve there is an error. If you need more information, describe the item you are unsure about. r 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 trrmstigate your question, we cannot report you as delinquent or take any action to called the amount you quesion. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purchased wish a credit card, and you have tried in good faith to coned 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 he purchase price was more than $50 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 'f we mailed you the advertisement for the goods or services, 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 your dock as described above, you aufarae us to use Information on your check to make an electronic fund transfer from you account at the financial institution indicated on your check or to proem the payment as a dheck transaction. It payment is processed as an eledaonic fused transfer, the transfer wit be for the amount on the deck. When we use information from your de* to make an eledtrouickrd transfer. funds may be withdrawn from your account as soar as tie same.day we receive your payment and you will not receive your check back from your linaricial insthtion. The processing of your payment may be delayed "f you send cash, orrespondence or other items with your payment, f you send die payment to any other address or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5Pkf loss time on any dayall be credited to your Account as of that day. Payments receiAY2 at our processing facility after 5PM local time will be credited to your Account as old* dart day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, L 60187.810.3. pWw allow 7-10 days for delivery. If your payment is returned unpaid. we reserve he right to resubmit it as an electronic debit. You can pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments. Call us at 1.8110,347-2683. You will reed this statement end your bank account information. You must ensure that sufficient tunds are available in your bards account. and all transactions putt comply with U.S. low. You,41 be asked to provide the fret 5 digits of your account stoorennt zip code. By entering those numbers as your electronic signature, you will be agreeing to this authaizatiahtoslow us and yourbank to deduct each payment you authorize from your bank seeoum, and to radiate teat or cretrt entries to your bank account. as applicable, So oorrect an error in the processing of such payment You must' tell us the amount of each payment or you can select an amount such as he htiniza m Payment Due or the New Balance on each statement. You can caroW a payment however we must receive notion at least free business days in advance of the scheduled payment. You may notify us by phone at 1-000347-2683 or by mad at he address listed in he previars paragraph It your payments may vary in arohra. we will tell you on each monthly statement when your payment wit be made and how much it wing be. Your Automatic payment amount may be less than indicated on he monthly statement based on credos or payments applied during to billing cycle. Credit Reporting We may report information about your account to credit bureaus. Late payvheds, missed payments, or other defaults on your account may be reflected in your credit report We nominally, report the status and payment history of your Account to credit reputing agencies each month. If you believe that our report is inaccurate or incomplete, please write us at the k1lowing actress; Discover, PO Box 15316, Wdmi glon, DE 1985M3 IS. Please include you name, address; home tekep bone, number and Account number. PERIODIC FINANCE CBIARGM. PenodicFnmece Charges ore imposed on all transactions from the date the transaction is posted to your Account urhi tike data you paylorentte New Balance, by making payments or deceiving credits. However, ityou paid the New Balance on your previous Him statement by the Payment Due Date show on that statement, and you pay the New Balance by the Psymera Due Date on your current billing statement, we will not impose Periodic Fineru Charges on new purchases, that is, purchases first appearing on On current statement. We call this the grace period. Otherwise, you will receive a billing statement next month hat includes Periodic Finance Charges on fuse nowpurchases. There is no grace period on balance transfers or cosh advances. . We sat your transaction into groups of purchases, cash advances, and balance transfers and then further sort the uansadions within each group by their Annual Peowntage Rate. For chases subject toa promotiorha rate and purdresos subject to a starMaN rate would be separate groups. We referlo these gm ps as transaction categories. Fit the end of example, pur each lsYrhg period. we canprae haarnces and Pehodo finance Chagas for earn day d the being period for each transaction category. We use the toHowtrhg equafon to mmgns Periodic nance Chagas kr each ba section rabgay. Average Deily 8alahce x nits Sur of days n the biNug period x Defy Periodic Rae. (You rosy refer to tie fnence dnage Fi strnmary on your log ng statement (or horse amosns.) Then we add up fha Period c France Chagas for each transactia category to get the tots Periods Finance Charges {a your Account. The Average ()lily Balance s shown es zero C, because M the grace portico, no Per trot F nonce r ha9es apply to the balarxe in a transaction category. We use r heAverage Daly Balance (including new trarhsedions) method of calculating febalance upon which we impose Periodic Finance Charges. We. compute the Average Daily Batenoe tar each transaction category by adding up all he daily balances in a billing period for a transaction category and dividing the total, by the number of days in the billing cycle. We compute the daily balance for each transaction category on each day by fist adding the following to the previous day's defy belarim transactions made that day, fees charged that day and Periodic Finance (charges accrued on the previous days daily balance; and by than subtracting any credits and payments that are applied against he balance of the transaction category on that day. In calculating the daty balance for the firs! day of the billing period, we consider the 'previous day's balance' b have been your balance for each transaction category on he last day of your previous bi8irg period. If a transaction is posed to your Aownmt after the dose of the billing period in which t occurs, we well treat the transaction as hav- ing ocaned on the fast day of he biting period in which t is posted to your Account. All fees charged to your Account are added to the standard purchase transaction category wilh the exception of Cash Advance Transaction Fee Finance Charges which are added to he applicable cash advance transaction category and Balance Transfer Transaction Fee Finances Charges which are added to One applicable balance transfer transaction category. When a special balance transfer rate expires, we move the unpaid balance of the balance transfer and he Balance Transfer Transaction Fee Finance Charges to he standard purchase transadion category. However! if the spacial rate has been lemiireled under the Default Rate Plan, we leave the unpaid balance of the balance transfer and the Balance Transfer Trans . action Fee Finance Charges in the applicable transaction category until the special rate would have exited. For TDD (Telecommunications Device for the Deaf) assistance, please call 1300.347.7449. Discover may monitor andlor record telephone calls between you and Discover representatives for quality assurance purposes. the Dscovee, card is ssued by Discover Bank, Member FDIC. OlTBK170 DISCOVER It pays ER' KATHY KNAUB Account number ending in 8200 Go green. Go paperless. Join the effort to save frees and clean up your mailbox. Just sign up for f aperless Statements and you can help save over 70 million pages per year. You'll also be helping yourself to 24 months of password-protected, statement history, complete with merchant names, locations and zip codes. Go to Discover.com/poperless and sign up for Paperless Statements today. m2010 Discover Bank, Member FDIC Closing Date: April 27, 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 _ CHARGES current billing period: 31 days Purchases $1230405 0.05203% 18.99% F 18.99% $198.46 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. o*4 a PPSCaiv.0810 Quesfions? Manage your account at Discover.com or call 1-800-DISCOVER (1-800-347-2683). New Balance Minimum Payment Due Account Number ending in 8200 DISCOVER $12,247.99 F$$22422.00 Ester Amount Enclosed Below Payment Due Date _ June 22, 2009 Please make check payable io Discover Card or pay online @ Discovercard.com. 27 SQSN6AOt 0022t86 Tired of buying stamps? Go mobile! Make KATHY KNAUB and schedule payments from your phone 165 SALEM CHURCH RD with the Discover app. It's fast and it's free. MECHANICSBURG PA 17050-2835 Download now atdlscover.com/apps Address, e-mail or telephone change? Print change in space above, or go to Discover.com. Print youre-mail address to receive important Account information and special offers. PO BOX 71084 111111111111111111111111111 CHARLOTTE NC 28[272-1084 III I I I I I I I I I I I I I I I I I I I I I I I I I I I I I 1111111111 I I I I I I I I I I I I I II I I I I I 000001986618140952214122479900250000024200 Discover More Card Account Summary Closing Date: May 27, 2009 page 1 of 1 Account number ending in 8200 Previous Balance $12,238.17 Payment Due Date June 22, 2009 Payments And Credits - 250.00 Minimum Payment Due $242.00 Purchases + 67.38 Credit Limit $12,600.00 Cash Advances + 0.00 Credit Available $352.00 Balance Transfers + 0.00 Cash Credit limit $6,300.00 Finance Charges + 192.44 Cash Credit Available $352.00 New Balance = $12,247.99 You may be able to avoid Periodic Finance Charges, see the reverse side for details Coshbock Bonus' Opening Cashback Bonus Balance $ 18.22 New Cashback Bonus This Period + 0.16 Cashba& Bonus Balance $ 18.38 Cashback Bonus® Anniversary Month: January Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashbock BonusIR). How Can We Help You? 1 • Visit Discovercom to pay your bill for no cost, view our latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347.2683) for fast, easyselkservice er t Mana i A C t S k h g ce ccoun us omer erv wit a options or to spea 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, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits May 26 May 26 PAYMENT -THANK YOU $ -250.00 Merchandise/Retail May 21 May 21 PHILOSOPHY DIRECT HOWELL Ml 29.90 Supermarkets May 22 May 22 WEIS MARKETS #58 MECHANICSBUR PA 37.48 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: 30 days Purchases $12328.76 0.05203% 18.99% F 18.99% $192,44 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $0 Tha rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Important information. If there is more than one page to this billing statement, see the back of each page for additional important informatim cn See your Cardmember Agreement Your CmdrtremberAgreement contains all the terms of your Account. Z Lou or stolen cards. Report immediately! Cal 1.800347.2563. C Bitting Rights Summary. In Case of Eras or Questions About Your Bill: If you think your bill is wrong, or it you need more information about a transaction on your bill, write to us on a ? o separate sheet of paper at Discover, PO Box 30421, Sall Lake City, UT 84130-0421, as soon as possible. We must hear from you no later than 60 days after we sent you the first bil on N which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: N • Your name and Account number. M The dollar amount of the suspected error. Describe the error and explain, if you can, why you believe there is an ems. If you need more infamat!on, describe the item 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 your question, we cannot report you as delinquent or take any action to coiled the amount you question Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services OW you purchased with a credit card, and you have tried in good faith to =act the problem with the merchant, you may not have to pay the remairdng amount due on the goods or services. You have Ihis protection only when the purchase price was more than $50 and the purchase was made in your home state orwi8ln 100 miles of your mailing address. (awe own or operate the merchant or k we mated you the advertisement for the goods or services, all purchases are coverdd regardless of the amount or location of purchase.) Payments. Send orgy your payment and the lop portion of Iles statement in the envelope provided. Do not send castx By sending your check asdescribed above, you authente us to use information on your dhedklo make an electronic fund transfer from your socount at the financial institution indicated on your check or to process the payment as a check transaction.: N payment is processed as an eladmahic kind transfer, the transfer will be for the amount of the check. When we use information from your check to make an electronic fund tarhsfer, finds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The process" of your payment may be delayed k you send cash, correspondence or other kerns with your payment, it you send the payment to any other address or 9 you use an envelope other than the one provided Payments received in proper tom atom processing fadity by SPM local time on any day will be credited to your Account as of Met day. Payments' received at our processing facility after SPM 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, It. 601976103. Please slat 7-10 days for delivery. If your payment is resumed unpaid, we reserve the right to resubmit it as aft eleckordc debit You can pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments. Cal us at 1800.347-26'8.7. You will need this statement and your bards account information. You mat ensure that stdlciert funds are available in you bank account, and all transactions mat comply with U.S. law. Yea will be asked to promwide the first i 5 d gits of your account statement ZIP code. By entering those numbers as your electronic signature, you rill be agreeing to this authorization to allow us and your bank to deduct each payment you authorize from your bank awoun i and to ihdate debt or crest entries to your bank account as applicable, to comect an error in the processing of such payment You must felt us the amount of each payment or you can select an amount such as the Minimum Payment Due or the New Balance on each statement. You can cancel a payment however we must receive notice at least three business days in advance of the scheduled payment You may nobly us by phone at 1.800.347-2683 or by mad at the address listed in the previous paragraph If your payments very in ari we will tell you on each monthly statement when your payment wilt be made and tow much It will be. Your aulematc payment amount may be less than indicated on the morttty statement based on credits or payments applied during the billing cyde. Credit Reporting. We may report infamaton about your account to credit bureaa, late payments, missed payments, or other delarlls an your account may be reflected ht yourcxedit report. We normally report the slake and payment history 'of your Account to credit reporting agendes each month. It you believe that our report is Inaccurate or Incomplete, please write us at to following addrass: Discover, PO Box t6316, Wdmigion. DE 19850.5316. Please include your name, address, home telephone number and Account number. Gram Period on Purchases (at least 2S days). We begin to impose Pedo& Finance Charges on all tra sactlots from the Transaction Date for the transaction as shown on your billing statement, unless a transaction is posted to you Account after the dose of the bring period in which it occurs, in which case we begin to impose Periodic Finance Charges on that transaction from the frs! day of the bilM period in width k is posted to yourAccoixn. We continue to impose Periodic Finance Changes until the date you pay your entire New Balance, by making payments or receiving credits. However, if you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement and you pay the New Balance by the Payment Due Date on your curets billing statement, we will not impose Periodic Finance Charges on new purchases, that is, purchases first appearing on the current billing statement. We cab tins the'grace period.' There is no grace period on balance transfers or cash advances. Wriimum Finance Charge. We will charge you a minimum FINANCE CHARGE of $.50 for any biting period in which Periodic Finance Charges of less than $50 would otherwise be imposed. Annual Fee. If your Account has an annual fee, it will be billed at the beginning of each anniversary year your Accou nt is open. The amount of the fee appears on the statement when the fee is billed. The annual fee is not refundable unless you notify us that you wish to dose yourAcc uni within 30 days of the mailing or delivery date of five statement on which the fee is billed. You will receive this refund even if you use your Card during that period. Periodic Finance Charges. We sort your transactions into groups of purchases, cash advances, and balance transfers and then further sort the traraactora within each group by tiek Annual P icentage Rate. For example, purcheses subjed We promotional rate arid purchases subject to a standard rate would be separate groups. We refer to these groups as transaction calegores. At the end of each billing period, we em4xde balances and Periodic Finance Charges for each day of the billing period for each transaction category. We use the following equation to compute Periodic Finance Charges for each transaction category: (Average Daly Balance) times (days in boring period) times (Daly Periodic Rate). (You may refer to the finance charge summary on your billing statement for these amounts.) Then we add up the Periodic Finwm Charges for each transaction category to get the total Periodic Finance Charges for yourAccourd. The Average Daily Balance is shown as zero 4, because of the grace period, no Periodic Finance Barges apply to the balance in a transaction category . We use the Average Daily Balance (including new transactions) method of calculating the balance upon which we Impose Periodic Finance Charges. We compute the Average Daly Balance for each traosectiar category by adding up all the daily balances in a billing period for a transaction category and dividing the total by the number of days in the billing period. We compute the daily balance for each transaction category on each day by first adding the following to the previous day's daily balance: transactions with a Transaction Dale of that day as shown on your bhlkg statement unless the transaction is posted to your Acoount after the dose of the billing period in which it occurs, in which case the transaction will be added to the daily balance as of the first day of ft billing period in which it is posted to your Account, fees charged that day and Periodic Finance Charges accrued on the previous day's daily balance; and by then subtracting any credits and payments that are applied against the balance of the transaction category on that day. In calculating the daily balance for the first day of the billing period, we consider the 'previous day's daily balance" to have been your balance for each transaction category on the fast day of your previous billing period. Ad fees charged to your Aooomt are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance transaction category and Balance Transfer Transaction Fee Fiance Changes which are added to the applicable balance transfer transaction category. When the special rate expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category. However, k the special rate has been terminated under the Default Rate section, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges in to applicable balance transfer transaction category u d the special rate would have expired. for TDD (Tetecommunicalans Device for the Deaf) assistance, please call 1.500.347.7441. Discover may monitor andfor record telephone calls between you and Discover representatives for quality assurance purposes. The Discover' card is issued by Discover Bank, Member FDIC. OITBK171 DISCOVER New Balance Minimum Payment Due Account Number ending in 8200 $12,406.77 $245.00 Enter Amount Enclosed Below Payment Due Date $ [ 7 July 22, 2009 Please make check payable to Discover Card or pay online 0 Discovercard.corn. 27 SDSN6A01 0022187 KATHY KNAUB 165 SALEM CHURCH RD MECHANICSBURG PA 17050-2835 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.comfapps PO BOX 71084 1Ilrrr1lrurrlrl{nri,n CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space ?rrlrk?rrlrrrlrllrrq?rr?i?rrr???jrrr?ri?ri?rrllrr?rr?er?r?rr?? above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986618140952214124067700250000024500 Discover More Card Account Summary Closing Date: June 27, 2009 page i of 3 Account number ending in 8200 Previous Balance $12,247.99 Payment Due Date July 22, 2009 Payments And Credits 279.90 Minimum Payment Due $245.00 Purchases i• 237.62 Credit Limit $12,600.00 Cash Advances a 0.00 Credit Available $193.00 Balance Transfers + 0.00 Cash Credit Limit $6,300.00 Knance Charges + 201.06 Cash Credit Available $193.00 New Balance =• $12,406.77 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Cashback Bonus' Cashback Bonus(D Anniversa'y Month; January How Can We Help You? it's your choice - 3 ways to help Please have your Discover Card available. For TDD (assistance for hearing impaired) see reverse side Opening Cashback Bonus Balance $ 18.38 New Cashback Bonus This Period + 0.51 Cashback Bonus Balance $ 18.89 view 1. Visit Discover.com to pay your bill for no cost, our latest Account information, earn and redeem rewards and more 2. Call 1-800-DISCOVER (347.2683) for fast, easy self-service options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, Salt Lake City, UT 8,4130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Jun 15 Jun 16 PHILOSOPHY DIRECT HOWELL MI $ -29.90 Jun 22 Jun 22 PAYMENT - THANK YOU -250.00 Merchandise/Retail Jun 5 Jun 5 KMART MECHANICSBURGPA 26.63 Jun 6 Jun 6 KMART MECHANICSBURGPA 35.63 Supermarkets May 26 May 28 WEIS MARKETS #58 MECHANICSBUR PA 49.49 Jun 4 Jun 4 GIANT FOOD #331 MECHANICSBURGPA 45.73 010000 Jun 4 - -Jun 4- GIANTFOOD #331 MECHANICSBURGPA 32.09 010005 Jun 17 Jun 17 GIANT FOOD #331 MECHANICSBURGPA 34.81 010051 Department Store May 26 May 28 SEARS ROEBUCK 2624 CAMP HILL PA 13.24 Important Information. If there is more than one page to this biding statement, see the bade of each page W additional important irelomation. cn See your CardmemberAgreement. YoU Cardmember Agreement cmtains al the terms of your Account z Lost or stolen cards. Report irrmedatefy! Call 1.800347-2683. a 0 Baling Rights Summary. In Case of Errors or Questions About Your Bill: If you thirds your bill's wrong, or I you need mote information about a transaction onyour bill, write to us on a o separate sheet of paper at Discover, PO Box 30421, Salt Lake City, UT8413DA421, as soon as pos0e. We must hear from you no later than 60 days after we sent you the first bill on N which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: Your name and Account number, o c The dollar amount of the suspected era. co Describe the error and explain, g you can. why you believe time is an am. If 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 still Wood to pay the parts of your bl that are not in question. White eve investigate your question. we cannot report you as delinquent or take any anion toodfeet the amore{ you question. Special Rule for Credit Card Purchases: rya have a problem with t e quality of goods or services that you purchased with a credit card, and you have iced in good faith to correct the problem with the merchant, you may riot 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 purdase, was made in your boeme state or within 100 miles of your maing address. (t 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 of location of purchase) Payments. Sad only you payment and the top portion of this statement In the envelope provided. Do not send cash. By sending your check as described stove, you authorize us to use idamaflWm on your deck to make an electronic (lad transfer from your aeoout at bef l insti union IndM,ated on your cllack or to process the payment as a check transaction. K payment is processed as an electronic kind W4*, the, transfer will be for the amount of the check. When we use information from your check to make an electronic kind transfer, twWs may be withdrawn kom your account as soon as the same day we tecewe yttw payment, and you vrlg not receive your check back from your gnandal institution. The processing of your payment may be delayed g you send cash, correspondence or other hems with your payment, if you send the payment to any other address or ri you use an enveNpa other than the one provided. Payments mosived in proper form at our prooassirg balky by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing fedily alter SPM local time will be credited to yarAooourd as of the next day. If you have in sibeed your envelope. send your payment to Discover, PO Box 6103, Card, Steam, IL 60197.6103. Please allow 7-10 days for dekvery. tyour payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. You can pay your minimum payment or a greater amount over the telephone, and you can set up ahuomaGe payments. Cat us at 1800-347.2683. You wig need this statement amt your bards account i fibmtion, You must ensure tat sufficient kinds are available in your bank account, and all transactions must comply with U.S. law. You will be asked to provide the fret 5 digits of your acmamt statement ZIP code. By erterig those numbers as your electronic signakre, you will be agreeing to this autorizakn to allow us and your bank to deduct each payment you authorize tom your bands account, and to Initiate debit or credit entries to Your bank account, as applicable, to oorred. an error in the processing of such payment You must tail is the amount of eac h payment or you can seled an amount such as the Minire rn payment Due or the New Balance on each statement. You can cancel a payerneM; however we must receive notice at IsM three business days in advance of the scheduled paymmi. You may noiy us by phone at 1.800347-2683 or by mail at the address fisted in the previous paragraph. If you payments wry in amount, we wit tel you on each monthly statement when your payment wig be made and haw much it will be. Your automatic payment amount may be less than indicated on the monthly statement based on aecils or payments applied during the billing cycle. Credit Reporting. We may report information about your account to credit bureaus. Lade payments, missed payments, or Ober defaults on your account may tie reflected in your credit report. We nomally report the status and payment hiskxy of yourAocant to credit reporting agencies each mouth. I you believa tat our report is inaoturate or incomplete, please write us at the Olowing address Discover, PO Box 15316, Wikttinglon, DE 19&%W16. Please include your name, address, home telephone number and Account re umber. Gram Period on Purchases (at West 25 days(. We begin to u" Periodic France Impose Ganges on all transactors from the Transaction Oala for the bansactikrh as shown on your billing staernent unless a transaction is posted to yourAomu t after, the dose of the billing period in uvfioh it occurs, in which case we begin to impose Periodic France Charges on that transaction from the first day of the filling period in which k is posted to yourAecournt We continue to impose Periodic Finance Charges until the date you pay your entire New Balance, by making payments or receiving credits. However, 9 you paid the New Balance on your previous billing stalement by the Payment Due Date shown on that biding statement and you pay the New Balance by the Payment Due Date on your currert bllbV statement, we YA not impose Periodic Finance Charges on new purchases, that is, purchases first appearing a the current billing statement. We call this the 'W" period.' There is no grace period on balance transfers or cash advances. Mbnknum Finance Charge. We will charge you a minimum FINANCE CHARGE of $.50 for any billing period in which Periodic Finance Charges of less than $.50 would otherwise be Imposed- Annual Fee. tyour Aotornt has an ,antral lee, g wig 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 tilted. The annual fee is not refundable unless you ratify us that you wish to dose yourAcmunt wit en 30 days of the mailing or delivery date of the statement on which the fee is billed. You will receive this refund even tyou use your Card during that period. Periodic Finance Charges. We sod you trxhsadiors into groups of purchases, cash advances, and balance transfers and then further sod the transactions within each group by their Annual Percentage Rafe. For example, puchases subject to a promotional rate and purchases subjed to a standard rate wbutd be separate groups. We refer to these groups as" transaction categories. At the and of each bring period, we compute balances and Periodic Finance Charges for each day of the tiding period for each transaction category. We use the following equation to compute Periodic Fiance Charges for each iransad on category: (Average Daly Balance) times (days in Wing period) times (Daily Periodic Rate). (You may refer to the finance charge sunnary on you oiling statement for these amounts.) Then we add up the Periodic France Charges for each transaction category to get the total Periodic Finance Charges for yourAceount, The Average Daily Balance's shown as zero if, because of the grace period, no Periodic Finance Charges apply to the balance in a transaction category. We use the Average Daly Balance (inducing new transactions) method of calculating the balance upon which we Impose Periodic Finance Charges. We compute the Average Daly Balance for each transaction category by adding up all the daft' balances in a billing period for a transaction category and dividing the toilet by the number of days in the bailing period. We core" the dally balance for each transaction category on each day by fast adding ft following to the previous days doily balance: transactions with a Transaction Dale of that day as shown on your bring statement unless the transaction is posted to yourAaarnt after ft dose of the billing period in which it ocars, in which case the transaction will be added to the daily balance as of the first day of the biting period in which it is posted to your Aocount fees charged that day and Periodic Finance Charges accrued on the previous day's daily balance; and by then subtracting any aedhts and payments that are applied against the balance of the transaction category on that day. in calculating the daily balance for the first day of the billing period, we consider ihe'previous day's dally bakereW io have been your balance for each transaction category on the last day of your previous Wlgmq period. All fees charged to your Account are added to the standard purchase traruad6on ca"ory with the exception of Cash Advance Trarsacton Fee Finance Charges which are added to the applicable cash advance transaction category and Balarme Transfer Transaction Fee Finance Charges which are added to the applicable balance transfer transaction category When the special rate expi es. we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category. However, t the special rata has been terminated under the Default Rate section, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges in the applicable balance transfer transaction category until the special rata would have expired. For TDD (Telecommunieatons Device for the Deal) assistance, pease all 1.800.347.7449. Disaver may monitor andfa record telephone tags between you and Discover representatives for quality assurance pup-w- The Discover"' card is issued by Discover Bank, Member FDIC. OITBK171 DISCOVER F 6p,S; to KATHY KNAUB Account number ending in 8200 Go green. Go paperless. Join the effort to save trees and clean up your mailbox. Just sign up for Paperless Statements and you can help save over 70 million pages per year. You'll also be helping yourself to 24 months of password-protected, statement history, complete with merchant names, locations and zip codes. Go to Discover.com/paperless and sign up for Paperless Statements today. 02010 Discover Bank, Member FDIC a PPRGRN.OB10 Closing Date: June 27, 2009 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 CHARGES current billing period: 31 days Purchases $12465.51 0.05203% 18.99% F 18.99% $201.06 $0 Cash Advances $0 0.06299% 22.99% F 22.991% $0 $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). ?'T l DISCOVER" Ciosing Date:' I OTHY KNAUB e 27 ??? j Axount number ending in 8200 T page3of3 Cashback Bonus O' Award Summary Cashback Bonus Anniversary Date: January 27 Balance Previous Cashback Bonus Award Balance $ 18.38 Purchase Award This Period + 0.51 Cashback Bonus Award Total 18.89 Cashback Bonus Award Balance 18,89 ,Award Available to Redeem $ 18.89 Restrictions apply to the Cashbook Bonus Partner offers visit Discover.com or cal! I-800 DISCOVER (1-800-3A7.2683) for details. For program details, see the Cashback Bonus Program Terms and Conditions. DISCOVER New Balance Minimum Payment Du Account Number ending in 8200 $12,223,70 $244.00 Enter Amount Enclosed Below Payment Due Date $ August 22, 2009 Please make check payable to Discover Card or pay online @ Discovercard.com. 27 SDSN6A01 0022188 KATHY KNAUB Tired of buying stamps? Go mobile! Make 165 SALEM CHURCH RD and schedule payments from your phone with the Discover app. Irs fast and it's free. MECHANICSBURG PA 17050-2835 Download now atdiscover.com/apps PO BOX 71084 111 111111 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. 000001986618140952214122237000000000024400 Discover More Card Account Summary Closing Date: July 27, 2009 page I of 2 Account number ending in 8200 Previous Balance $12,406.77 Payment Due Date August 22, 2009 Payments And Credits 418.90 Minimum Payment Due $244.00 Purchases + 182.83 Credit limit $12,600.00 Cash Advances + 0.00 Credit Available $376.00 Balance Transfers + 0.00 Cash Credit Limit $6,300.00 Finance Charges + 53.00 Cash Credit Available $376.00 New Balance = $12,223.70 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 18.89 New Cashback Bonus This Period 5% Cashback Bonus + 1.14 Everywhere Else + 0.35 Cashback Bonus® Anniversary Month: January Cashback Bonus Balance $ 20.38 How Can We Help P You? I. Visit Discover.com to pay your bill for no cost, view our latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-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) aired see reverse side 3. Write us at Discover Card, PO Box 30943, ( 9 i P } Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Jun 29 May 27 ADJUSTMENT - FINANCE CHARGE $ .145.88 Jul 17 Jul 19 RITE AID LEMOYNE PA -23.02 Jul 22 Jul 22 PHONE PAYMENT - THANK YOU -250.00 Merchandise/Retail Jul 15 Jul 15 KMART MECHANICSBURGPA 65.13 Jul 17 Jul 17 RITE AID LEMOYNE PA 94.88 Gasoline Jul 15 Jul 15 SUNOCO MECHANICSBURGPA 24.82 Information For You This month, the featured Cashback Bonus(R) Redemption Partner is Bed Bath & Beyond(R). Redeem $20 Cashback Bonus for a $25 Bed Bath & Beyond gift card. Finance Charge Summary Nominal Average Daily ANNUAL ANNUAL Daily Periodic PERCENTAGE PERCENTAGE Balances Rates RATES RATES current billing period: 30 days Purchases $12302.49 0.01436% 5.24% V 5.24% Cash Advances $0 0.06299% 22.99% F 22.99% The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Transaction Periodic Fee FINANCE FINANCE CHAR-C95 _ CHARGES $53.00 $0 $0 $0 Save time. Pay your bill online. It's easy, convenient, secure and free. Just log in or register at the Account Center on Discover.com and your payment will be posted the same business day - up to 5 pm Eastern time. Important Information. H there is more than one page to this billing statement, seethe back of each page for additional important information. See your Cardmember Agreement. Your Cardmernber Agreement contains all the larm5 of your Aocaunt Lost or stolen cards. Report immediately! Ca111400-341-2603. Biding Rights Summary. In Case of Errors or Questions About Your Bill: If you think your bbl 6 wrong, or if you need more information about a transaction on your bill, write to us on a sepxate sheet of paper at Discover, PO Box 30421, Salt Lake City, UT 841300421, as soar as possible. We most hear from you no later than 60 days after we sent you the fast bill on which the error or problem appeared. You can telephone us, but doing so w1 not preserve your rights. In your letter, give us the following information: Your name and Account number. The dollaramoad of the suspected error. Describe the error and em Alan, it you can, why you believe there's an error. Il you need more information, describe the item you are unsure about. You do not have lo pay any amount in question whsle we are bveslga0m, but you are still obligated to pay the pads of your bill that are not in question. While we Investigate your question, we marmot report you as delnquent or take any action to collect the amotat you quesGen. 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 tried in good faith to correct the problem with the merchant, you may not have to pay tie remaining amount due on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 miles of your makng address. Of we own or operate the merchant, or 'd we mailed you the advertisement for the goods or services, all purchases ate covered regardless of the amount or location of purchase.) Payrnerhts. Send entry your payment and the top portion of this statement in the envelope provided. Do not send caA By sending your check as described above, you authorize us to use information on your check to make an efectrahicfund transfer from your account at the financial nsttutan indicated on your check or to process the payment as a check transaction.: If payment is processed as an elecbatic kind transfer. the bander will be for the most of the c hedk. When we use Wmatah from your check to make an electronic fund transfer, lends may be vidto urn from your accourH as soon as the same day we receive your payment, and you will notreceive your dherk bads him your 4naruial inti loon. The processing of your payment may be delayed if you sand cash, oarespondence or olives items with your payment, I you send to paymert to any other address or 4 you use an envelope other than tike one provided. Payments received in proper form at our processing Wily by 5PM kcal time on any day will be credited to yourAocount as of that day. Payments received at our prooessng facilty after 5PM local time will be credited to your Amount as of the next day. 9 you have misplaced your envelope, sand your payment to tkscover, PO Box ............ 6103, Card, Sikeam, It 60' 197-6103, Please allow 7-10 days for delivery. If your payment is relinnecl unpaid, we reserve ire right to resubmit 6 as in elecroaic debit. You can fall your minimum payment or a greater amount over that telephone, and you can set up automatic payments. Cal us at 1-800.347-2683. You will need this statement and your bank account infomhatm, You mtst ensure that sufficient lends are available in your bank account, and all transactors must comply with U.S. W. You will be asked to provide the first 5 &jb of your awwril statement ZIP code. By enledng those numbers as your decbahic signalure, you will be agreeing to this aulhorhzatah to am us and your bank to deduct each payment you atNhonze from your bank account, and to initiate debt or credit entries to your bank account, as applicable, to correct an amen in the processing of such payment You must fell us the amount of each payment or you can select an ~t such as the Minimum Payment Due or the New Balance on each statement You can cancel a payrnerit; however we rrast receive notice at Least Owe business days In advance of the scheduled payment You may notify us by phone at 1.1100-347-2683 or by mail at the address fisted in the previous paragraph. 9yor payments vafy in artouru, we will let you on each nerd statement when your payment will be made and taw much ft will be. Your automate payment amount may be less mart indicated on the monthly statement based on credits or payments applied during the billing cycle. Credit Reporting, We may report Information about your account to credit bureaus. Late payments, missed payments, or other defauls on your acooto maybe refeded in your credit report. We normally report the slatus and payment history of your Account to credit reporting agencies each month. If you believe that our report's inaccurate or inoofnplete, please write us at the tolo+ing address: Discover, PO Box 15316, Wilmington, DE 19850-5316. Please include your mama, address, home telephone number and Accent number. Grace Period on Purchases (at bast 25 days). We begin to impose Periodic F'nakce Charges on all aatsactons from the Transaction Date to the transaction as. shown on your Ming staiwem, unless a transaction is posted to your Account after the dose of the billing period in which t occurs. In wtdch case we begin to impose Periodic Finance Charges on that tra MIK)n Rom the first day of the bilfing period in Which t Is posted to yourAc aunt We continue to Impose Periodic Finance Charges until tie date you pay your ekdim New Balance, by making payments or receiving credits. However, if you paid the New Belakce on your previous billing statement by the Payment Due Data shown on that Ming statement and you pay the New Balance by the Payment Due Bate an your chrrent Wing Maternert, we will not Impose Periodic Finance Charges on new purchases, that is, purchases first appealing on the current bbV statement We call this The *grace period.' There is no grace period on balance transfers or cash advances. Minimum Finance Charge. We will charge you a mnenum FINANCE CHARGE of $50 for any bang period in vdtch Periodic France Charges of less than $50 vroutd otherwise be imposed. Annual Fee. It your Account has an anrxual fee, it will be bited at tike beginning of each anniversary yea your Account is open. The amount of the fee appears on the statement when the fee is billed. The annual fee Is not rdindable unless you notify us that you wish to dose yourAccourd witirt 30 days of the malfing ordefivery data of the statement on which the fee is bled. You vA receive this refund evert I you use you Card during that period. Periodic Finance Charges. We and your transactions into groups of purchases, cash advances, and balance trarsfers and then further sat the transactions within each group by Ji, Aw "i P;rcewage Rate.- our e:ampie; Purchases st;, d !ors promotional the and purchases subject to a standard rate would be separate groups. We refer to these groups as transaction categories At the end of each billing period, we compute balances and Periodic Finance Charges for each day of the bang period for each transaction category. We use fbe following equation to compute Periodic Finance Charges for each transaction category: (Average Daley Balance) ferias (days in biding period) ernes (Daily Periodic Rate). (You may refer to the finance charge summary on your billing statement for these amours.) Then we add up the periodic Finance Charges for each transaction Wlagory to get the total PeftFahance Charges AN your Account. The Average Daily Be%Kti is shown as zerel, because Of the grace period, to Periodic Finance Charges apply to the balance in a transaction category. We use the Average Daily Balance (including new transactions) meted of calculating the balance upon which we impose Periodic Finance Charges. We compute the Average Daily Balance for each transaction category by adding up all the daily balances in a biding period for a transaction category and dividing the total by the number of days in the bil ing period. We compute the daily balance for each transaction category on each day by first adding the following to the previous day's daily balance : transactors with a Transaction Date of that day as shown on your billing statement, unless the transaction is posted to your Account after the dose of the billing period in which 4 occurs, in which case the transaction will be added to the dally balance as of the first day of the billing period'n which it is posted to your Account, fees charged that day and Periodic Finance Charges accrued on the previous days daily balance; and by then subtracting any credits and payments that are applied against the balance of the transaction category on that day. In calculating the daily balance for the first day of the billing period, we consider the'prevous day's daily balance* to have been your balance for each transaction category on the last day of your previous bfog period. All fees charged to yo urAcocint are added to the standard purchase transaction category with the exception of Cash Advance Trarsadkn Fee Finance Charges which are added to the applicable cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable balance transfer transaction category. When the special rate expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standand purchase tra sacton category. However, if the special rate has been terminated under the Default Rate section, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges in the applicable balance transfer transaction category until the special rate would have expared. For TDD (Tehecom nunications Device for the Dean assistance, please call 1.800.947.7449. Discover may monitor andlor record talepthone calls between you and Discover representatives for quafty assurance Pugheses. The Discover'; card is issued by Discover Bank, Member FDIC. OITBK171 _i ou DISCOVER Closing Date: KcATHY KNAUB u A A(ccount number ending in 8200 page 2 of 2 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: January 27 Balance Previous Cashback Bonus Award Balance $ 18.89 Purchase Award This Period + 0.35 5% Cashback Bonus 1.14 Cashback Bonus Award Total 20.38 Cashback Bonus Award Balance 20.38 Award Available to Redeem $ 20.38 Restrictions apply to the Cashback Bonus Partner offers visit Discover.com or call 1-800-DISCOVER (1-800-347.2683) for details. For program details, see the Cashback Bonus Program Terms and Conditions. New Balance Minimum Payment Die account Number ending in 8200 DISCOVER $12,031.04 $240.00 !_nter Amount Enclosed Below Payment Due Date September 22, 2009 Please make check payable to Discover Card or pay online 0 Discovercord.com. 27 SDSN6A01 0022189 KATHY KNAUB Tired of buying stamps? Go mobile! Make and schedule payments from your phone 165 SALEM CHURCH RD with the Discover app. Ifs fast and its free. MECHANICSBURG PA 17050-2835 Download now atdiscover.com/apps PO BOX 71084 IllrrsllrrrrrlrllItIIIII CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space )?r( ((rr)rrr)r))rrr?rr)r?rrr?I?Irrr?rrlrrlrr)?rr?rrlrr)r)irl? above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986618140952214120310400250000024000 Discover More Card Account Summary Closing Date: August 27, 2009 page 1 of I Account number ending in 8200 Previous Balance $12,223,70 Payment Due Date September 22, 2009 Payments And Credits - 250.00 Minimum Payment Due $240.00 Purchases + 2.99 Credit limit $12,600.00 Cash Advances + 0.00 Credit Available $568.00 Balance Transfers + 0.00 Cash Credit Limit $6,300.00 Finance Charges + 54.35 Cash Credit Available $568.00 New Balance = $12,031.04 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 20.38 New Cashback Bonus This Period + 0.00 Cashback 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. Cashback Bonus Balance $ 20.38 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 1-800-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 Cmaits Aug 23 Aug 23 PAYMENT - THANK YOU $ -250.00 Cnher/Miscellaneous Aug 23 Aug 23 WALLET PROTECTION I MO 888.802.9639 UT 2.99 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 $12210.21 0.01436% 5.24% V 5.24% $54.35 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Save time. Pay your bill online. IYs easy, convenient, secure and free. Just log in or register at the Account Center on Discover.com and your payment will be posted the same business day - up to 5 pm Eastern time. Important Information. If there is more gran one page to this billing statement, seethe back of each page for additional important information. Cr See your Cardmember Agreement. Your Cardmember Agreement contains all the leans of your Aaornt rn 2 Lost or stolen cards. Report immediately} Call 1.800347.2683. c Billing Rights Summary. In Case of Errors or Qirestions About Your Big: If you think your bill Is wrong, or t you need more information about a transaction on your big, write to us on a o separate sheet of paper at Discover, PO Box 36421, Sag Lake City, UT 84130-0421, as soon as posslole. We must hear from you no later than 60 days afterwe sent you the first trill on N which the error or problem appeared. You can telephone us, but doing so volt not preserve your rights. In your letter, give us ire fdiovwptg Information: N Your name and Account number. CD • The dollar amount at the suspected incr. w Describe the error and e t can, why you believe there is an incr. If you need more Information, describe the gem you are unsure about. You do not have to pay any amount in question vtite we are investigating, but you are sill obligated to pay the parts of your bill that are not in question. Wile we investigate your 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 with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods or services. You have his protection only when the purchase price was mom then $50 and the purchase was made in your home state orwithin 100 miles of your mallng address. (t we own oroperate lire merchant, or if we malted you the advertisement for the goods or services, 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 envek>Fre provided. Do not send cash. By sending your cheek as described above, you authorize us to use irdormaton on your check lo make an electronic fund transfer from your account at the financial institution indicated on your credo or to process the payment as a check transaction. 0 payment is processed as an electronic fund transfer, the transfer will be for the amount of the diedc. When we use Information from your dieck to make an electronic fund transfer, funds may be wil drawn from your account as soon as the same day we receive your payment, and you "it cot receive your shed; beds from your finandal iuskition. The processing of your payment may be delayed 6 you send rash, correspondence or alher items with your payment, if you send the payment to any other address or t you use an envelope other than the one provided. Payments received in proper form at our processing iaality by 5PM kcal time on any day will be credited No yourAcoourd as of that day. Payments received at our processing facility after 5PM focal time will be credited to your Account as of the next day. If you have misptaced your envelope, send your payment to Discover, PO Box , 6103, Carol, Stream, 1601575103. Please allow 7-10 days for delivery if your payment is returned unpaid, we reserve the right to resubmit it as an eledtrorc detiit. You can pay your minimum payment or a greater amount over the telephone, and you can setup automatic payments. Cat us at 1-8"7-2683. You will need thb statement and you barbs account information. You must awe that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You will be asked to provide the first 5 digits of you account statement ZIP code. By entering those numbers as your electronic signature, you wig be agreeing to this sutrorizetion to skew us and your Cann to deduct each payment you authorize from your bards account, and to initiate debit or credit entries to your bank account, as appkable, to cared an enor in the processing of such payment. You mast' tog us the amount leach payment or you can select an amount such as the Minimum Payment Due or the New Balance on each statemer t. You can cancel a paymert; however we must receive notice at least three business days in advance of lire scheduled payment You may notify us by phone at 1400.347.2683 or by maid at the address "d in the previous paragraph. If your payments vary in amount, we will tell you on each monthly statement when you payment will be made and how much it will be. Your automate payment amount may be less than indicated on the monthly statement based on credits or payments applied during ghe tilling cycle. Credit Reporting. We may report information about your accent b credit bureaus. Late payments, missed Payments, or other defaults on your account may be reflected in you credit report. We normally, report the status and payment history of yourAccounl b credit reporting agencies each month. t you believe that our report is Inaenrate Of Incomplete, please write us at tie following address: Discover, PO Box 15316, WiknirgtorL DE 19850.5316. Please indWe your name, address, home telephone number and Account number. Grace Period on Purchases (at Least 25 days). We begin to impose Periodic Finance Charges on all transactions from the Transaction Dale for the transaction as shown on your biting statement, unless a transaction is posted to your Account after the dose of the biting period in which it occurs, In which case we begin to impose Periodic Finance Charges on that aansadim from the first day of the b1#4 period in which it is pasted to yew AcoounL We continue to Impose Periodic Finance Charges until the date you pay your entire New Balance, by making payments or receiving credits. However, if you paid the New Balance on your previous billing stalament by the Payment Due Date shown on that frilling statement and you pay the New 084anm by the Payment Due We on your anent bitktg stalement, we wit tat impose Periodic, Finance Charges on new purchases, tat is, purchases first appearing on the current billing statement We call this the grace period' There is no grace period on balance transfers or cash advances. Minimum Finance Charge. We will charge your a minimum FINANCE CHARGE of $.50 for any billing period in which Periodic Finance Changes of less titan $50 would otherwise be imposed, Annual Fee. If your Account has an annual fee, it wig 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 s billed. The annual fee is not refundable unless you notify us that you wish io dose you Account within 30 days of the mailing or delivery date of the statement on which the fee is billed. You wit reserve this mfumd even If you use your Card during that period. Periodic Finance Charges. We sot your transactions into groups of purchases, cash advances, and balance transfers and ten further sort the transactions within each group by their Annuai Perceniage Rate. For example purchases subject to a pnormionai rate and purchases subject to a standard rate would be separate groups. We refer to these groups as hansacien categories. At the end of each biting period, we compute balances and Periodic Finance Charges for each day of the biting period for each transaction category. We use the following equation to compute Periodic Finance Charges for each transaction category: (Average Daly Balance) times (days in billing period) times (Daily Periodic Rate). (You may refer to the finance charge summary orb your billing statement for these amounts.) Then we add tip the Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges for your Account TheAvemge Daly 13aiance is shown as zero if, because of the grace period, no Periodic Finance Charges apply to lire balance in a transaction category. We use the Average Daily Balance (iududirg new transactions) method of calculating the balance upon which we impose Periodic Finance Charges. We compute the Average Dally Balance for each transaction category by adding up all the daily balances in a bllgng period for a transaction category and dividing the Will by the number of days in the billing period. We compute the daily balance for each transaction category on each day by first adding the loilowi g to the previous days daily balance: transactions with a Transaction Date of that day as shown on your biting statement, unless the transactions posted to yourAcccunt after the dose of the biting period in which t occurs, in which case de transaction will be added to the dally balance as of to f rs1 day of the tiding pedal in which it is posted to your Acocum, fees charged tray day and Pefedic Finance Charges accrued on the previous day's daisy balance; and by then subtracting any credits and payments that are applied against the balance of the transaction category on that day. In calculating the daffy balance for the first day of the bing period, we consider the -previous days dairy balance' to have been your balance for each transaction category on the fast day of you previous filling period. Aft fees charged In your Account are added to the standard purchase transaction category with the exception of Cash Advance Trarsaclon Fee Finance Charges which are added to the applicable cash advance transaction category and Balance Transfer Transactor Fee Finance Charges which are added to the applicable balance Ini sfer transaction category. When the special rate expires, vre move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee France Charges to the standard purchase transaction category. However, tithe special rate has been terminated under the Default Rate section, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges in the applicable balanca transfer transaction category Wit the special rate would have expired. For TOO (Telecommunications Device for the Deaf) assistance, please call 1-600347.7449. Discover may mardor andior record telephone calls between you and Discover representatives for quality assurance ptayases. The Discove x card is issued by Discover Bank, Member FDIC. 01TBK171 DISCOVER New Balance L$236.00 um Payment Due Account Number ending in 8200 $11,837.49 I Enter Amount Enclosed Below Payment Due Date $ i October 22, 2009 please make check payable to Discover Card or pay online @ Discovercard.com. 27 SDSN6A01 0022190 KATHY KNAUB Tired of buying stamps? Go mobile! Make and schedule payments from your phone 165 SALEM CHURCH RD with the Discover app. Irs fast and it's free. MECHANICSBURG PA 17050-2835 Download now at discover.corrlapps PO BOX 71084 ?Ilrrrll+rrrrlrllrrrl+rr 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. 000001986618140952214118374900000000023600 Discover More Card Account Summary Closing Date: September 27, 2009 page 1 of 1 Account number ending in 8200 Previous Balance $12,031.04 Payment Due Date October 22, 2009 Payments And Credits 250.00 Minimum Payment Due $236.00 Purchases + 2.99 Credit limit $12,600.00 Cash Advances + 0.00 Credit Available $762.00 Balance Transfers + 0.00 Cash Credit Limit $6,300.00 Finance Charges + 53.46 Cash Credit Available $762.00 New Balance -- $11,837.49 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 20.3 B New Cashback Bonus This Period + 0.00 Cashback Bonus Balance S 20.38 Cashback BonusO Anniversary .. ........... Month: January CONGRATUtATIONSI 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 our }? 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 Transoctions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Sep 22 Sep 22 PHONE PAYMENT - THANK YOU $ .250.00 Other/Miscellaneous Sep 23 Sep 23 WALLET PROTECTION 1 MO 888-802-9639 UT 2.99 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 $12009.05 0.01436% 5.24% V 5.24% $53.46 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above Save time. Pay your bill online. It's easy, convenient, secure and free. Just log in or register at the Account Center on Discover.com and your payment will be posted the same business day- up to 5 pm Eastern time. Important Information. If there is more than one page to thts bitting statement, see the back of each page for additional important information. See your Cardmember Agreement. Your CanlmemberAgreement contains all the temps of your Account Lost or stolen cards. Report immediately! Call 14W-347-2683. Billing Rtg1NS Summary. In Case of Ems orClueafions About Your Bill: If you think your NO is wrong, or h you need more information about a transaction on your bill, write to us on a separate sheet of paper at Disarmer, 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 sent you the first bill on which the error or problem appeared, You can telephone us, but doing so will not preserve your rights. In your letter, give us the fopowirg information: Your name and Account number. The dollar amount of the suspected errs. Describe the oxror and explain, If you can, why you believe them is an war. If you need more information, describe the hem you are unsure aWA. You do not have to pay any amount in question while we are investigating, but you are still obggaled 10 pay the parts of your bill that are rd in question. While we investigate your question, we cannot report you as delinquent or lake any action to coiled the amount you question. Special Rule for Credit Cud Purchases: Ifyou have a problem with the qualiryr of goods or services that you purchased with a credit card, and you have bied in good kith to correct the problem with the merchant, you may not have to pay the rernaining amount due on the goods or services. You have this protection only When the purchase price was more than $50 and the purchase was made in your home state or within 100 mks of you mailing address. (ti we own or operate the merchant or 'd we mailed you the advertisement for the goods or services, all p>wthases are covered regardless of the amount or location of purchase.) Payments. Send only your payment and the top portion of this stalement in the envelope povpded. Do not send cash. By sending your check as described above, you authorize us to use information on your chock to make an derionic fund transfer from you account at the financial institution indicated on your check or to process the payment as a check WeacGon. If pay merit is processed as an sWcrmic bond banskr, the ixhsfer will be for the amount of the check. When we use i formagan from your check to make an electronic fund transfer. Ands may be, vMlWremn tram your axarrt as soon as pre same day we receive your payment, and you will notmceve your check back from your financial, isfm =. The processing of you payment may be delayed Iyou send cash, mmisprdence or other hems with your payment, t you send the payment to any other address or t you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day wig be credited to your Account as of that day. Payments received at our pnocessinng faaWyafterSPM local time will be_ore6ted to your Account . as of the next day: ffyou. have misplaced. your envelope send .your payment to Discover, PO Box 6103, Gad, Stream, IL 60107-6103. Plasm alloy 7-10 166 ??emY• tYair payment is returned unpaid, we reserve the ngn to resubmit it as an electnxdc debit. You can pay yourmurcnum payment or a greater sm ount over the telephone, and you can sat up automatic payments. Call us at 1 •WD-347-2683. You will need this statement and your bank account nforatiom. You must ensure that sufficient funds am available in your bank account, and all transactions must comply with U.S. law. You will be asked to provide the first 5 digls of your account statement ZIP Dade. By enterig those numbers as yourelekdmnic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you autadze thin you bark account, and to frigate detift or aedt enbies ki your bank account, as applicable, to correct an error in the processing of such payment You must tell us the amount of each payment or you can select an amount such as line Mi lmum Payment Due or the New Balance on each statement You can camel a payment; however we must receive note at least three business days in advance of the scheduled payment You may notify us by phone at 1.80347.2603 or by rnail at the address fisted in the previous para"Ir. If you payments vary in amour, we will tell you on each monthly statement when your payment will be made and how much it will be. Your automatic payment amore may be less than indicated on the monthly statement based on credits or payments applied during the billing cycle. CrediB Reporting. We may report information about your account to credit bureaus. Late payments, mired payments, or other depadts on your account may be reflected in your credit report, We normally report the sladts and payment hfsiory of your Account to credit reporting agencies each month. H you believe that our report is inaccurate or incomplete, please write us at the followng address: Discover, PO Box 15316, Wrinngton, DE 19850-W16. please include your name, address, tame Telephone number and Amount number. Grace Period on Purchases (at West 25 days). We begin to impose Periodic Finance Charges on all transactions from the Transaction Date for the transaction as shown on your b*g statement, tuiess a transaction is posted in your Amount after the dose of the biting period in which it owes, in which case we begin to Impose Periodic Finance Charges on that transaction from the fast day of the billing period in which it is posted to your Amount. We continue to impose Periodic Finance Charges until the data you pay your entire Nov Balance, by making payments or receiving credits. However, 0 you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement and you pay the New Balance by the Payment Due Data on your currem blift statement, we w® not irnpose periodic Finance Changes on new purchases, that is, purchases first appearing on the current billing statement We cat this the'grace period' There is not grace period on balance transfers or cash advances. Minimum Finance Charge. We will charge you a minimum FINANCE CHARGE of $.50 for arty billing period in which Periodic Finance Charges of less than $.50 would otherwise be imposed. Annual Fee. If your Account has so aahal fee, Will be tilled at the begin of each annHetsary year you Amou t is open The amount of the fee appears on tie statement when the fee is taped. The amoral lea is not rekndable unless you no* us that you wish fo close yarAccount within 30 days of the mailing or delivery date of the statement on which the fee is bled. You will receive this refund even if you use your Card during that period. Periodic Finance Charges. We sal your transactions Ado groups of purchases, cash advances, and balance transfers and then further sot the transactions within each group by NeirAnnall Percentage Rate. For example, purchases subject to a promotional rate and purchases subject to a standard rate would be separate groups. We refer to these groups as transaction categories. At the end of each blip period, we compute balancers and Periodic Finance Charges for each day of the billing period for each transaction category. We use the following equation to compute Periodic Finance Charges for each transaction category: (Average Daily Balance) times (days in Ming period) times (Daiy Periodic Rate). (You may raterto the nuance charge summary on your billing statement lor these amounts.) Then we add up the Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges for you Amount The Average Daily Balance is shown as zero if. because of the grace period, no Periodic Finance Charges apply to ft balance in a transaction category. We use the Average Daly Balance (including row transactions) method of calqulatkg the balance upon which we impose Periodic Finance Charges. We compute the Average Daily Balance for each transecilim cat" by adding up sill nine dagy balances in a bitingg period for a transaction category and dividing the total by the number of days in rte billing period. We compute file daily balance for each transaction category on each day by first adding the folb4 to the previous day's daily balance: transactions with a Transaction Date of that day as shown on your hiking statement unless the transaction is posted to yourAcmum after the close of the billing period in which h occurs, in which case the transaction will be added to the daily balance as of the first day of the Wiling period In which it is posted to yourAccont, fees charged that day and Periodic Finance Charges accrued on the previous day's daily balance; and by then subtracting any credits and payments that are applied against the balance of the transaction category on that day. In calculating the daily balance for the first day of the biting period, we consider the "previous days dally balance' to have been you balance for each transaction category on the last day of your previous billing period. All fees charged to yourAcnwnt are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable Cash advance transaction category and Balance Transfer Transaction Fee Finance Changes which are added to the applicable balance transfer transaction category . When the special Yale expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee France Charges to the standard purchase transaction category. However, if tie special rate has been terminated ode tie Default Rate section, we leave the unpaid baler" of the balance transfer and the Balance Transfer Trarsaction Fee Finance Charges in the applicable balance transfer transaction category until the special rate would have expired. ForTDD (TelecommhuleaWns Device for the Deal) assistance, please call 1.800.347.7449. fksawer may moriaw andW record Wq t m calls between you and Discover repeseaafrves for quality assurance purposes The Discover' card is issued by Discover Bank, Member FDIC. OITBK171 N ? ?I New Balance Minimum Payment Du Account Number ending in 8200 DISCOVER $11,641.35 $232.00 Enter Amount Enclosed Below Payment Due Date $ November 22, 2009 Please make check payable to Discover Card or pay online 0 Discovercard.com. 27 SDSN6A01 0022191 KATHY KNAUB 165 SALEM CHURCH RD MECHANICSBURG PA 17050-2835 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 mobilet Make and schedule payments from your phone with the Discover app. It's fast and it's free. Download now at discover.comfapps PO BOX 71084 IIIBill II MAIlIII lrrrIII CHARLOTTE NC 28272-1084 11111I1 n6ulrllnIl111 1111111161111111111111111111111111111 000001986618140952214116413500250000023200 Discover More Card Account Summary F Closing Date: October 27, 2009 page 1 of 2 Account number ending in 8200 Previous Balance $11,837.49 Payment Due Date November 22, 2009 Payments And Credits 250.00 Minimum Payment Due $232.00 Purchases + 2.99 Credit Limit $12,600.00 Cash Advances + 0.00 Credit Available $958.00 Balance Transfers + 0.00 Cash Credit Limit $6,300.00 Finance charges + 50.87 Cash Credit Available $958.00 New Balance - $11,641.35 You may be able to avoid Periodic Finance Charges, see the I reverse side for details. Cashback Bonue Opening Cashback Bonus Balance $ 20.38 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 20.38 Cashback BonusO Anniversa y Month: January How Can We Help You? p 1. Visit Discovencom to pay your bill for no cost, view your t A l t i i f d d d It's your choice - 3 ways to help a es ormat on, earn an ccount n eem rewar re s and more 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 1 Write us at Discover Card, PO Box 30941, Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. - Trans. Post Date Date Payments and Credits Oct 22 Oct 22 PAYME NT -THANK YOU $ .250.00 Other/Miscellaneous Oct 23 Oct 23 WALLET PROTECTION 1 MO 888-802.9639 UT 2.99 Information For You Enroll in Paperless Statements for your chance to win big. Go paperless and you can win up to $15,000 cashl Learn 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 CHARGES CHARGES current billing period: 30 days Purchases $11812,63 0.01436% 5.24% V 5.24% $50.87 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Save time. Pay your bill online. It's easy, convenient, secure and free. Just log in or register at the Account Center on Discover.com and your payment will be posted the same business day - up to 5 pm Eastern time. Important Information. If there is more than one page to this bung statement see the back of each page lor additional important information. Ste your Cardmember Agreement Your Cardmember Agreement contains all the terns of your Account Lost or stolen cards. Report immediately? Call 1.8"7.2653. Billing Rights Summary. In Case of Errors or Questions About Your Bill: If you think your bill is wrong, or ff you need more information about a hirsacton 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 pmt 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 riot preserve your rights. In your letter, give us the following information: Your name and Account number. The dollar amount of the suspected error. Describe the error and explain, if you can, why you believe there is an error. t you need more irfomtation, describe the ftem 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 pads of you bill that are not in question. While we investigate your question, we cannot report you as delinquent or take arty action to collect 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 tried in good faith to correct the problem with the merchant, you may not have to pay 6te remaining amount dire on the goods or services. You have this protection only when the purchase price was more than $50 and ire purchase was node in your toms stale or within 100 miles of your maiing address. (If we own or operate the merchant or t we mailed you the advedfsement for the goods or services, at 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 your check as described above, You authorize us to use adormadon on your check b make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a deck transaction. It payment is processed as an electronic fund transfer, the transfer will be for da amount of de check. When we use Information from you chat k to make an efecOromc fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you Q not receive your check tack from your financial institution. The processing of your payment may he delayed if you send cash, correspondence or other Items with your payment, if you send the payment to any oiler address or if you use an envelope other than the ors provided. Payments received in proper fork at our processing facility by SPM local time on any day wit be credited to your Account as of that day. Payments received at our processing fa>bty alter 5PM focal time wilt be credited, to your Account as.of the nedday. If you have misplaced your envelope, send your payment to p srpyer, PO Box 6103 Cand, Stream, IL 60197.6103. Please atlaw 7-10 days fir delivery. dyour payment s returned unpaid, we reserve ft right to resubmit it as an etectanfc debit You can pay your mi imun payment or a grater amount over the telephone, and you can setup automatic payments. Callus at 1-8110.347.2683. You will need this statement and your bank account information. You must ensure that sufficient kinds are available in your bank account, and all transactions must comply with U.S. law. You will be asked to provide the first 5 digits of your account statement ZIP code. By entering those n rnbers as your electronic signature, you YAK be agreeing to this authorization to allow us and your bank to deduct each payment you authorize from your bank account, and to initiate debit or credit entries to your bank account as applicable, to corred an error in the processing of such payment. You must tell us the amount of each payment or you can select an amount such as the Mnimum Payment Due or the New Balance on each statement. You can cancel a payrnertt however we must receive notice at (oust three business days in advance of the scheduled payment You may notify us by plane at 1.800.347-2683 or by mail at the address fisted in the pwhous paragraph. If your payments vary in amount, we will tell you on each monthly statement when you payment will be made and how much It will be. You automatic payment amount may be less than indicated on the monthly statement based on credits or payments applied during the billing cycle. Credit Reporting. We may report information about yaw 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 reporffikg agencies each month. t you believe that our report is Inaccurate or Incomplete, please write us at the ktfowirg address: Discover, PO Box 15316, Wilmington, DE 198505316. Please include your narne, address, home telephone number and Account number. Grace Period on purchases (at least 25 days). We begin b Impose Periodic Finance Charges on all transactions from de Transaction Date for the transaction as shown on your billing statement uniess a transaction is posted to your Account after the dose of the bdletg period in which it cxrxs. in which case vie begin to impose Perlortc Finance Charges on that transaction from the fast day of the biting period in which d is posted to your A cant. We continue to impose Periodic Finance Charges until the date you pay you entire New Balance, by making paymers or receiving credits. However. d you paid the New Balance on your previous billing statement by the Payment Due Date shown on that bON statement and you pay the New Balance by the Payment Due Date on your anent NON statement, we will not impose Periodic Finance Charges on new purchases, that is, purchases first appealing on the current billing statement. We call this the 'grace period! There is no grace period on balance transfers or cash advances. Minimum Finance Charge. We will large you a minimum FINANCE CHARGE of $50 for any biting period in which Periodic Finance Charges of less than $.50 voutd otherwise be imposed. Annual fee. I your Account has an annual fee, 5 will be billed at the beginning of each annW Wary year yourAccahut is open. The amount of to fee appears on the statement when the fee is billed. The annual fee is not refundable unless you nobly us that you wish to dose your Account within 30 days of the mailing or delivery date of the statement on which the fee is billed. You will receive this refund even if you use your Card during that period. Periodic Finance Charges. We sort your transactions into groups of purchases, cash advances, and balance transfers and then furdwr sort the tramcilki hs within each group by tisir Atun,at Percentage Irate. for example, purchases subject to a promotional rate and purchases subject to a standard rate would be separate groups. We refer to these groups as transaction categories. At the end of each b&V period, we compute balances and Periodic Finance Charges for each day of to billing period for each transaction category. We use the following equation to compute Periodic Finance Charges for each transaction category: (Average Daily Balance) fires (days in biting period) tines (Daily Periodic Rate). (You may refer to the finance charge summary on your biling statement for dese amounts.) Then we add up the Periodic Fiance Charges for each transaction category to get the total Periodic Finance Charges or your Account. The Average Dally Balance is shown as zero if because of the grace period, no periodic Finance Charges apply to the balance in a transaction category. We use the Average Daily Balance (indudrhg new transactions) method of calculating the balance upon wtiich we impose Periodic Finance Charges. We compute die Average Daily Balance for each transaction category by adding up all the daily balances in a billing period for a transaction category and dividing the total by the number of days in the billing period. We compute the daily balance for each transaction category on each day by first adding the following to the previous days daily balance: transactions with a Transaction Date of that day as shown on your billing statement unless the transaction is posted to yourAccount after the dose of the billing period in which t occurs, in which case the transaction will be added to is daily balance as of the first day of the biting period in winch it is posted to your Account, fees longed that day and Periodic Finance Charges accrued on the previous days daily balance; and by then subtracting any credits and payments that are applied against the balance of the transaction category on that day. In calculating the daily balance for the first day of the biting period, we consider the 'Previous day's daily balance to have been your balance far each transaction category on the last day of your previous billing period. All fees charged to your Account are added b is standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable balance transfer transaction category. When the special rate expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category. However, t to special rate has been terminated under the Default Rate section, we lave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges in the applicable balance transfer transaction category until the special rate would have expired. For TOD (Telecommunications Device for the Deaf) assistance, please call 14MO-347.7449. Discover may monitor and/or record telephone cans between you and Discover representatives for quality assurance purposes. The Discover" card is issued by Discover Bank, Member FDIC. OITBK171 i DISCOVER Closing Date: KATHY KNAUB Account number ending in 8200 page 2 of 2 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: January 27 Balance Previous Cashback Bonus Award Balance $ 20.38 Purchase Award This Period + 0.00 Cashback Bonus Award Total 20.38 Cashback Bonus Award Balance 20.38 Award Available to Redeem $ 20.38 Restrictions apply to th@ Cashback Bonus Partner offers visit Discover.com or call 1-800-DISCOVER (1-800-347-2683) for details. For program details, see the Cashback Bonus Program Terms and Conditions. DISCOVER New Balance Minimum Payment Du? Account Number ending in 8200 $11,769.28 $466,00 JJ Enter Amount Enclosed Below Payment Due Data $ December 22, 2009 Please make check payable to Discover Card. Minimum ant due includes a past due amount of $232.00. 27 SDSN6A01 0022192 KATHY KNAUB 165 SALEM CHURCH RD MECHANICSBURG PA 17050-2835 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 I11 111 11 1111111111nlurlll CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space I III I III I I I II II I I I II I I ` I II above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers, 000001986618140952214117692800000000046600 Discover More Card Account Summary Closing Date: November 27, 2009 page 1 of 1 Account number ending in 8200 Previous Balance $1 1,641.35 Payment Due Date December 22, 2009 Payments And Credits 0.00 Minimum Payment Due $466.00 Purchases + 75.93 Credit Limit $12,600.00 Cash Advances + 0.00 Credit Available $830.00 Balance Transfers + 0.00 Cash Credit Limit $6,300.00 Finance Charges + 52.00 Cash Credit Available $830.00 New Balance = $11,769.28 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 20.38 New Cashback Bonus This Period + 0.09 Cashback Bonus® Anniversary Month: January Cashback Bonus Balance $ 20A7 How Can We Help You? 1. Visit Discover.com to pay your bill for no cost, view our P latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) For fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us of Discover Card, PO Box 30943, For TDD (assistance 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 Merchandise/Retail Nov 13 Nov 13 LIGHTER SIDE* BRADENTON FL $ 26.96 Nov 13 Nov 13 LIGHTER SIDE* BRADENTON FL 6.98 Other/Miscellaneous Nov 23 Nov 23 WALLET PROTECTION 1 MO 888.802-9639 UT 2.99 Nov 23 Nov 23 LATE FEE 39.00 Information For You * ** ATTENTION *"* Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. 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 $11683.37 0.014369 5.24% V 5.24% $52.00 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $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 t FREE shipping. Personalize gift cards with names and messages. Many have matching greeting cardsl Save through 12x1 /09 - enter GIFT4 at DiscoverGiftCard.com Important Information. If there is more than one page to this billing statement, see the back of each page for additional important information. U) See your Cardmember AgreemenL Your Cardmember Agreement contains al the terms of your Account. Z Lost or stolen cards. Reportinmediatelyl Cal 1400347-2683. M o Billing Rights Summary. In Case of Ends or Questions About Your 801: If you fink your bill is wrong, or'dyou need more information about a transaction on your bill, write to us on a o separate sheel of paper at Discover, PO Box 30421, Salt Lake City, UT 84130-0421, as soon as possible. We must tear from you no later than 60 days after we sent you the first bill nn which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: • Your name and Account number. N The dollar amount of the suspected error. Describe the ens and explain, if yw can, why you believe there is an error. It you need more infamafon, descrbe the item you are unsure about You do not have to pay any amount in question while we are irrmfigafng, but you are stint obligated to pay the parts of your dal that are ON in question. While we investigate your question. we prat report you as delirhkprent or lake any action to collect the amount you question. Special Rule for Credit Card Purchases: It you have a problem with the quality of goods or services that you purchased with a credit card, and you have fried in good faith to correct #* 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 the purchase price was more than $50 and the purchase was made in your home state or within 100 miles of your melting address. (If we own or operate the merchant, or If we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Send only your payment and the op 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 you dheck to make an electronic fwd transfer from your amount at the financial institution indicated on your check or to process the payment as a check transaction. t payment is processed as an electronic hod transfer, the transfer will be or the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your aomum as soon as the am* stay we receive your payment, and you will not receive your check balk from your 111immi Institution. The processing of your payment may be delayed t you send cash, co respo darue or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided. Payments rice ved in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited to your Amount as of the not day. It you have misplaced your envelope, send your payment to Discover, PO Box 6103, Card, Stearn, IL 601971103: Please allow 7-10 days for delvery. If your payment is returned unpaid, we reserve the right to resubmit it as an electradc "L You can pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments. Cal us at 1.800.347.2683. You will need this statement and your bank account n6xmation, You must ensure that sulldertt hands are available in you bank amount, and all trarsad ohs must comply with U.S. law You will be asked to provide the first 5 digits of your account statement ZIP code. By entering thane numbers as your electronic signature, you will be agreeing to this autoviWkn to allow us and your bark to deduct each payment you authorize from your bank account, arid to initiate debit or credit entries to your bank account as applicable, to cored an error in the pocessing of such payment. You must, bet us the amount of each payment or you can select an amount such as the Mirirnun Payment Due or the New Batarice on each statement You can cancel a payment however we must receive notice M least dues business days in advance of the sdleduled payment You may notify usb y phone at 1-000.347-2683 or by mail atilhe address listed in the previous paragraph. If your payments vary in amount, we will tell you on each monthly statement when your payment will be made and how much it will be. Your automatic payment amount may be less than Indicated on the monthly statement based on credits or payments app6ad during the bung cycle. Credit Reporting, We may report inonmatim about your account to credit bureaus. Late payments, mfwd 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 morph. If you believe that our report is inacatate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 19850-5316. Please include your name, address, tame telephone number and Amount number. Grace Period on purchases (at kart 26 days). We begin to impose Periodic Finance Charges on all transactions from the Transaction Date for the transaction as sham on your billing statement uness a transaction is posted to your Account after the dose of the b&V period in which it occurs, in which case we begin to impose Periodic Fiance Charges on that transaction from the first day of the biting period in which t is posted to yourAcmunt We continue to impose Periodic Finance Charges until the date you pay you entire New Balance , by making payments or receiving credits. However, if you pail the New Balance on you previous billing statement by the Payment Due Date shown on that billing statement and you pay the NewBararxe by the Payment Due Date on you current billing statememl,we will rot impose Periodic Finance Charges on new purchases, that is, purchases first appearing on the current billing statement We call this Ihe'giace perktd' There Is no grace period on balance transfers or cash advances. Minimum Finance Charge. We wil charge you a minimum FINANCE CHARGE of $50 for any biding period in which Perlodlc Finance Charges of less than $.50 would otherwise be imposed. Annual Fee. If your Account has an annual fee, it will be billed at the beginring of each anniversary year you Account is open. The amount of the fee appears on the statement when the fee is toiled. The annual fee is not refundable unless you notify us that you wish to dose y+ourAccount within 30 days of the mating or delivery data of the statement on which the fees bided. You will receive this refund even t you use your Card during that period. Periodic Finance Charges. Nit sat your transactions into groups of purdwses, cash advances, and balance transfers and then further sort the transactions within each group by their A.hnual Percentage Rate. For example, purchases subject to a promotional rate arc purchases subject to a standard rate would be separate groups. We refer to these groups as transaction categories. At the end of each billing period, we compute balances and Periodic Finance Charges for each day of the biding period for each transaction category. We use the following equation to compute Periods Finance Charges for each transaction category: (Average Daily Balance) Imes (days in biting period) limes (Daly Periodic Rate) (You may refer o the finance charge summary on your billing statement for these amounts.) Then we add up the Periodic Finance Charges oreach transaction category to get the total Periodic Finance Charges for yourAccount. The Average Daily Balance is shown as zero if, because of the grata period, no periodic Finance Charges apply to the balance in a transaction category. We use the Average Daly Balance (including new transactions) method of calculating the balance upon which we impose Periodic Finance Charges. We compute the Average Daily Balance for each transaction category by adding up all the daily balances in a billing period fora transaction category and dividing the total by the number of days in the biing period. We compute the daly balance or each transaction category on each day by first adding the following to the previous day's daily balance: transactions with a Transaction Date of that day as shown on your billing statement, unless the transaction is posted to yo urAceamt after the close of the billing period in which l occurs, in which case the transacton will be added to the dalybalance as of the first day of the biting period in which his posted to your Acaunt, fees changed that day and Periodic Finance Charges accrued on the previous days daily balance; and by then subtracting any credits and payments that are applied against the balance of the transaction category on that day. In calculating the daily balance for the first day of the billing period, we consider the'timvious day's daily balance' lo have been your balance for each transaction category on the last day of your previous lading period. Al fees charged to your Amount are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable balance transfer transaction category. When the special rate exii we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Rnance Charges to the standard purchase transaction category . However, t the special rate has been terminated under the Default Rate section, we leave the unpaid balance of the balance transfer and the Balance TranslerTramsadion Fee Finance Charges in the applicable balance transfer transaction category until the special rate would have expired. For TDD (Telecommunications Device for the Dwd) assistance, please call 1100.347-7449. Disarmer may rnahior ardfor record telephone cats between you and Discover representatives to quality assurance purposes. The Discovervcard Is issued by Discover Bank, Member FDIC. OITBK171 DISCOVER' New Balance Minimum Payment Due 1 Account Number ending in 8200 $11,316.29 L$226.00 Enter Amount Enclosed Below Payment Due Date $ January 22, 2010 Please make check payable to Discover Card or pay oilme @ Discovercard.com. 27 SDSN6A01 0022193 KATHY KNAUB Tired of buying stamps? Go mobile! Make and schedule payments from your phone 165 SALEM CHURCH RD with the Discover app. Its fast and it's free. MECHANICSBURG PA 17050-2835 Download now atdiscover.com/apps PO BOX 71084 111 [11 11 11111 It 11 to 11111111111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space (1111)t1?ii111?1111?11?1?111)1))111111?t1111?111111111?1?11?1 above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986618140952214113162900000000022600 Discover More Card Account Summary Closing Date: December 27, 2009 page 1 of 1 Account number ending in 8200 Previous Balance $11,769.28 Payment Due Date January 22, 2010 Payments And Credits - 505.00 Minimum Payment Due $226.00 Purchases + 2.99 Credit Limit $12,600.00 Cash Advances h. 0,00 Credit Available $1,283.00 Balance Transfers + 0.00 Cash Credit Limit $6,300.00 Finance Charges + 49.02 Cash Credit Available $1,283.00 New Balance = $11,316.29 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance Si 20.47 New Cashbock Bonus This Period 0.00 Cashback Bonus Balance 96 20.47 ......................:........ Cashback BonusO Anniversary Month: January CONGRATULATIONS! Your Cashback Bonus(R) is waiting for you. Visit Discover.com or tail 1-800-DISCOVER (1-800-347-2683) to redeem. How Can We Help You? p 1. Visit Discover.com to pay your bill for no cost, view our latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347-2683) For fast, easy selkservice 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 8,4130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Dec 3 Dec 3 INTERNET PAYMENT - THANK YOU $ .266.00 Dec 4 Dec ,4 PHONE PAYMENT - THANK YOU -200.00 Dec 4 Dec 4 LATE CHARGE REFUND -39.00 Other/Miscellaneous Dec 23 Dec 23 WALLET PROTECTION 1 MO 888.802.9639 UT 2.99 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: 30 days Purchases $11380.75 0.01436% 5.24% V 5.24% $49.02 $0 Cash Advances $0 0.06299% 22.99% F 22.99% $0 $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 gik card - plus get FREE shipping. Personalize gift cards with names and messages. Many have matching greeting cards) Save through 12/31 /09 - enter GIFT4 at DiscoverGiftCard.com kriportant Information. N there is more than one page to this truing statement, see the back of each page for additional imprxtard information. W See your Cardmember Agreement Your Cardmember Agreement contains all the terms of yourAcomnt. co z Log or Mien cards. Report immedialefyl Call 1-60P347-2681 p Billing Rights Summary. In Case of Errors orOustions About Your Bill: If you think your big is wrong, or t you need more information about a transaction on your bill, write to us on a 0 o separate sheet of paper at Discover, PO Box 30421, Soft Lake City, UT 84130-0421, as soon as possible. We must hear from you no later than 60 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter. give us the fallowing information: N Your name and Account number. The dollar amount of the suspected error. Describe tin error and explain, N you can, why you believe there is an anon. If you creed 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 still obligated to pay the parts of your big that are not in question. White we investigate your question, we cannot report you as delinquent or lance any aeon to collect the amount you question. Special Rule for Credit Card Purchases: If you have a problem with the quality of goods or services that you purdiased with a credit card, and you have tried in good faith to correct the problem with the merchant, you may not have to pay ft remaining amount dare on the goods or services. You have this protection only when the purchase price was more than $50 and the purchase was made in your home state or within 100 miles of your maitirg address. (t we own or operate the merchant, or d we mailed you the advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Send only your payment aril 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 that financial institution indicated on your check or to process the payment as a check transaction. N payment is processed as an electronic fund transfer, the transfer will be fa the amount of the check When we use information from your check to make an electronic find transfer, funds may be withdravm from your accost as soon as the same day we receive your payment, and you wil not receive your check bad( horn your financial institution. The processing of your payment may be delayed C you send cash, correspondence or other Rams with your payment, if you send the payment to any other addressor t you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local terra on any day will be credited to your Account as of that day. Payments received at our piocessirg facility after 5PM local lime will be credited to your Account as of it* next day. If you have mispleoedyour envelope, send your payment to Discover, PO Box 6103, Carol, Stream, IL 60187.6103. Please ailow 7-10 days for delivery. lf your payment is returned unpaid, we reserve the right to resubmit it is ari ilectronic debit You can pay you mkdmtmn payment or a granter amount over the telephone, and you an set up automatic payments. Cali us at 1347-2683- You will need this statement and your bank account information. You must ensure that sufficient kinds are avaitable in your bank accoui t, and all transactions must comply with U.S. law. You will be asked to provide the first 5 digits of your account statement ZP code. By entering arose numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bard( to deduct each payment you authorize from your bank account, and to initiale debt or credit entries to you bank account, as applicable, to cored an error in the processing of such payment. You must tell us the amount of each payment or you an select an amount such as the Minimum Payment Due or the New Balance on each statement. You can cancel a payment however we must receive notice at least three business days in advance of the scheduled payment You may mdy us by phone at 1-800.347-2683 or by mail at the address listed In the previous paragraph. If your payments vary in amount we will tell you on each monthly statement when your payment will be made and how much it will be. Your automatic payment amount may be less Man indicated on the monthly statement based on credits or payments applied during the brig cycle. Credit Reporting. We may report informadmr abaft your account to credit bureaus. Law 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. N you believe that our report is inaccurate or incomplete, please write us at the blowing address: Discover, PO Box 16316, W nringfon, DE 198505316. Please include your name, address, tome telephone number and Amount number. Grace Period on Purchases (at (east 25 days). Vita begin to impose Periodic Firence Charges on all transactions from the Transaction Date for the transaction as shown on your M'Fng statement unless a transaction is posted to your Aaouit after the close of the dig peiriod in which it occurs, in which cane we begin to impose Periodic Finance Charges on that transacim from the fast day of the bft period in which it is posted b your Account We co finue to impose Periodic Finance Charges unit the date you pay your entire New Balance, by making payments or receiving credits, However, 9 you paid the New Balance on your previous telling statement by Cue Payment Due Date shown on Chat billing statement and you pay the New Balance by the Payment Due Date on your current billing statement, we will not impose Periodic Finance Charon on new Purchases, that is, purchases first appearing on the avert billing statement We call this the 'grace period' There is no grace period on balonce transfers or cash advances. Minimum Finance Charge. We will charge you a midmum FINANCE CHARGE of $30 for any billing period in which periodic Finance Charges of less than $.50 world otherwise be imposed. Annual Fee. N your Account has an annual fee, it will be bred at the beginning of each anniversary year your Account is open. The amount of the fee appears on the statement when Me fee is billed. The annual fee is not refundable unless you notify us Met you wish to dose yourAccormtwwthn 30 days of the mailing or delivery date of the statement on which tae fee is billed. You will receive Mis refund even if you use your Card during that period. Periodic Finance Charge& We sat your transactions Into groups of purchases, cash advances, and balance bansfers and then knew sot the transactions within each group by thar Annual Percentage Rate. For example puidnases sub)ed to a promotional rate and purchases subject to a standard rate would be separate groups. We refer to these groups as transaction categories. At the and of each bring period, we compute balances and periodic Finance Charges for each day of the billing period la each transacton categoy. We use the following equation to compute Periodic Finance Charges for each transactors category: (Average Daily Bat-) times (days in tiding period) rimes (Deily Periodic Rate). (You may refer to the finance charge summary on your billing statement for these amounts.) Then we add up the Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges for your Account, The Average Daily Balance is shown as zero ill, because of the grace period, no Periodic Finance Charges apply to the balance in a transaction alegory. We use the Average Daily Balance (ndudirg new transactions} method of calculating the balance upon which we impose Periodic Finance Charges. We compute the Average Daily Balance for each trasacton category by adding up all the daily balances in a tiigrg period for a transaction category and dividing the total by the number of days in the billing period. We compute the dairy balance for each transaction category on each day by first adding the following to the previous day's daily balance: transactions with a Transaction Dale of that day as shown on you billing statement, unless the transaction is posted to your Amount after the dose of the biting period in w t ich it occurs, in which case the transaction will be added to the daiy balance as of the test day of the billing period in which it is posted to you Account, fees charged that day and Periodic Finance Charges accrued on the previous days dairy balance; and by then subtracting any credits and payments that are applied against the balance of the transaction category on that day. In calculating the daily balance for the fast day of the tiling period, we consider Me *previous day's daily baaance' to have been you balance for each transaction category on the last day of your previous billing period. Alt tees charged to your Amount are added to the standard purchase Irarsacton category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable balance transfer transaction category. When the special rate expires, we move the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purcl ase transaction category. However, 0 the special rate has been terminated under the Default Rate section, we leave the unpaid balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges in the applicable balance transfer transaction category until the special rate would have expired. For TDD (Telecommunications Device for the Deal) assistance, please call 1400.'147.7449. Dicohrer may monitor "or record telephone cats between you and Discover representatives for quality assurance purposes The DismveF card is issued by Discover Bank, Member FDIC. OITBK171 New Balance Minimum Payment Du Account Number ending in 8200 DISCOVER $12,348.33 $247.00 Enter Amount Enclosed Below Payment Due Date $ February 22, 2010 Please make check payable to Discover Card or pay online @ Discovercard.com. 27 SDSN6A01 0022194 KATHY KNAUB Tired of buying stamps? Go mobile! Make and schedule payments from your phone 165 SALEM CHURCH RD with the Discover app. It's fast and it's free. MECHANICSBURG PA 17050-2835 Download now at discover.comlapps PO BOX 71084 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space ?,t(t((tt(ni(t((ut(a(t(nt?(((tet(n(n(n?(n(u(u(t(n(( above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986618140952214123483300000000024700 Discover More Card Account Summary Closing Date: January 27, 2010 page 1 of 2 Account number ending in 8200 Previous Balance $11,316.29 Payment Due Date February22, 2010 Payments And Credits - 261.25 Minimum Payment Due $247.00 Purchases + 1,240.19 Credit limit $12,600.00 Cash Advances + 0.00 Credit Available $251.00 Balance Transfers + 0.00 Cash Credit Limit $6,300.00 Finance Charges + 53.10 Cash Credit Available $251.00 New Balance = $12,34813 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 20.47 New Cashback Bonus This Period + 3.07 Cashback Bonus Balance $ 23.54 Cashback Bonus8 Since Anniversary Month January: $6.31 CONGRATULATIONS] Your Cashback Bonu3(R) is waiting for you. Visit Discover.com or call 1-800-DISCOVER (1.800-347-2683) to redeem. How Can We Hel You? 1. Visit Discover.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 1-800-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 Jan 15 Jan 15 INTERNET PAYMENT - THANK YOU $ -50.00 Jan 22 Jan 22 INTERNET PAYMENT - THANK YOU -200.00 Jan 22 Jon 24 QVC 363109928801 CREDIT 800-367-9444 PA -11.25 Merchandise/Retail Jan 11 Jan 11 QVC 363109928801 1 OF 3 800.367-9444 PA 18.20 Jan 1 l Jan 11 QVC 363109928802 800.367-9444 PA 29.11 Jan 11 Jan 11 JEWELRY TV *61864687 865-692-6000 TN 183.98 Jan 11 Jan 11 JEWELRY TV *61864757 865-692-6000 TN 133.98 Jan 11 Jan 11 JEWELRY TV *61867326 865-692.6000 TN 133.98 Jan 12 Jan 12 JEWELRY TV *61864683 865.692.6000 TN 188.73 Jon 12 Jan 12 JEWELRY TV *61867061 865-692.6000 TN 158.73 Jan 12 Jan 12 JEWELRY TV *61867065865.692.6000TN 73.98 Jan 12 Jan 12 JEWELRY TV *61940342 865-692-6000 TN 67.51 Jan 13 Jan 13 JEWELRY TV *61952143 865.692-6000 TN 33.98 Jan 13 Jan 13 JEWELRY TV *61940865 865-692-6000 TN 67.51 Jan 14 Jan 14 JEWELRY TV *61952057 865.692-6000 TN 47.51 Giber/Miscellaneous Jan 24 Jan 24 WALLET PROTECTION l MO 888-802.9639 UT 2.99 Services Jan 12 Jan 12 INSPIRATION NETWORKS, 803-578-1899 NC 100.00 2905269*20100111 Save time. Pay your bill online. It's easy, convenient, secure and free. Just log in or register at the Account Center on Discover.com and your payment will be posted the same business day - up to 5 pm Eastern time. Important Information. If there is more than one page to this biding statement see the back of each page for additional important information. See your Cardrtrember Agreement Your Cardmember Agreement contains all the teems of your Am wnl. Lost or stolen cards. Report immediately! Call 1.6903474663, Billing Rights Swnmery. In Case of Evers or Questions About Your Bit If you think your bid is wrong, or it you need more information about a transaction on your bill, write to us on a separate sheaf of paper at Discover, PO Box 30421, Sall Lake City, UT 8413D-0421, as soon as possible. We must hear from you no later than 80 days after we sent you the first bill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the frollowing information: Your name and Accaaet number. The dollar amount of the suspected error. Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the keen you are unsure about You do not have to pay any amount in question while we are investigating, but you are still ohiigaled 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 col lect 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 rred8 card, and you have tried in good faith to correct the problem with the merchant, you may not have to pay the remah tq amount due on the goods or services. You have the protecdon a* when fine purchase pike was more than $50 and the purchase was made in your home state or within I OD miles of your making address. (if we own or operate the merchant, or k we malted you the advertisement for the, goods or services, all purchases are covered regardless 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 rash. By sending your died as described above, you authorize us to use information on your check to make an electronic fund Wagee ban your account at the financial institution inccaled on your dhedt or to process the payment as a dheck transaction. If payment is processed as an electronic fund transfer, the transfer will be for the amoum of foe check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your amount as soon as the same day we receive your payment, and you will not receive your diede back from yorfinancial instkhtion, The processing of your payment may be delayed k you send cash, correspondence or other items with your payment, 0 you send the payment to any other address or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be cradiled to your Acca nt as of that day. Payments received at our processing facility after 5PM local lime will be credited to you Account as of the next day. if you have misplaced your envelope, send your payment to Discover, PO Box 6t03, Card, stream, IL tI197.61t'13.'Please allow 7-10 days for delivery. N your payment is returned unpaid, we reserve the right to reshibmilil as an elecicirk debit You can pay your minimum payment or a grealeramont over the telephone, and you can setup automatic payments. Callus at 1-90.347-2683. You wl need this statement and your bank acoouM information. You mist ensure that sufficient funds are available in your bank account, and all transactiahs must cmnpiy with U.S. law. You will be asked to provide the first 5 digh of yaw accamt statement ZIP code. By entering those numbers as your aectronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize from your bank account and to Wdate debit or credit entries to your bank account, as appkcabe, to cared an error in the ptaoesslg of such payment You must led us the amoiet of each payment or you can select an amount such as the Minimum Payment Due or the New Balance of each statement. You can cancel a payment; however we must receive notice at least three business days in advance of the scheduled payment. You may notify ors by phone at 1-WO-,'i47-2603 or by mail at the address listed in the previous paragraph. If your payments vary in amount, we will tell you on each monthly statement when your payment will be made and how much it will be. Your automatic payment amount may be less than indicated on the monthly statement based on credits or payments applied during Me Wiling cycle. Credit Reporting. We may report information about your account 10 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. It you believe that our report Is inaccurate or incomplete, pease write us at the following address: Discover, PO Box 15316. Wilmington, DE 198505316. Please include you name, address, home telephone mmbef and Accost number. Grace Period on purchases (at feast 25 days), Noe begin to impose Periodic Finance Charges on all transactions from the Transaction Date for the transaction as shorn on your Wing statement, unless a transadkn is posted to yew Account after the dose of the bang period in which a occurs, in which case we begin to impose Periodic Finance Charges on that transaction from the first day of the bitting period in which k is posted to your Account. We caalwe to impose Periodic France Charges until the date you pay your entire New Balance, by making payments or receiving credits. However, if you paid the New Balance on your previous billing statement by the Payment Due Date shown on that biding statement and you pay the New Balance by the Payment Due Date on your current brig statement, we will not impose Periodic Finance Charges on new purchases, that is, purchases first appearing on the current baling statement We call this the 'grace period' There's no grace period on balance transfam a cash advances. Minimum Finance Charge. We will charge you a minimum FINANCE CHARGE of $50 for any biding period in which Periodic Finance Charges of less than $.50 would otherwise be imposed. Annual Fee. If your Account has an annual fee, it will be billed at the beginning of each anniversary year your Account is open. The amount of the fee appears on the statement when the fee is billed. The annual fees not refundable unless you notify us that you wish to close your Account wilhm 30 days of the malting or delivery date of the statement on which the fee is bided. You will receive this refund even if you use your Card during that period. Periodic Finance Charges. We son your transactions into groups of purchases, each advances, and balance transfers and then further sat the transactions within each group by their Astnuai Percentage Rate. For example, purchases subject to a promdionai rare and purchases subject to a standard rate would be separate grays. We refer to these groups as transaction categories. At the end of each biking period, we compute balances and Periodic Finance Charges for each day of the billing period for each transaction category We use the (of lov g equation to compute Periodic Finance Charges for each transaction category: (Average Daily Balance) times (days in billing period) times (Daily Periodic Rate). (You may refer to the finance charge summary on your biding statement for these amounts.) Then we add up the Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges for your Account. The Average Daily Balance is shown as zero a, because of the grace period, no periodic Finance Charges apply to the balance hn a transaction category . We use the Average Daily Balance (including new transactions) method of calcAabog the balance upon which we impose Periodic Finance Charges. We compute the Average Daily Balance for each transaction category by adding up ad the daily balances in a billing period for a transaction campy and dividing the total by the number of days in the biding period. i We compute the daily balance for each transaction category on each day by first adding the following to the previous day's daily balance: transactions with a Transaction Date of that day as sham on your biking statement unless the transaction is posted to your Account after the dose of lire 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 biding period in which it is posted to your Account, fees charged that day and Periodic Finance Charges accrued on the previous day's daily balance; and by then subtracting any credits and payments that are applied against the balance of the transaction category on that day, 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 baance for each transaction category on the last day of your previous hiding period, AD fees charged to yourAccount are added to the standard purchase bansactiau category, with the exoVrw of Cash Advance Transaction Fee Finance Charges whfch are added to the applicable cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable balance transfer transaction category. When the special rate expires, we move the unpald balance of the balance transfer and the Balance Transfer Transaction Fee Finance Charges to the standard purchase transaction category. However, if the special rate has been terminated under the Default Rate section, we leave the unpaid balance of the balance transfer and the Balannce Transfer Transaction Fee Finance Charges in the applicable balance transfer transaction category nail the special rate would have expired. For TDD (Telecommuniratons Device for the Deaf) assistance, pease call 1800.347-7449. Discover may monitor and/or record telephone, calls between you and Discover representatives for quality assurance purposes. The Discover' cacd is issued by Dscover Bank, Member FDIC. 01T8K171 ce 0 ce Z m a 0 0 N A DISCOVER ElPays l 10 KATHY KNAUB Account number ending in 8200 SCR - -- 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 Discover.com/paperless and sign up for Paperless Statements today. 92010 Disco.-or Bonk, Member FDIC PPRGRN.0810 Closing Date: January 27, 2010 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 . CHARGES current billing period: 31 days Purchases $11928.93 0.01436% 5.24% V 5.24% $53.10 $0 Cash Advances $0 0.06573% 23.99% V 23.99% $0 $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 FMinimum Payment Du Account Number ending in 8200 l d $11,525.13 $231.00 Enter Amount Enclose Be ow Payment Due Date $ March 22, 2010 Please pay online 0 www,Discover.com or make check payable to Discover. Y 27 SDSN6AOt 0022195 Tired of buying stamps? Go mobile! Make KATHY KNAUB and schedule payments from your phone 165 SALEM CHURCH RA with the Discover app. its fast and it's free. MECHANICSBURG PA 17050-2835 Download nowatd+scovercom/apps PO BOX 71084 111 urllnxulrllnrlnrlll CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? IrrISIIIiltnli?(minltiuillllutluin?Ir?Iultt{n{rInII Go to www.Discovor.com or print change in space above. 000001986618140952214115251300000000023100 Dpening Date, junuary Its, Aviv - hosing uare; rear Discover More Card Account Summary Account number ending in 8200 Previous Balance $12,348.33 Payments And Credits 1,024.94 Purchases + 148.46 Balance Transfers + 0.00 Cash Advances + 0.00 Finance Charges + 53.28 Other Fees t + 0.00 New Balance 11,525.13 See Finance Charge Summary section following transactions for detailed APR information Credit Line $12,600.00 Credit Line Available $1,074:00 Cash Advance Credit Line $6,300,00 Cash Advance Credit Line Available $1,074.00 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. Ca5 back BonuSe Anniversary Month January Opening Cashback Bonus Balance $ 23.54 New Cashback Bonus This Period + -1.55 Cashback Bonus Balance $ 21.99 To learn more, log in at www.Discover.com and elect Rewards 3 Easy Ways to Contact Us 1. Access your account securely at www.Disco"r.com 2. Call 1.800-DISCOVER-(1-800.347-2683) Please have your Discovervcard 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. uarv 27.2010 page 1 of 2 Payment Information New Balance $11,525.13 Minimum Payment Due $231.00 Payment Due Date March 22, 2010 Late Payment Warning; If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $39.00 and your purchase APRs for new transactions may be increased up to the Default APR of 10.24% 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; i MNR Only the minimum 14 years $14,429 payment $347 3 years 1 12,480 (Savings - $1,949 ) 1 If you would like information about credit counseling services, call 1-800-347-1121. Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to ay 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! Access your account securely through your mobile phone Transactions Trans. Post Date Date Payments and Credits Feb 8 Feb 10 JEWELRY TV *62337299 865-692.6000 TN $ -129.99 Feb 8 Feb 10 JEWELRY TV *62337552 865-692-6000 TN .179,99 Fab 8 Feb 10 JEWELRY TV *62338245 865-692.6000 TN -59.99 Feb 8 Feb 10 JEWELRY TV *62338642 865-692-6000 TN -69.99 Feb B Fab 10 JEWELRY TV *62338900 865-692.6000 TN -149.99 Feb 8 Feb 10 JEWELRY TV *62339631 865-692-6000 TN -179.99 See reverse side. DISCOVER Important Information. If there is more than one page to this billing statement, seethe bade of each page for additional important information. See your.CardmemberAgreemenL Your CardmemberAgreement contai s all the terms of your Account, Lost or stolen cards. Report immediately! Call 1.600347.2683. Billing Rights Summary. M Case of Errors or Questions About Your Bin: If you plink 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 8413M2 1, as soon as possible. We most hear from you no later than 60 days after we sent you the first brill on which the error or problem appeared. You can telephone us, but doing so will not preserve your rights. In your leW, give us the following information: Your name ardAocourt number. The dollar amount of the suspected error. Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are unsure about. You do not have to pay any amount in question while we are investigating, but you are slid obligeled to pay the parts of your bit that are not in question. While we kwesfigate your 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 hire a problem with the quality of goods or services that you purchased with a credit card, and you have tried in good team to correct the problem with the merchant, you may not have to pay the remaining amamt due on the goods or services. You have this protection only when die purchase price was more than $50 and the purchase was made in your home state or wi6hm 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, ad purchases are covered regardless of the amount or location of purchase.) Poymerds. Stud ordy your payment and the fop pardon of this statement in the envelope provided. Do net send cash. By sending your check as described above, you author ze us to use information on your check to make an electronic fund transfer from yea 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 dw-k- When we use in1omtali0n 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 w I not receive your check back from your fatandat institution. The processing of yew payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any otter address or if you use an envelope other than the one provided, Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day. Payments received at our pcocessi g facility after 5PM focal 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 retumed unpaid, we reserve the right to resubmit it as in electronic debit. You can pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments. Call us at 1-800-347-20. You will need this statement and your thank account information. You must ensure that sufficient funds are available in your bar* account, and all transactions must comply with I.I.S. lave You will be asked to provide the first 5 digits of your account statemevd ZIP node. By entering those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize from your bank account, and to ini axle debit or credit entries to your bank account, as applicable, to correct an error In the processing of such payment. You must tell us the amount of each payment or you can select an amount such as the Minimum Payment Due or the New Balance on each statement You can cancer a payment; however we must receive notice at least three business days tin advance of the scheduled payment. You may notify us by plane at 1-80D-347.2683 or by mat at fie address fisted In the previous paragraph. If your payments vary in amount, we will tell you on each monody statemeni when your payment will be made and how much it wild be. Your automatic payment amount may be less than indicated on the monthly statement based on credits or payments applied during the biting cycle. Credit Reporting. We may report information about your Account to credit bureaus, late payments, missed payments, or otter defaults on yourAeootent may be reflected in your credit report. We normally report the stalus and payment history of yourArmunt to credit reporting agencies each month. It you believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wiininglan, DE 196505316. Please include your row, address, home telephone number and Account number. Grace Period on Purchases (at least 25 days). We begin to impose Periodic Finance Charges on ad transactions kern the Transaction Date for the transaction shown on your billing statement, unless a transaction is posted to your Account after the dose of the billing period in which it occurs, in which case we begin to impose Periodic Finance Charges on that transaction from the first day of the U14 period in which it is posted to your Account We continue to impose Periodic Finance Charges until the dole you pay your erelre New Balance shown on your tiding statement by making payments or receiving credits. However, If you paid the New Balance on your previous billing statement by ore Payment Due Date shown on !lint biting Statement we will not Impose Periodic Finance Charges bn new purchases, that is, purchases first appearing on the rsrrrent doing statement, or any portion of a new purchase. paid by the Payment Due Data on your current billing statement We call this the'grace period.' There is no grace period on balance transfers or cash advances. As more fully described in the section of your Cardmernberpgreeme nt Wed 'How We Apply Payments; we generally apply payments to your Account based on theAmand Percentage Rate applicable to the balance of each transaction category. This means that ri you do not pay the New Balance on the current dlWg statement by the Payment Due Date shown on that hiing statement, then, depending on the amount of your payment and the Annual Percentage Rates on other balances, you may not get a grace period on new purchase;. Minimum Finance Charge. We wit change you a rnnininaan FINANCE CHARGE of 550 for any billing period in which Periodic Finance Charges of less than $30 would otherwise be imposed. Annual Foe. 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 bided. The annual lee 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 tr billed. You will receive iris refund even of you use your Card during that period. Periodic Finance Charges. We sort your transaction into groups of purchases. cash advances, and balance transfers and then further sort the transactions whin each group by their Annual Percentage Rate. For example, purchases sub*t to a promotional We and purchases subject to a standard rate would be separate groups. We refer to these groups as transaction categories. At the end of each billing period, we compute balance and Periodic Finance Charges for each day of the billing period for each transaction category. We use the following equation to compute Periodic Finance Charges for each transaction category: (Average Daily balance) ti mes {days in biding period) dories (Daly Periodic Rate). You may refer to the Finance Charge Summary on your billing statement for these amounts. Then we add up the Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges far your Account. The Average Daily Balance is shown as zero it, because of the grace period, no Periodic France Charges apply to the balance in a transaction category, The Daily Periodic Rate is 1/365th of the corresponding Annual Percentage Rate. We use the Average Daly Balance (including new transactions) method of calculating the balance upon which we morose Periodic finance Charges. We carpals tie Average Daily Balance for each transacion category by adding up all the daily balances in a billing period for a transaction category and dividing the total by the niumber of days in the b0ing period. We corrpule the daily balance for each transaction category, on each day by first adding the fodawvtg to the previous day's daily balance: transactions with a Transaction Dale of that day as shown on yon biding statement, unless the transaction is posted to you Account after the dose of the billing period in which it occurs, in which case the transaction will be added to die daily balance as of the first day of the billing period in which it is posted to yourAccount fees charged that day and Periodic Finance Charges accrued on the previous day's daily balance; and by then subtracting any credits and payments that are applied against the balance of the transaction calegayon that day In calculating the daily balance for the first day of the billing period, we consider the 'previous day's daily balance to have been your balance for each transaction category on the last day of your previous billing period. All fees charged to your Account are added to the standard purchase traruction category with the exception of Cash Advarxre Transaction Fee Finance Charges which are added to the applicable cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable balance transfer transaction category. For TOO (Telecommunications Device for the Deaf) assistance, please call 1804347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. 02010 The Discovers card is issued by Discover Bank, Member FDIC PA0210 DISCOVER. EPKATHYKN E Account nummbbe er ending in 8200 page 2 of 2 Transactions Trans. Post Date Date Payments and Credits Feb 18 Feb 18 INTERNET PAYMENT - THANK YOU -255.00 Merchandise Feb 1 Feb 1 JEWELRY TV "62306624 865.6926000 TN 67.51 Feb 1 Feb 1 JEWELRY TV '62307394 865-692.6000 TN 33.98 Feb 2 Feb 2 JEWELRY TV '62306866 865-692.6000 TN 43.98 Other/Miscellaneous Feb 23 Feb 23 WALLET PROTECTION 1 MO 888.802-9639 UT 2.99 Finance Charge Summary Nominal Other Averoge Daily ANNUAL ANNUAL Periodic Fee current billing period: 31 days Daily Balances Periodic PERCENTAGE PERCENTAGE Rates RATES _ RATES FINANCE FINANCE CHARGES CHARGES Purchases $11,971 .03 0.01436% 5,24% V 5.24% $53.28 $0 Cash Advances $0 0.06573% 23.99% V 23.99% $0 $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. Questions? Visit www.Discover.com or Coll 1-800-DISCOVER (1-800-347-2683. DISCOVER New Balance Minimum Payment Du? DISCOVER 512,370.89 $248.00 Payment Due Date April 22, 2010 27 SDSN6AOt 0022196 KATHY KNAUB 165 SALEM CHURCH RD MECHANICSBURG PA 17050-2835 PO BOX 71084 Illrroil rrfill lIII rlit tIII CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? ?ttl,llttlrtrltlltrtlttlrlttrlllltrtltrlrrlttllttlttlttlr?trll Go to www.Discover.com or print change in space above. Accounl Number ending in 8200 Enter Amount Enclosed Below $ 1 7:1 Please pay online @ www.[)iscover.com or make check payable to Discover. Tired of buying stamps? Go mobile! Make and schedule payments from your phone with the Discover app. trs fast and it's free. Download now at dlscovercom/apps 000001986618140982214123708900000000024800 ch 27, 2010 Page 1 of 2 upemng uate: reoruaryzu, zv i v - %.iosing uare. mo Discover More Card Account Summary Account number ending in 8200 Previous Balance $11,525.13 Payments And Credits 369.97 Purchases + 1,166.30 Balance Transfers + 0.00 Cash Advances + 0.00 Finance Charges + 49.43 Other Fees t + 0.00 New Balance 12,370.89 See Finance Charge Summary section following transactions for detailed APR information Credit Line $12,600.00 Credit tine Available $229.00 Cash Advance Credit Line $6,300,00 Cash Advance Credit Line Available $229.00 You may be able to avoid Periodic Finance Charges, see the reverse side for details. I t See transaction detail for a description of any Fees Cashback Bonue Anniversary Month January Opening Cashback Bonus Balance $ 21.99 New Cashback Bonus This Period + 2.59 Cash6ock Bonus Balance $ 24.58 To learn more, log in of www.Discover.com and select Rewards 3 Easy Ways to Contact Us I . Access your account securely at www.Discover.com 2. Call 1-800-DISCOVER 11-8(0-347-26831 Please have your Discover® 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 cal) 1.800-347-7449. Payment Information New Balance $12,370.89 Minimum Payment Due $248.00 Payment Due Data April 22, 2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $39 00 and your purchase APRs for new transactions may be increased up to the Default APR of 10.24% 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: ry yam} 34ixr'.e'',`Ei3EiiAtt•;•i 0,10 • Lt:?!!c`J o or.f .`;ii:;c. ? to r ?r .? , . ;3 ' .; > M:.:..::..: :i...:... ..: .....:.as .. .R..:;inssy:SS",'• <::'? Only the minimum 14 years $15,516 payment $372 3 years 13,396 (Savings = $2,120 If you would like information about credit counseling services, call 1-800-347-1121. Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create o plan to ay down your balance, securely access sio*nents, pay_ bills online and easily track all transoctions 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 Mar 2 Mar 4 JEWELRY TV '62763486 865-692-6000 TN $ -29.99 Mar 2 Mar 4 JEWELRY TV '62763471 865-692.6000 TN -39.99 Mar 2 Mar A JEWELRY TV *62763d73 865-692-6000 TN -59.99 Mar 10 Mar 10 PHONE PAYMENT - THANK YOU -50.00 Mar 22 Mar 22 INTERNET PAYMENT - THANK YOU .190.00 Merchandise Mar 1 Mar 1 JEWELRY TV *62775659 865-692.6000 TN 107.50 See reverse side. DISCOVER Important Information. If there is more than one page to this billing statement, seethe back of each page for additional important information. cn See your Cardimember Agreement. Your Cardmember Agreement contains all the terms of your AcawnL ca z Lost or stolen cards. Repent immediately! Calf 1 ?0 347-2663. D 0 Billing Rights Summary. In Case of Errors or Questiats About Your Big: If you drink your bill is wrong, or if you need more information about a transaction on your bill, write to us on a o separate sheet of paper at Discover, PO Box 30421, Sell Lake City, UT 841360421, as soon as possible. We must hear from you no later then 60 days ate we sent you the first bill on to whiO the error or probtem appeared. You can talephme its, but doing so will not txesslve your rights. In your later, give us the fdim" hfonnation: N Your name and Account number. m • The dollar amount of the suspected error. , m Describe the error and explain, 9 you can, why you believe there is an error, If you need more informaton, describe the item you are unsure about `r You do not have to Many amount in question while mare investigating, but you are slits obdgaled to pay the pans of your bill that are not in question. White we investigate your question, we cannot report you as delinquent or lake any action to collect 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 tried in good faith to correct 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 the purchase price was more than $50 and the purchase was made in your have stale or within 190 miles of your mailing address. (If we own or operate the merchant, or if we mailed you the advertisemerit for the goods or services, 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 yours heck as described above, you auth nze us to use information on your check to make an decironic funnd transfer frmm your account at the frraannciat 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 ft check. When we use infomlatim from your check to make an electronic fund transfer, funds may be vdthdtavm from your account as soon as the same day we receive your payment, and you vdg sot teceive your check badkicom your fnandaf fnsfihstm. The processing of your payment may be delayed if you send cash, oomespondence or other items with your payment, it you sand the payment to any other address or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local tine on any day w it be credited to yourAccount as of that day. Payments received at our processing faddy attar 5PM local time 41 be credited to your Account as of the nextday. If you have misplaced your en volope, send your payment to Discover, PO Box ' 6103, t,aiiit Stream; IL 60197-6103. Please aMdw 7-10 d8ys to delivery. If your payment is tetiniried unpaid, we reserve the tight to resublriiid as an electronic iiedf. You can pay your mirdmum paymentor a greater amount over the telephone, and you can set up automatic payments. Call us at 1.800 747-2663. You will need this statement and your bank account inf xmation. You must ensure Nat sufficient funds are available in your bank acawnt, and all Wrisactiats must comply with U.S. few! You will be asked to provide the first 5 digits of your account statement ZIP code. By entering those numbers as youreleclronic signature, you will be agreeing to this authorization to alloy its and your hank to deduct each payment you authorize from your bank account, and to ingrate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You must tell us the amount of each payment or you can select an amount such as the Kr mL*m Payment Due or the New Balance on each statement. You an cancel a payment; however we must receive notice at least three business days in advance of the scheikded payment. You may notify us by phone at 1400-347-2683 or by mail at the address listed in the previous paragraph, if your payments vary in wont, we will tell you on each monthly statement when your payment vvd be made and how much it will be. Your automatic payment amount may be less than Indicated on the monthly statement based on credits or payments applied during the billing cycle. Credit Reporting, We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on yourAccou t may be reflected in your credit report, We normalry, report the stales and payment history of yourAceount to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please whie us at the following address: Discover, PO Box 15316, Wilmngl n, DE 198505316. Please include your name, address, home telephone number and Account number. Grace Period on Purchases (at least 23 days). We begin to impose Periodic Finance Charges on all transactions from the Transaction Date for the transaction shown on your billing slakaneM, urtess a transaction is posted to yon Account after the dose of the billing period in which t occurs, in which case we bean to impose Periodic Finance Charges on that transaction from the first day of the billing period in which t is posted to your Account. We continue to impose Periodic Finance Charges until the date you pay your entire New Balance shown on your Ming statement by making payments or recelving credits. However, if you paid the New Balance on your previous billing statement by the Payment Due Date shown on that hMing staement we will no impose Periodic Finance Charges on now purchases, that is, purchases first appearing on the current billng statement, or any portion of a new purchase, paid by the Payment Due Date on your current billing statement We all this the -grace period' There is no grace period on balance transfers or cash advances. As more fully desrnDed in the section of your CardmemterAgreement titled 'How We Apply Payments' we generally apply payments to WAmount based on the Annual Percentage Rate app ioable to the balance of each transaction category. This means that if you do not pay the New Balance on the current billing statement by the Payment Due Date shown on that billing statement, then, depending on the amount of your payment and the Annual Percentage Rates on other balances, you may not get a grace period on new purchases. Minimum Finance Charge. We will charge you a mikmm FINANCE CHARGE of $.50 for any billing period in which periodic Finance Charges of less ihm $.50 wood otherwise be imposed. Annual Fee. If your Account has an annual fee, it will be biped at the beginning leach anniversary year your Account is open. The amount of the fee appears on the statement when the fee.is b, W. The annual fee is no! reli mdai a unlessyou notify us that you wish to. dose your Account within 30 days of the mailing or deli very date of the statement on which the fee is billed. You will receive this refund even t you use your Card during that period. Periods Finance Charges We sat your transactions into grmps of purchases, cash advances, and balance transfers and then further sat The transaciiorhs within each group by theirAmual Percentage Rath. For example purchases subject to a promodond rate and purchases subject to a standard rate would be separate groups. We refer to these groups as transaction categories. At the and of each billing period, we compute balances all Periodic Finance Charges for each day of the billing period for each transaction category. We use the fdlowirg equation to compute Periodic Finance Charges for each transaction category: (Average Daily Balance) )irons (days in billing period) tines (Daily Periodic Rate). You may refer to the Finance Charge Summary on your billing statement for these amounts. Then we add up the Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges for WAccount. The Average Daily Balance is shown as zero if, because of the grace period, no Periodic Finance Charges apply to the balance in a transaction category. The Daily Periodic Rate is 11365th of the corresponding Annual Percentage Rate. We use the Average Daily Balance (including new transactions) method o(calculating the balance upon which we impose Periodic Finance Charges. We compute the Average Daily Balance for each transaction category by adding up all the daily balances in a billing pedod fa a transaction category all dividing One total by the number of days in the billing period, We compute the daily balance for each transaction category on each day by first adding the following to the previous days daily balance: transactions with a Transaction Date of that day as shown on your biting statement, unless the transaction is posted to your Accorht after the dose of the billing period in which it occurs, in which case the transaction will be added to the daily balance as of the fist day of the billing period in which it is posted to your Ammi, lees charged that day and Periodic Finance Charges accrued or the previous day's daily balance,, and by then subtracting any credits and payments that are applied against the balance of the transaction category on that day. In calculating the d* balance for the first day of the billing period, we consider lhe'previous day's daily balance' to have been your balance for each transaction category on the last day of your previous bli g period, All fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which are added to the applicable baharoe transfer transaction category. For TDD (Telecommunications Device for the Deaf) assistance, please call 1-81110,34T.7449. Discover may monitor "or retard telephone oak between you and Discover representatives for quality assurance purposes, tO10 The L uscovee card is issued by Discover Bank, Member FDIC PA0210 DISCOVER 4 itP°Ys?o KATHY KNAUB L DISCOVER- Account number ending in 8200 page 2 of 2 Transactions Trans. Post Date Date Merchandise Mar 2 Mar 2 JEWELRY TV *62776473 865.692.5000 TN $ 53.98 Mar 3 Mar 3 RED*ENVELOPE COM 877-733.3683 CA 127.39 72385822962VZC2Y Mar 1 1 Mar]] CELEBRATE EXPRESS.COM NEW BERLIN WI 5.54 Mar 11 Mar 11 CELEBRATE EXPRESS.COM NEW BERLIN WI 50.80 Mar 17 Mar 17 THEASPENSHOPS.COM DULUTH GA 92.02 Mar 18 Mar 18 SERVANT'S HEART GIFTS & CAMP HILL PA 80.77 Mar 25 Mar 25 TOYSRUS•BABIESRUS 800-TOYSRU5 PA 44.51 Other/Miscellaneous Mar 23 Mar 23 WALLET PROTECTION 1 MO 888.802.9639 UT 2.99 Gasoline Mar 2 Mar 2 SAC SHOP #9 NEW CUMBERLANPA 600.80 Finance Charge Summary Nominal Other Average Daily ANNUAL ANNUAL Periodic Fee current billing period: 28 days Daily Balances Periodic PERCENTAGE PERCENTAGE Rates RATES _ RATES FINANCE FINANCE C ES CHARGES Purchases $12,294 .47 0.01436% 5.24% V 5.24% $49.43 $0 Cash Advances $0 0.06573% 23.99% V 23.99% $0 $0 V = Variable Rate Information For You Save time. Pay your bill online. It's easy, convenient, secure and Free. Just log in or register at the Account Center on Discover.com and your payment will be posted the same business day - up to 5 pm Eastern time. Go paperless and make your account information more secure with password-protected statements only you can access. Learn more at discover.com/papedess. Questions? Visit www.Discover.com or coil 1-800-DISCOVER (1-800-347-2683). DISCOVER DISCOVER` 27 SDSN6A01 0022197 KATHY KNAUB 165 SALEM CHURCH MECHANICSBURG PA New Balance IM ;nimUm Payment L)u Account Number ending in 8200 $12,372.86 $248.00 Enter Amount Enclosed Below Payment Due Date $ [- May 22, 2010 Pay online at www.Discover.com or make check payable to Discover. Phone and intereet payments must be made by 5:00pm ET for same day posting. RD 17050-2835 Address, e-mail or telephone change? Go to www.Discover.com or print change in space above. 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.oom/apps PO BOX 71084 II11u11wn11111n111n111 CHARLOTTE NC 28272-1084 1till lit%lilt 111111111111[oil 111ir111u11111111111r11III III III 00000198661811+0952214123728600000000024800 Date: March 28, 2010 - Ctosing Date: Discover More Card Account Summary Account number ending in 8200 Previous Balance $12,370.89 Payments And Credits 299.99 Purchases + 207.21 Balance Transfers + 0.00 Cash Advances + 0.00 Finance Charges + 55.75 Other Fees t + 39.00 New Balance 12,372.86 See Finance Charge Summary section following transactions for detailed APR information Credit Line $12,600.00 Credit Line Available $227.00 Cash Advance Credit Line $6,300.00 Cash Advance Credit Line Available $227.00 I 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 Coshback Bonue Anniversary Month January Opening Cashback Bonus Balance $ 24.58 New Cashback Bonus This Period + 0.39 Cashback Bonus Balance $ 24.97 To learn more, log in atwww.Discover.com and sled Rewarda 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 84 f 30 For TDD Felecommunicatiom Device for the Deaf) assistance, please call 1-800.347-7449. !7, 2010 page 1 of 2 Payment Information New Balance $12,372.86 Minimum Payment Due $248.00 Payment Due Date May 22, 2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $39.00 and your purchase APRs for new transactions may be increased up to the Default APR of 10.24% 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: Min Only the minimum 14 years $15,517 payment $372 3 years 13,395 (Savings a $2,122 If you would like information about credit counseling services, call 1-800.347.1121. Manage Your Account Online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down.your balance, securely.occess 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 Date Date Payments and Credits Apr 15 Apr 18 JEWELRY TV *63541296 865.692-6000 TN $ .49.99 Apr 23 Apr 23 PHONE PAYMENT - THANK YOU -250.00 Merchandise Mar 26 Mar 28 TOYSRUS-BABIESRUS 800-TOYSRUS PA 30,11 Mar 26 Mar 28 TOYSRUS-BABIESRUS 800-TOYSRUS PA 67.81 Mar 26 Mar 28 ORIENTAL TRADING CO OMAHA NE 38.93 Mar 26 Mar 28 ORIENTAL TRADING CO OMAHA NE 11.98 See reverse side. DISCOVER Important Information. If there is more than one page to this billing statement, see the back of each page for additional importmd information. See your Cardmember Agreement. Your CardrnemberAgreement contains all the terms of your Account Lost or stolem cards. Repot immediately! Call 1-M-347.2683. Billing Rights Summary. In Case of Emors or Questions About Your Bill: If you think your bill is wrong, or if you need more information about a transaction on you, 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 biter than 60 days after we mart you the first bill on which the errs or problem appeared. You can telephone us, but doing so will not preserve your rights. In your letter, give us the following information: You name acrd Account number. The doltar amount of L4.e suspected error. Describe the one and explain, it you can, why you believe there is anew. It you need more information, describe the item you are unsure about You do not have to pay any amount in question whale we are investigating, but you are still obligated to pay the parts of your bill that are not in question. While we investigate your wesfon. we cannot report you as delinquent or take any action to tolled 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 tried kh good faith to cared the pri"ern with the merchant you may not have to pay the rema nkrg amount due on the goods or services. You have this protection any when the purchase prim was more than $50 and the purchase was merle in your here stale or whin 100 mites of your mailing address. (If we err or operate the merchant, or 9 we mailed you the advertisement for the goods or services, all purchases are wvered regardless of the amount or location of purchase.) Payments. Send 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 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. I payment is used as an electronic trend 92rc ter, the transfer vsl be for the amount of the cli When wei use information from your dhede to make an electronic fund hanster, hods may be wt drawn from your account as soon as the sane day we receive your payment, and you will not receive your cihedc back from your financial lns*Am, The processing of your payment may be delayed it you send cash, ocTespondence or other items nth your payment, if you send the payment to any other address or 8 you use an envelope other Ihan the one provided. Payments received in proper form at our processing facility by 5PM local lime on any day wl be credited lo your Account as of that day. Payments. rece ved al our processing facility after 5PM local time will be credited to your Account as of the next day. It you have rtwspfaced your envelope, sad your payment to Discover, PD Box 6103, Card Stream, It. 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 minimum payment or a greater amount over the telephone, and you can set up automatic payments. Call us at 1-800,347.2683. You writ need this statement and your bank account information. You must ensure that sulfident funds are avalatne in your bank account, and all transactions must comply with U.S. law. You will be asked to provide the first 5 digits of your account statement Z1P code. By entering those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bards to deduct each payment you authorize Ram your bank account, and to irritate debit or credit entries to your bank account, as applicable, 0o correct an error in the processing of such payment. You must tell us the amount of each payment or you can select an amount such as the Minimum Payment Due or the New Balance on each staternarht You can cannel a payment; however we must receive notice at least three business days In advance od the scheduled payment. You may notily us by phone at 1.800-347.2663 or by mail at the address listed in the previous paragraph. It your payments vary in accord, we wl let you on each monthly statement when your payment will be made and how much It will be. Your automatic payment amount may be less than indicated on the monthly statement based on credits or payments applied during the billing cycle. Credit Reporting. We may report information about yourAccotmt to credit bureaus. Late payments, Ti payments, or other detains on year Account may be rallected in your credit report. We norrnally report the status and payment history of your Account to credit r" agencies each month. N you believe thatour report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 198505316. Please include your name, address, tome telephone number and Account number. Grace Period on Purchases (at least 25 days). We begin to impose Periodic Finance Charges on all transactions from the Transaction Date for the transaction shown on your billing statement, unless a transaction is posted to your Account after the close of the billing period in which 1 occurs, In which case we begin to Impose Periodic Finance Charges on that transaction from the first day of the falling period in Mich A a pasted to your Aco%K We continue to impose Periodic Finance Charges until the date you pay your entire New Balance shown on your billing statement by making payments or receiving credits. However, i you paid the New Balance on your previous billing statement by the Payment Due Data shown on that billing statement, we will net impose Periodic Finance Charges on new purchases, ft is. purchases fast appearing on the current bitting statement, or any ltorlim of a new purer, paid by the Payment Die Dole on your current billing statement We cal Ihis the'grwe period.' There is no grace period on balance transfers or cash advances. As more fully described in lire section of your CardmemberAgreemrent trled'Hoer We Apply Payments' we, generally apply payments to your Account based on the Annual Percentage Rafe applicable to the balance of each transaction category. This means that if you do not pay the New Balance on the current falling statement by the Payment Due Date shown on that billing' statement, then, depending on the amount of your payment and the Annual Percentage Rates on other balances, you may not gel a grace period on hex "am, Minimum Finance Charge. Yk will charge you a mlokrtum FINANCE CHARGE of $50 for any biting period in which Periodic Foam Charges of less than 5.50 would oterwise be imposed. Annual Fee. If your Ac ount has an annual fee, k will be billed at the beginning of each anniversary year your Account is open. The amount of the fee appears on tie statement vAon the fee is felled. The annual fee is not refundable un iv, you no tlyus that you vrsh to close yrur Account within 30 days of the mail ing or delivery date of the statement on which the fee is baled. You will receive th is refund even if you use you Card during that period. Periodic Finance Charges. We sort your transactions into groups of purchases, cash advances, and balance transfers and ten further sat the transactions within each group by their Annual Percentage Rabe. For example, puchases sy6jed to a pronnotional rate and purchases subject to a standard rate would be separate groups. We rater to these groups as transaction categories. At the and of each billing period, we compute balances and Periodic Rnanoe Charges for each day of the billing period for each transaction category. We use the Id owing equation to compute Periodic Finance Charges for each transaction category: (Average Dally Balance) times (days in billing period) limes (Daily Periodic Rale} You may refer b the Finance Charge Summary on your biting statement for these amounts. Then we add up the Periodic Finance Charges for each transaction category to get 80 total Periodic Finance Charges for your Account, The Average Daily Balance is shown as zero 9. because of the grace period, no Periodic Finance Charges apply to tie balance in a transaction category. The Daly Periodic Rate is 11365th of the corresponding Annual Percentage Rate. We use the Average Daily Balance (including new transactions) method of calculating the balance upon Mich vre impose Periodic Finance Charges. We compete Me Average Daily Balance for each transaction category by adding up all the daily balances in a billing period for a transaction category and dividing the total by the number of days is the billing period. We compile the daily balance for each ka.,,sac#m category on each day by first adding the bloviAg to the perims days daily balance; transactions with a Transaction Date of that day as shown on you billing statement, unless the transaction is posted to your Account after the dose of the billing period in which it occurs, in which case the transaction will be added to the daily balance as of the first day of the blli g period in which it is posted to you Account, fees charged thalday and Periodic Finance Charges accrued on the previous day's daily balance; and by then subtracting any credits and payments that are applied against the balance of the trarsacton category on that day. In calculating the daily balance for the first day of the billing period, we consider the'previous days daily balance' to have been your balance for each transaction category on the last day of your previous billing period. All tees charged to yourACCOUnt are added to the standard purchase transaction category with the exception of Cash Advance Trarsacton Fee Finance Charges which are added to the applicable cash advance transaction category and Balance.Tiansfer Tiar sadiaa Fee Finance Charges which are added to the applicable balance transfer transaction category. For TOD (Telecommunications Devke for the Deaf) assistance, please call 1.800.387.7449. Discover may monitor and/or record telephone calls between you and Discover representatives lot qual y assurance purposes. ON 10 The 0mcoveru card is issued by Discover Bank, Member FDIC PA0210 -I DISCOVER ttpaysto KATHY KNAUB Account number ending in 8200 page 2 of 2 Transactions Trans. Post Date Date Merchandise Apr 7 Apr 7 TOYSRUS-BABIESRUS 800-TOYSRIJS PA 55.39 Other/Miscellaneous Apr 22 Apr 22 LATE FEE 39.00 Apr 23 Apr 23 WALLET PROTECTION 1 MO 888-802.9639 UT 2.99 Finance Charge Summary Nominal Other Average Daily ANNUAL ANNUAL Periodic Fee current billing period: 31 days Daily Balances Periodic Rates PERCENTAGE PERCENTAGE RATES _ RATES FINANCE CHARGES FINANCE CHARGES Purchases $12,528 .31 0.01436% 5.24% V 5.24% $55.75 $0 Cash Advances $0 0.06573% 23.99% V 23.99% $0 $0 V = `Variable Rate Questions? Visit www.Discover.com or o:all 1-800-DISCOVER (1-800-347-2683). DISCOVER DISCOVER New Balance Minimum Payment Duu? $12,614.37 $501.00 Payment Due Date June 22, 2010 27 SDSN6A01 0022198 KATHY KNAUB 165 SALEM CHURCH RD MECHANICSBURG PA 17050-2835 Account Number ending in 8200 Enter Amount Enclosed Below Please make check payable to Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $14.37. 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 discoveccom/apps PO BOX 71084 111u111111111111Is oil 11111 CHARLOTTE NC 28272-1084 Address, email or telephone change? 1III 111ri1nIII III III III lilt 111111 kill Go to www.Discover.com or print change in space above. 000001986618140952214126143700000000050100 Opening Date: April 26,20 10 - Closing Uate: may 21 Discover More Card Account Summary Account number ending in 8200 Previous Balance $12,372.86 Payments And Credits 0.00 Purchases + 148.93 Balance Transfers + 0.00 Cash Advances + 0.00 Finance Charges + 53.58 Other Fees t + 39.00 New Balance $12,614.37 See Finance Charge Summary section following transactions for detailed APR information Credit Line $12,600.00 'Creditline Availabe $0:00 Cash Advance Credit line $6,300.00 Cash Advance Credit Line Available $0.00 t See transaction detail for a description of any fees charged.) Cashback Bonue Anniversary Month January Opening Cashback Bonus Balance $ 24.97 New Cashback Bonus This Period + 0.37 Cashback Bonus Balance $ 25.34 To learn more, log in at www.Diseovencom and select Rewards ...r AVIV F.U. Payment Information New Balance $12,614.37 Minimum Payment Due" $501.00 Payment Due Date June 22, 2010 'Includes past due amount of $248.00 Late Payment Warming: 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 10.24% 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: 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1. Access your account securely at www.Discover.com Access free online tools like Paydown Planner to create a plan - 2. -Call 1.800-DISCOVER-)1-800-347.2683 to pay down your balance, securely-mcess statements, pay. - Please have your Discover® 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 ways to earn Salt Lake City, UT 84130 and redeem cash rewards For TDD (Telecommunications Device for the Deal) NEWT Access your account securely through your assistance, please call 1.800.347-7449. mobile phone Transactions Trans. Post Date Date Merchandise May 19 May 19 KMART MECHANICSBURGPA $ 27.85 May 19 May 19 KMART MECHANICSBURGPA 2.38 May 19 May 19 TJMAXX #0720 MECHANICSBURGPA 36.43 May 21 May 21 SERVANT'S HEART GIFTS & CAMP HILL PA 44.21 May 21 May 21 TJMAXX #0720 MECHANICSBURGPA 35.07 Other/Miscellaneous May 22 May 22 LATE FEE 39.00 See reverse side. DISCOVER Important Information. It there is more than one we to this billing statement, see the back of each page for additional important inlormaWn. See your Caidmermber Agreement. Your Cardmxmber Agreementcontains all the terms of your Account. Lost or stolen cards. Report immediately! Call 1-800-347-2683, Bill ing Rights Summary. In Case of Errors or Questions About Your Bill: If you think your bill's 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 Boo 30421, Salt Lake City, UT 84130-0421, as soon as possible. We roust hear Gan you no later than W days after we sent you the first bah on which the error or problem appeared. You ran telephone us, but doing so will not preserve your rights. In your letter, give as the following Information: Your name and Account number. The dollar amount of the suspected error. Describe the error and explain, if you can, why you believe there is an error. It you need more information, describe the item you are unsure about You do rat have to pay any ama»t 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 your 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 with the quality of goods or services that you purchased with a credit card, and you have tried in good faith to cared doe problem with the merchant, you may not have to lay tte remaining amount due on the goods or services. You have this protection only vhten the purchase price was more than S50 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 fire advertisement for the goods or services, all purchases are covered regardless of the amount or location of purchase.) Payments. Send only your payment and the top portion of this slefement in the envelope provided. Do nol send cash. By sending your dfeck as described above, you authorize us to use Information on your check to make an eledron c fond transfer from your account at line financial institution inccated an your check or to process the payment as a check lrartsaction.. It payment is processed as an electronic fund transfer, the transfer will be for the amount of the cthedc. When we use i tomnatm 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 your coil not receive your check back from your f nandal institution. The processing of your payment may be delayed if you send cash, correspondence or other tins with your payment, it you sand the payment to any other address or if you use an envelope other than the one provided. Payments received in proper form at our processing lachlty by SPM lodat line on any day will be credited to yourAccant as of that day. Payments received at au processing facility after 5PM local time Will be credited to your Account as of the next day. If you have misplaced your envelope, sand your payment to Discover, PO Sox 6i03; Caid Siva n;-IL 60197.6103:Phedse allow 7-10 days for delivery if your papierifiis returned unpaid, we reserve the rigid to resubmit Ras an electronic debit. You can pay your minimum payment or a greater amount over the telephone, and you can set up automatic payments. Cal us at 1.890347-2683. Youcoil need this statement and your ! bank accamt information, You most ensure Met sufficient fads are available in your bank account, and all lrersadhors must comply with U.S. law. You wig be asked to pradde the first 5 digs of your account statement ZIP code. By entering those numbers as your eledrond signature, you will be agreeing to this auMaritalicn to allow us and your bank to deduct each payment you authorize from your bank account, and to initiate debit or credit entries to your bank account, as appirabla, to correct an error in the processing of such payment You must tell us the amount of each payment or you can select an amount such as the k9nnwm Payment We or the New Balance on each statement. You can cancel a payment; however we must receive slide at least three business days in advance of the scheduled payment You may notify us by phone at i-(100.347-2683 or by mail at the address listed in the previous paragraph. d your payments very in amount, we ra11 tell you on each monthly statement when your payment YA be made and taw much it will be. Your autamale payment amount may be less Mart indicated on the monthly statement based on credits or paymerils applied during the billing; cycle- Credit Reporting. We nay 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 Amount 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, WitmirBYtan, DE 19850-531& Please include your name, address, hone telephone norther and Amount number. Grace Period on Purchases (at least 25 days}. We begin to impose Periodic Finance Charges on all transactions from die Transaction Date for the transactor shown on your bill ig statement, unless a transaction is posted to your Account after the dose of the bluing period in which it oars, in which case we begin to impose Periodic Finance Charges on that transaction from the first day of the brtig period in which it is posted to your Account. We continue to impose Periodic Finance Charges until the date you pay your entire New Balance shown on your biting statement by making payments or receiving credits. However, l you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we coil not impose Periodic Finance Charges on new purchases, that is, purchases fist appearing on the current W M statement, or any portion of a new purchase, paid by the Payment Due Date on your current billing statement We cal this the-grace pahfocl`There is no grace period on balance transfers or caste advances. As more fully described in the section of your Cardrnember Agreement b'tled "Haw We Apply Payments,' we gurerelly apply payments to your Account based on the Annual Percentage Rate applicable statement, then, depending on each transaction the amount of your category paymeThis mem that A nf and theAnnual you Perdo not centage Rathe Now Balance tes on othre balanoncethe current s, you may rnot get a grace by pdrod on new t irhases Due SWO on that billing Minimum Finance Charge. We will charge you a minimum FINANCE CHARGE of 560 for any biting period in which Periodic Finance Charges of less than $.50 would otervise be imposed. Annual Fee. If your Account has an annual fee, t 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 NIWe The annual We is not refundable wtess_you notify us that yar wish b dose your Account within 30 days of the mailing or delivery date othe statement on which The tee is billed. You will receive this refund even if you use your Card durig that period. Periodic Finance Charges. We sat your transactions into groups of purdhases, cash advances, and balance transfers and then hAtier sort the transactias within each group by their Arnual Percentage Rate, For example, purchases sulyect to a promotional rate and purchases subject to a standard rate would be separate groups. We refer to these groups as Vaosaction categories. At The end of each billing period, we compute bafannces and Periodic Finance Charges for each day of the biting period for each transaction category. We use the following equation to compute Periodic Finance Charges for each transaction category: (Average Daily Balance) limes (days in biting period) times (Daily Periodic Rate). You may refer to the Finance Charge Summary on your biting statement for these amounts. Than we add up the Periodic Finance Charges for each transaction category to get the total Periodic Finance Charges for your Account . The Average Daily Balance is shown as zero if, because of the grace period, no Periodic Finance Charges apply to the balance in a transaction category. The Daily Periodic Rate is 11365th of the conespondirg Annual Percentage Rate. We use the Average Daily Balance (induding new transactions) method of calculating Me balance upon which we impose Periodic Fuutnce Charges. We compute the Average Daily Balance fa each l;ansact on category by adding up all the daily balances in a billing period for a transaction category and dividing the total by the number of days in the billing period. We compute the daily balance for each transaction category on each day by first adding the following to the previous day's dally balance: transactors with a Transaction Date of that day as shown on your b4ing statement, unless the transaction is posted to your Account after the dose of the billing period in which it occurs, in which pre the transaction 41 be added to the daffy balance as of the first day of the biting period in which it is posted to your Account, fees charged that day and Periodic Finance Charges accrued on the previous days daily . balance; and by then subtracting any credits and payments that are applied against the balance of the transaction category on that day. In calculating the daily balance for the first day of the INltag period, wra consider ft 'previous days daily balance' to have been your balance for each transaction category on the last day of your previous biding period. Al fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Transaction Fee Finance Charges which are added to the applicable cash advance transaction ra"ory and Balance Transfer Transaction Foe Finance Charges which are added to the applicable balance transfer transaction category. For TOO (Telecommunications Device for the Deal) assistance, please call 1400-347.7449. Discover may monitor andlor record telephone cols between you and Discover representatives forquaity assurance purposes. 02010 The Discovera card is issued by Discover Be* Member FDIC PA0210 t DISCOVER' trpaysto KATHY KNAUB Account number ending in 8200 page 2 of 2 Transactions Trans. Post Date Date Other/Miscellaneous May 23 May 23 WALLET PROTECTION I MO 888-802-9639 UT $ 2.99 Finance Charge Summary Nominal Other Average Daily ANNUAL ANNUAL Periodic Fee Daily current billing period: 30 days Balances Periodic Rates PERCENTAGE RATES _ PERCENTAGE RATES FINANCE CHARPES FINANCE CHARGES Purchases $12,437.67 0.01436°/ 5.24% V 5.24% $53.58 $0 Cash Advances $0 0.06573% 23.99% V 23.99% $0 $0 V = Variable Rate Information For You * * * ATTENTION * * * Your account is past due. Please pay the past due amount now, or contact us to make other arrangements.- - Save time. Pay your bill online. It's easy, convenient, secure and free. Just log in or register at the Account Center on Discover.com and your payment will be posted the same business day - up to 5 pm Eastern time. Questions? Visit www.Discover.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER New Balance Minimum Payment Du DISCOVER $12,311.66 $247.00 J Payment Due Date July 22, 2010 27 SDSN6A01 0022199 KATHY KNAUB 165 SALEM CHURCH RD MECHANICSBURG PA 17050-2835 Account Number ending in 8200 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 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 111111111111111 sill 11111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Go to www.Discover.com or print change in space above. tt t11,tlutill 1fill I 1 1111 1111111 1111 Is it ' life III (nlt(n11 000001986618140952214123116600255000024700 ODeninci Date: May 28, 2010 - Closinq Date: June 27, 2010 Discover More Card Account Summary Account number ending in 8200 Previous Balance $12,614.37 Payments And Credits 505.00 Purchases + 146.69 Balance Transfers + 0,00 Cash Advances + 0.00 Interest Charged + 55.60 Fees Charged + 0.00 New Balance - 12,31 1.66 !See Interest Charge Calculation section following transactions for detailed APR information Credit Line $12,600.00 Credit Line Available $288.00 Cash Advance Credit Line $6,300.00 Cash Advance Credit Line Available $288.00 You may be able to avoid Interest Charges, see Additional Important Information for details. Cashback Bonuse AnniversoryMonth January Opening Cashback Bonus Balance $ 25.34 New Cashback Bonus This Period + 0.36 Cashback Bonus Balance $ 25,70 To team more, log in at www.Discover.com page 1 of 2 Payment Information New Balance $12,311.66 Minimum Payment Due $247.00 Payment Due Date July 22, 2010 late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $39.00 and your purchase APRs For new transactions may be increased up to the Penalty APR of 10.24% 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: .<•>. IWE r . : .+? 1' :.:,a?"; >;nc; ?%5is'•£3;c"i" <£it;;;i: •?ktl:. Only the minimum 14 years $15,439 payment $370 3 years 13,332 (Savings = $2,107) If you would like information about credit counseling services, call 1-8006347-1121. Manage Your Account Online at www.Discover.com • Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions • Make your money worth moreSM-find easy ways to earn and redeem cash rewards • NEWI Access your account securely through your mobile phone 3 Easy Ways to Contact Us i . Access your account securely at www.Discovor.com 2. Call 1-800-DISCOVER (1-800-347-26831 Please have your Discovere card available. 3. Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800.347-7449. Other/Miscellaneous Gasoline Transactions Trans. Post Date Date Payments and Credits Jun 12 Jun 12 PHONE PAYMENT- THANK YOU $ -250.00 Jun 22 Jun 22 PAYMENT -THANK YOU -255.00 Jun 23 Jun 23 WALLET PROTECTION 1 MO 888-802-9639 UT ?$ 2.99 Jun 22 Jun 22 GIANT FUEL #331 MECHANICSBURGPA 19.76 010021 Home Improvement Jun 22 Jun 22 THE HOME DEPOT 4120 MECHANICSBURGPA 123.94 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloodable, password protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. j • Sign up today at Discovercom/paperless 02010 Discover Bank, Member FDIC PAPER,0310 M O Transactions a, Trans. Post o (cont.) Date Data °o N N Fees TOTAL FEES FOR THIS PERIOD $ 0.00 interest Charged INTEREST CHARGE ON PURCHASES $ 55.60 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 55.60 2010 Totals Year-to-Date TOTAL FEES CHARGED IN 2010 $ 78.00 TOTAL INTEREST CHARGED IN 2010 320.74 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). DISCOVER E Io$ys to KATHY KNAUB Account number ending in 8200 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 Cash Advances V = Variable Rate ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE (APR) INTEREST RATE 5.24% V $12,491.34 $5.5.60 23.99% V $0 $0 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. • itIt is o ion of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe is a to ca You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in wr' in You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried 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 oli of the criteria above ore met and"you are still dissatisfied with the purchase, contact iii in vi^fih- af: Discover, PO Box 30945, Salt Lake City, UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Payments. You may pay all or part of your Account balance at anytime. However, you most pay at feast 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 pa ment is processed as an electronic fund transfer, the transfer will be For the amount of the check. When we use information ham 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. They of yyour payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to anyy other address or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing Facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103 Carol Stream, IL 6 0 1 97-6 1 03. Please allow 7-10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. You can pay your 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 poyment date that occurs before your Payment Due Date. If yyour scheduled payment date falls on a weekend or bank holiday, your pa ant will be processed the business day prior to tFre 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 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 6 - bank your bank account. You also authorize us to initiate debit or credit entries to your bank account, as ap ctcable y , to you, correct an error in the processing of such payment. You can cancel a scheduled payment by one 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 feast 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 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 ou believe that our report ie inaccurate or incomplete, please write us at the Following address: Discover, PO Box 15316, Wylmington, 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 continue to impose Interest Charges until the date you poyyour an ire New Balance shown on your billingg statement by making payments or receiving credits. tf you paid the New Balance on your previous billingg statement 6 the Payment Due Date shown on that billing statemenwe will no' impose Interest Charges on new purchases, that is, urchases first appearin on the current billingg statement, or anX portion of a new purchase, paid by the Payment Due There is no grace "row Date on your current billing stateement. We call this the "grace p-rod . It is not less than 25 days on balance transfers or cash advances. As more fully described in the section of your Cardmember Agreement titled "How We Apply Paymentswe generally apply payments to your Account based on the APR applicable to the balance of each transaction ay cry . This means that if you do not pay the New Balance on the current billing statement by the Payment Due Data shown on that billing statement, then, depending on the amount of your payment and the APRs on other balances, you may not get a grace period on new purchases. Annual Fee. If your Account has an annual fee, it will be billed at f e beginning of each anniversary year our Account is open. The amount of the fee appears an the statement when the fee is billed. The annual fee is not refvndyable 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 Interest Charges - Daily Balance Method (including cmrent 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 termsj. 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 titled "Paying Interest"). In calculating the daily balance for the first day of the billing period, we consider the "previous day's daily balance" to have been your balance on the last day of your previous billing period. This gives us the dally balance for each transaction colegory. We fi ura the Interest Charges on your Account by multiplying the daily balance for each transaction category by its dai?y periodic rate, for each day in the billing period. The total Interest Charges for the billing period are the sum of the daily interest Charges for each transaction category for each day during that billing period. When we calculate daily balances, we add a new transaction as of the Transaction Date shown on your billing statement, unless the transaction is posted to your Account offer the dose of the billing period in which it occurs, in which case the transaction will be added to the daily balance as of the first day of the billing period in which a is posted to our Account. All Fees chargged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Fees whit are added to the applicable cash advance transaction category and Balance Transfer Fees which are added to the applicable balance transfer- transaction category. 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 if your Account is open. We will send you a refund of any remaining balance of $1.00 or more aRer 6 months, or as otherwise required by applicable law. For TDD (Telecommunications Device for the Deaf) assistance, please cal 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 Questions? Visit www.Discovercom or DISCOVER call 1-800-DISCOVER (1-800-347-2683). DISCOVER New Balance Minimum Patmert D $12,644,04 5500_00 Payment Due Date August 22, 2010 Account Number ending ?a 8200 Enter Amount Enclosed Below -- PIe3Se .make check payable to Discover Card. Yo j are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $4 4.04 27 SD-SMA01 0022200 KATHY KNAUB 165 SALEM CHURCH RD MECHANICSBURG PA 17050-2835 Please see "Notice =section your Interest Rates'' PO BOX 71084 Illrrr?lrrrirlrlirrrlrrrlll CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? IrrlrllrllrIII III trilriI ilriiIIIII III IIIIIIIIIlifit11rr111ii1l Go to www.Discover.com or print change in space above. 000001986618140952214126440400000000050000 Opening Date: June 28r 20]0 - Closing Date: July 27, `Discover More Card Account Summary Account number ending in 8200 Previous Balance $12,311.66 Payments And CredBs 0.00 Purchases + 239.36 Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged + 54.02 Fees Char ed + 39.00 New Ba ance 12,644.04 See Interest Charge Calculation section following transactions for detailed APR information Credit line $12,600.00 Credit LineAVailable _. . ._... ___........ $0:00_ Cash Advance Credit Line $6,300.00 Cash Advance Credit Line Available $0.00 You may be able to avoid Interest Charges, see Additional Important Information for details. Cashback Sonuse Anniversary Month January Opening Cashback Bonus Balance $ 25.70 New Cashbock Bonus This Period + 0.59 Cashback Bonus Balance $ 26.29 T. 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 (11-800.3A7-2683 1 Please have your Discovers card available. 3. -Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197.6103 For TDD (Telecommunications Device for the Deal) assistance, please call 1.800.347-7449. Transactions Trans. Post Date Date Merchandise Jul 2 Jul 2 RITE AID LEMOYNE PA $ 171,42 Jul 4 Jul 4 KMART MECHANICSBURGPA 50.66 Jul 4 Jul 4 TJMAXX #0720 MECHANICSBURGPA 14.29 Other/Miscellaneous Jul 23 Jul 23 WALLET PROTECTION 1 MO 888-802-9639 UT 2.99 Fees Jul 22 Jul 22 LATE FEE $ 39.00 Nuys i ar c Payment Information New Balance $12,644.04 Minimum Payment Due* $500.00 Payment Due Date August 22, 2010 *Includes past due amount of $247.00 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 $39 00 and your purchase APRs for new transactions may be increased up to the Penalty APR of 10.24% variable. Minimum Payment Warning: If you make only the minimum 11 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 14 years I $15,795 payment If you would like information about credit counseling services, call 1-800.347-1121. Manage Your Account Online at www.Discover.com • Access free online tools like 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 moresm--find easy ways to earn and redeem cash rewards • NEWT Access your account securely through your mobile phone NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloodable, password protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox.. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. • Sign up today at Discovercom/paperless 02010 Dixover Bank, Member FDIC PAPER.0310 Transactions Trans. Post (cont. Date Dote rn o 0 0 Fees TOTAL FEES FOR THIS PERIOD $ 39.00 ro 0 o Interest Charged INTEREST CHARGE ON PURCHASES $ 54.02 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 54.02 2010 Totals Year-to-Date TOTAL FEES CHARGED IN 2010 $ 117.00 TOTAL INTEREST CHARGED IN 2010 374.76 Questions? Visit www.Discover.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER DISCOVER F It pays to , KATHY KNAUB DLS ?-- A:count number ending in 8200 page 2 of 2 ,t. Notice of Changes to Your Interest Rates You have triggered the Penalty APR of 10.24% on new transactions. This APR. will vary with the market based on the Prime Rate.* This change will impact your account as follows: Purchases made on or after 8/16/10: As of 9/28/10, the Penalty APR will apply to these purchases (unless a promotional rate applies). We will keep the APR at this level indefinitely. Purchases made before 8/16/10 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 + 6.99% - -(corresponding daily-periodic rate-of 0.02805%). Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 30 days T TO INTEREST CHARGE TYPE OF BALANCE AANNU(AAL PERCENTAGE NBA,fLEARP£CE, RA RATE Purchases 5.24% V $12,538.70 $54.02 Cash Advances 23.99% V $0 $0 V = Variable Rate Additional Important Information. See your Cardmem6er 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 8A 130.0421. In your letter, give us the following information: Account information: Your name and account number. Dollaramount The dollar amount of the suspected error. • De r' t'on of Proble : If you think there is on 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 wr. i . 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, ?ou are responsible for the remainder of your balance. We can apply any unpaid amount against your credit imit. Your Riahts If You Are W satisfied Wig Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in wrltina 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. Payments. You may pay all or paH of your Aecount balance at any time. However, you must pay aF 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. u sanding your check as described above, you authorize us to use inFormafiion 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 pa ant is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment maybe delayed if you send cash, correspondence or other items with your payment, if you send the payment o any other address or if you use an envelope other than the one provided. Payments recewed m proper form at our processing iacikity b 5PM local time on any dayy will be credited to your Account as of that day. Payments received at our proeessmg facility after 5PM local time will be credited to your Account as of iha next day. IF you have misplaced your envelope, send your payment to Discover, PO Box 6103 Carol Stream,lL 60147 6103. Please albw 7-10 days for delivery. If your payment is returned unpaid, we reserve the right 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 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 scheduled payment date fags on a weekend or bank holiday, your payment will 6e ixocessed the business day prior to the 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 our (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 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, 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 fill-in the following blan cs below and retain the authorization for your records. Amount El Full Pay ? Min Pay ? Min Pay + $_ Bank Routing #: _; Bank Account #: Fregvency:- Credit Reporting. We may report information about your Account to credit bureaus. Lace payments,-missertpoyments, or _ other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wi mington, DE 19850.5316. ?lease indicate your name, address, home telephone number and Account number. Paying 6hlerest 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 Aceounf. We continue to impose Interest Charges until the date you pay your entire New Balance shown on your billing statement by making payments or receiving credits. If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing Statement , we wip not im se Interest Charges on new purchases, that is, purchases first appearing on the current billing statement, ar any portion ofanew purchase, Paid by the Payment Due Date on your current billing statement. We cal(this the "grace period.' It is not less than 25 days. There is no race period on balance transfers or cash advances. As more fully described in the section of your Cardmember Agreement titled 'How We Apply Paymentwe generally apply payments to your Account based on the APR applicable to the balance of each transaction category This means that if you do not pay the New Balance on the current billing statement by the Payment Due Date shown on that billing statement, then depending on the amount of your payment and the APRs on other balances, you may not get a grace period on new purchases. Annual Fee. If your Account has an annual fee, 0 will be billed at the beginning of each anniversary year your Account is open. The amount of the fee appears on the statement when the fee is billed. The annual fee is not refundable unless you notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the Fee is billed. You will receive this refund even if you use your Card during that period. Now We Calcuktb Merest Charges - Daily Balance Method rrnckrding 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 tided "Paying Interest"). In calculating the daily balance for the first day of the billing period, we consider the "previous day's daily balance" to have been your balance on the last day of your previous billing period. This gives us the daily balance for each transaction category. • We figure the Interest Charges on your Account by multiplying the daily balance for each transaction category by its daily periodic rate, for each day in the billing period. • The total Interest Charges for the billing period are the sum of the daily Interest Charges for each transaction category for each day during that billing period. When we calculate daily balances, we add a new transaction as of the Transaction Date shown on your billing -statement, unless the transaction is posted to your Account after the close of the billing period in which it occurs, in which case the transaction will be added to the daily balance as of the first day of the billing period in which it is posted to your Account. All fees charged to your Account are added to the standard purchase transaction category with the exception o Cash Advance Fees which are added to the applicable cash advance transaction category and Balance Transfer Fees which are added to the applicable balance transfer transaction category. 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 mayy make char es against this amount if your Account is open. We will send you a refund of any remaining balance of $ i .00 or more otter 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 OITBK172 Information For You * * * ATTENTION * * * Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). D?S :OVER New Balance F $12,16343 ? Minimum Payment D,tB $244,00 Payment Due Date September 22, 2010 27 SD5N6A01 0022201 KATHY KNAUB 165 SALEM CHURCH RD MECHANICSBURG PA 17050-2835 PO Box 7:1084 111rr111r,r111 1 111111111111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? 1"1'11ttI r" l'l III 1111 1 1 1 11 1 1 1 1 11 Go to www.Discover.com or print change in space above. account Number ending ir. 8200 =nte- Amount Enclosed Below Pay online at www.Discover.com or make check payable to Discover. Phone and internst poyrnents must be made by 5:00pm ET for same day posting. 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 discovercom/apps 00000198661$140952214121634300250000024400 7, 2010 page 1 of 2 Opening Date: July 28, 2010 - Closing Date: August, Discover More Card Account Summary Account number ending in 8200 Previous Balance $12,644.04 Payments And Credits - 539.00 Purchases + 2.99 Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged + 55.40 Fees Charged + 0.00 New Balance _ 12,163.A3 See Interest Charge Calculation section following transactions for detailed APR information Credit Line $12,600.00 Credit Line Available $436.00 Cash Advance Credit Line $6,300.00 Cash Advance Credit Line Available $436.00 You may be able to avoid Interest Charges, see Additional Important Information for details. Cashback 8onus® Anniversary Month January Opening Cashback Bonus Balance $ 26.29 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 26.29 To learn Marc, log in at wwwMiscoveaeom 3 Easy Ways to Contact Us 1. Access your account securely at www.Discovercom 2. Call 1-800-DISCOVER j1-800.347.26831 Please have your Discovers card available. 3. Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197.6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449. Payment Information New Balance $12,163.43 Minimum Payment Due $244.00 Payment Due Date September 22, 2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a We 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 10.2A% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and R will take you longer to pay off your balance. For example: '. ,(r 3:?xv?:a<,,,. Sy?;'k'. ccjg ,?' .;:r ,.?..•4,,???d• , .:: :: . : ti` ^ : , k . ` ••. :. :: $; r ? :x:,.q:•::. :: :oxdm ?ff .?c; >r ?{:.:,Se 2 2r ' < .i2. TIY>??Qt7F<i'fx.>.'w. 2 x ? Y ' i.x R y,'q• 1'ffe$it Only the minimum 14 years $15,248 payment $366 3 years 13, (Savings = $2,077 j If you would like information about credit counseling services, call 1-800.31A7-11121. 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 eorn and redeem cash rewards NEWI Access your account securely through your mobile phone Transactions Trans. Post Date Date Payments and Credits Aug 7 Aug 7 PHONE PAYMENT - THANK YOU $ -250.00 Aug 22 Aug 22 PAYMENT - THANK YOU -250.00 Aug 23 Aug 23 LATE CHARGE REFUND -39.00 Othor/Miscalianecus Aug 23 Aug 23 WALLET PROTECTION I MO 888-802-9639 UT $ 2.99 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER ?PaPerless statements mean less clutter, more convenience Easily access up to 24 months of downloodable, password protected statements. u 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 li I 02010 Discover Bonk, Member FDIC - PAPM031 D Imo---- -- "---'-- ----. -- -- O Transactions m Trans. Post (cont.) Date Date c ° interest Charged INTEREST CHARGE ON PURCHASES $ 55.40 a INTEREST CHARGE ON CASH ADVANCES 0.00 ° INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL WTEREST FOR THIS PERIOD 55.40 2010 Totals Year-to-Date TOTAL FEES CHARGED IN 2010 $ 78.00 TOTAL INTEREST CHARGED IN 2010 430.16 Questions? Visit www.Discover.com or ??SCwER call 1-800-DISCOVER (1-800-347-2683). DISCOVER' It pays to KATHY KNAUB -D1SC?YER- J Account number ending in 8200 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 Cash Advances V = Variable Rate ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE (APR) INTEREST RATE 5.24% V $12,447.49 $255.40 23.99% V $0 $0 Additional Important Information. See your Cardmember Agreement. Your Cordmember 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 Yovr Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84 130-042 1. In your letter, give us the following information: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Description of oblem: If-you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mists You must contact us within 60 days after the error appeared on your statement. You must notify, us of any potential errors in?wnt! . 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, yyou are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit; imit. Your Rights !f You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase, Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. l a o f e &if&id'al ie are met and you'dre still dissatisfied with the purchase, contact us in i i at: - - Discover, PO Box 30945, Salt Lake City, UT 84130.0945 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Payments. 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 pprovided. 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 pa ent is processed as n electronic fund transfer, the transfer will be for the amount of the check. When we use information Fram your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as tha 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 a any other address or if you use an envelope other than the one provided. Payments received in proper format our processing facility by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103 Card Stream, IL 60197.6103. Please allow 7-10 dogs for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as on 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 seta 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 yyour scheduled payment date falls on a weekend or bank holiday, your payymment will be processed the business day prior to tF?e weekend or bank holiday. In order to schedule monthly paym ents by felephone, you will need this statement and your bank account information. You will be asked to provide the last Mur (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 applicable, to correct on 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 3042 1, Sal take City UT 84130.0421; however we must receive notice at feast 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 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 DISCIOVE 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 reportrs 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. We begin to impose Interest Charges on all transactions from the Transaction Date For the transaction shown on your billing statement, unless a transaction is posted to your Account after the close of the billing period in which it occurs, in which case we begin to impose interest charges on that transaction from the first day of the billing period in which it is posted to your Account. We continue to impose Interest Charges until the date you pay your entire New Balance shown on your billing statement by making payments or receiving credits. IF you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose Interest Charges on new purchases, that is, purchases first appearing on the current billing statement, or onZ portion of a new purchase, paid by the Payment Due Date on your current billing statement. We call this the "grace period. It is not less than 25 days There is no grace period on balance transfers or cash advances. As more fully described in the section of your Cardmember Agreement titled "How We Apply Payments," we genera%a y payments to your Account based on the APR applicable to the balance of each transaction categgory. This means that it you do not pay the New Balance on the current billing statement by the Payment Due Date shown on that billing statement, then depending on the amount of your payment and the APRs on other balances, you may not get a grace 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 billed. The annual fee is not refundable unless you notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the fee is billed. You will receive this refund even if you use your Card during that period. How We Calculate Interest Charges • Daily Balance Method (including current transactions): We figure Interest Charges for each billing period." To do this: We calculate your Interest Charges separately for each balance subject to different terms (for example, :standard purchases, standard cash advances and each purchase, balance transfer and cash advance balance subject to promotional terms). We refer to these balances as transaction categories. • We Bgure 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 Chargas accrued on the previous day's daily balance. We then subtract any credih and payments and make other adjustments (including those adJ'ustmenis required in the section titled "Paying interest"(. In calculating the daisy balance for the first day of the billing period, we consider the "previous as daily 6akxnce" 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 billin 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 charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more attar 6 months, or as otherwise required by applicable law. For TDD (Telecommunications Device for the Deaf) assistance, please cab 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 01TOK172 Questions? Visit www.Discover.com or call 1-800-DISCOVER (1-800-347-2683). DISC*VER New Balance Minimum Payment DuA Account Number ending in 8200 DISCOVER $12,446.86 $493.00 Enter Amount Enclosed Below Payment Due Date October 22, 2010 Please make check payable to Discover Card. Minimum payment due includes a past due amount of %244.00. Phone and infernet payments must be made by 5:00pm ET for same 27 SDSN6A01 0022202 day Lasting. KATHY KNAUB Tired of buying stamps? Go mobile) Make and schedule payments from your phone 165 SALEM CHURCH RD with the Discover app. R's fast and it's free. MECHANICSBURG PA 17050-2835 Download now atdiscover.com/apps • PO BOX 71084 Illn,lluu,lrllurlurlll CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? If tltllrrltff?,ll„rlttlt?r,t?lllft,?ttlrrlttllttltt?rtl,?ttll Go to www.Discover.com or print change in space above. 000001986618140952214124466600000000049300 Opening Date: August 28, 2010 - Closing Date: September 27, 2010 page 1 of 2 Discover More Card Account Summary 11 Payment Information New Balance $12,446.86 Minimum Payment Due* $493.00 Account number ending in 8200 Payment Due Date October 22, 2010 Previous Balance $12,163.43 Payments And Credits 148.38 Purchases + 351.53 Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged + 55.28 Fees Charged + 25.00 New Balance $12,446.86 See Interest Charge Calculation section following transactions for detailed APR Information *Includes past due amount of $244.00 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 15.24% variable. Minimum Payment Waming: IF you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: Credit Line $12,600.00 Credit tine Available _ $153.00 Cash Advance Credit Line $6,300.00 Cash Advance Credit Line Available $153.00 You may be able to avoid Interest Charges, see Additional Important Information for details. Cashback Bonus' Anniversary Month January Opening Cashback Bonus Balance $ 26.29 New Cashback Bonus This Period + 0.50 Cashback Bonus Balance $ 26.79 To learn more, log in of 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 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 1.800347-7449. I Only the minimum I 15 years $16,196 payment if you would like information about credit counseling services, call 1.800-347-1121. Manage Your Account Online at www.Discover.com • Access free online tools like Paydown Planner to create a plan to day down your balance, securely access statements, pay bil s online and easily track all transactions • Make your money worth inoresm-find easy ways to earn and redeem cash rewards • NEWI Access your account securely through your mobile phone Transactions Trans. Post Date Date Payments and Credits Sep 19 Sep 21 TJMAXX #0720 MECHANICSBURGPA $ -110.23 Sep 19 Sep 21 TJMAXX 40720 MECHANICSBURGPA -38.15 Merchandise Sep 5 Sep 5 TJMAXX #0720 MECHANICSBURGPA $ 85.38 Sep 10 Sep 10 TJMAXX #0720 MECHANICSBURGPA 51.89 Sep 10 Sep 10 TJMAXX #0720 MECHANICSBURGPA 99.21 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloodable, password protected statements. See your statement as soon as it's available rather than wait for it to arrive in your mailbox. I • Get helpful payment reminders through e-mail or text messages on your mobile phone. i I • Print a paper copy of your statement anytime. j • Sign up today at Discovercom/papedess I I L 62010 Discover Bank, Member FDIC PAPER.0310 Transactions Trans. Post cont.) Date Data Other/Miscellaneous Sep 23 Sap 23 WALLET PROTECTION 1 MO 888-802.9639 UT $ 2.99 Automotive Aug 28 Aug 28 PEPBOYS STORE # 21 MECHANICSBURGPA 97.06 Medical Services Aug 31 Aug 31 PHMS FMC MARYSVILLE HARRISBURG PA 15.00 Fees Sep 22 Sep 22 LATE FEE $ 25.00 TOTAL FEES FOR THIS PERIOD 25.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 55.28 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR TFBS PERIOD 55.28 2010 Totals Year-to-Date ____ _ Date TOTAL FEES CHARGED IN 2010 $ _ ..103.00._ TOTAL INTEREST CHARGED IN 2010 485.44 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). rn 0 ca z a, 0 0 N N o to 0 DISCOVER' It pays to I KATHY KNAUB :iCOVIP-W - Account number ending in 6200 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 5.24%b V $)2,418.75 $55.28 Cash Advances 23.99% V $0 $0 V =Variable Rate Additional Important Information. See your Cardmember Agreement, Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediatelyl Calf 1-800-347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is on error on your statement, write to us at: Discover, PO Box 30421, Salt 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. De?scrio 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 mistake. 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 payt?unt 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. YourJtights If You Are 12fssatisfied 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 accounf do not qualify. 3. You must not yet have fully paid for the purchase. if all a4ihe criteria above are met and you are still' dissatisfied with the purchase, contact us in wrltiria ofDiscover, PO Box 30945, Salt Lake City, UT 8 4 1 3 0-0945 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 part of your Account balance at anytime. 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 on your check to make on 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 fhe 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 o any other address or if you use an envelope other than the one provided. Payments received in proper form of our processing facility by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103 Carol Stream, If. 60197.6103. Please allow 7-10 days for delivery. If your payment is retumed 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 payments through a customer service representative by calling 1-800-3A7.2683. 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 an a weekend or bank holiday, your payment will be processed the business dpy prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. Yov wilt be asked fo provide the fast four (4) digits 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 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 payment by phone at 1-800.347.2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84 1 3 0-042 1; however we must receive notice at least three business days in advance of fhe scheduled payment. If your payments may vary in amount, we will tell you on each monthly statement when your pa ment will be dea nd 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 fill-in the following blanks below and retain the authorization for your records. Amounh ? Full Pay ? Min Pay ? Min Pay + $ , Bank Routing ; Bank Account #; ; Frequency:- . NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC6VEIC Credit Reporting. We may report information about your Account to credit bureaus. tale payments, missed payments, or other defauhs 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 ou believe that our report is lnoccurate or incomplete, please write us at the following address: Discover, PO Box 15316, W Imington, DE 19850_ 5 316 . 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 continue to impose Interest Charges until the date you pay your entire New Balance shown on your billingg statement by makin paymens or receiving credits. if you paid the New Balance on your previous billing statement 6 the Payment Due ale shown on that billing statement, we will not impose Interest Charges on nave purchases, that is, purchases first appearing on the current billing statement, or an?r portion of a new purchase, eaid by the Payment b.. Date on your current billing statement. We call this the "grata period. It is not less than 25 days. There is no race period on balance transfers ar cash advances. As more fully described in the section of your Cardmember Agreement titled "How We Appply Payments," we generally apply payments to your Account based on the APR a licable to the balance of each transaction category. This means that iF you do not pay the New Balance on the current billing statement by the Payment Due Date shown on that billing statement, then, depending on the amount of your payment and the APRs on other balances, you may not get a grace period on new purchases. Annual Fee. If your Account has an annual fee, it will be billed at the beginning of each anniversary year your Account is open. The amount of the fee appears on the statement when the Fee is billed. The annual fee is not refundable unless you notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the fee is billed. You will receive this refund even if you use your Card during that period. How We Cakulato Interest Charges - Daily Balance Method (including current transactions): We figure Interest Charges For each billing period. To do this: • We calculate your Interest Charges separately For each balance subject to different terms (for example, standard purchases, standard cash advances and each purchase, balance transfer and cash advance balance subject to promotional terms). We refer to these balances as transaction categories. • We figure the "daily balance" for each transaction category. To get the "daily balance" we take the beginning balance for each day, add any new transactions and fees and any Interest Charges accrued on the previous day's 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 daily balance for the first day of the billing period, we consider the "previous day's daily balance" to have been your balance on the last day of your previous billing period. This gives us the daily balance For each transaction category. • We figure the Interest Charges on your Account by multiplying the daily balance for each transaction category by its daily periodic rate, for each day in the billing period. • The total Interest Charges for the billing period are the sum of the daily Interest Charges for each transaction category for each day during that billing period. When we calculate daily balances, we add a new transaction as of the Transaction Date shown on your billing statement, unless the transaction is posted to your Account after the close of the billing period in which it occurs, in which case the transaction will be added to the dai balance as of the first day of the billing period in which it is posted to your Account. All fees chargged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Fees whicTr 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 charrg9es against this amount if your Account is open. We will send you a refund of any remaining balance of $1.OD or more aBer 6 months, or as otherwise required by applicable law. For TDD Ifelecommunicalions Device for the Deaf} assistance, please cal 1.800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover ocard is issued by Discover Bank, Member FDIC 01TSK172 Information For You When making payments, please send a check with your payment coupon to the address we provided on your statement. This will help you avoid additional interest charges and/or late payments, as it can take additional time to process and credit cash payments and payments sent to a different address. The Additional Important Information section on your statement provides specific details. ***ATTENTION*** Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. Questions? Visit www.Discover.corn or DISCOVER call 1-800-DISCOVER (1 -800-347-2683). DISCOVER New Balance Minimum Payment Du $12,537.17 $744.00 Payment Due Date November 22, 2010 27 SDSN6A010022203 KATHY KNAUB 165 SALEM CHURCH RD MECHANICSBURG PA 17050-2835 account Number ending in 8200 Enter Amount Enclosed Below 1W? Please make check payable to Discover Card. Minimum payment due includes a past due amount of $493.00. Phone and internst payments must be made by 5:00pm ET for some day posting. Please see "Notice of Changes to your Interest Rates" section PO Box 71084 I11 1111111111 1 1 11111 1111111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? lilillllllllllrllllll 1111141 ill iltltlrilttlt 1111lllrllrlll1111 Go to www.Discover.com or print change in space above. 000001986618140952214125371700000000071+400 Opening Date: September 28, 2010 - Closing Date: October 27, 2010 Discover More Card Account Summary Account number ending in 8200 Previous Balance $12,446.86 Payments And Credits 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged + 55.31 Fees Charged + 35.00 New Balance 12,537.17 See Interest Charge Calculation section following transactions For detailed APR information Credit Line $12,600.00 Credit Line Available $62.00 Cash Advance Credit Line $6,300.00 Cash Advance Credit Line Available $62.00 You may be able to avoid Interest Charges, see Additional Important Information For details. Cash ac BonuSe Anniversary Month January Opening Cashback Bonus Balance $ 26.79 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 26.79 To learn more, lag to 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 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 601 97-6 1 03 For TDD (Telecommunications Device For the Deal) assistance, please call 1-800.347-7449. Me 1 of 3 Payment Information New Balance $12,537.17 Minimum Payment Due* $744.00 Payment Due Date November 22, 2010 *Includes past due amount of $493.00 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 $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 15.24% variable. Minimum Payment Wamang: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: AltlLt???S Fkit??a? ? gtYs?,s s bps s ? .; .,..v . t 8 , ? t?1t ?tterri ?6 ..1,aa}77cc??fftk:}N7 !Q ..,f.:;:f??.; 9f,.°.;.. r.'.+H.o:$°%.:45.,..:5.w «... ,.•.:.' Only the minimum 15 years $16,242 payment If you would like information about credit counseling services, tali f-800.347-1121. Manage Your Account Online at www.Discover.com • Access free online tools like Paydown Planner to create a plan to ay 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 Transactions Trans. Post Date Date Fees Oct 22 Oct 22 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD 35.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 55.31 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of 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/papedess 02010 Di-er Bank, Member FDIC PAPER.0310 Transactions rn Z Trans. Post (cont.) Date Date o 0 0 N Interest Charged TOTAL INTEREST FOR THIS PERIOD N $ 55.31 No w 2010 Totals Year-to-Date ° TOTAL FEES CHARGED IN 2010 $ 138.00 TOTAL INTEREST CHARGED IN 2010 540.75 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). DISCOVER itpays of K4THY KiVAUB Account number ending in 8200 page 2 of 3 L_,5 Notice of Changes to Your Interest Rates You have triggered the Penalty APR of 15.24% on new transactions due to a `.ate 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 1 1116/10: As of 12/28/10, 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 1 1 /16/10 and other transactions: Current rates will continue apply to these purchases and transactions. *This Annual Percentage Rate ("APR") equals the U.5. Prime Rate + 11.99% (corresponding daily periodic rate of 0.04175%). Interest Charge Calculation Your Annual Percentage Rate (APRi is the annual interest rate on your account. Current Billing Period: 30 days TYPE OF BALANCE Purchases' 08/16/2010 and after 08/15/2010 and prior Cash Advances AANNUAAL PERCENTAGE BALANCE SUBJECT TO INTEREST RATE INTEREST CHARGE 10.24% V 5.24% V 23.99% V $382.25 $12,091.32 $0 $3.22 $52.09 $0 V = Variable Rate * Dates apply to non-promotional purchases and to expired promotions with start dates within the specified date range Additional lmportant Information. See your Cordmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediatelyl Call 1-800-347-2683. What ro Do if You Think You Find A Mistake On Your Statement if you think there is an error on your statement write to us at: Discover, PO Box 30421 Salt Lake City, UT 84 1 30-042 1. try your fetter; g" N"e'us the following irrformationi""" • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Description of Pr blem: If you think there is on error on your bill, describe what you believe is wrong and why you believe it is a m to 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 pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. Your Rights If You Are Dissadsfied 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 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 i ritir9 at: Discover, PO Sox 30945, Salt Lake City, UT 84130.0945 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Payments. You mayp ay 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 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 pa ent 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 tramfer, 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 i rlstitution. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER The processing of your payment may be delayed if you send cash, correspondence or cther items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103 Carol Stream, IL 60 1 97-6 1 03. Please allow 7-10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. You con pay your scheduled monthly payment or a greater amount that does not exceed your current Account balance over the telephone or you can seta automatic payments through a customer service representative by calling 1-804347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a payment date that occurs before our Payment Due Date. If your scheduled payment date falls on a weekend or bank holiday, your pa ent will be processyed the business day prior to the weekend or bank holiday. In order to schedule monthly pa 0"(2) by telephone, you will need this statement and your bank account information. You will be asked to provide the last 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 a plicable, 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 fisted 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 + $ Rank 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 your Account to credit reporting agencies each month. K 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 nine, 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 continua to impose Interest Charges until the date you pay your entire New Balance shown on your billing statement by making payments or receiving credits. lF you paid the c Balance on your previous billing statemerd 6y the Payment Dua Date shown on that billing statement, we will not impose Interest Charges on new purchases, that is, purchases first appearing on the current billingg statement, or anX portion of a new urchase, eaid by the Payment Due Date on your current billing statement. We cal? this y "grade period. It is not lyss than p25 days. There is no Srace period on balance transfers or cash advances. As more f u l described in the section of our Cardmem er Agreement idled "How We Apply Payments," we generally apply pa ants to your Account based on the APR applicable to the balance of each transaction category. This mear?4 a cf you do not pay the New Balance on the current billing statement by the Payment Due gate shown on that billing statement, then depending on the amount of your payment and the APRs on other balances, you may net get a grace Had on new purchases. Anrwal Fee. IF your Account has an annual fee it will be billed at the &ginning of each anniversary year your Accountis open. The amount of the fee appears on the statement when the fee is bi led. The annual fee is not refunddoable 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 Method (including current transactions): We figure Interest Charges for each billing period. To do this: • We calculate your Interest Charges separately for each balance subject to different terms (for example, standard purchases, standard cash advances and each purchase, balance transfer and cash advance balance subject to promotional terms). We refer to these balances as transaction categories. • We figure the "daily balance" For each transaction category. To get the "daily balance" we take the beginning balance for each day, add any new transactions and fees and any Interest Charges accrued on the previous day's daily balance. We fhen subtract any, credits and ppaayments and make other adjustments (including those adjustments required in the section titled "Paying Interest"). In calculating the daily balance for the first day of the bilfiN period, we consider the "previous day's daily balance" to have been your balance on the last cloy 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 our 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 charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more aNer 6 months, or as otherwise required by applicable law. For 1DD (Telecommunications Device for the Deaf) assistance, please cal 1-800.347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discoverocord is issued by Discover Bank, Member FDIC OITBK 172 Questions? Visit www.Discover.com or ?IJC?VER call 1-800-DISCOVER (1-800-347-2683). DISCOVER 1 Information For You When making payments, please send a check with your payment coupon to the address we provided on your statement. 'his will help you avoid additional interest charges and/or late payments, as it can take additional time to process and credit cash payments and payments sent to a different address. The Additional Important Information section on your statement provides specific details. * * * ATTENTION * * * We previously requested the past due amount on your account. We have no record of receiving payment. The amount due should be paid at once. DISCOVER` New Balance I Minimum Payment Due Account Number ending in 8200 l $12,629.89 L $997.00 ow Enter Amount Enclosed Be Payment Due Date s December 22, 2010 L L Please make check payable to Discover Card. the sum of the monthl li it Pa Y y y ou are over m . minimum payment plus the overlimit amount of $29.81). 27 SDSN6A01 0022204 Tired of buying stamps? Go mobile! Make KATHY KNAUS and schedule payments from your phone 165 SALEM CHURCH RD with the Discover app. It's fast and it's free. MECHANICSBURG PA 17050-2835 Download now atdiscover.com/apps PO BOX 71084 Ill 99111111111111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? l„1,ll11lnrl1111111111rlurllllloll 1#11llnlllrlltlul111111 Go to www.Discover.com or print change in space above. 000001986618140952214126298900000000099700 Opening Dote: October 28, 2010 • Closing Date: November 27, 2010 Discover More Card Account Summary Account number ending in 8200 Previous Balance $12,537.17 Payments And Credits 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged + 57.72 Fees Charged + 35.00 New Balance $12,629.89 See Interest Charge Calculation section following transactions for detailed APR information Credit line $12,600.00 Credit Line Available 4.00 Cash Advance Credit Line $6,300.00 Cash Advance Credit Line Available $0.00 You may be able to avoid Interest Charges, see Additional Important Information for details. Cashback Bonuse Anniversary Month January Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 To learn more, tog in ai www.Discover.tom page l of 2 Payment Information New Balance $12,629.89 Minimum Payment Due* $997.00 Payment Due Date December 22, 2010 *Includes past due amount of $744.00 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 15.24% 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: awl[...>.:.:. .:< srtdts`s,'•> > Y ;; .? f <, y fn?'? ? was 'a?.,•-„^' "' 6dc#t>(f it.`. ?3qt ribs l dT,sifc+? A?'! #°; ` Val( tfvrard tpnd t?'Jrl.f lly ,: ;? t..:°.,?1.X.J: eaclt2!»ar1#i ?ov:pdtt 1faa tx $ Only the minimum 15 years $16,289 payment If you would like information about credit counseling services, call 1.800.347-1121. 3 Easy Ways to Contact Us 1. Access your account securely at www.Disc*vor.com 2. Call 1.800-DISCOVER (1-800.347-2683) Please have your Discovers card available. 3. Write to us at Discover; PO Box 30943, - Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 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 track all transactions • Make your money worth mores-find easy ways to earn and redeem cash rewards • NEWI Access your account securely through your mobile phone Transactions Trans. Post Date Date Fees Nov 22 Nov 22 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD 35.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 57.72 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER } Paperless statements mean less clutter, more convenience Easily access up to 2A months of downloadoble, password protected statements. • See your statement as soon as it's available rather than wait for it tc 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 Discovercorn/paperless 02010 Discover Book, Member FDIC - 1APER0110 Transactions Trans. Post {cont. Data Date krierest Charged TOTAL INTEREST FOR THIS PERIOD $ 57.72 2010 Totals Year4o-Date TOTAL FEES CHARGED IN 2010 $ 173.00 TOTAL INTEREST CHARGED IN 2010 598.47 Questions? Visit www.Discover.com or calf 1-800-DISCOVER (1-800-347-2683). DISCOVER U) 0 W a 0 0 0 N N 0 a X V DISCOVEW -1 It pays to KATHY KNAUB I bISCQVM_,, Account number ending in 8200 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* 08/16/2010 and after 08/15/2010 and prior Cash Advances ANNUAL PERCENTAGE RATE (APR) BALANCE SUBJECT TO INTEREST RATE INTEREST CHARGE 10.24% V 5.24% V 23.99% V $420.67 $12,144.40 $0 $3.65 $54.07 $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 Cordmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediatelyl Call 1-800-347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84 1 30442 1. In your letter, give us the Following information: • Account information: Your name and account number. Dollar amount: The dollar amount of the suspected error. • Description of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in 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 pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. Your Rights if You Are Dissatisfied With Your Credit Card Purchases IF you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the fallowing 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 criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Discover, PO Box 30945, Salt Lake City, UT 84130.0945 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Payments. You may y all or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the r. yment Due Date. Send only your 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 trans or from your account at the financial institution indicated on your check or to process the payment as a check transaction. IF p ent is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information Fram your check to make an electronic bind transfer, Funds moy 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 proceuing of your payment may be delayed iF you send cash, correspondence or other items with f upaen t, if you senthe payment o any othaddresor u usan oter tan thonprovdPaymereivem er form of our pessing facb5PM locl imon ny da ill be credid to your Accns f thayPayments rceivd at our procesing alft5Plocal time wilcredited to our Account aof the next y. IF you have misplaced your envelope, send your payment to Discover, Box 610rol rea1L 60 1 91 03Please llow 7.10 days for delivery. If yor payment is returned npaid, we serve the rig?it to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC*VEI 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 PPaymenh ttxough a customer service representative by calling 1-800.347-2683. Automatic payments will be deducted on fhe Payment Due Dale unless you request a yment date that occurs before your Payment Due Date. If our scheduled payment date falls on a weekend or bank holiday, your pa ent will be processed the business day prior to the weekend or bank holiday- In order to schedule monthly payment: 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 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 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, Salt Lake City, UT 84 1 3 0-04 2 1; 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 a1i 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 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: Credit !Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. IF you believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 19850-5316. Please indicate your name, address, home telephone number and Account number. Paying Inieresh. We begin to impose Interest Charges on all transactions from the Transaction Date for the transaction shown on your billing statement, unless a transaction is posted to your Account after the close of the billing period in which it occurs, in which case we begin to impose interest charges on that transaction From the first day of the billing period in which it is posted to your Account. We continue to impose Interest Charges until the date you pay your entire New Balance shown on your billing statement by making Payments or receiving credits. If you paid the New Balance on your previous billingg statement b the Payment Due Dale shown on that billing statement, we will not impose Interest Charges on new purchases, that is, purchases first appearing on tore current billing statement, or anX portion of a new ppurchase, paid by the Payment Due Date on your current billing ;h,.I l ths ce peod. It is not less than 25 days. There is no race period balacferor ch adaAs ore ly described in the section of yur Cardmember Agreement t1fied "How e plPntswe genrllapply pants to yor Account based on the APR applicable to the balance of each hanaction cate.his means if you do not poy the New Balance on the current billing statement by the Payment Due Dafe shown on that billing statement, then, depending on the.mount 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 win be billed at the beginning of each anniversary year our Account is open. The amount of the fee appears an the statement when the Fee is billed. The annual Fee is not refundable unless you notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the fee is billed. You will receive this refund even IF you use your Card during that period. How We Calculate Interest Charges - Daily Balance Method (including current transoctionsi: We figure Interest Charges for each billing period. To do this: We cafe?iate your interest Charges separaisly 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 than subtract any, credits and payments and make other adjustments (including those adjustments required in the section titled "Paying Iterest"), in calculating the daily balance for the first day of the billing period, we consider the "previous day's daily balance" to have been your balance on the last day of your previous billing period. This gives us the daily balance for each transaction category. • We figure the Interest Charges on your Account by multiplying the daily balance for each transaction category by its daily periodic rate, for each day in the billing period. • The total Interest Charges for the billing period are the sum of the daily Interest Charges for each transaction category for each day during that billing period. When we calculate daily balances, we add a new transaction as of the Transaction Date shown on your billing statement, unless the transaction is posted to your Account after the close of the billing period in which it occurs, in which case the transaction will be added to the daily balance as of the first day of the billing period in which it is posted to your Account. All fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Fees which are added to the applicable cash advance transaction category and Balance Transfer Fees which are added to the applicable bolance 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 chargges against this amount if 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. Fr-r TOD (Telecornmunirohons Dovi a far the Deaf} .ss:s rce,O,-.se 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 01TBK172 Information for You As a reminder, you do not pay any interest on new purchases if you pay your balance in full each month by your due date. This is called a "grace period." You will continue to receive at least 25 days as a grace period for new purchases, except that you will receive at least 23 days as a grace period for billing periods beginning in February as it is a shorter month. Remember, there is no grace period on balance transfers or cash advances. * ** ATTENTION ** * Your account is seriously past due. Payment of the amount due and arrangements for future payments should be made immediately. Questions? Visit www.Discover.com or p?SC?VER call 1-800-DISCOVER (1-800-347-2683). DISCOVER 27 SDSN6A01 0022205 KATHY KNAUB 165 SALEM CHURCH RD MECHANICSBURG PA 17050-2835 Address, e-mail or telephone change? Go to www.Discover.com or print change in space above. New Balance Minimum Payment Due Account Number ending in 8200 $12,721.30 1S1,252,D0 Enter Amount Enclosed Below Payment Duo Date $ r January 22, 2011 L Please make check payable to Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $121.30. 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 Illrrrll,tt?rl?llr?rlrrrlll CHARLOTTE NC 28272-1084 Ittltllttl{,titlltttlttlilt ttlllltrtlrtlrtlttllttittittltlrtil 000001986618140952214127213000000000125200 Opening Date: November 28, 2010 - Closing Date: December 27, 2010 Discover More Card Account Summary Account number ending in 8200 Previous Balance $12,629.89 Payments And Credits 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged + 56.41 Fees Charged + 35.00 New Balance $12,721.30 See Interest Charge Calculation section following transactions for detailed APR information Credit Line $12,600.00 Credit Line Available 000 Cash Advance Credit Line $6,300.00 Cash Advance Credit Line Available $0.00 You may be able to avoid Interest Charges, see Additional Important Information for details. Cashback Bonus® Anniversary Month January Opening Cashback Bonus Balance $ 26.79 New Cashback Bonus This Period + 0.00 Redeemed This Period - 26.79 Cashback Bonus Balance $ 0.00 To learn more, login 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 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. page 1 of 2 Payment Information New Balance $12,721.30 Minimum Payment Due* $1,252.00 Payment Due Date January 22, 2011 *Includes past due amount of $997.00 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 $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 20.24% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: ;:: Wd -;e dtl?t?Ct??lWl'g??'`'?? Ik?B? . • • t • 'si?.3a ?7 s sp. OpfFfx s• ::5 '?C1,tiPt•q;?.' fl`,•, i d? x.:, 3:k;'.$.''.`..?,?.. <e;•..rnr'.I Only the minimum 15 years $16,336 payment If you would like information about credit counseling services, call 1-800-347-1121. Manage Your Account Online at www.Discover.com • Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements,. pay bills online and easily track all transactions • Make your money worth moresm----find easy ways to earn and redeem cash rewards • NEW! Access your account securely through your mobile phone Transactions Fees Trans, Post Date Date Dec 22 Dec 22 LATE FEE 35.00 TOTAL FEES FOR THIS PERIOD 35.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 56.41 INTEREST CHARGE ON CASH ADVANCES 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER II Paperless statements mean less clutter, more convenience Easily access up to 24 months of downioodable, password protected statements. • See your statement as soon as it's available rather than wait for it to 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 Dix-er Bank, Member MIC Transactions Trans. Post (cont.) Date Date Interest Charged INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR TM PERIOD o U) z D 0 0 N $ 0.00 N 0 56.41 X V 2010 Totals Year-to-Date TOTAL FEES CHARGED IN 2010 $ 208.00 TOTAL INTEREST CHARGED IN 2010 654.88 PAPER 03 10 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). DISC?VER• It pays la KATHY KNAUB Account number ending in 8200 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' 08/16/2010 and after 10.24% V $459.42 $3.86 08/15/2010 and prior 5.24% V $12,197.71 $52.55 Cash Advances 23.99% V $0 $0 V =: Variable Rate ' Dates apply to non-promotion) purchases and to expired promotions with start dotes within the specified date range Additional Important Information. See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Call 1-800-347-2683. What To Do ff You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30,421, Salt Lake City, UT 84130-0,421. In your letter, give us the following information: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Description of Prob em: If you think there is an error on your bill, describe what you believe is wrong and why you believe if is a msts e. 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 tolled the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. • While you do not have to pay the amount in question, you ore responsible for the remainder of your balance. _ We can apply any unpaid amount against your credit limit. Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due an the purchase, To use this right, all of the following must be true: 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 bosed on an advertisement we.mailed to you, or.if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Discover, PO Box 30945, Salt Lake City, UT 84130-0945 While we investigate, the same rules caeply to the disputed amount as discussed above. Aker 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 ail or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the n' Due Date. Send only your payment and the top portion of this statement in the envelope pprovided. Do not send cash. By sending your check as described above, you auth orize us to use information on your check to make l electronic fund transfer from your account at the financial institindicated on your check or to process the _ payment as a check transaction. If payment is processed as an electronic 1. nd transfer, the transfer will be for the amount of the check. When we use iniormation from your cheek to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and Y. 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 wish your payment, if you send the payment to any dher address or if you use an envelope other than the one provided. Payments received m proper n! at our processing facility by 5PM bcal time on any dayy will be credited to your Account as of that day. Payments received at our proeessmg Facihy aker 5PM local time will he credited to your Account as of the next day. IF you have misplaced your envelope, send your payment to Discover, PO Box 6103 Carol Stream, IL 60 1 97-6 1 03. Please allow 7-10 days for delivery. If your payment is returned unpaid, we reserve the rig?it to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION SCOVER 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 1-80Q34?-2683. Automatic payments will be deducted on the Payment Due Dario unless you request a payment date that occurs before your Payment Due Date. IF yyour scheduled payment date falls on a weekend or bank holiday, your pa ment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly pa menfs by telephone, you will need this statement and your bank account information. You will be asked to provide the last {our (4) digits of the social security number of the primary borrower. By providing those numbers as your electronic si nature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in?he 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 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. ff 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 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 Raporiting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write DE 19850 address PO B 5316 Pl ase indicate name Di 15316 Wil i t t th f ll i add co , . e your , scover, ox , m ng on, - us a e o ow ress: ng 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 o on your billing statement, unless a transaction is posted to your Account after the close of the billing period in which B occurs, o in which case we begin to impose interest charges on that transaction from the First day of the billing Veried in which it is l h h d °, t e ate you pay your entire New Balance s own on posted to your Account. We continue to impose interest Charges unti your in statement by making payments or receiving credits. If you paid the New Balance on your previous billing De ll I Ch h h h b ll N ,°„ ing statement, we wi not impase nterest arges on new p?+rc oses, Date s own on t at i statement by the Payment earin on the current billin or an ortion of anew urchase the Pa ment Due that is urchases First a statement id b X g y p y , p pp gg , p , pa y Date on your current billing statement. We call this the "grace period. It is not lass than 25 days. There is no Croce pentad on balance transfer or cash advances. As more fully described in the section of your Cardmember Agreement titled "How l b d h P f l ll l bl h h y payments to your Account on t We App y Paymentwe genera app ase e A e balance o R app ica e to t eac l b h P F d h N B h D h l b t . t i e current il e ayment transaction category. T is means i you o not pay t e ew a ing statement y t ue ance your t Date shown on that billing statement, then, depending on the amount of your payment and the APRs on other balances, you may not get a grace period on new purchases. Annual Pee. IF your Account has an annual fee, it will be billed at the beginnin of each anniversary year your Account is open. The amountlof 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 date of the statement on which the fee is billed. You will receive this refund even if you use your Card during that period. How We Calculate Interest Charges - Daily Balance Method (including current transactions): We figure Interest Charges for each billing period. To do this: • We calculGte 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 j d h l d " l " ad in t ustments require e section tit e Paying interest ). In ca culating the daily balance for the first day ofthe billing period we consider the "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 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 Dote shown on your billing statement, unless the transaction is posted to your Account after the close of the billing period in which it occurs, in which case the ll b d h d l b l h b transaction wi ded to t e a e ai y a ance as of the first day of t e illing period in which it is posted to your Account. All fees charged to your Account are added to the standard purchase transaction cate ory with the exce tion of Cash Advance g p 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 an 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 offer 6 months, or as otherwise required by applicable jaw. For.TDD Iffel"mrimunkations Device far.the-Deaf) azwstance, please call 1-800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discaverocard is issued by Discover Bank, Member FDIC OITBK172 lnformotion For You * * * ATTENTION * * * Your account is seriously past due. Payment of the amount due and arrangements For future payments should be made immediately. Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). DISCOVER` New Balance Minimum Payment Due] $12,571.44 $1,250.00 _ Payment Due Date February 22, 2011 27 SDSN6A01 0022206 KATHY KNAUB 165 SALEM CHURCH RD MECHANICSBURG PA 17050-2835 Account Number ending in 8200 Ent 3r Amount Enclosed Below r- 7 L_- Please make check payable to Discover Card. Minimum pa menI due includes a past due amount of $1,008.0,0 Phone andinternet payments must be made by 5:OOpm ET For some day osting. pTired of buying stamps? Go mobile! Make and schedule payments from your phone with the Discover app. Irs fast and it's free. D )wnload now at discover comlapps PO BOX 71084 IllrnllrIt It lrllurIII till CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? 1111111111111111 till uinlnir1n11 Go to www.Discover.com or print change in space above. 0000019866281,40952214125714400000000126000 tpemng uate: uecemaer zo, Z V I v - %AQWny WUM. sU Discover More Card Account Summary Account number ending in 8200 Previous Balance $12,721.30 Payments And Credits 244.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged + 59.14 Fees Charged + 35.00 New Balance $12,571.44 See Interest Charge Calculation section following transactions for detailed APR information Credit Line $12,600.00 Credit Line Available $0.00 Cash Advance Credit Line $6,300.00 Cash Advance Credit Line Available $0.00 You may be able to avoid Interest Charges, see Additional Important Information for details. Cash back Bonue Anniversary Month January Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 I Cashback Bonus Balance $ 0.00 To learn more, log in at wvvw.Discover.com wary 27, 2011 page 1 of 2 Payment Information New Balance $12,571.44 Minimum Payment Due* $1,260.00 Payment Due Date February 22, 2011 *Includes past due amount of $1,008.00 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 20.24% 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: I Only the minimum I 15 years 1 $16,145 1 payment I 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.Discovor.com . Access free online tools like Paydown Planner to create a plan 2. Call 1-800-DISCOVER (1.800.347.2683) Please have your Discover® card available. to pay down your balance, securely access statements, pay bills online and easily track all transactions 3. Write to us-at Discover PO-Box 30943,- - - Salt Lake City, UT 841 §0 (Not a payment address) Mak® our money worth mores-find easy ways s to earn Y Y Y Y For payments, please send to address on remittance or and redeem cash rewards Discover, PO Box 6103, Carol Stream, It 60 1 97-6 1 03 • NEW Access your account securely through your For TDD (Telecommunications Device for the Deaf) mobile phone assistance, please call 1-800.347-7449. Transactions Trans. Post Date Date Payments and Credits Jan 27 Jan 27 PHONE PAYMENT -THANK YOU $ -244.00 Fees Jan 22 Jan 22 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD 35.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 59.14 INTEREST CHARGE ON CASH ADVANCES 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCIPVER 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/paperfess 02010 Diw er Bank, Member FDIC PAPM0310 Transactions Trans. Post (cont.) Date Data Interest Charged INTEREST CHARGE ON BALANCE TRANSFERS $ 0.00 TOTAL INTEREST FOR THIS PERIOD 59.14 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 $ 35.00 TOTAL INTEREST CHARGED IN 2011 59.14 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). Z m 0 0 N N 0 m b V DISCOVER It PaYs to I ATHY KNAUB DISCQYIPLI ikccount number ending in 8200 page 2 of 2 Interest Charge Calculation ' »r 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* 11/16/2010 and after 15.24% V $70.74 $0.92 08/16/2010 to 11/15/2010 10.24% V $427.92 $3.70 08/15/2010 and prior 5.24% V $12,243.'i7 $54.52 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 Information. See your Carcimember Agreement. Your Cardmember Agreement contains all the terms of your Account. Last 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. n your letter, give us the fallowing information: Account information: Your name and account number. • Dollar amount; The dollar amount of the suspected error. • Deacri lion of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it,, a misty e. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writi . You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining cn.,unt 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 beenmore than $50. (Nate; Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or serrvices.) 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 writing at: Discover, PO Box 30945, Salt Lake City, UT 841300945 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 may pay all or pad of your Acc0Unt 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 rovded. Do not send cash. By sending your check as described above, you authorize us to use information on your check Fpp 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 same day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment maybe delayed if you send cash, correspondence or other items with your payment, if you send the payment o any other address or if you use an envebpe other than the one provided. Payne received in proper form at our processing taciliy by SPM local fine on any d will be credited to your Account as of that day. Payments race'+ved at our processing 14 'b after 5PM kxal time will credited to your Account as of the next day. tF you have mispj c d your envebpe, send your payment to Discover, PO Box 6103 Carol Slrenm, IL 60197.6103. Please allow 7.10 days For delivery. If your payment is retuned unpaid, we reserve the rig(it to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER r 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 Die service representative by calling 1-800-34i 2683 Automatic pa ants 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 pa ment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly pa ments 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 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 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, Salt 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 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 alE 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 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: z Grodit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 198505316. 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 continue to impose Interest Charges until the date you Pay your entire Flew Balance shown on your billing statement by making payments or receiving credits. IF you paid the 1Vew Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose Interest Charges on new purchases, that is, purchases first appBaring on the current billingg statement, or anX potion o a new PPurchase, paid by the Payment Due Data on your cunent billing statement. We call this tFie "grace period. It is not less than Z5 days. There is no race Period on balance transfers or cash advances. As more Fully described in the section of your Cordmember Agreement titled "How We Apply Payments," we generally 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 the New Batan<e on the current billing statement by the Payment Due Date shown on that biElmg 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 our Account is open. The amount of the fee appears on the statement when the fee is billed. The annual fee is not refundable unless you notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the fee is billed. You will receive this refund even if you use your Card during that period. How We Calculate Interest Charges • Daily Balance Method (including current transactions(: We figure Interest Charges For each billing period. To do this: • We ealcu:ote 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 en subtract any credits and payments and make other adjustments (including those ad*Justments required in the section titled "Paying Interest"). In calculating the Baily balance for the first day of the billing period, we consider the "previous day's doily 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 deity periodic rate, for each day in the billing period, • The total Interest Charges for the billing period are the sum of the doily Interest Charges for each transaction category for each day during that billing period. When we calculate doily balances, we add a new transaction as of the Transaction Date shown on your billing statement, unless the transaction is posted to your Account after the close of the billing period in which it occurs, to which case the transaction will be added to the daily balance as of the first day of the billing period in which it is posted to your Account. All 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 ou. 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 offer 6 months, or as otherwise required by applicable law. For MD (*elocommurrentions Device for the Deaf) ass?staeco,t-,..`ease 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 01TBk172 Information For You * * * ATTENTION * * * Your account is seriously past due. Payment of the amount due and arrangements For future payments should be made immediately. Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683. D1 'f,, ?VER. Now Balance Minimum Payment Duel $12,534.49 1,511.00 Payment Due Date March 22, 2011 27 SDSN6A01 0022207 KATHY KNAUB 165 SALEM CHURCH RD 14ECHANICSBURG PA 17050-•2835 Account Number ending in 8200 Entrar Amount Enclosed Below Please make check payable to Discover Card. Minimum yment due includes a post due amount of $1,260.00. Phone and Internet payments must be made by 5:00pm ET for some daypo stin Tiredb 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 Illrrrllrr,nlrllrrrlrnlll CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? lrrlrllrrlrrrlrllrIII irlllrrrllll.Bill rlrrlrrllrrlrrlrrlrlrrll Go to www.Discover.com or print change in space above. 00000198661814095227,41253449000000001511x00 27, 2011 page 1 of 2 opening vate: January zts, zu I I - Uosmg uate: Discover More Card Account Summary Account number ending in 8200 Previous Balance $12,571.44 Payments And Credits 130.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Fees Charged + 35.00 Interest Charged + 58.05 New Balance $12,534.49 See interest Charge Calculation section following transactions for detailed APR information Credit Line $12,600.00 Credit Line Available 0.00 Cash Advance Credit Line $6,300.00 Cash Advance Credit Line Available $0.00 You may be able to avoid Interest Charges, see Additional Important Information for details. Cashback Bonus' Anniversary Month January Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cosh6ack Bonus Balance $ 0.00 To learn more, log in of www.Discover.com 3 Easy Ways to Contact Us 1. Access your account securely of www.Discover.corn 2. Call 1.800-DISCOVER (1-800-347-2683) Please have your Discover@ card available. 3. Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60 1 97-6 1 03 For TDD {telecommunications Device for the DeaQ assistance, please call 1.800.347-7449. Payment Information New Balance $12,534.49 Minimum Payment Due* $1,511.00 Payment Due Date March 22, 2011 *Includes past due amount of $1,260.00 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 increosed up to the Penalty APR of 20.24% 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: Onlythe minimum 15 years $15,983 If you would like information about credit counseling services, call 1-800.347.112.1. 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 Date Date Payments and Credits Feb 13 Feb 13 INTEREST CHARGE REFUND $ -130.00 Fees Feb 22 Feb 22 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD 35.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 58.05 INTEREST CHARGE ON CASH ADVANCES 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER ,r i Paperless statements mean less clutter, more convenience Easily access up to 2,4 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 ycur mobile phone. i • Print a paper copy of your statement anytime. • Sign up today at Discovercom/paperless ®2010 Dixover Bonk, Member FDIC PAPER.0310 Transactions D ? Z Trans. Post Cont.! Date Date D 0 Interest Charged INTEREST CHARGE ON BALANCE TRANSFERS $ 0.00 0 N 0 v TOTAL INTEREST FOR THIS PERIOD 58.05 0 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 $ 70.00 TOTAL INTEREST CHARGED IN 2011 -12.81 Questions? Visit www.Discover.com or DISCOVER call i -800-DISCOVER (1-800-347-2683). DISCOVER u pays to KATHY KNAUB nisr-oym i Account number ending in 8200 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* 11/16/2010 and after 15.24% V $55.35 $0.73 08/16/2010 to 11115/2010 10.24% V $420.08 $3.62 08/15/2010 and prior 5.24% V $12,061.36 $53.70 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 Information For You * * * ATTENTION * * * Your account is seriously past due. Payment of the amount due and arrangements for future payments should be made immediately. Additional Important Irrformation See your Cordmember 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. • Descri t' on 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 mute ce. 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 colt us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. s 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 Riahts 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 tied in good faith to correct the pro blem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid For the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Discover, PO Box 30945, Salt Lake City, UT 84130-0945 While we investigate, the 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 part of your Account balance at anytime. 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 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 trim your check to make an electronic fund transfer, funds be withdrawn from your account as soon as the some day we receive your payment, and you will not receive your check From From your financial institution. The rocessing of yyour payment may be delayed if you sand cash, correspondence or other items with your payment,- if you send the payment to an other address or if you use an envelope other than the one provided. Payments received in proper form at our processing facility by 5PM local time on any dayy will be credited to your Account as of that day. Payments received at our processing faeihty after SPM local time will be credited to our Account os of the next day. If you have misplaced your envelope, send your poymeat to Discover, PO Box 6103 Carol Stream, IL 60197 6103. Please allow 7-10 days for delivery . If your payment I. returned unpaid, we reserve the rd I. resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your scheduled monthly payment or a realer amount that does not exceed your current Account balance over the telephone or you can setae 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 scheduled payment date falls on o weekend or bank holiday, your Me ent will be processed the business day for to the weekend or bank holiday. In order to schedule monthly pa ments by phone, you will need this statement and your bank account information. You will be asked to provide the last four Al (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 opplicable, to correct an error in the processing of such payment. You can cancel at scheduled payment by phone at 1-800347-2683 or by mail at Discover, PO Box 30421 Salt Coke 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 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 maybe 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 Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write U) us at the following address: Discover, PO Box 15316, Wilmington, DE 19850',5316. Please indicate your name, address, ? home telephone number and Account number. Pairing Interest We begin to impose interest charges on a transaction fee or interest charge from the day we add it to the o daily balance. We continue to impose interest charges until you pay tie total amount you owe us. You can avoid paying o interest on Purchases as described below. However, you cannot avoid paying interest on Balance Transfers or Cash Advances. N 0 V How to Avoid Paying Interest on Purchases I"Grace Period" -n ff you paid the New Ba Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases, or any portion of a new Purchase, paid by the Purchase Due Date on your current billing statement. new Purchases are Purchases that first appear on the current billing statement. How We Apply Payments Maact r Grace Period it you do pay your By.?. ce mYoueac t month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. How We Calculate Interest Charges - Daily Balance Medved (including current transactions): We calculate interest charges each billing period by first figuring the "daily balance" for each Transaction Category . Transaction Categories include standard Purchases, standard Cosh Advances and different promotional balances, such as Balance Transfers. How We Figure the Daily Balance for Epch Transaction Category • We start with the beginning balance for each day. The beginning balance for the first day of the billing period is y.o6ir balance.on the last day of your previous billing period. • We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We add any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account. • We' subtract any new credits and payments. • We make other adjustments (including those adjustments required in the "Paying Interest" section). How We Figure Your Total Interest Charges • We multiply the daily balance for each Transaction Category by its daily periodic rate. We do this for each day in the' billing period. This gives us the interest charges for each Transaction Category. To get a daily periodic: rate, we divide the APR that applies to the Transaction Category by 365. • We add up all the daily interest charges. The sum is the total interest charge for the billing period. How We kiclude fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category We add Cash Advance Fees to the applicable Cash Advance ransaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subieet iro Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. 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 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 hy_ applicable law. - For TDD (Telecommunications Dovke 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 RZNFE001 Questions? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683). DISCOVER New Balance $12,621.84 Minimum Payment Due $1,764.00 _ Payment Due Date April 22, 2011 27 SDSN6A01 0022208 KATHY KNAUB 165 SALEM CHURCH RD MECHANICSBURG PA 17050-2835 Account Number ending in 8200 Enter Amount Enclosed Below $L Please make check payable to Discover Card. Minimum ymant due includes a past due amount of $1,511.00, Phone and internst paympe?nts must be made by S:OOpm ET for same day 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 111tr111nurl1H111111JII CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? („?,{lirllll(tll1111)tl?{tllllll,i,(,Ill,likllil(li(iill(I,Ii Go to www.Discover.com or print change in space above. 00000198661814095222],4126218400000000],76400 Dpening Date: February ;as, Zu I I - 1.1051139 vane: Inai Discover More Card Account Summary Account number ending in 8200 Previous Balance $12,534.49 Payments And Credits 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Fees Charged + 35.00 Interest Charged + 52.35 New Balance 12,621.84 See Interest Charge Calculation section following transactions for detailed APR information Credit Line $12,600.00 Credit Line Available $0.00 Cash Advance Credit Line $6,300.00 Cash Advance Credit Line Available $0.00 You may be able to avoid Interest Charges, see Additional Important information for details. Ca5 back Bonus' Anniversary Month January Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 To learn more, ioa in at www.Ditcover.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; PC, Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6 T 03, Carol Stream, IL 60 1 97-6 1 03 For TDD (Telecommunications Device for the Deal) assistance, please call 1.800-347.7449. ch 27, 2011 page i or z Payment Information New Balance $12,621.84 Minimum Payment Due* $1,764.00 Payment Due Date April 22, 2011 *Includes past due amount of $1,511.00 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 20.24% 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: ..!.!:I?N:!; aft:;' d'O ?tl:?'V?llii!t:;. >,f•::?li:6f "'b`ih`%ijyy,f!::. Only the minimum 15 years $16,032 payment If you would like information about credit counseling services, call 1-800.347.1121. Manage Your Account Online at www.Discover.com • Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions • Make your money worth moresm-find easy ways to earn and redeem cash rewards • NEW Access your account securely through your mobile phone Transactions Trans. Post Date Date Foos Mar 22 Mar 22 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD 35.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 52.35 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCAVER Paperless statements mean less clutter, more convenience Easily access up to 2,4 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 onytime. • Sign up today at Discovercom/paperless 02010 Discover aaA, Member FDIC YAPfR.0310 Transactions rn b Z I Trans. Post (cont.) Date Date n o 0 0 N Interest Charged TOTAL INTEREST FOR THIS PERIOD N $ 52.35 c 2011 Totals Year-to-Date X TOTAL FEES CHARGED IN 2011 $ 105.00 TOTAL INTEREST CHARGED IN 2011 39.54 Questions? Visit www.Discover.com or call 1-800-DISCOVER 11-800-347-2683. DlSC•VEIZ DISCOVER I KATHY KNAUB r1 SCCVFR' J Account number ending in 8200 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 ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE (APR) INTEREST RATE Purchases' 111/16/2010 and after 15.2A% V $35.92 $0,41 08/16/20110to11/15/2010 10.24% V $411.23 $3.23 08/15/2010 and prior 5.24% V $12,112.56 $48.71 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 Information For You * * * ATTENTION * * * Your account is seriously past due. Payment of the amount due and arrangements for Future payments should be made immediately. Additional Important Information See your Cardmember Agreement. Your Cardmem6er Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Call 1.800-347.2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30421, 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. • Descri 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 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 G e 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 may. a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. Your Rights If You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you hove purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the Following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid For the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Discover, PO Box 30945, Salt Lake City, UT 84130.0945 While we investigate, the some rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Payments. You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum y . Send only your payment and the top portion of this statement in the envelope Payment Due by the Payment Due Date provided. Do not send msh. B sending your ch am y eck as described above,y P. authorize us to use information on your check to make an electronic Fund hansfar Frour account at the Financial Institution indicated on your check or to process the sed as an electronic fund transfer, the transfer will be For the amount of paymerd as a cheek hansacfion. IF payment is proces the check. When we use information Irom your check to make an electronic fund transfer, funds may be withdrawn from your account cs 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 moy be dekayed if you send cash, correspondence or other items with yourpayment, "you send the payment to any other address or if you use an envelope other Lhan the one provided. Payments received in proper form at our processing facility by 5PM kxal time on any dayy will be credited to your Account as of that day. Payments received at our processmg facility after SPM 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 Caro! Stream, IL 60197 6103. Please allow 7-10 days for delivery. If your payment is refumed unpaid, we reserve fihe rig t to resubmit it as an electronic debit. NOITCE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER You can pay your scheduled monthly payment or a rector amount that does not exceed your current Account balance over h a customer service representative by calling 1-800-347.2683. ments throu t mat c a t h h l g o i p y up au one or you can se t e te ep Automatic payments will be deducted an the Payment Due Date unless you request a payment date that occurs before your your payment will be processed the ment date foils on a weekend or bank holiday our scheduled a If t D e D t P , y p y aymen u a e. business day prior to the weekend or bank holiday. In order to schedule monthly pa ants 6g telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4) gits 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 applicable, to correct an error hone at 1-800.347-2683 or by mail at ment b l a scheduled a t Y f h y p p y ou can cance paymen . suc in the processing o PO Box 30421, Salt Lake City, UT SA I 30042 1; however we must receive notice at least three business days in Discover , advance a1 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 fill-in the following blanks balow and retain the authorization for your records. Amount: ? Full Pay ? Min Pay ? Min Pay + $ Bank Routing #: ; Bank Account #: Frequency: Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defauhs on your Account may be reflected in your credit report. We normally report the status and payment history of it l t l e e, p ease wr e your Acc nt to credit reporting agencies each month. IF you believe that our report is inaccurate or incomp Wilmington, DE 198505316. Please indicate your name, address, PO Box 15316 address: Discover us at the folowin mo , , g no number and Account number. home tole z m ? apir Into We begin to impose interest charges on a transaction, fee or interest charge from the day we add it to the P daily balance. We continue to impose interest charges until you pay the total amount you owe us. You can avoid paying o interest on Purchases as described below. However, you cannot avoid paying interest on Balance Transfers or Cash N Advances. How to Avoid Pa in Interest on Purchases "Grace Period'"" you pat the Now nce on your previous billing statement by the Payment Due Date shown on that billing statement, we will not im inter charges on new Purchases, or any portion of anew Purchase, paid by the Purchase Due Date on your current bil ing statement. new Purchases are Purchases that first appear on the current billing statement. How We Apply Payments Mov Impact Your Grace Period you o rig{?i pay your Now a once sn eac mont ,ten, depending on the balance to which we apply your payment, you may n I get a grace period on new Purchases. How We Calculate Interest Charges - Doily Balance Method (including current transactions): We calculate interest charges each billing period by first figuring the "daily balance" for each Transaction Category. Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers. How We Figure the Daily Balance for Each Transaction Category • We start with the beginning balance for each clay. The beginning balance for the first day of the billing period is your balance on the last day of your previous billing period • We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We add any now transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account. • We subtract any new credits and payments. We make other adjustments (including those adjustments required in the "Paying Interest" section). How We Figure Your Total Interest Charges We multiply the daily balance for each Transaction Category by its daily periodic rate. We do this for each day in the billing period. This gives us the interest charges for each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. • We add up all the daily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subiod to Interest Rafe. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. 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 if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable law. _ For MD (Telecommunications Device for the Deal) assistance, please call 1-800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discov6rocard is issued by Discover Bank, Member FDIC RzNFEOOt Questions? Visit www.Discover.com or D{SCWER call 1-800-DISCOVER (1-800-347-2683). DISCOVER New Balance [M$:;, nimum Payment Due Account Number ending in 8200 $0.00 270.00 Enter Amount Enclosed Below Payment Due Date $ -1 May 25, 2011 1 29 SDSN6A01 0022209 KATHY KNAUB 165 SALEM CHURCH RA MECHANICSBURG PA 17050-2835 Address, email 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. It's fast and it's free. Download now at discover.comlapps PO SOX 6103 11191111n11,1,ll,lnloll 1 CAROL STREAM IL 60197-6103 I, {L, I l r,„, t l l l,1„l r„L 11,,,,,111 f ,,,,,!!, I L 11„11„L, 1 1 000001986618140952214000000000000000227000 Opening Date: April 27, 2011 - Closing Date: April 29, 2011 Discover More Card Account Summary Account number ending in 8200 Previous Balance $12,621.84 Payments And Credits 12,621.84 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Fees Charged + 0.00 Interest Charged + 0.00 New Balance 0.00 page 1 of 2 Payment Information New Balance $0.00 Minimum Payment Due $2,270.00 Payment Due Date 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 20.24% variable. Manage Your Account Online at www.Discover.corn • Securely access statements and free online tools, pay bills online and track and view all transactions simply and easily • Make your money worth moresm-Find easy ways to earn and redeemcash rewords • NEWT Access your account securely through your mobile phone 3 Easy Ways to Contact us Cashback Bonus® 1. Access your account securely at www.Discover.com Anniversary Month 2. Call 1-800-DISCOVER (1-800.347.2683) January Please have your Discover® card available, Opening Cashback Bonus Balance $ 0.00 3. Write to us at Discover, PO Box 30943, New Cashback Bonus This Period + 0.00 Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Cashback Bonus Balance $ 0.00 Discover, PO Box 6103, Carol Stream, IL 60197-6103 To Learn more, tog in at www.Diacover.com For TDD (Telecommunications Device for the Deal) assistance, please call 1.800.347-7449. Transactions Trans. Post Date Date Payments and Credits Apr 30 Apr 30 INTERNAL CHARGE-OFF $ .12,621.84 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 $ 105.00 TOTAL INTEREST CHARGED IN 2011 39.54 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloada6le, 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. f • Print a paper copy of your statement anytime. • Sign up today at Discover corn/papedess (D2010 Discover Bank, Member FDIC PAPER.0310 4 z Z o_ o NN N 0 f0 N X w ? Questions? Visit www.Discover.com or p?SC?VER call 1-800-DISCOVER 11-800-347-2683). DISCOVER DISC (ER ? KATHY KNAUB din in 8200 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Period: 3 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE (APR) INTEREST RATE Purchases' 11/16/2010 and after 15.24% V $0 $0 (18/16/2010 to 11/15/2010 10.24% V $0 $0 08/15/2010 and prior 5.24% 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 Information See your Cordmomber Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately[ Call 1-800-347-2683. What To Do If You Think You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30421, 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. • Descrf lion 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 mistake. You must contact us within 60 days after the error appeared on your statement. You must ratify us of any potential errors I -WPTM. You may call us, but if you do we are not required to investigate any potential errors and you may hove to pay the amount in question. While we investigate whether or not there has been an error, the following are true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question ma remain on your statement, and we may continue to charge you interest on that amount. But, if 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 B7ahts If You Are Dissatistled 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 hue: 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 youthe-goods-or services:) - -- 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Discover, PO Box 30945, Salt Lake City, UT 84130.0945 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Payments You ypay all or part of your Account balance at anytime. However, you must pay at feast the Minimum Payment Due by the Payment Due Date. Send only your payment and the top on of this statement in the envelope provided. Do rat send cash. By sanding your check as described above, you autfwrize us to use information on your check to make an electronic fund transfer from your account at the financial institution icated on your check or to process the ayment as a check transaction. IF paymeat 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 moy 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 reserved m proper form at our processing facility by 5PM local time on any dayy will be credited to your Account as of that day. Payments cessing facdrly after 5PM local time wJl be credited to your Account as of the next day If you have received at our pro pe, send your payment to Discover, PO Box 6103 Carol Sheom, IL 60197.6103. Please allow 7.10 misplaced your envelo dogs for delivery . if your payment is resumed unpaid, we reserve the rlgtit 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 baiarce ov: the telephone or you can setup automatic payments through a customer service representative by calling 1-800-347-2? 33 Automatic pa menu wilt be deducted on the Payment Due Date unless you request o payment date that occurs before )ur Payment Due Date. If your scheduled payment date falls on a weake or bank holiday, your payment will be procoszecl Ilia business day prior to tF a weekend or bank holiday. In order to schedule monthly payments b telephone, you will m9o i fl- statement and your bank account information. You will be asked to provide the last Four (4) digits of the social securit, statement number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to thi authorization to allow us and your bank to deduct each payment you authorize, in the omoimt 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 c,nc r in the processing of such payment. You can cancel a scheduled payment by phone at 1-804347-2683 or by mail a• Discover, PO Box 30421, Salt Lake City, LIT 84I 30.0421; however we must receive notice at least three business cc),,, in advance of the scheduled payment. If your payments may vary in amount, we will tell you cn each monthly statement Nhen your payment will be made and how much Mill be. You must ensure that sufficient Funds are available in your bark 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 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: ? Fulf Pay . ? Min Pay ? Min Pay + $_ Bank 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 your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write o us at the following address: Discover, PO Box 15316, Wilmington, DE 19850.5316. Please indicate your name, address, CO home telephone number and Account number. Z Paying Interest We begin to impose interest charges on a transaction fee or interest charge From the day we add it to the o daily balance: We continue to impose interest charges until you pay t[ a total amount you owe us. You can avoid paying 00 interest on Purchases as described below. However, you cannot avoid paying interest on Balance Transfers or Cash Advances.. N 0 How to Avoid P i Interest on Purchases i"Grace Period" H [F you pair the New ciante on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases, or any portion of a new Purchase, paid by the Purchase Due Dote on your current billing statement. new Purchases are Purchases that first appear on the current billing statement. How We Apply Pa menu M F ct Your Grace Period you o not pay your Now a once in each month, then, depending on the balance to which we apply your payment, you may riot get a grace period on new Purchases. How We Calculate Interest Charges . Daily Balance Method (including current transactions): We calculate interest charges each billing period by first figuring the "daily balance" for each Transaction Category. Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers. Flow We Figure the Daily Balance for Each Transaction Category • We start with the be?inning balance for each doy. The beginning balance for the first day of the billing period is your. balance on.the, ast day of your previous billing peri • We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We add any new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account. • We subtract any new credits and payments. • We make other adjustments (including those adjustments required in the "Paying Interest" section). How We Figure Your Total Interest Charges We multiply the Baily balance for each Transaction Category by its daily periodic rate. We do this for each day in the billing period. This gives us the interest charges for each Transaction Category. To get a daily periodic: rate, we divide the APR that applies to the Transaction Category by 365. • Wle add up all the daily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. We add Cash Advance fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. 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 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 MD (Telecommunications Device for the Dech) 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 Discover0cord is issued by Discover Bank, Member FDIC RZNFEOOI Questions? Visit www.Discover.com or DISC?VEI?. call 1-800-DISCOVER (1-800-347-2683). • w DISCOVER BANK, Plaintiff, V. KATHY A. KNAUB, Defendant COURT OF COMMON PLEAS OF CUMBERLAND COUNTY Docket No. 11-6471 CIVIL PETITION TO WITHDRAW AS COUNSEL 1 ? LJ'f w? C:` C) r<< CD The undersigned counsel for Defendant, KATHY KNAUB (hereinafter "Defendant"), respectfully requests leave to withdraw under the provisions of Rule 120 of the Pennsylvania Code: 1. Irreconcilable differences have arisen between undersigned counsel and Defendant making it impossible for undersigned counsel to continue in the representation of Defendant in the above-styled matter. 2. No harm or prejudice will result to Defendant in the event this Motion is granted. 3. This motion is made in good faith and not for the purpose of delay. WHEREFORE, undersigned counsel respectfully requests that this Court enter an Order Granting this Petition to Withdraw and directing that all further pleadings and correspondence be directed to Defendant, KATHY KNAUB, at 165 Salem Church Rd., Mechanicsburg, PA 17050. CERTIFICATE OF SERVICE I HEREBY CERTIFY that a true and correct copy of the foregoing was sent via Regular U.S. Mail to David J. Apothaker, Esq., Apothaker & Associates, P.C., Attorneys for Plaintiff, 520 Fellowship Road C306, Mount Laurel, NJ 08054, on this the day of March, 2012. HENRY PORTNER, ESQ. Bar No.: 17599 CONSUMER ATTORNEYS OF AMERICA, P.A. Attorneys for Defendant Suite 305 5379 Lyons Road Coconut Creek, FL 33073 Telephone: (888) 861-0361 Facsimile: (954) 671-4171 DISCOVER BANK, IN THE COURT OF COMMON PLEAS OF PLAINTIFF CUMBERLAND COUNTY, PENNSYLVANIA V. KATHY A. KNAUB, DEFENDANT 11-6471 CIVIL TERM ;? ORDER OF COURT AND NOW, this ! day of March, 2012, a Rule is issued on Plaintiff and Defendant to show cause why the petition of counsel for Defendant to withdraw should not be granted. Rule returnable twenty (20) days after service by the Petitioner. By the Court, Albert . Masland, J. David J. Apothaker, Esquire For Plaintiff Henry Portner, Esquire -?, For Defendant == ^' Kathy Knaub 165 Salem Church Road <r r-= -'? Mechanicsburg, PA 17050 ? w i :saa Cpp;?'s mu ?cl 31 , Our File No.: 322891 APOTHAKER & ASSOCIATES, P.C. By: 13cpijamin .l. Cavallaro, Esquire Attorney I.D. #307949 520 Fellowship Road 0306 Mount Laurel, NJ 08054 (800) 672-0215 Attorneys for Plaintiff DIS('OVER BANK Plaintiff vs. KATHY A KNAUB Defendant r ^0 T (,0?q0 MAR 12 Rl 2: UMBERLA D COUNT" 1') E?4NSYLVANfA COURT OF COMMON PLEAS OF CUMBERLAND COUNTY NO.: 11-6471-CIVIL Civil Action PRAECIPE TO WITHDRAW MOTION FOR SUMMARY JUDGMENT TO THE PROTHONOTARY: Kindly withdraw Plaintiffs Motion for Summary Judgment. Dated: March 6. 2012 APOTHAKER & ASSOCIATES, P.C. Attorney for Plaintiff A Law Firm Engaged in Debt Collection BY: Benja in J. C vallaro, Esquire Gur File No.: 322891 APOTHAKER & ASSOCIATES, P.C. BY: David J. Apothaker, Esquire Attorney LD.# 38423 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Attorney for Plaintiff DISCOVER BANK Plaintiff, vs. KATHY A KNAUB Defendant rIi LVl3 sU Hr r PCtT e ??Jt) 2012 MAR 19 AM 11: 4 5) CUMBERLAND COUNT PENNSYLVANIA COURT OF COMMON PLEAS CUMBERLAND COUNTY NO. 11-6471-CIVIL PRAECIPE TO DISMISS WITHOUT PREJUDICE TO THE, PROTHONOTARY: Kindly dismiss this action without prejudice. APOTHAKER & ASSOCIATES, P.C. Attorneys foplamtiff A Law Firm Enmzed in/Debt Collection By: Dated: 3/6/2012 David J. ApZ Maker, Esquire 11111111111111111111111111 IN RE: IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, DISCOVER BANK PENNSYLVANIA Plaintiff 11-6471 CIVIL TERM V. Kathy Ann Knaub, Defendant SUGGESTION OF BANKRUPTCY Defendant(s), Kathy Ann Knaub, show(s) that Defendant(s) has/have filed a petition for relief under Title 11, United States Code, in the United States Bankruptcy Court for the Middle District of Pennsylvania that has been assigned case number 1:12-bk-01170 and relief was ordered on February 29, 2012 and suggests that this action has been stayed by the operation of Title 11 U.S.C. §362. I declare under penalty of perjury that the foregoing is true and correct. P? .- Signature if Defendant(s) ?w ='r. ? Name: Kathy Ann Knaub ? - tfl -0 c r Address: 165 Salem Church Road C? ? r:, =) .' __tt Mechanicsburg, PA 17050 cn Phone: (717) 418-0412 Defendant(s)