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Home My WebLink About11-7770Pgil , _, C: i?IB r,R i:AP? TY , PENN, Y L,VA.NIA T, C ^r?r nlN 1? 71 CIVIL DIVISION Discover Bank, Through Its Servicing Agent, DB Servicing Corporation Plaintiff vs LEEANN BROWN Defendant No : 1 1-??-lb I COMPLAINT IN CIVIL ACTION FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt,42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 09322205 C A Pit SJS IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION Discover Bank, Through Its Servicing Agent, DB Servicing Corporation Plaint-if f LEEANN BROWN Defendant civil on No COMPLAINT AND NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 COMPLAINT 1. Plaintiff, Discover Bank, is a banking institution organized under the laws of the State of Delaware and maintains a business address of 12 Reads Way, New Castle, DE 19720. 2. DB Servicing Corporation is the servicing affiliate for Discover Bank, f/k/a Greenwood Trust Company, an FDIC-insured Delaware State bank. As the servicing affiliate, DB Servicing Corporation performs a variety of services for Discover Bank including, among other things, the collection of delinquent: accounts, marketing, application approval, transaction approval, customer service, and billing. The collection of delinquent accounts includes the right to forward the account to the attorneys and/or collection agencies for collection and to file suit on Discover Bank's behalf. 3. At all times pertinent hereto, DB Servicing Corporation is the servicing affiliate for Discover Bank, in reference to Defendant account, which is the subject of this litigation. 4. Defendant is adult individual(s) residing at 1234 BENT CREEK BLVD MECHANICSBURG, PA 17050 5. Defendant applied for and received a credit card bearing the account number XXXXXXXXXXXX1856 . 6. Defendant made use of said credit card and has a current balance due of $10139.97 , as of June 30, 2011 7. Defendant is in default by failing to make monthly payments when due. As such, the entire balance is immediately due and payable to P a t1Ft- 8. Plaintiff is entitled to the addition of interest at the rate of 29.990. per annum on the unpaid balance from June 30, 2011 . A copy of Plaintiff's STATEMENT is attached hereto, marked as Exhibit "1". 9. Although repeately requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the balance due the Plaintiff. WHEREFORE, Plaintiff prays for Judgment in its favor and against Defendant, LEEANN BROWN INDIVIDUALLY , in the amount of $10139.97 with interest at the rate of 29.990% per annum from June 30, 2011 until date of judgment and costs. ames 436 S Pitts (412) FAX: WWR# This law firm is a debt collector attem our client and any information obtained Warmbroaz,4G5G4 WEINBERG & REIS CO., L.P.A. th Avenue, Suite 1400 h, PA 15219 -7955 -338-7130 22205 C A Pit SJS ng to collect this debt for 11 be used for that purpose. New Balance Minimum Payment Due DISCOVER $10,139.97 $10,139.97_ Payment Due Date August 10, 2011 15 SDSN6A010006980 LEEANN BROWN 1234 BENT CREEK BLVD MECHANICSBURG PA 17050-1859 Oil PO BOX 6103 111/191111/ it 11111111111111 IF CAROL STREAM IL 60197-6103 W che? Address, 0-Mail or telephone ng 1.111111111111 1111111 1111111111111111111u11111111fill11111111 Go to www.Diecovor.com or print chhange in space above. e.? 000001986458515494090101399700000001013997 Data: July I, lu I I taosmg care: Jury 13, D'IScover More Card Account Summary Account number ending in 1856 Previous Balance $10,139.97 Payments And Credits 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Fees Charged + 0.00 Interest Charged + 0.00 New Balance 10,139.97 See Interest Charge Calculation section following transactions for detailed APR information Credit Line $8,300.00 Credit Una Available $0.00 Cash Advance Credit line $0.00 Cash Advance Credit Line Available $0.00 t.QsnbacK oonus- Anniversary Month February Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 To born more, log in at www.DiK*wr.com 3 Easy Ways to Contact Us 1 Access your account securely at www.D6c&vw.com 2. Call 1-800-DISCOVER (1.800.347.2683) Please haw your Discoverecard 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 9 7-61 03 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800.347-7449. Account Number ending in 1856 Enter Amount Enclosed Below Please make check payable to Discover Card. Minimum ymam due includes a past due amount of $': 449A0. Phone and ternet payments must be made by 5:00pm ET For some ?osfin Tired$f buying stamps? Go mobilel Make and schedule payments from your phone with the Discover app. Its fast and its free. Download now at dtscover.com/apps page 1 of 2 Payment Information New Balance $10,139.97 Minimum Payment Due' $10,139.97 Payment Due Date August 10, 2011 `Includes past due amount of $2,449.00 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 29.99% variable. Minimum Payment Warning: if you make only the minimum payment each period, you will pay more in interest and d will take you longer to pay off your balance. For example: ytxt nidkl?3to Yal wiq°pdy 0", 1 1,,, f5affslsdfflawtfilTt3 •LIFI this cord and thitstolixO ff iii estyrac hdfcital of; <. :v 17+rsnth youpaY; z?banl ... Only the minimum 10 years $10,140 payment if you would like information about credit counseling services, call 1.800.347.1121 Manage Your Account Online at www.Discaver.com • Access hoe online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track ON 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 9322205 Trans. DalePost Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged TOTAL MUM FOR THIS PERIOD $ 0.00 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 $ 210.00 TOTAL INTEREST CHARGED IN 2011 1,390.44 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER DISCOVER it pays to LEEANN BROWN DWOVER Account number ending in 1856 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Currerd sillfitg Period: 15 days TYPE OF BALANCE ANNUL CENTAGE B LA CT SUBJECT TO INTEREST CHARGE RATE Purchases 29.99% V $0 $0 Cash Advances 29.99% V $0 $0 V - Variable Rate Additional Fmpmfant 1o6 nrsalion See your Cardmember Agreement. Your Cordmember Agreement contains all the terms of your Account. Last or stolen cads. Report immediafelyl Cal 1-800.347-2683. What To Do N You Think You Firm A Mistake On Yaw Statement If you think them 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. Deseria?ion of Problem: If you think there is on error on your bill, describe what you belleve is wrwrg'artti ** Wig it is a mtsfa? 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 a 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 ore responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. Your Rights if You Are DksaNsfied With Your Credit Card Pumbases 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 mikes 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 Ihaf accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria aibove are mN and yy e still dissatisfied with the purchase, contact us in write at: Discover. PO Box 30945, Salt Lake Cii ,ar84130]U945 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 prov?dad. Do not send cash. B sending your chi:: as described above, you authorize us to use information on yaw check to make an electronic fund trans 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 on electronic fund transfer, funds may be withdrawn From your account as soon as the same day we receive your payment, and you will not receive your check back From your financial institution. The Processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to any otter addreas or iF you use an envelope oilier than the one provided. Payments reused in proper form of our processing Facility by SPM kxal time on any dayy will bs credited to your Account as of that day. Payments received at our pracesstng facih offer SPM kx al time will bs credited to ur Account as of the next day If you have misplaced your snvekspe, send your payment to Discover, F'O Box 6103 Carol Stream, IL 60197.6103. Please allow 7.10 days For delivery. If your payment is relumed unpaid, we reserve the rig?it to resubmit if as an electronic debit. You can pay your scheduled monthly payment or a realer amount that dou sat exceed your current Account balance over tM telephone or you can setupp automatic paymennts Axough o customer service entativo by calling 1-800.347-2683. Automatic payments will be deducted on the Payment Due Dads unless you o payment date that occurs before your Payment Dw Dafe. If your scheduledpayment date falls on a weekend ar bank holiday, your payment will be processed the business day prior to tf» weekend or bank holiday. In order to schedule may payments by irtephone, you will need this statement and your bank account inFormaton. You will be asked to provide the1ast four (4) digits of 1M social security number of 1hs primary borrower By providing those numbers as your electronic signatum, you will l» agresingto 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 reable, to correct an error in the processing of such payment. You con cancel a scheduled payment by phorw at 1 800 3A - w by mail at Discover, PO Box 30421 Salt lake City, UT 84130-0421; however we must receive natics at least three business days in advanc00 f 03C u hedled payment. IF your payments may vary in amount, we will tell you on each monthly statement when ?pp? will be made and how much it will be. You must ensure that sufficient funds are available in your bank ?0oall tronsaetions must comply with U.S. law. If your scheduled eM is rat enough to cover the Minimum Payment Due as listed on your monthly billing statement, you will I» rssponsibfe For paying N» d'iFferenu. If the scheduled payment is greater than the Minimum Payment Due any excess will bs applied in accordance with your Cardmembsr Agreement. Your automatic ppaoyment amount may bs less than the amount indicated on the periodic statement based on credits or payments steer the Cluing 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. S Amount: ? Full Pay ? Min Pay ? Min Pay + Bank Routing #: ; Bank Account #: , Frequency: NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DI C VER Csedit Ne may report information about your Account ro credt bureaus. Late payments, missed payments, or is inaccurate or i comp.We, history write y f Accourrt f3 creditAeporting a?geneies monifr f I?nyodU re isve thdeo reaplo?rt report us d the folbwing addre s: Discover, PD Box 15316, Wilmington, DE 198545316. Please indicate your name, address, home telephone numbx and Account number pp??yy.?yy?? iteresC We begin ro impose interest charges on a rronsoction fee a interest charge from the day we add it to the daily balance. We conhnw ro impose interest charges until you pay tfte total amount you owe us. You can avoid paying interest on Purchases as described below. However you ccnnd avoid paying interest on Balance Transfers or Cash Advances. How to Avoid P 'na Interest on Purchases 1"Grace Period"1 tt p id the Now Balance an your previous billing statement by the Payment Due Date shown on that billing statement, we wi11 red impose interest charges on new Purchases, or any portion of a new Purchase, paid by the Purchase Due Date on your current bilPrg statement. new Purchases an Purchases that first appear on the current billing statement. How We A Payments May Impact Your Grace Period you o pay your Now Solance in full each month, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. How We Cakukb frdered Charges Daly Balance Meth*J (inducting current transedions): We calculate interest charges each billingg period by first fifiggurinngg the "daily balance' for each Transaction Category. Transaction Categories include such as Balance Trans rs. romotional balances d diff t d , eren p vances an standard Purchases, standard,Caslr A Hew We Figure the Daily Bdarree f w Each Transaction Category • '.l/o ,Part with the beginning balance for each div. The beginning balance for the first day of the billing period is period revious bidin o r f t d h le g p ay o y u e s your balance on t We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We r fees as of the later of the Transaction Date or the first day of the billing period in ti t o 0 ons o ransac add any new Which the transaction or fee posted to your Account. D We subtract any new credits and payments. We make other adjustments (including those adjustments required in the "Paying Interest" section). °o Flaw We Figure Yow Told I - st Charges We multiply the daily balance for each Transaction Category by its daily periodic rote. We do this for each day in ves us the interest charges for each Transaction Category. To get a daily periodic rate, This iod billi th o gi . ng per e we divide the APR that applies to the Transaction Category by 365. Wa add up all the daily interest charges. The sum is the total interest charge for the billing period. Now We lrrdude Fees We add Balance Transfer Fees to In applicable Balance Transfer Transaction Category We add Cash Advance In T We add all other fees to the standard Purchase or n Cate ti h Ad l y. g ransac o vo e Cas Foes to tiro applicab Transaction Category. Baance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each The Balance Subject to Interest Rate is the average of the daily balances during the billing or ction cate t y. g ransa period. Credit Bdarces. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charrgges against this amount if your Account is th 1 h erwise s, or as o or more offer 6 mont open. We will send you a refund of any remaining balance of $1.0 required by applicable law. Far TDD (Telecommunications Device for the DeaA assistance, please cal 14800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposea. The Discover®card is issued by Discover Bank, Member FDIC RZNFE001 9322205 Questions? Visit www.Mcoverxom or DISCOVER call 1.800-DISCOVER (1-800-347-2683). VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA.C.S. §4904 relating to unworn falsifications to authorities, that she is Natasha Szczygiel. Legal Placement Account Manager, (Name) (Title) of DB Servicing Corporation successor to DFS Services LLC servicing agent for Discover Bank, (Company) plaintiff herein, that she is duly authorized to make this Verification, and that the facts set forth in the foregoing Complaint in Civil Action are true and correct to the best of her knowledge, information and belief. WWR# 9322205 Leeann Brown 6011002493801856 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson - Sheriff 1 f t o`4i?ir ofu+nbF??h? r ? 'LE I??° Jody S Smith ,' # Chief Deputy 21 Richard W Stewart eFF E :F, r _ ?: Solicitor r Y L, , ..? ; Discover Bank Case Number vs. Leeann Brown 2011-7770 SHERIFF'S RETURN OF SERVICE 10/14/2011 03:59 PM - Michael Barrick, Deputy Sheriff, who being duly sworn according to law, states that on October 14, 2011 at 1559 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Leeann Brown, by making known unto Tim Brown, Husband of Defendant at 1234 Bent Creek Boulevard, Mechanicsburg, Cumberland County, Pennsylvania 17050 its contents and at the same time handing to him personally the said true and correct copy of the same. MICHAEL BARRIZ'K, DE UTY SHERIFF COST: $38.00 October 18, 2011 SO ANSWERS, RON R ANDERSON, SHERIFF (0} Gau11ty5uite Sheriff. Teiecsoft loc. Discover Bank, Through Its Servicing Agent, DB Servicing Corporation Plaintiff Vs. Leeann Brown Defendant Answers to Com taint: No: 11-7770 Civil ?JC r' 1 I ? 31 pry 2: Ij rrSri? li U'L+ t Complaint in Civil Action 1. Defendant is without knowledge or information sufficient to form a belief as to the truth of the averment. 2. Defendant is without knowledge or information sufficient to form a belief as to the truth of the averment. 3. Defendant is without knowledge or information sufficient to form a belief as to the truth of the averment. 4. Admit 5. Admit 6. Deny for lack of information or belief. 7. Admit 8. Admit 9. Admit Defendant: Leeann Brown Address: 1234 Bent Creek Blvd, Mechanicsburg, PA 17050 I hereby certify that a copy hereof has been furnished by hand-delivery/mail to Plaintiff/Plaintiff's attorney this 28th day of October, 2011. Defendant: IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, THROUGH ITS SERVICING AGENT, DB SERVICING CORPORATION, Plaintiff, vs. LEEANN BROWN, Defendant. rrl Qua ^' C/) rU cz? Case No.: 11-7770 CIVIL y o -t, f,A -t MOTION FOR SUMMARY JUD-qhl W MOTION FOR SUMMARY JUDGMENT AND NOW COMES, Plaintiff, by and through its counsel, Weltman, Weinberg & Reis, Co., L.P.A., and hereby files this Motion for Summary Judgment against the Defendant. In support thereof, Plaintiff avers as follows: Plaintiff filed a Complaint against Defendant seeking judgment in the amount of $10,139.97 with interest at the interest rate of 29.99% per annum from June 30, 2011, and costs. A true and correct copy of the Complaint is attached hereto as Exhibit "A" and made a part hereof. 2. Attached to the Complaint was Verification from an authorized representative of Plaintiff verifying the accuracy of the amount sought. See Exhibit "A". 3. Defendant filed an Answer to Plaintiff's Complaint. A true and correct copy of the Answer is attached hereto as Exhibit "B" and made a part hereof. 4. On or around January 20, 2012, Plaintiff served upon Defendant a set of requests for admissions and requests for production of documents. A true and correct copy of the same is attached hereto as Exhibit "C" and made a part hereof. 5. No response to the discovery demands has been received from the Defendant. 6. The requests for admissions are now deemed admitted under Pennsylvania Rule of Civil Procedure 4014(b). Thus Defendant has admitted that she applied for, received and made use of the WWR# 9322205 credit card; that the statements attached to Plaintiffs Discovery Request correctly identify the payments and/or credits, purchases and/or balance transfers and/or cash advances, and interest rates; that she has not submitted any written disputes as to billing inaccuracies; that the account accrued interest at a variable rate; that she has made no payment on the credit card since November 7, 2010; and that $10,139.97 is a correct and accurate balance on the credit card account. 7. By way of her Answer, the documents attached to this Motion, and the Requests for Admissions, deemed admitted under Pa.R.C.P. 4014(b), the Defendant has admitted all facts material to this matter and verified the amount owed. 8. There are no meritorious defenses against this action and Plaintiff is entitled to summary judgment as a matter of law against Defendant. WHEREFORE, Plaintiff respectfully requests that this Honorable Court grant summary judgment in favor of Plaintiff and against Defendant for $10,139.97 with interest at the legal interest rate of 29.99% per annum from June 30, 2011, and costs. Respectfully Submitted: By: Matthew D. Urban, Esquire PA ID# 90963 Weltman,Weinberg & Reis CO L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 WWR# 9322205 Supreme vania W IVR # 09322205 C A Pit SJS ForProtkoratarY Use Only: Countv Docket No: The information collected on this form is used solely for corm administration purposes. This form does not supplement or replace the filing and service ofpleadings or other papers as required by luxe or rules of court. Commencement of Action: 1'd Complaint ? Writ of Summons ? Petition Transfer from Another Jurisdiction Declaration of Taking Discover Bank, Through Lead Plaintiff's Name: Its Servicing Agent, Lead Defendant's Name: DB Servicing Corporation LEEANN BROWN Are money damages requested? El Yes ? No Dollar Amount Requested: ® within arbitration limits (check one) ? outside arbitration limits Is this a Class Action Suit? ? Yes 13 No Is this an MDJ Appeal? ? Yes W No James C. Warmbrodt,42524 Name of Plaintiff /Appellant's Attorney: ? Check here if you have no attorney (are a Self-Represented [Pro Sel Litigant) A Nature of the Case: Place an "X" to the left of the ONE case category that most accurately describes your PRIMARY CASE. If you are making more than one type of claim, check the one that you consider most important. TORT (do not include Mass Tort) ? Intentional ? Malicious Prosecution ? Motor Vehicle ? Nuisance ? Premises Liability ? Product Liability (does not include Mass tort) ? Slander/Libel/Defamation ? Other: not ? Buyer Protection 12 Debt Collection: Credit Card ? Debt Collection: Other ? Employment Dispute Discrimination ? Employment Dispute: Other MASS TORT ? Asbestos ? Tobacco ? Toxic Tort - DES ? Toxic Tort - Implant ? Toxic Waste ? Other: B PROFESSIONAL LIABILITY ? Dental ? Legal ? Medical ? Other Professional: ? Other: REAL PROPERTY ? Ejectment ? Eminent Domain/Condemnation ? Ground Rent ? Landlord/Tenant Dispute ? Mortgage Foreclosure: Residential ? Mortgage Foreclosure: Commercial ? Partition ? Quiet Title ? Other: CIVIL APPEALS Administrative Agencies ? Board of Assessment ? Board of Elections ? Dept. of Transportation ? Statutory Appeal: Other ? Zoning Board ? Other: EXHIRIT MISCELLANEOUS ? Common Law/Statutory A ? Declaratory Judgment ? Mandamus ? Non-Domestic Relations Retraining Order ? Quo Waranto ? Replevin ? Other: Updated 1/1/2011 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION Discover Bank, Through Its Servicing Agent, DB Servicing Corporation Plaintiff_ No: vs. LEEANN BROWN COMPLAINT IN CIVIL ACTION Defendant FILED ON BEHALF OF Plaintiff COUNSEL OF RECORD OF THIS PARTY: James C. Warmbrodt,42524 WELTMAN, WEINBERG & REIS CO., L.P.A. 436 Seventh Avenue, Suite 1400 Pittsburgh, PA 15219 (412) 434-7955 FAX: 412-338-7130 09322205 C A Pit SJS IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION Discover Bank, Through Its Servicing Agent, DB Servicing Corporation Plaintiff vs. Civil Action No LEEANN BROWN Defendant COMPLAINT AND NOTICE TO DEFEND You have been sued in court. If you wish to defend against the claims set forth in the following pages, you must take action within twenty (20) days after this complaint and notice are served, by entering a written appearance personally or by an attorney and filing in writing with the court your defenses or objections to the claims set forth against you. You are warned that if you fail to do so the case may proceed without you and a judgment may be entered against you by the court without further notice for any money claimed in the complaint or for any other claim or relief requested by the plaintiff. You may lose money or property or other rights important to you. YOU SHOULD TAKE THIS PAPER TO YOUR LAWYER AT ONCE. IF YOU DO NOT HAVE A LAWYER OR CANNOT AFFORD ONE, GO TO OR TELEPHONE THE OFFICE SET FORTH BELOW TO FIND OUT WHERE YOU CAN GET LEGAL HELP. IF YOU CANNOT AFFORD TO HIRE A LAWYER, THIS OFFICE MAY BE ABLE TO PROVIDE YOU WITH INFORMATION ABOUT AGENCIES THAT MAY OFFER LEGAL SERVICES TO ELIGIBLE PERSONS AT A REDUCED FEE OR NO FEE. LAWYER REFERRAL SERVICE CUMBERLAND COUNTY BAR ASSOCIATION 32 SOUTH BEDFORD STREET CARLISLE, PA 17013 (717) 249-3166 COMPLAINT 1. Plaintiff, Discover Bank, is a banking institution organized under the laws of the State of Delaware and maintains a business address of 12 Reads Way, New Castle, DE 19720. 2. DB Servicing Corporation is the servicing affiliate for Discover Bank, f/k/a Greenwood Trust Company, an FDIC-insured Delaware State bank. As the servicing affiliate, DB Servicing Corporation performs a variety of services for Discover Bank including, among other things, the collection of delinquent accounts, marketing, application approval-, transaction approval, customer service, and billing. The collection of delinquent accounts includes the right to forward the account to the attorneys and/or collection agencies for collection and to file suit on Discover Bank's behalf. 3. At all times pertinent hereto, DB Servicing Corporation is the servicing affiliate for Discover Bank, in reference to Defendant account, which is the subject of this litigation. 4. Defendant is adult individual(s) residing at 1234 BENT CREEK BLVD MECHANICSBURG, PA 17050 5. Defendant applied for and received a credit card bearing the account number XXXXXXXXXXXX1856 6. Defendant made use of said credit card and has a current balance due of $10139.97 , as of June 30, 2011 7. Defendant is in default by failing to make monthly payments when due. As such, the entire balance is immediately due and payable to Plaintiff. 8. Plaintiff is entitled to the addition of interest at the rate of 29.9900 per annum on the unpaid balance from June 30, 2011 . A copy of Plaintiff's STATEMENT is attached hereto, marked as Exhibit "1". 9. Although repeately requested to do so by Plaintiff, Defendant has willfully failed and/or refused to pay the balance due the Plaintiff. WHEREFORE, Plaintiff prays for Judgment in its favor and against Defendant, LEEANN BROWN INDIVIDUALLY , in the amount of $10139.97 with interest at the rate of 29.9906 per annum from June 30, 2011 until date of judgment and costs. "ames L. Warmbro=,42524 WELT WEINBERG & REIS CO., L.P.A. 436 S e th Avenue, Suite 1400 Pitt741 19 ur h, PA 15219 (4124 -7955 FAX: -338-7130 WWR# 322205 C A Pit SJS This law firm is a debt collector at our client and any information obtai ing to collect this debt for ill be used for that purpose. DISCOVER r- -- ----, Now Balance Minimum Payment Due 510,139.97 510,139.97 Payment Due Date August 10, 2011 15 SDSNBA01 0000W LEEANN BROWN 1234 BENT CREEK BLVD MECHANICSBURG PA 17050-1859 Account Number ending in 1856 Enter Amount Enclosed Below $ 1 Please make check payable to Discover Card. Minimum payment due includes a pad due amount of $2,449.00. Phone and Mdemet payments must be made by 5:00pm ET for same day red $f lwyirp atamps7 Go molftl Make and schedule payments from your phone with the Discover app. It's fast and Ira free. Downie ad now at discover.conJspps PO BOX 6103 IllrrrllrrrrrrlLLlrrLJl EXHIBIT IL 60197-6103 Address, e-mail or telephone charge8 CAROL STREAM ?rllu?lmuslllrlulnrlrlluur?lllnurl?r?luurllul:,ll Go to wwwJ KKover,oom or print charge in space above. 00000146b458515494090101399700000001013997 Opening Date, July 1, 2011 dosing Dote: July 15, S Discover More Card Account Summary Account number ending in 1856 Previous Balance $10,139.97 Payments And Credits 0.00 Purchases + 0.00 Balance, Transfers + 0.00 Cash Advances + 0.00 Fees Charged + 0.00 Iniareat Charged + 0.00 New Balance 10,139.97 See Were4 Charge Calculation section following transactions for detailed APR information Credit line $8,300.00 Crwf1 Line Available $0.00 Cash Advance Credit Line $0.00 Cash Advance Credit fine Available $0.00 Cosh bock Bonuse Anniversary Month Febnwry Opening Cashback Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Caddock Bonus Bak mce $ 0.00 To t.um mw•, tog to arwww.DMcover.com 3 Easy Ways to Contact Us 1 Access your account securely al wwwMisn rver cem 2. Call 1-800-DISCOVER (1.800.347.26831 Please have your Discover* card available. 3. Write to us at Discover, PO Box 30943, Sale lake City, LIT 841 01Not a payment addren) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, 1160197-6103 For TDD (feboommunications Device for the Dsof) assurance, plsu a call 1.800347-7449. u: s page t or A Poynwd Information New Balance $10,139.97 Minimum Payment Due* $10,139.97 Payment Due Date August 10, 2011 •In ludes past due amount of $2,449.00 LaN Paymew 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 kom6r APRs for new transactions may be Increased up to the Penalty APR of 29.99% variable. bun, enrrn Fayrnenf Warring: If you make only the minimum payment such period, you will pay more in interest and fi volt take you 6Vw to pay off your balance. For example: [via ld t .. i Only the minimum 10 years $10,140 payment f f you would Mks information about credit counseling services, cab 1-800347.1121 Manacr Your Account Online, at www.Discover.com • Access from online tools like Paydown Planner to create a Pk- ?pany dawn your balance, securely access a ctemerds, pay to bRFs "as and easily track all transactions • Make your money worth more5m-find easy ways to earn and redeem cash rewards • NEW Acce your account securely through your mobile phone Transactions 9322205 Trans. Nis Fees TOTAL FES FOR Tt#S MOD S 0100 Interest C'lrmged TOTAL MEREST FOR Ttfl HOOD $ 0.00 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 TOTAL INTEREST CHARGED IN 2011 210.00 1,390.44 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER DISCOVER It pays to LEEANN BROWN JV I WCOM Account number ending in 1856 page 2 of 2 Interest Charge Cakulation Your Ame?d Percentage Rah (APR) is the annual interest rate on your account. omwd B16V Pariod. 15 days TYPE OF BALANCE ANNUAL ?PERCENTAOE ? Sal RJECT TO WTBEST CHARGE Puddrosea 29.99% V SO $0 Cad? Adwrces 29.99% V $0 $0 V a Variable Rate Additional Important fnfonrwlion Soo Your Cmdnrambar Agreement Your Cardmember Agreement contains all the terms of your Account. Lost or olden cards. Report immedlatelyl Coll 1-808.347-26113. WhsM To Do If Yom Militk You Find A Mistake On Your Sitter ent 11 you think there is an er or_on your statement, write to us al: Discover. PO Box 30421 Solt Lake City, UT 841300421 In your btisr, give us the fallowing information: Account (mfarmation: Your name and account number. • I)ORM amount; The dollar amount of the Suspected error Dascrlpjlon of Problem: If you think than is an error on your bill, describe what you bells" is wrong aiid rlbyr±ylttt befiws ltlsam You mud contact es within 60 days after the error appeared on your statement. You must notify us of any potential errors in wwrifin . You may call us, but if you do we are not required to inva Rota any potential error and you may have to pay the amount in question. While we irneaiigate whether or not then has been on error, the following are true: We canrwt iry b raNect the amount in question, or report you as delinquent on that amount. The charge in may remain on your statement, and we may continue to charge you interest an that amount. But, if we determine al weir -a a mistake, you will not have to pay the amount In quasiion or any Interest or other foes related to that amount. While you do not have to pay the amount in question, yyoauu are responsible For the remainder of your balance. We can apply any unpaid amount against your credit Ilmli. Your >efafsh N You Aro Dfasath ed With Your Credo Card i4rrchases If you are diawlisfrod with the gouda or services that you have purchased with your credit card, and you have hied in good Faith to correct the probblem with the merchant, you may have tiro right not to pay the remaining amount due on the pu+drase. To use this right, all of the Following must be true: 1 The purchase mud have bean made In your home stale or within 100 mike of your current marling address, and the purchase prig must haw been more than j30. (Nate: Neither of iFrsas are necessary if your purchase was based on an odvertissmsnl v» mailed to you , or if we own the company that sold you the goods or servion-) 2. You must haw wed your credit card for the purchase. Purchases made with cash advances from an ATM or with a check Nrat accesses your credit card accounF do not qualify. 3. You mwt real yet have fully paid for the purcuaae. If d{ of the Oltenia abaw are met and are siilF diswlisfisd with thb purchase, Discover, PO Box Lake eon#ad us In writing at: 30945, Soh Ci r, UT 84 ! 30-0945 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish am investigation, we will tell you our decision. At that point, if we think you owe an amount and you do nol pay we may report you as delinquent. Paymeirils. You maypay ad or part of your Account balance at any Ilme. However, you must pay at local the Minlamm Payment Due by the Payimod Dos Data. Send only your payment and the top portion of this statement in tine enwbpo prw?dad. Do not send cash. 8 sending your cheek as described above, you authorize us to use Information on your check ru to ake an ekickonic fund traru"hr From your account at the financial insfitMon indicated on your check or to process the payment as a check transaction. If payment la pr«assad as an electronic fund transfer the transfer will be for the amount of the cfwck. When we use infonnotian ham your check to make an electronic kmd iranJer, funds may Los withdrawn From your account as soon as the same day we receive your payment, and you will not receive your cheek back from your Financial institution. The processing of yaw maybe delayed if you send cash, correapghdencs or other liens with payment if you send the payment fo ?rhyoddnss or iF you use an emrelope other Ilhan IFre ores provided. Pa received In proper form at our processing lacRity ??yy 5PM kxal lime on any dery w?N Loa credilad fo your Account as of 11hat day. Payrnanfs received at our proeeaatng foetNiy after 5PM heal time vit# Los credited to your AcoounF as of the h»hd day If you haw mispksced your envek>(se, sand your payment to Discover, PO Box 6103 Carol Stream, 1!60197-610:1. Please allow 710 toys for delivery. IF yen payment la rahrrnad unpaid, we reserve the rig?it to resubmit it as an electronic debit. You can-ptry your scheduled monthly payment or a It amount that does not exceed your current Account balance over the tolephom or you can aelup aulamalk ants ihnm# a customer servke rs by canting 1-800347-2683. Automatic payme will be deducted on at D Dais unless you to o nt to tfrd occurs before your Payment D Deft. 11yatr scheduled paymale Falls on a weekend or bank h l , Yoyom sit will be proconed the business day or to Nos weekend or bank holiday. In order to schedule monthly payments ?yiplhons, you will need this statement an your bank account information. You will be asked to provide the lost four (4)16106 of the social security number aid* primary borrower By providing those number as your electronic aissrwfure, you wtil be agreed to this authorization to alhw w and your bank to dsdutl each payment you authorize, inThe amount selected by you, from your bank account. You also authorize us to initiate debit or credit wdrtes to your bank account as to coned an error in the processing of such payment. You can cancel a scheduled payment by phone at 1.8&34('2683 or by mail at Discover, PO Box 30421 Salt Lake City UT 84130-0421; however we mud receive notice at lead three business drays in advance of the scredrrledpayment. If your payments may vary In amount, we will tell you an each monthly statement when yypp??pp,, will be mods and how much a will be. You must ensure that sufficient funds are avallable In your bank BtAo o11 iran:aetiors must comply with U.S. law. U your scheduled payment is not enough to cover the Minimum Payment Due as fisted on your mordhlybilling statement, you will be respondbfe for paying the difference. IF the scheduled paymerd is greater than the Minimum Payment Due any excess will be applied in accordance with your Cardmember Agreement. Your aAomalla pawned amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. IF you areal by phone in our avkxTK tic payment 3arvica, please fill-in the Following blanks below and retain the authorization kx your records. Amount: ? Full Pay ? Min Pay ? Min Pay + S_ Bank Routing Bank Account Frequency - NOTICE: SEE REVERSE SSE FOR IMPORTANT INFORMATION DISC VER rredd We may report id-raation about your Account to credit bureaus. Late ants, missed payamis, air other ? creckycwr Account may be reflected in your credit report. We normally report t?status and hislorpOf =Account t reporting agencies each month. If.you believe that our report Is inaccurate or incomm elet4pleasewrile us at the foYawing address: Discover, PO Box 15316, Wilmington, DE 19850.5316. Please indicate your name, arlrjeas, home telephone mrmber and Account number Pay?g Interest We begm to impose interest charges an a aansoctlw fee or interest charge from the day we add a to de tatty balance. We confhrus to impose interest charges until you pay & total amount you owe us. You can avoid payog 'merest on Purchases as described below. However you cennot amid paying intwesl on Balance Transfers or Cash Advances. How to Amid Paving Interest on Purchases P'Groce Period') It you paid Me Now ce on your previous billing statement by the payment Due Dais shown an that billing slaieroes?F we will not dsnp oss interest charges on new Purchases, ar any portion of a new Purchase, ppaaid by the Purchase Due Dale an your current billing state nanf. new Purchases are Purchases that first appear an the current billing statemem. How We Aodv Pavmente Mat Imnad Your Grace Period it N you do no pay, your ew balance in u eachmop!h, then, depending on the balance to which we apply your poyrne t, you may not get a grace period on new Purchases. How We Cakakiis b4ssest Charges Dai11r Balm w Method PRduding cwmttransactions): We calculate intoned daages each billing period byfirst urinngg rtes "dally balance" for each Transaction Category. Transaction CateAories trrdusls standard ?R?uchases, itaindc CoiiTr Advances and different promotional balances, such as Balance Transfers. How We Fhgure the Deify 9darree for Each Transaction Category We :tart with the beginning balance for each des r. The beginning balance for the first day of its biting period is your balance on the test day of your previous 6iUing period. We avid any interest charges accrued on the previous day's daily balance and any new transactions and fees. We add new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which lrarsaetion or fee posted to your Account. We subtract any new credits and payments, We make other adjustments (including those adjustments required in ilie'Paying Interest" section). How W* Figure Yaw Tetal ihtosesf Charges We mtA ipfy the dal balance for each Transaction Category by Its daily periodic rate, We do this for each day in the billinrghg IVod. This gives us the inWe3l charges for each Transaction Category. To get a daily periodic rase, We dMda Ica 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 Inclnds Feet We odd Balance Transfer fees to the applicable Balance Transfer Transaction Category. We add Cash Advance Fees to the applicabM Cash Advance Transaction Category. We add all other Fees to the standard Purchase Transaction Category. saw" Suls d to Interest Refs. Your statement shows a Balance Subjed to Interest Rate, It shows this for each transaction category. The Balancf Subjed to Interest Rate is the average of the doily balances during the billing Period. Credit Balances. If your Account has a credit balance, the amourd is shown on the bat of your billing datemert. A credit balance is money that is owed fo you. You may make charges against this amount If your Account Is open. We will send you a refund of any remaining balance of 31.00 or more after 6 months, or as otherwise required by applicable law. For TOO (Tefaceasesssrications Device for do Deal) assistance, please call 1-800-347-7449, Discover May monitor and/or retard telephone calls between you and Discover representatives for quality assurance purposes. The Discover®card is issued by Discover Bank, Member FDIC e2FEOOI 9322205 QUeStIOnS? Visit www.Dis ew er.cwn or D?SC? 1I GR call 1.800-DISCOVER 11-800-347-2683. VERIFICATION The undersigned does hereby verify subject to the penalties of 18 PA.C.S. §4904 relating to unsworn falsifications to authorities, that she is Natasha Szczvpiel, Legal Placement Account Manager (Name) (Title) of DB Servicing Corporation successor to DFS Services LLC, servicing agent for Discover Bank, (Company) plaintiff herein, that she is duly authorized to make this Verification, and that the facts set forth in the foregoing Complaint in Civil Action are true and correct to the best of her knowledge, information and belief. WWR# 9322205 Leeann Brown 6011002493801856 Discover Bank, Through Its Servicing Agent, DB Servicing Corporation Plaintiff Vs. Leeann Brown Defendant Answers to Complaint: No: 11-7770 Civil Complaint in Civil Action 1. Defendant is without knowledge or information sufficient to form a belief as to the truth of the averment. 2. Defendant is without knowledge or information sufficient to form a belief as to the truth of the averment. 3. Defendant is without knowledge or information sufficient to form a belief as to the truth of the averment. 4. Admit 5. Admit 6. Deny for lack of information or belief. 7. Admit 8. Admit 9. Admit Defendant: Leeann Brown Address: 1234 Bent Creek Blvd, Mechanicsburg, PA 17050 I hereby certify that a copy hereof has been furnished by hand-delivery/mail to Plaintiff/Plaintiffs attorney this 28th day of October, 2011. Defendant: EXHIBIT IN THE COURT OR COMMON PLEAS CUMBERLAND COUNTY, PENNSYLVANIA CIVIL ACTION Discover Bank Through Its Servicing Agent DB Servicing Corporation Plaintiff, V. LEEANN BROWN, Defendant. NO.: 11-7770 CIVIL PLAINTIFF'S FIRST REQUEST FOR ADMISSIONS AND REQUEST FOR PRODUCTION OF DOCUMENTS Plaintiff demands that the defendants answer and respond to the following Request for Production of Documents under oath pursuant to the Pennsylvania Rules of Civil Procedure within 30 days from the date of service hereof. Plaintiff also demands that defendants answer and respond to the following Request for Admissions pursuant to Pa. Rules of Civil Procedure 4014. You are requested to admit the truth of each of the statements of fact hereinafter stated. You are instructed that: 1. These requests are made under Pennsylvania Rules of Civil Procedure 4001, et seq., and each of these matters of which an admission is requested shall be deemed admitted unless your sworn statement in compliance with such Rules is timely made, 2. If you do not admit each of such statements, you must specifically deny each one not admitted or set forth in detail the reasons why you cannot truthfully either admit or deny each such matter. 3. Your answer, signed and properly verified, must be delivered to the undersigned attorney of record for the Plaintiff within thirty (30) days after delivery hereof. 4. If you fail or refuse to admit the truth of any such statement of fact and the Plaintiff thereafter proves the truth thereof, you may be required to pay the reasonable expenses incurred in making such proof, including attorneys' fees, witness expenses, etc. 5. If, in response to any of the following statements of fact, it is your position that the statement is true in part or as to some items, but not true in full or as to all items, then answer separately as to each part or item. 6. If you have been sued in more than one capacity or if your answers would be different if answered in any different capacity, such as partner, agent, co or? officer or director L' or the like, then you are requested to answer separately in each such capacity. Failure to do so constitutes an admission in any such capacity. 1 7. In these Requests for Admissions: A. The word "Person(s)' means all entities, and, without limiting the generality of the foregoing, includes natural persons, joint owners, associations, companies, partnerships, joint ventures, trusts, and estates; B. The word "document(s)" means all written, printed, recorded, graphic, or photographic matter, or, sound reproductions, however produced or reproduced, pertaining to any manner to the subject matter indicated; C. The words "identity", "identify", "identification", when used with respect to a person(s) means to state the full name and present or last known address and business address of such person(s) and, if an actual person, his present or last known job title, and the name and address of his present or last known employers; D. The words "identity", "identify" "identification", when used with respect to a date, subject matter, name(s) or person(s) that wrote, signed initialed, dictated or otherwise participated in the creation of the same, the name(s) of the addressee or addressees if any and the name(s) and address(es) of each person who have possession, custody, and control of said document(s). If any such document was, but is no longer in your possession, custody, or control, or in existence, state the date and manner of its disposition; and E. The word "identify" when used with respect to an act (including an alleged offense), occurrence, statement, or conduct (hereinafter collectively called "act"), means to (1) describe the substance of the event or events constituting such an act, and to state the date when such act occurred; (2) iden ' each and every person(s) participating in such an act; (3) identify-all other person(s) (if any) present when such act occurred; (4) state whether any minutes, notes, memoranda, or other record of such act was made; (5) state whether such record now exists; and (6) identify the person(s) presently having possession, custody or control of such record. 8. Unless otherwise indicated, all Requests herein relate to those certain events, persons, and period of time more fully described in the pleading in this case. These requests are of a continuous nature. These Requests for Production of Documents shall be deemed continuing so as to require supplemental answers and documents if any information of documents are acquired subsequent to the filing of responses hereto, which information or documents would have been included in the answers and documents produced had it been known or available at the time the answers and the documents provided pursuant hereto were produced. Defendants shall supply such information and documents by supplemental answers and production of documents as soon as such information becomes known or available and in all events, prior to trial of this action. If objection is made to any requests for production of documents, it is demanded that the requests for which there is no objection be answered and furnished within the aforesaid period. All documents identified in response hereto shall be organized and labeled to correspond with the request to which it pertains. For all documents produced, list the individual and his or her job title and department from whose files it was produced and the current custodian of said If a document called for is believed to exist or is known to exist, but is in the possession, custody or control of another person or party, the existence of the document, the identity of the possessor, custodian and one in control of such documents shall be provided along with any applicable common description or citation utilized by the publisher, possessor, custodian or disseminator of such document. If any document called for by this request is withheld on the basis of any claim of privilege or any similar claim, identify that document as follows: author; addressee; indicated or blind copies, date, subject matter; number of pages; attachments or appendices; all persons to whom distributed, shown or explained; present custodian; and nature of the privilege or similar claim asserted. REQUEST FOR PRODUCTION OF DOCUMENTS 1: Produce any and all documents evidencing proof of all payments on the subject credit card referenced in the Complaint, including, but not limited to, cancelled checks, receipts, coupons, statements, accountings, memoranda, invoices, financial statements, accounting entries, diaries, charts, lists, phone records, data compilations etc. REQUEST FOR PRODUCTION OF DOCUMENTS 2: Produce any and all documents you intend to introduce and/or provide testimony on as evidence at the time of trial. REQUEST FOR PRODUCTION OF DOCUMENTS 3: Produce all documentary evidence or information substantiating the defenses asserted in your Answer. REQUEST FOR ADMISSION NO. 1: Defendant applied for the credit card referenced in the Plaintiff's Complaint. Admitted Denied If the answer to Request for Admissions No. 1 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 2: Defendant received and used the credit card referenced in the underlying action. Admitted Denied If the answer to Request for Admissions No. 2 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 3: Defendant resides at the address listed on the monthly statements dated January 17, 2009 through July 15, 2011 and attached to these requests as Exhibit "1." Admitted Denied If the answer to Request for Admissions No.3 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request and identify the Defendant's addresses and the dates that Defendant resided at the said address. REQUEST FOR ADMISSION NO. 4 The purchases and/or balance transfers and/or cash advances listed on the monthly statements attached hereto as Exhibit "1" are correctly identified for the underlying credit account. Admitted Denied If the answer to Request for Admissions No. 4 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 5: The payments and/or credits listed within the monthly statements attached hereto as Exhibit "1" are correctly identified for the underlying credit account. Admitted Denied If the answer to Request for Admissions No. 5 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 6: Defendant made no payment on the credit card since November 07, 2010. Admitted Denied If the answer to Request for Admissions No. 6 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMIS SION NO. 7: The credit card account which is the subject of the underlying action accrued interest at a variable rate. Admitted Denied If the answer to Request for Admissions No. 7 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 8: The interest rates listed within the monthly statements attached hereto as Exhibit "I" correctly identify the interest rates for the underlying credit account. Admitted Denied If the answer to Request for Admissions No. 8 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 9: Defendant has not submitted any written dispute as to billing inaccuracy concerning the credit card in question. Admitted Denied If the answer to Request for Admissions No. 9 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. REQUEST FOR ADMISSION NO. 10: $10,139.97 is a correct and accurate current balance of the credit card account in question as of June 30, 2011. Admitted Denied If the answer to Request for Admissions No. 10 is anything other than an unqualified admission, please qualify your response by setting forth which parts of the request are admitted and which parts are denied, or set forth in detail the reasons why the answer cannot be admitted or denied. Please attach any documentation in your possession that supports your response to this request. THIS IS AN ATTEMPT TO COLLECT A DEBT AND ANY INFORMATION OBTAINED SHALL BE USED FOR THAT PURPOSE. Matthew D. Urban, Esquire Pa. I.D. 490963 Weltman, Weinberg & Reis Co., L.P.A. 1400 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR:9322205 DEFENDANT'S VERIFICATION (please print) under penalty of pcjdury and subject to the penalties of 18 Pa.C.S. Section 4904 relating to unsworn falsification to authorities verify that the foregoing Responses are true and correct to the best of my knowledge, information and belief. Date Signature CERTIFICATE OF SERVICE Request for Admissions has been served by U.S. Mail, on the day of , 20M upon the following: Leeann Brown 1234 Bent Creek Blvd Mechanicsburg, PA 17050 By: DI-- Now Balance i Minimum Payment Due Account Number endtws in 1856 S COVER $54.00 Enter Amount Endosed8airwv Payyment Due Date f Fabrr,ary 16, 2009 Please make check payvble to Discover Card or pay online 0 Discovercar .-cam. 17 SDSN6AD/ 0044314 LEEANN BROWN Access and manage your account at www.Discover.com or visit m cliec vet com 1234 BENT CREEK BLVD on your mobile phone. - - --- -- MECHANICSBURG PA 17050-1859 PO BOX 71084 CHARLOTTE NC 28272-1084 Address, &-mailortelephone change? Prinlchange inspace 111111 Ir??}?r}i?}r?}),r?r.}rr}r}ii}) above, or go to Dixover.com. Print your e-mail address to receive important Accauni information and special offers. 0000019864585154940900176700(10000000005400 Discover More Card Account Summary Closing Date: January 17, 2009 page 1 of I Account number ending in 1856 Payment Due Date February 16, 2009 Minimum Payment Due $54.00 Credit Limit $8,300.00 Credit Available $6,533.00 Cash Credit limit $4,200.00 Cash Credit Available $4,200.00 Cashback BonuSe Cashback Bonus® Since Anniversary Mbnili Febr ary: $25.08 Previous Balance $0.00 Payments And Credits 0,00 Purchases + 1,767-00 Cosh Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 0.00 Now BaEmsce $1,767.00 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Opening Cashback Bonus Balance New Cashback Bonus This Period ShapOiscover & Promotional Everywhere Elsa Cashback Bonus Balance CONGRATULATIONSI Your Cashback Bonus(R) is waiting For you. Visit Discover.com or call 1-800-DISCOVER (1-000-347.2683) to redeem. Haw Can We Help P You? 1 Visit Di=over corn b pay your bill for no cost view your latest Account information, earn and redeem towards and mare It's your choice - 3 ways to help 2. Call 1-800-DtSCOVER (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 (assislance for heoring impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Sah Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Education Jan 3 Jan 3 CAPELLA ONLINE TUITION MINNEAPOLIS MN 1,767.00 Information For You Balance Transfer after(s) for current billing period: Daily Periodic Rote: 0.00545%; corresponding ANNUAL PERCENTAGE RATE: 1.99%. Finance Charge Summary 9322205 Nominal Transaction Average Daily ANNUAL ANNUAL periodic fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rotes RATES RATES cHARGES QiwfS current billing period: 31 days Purchases $0 0.03011% 10.99% F 10.99% $0 $0 Cash Advances $0 0.06847% 24.99% F 2A.99% $0 $O previous bitting period: 30 days Purchases $0 0.03011% 10.99% F 10.99% $0 none The rates that apply to your Account are either fixed (F) or they may vary M as noted above. $ 0.00 + 20.00 + 5.08 $ 25,08 EXH`IM 1 Valentine's Day is just around the corner find the perfect gilt online and earn extra rewards through ShopDiscovi r Earn 5% to 20% Cashback BonusIR) at over 100 top online retailers like Blue Nile, Godiva, and FTD.com when you fink through Discover.com/shop todayl heposart Inheneadon. Bowe isamre Ulan one page b Ibis bllin slatomaK seethe back al each page for adEMKv l inporlerd informsfan. 0 See yak Cardmaiab t Agreem set YarCerArxsntbaggreernenl narhlAtt al the brmn of your Amowt an z lost or *Man cads Report inxnadalelyl Cal t-M347-26a o Billing 1141kSammay.Ill Case ofEmsorOueslonsAbeutYbrBifYIT 1hihtyaslx7awonorilyouneed more irhlarraaEonabout akonsectionan your bitwnletouson a soperile sheet of paper at Discover. PO Box 30421, Sell (Ae Cr(UT841?B (1121, as soon as possible. We mast hex tom you caterer than 60 days atet we sent you the first tag cn 0 o which the am at prohkmappeared you can feephone us, but tlcng sovA not preserve your rights. In your later. Woe vn the folowirg Womnation: w 'Yaw now adAcooautmakw. a; ' The dollar arroahl of dw suspected am • Desube &a am and expisin. if you can. why you believe l efeis an ears. If you need aloe WorenaloT, describe the item you are unsure about ? You do not hoe Is pay any ammulir Wagon via are Warigeft but you are self obigaed to pay tie pans of your bll that are not ah question. White we:westgate yak question, weeumnlrepol ya as dri'irquat or take aryafie n bungled the amoat you 9ues4as spatd Rafe for Gedi1 Cud Purchases: If you have a prohlernvilh I ve "*of rpoodsa services tal you purdeud with a knit card. ad you have hied ngood faith to tenet to t rahlea*0 the merdeant, you pray not have to payb be resookli g amotaradue an do goods or services. You have the protection atywhen the purchase paw was two then §50 and the pualosews made in yarn Mneetak or*thin 100 mks of yarmairag address. (t we own or operate the merchant, or dive ranged you On adm semen for the goods or senvias,alpaadhasesakaomosed mega I dthearound rlocafanofpadtow) Paymerea. Sad only yarn payrivall and the tap pa ion of in statement ki tra anveWpe provided. Do not send cash. By acrdkg year check as described above, you Whom us to use infomiali n on your crock b male an elecdouo hand taster from yoascooted at the'Srwhaat 4mbldion ihdicaled an yea dock a b process to payment as a check transaction t payment is pooaased as an etodeanichad tonoW. the bnslpt wig be for toaaanrm the check. What we use inbrme6on from your check to make an elocircm fund bansfer. hands may be wigdraton Irom your aomuntas soon as toame day we receive yarn paymad, and you wit not receive you check back hoe pm fnanrial kerbso on The processing ofyar prymmt may beddayed tyw sad cash, mrrespahdarm or other items wilh your paymet, ifyou send Ow payment to any otter address or t you use an onvelapeoterdregleartsprovided.Paymentswaved laproper lomhatourpwonsdghic by5PNlocalOneonanydaywtbecreditedtoyourAmutasorWday.Payments uoeivei am pwxat sM arty, afar 5Pk1local time will be earned to ywA=Amtas of the need day. 9ytu have misplaced your envdopa. send yaw permit to Otanver. PO Box 6'103,CodSteam,r60197.6103.Peaseobw7-IOdaysfarbabmyr11yorphym disrefumedunpaid,wereservetherigidhiesubrsrdesanelectronicdebit. You can pay you min traao payment ore greater eras laver the Waphone, and you can ad up automata payrnerds. Call us at 1 -M347.2683. You will reed this statement and yea beck aocad ktormliont You cant aurae OW sNfvient leads as available it yak tat somml, and al kahsacturs, must coroply with U.S. law. You will be asked to I avtda the 819 5 dgikdywaccount Wbma l * coda. By eadaring twse n anbaaasyhwafeckow cgrehm you well be agreeing b Sts anlbarenalon to allow us and your bask In deduct each paymo tyou avtoitefim yaw bulk m mull, and to inflate debit or aedd aMhus to you bank woount, as applicable, b aareclan aka in the processing at such paynxrx You nest get to to err - of eaeb papnart olywaan adad an aNaunta>dh as the ttfakarm Payrne t Due or Oho New Balance an each statement You can cancel a papent. however we mhalraeive retie al bW $wee bWmssdeys in a&wm al Thesdedukd payment. You may nefiy us by phone at 140-347,%M a by mad at tie adkkess hsled in to previous pospoph. Kyow payments maywyn amowt we will tag you on each madlAy, slaWrtahl when your payment will be made and haw much it will be. Yo rAulor alit payment xhaurd maybe less tanindcated on the mmft WAnmi basal w.acts or payments apfted during the bang tide. Credit Pkpmtirvg. We mayrepW irfarmhar abort your ao=W to QWI bumw. tats payments, missed payments, or oler delasis on your aocaunt may be regarded in yaw crerkl report We namely"the stabs and payment hiss" all PCAeoert to credit tepoding agaxyes each mciAh. If you woe" final our report is inaarata or Incomplete. Please cede us at give Wooing eddresw Dimmer. PO Bak 15316, lfi* glack DE 19850.5316. Please ihckde your name, address, home telephone number and Account rormben. PERIODIC FINANCE CHARGES. Periods f=i aoce Charges arp unposed an all baroachohs tan the dale 1 he hatsac im is posted b yowAccaant unil In date you pay your entire Neck Bdmw%bymaking payrnanh or receiving as ts. However, it you paid tie Now Balance on you previous big skdxnent by de Pane Our Date shovxr on that stabrne ti. aM you pay to NowBelaaa by the Payment Due Oak on yaw orpent b* v dalemah, we wR net impose Peixfrc Ramos Charges on new purduses, that Is, purdases first appearing on the owed chile a t Wit call to the grace pemd.OUnawise, you wilt teo*m a bihl sl temed next month trot kkxles Petiokfrc I mme Charges an tlase new purchases. Them isnogwepvuiodwbehmeek, 1-acashadranoas Viea nVorkemacfpakdograpsafpudnases,cashadvahoes.andbelaxxauasfeisandgmfudFtarsodthetransactionswAhoeachgrailbyrheir Annual PemWmgeRare.Fa eanple,p rdwan su*dIn a p lmollonel rat and pudoaea s ublect to a standard mfr would be separate groups. We Wei to these gmxps as transaction categories. At Ube end of each billing ponod,sacompotebatanaesavdPehiodoFaauaClurgesforeach daydthebdrrgpacedfareachkasaesmr yWeriseTheb6cengequationto compute Pedoft Firvem thurgesfuesrh ttalsocion ategop[AvwW tkly Balance x rsmbor of days in the bliirp po riod x Daly Pooodic - Rate. (YW may referb Iha Gana charge suauaryi as you bikg ahnremt IN lase ernowds.lTledse add all this Periodic Frame Chagas to each transaction cekgay logs the btaf Peodk France Chagas foe your Aecaahl. ThaAsrage Daly eafaoe a slnunn as iao t, beoatse d Ihecpaoe period, no PeriodC Fironce Callas vappty to the hmlame in a Irensadion rafegoty We use theAveraaget Oaav Beanie racloft new transactions) meead of cakdetinq Ihebalsom upon whhichwe impose Periodic Finance Charges. We owwle theAverage Deily Oahna fertadn hiaasaraoi nategay by addig yl at ie "ibabnces n vi bdlkg period lam a trasadan cola" and dwidig to imal by the rwmber ol days n tie biW$V cycle-We cam" de delybabrace be eat kaaadoncabgoryw earls day by fist addrg lie folewi a to the previws day's dailybabnca hwnsediahs made tal day, fcesctaged that day and PeisdcFinarmChwanaanadwlepemusday's Mybelow andbyOrensu6kaeftaya,I iandpaymentstutmeapplied against thebalance dtretransaction aakgaywthetdaygncoloLirggive doTy6a1w iattehwldayof6sbftperiod. raconsider te'peviaudayrsbalence mhavebeenyourbalanceforeachtcansacyon calegay w the but daydyow pervious I*m period Ha knewlim It polled to yes Aroant alathe close d the blkg petted in which k occurs. the wil heat le Iranswim as hav- ing marred an to first dayof the big period in 4" it is pma" b ymAccount. Alfeea b Aemsd as added b he standard phaa kartae6on oalayay with to exception of Cash Advwm Ttansadvan Fee Finance Chargeswhidh are added to Oka ?eclion calagay emdBebaa7rahhate TowAndion Fee Finances Charges vAida are added bthe applicable baance transfer kansact on category. V*wn a daarnoe kasheraate woes, vas cove tae upaid boa ce of de balance hxasfa and UeBdarce Transfer Transaction Fee Finance Charges b the standed pwchase basecknicategory. Flooavar, d the special refe bas baeo kvmimled udertwDelod Rale Place we have the unpaid balanced the belanc a lensfa and the Bnlance Transfer Trans- ecim fee Faanee Chages n the r 111 11e bansac6m a eM and le specW rase wad! have expired. Fw TOD{Telecoaammicaliam Devke tar th D"q assbtapcs, pkase mil iA W&347-7449. Discover rhgy riarhlararhdbrraemrd fdeplharhe r?kbewvean you ardOiseova teprnsatatives to gnafrty asswance puposes. The Disoover` cad is laved by Oi3cowr Bank. Mamba FOIL. OITBK170 New Balance I Minimum Payment Due Account Number ending in 1856 DISCOVER $1,834.72 1$104.00 Enter Amount Enclosed Below Payment Due Date March 16, 2009 Please make check payable to Discover Cord. Minimum payment due mchrdes a past due amount of $54.00. 17 SDSN6A01 OW4315 LEEANN BROWN Access and manage your accourd at www.Discover.cotn of wait m.disco .dtsaovar.com 1234 BENT CREEK BLVD on your mobile phane_ _ MECHANICSBURG PA 17050-1859 PO Box 71084 tllrnllscrsrril1rrrlr11111 CHARLOTTE NC 2827Z-1084 Address, e-mail or telephone chongaQ Print change in space )r,lrllulinl?lliriliil?ltt?llllrnltrlu)ullrr)ulnliln ll obove, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 00000198645853,54940900183472???0?00??108?? Discover More Card Account Summary Closing Date: February 17, 2009 page 1 of I Account number ending in 1856 Previous Balance $1,767.00 Payment Due Dale March 16, 2009 Payments And Credits 0.00 Minimum Payment Due $108.00 Purchases + 39.00 Credit Limit $8,300.00 Cash Advances + 0.00 Credit Available $6,465.00 Balance Transfers + 0.00 Cash Credd 1knif $4,200.00 Finance Char?ss _ + 28.72 Cash Credit Available $4,200.00 New Balance = 1,83472 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Cctshbmk BOnuse Opening Cashback Bonus Balance $ 25.08 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 25.08 Cashback BonusO Since Anniversary Month February: $25.08 How Can We Hel p You? 1 w=it Discovercom to pay your bdl for no test, view ur t t A t i f ti d d l vZo d R's our choice - 3 ways to hel a es ccoun orma n on, earn an re eem rewar an more 2. Call L800-DISCOVER (347-2683) for fast, easy self-service p y options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, for TDO (ossistarwe for hearing impaired) see reverse side Sall Lake City, UT 8A 130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Cgher/Miscellaneous Feb 17 Feb 17 LATE FEE $ 39.00 Information For You Balance Transfer offer(s) for eui rm t being period: Daily Periodic Rate: 0.05203%; corresponding ANNUAL PERCENTAGE RATE: 18.99%. ATTENTION Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. Finance Charge Summary 9322205 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 $178086 0.05203% 18.99% F 18.99% $28.72 $0 Cash Advances $0 0.06847% 24.99% F 24.99% $0 $0 previous billing period: 31 days Purchases $O 0.03011% 10.99% F 10.99% $0 none The rates that apply lo your Account are either fixed (F) or they may vary (V) as noted above. Planning a Spring Break Iripl Whether it's near or far, book online and save - with 5% to 20% Cashback Banus(RI at over 100 top online retailers like Comivol(R) Cruises, MyHotalStay.com, and Thrifty oar rental! Just link through ShopDiscover(SM) at Discover.com/shoo brhporta t 4formatUm- Athere is amreltan an page to IlisTBrg 5latemart, seethe bade of each page for additional wnporlael WonlaCan. See you Cardmember Agreem ol. Year CerdmeralwAgrdenerF contains ad Iha fonts of yaw Aux-m_ Lost or atoben cards. Reporl aamadisleto Cal 1. 110-347-26!3. 611fing Itighrs summary, In Case of furors or oussdorsAbodybr B& If you teak your bill is wrong, or if you need mare wlanhatiaa about a transaction eayear bi, write taus on a a sefcrrMesheelolpeperatDisoaw.?OBos3W21,SatllabCiI) tUYS413a6t21,assoonasposs AStemuslheariomywrelaterthen60dayseftwesenlyouthefrslh on, o which the mar or problem appeared. You can telephone ha, outdoing so wig rat preserve your rights. In your letter. give us to following inlormatron: _ w You name andAccanl ra obet nn The dollar mount of to suapeded crew O • Desc be the cosh and w0ain, iyou can. why you believe two is an error. Ayou reed more khrmakon, describe the dem you are unsue shout. ? You do ooh have to pay any amount in question wlifewe wreiwreadga", but you are still obligated b pay the parts of yaw bid trd are not ie question. While we swas"m yaw Wesdon,wecannot wcpodyouasdcbWfttat bbmyacl0aGoQ*X1themutant youquestion. Special Rate for Coot Gerd Purehssm Ayer havea pmWwn with to qurlityof goods or services got you prrdhasedwith a credit cad, and you have triad in good feilr to MW the proMm wathte raadmrk you nay nd hone to pay bea mai irg amormtdue on the goods or services. You have this protection aiywhen the purchase pats was more dray b5D and fepwdow was nwAe in yea hone sbk orwdm lW R dndyarmeifag adders. (A wwe owe or operale fie madard, m Awe nailed you the adverbsementlor the goods of services, alpwdases weanaed regmdess dUhe wmwMorbadm olprsdwso4 Payaants. Send a* Vata paymra and the top pa6m of this stalowot in dire envelope provided. Do not send rash By saving your crack as described above, you authorize us to use irlamhhsbon onyaa ched tomolm sodeckmc hid tamFrtran your aeoonrdat the fnancal institution indicated on your check a to process the paytaent as a check transadm. It parramt is processed as an ekcsarrc had Vander. thebwashywill be for the mood on de duct Whah we use infoaretion hen you check to make an ekwbmia hind transfer. furls may be wahdrawm tram your account as soon as the am* day we re coare yore payment and you rid not receive yaw dvdr back ham yras finencet insikdon. The peeassing of yaw pay set may be delayed tyou sad ay, mwapo dormor*t o locos with yaw payment, I you send the poperit to any otwr addvss or a you use an envelope a" fan the one pwwided. Par we aces do Paper form at our prooaesig laci y by 5PM local Gee on say day vat be credited to yourAcou" as of tart day. Paynmfm received at ma prooessng facitty alter 5PM local ku wilbe melted b WAocoum as all the nerd day A you bare masphcedyaw emdope, serd yam parpTe rd b Dhscovw, PC Box 6103, Cara! Stream. IL 60197-6103. Ririe slow 7-110 days fur delivery. 0ycur psymeni is returned tvpaid• we reserve the right to resubmit it as an electronic dclil. You can pay yaw nm am payrnent or e greeleramoma ova the kkphone, and you can set up ammabc payments. Cal us at 1-800-347-2683. You will reed tvs statement and yow bark account Plarraebm. You carol non that adciat krltw are evadable n yaw bank account and at bansaaiorc most oem* with U.S.low. You will be asked to provide the first 5 dglts alyoer acaalwa sblenam 70 code- By enledhg l oseaabas as yam elsirur csbgnakxe, you will be agreeing to Dior aulai®Gon to allow us andyawbadt to dedu d each paysant you aowrire from yaw book aomuw, endb fralale dMa crud! entries t0 yourbe * account, as applicable, toomea an are in the processing of such payram. You must fell us Ice mo ntof eachpayro d, a yo rcan aced ananouta ch as the hiniam Pay cal Due a the New Balance one" slaffin art You can axda payneal. however we must receive notice at leas! Cree buzzes days at advarm althe scheduled payn sa You may nolity us by phone at 1A"7-2683 or by mad at the address listed in the previous paragraph. A yow payments ranyvary in amomt wa-YA tell you an each moell* statement when your payment wit be mode mind how umxh itwil be. YamAttomalic payment aemuu may be less than Wooled on in mu try slaWnerd based an aeft or peymrntsappfed du"mg the burg cycle. Credit Repualheg. We may repail aimmalon about you amount to credit btxea6 felt payments. missed payments. or other defeuls an yaw aaant may be reflected in your cwedil repM. We marnaety coupon to status and paymen dyuwAcca wI b wady rtpa6n$ agencies each mongi 1f you Wave that ow tepw is inaccurate or incomplete. (lease write us at the following address: Diecwer, PO Box 15316• V7woon . DE 19050-5316. Planes allude your memo, address, home teleplhme cumber and AocanI mmn6cr. PERIODIC FRANCE CHARGES. Pefiodo Finance Ckarges am imposed an at transactions from to date the honseclim is posted to your Account sat fee dale you pay YOLK entie Now Bafwnce, by mmbw patrraxts a reoeivig oreulds. tlowwwr dypu Pawl Or Menedanee on yaw previous hiding sblemeol by lie Payment Due Date shown an that statement, and you pay the New Balance by the Payslewl On Deleon yaw orreat billing MafemoKwo wX rid impose Periodic Fwma Chagas an new purchases, that is, purchases first appearing an the awwad stalaaad. Yye callNs ate gmcepaiod Odvarwse• you war reane a dlirg slaknera next month lhd indudes Paiodie finance C harges on lase new pudases. There is no grace period on belane0 ken ersor cash advances. We sal your ban a forts into gnwpsof puactua , ash aduwnoas, and balance handers and than hwIlhef sal the transactions within each group by tueirArvmd PaceMage Rate. For oxw4le. padtasessabod to a prgno6md rate and pudrawstiged to a sta dad rale woad be separate groups. We rderto #a m groups as haasacim categories. At the and of each Wkq pembd, we compote bala ces arm! Per odic FewrO Charges forest h deyof the biting period for each transaction adegay. We use the fallowing e:%w m b o wnpuie Perio6c Ftunoe Charges for each tarsadio t calegary. Atarape DatyBelepnce m nunba of days in On billing period x Daly Periodic Role. (You may rdor to The fmnoe chage swivlaryonyawbftgdabmentlorheseamots ) ThenwwealdupderPox&Finance Charges foreach Imnsadioncategory bgetthetotal PeriodicFinanceCharges foryour Accow& The Avemp Deily Belahae is shown as zero d. bsoarss of to grace poaod, no Periodic Finance Chagas apply to the balance in a transaction eaiegaryr We useSwAverage Daly Balance, OKkadng new transodiao melted of celo"ng lee baiv= upon wlwfi we impose Periodio Finance C w9es. We caaphde the Average Osdy Balance 13F wdikarsactlar eolo"by Adding up ad the J* hehacei n a b0gpa ed for a liars a lion i fegory and dvidng the fold by the number of days in, the billing cycle. We ceepafe the dadybalerow for each eaesse6at ealegoyon ends day by fist ad*@On delivering to the p rAos days daily balance: t ensaraors made tat day. fees dwged that day endPeriodsf mm Guyeraocrtedon AuWevimsWsdslybaknaaadbydaaasubkatiuganycredits andpayawdstataeappliedagainst Onbotence of theaasacdon category, an do day. In eolahflg de daily balance fortladaat day of the billing putted, we consider Ace'pravfaus days balooW to have been your balmce for each transaclon afegay m 6o hest dayof yaw pmvius biting peiod. A a hassacbty is pasted to yawAazautafter the close of the billing period in which d ocows, we wil beat the transaction as hav- ing amend an the fast dell, of The biting peiod in which it b prated b your Account . b era added b fha aarhdanf pttrdhwss rarswctm cola" with Ow exception of CashAdvarm Towdedion Fee Finance Charges which are added to the nano war 1 and Balance fa vadwTrannection Fee Finames Charges which ate added to the applicable balance transfer transaction category When a special babnoe bansta rain spies, we move to unpathelrece of the balance baslerand to Balance Trarskr Transacam Fee Finance Charges to the stoidard purchase transactionceloyory Honaver, 4t to speod rave has beentaaiadd under go DoW Rae Rot we leave the uvaad balance at the balarae iansfer red On Balance Ifansfer Ttens- ackm Fee Finance Charges n the applicable trarhsocbm ttipg. I tsM dhe special role world have expired. For TOO (Tedaaaharrwndcatora Detdce ter the Drat) asoblamm, phase call 1?M1347-7149- Dscwwr may monitor andtarrecord telephone cells bebveanywt and Discover reposentakves tar cyatty assurance PuPoses TimOtscovee&ardsissuedbyDscowBankMember FOE. O1TBKi70 DISCOVER New Balance Minimum Payment Due ;' $3,338.81 $100.00 Payment Due Dote April 16, 2009 Account Number ending in 1856 Enter Amount Enclosed Below $ r Please make check payable to Discover Card or pay online @ Discovercard-com. 17 SDSNSAOt 0004316 LEEANN BROWN Access and manage your account at www.Discover-cam or visit trh.discover.com 1234 BENT CREEK BLVD on your mobile phone. PO BOX 71084 lilt ulluuull?h,rlrrlh11 CHARLOTTE NC 28272-1084 Address,a-mail or telephone change? Print change in space (,r},{(n(m(rllwr(orlr(rnl(I}urlufntu)(rrln?u(r?n(f above, or go to Discover.com. Print your amad address to receive important Account information and special offers. 000001`}86458515494090033388100050000010000 Discover More Card Account Summary Closing Date: March 17, 2009 page 1 of 2 Account number ending in 1856 Payment Due Dote April 16, 2009 Minimum Payment Due $100.00 Credit Limit $8,300.00 Credif Available $4,961.00 Cash Credit limit $4,200.00 Cash Credit Available $4,200.00 Previous Balance $1,834.72 Payments And credits 105.00 Purchases + 0.00 Cash Advances + 0 00 Balance Transfers + 1,51 1.96 Finance Chargss + 97 13 _ New Balance $3,338.81 You maybe able to avoid Periodic Finance Charges, see the reverse stde for details. Cashback Bonuse Coshback Bonui® Anniversary Month: February CONGRATUTATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discovw.com or call I -800-DISCOVER (1-800.347.2683) to redeem- Opening Cashback Bonus Balance $ 25.08 New Cashback Bonus This Period + 0.00 Coshback Bonus Balance $ 25.08 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 l available Please have your Discover Cau . Write us at Discover Card, PO Box 30943, 3 For TDD ssislance for hearing impaired) see reverse side b Sad Lake City, UT H4130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Data Date Payments and Credits Feb 20 Fob 20 PAYMENT THANK YOU $ -55.00 Mar 11 Mar I I PAYMENT THANK YOU -50.00 Balance Transfers Mar 5 Mar 5 BALANCE TRANSFER CHECK 0326 1,511.96 P& Y Mar 5 11ACTRANS TRANSACTION FEE FfNANCE CHARGE - 60.48 Information For You "ATTENTION ` ` The day of the month that your payment is due wig be changing. Your new Payment Due Date will be top of the rem ittance coupon on the statement you receive for your billing period thal ends offer May 1, 2009. q - lip ?l?ouiaymerd Due Date will continue to be at least 25 days From the Closing Date shown on the billing statement. Important Information. If faze a mote then ore page b this W4 statemcnA, see the back of east pagefar edddioeal impotad hdannatian. U, See your Cardmernbes Apreerneal. Your Cardmerrreer Agreandtt confirm d the !eons of yauAmmunt z Lost or stolen cards. Repastiminadralety! Cal 1-0043472683. Oiling RightsSummarXMCmolrimrsorQuestionsAboufftuUkIfyyaauufp4ryocrbit-ISVMV.orif youreedmore inforavo maboutalarisactimonyourhi%writeto usona wpaabe steer of paper at Disoover. PO floc 30421, sea we Cary, ur 811340421, as soon as possbfe. We wait hear hernyeu no later than 60 days after we sent you the first bit on o v W idh doeomr or piohfam appeared. You ran Weplefan us. but dung so ail not peeserva your rights, In your Wer• give us la blaming itcrmabort: <t?i Yournaa andAecad mariner M The dolor amoat of Im suspected wor Describe the aver and axpltin. i you cok why you lMkeine Noe. is an aver. If you frond tnae idarmation, describe the item you are unsure about Youdorbthove topayofryammrminqueskin*hie weaminussigefrg.txAyouems4ah6gatedtopayfopobdyour bitIWarenotinquesfm Whieweirwestigateimr question, we cannot report ywasda4rquent or take any action booted the anuowlyou quests Special Role tarCm& Cad Purcimu es tyou have a problynwith do qua* olgoodsoFServices trt you pedtased Wh a credit card, and you hm bored cagood leslt to correct theprohtanmihOremerchantyatmayindhowetopayhominaidngammntdueonMeleads asnvioss.Youhave this protecfm arlywhoriepurchasepficewasmore than 350 and do purchase vim made in your bore date orwthrin 100 miles of yourowing address. (gwe can of opuralaOe mutant or Tae meted you the adwifiserventfordhe goods or aeeriees, d purdnases are cuersl rogerdbs ddeamwi erbsaioa d pundau_) Psym mdr. Send o ly yor psyrnant and the lap potion of Iva slslarherd ii geevnebpe provided Do ml send rash By sending yeurcheck as desabed slave. you ndvorra rs in use i ben maim an your rhah to mike an sect anic fwd transfer Own your axaamat An frdrrrai institution indcated on your checker to process the permeates a check transaction. 9payrnmt is proommedas an ala&ww land bartda. ho header vdl be for the anetnl art the chock. Whanaa mss idornotion ban your ethers to rhmke an atectn* fund transfer, furls maybe w6dnawn tam your account as soon as Use sane deyv is fames you payaed, and youvd no reserve your cheek bode horn your financial i sid tia, The psoamng dyer psymad may bodeiayrd Oyou said tad, aonespader- or oho fleas with yaw pmovee, N you sand the peymaht to any other addresses if you use an emkipe other horn the one provided. Psyshatle received in proper loan at our processing let lly by 5PM facd form anydaywd be credited by" Accord as of Mat day Paynamis wca"daia s pooessig fealty &aiPM yoga stirs w8be credtedb yexn Awactn as o Je n eA day. Y you have maptood your snvebpe, sod your payment to Ommor. PO Box 6103, Cad SYean, [ 60197-6103. Pbase aiow 7-10 days for dWvay I your payment is reamed unpaid, we reserve The right to resubmil t as an decLoec delid You con per year ai sou n prynust or a greats amar•4 ova the telephone. and you an ad tip suirmaAc poymaes. Cali is at 1x04347-2683. You vtil need am steterom i and your bank eooaai'Urkenafott You fhtuet a sera Net su8&ienl ki dsare ashtble in your bank aaaaht ad al karsatfora must comupy with U.S. low. You wilt be asked to parAdethe first 5 dpits of yaw aceand staNnenlapeoik By ei®ing fete numbers as your eilecronis signakra, you wi be ageeetieg b this sullo®6on to ardour us endyour bat to deduLl each parm entyou authorize km your bank aoesnt, and to iit'ele debit of credit ernhies to yaw beri account m appfoatie. to domed an enror in the piumsing of such payment. You mrsl let us the amount of e" payment, aye can select en amou t inch m the ydwiovra Payment Due or the Mm Bslame an each siatemax You can cmcel a payment ilrreever we must receive noYop of knit psee lxsim ss days in advance of the sdrdied payment. Yeu may notify as by ptaah at 180 MY-2683 or by mod at he address fisted in the previous paagmpit Iyour psymsns may very, w mamuM we w8 lei you an each mor'ty statement when you paymodvA be mode and how muck t wit be. Your Aubmafc payment amount , may be less than indicated an be wonfiy statement based m nails cc payments apprW dwikg to bftcycle . Credit Reporting, 0ye cosy report iiormefau abod }err account to credi bureaus. Labe payments, mssedpeyvneels, or other data & an you account nay be reflected in your oredd ccport We nomalyreport the stabs and psymme history d your Aaard to credit repotting agencies each unn tt ff We below that out report is inaccurate or moonplete. please write us at the fcgowkg address Mouser. PO Bak 15316. ftringlort; DE 196505316. Pleese Made your nana, addess, home Idephme nurrbei and Aecehint number. PERIODIC FRANCE CK4RGES. Paaedc Forts Charges aro imposed on d1 transactions tern the data the kansedion is posted to yawAccount until le date you pay your entire New dalatce. by rtrkig peymere or receiving audits. Nomavm; O you paid the New Balance as your previous Am smtemem by the Payment Due Data showm on that statement. and you pay to lfew Bdonce Or Paymwno Date an yowcars" biting Aide mew wo yell net knpose Periodic Finance Charges on new purchases, that is. p vdww first appming m the wneresfaleaati LINe raO pis gr tiaoa period Olheews0, you vv1 reouire a hiOrhg slaternem rxn t heorutlh ter ihckndes Periodic Frr mm Charges on ftm nm purdwms. There R no ganrepaid m batefhce trasfessa ash rdvhmces. Weal yw transactions ihb groups dpadrxs, cash envenom, and balance lrermlers and then k4mirsod Oe lrasacions; wOm each gkoup try theirAnnuat Paoentage Rate. For maniple, purchases; subject to a promafatrl rate and paresessubject to a standard tale weld be separate gtxps. We mkr to Use groups as I isacion categories. At the end of a" bang Mod. we compute belahcra and Pemode Fartea Charges for each day dghe Ming period 63F each hasaction argny. We use the ldlowng eq-Ww to compute Paiodc Farnbe Charges kt each basamncateWAVetags D* Besnce x member d days an ire big pemodx Daly Periodic Rat. (You ray refer fothe finance dvarge s rnnaaryon your blfegsbtement for less emorh) Thenwe add up the Periodic Finance C haggis breach remseefon categoy to get the total Periodic finance Changes for Yom Aomu i. TMAmep Dale Bdmw s shorn m 2mo l,becaura d My gwa perod no Periods Fmw=Charges apply b he balamm in a karsadin corer,pry. YTe txe 0rMetage Dot/ Balabe6nctdvg amt trasacicfsl mehod d calaiarng he b tdhnoe upnvAtidc we impose Petiedic Finaaee gprgts We compute theAvemge Daly . 8ai uEafore"immiauohcaagwybyaddigupa8thedaiy'6nkekcesviabungperrpdWeransdai6uualogmTanddixiingMetotalbythekirnkierofdajsivdalxi6tgcyde.We compute the My Instance br each tmmacJOn caegory m etch day by fist adding fie ldhaiag to the previacelaysdaiy bdena? hereacioru made that day. fees charged that day and Periodic Finance Chagos aomhd an M pawns dada daffy beRnsem. and by then sotrkaotrg any credits and peyohents gig are applied against the baf um of the transaction category on OW days In ceksietktg tedady babow forgo id day o (do biting period. we aanalder the'piewosdaft baenoo' to have been ywboWm for each banseetion caw" on In WA day of your previos Wing period Natrak3acon is paeyedbyour Account altar the dose of ft biting period in which it occurs, we wit treat he transaction as hay- ing oomied on the fret day of the bitg pnsiod in Mich A is posted ID yaw Account At fees t are added to the standard prrdtsse trarmad l cetgon vAi the axrepum of CashAdvarkw Tmfsaction Fee Finance Charges which are added to the sppFai ?e mnsacfahra0nMwd8akenaTalsferTmnsacOOnFeeFhakasCharges Wish areadded btheappfabiebatancetrarmkrbamxfotcaftory.When e specietbda ice basterrate emyi ies. we mete the unpaid betrxe of the balance tarsier and the Balance TrasferTraseckah fee Finance Charges to the standard purchase trasmfen eatagoll. Hdxtver, if Oaspedet rate has been terminated Wader ft Do" Rate Plan, we Were the unpaid baknco alga bakince transfer and the BdameTransfer Trans action Fee Fiance Charges in Ike appiceble Ianection alegory wit fiespecial ale would have expired. For TOD(Td owismunkstiD a. Device for the Oeaf) asswor", please ca11 1400-347-7449. Discover way monitor etdtarecord MkiphwrcolabetweenyouandDisa =representativesforgkaftyassuracepurposes. The 1Tsmvae card isissuod by Dismiss- Bank Menbar FDIC; DITBK170 DISCOVER F ft pop ?I LEEANN BROWN DIS VW-J Account number ending in 1856 Take your account to g0! Manage your account on your schedule with the Discover* mobile app. See amount 'Tory, ma or scheduFe payments, view recent tronsaciions, sign up for 5%Cosh6ack rewards, and more. It's fast, convenient, and free. If you have o barcode reader, scan the code on the right to download your Discover opp or visit wwwAiscover.com/apps CIM) 106- 6-k, M-1- FDIC dosing Date: March 17, 2009 page 2 of 2 5huiaig Charge Summary Nominal Tmnsaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANM FNMCE Balances Rates RATES _ RATES GWGES CHARGES current billing period: 28 days Purchases $1783.74 0.05203% 18.99% F 18.99% $25.99 $0 Cash Advances $0 0.06847% 24.99% F 24.99% $0 $0 Balance Transfers $732.33 0.05203% 18.99% F 56.46% $10.66 $60.48 The rates that apply to your Account are either fixed (F) or they may vary IYI as noted above. Questions? Manage your account at Discover.com or call 1-800-DISCOVER (1.800-347-2683). D'SCOVER Now Balance Minimum Payment Due' Account Number enckag i e 1856 $3,353.14 $99.0Q _? Enter Amount Enclosed below Payment Due Data $ May 16, 2009 please make check payable to Discover Card or pay online 0 Discovercadd-corn. 17 SDSN6At11 00043 t 7 LEEANN BROWN Access and manage your acoaultat www.Discover.com or vis$ aLdiscover.com 1234 BENT CREEK BLVD on your mobile phone- _ G P 17050-1859 PO BOX 71084 )))ast?unrn???iri?u)n)) CHARLOTTE NC 28272-1084 Address, --f-mail or telephone change; Print change in space 1114)1 rr????rrr?irlrr?rr??,r?rr?rr?rlri?? above, or go to Discover.com. Print your email address to receive important Account information and special offers. 000001986458515494090033531400100000009900 Discover More Card Account Summary Closing Date: April 17, 2009 page 1 of 2 Account number ending in 1856 Previous Balance $3,338.81 Payment Due Dote May 16, 2009 Payments And Credits 100.00 Minimum Payment Due $99.00 Purchases + 60.48 Credit Limit .$8,300.00 Cash Advances + 0.00 Credit Available ,$4,946.00 Balance Transfers + 0.00 Cash Credit limit $4,200.00 Finance Charges 53.85 Cash credit Available $4,200.00 New Balance $3,353.1 d You may be able to avoid Periodic Finance Charges, see the reverse side for details- CaAback BonuSe Opening Cashback Bonus Balance S 25.08 New Cashback Bonus This Period ± 0.15 Cashback Bonus Balance S 25.23 Cashbaci BonusS Annivertary Month. February CONGRATULATIONS] Your Cos66ock Bonus(R) is wailing for you, Visit Discorer.com or call 1-800-DISCOVER (1-800.347-2683) to redeem. How Can We Help You? p I Visit Discovercohn to pay your Gilt for no c94 view our latest Account information, earn and redeem rewarJs and more it's your choice - 3 ways to help 2. Call 1-80aDISCOVER (347-2683) for kill, "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 8,4130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence- Trans. Post Date Date Poynents and ClrodAs Apr 6 Apr 6 PAYMENT THANK YOU $ 100.00 Merchandise/RetaR Apr 11 Apr 11 K&G MENS MONTGOMERYVILPA 60.48 )nforllnation 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 slalom ard 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 slatenerd. 9322205 Get the new debit card far teens with parenlol controls. With Current(SM) by Discover(R) Card, you can set spending limits, track card usage and restrict where they shop. Introduce your teen to small spending habits lodayl Use Promo Code TM409 by 7131109 to get the first month FREE ($5 value) at CurrentbyDiscover.com. See Web site for deta$s. Use Your Discover(K) Card to make a $150 donotion to The Statue of Llberly--Ellis Island Foundolion, Inc. and you can have the name of someone you core about engraved on The American Immigrant Wall of Honor(R), built to celebrate freedom and commemorate American Dreams. For more information, visit hlip!//www.wdlofhonor.org Looking for the perfect gift for Mother's Day? Save time and earn extra rewards with 5% to 20% Cashback Banus(R) at over 100 online retailers like Best Buy.com, FTD.com and Sephora through our exclusive onli ne shopping site, ShopDiscover(SM). Visit Discover.com/shop todayl Important lafarmmtba. Phem's more Oren one page bM tdirp statement, see he bacf of each page for additional important ir"mabon. rn 0 Sec your Cwdmembu Agreement. Yaw Canime,rb"Agarrnad eamans el he terms dywr AmounL z Lost or stolen cards. Report Wuredaldy! Cal tA64341-2603. p Wings Rights Summary. h Case at Errors a QuasfwrsAboufYor Bill: Iyou W your bd s wrap. or if you rued more nbmhalm ahouta transaction on Vow bit. write to us on a ° sgmaie sheelof ppsr at Own, a, PO Box 30421. Sal Lake Cdg UT 64136-0021. ea soon as possi le. We must hear from you nufater than 60 days a(Wive sum you the Irst bM an o o which do error or pratdemappemed. You an lelephane us, but dgerg so will not preserveyaa rights. law lalw. give us Ore kikwg inhnratiorr: w You name shdAccourd rear hen,. The dolor amount of do suspected error Describe the error said ofh ks, o you an. why you bWwm theta is an error, I you need more infonnalon, describe the ism you are unsure about You do nor have to pay any amour in question *his we am insas6pa0rq, but you are sM dtlpied to pay the parts of your bit Out are not in question, Wilde weinvesiga a Vw ciumi twecatrotseportyouaseMingsrerhlorWa any action hoolfect do amount you question Special Rule for Cfed'OCud Putcfasox- Y you have a probismtkilh the qm* of goods.aswmes diet you pudmsed wilt a credit tend, and you have tried in goad teAh to oared the prof" with he merdwA you eery anti t" to pyto ierrllbbg mmoant due on do goods or services. You Isle It sprolacion only when he purchase pica was moue tan $50 and the plrrlreee was made in you huge sole or V" 106 miss of your meiig address. (I we own or operate the merchant ordfwe mated you the ar}lmtisemmilfor Or goods or savioes, d purchases are covered mgrdess of the mount or location d purchaseI Payrsents. Send only your pmymeeA and do lop portion of tits skdemed in do erwelope provided. On not send cash By aentrg your check -dasrsabed above. you autlorixe us to roe idomeaton m your clock ea make an ektlmnic bad bmsler.:lom your account al he financial institution inrialedon your check or b prmressfie payment as a duxa Itansacfm If psystraels proassedas an elasmric led translet Uw mmsarY will he far tie axrnomn m Oka dneck Wfeen we use inbbrmewon awn you clwck b make m etxtroraic mad uaesrer, ands maybe ttxhdueen from Your account as snort as the same.paywe receive your payment, and you will not receive yo rcheck back from your Ina kid tnsildon. The pmmesing of your paynrekd maybe delayed i you send caslL eonespordama a rider items with yam payment, 7 you send tare pymem b any odor adfrass or d you mean ermbpe dher Porn he rim provided. Pgpmis received in proper form at out pmoessig faofly by 5PM local lime a anytlsy wit be credited to yurAtworuwas dtud day. Payments seceivtd at our peooessitg bcdly akw SPM local knewi be aedled to yo rAtwoml as of Pte next day. Iya have misplaced your envelope, send your payment to Discover. PO Box 6103, Card Sheen 1.60197-0103. Plwse aloes 7-10 days br dalfvay. I you pwormM is mkaned unpid. we reswm the fight b resubmit ites ale e6ckcricdWt You eak pay you minimum peyrrom era peakfamosRaver ate Nkphona. and you an ad up auwmedc payments. Cal us all-6g0W-2663. You wolf need fhs steferneM and your Ionic 60=0 infomoetiat You mxsn eawre Met sufficient fuda am available ynytar bank accord, and all aerrmkamns most comply with U.S. law. You v A be asked to provide to first 5 digits dyne accord s7ehmed zipcoda_ Byerdering Once numbers as yo r*xbodc ibnahue, you *Abe agmeirp to this aut orit4on tai us ancly err bank b deduct each payoad you adwoke kom "v baik amm mt and le nifste dabitor creel entries to your bank acoent. as applicable. b cared so am infix processing d such payment You roast tellus ha anonym desdn payment, wyer can salad an aroonmd srsdn as he Ik6rimum Payment nun ct the New Bdana m eado s6lenhertL You can rancela payment however we rnusl revive mlim atlast Ow drsiness days in a6mm d the achattuled payment. You may notify us byphone at f 600341-26M or by mailat the address isbd in Ore previous pararygdt I your payments may Vary in a burl wevif ial you m each mar" sWemeal when your peymem ws1 be made and how mach O wil he. You Atamutic payment amaml maybe less Omar irnelaaled on the norsldy sidarhedlmased m wedia or peyr wAs applied dung die bXvvl cyde. Credit Reporting. V& mayrepal whieamtion about yaxracoenrd bctedl bnaeaus.l.ele payments. missed payments, or cOwde(akdts on your account maybe reflected in you credit report. VNerpmadyrayorthes[alusemdyarmnorm dydrAmardtaameitreporfirgegav'irseechrrsormh.PycabaloveIlWourrepomsioaoetwcaorineorospltle.pteasewrite us at the blowig ack rew Discovr. PO Bch 15316. W DE 19650.5316. Pleaseinclude yaw name, address, home Wephorx number a d Accowd nwnber. PERIODIC ROWE CIPMES. Paiod'o Fmence Chargesa s imposod coal ka warcliom from do date he Imnsadhon is posted b yourAcuanl until der deleyou pay your mire New Balance, by making payraads or meowing oaths. However. Iyou paid the flew Bderm an your ptewous biting statement by he Payment Due Data shaww m Drat statement, and you paytaNew, BafarsbyThePapmhent DoDeteon_ ateedIrMgslatemarkwewitMimpowPenodeFinancierO*ge mwivpurchases. that s,prechesesfawrykpeaing er wise. you win receive a bft statement next amnh Prat urldes Periodic, Finance Charges an tame new, purchases. There on the woad slefement. kya evil his Thep ace period. Oth is no pace period an balance borders or cash advances. We salywfreraactionsinbgroups dphadheses,ashadrames,adbalancetramlersandthanfnttersotIhetransaciawwithineachgroupby6cirknnrdPeaeemageRate.Fa example, purchases M*d b a peamiad We and purchaeS sAect to a standard role world be separate goo". We refer to dose groups as hansac im ralegaies. At the end of each bigpenod, we compute belances and Periodic Fkama Carpus for each day of do bir g period for each kasackm category . We use he ictbairg egatim to compule PetagaFinarroeChagas fair eachNamumboacategory.Avaape0*Salem xmadberof do in he biting perfect xDailyPedadxRate. (You mayrefer todofinance charge summary on your billing slalaned loco face amouids.) Then we add up he Penadc Finance Charges for each lea eaceortalegary to get In blal Periodic Finance Charges for your Accoud. The Avaage Daly Baknoe isshemn as zaa it, because of the grace period, no Periodic Finance Charges apply b hebdmos in a katsadion category. We use ImAvarsge P* Odom pn cleft new 6asecicrsl mrehod of cakcieligi he balance upon which we intposb Periodic Finance Chagas. We c mbpula the Average gaily Balance dor each varsadgn calaguybyadding up al.ile dalyrbaimmi; in abiding periodlor a bansicioei ategay and daridng do kiat by the amber of days in doe b&w,y cede. We tstspue ttre deiyheteece fueoc h kamsecfon aleMon each day by font eddnp he blms b the previous day's daily behimm Vartseebom made go day. fees charged that day and Perbdc Fhrenc?e Cloages aoohod mOrpreui ueWs ddybalance; and by then afteclag arycre64s and payments that are applied against do balance a) the transaction o togay at W day bcdedahp he dniy belanoe for Oo fiideyof ha bihy period. we caaidr Oo'pmvia s daJs bdanee to have been yorbarmwe la' aadr katsaction categorym he last day of yourpreviaas big period Ia bataectlon is posted to y=Aocaam after the dose o (the biting period n which it own, we w8 heat the transactim as lov- ng ommedon he last daft eta bOM pedod n widmh O is posted byaa Account AA twos Apaml ore added ID he Asaiderd purchase transaction axgay with he exception of CashAdvance Transaction Fee France Maps whin are added to do ? kryghRa Qa?r.. category and Belem TrgskrTraroadon Fee Finances Charges which are added "a applicable balance transfer kamaiim calm" When a special belerwe l Ierrate expires, we move the unpaid below of he balance transfer and tie Balance Transfer imnsecfon Fee Finance Cloages b Has standard purchase karmclarn cMegay. IbwnM. Ptsespecial rata has load NU*vhd underto Defaot Rate Pam. we leave the unpaid balance d ha balance ir"ler and he Bab nceTreosfev Teen. action Fee favrnce changes in the apirk ble kmseclm am" until he special mW wade have expired. For TDD (IrtecomuanmitcaPoa Device lar the Duo assialana, please call 14W347.744t. Discovamay maMor adfor record telephone als bsfwer n you and Discover representelves for gvalty assurance pupmas. The Oil wW cad is sued by Disoae Be* Mader FCG. 01TOK170 DISCOVER I--Btwysto -+ LEEANN BROWN E- R' j Account number ending in 1856 L ?C! Take your account to go! Manage your account on your schedule with the Discovers mobile app See account history, make or schedule poymeofs, view recent transactions, sign up for 5% Cashback rewards, and more. 11's lost, convenient, and free. If you have a 6arcado reader, scan 16 code on the right to download your Discover app or visit www.&sccFver.com/apps X2011 Diemvu Balk, M Lwr FDIC ?.4? e'} 1, Q _r l n Closing Date: April 17, 2009 page 2 of 2 ghawo 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 $1783.16 0.05203% 18.99% F 18.99% $28.76 $0 Cash Advances $0 0.06847% 24.99% F 24.99% $O $0 Balance Transfers $1556.66 0.05203% 18.99% F 16.99% $25.09 $O The rates that apply to your Account are either fixed (F1 or they may vary M as nated above. Questions? Manage your account at Discover.com or tail I-M-DISCOVER 11.800-347-2683). r -- DISCOVER New Balance 1 MinimuA Payment Due $3,807.53 $210.00 Paymed Due Date June 12, 2009 Account Number ending in 1856 Enter Amount Enclosed Below Please make check payable to Discover Card. Minimum payment due includes a past due amount of $$99.00. 17 SDSW)A01 8004318 LEEANN BROWN Access and manage yow account at 1234 BENT CREEK BLVD www.Discover.comorvisitm.dscover.com an your mobile phone. PO BOX 71084 11111111 1 Is 1121111111 141111 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space Irrirllrnlrrrfill it Ju1911411111tll111l111Hllrrl111It III It 11 above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000003,986458515494090038075300000000021000 Discover More Card Account Summary Closing Dale: May 17, 2009 page 1 of 2 Account number ending in 1856 Previous Balance $3,353.14 Payment Due Date June 12, 2009 Payments And Credits 0,00 Minimum Payment Due $210.00 Purchases + 375.16 Credit limit $8,300.00 Cash Advances + 0.00 Credit Available $4,492.00 Balance Transfers + 0.00 Cash Credit limit $4,200.00 Finance dwrges + 79.23 Cash Credit Available $4,200.00 ___ Now Balance $3,807.53 You raay be able to avoid Periodic Finan ce Clrsrgos, see the reverse side for details. Cashback Bonuse Cashbock Sonus® Anniversary Month: February Opening Cashback Borws Balance $ 25.23 New Cashbadc Bonus This Period ± 0.83 Coshback Bonus Balance $ 26.06 Mow Can We Hey„ You? I' I Visit Discovercorn to pay your bit for no cost;- view your r latest Account information, earn and redeem wards and more It's your choice - 3 ways to help 2- Call I-800-DISCOVER 1347.26831 for fast easy self-service P" have your Discover Card available. , °Pt? or to speak with a Customer Service Account Manager scover Card, PO Box 309113, For TOO, (assistonce for hearing impaired) see reverse side 3. Write us at t SaI Lake City, y, LIT T 841 30 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Merchandise/Retail Apr 25 Apr 25 WALdv1ARY SC 111886 MECHANICSBURGPA $' 47,61 May 2 May 2 PURSE ONA BOWIE MD 90.110 Other/hUscelloneaus May 17 May 17 LATE FEE 39 00 Travel/Entertainment Apr T 1 Apr 18 PLEASE TOUCH MUSEUM PHILADELPHIA PA 6.00 Apr 1 1 Apr 18 PLEASE TOUCH MUSEUM PHILADELPHIA PA 50.00 Services Apr 18 Apr 18 QUALITY CLEANERS LAMOYNE PA 142.45 lnformation fdr You - - - - - Balance Transfer offer(s) for current billing period: Daily Periodic Rate: 0.07189%i corresponding ANNUAL PERCENTAGE RATE: 2624% 9322MSTtON * * * Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. Great summer savings are just a click owayl Earn 5% to 20% Cashback Bonus(R) every day at over 100 top retailers like Sears, BesIBuy.com, and Lands' End through our exclusive online shopping site, ShopDbcover(SM). Just visit Discover.corn/shop today! krportant Information. ahem is more item amen page to Iris Wklhp statement see the back of each page for additional mpalant information. U) See your CardmembecAgreemoed. Your CardmembaAgrecned contains al the lams of yourAcoma z Lost or sbien cards. Report ieraedialelyl Cat 1.606.3/7-2681 y 0 Bithhg Rights Summary. In Case of Firorsar OuestionsAbout You Bit: tyou think your bid is wrong, or if you reed mote information about a transaction on your bil, write to us on a J separatesheel of paper at bismra, PO Box 30421. Sat Lake Cr* UT 811360121, as soon as possible. We ehhst heat tan you no Inlet than 60 days after we sent you to kern bit on which tae am or problem appoanA You can telephone ms, but doing so we not preserve your ri3hms. In your lens, give rs fie ks7nwe>tJ bfancatm • Your reme arA Ascent hvmhba. The ddor amount at the srhspe Ted emof. o Describe the arorand explain. i you cat, why you below there is an amok t you need more inks nation, describe the Mem you are Inane about 0 You do not have to pay anyamotml4gwyfortwhile weamiwasd9atrg,butyoramsak obligated pods of our big that are not in b pay your question.Whieue loves igateyaur qumsimt.ftcauetreport yoeasddngtterdartake xryactmbooledUseamount you fmr Special Rule for Credit Card Purchases: t you have a peblern with the quality dgoods or services that yore p rchased wilts aaafl card. and you have tried in goal tarts to Cuffed to problem %M the merchant, yrou may rot have to pay#w eanaliti lq ametteel due on the goods or services. You have M "effort o1* whea the purchase pits eras More ban 550 and to padrhse vAC made In yurrbome gate crwwThin IW miles *(yew mafrhg address. (t wa own oroperate We merchant, or Awe mated you the advertisement for the goods or services, of purchases are covered mgndless of to arrwetor location of purchase.) Payment. Send only yaw payment and the lop portm d th slabmet In** ennelope provided. Dorol send cash By sending your deck as described above, you s Ahodre its to use Monatim on yaw check b make an dadsoric fund transfer from your acmtid al the financial i Oblon indicated on your check or to process the payment as a dhoti transaction IIpapoemisprocessed asanelectronic luhdtransfer,thetramf rwillbeforfeanowldthechock.Whenweusekhknaadonhornyourdiedtbmakeanefedroicfundtransfer, fads may be wllhdram from your aomhrt as soon as the same day we recdo your payment, and you will not me" yourdhed hack from your knanoiaf institution. The processing of your payment may be delayed it you sad aril, conesporderim or other items with Your payment, if you send the payrom to any other address or d you use an emdopeafter than die one prnuide 1. Paymards received is ptapha form alarpomssing bar ty by VM bat lime on antsy day will be credled to yohrAaount as of that day. Payments received at our processing fact ly off 5PM leaf lme will beaedled to your Account as of to neat daft If you have msplaced you envelope, send your payment b Memel. FO Bnx6103. Cool. `' IL 601974101 Please allow 7-i0•day3 for de". If your payment Is neared unpaid, we reserve We sight to resubmit d as an electronic debiL You can pay yaw minimum payment or a greets amount over five tlephma, and you an set up automatic parmils. Cal us at 1,800.347-2665. Yuri wit reed this statement and your bank amount tdormallorc You mast owe that sufficient fords are oak" in your bark KWA and all barsaicixs must tangly with U.S. law You vet be asked to provide the W 5 dgis of your acco nit statement ZIP code. By entetrg than mashers as your dectmank signahwe, you will be agreeing to this auttho0alion to alow as and your thank to deducl each paywreM you authorize lure you bards aceoeaht, and b inhale debl or credit mites to your bank account, as applicable. to correct an error in Re processing of such payment. You must let us Bmamount of each paymerht aryoa can select an amount Mach as the Arrdnhum Payment Due or the Now Balance on each statement You an cancel a parfait: hoWeret we must mottivo oDke al bast tame business days in ad ance of ft scheduled paplell You may nobly us by phone at IMB-341-2663 or by nhai at the address tailed in the previous paragraph l yea paymenlis vary in amount we wil6tf you on each monthly statement when your payment wit be made and tow match it will be. You automatic payment amount may be lass than indicated an the nhomfdystatement based on credit or payments appled during tie hikng cycle, Credit Re"Org, We may repail inknesalon about your account to credit lwimK s. Late payments, missed paymehls, crolnerdefatdks on your account may be reflected its yaw credt report We kwmnty report the sly acct paymeri fisbrydyowAaaunl b uedi repartrg agencies each month. A you beleve 1hal our repord is Inaccurate of khoanpleb, please vaMu >s at to blowig address.. Discover. PO Box 15316. Wimi glom, ATE 198503316. Ream include your name, address, hone lehhptdne number and Accomtnumba. Grace Period on purchases (at least 25 days). We begin he impose Periodic Fnauda Charges an al barssacios from the Tiansadiah Date to the bensadim as shown on your billing slalmeK urdess a bamiaclon Is posted b yawAccount sifter the dose of the bilisg period In which it occurs, in which case we begin to ktpaae Periodic Fiance Charges an that barsedon ban the fist day of fen bdngperiod in which I is PMW In ymAccohnt. We mime In Impose Periodic Fnarhce Charges tell the dale you pay you entke New Balance. by madij paymortle, or re elvkg wands. ibrever, if you paid dw Now Babrice m your previous biting stabmed by the Payment Duo Veto shown co ghat bifsg slalemed and you pay the New l3telance by the Peyneel Due Dale on your current birhg sbkm*M we will not bpose Pmodic Finale Charges on new purchases, that is, purchases first appearing on the current biting statement We cat ft the Vince paid.' That le no gram period m balance transfers or cash advances. Wrhinmm Finance Charge. We will large you a miumum FINANCE CHARGE of $200 for any biting period in which Pedodc Finance Charges of less than $2.00 Wald otherwise be imposed. Mnuol fK gyaaAaamt has an annualte, it will be b bled at Iva beginning of each anniversary year your Account is open. The amount of fie [Be appears m the statement when the ken is billed. Be annual be is rot relu dable unless you rhdtyis that you wish to dose you Amxom vift 30 days of the mailing or delivery dale of the statement on which to fee is hi ad. You wit mearm gds rekahd even tym hoe your Cad daing Oct period. Polack Fl aaee, Charges. We sea year lamsadiors into grm{rs of purchases. rash advances, and haL•rue translate and then tnhorsat the iansadkxs wi hm each group by aleirAnsma Percenrega Rate_ For axanrph , prdn ases w hismto rmkhtwa :le and purchases sutypY 10 a =k piard rate world be separate gra.is. Wit refai tuthese groups as transaction alegades.At the and of each bNM period, wecole" balances and Periodic Finance Charges for each day of the billing period for each bansadion cate(pry- We use the btmakg mfus" to ample Periodic Pinata Changes for each lramsaction category (Average Daily ft" Imes (days to bft period) fines P*Peiodc Rate) (You may refer to le ikhance change sterarhryon Vain biting S 09MI br these amatrrk.) Thu 1ve add up the Periodic FihBhce (to ' for each bansadiort category to gent the b?taf Pabdt FnartaCfhages for yourAcaurad TfhaAveaga Rtiy Balance is ftm as mad, because of fie grace period, no Periods rnwom Carges olo totha babnrce its a tr Nre?D?atSyBalarhx (YmArfrgncw tmeac6ars} rmheldd dafada0ng foe baiuhce upon wdich we impow Periode Finance Charges. l4k compute the Average Davy Balance fa each hrsactiah oabgap by addng up elk daffy belanoes in a bkkng peiod br a trarssadbii ralagory and &vMkg die total by the rumba of days in the Ming period. We carrpuAe fen datyaalanc?e br eadn tr8sardohh categanyan each day by teat adflrg then feeowig b she prasious days daag bafxhca: transactions with a Transaction Data of Met day as charm on your liirg aklerwt. radesa the Irasa6m's posled b ystrA cmrxt aier doe tire of Ire biBsg period in which t occurs, in which case doe transaction will be added b the 4iy belalnne aedlhe first dayd Mee i?a9 period b wlddt f is ported b ynuAcCuUm, Dees durged teal day and Periodic Finance Charges accrued on the previous day's day Uatorhoe;andbytomshthtraclrcyatyaed6andpaynrrerdsliftamapplad f@hebalehcedlaharssacfancategoryonthat day. incalada6ngthedaffybAmcaforthefastdayd Mite biigprod, wecersfder tm-pnerriors s daky belanhce' b have been your 6ahance fa cad Iransacfat akegory on the last day of your previous biting period. AN fees degel to your Accrued are added b the standard pradmae transact on ralegory wads the eocepkn of Cash Aoiance Tmsadion Fee finance Charges which are added to the appkcebbeash 04'rimce trtasecioq cdeM and 8018300 Ttaasten TtamactiW Fee Finance Charges 40 are added to the applicable balance transfer ba isadion category When the VKW rate MOM wa rare ttempald balance of the bob= bander and the 8ahncce Transfer Transaction Foe finance Charges b the standard purchase ba tsacben rim gory tiowevar,-ilo special rte has been Im i abd under the0etutRate sodon, we leave the unpaid balance of the balance transfer and the Valance Tmnsler Tnn&actuo Fee Finance. Clsages In the appiabk baiarhce burster Irasactl0o alegoy until In spaial rate would have erp(red. For MD (Felecammoakadons Device for the Dural} mimsfr". plow cat 1.11 41.740A Discover mayr nwrTOn andkor raced Idgtmae calls belwveerlyw and Meoysrrepresertbtvas forgtully assurance purposes. The Discoveh' card is Issued by Discover Bank. Member FIX O ITBKl81 DISCOVER' ^h pars to 1 IEEANN BROWN nlcr?s+Ya!?ry' Account number ending in 1856 DF7G? T'Cr? Take your account to go! Manage your account on your schedule with the D'rscotetesnoWe app, See account history, make or schedule payments, view recant transadions, sign up for 5`1; Cosh6=k rewards, and more, h's last cvwa+ient, and free. If you have a barcode reader, scan the code on 16 right to download your Discover app or visit wwwAiscover cwnf apps V201 I Dix-e-k, Member FDIC I LIT I ?r Closing Dade: May 17, 2009 page 2 of 2 b8ox Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Pertodtc Fee Daily ; Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Bda s Rates RATES RATES _ CHARGES CHARGES current billing period: 30 days Purchases $21A9.95 0.07189% 26.24% V 2624% $46.37 $O Cash Advances $0 0.08216% 29.99% V 29.99% $0 $O Balance Transfers $152.4.00 0.07189% 26.24% V 26.26% $32.66 $0 Tire rates that apply to your Account are either fixed (F) or dwy shay vary NI as noted above. Questions? Manage your account at Discoverxown or call 1-800-DISCOVER (1-800-347-2683). t New Balance t Minimum Payment Due Account Number ending in 1856 DISCOVER $3,713.01 S109.00 __J Enter Amount Enclosed Below Payment Due Date July 12, 2009 Please make check payable to Discover Card or pay online 0 Discoyercard-com. W SDSNWI 0004319 LEEANN BROWN wwAccess w-Diandmenrnvir tat wow Discover.com or or visit m.rf m.discrscovaccom 1234 BENT CREEK BLVD on your mobile phone. ?q - - - PO BOX 71084 1111,rilrrr,r 111111,1 a loll CHARLOTTE HC 28272-1084 Address, e-mail ortelephone change? Print change inspace lultllliltnltllnilnln?unll)lnt?nlnlifllnrltnlnlt?ul? above, or go to Discovar_com. Print your e-mail address to receive important Account information and special offers. 00000198645857,549409003713010021000007x0900 Discover More Card Account Summary Closing Date: June 17, 2009 page 1 of 1 Account number ending in 1856 Payment Due Date July 12, 2009 Minimum Payment Due $109.00 Credit Limit $8,300.00 Credit Available $4,586.00 Cash Credit Limit $4,200.00 Cash Credit Available $_4,200.00 Previous Balance $3,807.53 Payments And Credits 210.00 Purchases + 29.95 Cash Advances + 0.00 Balance Transfers + 0.00 Finance Charges + 85.53 New Baksnce $3,713.01 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bow e Cashback BonusO Anniversa"ry" Month: February Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashbock Bonus(R). Opening C ishback Bonus Balance S 26.06 New Cashbock Bonus This Period + 0.07 Redeemed This Period 20.00 Cashbadc Bonus Balance $ 6.13 How Can We Help You? I Visit AiscowsrJcesn to pay your bill for no cost, view your latest Account information, earn and redeem rewards and more It's your choke - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy seWservice ve your Discover Card available. options or to speak with a Customer Service Account Manager Please ha 3 For TDD assistance for hearing impaired) see reverse side . Write us at Discover Card, PO Box 309Q3, I Salf Lake City, to 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Pest Dab Date Payments and Crodits Jun 12 Jun 12 PAYMENT THANK YOU $ -210.00 Restaurants May 18 May 18 CAFE CAMPBELLTOWN HERSHEY PA 29.95 gFjpnW Charge Summary Nom inal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE acidness Rotes _ RATES RATES _ CHARGES CHARGES current billing period: 31 days Purchases $2321.38 0.07189% 26.24% V 26.24% $51.73 $0 Cash Advances $0 0.08216% 29.99% V 29.99% $0 $0 Balance Transfers $1517.05 0.07189% 26.2.4% V 26.241). $33.80 $0 The rotes that apply to your Account are either fixed (F1 or they may wry M os noted above. Important Inbrata" Il there is more Nan ore Page to this; Mabl aknferr1E11L sere lie Lack d each page for additional hhp W bbnnaiore See your CaMrnemberAgmenfentYour CanbhetnherAgreemardcentaksaithekimsdymAccant Lost or stolen cords. Roped nwedialelyl Cad I-M.UY-2983. Billing RWft Suomrayr. In Case of Ervorsa Oiestiorv Abdul Yvx Bi : ifyou think your bill is vra+g, ail you need mine inlonnalion abed a transaction an your bit write to us on a separate sheet of paper at Discom. PO Her 30421. Saktake CIV UT 8413&0421, as snort as possale. We ratO bear hire you no later son 60 darns after we sent you the firer bill on which the error or problem appeared. You can tetrplmo uk but doing so wi rill preserve ym eghts. h yak 9dler, gk us th fdW g kbmlow: Your tame and Acoaed number. The dollar amount of de suspected am. De%TU the einor ad explain. it you can, why you believe therein an moo N you need roe Inlon atbn, describe to keen you are umtxeabout. You do not have to pay any arnmUm la quesionwbb we are kwasfgatn9. but you are sat obigated to pay he parts of your bill M are not is queslan. While we imes69atc your gaes6on,wecannot mpodyouasdelinquent orWeartyactionhcalled thearriamtyamgnesfnn Special Rub for Credit Card Purchases: N you haws a pt UM mAh the quaHy ofgoods or swAceslhat you purchased with a codtad, and you have hied In good fah h to Cored thepreblermm41ttleroeadad,youmaytmlhave bpaylena anigamourdueonthagoodsorsen4os.Youhavethisinchiciianardywhenthepurcasepricewasminethan$50 and thepudasewasmadamyour homeable orwithin 100a tdyounraigaddress.(Nweownaoperate Itereerdrant,aNwemailedyoutheadverksermmtiortegoods d services, all purchases are oweted regardless of the amount orbmton dpurdase.) Paym rAL Sad only your papnerd and Ie top portion of We shier art In taenvekpe pmvded. Do not send cash. By sending your dhadt as descnbed Mown, you autlhaim us to use inlaanafon ea yore dear k to make an ebctrahfc Ind I aaterkea your annual at thakeanedal bwlla6ah Indicated on ym deer or b process the paynolas a dock imnsadien. N payment b pcoaieseed as an ateeeonic rod bander, has tare(awD tea nor tlo hsmwt dthe dodo Yden are use ktamratoh Ian you cwolt b make ou ebdrrek anal transter, funds may bo witsdrawn f omyow acoohM as soon as t e same daywe reoebe gist payment, and you wsT not receive your check back korn yaw khan?l Isathrdmh. The processing of your payment "be debyed gym sad eLA aasespadsme orMher Nunn with yak payment. N you sand thapaynrnt to any other address a ityou use an envelope other am literate provided. Payments reodved in prgrorfamato rpoonsing betty by 5PU local time on anyday will be aa6bd bymAcco rt as dawl day. Payments received douprocessingtaeTiyraler5PMlocal tinewibecradledbyatrAcmurlasdtlarestday.lyahmsnimplacedyour envelops, saidyourpaymeaibOisaw ,, PO Box 6-IM, Card, Smarr, ! 601914103. Please akoW 7-10-dW for delivery, Ryan papml is returned unpaid, we reserve 0o rin to mgjbmk 0 as an dedrmc debk. You an payyou tnktkmm piyine t or ageeater amount over the telephone. and you can setup mitosiatc payments. Cal us al I-M347-26a You will need his statarwd and your bci acmrt Monnalioee you mud emcee tat sdfwedhws ere avadebfe b your bank account and nth irasedm mW ooq* wlh U_S. bin, Yo vd be asked b provide re lsl Sdgik dyer account statement ZIP code. By mbrhg tone rsrnbers as yo releetrmksignakre, you will be agreeing b tits aulhori afon to allow us and you beak to deduct each paynmt you a dhqim, from you bank acmrrht arhd to Inbab debt auedN entries b ynrbadk amorut, as applicable, to coned an armor in to procenisg of suchpaymart. You must Wn UL tha amount of each payvand or yak an sated an ae sa ru such as the Wdmm Payohent One ate Nr:w Bab" on each 3LOsment. You can aaeal a payment l.mmmve new receive mlioe at ba®llsee budnessdays in adwamed the scheduled payment You" loth us by phone at 14MM 2M3 or by mail at the address isledin the previous gyp, , n 1payrne,? way in arnownt, we will fell youcin eacha vmm* statement when ? youe poyineatiel be made and how audr twill be. Your au annaiicpaymenl armut may Cradle Raponkta ytfe mayreponi ktamelbn sine thou asmumtb aedd bureaus. late payments. rnlssed paym nh a Meer dekkWa on youratnnum may be reNedud in your credit repot, We rhaaatlyrepod ilia stabs and paMent p ryrdyouAomuuntbaedN nepakn9 agencies each month. I you believe Nat our report's Inacanate or Incomplete, please wilco us al Ire tdbvkng aoltkets . PO Bork 15316. VAW ngten. DE 19850-53% Please include your nanhe, address, borne WeFbane remshnandAocouet marker. Grace Period on Purchases (at bast 25 dmysl. We begin to impose Periodic Finance Chagas on as transactions Ian fie Treasedin Oahe for the lea wdio h as shover on your biting shbired, unless a transaction's posted b your Aaastd rdue close dtha bAvV period In wNch I omm it which osewe begin to kWm Perbdc Finance Charges an that transaeft from the kd day dthe Wing period in which k Is posted b you Account. We can*= to krpose Periokk Finance pages until ft date you pay youvaire Now Balance, by making paynrhntlsor receiving cmdkL ibwerm, kyoupatd do New Bebnoon yore previous Riling stalerrie t by to Parnert Due Dab dwah an tal biirg statement and you pay tfhe New Below by to Paynnern Due Dale an your current billing sIaI at we will not Impose Periodic Fiance Charges on new prndtases. Ilan is, purchases first appearing on the current bifngafelarn tWeall this the'grace period."There baregram period onbalance kandrrserrcash advace& Mlnk win Finance Charge. We will charge you a mininn rn FINANCE CHARGE of $2110 for any htlngpedod in Mich Peerbdo Finance Chvjes of less dim E2.00 would otherwise be imposed. Annual Fes 9yo rAooaeu has an annual lee, it will be billed aloe beginning of each anaken eryyewyour Accout Is open. The amour of to kc appem on ere sblanniet when the fee is bled, The arced hoe Is not refishdakle unless ymnoiyusdedyouwish to close your Accout wit* 30 days of to makng or ekdary, date of the sutenhent on which the fee's blind. you wi reeihe tits died even N you use your Conti during tot period. Periodic Fi ana Gkattas.Yrha sod you transactions Irhb grope dpurchaaea. cash advances, and balance translers and son Wier sat the IrwMadions within each group by t sAX-A PenceYaga P:n = hue prrrta,es sedrjeclba prumhck xfa tea ad prJasn s d eM b a stadard aster would he wparahagroups. We refs b douse giasyu m transaction casogodasN Nine end d each bVM period. we eonptb balances and Pedaeta Finances Charges for each daydlhe bang period For each transaction category. We use lie fdbming esytiaton to oonphte periodic Fos m Charges for web hasactiah uategay (Average Daily Babrhee) t' -(days In bang peniodl torah (Daly PaioAc Rob). (Yak may relate the llnue derge suwmnay on yauhifng atpteaer'For lbase amouis.) Theo we add up the Periodic Fiance Changes for each transaction categmyr(a get the Intel Periodic Finance Charges for you Account. TheArerage Daly Balance Is dw m as ma if, bee se of the grace paced, no Periodic Fiance Charges appy to the balance in a Yob PA t3efa. (kduirg new transactions) mdhod dalamatitht the babnee upon which we impose Periodic I'viance Charges. We comphte the Average Daily Halace ter eedn tnrwectiern eabgny by gelding up as the duty k knees in abikg pafodfora transaction category and 6vidng the Idol by the numW of days in one b" perbd. We aonpulia the daily baluma lar each kansscion c"ory an each dayby*0 &KN g thebtmwkg to the prewtos day's daily baance: hansactws with a Transacton Date of tat day as sdemh an yoke Willing statement unless to baroecion b pooled b yourAcaexml after tie dose of No bikg period in which it occurs. in which case the transaction will be added to hhe daily balance as of go first dayd Nil bWQ period in which cis posted toyour Aomnt tees charged Nat day and Periodic Fa+nhae Chagas accrued an to pwAous days daily balance andbyliensrbkne(nganyaeftandpagmerisdalareappliedagainetthebalanced tietraraectonalegoryremtatday.In,alailirrgNinedallybelance forthe"day of la bbq perkA we ormider ihe'previaa days duly baknce'b bare beat your balace for eeachhanrsae'Ymn category on lire test dayd your Wewious biting period. AN foes Barged b yvuAenout are added to The shandarcipadme ummobun category vdh the ei¢epdoo of Cash Adwance Transaction Fee Rmance Charges vd" are added to the applicable; rah advance kassa Lion,argon and Bdance7irander To sasdion Fee France faages which are added to de applicable balmwe braafer transaction category. Wfitn the special orb erpios,ae arm lire unpaid balance of to bdwm I arskrand the Babas Tender Transaction Fee Franca Charges b Oman" yxudhase tam actm category However, a the special rate has been leariruted underthe Did" Rate sectm welem tie impafd balance of the bateewo transfer and the Balance Transfer Transaction Fee Finance C2hagesihtoa our"balancekarufee bamadonaWMudliresps"ratewmMhereeripked. ForTW ITebpwmudofoea Devlaa for the Dean "cadence, ideass tali 1.800,147-7449. Dammusayr nharilirandfor nod te:kglhone cols behreen you and Discover representatives for gLWky assurance purposes. The D wove Card is tested by Discover Bank, Nlen*er FDIC, 01TBR181 DISCOVER New Balance 1 Minimum Paymeni Due , Account Number ending in 1' 856 $4,012.33 $118.00 J Enter Amount Enclosed Below Payment Due Date $ C August 12, 2009 Please make check payable to piscover Card or pay online 0 Discovercard.cosn_ 17 SDSNGAOI OOM20 LEEANN BROWN Access and manage your account at www.Discavercom or visit m.disoover_com _ 1234 BENT CREEK BLVD on your mobile phone. ICS URG PA 17050-1859 PO BOX 71084 1llrirl1ssuu111ns)Irit CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space Irr)r((i?)i?rl (( ??( ) (rrrO(lur(ul?r(rrllnlu)nlilrrli above, or go to D iscover.com. Print your e-mail address to receive important Account information and special offers. 0000019b6458515494090040123300109000011800 Discover More Card Account Summary Closing Date: July 17, 2009 page 1 of 2 Account number ending in 1856 Previous Balance $3,713-01 Payment Due Date August 12, 2009 Payments And Credits 109.00 Minimum Payment Due sits-00 Purchases + 321.99 Credit Limit $8,300.00 Cash Advances + 0.00 Credit Available $4,287.00 Balance Transfers + 0.00 Cash credit Limit $4,200.00 Finance Qsarjes 86.33 + Cash Credit Available $4,200.00 New Balance _ _ = $4,012-33 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 6.13 New Cashback Bonus This Period + 0.80 Cashback Bonus Balance $ 633 Cashbdck Boru638 AirriiviWary M onnth: February ? t 0w Can tlY ?A,e Help You? f7 your I visit Discover cam to fay your bill for no cast, view latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800DiSCOVER (3d7-2683) For last, easy selk"rvice Please have your Discover Card available. Zile or to speak with a Customer Service Account Manager 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. Past Date Date Poynsents and Credits Jul 12 Jul 12 PAYMENT THANK YOU $ 109.00 Merchandise/Retail Jun 20 Jun 20 BEST BUY CO MECHANICSBURGPA 25.00 Jun 20 Jun 20 BEST BUY CO MECHANICSBURGPA 233.19 Travel/Entertainment Jul 4 Jul 4 NATIONAL AQUARIUM IN BAL BALTIMORE MD 63.80 Information For You Earn 5% CauYmck Bonus from now through September onus, l-lotals, Theme Parks, Zoos and Bookstores on up to $300 in purchases. Sign up now at Discovencom or call 1.800-DISCOVER (1.800347.2683). figp&vg 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 $2646.04 0.07189% 26.2A% V 26.24% $57.06 $0 Cash Advances $0 0.08216% 29.99% V 29.99% $0 $0 BakmceTransfers $1357.32 0.07189% 26.24% V 2624% $2927 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above_ Fag fashions breaking the bank? Shop back-toschool sales through our exclusive online shopping site ShopDiscamr(SM)I Earn 5% to 20% Cashback Bonvs(R) at your favorlta online retailers like Gap, Lairds' End, JCPenney and many more- Visit Discover.com/shop today! tmpodant inbmha ion. Itlhee is Tae Ihantne page loft bhlrpg statemeea seethe back olearh page braddilic nal important inn-ban 0 a See you CardmemberAgmerned. Your Ca drnaxhbaAgreeMM xvhp'ts all le terms d ymAmeal rn z Last .,shorn cards, Repot i mmedraedyl Call 1400347-2683. o Biting RWft Soomauy. In Came d Emom or Questions About Your Bit: If you think your bill is w0^9. a I you need more infomalion about a Uanaactiun an your bit, vale to in or a $ separate shied at paper at Discover, PO6ac 30421, Salt Lake City. UT 841300421, as soon as posdh4. We most fha3t from you no later dorm 60 days a8a we seal you to her bb on d dng so will not preserve your rights. In yon War. give us the Moving inlomek m winch the aror or problem appeared. You can telephone us. but Your name andAccount number. ^h O The darer arrant of *a suspected error Describe the emir and explain. W you can. why you believe them is an nor. I you need more kirma ton, describe the item you are tsmou about You do net have b pay anyamrmd in Qne" while we are it irhg, but you are so obligated to pay the parts of your to theI am rat in question. lMde we nvestigate you cluesfrd vie carted report you as delnquat or take any aim to coW the amount you questm Special Mule for Credit card Pun*wAs: If you have a problem with the quality of goods a services that you purchased with a audit card, and you lake hied in good fails to correct the problem with to moment, youaaynot have to pay the renikhing amount due on lie goods or serves. You have ft protection any when to purrhasa pica was am tua$50 and to purchase was nude n your home data or within 100 miss or yoke mailing address. (If we arm or operate the nerdvaa, of I we malted you the advatisenienr for the goods or services, ON pudhases are covered rerpoless at the areeu t of location of purchase.) PaIrmeMs. Sad only your payrrwt and the top porton of this statement h to alvelope pmvided. Do net sand cash. By sending your check as despired above, youautrarme us to use infamatim an yam check to make an PJE[ian: fad transfer I =yo your account at the financial Institution Indicated on yea tack or b process the papnerd as a check kaasaefea. II payment is processed as an electsinie fund hander, the bansW will be for the amount of the rhadk. When we use inbmhalion from your check to nuke an etedmanie fun bami:d lads may be wWwkaran tram yaw attorant as soon as to same day we receive Vow payment, and you will not receive your deck back from your financial khsiiRoa The processing of your payment shay be delayed I you sad carah, connpohdsrce or other hems with yaw payment. I you send the payment to any other address or I you use an envelope other am the one provided. Payma nts recaired In proper knob at our processing facility by SPM local line on any day waf be coedited to your Account as of tit day. Payments received at ow pocessinif facility Met 5PM kcal firms will be ere" o your Accrual as of the next day. Yyou have misplaced your awd". send your peymot to Discover. PO Box 6103. Card, Stream, t 60197-6103. Please aloe 7-10 days tar dwivay. Ir your payment is mimed unpaid. we reserve the dghl to reshbmt a as an elactraric deDA You can pay you mkilm me papned da greater amount over do telephone, and you can set up sitomatc payments. Cap us al 1806347-2683. You will need ttsstasan ern and your bait accus" Wo nsuoo You must amm that sulf cart runs are aveiable In you bank soomm and all hansad"s most comply will U.S. law. You wRl be tried to provide the test 5 0gi6 of your account shlamheN2lPcode. By entering /use remnbers as your sbdronic aignaama, you wig be agreeing to Ins autnrization he allow us and your bank to dedudeach payment you authorize ion war bank account. and b Initiate dsiil or ere* entries b your bank account as appkable, to cored an error in to processing dude payment You mat id in theanauit death payment or you can sehect an amotA such as the Wairma Payment Due or the New Balance on each statement. You can cancel a paydtet; however we must receive nonce at land tree beskass days in advance of the scheduled payment You may noify us by phone at 144347-2683 or by mail at the addra s rated in to previous paragraytu. If your payments very in mount, vie will lea IOU on aach monthly statement when your paymentwll be made and how much p ws be. Your aulomeic payment amount may be less than iniMaled mr de maahy salernet based on credits or payments applied dudq the hTwg cyde. Credil Reporting. V& may report nomufun aboul your amount b aecil brrraa. Late payments. missed paymerA or other defaults on your account may be cdkcled in yak rxer$ ". Wit namallyreport the abia and payment Us" of ywAomurlt to aedill repo" agencies each monk. I you believe that our report Is inaccurate or incomplete, please hsrte us at the Intoning address: Discover, PO Box 15316, Wilmington. DE 19850.5316. Please In dude yrxhr farm, address, how telephone number and Account number. Grace Period on Purchases (at least 25 daysj. We begin to impose Periodic Finance Charges on all transactions from the Trarsadim Date for the bartsactica as shown an your billing statement, union a hansmrfu+® posted to yarAocarn after the close of the bing period in which it occurs, In which ease we begin b impose Periodic Finarm Charges our owl varrsac9m from to trslday of the Wing period In which it Is posted to your Amount We om*we to Impose Periodic Finance Charges undid the date you fay your entire New Balance, by malwg payments or receiving aedb. However, I you paid ft New Balance on your Previous bT%smlemadby to Payment Dire Date shorn on thal b&q sWmhenl and you pay the New Balance by to payment Ow Data on yours rued btefrhg statement we will not Irgose Periodic France Charges an new pmadhases, dial Is, purchases first appeasing on the current hiWg statement. V%call ens use Vase pedal' there is no grace period on balance transfers or cash advances. Minimum Flimmot Charge. We will cage your a minkn min FINANCE CHARGE of $200 kr any biFg period in which Prdalic Finance Charges at ress Ihan $200 wattd ahervase be Imposed. Annual Fat. If your Account has an annual tee, 8 will be bled at the begin ft of each anniversary, yeayourAceoat is open The armhrht o (Ow fee appears on lithe statement w4mn the lee is bled. The annual fee is not rafhadable wtess you no6y us that you wish to dose yorrAomont within, 30 days of the mailing or dewety ate of to statement or which the lee is ailed Youwill receive this refund even iyou use war Card during that period. Periodic Firimum Charges. We say yodtransadhors Into groups or pudrasesv cash advances, and balance transfers and then kxWer sod the transadiems withfi each group by their Annrd Percentage Rate. Fa inummoe, purchases subjea'10 a pomo6mal mteend p,cl tses subiect b a standard rate would be setwaie groups. We telex to these goups as transaction categories, Attheendof each billing period, wecomputer halan sandPeriodicFinanceChargesforeachdayoffiehalingperiodfareachtrasadanralegay.Weusethe bMwkhgoquaion b ompUe Periodic Finance (charges breach transaction category (Average Daily Balance) I m" (days In Wig period) &ms JD* Periodic Raley. (You may most to the 6arrce charge sltansaryan yourdlmg sglamnl for 0- a fonts.) Than we add up the Pemiodie Finance Gh*Mes for each transaction category to get the wat Pededlc Finance Charges for yourAcmurt. The Average Defy Babnco is sheam as zero ff. because of the grace period, no Periodic Finance Charges apply to the bounce In a Wav 0 Day Balance (irv d new transactions) method of wfoaleti g the lroba;e cporh vAic h we impose Periodic Finance Charges. We caur de the Average 0* "ans lyahdnc?s ton each ierhsacton category byaddi g hp al to daily balances in a bllkg ported fora transaction rategmy and drddirg the total by the number d days itthe bb" period We oaxymae Yin ditty Latnhce for each twrsenton rrlegoryen isadh day by Fiat adding Ina farorrkg to Ys. prevbusdays daffy bauanne: vahsactons win a iransactm Dao of chord day as slew an your bing stalanaht unless the transaction is posted to your Account alter the dace of the ttng period in Much it occurs, in which case the tonzacron will beadded to the daily balance m d the red day or the Ming period in ankh it is posted to your Account, fees damped that day and Periodic France Charges accrued on the previous day's day ballnce; and by tern subtracting any ceft and paymems 04 are applied agakrA Vus balance of the traosa[tom cA-4my on that day. M calculating the daty Ihalarce for the first day to bing period, we consider the 'previaus days daily balmae'to have bear your balance fame each kensectm celegary on to Iasi day of your previous biting period. M lees charged to yourAcowd am added to the standard ptadhum Iasact m category with the excepvon of Cash Advance Nonsacion Fee Finance Cfmvgeswkkhare added to a{plirabfe cash advance ramaamos category and Balance Twister TormaAm Fee Fimnarim Charges which are added to the ap Yicable balance barter hansac8on cateyay vy8ent tkga the special rata expires, we move the unpaid balance of d* balance transfer and the Balance Transfer Toraction Foe Fnence Charges to the standard prduse bamactim ray however, I to special rate has been lamdmced under On Dafadt Rate section, we team the unpaid balance of the balance transfer and the Balance Transfer Ttaosad ian Fee firhere Cksges a to applicable balance iask r transactioncale" udd the special rate wand have coed. For TDD (Telecommu ticatiom Device far the OeaQ assisgncs, please cell 1.800.3{7.7{49. Of to Dtuove may amid ardfa record wsplhome cats between yak and Discover reprasenw- for quafay assurance lxxposes. The Disoorcie card is Issued by Discover Yank, Member FDIC. onlIK181 i - Closing Date. LEEANN BROWN DISCOVER L t_ t?? Account number ending in t 856 page 2 of 2 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: February 17 Balance Previous Cashback Bonus Award Balance $ 6.13 Purc iase Award This Period Cas ack Bonus Award Tots 6.93 Cashback Bonus Award Balance 6.93 Award Available to Redeem $ 6.93 9322205 Restrictions apply to fhe Cashback Bonus Partner offers visit Discover.com or call 1-800-DISCOVER (1-804347-2683) for details. For program details, see the Cashback Bonus Program Terms and Conditions. r DISCOVER New Balance Minimum Payment Due Account Number ending in 1856 $2,140.28 1146A0 __ Enter Amount Enclosed Below Payment Due Date $ September 12, 2009 Please make check payable to Discover Card or pay online 8 Discovercard.com.. 17 SOSNGA010004321 LEEANN BROWN Access and manage your account at wvrw.Discover.com or visit m.discover.com 1234 BELT CREEK BLVD on your mobile phone. C A ICSB R PA 17050-1859 PO BOX 71084 III,arIIMMIII11111I1II CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Print change in space ]All 11111111111)1114111(1(iiI.i}n)iL.11 above, or go to Discover.com. Print your email address to receive important Account information and special offers. 000001986458515494090021402802000000008600 Discover More Card Account Summary Closing Date; August 17, 2009 page 1 of 2 Account number ending in 1856 Previous Balance $4,012.33 Payment Due Date September i2, 2009 Payments And Credits 2,000.00 Minimum Poyment Due $86.00 Purchases + 39.00 Credit limit $8,300.00 Cash Advances + 0.00 Credit Available $6,159-00 Balance Transfers + 0.00 Cash Credit Limit 54,200.00 Finance :harps + 88.95 Cash Credit Available $4,200.00 __ New Balance >_ $2,140.28 You may be able to avutd Periodic Finance Charges, see the reverse side for details. Cashback BOnose Opening Cashback Bonus Balance $ 6.93 New Cashback Bonus This Period ± 0,00 Cashback Bonus Balance $ 6.93 Coshbock BonusO Anniversary Month: February How Can We Help You? I VIA Discover.com to pay your bill for na cost, view r latest Account information, earn and redeem rewards aound more It's your choice - 3 ways to help 2. Coll 1-800-DISCOVER (347-2683) for fast, easy sellservice 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 309A3, Sall Lake City, UT 84130 Transactions $0 fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dote Date Payments and Credits Aug 17 Aug 17 PAYMENT THANK YOU $ -2,000.00 other/MisceBanoaus Aug 13 Aug 13 LATE FEE 39.00 Information For You This month, the featured Cashback Bomts(R) Redemption Partner is Bed Bath & Beyond(R). Redeem $20 Cashback Bonus for a $25 Bed Bath & Beyond gift card. 3 U5 manse Charge Summary Nom inal Transaction Averogo Daily ANNUAL ANNUAL Periadic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE 8rdance3 Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $3991.38 0.07189% 26.24% V 26.24% $88.95 $0 Cash Advances $0 0:08216% 29.99% V 29.99% $0 $D The rafes that apply to your Account are either fixed IF) or they may vary M as noted above. Need Cash? Whether R's for an unexpected bill, an emergency car repair or your kids' school activities, Discover(R) Card can always help. Get cash at ATMs natiomvide or have money depashed directly into your bank account. Visit Discover.com/cash to find out more. Important Inlorrnallon. H fhwe is more than one page b this lag statememb see tee back of each page W ad&iwd imporfxd W m WL U) See your Cxdawnbw APaement Yam Cmkaw bwAgretlesd own im at the less dywrAcmunt z Lost or staters cards. Report wmedweiyl Cal 1-880447-2611 a 0 BBTng Rights Sum saryc M Case of Fj a sou Quesams AbpdYatr FA- k you IAirnn your ta7 is wrong, or 9 you need more irdometiom about a nansaclion on yore bit, wite b us on a separate sheet d papaal0isa w, PO Box 30121, Sal lake City. UT 841300121, es soon as possible. We mat hew kern you no later than 60 days after era sent you the first bit on o which to etwor problem appeared. You can Ee option sts, butdoinq so w0 not preserve y a r nghk. In your leper give us the frib" nfam lion: + Your now and Aoma nurbec N The dollar amourd d the suspKied eror. Desen' a tie error and ergtan, a you an, why you beirwe here is an eaw, 9you need we mlormalion, desrabe the has you are unsure about. `t You do not have 1a pay arty erne nt In question rule we are investigating, but you are ail obligated to pay The parts of your bill that are not in question. While we imestigaie yar gjesSm , we atom report you as debWem of take any action b pled the amount you quest at. Special Bub Ow Croft Cwd Purchases: t you hot a prddplmwi0h the quaityargoods or services that you purchased vritn a credit card. and you Lave tried in good Wt h to wand M problem sdth The nmdanl you mayM haw b pay be idttal tg arnotai due on the goods or services. You have this protection aly when the purchase, price was more Can $50 MW the purchase was made in your home state orwfdm 100 rates of your visiting address. (I we own or operate 0a rnemban, or l we mated you the advaGsemhadfor the goods or senices, all padhases are covered regerAesoftheamaad ortoalim of purchase-) Payments. Send only your payuerY and Use lop poldi m of tlts stabmeud In 1 he envelope provided. Do not send cash By sending your dock as claw" abom you autebe us to use in1browim on your dark IF mrlw aneledu* fund ksewli r tan your aoccart! at the financial inslikAon Indicated w your dedr or to process the payment as a dodo transadon. I payme a Is pncessed as as ekararic fund Onsfc, Its Willer roll be for the amamlat to cnedr. When we use inknmaim burn your dank to make an eieawk fund transfer, fiends mry he withdrew ham your wto nt as saw as the same day vie receive yam payment, and you will not receive yam dhedl bade from your finenciW ew4lulon. The processing dyer parvent may bedeteyed lye send cosh, correspondence oroOwitems wirh your payrnenf, 9you sad the poymetd to any other address or if you use an envelops other dwt the we povhbd Paymeits rammed in proper sums at our process r g tidily by 5PM lest time on any day will be credited to your Accusal as of lout day Paymerds received at our promalinl faulty, ales 5Pld beat 9=vAbeaedled to yourAaoours as of the nest day. If you have misptacad your envelope, send your payee t to Discover. PO Bar 6103, Cad, Stream, a 601978101 Please Plow 7-10 days for delivery, If your payees is returned unpaid, we reserve the right to rest b Al it as an etecunic deW. You cars pay ycw miwnwh paymeed era greater xnw dove do Wephone, and you an set up aubmatic paymmis. Cal us at 1-600-347-2683. You vrif need this dalernerd and yam fmrdeaccount inbm boaLYoumtaltowntoutsdcaatbidsare avabbtetoyour bankaccotW,andall lmnsard'orstrust comply withU.S.law. Youwilbeasked toprovidethefirst 5 digits of yaw itowut slalemac! 2P code. By entering taseanbers as your etedmnic signature, you orb be agreeing to this aminrvaiim b atom us and your bards b dedert each payment You a ffla a kan your bank acnounk and No Millais debk of creel wMas b yaw bade a0murt, as applicable. b cored an am in the processing of such payment. You must ire us to amount of each payment or you an selects in amardsuch as the Winom Payment Due or the New Balance on each statement You can cancel a payonerd: tnwew.>r we must temw Police at twat lute business days to advaKe of that sdwd lad payment You nary notify us by phone at 1800-347.2683 or by mail at the address Usted in the pours p waWph It your payronres very in amount we vat tell you on each me" sWertert when your payto ntwi be weds and how much it vii be. Your autmwlc payment amount may be km Ow indicated an do nnmhty slalnngd based an redo or payments applied during the billing cycle. Qe& Reporting. We may repad arnfeoration aboutyae woou t to uedt bureaus. Late payments, odwed payments, mother defaula on your accoaA may be refieded in yam aedd retort. We wnm* report the d" and paymed history ofyo rAcmud loaedl reporting agencies each month. If you bedteve that our report's inaccurate a kcantptde, please writo us at the following address Discover. PO Box 15318, yWmkgbn. DE 1985P5316. Please include your name, address, home WA* me number and Acon u t number. Gram Period an Purchases (at but 25 days). We begin to Impose Pwiodre Fnance Charges on 48 transactions from tea Trasaction Date fa the transaction as down on ym biting atalemenk bless a tea sacfwIs posted to yosrfiCCeoal all she toes of the bWM period to whichh Iomws. in Wwc hcase we bogie to Impose Periodic Finance Charges on that kansactwfrayWe7raldayofthebigperiod inWftaisposted toywrAccount, AtecorWnueoktvpmeP'iodicFm we Charges will to dais you pay your w1he New Ma rim, by hnaling papamsorrer ah" credos. Hawerw, tyro paid the New Balance on Weevies W M statement by he Payment Die Date shown on that tilling stalemed and you pay the New Batwce by the Paymerd Due Ow ao yaramret Meg statement wo will not anprse Periodic Fkswoo Charges on new purchases, that is, purchases isl appearkg on the current ts7rg stalernea Yye call this do Vam pedod' Thar Is no grace peod on balance transfers or cash acivences Minf assn Finance Charge. We will charge you a aaeritnsn FINANCE CHARGE of $2 00 for any billing period In Mitch Periodic France Chages of toss than $2X0 would otherwise be knpW Annual Fee. gym Aaanthas an annual fee, awlbe billed M the beginning dealt annW ray yea your Aoaamt Is open. The amount dbe tee appears on the statement vAw tie kekbMSd-The annual tee is notrekid"admyouon*usdWyouwisbtodoseyorAccouniwNnin30days ofticmaftadek+erydate ofthestatement ort ichthefeeIs tiled. youwill na vetistekmda m#youuseyourCerddtidrvgtatperiod Periodic finance Chargu.IMe sod yourhawaYuorns do groups of pumiases, cash advances, and balance transfers and lee k rV er sat to transactions witdn each group by ifiewArahet Permnlage Rate. For example. purchases MA %Ga prornotimal rate and p vc ases subject b a standard rate would be separata groups. We rite to tw.w 9 "IM as alegodes. At the and d each Wang peitA vie ampubs baWnow and Peruke Hoene Chug" to each day of the burg pwiA for each tmnsecfiorh ahlegory. We use the fdlowig egralw In canpulePe o fir Fiance Chergeslm each kanswAn category: (Aveagc Daily BaFarrce) firms (days in berg period) tines (DalyPeriodb Rat). (You may aeler b the fnanoedarge summery am your billing stabmerd for two ammnts.) Then we aid up the Periods Finance Charges for each transaction category to get the total Periodic Feanoe Charges fa ymAccount. TAeAwrage Daly Balance is sloven as zero if, because of Ta grace period, no Pertolic fiance Charges apply to The balmun in a fig ? 11 K* Balance (ncidrg new trasacforf) method of calculating the balance upon which we impose Periodic Finance Charges. 4Ye compute she Average Daily Balance fa emdh karsacUbn category by addagvp al the dallybalarces in a billing pedod for a transaction category and dvi n Tie total by the number o (days in the biting pedod. We eanptrle the daily balance for mdstrarse6on category an each day by first adhfing the fotwmg to do previous days daily balance. transactions with a Tuansaction Date of that day as sloven on your bung dateaurhb adess Me bawdier is posted b yam Account after the dose of the Wing period in Mk h it occurs, it which case to transaction vvi be added to the daily balance as of the fist day of the billing period in which 4 is pasted is your Acow t fees dwgW that day and Pebdc fksnce Charges accrued on the previous day's daffy balance: and by then shbbadng any rndits and payments that xe applied against the balance of pre transaction abgory on tat day. In calculating the daily balance for the frst day of eabaingperiod,wearsiderthe-previwsdaft daily babo a to have been your balance for each transaction category mIlelast dayof yooprevicusMTngperiod. AN lees charged to your Account are added to the standard poldwe transaction cat" with the exception ofCash Advance7iionsediah Fee Finance Charges which are added to The appf?tia.hmh advwm bersacd'on category rod Balance TratsrerTrarsadim Fee Fiance Charges which am added b Tie appdiable balance trasfer Iran sactioah category When she special rate e,pires. we rove the ugstd takanceaf Ste Isdatce transfer and to Balance Transfer Transaction Fee Finance Charges b line standard pure ase ea saciori category. kbwevec tine special rate Ins tsmatenakmted rndxthe 04"Rate section, era leave the unpaid balance of the balance Usaskr and the Balance Transfer Trawdion Fee Finance Clcmges h the appkaW balance tanskrtrarhsactoru Category ar81 the special rate would have expired. For TDO(7deconsnrnkafiormDevice kxIkeDeaBJassistance. pleas"call1.90 NT.7449. stover nsay,moolor andbr reowd ldephone calk batrmwyoo and Diswwr representatives fa quality assutince purposes. The discover` ad is issued by Dover Bank Mermba FDIG 011-131181 Closing Date: LEEANN BROWN DISCOVER Account number ending in 1856 page 2 of 2 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: February 17 Balance Previous Cashback Bonus Award Balance $ 6.93 _ urc ase war is erio It 0.00 Cashback Bonus Award Total 6.93 Cashback Bonus Award Balance 6,93 Award Available to Redeem $ 6.93 9322205 Restrictions apply to the Cashback Bonus Partner offers visit Discover.com or call 1-800-DISCOVER 11-800.3 47-2 6 8 3 1 for details. For program details, see the Cashback Bonus Program Terms and Conditions. -1 DICC ? /f?? New Balance Minimum Paywmst Due Account Number ending in 1856 J Y G $1,356.59 _$55.00 Enter Amount Enclosed Below Payment Due Dote $ F October 12, 2009 Please make check payable to Discover Card or pay online @ Discovarcard.com. 17 SDSNBA01 0004322 LEEANN BROWN Access and manage your account wrwxDiscover.aom or visa m.discove ccom 1234 BENT CREEK BLVD on your mobile phone. MECHANICSBURG PA 17050-1859 PO BOX 71084 1llrr,llrrrrrsills rrlfrL CHARLOTTE NC 28272-1084 Address, e-mail or te6phonechange? Print change in space 131181111111111111rr111111 rrr?liirrr?rr)rr?rr)?rr)rr?ei)r)ir)) above, or go to Discover.com. Print your email address to receive important Account information and special offers. 000001986458515494090013565900000000005500 Discover More Card Account Summary Closing Date: September 17, 2009 page 1 of 2 Account number ending in 1856 Previous Balance $2,140.28 Payment Due Data October 12, 2009 Payments And Credits 1 100.00 Minimum Payment Due $55.00 Purchases + 265.63 Credit Limit $8,300.00 Cash Advances + 0.00 Credit Available $6,943.00 Balance Transfers + 0.00 Cash Credit Limit $4,200.00 Finance C{rer?es + 50.68 Cash Credit Available $4,200.00 __ New Balance c $1,356.59 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cpsh6mk BonuSe Opening CcAback Bonus Balance $ 6-93 New Coshback Bonus This Period ± 0.66 Cashback Flonus Balance $ 7.59 Cashback BonusO Anniversary Month: February How Can We Help You? I Visa Biwa er.com to pay your bill for no cost, view your IolestAccount information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Cal 1-SMDf5COVER (347-2683) for fast, easy sellLservice oprrons or to speak wifh a Customer Service Accost Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impairedl sea reverse side Salt Lake City, UT 84130 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. Trans, Post Dole Date Payments and Credits Sep 8 Sep 8 INTERNET PAYMENT THANK YOU $ 100.00 Sep 16 Sep 16 INTERNET PAYMENT THANK YOU 1,000.00 Merr6andiso f Retaril Aug 24 Aug 24 TM `RAIN- A TRIBUTE TO 215-336-2000 NY 138.00 PHIAB I BC 11-39027 Aug 25 Aug 25 EVENT TICKET INSURANCE RICHMOND VA 14.00 Aug 26 Aug 26 NFLSHOP.COM 877.635-7467 PA 89.68 Aug 27 Aug 27 NFLSHOP.COM 877-635-7467 PA 23.95 t nce Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES _ 4HAR9&4?- CHARGES current billing period: 31 days _ Purchases $2273.99 0.07189% 26.24% V 26.24% $50.68 $0 Cash Advances $0 0.08216% 29.99% V 29.99% $0 $O The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above Innpardatedarmion• UM ire more 111011one page b bibs billing 61310010Fi, ON le beck of each page for additional Important infonnaiaL rn 0 See yourCadnasaibmAgreemam.YoeCardmemberAgreakntmraai oalthelaMefymrArrant. Cn Lost a 401rse cede. Report OVWr5aetyl Call 4400-341-2" 0O Billing RW* Steam" In Case of Enos or Questions Mal Your OR it you link your bit is wrong. or 4 you creed more inbrmaton about a transaction on your dill, write to us on a $ separated" dpapa at Dleceuw, PO Boa 30421, Sall Lake Oty. UT 541301N21, as soon as possible. We mull hear from you no later than 90 days after ire sent you The first bill on A which leemrQproblemappeared. Yaucantelephone us,butdoingsowflhetpreserve ymrights. InyourHer. gweingob limingintamation: , r -Your nanE andAocounl number. N Thedollar a oudof thesusp¢dederror. Describe ie error aderpbah it you c e. why you believe 0" is an ermc 0you need more infamration, describe lie km you are unsure about. ? You do not haw In pay any eenoub In question whle we are krlnsligKirng, but you am ad obligated b pay lie parts of your d7 that are not in gteslim. VA* we irastigale your gheslm. wa canon report you as d brqudaa take any Actionb odect the aimed you Weston. Strode! Rub for Oem Card Pwc%wA a 9you have a prohtan with the quality of goods a services that you purdlaced with a on At card, and you have kited b good laih b correct !e WobwasYA /remadhant youaWnol have to pay be raraebg amamidue on to goods or services. You have Ns pholedun only when The purchase price was more than $50 and farlsudwevm mobs you home side or within 1W Was of yarmating adntess (l we own ordpeaw the mended, or 4 vie mailed you the advatisermrrl for the goods or services, all purchases are covered regardless of The amount or location of pnsdwo.) Paiplarks. Send onlyryour frayn red and the by portion d lift stalaned in the onvabpe provided. Do not send cash Byrsse&g yawcheck as described above. youauthorize us to use infoanalavon yourehade ID make an demonic Ind (ranter tram your account at le f a ncial insbk6m indiceird on your ceck or to process the paymont as a check transaction. I payment is pmcesae 'as an electrode hrd bansW. the, ban I will be lorle amoum of to check. V4m we usei lanwim ban your dtack b make on electroeik knhd transfer, lends soy he widmwn from you amount as soon as We same day we receive your payment, and you will net receive yarrcedc hack from your financial ivsunim. The pnocenngdyour paymenh maybe delayed dyou sand cad% correspondence or other items wfdyour paymen, t you send ore payment b any now address or (you use. an mvdVa der tan bre one prmtded. Payneta reoeived'n pope fmm sl m pmoms V laicRy by 5PtADrab lima un ay daywil be credled b yourAcoaukt as of uw day payments received olar poexssng kcity after SPM 1=1 lime will be credited to yorAccoutd as of It net day l you love misplaced you rmwebpe, sand you payment to Mcom. PO811x6103, Carol $l"K ILfG197-b103 Please apow 1-10 days ford lveiyt If you paymed is rebored unpaid, we reserve la right to resubmit A as an ekNarc debt. You can payym viniismh "nut or a greater mount OM the telephone and you can set up aubrnaic payments, Cal as of 1.1110-347-2663. You A reed his statement and your bank aoroal bhbarWblL You must ensue trot suideni krrd4 we avalade b your bask account, and all transactions acrd comply with U.S. bow You will be ndred in povkkk tie first 5dghmdyar aeown shlama! ZIP code. By entering lose ounim as your eladrode signature, you will be agradni; b Us authorization to aloe us and your bank to deduct each paymadyou aul o" lean your hank account and bkddab debt or credit aides to gar bank acooma, as applicsbb, b corred an error in (he processing of such payment. You must let us the amouddeaeh payment or you can sded an amount such as the Wdm rn Payment Due or the New Balance on each statement. You can cancel a payment however we nest reoaive nice M best three business days In advance of d* scheduled payment You may Polly us by phone at 1 00.347-2613 or try mail at the address ksad in the previous paragraph Vyotrpaphents vary in mount, wo will Id you on each nTOntldllstalared when yokrpayment will be made and how much d will be. Your autanaic payment amount rn" be loss Ow indicated on the monthly statement (rased OR cradift or payments applied ttslkg the Ming cycle. CmM RgaAng. Wb wWreprl idamabn about youraccwM b ardl Wmaps. tale payments, missed payments, or other ddadts on your accent maybe reflected In yoker credit report. Vie normally repahthe stabs and payment ' dyotrAcnaarl to credit reporting agencies each month. If yoube6eve that our report Is inaccurate or Incomplete, please mite us at the loloaiug address: Dsooym PO Bra 15316, W*dr*mr DE 191506316. Please wince your name, address, too elephone number and Account number. Grace Peried ee Puehases (M bast 2S days). We begin w impose Periodic Finance Charges on all transactions ken the Transaction Date br Me transaction as sham at your biq Aatasaq rrstesea trarsac6on is posted b youAaarrl after tle tax d the burg period H which l ocara, n which case tva begin b impose Periods faathce (2harges ea Gut Iasadookmftfmddayof#tbongperiodhw"kisposedbyouAgxxntWeco ftebkcposePerbrteFhmmeChargesmgthedateyoupayyarentireNewBalance, by made pywerba nto"W aedls. Harem. V you pW the NewBab=en ycurprevioa bikg statement try thePaytrerl Oue Dale shown on that biting sWiunerd and you pay to Newanbrhoe byt he Papmnt Due Ode on your current bung sWwmeK we will not Impose Periodic Finance Chageson new pudases, tat Is, purchases fast spearing on the current bi6hg 3umme t We cal ft 9e grace pelad." Yhm is no grace period on balance transfers or cash advanam hYbnsbu Flaahce 6hage. YPe wit charge you a minimum MUCE CHARGE dS2.00 for any bilkfg period in which Periodic Finance Charges of lass tan RAO world otherwise bekmposed. AtaoW Fee- i your Aaaud has an annual lee, 0 wit be bitted at ft beginning death a Oveisary year your Acmrd is open. The amount of the too appecim on We statement when the be is billed. IM arreml be is net idudAle unless you m* es that you wish to dose yaw Account wit in 30 days of the mailing or delkiy date of the statement on which tie fee is hued. You will nedue 6k mead even Yyou use your Card during tut period. Periodic Fham Charges. We sod your Irasacions Into groups of purchases, cash aduences end balance transfers and then brier sort the transactions within each group by bee tons(Pgcmiage Rae- For sample, purchases subpdiff a prmhdional raleard puctmiessuW to a standard rate would be separate groups. We heW to these grails as ease a categaiet At the end of each tiling period, ww eompole bdaaees and Perlodfe Finance Charges (reach day d the Ming period for each transaction category We use the blbrA equator Woo pde Periodic Finance Charges for each transactioa categonyr. (Average Daily Balance) 6htes (days in ding perbd) limes (Dally Periodic Rate). (You nay rater to the ham dhage summary on you MIHr4 slaw em fortese aitburds.) Then we std up the Porbdc Fkmnce Changes for each transadion calmony'to gel the lops Pehbtle France Charges for your AccamL The Average Daly BA;rca Is shown as zero if, because of the grace period, no Periodic Farm Charges apply to the balance In a yea use lhaavraaga traaY Balance podhmhg new transit rtlals) method at calculating Rho balance upon which we knpose Periodic f iram Charges. We compute the Average Daily Bawace for each b7machonamM ry byaddng up at to dalybake-In a Ming period far a bansacbon calegay annd dwi6rg f he total by l a mcnh8r driers in the billing period. We corollate the datybalance lorach transaction calegayan each day by Fast adtfnhg to blawug b be Previous da(fadaily baiwKw trsnsacinrs with aTransaction Date of that day as slave myourbing slaleaed- unless Ibe transaction is pooled byour Aceou t after thedose dthe bib rg period in which t ocaxs, in %ti ll case the hransawon will be added b to drip bAaneas die 1st doydtb biig period hwhieb l is pOSLd b ylnurAoooun ,-fees longed taliday ad Periodic France Charges accrued ontee previous day's daily balances and bytha aAaacing any credits and papnenas I tel are applied against to balance of the transaction category on that day In calaMag the daily balance for the first Any of the Ding pnbd va Oasilex the'pretian dads daily balance b have been your balance breach transaction cabgoryon Due test day of your previous biting pemad. At bas clanged b yeurAcco stare added b l ha standard purchase transaction c*gay with be exception orfash Advance Transaction Foe Finance Charges which are added to the applicable ca* awaioebasacbncalegay and lala ire Transfer 7rasactbn Fee Finance Charges which am added b to applicable balance transfer basaclim category. When the spas role ey*m we arm the unpaid balance of the betarlce inonsfa and the Balance Transfer Trarsacim Fee Finance Charges to the standa d purchase transaction category. dlmxvey Ifte special raw has been knot sled under to Deteul Rate section, we Lave the unpaid Tatar" of the balance transfer and the. Balar" Trans* Ttansecuon Fee France Charges in tnappicable, balance trasfor tansactm cabM anti to speoW rare woudd laveexpked. For TDD(telecehsieahriralions Device for the Deal) asaMeace. please call 14M47-7449. Obo wumayrrrariaatdbrreenrdkbphomcobheWMyouandDiscoverrepresentativesfarquairyassurance pugmm The DiscaCr" card Is issued by Oiscover Bak, Member RrC. 01TBK10 t DISCOVER L Closing Date: ; Amount nber een&W in 1855 2009 page 2 of 2 Cashback Bonus 8 Award Summary Cashback Bonus Anniversary Date; F=ebruary 17 Balance Previous Cashback Bonus Award Balance $ 6.93 Purchase war is erio Cash6ack Bonus Award Total 7.59 Cashback Bonus Award Balance 7.59 Award Available to Redeem 7.59 9322205 Restrictions apply to the Cashback Bonus Partner offers visit Discowr.cam or call 1.800-DISCOVER (1-800-347-2583) for details. For program details, see the CashbacBonus Grogram Terms and Conditions. DISCOVER New Balance I Minimum Payment Due Account Number ending in 1856 $1,369.13 $45,00 Enter Amount Enclosed Below Payment Due Dote $ I November 12, 2009 Please make check payable to Discover Card or pay online Q Discovercard.com. 17 SDSNSA010004323 LEEANN BROWN vrAccess and manage your acoommt at ww.Di5mver.corn ar =sit m.discover.com 1234 BENT CREEK BLVD on your mobile phone MECHANICSBURG PA 17050-1859 PO BOX 71084 Illrmm1is rnrs11is 111sit l) CHARLOTTE NC 28272--1084 Address, e-mail or telephone change4Prirtchange in space Imnlmllnalmmmla?lmmilmilrlearl!lliai?mal?nlmmllimlmmlmmlmlmmll above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 00000198645851549409003,36913110000000004500 Discover More Card Account Summary Closing Date: October 17, 2009 page I of 2 Account number ending in 1856 Previous Balance $1,356.59 Payment Due Date November 12, 2009 Payments And Credits 55.00 Minimum Payment Due $45.00 Purchases + 37.97 Credit Limit $8,300.00 Cash Advances + 0.00 Credit Available $6,930.00 Balance Transfers + 0.00 Cash CSI Limit $A,200.00 Finance Charges + 29.57 Cash Credit Available $4.200.00 New Balance - $1,369.13 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Coshback Bonus Balance $ 7.59 New Cashback Bonus This Period + 0.09 Cashback Bonus Balance $ 7.68 Cash6a& BonusS Anniversary Month: February How Can We Help You? 1 Visit Disca rer.com to pay your 6m11 for no cost, vi d ew your t f ti d d d l t A t i It's your choice - 3 ways to help a es orma on, earn an re eem more rewar s an ccoun n 2. Coll 1-800-DISCOVER 1347.26831 for fast, easy self-service options or to speak with a Customer Service Account Monger Please have your Discover Card available. 3, Write us at Discover Card, PO Box 30943, For TDD lossislance kw hearing impaired! see reverse side Sob Lake City, UT 84130 Transactions $0 Fraud Liability Guaranlee Use your Discover Card with confidence. Trans. Post Date Date Paryrnerds and Credits Oct 5 Od 5 INTERNE T PAYMENT THANK YOU $ -55.00 Supermarkets Sep 29 Sep 29 GIANT FOOD #035 HARRISBURG PA 37.97 010042 Information For You Enroll in Paperless Statements for your chance to win big. Go paperless and you can win up io $15,000 cash! Learn more cd Discover.com/sweepstakes. rnance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Uances Rates __,_ RATES ? RATES - CHARGES CHARGES- current billing period: 30 days Purchases $1371.09 0.07189% 26.24% V 26.24% $29.57 $0 Cash Advances $0 0.08216% 29.99% V 29.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary NI as noted above. inpwtant Womtaion. If them is more Awn one page to this bMfrhg statement. see the had d each page for additional Important inicemabon. See your Cardmember Agreearerd. Yoe Cardie mberAgreedrent contains all the tams of your Amount. Lost or dean raids Report irwradiakV. Carl 1400-347-2M 81111Iag flights Summary. In Case of Ems or OheslbnsAbadYour Bilk If you think your bat fe wrong, or if you need time information about a transaction on you bit, write to us on a separate sheet of paper at ffmover, PO Box 30421. Sag Lake Qty. UT 84130-0421, as s xxr as posslW We must bear from you no later than 60 days aHer we sent you to first bit on Mich the error or problem appeared. You can Idephorle us, but doing so wlt not preserve you rights. n Yap slfev. givers T? star rg Ndamiation: Your nameandAo=A mnhber. The dolaramount d the suspected error. • Describe Ae eror and explain. H you can, why you believe Uwe Is an error. Hyou need more Informahnn. desoibe the Hem you are Wmen abo 1. You do not have b pryauy anhaud in gereslian wNe weare iavesligaling, but you ara set ohligaled ri pry the pads d yo r bill lard are not in question. White we investigate your quesaan we carnolrepon you as delrquenla We age adbn to edladthe WMA you Western. Special Rude forCredl Card purchases: K you have a pmble s Witt the quality of goods or services that you puchasad vlAu a cnela cad, and you have hied in good faith to correct the proem watt lee iserrirad you may notaave b pay tle teataiin9 emote t due fir the goads or servitas. You love this prdecUon oniy when tee purdmase prior vrasmtore than W and thepnnRhasermserodeinyour home state orwi io100mksoyournralingaddress.(twec"aapendsthemaduant,aHymcoaledyoutheadvertiserneniforteegoodsor serviom al puchism are rovaed retarders d theamanterlocation d Purchase.) Paylnntants. Send ady yapt>aymerd and the trip portion of tistdatementin the envelope provided. Do not send ash. By sending your check as described shore, you auft a us to use inlormatar on yturtdw* to make an elect odic fund bander from your award el he financial nnsftubm indicated on your ew A ant process the payment as a dock transaction. I paYmern is processed as an eleWoric tad "War, Ike transfer will bear the amount of the check. When we use 4dama(an from you dhah to male an electraricfud transfer. kinds may, be sididrerm firm yar aimed as soon as the semis day we neccfm your payment: and you will not receive your dhecd bade ham your firenciaai insStrEon. The pocee ri got yea psynierd may be delayed glen send ash, correspondence oradrer hams with your payaua t, Hyou send One payment to any dha address or H you use an envelope other Awn the onepmvfded. Paymesb received in paper form at our processing facility br 5PM local time an airy day will be cradled to yourAmotrd as dtiat day Payments received ate rip processig lari tyaeer SPM feral time hail be Uedted bynurAaoad as d doe nand day. ?you have misplaced your eniielo , sad your pay erd b Discover, PO Box 6103, Card, Steam, IL 60197-6103. Please allow 7-i0days for deMpit If yotrpaynierd is rearmed unpaid, we tesene the riglhl le resubmit it as an dectroriedea Yon can paY you snihraanfUrDerl ore greater amaiM aver gee telephone, and you can set up atdomaicpeyrnenls. Callus at t-804347.2683. You will need this staknhai and you bank accvart idambagon You must ensure Thal so floc fads are a iatabla it your barkamoud, and all bansKiloms most can* with U S. law. You wit be asked topn volde the Itsl 5digitsdycuaccount staternent ZPcode. Byentering thmsenumbers asyrurelectronicsignature. youwill beagreeing bthis mrhork? nbaWwus obityour banktoded-Aeach paynad yon euYeontae las yas beds auourA, and to ngaleabbil or credit entries to yarbrdd amount, as applicable. to cared an amen in iho Processing of sudtpayment- You Wrist left m the award Of each Parmas of you can select an srmaad such as to Wittier Payment Due or the New Batarce on each statemar. You can cannot a papered_ however we must receve notice at feast three business days in advance ofthe, sdwkkd parmenl. You may no* us by phone at 14IW347-2683 or by twat al the address Wed in he previous paragraph. K your payments vary namasd, wo wt. hall you on each madhydatarnend wham your payment will be shade and hav much A wish be. Your aulm alic payment amount may be pass hen irdtahed on the rrraitdy statement based on credits or payments appred during he hiring cycle. Credit Reporting, WB may report information about yaraawd to credit bureaus. Late paynads, missed paymerts, or other defadFs on your aruput may be reflected in your tredf report. We norm* neporl the stal rs and payment history of youAUant to credit reporbrg agencies each mantlh. 9you believe that fir report is Inaccurate or incomplete, please sake us at tie lolovingaddrrsss: Discover. PO Bor 15318. Winngtan. DE 19050-53/8. Please include yourname. address. have telephhone number and Account rumber. Crate Period on Purchases (at least 25 days). We begin to Impose Periodic Finance Charges on al Interactions from the Transaction Bale for the tansachab as shorn at your bftV slalarneK tadass a transaction is pasted to ywAccount after to clad of the tailing per od in which H am=. in which ace we begs to impose Periodic Finance Changes on that urawdon from Ae bl day of he billing period in which it is posted to your Amohhrl. We continua to impose Periodic Finance Charges aid the dale you pay your ergre New Bafancce, by and ft payneftor reoeamg credits. However. A you paid the New Balance on year pmvkm billing statement by the Payment Due Dale sham an dal Wait statement and you pay to Naas Bob" by the Payment Due tale an your aprentbWrhg slatem nil, we will no impose Periodic Furounce, Charges on now purchases, foal is, purchases fimt appearing on he anent big smpanent. ft cal this Wgrace, perod:' Them Is no grace period on balance tensions or ash advances. Miniom Finance Charge. We will dafge, you a minimum FINANCE CHARGE of $1.00 for any hilig period in which Periods: Finance Changes of less than $2.00 world otherwise be imposed. Annual Fea, Iyour Mtou t has art actual fee, H will be billed at to beginning of each anniversary year your Accohn t is open- The amount d the fee appears an he statement when tie fee is bled The amud fee is not rerfundabie unless you notify as Out you wish to dose your Amount within 30 days of the main or delivery date of the statement an which the fee is lilted You wt. referre tits round even H you use your Cad during that period. Pmb& Parana Charges. We sat your ransacfions fhb gaps of pachases, ash advances, and balance iansfas and then further sal to taosacd ns watin each group by thalk Annual Percentage Refs. For exampte ppdrases alkledto a promb6dhal M and purchases s boct to a standard cafe w*mW be separate goups. We rotor to tam groups as la rsaaim alegodes Al be enddeach bibg period, Mm compute botances and Periodic Finance Charges for eadh day of the billing period for each ransacion raho"- We use The tdkmffl mods in compute periodic Fiance Charges for each transaction categ0ry. (Mange Daily Bale-) tares (days in bill" period) times (Ditty Periodic Rate). (You may rest to the, finance charge summary on your bung statement for Hhese amotsda.) Then we add up the PaiodicFire= Chagas for each tra rsacim alegoryr to get 8a kYW Periodic Finance Charges for your Amount The Average Oaiy Balance Is shown as zero H, because of the grace pednd, no Periodic Finance Charges apply to the balance In a Vk useuse11his Average oD* Balance (Inch g new Iransacmnal method of calculating ft balance uponwhidt we fryoss periodic Finance Changes. We camp la doAhetage Daily Batarce for each transaction ategory byaddngtip all Ike daffy balances in a hitting period era transaction category and dividing the Idal by the number of days in ft bilfvg pedal. Wit comer a the daily balance lot each transaction asgay m each day by first adding he following to the prevla,s daysdaty balance: rmsecbons with a Tiansapan Dale of that day asshbrsn onyo rbTag alxseonehll, hnfess he ransaden is posted to WAccounl ate the class of the Wig period in which it occurs, in which case detans ectlon vrAt be added to thin daily triteness as dAhe first day d AB biting period n is idh his posted to your Amou t, fees changed teal day and fWridiG France Charges accrued on Ae pmvio us days dairy butane and by gem stbl adas any rxeft and payments Ware applied againsitve balance alto tramsarrau category on hat day. In cslacatng the daily balance for the first day of he baling period. we consider te'prtrius days daffy batannx' to hwe heart your balance I or each ransxttan category on the lost day of you previous doing period. Al tees charged loyarrAcmmh me added to the standard padase ransadbn category with the exap6mn of Cash-Advance Trensacta Fee Finance Cha gm which are added to the applicable cash adnarEtransaction ategay said Balance Transfer Tiansechm Fee Finance Charges which are added brine applicable balance transfer transaction category. When the special sale aspires, wb move the unpaid balance of tie balance transfer and the Balance Transfer Trarmclion Fee Finanoe Charges b the standard purchase transaction category. I lowmra, t he special onto has been asa irated ands the Default Rate sec5an, we leave are unpaid hasnre of the balance transfer and the Balance Trans* Transaction Fee Finance Changes in ha W *ft balance transfer tansadion categayr udt the special rate world fare expired. For TDO (Tdewmmwdwlianw Device fur the "assistance, plu" CAI 1-11110,117-7449. Discerner may mondmrandla record telaphom calls between you and Discover representatives for quality assurance purposes. The Discovers cad is hssnad by Discover Bank. Member FDIC- O1TBK181 DISCOVER I dosing Date: LEEANN BROWN ?o Account number ending in 1856 page 2 of 2 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: February 17 Balance Previous Cashback Bonus Award Balance $ 7.59 Purchase war is Period + 0.09 Cashback Bonus Award Total 7.68 Cashback Bonus Award Balance 7,66 Award Available to Redeem :$ 7.68 9322205 =M= he Cashback Bonus Per offer, visit Discavrr.cam or call 1-800-DISCOVER (1.800.347-2683) for details, see the Cashbo Bonus Progrom Terms and Conditions. DISCOVER New Bolonca Minimum Payment Due 1 $1,408.47 . $46.00 Payment Due Date December 12,2W9 Account Number ending in 1856 Enter Amount Enclosed Below sr Please make check payable to Discover Card or pay online 0 Discovercard-com.. 17 SDSN6A0/ 0004324 LEEANN BROWN Access and manage your accourit at vnvw.Discaveccom or visit m-dtswveccom 1234 BENT CREEK BLVD on your mobile phone. MECHANICSBURG PA 17058-1859 PO BOX 71084 lllsill lrirr,rlllrarlirldI CHARLOTTE NC 28272-1084 Address, a-moilor telephone ehangeli Print change in spaee above, or go to Discover.com. Print your e-mail address to irrltllnlralrlit rlndi I it I 111xndn I u I rrI 'nbrl ulrlit I I receive important Account information and special offers. 000001986458515494090014084700000000004600 Discover More Card Account Summary Closing Date: November 17, 2009 page 1 of2 Account number ending in 1856 Previous Balance $1,369.13 Payment Due Date December 12, 2009 Payments And Credits 95.00 Minimum Payment Due $46.00 Purchases + 103A0 Credit Limit $8,300.00 Cash Advances + 0.00 Credit Available $6,891.00 Balance Transfers + 0.00 Cash Credit limit $4,200.00 Finance dram s + 30.94 Cosh Credit Available $4,200.00 New Balance = $1,408.47 You maybe able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonttse Cashback BomrsS Anniversary Month: February Opening Cashback Bonus Balance $ 7.68 New Cashback Bonus This Period + _ 0.24 Cashback Bonus Balance $ 7.92 How Can We Help YOU? I Visit Discover.com to pay your bill for no cost, view your l t t A f d It's your choke - 3 ways to help a es ccount in ormation, earn an redeem rewards and more 2. Call 1.800-DISCOVER f347-2683) for fast. easy self-service Please have your Discover Card available. or to speak with a Customer Service Account Manager Z 3. Write us at Discover Card, PO Box 30943, ito For TOO (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 Dare Data Payments and Credits Oct 30 Oct 30 INTERNET PAYMENT THANK YOU $ -45.00 Nov 13 Nov 13 INTERNET PAYMENT THANK YOU -50.00 Mrmbondise/Retail Nov 3 Nov 3 WAL-MART 5C #1886 MECHANICSBURGPA 63.42 Services Nov I i Nov I 1 SFt*PHOTOSBYSHUTTERFLY 800-986-1065 CA 39.98 VFLUH0000000PTSF Information For You Budd extra Cashback Bonus by using your Discover(R) card to pay your monthly household bills like cable, cell phone, and insurance. It's easy to set up, just contact your provider You'll earn rewards with every billl f once Charge Summary Nominal Average Daily ANNUAL ANNUAL Daily Pertodic PERCENTAGE PERCENTAGE Balances Rates RATES _ RATES _ current billing period: 31 days Purchases $1388.04 0.07189% 26.24% V 26.24% Cash Advances $0 0.08216% 29.99% V 29.99% The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Transaction Periodic Fee FINANCE FINANCE CHARGES CHAWES $30.94 $0 $o $0 Great holiday savings we just a click awayl Earn 5% to 20% Cashbock Boms(R) every day at over 150 lop retailers like Sears, 8@413uy cam, and t,onds' End through our exclusive online shopping moll, ShopDiscover(SM). Just visit DlscoYer.com/shop lodayl kpnrladb*m=C n.Hthesebmore tlhan are pagebIbis bltg sfatanerhl see tobackaleach page laadditonalImpkxtars nkumalon. co See your Cwdmmrhba Agreement Yacr (^andxhemherA gawhh)d out" &1 1111* (errs dyourPccount a z teal or stolen cards. Report imr l Call I-M347,1613, n 0 Billing Ryht Summary. M Case d Ems or QaesicrlsAbadYar Bit t you Ihide Wbill Is wrong, of dYol need more i iurn- lion about a bansochon on yaw bill, write to us on a o separate sheet cipaper at Obcower PO Box 36421, Sal late try[ UT 841304421, as seen as possible, Nte mrut hear from you no later than 60 days alter we sent you the first bit on o0 Yescantefepttorheusbdteih0wwlnotgesaveymrrightstoilea1etle.gibeusthefotnwignkntotan: N You name and Acmes nurolm The dolor amount a( the suspected enmr. Describe to error and "plate it you can. why you believe Ihwa Is an exec M you tread more irdarmalon, describe the ilem you are unsure aboud. You do not have In pay any amount inqueslon vdde m are irrrdt19311n4 bull You are ad obligated to pay lie pads of yourW dial are not ie question. N+hie we Investigate y!wr Weston. we rand sport you asdhdinquert or lobe any notion to collect the an ountIm question. Special Rub fur petit Card Pad uses: Iyou laws apablem WM the Wally of goods or swim that you purchased vdlh a credit card, and you have lded itgood fall to cared theprobbmwith themerdraM,yonPlay nethave bpayth sarminngamount dueonbngoods ertervioes.Youhaw!Ibisprotection alywhen irepurchasepdoewasmoreThan$.So andthepun(tasevssmade inyawMmeslideavelua100mbsdyarma&ngaddiass (ifwaownaoperotefbmeidhau4adwemailedyoutmedwe uTmwdrorIregoodscr services, at purdwaes are ooreral> d Iho araamA aWceion dPad>ase-1 Pay meals. Send only your petvnnaand be by portion d fie sbbmmnd N tiro envelope provided Do not send rash. By smxrvg your edible as described above, you audwrim us to use submaamh an yaw dw& bniala an alatimalc fiord frarabr ham yaw ac nunl N the enancial instiYNon indicated on your check or to process Me paynred asa dvack transaction, lpaymekak processed as an deamaic kid eans(er, the "nslarwdf be for the amamrdthe check. Whah we use tn(onalbon horn yarchoo to make an dectnnic mad transfer, rmuls maybe withdrawn from yew amour as woo as the aaaeaday we receive your peymed, and you wit not receive your check back from your financial insmea n. Be proonsirya(yo r paymmtmaybe delayed lyou sad cask awlspmMence or elor lams with yourpaymenl, l(you send the payment to any olheraddress or d you use an e vebpe ofa ihas tloate provided. PaytneMs received inpaper kxm aim pacwsatg lac8y by5PM local tone on any daywil be credited to yore Arco s l as ditral day. Payrrenls received stew p ooesskg bdMyater SPU local lire wl be IN to yourAmard as of the neat day. If you have eitplaeed W ervvdepe, sand your payment to Discover, PO Boa 6103, Card, Steam, b 601971+103. Please atbw7-10 days lardeiviij If your paynral is reb med unpaid we rese, a O)e r gM b resubrM it as sn ebmoiric deW. You can payyvur ni kmaw paysmaMor a gzatvamardaer the kkpham, nod you can set up automatic payments. Cal us at 1-8011-347-2683. You will need fills slalempd am your bait aaan irdoma ion. You rust easrre dot sefmils dine av iluble in your bag amount. and al transactions must conpywith U.S. law. You ail be asked to provide the km1 5 digAselyou accent slaw me AZIP rode. By m itaft Chace members as yardectrade sipmhre, you ail be agreeing to Ilk authorization ke alowus and yarbrk b deduct each payment you ahtorke from yo rbank acommil. and to Milion d sM1 or creme entries to your bank account. as appkaW- to correct anew In the processing of such payment. You must leg us bs mnoral deacb pnpreat of ymm sdaianamo rt arch as the kkinvan Pay net Due or hhe New Batmhce an each statement. You can cancel a payment however we mustiereive nice at bast free hairnrssdays in advance of the sdhadlledpsynneaL You may notify us by plow at 1-800947-2663 or by mall at the address Iblet in fire previous paragsapk Uyour pavements varyitamrd, we will id you on Suet monthly sla eared when yourpape d will be made and tax much l wl be. Your arlaralk payment amcurd may be less than Indicated at the rnaitip sbatenhed basedro cremes or payments applied drip be billing cycle Credit Rapor/n4 ft navy report inbuma tat about your amount to aedi hreas- Late payments. missed paymenh, or othet defaults on you account may be rellcted In yaw credt repM. Via namely mpod the slaws and payment hataydye rAxantb credit reporting,gardes each month. If you believe that ore repel is inaccurate at Incomplete, please white us a1 tkefalov ling address Discever. PO Box 15316, Mrrm @.OF 198SM11. Please kriak your narne, address, Iwrns Wepham number andAccamt number, Grace Period on Purchases (at Isesl25 days). We begin to Impose Periodic From 0miges on all trousa ,u from the Trartwelk n Date for the bansadba as strain on your bikng shAemoK unless; a transaction Is posted byourAuarM aler the dose of ire big period In which it omn, in which case we begin b hnpose Periodic France Charges on that tra eutciar lima ion fest day dtoblig period in which its poled to yyoowurAcoxx t We canine to Mlpose Pak&Fnance Charges tad the date you pay you eklke New Balance. bytlakitpp"rumserreraivitg, All HoweverlyoupkdNorNor8oksmosnyourpeaviousbitingshalementhyIhaPayment DueData slwxnonthat biiisgsfalemeniandyetpay the NewtBa' hythePayment DueORtonyawnaerthiigslawned,weAnotimpose PeriodcFinanceChargesonrawpurchases,lentIs,Masses frslappearingonyou wwerd Witg sbfe vart ft call Ills l o'grace period." Tbaa b no grace period no balance hasfers or cash advxxez Minkn m Finance Charge. We ell donge you a minimum FINAHI3: CHARGE of $220 for say billing period ift which Periodic Flex" Charges of less than "would ahewAx be knposed. Annual Fee. tyourAoraut has anacaaml lee. it will be billed at the beghwAV deadn aradvemary year yourAocomd is open. The amount of the lee appears on Iheshkmere when the lee a Me& It* aural lore is net reirdahM unless ytntto*km to you wMt to dose yourAccamt wft 30 days of the mailing or delivery date of the statement on vdddd ft lee is Med. Youwl moaive this bloc amt dycuuse your Land dukrg that pericd. Periodic Finance Charges. Vie and your kaasarliensInagroups of purchases, dash advance& and balance transfers and then i"ver sat the transactions within each yap by dwAaaat Pcrcetage like For e4moplC purdases sub{eX'laaponolasl rateaud purchases subp d to a standard role would be separate groups. We relerb Meese yaps as earsac Don categories, M the enddeadv Wing period, we omepule Wllances and Periodic Finance Charges for each dayd the billing period nor each transaction category. We use lie lalhavig egrvafanh bmrpds PeririC Rracra Charges (a mdt tarhsaniar salegay: (Average Oaiy Bala ca)fimes (days to bigpenod) tines peiy Pedodc Rath). (Yoh may nder to the imarce daege s wmmwyon yocrbig Rebound brthm arruss ts.) Then we add up to Periodic Fu ns- Changes for each bansawon category to get the total Pekdic Fxnaaoe Charges; fa yearAom,rd. TleAwarmge Daly Balance is able" as 7" 1. because of the grata period, no Periods finance Charges apply he the balance in a 0alanc?eheadr scare( 9newmatsaciongrrvetdodotdalaitriingthebabnceuponwlidtvrelmposePeriodicFirm"Chw"s.We computetheAHarageDaft' categapbyaddag opal its dalybela ices M a bing perod lira trarhsacl on category end &Mng the trial by flee number of days in the billing pedod lure mmphBaM da/y balasce (ar each eanlsacoontategarydn eadi day ht IFsI addtrg ths(ctow"rg b liop(avious day's duly balance: vaasadons with a Transaction Date of that d ry as sl+oww onymr Bing tdateceerd udess dhetrasactat8isywsbdb yaurMrnud olio t e dose of the bilmg period in which d occum in which case the bartsacion will be added b Ire rlaty balfnce sad the Fist day dthe bi<sg pelod'nhtlidti b posted b yourAaohoR feoa charged @naldayarid Periodic Finance Charges accrued on bye pnevfats day's daily balaice; and M7lnea shbbacicng aryl ae?s and paysmelstnet are appiNagaksl hue bafaaoe d btu Uansaz!'orh rategoryon that day. In calculating die daily balance for the inst day of Ion bii9 Pew, we dims derthe prevlous da$s Maly baFahaO? b have been your balance toreacit Imrtsaclon dXltegay on to last day of your previous Wing period. Ad bas clanged to yourAlxxacnt ore added to Me slaulardpsdwse Uansaction cmegorylydh the exception of Cash Advance Transaction Fee Finance Charges which are added to bite applicable cash advance imesacim ckegayand Balance Tonsier Transaction Fee Trace Charges wfii k are added to fie applicable balance hansler transaction category 1g4nen the spedaf rat epirm vme move the unpaid babdce of loo halanoa transfer and the Balance Tousfer Traneecien Fee Finance Charges to 1ne standard purchase transaction category. llawever, if tw specM nab has been laminated under the Debut Rate section, we leave On ballad balance or to balance transfer and tie BalanceTransier Tmrnsdxn fee Finance Cfwges P So appkabb balance hasler Innuacriat cabgmy MM the Weds? rate would have expired. for TOO (Tellecomm nl salons Device tar that Daary anshdana, please call 141430.7449. Discover mayaanlor arch record Idepha ve wllabdwamyan and DiacOaef raprewrNaiwe6 for quaky assurance purposes, Tite Oistoveedcad its issued by Dim Bank. NiewA er FDIC. OMKI81 DISCOVER ! Closing Date' fEEANN BROWN I-?levember47 2 Account number ending in 1856 page 2 of 2 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: February 17 Balance Previous Cashback Bonus Award Balance $ 7,68 -- Purchase war is efi -Period -+ - 0.24 Cas ac Bonus Award Total 7 92 Cashback Bonus Award Balance 7.92 Award Available to Redeem $ 7 92 9322205 gesfridk ns apply to the Cashback Bonus Partner offers visit Discover cam or call 1-SM-DISCOVER (1-800.3A7-2683) for details- For program details, see the Cashbock Bonus Program Terms and Conditions. D15C \JD New Balance Minimum Payment Due 1 Account Number end'er8 in 1856 1 • GE $1,57 ale Minim J Enter Amount Encbsed Below Payment Due Date January 12, 2010 Please make check payable to Discover Card or pay online 0 Discovercard.com. 17 SDSNW1 0004325 LEEANN BROWN Access and manage your account wvrw.Dlscover.com or visit m.riFsoove r.com 1234 BENT CREEK BLVD on your mobile phone. URE; PA 11U50-1059 PO BOX 71084 111111 If. loll I 111 11 CHARLOTTE NC 28272-1084 Address, o.-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. 000001986458515494090015796900000000006400 Discover More Card Account Summary Closing Date: December 17, 2009 page 1 of 2 Account number ending in 1856 Previous Balance $1,408.47 Payment Due Date January 12, 2010 Payments And Credits 50.00 Minimum Payment Due $64.00 Purchases + 184.32 Credit Limit $8,300.00 Cash Advances A. 0.00 Credo Available $6,720.00 Balance Transfers + 0.00 Cash Credit Limit $4,200.00 finarue Charges + 36.90 Cash Credit Available $4,200.00 _ Now Balance = $1,579.69 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonue Opening Cashback Bonus Balance $ 7 92 Now Cashback Bonus This Period ± 0.36 Cashback Bonus Balance $ 8.28 Cashbook BanusS Anniversary Month: February Haw Can We Help You? I Visit Discover.com to pay your bill for no cost, view your d d d d l t t A t i f ti It's your choice - 3 wears to help es ccoun orma on, earn an re eem rewar more a n s an 2. Call I-11MDISCOVER (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 Data Payments and Credits Dec 15 Dec 15 INTERNET PAYMENT THANK YOU $ S0.00 Marchandlise/itstal Nov 17 Nov 18 TARGET MECHANICSBURGPA 5146 Dec 11 Dec i l SHOPPERDISCOUNT.COM 800-889-8776 CT 12.00 Dec 12 Doc 12 MARSHAILS #834 MECHANICSBURGPA 63.96 Other/Miscellaneous Dec 13 Doc 13 LATE FEE 39.00 Services Doc 4 Dec 4 VESTA " AT&T PORTLAND OR 15.90 lnance 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 $1497.57 008216% 29.99% V 29.99% $36.90 $0 Cash Advances $0 0.08216% 29.99% V 29.99% $0 $0 The rates that apply to your Account ore either Fixed ffl or they may vary (VI as noted above Great hdiday savings ate just a dick awayl Earn 5% to 20% Cashback BomnlR) every day at over 150 top retailers like Sens, BesiBuy.com, and Lords' End through our exclusive online shopping moll, ShopDiscoveriSM). Just visit Discover.com/shop hxkrfl Important frdonaadon. N Pere is more Man are page to his Ling sialemerm, see the bade of each page for additional firpodant hobnnalon. a See yourCardmaaa3ar Agmemand. Your CardmeroberAgreenanrt confains all fie tennis of yamAccoLA W Lost or stolen cards. Report ininedraieyh Cal 1.800J 17-2663. p Billing Rk*b Sunmary. in Case of Gros orCluesfomAbaiYour 68: f you fdok your bill is wrong, or i you need more inlanwidion abort a transaction on your Ink write to us on a o separate sheet of paper at 17scom. PO Boat 3IA21, Salt IAe may. UT 84130 0421, as soon as possible. We mist hear from you no later Om 60 days after we seat you the list bill on Mich the cam or problem appeared. You can teleptione us, bA4uWg so will not presem }exit sights. In your Wer. give us to idlowi g YUormalion: • Yaax now and Atcauht IarfnbeL N The dollar amnow of Unsuspected am. • DeKdbe he error a W wain. E you ca4 why you bekve tlwa is an error. Npou need mare iaMmakon, desuba he Item you are ursure abort You do nil have to pay a y anmmt inq ieslion while wa are htwafigalktg, but you are sillodigaled to pay the parts of your WNW are not in question. While are lavesligab yaw cuestion, we cannot report you as de4gxett or We any anion to called the aamrJ you question. Special "lorCredit Card Purchases f. you have a problem w M OnsgWityolgoods or seMce,tatNOUWidramad wlhaCredtcard, andyouhmIfiedingood faithto Correct ,,y , :,,, the proMmdh the merchant you m8yrad have to payfw ramiiig anoud due an Oa goods or vices. You haw this protection oily when to purdwse pies r $50 fo he an and to purchase vms ands in your Was state ormftk 100 am of you( ficaling ess- {I(we own or operate the merdwU, or if we ma? dyou the adveufseerentfrn the goods, or serviom ore purchases are covered regmdless of to amount at location of purchase.} Par"" Send only your Payment and the lop Person of this statement in the envelope provided. 00 not send cash. By sending your dads as desprbed abase, you auUndae us to use idanrnatdn on your Check to mdse an efedmric lend trans*hwnr youraiwwrt at the fnandal institution indicated am your check or to process the paymeN as a died Inanaaciin. V payment is processed as an etrclmrm lad transfer. the I waft will be for the amount of turn chock. YM mwe use kftffk lain ham your dcedt b nuke an ederirone kind 9amter. hinds may be wkNkwm Jim your account as soon as he mamledaywe recehe yw paynarot and you will not receive your Check lack from your financial Institution. The processing of your payment msay, be delayed d you send alts norrespoodence orother Ions vA your payrrani, if you send the payment to any after address or it you use an envelope other than the one provided. PayrwAs received h proper tam stow prooessing facility by SPAT foal Fme an any day will be credited b yore Account as of Oral day. Paynefits received at our processing fanny offer 5PM local time wi be credited to your Acoci v4 as of he raw day. t you have misplaced your enwebpe, send your payrinent toDiscom, PO Box 6103. Carol, Scream, I.60W-6103. Rom allow 7-1Ddays for delivecy. If your payment is returned unpaid, we reserve he right to resubmit it as an electronic debil. You an payyowminim an paynnemor a gag" strait overdo telephone and you can cat up autanatcyaymenb. Cal us at 1-000.347-268. You veil need this statement and your bank account iilmnratan. Yar rust ermaxe dud atfdat hands are available In your ban&accounk, and all IraosaCamn avert caaply, with U.S. law. You will be asked to provide the fast 5 digils dyer account statomert 7P code. By entrrkg Vase cambers as year dethmde signature. you will be agreeing to this aWlierbAllon to allow nil and yew bank to deduct each paMentyou authorize ham your bank amount and Is islaie dabkor credit: ouldes to your bwik arrant, as appkabte, to correct an error in the processing of such payment You rims Id us San M llw of each paywhart or you can salad aA anouetwdh u the MI iuan Paynnerit Buie or the New Batance m each staemat. You can caned a payrnank however we rust receive no0ce at least aree business days in advance of he scheduled paymen. You may, nobly us by phone at 1-800.347-268J or by mat at ft address iskd m fie previous paragraph. If yaw parrbds wary in ar ou t, we WE tell you on sub rmanffy slatornat Mee yaw payment writ be made and tow mach itwti too. Your automatic prgmterd amount may be Less tart indicated all he mm* stalemard based on kreft at peymerts appled dumg the biGrg cycle. Credit Reporting. ft muy report irdouwGan about yaw socou t b credit Imaeeus. late payments, massed paynona, or other dela lls on yaw acme rd retry be salteded in your credit (eporL IrkrnmaVympmt era stales end paymgd Mstoryo fy m Aomn1 to aad0reposing agencies each marifn. Vyou believe, Uhl our report is iacauaae m incomplete, please writs M ... wn. us ofteeMm*g addressDismaee PO Box 15316, Wemagl t)E 1985-8316. Please hdude yam name, address, horse LaWmne mxrnbw andAowxt rmmb0r. G r a c e o P e r i d on Puramm* (at Least 25 days). We begin to impose Periodic Finance Charges on al Imnsactions horn die Transaction (late for Ile Wmaatmt asdhomi n all your r ,a ? ,, , . , ? ,. .r . .W .. skafan ..•.ary , kwdess atransaction isposted b ymACmml oft the dose of the biting period in which d oasis, in which case we begin to impose Periodic Bianca Charges on that trarsa tun from One first day of are W16% period it which a is posted to yourACammL Via corUkaare to impure Periodic Finance Q 31M 31M Until the date you payr yourenie View Balance. by mating Wpneidsor receiving c"s. Native ter, (yen paid to New Bahenoo on yaw predom billing stzlereent by Ife PayrmsU Due Dale shown on that billing statement and you pay to New Balance by On Payment Die Dote an your amend Wing statement, the will not lmnpose Pabde Finance Charges on now purchases, tad Is, purchases first appearing on Ihee current bTrg daleone aL Mk cat this the *grace period' There is no grace period an balance transfers or cash advances. Wohm n Finance Chagp, We will hinge you a rnkirnman FAIANCE CHARGE of $2.001% any bitig pmW in Mist Periodic France Charges of less than $2.00 would otherwise bekapmed. Amoral Fee. If your Account has an annual toe. It wtl be h e d i at he beghmthg of each anniversary year your Account is qan The amawit of the fee appears on the stateroom %tien to .J .'f v .. fee is bled. The anal tae is not niki dabte unless you FoRy toW you wish to dose your Acoantwibinn 30 days of the mailing of da*mV dabs of to statemad on which ha fee is tied. YW will mmwfdS mhmd vm dyou use yen C.ad dkxiag Vat period. Periodic Finance Charges. We sod you transactions; ido groups of prxchases, cash advances, and balance traders and Dun totter sort the transactions won each group by their ArmmidPekcentageRale_Fmexample,purchasessubpctbapiomofnulrate andpmdasmsuhjacltoastandard rate would beseparafegroups.Werekxbsesegroups as tra sadfwrrategw es. Al he end d each bttig perod, are cornpas bid noes and Periodic Fina mot Chargos For each day of ha billing period lar each transackon category ark eso the Wien itg equator b conif a e Perod o France Changes la EBdhiralwefd4a11 atogory: (Average Wily Balance) spies (days In bWM pedod) times (Daly Perfada Rate). (You may, refer to fe fence charge axhw q on yaw billing sfalf mem for time amounts.) Then we add W he Periodic Finance Charges for each transaction category to get to total Periodic FOinancce Charges for yaw Account. TheAvwage Dally Balance is shown as zem d. because of to grace pariah, no Pedodic Finance Charges apply b he balance in a Waus er rerege l)afy Bakmoe liadurdag aver transadfans) ahegod of alndahg Oa batnce upon which we impose Per oils Nuance, Charges. We oaryule the Average Daly Babhce for each buns ct im category by adding up of to daily bMaoes in a biliig pedod ter a tra wbon category and dividing he Mal by ft amber of days in, ha bttng period. We uanputo dodally belamx breach trrirsedim category on sech day by ka adding Ora Wining to the previous day's daffy balance: rarnsarcirnis with a Transaction Date of hat day as shown on ymr ping staferneK unless rte transaction Is posted b yaw Aaaum alter the dose of the billing period in which it occurs, inwhiit case the hanm%n wig be added to thedaiy bulaae as oil the fist day of he biting period in which It is posted to your AoomK fees charged that dayand Periodic Finance Charges accrued on the pievias day's daily. balarm and by drat anhtradng any ardds and paymena cal am applied against the balance of the trai sadion cdegoryon ono day. In ctkdahM the daily balance for he rust Jay of the billing p Nk4 we consider the'prevouis day's duty badarme' to have been your balance For each bansacdon calogcry on tie last day of your previous Ming period At fees charged b yamAuwnl as added to he afandard pudhase hans0ctim category with the exception of Cash Advance Transaction Fee Finance Owges which are added to the appic" cast adtranee transaction akpory and Balance TrnmferTrrxneadiah Fee Hamm Charges which are added to Via appiuade balance transfer transaction, category Wain Uw special rate sapires, we came the unpaid balance of the balarm baMfer and to Balance Tramlev Transaction Fee Finance Charges to the standard purdasz kasedyon category . Itovrever, f to special rate has berm terminated utder the DefM PAW section. we leave he Li paid balance of to balance transfer and the Balance Transfer Transaction Fee finance (3xwges in the applicable balance harsler barsactim cab" w fi ha special rate would have epicd. For TDP (TekcomrmWticaUaus Device for the Deal) osslssanoa, please all 1-800317-7449. Dacowxmay moniker andh rrecord telephoneCalls between yatandDiscover representatives ton quality mixance purposes. The Discover' card is lashed by Discover Ball. Wnd"r FDIC 011 BK181 i Closing Date, LEEANN BROWN DISCOVER` LDo .6.,->?z,- Qa Account number ending iu 1856 page 2 of 2 Cashback Bonus ® Award Summary _Cashback Bonus Anniversary Date: February 17 Balance Previous Cashback Bonus Award Balance $ 7 92 urc ase Award I is Period ----0.36 Cashback Bonus Award Total 8.28 Cashback Bonus Award Balance 8.28 Award Available to Redeem $ 8.28 9322205 Restrictions apply to the Cashback Bonus Partner offers visit Discover-com or can 1-800-DISCOVER (1-800-347-2683) For details. For program details, see the Cashback Bonus rogram Terms and Conditions. DISCOVER New Balance Minimum Payment Due Account Number ending in 1856 $1,626 48 57.00 Enter Amount Enclosed Below Payment Due Date $ 1_----_ February 12, 2010 Please make check payable to Discover Card or pay online 0 Discovercard.com. 17 SDSN6A01 0004326 L EEANN BROWN Access and manage your account at www.Discovercam or visit m.dtscavercom 1234 BENT CREEK BLVD on Your mobile phone MECHANICSBURG PA 17050-1859 Pit BOX 71084 Illrrrllrrrrr,lllr.rIIIIIII CHARLOTTE NC 28272-1084 Address, e•moilortelephonechange? Print change Inspace lhilillirlnr)1 llru)ulelnr)lllnilujihI rhl)nA u)hrl+liill above, or yo to Discover com, Print your email address to receive important Account information and special offers. 000001986458515494090016264800000000005700 Discover More Card Account Summary Closing Date; January 17, 2010 page 1 of 2 Account mrmber ending in 1856 Previous Balance $1,579.69 Payment Due Dote February 12, 2010 Payments And Credits 64.00 Minimum Payment Due $57.00 Purchases + 69.71 Credit limit $8,300.00 Cash Advances + 0.00 Credit Available $6,673.00 Balance Transfers + 0.00 Cash Credit limit $4,200.00 Finance Charges + 41.08 Cash Credit Available $4,200.00 New Balance $1,626.48 You may be able to avoid Periodic Finance charges, see the reverse side For details. Casllback Bonus* Opening Coshback Bonus Balance $ 8.28 New Coshback Bonus This Period + 0.07 C:asliback BonusO Anniversary Moth: February Cashbadc Bonus Balance 8.35 How Can We Help You? I Visit Discever.com to pay your bill for no cost, view ur Nast Account information, earn and redeem rewmds and more It's your choice - 3 ways to help 2. Cal I-800-DISCOVER (347.2683) for fast, easy self-service (lease have Discover Cord available. options or to speak with a Customer Service Account Manager your Discover for hearind side 3. Write us at , UT Discover Card, PO Box 30943, For TDD (assistance 9 impaired) see reverse 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 $ -64.00 Mendw ame/Retud Dec 21 Dec 21 AC MOORE STR #82 MECHANICSBURGPA 18.71 Jan I 1 Jan I 1 SHOPPERDISCOUNT.COM 800-889-8776 CT 12.00 other/Miscellaneous Jan 13 Jan 13 LATE FEE 39.00 Information For You Build exim Cashback Bonus by using your Discover(R) card to pay your monthly household bills like cable, cell phone, and insurance. IYs easy to sal up, just contact your provider You'll earn rewards with every bifll Tnance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES _ axrent billing period: 31 days Purchases $1612.92 0.08216% 29.99% V 29.99% $41.08 $0 Cash Advances $0 0.08216% 29.99% V 29.99% $0 $0 The rates that apply to your Account are either fixed IF) or they may vary (V) as noted above. Important kMoanafioe. h there is more than one page to fis MW atalement see the bade of each page for additional impotlarn informat on. D See You( CardmemberAgreemeM. Your CardmemberAgreemerd contains all the terms of y=Aoce nt z Lost or sdolan cards. Repot lnmedialelyi Cal 1400-3474683, n 0 B pug ffyhts Summary. In Case of f3nxs a Csrestias Ahaillsr Bit W you riricycur NO Is wrong or if you reed mom W malion about a transaq on m your bU, wr ba b s on a separated" of paper of Discover, PO Aar 30421. Saflake Cfyk UT 84130-0421, as soon as possible. We must hear from you no later Oran 60 days after we send you the first bit m o wttilrlhe am or problem appeared. You can telephone us, but doing so rail not preserve your rigtds. In your letter. give us to tollowng ktlonnadon: .161/ narm andA tcourt mrsiber ? • The dolaramout of Ote sespeded era Desabe the error and adpfafn, f you can, why you befove8tew is an onor. H you need more information, describe the them you ate unsure about. `n You do nor luweto pay ayamaat in question white ueere kwaligeIrng, but you are still obligated to pay the parts of year bin Iran are not in question. V11ile we investigate your quest^ we carnet report you as de4nquend or take any acbm b cdeot the arrnurd you gkeslbn. Special Rude for Credit Card Purchases: B you have a peohlemwln the quaily of goods or services Oat you pod ased with a credit card. and you have tried in good IsP h to correct theptohlereworthiremaictraM,youmayndhavebpaythessits regaercutdeemthagoidsaservicesYoulovetitsprorec0onartywhenthepurchasepricewasmomthanSso and to stla, 1, was made in your (come slate orwgfn 100 a" dyer mailing address. (8we own or operate One mef hard, or f we mailed you the advertisement Lathe goods or senioes, of pudwses are eovived regardless of the amwta location of purchase.) Payer eWL Send" your payment and the top podiondOts ssalentcwi In 1* envelope provided. Do not send cash. By saint your dads as described above, you aedhorize us to use iianraOan on your dad to reeks an dectrahic fund hanslor foam youraward at file fsarclal krskWOon in icalod on your dad or b proses the payment as a check transaction- 0 paylruetle processed as an electronic but transfer, ft Inra[Irvdl be for the amoral oa the check. When we use informaden ham your cock b make an ekcwnde fund translor, fags nay bewttddevn tom y,Mr acoart as aeon as tesarrreday we recekre you payment, and you will not receive yourchedk hack from your rmancial Institution. fiepoeemigofyour paymentnaybedelayed fyouEarncads,correspondence orothertemswithyarpayment,ifyousend diepayr Mbanyotheraddressor tyou man erwnlopeoiler than the one providsd Paynants recehed n proper form steer processing racily by 5PM focal Wean any day will be credited b ycarAeoouml as of Ihatday. Payanaus received atour processing facility afer5PM local lime will be clediled in yourA ccoutas of the next day. if you have misplaced your ervaiDpe. send your payment to Discover, PO Bore 6103, Cad, Susan, IL 60197-6107. pease allow 7-10 days for detNvy.. ilyour payment is «tumed unpaid, we reserve Ire right b resolved Ras an elecbadc debit. You ran pay your mi imun payment or a greater attest ovate Werphona. and you can setup automatic paymenlL Cal us at 1-800-34746M. You wit reed this starers f and you bank accout olornrafon. Ynu meld erathre that sndfcierd fuaft are available In your bank accwK and all Yansactats must comply wilt U.S. low You wit be asked b provide the last 5ci*of yaw account salerert ZIP code. By entering those nenbevs as your elechatc signature, you %61 be agreeing b this authorization to allow us and your bank to deduct each paymerd you authorize from your hack acmunt. and to iiilrledebd or credit entries b your bank account, as applicable, to cared an error its the processing of such payment. You must td us do amamt of each paymeil of you an select ore amoud such as in Minknum Payment Due or the New Balance on each sWemenL You can cancel a payment however we rest receive (were at Irk tree business days in advance of do scheduled payment You may notify us by phone at 14MB-347-25M or by mail at the addrez. feted in the previous tern WAIL f your payffreMs vary In amamt, we wit ail you an each mootdystatement when your payment wit be made and how much t %d be. Your automatic paymart amount may be less Stan Indicated on the monNy statement based of deft or payments applied during the biting cycle. Credh ReparIrg. We say repel iltoratm about your am0ult to c" bumcaus. tale payrnats, missed payments, or other default on your aoceunt may be neleded In your credit report Ile rumnnaly report the stable and payment history of yourAocarnt b credit reporting agencies each month. O you beflave that our report is inaccurate or incanpiate, please wree as at Ire following address: Discover. PO Box 15316, Nfkdrnglon, DE 19850,531 6. Please include your name, address, home telephone number and Award number. Grace Period on Purchases (at WA 25 days). We begin bkepw Periodic Finance Chases on all transactions from the transaction Date for the transac0on as shown on your bXmg solar cK,Wass a transaction Is posted to yawArxxnrdafter Nor dore, of the bilig period n which it onus, in wtk h kale we begin to impose Periodic Finance Charges on that marsa . from do fur daydthebalkgperiod nwhich tIs podedbyour Account. V%omilnuebknposePedod:Finance Charges until thedale youpayyawetireNewBalance, bynaeig payinerlaa or reeelvlog creeft Noweve , If you paid the New BaAtoe on your previous filing statement by the Payment Due Dole shown on do bWfreg statement and you pay the New Balance bytme Payrnent Due Dale on your current bMWstatemert, we will not Impose Periodic Finance Charges an new purchases, that is, purchases first appearing on the cent bang statement We call tlts the -grace peAO 111 k no grace period on balance trarders or cash advances Wildman finance Charge. We wail charge you a minknum EXANCE CHARGE of 52.00 for awry biting period in wbkh Periodic Fiance Charges of less than $2.00 would otherwise be imposed. Answer! Fee. f yourAccout has an aorual lee, it w1 be hiledad the begkrirg of each an iversaryyear your Amount is open. The amount of the lee appears on the stalemenl when five loo is bled. The annual lea is not refrndabie a lessya7 noly us tar you wish to dose your Account within 30 days of the Mailing ordelivery date of the statement on which lie be is bled. You will receive this refund even i you use your Cod during tat period. Periodic Finance Charges. %b sad your transactiors4nb gaups of purchases, cash advances. and balance trarskrs and than tither sort firs transactions within each group by their Annual Paontage Rate. For example, purchases nn W10 a p rimotual rate and purchases su Mee to a standard rate would be separate grows. We refer to time groups as konsarJmcalegorlm Al the end of each brig period, we compote balances and Periodic Finance. Charges for each day of the hirnrg period fur each transaction category. We use the t1lowig equatim to oompue Periodic Finance purges IN each trasadion category: (Average Daft Balance) teas (days in Ming period) fines (Bony Perkaft Rate) ('AML may refer to to kunce chaTe summary on yo rbling statemena for these amoknis.) Then we add up the Periodic Finance Charges for each trarmclol calagay to gel its Intel Pefoik FMtance Charges for your Account The Average Daly Balance be shown as zero O. becausa of the grace period, no Periodic Finance Charges apply to the balance in a trasaftlIMOrJ We use tm Average Daly Balance Orcludng newtmsaclioaq method dcalatati g the balance upon vfilcr we Impose Periodic Finance Charges, We ca ipula the Average Daily Bede ce la chair tmraaction caWM by adding up all On 4* balances in a billing period for a transaction category and dvi*V the total by to amber of days In the biling period. We aompum On daty balance for each transrcl are calegayon a" day by first addig the following to due previous days daly balance: transactions wish a Transaction Date of thal day as shown on your hikg stalemeni unless the transaction is posted toyo rAscaml after the dose of the hitting period in which h own itvddkh case the transaction wit be added to to dalyr balance as of the first day of the bung period in which it Is posted to yourAxoorht lees charged that day and Periodic Finace Charges accrued an the previous days dairy habrne; and by then subtracting any Credts, and paymats Bat dun applied against the balance of the transaction category on that day. In cal ulAng the defy balance for the last day of fire Ming tented, we consider the -previous days daily bo me' lo have been your balance for each transaction category an the last day of your previous bring perkd. M tea tlatnged b yo rAccovmt are added b Ire standard prdnase ransacfon kategorym7h to exception olCashAdvance Transaction Fee Finance Changes whit h are added to the appfcable mash advance transaction category and Balance Tiansta Tnnsadkn Fee Finance Charges which are added to go appicahte balance transfer bansaction category. When Ire special rob expires, we heave the trmtaid baWrea dtlrehalanos trarsfxand fie Balancer Transfer lai sacioh Fee Fiance Charges b the stadenf purchase Warisaaioe ca How eua, its special tale has rem terminated under the Dahill Rate secaen. we leave ore tsTald balance of the balance transfer and the Balance Transfer Transaction Fee F?c Cages in fine amble balance tarsfer trareaction category vdd the special rate would have expired. Far TOD frideconmwkfadionc Device for the OerQ asafMancq paaosa call 14106347-7449. Discurm naymontaandfarecord Wit* ecallbMweeteyouandDmwwrepr representatives for quality assurance purposes. The Discovtos cad is issued by Oacarer Bate, Masher FDIC. OITBK181 DISCOVER aaaFng Hate: IEEANN BROWN Account number ending in 1856 page 2 of 2 Cashback Bonus ° Award Summa Cashback Bonus Anniversary Date: February 17 Balance Previous Cashback Bonus Award Balance ^T $ 8,28 Purchase war is erio + -- Cos ack Bonus Award Total 8.33 Cashback Bonus Award Balance 8,35 Award Available to Redeem $ 8.33 9322205 Restrictions apply to the Cashback Bonus Partner offers visit Discover.com or calf 1-890-DISCOVFAt (1-800-3d7-2683) For details. For program details, see the Cashback Bonus Grogram Terms and Conditions. r - DISCOVER NowBalarrce Minimum Payment $2,501.A7 [3%00 Payment Due Date March 12, 2010 Due I Account Number ending in 1856 Enter Amount Enclosed Below $ r Please make check payable to Discover Card Minimum payment due includes a past due amourd of $57.00. 17 SDSN6AOt 0004327 LEEANN BROWN Access raccountat wwm Discovercom or visit m.disoove saovercom 1234 BENT CREEK BLVD on your mobilephone. MECHANICSBURG PA 17050-1659 PO BOX 71084 111 11111114111111111101111011 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? I n l o l l r 111111, Ill.' 1,1 l r l1 r r 1111 111 1r 11111$11111 l 11111111 if I I Go to www.Discov,&rcom or print change in space above. 000001986458515494090025014700000000013000 Opening Date: January 18, 2010 Cfosfng Date: Feb Discover More Card Account Summary Account number ending in 1856 Previous Balance $1,626,48 Payments And Credits 0.00 Purchases + 782.39 Balance Transfers + 0.00 Cash Advances + 0.00 Finance Charges + 53.60 Other Fees t + 39.00 _ New Bo core $2,50147 See Finance Charge Summary section following transactions for detailed APR information Credit Line $8,300.00 Credit line Available $5,798.00 Cash Advance Credit Line $A,200.00 Cash Advance Credit Una Available $4,200.00 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. L- I Cash C Bonus' Anniversary Month February Opening Cashbock Bonus Balance $ 8.35 New Cashbock Bonus This Period + 1.94 Cashback Bonus Ba6xo $ 10.29 T. learn more, log in of www.Discover.corn and select Rewards fary 17, 2010 page 1 of 2 1 Payment Information New Balance $2,501.47 Minimum Payment Due* $130.00 Payment Due Date March 12, 2010 'Includes past due amount of $57.00 Late Payment Warning: If we do not receive your minimum poyment 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 29.99% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: ' lvrt(Gtia?txtif (F1e }Ind yarwdl etid ,?9"?1? fits?syl ..... .. a91 y6? a aEcr? on i&ftt4lateme/d m w f uP {#?ying art egnmuted tatarpf Only the minimum 12 years $5,944 payment If you would like information about credit counseling services, can 1.800347.1121 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1 Access your account securely at www.D6caver.com Access free online ioofs like Paydown Planner to create a plan 2. Call 1-8004ASCOVER (1800347--2683`` to ay down your balance, securely access statements, pay Please have yow Discoverm card avaikdrfe. bill' online and easily hack all transactions 3. Write to us at Discover, PO Box 30943, Make your money worth moreSM-find easy ways to eam Salt Lake City, UT 84130 and redeem cash rewards For TDD (Telecommunications Device for the Deal) NEW! Access your account securely through your -assistance, please can T-800347-7A49. mobile phone Transactions Trans. Pod Date Dale Merchandise Jan 22 Jan 22 MARSHAUS #834 MECHANICSBURGPA $ 88,73 Jan 28 Jan 28 WAI,-MART SC #1886 MECHANICSBURGPA 206.5A Feb 11 Feb 11 SHOPPERDtSCOUNT.COM 800889-8776 CT 12.00 OArar/MisceNwneaus Feb 12 Feb 12 LATE FEE 39.00 Supermarkets Feb 11 Feb 11 GIANT FOOD #005 MECHANICSSURGPA 4A.70 010079 <See reverse side. DISCOVER Impordmt hdomalloo. M there is more tan one page to this 6iap statenimk see the hack of each page for addtloral impalant inlamaUon. o See Vow CardnaoherAgreement Your Catdmerber AgnAmenl omiains a! to terns of Yom Account. in z Lost or SWM cards. Repot irnmhediatefyl Call 14et-347-261M j Billing Rights Summary. in Cased 6rors or Wesl'urts About Your Bill: Y yw With your bill is vrms. a it yen need more infmnalkrh about a transaction on Vow bit, write b us en o a separate sMw of paper at Cincacr, PO Box 30421. Sat LAO City, OF 8417040421, as soon as possible. We must hear from you no War than 60 days Mini vue sent you ale rash al o on edhich the eta or p ublen appealed. YOU tan Idepfhare us, butdoing so Will net pfeterne your righe to your letter; give us Uie kdaWng Irdanha6m: Your same andAoauN awnber. The daft amalit at Vie suspected error. Describe fe am and explain, t you can, why you befeve Thom is an eror. Nyou need more information, Iescnbe the hefn you are unsure about You do nd have b pay any wonted in queston while war are Nyesliga6rg. but yen are still obligated to pay fee parts of your bill Ural are not in question. Wide we investigate your goestion, we cannot sepat you as ddnquent or lake any ec8on to called the amount you quesbon. Special Rule far Ctedll Card Ptxchosts: if you have a problem mfW IM q mft of goods or services gnaw yon purchased with a credit card, and you June hied ingood faith to correct the peaI I With the merchant, you may rot have to pay the remaining arnouiddea as ihegxak or servios. You have this protactiah only v4rn the p mchasap ke was more than $50 adtheptuctasewas made n yarhare stare a wghn 100 mks of youronelllg addim (t ym own or operate the nwrdwd, fir owe mated you dwadmalsemenl for the goods orsariem, dphndhases are covered regardless of the anl0end or kscafm otpurdhase.) Payments. Seed only your payment and the by paefion of th!e shtemesd in the envelope provided. Do not send cash. By eerxing yea died as doeuibedabum you aul eke us b use nfanreim an pow dhedr to make an eleckomchnd Winter ham Vow aoco nt at the financial Institution indi mled on your deck or to prods Ike payment as a check barsaion. rpaymerdis processed as an electronic fund karder. the Ialtfef YA be fur Yore amount of the check. When we use idamalion Iran your deed to maps an electronic kid baesim hands may be withdrawn Iron your amount as anon as life same dw v e rooeiveyaur payment and you pat not receive yaw check back frumyar financial nsiflaten. Thhe pmcesft of your payment may be delayed if you sand cash, carespmdenceorotier Hans V46 your payment, if you send the payment b any other address or if you use an envelope allow than the ones provided Pay+nards received In pepper Fenn at our pmcessig facility by 5PM focal fares on any day vat be credited to yanr Account as of Mai day. Payments received at our pmexssng Molly after 5PM kcal ere coif be ar"ed b year Aoooait as d the nod day t you have misplaced yew envelope, said your payment In Uncover, PO Box 6113. Card Stream, L 60197.8101 Pleaseatax 7-10 days le deWery. tyour payment is retained enpaid, we reserve the right to resubm17 d as an efeckonic debit You can pay your minimum payment or agreater amount over the telephone. ad you can sd up i nlornitic parsers. Cal us at 1400-347-2683. You vA Reedits alaterneld and your bad account in omalion. You uadarswe Mal sutidea! rods are aalabfe In your bank accaml. and at transacfo s must cmfily vith U.S. law. Yaowi be asked to provide she Est Sdyh d yo raccount statement ZlPcode. By enbeing douse numbers as yaw ek*onb signature, you Will be agreeing to this auMavalion b either as and you bank to dedieeach parymrrd you ast trim from yaw bank aocoudt, and to initlew debltof credit enhies to yew bad account. as applicable, b correct an enef in ton pmceL*v of such payment You must del us the around at each payment of you can select an amount such as the ktnnxmh Payment Due or the New Balance an each staesnenl You can cancel a patnherd however we aaetrece"Nice at least three business days in advance of the scheduled payment. You may nosy us by phone at 14MO347-2687 a by mail at the address listed in be previoutc paragraph. t yen permits vary in ahnoat. us will %11 you an each awnft statement when Vow paymen! coil be crude and bow much A Q1be. Your aulahralw payment ananl maybe less than in ik atell on tie nanYily statement lased on credits or payin ants applied during the billing cycle. Credit Reporting. Noe may report in(emaeon about yoahcaount b cell Meeam Late payments. missed payments, or other denudes on your Account may be reflected in your Cfadl ctpod.;* nonnety tepod Vie status end payment hbtayof yourAoraad to credit reporting agencies eadu mint. If you befeve that our repaid is inacarale or Incomplete. please wroth us at the bttving atkkess: Discova, PO Box 15318. Wtminglon, BE 19850;5316. Please include your name, address, ham [&phonemmdaiandAmount ")her, Grace Period no Purchases (at least 25 daysi %1e begin to Impose Periodic Finance Changes on of Inrseclionshan to Transactor Date for Me transaction stnan on your d1Ng statement. unless a ka sat ion is posted to yen Account alk r the dose of the 6lfrg pe"cd in which it occ rs. io which casa we begin to lapose Periods France Chow an tat Yarsac4m have the fist day of the bi<ag period in which t is pooled In yerAccounL We confmue to Impose PaWe Finance gouges unit le data you pay yen mire New Balance stave an your big slideme t by making payments or receiving credos. However,V you pad the New Balance an your prevkxn billing snatehent by the Papoant Due Date shave on l hat ding slalerefd we vA not impose Periodic Fkonmgharges an newpadhates, tat is, purchases fist aipeat" on Me erred filing staterred, or any portion of a new purchaw paid by ter Paymad Due Dab an your curmt bill% statement. We cal this tke'grace peiod.' There is no grace period on balance kansfas or ash ad iances.As more *d®ah;ed-nlhesectmofyarCardinemherAgreahrM Ned ItowV*Apply Payiienls;vegenerally apply POPTICnlstoyemAcramtbased onMeAnnual Percentage Rae applicable tithe balance of oak h traesec§m category. Oft means that if you do lad pay We flow Balance on to current billing statement by the Payment Dun Ode shown on chat billing slatemerd, then. depending on the amount of your payment ad YeAnnual Percentage ftates on o1wbalances. you gay not get a grace period on new purchases. Minimum, Fieance Charge. We will doge you a minninm FRANCE CHARGE of $2.00 ter army ht6ng period !n which Periodic Finance Charges of less tea $2A0 miuld othexise be wrosed Annual Fare. If your Account has an areal fee, if will he WO at the begenig of each anhimmary year your Account Is open. The amount of the fee appears an to stalewirif when the.feeisbilled. Theannulfeeisnotndmdahletnkssyou onlily hsthat yoncoshlaclose yewAmount valhie30days olYemailing adeh"daleof testetementanwhich the lee is billed. You will receive this rekehd even f you use yew Card dung War period. Periodic Worue Charges. We sort year lea sactas Into groin of ptrdeses, cash advances, and balance kwu;lie r and Men twiner sad the trarsacdos vA* each group by their Annual Peaentage Rate For example, purchases subject b a promotional Isle ad purchases subject to a standard rah would he separate guahrps. We reler la time groups as trasaYm calagoiss. At the end of each hiring period. coq eompule balances and Periodic Finance Charges for each day of the billing period for each transaction categary. We use to falmei,g equation to commute Peiodic fivers Charges for each transaction caleaW (Avenge Oeiy Bdance) tines (days in WU peril) Umes(Oaly Periodic Rate). You rr?eha (7saga Summary on you M'Ilmg atagr?erht fort.eso an ounis. Then we add up the Pecio& Finance Charges for each kansaclion colegay to get the btal Public marwe (?ahges kr yo r Mxard. 'Me Avenge Dapy adance is shown as muff. became of fur grace period, no Periodic Finance Charges apply b the balance in a traasacfoncalegey. The Daly Pe"odc ftals is 1f3651h of the arrespordslgAnnsal Percentage Rate. ft we lseAwrage Doty BAmm pndudirg war kxsactas) melded d eatalaing oho bfaroo upon whichww impose Periodic Finance Charges. We ouropule, the Average Daily Balance for each Inv seckm calegory by adding up ell the daily balances In a b&V period for aliassacOm cah9ary and dividing the tidal by the number of days In to blfng period. We mrsprme the delay balance for each Irmnadlon calegayt an each day by tort adding the fdlowig b lie preview day's daily balance: transactions W& a Transactioi) Date of Yet day as stain on yea billing sUe ant, mlen the trasadon is posted to your Account afer fe close of the bltng period in vaich it oocrrn. in wlddhcase the Vivisection wig be added In, Ole duly balance as d Ye first day of do bYW+g ponied la Whihds 0is posted In, yew Account, fees darge'd to day and Periodic Finance Charges axreed on the previous dayLdaly balnca and by ten subtracting any credits and paymanis that are applied agalmt We balance of the transaction category on that day. In calculatieg On daily balance for lie ketday of IM Wig period, weconsider t epravies days day batanoe' to have been your balance for each karuacfnn category on the fast day of your linvi us filling period. Al Im c halted b yaw Account are added b de stadad purchase karaeim Category win twexcepliond Cash Advance Transaction Fee Finance Ganges which arc added to to applicable case adv rxxs transaction rdogaryad BalnceTransferTrarsacdom Fee Finance Charges w'tch are added to the applicable balance trahsfertrarsaction category. For TTTD (felecam municatons Device For the Dean assistance, plsace eat I. 347-7449. Discover nay month ands record loaphore calls behiese you and Ciscover representafvrs for quality assurance purposes. 0010 The Olseavera card is issued byDiscover Bank. klw berFDIC S00210 DISCOVER It pays to LEEAN Account umbeVr ending in 1856 ?v page 2 of 2 E Transactions - Trans. Post Data Date Warehouse Clubs Jan 26 Jan 26 BJ'S WHOLESALE HARRISBURG PA 281.55 Feb 15 Feb IS BJ'S WHOLESALE HARRISBURG PA 148.87 Finance Charge Summary Nominal Other Average Daily ANNUAL ANNUAL Periodic Fee current billing period: 31 days Daily Balarxe3 Periodic Rotes PERCENTAGE RATES _ PERCENTAGE RATES FINANCE 91ARGES FINANCE CHARGES Purchases $2,103.91 0.08216% 29.99% V 29.99% $53.60 $0 Cash Advances $0 0.08216% 29.99% V 29.99% $0 40 V = Variable Rate Information For You Notwilhstanding the payment due data 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 Finanee Charges on new purchases first appearing on this billing statement, or any portion of a new purchase, paid within 25 days of the Closing Dote on this billing statement. ' "' ATTENTION Your account is past due. Please pay the past due amount now, or contact us to make other arrangements- This month, the featured Cashback Banus(R) Redemption Partner Is Applobee'sIR). Redeem $45 Cashback Bonus for a $50 Applebee's gift card. 9322205 OMAOi1S? Visit www.Discover.com or DISCOVER call 1-800-DISCOVER {1-800-3AT2683), DISCOVER New Balance J Minimum Payment Due Account Number ending in 1856 5694.99 L$28_00 Enter Amount Enclosed Be" Payment Due Date $ April 12, 2010 Please pay online 0 www.Dixover.com or make check payable to Discover 17 SDSN6AD10004328 LEEANN BROWN Access and menage your account at 1234 BENT CREEK BLVD wwwbiscover.com or visitm.disonver.com - on your mobile phone. MECHANICSBURG PA 17050-1859 _--- PO BOX 71084 IIInrllurn.lllnrlr?Irll CHARLOTTE HC 28272-1084 Address, e-mail or telephone change? Ittlllltllr„ItIIIt,Itll1],l,11iltl II=Jtli,liltllrrl?rl,lr:l? Go to www.Discovw.com or print change in :pace above. 000001986458515494090006949900000000002800 Opening Dclte; February 18, 2010 • Closing Date: March 17, 2010 Discover More Card Account Summary Account number ending in 1856 Previous Balance $2,501.47 Payments And Gredits 2,000.00 Purchases + 173-90 Balance Transfers + 0-00 Cash Advances + 0.00 Finance Charges + 19.62 ONher Fees t + 0.00 New Balance $694.99 See Finance Charge Summary section following fransoctions for detailed APR information Credit tine $8,300.00 Credit Line Available $7,605.00 Cash Advance Credit tine $4,200.00 Cash Advance Credit Line Available $4,200-00 You may be able to avoid Periodic Finance Charges, see the reverse side for details. tSee fronsaction detail for a description of any fees charged: Cashback Bonus° Anniversary Month February Opening Cashback Bonus Balance $ 10.29 New Cashback Bonus This Period + 0.43 Cashlsadc Bonus Balance ? 10.72 To learn mare, tog in al www.Ditcovencom and sled Rewards 3 Easy Ways to Contact Us - 1 Access your account securely of www.Diuaver.com 2. Cal 1-800-DtSCOVER [1.800-347-2683 Please have your Discoverer card avallab e. 3. Write to us at Discover, PO Box 30943, Sall Lake City, UT 84130 For TAD (Telecommunications Device for the Deaf 9.j?xg5pleass cal 1-800-3V-7449. page 1 of 2 Payment Information New Balance $694.99 Minimum Payment No $28,00 Payment Due Dote Aprif 12, 2010 Late Payment Warning: If we do not receive your minimum payment by the dote listed above, you may have to pay a late fee of up to $39.00 and your purchase APRs for new transactions may be increased up to the Default APR of 29.99% variable. Mininwm Payment Warning: If you maker a* the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: tikts9oo.?a+?+1 silt f ? h ` +t•3 + ?fOSIA c4?h3 l h = ' l ?? atemertl; ?s rn? otrf tMtCtlbt ltltd[ th#; P?s J?? _ Only the minimum 5 yours $1,304 payment $29 3 years 1,062 (,Savings = $242 I If you would like information about credit counseling services, call 1-800-34/.1121 Manage Your Account online at www.Discover.com Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions Make your money worth more-"-find easy ways to earn and redeem cash rewards NEWI Access your account securely through your mobile phone Transac&ons Trans. Post Date Date Payments and Credits Feb 22 Feb 22 INTERNET PAYMENT THANK YOU $ -2,000.00 Merchandise Mar 8 Mar 8 NABS COSMETICS NEW YORK NY 30.69 Mar 9 Mar 9 TARGET MECHANICSBURGPA 96.23 Mar 11 Mar 11 MAC ON-UNE 800588-0070 NY 34.98 Mar 1 1 Mar 1 1 SHOPPERDISCOUNT.COM 800889-8776 CT 12.00 See reverse sida_ DISC*VEK lnportam htonmfan. 0 there a more flan ore page lothis billing statement, aft the bade of each page far addihaial impodat information. rn See your Cmdme,nhu Agreement. Your Cardworiber Agreement contains all he leims of your Amount. Z Lost or stolen cards. Report ineedeh4yl Call 1-SM-UY.26U O1 a Wing Rights Summary. In Case of Enos or Ouesio eAbmA Your Bilk If you Oink your till is wrong, or if you reed mare information abaf a transaction on your bit, wide to us on a separate sheet of paper at Discover. PO Box 90421. Salt Lake ft LIT 641304421, as soon as possible. We met hear horn you no tiler than 60 days ally we sent you he first bill °o on which he error er prottem appeared. You can telephone, as. but doing so *M not preserve your Ifgh b, in your Teller, give us tie Mowing ittonta6eu: U Yeru name and Account number. , The dniar amount at he suspected error. Q1 Describe the oror and extolain, 4 you can, wity you belkwe Mere is an error. 4 you need mcre iMormallon, describe the hem you are unsure about. You du roil bare to pay any amount in gaslion while we are invesNaing, but you are still obligated to pay the parts of your bill that are not in question. yAhhiewe investole, your question, we carrot repot you asdoivquent or take any action to oodect the amount you question Special Ruda by Cm& Card Pureha vs: IT yet boons a problem with the quality of goods or services that you purchased wih a credit card, and you have tried in good rash to correct the plablernwith fret neardhard, yon may net tam to pay tie remaining amount due on be goods or sovices. You have this protection only when Be purchase price was more Mat $50 and dopdachoee was made in youx home slate our wittier 100 ages of your ntaillng address. (If ve own or operate to merdctrd, (x it we mailed you to ad ettiserrhent for the goods or sasses, at purchases we covered regardless of ttearnovog or location of purchase.) Payments. Send oily your payment and I he top portion of this Malawi: in fie envelope provided. Do not send cash. By sending your check as described above, you authorize us to use termination to your chock to mare an eleclumicfund toaster Item your aowurmt at the inarwil ins6hmion indicated on your check or to process The payment as a check ra million. N paym it is processed as an electronic fund Yansier. the aansrorwill be for tae amount of the chok. Mien we use intoanatinn front, your check In make an elotbari c land harder. Itmds nay be wiltuhamn bon your account as soot as the same day we receive your payrnr:n, and you wit rat receive yaw check hack tom yon imndal Insttunlal The processing o/yaa payment may be delayed IT you sod rash, mmesporutonce or other item wah your payment, it you send the payment to any odw address rr4 you use an annJope mdse gum MB one provide. Payments reeeived it proper trim atom processing facility by 513M local time on any day wil be credited to yourAOUnf as of that day. Payments received at our processing la-Ry aher 6PM kcal time will be credited to your Account as of the newt day. If you have nhaplaced your arwelope, send your payment to Dsscovvr, PD llmk 6103, Can Fiream, fl_ 60197.6103. Please aflovf7-40 days for delmy. It your payment is resumed unpaid, v.* reserve low right to ltSillm1t t as an eiactmnic decal. You can pay yon mfmumem paymenlor a greater amount over the bkphoke, and you can setup automatic payments. Call us at t-600.347-2663. You YA need this matenierd and your bad account informaion. Yee most ensure dal su6udent hods are embitter in you bank amount and at tansacGens must comply with U.S. law. You will be asked to provide the W5 digits of year acco m statement ZIP code. Byanedrg these numbers as your Laechonir signawte: you will be;gmeing to Ilia authorization to allorus and your bank to deduct each payment you nNkorze here your back armunt. and to inWida debt orcrelit "Soto yam hack account. as applicable. to cared an error in he processing of such payment. You must ld as Ike anaad of each papra t or you can select an amour l such as he Minimum Payment Cue of tine New Balance an each statement. Yaw can cancel a payment; hmverer we meat receive notice at least tires business days in advance of lie scheduled payment. You nay no* Its by phone at Ia"7.2683 or by mall at the address Wed In to previous paragraph t pour farynehents vary h amend, we will idl you on each morttdy staenmat when you payment will be made and haw much it will be. Your arumiat c payment ammd may he less than indraled on the monody sWenienl based an credits or peymenb applied doing Me billing cycle. Credit Reporting. We may repot starvation about your Account to credit bureaus. Late payments. missed payments, or other defaults on yourAccamt may be reflected In your credit ahpat. We mrmailyr report fie status and Iuymnt history of your Account to credit reporting agencies each month. It you bolleve that our repot is inaccurate or incomplete, please wife us at One fotoweg addle & Discover. PO Bon 15316, Wimngloo, DE 19650-5316. Please include your name, address, hone tek:phcrie number and Amannt number. Grace Period an Purchases (at lest 25 daysy. ft begin to impose Periods Primes Charges on all transactions from The Transaction Date for tie hasactim slwvm on your biing slalonxm. ufess a transaction is posted to your Account after th close of the billing period in wtidh d acorns, in which case we begin to impose Periodic Finance Charges on Mal .. karseeian flown the Itstday of-the billing period in Which it Is posed to yot r A e o o e ll. We confirm to Imposts Periodic Finance Charges until Ike dale you gray yeweo*c New BaWkwa t !, ., ., .. ?. . shown an your bang sTatemwn by raking payments or receiving oedls, ....ac..:., if you pad Ile Now Balance on you previous bill' statement by the sg Payment [hueDate shovm on that WV sfalerneal, we will mtinpose periodic Filiation, Cbwges on now purdham, that is, Purchases first appea* on the curets hltm'Mainent, or any porion of a new purchase. pad by fie Paym@If Due Deleon yerarreel biing stal mthenL War call ids Me `grace pedal.' There Is no gram petted on balance transfers or rash adrances. As mot hAy descibed in ditastc4tiot dyourCadmamber Agheemed OW'How WeApply Payments,' we generally apply paymerds to your Account based on heAaalal percentage Rate applicable In fire balance death hasadan category. This means that if yon do nil pay the New Ballarim onlie Olnerd piing statement by he PaymeN Due Dale shown (tit that 1*4tg+.u,. RMK hft depending on de amount cryotn paymert and theAnnuai Percentage Rates an other.babrices, you may not gel a grace peiod an crew purchases. 7dinhstim Finance Chov%e. We wit charge you a minimum F't1ANCE CHARGE of $200 for any bang period lit whkh Periodic Fiance Charles of less Man $2hM would otherwise be Imposed. Annual Fee. r yourAcoort him an annual ke, dT wig be billed al Om beginning of each anniversary, year your Account h gxat. The amount of Me fee wears on low stalem nt when the fee is bled The amull fee is not n al urdahle unless you nol/y us Thal you wish bdose your Account within 30 days of the mailing or dQtiVery dale of The slatement on which the tee is billed Yw will receive hs refund even f you use yair Carl closing That period. periodic FiNo" awliges. we sort Join, transactions ire groups of p urdlasrs, cash advances, and balance banters and Mm further sot the transactions titift each group by their AnnutalPeaatage Rate. For ehrample, purchases sd* d to a promotional rate and purchases sulyed to a star dart rate would be separate groups. We refer to those grails as transaction categories. At the end of each bilk period, we compete balances andP eriodc Fhwe Charges for each day of he billing period la each transaction cMgory. We use ? hue tollomig equation to cerrpule Periodic Fm vice Charges for each transaction cwa.eearl (Average Daily Balers-) tirm s; (days, in brag period) limes (Daly periodic flak} You ?hce Charge Summary on your hitting statenerd for lose annuls. Then we add up [be Pefodre Finance Carges for eurh Iran action category to get the load Periose Flnoism CImiges tie your AoovA The Average Daly Balance Is showst as zero if, because of the grace pecod, no Periodic France Charges apply in the balance in a transaAak+x[egoy The Daly Periodic Rude is Mitt of Ma cwespmdvVArnual Percentage Rate. We use Itte Average Daily, Balance (mdudng new bonsadbns) method of taknlairg he balance upon which hue impose Periodic finance Changes. We cmpute the Average Daily category, by adding rp all the daily balances in a tilsg period low a transaction category and &Adng the lofal by the number of days in the. biRwg period. We compute 69 daily balance for each transaction catoloryr on each day by list adding the brewing to the pmvrws day's daffy balance. hamaclions with a Transaction Date of that day as Mom on your burg statarehrl, unless tie transaction is posted so yew Account after the close of the biting period in wtich h occurs, in which case the transaction will be added to rise d* balance as of ht, baday of the lift period in which it Is posted to your Account fees charged that day and Periodic Finance Chagas accrued an the previous day's daily bounce; and by fen 3obtradag any aoyb and payments dial are applied against tie balance the Irarnaclio n category an Ithal trey- In talc lafng Me day Wanae V the Rd day of to b&q period. we consider die 'pevic us day's daily balance' to hate been your balance for each hnnsection odegory on fie test day of year previous bilimh period. Al fees c haiged loyo rAccou t are added to he slandaid purchase 11a15adta1l ralegay wit the exception of Cash Advance Transaction Fee Frame Charges vAmhk as added to to applicable cast; advance transaction category and Balance Translet Transactions Fee France Charges wliah are added to the applicable balance transfer transacdon category. for TOD (Jdeeomm ounkaliams Device for the Deal) assistance, plum call 1.601447.7449. Discover mail, monitor ardlar record telephone calk between you and Discover representatves W quality assurance purposes. G2010 The Otswrerr card is issued by Discover Bank Member FDIC . SCO210 DISCOVER iI It pays 10 LEEANN BROWN E - Account number ending in 1856 r ?) ISCOVR? putge 2 of 2 Finance Charge Summary L NU Othof Average A ANNUAL ANNUAL ANNUAL Padodre Fe e Daily current billing period: 28 days B nces periodc i Roles PERCENTAGE RATES _ PERCBJTAGE RATES EINAN(? CFMRGES F*4ANCE CHARGES Purchases $852.64 0.08216% 29.99% V 29.99% $19.62 $0 Can Advances _ 9 e $7.99? . -- V = Variable Rate Information For You This month, the featured Coshback Bonus{R) Redemption Partner is Bed Bath & Beyond(R). Redeem $20 Coshbock Bonus for a $25 Bed Both & Bayond gift card. See the entire year's worth of expenses. The year and summary can streamline the way you manage your expenses by showing you every transaction on your Discover Card account throughout the calendar year Online you'll see 16 total amount of all your transactions, including payments, purchases, and credits. Go to Disrover.com/summary today! Go paperless and make your account information more secure with password-protectsd statements only you cart access. Learn more at discover.com/paperless. 9322205 Questions? Visit www.Discover.com or call 1-800-DISCOVER I1-800-347-2683). DISCOVER DISCOVER New Balance `Minimum Payment Due Account Number ending in 1856 $2,769.05 1_U2&0__ Enter Amount EnckxedBelow Payment Due Date $ [ May 12, 2010 Pay online at www.Discovar.com or make check payable to Discover Phone and Internet payments must be made by 5:00pm ET for same 17 SWN6A01 0004329 day posting. LEEANN BROWN Access and manage your accmint at 1234 BENT CREEK BLVD +?.Discover.corn orvisit m.cliscovercom on your mobile phone. MECHANICSBURG PA 17050-1859 -- PO BOX 71084 IIItullauu111nr1u1a11 (CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? Go to www 1anltllarlnalallnrlstltln+Il11atrinlttinI 1 nlnlultln11 0scovercom or print change in space above. 000001986458515494090027690500050000008200 Opening Date: March 18, 2010 dosing Date: April 17, 2010 Discover More Card Account Summary Account number ending in 1856 Previous Balance $694.99 Payments And Credits 50.00 Purchases + 2,067.62 Balance Transfers + 0.00 Cash Advances + 0.00 Finance Charges + 56.44 Othar fees t + 0.00 New Balance T 2,769.05 See Finance Charge Summary section following transactions for detailed APR information Crack line $8,300.00 CredfT Line Available $5,530.00 Cash Advance Credit line $4,200.00 Cash Advance Credit line Available $4,200.00 You may be able to avoid Periodic Finance Charges, see the reverse side for details. tSee transaction detail for a description of any fees charged. Cashtwck Bonuse Anniversary Month February Opening Coshback Bonus Balance $ 10.72 New Cauhback Bonus This Partad + 5.16 Cashback Bonus Balance $ 15.88 To tmm more, log in d www.Discovor.corn and select Rewards page 1 of 2 Payment Information New Balance $2,769.05 Minimum Payment No $82,00 Payment Due Dale May 12, 2010 Late Payment Waming: If we do not receive your minimum payment by the dote listed above, you may have to pay a tale fee of up to $39.00 and your purchase APRs for new tronsadiorts may be increased up to the Default APR of 29.99% variable. Minimum Payment Warning: If you make only the minimum payment each periacl you will pay more in interest and it will take you longer to pay off your balance. For example: IL1"a YiSfPay riff- v7111 e8c1.` AWN af? rA I e +p?ra t Ad Rr , LtYfdi+icf`k>fE'i?'s?i Only the minimum 17 years $9,455 payment $118 3 years 4,231 (savings = $5,22.1 IF you would like information about credit counseling services, call 1-800347.1121 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1 Access your account securely of www.Disc4ovor.com Access free online tools like Paydown Planner to create a plan 2. Cal "O&DISCOYER (1.800.347-2683)) to pay down your botance, securely access statements, pay please have your Discover'* cord available. bills online and easily track all tratowdions 3. Write to us of Discover, PO Box 30943, Make your money worth morass-find easy ways to earn Sob Lake City, UT 8A 130 and redeem cash rewards For TDD (felecommunications Device for the Deal) NEWT Access your account securely through your aaass, ftc?egplease call 1.800347.7A49_ mobile phone Transactions Trans. Post Date Date Payments and Credits Mar 29 Mar 29 PAYMENT THANK YOU $ .50,00 Merel""so Mar 25 Mar 25 TARGET MECHANICSBURGPA 73.48 Apr I 1 Apr 1 1 SHOPPEROISCOUNT.COM 8 00 8 8 9-8 776 CT 12.00 Automotive Mar 26 Mar 26 AUTO FIRST MECHANICSBURGPA 1,850.00 Services Apr 13 Apr 13 PAYPAL sFIOYD NUTRI A02-935-7733 CA 40.00 See reverse'i`e DISCOVER 4nporkant Wamatiac t there K ante than am page to this billing slaters ant, see the back of each page krad6tiarhal impadant btaht orlon. o See your CardrrearberAgreemenL Your CaninemberAgneem eal contaris all the tarns Of your Account i Lost or stolen ards. Report irrmedialAyl Cal 1-800-347.2882. n 0 BMhV RION Srmanry. h Case of Enous or QuesfcosAbc of Your Bil: 9 you think your bil Is wrong, or t you rheod more information about a barhsactVa on your bill. Wide to us on a separate sheet of paper at Discover, PO Bout 30421, Sap Lake Oly. UT 84130 QI. as soon as possible. We roml hear from you no later than 60 days after we sent you #w first bil o an rdich the ma or pmt/em appeared. You can telephone as. but d0ing so 0 ad preserve your rights. In your letter. give us the Uawing information: a Your name and Account mantis. AWj The dollar ancenl of In suspected error. Drsabe Ma am and enplaih, d you can, why you believe them is an area. If you need more information. describe the item you are unsure about. You do not have to pay a" amount in question while vv ate in5es6paLng. lad you are still drDgaled b pay the parts of yew bill Gnat are mil n question. White w! investigate your question, we cannot reW Vout as defnquent or We any action to collect The amount you geestfon. Special Rude 1eCredd Card Purcl aisar. If you have a prohkN Wlh ft qually of goads or services to you purchased with a crock! card. and you hem tried in, goad loch to cihrw Ilia problem vA the raerdhard, you may not have to pay the remaining amoral due an Via goods or surd es. You have this protection orgy afar) the pudhaseprice was more than W and that purchase sines mode it your tame slate or within 10a oils of your mating at est. (if wa orm of operate the meMtaN. or 0 we mailed you the aden6smnw for the gook a saviors, all purchases we aimed repilless of Ilse amounl or localm of purctata.) Payments. Send on y your Instrument and the lop portion of his datemerd in the envelope provided. Do riot send cash. By sending your check as described above, you authorize us to wire rdormagrn on your check to make an electronic kid transfer ban your account al Ike financial but lotion Indicated on your check or to process the payment as a clock konsachon. Ipaynrnd is prooessed m an electronic kind tmtvfar, the #&war wil be far the amount of Iva check. NRhen ore use kdamatan Dam you, died to make an eiectrirtie kid transfer. Inds racy be ~a m rim your acaara as soon as the same day we mature your payrneN, and you wit not receive your check beck Am gar finardal Inalul'ron. The processing of your payment trey be delayed if you send cash. arrespo dente a other items vAh your payment, It you send the payment to any other address or if you use are envelope other than tie she provided. P*m is received h proper form of an processing tacitly by 5PM brat Trite on any day wil be erednled to your Account aw of that day. Paymelift received at our timessing kltily, aft 51M local lint rtil be aedtld to yourAccaad as of the nerd day. If you have misplaced your envelope, sad your payuhem to Discover, PO Rea 6103. yard Stream. R 60197-6101 please "7-t0 days for ddYdy. If your payment is returned unpaid, we reserve the right to resubm] l as an elecWric debit. You can pay you minrnum payment a a greater amount overl1w telephone. and you can set up automatic payvite nt9. Cap us at 14M347-MM. You will used this statement ant your bark account rdorneaoL You wit ensure that suiderd.funds are evetabla in your bw* account. and al transactions must armfty wpb U.S. W. You vii be asked to provide the list 5dig'els of yaw account slavered 21P code. By entering those numbers as your electronic signature, you will be agreraug to his authorization b aar us and your hank to deduct each payreN you estrum team your bank account, and ti inigage debt or credit murkier; In your hank accaml, as applicable. to cones an erroOn rte processing of such payment Ybu nhrst Id us Be amount of each payment of your an select an amount such as the kammhm Payment Due a the New Balance on each stalemisr. You can cancel a payment,, however we mast termite voice at law three buslaess days in adtaucs of the ebadulad payment. You may no* us by phone at I $W347-2663 or by mail at (he address listed in lire positions paragraph 8 yaw payments vary in amowl, we YO fell you m each mfithFy statement Mien your paytienl will he made and how muds it Will be Your automatic payment amaunl may be kiss than unlit on the monthly slalennent based on creft at payments atpled dudrg the b&ng cycle. Ctedd Repoding. We asq report i krawion about your Account b c" beueas. Late paymdhk. missed payments, or other delaups on yourAccount may, be re0ecled in your nedt report YYe nonsdy report the status and payment h'stay of your Account to creckl reporting agencies each month. if you beieve got an report is inauxanale aIncomplete, please wsile us of the following address: Discover, PO Bar 15316, Wdmi gtorx DE 198%5316. Please Inckide your name, address, hone bel phone narnber and Account number. Grace Period on Fvwcrrdrasees (al bast 25 days). We begin to lrtpnse Periodic Hence Charges on all transactions from the Transaction tale for the transacted shown at your biting sktente nl mess a ransa6m is posted to your Arrant after this close of the bilig period in which it occurs. in which case we begin to Impose Pertockc Finance Charges at tot transaction from the OW day of Be biig period In which If is posted to your Account. We continua to impose Periodic Finance Charges erbt the data you pay your ontro Now Balance shown on your big seterrred by ma13g paymenp or receiving craft. However, ifyou paid the New Balance on your previous bWM statement by the Paynot Due Date sham on pal bifshg sfaeermant, vie, vA not motile Periodic Fireman Charges on new purchases, That is, purchases first appearing on tie cuffed tiling statement. or arty ppoodr1blonm of a new purchase, paid by the Payment Due Dabs on your erred billing statement Vie call this the `grace period. There k no grace pe&d on balance kansfm a cash advwwm As more bly dasd>thedia Be section of yaw fardmmnberAgreem ant fled liawWe Apply Payments,'ve generally apply payments to yourAocoum based on OmAwuaai Pacerilve Rate applicable to h bum of each Irarma*n category. This mum tux t you do not pray the New Balance on the current bilrhg statement by #It- Payment Due Dale shows on that biting sWe ment, dm deparding on the amount of your payinenland proMwal Percentage Rates on other bahapces, you nay riot gel a grace period on new purchases. Minlmu s Finance Charge. WIL M citago you a minima m FINANCE CHARGE of $2.00 for any biting period in which Periodic Finance Charges of lass than $2.00 world otherwise be imposed. Annual Fee, t your Attiutlos an enistal fee, it will be Mind at to begiuling death anniversary year ynw Account is opert. The amount of rte fee appears on gas stalemerd Wien do Ice's filled. The aratual fee is col rarpndahba unless you notly us tq_t you wish to close your Account within 30 days at he mailing or defoery date of the slatemmt on which Inca fears Woad. Your will receive his relend even if you use your Card drift Oral pedoif. Periodic Pamee Charges. We sod your transactions into groups of purchases, cash advances, and blots transfers and then Whet sod the transactions whin each group by their Annual Percentage Bala. Forammpia, padLases sutyeu to a pl roolionai rate and purchases sub(rd to a standard Tale vanld be separate groups. We «der to these groups as transaction categories, At the mud d eadh biinif period wecomptde balances and Periodic Finance Charges for each day of line hitting period tar each transaction category. We use Ne knlowg epa6m to cormpete Periodic Finance Charges breach transaction category: (Average Daly Balance) apes (days in biting period) ('ones (Dally Periodic Rate). RMAt You m ?ha Charge Summary -in gar billing stalemed for these erAOirds. Than we add iP the Periodic Fnatco Charges for each transaction alegtayr to get the total Periodic Frame Charges for yorAcco it. The Average Daily Balance IS shown as zero if, because of the grace period, our Periodic Finance Charges apply In the bolonce in a transaction cobegay. TheDaily Padodc Rate is Mitt of the carespondngAnnual Percentage Rate. We use tatAmage Dail! Brknwa fndhdng new transactions) mend of pksdatig Nat balance upon which we impose Periodic Floana Charges. We conpnte Me Average, Daily Balance for each aarsaefou category by adding up all the daily bananas in a Filing period for a transaction calegay, and ultldng the total by the number W days in the biting e We compute on dailybalorm for each transaction category m each day by first addling the k4ving to the previous day's daily batana: tmnsac6ms «ith a Tfasection Dle of th . day as shorn no your big sta1anest, wilm ft harsad im Is posted l7 your Account after the dose of the loving period in which t occurs, in itch case Me transaction wil be added to the daily balance as at be lint day of the bung podod In W ft nth posted to your Account, lees dhahged Orel day and Periodic Finance Charges axnted on the previous days daily balance, and by then subtracting any credits and paymerts that are appled against he balance of the transaction category on that day, In cataatng the daffy balance nor the fast daye(the hiig period vie consider the `previous days daily bdarce'to have heap your balance lot each transaction category on the last day at your previous loping period. All fees charged to your Account are added to the standard purchase transaction category wgh ho euoeptioh of Cash Advance Transaction fee Finance Charges which me added to the appkcableea b attention, krahsacion category and BaWllceTiarsler iransocim Fee Finance Charges which are added to the atptcabie balance hamster transaction category. For TDO (Tetaciaaiuml It sir Device for the Deaf) assistance, please call 1.800-347-7449. Discover may modmr anYa named telephone cab between you and Discover representatives lot quality, assurance purposes. 02010 The Discoverer cad's Issued by Discover Sad, Member FDIC SCO210 r- DISCOVER It 1pri to IEEANN FROWN ? Account number ending in 1856 page 2 of 2 Transactions Turns. Post Date Date Services 4082229596ZNC Supermarkets Mar 18 Mar 18 GIANT FOOD 4005 MECHAN(CSBURGPA 92. 14 010043 Finance Charge Summary Nominal Other Average Daily ANNUAL ANNUAL Periodic fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE wrent billing period; 31 c g days 6aloncas gates RATES _ RATES - CHARGES CHARGES Purchases $2,216.06 0.08216% 29.99% Y 29.99% $56.A4 $0 Cash Advances $0 0.08216% 29.99% V 29.99% -W $0 V = Variable Rate Information For You This month, tW feaiered Cashback Bonus(R) Redemption Partner is Bed Both & Beyond(R). Redeem $20 Cashback Bonus for a $25 Bed Bath & Beyond gift card- Need Cash? Whether it's for an une>peded bill or an emergency car repair. Discover(R) Card can always help. Get cash at ATMs nationwide or hnve money deposiled directly into your bcmk account. Visit Discover.corn/cash to find out more. A Discover(R) gift card is an easy gift Mom will love. Personalize Mom's gift card with a name and message. Even get FREE shipping. Visit DiscoverGiftCard,corn to find Mom's favorite gift this year- After 12 months of consecutive inactivity, Discover will begin to assess a $2.50 monthly dormancy fee. [c)2010 Discover Bank, Member FDIC 9322205 Questions' visit www.Disccwer.com or call 1.800-DISCOVER (1.800-347-2683). DISC VER ER New Balance DISCOVER I Minimum Payment Due Account Number ending in 1856 $3,102.15 L $91.tHt Enter Amount Enclosed Below payment Due Date June 12, 2010 Pay online at www.Discover.com or make check payable to Discover Phone and internal 1 payments must be made by 5:00pm ET for some day posting. 17 SOSWAO 10004330 LEEANN BROWN Access and manage your account at 1234 BENT CREEK BLVD www.Diswver.com or visrl m.discover.com an your mobile phone. C NICSBURG PA 17050-1859 PO BOX 71084 11111 dill CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? 1 { 1fill { {{ {a{ { n11{1 n 1n { 1 it {1 u1 1 n ({ it Go to www.t)iAcover.com or print change in space above. n r in r rtr t r ,c rt 11 000001986458515494090031021500000000009100 Opening flute: Aprif 18, 2010 - Closing Date: May 17, 2010 Discover More Card Account Summary Account number ending in 1856 Previous Balance $2,769.05 Payments And Credits 82.00 Purchases + 342.12 Balance Transfers + 0.00 Cash Advances + 0.00 Finance Charges + 72.98 Other Fees t + 0.00 New Balance X3,102.15 See Finance Charge Summary section following transactions for detailed APR information Credit Line $8,300.00 Credit Tine Available $5,197.00 Cash Advance Credit Line $4,200.00 Cash Advance Credit Line Available $4,200.00 You may be able to ovoid Periodic Finance Charges, see the reverse side for details. tSee transaction detail for a description of any fees charged. CdSltiJgL1C BOnUS° Anniversary Month February Opening Cashbock Bonus Balance $ 15.88 New Cashback Boras This Period + 0.85 Cashback Bonus Aalance $ 16.73 T. learn more, rog in atwww.Discowr.com and .e6a Rawards page 1 of 2 Payment Information New Balance $3,102.15 Minimum Payment Due $91.00 Payment Due Date June 12, 2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a Into fee of up to $39.00 and your purchase APRs for new Iransactions may be increased up to the Default APR of 29.99% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: 4 §0:: . _; elltlatl'.cIt??f ,?i(L>?rttlfral?lrQ ?7 ??77rb p c ss?r,?i?,#i'atarl?erxf gsllma. .btsierl?gf ?? y -j4tlfrlOV ft.€'S'r-: In1i¢?oul _: Only the minimum 19 years $11,395 payment $132 3 years 4.740 {Savings = $6,655 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 of www.Discover.com Access free online tools like Poydown Planner to create a plan 2. Call 1-800-DISCOVER (1.800347-2683) to pay down your balance, securely access.stntements, pay l b l Please have your Discover®cord ava&Ue. i ls on ine and easily track all transactions 3. Write to us at Discover PO Box 30943, Make your money worth morel-find easy ways to cam Salt Lake City, UT 84130 and redeem cash swards For TDD (Telecommunications Device for the Deaq NEWT Access your account securely through your assistance , please call 1-800-347-7449. mobile phone Transactions Trans. Post Date Date Payments and Credits Apr 20 Apr 20 INTERNET PAYMENT THANK YOU $ -82.00 MwAundiso Apr 16 Apr 18 ROPERS/STEPHENSN FLWR 8005543363 PA 45.56 Apr 21 Apr 21 TARGET MECHANICSBURGPA 113.36 May 7 May 7 OLD NAVY ON-nNE BOO-OLDNAW OH 22-00 May 7 May 7 TARGET CARLISLE PA 37.32 May I I May 11 SHOPPERDISCOUNT.COM 800.889-8776 CT 12.00 See reverse side. DISCOVER ImportmRtrdoomatbn. N there is more than one page b this lift "rrrperit sea the back oteach page !oraddfional important mkvtnalion. See youCardrtrer ob"Ageenrreat.Your CardmemberAgreemeMcontains d the terms of your Account Lost or stolen cards. Report immediately! Cal 1.000.317.2663. Hitting Rights Summary. in Gale of bras or QuesbonsAbout Your Hilt Nyou ftk your bill is ionng, or if you need more infennahnn about a haurowtion on your bat, v b b us on a selwalesheet of paperal Oiscove , PO Box 30421, Sall LakeQly, UT 84130-M1, as soon as posscle. We must hear loom you ra later than 60 days ales Mc sett you the lost bill o on wfich IN error Of problem appeared. You tarn telephone, us. bout doing 2a vat not preserve your lights. In your left. give us the blowing btomnatiom w Yb r name andAccau i oaarlam Tbe dollar amount of the suspected erom Describe the error and eoplain. N yea can. My you believe tines is an emac If you need more informatmn, describe the item you are unsure about. You do not have to pay any amour In, ques6or+ vhtle we are imntOgairg, bug you we still *bigoted b pay the parts of your bill 0tat are not in Question While von imastigale your ques4ar. vm carrot report you as deinquent or take any ac&m to c olect the amount yon questm. Special Rude for Crete Card Ptrelwres: 9 you have apmbkmwih the wj* o1goods or services that you pnnchased with a as& card, and you have tried in good faith to correct the p robten vilh the merchant, you may rpl have to pay the renal ft arnouflf don m to goods or savicm You haye [his ptotecian oriyr 4a n the purchase price was amflo rh 550 and the purchase vas made in yews lame state or Agin 108 miss of your mailing address, (If vre own or operate the merdram, or t we mailed you the advertisement for the goods or serviom al pndrases are armed regardless of the aoronnt or location of purchase.) Paymeros. Send only your paymern sad the lop portion dThis statement in the envelops provided. Do net send cash. By sending your check as described above, your authorize us to use information on your check b brake an electronic fend kalrblor loom ymwaecoent at the financial insiktion indicated on yourdxck or b process the payment as a check kacsadnn. K payment is processed as an ekxlronic fund brander, the hanefet va be for tie arartd the dvdL When we use Wo rvankin kom year check to make an elttriadc kind harster, funds; may be wii hdram keen your amount as seen as the same day we receive your paymeal, and you VA nit remove your check back from your liouvie l institution. the paces" of yaw p%vnW may be delayed t you send cash, correspolkeme or otter Reaps with you payment. d you send the payment to any otter address Of if you use an envecpn other Raab the arts provided Payments received in proper form at our processing laady, by 5PM local lime on any day wit be credited to yaurAcmud of tut da y. Papnetis received at our processing facility after5PM local kmevA he credited to your Account as of the nod day. I you have and your payment to Discover, PO Bme6103. Card Stream, IL 80197$ t03. Please slow 7-10 days for doh a r you OM t ore. sand as very. If yea payment ? paid. wa e reserve the c i j to resuhnhrt A d as an n efs elecboncdehil. You can pay yaw soo nirro m paymen! or a greater aromwlt over the lelephone, and you can setup aura maac payments. Cal us at 1-600-347-2663. You wiI need toils statement and yew hank account inbrmalm You must onsura that wf leant Inds are availahb in your tarok account, and all transactions mustcontiy with U.S. law. You wit be asked to pmvdde or W 5 digits of your acco" statement ZIP CC40.13Y each you authorize Inn yew b auk accaml, saki tdoose o Wilateu debit or areal sdecbo* o nklas lo??m yen ? ? to , to sutra an of t r slow processing ad you bank to applicable deduct paymerd. You now rep us to am" death payment or you can select an an0nant such as pre Miniyour rtanm aPnt aceant, acre or the as r the New to ca Balance correct on an each slerrsanlemthe n n of camel a payment; however we must reca+v rholim at least three btninew days in advance lithe saiedukd ll or m can a payment You may rebfy us by phone at i-E00347-2683 or by y rood at the address Wad in the previous panagratlu, t your payments vary in amount, wevW let you an each monthly statement wken your papnerd will be made and her torch d sit be. Your aularrelw pays W amount may be Inns than indicated on the monthly statement based on credits or payments applied duthig the hing cycle. Credpl Reporting. We may report ihbmhaton about ywrAccant to creep bureaus. late payments, missed payments, or odors defw,ks an your Account maybe reflected in yew aedt report. We nomraly report the status and paymed listory of yew Account b as& mining agencies each month t you believe that out repel is ivamrase or incomydete, pbasa rib inn at the Inkw.kg address: Disarrer, PO Sax 15316, Wilrcirglon, BE 19850-5316. Plame Include yam now, address, home Wrophorrhe number and Account camber. Grace Period on Purchases (at least 25 days). We begin to krpase Periodic Finance Charges an all transactions loom the Transaction Dale for the nnsacitan sh m on your filing staleanenL mess a kansarAm is posted to your Account alter do close of the billing period its Oloch 0 cccrs, in which case vve begin ha loviom Pedo r Finance Chagos he that transaction ban the IN day of tole blrmg period in which ilia posted to yourAccount. We conlmee to ipose periodic Finance Charges unit ten dalo you pay your entire New Balance dityAn on yaw billing, stainuat by making payments orivoeivng rndibs. However. if you pail the New Balance on your pmvbea tiling statement by the Payment Due Dale shown on tfal filing statement war vill dui impose P (*& Finance Charges an new purchases, that is, purchases fist appearing an the asst tiling statement, or any portion of a mew muetrase. paid by the Payment Due Date on your current bhlij shodoe nil. We cap Mb the Vace period" Them is no gram period on balatea ironstones or msh advances. As mom fully dmodbed in the section of yrwr CadmrmberAgreruneM hfud'11wr We Apply Paymare,' we generally apply payments to yerrAccam[ based on pwAwnral Perrxshlage Rafe appkcada b the ha4mu:e of each mansadah category. Thin mom that 8 you do not pay the New Balance on fie amen hiig stalement by aka payment ohm Dale sham on that W M shalom* therm depending on the amount of your payment and tneAnaeh Percentage Rates an otter bafames, not et a you may fl grace period an rhewtarduses. Minhman Finance Charge. We vA charge you a mininsnh FINIMCE CHARGE of $2.00 for any biaing period in %Vch Periodic f kkaxe Charges of less than 52.00 vawN othernise be impasmd. Annual roe. t y urAccowd has an annual fee, it veil be Mod at the beginning of each ahhriVeswy yearn your Account is open. The amount of le fee appears on to statement when UMv fen Is billed The amral fee is nol refundable mmess you look us dal you wish b close your Account within 30 days of The totaling or d¢tivery dale of the stakmnt on which the fee is bled. You veil receive penis reload even if yew rose your Cad dhmg that perod. Periodic Ftnonce rflwges We sort your transactions tub groups of pardnamv, cash advances, and balance brasiers and then father sat the kansactias Mina each group by their Annual Percentage Rate. For errampte, purchases sL*d to a promotional fate and pksdusets subject to a standard Ate would be sepaale gawps, We refer to these groups as transaction categories. At pre end of alit billing period, we compete balances and Periodic Finance purges Its each day of the billing period breach transaction cabegay. We use die btbvkq equation b eomipute Periodic Finance Charges lor each Iransacom category: fAvorage Daily Balahcc) forms (days km bliug period) rnhes (0* Periodic Rake). Yoko aCharge Samhery on yon lolling analehrneli for these amounts. Then we add up to Pedo& Finance Chages far each kaksaction category b get the teat it nonce for ymrAceount. The AvMW Daffy Balanoels shown as zero ff, because of the grace period, no Periodic Finance Charges apply b the balance in a transaction eategohy. The Daly Plenudic Rate is U3CLStp of ft oarrespondngfinmkal Percentage Rate. We use 1 heAveragoo Daffy Batannee (Mala g row do sadiaha) method d calculstkg are balance upon wWh we impose Periods Finance Charges. Yve compete the Average Daily Balance for each aansacton caleguyby adding up all Ohe dally balances in a biumg period for a transaction category and dvcdng Ow teat by pie number of days in the 56cg period. We comp to the daily balance for each hansactim cafegay on each days by first adding the (dbmong b the previous day's daily bolas: Iraksacfvws wffh a Transaction Date of gum day as SI V Nm 00 year lilrmg statemcit, unless the transaction is posted to your Account after the time of hue blkag period in which it occurs, in Vnich case the transaction will be aided to the defy balance as of Ike Ikst dap of the bifng pslod in v"ch R Is posted to yewAocmem, lees charged that day and Pebdlf Rna¢e Changes accrued on the pevkws day's daily halsonw ad by plan shbdradkg any credits and payments that are sipped against the balance of the transaction category on that day. in cakrdating the dopy balance fa the kdsm day of Die billing period, are consider the'previous days daily balance' to have been you li lance for each trasactan category on ft last day of your previous toiling pried. Al fees charged to yaw Aocouul are added to the standard purchase traaxiav category with the exception of Cash Advance Transaction Fee Finance Chagas which are added to Via appkcade cash advance kawelan category and Halamrs'Gansfer Trarsackeh Fee Finance Charges vAich are added to the applicable balance transfer transaction category, For TDO (felecommunbcatmms Device For the Deaf) assistance. please call 1-601W17.7449. Discover may mordbr atwtorRaard birplone calla between you and Discoverrepresentatives for quality assumme purposes. (62010 The Discovers cad 6 issued by Discover Bank, Member FDIC SC0210 DISCOVER I trpoysto WEANN BROWN Account number ending in 1856 page 2 of 2 Transactions Trans. Post Date Data Gasoline Apr 26 Apr 26 GIANT FUEL 115 MECHANICSBURGPA 31.01 O100d9 May I May 1 0374 SHEETZ HARRISBURG PA _ 30.00 Services May 3 May 3 VESTA " AT&T PORTLAND OR 15.90 May 6 May 6 SFI•PHOTOSBYSHUTTERFEY 800-966-)065 CA 34.97 J04CK000OOOOPTSP Finance Charge Summary Nominal Other Average Daily ANNUAL ANNUAL Periodic Fee Daily current billing period: 30 days Balances Periodic Rotes PERCENTAGE RATES _ PERCENTAGE RATES FINANCE CHARGES FINANCE CHARGES Purdwses $2,960.86 0.08216% 29.99% V 29.99% $72.98 $0 Cash Advances $0 0.08216% 29.99% V 29.99% $0 $0 V = Variable Rate Information For You Safeguard your kh"ily. Identity Theft Protection provides daily 3-bureau credit reports monitoring and alerts you of key changes that may help you identify potential fraud. Visit Discover.com/idenlily1hoRprotedion to learn more or to enroll. Need Ca3h6 Whether it's for an unexpected bill or an emergency car repair. Discovedl?) Card can always help. Get cash at ATMs nationwide or have money deposited directly into your bank account. Visit Dhscover.com/cash to find out more. Discover(R) gift cards are easy gifts Dads and Grads love. Add a personal touch wilh a matching gift card and gteeting card combo. Even save $2 with promo code GIFT2 at DiscoverGifrCard.com through 6/30/10. After 12 months of consecutive inadivrty, Discover will begin to assess at $2.50 monthly dormancy fee. 9322205 Questions? Visit wwwDiscovercom or call 1-800-DISCOVER (1-800-347-2683). DISCOVER DIN ow Balance i S COVE ! Minimum Payment Due ? Account Number endiV iin 1856 R $4,559.02 $134.00 Enter Amount EncIcsed below Payment Due Date $ -? July 12, 2010 Pay online at www.Disaover or make check = payable to Discover. 1'frone acrd infernal payments must be made by 5-00pm ET for same day pasfinu. 17 SDSN6A01 0004331 LEEANN BROWN Access and manage yauraceount at www.Discover.com or visilt rn.uTrscover.com 1234 BENT CREEK BLVD on your mobile phone. MECHANICSBURG PA 17050-185 9 PO BOX 71084 liiisiiiursnfliur(rriri? CHARLOTTE NC 28272-1084 Address, e-mail or telephone changeg In11Iln1nulu111,dn,1,luu1111111111ir,6ulirrlrrlloll 11111 Go to www.i)luovor.coni or print change in space above. 000001986458515494090045590200000000013400 Opening Date: May 18, 2010 - Closing Date: June 17, 2010 Discover More Card Account Summary Account number ending in 1856 Previous Balance $3,102.15 Payments And Credits 91.00 Purchases + 61.06 Balance Transfers + 0-00 Cash Advances + 1,350.00 Interest Charged + 96.31 Fees Charged + 40.50 New Balance $4,559.02 See Interest Charge Calculation section following transactions for detailed APR Information Credit Line $8,300.00 Credit Line Available $3,740.00 Cash Advance Credit Line $4,200.00 Cash Advance Credit Line Available $2,850.00 You may be able to avoid Interest Charges, sae Additional Important Information for details. Cashback Bonuse Ann iversory Month February Opening Cashback Bonus Balance $ 16.73 New Cashback Bonus This Period + 0.15 Cashimck Bonus Balance $ 16.88 T. team more, log L -v www. Discover eom page 1 of 2 Payment Information New Balance $4,559.02 Minimum Paymonl Due $134.00 Payment Due Date July 12, 2010 Late Payment Warning: If we do not receive your minimum payment by the dole listed above, you may "a to pay a Iota fee of up to $39.00 and your purchase APRs for new transactions may be increased up to the Peaahy APR of 29.99% variablo. Minimum Payment Warning: If you make aalythe minimum payment each period, you will pay more in Warest and R will take you longer to pay off your balance- For example: -194140- a .5 .T V; If you would like information about credit counseling services, tail 1-800-347-1121 - U?:u;?,-' F•. ".$sk" '' f!lB;:?!?t^:.-..?vr 'lrjb• 3- - . j a ?: 4 Only the minimum 25 years $20,581 payment $144 3 years 6,966 avings = S 13,6 15 ) Salt Lake City, U7 84130 (Nil a payment address) and redeem m monocashY awards °OSY ways 9322205 Transactions 3 Easy Ways to Contact Us Manage Your Account Online at www.Dis<over.com 1 Access your account securely at www.Discover.com Access free online toils like Paydown f'lanrrurr to creole a pion 2. CUB 1-800-DISCOVER (1-800-347.2683 Please have your Discovers card availab e. to down your balance, securely access statements, pay bit s online and easil track all Iransacl-rows 3. Write to us at Discover; PO Box 30943, y Make worth morel-trod to earn For payments, please send to address on remittance or Discover. PO Box 6103, Carol Stream, !L 60197.6103 NEW I Access your account securely through your for TDD (Telecommunications Device for the Deaf) mobile phone assistance, please call 1-800.347-7449. Trans. Post Onto Dote Payments and Credits May 18 May 18 INTERNET PAYMENT THANK YOU $ _91,00 Merchandise Jun 11 Jun 11 SHOPPERDISCOUNT.COM 800-889-8776 CT S 12.00 Services Jun 13 Jun 13 SFl•PHOTC!58YSHl1rTERFLY 800-986•1065 CA 49.06 XAFRKOOOOOOOPTSf Cash Advances Jun 2 tun 2 CASH ADVANCE CHECK 4029A USA 1,350.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER C20)0 Dk- Bank, Member FDIC PAPERM 10 Transactions (cant. Trans. Post Data Wa fees Jun 2 Jun 2 CASH ADVANCE FEE 40.50 TOTAL FEES FOR THIS PERIOD 40.50 Intarest Charged INTEREST CHARGE ON PURCHASES S 77.42 -MEREST CHARGE ON CASH ADVANCES 18.39 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL *M3 M FOR THIS PERIOD 96.31 2010 Totals Year-to-Date 9322205 TOTAL FEES CHARGED IN 2010 S 118.50 TOTAL INTEREST CHARGED 1N 2010 340,03 Questions? Visit www,Disoover wm or DISCOVER call 1-800-DISCOVER (1-800-347-2683). 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 avo&A-Ae rather than wail 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.ccan/poperlem Cn Cn Z D 0 P A DISCOVER l i p ays to LEEANN BROWN Account number ending in 1856 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 SUI JECT TO INTEREST CHARGE Purchases 29.99% V $3,059.20 $77.92 Cash Advances 29.99% V $722.12 $18.39 V = Variable Rate Additional Important Information -J _- - See your Cordmembsr' Agreement. Your Cardmember A9raemanl contains all the terms of your Account. Lost or stolen cards. Report immedialelyl Call I-80(1-347.2683. What To Do If You Yhink You Find A M;stake On Your Statement If you think there is an error on your statement, write to us al: Discover. PO Box 30421, Salt Lake City, UT 84 1 30-042 1 In your letter give us die following information: • Account information: Your name and account number Dollar amount- The dollar amount of the suspected error. Desert ?ion of Problem: If you think there is an error on your bill, describe what you-believe Iswrong and why you believe it rs a mtala 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 on error, the following are true: We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question ma remaln on your statement, and we may continue to charge you interest on that amount- But, if we determine that we= 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 R' is N You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1 The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more Than $50. JNote: Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services.) 2. You most have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card accounf do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above qio met and you are still dissatisfied with the purchase, contact us in wrRina ah Discover PO Sox 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 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 ppaayy all or part of your Account balance at any time. However, you must pay of least the Minimum Payment Due by the Payrrsent Due Date_ Serrcl only fnt.a ur payment a nd the tp portiof this statement in the envelope secandics described above, u autorize us to use information on your check nd frnyr acat ficial instion indicated on your check or to process the ays heck nsactionIF pa mis ped as an electronic fund transfer, the transfer will be for the amount of The check. When we use information from your check to mote an electronic fund transfer, funds may be withdrawn from your account as soon as the soma 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 sand the payment to any other address or if you use an envelope other than the one provided. Payments received in proper farm of our processing facility byy 5PM local lime on any will be credited to your Account as of that day. Payments received of our processing facfliiy alter 5PM local time will fie credited to your Account as of the next day. if your have misplaced your envelope, send your payment to Discover PO Box 6103 Carol Stream, IL 60 1 97-6 1 03. Phase allow 710 rays for delivery. IF yaw payment is returned unpaid, we reserve the right to resubmit it as an electronic de6il. You can pay your scheduled monthly payment or a renter amount that does not exceed your current Account balance over the telephone or you can setup automatic payments through a customer service representative by calling 1-800347-2683. Automatic payments wig be deducted on the Payment Due Dote unless yar request a payment dale that occurs before your Payment Due Dote IF your scheduled payment data Falls on a weekend or bank fwliday, your payment wl be processed the business day priot io the weekend or bank holiday. In order to schedule monthly pa meats to eI phone, you will need this statement and your bank account information. You will be asked to provide the last tour (4) digits ofthe social-security, number of the pnmary borrower- By providing those numbers as your electronic signahrre, you will be agreeing to this audrorizotion to allow us and your bank to deduct each payment you authorizo, in the amount selected by you, from your bank accoenf. You also auhorize us to inifiale debit or credit entries to your bank account, as applicable, to correct an error in the proceuing of such payment. You can rnneel a scheduled paymen! by phone of 1-8003472683 or by mail at Discover, PO Box 30d21, Salt Lake Cily, UT 84130 0421; however we must receive notice at least three business days in advance of Ilhe scheduled payment. If your payments may vary in amount, we will tell you on each monthly statement when l 6e, made and how much it will be. You must ensure that sufficient funds are available in your bank all transactions musf compply with U.S. Taw. If your scheduled pa antis not enough to cover the Minimum Payment Due as listed on your monthly billing statement, you wig 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 Cardmembor Agreement. Your automatic paymenF amount may ?e 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 fig-in the Following blanks below and retain the authorization far your records. Amount: ? Fug Pay ? Min Pay ? Min Pay + $ Bank Routing #: : Bank Account #: Frequency: NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC OVER Credit Reporting We may report information about your Account to credit bureaus- Late payments, missed payments, or other defauUs on you Account mayerrct Ise reflected in your credit repot. Wen«mally reprut the status and payment history o its your Account fo Credit reporting ages aodr month. If v believe that avr repot} is rnaccurole or incomplete, please wri us at the following address: Discover, PO Box 15316, rlmington, DE 19850.5316. Please indicate your name, address, home tetephorre number and Account number. Payergg k?gersst. We begin to impose interest charges on a transaction, lee or interest charge from the day we add it to the daily brstarrce. We continue to impose interest charges until you pay the total amount you owe us_ You can avoid Payina How to Avoid Paving Interest on Purchases ("Grace Period") IF paid rye Now Balance on your previous tilling statement by the Payment Due Date shown on that billing statement, we wr 1 not fmp a interest charges on new Purchases «ant portion of a now Purchase, paid by the Payment Due Date an your current bil ling statement. New Purchases are Purchases that first appear on the current billing statement. How We Apply Payments May Impact Your Grace Period you not pay your New Balance in Full each month, then, depending on the balance to which vie apply your poymant, you may not get a grace period on now Purchases. New We Calculate Interest Charges Oady,flalance Method ('including current transactions): We calculate interest charges each billing period by first figuring The "daily balance" for each Transaction Category. Transaction Coteg«ies include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers. Haw We figan the Doily Balance for Each Transaction Category We start with 16e beginning balar:co for each toy. The beginning balance for the first day of the billing period is your balance on the 1 day of yow previous billing period We add arty 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 fiat day of the billing period in which ilae transaction or fee posted to your Account. We subtract any new credits and pa rnrents. We make other adjustments (inclucOM those adjustments required in the "Paying interest" sedion). How We fyure Your Total Interest Charges We K.Aply the dolly balance for each Transaction Category by its daily periodic rate. We do this for each day in the billirr I 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 ks&k6 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 a1f other fees to the standard Purchase Transaction Category- Balance Subject to Inlarrssl Rate. Your stalsmont shows a Balance Subjed to Interest Rote. It shows this for each transaction category- The Balance Subjedi.lo 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 moke charges against this amount if your Account is xrn. We will send yc a refund of any remaining balance of S 1.00 or more after 6 months, or as otherwise required by apphcalsla taw. For TDD (Te6cornownicalions Dovko for lho Deaf) assistance, please call 1.800347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives For quality assurance purposes. The Discover'Dcard is issued by Discover dank, Member FDIC OI TRK 1 B2 Information For You This month, the lr+atured Cashbock Bonus(R) Redemption Partner is fled Bath & Beyond(R). Redeem $20 Cashback Bonus for a $25 Bed Bath & Beyond gift card. Identity Thek Protection provides daily 3-bureau as& file monitoring and alerts you of key changes that may help you identify potential fraud. Visit Discover.corn/idartitAhehprotedion or cuff 1-866-515-5302 to learn more or to enroll. Discovm's Wallet Protection helps notify card issuers & monitors your credit activity for 90 days if your wallet is lost/stolen. Visit Discover.com/wallefprolection or cad 1-877-623-8014 to learn more or to enroll. 9322205 QuesttonS? Visit www.Discavw.com or DISCOVER call 1-800-DISCOVER (1.800-34"1=2683). F New Balance I?I Minimum Payment Due Account Number ending in 1836 DISCOVEK $4,771.53 i 140.00 Enter Amount Enclosed Below Payment Due Data August 12, 2010 Pay online at www.Discover.com or make check payable to Discover. Phone and interne payments must be made by 5:00pm ET for same day posting. 17 SDSN6A01 OOD4332 LEEANN BROWN Access and manage your account at www.Discover.com or visR m.discovercom 1234 BENT CREEK BLVD on your mobile phone. _ NECHANICSBURO PA 17050-1859 PO BOX 71084 Ill+nllurrnlllurlrrl+ll CHARLOTTE NC 28272-1064 Go Address, e-mail or telephone change? print int change in space above (n1rllnlrl+111111114111lrulll111111 J1 tlrrlltt?rrli 11111111 . 000001986458515494090047715300000000014000 Opening Dale: June 18, 2010 - Closing Date: July 17, 2010 Discover More Card Account Summary Account number ending in 1856 Previous Balance $4,559.02 Payments And Credits 134.00 Purchases + 232.05 Bakwe Transfers + 0.00 Cash Advances + 0.00 Weresl Charged + 114A6 Fees Charged + 0.00 See Interest Charge Calculation section following transactions for detailed APR information Credit Line $8,300.00 Credit Line Available $3,528.00 Cash Advance Credit Line $4,200.00 Cash Advance Credit Line Available $2,850.00 You may be able to avoid Interest Charges, see Additional Important information for details. Cash6xk BonuSe Anniversary Month February Opening Cashback Bonus Balance $ 16.88 Now Cashback Bonus This Period + 0.57 Qmhback Bonus Bakrmas - $ 17.45 To tewn ,more, Fog in al www.Discoverxom page 1 of 2 Payment Information New Balance $4,771.53 Minimum Payment Due $1.40.00 Payment Due Date August 12, 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 PetwNy APR of 29.99% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: f?4?tfit?ls4?t 1F°?? ?Sp?9? ?tir:XtI11 b7td:. .: ffSf+1]grifil Bfklftes the ba15r c sfie+ '1A?q gh ' ?? j:?dfotaE.ok ; ?1?+?f?1??} og;llllit?!?POt?_F ; CtCt tTi9l8FF!.PY tiYolxoul Only the minimum 26 years $21,947 payment $203 3 years 7,292 Savings = $14,655 ) If you would like information about credit counseling services, call 1-800-347-1 121 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com I Aocess your account securely of www.Discover.com 2. Call 1-800-DISCOVER (1$00.347-2683 Please have your Discovere card available. . Access free online took like Paydown Planner to create a plan to y down your balance, securely access statements, pay billpas online and easily track all transactions 3. Write to us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Nol a payment address) • Make your money worth moresM-find easy ways to earn For payments, please send to address on remittance or and redeem cash rewards Discover. PO Box 6103, Carol Stream, IL 60197-6103 NEWI Access your account securely through your For TDD (Telecommunications Device for the Deaf} mobile phone assistance, please call 1-800347.7449. Transactions Trans. Post Data Dale Payrnonts and Credos Jun 24 Jun 24 INTERNET PAYMENT THANK YOU $ 134.00 Merchandise Jun 28 Jun 28 AVP"AVON PRODUCTS YAN 513551.2666 DE $ 52.04 JL3012I A78100 Jun 29 Jun 29 BARNES 8 NOBLE #2046 HARRISBURG PA 37.04 Jul 5 Jul 5 WAL-MART SC 4J1886 MECHANICSBURGPA 44.57 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 ai Discover.com/poperless 42010 Discover Doak, M.inber f01C Transactio s cn ° n Trans, tort W {cont.} Data PC" o 0 Men handise Jul 1 I Jul 11 SHOPPERDISCOUNT.COM 804889-8776 CT . 1200 0 Gasoline Jun 27 Jun 27 SUNOCO HARRISBURG PA 45.00 N Services Jun 27 Jun 27 VESTA ' AT&T 866-6083007 OR 1590 Jul 1 Jul 1 CLEVE J FREDRICKSEN IJBR CAMP HILL PA 25.50 Fees TOTAL FEES FOR THIS PERIOD s 0.00 Inierest (]raryed INTEREST CHARGE ON PURCHASES $ 80.49 INTEREST CHARGE ON CASH ADVANCES 33.97 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL *MREST FOR THIS PERIOD 114.46 2010 Totals Year-to-Date TOTAL FEES CHARGED IN 2010 11850 TOTAL INTEREST CHARGED IN 2010 454.49 9322205 -Questions? Visit www.DisOver.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER DISCOVER LEEANN Itprrysro BROWN i ?_? _j Account number ending in 1856 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest tote on your account. Current Billing Period: 30 days TYRE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO ]INTEREST CHARGE RATE R) INIEREM KAR: Purchases 29.99% V $3,265.63 580,49 Cash Advances 29.99% V $1,378.24 $33.97 V = Variable Rate Additional Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Accounf. Last or stolen cards. Report immediately! Call 1-800-347-2683, WAot ro Do If You Thlrrk You Find A Mistake Orr Four Staternent If you think there is an error onyour statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84 1 34042 1 In your teller, give us the Following information: Account information: Your name and account number • Dofiar amount: The dollar amount of the suspecled error. VITcrMn of Problem: tFyou thinkthere is an error on your bill, describe what you believe is wrong and why you believe a mists , You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential orrorsin writing. You mayy call us, but if you do we are rx>T required to irrvestigale any potential errors and you may have b pay t e amount in question- While we investigate whether or not there has been an error, the following are true: We cannot try b tolled the amount in question, or report you cis 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 delermme 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 hove to pay the amount in question, yyou are responsible for the ramai rider of your balance. • We can apply any unpaid amount against your credit fimif. Your Rights If You Are Dissatisfied WI& Your Credif Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried !n good faith for 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 hove been made in your home stale or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit cord account do not qualify. 3. You must not yet have fully paid for the purchase. If atl of The criteria above are met and you are still ch"atisfied-wvdh the purchase, contact us in writing at: Discover PO Box 30945, Salt Lake City, UT 84 1 3 0-094 5 While we irwestigole, 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. Iseymenh. You may pay all or p 16 of your Accounf balance al any time. However, you must pay at least the Minimum Payment Due by the Peryrrrent Due Date. Send only y our payment and the top portion of this statement in the envelope provided. 0-o not send cash. By sendir>q your check as described above, you authorize us to use information on your check Fo make on electronic Fund transfer ham your account at The financial instiiulion indicated on your check or for process the payment as a check Transaction. IF payment is processed as an electronic fund frans{er, the transfer will be for the amount of e dsack. Wfren we use information ham your check to make an electronic fund tronsfer, funds may be withdrawn from your account as an as the same day we receive your payment, and you win not receive your check back from your financial instAulion. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send die payment to a other address or if you use an erwetope other than the one provided. Payments received in per form of our processing Facility 5PM local time on airy will be credited to your Account as of That dcsy. Payments received at our processing Faeili after 5PM local time wiN a cradiied for your Accounf as of fha next day, 1f you hove misplaced your envelope, sand your payment to Discover PO Box b 103 Carol Straam, IL 60147-b 103. Please a!!ow 7 10 days for defiy°very. lFyour payment is returned unpaid, vie reserve the rig?tt to resubmit it as an elechonic debit. You can pay your scheduled monthly payment or a! or atamount that does not exceed your current Account balance over the lelophone or you can selup automatic paymeats through a customer service represertafive by calling 1.800.3.47-2683. Automatic payments will be deducted on the Payment Due Date unless you request a payment date that occurs before your Payment Due Dale. If your scheduled payment date falls on a weekend er bank holiday, your payment will be processed the business day prior to ffie weekend or bank holiday. In order to schedule monthFy payments by telephone, you will need this -sidemart-and your-bank account inform ation. -Y,6u will bar asked to-provide the- lastfour (4) d1gNs of the social security number of dw 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 initials 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 Sub take City, UT 84 1 30-04 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 ,ygy??yy?p??tt will be mode and how much it will be. You must ensure that sufficient funds are available in your bank x3a6da,?3Rt! 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 statenwrd, you A be responsible for paying the difference. If the schedufad payment is greater than the Minimum Payment Due any excess will be applied in accordance with your Cardmember Agreement. Your automatic payment amount may lea lass than the amount indicated on the periodic statement based on credits or payments offer Ike Closing Dale. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the aulhorizolion for your records. Arnow: ? Fall Pay ? Min Pay ? Min Pay + $ - Bank Routing Bank Account Frequency: NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION . DISCOY ER Credit Reporting. We may report information about your Account to credit bureaus. late payments, missed payments, OF other defaubs on your Account may be refled¢d In your credit report. We normally report the status and paymerd history of your Account to credit reporting agencies eeoocdilf month. IF you believe that our report is inaccurate or incomplete, p" write us of the following address: Discover, P(7 Box 15316, Wilmington, DE 1 98 50-5 3 1 6_ Please indicate your name, address, home telephone number and Account number. Paring Int«esf- We begin to impose interest charges on a transaction fee or Interest charge from the day we add it to the dmly balance. We continue to imaosa i.WW charaes until you pay I ra total amount you owe us. You can avoid payinq How to Avoid Payin Interest on Purchases 11xace Period") It youpaid the ew Balance on your previous billing wileiWont 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 Payment Due Dote on your current bi?ng statement. New Purchases are Purchases Rxat first appear an the currenF billing statement. How We Apply Payments May Impact Your Cprace Period It you do not pay your Now ante in full +eac mront n, 11"n, depending on the balance to which we apply your payment, you may not gat a grace period on new Purchases. How We Calculate Interest Charges Daily Uknce Method (including current transactions): We colculale 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 Transact-on Category We start with the beginning batonce For each da_y_ The 6-arming balance for the first day of the billing period is your balance on the last day of your-previous billing per • We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We add new Iransoctions or fees as of the [afar of the Transaction Date or the first day of the billing period in which transaction or tae posted to your Account. We subtract any now credits and payments. We make other adjustments (including those adjustments required in the 'Paying Interest" section). Now We Fkgere Your Total Interest Charges • We multiply the daily balance for arch Transaction Category by its daily periodic rate. We do this For each day in the bill-nny? period. This gives us the Itterost charges for each Transaction Category. To get a daily periodic rate, we d-v-de M7e 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. Haw We 6sdude Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. We add Cash Advance Fees to the applicable Cash Advance Tronsaction Category. We add all other fees to fhe standard Purchase Transaction egory. Balance Subject to Interest Rate. Your statemment shows a Balance Subject to Interest Rote. If shows this for each transaction category. The Balance Subject to Interest Role is the average of the -daily balances during the billing period. Croclil Balances. If your Account has a credit balance, the amount is Ahown on the Front of your billing statement. A credit balance is money that is owed to you. You may make cfxr?gges against this amount if your Account is open- We will :end? you a refund of any remaining balance of $.1.00 or more after -6 months, or as otherwise required by applicable law. For TDD (Telecumvirnmications Device for dse Deaf) assistance, pleaso calf 1-800.347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discovermcard is issued by Discover Brink, Member FDIC Information For You O MK 182 Earn 10% Cashback BonuslR) at Barnes &'Nobfe_com when you make your purchases online through ShopDiscover(SM) and use your Discover(R) Card! Earn 5% to 20% Cashback Bonus every day when you shop at over 150 top online retailers through ShopDiscover Just visit ShopDiscaver_eom to start earning extra rewards fodayl 9322205 Questions? Visit www.Discwor-can or DISCOVER call 1.800-DISCOVER (1-800-347-2683). DISCOVER New Balance Minimum Payment Due Account Number ending in 1856 $5,378.85 I $158.00 --1 Enter Amount Enclosed Below Payment Due Date b Septem er 12, 2010 Pay online at www.Discover.com or make check payable to Discover. Phone and irdernet payments must be made by 5:00pm ET for same day posting. 17 SDSN6A01 0004333 LEEANN BROWN Access and manage yrxnraccount as www.Discover.com or visit m.discovercom 1234 BENT CREEK BLVD on your mobile phone- MEUHAN1C5bUI(6 VA - - 2839- -- PO BOX 71084 11111 oil to 11111111 111 111311 11 CHARLOTTE NC 28272-1084 Address, a-mail or telephone change? f,,Ir1lr,l,r,1,ILrrlrJEl„,1111,,,1„I„I„ILrlr,l„lrlnll Go to www.Di=ovor.com or print change in space above. 000001986458515494090053788500000000015800 iJpening Uale: July I8, 2U 10 Dosing Date; August I Discover More Card Account Summary I Account number ending in 1856 Previous Balance $4,771.53 Payments And Credits 140.00 Purchases + 617.62 Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged + 129.70 teas Cfwrged + 0.00 _ _ New Balance 5,378.85 See Interest Charge Calculation section following transactions for detailed APR information Credit line $8,300.00 Credit line Available $2,921:00 Cash Advance Credit line $4,200.00 Cash Advance Credit Line Available $2,850.00 You may be able to avoid Interest Charges, see Additional Important Information for details. CosMtock Bonuse Anniversary Month February Opening Cash6ack Bonus Balance $ 17.45 New Cash6ack Bonus This Period + 2.41 casbbadc BMWs Balance $ 19.86 To team .ore, tag in at www.D6cover.com 17, 2010 page 1 of 2 Payment Information New Balance $5,378.85 Minimum Payment Due $158,00 Payment Due Date September 12, 2010 Late Payment Warning If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 29.99% variable. Minimum Payment Warning: IF you make only the minimum payment such period, you will pay more in interest and R will take you longer to pay off your balance. For example: f4Ttt+fcSGDq X20 2F°iu_ ktfll?(KI s Ia?? tgrba$ko-n iJ cur ?? '?Y ?x s#ng ?dmC 4? r>? inr+if!!!?1 IF>?a ?f+af .._.: ....... df.b Only the minimum 28 years $25,802 Payment $228 3 years 8'219 Savings = $17,583 j If you would like information about credit counseling services, call 1-800-347.1121 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1 Access your account securely at www.Discover.com 2. Call 1.800-DISCOVER (1-800347-26831 Please have your Discover* card available. Access free online tools like Paydown Planner to create a plan Lo b?oy down your balance, securely access statements, pay 6i11s online and easily track all transactions 3. Write to us at Discover, PO Box 30943, SaR Lake City, UT 84130 (Not a payment address( Make your money worth more SM-find easy ways to earn For payments, please send to address an remittance or and redeem cosh rewards Discover, PO Box 6103, Carol Stream, IL 60197-6103 NEWT Access your account securely through your For TDD (Telecommunications Device for the Deal) mobile phone assistance, please call 1-800-347-7449. Transactions Trans. Post Dote Date Payments and Credits Jul 22 Jul 22 INTERNET PAYMENT THANK YOU $ 140.00 Merchandise Jut 24 Jul 24 WA4MART SC #1886 MECHANICSBURGPA $ 87 14 Jul 30 Jul 30 AVP`AVON PRODUCTS YAN 513-551-2866 DE 11800 JT20127185700 Aug 5 Aug 5 WAL-MART SC #1886 MECHANICSBURGPA 103.64 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadobie, 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 reminderrthrough e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. Sign up today of Oiscovercom%popedess 02010 Da- P-k. Member FDIC Transactions (cant.) TD" Pqasli 0 M"andise Aug I I A%q i 1 SHOPPERDISCOUNT.COM 800889$776 CT Gasoline Jul 24 Jul kA GIANT FUEL #5 MECHANICSBURGPA 010005 Jul 27 Jul 27 GIANT FUEL #5 MECHANICSBURGPA 010052 Aug 10 Aug 10 TURKEY HILL #0268 069 MECHANICSBURGPA Services Jul 26 Jul 26 VESTA ` AT&T 866-6083007 OR Jul 30 Jul 30 VESTA * AT&T 8666083007 OR Warehouse Clubs Jul 27 Ju1127 BJ WHOLESALE 00025 CAMP HILL PA Fees TOTAL FEES FOR THIS PERIOD Interestcherged INTEREST CHARGE ON PURCHASES INTEREST CHARGE ON CASH ADVANCES INTEREST CHARGE ON BALANCE TRANSFERS TOTAL INTEREST FOR THIS PERIOD 2010 Totals Year-to-Date TOTAL FEES CHARGED IN 2010 TOTAL INTEREST CHARGED IN 2010 9322205 PAPER.0310 y O Z 0 0 0 12.00 35.02 45.00 44.60 15.90 15.90 140.42 S 0.00 S 94.77 34.93 0.00 129.70 ? t 16.50 584.14 Questions? Visit wwwm6cw.vr.com or Qt???1f ER call 1-800-MCOVER {1-800,3472683). DISCOVER Pcr to ISC _ LEEANN BROWN f t I _J? Account number ending in 1856 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Currant Billing Period: 31 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE Purchases 29.99% V $3,721.04 $94.77 Cash Advances 29.94°/ V $1,371.26 $34.93 V - Variable Rate Additional Important Information See your Cordmember Agreement. Your Cordmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately) Call 1-800-347.2683. What Ta 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 3042 t Salt Lake City, Ui 84130-0421 In your letter. give us the following information: Accoutd information: Your name and account number Dollar amount: The dollar amount of the suspected error Descri lion of Problem: If you think there is an anor on your bill, describewhat you believe is wrong and why you believe i1 is a mhsta 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 callus, but if you do we are not required to investigate any potential errors and you may have to pay tine amount in question- While we investigate whether or not there has been an error the following are true: We crnnot fry to cdlacl the amount in question, or report you as delinquent on that amount. the chorea in guesiion may remain on your statement, and we may continua 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 Jf You Are Dissatisfied Wffh Your Credit Card Purchases If you are dissatisfied with the goods or services that you bow purchased with your credit card, and you have tried in good faith to correct the prom 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 lhow are necessary if your purchase was based on an advertisement we mated 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 'u are still dissaiisfied with the purchase, contact us in writinq at: Discover, PO Box 30945, Soft Lake City, UT 84130-0945 While we investigate, the same rules apply to Ike 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. Payrnank You may ppaayy all or part of your Account balance at any time- However, you must pay at least Ilse Minimum Payment Due by the Poyment Due Date. Send only our payment and the top portion of this statement in the envelope prov?dotd. Do not send cash- a sending your as described above, you authorize us to use information an your check b m a an electronic fund transfer from your account at the financial institution indicated on your check or to process the C ymervt as a check transaction. If payment is processed as an electronic fund transfer, the transfer will be for the amount of 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 [he payment to any other address or if you use an emebpo other than the one provided. Payments received to 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 of our processing facility after 5PM kcal time will be credited to your Account as of the next day. If you have misplacarJ_ your envelope send Yom payment to Discover, PO Box 6103 Carol Stream, IL 60197.6103. Please allow 710 days for ivory. IFyoxr payment is returned unpaid, we reserve the right to resubmit if 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 telephona or you can setup automatic payments through a customer service rePrasentativa by calling 1-800.347-2683. Automatic payments wilt be deducted on the Payment Due Date unless you request a payment date that occurs before your Payment 0 Date. lF your scheduled payment data falls an a weekend ar honk holiday, your paymeat will be processed the business day prior to tfha weekend or bank holiday. In order to schedule monthly payments by feiephone, yrw will need this stuYemenhf and ynrrr bank accormf inFortnation. You will be aske as d to provide the test r re, 1) riigits of the soctafsecurily hmumber of the primary barrorwer By providln those numbers your electronic signature, you will be agreedr?g b this autartzation to alkrw us and yaw bank to deduct each payment you authorize, in ire amount selected by you, ham your bank account. You also authorize us to initiate debit ar credit entries fo your bank account, as a licable, to correct an error in the processing oaf such payment. You can cancel a scheduled payment by phone at 1-800-347-2683 orb y mail at Discover PO Box 30621, Sall lake City UT 84130 042 {, however we mush receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we wiIt tell you on each monthly statement when pit oil be made and how much it will be. You most ensure that sufficient funds are available in your bank 02 d transactions must comppl?yy with U.S. law, If your scheduled paymat is not enough to cover the Mlnlmurn Payment Due as listed on your monthImUlfing statement, you will be responsible foer paying the difference. if the scheduled payment is greder than the Minimum Payment Due{ any excess will be applied in accordance with your Cordmember Agreement. Your automatic payment amount may ae less than the amountt indicated on the periodic statement based on credits or payments after the Closing Dole. 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 Rouling #: Bank Account #:______ Frequency: NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Credit Reporting. We may report information pbord your Account to credit bureaus. We payments, missed payments, or other defaults on your Account may be reflecMd in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If believe that our report is inaccurate or incomplete, phase write us at the follawing address: Discover, PO Box 15316, Wilmington, DE 198505316. Please indicate your name, address, home telephone number and Account number. Paling hiterest We begin to impose interest charges on a transaction fee or interest charge from the day we ndd it to the daily balance. We continue to impose interest charges until you pay Ilia total amount You owe us. You can avoid onvina on How to Avoid Paying Interest on Purchases ( ace Period you pat the New Balance on your previoa billing statement by the Payment Due Date shown on that 6111i rig statement, we will net impose interest charges on new Purchases or any portion of a new Purchase, paid by the payment Due Date on your current bitting statement. New Purchases are Purc]rases chat first appear on the current billing statement. How We Apply Payments Mo fm ct Your Grace Period f YOU do no pay your New ante in eck month, en, depending on the balance to which we apply your payment, you may not gat a grace period on new Purchases. How We Calculate Interest Charges Daily SOcince Method lincluding current transactions): We calculate interest charges each billing period by first figuring Ihe'daily lance" for each Transaction Category. Transaction Categgoories include standard Purchases, standard Cash Advancei and different promotional balances, such as Balance Transfers. Now We Figure the Daily Balance for Each Transaction Category We --tar: with the inning balance for each The inning balance for the first day of the billing period is your balance on the ash day of your previous Ming 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 toter of the Transaction Dole or the first day of the billing period in which the tronsaction or fee posted to your Account. We subtract any new credits and payments. We make other adjustments (includhag thane adjustments required in the "Paying interest" section). How We Figure Your Total interest Charges We multiply the taily balance for each Transaction Category by its daily eriodic rote. We do this for each day in the billing pperiod. This gives us the Interest charges for each Transaction ?ategory. 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. Flow We Include Fees We add Balance Transfer Fees to the opplicgtbla Balance Transfer Transaction Category. We add Cash Advances Fees to the applicable Cash Advance TTransaction Category. We add aft other fees to fhe standard Purchase Transaction Category. Balance Subjed to Interest Rare. Your statement shows a Balance Subjed to Interest Rate. It shows this for each transaction category. The Balance Subject fb Interest Rate is the average oFihe daily balances during the billing period. CroM Balarrces. 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 yr?rr. You nay make charges against this amount if your Account is open. We will bend you a refund of any reritoining balance of $1.00 or more after 6 months, or as otherwise required by applicable law. for TDD (Telecommunications Device for th%NeFl assistance, please call 1-Boo-3.47-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover"'card is issued by Discover Brink, Member FDIC 017BKte2 Information For You With fightening lending standards, it's never been more important to stay on top of your score. Credit ScoreTrocker helps you understand what may be affecting your? credit rating. Visit Discover.com/credifscoretracker or call 1-866-256-4532 to foam more or to enroll. Identity Theft Protection provides doily 3buteau credit reports monitoring and alerts you of key changes that may help you identify potential Fraud. Visit Discover.com/identi44heffprofection or call 1-866-515-5302 to learn more or to enroll. For only $2.99/month Wallet Protection helps notify card issuers 8, monitors your credit activity for 9o days if your wallet is lost/stolen. Visit Discover _com/walietproldctionor call 1-877-623-801 d to learn more or to enroll. 9322205 Questions? Visit www.Disc"ar.com or call 1-800-DISCOVER (1-800-347-26831. DISCOVER DISCOVER New Balance Minimum Payment Due $6,570.09 1-$ 193.00 _? Payment Due Dote October 12, 2010 Account Number ending in 1856 Enter Amount Enclosed Below $ 1 Pay online at www.Discovercom or make check payable to Discover Phone and Internet payments must be made by 5:00pm ET for some day posting. 17 iDSNfiAOt 0004334 Access and manage L EEANN BROWN gout account at wwvv.Discovercom or visit m.discaveccom 1234 BENT CREEK BLVD on your mobilephone- MECHANICSBURG PA 17050-1859 PO BOX 71084 111nr11csrrrr111611loll. 11 CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? 1.rlrlf?rlr?rlrllr„Lr1r1>r,NIlrrJrrlcr1rr11rrL,l,rfrlrrli Go to www.Discover.com or print change in space above. 000001986458515494090065700900000000019300 Opening Dale: August 18, 2010 Closing Date: September 17, 2010 Discover More Card Account Summary Account number ending in 1856 Previous Balance $5,378.85 Payments And Credits 158.00 Purchases + 505.57 Balance Transfers + 0.00 Cash Advances + 675.00 Interest Charged + 148.42 Fees Charged + 20.25 New Balance 7b.09 See Interest Charge Cakulation section following transactions for detailed APR information credit tine $8,300.00 Credit line Available $1,729.00 Cash Advance Credit line $4,200.00 Cash Advance Credit line Available $1,729.00 You may he able to avoid Interest Charges, see Additional Important Inkonrrdion for details. Coshback BonuO Anniversary Month February Opening Cashback Bonus Balance S 19.86 New Cashback Bonus This Period + 4.41 CashbadcBonus Balance $ 24.27 T. knm -, loo rn d www.0iscover.eom page 1 of 2 Payment Information New Balance $6,570.09 Minimum Payment Due $193.00 Payment Due Dote October 12, 2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 29.99% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: Yalfilgifs" sill er tl>if>??!stt?l.?artTtf= ? 1{ssrts?fatem,enl- lrtfft?cdst!<talaFslf: ...... Only the minimum 32 years $33,374 payment $279 1 i 3 years . 10,039 6 avings = $23,335 ) If you would like information about credit counseling services, cog 1-800.347-1 121 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1 Access your account securely al www.Discover corn • Access free online tools like Paydown Planner to create a plan 2. Cop 1-800-DISCOVER (1.800147-2683) to, pay down your balance securely access statements, pay Please have your Discover* card available. bils online and easily hack all transactions 3- Write to us at Discover PO Box 309.48, - - &A lake City, UT 84130 (Not a payment address) • Make your money worth moresm-Find easy ways to earn For payments, pose send to address on remittance or and redeem cash towards Discover. PO Box 6103, Cord Stream, li 60197-6103 • NEWI Access your account securely through your For TDD (Telecommunications Device for the Deal) mobile phone assistance, please cab 1-800-347-7449. Transactions Trans. Dote Payments and Credits Aug 25 tilerchondise Aug 18 Sep 3 Post Date Aug 25 INTERNET PAYMENT THANK YOU 158.00 Aug 18 AVP*AVON PRODUCTS YAN 513-551-2866 DE $ 33.63 JW00124808200 Sep 3 AVP*AVON PRODUCTS YAN 513-551-2866 DE 56-29 JP6012SA19200 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of ilown6adable, password protected statements. • See your statement as soon aj if's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminded% through e-mail or text messages on your mobile phone. • Print a paper copy of your stcilement anytime. Sign up today at Discowrc-*/paperless 02010 Dis- Bank, M-1- FDIC IYi Moji0 Transactions (Cont.) Trans. Date P st D#e Merchandise Sep 11 * 11 SHOPPERDISCOUNT.COM 800-889-8776 CT 12.00 Sep 14 SV 14 WAL-MART SC # 1886 MECHANICSBURGPA 54.28 Restaurants Aug 27 A49 27 DE NNY•S #1342 MECHANICSBURGPA 14.68 Gasoline Aug 22 Airy 22 GIANT FUEL #5 MECHANICSBURGPA 20.00 010033 Aug 25 AP9 25 GIANT FUEL #5 MFCHANICSBURGPA 40.01 010015 Aug 29 Aug 29 TURKEY HILL #0268 069 MECHANICSBURGPA 39.00 Aug 30 Aluy 30 TURKEY HILL #0268 069 MECHANICSBURGPA 43.03 Sep 3 Spp 3 GIANT FUEL # 120 MECHANIC5BURGPA 20.00 000058 Sep 10 Slop 10 0351 SHEETZ HUMMELSTOWN PA 20.00 Services Sep 3 Step 3 VESTA • AT&T 8666083007 OR 15.90 Sep 3 Sep 3 VESTA • AT&T 866-6083007 OR 15.90 Sep 10 Sep 10 VESTA - AT&T 866-6083007 OR 15.90 Sep 10 p 10 VESTA' AT&T 866-6083007 OR 15.90 Cash Advances Sep 8 8 CASH ADVANCE CHECK #9170 USA 675.00 Supemarkets Aug 22 Aug 22 GIANT FOOD #005 MECHANICSBURGPA 36.94 010069 Aug 26 *ug 26 WEGMANS #45 MECHANICSBURGPA 22.13 Warehouse Clubs Sep 8 ?ep 8 B1 WHOLESALE 40025 CAMP HILL PA 29.98 Fees Sep 8 ;aP 8 CAST-) ADVANCE FEE S 20.25 TOTAL FEES FOR THIS PERIOD 20.25 Interest Charged INTEREST CHARGE ON PURCHASES 107.67 INTEREST CHARGE ON CASH ADVANCES 40.75 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 F TOTAL WTEREST FOR THIS PERIOD 148.42 2010 Totals Year-to-Dote - TOTAL FEES CHARGED IN 2010 138.75 TOTAL INTEREST CHARGED IN 2010 732.61 9322205 U} 0 z z A 0 0 A w A J Quesfions? Visit www.Disak~x*m c. DISCOVER call 1-800-DISCOVER (1-80047-2683). DISCOVER it sr i IEEANN BROWN h _ _I Account number ending in 1856 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 I C G BALANCE SUBJECT TO 1NTEREST_CHARt:E _ APR INTEREST RATE Purchases 29.99% V $4,227.24 $107.67 Cash Advances 29.99% V $1,599.94 $40.75 V = Variable Rate Additional Irnportant Information See your Cardmarnber Agreement. Your Cordmember Agreement contains all the forms of your Account. Last or stolen cards. Report immediateiyi Call 1-800-347.2683. What To Do If You Thitsk You Find A Mistake On Your Staternertt if you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84130-04211 !n your latter, give us the Following Information: Account information: Your name and account number Doffar amouul: The dollar amount of the suspected error. of Problem: If you think. there-is an error on your bill, describe what you believe is wrong and why you believe • Desa mul3ca. it is a You must contact us within 60 days alter the error appeared on your statement. You must notify us of any potential errors in wr-tin You may call us, but if you do we are not required to investigate any potential errors and you may have to }ay 1 e amount in question. While we investigate whether or not there has been an error; the following are true: S=R_ cllecamount in question, or report you as delinquent on That amount. question may remain on your statement, and we may continue to charge you interest on that amount. But, if t we maadde 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 no 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 RiafNs If You Are Dissatisared With Your Credit Card Purchases If you are dlssdished with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the probhem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: I The purchase must have been made in your home state or within 100 miles of you 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 hilly paid for the purchase. If all oflhe criteria above are met-- -- c you are still- dissotisfled with llie Purchase; contact us in writing (1t: Discover, PO BOX 30945, Soft Lake City, UT 84130.0945 While we investigate the same rules apply to the disputed amount as discussed above. After we finish our investigation, way ante l you our decision. At that point, if we think you owe an amount and you do not pay we may repod your q t part of ou must pay at least the Minimum Payments. You maKnd Paymc nt ment Oaleof this statement in the envelope dshBit drize us to use information on your check ke an elr (ram yaw account of the financial institution indicated on your check or to process the paymentas o cfrack transactionif p enf is processed as an electronic Wnd transfer, the transfer will be for the amount of the cheek. When ire rise informion from your check to make an elechonic Wnd lronsFer. Wads 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 prthocessing aF your payment may ba delayed if you send cash, correspondence or other items with our payment, if you send e payment b ary other address a if you use an envelope other than the one provided. Paymen?s received to proper form at our processingg lacilify by SPM local Nme on any d will be credited to your Account as of that day Payments received at our processing facility alter 5PM local time will?e credited to your Account as of the next day. If you have misplaced yyoaur envelope, send your payment fo Oiswver- f'O Sox 6103 Carol Stream, Il 6D 197-6103. Pfeasa allow 710 days For delivery . ff your payment is returned unpaid, we reserve the rig?if fo resubmit if as an electronic debit. You can pay your scheduled monthly payment or a theater amount that does not exceed your current Account balance over the telephone or you can setup automatic payments Through a customer service teprosentdive by calling 1-800.347-2683. Automatic payrneds will 6e deducted on I Payment Due Date unless you request a payment date that occurs before your Paymerrt Due bah, IF your scheduled payment dale Fotls on a weekend or bank holiday, your payment will be processed the business day b the weekend or bank laliday. In order fo schedule monthly pa ants . to phone, you will need this statemerht bank nccountinlormatiort. Yea will be asked to providathe last Four (4) ddtigits of the social security number of Uhe prmary borrower By providirt? lhrose numbers as your slectranic signaturs. you will be agreeing to this authorization b slaw rrs and your bank b deduct each payment you autharize, in1be amount selected by you, from your bank account. Yau afro auUtonze us to initiate debit ar credit entries fo your bank account, as a licable, to correct an error in the processing of such payment You can Dance) a scheduled palnnent by phone at 1-800.347-2683 or by mail at Discover, PO Box 30421, Sah Lake City, LIT 84 1 30-042 1; however we must receive notice at least three business days in admrtce of the sdnafttled paymerd, IF your Payrnenls may vary in amount, we will tell you on each monthly statement when 0=. ?t wig he de and how much rf will be. You must ensure that sufficient funds are available in your bank hEf al lransadions most c fy with U.S. law. If your scheduled payment is not enough to cover the Minimum PoymenF Due as listed on your man* Ifing statement, you rill be responsible for paying the difference. If the scheduled payment is greater than the Minimum Payment Due any excess will be applied in occordance with your Cardmember Agreement. Your automatic payment amount may )te less than the amount indicated on the periodic statement based on credits or paymerds oiler 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 ¢6ouF your Account to credit bureaus. Late payments, missed payments, or other defauhs on your Account may be relleclaid in your credit report. We normally report the status and payment history of your Account to credit reporting agencies eaco month. IF you believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO BoA 15316, Wilmington, DE 19B50-5316. Please indicate your name, address, home telephone number and Account number. Payisy Interest: We begin to impose interest charges on istransaction,, fee or interest charge from the day we add it to the on Purchases as described below. Mavrever, you cannot avoid paying interest on nolance Ircinsters or flow to Avoid Paving Interest on purchases (race Pedfod°) It you paid the Now Balance on your provrou billing statement by the Payment Due Date shown on that billing statement, we wil not impose interest charges on new Purchases or any portion of a new Purchase, id by the Payment Due Dote on your current billing statement. New Purchases are Purchases that first appear on the current billing statement. Flow We APPIy Poymentsewla Im d Your Grace Period 11 you o not pay your a anee in lull eqct month, en, depending on the balance to which we apply your payman), you may not get a grace period on new Purchases- How We Calculate, Interest Charges Daly Eitlance Me 6d (including current transactions): We calculate interest charges each billing period by first figuring the "doify}bdance' for each Transaction Calegary. Transaction Categories include standard Purchases, standard Cash Advanced and different promotional balances, such as Balance Transfers. How We Figure Ilse Daily Balance for Eodr Transaction Category We start with thebeg irtrirt9 balance {w each day. The beginning balance for the fiat day of the billing period is your balance on the lost day of your previous billing period. • We add any interest charges accruecl an 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 16 your Account. We subtract any new credits and payments. We make other adjustments (including those adjustments required in the "Paying Interest" section). How We F" Yow Total 6rlm st Charges We multiply the dui balance for each Transaction Category by its daily periodic rate. We do this for each day in the billing pentad. This gives us the Interest charges for each Transaction Category. To get a daily periodic rate, we divide the APR chat applies to IheiTionsoction 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 apoiiapbb Balance Transfer Transaction Category. We add Cash Advance Fees to the applicable Cash Advance ransatciion Category. We add all other fees to iha standard Purchase Transaction Category. Balarxe Subject to Interest Rate. Your stofemern shows o Balance Subject to Interest Rate. It shows this for each Iran action category. The Balance Subject 16 Interest Rate is the average of the daily balances during the billing period. Credit Balaxes. If your Account has a credif balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to y¢u. You may make chargges against this amounF if your Account is open- We w.;!! _en4 .you a refund of any resnoeriog balance of $1.00 or.more offer 6 months, or as otherwise required by applicable low. For TDD (Telocornmunications Device for dwlDeat} assWance, please call 1-600-347.7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance perposes. The Discowil"card is issued by Discover Bdnk, Member FDIC OlTBK182 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 dharges 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 detaifs_ 9322205 Questions? Visit www.Disco%w.com or Jl.?tl?R call 1-800-DISCOVER (1-800-3&-2683). A?IS V R DISCOVER 57,824.04 ance Minimum Payment Due $230,00 J Payment Due Dale Novenler 12, 2010 tctober 17, 2010 Pay online at www.Discover.com or make check payable fo Discover Phone and Internet payments must be made by 5:00pm ET for same toy posting 17 SDSN6A01 0004335 LEEANN BROWN Access and manage your accour4at www.Discover.com or visit m.discoveccom 1254 BENT CREEK BLVD on your mobile phone. MECHA SBURG PA 17050-1859 PD Box 71084 lll,rrlit nrrsll11.rlrrlril CHARLOTTE HC 28272-1084 Address, a-mail or telephone changa Go ro www.D:moyer.com ur print change in space above- III Opening Date: September 18, 2010 - Closing Date: C Discover More Card Account Summary Account number ending in 1856 Previous Balance $6,570.09 Payments And Credits 200.00 Purchases + 603.27 Balance Transfers + 0.00 Cash Advances + 650.00 Interest Charged + 170.68 Fees Charged + 30-00 New Balance 7,824.Od See Interest Charge Calculation section following transactions for detailed APR information Credit Line $8,300.00 Credit tine Available $475.00 Cash Advance Credit Line $4,200.00 Cosh Advance Credit Line Available $475.00 You may be able to avoid Interest Charges, see Additional Important Information for details. Coshback Bonuse Anniversary Month February Opening Cashback Boras Balance $ 24.27 New Cashback Bonus This Period + .4.98 Cash6ack goems. Balance J $ 29.25 To learn snore, lag in al www.Diemver.com Account Number ending in 1856 Enter Amount Enclosed Below page 1 of 2 Payment Information New Balance $7,824.04 Minimum Payment Due $230.00 Payment Due Dale November 12, 2010 Loh Payrnew Warning; If we do not receive your minimum payment by lire date listed above, you may have to pay a Iola 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 29.99% variable. Waknem Paymerd Warning: If you make only the minimum payawd each period, you will pay more in interest and it will take you kmSer to pay off your balance. For example: Y AK t . NAM-, WIR! k 0S ?l?` .+ . 4--...,?p?_ ff5?,?h1.9IT1` iSsTf'mAf9GkfAA.f 1 1(I:f ; Only the minimum P°Y1e? 35 years $41,383 $332 3 years $11.956 tSavings = $29,427 } If you would fake 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.Discavor.com Access free online tools like Paydown Plainer to create a plan 2. Call 1-800-DISCOVER (1-800-3A7-2683) to down your balance, securely access statements, pay Please have your Discovers card available- biAs 644 and easily hack all transactions 3. Write to us at Discover; PO Box 30943, Sao take City, UT 84130 (Not a payment addressl Make yaar money worth morel-find easy ways to own For payments, please send to address on remittance or and redeem cash rewards Discover_ PO Box 6103, Carol Streom, IL 60197-6103 NEWT Access your account securely through your For TDD (Telecommunications Device for the DeoQ mobile phone assistance, please cad 1.800347-7449 ransactions Trans, Post Date Date Payments and Credits Sep 24 Sep 24 INTERNET PAYMENT THANK YOU $ •200.00 Merchandise Sep 29 Sep 29 TOMORROWS CHILD MEC"AP1tCSBU PA $ 52.88 Od 11 Oct 11 SHOPPERDISCOUNT.COM 800.889-8776 CT 12,00 Oct 12 Oct 12 WAL-MART SC #1886 MECHANICSBURGPA 140,11 Oct 15 Oct 15 PAYLESS SHOE SOURCE CAMP HILL PA 11.69 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless stateme0ts 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 waif for it to arrive in your mailbox. • Get helpful payment remin4rs through e-mail or text messages on your mobile phone. a Print a paper copy of your slatement anytime. Sign up today of Discovers >m f papedess 02010 D6c Bwk, M-4w FDIC Transactions Trans, Pleat (cont.) Date 4461, fAMR.03)0 Gasoline Sep 22 Siop 22 TURKEY HILL 90268 069 MECHANICSBURGPA 40.00 Sep 23 Slop 23 GIANT FUEL #5 MECHANICSBURGPA 43.25 010036 Sep 29 4ep 29 TURKEY HILL #0268 069 MECHANICSBURGPA 36-01 Sep 29 Step 29 TURKEY HILL #0268 069 MECHANICSBURGPA 44.04 Oct 12 Od 12 0195 SHEETZ MECHANICSBURGPA 35.00 Services Sep 24 Sep 2.4 VESTA s AT&T 866-6083007 OR 26.50 Sep 2,4 lop 24 VESTA * AT&T 866.6083007 OR 26.50 Oct 1 ©d 1 G1UAUTY CLEANERS LEMOYNE PA 19.60 Od 12 + 12 VESTA " AT&T 866-6083007 OR 26.50 Oct 12 (l>d 12 VESTA • AT&T 866-6083007 OR 26.50 Cash Advances Oct 8 I kt 8 CASH ADVANCE CHECK #9171 USA 250.00 Oct 13 Qd 13 CASH ADVANCE CHECK #9172 USA 100.00 Oct 15 (Dd 15 CASH ADVANCE CHECK #9173 USA 300.00 Sapermorkets Sep 21 Sep 21 GIANT FOOD #005 MECHANICSSURGPA 15.25 010036 Oct 1 lDct 1 WEGMANS #45 MECHANICSBURGPA 47.44 Fees Oct 8 Oct 8 CASH ADVANCE FEE $ 10.00 Od 13 Oct 13 CASH ADVANCE FEE 10.00 Oct 15 Od 15 CASH ADVANCE FEE 10.00 TOTAL FEES FOR THIS PERIOD 30100 Interest Charged INTEREST CHARGE ON PURCHASES $ 116.50 INTEREST CHARGE ON CASH ADVANCES 54.18 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL OfflitEST FOR THIS PERIOD 170.68 2010 Totals Year-to-Date TOTAL FEES CHARGED IN 2010 3 168.75 TOTAL INTEREST CHARGED IN 2010 903.29 9322205 0 z rn 0 0 a 0 ?i w J Questions? Visit w- isaWar.cam or ??S??V?R call 1.800-DISCOVER (1-800-347-2683). DISCOVER I It pays to LEEANN BROWN ?1_ CM G J Account number endliag in 1856 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate an your account. Current Riling Period: 30 days - - TYPE Of BALANCE ANN MWq UAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE - QiERESTAAIE Purthases 29.99% V $4,726.52 $116-50 Cash Advances 29.99% V $2,198.36 $54.18 V = Variable Rate Additional Insportant Information See your Cardrnam6or Agreement. Your Cardmember Agreement contains all the forms of your Account. Lost at stolen cards. Report imrnediatelyl Call 1-300-347-2683. W)iot To Do If You Think You Find A )Mistake On Your Statement If you drink there is an error on your statement, write to us at: Discover. PO Box 30421, Salt Lake City, UT 84130.0421 1n your letter give us the following information: Account information: Your name and account number DaHor amount. The dollar amount of the suspected error Descri lion of Problem: If you think there is an error on your bill, describe-what you-believe is wrong and why you believe 8 is a mista ce. You must corilact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in vrriti You may call us, but if you do we are not required to investigate any potential errors and you may have to pay 1 se amount in question. While we investigate whether or not there has been an error the following are true: We cannot try to called ;amount in question, or report you as delinquent on that amount. Thage in questimremain on your statement, and we may continue to charge you interest on that amount. But, if rmine t al wmaa mistake, you will not have to pay the amount in question or any interest or ocher 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 D7asatisfled With Your Credit Cord Pur homes 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 oFfho following must be true: 1 The purchase must lava been made in your tame state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Nate: Neither of these are necessary if yaw purchase was based on an advertisement we mailed to you , or if we own the company Thal sold you the goods or services.) 2. You must have used your credit card Far 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. It all of the criteria bbovea biii met and yyou die still dissatisfied with the purchase, confad us in writing cit: Discover, PO Box 30945, Sall Lake Cily, UT 841300945 While we investigate, the some rules apply to the disputed amount as discussed above. After we finish our investigation, we will tall 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 16 Minimum Payment Due by the Payment Due Date. Send only your payment and the tap portion of this statement in the erMelope 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. 11 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 franster, funds may be willxkawn 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 y«r payment, if you send the payment to an other addressor if you use an envelope other than the one provided. Paymer>fs received in proper form at out 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 yaw envelope, send your payment to Discover, PO Box 6103 Carol Stream, IL 601 97-6 1 03. Plecke allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the rig(d to resubmit it as an electronic debit. You can pay your scheduled monthly payment or a greefer amount that does not exceed your current Account balance over the telephone or you can setup automatic payments tMaugh a customer service representative by calling 1-800-21AX2683. Automatic payments will be deducted on the Payment Due Dafa unless you request a payment dale dud occurs before your Payment D Dole. If your scheduled payment date falls on a weekend or bank holiday, your payymment will be processed the business toyprfor to the weekend or bank holiday. In order b schedule monihlp pa arts by I aphone, you will need this stafemert and your bank account information, You will be asked to provide the last Four (4l digits of the social security rnncrber of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this authorization Fo glow us and yaw bank to deduct each polmreN you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit ertrras to your bank account, as appplicable, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone of I BM347-2683 or by mail at Discover. PO Box 30421 Sall Lake City, UT 8413Q0421; however we must receive notice at least three busirrou days in advance of dro scheduled payment. If your paymerds may vary in amount, we will tall you on each monthly statement when will be made and how much it wrA be. You must ensure that sufficient funds are available in yaw bank all frrsnsacfions must comply with U.S. law. 11 your scheduled payment is not enough to cover the Minimum Payment Due as listed on your monthly 61lling 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 6e less Than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enrol by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization far your records. Amount: ? Full Pay ? Min Pay ? Min Pay + $ Bank Routing #:, , Bank Account #: Frequency: __. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER s' Credit Reporting. We may report information 4banrt your Account to credit bureaus. Late payments, missed payments, or other defaufis on your Account may be reffer Nkl in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each monih_ If you believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box' 75316, Wilmington, DE 198545316. Please indicate your name, address, home telephone number and Account number. r begin to impose interest Charges an a hansadion fee or interest charge from the day we add it to the continue fo impose interes) charges until you pay the total amount you owe us.. You can avoid playing How to Avoid Pn Interest on Purchases l'tj;race Period" It you paid the New o on your pre owbilling statement by the Payment Due Dale shown on that billing statement, we will not impose interest charges on new Purchases w portions of a new Purchase, paid by the Payment Due Date on your current billing statement. New Purchases are PW?rases that first appear on the currenf billing statement, How We Apply Payments May Impact Your Grace Period If you 7o not FKry your Balance in full eu month, en, depending on the balance to which we apply your payment, you may not gel a grace period on now Purchases. How We Calculate Inwast Charges - Daily Belonce Method (including current transactions): We calculate interest charges each billing period by first figuring the *doily lance" for each Transaction Category. Transaction Categories include standard Purchases, standard Cash Advances,and different promotional balances, such as Balance Transfers. How We figum the Daily Balance for Each Trandoction Category We start pith the beginning balance for each doy. 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 accrue on the previous days daily balance and any new transactions and fees. We add achy new transactions or fees as Ida 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 (includinS 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 big-ng par-ad. This gives is the interest charged for each Transaction Category. To get a daily periodic tole, we divide CIA that applies to the Transaction Category by 365. • We add up all 16 daily interest charges. The sum is the total interest charge for Ilia billing period. NOW We "de Fees We add Balance Transfer Fees to the applicdble Balance Transfer Transaction Category. We add Cash Advance Fees to the applicable Cash Advance Transaction Category- We add all other fees to ilia standard Purchase Transaction Category. Balance Sulainct to Interest Rate. Your stalerriard shows a Balance Subject to Interest Rate. It shows this for each froruaction category. The Balance Subject to Interest Role is the average of the daily balances during The billing period- Credit Balances. If yaw 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 yap: You may make chargges against this amount if your Account is open. We will sew you a refund of any remaining bakutce.of $1.OD or more after 6 months, or as otherwise required by applicable law. For TOD (Telecommunications Device for ilia Deaf) oss6tance, please cal 1-800-347.7449. Discover may monitor and/or retard feleph*io calls between you and Discover representatives for quality assurance purposes. The Discover'cord is issued by Discover Bahk, Member FDIC OIIBK187 Information for You When making payments, please send a check with your payment coupon to ilia address we provided on your statement. This will help you avoid additional interest charges and/or late payments, as it con take additional time to process and credit cash payments and payments sent to 4 different address. The Additional Important Information section on your statement provides specific details. 9322205 Questions? visit wwwziscvvi cam or tail 1-800-DISCOVER (1.800-3&2683). DISC*VER i DISCOVER New Balance i Minimum Payment Due Account Number ending in 1856 $8,079.02 L $237.OQ_- Eller Amount Enclosed Below Payment Due Dole December 12, 2410 Pay online at www.Discover-com or make check payable to Discover Phone and internst 1 payments must be made by S:ODpm ET For same day posting. n sosrisnat 0004336 L EEANN BROWN Access and manage your account at 1234 BENT CREEK BLVD www.Discover.com or viQ m.discover.corn on your mobile phone PO BOX 71084 11)9•11)3ra1111111124 lnlall CHARLOTTE NG 28272-1084 ( f Address, e-mail or telephone change? ?,r)allulrralrll ur?rr?ilu i)))lur)nlulullulrrluir)n)1 Go to www.Discoyer.com or print change in space above. 000001986458515494090080790200000000023700 Opening Date: October 18, 2010 - Closing Date: November 17, 2010 Discover More Card Account Summary Account number ending in 1856 Previous Balance $7,824.04 Payments And Credits 230.00 Purchases + 172.88 Balance Transfers + 0.00 Cash Advances + 100.00 Interest charged + 202.10 Fees Charged + 10.00 Now Balance $8,079.02 See Interest Charge Calculation section following transactions for detailed APR information Credit Lino $8,300.00 Credit Line Available $220.00 Cash Advance Credit line $4,200.00 Cash Advance Credit line Available $220.00 You may be able to avoid Interest Charges, see Additional Important information for details. Cashback Bonuse Anniversary Month February Opening Cashback Bonus Balance $ 29.25 New Cashback Bonus This Period + 1.45 Cashback Bonus Balance $ 30.70 To kern owe, log in al www.Diseovlonwm page 1 of 2 Payment Information Now Balance $ 8,079.02 Minimum Payment Due $237.00 Payment Due Dote December 12, 2010 Late Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transler APRs for new transactions may be ircreased up to the Penalty APR of 29.99% variable- Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: cTycxk ralf FYat? 31 Y r P'QY 1-1 . thelaclaiissji t{ll vta ngc&s i?$>P k ? ' f g ? ' u ?a?l iti trii f tt3 ata nrmetl? ? d.ktta f!7 rtSt:IMi!" - . Only the minimum 35 years $42,983 payment $343 3 years 12'345 Swings = $30,638 ) if you would Ike 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.Diseavor.com 2. Call 1-800-3ISCOVER 1-800347-2683 Please have your Dixovar®card available, Y Access free online tools like Paydown Planner to create a plan to ray down your balance, securely access statements, pay bit s online and easily track all transactions 3. Write to us at Discover PO Box 30943, Sall Lake City, UT 841 r30 (Not a payment address) Make your money worth more Sµ-find easy ways to earn For payments, please send to address on remittance or and redeem cash rewards Discover. PO Box 6103, Carol Stream, 11 60 1 97-61 03 NEW[ Access your account securely through your For TDD (Telecommunications Device for the Deof) mobile phone assisicnce, please call 1-800347-7449, Transactions Trans, Post Date Date Payments and Credits Nov 7 Nov? ' INTERNET PAYMENT THANK YOU $ -230.00 Mwxhanass Nov 8 Nov 8 TARGET MECHANICSBURGPA $ 65.12 Nov 1 I Nov 1 i SHOPPERDISCOIINT.COM 800-889-8776 CT 12.00 Nov 13 Nov 13 KMART MECHANICSBURGPA 6-99 Cash Advances Nov 3 Nov 3 CASH ADVANCE CHECK #9174 USA 100.00 Supermarkets Nov 12 Nov 1.2 GIANT FOOD 9005 MECHANICSSURGPA 53.26 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Paperless statements mean less clutter, more convenience Easily access up to 24 months ofldownloadable, password protected statements. • See your statement as soon cis it's available radw than wait for it to arrive in your mailbox. Get helpful payment remind4s through e-mail or text messages on your mobile phone. Print a paper copy of your :Iaement anytime. • Sign up today of Discowrcom/poperiass 0201 D D{- S.A, M-6, FDIC WER.031 O Transactions Trans. st (cont.) Date b supermudrets 0100,16 Worelwvse Clubs Nov 12 Nov 12 B) WHOLESALE A0025 CAMP HILL PA 35.51 Foes Nov 3 Nov 3 CASH ADVANCE FEE 10.00 TOTAL FEES FOR THIS PERIOD 10.00 interest Charged INTEREST CHARGE ON PURCHASES S 131.35 INTEREST CHARGE ON CASH ADVANCES 70.75 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL. RITEREST FOR THIS PERIOD 202.10 2010 Totals Year-to-Date 9322205 TOTAL FEES CHARGED IN 2010 S 178.75 TOTAL INTEREST CHARGED IN 2010 1 105.39 O Z n 0 0 0 0 rn QUeStiCMS? Visit www.Disc?vw.com or DISCOVER call 1-800-DISCOVER (1-800-347-2683]. DISCOVEIR I It paysta IEEANNBROWN i _ D1SCW p 7 Account number erring in 1856 page 2 of 2 interest Charge Calculation Your Annual Pemer"s Rate (APR) is the annual interest rate on your account. Current Billing Period: 31 days I TYPE OF RAIANCE ANNtIAI Pt2( FNiAr:F RAI aAt{ F SI1RfFS T Tn INTEREST CHARGE RATE (APR) INTEREST RATE Purchams 29.99'/o V $5,15717 $131.35 Cash Advances 29.99% V $2,777.80 370.75 V = Variable Rate Additional Important information Sae your Cardrrrember Agreement. Your Cardm ember Agreement contains all the lerms of your Account. Lost or stalon cards. Report immediately! Colt 1-800-347-2683, What To Do 7f You Think You Find A Mistake On, Your 5laternent If you think there is an error on your statement, write to us at: Discover, PO 8ox 30421 Salt Lake City, UT 84130.0421 In your letter give us the following information: Account informaton: Your name and account number DcDar 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 tisamrst? You must contact us within 60 days after the error appeared on your statement. You mnsl notify, us of any potential errors in htfn . You may can us, but if you do we are not required to investigate any potential errors and you may have to pay t e amour, 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 questtan 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. White 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 M You Are Disaalisfied With Your Credit Card Ptrmhases if you are dissatisfied with the goods or services that you have purchased with your credo card, and you have tried n good faith to correct the probleem 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 hove been made in your home state or within 100 miles of you( current mailing address, and the purchase price must havo boon more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement wa mailed to you or it 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 6t of the criteria above are met find you oio still dissolisfied with thii purchase, coritaci us in vrtitiny''of. Discover, PO Box 30945, Solt Lake City, UT 84130.0945 While we investigate, the some rules applyto the disputed amount as discussed above. After we finish our investigation, we will tall 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 Dote. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. B sending your check as described above, you authorize us to use information on your check to make an electronic kind transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If payment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer funds may be withdrawn from your account as soon as the some day we receive your payment, and you will not receive your chock back from your financial institution. Thor processing of yaw payment may be delayed if you send cash, correspondence or other items with your payment, if you send Me payment Cur oher address or if you use an envelope other than the one provided. Payments received in proper form clout processing facility by 5PM local time on coy dayy will be credited to your Account as of that day, Payments received at our processng Facility after 5PM local time wifl 6e credited to your Account as of the next day. If you have mispkxad your envelope, send your payment to Discover PO Box 6103 Carol Stream, h- 60 1 97-6 1 03. Please allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the rl9k to resubmit it as an electronic debl. 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 setsp auFomafic payments Through a customer service representative IS calling f-800-347-2683. Automatic pa r,s will be deducted oniho Payment Due Date unless you request a payment date that occurs before your Payment bue Date, If your scheduled payment date Ealls on a weake or book holiday, your p enf wig be processed the business toy or to the weekend or bank holiday. In order to schedule monthly paayyments byy telephone, you wit need this sTalemeri ayorx barhk account information. You wiN be asked to provide the {ast Four (4) digits of the social security number of the primary hsorrovrer By pravfding these numbers as your electronic signature, you will be agreeing to This authorization ?o albw us and your bank to deduct each payment you authorize, in the amount selected by you, from your bank account. You also ar,harize us to iniliafe debit or credit er,rhea to your bank account as applicable, to correct an error in the processing of surJh payment. You can carte! a scheduled payment by phone at 1-800-347-2683 or by mail at Discover, PO Box 30421 Salf lake City, U7 8A 130-0421 however we must recoivo notice at least three business days in advance of the uhedulerdment. If your Payments may vary in amount, we will tell you on each monthly statement when ?gre?gay?t will be mad:7 d hoIt rt watt be. You must ensure that sufficient Funds are available in year bank ?H6EdnA Ythfl an 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 outomatic payment amount may be lass 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. Amour,: ? full Pay ? Min Pay ? Min Pay + $_ Bank Routing Bank Account Frequency: __ NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER Credit Reporting. We may report inFarmaliort t your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be relj in your credit report. We normally report the status and payment history of your Account to credit reporting agencies month. If you believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Bog 15316, Wilmington, DE 19850-5316. Please indicate your name, address, home telephone number and Accourt number; Pay6shq Interest We begin to impose interest Charges on citransadion, fee or interest charge from the day we add it to the on Purchases as described below. HaMrever, you cannot avoid paying interest on How to Avoid Paying Interest on Purchases fr race Period" you pat the New Baku" on your preen rings meta by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Pur ses or anthportion of a new Purchase, paid by the Payment Due Dale on your current billing statement. New Purchases ore Purchases at first appear on the current bnihng statement. How We pl?Paymenls AM Impact Your Orate Period you o not pay your Now 8a nee in Pull each rnanih, then, depending on the balance io which we apply your payment, you may not get a grace period an new Purchases. Now We Calculate Interest Charges Daily Malhod (including current transactions): We calculate interest charges each billing period by first ring the'daily nce" for each Transaction Calegory. Transaction Categories include standard Purchases, dondor Cash Advanced amt different promotional balances, such as Balance Transfers. How We Figure the Daily Balance for Each Tra nssoction Category Wa start wits the beginnirg 6alonos (or each day. The beginning balance for the-first day of the billing period is your balance on the st day of your ?Irevious bung per- • We add arry interest charges accrued _on the previous day's daily balance and any new transactions and fees. We add any new tra soctions or fees as fha later of the Transaction Date or the first day of the billing period in which the tranaaction or fee posted Id your Account, We subtract any new credits and pwmenh. We make other adjustments (indudino those adjustments required in the "Paying Interest" section). How We Figure Your Total Interest Charges We multiply the daffy balance for eo}h Transaction Category by its daily periodic rate. We do this for each day in the bill''mg period. This gives us the interest charges for each Transaction Category. To get a doily periodic rote, we d"rri% the APR that applies to thelTronsaction Category by 365. We add up all the daily interest c}wrbes_ The sum is the focal interest charge for the billing period. How We tedorfe Fees We add Balance Transler Fees to the tic" Balance Transfer Transaction Colegory We add Cash Advance Fees to the applicable Cash Advance TransisOcin Categoy. We add all other lees to the standard Purchase Transaction Category. Balance suhject to 6dsrest Rate. Your sfatenjent shows a Balance Subjed to Interest Rate. If shows this for each transaction category. The Balance Subject t4 Interest Rote is the average of the daily balances during the billing period. Credit Belorxes. If your Account has a creo 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 renpoining balance of $1.00 or more after 6 months, or as otherwise required by applicable law. For TOD (TeWorrrrmrnications Device far im pal) assistance, please can 1-840-347-7449. Discover may monitor and/or record telephone cogs between you and Discover representatives for qualify assurance purposes. The Discover®card is issued by Discover Boink, Mernber FDIC 0ITBK 182 Information For You As a reminder. you do not pay any interest bn new purchases if you pay your balance in full each month by your due date. This is caged a "grace period." You will continuo to receive at least 25 days as a grace period for now purchases, except that you will receive at least 23 days as a gtace period for billing periods beginning in February as it is a shorter month. Remember. there is no grace period on bcMmce transfers or cash advances. 9322205 Questions? visit www.D*noov?r.com or p?sC?VE? call 1-800-DISCOVER (1-800-342683). DISCwEQ New Balance Minimum Payment Due `` Account Number ending in 1856 „ $8,539.53 487.00 M Enter Amount Enclosed Below Payment Due Date F- lanuory 12, 2011 Please make check payable to Discover Card. You are ovedimit. Pay the sum of the monthly minimum payment plus the overlknit amount of $239.53. 17 SDSNSA01 (1004337 L EEANN BROWN Access and menage your account at wwx.discover.com or visk m-discover.com 1234 BENT CREEK BLVD on your mobile phone. MECHANICSBURG PA 17050-1859 PO BOX 71084 11111 Al if I 1111111 CHARLOTTE NC 1281217Z-1084 Address, e-mail or telephone eha"? lrrlrlllrln1fill nI lfllrl144l11111111111111111111h]Illreld Go to www.Discovsr com or print change in space above. 00000198b458515494090085395300000000048700 Opening Date: November 18, 2010 - Closing Date: December 17, 2010 Discover More Card Account Summary Account number ending in 1856 Previous Balance $8,079.02 Payments And Credits 0.00 Purchases + 228.42 Bakxxe Transfers + 0.00 Cash Advances + 0.00 Interest Charged + 207.09 Fees Charged + 25.00 _ Now Balance 8,539,53 See Irteresl Charge Calculation section following transactions for detailed APR information Credit Line $8,300.00 Credit Line Available $0.00 Cosh Advance Credit Line $4,200.00 Cash Advance Credit Line Available $0.00 You may be able to ovoid Interest Charges, see Additional Important Information for details. Coshback Bonus" Anniversary Month February Opening Coshback Bonus Balance $ 30.70 New Cashback Bonus This Period + 228 Cashback Bones Balance $ 32.98 To 1- nwrn, 69 1, a www.Dismver.com page 1 of 2 Payment Information New Balance $8,539.53 Minimum Payment Due` $487.00 Payment Due Date January 12, 2011 "Includes past due amount of $237.00 Late Payment Warning: IF we do not receive your minimum payment by the dote listed above, you may have to pay a fate fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penalty APR of 29.99% variable. Minimum Payment Waning: 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: }ri}>,mu lxsyofF WiNrtT [ai gt 15&ksaa? ?rMR on 13`s:xa44 ffYr6lalam`6rrn R4ttStedlotafo Only the mum 36 years $44,690 payment IF you would like information about credit counseling services, cad 1-800.347.1121 3 Easy Ways to Contact Us Manage Your Account Online at www.Discovercom 1 Access your account securely of www.Discover.com - Access free online tools like Paydown Planner to create a plan 2. Cal ]800 DISCOVER 11-800-347-26931 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 as at Discover PO PO {Not Box a pay30943,ment address) S.k Lk. City, UT 841 3 o Make our mono worth morel t-find easy ways to earn Y Y For payments, please sand to address on remittance or and redeem cash rewards Discover. PO Box 6103, Carol Stream, IL 60 1 97-6 1 03 NEWT Access your account securely through your For TDD 0e6corr munlcations Device for the Deal) mobile phone assistance, please cal 1-1300-347-7449. 93223105 Transactions Trans. Post Date Dale Services Nov 16 Nov 18 VISTAPRINT LEXINGTON MA S 20.65 Nov 17 Nov 18 PAYPAL *FLOYD NUTRI 4029357733 CA Nov 19 Nov 19 WIRELESS EXPERTS LOS ANGELES CA 45.00 162.77 Fees Dec 12 Dec 12 LATE FEE TOTAL FEES FOR THIS PERIOD 25.00 25.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER j Paperless statements mean less gutter, more convenience Easily access up to 24 months of downloodable, password projected statements. • See your statement as soon ps it's available rather than wait for it to arrive in your mailbox. • Get helpful payment remin4rs through e-mail or text messages on your mobile phone. Print o paper copy of your statement anytime. • Sign up today at Discover. cc} n/poperless ! 02010 Di.o , Boat, M-6. FDIC PAPF11.031 O Transactions Trans. oat (cont.) Data "rest Charged I INTEREST CHARGE ON PURCHASES 138-60 INTEREST CHARGE ON CASH ADVANCES 68-49 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL KMREST FOR THIS PERIOD 207.09 2010 Totals Year-ta-Date TOTAL FEES CHARGED IN 2010 203.75 TOTAL INTEREST CHARGED IN 2010 1.312.48 i 9322205 z m n 0 0 A W V x Questions? Visit wwwDi com or ?'SLP???n call 1-800-DISCOVER (1-800-347-26831, R DISCOVER I h pays to - LEEANN BROWN -? Account number ending in 1856 page 2 of 2 Interest Charge Calculation Your Annul Percentage Rate (APR) is the annual interest rate an your account. Current Wing Period: 30 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT O INTEREST CHARGE RATE WRI 11,11101151 Purchases 29.99% V $5,622.91 $138.60 Cash Advances 29.99% V $2,778.71 $68.49 V = Variable Rate Additiaaal important information Soo your Cwdmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediafeiyl 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 84134042 ) in your loiter. give us the following information: Account information: Your name and account number Dollar amount. The dollar amount of the suspected error • L"scri lion of Problem: If you think there is an error on your bill, describe-whet you believe is wrong and why you believe if is a .12 te. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors i_n?wriliinng. You may call us, but if you do we are not required to investigate uny potential errors and you may have to pay ttte amount in question. While we investigate whether or not Ihere has bean 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 tficrt 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 poy the amount in question, you are responsible for the remainder of your balance- We can apply any urrysaid amount against your credit Iiff Your Rights If You Are Diasatisfied With Your Credit Card Purchases 11 you are dissatisfied with the goods or services that you have purchased with your credo card, and you have tried in good faithe correct the problem with the merchant, you may have the right not to pay the remaining amount due on the To use this 690, o1 of the following must be true: 1 The 1- hose must have been made in yo o ur hme slate 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 an an advertisement we mailed to you cr edo f , or i f we own the comparry that sold you the goods or services.) 2. You mhsi have used your carcl or thpurchase. Purchases made wish cash advances From an ATM or with a check the accesses your credit cord accod do rot quaiify. 3. You must not yet have fully paid For the purchase !f dl of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Discover, PO Box 30945, Soh Lake City, UT 841340945 WN6 we investigate, the same rules apply to the disputed amount as discussed above. Aber we finish our imrestigo ion, we will tell you our decision. At that point, it we think you owe an amount and you do riot 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 ]he Minimum Payment Due by the Payment Due Dale. Send only your payment and the top portion of Ibis 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 Ifhe check. Wlren 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. Th7H ocessing of yyoour payment may be delayed if you send cash, correspondence or other items with your payment, if you sehe payment to other address or if you use an mvelopa other than the one provided. Payments recerred rn proper form ol our processing facility SPM local time on any day coil be credited to your Account as of That day. Payments received atyoouurr processing fact aAar 5PM local time wdF be credited fo your Account gs of the next day, tf you have day For delivery- f pay^dme tOisPetu nod unpaid, we reserve the rig?it o resubm t ii as anlefectro0nic debt allow 7.10 You can pay your scheduled monthly payment or a greater amount that does not exceed your current Account balance over the Flaphone or you can setup automatic payments through a customer service representative 6y calling 1-800.347.2683. Automatic payments will be deducted on the Payment Due Date unless you request a ppayment date that occurs before your Payment Due Dale. IF your scheduledpayment data Falls on a weekend or bank holIclay, your pa ent will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need ]his statement and your bank account information. You will be-asked to providea Test Four 14j 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 slow us and your bards to deduct each payment you authorize, in Iha 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 1-800347-2683 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 schaduladpayment. If your payments may vary in amount, we will tell you on each monthly statement when t will be made and how much it will be. You must ensure that sufficient funds are available in your bank 475M 09 tronsadions must compiywith U.S. law. IF your scheduled pa ant 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. Yom automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Dale. If you enrol 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?i?about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be redect(td in your credit report. We normally report the status and payaerd history of your Account to credit reporting agencies eeaa??l}rr month. ?If? yyoou believe that our report a um«urat' or incomplete, phase write us at lbe following address- Discover, PO Bcl C 15316, Wilmington, DE 198505316. Please indicate your name, addross, home telephone number and Account number. Payingg Interest: We begin to impose interestclrarges on a transaction fee or interest charge from the day we add it to the _ dally lance. We continue to impose into ggiup1iIyou_pay ffie total amourayou own ... You 00 - ng interest on Purchases as described below. H ver, you cannot avoid paying interest on Balance Transfers Of Cash Advances. How to Avoid Pavia Interest on Purchases (trace Period...) yo(ru paid the Now Balance on your previous tilting statement by the Payment Due Date shown on that billing statement, we will not impose interosi charges on new Purchases or any portion of a new Purchase, paid by the Payment Due [kiln on your current bitting statement. New Purchases are'Purc)lases that first appear on the currenf billing statement. How We Apply Payments Moy Impact Your oce period y(t ou do not pay your ew a nca in full- edch month, Then, depending on the balance to which we apply your payment, you may not gel a grace period on new Purchases. Haw We Calculate Interest Charges Doily Slilvincit Mdhod Wading current fronsoctionsl: We calculate interest charges each bitting period by first B wring the 4'-y, b for each Transaction Catogory_ Transaction Cole [I85 incsudo standard Purchases, standard Cash Advano and different promotional balances, such as Balance Transfers. How We Figure 16 Daily Balance for E«h '?arsaction Category Wa slort ivith the b ginning balance for each dc•• T io beginning balance for the first day of the billing period is your balance on the last day of your previous bll{lrg period. We add any interest charges a«rue4 on the previous day's daily balance and any new Iransoctions and fees. We add airy new transactions or fees as pf the later of the Transaction Date or the first day of the billing period in which tine transaction or fee pouted Iq your Account. • We subtract any new credits and payments. • We make other adjustments lindudirta those adjustments required in the "Paying Interest" section). How We Figure Your Total Interest Charges r We multiply the daily balance for e4h Transaction Category by its daily periodic rote. We do this for each day in the hill?ng period. This gives us the Worest charges for each Transaction Category. To got a doily periodic rWo, we divide the APR that applies to thei Transaction Calegory by 365. We add up al the daily interest charges. The sum is the total interest charge for the billing period flow We hic" Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category- We add Cash Advance Fees to The applicable Cash Advance TT-ra ns"on Category. We add all other fees to die standard Purchase Transaction Category. Balance Sabied to Interest Rate. Your stated tent shows a Balance Subject to Interest Race. It shows this for each bansociion category. The Balance Subject tb Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a cred)F balance, the amount is shown on the front of your billing statement. A credit 6c(arice Is money that is owed to yvprt You may make chargges against this amount if your Account is open. We will ,end you a refund of any ridlooining balance of $1.00 or more after 6 months, or as otherwise required by applicable low. For TDD (Telecommunications Device for dwlDeaff assistance, Please call 1-800-347-7449. Discover may monitor and/or record telephOm eals between you and Discover representatives for qualify assurance purposes, The Discoyermcard is issued by Discover 8c(nk, Member FDIC 01TOK182 Information For You "' ATTFNTION Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. I 9322205 Questions? Visit www.oisco%*r.com yr c? call 1-800-DISCOVER (1-800-34k-2683). DISCOVER DISC 1/ER New Balance Minimum Payment Due Account Number ending in 1856 58,794.73 S744.00 , Enter Amount Enclosed Below =Paymant Due Dote ( -? Febrvory 12, 2011 L Please make check payable to Discover Card. You are overlimil. Pay the sum of the monthly minimum payment plus the ovellimil amount of $494.73. 17 SDSN6A010004338 LEEANN BROWN Access and manage your account at 1234 BENT CREEK BLVD www.Discover.comorwskm.discover.com on your mobile phone. MhUHANIU51111.11RU IA 171.150-1859 PO BOX 71084 111+t,11r,,t.t111rr.i,rlrli CHARLOTTE HC ZB272-1084 1 f Address,-mail or telephone change? Go to vrww.Discover.com or print change in space above. -11 lnI u l ,ir,ll 000001986458515494090087947300000000074400 Opening Date: December 18, 2010 - Closing Date: January 17, 2011 Discover More Card Account Summary Account number ending in 1856 Previous Balance $8,539.53 Payments And Credits 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Interoa Charged + 220.20 Fees Charged 35.00 New Balance $8,794.73 See Interest Charge Calculation section following transactions for detailed APR information Credil Line $8,300.00 Credit line Available $0.00 Cash Advance Credit Lino $4,200.00 Cash Advance Credit Line Available $0.00 You may be able to avoid interest Charges, see Additional Imporlont lr&rmation for details. Coshbock Sonuse Anniversary Month February Opening Cashback Bonus Balance $ 32-98 New Cashback Boras This Period + 0.00 CaAlradr bonus balance- "- $ 32.98 T. too. morc, log in a www.D-ncovor.com page 1 of 2 Payment Information New Balance $8,794.73 Minimum Payment Due* $744.00 Payment Due Date February 12, 2011 `Includes past due amount of $487.00 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 29.99% variable. Minimum Payment Worming: 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: , 1ftGYiU€".:. .off {I` whl :d' " ?filifcasttpnrr Yt +art TIT, kUI3 Wr 4d fytlarerhxtlE;ir±drtdjosai:gE 4c1?h;m;on?}t ,? til5avl? Only the minimum 1 36 years $44,9.41 1 payment 1 If you would like information about credit counseling services call I-800.347.1 1211 3 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com I Access your accanlf securely at www.Discover.com 2. Cal 1-800-DISCOVER (1-800-347-26831 Please have your Discovers cord available Access bee online tools like Paydown Planner to create a plan fo pay down your balanco, securely access statements, pay b , 3. Write to us at Discover PO Box 30943 ills online and easily hack all transactions - , Soh Lake City, UT 841 r30 (Not a payment address) Make your money worth moreSM -find easy ways to earn For payments, please send to address on remillance or and redeem cash rewards Discover PO Box 6103, Carol Stream, IL 601 97-6 1 03 NEWT Access your account securely through your For TDD (Telecommunications Device for the Deal) mobile phone assistance, please roll 1-800.347-7449. Transactions Trans. Post Dale Date Fees Jan 12 Jan 12 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD 35.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 1.47.63 INTEREST CHARGE ON CASH ADVANCES 72"57 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC Y ER Paperless statements mean less clutter, more convenience Easily access up to 24 months oildownloadable, password protected statements. • See your statement as soon ¢s it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminds through e-mail or text messages on your mobile phone. Print a paper copy of your statement anytime. - Sign up today at 0iscovterr-9`"/paperies3 i 02010 Disc- Bunk. Member FDIC I PAPER. 0710 Transac#ions Trans. st (cont.) Date We l 0 z 0 pO W m x J Intarest Charged TOTAL MTTERE5T FOR THIS PERM $ 220.2D 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 $ 35.00 TOTAL INTEREST CHARGED IN 2011 220.20 9322205 .Questions? visit ww call 1-800-DISCOVER (1 :r.com or 2683). QISCOVEK DISCOVER 1 apoys io LEEANN BROWN 1 .ter Account number ending in 1856 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rote on your account. Current Bing Period: 31 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO MEREST CHARGE RATE Purchases 29.99% V $5,796-41 5347.63 Cash Advances 29.99% V $2,849.20 $72.57 V = Variable Rote Additional Important Information See your Cardmember Agremnent. Your Cardrnember Agreement contains all the terms of your Account. Lost or stolon cords. Report immediatelyt Call 1-800-347-2683, What To Do if You Brink You Find A "As'sJoke On Your 5tatenrcnt If you think there is an error on your statement, write to us at: Discover; PO Box 30421, Salt Lake City, UT 84130-0421 In your letter give us the following information: Account information: Your name and account number Dollar amount The dollar amount of the suspected error • Description of Problem If you thinkthere-is an error on your bill, describe what you believe is wrong and why you believe d is a misla a. You must contact us within 60 days after the error appeared on your statement. You must notify ors 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 bean an error; the Following are true: We cannot try to collect the amount in question, or re!=8 as delinquent on that amount. The charge in qguestion may remain on your slaternenmay continue to charge you Interest an 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 your 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 Riah a ff You Are Dissatisfled W1th Your Credit Card Purchases if your are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried on good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on iw 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 odvertisemerd we mailed to you , or if we own the company that sold you the goods or services.) 2. You mud 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 "" u ere ifif Assulis`fied with tfiii purchoia, contact us id wii8na at. Discover, PO Box 30945, Salt Lake City, UT 84130.0945 White vie investigate, the same rules apply to The disputed amount as discussed above. After we finish our imrostigation, we will tall you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Payraartts. 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 3 aymest Due Dole. Send only your payment and the lop portion of this statement in the envelope provided. Do not send cash. =ending your check as described above, you authorize us to use information on your check to make on electronic kind trarisler From your account at the financial institution indicated on your check or to process the payment as a check transaction. IF p7ment is processed as an electronic fund transfer, the transfer will be for the amount of e check. When we use information am 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 chock back from your financial institution. The prncars?ag of yrnr payment may be delayed if you send cash, correspomfenco or other items with your payment, if you sond the payment to wry order address or if you use an envelope. other flan the one provided. Paymenh receved in proper Form at our processing Facitdy by 5PM local time on any day will be credited to yaw Account as of that day. Payments received d our processing facirly after 5PM local lime will be credited to your Account as of the next day. if you have mtspFaced dour emelope, send your payment to Discover. PO Box 6103 Carol Stream, IL 60197-6103. Please allow 7.10 days For del very. ff your payment is returned unpaid, we reserve the rigfil 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 enis through a customer service representative by calling 1-800.347-2683, Automatic paymenk wig be deducted on the P. Payment Due Date unless you roquest a payment date that occurs before your Payment Due Date. If your scheduled payment date fags on a weekend or bank holiday, your pa ment wig be processed the business day prior to the weekend or bank holiday, In order to schedule monthly pa menh by telephone, you will need this stafamert-and yourixink tucourfiinformation. -You will be asked toprovide-the tastfour (4) digits of Ifie-sociat security number of the pnmoryborrowor By providing those numbers as your eleciraxik sitgnatureI you will be agreeing this authorization to allow its and your bank to deduct each payment you authorize, in the amount selected 6y you, frotom your bank account. You also authorize us to initiole debit or credit entries to your book account, as a plicable, to correct an error in the processing of such paymord. You can cancel a schaduled payment by phone at 1-800-347.2683 or by mail at Discover PO Box 30421, Salt Lake City, UT 8 4 1 3404 2 1, however we must receive notice at least throe business days in advance of the scheduled payment. If yourFac ants may vary in amount, we will tell you on each monthly slatomenl when t be mode and law much rl will be. You must ensure chat sufficient Funds are available in your bank 7miN999 ransactions mast comply with U.S, law. If your scheduled payment is not enough to cover lfie Minimum isbd an your monthly tllfrg statamerd, you wig lea responsib a fw paying the tFerence. If the scfredulad r thmi ire Minimum Payment Due any excess wig be app r automatic payment amount may 6e less than the amount ts after fire Closing Dale. IF you enrol 6y phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records- Amount. El ? Full Pay ? Min Pay ? Min Pay + $ Bank Routing Bank Account __; frequency: NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER I CredI Reporling. We may report tnformoti about your Account la credit bureaus. Cate payments, missed payments, or other defaults on your Account may be roAodled in your credit roport. We normally report the status and payment history of your Account to credit reporting agencies h month. If believe tfwd our report is inaccurate or incompfele, please write us d the following address- Discover, PO x 15316, W ngfon, DE 19850-5316. Pleuse indicate your name, address, home telephone number and Account numb4ir P."ng interest We begin to impose inter e charges on a transaction, Fee or interest charge from the day we add it to the daily balance. We conlirwe to impose inte sf charges until you pay the "of amount you owe us. You can avoid payinq How to Avoid Payinq Interest on Purchases Cxace Period") It 3 w a the N wBalance on our previiips billing .satement by the Paymerd Due Dote shown on that billing statement, we wit notprmpose interesir charges on new Purghaees or any portion of a new Purchase, paid by the Payment Due Dole on your current billing statament. New Purchases art! Purc)tam that first appear on the current billing statement. How We Apply Pavmerds May?Iin YourlGroce Period f1 yauao nor pay your Rewga and ca in tuff Ocich monfTi, fyen, dopendincd on the balance to which we apply your paymeal, you may not got a grace period on new Purchases. How We Calculate Interest Charges - Daily htdcoce Method (including current tronsactionsl: We calculate interest charges each billi% period by first figguring the "dd balance" for each Transaction Category. Transaction Categories include standard Purchases, standurd Cash Adva and different promotional balances, such as Balance Transfers. How We Figure the Dah Balance for f acft transaction Category %Nt slott With A6 beginning 6alanc for each day. The beginning balance for the first day of the billing period is your baldnca on tho last day of yo previous billing period. We add any interest charges acc on the previous day's daily balance and any new transactions and fees- Wo add arty new transactions or fees of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted o your Account. We subtract any new credits and ppymenls. We make other adjustments (includi)ng those adjustments required in the "Paying Interest" section). Now We Figure Your Total lnlorest Charg,*4 We multiply the laity balance for e4ch Transaction Category by its dally Periodic rule. We do this for each day in the bili? period. This gives us the nterest charges for each Transaction Category. To got a daily periodic rare, we divide the APR that applies to bhp Transaction Category by 365. We add up all the daily interest charges. The sum is the Iota] interest charge for the billing period. How We Include Foos We add Balance Transfer Foos to the ap ble Balance Transfer Transaction Category. We add Cash Advance Fees to the applicable Cash Advance Tran Lion Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your slrft?nens shows a Balance Subject to Interest Role. It shows this for each transaction category. The Balance Subjectlo Interest Rate is the average of the daily balances during the billing period. Cfedit Balances. If your Account has a creilil balance, the amount is shown on the front of your billing statement. A aedit balance is money that is owed to u. You may snake charr?as against this amount if your Account is oYea. 'A.," y% A send yosr a refund of any iopoining balance of S 1.00 or more after 6 months, or as otherwise required by applicable few. For TDD (Telecommunications Device for t4 Deafl asasmnce, please call 1.800.347-7449. Discover may monitor oral/or record telephone calls between you and Discover representatives For quality assurance purposes. The Discoverocard is issued by Discover 44, Member FDIC 01711082 Information For You ** ATTENTION * *' We previously req Wed the past due amount on your account. We have no record of receiving payment. The amount due should be paidtol once. 9322205 Questions? Visit WWW.Disc .c= or call 1-800-DISCOWR 11-800-W-2683). DISCOVER DISCOVEK New Balance I Minimum Payment Due Account Number ending in 1856 $9,056.51 L$1,008.00 Enter Amount Enclosed Below Payment Due Date f Match 12, 2011 L Please make check payable to Discover Card. You are ovedimit. Pay the sum of the monthly minimum payment plus the overlimit amount of $756.51 17 SDSNRA01 0004338 LEEANN BROWN Access and manage your amount at www.Discover.com or vWd m.discover.com 1234 BENT CREEK BLVD on your mobile phone. _ MECHANICSBURG PA 17050-1859 PO BOX 71084 111uthuuirlllr„lulrll CHARLOTTE HC 28272-1084 Address, mail or telephone change? Go to www.Dis<avor.com or print change in space above 1r:1,11„ir,r1r16„!„1,1,,,1311,,,1r,i„Ir,Hr,l„ir,Ll„U . 000001r986458515494090090565100000000100800 vary 17, 2011 page 1 of 2 vpentog uate: January 18, ZO f 1 - Closing Liate: Feb I Discover More Card Account Summary Account number ending in 1856 Previous Balance $8,794.73 Payments And Credits 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Fees Charged + 35.00 Interest Char ad + 226.78 New Bar once 9,056.51 See Infer" Charge Calculation section following transactions for detailed APR information Credit tine $8,300.00 Credit Line Available $0.00 Cash Advance Credit tine $4,200.00 Cash Advance Credit Line Available $0.00 You may be able to avoid Interest Charges, see Additional Important Information for details. Cashbacl< Bonu? Anniversary Month February Opening Cashback Bonus Balance $ 32.98 New Cashback Bonus This Period + 0.00 Redeemed This Period 32.98 Cosh6wk Bonus Balance $ 0.00 To learn more, leg in at wwwr.Discover.com 3 Easy Ways to Contact Us 1 Access your account securely at www Discover.<om 2. Cgll 1800-DISCOVER II-800347-2683)) Please have your Discoverecard'available. 3. Write to us of Discover PO Box 30943, Salt take 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) qef please call 1-800-347-7449. Payment Information New Balance $9,056.51 Minimum Payment Due" $1,006.00 Payment Due Date March 12, 2011 "Includes past due amount of $744.00 Late Payment Warring: 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 29.99% variable. Minimum Payment Warning: If you make only The minimum payment each period, you will pay more in interest and if will take you longer to pay off your balance. For example: liE bh:.;:.. 3trfg t ii : ..... l6 eYat7tm Vin rr oleo (ijpj iS( Only the minimum 36 years $45,186 payment If you would like information about credit counseling services call 1-800-347-1121 Manage Your Account Online at www,Riscover.com • Access free online fools like Paydown Planner to create a plan topa_ y down your balance, securely access statements, pay bins online and easily frock 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 berm roes Feb 12 Feb 12 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD 35.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 152.34 INTEREST CHARGE ON CASH ADVANCES 74-44 NOTICE; SEE REVERSE SIDE FOR IMPORTANT INFORMATION -DISCOVER f , t f Paperless stateme4ts mean less clutter, more convenience 3 1 Easily access up to 24 months ogdownloadable, password protected statements. • See your statement as soon it's available rather than waist for it to arrive in your mailbox. I ^ C,ef helpful payment remindirs through e-mail or text messages on your mobile phone, i • Print a paper copy of your stiDtement anytime. Sign up today of Discover.ctlfn/paperless 492010 Dr-- 0-L, M-b., FDIC rarrR.os ro Transactions _ m ° Trans. A?sf (Cont.) Date to 0 O Interest Charged I INTEREST CHARGE ON BALANCE TRANSFERS $ 0.00 O O TOTAL INTEREST FOR THIS PERIOD 226.78 V x 2011 Totals Year-to-Date l TOTAL FEES CHARGED IN 2011 $ 70.00 I I I TOTAL INTEREST CHARGED IN 2011 446.98 9322205 Questions? visit wwv call 1-800-DISCOVER (t- .Corn or ?683). DISCOVER DISCOVER itpaysto LEEANN BROWN CANE i Account number ending in 1856 pMe2of2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current BRling Period: 31 days TYPE Of BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO KINE5T CHARGE Purchases 29:99% V $5,981.31 $152.34 Cash Advances 29.99% V $2,922.67 $74.44 V = Variable Rate Information For You "' ATTENTION . , ` Your account is seriously post due. Payment of the amount due and arrangements for Future payments should be made immediately. Additional Important Information See your Car&nombar Agreoment. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cords. Report imrnediatelyl Call 1.800-347-2683. What To Do If You Think You Find A Mistake On Your Statemenf IF you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84 1 30942 1 In your Ieffer, give us the following information: • Account information: Your name and account number Dollar arnounk The dollar amount of the suspected error Descri lion of Prohlem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mista :e. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in vrriti . You may call us, but if you do we are not required to investigate any potential arras 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: Wa cannot try fo collect the amount in question, or report you as delinquent on that amount. The charge in estion ma remain on your statement, and we may continue to charge you interest on that amount. But, if to de 1FxrF termine amount. I(rot we made a mistake, you will not have to pay the amount in question or any interest or chew fees related 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 0 You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with The %g?ads or services that you have purchased with your credit card, and you have tried in good faidr 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 most have been made in your home state or within 100 miles -of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based an 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 most not yet have fully paid for the purchase. IF all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writi n at, Discover PO Box 30945, Salt take City, UT 84130.0945 While we investigate, the same rules apply to the disputed amount as discussed above. Aber 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. Paymonts. You mart' pay all or part of your Account balance at any lima, However, you must pay at least the Minimum Payment Due by the Payment Due Date. end only your payment and the top portion of this statement in the envelope pprovided. Do not send cash. B sendin85 your check as described above, you authorize us to use information on your check to make an electronic Lund transfer From your account at the Financial insfilulion indicated on your check or to process the ppayment as a check kanscidion. If pa meet I. processed as an eledronic fund transfer, the transfer will be for the amount of the check. When we use inforrna#ton tram your check to make an eleckonic Fund transfer, Funds may be withdrawn from your account as soon as the some day we receive your payment, and you will not recoive your check back from your financial institution. Tho processing of your payment may ba deloyed if you send cash, correspondence or other items with your payment, iF you send the pkrymenl to Cary other address or iF you use an envelope other Than the one provided. Payments received in proper Tam at our processing facility b SPM local time on any day wilt be credited to your Account as of that day. Payments received at our processing facility a8er 5PM local lime wiCl be credited Yo your Account as of the next day. If yvu have misplaced yyoour errvek?pe, send your payment to Discover, PO Box 6103 Carol Scream, Il 60 1 9 76 1 03. Please allow 7- i 0 days For delivery. if your payment is returnod unpaid, we reserve the rtg?rt io resubmit it as an alechnnic debit. 9322205 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DIt`C*VEi9 You can pay your scheduled monthly payment r a greats amount that does not exceed your current Account balance over the telephone or you can setup automatic pa s through a customer service representative by calling 1-800-347-2683. Automatic payments will be deluded on the yment Due Date unless you request a payment date that occurs beFore your Payment Due Dale. If your scheduled any date falls ono weekend or bank holiday, your payment will be pnpcessed the business daypxfor to tine weekend or bank hat day. In order to schedule monthly payments by telephone, you will need this statement and your (sank account information. You will be asked to provide the last tour (4) digiis of the social searrify number !!the primary borrower By provider those numbers as your electronic signature, you will be agteeinwits this bank account. You also auth(;dza us to initiaw debit or credit entiies to your bank account, as in alts processing of such payment. You can cancel a scheduled payment by phone at 1-800-3 Discover PO Box 30421 Salt Lake City, UT 11,4130-042 1, however we must receive notice at advance of the scheduled payment. If your payments may vary in amount, we will tell you on h your payment A be made and how much it will be. You must ensure that sufficient Funds are account, and all transactions must comply witft U-S. law. If your scheduled payment is not eno Payment Due as listed on your monthly billing tatement, you will be responsible for paying the payment is greater than the Minimum PaymenrDue any excess will be applied in accordance Agreement. Your automatic payment amount may 6e less than the amount indicated on the pe credits or payments after the Closing Date. hficable, to correct an error M83 or by mail at t three business days in monthly statement when table in your bank to cover the Minimum wane. If the scheduled your Cardmember is statement based on if you enroll by phone in our automatic payment service, please filfin the following blanks below and retain the authorization for your records. Amount- ? Full Pay ? Min P4 ? Min Pay + _ Bank Routing 4: Bank Account #: _, Frequency: _ Credit 4 orfog. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be re in your credit to rt. We normally report the status and payment history of your Account to credit reputing agencies month. If believe that our report is inaccurate or incomplete, please write us at the foAowing address: Discover, PO 80 (5316, ilmington, DE 1 9850-5 3 1 6. Please indicate your name, address, home telephone number and Accohmt numbet. Paying Interest We begin b impose interesfichorges on a transaction Fee or interest charge from the day we add it to the dahfy balance. We continue to impose inter t charges until you pay & total amount you owe us. You can avoid paying interest on Purchases as described below. Htwever, you cannot avoid paying interest on Balance Transfers or Cash Advances. How in Avoid tgfti Interest on Purchases ace Period" It you par ow Balance on your provio s billing statement by the Payment Due Date shown on that billing slaternent, we will not tm pose interest ehargos on new Purcl s or an portion of a new Purchase, paid by the Payment Due Date on your current billing statement. New Purchases ar Purc)hWas that flrsf appear on the current billing statement. How We Andy Payments AAay Impad Yourtrace Period WF iw_doo not pay ew balance in full loch moat sE-, then, depending on the balance to which we apply your payment, you may not get a grace period on new Purdhoses. How We calaAale Interest drarges Daily_lrotance Method (including current transactions): We calculate interest charges each billirh9 period by first B rlha "alaild?s 6akrnee" for each Transaction Category. Transaction CMegones include standard Purchases, standard Ceng ash Advaac and different promotional balances, such as Balance Transfers. Now We Nuts the Dah Balance for ladh Transaction Category We start with the beairming balonceifor each day. The beginning balance for the first day of the billing period is your 6alanco on the st day of yourlprevious billing period - We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We add c new tmnsacfions or fees aslof the War of the Transaction Date or the first day of the billing period in which flte transoction of fee posted J6 your Account. We subtract arty new credits and pWments. We make other adjustments linclucilliq adjustments required in the "Paying Interest" section). How We Figure Yarw Total lmerest ChalsV si We multiply the alaily bafancce for etch Transaction Category by its daily periodic rate. We do this for oath day in the 61Ning period This gives us the Interest charges for each Transaction Category. To get a daily periodic into, we dividdee the APR that applies to " 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 kclxle Fees We add Balance Transfer Fees to the a li able Balance Transfer Transaction Category We add Cash Advance Fees to the applicable Cash Advance Turns scfion Category- We add all other fees to iha standard Purchase Transaction Category. Balance Subject to kdo est late. Your st°*ent shows a Balance Subject to interest Rafe. It shows this for each transoction calagory- The Balance Subjedt° Interest Rate is the average of The daily balances during the billing period. Credit Balances. IF-tow Account has act toining lance, te amount is shown on the front of your billing statement. A credit balance is money tat is owed to You may make charges against this amount iF your Account is open. We will send you a refund of any balance of $1.00 or more after 6 months, or as otherwise required by applicable low. For TDO (Felecommumcatirxss Device for *l' Dea9 assistanco, please call 1-80p-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance puwoses- The Discover"'card is issued by Discover f cnk, Member FDIC RZNtEOOI 9322205 Questions? Visit ww call 1.800-DISCOVER (1 '.Corn or DiSC/AVER New Balance Minimum Payment Due Account Number ending is 1856 DISCOVER $9,302.18 $1,280.00 Enter Amount Enclosed Below Payment Due Date $ I- April 12, 2011 Please make check payo66 Io Discover Card. You are overlimit. Pay the was of the monthly minimum ppayment plus the oven1imit amount of 17 SDSMAOt 0004340 $1,002,1 B, LEEANN BROWN Access and manage your account at www.Discover coin or visit m.discovercom 1234 BENT CREEK BLVD on Your mobile phone- MECHANICSBURG PA 17058-1859 PO BOX 71084 1111.3111133 1 CHARLOTTE NC 28272-1084 Address. a-mail or tafaphona change? Inlrllirlrrrlrllnrlialrlrrr?ll?iril?rlrrlulln?rrlu?r?irll Go to www.DiKewr.curn or print change in space above. 0000019864S8SI,5494090093021800000000128000 Opening Date: February 18, 2011 Closing Date: March 17, 2011 Discover More Card Account Summary Account number ending in 1856 Previous Balance $9,056.51 Payments And Credits 0.00 PurcF,ases + 0.00 Balance Transfers + 0,00 Cash Advances + 0.00 Fees Charged + 35.00 Interest Charged F 210.67 NewBalance 9,302.18 See Interest Charge Calculation section following transactions for detailed APR information Credit line $8,300,00 Credit Line Available $0.00 Cash Advance Credit line $4,200.00 Cash Advance Credit Lino Available $0.00 You may be able b avoid Interest Charges, see Additional Important Information for details. Cashbock Bonuse Anniversary Month February Opening Cashback Bonus Balance $ 0.00 Now Cashback Bonus This Period + 0.00 Cashtaack Bonus Balance J $ 0.00 To loom more, 4 in w www.Discover.corn page I of 2 Payment Information New Balance $9,302.18 Minimum Payment Due* $1,280.00 Payment Due Date April 12, 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 29.99% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: f t>{l atw+H?ltpayaFfthe J rTtt]€t>I 7ii3:r ckorgibs [rC sltoYrtr oa ?ytrtg Ffi stn?,IBls?C6rrF4nef ?Jk9?"a?#mantm ?????44!??ot, Only the minimum 36 years $45,437 payment If you would like infom ation 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 al www,Discwmr.com 2. Call 1-80401SCOVER I1.804347.2683 Pleas ur Di h s d iM Access free online tools like Poydown planner to create a plan to pay down your ballance, securely access statements, pay e ave yo scover cor avo .. bills online and easily track all transactions 3. Write to us at Discover, PO Box 30943, Salt Lake City, LIT 84130 lNot a payment address) ' Make your money worth moreSM-find easy ways to earn For payments, please send to address on remittance or and redeem cash rewards Discover, PO Box 6103, Carol Stream, IL 60197.6103 NEWI Access your accourd securely through your For TOD (Telecommunications Device for the Deaf) mobile phone assistance, please call 1-800-347-7449. Transadons Trans. Post Date Date Fees Mar 12 Mar 12 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD 35.00 intoreit Charged INTEREST CHARGE ON PURCHASES $ 141.79 INTEREST CHARGE ON CASH ADVANCES 68.88 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 #ownloodable, password protected statements. • See your statement as soon a? it's available rather than wait for it to arrive in your moilbox_ • Get helpful payment remind+ through e-mail or text messages on your mobile phone. ! • Print a paper copy of your statement anytime. i • Sign up today at Diacovercota/papedass 021010 0-.,- B.A, AA-b- FDIC PAKR-03 40 Transactions Trans. R (cont.) Data D I Interest Charged 2011 Totals Yeatrto-Date 1 1 I 1 t I I j I t t 9322205 1 TOTAL INTEREST FOR THIS PERIOD TOTAL FEES CHARGED IN 2011 TOTAL INTEREST CHARGED IN 2011 $ 210.67 3 105.00 657.65 W 0 L a 0 0 P 0 Questions? Visit www.Di vercom or DISCOVER call 1-800-DISCOVER {1 804 47-2683). t It pays to i tEEANN BROWN DISCOVER ? bisc asvrtr ( Account number ending in 1856 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your gccourd. Current Billing Period: 28 days TYPE OF BALANCE ANNUAL PERCENTAGE BAIANCF Ct1RIFC L TO INTFRr-Sp_CHARC& RATE (APR) RMEST RATE Purchases 29.99% V $6,163.36 $141.79 Cash Advances 29.99% V $2,994.33 $68.88 V = Variable Role Information For You ""ATTENTION-1 Your account is seriously past due. Payment of the amount due and urrorrgements for future payments should be made immediately. Additional Important Information See your Cordmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immedintelyl Call 1-800-347-2683, What To Do If You Think You-Find-A Mistake On Your Staterrrerrt If you think there is an error on your sldement, write to us at: Dlscaver, PO Box 30,421, 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 - l?scriplion o.Problem: if you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mrsla-? You must contact us within 60 days after the error appeared on your statement. You must nosily us of any potential errors i_n_ w?rit'r' 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 hY b collect the amount in question, or report you as delinquent on that amount. The charge in qquueesoon may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine ttwt we made a mistake, you will not have to pay the amount in question or any interest or other fees related to 111d amount. While you do not have to pay the amount in question, you are responsible for the remainder of your balance. We ran apply any unpaid amount against your credit limit. Your Rights If You Are 06satlsfJed With Your Crediii 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 fur true: 1 The purchase must have been made in your home state or within 100 mltes'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 on advertisement we mailed to you or if we own the company thot 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 wrifina at: Discover, PO Box 30945, Salt Lnko City, UT 84 1 30-0945 White we investigate, the soma rules apply to the dispood amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amourd and you do not pay we may report you as delinquent. Payments. You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. B 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 t ymeat as a check transaction. if p ant is processed as an electronic fund transfer the transfer willbe for the amount of atch-A. When we use information from your check to make an electronic "kunsler funds maybe 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 son the payment to cmy other address or if you use an envelope other tlwn the one provided. Payments received in proper form at our processing facility by5PM local time on any day will be crodited to your Account as of that day. Payments received at our processing focili after 5PM local time will be credited to your Account as of the next day, if you have misplaced your envelope, send your payment to Discover PO Box 6103 Carol Stream, IL 60197-6103. Please allow 7.10 days for delivery. If yourpayinenl uTaturned unpaid, we reserve the rightt to resubmit'it as an electronic debit: 9322205 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION ®ISCOVEK You can pay your scheduled monthly payment r a reater amount that does not exceed your current Account balance over 16 telephone or you can setup automatic IS nts through a customer service represeMdive by rafting 1-8003W-2683. rM deon the ant Due est a t dlChoi occurs before your a ss ent and your bank account information. You wilt be asked to provide the lost tour {4) digits of tfre sacral security number of the primary borrower By providirt$ Chase numbers as your alectrantc signature, you will be rsgraeing to this bank accoura. You also orditorize us to iniliolii debit or credit entries to your bank account, as a?rcable, to correct an error in the processing of such payment. You can e?cet a scheduled payment by phone at 1.80011 -02,683 or by mail at Discover- PO Box 30421 Salt lake City, UT 0413OL0421 however we must receive notice at least three business days in advance of dre scheduladpoyment. 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 Mill 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 erwugh to cover the Minimum Payment Due as listed on your monthly billing Ootement, 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 amounil icy be less than the amount indicated on the periodic statement based on credits or payments after the Closing Dole. If you erwolf by phone in our automatic payr7%fnl service, please fill-in the following blanks below and retain the authorization for your records. Amount: ? Full Pay ? Min Pq? ? Min Pay + Bank Routing #: t Bonk Account #: Frequency:______. C.m& e . We may report information about your Account to credit bureaus. Late payments, missed payments, or other defauMs on yax Account may be raft in your credit report. We normally report the status and payment history of your Account to credft reporting agencies h month. If you believe that our (re art is inaccurate or incomplete, please write us at the (slowing address: Discover- PO Bok 15316, Wilmington, DE 19850-5316. Please indicate your name, address, home telephone number and Account number. Pay rng Inbresb We begin to impose intaresFjcharges on a transaction fee or Interest charge from the day we add it to the daly bdarrca, We continue to impose irite?e)tt charges until you pay t?ro total amount you owe vs. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest on Balance Transfers or Cash Advances- How to Avoid Pa in Interest on Purchases f scarce Period] on your prey c billing statement by the Payment Due Date shown on that billing statement, we if you paid The New Beta we'll not impose interest charges on new Pu $as or any ppodion of a new Purchase, paid by the Payment Dun Dole on your current bf ring statement. New Purchases arPurc)tases that first appear an the cvrrenF billing statement. How We A006 Parrots May Impact Your Grace Period R you do not pay Y. New Balance in h mori , then, depending on the balance to which we apply your payment, you may not get a grace period on new FuMiases. How We Calculate Werest Charges Daly lalwe hdetod (including current transactions): We calculate interest charges each bill'mg period by first f' wring Ihs tai balance` for each Transaction Category . Transaction Categories include standard Purchases, standard Cash Adva and different promotional balances, such as Bolonce Transfers. How We Figurs the Daily Balance for Each 1}wsodion Category We start with the be?inning bakxrce) for each dayy. The beginning balance for the first day of the billing period is your balance on Cho ast day of you f(preyious,billing period We add any interest charges acctvf on the previous day's daily balance and any now transactions and fees. We odd arty new kansac8ons or Fees rof the later of the Transaction Date or the first day of the billing period in which the lronsadion or Fee posted your Account. We subhad any new credits and eats. • We make other adjustments (indudF those adjustments required in the "Paying Interest" section). How We Figure Your Total Interest Charges We multiply the dally balance for h Transaction Category by its daily periodic rate. We do this for each day in the biUirg period. This gives uz the rterost charges for each Transaction Category. to get a daily periodic role, we divide iha APR that applies to Transaction Category by 365. We add up all die daily interest c es- The sum is the total interest charge for the billing period. How We Include Fees We add Balance Transfer Fees to the oppP ble Balance Transfer Transaction Category. We add Cash Advance few to the appkable Cash Advance = ion Category. We add all other fees to the standard Purchase Transaction GCaaltegory. Balance Subject to IrQoest Rate. Your ant shows a Balance Subject to Interest Rate. It shows this For each transaction category. The Balance Subject (o Interest Rate is the average of the daily balances during the billing period. Cmdiit Balances. If yore Account has a c it balance, the amount is shown on the honer of your billing statement. A aedR balance is money that is owed b . You may make charges against this amount if your Account is open. We will send you a refund of any r oining balance of $1.00 or more after 6 months, or as otherwise required by applicable law. For TDD (To lecammunicasions Device for 1111 Deaf) assistance, please call 1-800-347-7449. Discover may monitor and/or record telep calls between you and Discover representatives for quality assurance purposes- The Discoverocard is issued by Discover Dank, Member FDIC 9322205 RZNFE001 QUesfllofns? Visit www.D• -cam or DISCOVER cajj 1-800-DISCOVER (t -800-3 , -26831, F_ - DISCOVER New Balance I Minimum Payment Due Ac: ount Number ending in 1856 $9,577.06 1,560.04 Enter Amount Enclosed Below Payment Duo Date 0 1 M $ ay 2, 2 11 Please make check payable to Discover Card. Minimum payment due includes a past due h amount of $1,280.00, P one and internet payments must be made by 5:00p,n ET For same 17 SDSN6A01 0004341 day posting. LEEANN BROWN Access and manage ymr account at www.Discover.com or visit m.drsc:over.com 1234 BENT CREEK BLVD an your mobile phnnP_____ MECHANICSBURG PA 17050-1859 PO BOX 71084 111614 lItIIIIIIIIIIIIIIIII fit 11 CHARLOTTE NC 2827Z-1084 Address, e-mail or lefephone changa2 I 1.II„IIrIr,,Illl,,,l„I,=], ll ,i„!r,l,I ,il Go to www.Discavwxont or print change in space above. , 00000198645A515494090095770600000000156000 17, 2011 page 1 of 2 "ning Date: Marco 18, 2011 - Closing Data: April Discover More Card Account Summary Account number ending in 1856 Previous Balance $9,302.18 Payments And Credits 0.00 Purchases 4- 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Fees Charged + 35.00 Interest Charged _ + __ 239.88 New Balance $9,577.06 See Interest Charge Calculation section following transactions for detailed APR information Credit Line $8,300.00 Credit Line Available $0.00 Cash Advance Credit Line $4,200.00 Cash Advance Credit line Available $0.00 You may be able to avoid Interest Charges, sea Additional Important Information for details. Cashback Bonus' Anniversary Month February Opening Cashback Bonus Balance $ 0,00 Now Cashback Bonus This Period + 0.00 Cashback Bonus Balance ` -- $ 0.00 To learn more, tog in at www.0i"ovor.coni Easy Ways to Contact Us Payment Information New Balance $9,577.06 Minimum Payment Due" $1,560.00 Payment Due Date May 12, 2011 Includes past due amount of $1,280.00 Lots Payment Warning: If we do not receive your minimum payment by the dote listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to Ike Penalty APR of 29.99% Yoria6le. 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: 7rt iy 9 t14r da w11(pg s iP1F Am-Roc1 unit O d?ttfo,?pl cTrgrgefs? b,sldr?ea?ti4v ufy,?n8 on. lQ flit{aCrl aad< tGts efajinenf l:a< bt1i',.kad tatak of ; Only the minimum 36 years $45,687 payment I _t -1 If you would like information about credit co,mselirx3 services, call 1-800-347 1)21 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 11.800.347-26831 to pay down your balance, securely access siaiements, pay Please have your DiscoverO card available. bilfs online and easily track all transactions 3. Write to us at Discover PO Box 30943, Sal Lake City, UT 841 r30 (Not a payment address] • Make your money worth more 5M-find easy ways to earn for payments, please send to address on remittance or and redeem cash rewards Discover PO Box 6103, Carol Stream, IL 60 1 97-6 1 03 NEWT Access your account securely through your For TDD (Telecommunications Device for the Deal mobile phone assistance, please call 1-800-347-7449. 13322206 - Transadions Trans. Post Date Data Fees Apr 12 Apr 12 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD 35.40 interest Charged INTEREST CHARGE ON PURCHASES $ 161.74 INTEREST CHARGE ON CASH ADVANCES 78.14 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC*VER Palperless statemeots mean less clutter, more convenience Easily access up to 24 months all downkociable, password protected statements. See your statement as soon ts irs available rather than wait for it to arrive in your mailbox. • Get helpful payment remints through einail or text messages on your mobile phone. • Print a paper copy of your slarement anytime. i - Sian up today at Discover,rijnjpoperless I (02010 Dhcowv &mk, Member FDIC I PAPM0310 Transactions Trans. (cont. Hate toterest Charged TOTAL INTEREST FOR THIS PERIOD S 239.88 2011 Totals Yea0o-Date TOTAL fEES CHARGED IN 2011 TOTAL INTEREST CHARGED IN 2011 $ 140.00 897.53 9322205 {questions? visit ww call 1-800-DISCOVER (1 XOM or DISCOVER W O m z b 0 0 P A A T IJISC VER I'iayxt IEEANN BROWN Account number ending in 1856 page 2 oF2 Interest Charge Calculation Your Annual Percentage Rote (APR} is the annual interest rate on your account. Current Billing Period: 31 days TYPE OF BALANCE dIERESI_C"Acc E RA PR INTEREST RATE Purchases 29.99% V $6,349.96 $161.74 Cash Advances 29.99% V $3,067,77 S78.14 V = Variable Rate Information For You " ` ATTENTION ' ` r Your account is seriously past due. Payment of the amouni due and arrangements for future payments should be made Immediately- Additional Important Information See your Cardmember Agreement. Your Corcimember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediatelyl Call 1-800-347-2683. What•To Do tF You Think You Find A Mistake On Your Statement- If you think there is on error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84 1 30-04 2 1 In your letter, give us the Wowing Information: Account information: Your name and account number • Dollar amount. The dollar amount of the suspected error Maiptian of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe o misiaco You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in writ' _ . You may call us, but if you do we are not required to inyasiigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following ore true: • We cannot tryto collect the amount in question, or report you as delinquent on that amount. The charge in gue$h may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine f l 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 fnuegood faith to correct the problem with the merchant, you may have the right not to pay the remaining amount d on the purchase. To use this right, all of the following must be 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 an an advertisement we mailed to you, or if we own the company that said 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 ore sfill dissatisfied wiih the porchxrse, contact us in writing al: Discover, PO Box 30945, Sall Lk. Ci yf , 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. Payrnenfs, You may yy all or part of your Account balance of any time. However, you must pay of least the Minimum Payment Due by the Pppaa c!ymenl Due Dale. Send only your payment and the top portion of this statement in the envelope provded. Do not send cash. By sending your check as described above, you authorize us to use information on your check fo make an electronic fund transfer from your account at the financial institution indicated on your check or to process the pay?rrenI as a check transaction. If pa ment 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 same day we receive your payment, and you will not receive your check back from your financial institution. 71re pressing of your payrnerrt may loo delayed if you send cash, corresponderxe or then items with your payment, if you send ifsa payment to Dry offrar address or if you use an envelope ocher than the one provided. Payments received in proper form d ou proceuing t«ility 6y 5PM local time an any day will be credited to your Account as of that day. Payments received at our pr«essrng tastily aher 5PM local time will be credited to Account as of the next day. IF you (have mfsplacad your ersvefope, send your payment to Discover, PO Box 6103 oral Stream, Il 60 1 97-6 1 03. Please allow 7-10 days for d livery. If your payment rs returned unpaid; we reserve the rig(it to resubmit it as an electronic debit. 9322205 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DIRW-ER You can pay your scheduled monthly payme: or a grader amount that does not exceed your current Account balance over the telephone or you can selup ouloawlic ants through a customer service representative 6y calling 1-80t}347-2683. Automatic payments will be deducled on oyment Due Date unless you request a payment dale that occurs before your Payment Due Dole. If your scheduled pa dote 1616 on a weekend or bank hall ay, your payment will be processed the business day Prior to ilia weekend or bank liday. In order to schedule monthly payments by telephone, you will need this statement W your bank account iniormaf" ' . You will be asked to provide the "last Four (4) digits of the socwl security number of the primary borrower By provid' those numbers as your electronic signature, you will be agreeirq to this 6" account. You also orthcirize us to inid*e debit or uedit en?cies to your brink account, as icable, to correct'an error in the processing of such payment. You con to" a scheduled payment by phone at 1-800.34 . 683 or by mail at Discover. PO Box 30421, Salt Lake City, UTIB4130-0421, however we must receive notice al least three business cloys in advance of the scheduled payment. If your prianis may vary in amount, we will tell you on each monthly statement when your payment will he mode and how much wit be. You must ensure that sufficient funds are available in your bank account, and all transactions must comp) U.S. law. If your scheduled payment is not enough to cover the Minimum Payment Due as listed on your monthly WIN statement, you will be responsible for paying the rrifference. IF the scheduled payment is greater than the Minimum Payment Due any excess will be applied in accordance with your Cardmember Agreement, Your outomatic payment amount may 6 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 filLin the following blanks below and retain the outhorization fax your records. Amount. ? Full Pay ? Min fifty ? Min Pay+ S-_-__----- -------_ Bank Routing i Bank Account Frequency:-- Cced# Reporli ng. We may isport infumatiaS about your-Accaurt to credit bureaus. Lola paymenh, missed payments, or other defaults on your Account maybe r in your credit rapwt We normally report the status and payment history of your Account b credo reporting agencies h math. If believe thol run report is inaccurate or incomplete, please write us at the following address: Discover. PO x 15316, ilmington, DE 19850-5316. Please indicate your name, address, home telephone number and Account number. Paying Interest We begin to impose intere? charges on a transaction fee or interest charge From the day we add it to the daily balance. We cotmue to impose int charges until you pay f e total amount you owe us. You can avoid paying interest on Purchases as described below. wever, you cannot avoid paying interest on Balance Transfers or Cash Advances. How to Avoid P ing Interest on _Purchases! Cxace Period" you pa re Now balance on your prey i 'ng statement by the Payment Due Date shown on that billing statement, we win ref im?ppoose interest charges on new Pur hoses or arty portion of a new Purchase, paid by the Payment Due Date on your current bi ng statement. Now Purchases o liurc )ases that first appear on the current billing statement. How We Apply Payments May Imnad Y-Cxace Period if you not pay your New balance to tull mart a, n, depending on the balance to which we apply your payment, you may not gat a grace period on new Pit. rinses. How We Cakulote Were st Charges Daly amts Method (uiclud'atg current transrsctions)- We calculate interest charges each billing period by lust figguring the "d balance" For each Transaction Category. Transaction Colegories include standard Purchases standard C"rs Advane and different promotional balances, such as Balance Transfers. How We Figure the Daily aafance for Eodr nenzpclipt CaMgory We skirt with the beginning balonrcb for each day. The beginning bakrica for the first day of the billing ponied is your balance on the last day of.yov{ previous billing period • We add any interest charges ac ' on the previous day's daily balance and any new transactions and fees. We add airy new trap adions a s of the War of the Transaction Date or the first day of the billing period in which the transaction or Isis post o your Account. We subtract any new credits and arts. We make other adjustments (includ g those adjustments required in the "Paying Interest" section). How We Figure Your Total Irterost Chanjo We muhiply the daily balance for Transaction Category 6y ih daily periodic rate. We do this for each day in the biNin? period. This gives us interest charges for each Tranwction Category. To get a daily periodic rate, we divide the APR that applies to 4 is Transaction Category by 365. We add up all the daily interest chi ges. The sum is the total interest charge for the billing period. How We "do Fees We add Balance Transfer Fees to the appl 8alonce Transfer Transaction Calegory. We add Cash Advance Fees to the applicable Cash Advance 7rarlean Category- We add all other fees to the standard Purchase Transaction Category. Balance Subject b Interest Rata. Your sta>?ment shows a Balance Subject to interest Rate. It shows this For each transaction category. The Balance SubjeeccttJ)Fo Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a rawh balance, the amount is shown on the front of your biding statement. A credit balance is money that is owed to' You may make charges against this amount if your Account is open" We will send you a refund of any fining balance of $1 . or more after 6 months, or as otherwise required by applicable law. For TDD (lofecorrununkations Device far 4 Wall) assistance, please call 1-800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives For quality assurance purposes. The Discoverocard is issued by Discover ?A, Member FDIC RZNEE001 9322205 i Qvestflans? Visit www.Disc .cats or R (1.800 DISC*VEIZ call 1-800-DISCOVE l t77- F---- DISC?D Now Balance Minimum Payment Duej Account Number ending in 1856 V E9 $9,850.95 L?$1,8d8.o0 i Enter Amount Endosed Below Payment Due Date June 12, 2011 l Please make check payable to Discover Card. Minimum payment due includes a past due amount of 31 560 00 Phone a d i t t . , . erne n n payments must be made by 5..00pm ET For same 17 SD.SN6A01 0004342 day stin and manage your account at LEEANN BROWN www,Discover.com orvisd tn-diswver.com 1234 BENT CREEK BLVD on your mabilephone. C ICSBURG PA 17050-1859 _ PO BOX 71084 11111A1rrnn111Is IIrr1311 CHARLOTTE NC 28272-1084 Address, emoil ortelephone change? 1 ! Go to ln lrff,r,L,61i,1llllir,li1lnlt,lLrlt?lrll 11211 wcom or print change in space above. ??00019864585154940900985?950001J????Jr84811? Opening Date: April 18, 2011 Closing Nte: Moy 17, 2011 Discover More Card Account Summary Account number ending in 1856 Previous Balance $9,577.06 Payments And Credits 0.00 Purchases + 0.00 BatanceTransfers + 0.00 Cash Advances + 0.00 Fees Charged + 35.00 Interest Charged + 238.89 New 8alanca $9,850.95 See Interest Charge Calculation section following transactions for detailed APR information Credit line $8,300.00 Credit line Available $0.00 Cash Advance Credit line $4,200.00 Cas6 Advanco Credit line Available $0.00 You may be able to avoid interest Charges, sea Additional Important Information for details. Cashback Bonus" Anniversary Month February Opening Cash6ack Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Ealanca $ 0.00 To team more, by in at www.Di3cover.com page i of 2 Payment Information New Balance $9,850,95 Minimum Payment Due' $1,848.00 Payment Due Date June 12, 2011 'Includes past due amount of $1,560.00 Late Payment Waming: 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 29.99% varia6le. Minimum Payment Waning: IF you make only the minimum payment each period, you wig pay more in interest and it will take you longer to pay off your balance. For example: E,uMrtgTno ltatx .' µayaff Ifte ?"4t abr" '"'. ?thQitglCI1G1?BOS laa1pt12?f}tElYtrfi6?t ?lT lrsg thik carri;and t111?1?1et?!c! er#chpted iotaf`v? eac31 m?srtffv?rru}?6?. ahauI= Only the minimum 36 years $45,943 payment It you would like information about credit counseling services, call 1-800.347.1121 Easy Ways to Contact Us Manage Your Account Online at www.Discover.com 1 Access your account securely at www.Dkcaver.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, Sok take City, UT 84130 (Not a payment address) Make your money worth moresm-find easy ways to earn For payments, please send to address on remlitance or and redeem cash rewards Discover PO Box 6103, Carol Stream, 1160197.6103 NEWI Access your account securely through your For TDD (Telecommunications Device for the Deal) mobile phone assistance, please call 1-800.347.7449. 83=2306 Transactions Trans. Post Date Dab Fees May 12 May 12 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD 35.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 161.36 INTEREST CHARGE ON CASH ADVANCES 77.53 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC®VEtt I 1t Pnr%Pr1pcc ctnte-+mpn? mo-nn lac,. Aiffnr_ mnrp rnnvPneannP Easily access up to 24 months of dgwnloodable, password protected statements. • See your statement as soon as 4's available rather than wait for it to arrive in your mailbox. • Get helpful payment remindersItlrough email or text messages on your mobile phone. • Print a paper copy of your statdment anytime. 1 • Sign up today of viscover.comApaperfess I ®2010 Oiscov, 8-1, M-6- FDIC i PAPERA310 1 Transactions Trans, Po (cont.) Date Interest Charged TOTAL *MREST FOR THIS PERIOD $ 238.89 2011 Totals Year-to-Date j TOTAL FEES CHARGED IN 2031 $ 375.00 TOTAL INTEREST CHARGED IN 2011 1 33&&2 I 1 9322205 I I ) 1 Questions? v;sit VANW.Disc > call 1-800-DISCOVER (1-800-3.7 DISC*VER r.com or -2683). a) d Z D 0 0 0 P N DISCOVER F i It Pays to LEEANN BROWN r bfTw Account number ending in 1856 puga 2 of 2 interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current 8iling Period. 30 days __ I]tPE OF RAIANCF AI PERCENTAGE F CI T Tn p4TFpsc7 CHARG; TE _ INMEST RATE RATE ( APAj NTERES RATE Purchases 29.99% V $6,546.45 $161.36 Cash Advances 29.99% V $3,145.59 $77.53 V = Variable Rate Information For You " • ATTENTION "' Your account is seriously past due. Payment of the amount due and arrangements to( future payments should be made immediately. Additional important information See your Cardmernber Agreement. Your Cardmamber 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 A44Nke 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. • Dofor amount. The dollar amount of the suspected error P• cri iron of Problem: IF you think there is an error on your bill, describe what you believe is wrong and why you believe is a mista te. You must contact us within 60 days after the error appeared on your slalom ant. You must notify us of any potential errors _"" wrifi?. 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 gueslion 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 dim it. 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 mites of your current maifigg address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based -non 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 wrih_ng oh Discover. PO Box 30945, Salt Lake City, UT 84 1 30-094 5 While we investigate, the same rules apply to the disputed amount as discussed above. Aber we finish our investigation, we will tell you our decision. At that point, if we think you owe cin 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. B sanding your chock as described above, you authorize as to use information on your check to make an electronic fund transfer from your account at the Financial institution indicated an your check or to process the pcwend 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 fiend 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 procmuiny of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment to way other address of iF Nov use an omalopa other than the one provided. Payments received in proper Form "" ur processing tactility by 5PM local fime an any dayy oil) be credited to your Account as of that day. Payments received aF our processing facility elan 5PM focal time wnlE be credited to your Account as of the nerd day. If Nov have misplacad your envelope, send your payment to Discover, PO Box 6103 Carol Stream, fL 60197 103. Please allow 710 days F. delivery. If your payrrrert isTeturrted unpaid, we reserve the rig?it to resubmititas an electronic de6ii: 9322205 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC*VER You can pay your scheduled man the telephone or you can setup m Automatic pa eats will be dedu Payment Due Date. If r sched business day riot to the weekend statement a your bank account number of the primary borrower or a greater amount that does not exceed your current Account balance over rents il"16 a customer service representative by calling 1-800.347-2683. symant Due Data unless you request a payment date that occurs before your date falls on a weekend or bank holiday, your paayyment will be processed the day. In order to schedule monthly payments by telephone, you will need this You will be asked to provide the last four (4) digits of the social security j those numbers as your elodr?nic sigrwture, you will be agreeing to this bank account. You also authorize us to in' debit or credit entries to your hank account, as a icable, to correct an error in the processing of such payment. You ca cancel a scheduled payment by phone at 1-800-347-*2683 or by mail cd Discover, PO Box 30421, Salt take City, iJ 8 4 1 3404 2 1, however we must receive notice of 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 willbe. You must ensure that sufficient hinds 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 Pavastint Due any excess will be applied in accordance with your Cardmember Agreement. Your automatic payment amount may 6e lass than thn amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic pay odd service, please fill-in The following blanks below and retain the authorization for your records, Amount: ? Fun Pay ? Min qay ? Min Pay + Bank Routing N: ; Bank Account #: Frequency: Credff Rapor-rg. We may report informali about your Account to credit bureaus. late ymenis, missed payments, or other defaults on your Account may I» re in your credit report. We normally report I?ha status and payment history of your Account to credit reporting agencies ch month. If u believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO x 15316, ilmington, DE 1 98545 3 1 6. Please indicate your name, address, home telephone number and Account number Paying Interest: We begin to impose interest charges on a transaction, fee or interest charge from the day we add it to the daily balance. We continue to impose interest charges until you pay the total amount you owe us. You can avoid guying interest on Purchases as described below. Hawever, you cannot avoid paying interest an Balance Transfers or Cosh Advances. How to Avoid Mn 2n t on Purchases p'Groce Period" you paid the New Balance on your prevulus billing statement by the Payment Due Date shown on that billing stalement, wo win not impose interest charges on now Put hoses or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement. New Purchases a is Purchases that first appear on the currerrf biting statement. How We Aoply Payments May Impact Yoy Grace Period If you do not pay your Now Iscilance in FuR' month, en, depending on the balance to which we apply your payment, ouch you may not get a grace period on new Purchases. Now We calculate Interest Charges Doiyt a ifd Fdiod (including current transactions): We calculate interest charges each billing period by first figuring the "dot y balance' for each Transaction Category. Transaction Categories include standard Purchases, standard Cash Adva ' t and different promotional balances, such as Balance Transfers. Now We figure the Daily Balance for Earls Kronsoctian Category We start with the f?yinning bakarc for each daayy. The beginning balance for the first day of the billing period is your balance on tha7ast day of yo_ -previous billing period. We add any interest charges accrtf on the previous day's daily balance and any new transactions and fees. We add any new transactions or trees of the later of the Transaction I)afe or the firs] day of the billing period in which Nre hansadion or fee posted o your Account. • We subtract any new credits and payments. We make other adjustments (includ those adjustments required in the "Paying Interest" section). How We Figure Your Total We multiply the daily balance For ' Transaction Category by its daily periodic Fate. We do this for each day in the billing period- This gives us t interest charges for each Transaction Category. To get a daily periodic rate, we divide the APR that applies 101 Transaction Category by 365. We add up al the daily interest c es. The sum is the total interest charge for the billing period- How We Wuds Fees We add Balance Transfer Fees to the 7p) able Balance Transfer Transaction Category. We add Cash Advance Fees to The applicable Cash Advance Torn ion Category. We add all other foes to the standard Purchase Transaction Category. Balance Subject to Inrtaiest Rate, Your si•,-t4;ment shows a Balance Subject to Inter" Rate. It shows this for each tronsaction category. The Balance Subjectlo Interest Rote is the average of the daily balances during the billing period. Credit Balmsces- If your Account has a cr it balance, the amount is shown on the rant of your billing statement- A credit balance is money that is owed tolou. You may make eharyas against this amount if your Account is open. We will send you a refund of any r ining balance of 51.00 or more after 6 months, or as otherwise required by applicoble law. For TDO f To6communications Device for d1?s Deaf) assistance, please call 1-800-347-7449. Discover may monitor and/or record tele14sone calls between you and Discover representatives for quality assurance purposes. i The Discover'ecard is issued by Discover Blank, Member FDIC RZNFEOai 9322,205 Questions? visit www.Dis .ccm or [)ISC??/?R calf 1-800-DISCOVER (1-800-34 -2683. DISCOVER New Balance Minimum Payment Due Account Number ending in 1856 $0.00 112.4a00 _.__--_ _ __--_I Enter Amount Enclosed Below Payment Due Date July 25, 2011 30 SDSN6AOl 0004343 LEEANN BROWN Access and manage your account at www. Discover.com or visit m.discovercom 1234 SENT CREEK BLVD or? your mobile phone- - -- 1PIECHANICSBURS FA 17050-1859 pO BOX 6103 Illrrrllrurrllrll,rrlrrlll CAROL STREAM TL 60197-6103 Address, email or telephone change? I Ilit{{unnl{{rinlu?l,lln?rillllnirrllelluu?Ilnlrill Go to www.Discovar.com or print change in space above. ' 00000198L458515494090000000000000000244900 Opening Dade: June 18, 2011 - Closing bade: June 30, 2011 Discover More Card Account Summary Account number ending in 1856 Previous Balance $10,139.97 Payments And credits 10,139.97 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances f 0.00 Fees Charged + 0.00 Interest Charged + 0.00 New Balance $0.00 See Interest Charge Calculation section following transactions for detailed APR information Credit Una $8,300.00 Credit Line Available $0.00 Cash Advance Credit line $4,200.00 Cash Advance Credit line Available $0.00 Cashback Bonuse Anniversary Monlh February Opening Cashback Bonus Balance $ 0.00 New Cashbock Bonus This Period + 0.00 CaJdxwk Bonus Balance $ T 0.00 To 6mn un , log in a www.Oiscovor com page 1 of 2 Payment Information New Balance $0.00 Minimum Payment Due $2,449.00 Payment Duo Data July 25, 201 1 Late Pwpuent Worningi If we do not receive your minimum payment by the dale listed above, you may have to pay o 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 29-99% variable. Manage Your Account Online at www.Discover.com • Securely access statements and free ordine tools, pay bills online and track and view all transactions simply and easily • Make your money worth more W-find easy ways to eam and redeem cash rewards • NEW! Access your account securely through your mobile phone 3 Easy Ways to Contact Us I Access your account securely at www.Discover.com 2. Call 1-800-DISCOVER 11.800-347-268 31 Please have your Discoverwcard available. 3. Write to us at Discover, PO Box 30943, Salt lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Card Stream, It 60 3 97-6 1 03 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449. Transactions Trans. Past Date Data Payments and Credits Jun 30 Jun 30 INTERNAL CHARGE-OFF $ 10,139-97 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged TOTAL INTEREST FOR 7MS PERIOD- $ 0.00 2011 Totals Year-to-Dcae TOTAL FEES CHARGED IN 2011 TOTAL INTEREST CHARGED IN 2011 9322205 210-00 1,390.44 NOTICE. SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISCOVER i --j Paperless statement: mean less clutter, more convenience • See your statement as soon ?s if's available rather than wait for it to arrive in your mailbox. • Gel helpful payment remindbrs through e-mail or text messages on your mobile phone. • Print a paper copy of your tement anytime. Sign up today at Discover.cot f paperless I 1 02010 D,-, Ba k: M-1u FOIL PAPFIL0310 y D to z A 0 0 0 0 P W A W N X U t 9322205 j I Questions? visit ww calf 1 800 DISCOVER (1 DISCOVER or DISCOVER I If pays w T tEEANN BROWN i-ISSCOVEW -i Account number ending in 1856 Page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Billing Periad: 13 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE IIIATE [APR) -ANIEREST LQFE Purchases 29.99% V SO $0 Cash Advances 29.99% V $0 $0 V = Variable Rate Additional Important Information See your Cordmember Agreement, Your Cardmember Agreement contains all the terms of your Account- fast or stolen cards. Report immediatelyl Call 1-800-347-2683. What to Do If You Think Yov Find A Mistake On Your Statement If you think there is an error onyour statement, write to us at: Discover, PO Box 30421 Salt Lake City, UT 84 1 30-0 4 2 1 In your letter, give us the following information: Account information: Your name and account number Dollar amount: The dollar amount of the suspected error. Description of Problem: If you think there is an error on your bill, describe whatyouu-beiieve is wrong and why you believe it is a mista?te. - You must contact us within 60 days offer 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 paya amount in question. While we invosligo a whether or not there has been on error- the following are true' We comnal 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 at 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 DissatisRed nth Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have bled in good faith to correct the problem with the merchant, you may have the right not to pay The remaimrg amount due on the purchase. To use this right, aA 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 lire 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 due purchase. If all of the criteria above are met -rid are still dissatisfied with the purchase-, contact us in wrio at: Discover, PO Box 30945, Salt Lake Ci?y 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 os delinquent. Payments. You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum Payrrnent Due by the Payment Na Date. Send anfy your payment and the by portion of this statement in the envelope pprovnded. Do not send cash. BL sending your check as described above, you authorize us to use information on your check fa make an electronic fund transr 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 forlhe amount of ht a cfneck. When we use information fence your check to make an electronic fund transfer funds may be withdrawn from your account as soon as the same day we receive yaw 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 sand the payment to anyy other address or if you use an envelops. 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. Paymorts received at our processing facdily 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 relumed unpaid, we reserve the right to resubmit it ors 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 re resertative by calling 1-8 0034 7-2 68 3. Automatic payrnants will be deducted on Ilia Payment Due Date unless you request a pprryment date that occurs before your Payment Due Dale. If your scheduled payment date Galls on a weekend or It holiday, your pay?nant 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 win be agraeinglo this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected 6y you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as a piicable, to correct an error in the processing of such payment. You can cancel a scheduled paymert by phrxie at 1-800-347-2683 or by mail at Discover PO Box 30421, Salt Lake City, UT 84130-0421, however we must receive notice al least three business days in advance of the scheduled poyrnenl. If your payments may vary in amount, we will tell you on each monthly statement when our lent will be made and how much it will be. You must ensure that sufficient funds are available in your hank ail transactions must comply with U.S. low. If your scheduled payment is not enough to cover the Minimum ayman as listed an your monthly billing statement, you will be responsible for paying the tfferance. If the scheduled payment is greater than Ilia Minimum Payment Due any excess will be applied in accordance with your Cardmember Agreement. Your automatic payment amount may 6e lass than the amount indicated on the periodic statement based on credits or payments after the Closing Date. 11 you enroll by phone in our automatic payment service, please Win the following blanks below and retain the authorization for your records. Amount: ? Fur pay ? Min Pay ? Min Pay + $ Bank Routing #:__ Hank Account #:_ _, Frequency: _-__y NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC*VER Credit Reporting. We may report informaii other defaults on your Account may be reg your Account to credit reporti9 agencies a us at the following address: Discover, PO I home telephone number and Account numl P Interest We begin to impose infere datlance. We conlnrwe to impose iota interest on Purchases as - n - be o Advances. about your Account to credit bureaus. tote payments, missed payments, or In your credit report. We normally report the status and payment history of h month. IF believe that our report is inaccurate or incomplete, please write x 1531 b, ilmington, DE 19850-5 3 1 6. Please indicate your name, address, charges on a transaction fee or interest charge from the day we add it to the charges until you pay t(te tolal amount you owe us. You can avoid paying oweveerr yew canna ovoid paying nn ere on elan Trans errs or as How to Avoid Pa in Interest on Purchases C . Period" If) ou pat the Now balance on your previ s i ing s ement by the Payment Due Date shown on that billing statement, we wfll not impose irderesf charges on new Purt ses or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement New Purchases ar$ Purc6sets That first appear on the current billinq statement, How We Apply Payments May Impact Y0-;Grace Period yo(f- u do not pay yoarTlew Ba once m V aae month, theo, depend+ng on the batorce to which we apply your payment, you may not get a grace period on new Purchases. flow We Calcukde interest Charges Da11y4afmxe hiethad jincluding current transactions): We calculate inlorest charges each billing period by first figguring the der bolance" for each Transaction Category. Transaction Categories include standard Purchoses, standard Car and different promotional balances, such as Balance Transfers. How We ttgure the Daaly Balance for Each iransaclion Category We start with the beginning boloncef for each day. The beginning balance for the first day of the billing period is your balance an tl» last day of you previous billing period We add any interest charges acc on the previous day's daily balance and any new transactions and fees. We add anyy 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 your Account. • We subtract any new credits and ants. We make other adjustments (inekrdf those adjustme ds required in the "Paying Interest" section). Hoe We Figure Your ToW Interest Charges; • Wa multiply the doily balance for e4ch Transaction Category by its daily periodic rate. We do this For each day in the biIIt7u,? period. This gives us the Merest charges For each Transaction Category. To get a dairy periodic rate, wo divide the APR that applies to 1h4 Transaction Categoryby 365. We add up an the daily interest eh s. The sum is the total interest charge for the billing pariod- flow We Include fees We add Balance Transfer Fees to the appl able Balance Transfer Tmnsodion Category. We add Cash Advance Fees to the applicable Cash Advance Tr ion Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your sl ant shows a Balance Subject to Interest Ride. It shows this for each transaction category. The Balance Subject Interest Rate is the average of the dairy balances during the billing period. Credit balances. If your Account has n et balance, the amount is shown on the front of your billing statemerd. A credit batartee is money Ilion is owed to You may make efwrgas against this amount it your Account is open- We will sand you a refund of any. . I ning balance of $1.00 or more after 6 months, or as otherwise required by applicable law. For TDD 1Talecemm?rnicetions Device for the) Deaf) assistance, please call 1-800-347-7449. Discover may monitor and/or record telep6bne calls between you and Discover representatives for quality assurance purposes. The Discoverocard is issued by Discover Bank, Member FDIC RZNEEOO t 9322205 Questions? Visit www.Disco •cam or cal! 1-800-DISCOVER (1-800-344-2683). DISCOVER New Balance t Minimum Payment Due 0 Account Number ending in 1856 DISCOVER $10,139.97 1$10,139.97_ Enter Amount Enclosed Below Payment Due Dale C August 10, 2011 l- Please make check payable to Discover Card. Minimum po end due nrndudm a st due 549 00 h ' amount of . . P one and internal ils must be made by5:00pm ET for some ; 15 NN m Tired iIbuyingstamps?GomoblletMace LEEA NBROWN and schedule payments from your phone 1234 BENT CREEK BLVD with the Discover app. lrs Fast and it's free. - -?+tEC 11(1151.1-11 359 ;tx1VdpP5 PO BOX 6103 IIlr.rflaarillilrlrrlr.ll CAROL STREAM IL 60197-6103 ff Address, e-mail or telephone charge? lrl?u?laan?l?rlu?ur?r??unn?lllinn'?rElnnrlhutn?? Go to www.Discover.com or print change in space above. 00000198645851549409010139970x00000101399'1 Opening Date: July 1, 2011 Closing Date: July 15, 2011 Discover More Card Account Summary Account number ending in IS 56 Previous Balance $10,139.97 Payments And Credits 0.00 Purchases + 0.00 Balance Transfers + 0-00 Cash Advances + 0-00 Fees Charged + 0.00 Interest Charged + 0.00 New Balance $10,139.97 See Interest Charge Calculation section following transactions for detailed APR information Credit Line $8,300.00 Credit Line Available $0.00 Cash Advance Credit line $0.00 Cash Advance Credit Line Available $0.00 Cashback Bonuse Anniversary Month February Opening Cashback Bonus Balance $ 0.00 Now Cashback Bonus This Period + 0.00 Cashback Bomrs Valance ---- $ 0.00 To Learn more, log in d www.Disco~.com 3 Easy Ways to Contact Us 1 Access your account securely at www.Discover.com 2. Call 1-800-DISCOVER I1-800.347.2683 Please have your Discover®card availab e. 3. Write to us of Discover, PO Box 30943, Salt lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please coil 1-800-347-7449. page 1 of 2 Payment Information New Balance $10,139.97 Minimum Payment Due $10,139.97 Payment Due Date August 10, 2011 `Includes pad due amount of $2,449-00 Fate Payment Warning: IF we do not receive your minimum payment by lhre dde listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs For now transactions may be increased up to the Penalty APR of 29.99% variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance- For example: Fle?in`F?; f£da-,i?fcY,?„tttx-aa ? ? ? , Itrtg'?? 1.liirya7afeme?ltio ??q TOt a?o? uf! Only the minimum 10 years $10,140 Payment If you would like Information about credit counseling services, call 1-1300-3471121 Manage Your Account Online at www.Discover.corn • Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay 1N s online and easily track all transactions • Make your money worth mores'"-find easy ways to earn and redeem cash rewards • NEW1 Access your account securely through your mobile phone Transactions 9322205 Deft Date Fees TOTAL FEES FOR THIS PERIOD $ 0.00 interest charged TOTAL INTEREST FOR THIS PERIOD $ 0.00 2011 Totals Yeat-to-Date TOTAL FEES CHARGED IN 2011 $ 210.00 TOTAL INTEREST CHARGED IN 2011 1,390 44 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 --mail or text messages on your mobile phone- • Print a paper copy of your statement onytiime. I Sign up today at Discovercom/poperless K 02010 Cjs-ff Bad, Member FDIC d _ P#nlt 3lu rn O z m n 0 0 0 rn ra m V 9322205 Questions? Visit www.Dkcover.com or DISC*VEI call 1-800-DISCOVER (1-800-347-2683). LEEANN BROWN DISCOVER It DW M Account number ending in 1856 page 2 of 2 interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Cur ma ei69 Period: i5 days TYPE Of BALANCE ANNUAL PERCENTAGE ANC SUBJ CT TO WIE?Sf CHARGE - Purchases 29.99% V $0 $0 Cash Advances 29.99% V $0 so V = Variable Rate Additiorxrl Important tnfoirnation See your Cardmember Agreemenl. Your Cardmember Agreement contains all the terms of your Account. test or stolen cards. Report immediately! Coll I-WO-347-2683. what 7. 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 Solt take City, UT 84 1304)A21 in your letter give us the following information: Account information: Your name and account number • Doffor amount: The dollar amount of the suspected error. Problem: IF you think there is an error on your bill, describe what you believe is wrong and why you believe D"N'=111. It You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in write . You ma, can us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in quon. While we investigate whether or not there has been an error, the following are true: We cannot try to called the amount in question, or report you as delinquent on that amount. The charge in guastion may remain an your statement, and we may continue to charge you interest on that amount. But, if we dele3lno that we made a mistake, you wilt 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 con apply any unpaid amount against your credit limit. Your Rights if You Are MsaNsffed With Your Credit Card Purchases If you are dissatisfied with tho goods or services that you have purchased with your credit card, and you have tried in good filth 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 stole 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 comparry 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 quality. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Discover, PO Box 30945, 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 ten 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 ppaay an or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Pc!"oni 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 horn 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 hom your check to make an electronic fund transfer, funds maybe 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 yyoauxr payment may be delayed if you send cash, correspondence or other items with your payment, if you sand the payment to 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 facili after 5PM local time will ba credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103 Carol Slream, IL 60 1 97-6 1 03. Please allow 7-10 days For delivery. IF your payment is returned unpaid, we reserve the rigAt to resubmit if as an electronic debit. You can pay your scheduled monthly payment or a gneater amount that does not exceed your current Account balance over the telephone or you can s4)lup automatic payments through a customer service represerdafive by calling 1-800-347-2683. Automatic payments will be deducted on the Payment Due Data unless you request a ayment data that occurs before your Payment Due Dde. If your scheduled payment date FolFs on a weeks or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly pas br Iplaphone, you will need this statement and your bank account information. You will be asked to provide the last Cr tou(4} digds of the social security number of the primary borrower By providing those numbers as your electronic signature, you will be agreeing to this kv us and your bank to deduct each payment you authorize, in the amount selected by you, from your authorization to aln bank account- You also authorize us to initiate debit or credit entries to your bank account, as cable, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-800-34 - 683 or by mail at Discover, PO Box 30421, Safi 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 win ten you on each monthly statement when ip wFN be made and how much it will be. You must ensure that sufficient funds are available in your bank y ?,cumvp transactions must comply with U.S. law. If your scheduled pa ent Is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, you will be responsible or 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 ?e 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: ? Fun Pay ? Min Pay ? Min Pay + Bank Routing S: i Bank Account tl: __, Frequency: __. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION D'SC•VER Credit Reporting We, may report information about your Account to credit bureaus. tale payments, missed payments, or other de Ziells qn yaw Account may be reflected in your credit report. We normally report the status and payment history of your Account ib creel reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write n Account the following address: Discover, PO Box 15316,1Ntfmington, DE 19850.5316. Please indicate your name, address, home telephone number and Account number Pavirm Intenask. We begin to impose interest charges oil o transaction, fee or interest charge from the day we add it to the on Purchases as described'fselow. However you rcrieol avoid paying interest on How to Avoid Pavina Interesl on Purchases l"Gr_ace Period") 9-you paid the Now Balancersn your previous billing statement by the Payment Due fate shown on that billing statement, we vh not impose interest charges on new Purchases, or any partion of a new Purchase, paid by the Purchase Due Dale on your current billing statement. new Purchases are Purchases Ihaf first appear on the current billing statement. Now r,Ne Pa menu Maa mce! Your Grace Period Wyyou a not pay your ew once in each mop! , then, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. How We CakulaAe Interest Charges Daly Balance Mathad (including current transactionsl: We calculate interest charges each billing period by first ft.gurnnngg the *daily balance" fvr each Transaction Category. Transaction Cotegories include standard Purchases, standard. Cash Advances and different promotional balances, such as Balance Transfers. New We figure the Dally Selance for Each Transaction Category ix/a oA with tF,e ?tnnirrg balance for each day. Tfxs beginning balance for the first day of the billing period is your bdaice on Ere lost day of your previous Wiling period. We add any irterest charges accrued on the previous day's daily balance and any new transactions and fees. We odd a new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which d» transaction or fee posled to your Accour# We subtract any new credits and payments. We make other adfustments (including those udjntmenis required in the "Puying Interest" section). Haw We figure Your Total Interest (urges We multiply the tai?1•?y,, balance for each Transaction Category by its daily periodic rate. We do this for each day in the billing poclod. Ttris gives us the interest charges for each Transaction Category. To get a daily periodic rate, we c:Mde clod. that applies to the Transaction Categary by 365. Wa odd up all the daily interest charges. The sum is the total interest charge for the billing period. How We include Foes We odd P.alance Transfer Fees to {fie applicable Balance Transfer Transaction Category. We add Cash Advance Foes to the applicable Cosh Adva a Transaction Cotogory. We add all other foes to the standard Purchase Transaction Category. Balance SAOd to Mfsrest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Bafoacd 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 Bond you a refund of any remaining bol can of $1.0or more after 6 months, or as otherwise required by applicable tow. For TDD (fefecommunicatiocis Device far the Deaf) assistance, please calf 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 RBJrEOoi 9322205 Questions? Visit www.Discovercom or call 1 •BOOZISCOVER 11-800-347-2683). DISCOVER. DISCOVER` CARDMEMBER AGREEMENT TL23CD.1210 Thank you for dwosng Discovere card. This Agreement explains the current terms and conditions of your Account. The enclosed Prcing Schedule is part of this Agreement. Please read this Agreement, including the Pricing Schedule, carefully. Keep them for your records. Contact us if you have any questions. We have included a "Definitions" section for your reference on page 4. ArrFPTAmrF OF AGREEMENT You accept this Agreement 9 you do not cancel your Account within 30 days after receiving a Card. You also accept this Agreement if you or an Authorized User use the Account. You may, however, reject the 'Arbitration of Disputes' section as explained in that section. CHANGES TO YOUR AGREEMENT The rates, fees and terms of this Agreement may change from time to time. We may add or delete any term to this Agreement. If required by law, we will give you advance written notice of the change(s) and a right to reject the change(s), We will not charge any fee or interest charge prohibited by law. USING YOUR ACCOUNT Permitted Uses You may use your Account for Purchases, Balance Transfers and Cash Advances. You may not use it for illegal transactions. Authorized Users You may request additional Cards for Authorized Users. You must notify us if you wish to canted the authority of an Authorized User to use your Account. Joint Accounts K your Account is a joint Account: • each of you agrees to be table individually and jointly for the entire amount owed on the Account; and • any notice we mail to an address provided by either of you for the Account will serve as notice to both of you. Checks If we provide you with Checks, we will tell you whether we will treat the Check as a Purchase, Balance Transfer a Cash Advance. You may not use these Checks to pay any amount you owe us. Credit Authorizations We may not authorize a transaction for security or other reasons. We will not be liable to you if we decline to authorize a transaction or if anyone refuses your Card, Check or Account number. Credit Lines We will tell you what your Account credit line is. You must keep your We may increase or decrease your Account credit line or your Cash Account balance below your Account credit line. If you do not, we Advance credit line without notice. We may delay increasing your may request immediate payment of the amount by which you exceed available credit by the amount of any payment that we receive for up it. We may establish a lower credit line for Cash Advances. to 10 business days. FEES (See your Pit* Schedule for Additional Fees) Late Fee If you do not pay the Minimum Payment Due by the Payment Due Otherwise, the fee is $35. This fee will never exceed the Minimum Date, we will charge you a late Fee. The fee is $25 if you were Payment Due that was due immediately prior to the date on which not charged a late Fee during any of the prior six billing periods. the fee was assessed. Returned Payment Fee If you make a payment that is not honored by your financial billing periods. Otherwise, the fee is $35. This fee will never exceed institution, we will charge you a Returned Payment Fee even if the the Minimum Payment Due thatwas due immediately prior to the payment is honored after we re-submit it. The fee is $25 if you were date on which the payment was returned to us. not charged a Returned Payment Fee during any of the prior six Returned Check Fee We will charge you a Returned Check Fee each time we decline to Check -ee during any of the prior six billing periods. Otherwise, the honor a (heck. The fee is $251f you were not charged a Retumed fee is $15. This fee will never exceed the amount of the Check, Research Fee We may charge you a Research fee of $5 for each copy of a billing statement or sales slip that you request. We will not charge this fee if you request copies in connection with a billing dispute. 02010 Discover Bank, Member FDIC ANNUAL PERCENTAGE RATES ("APRs") (See your Pricing Schedrile for the APRs, inducting Penalty APRs, that apply to your Account) Variable APRs Your Pricing Schedule may include variable APRs. These APRs are on the first day of the billing period that begins during the same determined by adding the number of percentage points that we calendar month that the Prime Rate changes. An increase in the specify to the Prime Rate. Variable APRs will increase or decrease APR will Icrease your interest charges and may increase your when the Prime Rate changes. The APR change will take effect Minimum Payment Due. penalty-APR ±+?errJtApplieo? Ran: +hatis in?ffect-for tbebilliag periodic which you.did?ot - Each time that you do not pay the Minimum Payment Due by the pay the Minimum Payment Due by the Payment Due Date. Payment Due Date we may: • terminate any promotional APRs on new Uansactions; and • increase your APRs for new transactions to Penalty APRs. We will not apply a Penalty APR to Cash Advances. MAKING PAYMENTS How It Affects Your Account To determine the variable Penalty APR for a new transaction: • We add up to 5 additional percentage points to the otherwise applicable APO. • We set your Penalty APR based on your creditworthiness and other factors. These factors include your current APRs and Account history. • When we first determine the Penalty APR, we use the Prime EXAAt11'LE y4stu[?ttthe?ipmntionaFtate'for Purchases is 1.9990 andth taatC rd a fob flat<fiise W-S.9990. If you pay late, ?te'ra(eTOitTtew rdfc aces (WWIh tease up to a variable rate o` 2D,,999: - we Will Notify You We will[ notify you of the date a Penalty APR will take effect. The Penalty APR will only apply to new transactions with a Transaction Date more than 14 days after we provide the notice to you. We May Reduce It We will review your Account from time to time as required by law to determine if any Penalty APR should be reduced. Payment Instructions • You must pay us in U.S. dollars. All checks must be drawn on thirds on deposit in the U.S. • You must pay us far all amounts due an your Account. This includes charges made by Authorized Users, • We may refuse to accept a payment in a foreign currency. If we do accept it, we will charge your Account our cost to convert It to U.S. dollars. We can accept late payments, partial payments or payments marked 'payment in full' or with any other restrictive endorsement without losing any of our rights under this Agreement. We credit your payments in accordance with the terms contained on your billing statement. It you mail your payment to an address other than the address designated on your billing statement, there may be a delay in processing and crediting the payment to your Account. Minimum Payment Due You may pay the entire New Balance shown on your Hiring statement at any time. Each billing period you must pay at least the Minimum Payment Due by the Payment Due Date shown on your billing statement The Minimum Payment Due will be the greater of: • S20; of • any past due amount plus the greater of: - 3% of the New Balance shown on your billing statement (excluding any Interest Charges and Late fee shown on yow being statement); or - any Interest Charges and Late fee shown on your billing statement, plus $15 (not to exceed 4% of the New Balance). The Minimum Payment Due may also include amounts by which you exceed your Account credit line, It will never exceed the New Balance. When we calculate the Minimum Payment Due, we may subtract from the New Balance certain fees added to your Account during the billing period. The Minimum Payment Due is rounded up to the nearest dollar, How We Apply Payments We apply payments and credits at our discretion, including in a hiling period, we will generally apply amounts you pay that exceed manner most favorable or convenient for us. In all cases, we will the Minimum Payment Due to balances with higher APRs before apply payments and credits as required by applicable law. Each balances with lower APRs as of the date we credit your payment. INTEREST CHARGES How We Calculate Interest Charges-Daily Balance Method (including current transactions) We calculate interest charges each billing period by first figuring the 'dally balance' for each Transaction Category. Transaction Categaries badude standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers. How* Figure the Daily Balance for Each Transaction Category • V* start with the beginning balance for each day. 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 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 Transacuon 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 Haimce 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. -2- INTEREST CHARGES Paying Interest When Interest Charges Begin We begin to impose interest charges on a transaction, fee or the Payment Due Date shown on that billing statement, we will riot impose interest charges on new Purchases, or any portion of interest charge from the day we add it to the daily balance. We a new Purchase, paid by the Payment Due Date on your current continue to impose interest charges until you pay the total amount billing statement. New Purchases are Purchases that first appear you owe us. You can avoid paying interest on Purchases as on the current billing statement. _ dw bedhelow Howevei you-cannot amid paying interest "I How-We-Apply-PaymeMt -May-Impa AuFGrace Period- - Balance Transfers or Cash Advances. If you do not pay your New Balance in 14 each month, then, Now to Avoid Paying Interest on Purchases ("Grace Period") depending on the balance to which we apply your payment, If you paid the New Balance on your previous billing statement by you may not get a grace period on new Purchases. OTHER IMPORTANT INFORMATION Default You are in default if: • you fail to comply with the terms of this Agreement or any • you file bankruptcy or another insolvency proceeding is Bled by Agreement with us or an Affiliate, including failing to make a you or against you; required payment when due, exceeding your Account credit line • we have a reasonable belief that you are unable or unwilling to or using your Card or Account for an illegal transaction. repay your obligations to us; If you are in default, we may declare the entire balance of your • you die or are legally declared incompetent or'ircapacitated; Account immediately due and payabie without notice. Collection Costs If we use an attorney to collect your Account, we may charge you our l egal costs ?s permitted by law. These include reasonable attorneys' fees, court or other collection costs, and fees and costs of any appeal, Merchant Disputes If you have a dispute with a merchant, you may request a credit to your Account. If we resolve the dispute in your lavor, we will issue a credit to your Account You assign to us your claim for the credited amount against the merchant and/or any third party. At our request, you agree to provide this assignment in writing. Automatic Billing You may set up automatic billing with a merchant. If your Account number or Card expiration date changes, you authorize us to provide this Arrangements updated information to any such merchant at our discretion. You must contact the merchant directly if you wish to stop automatic billing. Our Privacy Policy We send you our Privacy Policy when you open your Account and • how we safeguard its confidentiality and security; annually. Contact us or visitDis(oveccom if you would like a copy, • when it maybe shared with others; and Please read it carefully. It summarizes: • how you can limit our sharing of this information. • the personal information we collect; Reporting to Credit We may from time to time review your credit, employment and If you believe that information we reported is inaccurate or Reporting Agencies income records. We may report the status and payment history of incomplete, please write us at Discover, PO Box 15316, your Account to credit reporting agencies and other creditors. We Wilmington, DE 19850-5316. Please include your name, address, normally report to credit reporting agencies each month. home phone number and Account number. Our Communications You agree that our personnel may listen to or record phone calls at your expense) to contact you about your Account or to offer you with You between you and our representatives without additional notice products or services that may be of value to you. 9 you prefer not to to you including calls we make to collect debts, We may use any be contacted in one or more of these ways, you must either call us medium permitted by law including mail, live telephone calls, at 1-800-DISCOVER (1.800-341.2683) or write to us at Discover, automated telephone equipment, prerecorded telephone calls, PO Box 30961, Salt Lake City, UT 84130-0961. Please include your e-mail, text messages and calls to your A phone (which may be name, address and Account number. Unauthorized Use You must notify us immediately if; • your Card is lost or stolen; or • you believe someone is using your Account of a Card without your permission. Cancellation of Your • You may cancel your Account, You will remain responsible for both of you will remain responsible tor paying all amounts owed. Account any amount you owe us under this Agreement. • We may cancel, suspend or not renew your Account at any time • Any joint Accountholder may cancel a joint Account. However, without notice. - 3 - Purchases and Cash if you make a Purchase or Cash Advance in a foreign currency, we and currency in which the transaction is made. We use the rate Advances in Foreign vnl convert it to U.S. dollars using a rate we choose. This rate will in effect on the conversion date for the transaction. This rate may Currencies either be a government-mandated rate, a government-pubfisfied be different than the rate in effect on the Transaction Date for the rate or the interbank exchange rate, depending on the country transaction. -?overningtaur - itrsAgreementis-goverred-bp-applrcablefederattaw-and-by?elawareiaw-- - Severabillty if any part of this Agreement is found to be invabd, the rest of it will still remain in effect. However, if the Class Action Waiver in the 'Arbitration of Disputes" section is Widated in any proceeding in which you and we are involved, then the Arbitration of Disputes" section will be void with respect to that proceeding. Enforcing this Agreement We may delay enforcing or not enforce any of our rights under this Agreement without losing or waiving any of them. Assignment of Account We may sell, assign or transfer your Account or any portion of it without notice ti you. You may not sell, assign or transfer your Account without first obtaining our prior written consent. CONTACT US Unless we tell you otherwise, you can notify us: When writing, please include your name, address, home phone • by phone at 1-800 DISCOVER (1.800-347-2683) or number and Account number. You must contact us within 15 days • in writing to Discover, PO Box 30943, Salt Lake City, UT after changing your e-mail address, mailing address or phone 84130-0943. number, DEFINITIONS 'Account' means your Discover card account. "Affiliate" means our parent corporations, subsidiaries and affi'nates. 'Authorized User' means any person you authorize to use your Account or a Card, whether you notify us or not. 'Balance Transfer' means a balance transferred from another creditor to your Account "Card" means any one or more Discover cards issued to you or someone else with your authorization. 'Cash Advance' means the use of your Account to: • obtain cash from participating automated teller machines, financial institutions or other locations; • purchase lottery tickets, money orders, casino chips, foreign currency or similar items. 'Check' means any check we send to you to access your Account. "Pricing Schedule" means the document entitled, "Pricing Schedule; which lists the APRs that apply to your Account and other important information. 'Prime Rate' means the highest rate of interest listed as the U.S. Prime rate in the Money Rates section of The Wall Street Journal on the last business day of the month. 'Purchase' means the use of your Account to purchase or lease goods or services at participating merchants. "We," 'us' and 'our' refer to Discover Bank, the issuer of your Card. 'You,' "your" or 'yours' refer to you and any other person(s) who are also contractually liable under this Agreement. 'Transaction Date' means the date shown on your billing statement for a transaction or fee. ARBITRATION Agreement to arbitrate. If a dispute arises between you and us, either may choose to resolve the dispute by binding arbitration, as described below, instead of in court. Any claim (except for a claim challenging the validity of enforceability of this arbitration agreement, including the Class Action Waiver) may be resolved by binding arbitration if either side requests it. This includes claims and disputes relating to any other Account or agreement you have or had with us. THIS MEANS IF EITHER YOU OR WE CHOOSE ARBITRA- TION, NEITHER PARTY SHALL HAVE THE RIGHT TO LITIGATE SUCH CLAIM IN COURT OR TO HAVE A JURY TRIAL. ALSO DISCOVERY AND APPEAL RIGHTS ARE LIMITED IN ARBITRATION. CLASS ACTION WAIVER. ARBITRATION MUST BE ON AN INDIVIDUAL BASIS. THIS MEANS NEITHER YOU NOR WE MAY JOIN 08 CONSOLIDATE CLAIMS IN ARBITRATION BY OR AGAINST OTHER CARDMEMBERS, OR LITIGATE IN COURT OR ARBITRATE ANY CLAIMS AS A REPRESENTATIVE OR MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY, only a court, and not an arbitrator, shall determine the validity and effect of the Class Action Waiver. Even if all parties have opted to litigate a claim in court, you or we may elect arbitration with respect to any claim made by a new party or any new claims later asserted in that lawsuit. Your Right to Go To Small Claims Court. We will not choose to arbitrate any claim you bring in small claims court. However, if such a claim is transferred, removed or appealed to a different court, we may then choose to arbitrate. Governing Law and Rules. This arbitration agreement is governed by the Federal Arbitration Act (FAA). Arbitration must proceed onlywith the American Arbitration Association (AAA) or JAMS. The rules for the arbitration will be those in this arbitration agreement and the procedures of the chosen arbitra- tion organization, but the rules in this arbitration agreement will be followed if there is disagreement 4- ARBITRATION between the agreement and the organization's A single arbitrator wAi be appointed. The arbitrator must: Survival of this Provision. This arbitration provrsron j procedures. If the organizaCan's procedures change • Fallow all applicable substantive law, except when shall survive: after the claim a filed, the procedures in effect when contradicted by the FAA; • dosing of your Account; the claim was filed w41 apply. For a copy of each • Follow applicable statutes of limitations; • voluntary payment of your Account or any part of it; organization's procedures, to file a claim or for other . Honor valid claims of privilege; • any legal proceedings to collect money you owe; -- -=rtfoftttatier,-ple9seterNac1:- - • issue a written decision including the reasons for . any bankruptcy by you; and • AAA at 335 Madison Ave., Floor 10, New York, 10017 5905 wwwadc org {phone 1 800 71&18779 9) or the award. • any sale by us of your Account. , • JAMS at 620 Eighth Ave., Floor 34, New York, NY 10018, www4amsadcc0m (phone 1-800.352-5261). If both AAA and JAMS are completely unavailable, and if you and we cannot agree on a substitute, then either you or we may request that a court appoint a substitute. Fees and Costs. If you wish to begin an arbitration against us but you cannot afford to pay the organization's or arbitrator's costs, we will pay those costs if you ask us in writing. Any request Ike this sWAd be sent to Discem, PO Brat 30421, Salt Lake City, UT 94130-0421. If you lose the arbitration, the arbitrator will deride whether you must reimburse us for money we advanced for you for the arbitration. If you win the arbitration, we will rot ask for reimbursement of money we advanced. Additionally, if you win the arbitration, the arbitrator may decide that you are entitled to be reimbursed your reasonable attorneys' fees and costs (if actually paid by you). Hearings and Decisions. Arbitration hearings will lake place in the federal judicial district where you live. The arbitrator's decision will be final and binding except for any review allowed by the FAA. However, if more than $100,000 was genuinely in dispute, then either you or we may choose to appeal to a new panel of three arbitrators. The appellate panel is completely free to accept or reject the entire original award or any part of it. The appeal must be filed with the arbitration organization not later than 30 days after the original award issues. The appealing party pays all appellate costs. The appellate panel may order that the loser of the appeal pay the wroner's costs and attorneys' fees. Any arbitration award may be enforced (such as through a judgment) in any court with jurisdiction. Other Beneficiaries of this Provision. In addition to you and us, the rights and duties described in this arbitration agreement apply to: our Affiliates and our and their officers, directors and employees; any third party co-defendant of a claim subject to 1% arbitration provision; and Al joist Accounthofders and Authorized Users of your Account(s). You May Have the Right to Reject Arbitration. You may reject the Arbitration of Disputes section but only if we receive from you a written notice of rejection within 30 days of your receipt of the Card. You must send the notice of rejection to: Discover, PO Box 30938, Salt Lake City, UT 84130.0938. Your rejection notice must include your name, address, phone number, Account number and personal signature, No one else may sign the rejection notice for you. Your rejection notice also must not be sent with any other correspondence. However, if you previously had the chance to reject an arbitration agreement with us but did not, you may not reject it now. Rejection of arbitration will not affect your other rights or responsibilities under this Agreement or your obligation to arbitrate disputes under any other account as to which you and we have agreed to arbitrate disputes. if you once sent us a rejection notice on a different account or card, you must send us a new rejection notice or else this arbitration agreement will apply to any disputes with us relating to your other accounts or cards. 5- Your Billing Rights: After we finish our investigation, one of two things will happen: Keep This Document For Future Use R If we made a istak : You will not have to pay the amount in question or any interest or other fees related to that amount. This notice tells you about your rights and our responsibilities under the • If we do not believe there was a mistake: You will have to pay the amount in fair Credit Billing Act. question, along with applicable Merest and fees. Wewill send you a statement at To Do If You Find A Mistake On Your Statement of the amount you owe and the date payment is due. We may then report you If you think there is an error on your statement, write to us at: as delinquent f you do not pay the amount we think you owe. _ Discover you receroe our Mfination u still believe your i is wrong, you mus win e to us PO Box 30421 within ]QV tolling us that you still refuse to pay. If you do so, we cannot report you Salt Lake City, UT 84130-042 t. as delinquent without also reporting that you are questioning your bill, We must tell you the rameof anyare to wham we reported you asdelinquent, and we must let those In your letter, give us the following information: wgan¢ations knowwhen the matter has been settled between us. • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Description of problem: H 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. • At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. 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. What Will Happen After We Receive Your Letter When we receive your letter, we must do two things: 1. Within 30 days of receiving your letter, we must tell you that we received your ktter. We will also tell you if we have already corrected the error. 2. Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or not there has been an error: • 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. • 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. If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct, Your R' hts If You Are Dissatisfied With Your Credit Card Purchases if you are dissatisfied wrth the goods or services that you have purchased with your credit card, and you have tried n good faith to correct the problem with the merchant, you may have the right not to pay the remaining amountdue 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 servi(es.) 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 fn ruin 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 ten you our decision. At that point, Uwe think you owe an amount and you do not pay, we may report you as delinquent. DESCRIPTION Of COVERAGE SCHEDLILED AIR TRAVEL Discover" Cardmembers are provided with $500,000 Scheduled Air Travel Acddent Insurance against Acddental Loss of Life arising ACCIDENT INSURANCE from and occurring on a Covered Trip while you, your Spouse, Domestic Partner or eligible Dependent Children forwhom a ticket was purdiasedvath your Discover card are riding as a passenger in or entering, exiting or being struck by a Scheduled Akcraft. SECONDARY RENTAL CAR COLU90N Discover" Cardmembers tan benefit from the security and safety offered through Excess Collision Damage Waiver. If you rent a COVERAGE vehkk for 31 consecutive days or less (or 45 days under certain circumstances) with your Discover card, you may be eligible for benefits under this coverage. 2417 TRAVEL ASSISTANCE 2417 TrawlAssistance provides Cardmembers and their families awide range of free travel assistance benefits. For more information and a description of these plans, features, benefits, definitions, exclusions, and information on how to file a claim, please go to Dinover.mmlmybenefits or call 1-800-DISCOVER (1-800-347-2683). -6. CERTIFICATE OF SERVICE A true and correct copy of the within Plaintiff's Motion for Summary Judgment and Brief in Support has been served by U.S. Mail, Postage Pre-Paid, on day of 2012 upon the following: Leeann Brown 1234 Bent Creek Blvd. Mechanicsburg, Pa 17050 By: Matthew D. Urban, Esquire PA ID# 90963 Weltman,Weinberg & Reis CO L.P.A. 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 WWR# 9322205 IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, THROUGH ITS SERVICING AGENT, DB SERVICING CORPORATION, Plaintiff, Case No.: 11-7770 CIVIL vs. LEEANN BROWN, Defendant. ORDER OF COURT AND NOW, to-wit, this day of , 2012, upon Plaintiff's Motion for Summary Judgment, IT IS HEREBY ORDERED, ADJUDGED AND DECREED that said Motion is GRANTED and Judgment is entered in favor of Plaintiff for $10,139.97 with interest at the rate of 29.99% per annum from June 30, 2011, and costs. BY THE COURT J. WWR# 9322205 I CASE PRAECIPE FOR LIFOR ARGUMENT t (Must be typewritten and submitted in triplicate) TO THE PROTHONOTARY OF CUMBERLAND COUNTY: (List the within matter fo r the next Argument Court.) ~- --------------------------------------------------------------------------------------------------------------------- J-„ - "- r 3 CAPTION OF CASE ;-rlCo (entire caption must be stated in full) -r; Discover Bank, Through its Servicing Agent, DB Servicing Corporation vz r r- C7 rv r °`s < > n 1 vs. o -- ,. --- r C7 r Leeann Brown " 11-7770 civil No Term 1. State matter to be argued (i.e., plaintiff's motion for new trial, defendant's demurrer to complaint, etc.): Plaintiffs Motion for Summary Judgment 2. Identify all counsel who will argue cases: (a) for plaintiffs: Matthew D. Urban, 1400 Koppers Building, 436 Seventh Ave., Pittsburgh, PA 15219 (Name and Address) (b) for defendants: Leeann Brown, pro se, 1234 Bent Creek Blvd., Mechanicsburg, PA 17050 (Name and Address) 3. 1 will notify all parties in writing within two days that this case has been listed for argument. 4. Argument Court Date: April 13, 2012 ?at re Print your name Plaintiff 3/14/2012 Attorney for Date: INSTRUCTIONS: 1. Original and two copies of all briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) before argument. 2. The moving party shall file and serve their brief 14 days prior to argument. 3. The responding party shall file their brief 7 days prior to argument. 4. If argument is continued new briefs must be filed with the COURT ADMINISTRATOR (not the Prothonotary) after the case is relisted. ar019--)SO a C 1:?, A-1o14P-- sq Pod-7 989 DISCOVER BANK, IN THE COURT OF COMMON PLEAS OF THROUGH ITS SERVICING AGENT CUMBERLAND COUNTY, PENNSYLVANIA DB SERVICING CORPORATION, PLAINTIFF V. LEEANN BROWN, DEFENDANT : NO. 11-7770 CIVIL IN RE: PLAINTIFF'S MOTION FOR SUMMARY JUDGMENT BEFORE EBERT, J., MASLAND, J. AND PLACEY J. ORDER OF COURT AND NOW, this 18th day of June, 2012, upon consideration of the Plaintiff's Motion for Summary Judgment and their brief filed in support thereof, and the Court noting that the Defendant has failed to file a response to the Motion for Summary Judgment, a brief in the matter, and did not appear for argument; IT IS HEREBY ORDERED AND DIRECTED that the Motion for Summary Judgment is GRANTED in favor of Plaintiff in the amount of $10,139.97 with interest at the rate of 6% per annum from June 30, 2011 and costs. By the Court, Matthew Urban, Esquire Attorney for Plaintiff 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 Leeann Brown, Pro Se Defendant 1234 Bent Creek Blvd. Mechanicsburg, PA 17050 bas epP,es A4a, led 4lrr??ot Z :. i r • M. L. Ebert Jr. J , , . IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK,, THROUGH ITS SERVICING AGENT, DB SERVICING CORPORATION Plaintiff Case No.: 11-7770 CIVIL TYPE OF PLEADING VS. PRAECWE FOR JUDGMENT PER ORDER OF COURT LEEANN ]BROWN Defendant. FILED ON BEHALF OF: Plaintiff C-) M 'fie Z? -< CM COUNSEL OF RECORD OF THIS PARTY: William T Molozan, Esquire PA I.D.#47437 Waltman, Weinberg & Reis Co., C.P.A. 1400 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR # 09322205 $10780.04 '4/j'$-I > ra/ X173 -orn CD c5--n C? M IN THE COURT OF COMMON PLEAS OF CUMBERLAND COUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BANK, THROUGH ITS SERVICING AGENT, DB SERVICING CORPORATION Plaintiff Case No.: 11-7770 CIVIL VS. LEEANN BROWN Defendant. PRA E 1FOR 9M GI4IFEN? PER 90M OF COURT TO THE PROTHONOTARY: Kindly enter Judgment against the Defendant, LEEANN BROWN, in the amount of $107 computed as follows: Amount Awarded: $10139.97 Interest at the interest rate of 6% $640.07 From June 30, 2011 to July 18, 2012 TOTAL: $10780.04 Attached is a copy of the Court Order in favor of Plaintiff for Judgment. WELTMAN, WEINBERG & REIS, CO., L.P. By: !/" William T Molczan, ire PA I.D.#47437 Weltman, Weinberg & Reis Co., L.P.A. 1400 Koppers Bldg. 435 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 Plaintiffs address is: c/o Weltman, Weinberg & Reis, Co., L.P.A., 1400 Koppers Building, 4?6 7`h Avenu Pittugh, PA 15219 And Defendant's address is: 1234 BENT CREEK BLVD, MECHANICSBURG, PA 17050 IN THE COURT OF COMMON PLEAS OF CUMBERLANDCOUNTY, PENNSYLVANIA CIVIL DIVISION DISCOVER BAND, THROUGH ITS SERVICING AGENT, DB SERVICING CORPORATION Plaintiff Case No.: 11-7770 CIVIL Vs. LEEANN BROWN Defendant. NOTICE OF JURQH rr OR ORDER TO: ( ) Plaintiff (xx) Defendants ( ) Garnishee You are hereby notified that cello in Or or Judgment was entered against you on_ (xx) Assumpsit Judgment in the amount of $1044.04 plus interest at 6% per annum, plus costs. f toi 31.1 ( ) Trespass Judgment in the amount of $ plus costs. ( ) If not satisfied within sixty (60) days, your motor vehicle operator's license and/or registration will be s by the Department of Transportation, Bureau of mffic Safety, Harrisburg, PA. (xx) Entry of Judgment of (xx) Court Order ( ) Non-Pros ( ) Confession ( ) Default ( ) Verdict ( ) Arbitration Award ( ) By Consent LEEANN BROWN Prothono 1234 BENT CREEK BLVD MECHANICSBURG, PA 17050 By: YERMCA ION The undersigned does hereby verify subject to the penalties of 18 Pa.C.S. Section +4904 relatin? to unsworn falsification to authorities, that the patties against whom Judgment is to be entered according the Praecipe attached are not members of the Armed Forces of the United States or any other military c non-military service covered by the Soldiers and Sailors Civil Relief Act of 1940. The undersigned further states that the information is true and correct to the best of the undersigned's knowledge and be] and upon information received from others. WELTMAN, WEINBERG & REIS ?O., L.P.A. By: William T Molczan, Esquire PA I.D.#47437 Weltman, Weinberg & Reis Co., C.P.A. 1400 Koppers Bldg. 436 Seventh Avenue Pittsburgh, PA 15219 (412) 434-7955 WWR#09322205 DISCOVER BANK, THROUGH ITS SERVICING AGENT DB SERVICING CORPORATION, PLAINTIFF V. LEEANN BROWN, DEFENDANT IN THE COURT OF COMMON PLEAS O CUMBERLAND COUNTY, PENINSYLVA IA NO. 11-7770 CIVIL BEFORE EBERT. J.. MASIAND. J AND PLACEY J ORDER OF COURT AND NOW, this 18th day of June, 2012, upon consideration of the Plaintiff s Motion for Summary Judgment and their brief filed in support thereof, and the Court noting that the Defendant has failed to file a response to the Motion for Summary Judgment, a brief in the matter, and did not appear for argument; IT IS HEREBY ORDERED AND DIRECTED that the Motion for Summary Judgment is GRANTED in favor of Plaintiff in the amount of $10,139.97 with linterest the rate of 6% per annum from June 30, 2011 and costs. By the Court, Matthew Urban, Esquire Attorney for Plaintiff 1400 Koppers Building 436 Seventh Avenue Pittsburgh, PA 15219 Leeann Brown, Pro Se Defendant 1234 Bent Creek Blvd. Mechanicsburg, PA 17050 bas M. L. Ebert, Jr., J z x c,a . 0 4 3JZ 22o,r1