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HomeMy WebLinkAbout11-8785Our File No.: 330043 APOTHAKER & ASSOCIATES, P.C. BY: David J. Apothaker Attorney I.D.# 38423 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Attorney for Plaintiff DISCOVER BANK vs. Plaintiff, KENNETH V GENTRY Defendant COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.: 11-8785-CIVIL PRAECIPE TO REINSTATE COMPLAINT - CIVIL ACTION TO THE PROTHONOTARY: tZ_ .Ft Kindly reinstate the Complaint in the above captioned Civil Action for an additional thirty (30) days. Dated: 1/26/2012 APOTHAR ASSOCIATES, P.C. A o y for Plaintiff A Law Firrri E aized in Debt Collection BY: David 4 Apothaker, Esquire G +11.'75 PQ ATN et '}4 538 & a,70r4 SHERIFF'S OFFICE OF CUMBERLAND COUNTY Ronny R Anderson Sheriff Jody S Smith Chief Deputy Richard W Stewart Solicitor Q_P L r rLi-O t i t "012 FEB 15 AM 10: 02 CUMBERLAND COUNTY PENNSYLVANIA Discover Bank Case Number vs. 2011-8785 Kenneth V. Gentry SHERIFF'S RETURN OF SERVICE 02/07/2012 06:14 PM - Ryan Burgett, Deputy Sheriff, who being duly sworn according to law, states that on February 7, 2012 at 1814 hours, he served a true copy of the within Complaint and Notice, upon the within named defendant, to wit: Kenneth V. Gentry, by making known unto himself personally, at 22 Ashburg Drive, Mechanicsburg, Cumberland County, Pennsylvania 17055 its contents and at the same time handing to him personally the said true and correct copy of the same. SHERIFF COST: $38.00 February 08, 2012 RYAN BURGETT, SO ANSWERS, RONI'TY R ANDERSON, SHERIFF 2/14/12 k ?? u? l rtr?i:. , d ?30 5 To Whom It May Concern: V f- NN-?I U - Ck4 )EVERDO, w- ?? r-\,A No-$, 0k- VU,k\• ?? ?do3 In March. of 2011 my divorce became final. My wife was the "bread winner" so it?left me with less then half of our income. Also taking away from my income was the fact that I had to pick up my own medical, eye and dental insurance. I make an hourly wage of $18.90 an hour and over time is not guaranteed and we also have been losing hours. In addition, I was awarded the house in the divorce but I very quickly realized I could not afford it on one income. Taking care of the mortgage, insurances, taxes, utilities, up-keep and groceries was more then I could handle. I was losing my home so I have submitted the loan modification paperwork to NationStar (the mortgage company that bought my mortgage loan) in order to save my home. They were able to save me $150 a month. I also had other credit cards that needed to be paid so I tried a debt management program but they needed $589 a month and I just couldn't pay for the house, car and credit cards. My daughter started her first year of college and I'm helping my ex-wife pay for that bill. Our daughter has had several surgeries this year for breathing issues and back problems so there have been thousands of dollars in co-pays for doctor visits, anesthesia, surgeries and medications that the insurance did not cover. I am a very hard worker for Waste Management. I have always valued my credit and until the divorce I have never been late on a bill and had perfect credit. This is not a situation that I am proud of and I'm very sorry and disappointed that I could not maintain the life style that my ex-wife and I had together by paying these debts. I contacted Apothaker & Associates, P.C. twice to set up payment arrangements. The first time they did not respond. The second time they ask 0 or $400 a month, which I clearly cannot afford. I send them a payment of a month in good faith. I really have lost every thing and would appreciate the [ism ssal of this action against me by Apothaker & Associates, P.C. so that I can Pic up the pieces of my life and try to rebuild credit. Thank you for your consideration in this matter. I appreciate your time. Sincerely, n aAJ,JUU V c o al aD rrn Kenneth V. Gentry <> ? < - z° C 1 :X = r 5M C -C on?,nionwealth of Pennsylvania County of L-uMberl117&1 On this, the 15- hda of ? u r , 20/x, before me Aan??l JR?n Morf?„? , the undersigned officer, personally appeared 26n-icy , known to me (or satisfactorily proven) to be the person(s) whose name(s) i s subscribed to the within instrument, and acknowledged that _he_ executed the same for the purposes therein contained. In witness whereof, I hereunto set my hand and official seal. COMMONWEALTH OF PENNSYLVANIA Notary Public Notarial Seal IDankg James Morton Jr., Notary Public Silver Spring Twp., cumberiand County My CommMtlon res March 30, 2014 MEMBER, PENNSYLVANIA iaMATION of NOTARIES Our File No.: 330043 APOTHAKER & ASSOCIATES, P.C. By: Benjamin J. Cavallaro, Esquire Attorney I.D. #307949 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800)672-0215 Attorneys for Plaintiff DISCOVER BANK ~~ l ~ AtIG ! 3 PH ! ~ 0 7 ~,~~t~~ERLANO COUNTY ~'Et~iNSYt_VI~HiA COURT OF COMMON PLEAS OF CUMBERLAND COUNTY Plaintiff Vs. KENNETH V GENTRY NO.: 11-8785-CIVIL Defendant Civil Action MOTION FOR SUMMARY JUDGMENT Plaintiff; DISCOVER BANK, respectfully requests that the Court enter an Order Summary Judgment in its favor for the following reasons: 1. There are no genuine issues of material fact to decide. 2. Plaintiff, DISCOVER BANK, filed a Complaint to recover a $15,753.91 on the defendant's delinquent account with DISCOVER BANK. A copy of Plaintiff's Complaint is attached hereto as Exhibit "A" and incorporated by reference herein. 3. Defendant, KENNETH V GENTRY, filed an Answer to the Complaint in defendant states that he contacted Plaintiff in an attempt to set up payment arrangements, thereby implicitly admitting to owing the debt; however, as of this date no payments have been received. Defendant further states that due to financial hardships he is unable to this debt. A copy of Defendant's Answer is attached hereto as Exhibit "B" and i by reference herein. 4. Defendant's Answer is insufficient as it does not conform to Pa.R.C.P. No. 1029(a) which requires that a responding party, in a responsive pleading, must admit or denjy each averment of fact. 5. Pa.R.C.P. No. 1029(b) states that averments in a pleading not specifically admitted or denied are deemed admitted. It further states that a general denial or demand proof shall have the effect of an admission. 6. Defendant has therefore admitted every averment found in Plaintiff s 7. In further support of its claim, Plaintiff attaches hereto the Cardmember Agreement and credit application for defendant's account. Plaintiff also attaches hereto copies of multiple credit card statements for defendant's account, the last of which evidences the balance Plaintiff seeks in the within matter. 9. Defendant has failed to sustain the burden of presenting facts which contradict averments of Plaintiffs Complaint. 10. Plaintiff has demonstrated that there is no genuine issue of triable fact. WHEREFORE.. Plaintiff demands judgment in favor of Plaintiff and against Defendant(s) for the sum of $15,753.91 plus court costs of $141.75, totaling $15,895.66. APOTHAKER & ASSOCIATES, P.C. Attorney for Plaintiff A Law :Firm Engaged in Debt Collection BY: Benj in J. vallaro, Esquire Our File No.: 330043 APOTHAKER & ASSOCIATES, P.C. By: Benjamin J. Cavallaro, Esquire Attorney I.D. #307949 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Attorneys for Plaintiff DISCOVER BANK COURT OF COMMON PLEAS OF CUMBERLAND COUNTY Plaintiff vs. KENNETH V GENTRY NO.: 11-8785-CIVIL Civil Action Defendant PLAINTIFF'S BRIEF IN SUPPORT OF ITS MOTION FOR SUMMARY JUDGMENT Facts Plaintiff, DISCOVER BANK, by the undersigned attorneys, respectfully submits this brief in support of its motion for an order for Summary .Judgment. Plaintiff extends credit for purchases made by customers who assent to a credit agreement. In the agreement, Plaintiff promises to extend a credit account to the customer in consideration of the customer's promise repay in full the outstanding balance due plus interest incurred. Defendant, KENNETH V GENTRY, entered into a credit agreement with the Plaintiff. Defendant purchased goods pursuant to the credit agreement. As Defendant has failed to make payments in accordance wit the credit agreement on the outstanding balance, defendant is in breach of contract. Plaintiff filed a Complaint on or about November 15, 2011. Defendant filed an Answer Ito in which defendant states that he contacted Plaintiff in an attempt to set up payment arrangements, thereby implicitly admitting to owing the debt; however, as of this date no payments have been received. Defendant further states that due to financial hardships he is unable to afford this debt. Defendant's Answer is insufficient as it does not conform to Pa.R.C.~'. No. 1029(a) which requires that a responding party, in a responsive pleading, must admit or each averment of fact. Pa.R.C.P. No. 1029(b) states that averments in a pleading not admitted or denied are deemed admitted. It further states that a general denial or demand for proof shall have the effect of an admission. Defendant has therefore admitted every averment found in Plaintiff s Complaint. In further support of its claim, Plaintiff attaches hereto the Cardmember Agreement credit application for defendant's account. Plaintiff also attaches hereto copies of multiple card statements for defendant's account, the last of which evidences the balance Plaintiff seeks the within matter. Plaintiff has successfully established the requisite elements of its claim, a contractual duty, a breach of said duty and resulting damages. As there are no genuine issues of material to be decided, Plaintiff is entitled to Summary Judgment. Legal Argument Pa.R.C.P. No. 1035.2 states that a Motion for Summary Judgment may only be granted when there is no genuine issue of material fact as to a necessary element of the cause of action defense which could be established by additional discovery or expert report. Pa.R.C.P. No. 1035.2(1). A material fact for motion on summary judgment is one that directly affects the outcome of the case. Fortney v. Calle~Zberger, 801 A. 2d 594 (Pa. Super. 2002). Application this rule has held that summary judgment may be granted only in those cases where the right summary judgment is clear and free from doubt. Laich v. Bracey, 776 A. 2d 1022, (Pa.Cmwlth. 2001). The purpose of the summary judgment procedure is to prevent vexation and delay, improve the machinery of justice, promote the expeditious disposition of cases and avoid unnecessary trials when no genuine issue of material fact is raised. A motion for summary judgment shall be granted if the documents of record show there is no genuine issue as to any material fact and that the moving party is entitled to judgment as a matter of law. Pa.R.C.P. § 1035(b); Allen v. Merriweather, 413 Pa. Super. 410, 411 (1992); Beasel v. New Blvd. Baking Co. Inc, 410 Pa. Super. 591, 593 (1991). In making its determination, the Court must accept true all properly pleaded facts, as well as all reasonable inferences which might be drawn therefrom. Thompson v. Nason, 379 Pa. Super. 115 (1988), aff'd, 527 Pa. 330 (1991). The C must restrict its review to material filed in support of and in opposition to the motion for summary judgment, and to uncontroverted allegations in the pleadings. Pa.R.C.P. § 1035; v. Kass, 382 Pa. Super. 108 (1989). The party requesting Summary Judgment bears the burden of demonstrating clearly there is no genuine issue of material fact. Driscoll v. Carpenters District Council of Western Pennsylvania, 370 Pa. Super. 295 (1988); aff'd, 525 Pa. 205 (1991); Allen, 413 Pa. Super. at 4~ 1; Beasel, 410 Pa. Super. at 594; Hower v. WhitmarkAssoc., 371 Pa. Super 443 (1988). In the nonmoving party may not rest upon the pleadings, but must set forth specific facts controverting the movant's case. Pa.R.C.P. §1035.3; Phaff v. Gerner, 451 Pa. 146 (1973). A review of the pleadings as a whole in the instant case reveals that Defendant has failed to its burden of presenting facts which contradict the elements of Plaintiff's claim. ('nnr~hicinn Plaintiff has demonstrated sufficient facts to warrant summary judgment in its favor. Once Plaintiff satisfies its burden, Defendant must demonstrate facts which would create a genuine issue for trial. Phaff, supra. Defendant has failed to sustain its burden of presenting facts which would contradict the elements of Plaintiff s claim. WHEREFORE, Plaintiff demands Judgment in favor of Plaintiff and against Defendant(s) for the sum of $15,753.91 plus court costs of $141.75, totaling $15,895.66. APOTHAKER & ASSOCIATES, P.C. Attorney for Plaintiff A Law Firm Engaged in Debt Collection BY: _ Be amin J. C a uire Our File No.: 330043 APOTHAKER & ASSOCIATES, P.C. By: Benjamin J. Cavallaro, Esquire Attorney I.D. #307949 520 Fellowship Road C306 Mount Laurel, NJ 08054 (800) 672-0215 Attorneys for Plaintiff DISCOVER BANK VS. Plaintiff KENNETH V GENTRY Defendant COURT OF COMMON PLEAS OF CUMBERLAND COUNTY NO.: 11-8785-CIVIL Civil Action CERTIFICATION OF SERVICE ~^ L Benjamin J. Cavallaro, Esquire, attorney for Plaintiff, certify that on ~ ~ ~ I caused to be served a copy of Plaintiff's Order, Motion for Summary Judgment and Brief in support thereof by regular mail to: KENNETH V GENTRY 22 ASHBURG DR MECHANICSBURG, PA 17050-820 APOTHAKER & ASSOCIATES, P.C. Attorney for Plaintiff A Law Firm Engaged in Debt Collection BY: Ben amin J avallaro, Esquire _ ~ Dated: C~ ~~ ~uprem~ t ®~ C` ~~ ~~ ~; ~. ~. !~` ~. ~;' N' A Pte~s CflUIitj' Fo~Prollro>rAtnrt~'Lrse C?~rlt~: DocketN®o_ ~---• fI ... _ , . __ T7ts ittfarrrtcttio~z co77ected o~~ this fornp is rtst~ci so7~j far cctitrt ad~rritzistrni~orx ~tcrpvse,~, Thzs form ~obS tt}~t strpPlen~e~et or• r e~Inrc~ tI1e~Is.lr~' al?d se77+lce of~ieorlrit~s or• otJter pnp~~s rrs t enured bar Itn+~ ar ~~s a~'~ otrt~ Comn~ence~nent of Action; ~~ ~ r~ ~~~ (~J Complaint ^ Whit of Summons ^ Petition ^ Transfer from Another Jurisdiction ^ Declaration of Taking Lead Plaintiffs Name: Lead Defendaeet's Name: ' DISCOVER HANK KENNETH V GENTRY Are tl~taney damages requested? ~ Yes ^ No Dollar Amount Requested: ~ within arbitrate (check one) ^ outside arbitrati lie~ifs ~imit:s Is this a Class Action Suit`? ^ Yes Q,+ No ~ Is this. an tll'DJ,4p~eu7'? ^ Yes ~ No Name of Plaintiff/Appellant"s Attorney: _ A,Potl~aker and Associates, P.G. __,__ ~ ^ Gheck here if you have na at~tc~tney {are a Self Represented ~Prc~ SeJ Litigant) Nature of Cite Case: Place an "X" to t13e left of the ONE case category that mast accurately describes PRIMARY CASE. If you at•e teal<ing illgt'e than ate type of chine, aleck. the one you consider mast impairant. ~' .~z I O II N, `~ TOR'T` (,do tent iJTClud~ 111nss• Tor~l) Intentional ^ Mstlicious I'roseeution ^ Motoe Vehicle '' ^ Nuisance ^ Premises Liability ^ Product Liability jdoes not ;t iracltu7e rrui.es tot•r) j,~ ~'~ ^ Slani3eciLibelt Defamation ^ Other. '~ I ^Asbestos ^ Iohacco ^ Toxic "fort -DES ^ "toxic Tort - hnplant ^ Toxic Waste ^ Other: PROFESSIONAL LTA Ii I.;I TY ^ Dental ^ Legal ^ Medical ^ Other I'rofcssionnl: ~enn:sytv~ania C(7NTItACT {da not incluzte Ja~zTXmerrts) ^ Buyer Plaintiff ® Debt Collection: G•e.dit Card ^ Debt Collection: Other ^ I:~mployment Dispate: :Discrimination ^ Ev.mp]uytneut Disptttc: Other ^ Other: REAL PROPERTY ^ Ejectment ^ Eminent Domain/C;ondemuation ^ Ground Rent ^ Landiorcl/Tenant Dispeite ^ Mortgage Foreclosure: Residential ^ Mortgage Foreclosure: t:oulmercial ^ Partition ^ Quiet Title [~ C~tleer: cTVTL APPEALS Administrative Agencies ^ Board of Assessment ^ Board of Laections ^ Dept. of `Ii•ansportation ^ Statutot~r Ap}~eal: Other ^ ""/,oning Board C7 Other: MTSCELLANEOUS ^ Common Law; Statutory ^ Declaratory .lodgment ^ Mandamus ^ Non-Domestic Relations Restraining Order ^ Quo Wart•atrto (~] Replevin ^ Other: at 1/1!2111.1 Ot~r File No.: 330043 APO'1 RAKER & ASSOCIATES, P.G. BY. I3avid :(. Apothaker, Esquire Attorney I,D. #38423 520 Fellowship Road 0346 Mount Laurel, NJ 4134:54 ~844~672-4215 Aiton~eys for Plaintiff DISCOVER. BANK c% DB SERVICII~IG CORPORATION 6540 NEW ALBANY RD NEW ALBANY OI-IlO 43054 Plaintiff, vs. KENNETH V GENTRY' 22 ASI-II3UI2Ci DR MECHANICSI3URG, I'A 17050-8243 D4fendani. I'~=- ~5~. t'~~ i ~~1~3~~~i'~' ~! ! ~' 22 P~912~ ~i U~f6CRLA~~ C;?it4 COURT' OP COMIvION PLEt1S CUMBFRI_,AND COUNTY NO.: NOTICE You have been sued in court. If y«u wish to dcf~-nd against the claims set forth in the I-olloti y~tl must take action within. twel~ty (24) days after this complaint and notice are served, ley c,nterin ah}aeal ante personally or by attoi7ley and filing iI~ writing with the cot~I•t Y~'~n' defenses car ohjecl claims sei~ forth against yc~u. You are warned that if you fail to do so the casrr nay proceed witholr judglTlellt ma)~ be~ entered agail~st you by the co~>rt without fiII-thc;r notice for ally IZloney clad complaint or ~-cn~ al~y c>tl--~r claim or I•elief r~quesCed by the plaintiff'. You nay lose mr~ney or hrope IYglltS 1n1p(3rtant t.0 yOli. YOI_T SHOULD TAKI TI-IIS I'.!1PI:R TO YOUR LAWYER A"I' ONC`h, Th YO~[ 1 DO NO' L!~~UYEIZ ()1~ ('_1~fiI0`l' AI~I~ORD (~)1~I=:, GO "I'0 C)[Z `(IJ,F;PFIOi~I=; "I~III~ OF:I I(:1~; :,I?~"' I~UIZ`.l'II I3 FIND OU"I' WI-II;IZI~ YOU CAN Gl;`I LEtJAL IIEI.I'. IF YOU CANNCJT APFOItI~ 'I°O HIRE A LAWYER, THIS OT'T'ICE MAY BE AI3L,I's TO YOU WITI-I INhOItMA"I'IC)N ABOUT AGENCIES THAT MAY OFFER LECrAL, SI',RVIChS ~I'O PERSONS A"h A RI;17IJ(:ID PIwE OR NO PEE. CUMBERLAND GOI.TN"I'Y BAR ASSOCIATION 34 S. BEDFORD ST. CARLISLE PA 17013 717-249-31.66 ~ing pages, a WI'1tt011 ons to ehe you and a red iII the tv or atlrer HAVE A L,O~~~ TO IZOVIDI~; LIGI131_,I Our File No.: 330043 APOTf-TAKER & ASSOCIA'T'ES, P.C. T3Y; llavid J. Apnthaker, Esquire Attorney 1.D. #3$423 520 Fellowship Road C3U6 Mount. Laurel; NJ 08054 (800} 672-0215 Attorneys for Plaintiff DISCOVER BANK c/o DB SI/RVICING CORPORATI(}N tSUO NEW ALBANY RD NEV~~ ALBANY OHIO 43054 Plaintiff, vs. KENNE'T"I-T V GEN'T'RY 22 ASITBIIRG DR M~CTIANIC'SBURG, PA 17050-$203 Defendant. COURT OF COMMON PLEAS CUMBERLAND COUNTY NO.: CTV1L AC;'I'I(?N C:OMPh.AIN'I' FIRST COUNT l . l'Jaintifl• is Discover Bank ("Plaintiff"), a Delaware State Banl< anti issuer of the Discover 2. Defendant(s) islar•e KENNETI-I ~1 GL;N~'~I'T2Y, art adult individual residing at 22 A M13CHANICSI3tJRG, PA 171150-8:203. 3. At the special instance and request ofDefendant, Plairrtift; DISCOWL;R BAND., issl~ied tc :1c~ourrt ?~ c~~din~~ i~7 9139. 4, Defendant received, accepted and used the account tc> its benefit. _5. 'T'his account is in default and. Deferadarit(s) has an unpaid balance of $1S,7S3.91. A true ar~d of the total duo and owing is attached hereto, made a part hereof and marked as Exhibit "A". d. A11 credits, if ~rny, to which T~efcndant(s) is entitled, have been applied to the account and arc Exhibit "A" R ), copy in 7. Although demand has been made, Defend<uxt(s) has failed to make payment afthc ai~~ount dire as~above. WHEREFORE, Plaintiff demands judgment ita favor of Plaintiff and agajlst Defendant(s) for the sum of $15,753.91 and requests this Court award costs to the. extent permitted by applicable Iaw. ~1POTHAKER & ASSOCIATES, P.C. A orn y for Plaintiff A T..aw Fix En fed in Debt Collection 13Y David J. Apotliaker, Esquire Dated: I l /15/201 i Otu- bile No.: 330043 VERIFICA'T'ION I, David J. A~othaker, Lsquire, hereby verify subjecfi to the penalties of 18 Pa.C.S. X4904 relating o unswarzr falsification to authorities that I a~n counsel for Plaintiff in this action, that I make this Verification bas upon the facts as supplied. to me by the Plaintiff and/or its agents and because the Plaintiff is outside the juri diction of the court, .and that. the facts set forth in the foregoing Civil Aetion Cozzaplaint are tzue and coz-z•ect to tl~ze best of niy Icrzowledge, inforz~lation, and belief. APUTIiAKL. SSt~CIATES, P.C. Atto iey for Plaintiff A Laru Finn ~ nQa ed in Deb~Collectio~ 13Y: D~~vid .l\A~aoj.liaker, Esquire DATE: 1 l/1512Cti 1 D15C~VER Naw 9alanco Minimum Paymont Due S t 3,753.91 51,207.00- -..____._ Payment Due Dara July i 5, 2011 20 SDSNBAOS 00331343 KENNETtI GENTRY 4940 S WEtJB4E:R DR ST£ ~ 0 TEMPS AZ 8528?_-6312 Account Numberending In 9139 Enter Amount Enclosed Below ~ ~~ Please mako chock payablo to Dlacovor Cgqrdd. You are ovodimlt. Pay the sum ofthe monttt{y minimum payment plus the Qv®slimit amouaf of $253.91. Ga paperless at3d make your account Sn[ortnation mcx'o taeaure with pasaword- profected staterttants at3ly you aft aooess. Learn more at d#scoveF.cott3lpape3ieas. P{t 8UX 29033 1~I+rr~Lou~r~~Irsrlrrlrl PHt)ENIX AZ 85038:-9033 Address, a-mail or telephone change$ ~~ r,~,r`t~r~irrru~~r~u~r~s~tr~~rrur~~nr[lrtr~~ur~~rr~r~r~ Oo to www.Discover.<om or print change in spots above. ppsntng oats: mcry ;c i, tort ' 'vlostng oars; uvne lv Discover Mare Card Account Summary Accowtt number ending in 9139 Previous Balance $15,346.60 Payments And Gradiis 0.00 Purchases + 0.00 9alanco Tronsfers + 0-Ott crash Advances + 0.00 l=eas Chang°d + 35.00 ar~ad .F interest C h 372.31 ~ _ i~ew Ba ant[ © ~-------- - 3 t 5,753.91 See Interost Charge Calevlalion seetian (adawing transactions For dekailsd APR infarrnution Credit line $15,500.00 Cradlttino Avaifabla ___ _ _ _ ..... .. _... . ........$0.00 Cash Advance Credit line $7,300.00 Cash Advance Credit Line Availoblc $O.UO You may be able to avoid Interost C:hargas, soo Additions{ important Information for derops. k 6onus° C hb as ac Armiversory Month October t7portin8 Coshback Bonus Balance $ 1 1.12 Nnw Cashback Bonus This Period t 0.00 Cash6ack Bonus Balance #; 11.12 to Icon morn, !og in of www.Discover,com 3 Easy Ways to Contact Us Mcinage Your Accorrrtt Online of wrww.piscover.cotr 1 Access your account securelyai www,Discovor.cont ~ Access freo online coats like Paydown Planner to creole a plan 2. Call 1.800-DISCOVER (1.800.3 d7-261331 to ~ay down your balance, securely accoss statements, pay Please have your Discover~'card ovailo e, bit s online and easilyirock aN transactions 3. Write. to us at Discover PO Box 30943, .. ..$M . -.. .... _ _ . Sait Lake Cily U7 841130 (No3 a payment addressl Make your money worth~mora #ind easy` ways 1o earn , f=or payments, please send to oddness on remlNance or and redeem cash rowards Discover, PO Box b 103, Carol Stream, IL 60197-4103 ~ NEW? Access your account securely Through your Fcrr TDu (i olocammunications Devito for iha Oaalj rnobito phono assistance, please call 1-8 04 3 4 7-74 49. Transactions Trans, Post Aato Daro Foos Jun 15 Jun I5 LATE T=EE $ 35.00 TOTAL EE[S FOR TNtS PERIOD 35.00 InrorasKharyod INTE'.REST CHARGE ON PURCHASES $ 372.31 1T`1TFRCST CHARGE Os`t CASfi ADVAh1CL•S 0.00 INTERrST CHARGE ON fSAlAi+1Cf TRANSiERS O,QO 2x11 pnga 1 of 2 Payment InformatEan Now Balance $1,5,783.91 Minimum Paymerd Uue* $1,207,00 Aaymonl Dua Date July 15,201 i *Includss past duo amount oE$779.00 taro Payment blaming: If wo do net receive your minimum payment by the dole listod above; .you may havo to pay a lab Feo of up to $35.00 and your pvrcftaso and balance irans(er APRs 4or new transactions maybe fncroased up to tho Penalty APR of 29.94°! variablo. Minimum payment blaming: I# you make only the minimum payment each period, you wit! pay morn in fntarast and it will take you longer to pay off your balance. For example: '~ Only the minimum ~ 61 years ! $147,535 payment J If you would liko information shout credit counsoling sorvices, calf 1-$GO.3/t7.1121. NOTICE: 5EE R£Y11tSE SIDE PQR IMPORTANT INFORMA110N ~~SC~yER Pc~perless statements meian less clutter, more convenience Easily access up to 2d months of downbadnble,,pasaword protected statements; • See your statement as soon os it's available rather than wait #or it to arrive in your mailbox. Get helpful payment remindors through: e-mail or text messages on your mobile phone. • Print a poper copy of your statement anytime. • Sign up today at t)iseovercom/paperless ®2010 piKpves eaak,Msmber rb7C PnPER.0316 Transactions z Odes' baM (Cflnt.~ g a ~, tnteres! Gt~argad T07AL ItJTEREST TOR THIS PHt10D $ 372.31 20l 1 Totals Yeawto°Qate ~ TOTAL FEES CHARGED 1N 2011 $ 60.00 TOTAL tNTERtST CHARGED IM 201 1 2,128.17 QtleStions? visit www.Discoveccom or , call I-800-biSCOVER (t-B00.3d7-26b3J. ~~~~w~R G.~m1 ~~ ~-~ ~~-~ ~~~.~~~~~ _ Rio ~~ 5.~i t.~ ~ ~'' t~S~U t~~ ~~~~ °~ ~- Z.~ 2/14/12 ~~~ i US To Whom It May Concern: ~~ ~EIaQ+At~T- ~-~ ~,a41t~I ~~~~ ~~ i~ , ~}` ~'~03 In March of 201.1 my divorce became final. My wife was the "breadwinner" so it~left me with less then half of our income. Also taking away from my income was the fact that I had topick up my awn medical, eye and dental insurance. 1 make an hourly wage of $18.90' an hour and over time is not guaranteed and we also have been,.w°" Iosing hours. In addition, I was awarded the house in the divorce but I very quickly realized I could not afford it on one income. Taking care of the mortgage, insurances, taxes, I, utilities, up-keep and groceries was more then 1 could handle. I was losing my home so [have submitted the loan modification paperwork to NatonStar (the mortgage ~~ company that bought my mortgage loan} in order to save my home. They were able ~ to save me $150 a month. I also had other credit cards that needed to be paid so I tried a debt management program but they needed $S89 a month and I just couldn't. pay for the house, car and. credit cards.. My daughter started her first year of college and I'm helping my ex-wife pay for that j bill. Our daughter has had several surgeries this year for breathing issues and back problems sa there have been thousands of dollars in co-pays. for doctor visits, anesthesia, surgeries and medications that the insurance did not cover. i I am a very hard worker far Waste Management. I have always valued my credit and until the divorce I have never been late on a bill and had perfect credit. This is ~ not a situation that I am proud of and I'm very sorry and disappointed that I could not maintain the life style that my ex-wife and 1 had together by paying these debts. I contacted Apothaker & Associates, P.C. twice to set up payment arrangements. The j first time they did not. respond. The second time they ask ar $400 a month, which I clearly cannot afford.. 1 send them a payment of a month in good faith. I really have lost every thing and would appreciate the disco ssaI of this action against me by Apothaker & Associates, P.C. so that I can pic up the pieces of my life ~ and try to rebuild credit. ~ ~,, ~ G~i ~ 4, ~ Thank you far your consideration in this matter. I appreciate your time, ~ Sincerely, Kenneth V. Gentry ~~ ~ v~~"`" i= ,~ y~ „~ a ~"'" ~t ~~ J "+ ~ '~, -~ .... Commonwealth of Penns lvania County of` ~m~~~~ On this, tl~e ~hda ` of _~~r• ~`~_ ZQ~~, before. me i~a,-1~.J ~A+Ytp.~.~ ~~~a~ r. , the undersigned officer, personally appeared ~nn~.,r~h ~. C~~n~-rev ,known to me (or satisfactorily proven} to be person{s) whose r~ai~ne(s} i s subscribed to the within instrument, and acknowledged that _he_ executed tl~e carne for the p~rpases therein contained. In witness whereof, I hereunto set my hand. and COMMONWEALTH OF pENNSYtVANIA Ndarta! Seal ~as>ieef lames Morton )rte R~ bounty Silver 5prin4'Twp., ~ lMard~ ~ 20I4 M BE~~ CIA 'ttON Of NOtAililS Notary the it seal, Public DISC VERo YOUR DISCOVER® ACCOUNT CARDMEMBER AGREEMENT ................Pages 1-14 The terms and conditions of your Account, including how we calculate Interest Charges, our fees and an Arbitration of Disputes section. You have the right to reject the arbitration provision with respect to your new Account within 30 days after receiving your Card, as explained in the "Right to Reject Arbitration" section at page 13. BILLING RIGHTS ..........................Pages 14-16 Important information about your rights and our responsibilities under the Fair Credit Billing Act. DESCRIPTION OF COVERAGE ...............Pages 16-24 The terms and conditions of the Scheduled Air Travel Accident Insurance and the Secondary Rental Car Collision Coverage that is provided at no charge to you when you use your Card to purchase airline tickets or rent an automobile. GLOBAL TRAVELER'S HOTLINE ...............Page 24-25 The terms and conditions of this free travel assistance benefit. ©2011 Discover Bank, Member FDIC TL23AG.0211 11DCM0 02BOK TL23AG0211 00083.indd 1-2 1/11111 9:41 AM CARDMEMBER AGREEMENT Please read this Agreement carefully before using your Discovers Card Account R contains the terms and conditions of your Account, some of which may have changed from earlier materials provided to you. In the event of any differences, this Agreement shah control We respect your privacy. See the Privacy section on page iD and our Privacy Pdiq for additional information. The Arbitration of Disputes section on page 11 indudes a waiver of a number of rights, induding the right to a jury trial. The Right to RejeR Arbitration section on page 13 describes the procedure you must fdlow if you desire to rejeR the Arbitration of Disputes section. DEFINfTI0N5 ........................................... ......... 2 USING YOUR ACCOUNT ................................. ......... 2 Your Acceptance of this Agreement .................... ..........2 Permitted Uses of Your Account ....................... ..........2 Prohibited Usesaf Your Account ...................... ..........3 Purchases and Cash Advances in Foreign Currencies ...... ..........3 Cash Advances ...................................... ..........3 Balance Transfer .................................... ..........3 Credit Authorizations ................................ ..........3 Authorized Users .................................... ..........3 Unauthorized Use ................................... ..........4 Your Credit lines .................................... ..........4 CHANGES TO THIS AGREEMENT .......................... ..........4 MAKING PAYMENTS .................................... ..........4 Promise to Pay ...................................... ..........4 Monthly Billing Statement ............................ .......... S Monthly Payment Options ............................ .......... S Automatic Billing Arrangements ...................... .......... S How We Apply Payments ............................. .......... 5 Minimum Monthly Payment .......................... .......... 6 Skip-A-Payment Offers ............................... ..........6 Credit Balances ..................................... ..........6 Pay-ByPhone ....................................... ..........6 INTEREST CHARGES ..................................... ..........6 How We Calculate Interest Charges .................... ..........6 Balance Subject to Interest Rate ...................... .......... 7 Payinglnterest ..................................... ..........7 Annual Percentage Rates ............................. ..........7 Variablelnterest Rates ............................... ..........7 Penalty APR ........................................ ..........8 FEES .................................................. ..........8 Cash Advance Fee ............... .................... .. ... .8 Balance Transfer Fee ................................. ..........8 Foreign Currency Fee ................................ ..........9 Minimum Interest Charge ............................ ..........9 Annual Fee ......................................... ..........9 Late Fee ........................................... ..........9 Returned Payment Fee ............................... ..........9 Returned Discover Card Check Fee ..................... ..........9 Research Fee ....................................... ..........9 DEFAULT AND CANCELLATION ........................... ..........9 11DCM0 02BOK TL23AG0211 00083.indd 3-4 1/11/11 9:41 AM Types of Default ................................... ...........9 Consequences of Default ............................ ..........10 Cancellation ....................................... ..........10 PRIVACY AND OUR COMMUNICATIONS WITH YOU ........ ..........10 Our Privacy Polity .................................. ..........10 Reporting to Credit Agencies ........................ ..........10 Our Communications with You ....................... ..........10 Releasing Information About Your Account ........... ..........11 Electronic Notices to You ........................... ..........11 Notices - Changes to Your Information ............... ..........11 CLAIMS AND DISPUTES ................................ ..........11 Merchant Disputes ................................. ..........11 Claim Notices ..................................... ..........11 Arbitration of Disputes .............................. ..........11 Right to Reject Arbitration .......................... ..........13 LEGAL INTERPRETATION OF THIS AGREEMENT ............. ..........14 Severabil'rty ....................................... ..........14 Compliance with Interest Rate Limitations ............. ..........14 Governing Law .................................... ..........14 ASSIGNMENT OF ACCOUNT ............................. ..........14 DEFlNR10N5 "Account" means your Discover Card Account. "APR" means an annual percentage rate. "Authorized User° means any person whom you authorize to use your Account or a Card, whether you notify us or not. "Card" means any one or more Discover Cards issued to you or someone else with your authorization. "Pricing Schedule" means the document accompanying your Card and listing the APRs that apply to your Account and other important information. The Pricing Schedule is part of this Agreement. "We," "us" and "our" refer to Discover Bank, the issuer of your Discover Card. "You," "your" or "yours" refer to, in addition to you, the Cardmember, any other person or persons who are also contractually liable under this Agreement. USING YOUR ACCOUNT Vour Acceptance of this Agreement The use of your Account or a Card by you or an Authorized User, or your failure to cancel your Account within 30 days after receiving a Card, means you acceptthisAgreement, including the Arbitration of Disputes section on page 11. You may, however, reject the Arbitration of disputes section as explained on page 13. Permitted Uses of Your Account Your Account may be used for: • Purchases - to purchase or lease goods or services from participating merchants by presenting your Card or Account number or by using promotional checks, which we may furnish to you, in accordance with such additional terms and conditions as we may offer from time to time. • Cash Advances -to obtain cash advances from participating automated teller machines, financial institutions or other locations, the purchase of lottery tickets, racetrack wagers, vouchers redeemable for cash or for casino chips, money orders, traveler's checks, savings bonds, foreign 2 currency and wire transfers, or by means of checks which we may furnish to you, all in accordance with such additional terms and conditions as we may offer from time to time. • Balance Transfers-to transfer balances from other creditors or to make other transactions by means of balance transfer coupons or checks, in accordance with such additional terms and conditions as we may offer from time to time. In addition, your Account may be used to guarantee reservations at participating establishments. You will be liable for guaranteed reservations that are not cancelled prior to the time specified by the establishment. Your Account may be used for personal, family, household and charitable purposes. Prohibited Uses of Your Account Your Account may not be used to obtain loans to purchase, carry or trade in securities, to pay any amount you owe under this Agreement or for any transactions that are unlawful where you reside or where you are physically located when you use the Account to initiate the transaction ("Prohibited Transactions"). Purchases and Cash Advances in Foreign Cunendes. If you make a purchase or cash advance in a foreign currency, it will be converted to U.S. dollars using either agovernment-mandated rate, agovernment-published rate or the interbank exchange rate, depending on the country and currenry in which the transaction is made. The rate used will be the rate in effect on the conversion date for the transaction, which may be different than the Transaction Date as shown on your statement. We charge a foreign currenry Fee for each purchase made in a foreign currenry as described in the Foreign Currency Fee section on page 8. Cash Advances. We may periodically offer you promotional rates on <ash advances for the time period specified in the offer, subject to the Penalty APR section. The offer may contain a Cash Advance Fee for each cash advance. Balance Transfers. In our discretion, we may periodically offer you the opportunity to make balance transfers from other creditors or to make other transactions to your Account by means of balance transfer coupons or checks. The standard purchase rate applies to balance transfers. However, we may periodically offer you promotional rates on balance transfers for the time period specified in the offer, subject to the Penalty APR section. Each offer will contain an expiration date. If you attempt to transfer balances by means of a check after the expiration date, we will treat the transaction as a cash advance. We will not make balance transfers attempted by means of a coupon after the expiration date. We may charge a Balance Transfer Fee as indicated in the Balance Transfer Fee section. Credit Authorizations. Certain transactions will require our authorization prior to completion. In some cases, you may be asked to provide identification. We have the right not to authorize a transaction for security or other reasons. Also, if our authorization system is not working, we may not be able to authorize a transaction. We will not be liable to you if any of these events happen. Authorized Users. If you want to cancel the authority of a current Authorized User to use your Account or a Card, you must notify us and destroy any Card in that person's possession. You can notify us by telephoning 1.800•DISCOVER (1-800-347-2683), or by writing Discover, PO 3- 11OCM0 02BOK TL23AG0211 00083.indd 5-6 1/11/11 9:41 AM Boz 30943, Salt Lake City, UT 84130-0943. None of your rights under this Agreement (other than to pay amounts owed) may be exercised by any person not a party to this Agreement acting pursuant to a power of attorney, without our separate written agreement (which we are not obligated to give). Unauthorized Use. Prior to its use, each Card must be signed by the person to whom it is issued. ff a Card is lost or stolen, or if you think that someone is using your Account or a Card without your permission, notify us immediately. You can notify us by telephoning 1.800-DISCOVER (1-800-347-2683), or by writing Discover, PO Box 30943, Salt Lake City, UT 84130-0943. You agree to assist us in determining the facts relating to any theft or possible unauthorized use of your Account or a Card and to comply with such procedures as we may require in connection with our investigation. Your Credit Lines. We will advise you of your Account credit line. We may impose a lower line that will apply to cash advances, referred to as the cash advance credit line. We may also impose a lower line that will apply to balance transfers, referred to as the balance transfer credit line. You agree not to allow your unpaid balance, including Interest Charges and fees, to exceed your Account credit line. If you exceed your Account credit line, we may request immediate payment of the amount by which you exceed your Account credit line. We may increase or decrease your Account credit line, your cash advance credit line or your balance transfer credit line without notice. The credit available for your use may, from time to time, be less than your Account credit line. For purposes of determining your available credit, we reserve the right to postpone for up to 15 business days reducing your unpaid balances by the amount of any payment that we receive. Your available credit will not be increased by the amount of any credit balance. CHANGES TO THIS AGREEMENT From time to time, we may, to the extent permitted by law, change any term of this Agreement, including, but not limbed to, any interest rate, fee or method of computing any balance upon which the interest rate is assessed, or add ar delete any term to this Agreement We will give you notice of the change in the time and manner required by law, which includes 45-days advance written notice in some circumstances. In addition, to the extent required bylaw, we will offer you the opportunity to reject a change. For example, law requires, with certain exceptions, that we offer you the opportunity to rejeR an increase in a late fee or the elimination of a grace period prior to the effective date of the change. If you rejeR a change in accordance with the instructions in the notice provided, we will close your Account and you will no longer be able to use it for further transactions. You can then pay the remaining balance under the unchanged term. We may oho change any term of any product, service or benefit offered in connection with your Account We will notify you as required by law or by the terms of the product, service or benefk. MAKING PAYMENTS Promise to Pay. You agree to pay us in U.S. dollars for all purchases, cash advances and balance transfers including applicable Interest Charges and other charges or fees, incurred by you or anyone you authorize or permit to use your Account or a Card, even if you do not notify us that others are 4 using your Account or a Card. H you pay us in other than U.S. dollars, we may refuse to accept the payment or charge your Account our cost to convert your payment to U.S. dollars. All checks must be drawn on funds on deposit in the U.S. You may not use a cash advance check, balance transfer check or coupon, or any other promotional check drawn on any Discover Bank credit card account to make payments on your Account. If your Account is a joint Account, each of you agrees to be liable individually and jointly for the entire amount owed on your Account. We can accept late payments or partial payments or checks and money orders marked "payment in fulP or with any other restrictive endorsement without losing any of our rights under this Agreement Monthly Baling Statement We will send you a billing statement after each monthly billing period in which you have a debit or credit balance, unless we waive our right to do so as permitted by law. The billing statement will show the purchases, cash advances, balance transfers, Interest Charges and other charges or fees and the payments or other credits posted to your Account during the billing period. It will show your New Balance, Payment Due Date and Minimum Payment Due as of the end of the billing period. If your prior month's payment is returned unpaid, your required Minimum Payment Due may be higher than shown on your billing statement. See the Minimum Monthly Payment section on page 5. Monthly Payment Options. You may at any time pay the entire New Balance shown on your billing statement, but each month you must pay at least the Minimum Payment Due as deuribed in the Minimum Monthly Payment section. All payments must be made in accordance with the terms stated on your monthly billing statement, as well as the payment cut-off time stated in this section, and we will credit your Account in accordance with those terms and this section. Payments received in proper form at our processing facility by 5PM local time on any day will be credited as of that day. Payments received in proper form at our processing facility after 5PM local time will be credited as of the next day. Automatic Billing Artangements. If your Account number and/or Card expiration date changes and our records indicate you have automatic billing established with a merchant, we will attempt to provide your new Account information to that merchant. To ensure uninterrupted billing, we recommend that you verify the merchant has your new Account information. You must contact the merchant directly if you do not wish to continue the automatic billing arrangement. How We Apply Payments. We apply payments and credits at our discretion, including in a manner most favorable or convenient for us. In all cases, we will apply payments and credits in accordance with applicable law. Each billing period, to the extent your payments exceed the Minimum Payment Due shown on your current billing statement, we will apply these excess amounts generally in order of the APR applicable to the balance of each transaction category (as referenced in the INTEREST CHARGES section), from highest to lowest, beginning with the balance subject to the highest APR as of the date we credit your payment For promotional balances with the same APR, we will apply payments to the promotional balance with the longest remaining duration before promotional balances with shorter remaining durations. -5- 11DCM0 02BOK TL23AG0271 000e3.indd 7-8 7/11!17 9:41 AM Minimum Monthly Payment The Minimum Payment Due for a billing period will equal: (i) the greater of: • 540; • 2r/• of the New Balance shown on your billing statement for that billing period; or • current Interest Charges plus Late Fees plus 520; (ii) any past due amount. We may also include some or all the amount by which you exceed your Account credit line. When we calculate the Minimum Payment Due, we may subtract from the New Balance certain fees added to your Account during the billing period. The Minimum Payment Due will be rounded up to the nearest dollar and will never exceed the New Balance. Skip-A-Payment Offers. We may from time to time allow you to not make a Minimum Payment Due and will notify you when this option is available. H you take advantage of this offer and do not make a Minimum Payment Due, Interest Charges and any applicable fees will accrue on your Account in accordance with this Agreement and you must pay the Minimum Payment Due for the following billing periods. Credit Balances. We will refund any credit balance within seven business days from receipt of your written request. If you do not request a refund, we will automatically refund credit balances greater than S1 that remain in your Account after 6 months. PayBy-Phone. We may from time to time allow you to snake payments by authorizing us over the telephone to transfer or pay funds from a deposit account to your Account. We will not charge you aPay-Ry-Phone Fee. INTEREST CHARGES How We Calculate Interest Charges -Daily Balance Method (including current transactions): We figure Interest Charges for each billing period. To do this: • We calculate your Interest Charges separately for each balance subject to different terms (for example, standard purchases, standard cash advances and each purchase, balance transfer and cash advance balance subjeR to promotional terms). We refer to these balances as transaction categories. • We figure the "daily balance" for each transaction category. To get the "daily balance" we take the beginning balance for each day, add any new transactions and fees and any Interest Charges accrued on the previous day's daily balance. We then subtract any credits and payments and make other adjustments (including those adjustments required in the section titled Paying Interest). In calculating the daily balance for the first day of the billing period, we consider the "previous day's daily balance" to have been your balance on the last day of your previous billing period. This gives us the daily balance for each transaction category. • We figure the Interest Charges on your Account by multiplying the daily balance for each transaction category by its daily periodic rate, for each day in the billing period. • The total Interest Charges for the billing period are the sum of the daily Interest Charges for each transaction category for each day during that billing period. -6- When we calculate daily balances, we add a new transaction az of the Transaction Date shown on your billing statement, unless the transaction is posted to your Account after the close of the billing period in which it occurs, in which case the transaction will be added to the daily balance as of the first day of the billing period in which it is posted to your Account. All fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Fees which are added to the applicable cash advance transaction category and Balance Transfer Fees which are added to the applicable balance transfer transaction category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. h shows this for each transaction category. The Balance Subjectto Interest Rate shown on your statement is the average of the daily balances during the billing period. Paying Interest We begin to impose Interest Charges on all transactions and fees from the Transaction Date shown on your billing statement for the transaction or fee. However, if a transaction or fee is posted to your Account after the close of the billing period in which it occurs, we begin to impose Interest Charges on that transaction or fee from the first day of the billing period in which it is posted to your Account. We begin to impose Interest Charges on Interest Charges from the date they are added to your Account. We continue to impose Interest Charges on all transactions, tees and Interest Charges until you pay the total amount you owe us. Your due date vall be at (east 25 days after the close of each billing period except that it will be at least 23 days after the close of each billing period that begins in February. If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose Interest Charges on new purchases, that is purchases first appearing on the current billing statement, or any portion of a new purchase, paid by the Payment Due Date on your current billing statement. We call this the "grace period." There is no grace period on balance transfers or cash advances. As more fully described in the section titled "Now We Apply Payments," we apply payments in a manner most favorable or convenient for uz and, to the extent your payments exceed the Minimum Payment Due shown on your current billing rtatement, we will apply such excess amounts generally in order of the APR applicable to the balance of each transaction category (as referenced in the INTEREST CHARGES section), from highest to lowest, beginning with the balance subject to the highest APR as of the date we credit your payment. This means that if you do not pay your balance in full each month, then, depending on the balance to which we allocate your payment, you may not be able to get a grace period on new purchases. Annual Percentage Rates. The daily periodic rate and corresponding APR that apply to each transaction category are set forth in your Pricing Schedule. The daily periodic rate is 11365th of the corresponding APR. Variable Interest Rates. One or more daily periodic rates and corresponding APRs that apply to a transaction category may be variable rates as set forth in your Pricing Schedule or in any special offers you receive from us. Variable APRS are determined by adding a specified number of percentage points to the Prime Rate. This is shown on the Pricing Schedule as "Prime + (percentage points).° For purposes of this Agreement, the Prime Rate is the -7- ~. 11DCM0 0280K TL23AG0211 00083.indd 9-10 1/11/11 9:41 AM highest rate of interest listed as the "prime rate" in the Money Rates section of The Wa115treetJoumal on the last business day of the month. The Prime Rate is merely a pricing index and does not represent the lowest or best interest rate available to a borrower at any bank at any given time. H you have a variable rate, your APR will invease or decrease when the Prime Rate changes. This change will be effective beginning with the first day of the billing period that begins during the same calendar month asthe change in the Prime Rate. An increase in the APR may increase your Minimum Payment Due. Penahy APR Each time that you do not make the Minimum Payment Due by the Payment Due Date we may, in accordance with applicable law: (i) terminate the availability of any promotional APRs on new purchases and balance transfers; and (ii) increase your APRs for new purchases and balance transfers to variable Penalty APRs. Each new variable Penalty APR for a new purchase or balance transfer is determined by adding up to 5 additional percentage points to the otherwise applicable APR and will vary based on any changes in the Prime Rate. (For example, if the promotional purchase rate was 2.99°h and the rate for other purchases was 15.99% and you paid late once, the rate for all new purchases could increase up to 20.99% variable and vary thereafter with the Prime Rate.) When we first determine the variable Penalty APRs, we uze the Prime Rate effective for the billing period in which you pay late. The variable Penalty APRs are determined in atcordance with the Variable Interest Ratessection. We will baseyour PenaltyAPRonyourcreditworthiness and other factors such as your current APRs and your Account history. If we increase any of your APRs to a Penalty APR, we will send you a notice, in accordance with applicable law, advising of (i) the date the new Penalty APR will apply (the "Penalty APR Effective Date")and (ii) the new purchases and balance transfers to which it will be applied (note: the new Penalty APR will not apply to any other transactions). New purchases and balance transfers are those purchases and balance transfers which either (i) have a Transaction Date, as shown on your billing statement, of more than fourteen days after we mail or deliver the notice to you, or (ii) were posted to your Account after the current Penaty APR Effective Date. Your Account will not be subject to a Penalty APR for the first twelve billing periods after your Account is first opened. tf your APR for purchases or balance transfers was increased to a Penalty APR, we will, to the extent required by applicable law, periodically review your Account to determine if any of those APRs should 6e reduced. Any reduced APRs on new and existing balances may be different and may be higher than your previous standard APRs for purchases andlor balance transfers or any promotional rate. FEES Cash Advance Fee. Unless otherwise specified in a cash advance offer, we will charge you a Cash Advance Fee in the amount indicated on your Pricing Schedule. All forms of cash advances, including the use of Discover Card checks, regardless of the purpose for which used, are subject to a Cash Advance Fee. Balance Transfer Fee. Unless otherwise specified in a balance transfer offer, we will charge you a Balance Transfer Fee of 5'/ of the amount of each new -8- balance transfer with a minimum Balance Transfer Fee of S10 and no maximum. Foreign Currency Fee. We will charge you a Foreign Currenry Fee of 2% of the U.S. dollar amount of each purchase made in a foreign currency. Minimum Interest Charge. We vvill charge you a minimum Interest Charge of 5.50 for any billing period in which Interest Charges of less than 5.50 would otherwise be imposed. Annual Fee. If your Pricing Schedule accompanying your Card includes an Annual Fee, we will charge you an Annual Fee in the amount indicated. We will charge you this fee when we open your Account and at the beginning of each anniversary year your Account is open. The Annual Fee is not refundable, except as provided by law. Late Fee. We will charge you a Late Fee if you have failed, as of the Payment Due Date, to make the Minimum Payment Due that was required to be paid for that billing period. The amount of the Late fee is 525, except the amount of any subsequent Late Fee assessed during the next six billing periods after a Late Fee is assessed is 535. The Late Fee will never exceed the Minimum Payment Due that was due immediately prior to the date on which the Late Fee was assessed and will never exceed the amount permitted by law. Returned Payment Fee. We will charge you a Returned Payment Fee any time you pay us with a check or other instrument that is returned unpaid. This fee will also apply if a debit transaction to a deposit account from which you have authorized us in writing, electronically or orally, to deduct all or a part of an amount you owe us under this Agreement is returned unpaid. We will charge you this fee the first time any payment is returned unpaid, even if it is paid upon resubmission. The amount of the fee is 525, except the amount of any subsequent Returned Payment Fee assessed during the next six billing periods after a Returned Payment fee is aszessed is 535. The Returned Payment fee will never exceed the Minimum Payment Due that was due immediately prior to the date on which the payment was returned to us and will never exceed the amount permitted by law. Returned Discover Card Check Fee. We will charge you a Returned Discover Card Check Fee each time we decline to honor a Discover Card cash advance check, balance transfer check, promotional purchase check, or other promotional check. The amount of the fee is 525, except the amount of any subsequent Returned Discover Card Check Fee assessed during the next six billing periods after a Returned Discover Card Check Fee is assessed is 535. The Returned Discover Card Check Fee will never exceed the amount of the check and will never exceed the amount permitted by law. Research fee. We may charge you a Research Fee of $5 for each copy of a billing statement or sales slip that you request. However, we will not charge a fee if you request copies in connection with a billing error. DEFAULT AND CANCELLATION Types of Default You are in default if you become insolvent; if you file a bankruptcy petition or have one filed against you; if we have a reasonable belief that you are unable or unwilling to repay your obligations to us; if you are declared incompetent by a court or if a court appoints a guardian for you or a conservator for your assets; if you die; if you fail to comply with the terms of this Agreement, including failing to make a required payment 9- 11DCM0 0280K TL23AG0211 000e3.indd 11-12 1/11/11 9:41 AM when due, exceeding your Account credit line or using your Card or Account for a Prohibited Transaction; or if you fail to make a required payment when due on any other account you have with us. Consequences of DefauM. H you are in default we may declare the entire balance of your Account immediately due and payable without notice. If we refer the collection of your Account to an attorney or employ an attorney to represent us with regard to recovery of money that you owe us, we may charge you reasonable attorneys' fees and court or other collection costs as permitted by law and as actually incurred by us, including fees and costs in connection with any appeal. We may delay enforcing or not enforce any of our rights under this Agreement without losing or waiving any of them. Cancellation. You may cancel your Account by notifying us in writing or by telephone and returning or destroying every Card and unused check that we have provided you. You can notify us by telephoning 1-800-DISCOVER (1.800-347-2683), or by writing Discover, PO Box 30943, Salt Lake City, UT 64130-0943.Of course, you will still be responsible to pay any amount you owe us according to the terms of this Agreement. If your Account is a joint Account, ether Cardmember may cancel the Account, but you will both remain responsible to pay any amount owed to us according to the terms of this Agreement. We may cancel or suspend your Account at any time without notice. We may choose not to renew your Account (beyond the expiration date shown on the face of a Card) without notice. You must return any Card or unused checks to us upon request. PRIVACY AND OUR COMMUNICATIONS WfTH YOU Our Privacy Policy. We may from time to time review your credit, employment and income records. We respell the privacy of information about you and your Account. Our Privary Policy includes a summary of the personal information we tolled, when it may be shared with others, how we safeguard the confidentiality and security of information and the steps you may take to limit our sharing of such information with others. Please read it carefully as it is part of your Cardmember Agreement. Reporting to Credit Reporting Agendes. As indicated in our Privary Policy, we may report to credit reporting agencies and other creditors the status and payment history of your Account, including negative credit information. Late payments, missed payments or other defaults on your Account may be reflected in your credit report. We normally report to such credit reporting agencies each month. If you believe that our report of your Account status is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 19850-5316. Please include your name, address, home telephone number and Account number. Our Communications with You. You agree that our personnel may listen to or record telephone calls between you and our representatives without additional notice to you, including but not limited to calls we make to tolled debts. We may use any medium permitted bylaw, including but not limited to mail, live telephone calls, automated telephone equipment, prerecorded telephone calls, a-mail, text messages and calls to your cell phone to contact you about your Account or to offer you products or services that may be of value to you. If you prefer not to be contacted in one or more of these ways, you must either telephone us at 1-800-DISCOVER (1-800-347-2683) or write to us at Discover, PO Box 30961, Salt Lake City, UT 84130-0961. -10- Releasing Information About Your Account We provide various methods by which you wn obtain information about your Account. We will only release such information to you, any Authorized User that our records indicate is an authorized buyer on your Account, and any other person with your prior permission, in addition to as provided in our Privacy Policy or as required bylaw. Our security measures cannot insure against unauthorized inquiries. You agree that we will not be responsible for the release of information to anyone who, even if without your authorization or permission, has gained possession of a Card or has learned other identifying characteristics about you such as your personal identification number, Account number or social security number. Electronic Notices to You. We may offer you the opportunity to receive certain notices from us electronically rather than through the mail, including monthly billing statements and change of terms notices. The terms and conditions for receiving these electronic communications will be described in the offer. Notices -Changes to Your Information. ff you change your a-mail address, mailing address or telephone number you must notify us of your new address or telephone number within 15 days. You can notify us by telephoning 1-800-DISCOVER (1.800-347.2683) or by writing Discover, PO Box 30943, Sah Lake City, UT 84130.0943. If your Account is a joint Account, any notice we mail to an address you have provided for the Account will serve as notice to both Cardmembers. CLAIMS AND DISPUTES Merchant Disputes. We are not responsible for the refusal of anyone to accept or honor a Card or to accept checks that we have provided you. If a merchant fails to provide your purchase to your satisfaction and you request a credit to your Account, we will investigate the dispute. If we resolve the dispute in your favor, we will issue a credit to your Account and you will be deemed to have assigned to us your claim against the merchant and/or any third party for the credited amount. Upon our request, you agree to provide us with written evidence of such assignment. Claim Notices. In the event that you or we have a claim that arises from or relates to your Account, any prior account you had with us, your application, the relationships which result from your Account or the enforceability of the Agreement or any prior agreement, before initiating, joining or participating in any judicial or arbitration proceeding, as either an individual litigant or member of a class ("Proceeding"), the complaining party shall give the other party: (1) a written notice of the claim ("Claim Notice"), at least 15 days before initiating any Proceeding, explaining in reasonable detail the nature of the claim and any supporting facts; and (2) a reasonable good faith opportunity to resolve the claim without the necessity of a Proceeding. This includes any claims involving our parent corporation, subsidiaries, affiliates (including, without limitation, DFS Services LLC), predecessors, successors, assigns, as well as the officers, directors and employees of each of these entities. Any Claim Notice shall be sent to us at Discover, PO Box 3024, New Albany, OH 43054 (or such other address as we shall subsequently provide to you) (the "Claim Notice Address") or to you at your address appearing in our records or, if you are represented by counsel, to your attorney at your attorney's office. Arbitration of Disputes. Agreement to arbitrate. In the event of any past, it- i1DCM0_02BOK_TL23AG0211 _00083.indd 13-14 1/11/11 9:41 AM present or future claim or dispute (whether based upon contract, tort, statute, common law or equity) between you and us arising from or relating to your Account, any prior account you have had with us, your application, the relationships which result from your Account or the enforceability or scope of this arbitration provision, of the Agreement or of any prior agreement, you or we may elect to resolve the claim or dispute by binding arbitration. If ERHER YOU OR WE ELECT ARBITRATION, NERHER YOU NOR WE SHALL HAVE THE RIGHT TO LITIGATE THAT CLAIM IN COURT OR TO HAVE A JURY TRIAL ON THAT CLAIM. PRE-HEARING DISCOVERY RIGHTS AND POST-HEARING APPEAL RIGHTS WILL BE LIMBED. NERHER YOU NOR WE SHALL BE ENTRLED TO JOIN OR CONSOLIDATE CLAIMS IN ARBTRATION BY OR AGAINST OTHER CARDMEMBERS WITH RESPECT TO OTHER ACCOUNTS, OR LTIGATE IN COURT OR ARBRRATE ANY CLAIMS AS A REPRESENTATIVE OR MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACRY ("Class Action Waiver"). Notwithstanding anything else to the contrary in this arbitration provision, only a court, and not an arbitrator, shall determine the validity and effect of the Class Action Waiver. Even if all parties have opted to litigate a claim in court, you or we may elect arbitration with respect to any claim made by a new party or any new claims later asserted in that lawsuit and nothing undertaken therein shall constitute a waiver of any rights under this arbitration provision. We will not invoke our right to arbitrate an individual claim you bring in small claims court or your state's equivalent court, if any, unless such action is transferred, removed or appealed to a different court. Governing Law and Rules. Your Account involves interstate commerce and this provision shall be governed by the Federal Arbitration Act (FAA). The arbitration shall be conducted, at the option of whoever files the arbitration claim, by either the American Arbitration Association (AAA) or JAMS in accordance with their procedures in effect when the claim is filed. For a copy of their procedures, to file a claim or for other information, contaR AAA at 335 Madison Ave., Floor 10, New York, NY 10017-5905, vvww.adr.org (phone 1-800-778-7879) or JAMS at 620 Eighth Ave., Floor 34, New York, NY 10018, vvww.jamsadr.com (phone 1-800-352-5267). No other arbitration forum will be permitted, except as agreed to pursuant to either the Changes to this Agreement section or a writing signed by both parties. If neither AAA nor JAMS is able or willing to serve as the arbitration administrator and we and you are unable to agree on a replacement administrator or arbitrator, then a court of competent jurisdiction will appoint an administrator or arbitrator or arbitrators (in the case of an appeal to a panel of three arbitrators as described below). Unless consented to by all parties, no arbitration may be administered by any administrator or arbitrated by any arbitrator that has any formal or informal policy, rule or procedure that is inconsistent with or purports to override the terms of this section. If we elect to resolve a claim or dispute by binding arbitration and the arbitrator issues an award in your favor on a claim or claims with respect to which you would not otherwise be entkled to recover your arbitration filing, administrative and hearing fees, reasonable attorneys' fees and/or other arbitration costs, we will be responsible for paying or reimbursing such costs and fees if awarded by the arbitrator. Fees and Costs. At your written request, we will advance any arbitration filing, administrative and hearing fees which you would be required to pay 12- to pursue a claim or dispute as a resuh of our electing to arbitrate that claim or dispute. Send requests to Discover, PO Box 30421, Salt Lake Ciry, UT 84130-0421. The arbitrator will decide who vnll ukimately be responsible for paying those fees. You will only be responsible for paying or reimbursing our arbitration filing, administrative or hearing fees to the extent you would have been responsible for paying "attorneys' fees and court or other collection casts" had the action proceeded in court. In no event will you be required to pay any fees or costs incurred by us in connection with an arbitration proceeding where such a payment or reimbursement is prohibked by applicable law. Hearings and Decisions. Any arbitration hearing will take place in the federal judicial district where you reside. The arbtrator shall follow applicable substantive law to the extent consistent with the FAA and applicable statutes of limitations and shall honor claims of privilege recognized at law and shall be authorized to award all remedies permitted by the substantive laws that would apply if the action were pending in court. H requested by any party, the arbitrator shall write an opinion containing the reasons for the award. The arbitrators decision will be final and binding except for any appeal rights under the FAA and except that if the amount in controverry exceeds 5100,000, any party may appeal the award within 30 days to athree-arbitrator panel, which shall review the award de novo. Unless applicable law provides otherwise, the appealing party will pay the cost of the appeal, regardless of its outcome. However, we will consider in good faith any reasonable request for us to bear the fees charged by the arbitration administrator and the arbitrators in connection with the appeal. Judgment upon any award by the arbitrator may be enforced in any court having jurisdiction. Other Beneficiaries of this Provision. Our rights and obligations under this arbitration provision shall inure to the benefit of and be binding upon our parent corporations, subsidiaries, affiliates (including, without limitation, DFS Seances LLC), predecessors, successors, assigns, as well as the officers, directors and employees of each of these entities, and will also inure to the benefit of any third party named as a co-defendant with us or with any of the foregoing in a claim which is subject to this arbitration provision. Your rights and obligations under this arbitration provision shall inure to the benefit of and be binding upon all persons contractually liable under this Agreement and all Authorized Users of the Account. Survival of this Provision. This arbitration provision shall survive termination of your Account as well as voluntary payment in full by you, any legal proceedings by us to collect a debt owed by you, any bankruptry by you and any sale by us of your Account. Right to Reject Arbitration. You may rejeR the Arbitration of Disputes section by providing us a notice of rejection within 30 days after receiving a Card, at the following address: Discover, PO Box 30938, Sak Lake City, UT 84130-0938. If you were previously subject to arbitration with respell to any account with us, this right to reject arbitration will not apply to you. Your rejection notice must include your name, address, telephone number, Account number and signature and must not be sent with any other correspondence. Calling us to indicate that you rejeR the Arbitration of Disputes section or sending a rejection notice in a manner or format that does not comply with all applicable requirements is insufficient notice. In 13- 11DCM0 0280K TL23AG0211 00083.indd 15-i6 1/11/11 9'41 AM order to process your notice, we require that the notice be provided by you directly and not through a third party. Rejection of arbitration will not affect your other rights or responsibilities under this Agreement or your obligation to arbitrate disputes under any other account as to which you and we have agreed to arbitrate disputes. H you do not send a rejection notice, you will be obligated by the Arbitration of Disputes section with respect to this and any prior account you have had with us, even if you have previously sent a rejection notice with respell to that prior account. LEGAL INTERPRETATION OF THIS AGREEMENT Severability. If any part of this Agreement becomes unenforceable, it will not make any other part unenforceable, except that if the Class Anion Waiver set forth above in the Arbitration of Disputes section is invalidated in any proceeding in which you and we are involved, then the Arbtration of Disputes section will be void with respell to that proceeding. Compliance with Irrterest Rate Limitations. We intend that this Agreement will comply with applicable interest rate limitations. You will not be required to pay Interest Charges or other charges at a rate that is greater than the maximum amount permitted by law. H it is ever finally determined that, but for this section, the Interest Charges or other charges under this Agreement would exceed the maximum lawful amount, the Interest Charges and other charges will be reduced to the maximum lawful amount. Any excess amount that you have already paid will be used to reduce the outstanding balance of your Account or will be refunded to you by means of a check in our discretion. Governing Law. This Agreement and any daim or dispute arising out of this Agreement will be governed by applicable federal law and, to the extent state law applies, Delaware law. ASSIGNMENT OF ACCOUNT We may sell, assign or transfer your Account or any portion thereof without notice to you. You may not sell, assign or transfer your Account without first obtaining our prior written consent. Your Billing Rights: Kee~This Document For Future Use This notice tells you about your rights and our responsibilities under the Fair Credit Billing Att. What To Do H You Find A Mistake On Your Statement If you think there is an error on your statement, write to us at: Discover PO Box 30421 Salt Lake City, UT 84130-0421. In your letter, give us the following information: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. 14- 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 murt 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 the amount in question, What Will Hap~err Aker 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 letter. 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 far the remainder of your balance. • We can apply any unpaid amount against your credit limit. After we finish our investigation, one of two things will happen: • If we made a mistake: You will not have to pay the amount in question or any interest or other fees related to that amount. • If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe. If you receive our explanation but still believe your bill is wrong, you must write to us within 10 davs telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first S50 of the amount you question even if your bill is correct. Your Rights N You Are Dissatisfied With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried In good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than 550. (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.) -15- 11DCM0_a280K_TL23AGa211_00083.indd 17-18 1/11/11 9:47 AM 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Discover PO Box 30945 yak Lake City, UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. DESCRIPTION OF COVERAGE SCHEDULED AIR TRAVEL ACCIDENT INSURANCE Discover® Cardmembers are provided with 5500,000 Scheduled Air Travel Accident Insurance.' You, your Spouse, Domestic Partner or eligible Dependent Children for whom a ticket was purchased on your Card (as defined below) will be automatically insured against Accidental Loss of Life arising from and occurring on a Covered Trip while you, your Spouse, Domestic Partner or eligible Dependent Children for whom a ticket was purchased on your Card are riding as a passenger in or entering, exiting or being struck by a Scheduled Aircraft or a conveyance operated by a military transport service or riding as a passenger in or entering or exiting any conveyance licensed to carry the public for a fee and while traveling directly to or from the airport immediately preceding the departure of a Scheduled Aircraft on which the Insured Person has purchased passage and immediately following the arrival of a Schedule Aircraft on which the Insured Person was a passenger. 'Coverage is underwritten by Federal Insurance Company, a member insurer of the Chubb Group of Insurance Companies. Certain limitations and exclusions apply. PLAN FEATURES THE BENEFRS: The full Benefit Amount ($500,000) is payable for Accidental Loss of Life. The Loss must occur within one year of the Accident. MAXIMUM LIMB OF INSURANCE: If more than one Insured Person suffers a Loss in the same Accident, the Company will not pay more than the maximum limit of insurance (520,000,000) per Accident. If an Accident results in Benefit Amounts becoming payable, which when totaled, exceed the applicable limit of insurance shown above, the maximum limit of insurance will be divided proportionally among the Insured Persons, based on each applicable Benefit Amount. In the event of muhiple Accidental deaths per Account arising from any one Accident, the Company's liability for all such Losses will be limited to a maximum limit of insurance equal to two times the applicable Benefit Amount for Loss of Life. Benefits will be proportionately divided among the Insured Persons up to the maximum limit of insurance. -76- DEFlNRIONS: Accident or Acddental means a sudden, unforeseen and unexpected event happening by chance, and includes unavoidable exposure to elements arising from a covered Hazard. Accdental Bodily Inju iesl means bodily injury which is Accidental, is the direct source of a Loss, is independent of disease, illness or other cause and occurs while this policy is in force. Account means a Card account Beneftt Amount means the Loss amount at the time the entire cost of the passenger fare is charged to an Account. Card means the Discover Card. Cardmember means the holder of the Card whose name appears on the cred'tt card. Comoanv means the Federal Insurance Company. Covered Trio means travel on a Scheduled Aircraft when the entire cost of the passenger fare for such transportation, less redeemable certificates, vouchers or coupons, has been charged to the Insured Person's Account. Decendent Child or Children means those children, including adopted children and those children placed for adoption, who are primarily dependent upon the Insured Person for maintenance and support and who are: (1) under the age of 19 and reside with the Insured Person; (2) beyond the age of 19, permanently mentally or physically challenged and incapable of self support; or (3) under the age of 25 and classified as full-time students at an institution of higher learning. Domestic Partner means a person who: (1) is at least 18 years of age and competent to enter into a contract; (2) is not related to the Insured Person by blood; (3) has exclusively lived with the Insured Person for at least one year prior to the date of enrollment; (4) is not legally married or separated; and (5) as of the date of enrollment, has with the Insured Person at least two of the following financial arrangements: (a) a joint mortgage or lease; (b) a joint bank account; (c) joint title to or ownership of a motor vehicle or status as a joint lessee on a motor vehicle lease; or (d) a joint credit card account with a financial institution. Neither the Insured Person nor the Domestic Partner can be married to, nor in a civil union with, anyone else. Hazard means the covered circumstances for which this insurance is provided as stated in Section III of the Declarations, Hazards, and described in the Hazards form, as described on page 1 of this Description of Coverage. Insured Person means all Cardmembers, their spouses, Domestic Partners and Dependent Children, as well as authorized users of the Account. Loss means the Loss of Life. Loss of Life means death, including clinical death determined by the local governing medical authorities. Policyholder means DFS Services LLC, the entity responsible for the payment of premium. Scheduled Aircraft means an aircraft owned and/or operated by a Scheduled Airline. Scheduled Airline means an airline which is either of United States registry and certified by the United States government to carry passengers on a 17- 11DCM0_02BOK_TL23AG0211_00083.indd 19-20 1/11!11 9:41 AM regularly scheduled basis or of foreign register and approved by the United States government and the appropriate foreign authority. War means hostilities following a declaration of War by a government authority. H there is no declaration of War, then (1) armed, open and continuous hostilities between two countries or (2) armed, open and continuous hostilities between two factions, each in control of tercitory, or claiming jurisdiRion over the site of the area of hostility. DISAPPEARANCE BENEFRS: ff the Insured Person has not been found within one year of the disappearance, stranding, sinking, wrecking or breakdown of any Scheduled Aircraft or conveyance in which the Insured Person was covered as an occupant, it will be assumed, subject to all other terms of the policy, that the Insured Person has suffered Loss of Life covered under this policy. EXPOSURE BENEFRS: Accident includes unavoidable exposure to elements arising from a covered Hazard. ELIGIBILITY: This insurance plan is provided to Insured Persons automatically when the entire cost of the passenger fare(s) on a Scheduled Airline is charged to the Cardmember's Account while the insurance is effective. h is not necessary for you to notify the Poliryholder or the Company when Scheduled Airline tickets are purchased. EFFECTIVE DATES: Your insurance under this insurance plan is effective on the later of: 1) April 1, 2007; or 2) the date you become an eligible Cardmember. Your insurance coverage under this insurance plan will cease on the earlier of: (1) the date the insurance coverage is terminated; or (2) the date you cease to be an eligible Cardmember. COST: This insurance plan is provided at no additional cost to eligible Insured Persons for Covered Trips. Poliryholder pays the full cost of the insurance. THE BENEFlCIARY: The Lass of Life benefit will be paid to the beneficiary designated by you. H no such designation has been made, that benefR will be paid to the first surviving beneficiary in the fallowing order: a) your spouse; b) your children; c) your parents d) your brothers and sisters, e) your estate. All other Indemnities will be paid to you. If you wish to change your beneficiary, you may request a beneficiary designation form by writing to the plan administrator at: The Direct Marketing Group, Inc., 13265 Bedford Avenue, Omaha, NE 68164 or at Beneficiaryrequest~TheDirectMG.com. EXCLUSIONS: This insurance plan does not cover Loss resuhing from: (1) an Accident occurring while an Insured Person is in, entering, or exiting any aircraft owned, leased or operated by this Policyholder or any aircraft owned, leased or operated by an employee of the Policyholder on behalf of the Policyholder (this exclusion does not apply to aircraft chartered with pilot or crew on one time charter basis), (2) an accident while an Insured Person is in, entering, or exiting any aircraft white aging or training as a pilot or crew member (this exclusion does not apply to passengers who temporarily perform pilot or crew functions in a life threatening emergenry); (3) emotional trauma, mental or physical illness, disease, pregnanry childbirth or miscaniage, bacterial or viral infection, or bodily malfunctions (except bacterial infection caused by an Accident or from Accidental consumption of a substance contaminated by bacteria); (4) suicide, attempted suicide or Loss that is intentionally self-inflicted; or (5) declared or undeclared War. 18- CLAIM NOTICE: Written claim notice must be given to the Company within 90 days after the occurrence of any Lou covered by this policy or as soon as reasonably possible. Failure to give notice within 90 days will not invalidate or reduce any otherwise valid claim if notice is given as soon as reasonably possible. CLAIM FORMS: When the Company receives notice of a claim, the Company will send you forms for giving proof of Loss to us within 15 days. If you do not receive the forms, you should send the Company a written description of the Loss. CLAIM PROOF OF LOSS: Complete proof of Loss must be given to Company within 90 days after the date of Loss, or as soon as reasonably possible. Failure to give complete proof of Loss within these time frames will not invalidate any otherwise valid claim if notice is given as soon as reasonably possible and in no event later than one year after the deadline to submit complete proof of Lou. CLAIM PAYMENT: The Company will pay you or your beneficiary the applicable Benefit Amount within 60 days after complete proof of Lass is received and if you, the Policyholder andlor the beneficiary have complied with all the terms of the policy. ARBRRATION: In the event of a dispute under this policy, either the Company or the Insured Person may make a written demand for arbitration. In that case, the Company and the Insured Person will each select an arbitrator. The two arbitrators will select a third. If they cannot agree within 15 days, either the Company or the Insured Person may request that the choice of arbitrator be submitted to the American Arbitration Association. The arbitration will be held in the state of the Insured Person's principal residence. IF YOU HAVE ANY CLAIM RELATED QUESTIONS, PLEASE CALL THE CWMS SERVICE CENTER AT 1-B00-CLAIMS-0 (1-800.252.4670). You can also go to the Company Web site (www.chubb.com), click on Report a Loss, select Accident, Benefits and Life claims, select the appropriate form, print out the claim form, fill out and mail. You can file a claim by mail or fax. Mailing Address: CHUBB GROUP OF INSURANCE COMPANIES CLAIMS SERVICE CENTER 600 INDEPENDENCE PARKWAY PO BOX 4700 CHESAPEAKE, VA 23327-4700 Fax Number: 1-800-300.2538 As a handy reference guide, please read this and keep it in a safe place with your other insurance documents. This description of coverage is not a contract of insurance but is a summary of the principal provisions of the insurance while in effeR. Complete polity provisions are contained in the Master Policy, which can be obtained from the Poliryholder: Policy X9906-18-06 Policy Underwritten By Plan Administrator Federal Insurance Company The Direct Marketing Group, Inc. a member insurer of the 13265 Bedford Avenue Chubb Group of Insurance Companies Omaha, NE 68164 15 Mountain View Road, PO Box 1615 Warren, NJ 07061-1651 19 11DCM0_02BOK_TL23AG0211 _00083.indd 21-22 1/11/11 9:41 AM DESCRIPTION OF COVERAGE SECONDARY RENTAL CAR COWSION COVERAGE Discover® Cardmembers can benefit from the security and safety offered through Excess Collision Damage Waiver. H you rent a vehicle for 31 consecutive days or less (or 45 days under certain circumstances described below) with your Card (as defined below), you may be eligible for benefits under this coverage. Excess Collision Damage Waiver is an insurance program, underwritten by Federal Insurance Company Polity H990fr17-63 (the "Policy"). DEFINITIONS: ount means a Card account. Actual Cash Value means the cost to repair or replace the Rented Automobile at the time of loss, less depreciation. Cardmember means the holder of the Card whose name appears on the credit card. Card means the Discover Card. Collision Damage means the direct and accidental damage to a Rented Automobile caused by upset or collision with another object. Collision Damage does not include loss caused by missiles, falling objects, fire, theft or larceny, explosion, earthquake, windstorm, hail, water, flood, malicious mischief or vandalism, riot or civil commotion. Comoanv means the Federal Insurance Company. Insured means Cardmembers and authorized users of the Account. Policyholder means DFS Services LIC, the entity responsible forthe payment of premium. Rental Agenry means a commercial automobile rental company licensed under the laws of the applicable jurisdiction. Rented Automobile means afour-wheeled private passenger type motor vehicle or a minivan manufactured and designed to transport a maximum of seven passengers and used excursively to carry passengers. A Rented Automobile must be designed for travel on public roads and rented from Rental Agenry. TO GET COVERAGE: • The Collision Damage Waiver Coverage is provided to you, as an Insured, automatically when the entire rental fee for the Rented Automobile is charged or debited to your Account k is not necessary for you to notify the Company at the time the rental fee is charged or debited to your Account. • You must decline the LosslDamage Waiver offered by the vehicle Rental Agenry. • You must rent the vehicle in your own name and sign the vehicle rental agreemenUcontraR. • The coverage period will not exceed 31 consecutive days, or 45 consecutive days if the Insured is an employee of an organization which has provided a Card to the Insured for business use. THE KIND OF COVERAGE YOU RECEIVE: In consideration of the premium paid by the Poliryholder as required, and -20- subject to all the terms of the Polity, the Company agrees to reimburse on an ARUaI Cash Value basis either the Insured or the Rental Agency for repair or replacement of the Rented Automobile as a result of Collision Damage to the Rented Automobile. The Company's liability will be for a maximum reimbursement of 525,000. In no event will the Company be liable beyond the amounts actually paid by the Insured or the Rental Agency. • If you or an Insured's primary vehicle insurance or other coverage has made payments for a covered loss, Excess Collision Damage Waiver will cover your deductible and any other eligible amounts not covered by other insurance. • This coverage is not all-inclusive, which means it does not cover such things as personal injury or personal liability It does not cover you for any damages to other vehicles or property. It does not cover you for any injury to any party. WHO IS COVERED: • Discover Cardmembers EXCLUDED RENTAL VEHICLES: Off-road, antique or limited edition motor vehicles; trucks; recreational vehicles, campers, pickup trucks, and mini-buses; limited edition motor vehicles or high value, exotic, high performance or collector type. High value motor vehicles are motor vehicles whose replacement value exceeds E50,000, and antique motor vehicles are defined as any vehicle over 25 years old, or any vehicle which has not been manufactured for 10 years or more. WHERE YOU ARE COVERED: • Coverage applies to vehicles rented anywhere in the world. • Coverage is not available where prohibited bylaw. WHAT Is NOT COVERED: Coverage does not apply to loss resulting from the following: • Any dishonest, fraudulent or criminal act of the Insured. • Forgery by the Insured. • Loss due to war or confiscation by authorities. • Loss due to nuclear reaction or radioactive contamination. • The Insured being intoxicated, as defined by the laws of the jurisdiction where the loss occurred, or under the influence of any narcotic unless prescribed by a physician. • Use of the Rented Automobile to carry passengers and propery for hire. • Use or the Rented Automobile 6y a person other than the one authorized to operate the Rented Automobile by the terms of the Rental Agreement. • Loss of use of the Rented Automobile. • Intentional damage to the Rented Automobile by the Insured. • Damage which is due and confined to wear and tear, freezing, mechanical or electrical breakdown or failure. • Damage to tires unless the loss is coincident with a covered loss. • Use of the Rented Automobile in tests, races or contests. • The Rented Automobile being operated or located in any territory prohibited by the terms of the Rental Agreement. _ Zt - 11DCM0 02BOK TL23AG0211 00083.indd 23-24 1/11/11 9:41 AM FOR INSUREDS WHO ARE NEW YORK STATE RESIDENTS: To the extent that this plan provides insurance against damage to a rented motor vehicle, the following terms and conditions apply: (1) the period of insurance coverage will not exceed 31 consecutive days, or 45 consecutive days if the Insured is an employee of an organization which has provided the Card to the Insured for business use; and (2) the insurance provided by this plan will be excess over any other valid and collectible insurance covering the Rented Automobile. However, the insurance provided under this plan may be primary if specffically provided for under the terms of this plan and if the following criteria is met: (a) the Rented Automobile is rented for use outside the United States, its territories and possessions; (b) the Insured is an employee of an organization which has provided the Card to the Insured for business use; and (c) the Rented Automobile is rented without a driver. HOW TO RLE A CLAIM UNDER EXCESS COWSION DAMAGE WAIVER: In the event of a claim, written or verbal notice must be provided as soon as reasonably possible. IF YOU HAVE ANY CLAIM RELATED QUESTIONS, PLEASE CALL THE CLAIMS SERVICE CENTER AT 1.800-CLAIMS-0 (1.800.252.4670). You can also go to the Company Web site (vvww.chubb.com), click on Report a Loss, select Accident, Benefits and Life claims, select the appropriate form, print out the claim form, fill out and mail. You can file a claim by mail or fax. Mailing Address: CHUBB GROUP OF INSURANCE COMPANIES CLAIMS SERVICE CENTER 6001NDEPENDENCE PARKWAY PO BOX 4700 CHESAPEAKE, VA 23327-4700 Fax Number. 1-800-300-2538 CLAIM PROCEDURE: The Insured must send the Companywritten notice of a claim, including the Insured's name and Policy number, within 90 days after a covered loss occurs. If notice cannot be given within that time, it must be given as soon as reasonably possible. To file a sworn Proof of Loss, the Insured must send the following information to the Company or its authorized representative: • A copy of the Account statement showing the automobile rental transaction. • A copy of the automobile rental agreement. • A copy of the police report. • A copy of the initial claim report submitted to the automohile Rental Agency. • A copy of the paid claim presented by the automobile Rental Agenry for the Collision Damage for which the Insured is responsible. • Proof of submission of the loss to, and the results of any settlement or denial by the applicable insurance carrier(s). • If no other insurance is applicable, a notarized statement from the Insured to that effect. Reminder. Please refer to the Insurance Disclosures seilion. 22 - INSURANCE DISCLOSURES As a handy reference guide, please read this document and keep it in a safe place with your other insurance documents. This Summary of Coverage is not a contrail of insurance but is simply an informative statement to eligible Insureds of the principal provisions of the insurance while in effect Complete provisions pertaining to this plan of insurance are contained in the master polity on file with Df5 Services LLC, herein referred to as the Policyholder If a statement in this Summary of Coverage and any provision in the polity differ, the policy will govern. Policy Underwritten By Plan Administrator Federal Insurance Company (°Company") The Direct Marketing Group, Inc. a member of the 13265 Bedford Avenue Chubb Group of Insurance Companies Omaha, NE 68164 15 Mountain Vew Road, PO Box 1615 Warren, N107061-1651 Master Policy Number: 9906.17-63 Effective date of benefits: Effective April 1, 2007, this guide replaces all prior disclosures, program descriptions, advertising, and/or brochures by any party. Policyholder and Company reserve the right to change the benefits and features of these programs at any time. Cancellation: Policyholder can cancel these benefits at any time or choose not to renew the insurance coverage for all authorized Cardmembers. If Policyholder does cancel these benefits, you will be notified at least 60 days in advance. If the Company terminates, cancels, or chooses not to renew the coverage to Policyholder, you will be notified as soon as is practicable, Insurance benefits will still apply for any benefits you were eligible for prior to the date of such terminations, cancellation, or non-renewal, subject to the terms and conditions of coverage. Benefits to you: These benefits apply only to Cardmembers whose cards are issued by U.S. financial institutions. The United States is defined as the 50 United States, the District of Columbia, American Samoa, Puerto Rico, Guam and the U.S. Virgin Islands. No person or entity other than the Cardmember shall have any legal or equitable right, remedy, or claim for insurance proceeds and/or damages under or arising out of this coverage. These benefits do not apply if your Card privileges have been cancelled. However, insurance benefits will still apply for any benefit you were eligible for prior to the date that your Account is suspended or cancelled subject to the terms and conditions of coverage of your Cardmember Agreement. Transfer of rights or benefits: No rights or benefits provided under these insurance benefits may be assigned without the prior written consent of the Company. Misrepresentation and Fraud: Coverage of the Insured will be void if, at any time, the Insured has concealed or misrepresented any material fad or circumstance concerning this coverage or the subject thereof or the interest of the Insured herein, or in case of any fraud or false swearing by the Insured relating thereto. Coverage for an Insured will be void if, whether before or after a loss, -23- 11OCM0 0280K TL23AG0211 00063.Indd 25-26 1/11/11 9:41 AM the Policyholder or its subscribing organization(s) has concealed or misrepresented any material fad or circumstance concerning this coverage or the subject thereof or the interest of the Insured therein, or in case of any fraud or false swearing by the Policyholder or its subscribing organization(s) relating hereto. Addition of New Insureds: All eligible persons will be automatically insured under this Policy. Examination Under Oath: It is a condition of this insurance that the Insured and the Policyholder, as often as may be reasonably required by the Company, will submit, and within its power cause others to submit, to examinations under oath and will produce for examination all writings, books of account, bills, invoices and other vouchers, or certified copies thereof if originals are lost, at such reasonable time and place as may be designated by the Company or its representative, and will permit extracts and copies thereof to be made. No such examination under oath, examination of documents or any other ad of the Company, its employees or representatives in connection with the investigation of any loss or claim will be deemed a waiver of any defense and such ads shall be deemed to have been made or done without prejudice to the Company's liability. No Benefit to Others: This coverage will in no way inure directly or indirectly to the benefit of any insurer, person or organization or other bailee. Subrogation: It is a condition of this insurance that if the Company pays the Insured for a loss, it will require the Insured to assign and transfer any claim or right of action against any individual, firm or corporation for such loss to the Company or subrogate or hold intrust all such rights to the extent of the amount paid. The Insured will agree to take action as requested by the Company to enforce such rights. Upon payment by the Company to the Insured, the Insured agrees to direct enforcement of such rights as reasonably requested by the Company and to return to the Company any recovery to the extent payment of loss has been made by the Company. Arbitration: In the event of a dispute under this polity, either the Company or the Insured may make a written demand for arbitration. In that case, the Company and the Insured will each select an arbitrator. The two arbitrators will select a third. if they cannot agree within 15 days, either the Company or the Insured may request that the choice of arbitrator be submitted to the American Arbitration Association. The arbitration will be held in the state of the Insured's principal residence. GLOBAL TRAVELER'S HOTLINE TERMS AND CONDITIONS The Global Traveler's Hotline provides Cardmembers and their families a wide range of free travel assistance benefits. It is operated by AXA Assistance USA, Inc. Visit Discovercard.comhravel to learn more. Eligibility. You must be a Cardmember whose Account is in good standing, the Cardmember's spouse or dependent child traveling with the Cardmember or an Authorized User of an Account in good standing. Third-Party Charges. Global Traveler's Hotline is not insurance, so you za - will be responsible for all third-party fees and expenses for services requested, such as professional or medical fees. Availability of Services. Certain services may not be available in all areas. Call us at 1-800-DISCOVER (i-800.347-2683) for assistance or if you have questions about a specific destination. Outside the U.S., call us tolled at 1-801-902-3100. While AXA Assistance will make every reasonable effort to provide the services, neither AXA Assistance nor Discover Bank or our respective affiliates will be liable if a service is not provided or for any services that are provided by third parties. The services and these terms and conditions are subject to change without notice. zs - 11DCM0_0280K_TL23AG0211 _00083.indd 27-28 1/11/11 9'41 AM /'~ ~~SC~VER New Balance Minimum Payment Due $1,178.64 $27.00 ~ Account Number ending in 9139 EnterAmounf Enclosed Babw Poyment Due Date $ ~-~ ApnY 10, 2005 Please make cfteck gyaable to Discover Platinum C d l ~ d ar or pay on ine Discovercar .com. tt SDSNBAOtUUt3592 KENNETH GENTRY TextAPP to DISCOV* to receive a link to our tree mobile app and peg your t>ili in seconds 22 ASHBUR~ DR fromanywheret MECHANICSBURG PA 17050-8203 PO BOX 71084 Illrrrll~rrrr~llrirlllrrlrl CHARLOTTE NC 28272-1084 Address, o-mail or telephone change$ Print change in space ~rr~r~lrrlrrrlrl~rrrl~rlrlrrr~lllnrlrrlnlrrllrrlrrlrrlrlrrl) above, or go to Discover.com. Print your e-mail address to receive important Account information and special ofFers. 00000198645893295355301178640000000000270D Discover Platinum Card Account Summary Closing fate: March 11, 2005 page 1 of 3 Account number ending in 9139 Previous Balance $.0.55 PaymenF Due Dote April 10, 2005 Payments And Credits 107.84 Minimum Payment Due $27.00 Purchases + 1,287.03 Credit Limit $6,100.00 Cash Advances + 0.00 Credit Availobk $4,921.00 Balance Transfers + 0.00 Cash Credlt limit $3,100.00 Finance Chargss + 0.00 Cash Credit Available $3,100.00 New Balance _ $1,178.64 You may ba able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 27.37 New Cashback Bonus This Period + 4.11 Everywhere Else + 0.00 Cashback Bonus® Since Anniversary Month Redeemed This Period - 20.00 October: $5.98 Cashback Bonus Balance $ 11.48 How Can We Hel YOU? P l . Visit Discover.com to pay your b$I for no cost, view your l A f atest ccount in ormation, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy selfservice Please have your Discover Card available. options or to speak with a Customer Service Account Marager .For TDD (assistance For hearing impaired] see reverse side 3. Write us of Discover Card, PO Box 30943, Sah Lake City, UT 84130 Transactions Payments arrd Credits $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date pWe Feb 24 Feb 2? TPP*THATPETPLACE 800.733.3829 PA Award and Rebate Credits Mare Mar 8 Merdwndise/Rstai Feb 14 Feb Id Feb 15 Feb 15 Feb 21 Feb 21 Feb 23 Feb 23 Feb 23 feb 23 Mar 1 Mar 1 Mar 9 Mar 9 P05927400001 REWARD REDEMPTION CRE017 TPP*THATPETPLACE 800.733-3829 PA P05927400001 SPECTRAPURE INC TEMPE AZ TPP THATPETPIACE LANCASTER PA 000669 TPP THATPETPLACE LANCASTER PA 000490 TPP*THATPETPIACE 800.733-3829 PA P05945350001 TPP THATPETPLACE LANCASTER PA 000885 TPA*THATPETPLACE 800.733-3829 PA P05962060001 $ -87.84 -20.04 107.97 482.00 74.36 284.00 84.04 226,80 27.86 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.04655%; corresponding ANNUAL PERCENTAGE RATE: 16.99. Rate is subject to the terms of the offer including expiration. Did you know that millions of credit cards are lost or stoen every years The Reglsfer(R) con help prevent crodit card fraud) In the event your cards are lost ar stolen, we'll cancel them and have new ones roiasued to you. Plus, you'll receive a credit roport 8~ 60 day monitoring. Call 1.800.347-3395 or visit Discovercard.com to enroll. Important Information. H tlrere's more (Iran one page to gds biting stakmrem, see are back of each page for adddiortat impatam intimation. No See your Cardmember Agreement Your Cardmumber Agreement contains all the terms d your Account ~ z lost a stolen wrda. Repot invnediakly! Cali 1~0.347.26g3. oD Billing Rights Summary. W Case d Ems a Questions Abort Your Bili; Hyou gtktk you big is wrong, a Hyou need more information about a iransadiir on your Off, wrik us on a o separate street of papar at tkscover, PO Box 3042(, Sag Laker Gty, UT 84(30-0421, as soon as possitde. We must hear from you no alter than fill days aher vre sera you gte firs) bid m ~ wldch the error a protdern appeared. You can tekplane us, btR doing so wit nil preserve your rights. In your ktkr. give us the fdkvnirrg infonrtaliort: cwn • Your creme and Account number. N • The doer amowlt of gre suspected errs. • Desake gte ems and explain, it ya, can, why you beikve there is an era. If you need more irdormafan, describe the gars you ere urtstre abaA. `r You do rat have to pay any amount in question vvhie we are investlgagrg, but you era sw obigated b pay the parts of yarn bit gret are rat in question. While we investigate your questidn, we centre( report you as delinquent ilelre arty ad'an to Idled rite amount you opestbn. Special Ruk to Credit Card Purchases: it you have a problem with the gtraliy d goods or services that you ptachases with a aedi card, and you have tried in goad fait( ro correct the protdem wAh the merd-sm, you may not have to pay the remaining amount due on the good or services, You have the prdedbn Doty when the ptadtase price was more tltart 550 and the purchase was made at yaw home state or within 100 miles of your mating address. (H ws own a operate the merdtant, or if we marled you the advergserrrent to the goods or services, erg twrdtases are covered regardless d the amount or bcagit of purchase.) Payments. Send Doty your payment and the top portion d this statement in the envelope provided. Do rat send Dash. ey send'ag your dreck as described above, you authorize us to use irtfomradon on yew check b make an dedrmic fad tanskr from your accoralt ffi the finandal instilugort ktd;cated on your credt or b process the payment as a check transaction. It payment Ls processed as an electronic fund Uartskr, the Uansfer wit be ti the amoutt of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from you account as soon as the same day we receive your payment, and you will rrot receive your check back from your fnancia! instiu6on. The processing of your payment may be delayed if you send cash, correspondence or other items wih ywr payment, it you send the payment b any oltrer address i if you use an envelope other gran the one provided. Payments received'm proper form at our processing faddty try 5PM beat brae on any day wvl be credHed b yourAccounl as of that day. Payments received at ow processing fadtity alter 5PM local farre wig be aedied to yowAowud as of the next day. H you have misplaced your envelope, send your payment ro Discover. PO Box 6103, Carol Stream, IL 60197$103. Please abw 7-t0 days fa delivery, II your paynrenl is returned ttrtpaid, we reserve the right to resubmit g as an eledrotric debit. You pn pay your mirdmum paymem a a greater amount of gte tekptane, and you can setup automatic payments. Call us at t-BOO-,'i47-26g3. You wit need (Iris stateitrent and your bank account information. You must ensure that suffidenl (ands are avaifabie in your bank account, and all Uansadions must cinpfy with U.S. taw. You will be asked to provide the f rsl 5 digits o1 you account statement ZIP curie. By entering itase numbers as your eledrontic signabre, you wit be agreeing to this authorization b allow us and yew bank to deduct each payment you authorize from you bank account, ant ro inNiale dedt i credit entries to your bank amount, as applicable to cemed an error in [he processing of such payment You must lelf us the amount at each payment, or you pn select an amount such as the Mkrimum Paymed Oue or the Nety Balance on eadt statement. You can cancel a payment, however we must receive notice at least three busutess days in advance d rho scttaduled payment. You may ndify us byphone at t-8(g-347.2683 a by mat at the address Nsted k the previous paragraph. if yew payments may vary in amount, we dl leg you on each monlldy statement when ybtrr payment will be made and how much 8 will be. Your Automatic payment amour! racy be less than'xdicased on the momtdy statement based on credits or payments appied dung thelx'ttittg uyde. Credt Reporting. We may report inormaton about your account b aedn burems. Leta paymenk, missed payments, a other defaults m yew amotmt may be reflected in your aedil . report. We rrormaliy report the status and paymenthistay d yew Acwunl to credit reporting agencies eactr month. it you believe that our repel is inacaaale i incomplete, please write us at the following address: Discover, PO cox 153tfi, Wilmington, DE !9950-5346. Please indude yowname, address, home kleplane number andAcoottnt number. Periodic Finance Charges. Except as provided belor.~, we will impose Periodic Finance Charges on pwchases, cash advances, and balance transfers beginning with the date the transacticn occurs until gte dale of repayment and on Old Balances until foe dale of repayment. OEd Balances are cotttfxised of either pwchases and cash advances made on or prior to the last day of your bifng perod ending during February 1993 a Reserve Line balances Ydu can avoid paymem of Perbdic Fkrance Charges an new purchases if you pay th Nan Balance shown on the being statement on which the pwct>ase first appears by the Payment Due Date, and gte Payments and r~edis on the statement equal or exceed your Previous Balance. We call the the -grace period°. You do not have a grace parted on balance Imnsfers i cash advances. Periodic Finance Charges are imposed on new balance transfers and cast( advances Delpmng with Iha date the transaction omurs. Periadc Finance Charges are imposed on ad transactions and Old Balances umi the date of repaymem. Repaymatt means payment of your txtgre New Balance. However, if you pay the New Baance shown an Utts billing statement by the Payment Due Date, artd the PaymaHS and Credis shown on gds stakmem equal a exceed the Pravious Balance, we wit not trnpose Periodic Finance Charges m new ptartrases, (fret is, purchases Est appearing m this statsnrarlt. M yew AooouM was (dosed as d September 27,1999, you can avoid payrrrent ~ Periodic finance t~targes H you pay the Nevv Balance shown on gds Statement by gte Payntartf Due Oak and the Payments and Credls an this statement equal a exceed your Prevrous Balance. Ogterwise, you wig receive a billing smtemem next month that inductee Pentode Finance Charges imposed ratlll the date of repayment. We comprRe PeriorSc Finattre Ctterges each day fa purrdtasos, cash advances, balance transfers and Old Balances (which we refer to as transaction ceteg<tries) by ukrg the fogowirg equalbn: Average Daly Balance x numbu•r d days m the bilirg period z Daily Periodic Rato. (Refer b the finance drarge summary on the frail of your statement far base amotntts.) Then we add all the Periodk finance Charges for each transaction category to get the (dal Pedod'c Finance Charges for yin Aaimt. Tire Average Daffy Balance is drown as 0 it no Periodic Finance Charges appty b the balance let a transacflon rategay. We use the Average Daly BaEance ('mdudng crew trartsaclions) megrod of calculaUg the balerrce upon vvfdch we impose Periodic Finance Charges. YVe corrptrle Ute average daffy balance far each bartsadion plegay by addkg ~ ~ the daffy balances in a biiing period for a Iransactlit category and dividng the (dal by gte nurr~er of days in the biting cycle. We compute gre daffy balance br each transaction rabgay m each day by fast adtGrg the idhttarg b the previors day's daily Dalmtce: transactors made That day, tees charged tltat day, and Periodic Finance Charges accrttad on Ure previous day's daily balance: and by then sublracgng any aedils and paymarts that are appfied against the balance of the transaction tate~ry on that day , Oct Satarrces era exduded hen the balance of the purchase and cash advance transaction categories. Special rek balance transtera acrd Balame Transfer Transaction Fee Finance Charges are inducted in the daily balance trmskr Iransadiat calegay. Balance transfers that were stbjed b an mRal spedal rate that has been tenttirrated due b a late payment are also inciuded'm the category until the initial special rate dhervase vroukt have expired. In tabulating the daffy balance d the balance Vansfa sattsadion category on the first day d the biding period, we SiPolrad the unpaid balavrce of dose 8aknce Transfer 7ransacdorr fee Fnarroe Charges acct balance transfers Ihat beowne purchase rate balance transfers on That day and we add (fret unpaid balance b the balance d the purdtase h'aflSat110r1 category. Ad fees charged to yeurAmautt are added b the purritase trarrsacgon cetegrxy with the exception of Cash Advance Transaction Fee Rnance Charges which are added to the cash ' advance transad on category and 8alanoe Transfer Tranr;ac0at Fee Finance Charges which are added to the balar+ce transfer transaction category. If a Iransadiat made In a previous biding pttnod is itelydzed on This statement, we consider the trarisadion date to be gre first day d the aerem blling perod when we calalate yew Periodic Finance Charges. Fa 700 (I'elecornmunications Device fa the Deaf] assistance, call 100.347-7449. Discover may mender andfa record telephone calls between you and Discover represemagves for quality assurance purposes. The Dscover° card is issued by Discover Bank, Member FDIC. 03TBK061 DISCOVER trpaysto ~ KENNETH GENTRY D~~~v~~ J Account number ending in 9139 Announcing Pending Transactions! You asked, we listened. Cordmembers can now view pending transactions online! Check your purchases in rnaltime to slay connected to your account like Haver before either online or using your mobile device. EOg in t0 yOUr account nt Oixover.corn from your laptop or your mobile device and see For yourself! '~ ;r~ 6)20t 2 a.~°~r amdc ~nomber wtc Closing Dote: March 11, 2005 page 2 of 3 Call 1-800.767-7315 today or visit Dixovercard.eom to Find out if you qualify for a voluabla Balance Transfer offer. It's a fast and easy woy to save money) Paperless statements can jumpstart your spring cleaning) Get rid of the excess paper in your life by receiving your Discover{R) Card statements online instead of by mail. You'll get an e-mail felting you know when your statement is ready to view online. You can even pay your bill online while you're there. Go ro Discovercard.com to sign up. Thinking of moving? The Register{R) will notify all your creditors and let them know of your new address. With our Property and Document regisMation service, we also make it easier far you to Filer a claim if important possessions are lost to fire, theft or natural disaster. Coll 1.804347-3395 or visit us at Discovercard.com for details. __ Build your Cashback Bonus(R) award with every bill you pay automatically with your Discover(Rj Card. Cell phone, cable and Internet service and healtfi clubs: you can pay sa many recurring hills with your Discover Card. What a small, easy way to save time and money -and earn a bigger award) Visit Oiscovercard.com/autobitlpay to learn more. Redecorate. Remodel. Get Mora. Sign up today and get 5% Cashback Bonus(R) at Ace Hardware, Bed Bath & Beyond{Rt, Lowe's(Rl, Menards{Ri, f ier ]Imports, Restoration Hardware, SHERWIN-WILLIAMS(R), Smitfr & Hawken(Rj, The Container Store(Rl, The Home Depot{Rl. Call i-800.DISCOVER or visit Discovercard.cam and reward yourself March through May. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FlNANCE FINANCE Balances Raters RATES RATES CHARGES GES current billing period: 28 days Purchases $0 0.071214° 25.99% V 25.99% $0 $0 Cash Advances $0 0.07121% 25.99% V 25.99% $0 $0 previous billing period: 31 days Purchases $0 0.07121% 25.99% V 25.99% $0 none The tales that apply to your Account ore either Fixed {f) or they may vary M as noted above. Questions? Manage your account at Discover.com or call 1-800-DISCOVER (1-500-347-2b83). ,~~- - --~~ -. __ ~ rr._ -. DISCOVER' Closang Date• KENNETH GENTRY M_ arch t 1 2005 Account number ending in 9139 page 3 of 3 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: October 11 Balance _ Previous Cashback Bonus Award Balance $ 27.37 Purchase Award This Period + 0.00 4.11 Cas ack Bonus Awar Totai 31.48 -- ~ 3/08 Account Credit - 20.00 Cashback Bonus Award Balance ~ y,48 Award Available to Redeem $ 0.00 estrictions apply to y~ Cashback Bonus Paler oRers visit Discover.eom or ea~l 1-890-DISCOVB! (1.80Q347-2683) For etails. For pro®ram details, see the Cashback Bonus ('rogram Tarms and Con itians. - _ ~ ~-- - - -- - 7 r - DISCC3VER $3,123It1Ge 11 SDSN8A01 0013593 KENNETH GENTRY 22 ASHBURG DR MECHANICSBURG PA 17050-8203 Minimum Payment Due Account Number ending in 9139 $97.00 Enter Amount Enclosed Below Payment Due Date $ May 10, 2005 Please make check payable to Discover Platinurp Card. Minimum payment due includes a past due amount of $27.00. Text APP to DISCOV" to receive a link to our free mottle app and pay your bill in seconds from anywhere) PO BOX 71084 111ur~1""rillrrrlllr,~rl CHARLOTTE NC 28272-1084 Address,a-mail or telephonechange~Printchangeinspoce ~i~~r~~ir~~rilijlirr~ri~r~rrrl~~lrrr~rr~rrlrrllrr~rrlrrli)rr~~ above, or go to Discover.com. Print your email address to receive important Aeeount information and special offers. 000001986458932953553031231100000000009700 ~... Discover Plotinum Card Account Summary Closing Date: April 11, 2005 page 1 of 2 Account number ending in 9139 Previous Balance $1,178.6.4 Payment Due Date May 10, 2005 Payments And Credits - 0.00 Minimum Payment Due $97.00 Purchases t 1,879.26 Credit Limit $6,100.00 Cash Advances + 0.00 Credit Availoble $2,976.00 Balance Transfers + 0.00 Cash Credit Umit $3,100.00 Finance Ch es t 65.21 Cash Crodit Available $2,976.00 New Balance = 3,123.11 You may ba able to avoid Periodic Finance Charges, see the reverse side For details. Cashback Bonus° Opening Cashback Bonus Balance $ 1 1.4B New Cashback Bonus This Period + 13.12 Everyvrhere Else + 0•~O Cashback Bonus® Since Anniversary Month October: $19.10 Cashbaclc Bonus Balance $ 24.60 ~~~~ ~~~~ - How Can We Help You? l . Visit Discovercom to pay your bill for no cost, view our latest Account information, earn and redeem rewards and more ~trs your choice - 3 ways to help Pkiase have your Discover Card available. for TDD (assistonce For hearing impaired) see reverse side 2. Call 1-800-DISCOVER 1347-2683` for least, easy self-service options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, Sait Lake City, U7 843 30 Transactions $0 Fraud Eiabilif)r Guarantee Use your Discover Card wffh confidence. Trans. Post Date Dale Merchandise/Rstar~ Mar 14 Mar 14 TOO, INC HARRISBURG PA $ 63.36 Mar 16 Mar 16 GE APPLIANCE REPAIR 866-839-4479 KY 79.50 Mar 18 Mar 18 S AND S HANDBAGS B MCLEAN VA 16.79 Mar 18 Mar 18 BUILD•A-BEAR WORKSHOP/ MCLEAN VA 34.13 Mar 18 Mar 18 AEROi'OSTALE #258 MCLEAN VA 21.00 Mar 18 Mar 18 HB~M #58 MCLEAN VA 52.20 Mar 19 Mar 19 NEW YORK & COMPANY MCLEAN VA 152.25 Mar 26 Mar 26 BARBARA MOSS 63 ROCHESTER NY 122.39 Mar 26 Mar 26 PIERCING PAGODA C H PA 3 i .78 Mar 2b Mar 26 GADZOOKS $385 CAMP HIt1 PA 56.28 Mar 28 Mar 28 TARGET T-1254 HARRISBURG PA 33.90 Mar 28 Mar 28 NEW YORK & COMPANY HARRISBURG PA 211.34 Mar 28 Mar 28 01D NAVY #6550 HARRISBURG PA 116.49 Mar 28 Mar 28 TOO, INC HARRISBURG PA 33.80 Mar 30 Mar 30 BEST BUY #547 HARRISBURG PA 116.58 Mar 30 Mar 30 EXPRESS HARRISBURG PA 89.93 Other/Miscellaneous Apr 10 Apr 10 LATE FEE 39.00 Travel/En[erfainmsnt Mar 28 Mar 28 HOTEL HERSHEY RESTAURA HERSHEY PA 27.00 Apr b Apr b LFR"LOWESTFARE AIR TKF 800478-0998 CT 20.85 22301857112 Apr b Apr b USAIR 037] 2005884834 WASHINGTON DC 141.90 AUTOMATIC FLIGHT INSURANCE NO COST LOWESTFARE COM NORWALK CT _~_ ~ _ ~~~- -- -r --- Important Uttormation. If (here is mae than orfe page b tlrs bWig statement,see Me back d each page for ad3Nonal important information. ce See your CardmemberAgreernent. Your CatdmembaAgreemenl carrains all the farms of ytxxAccount. a z Loel a stoke cards. Report immediately! Cal[ 1.804347-8689, rn y SilBrtgRightsSumrnary.InCaseofEmorsaQuestbnsAboutYOUrBi:N Drink rbNlis you you vrrang, or d you need more information abort a transaction On your ti8, wdte trs on a ~ o separate sheet d paper at Dlscova, PO Box 30421, Strit Lake City, UT 84130.0421, as soon as possible. We rrxtst hear tom you ra later Man 80 days a8er we sent you the first bit on ~ wtridf the error a problem appeared. You can telephone us, but doing so vriN not preserve your rights. In your letter, give us the fo8owttg inknnation: N • Your r end Account rwmber. • The dollar amount athe strspeded errs. ~ • Descnbe the era and explain, 8 you rte, why you believe tltere is an stmt. 8 you need mae tfbmfation, desabe fire item you are urfsure about. ° You do not have to pay arty amount in questicn wh8e we are imestigatirg, but ere still you obNgakd b pay the partr of your 681 that are not in question. WhBa we investigate your grteslion, we wood report you as de8riquent a take any action b milect the amatnt you question. Special Rule for CrerGt Card Purchases: Kyou have a problem w9fh the qualty d goods a services that you purdtases with a aed'd card, and you have tried h good fa8h ro correct the problem w8h the merchant, you may not have b pay the remaining amount due on the geod a services. You have Me protecdon only vAfett the pttrdtase price eras mom than S50 orb the puretryse was made in you trome state a wk#rin 100 miles d your ma8ing address. (tt we own or operate the mactrad, ar if wg mated you the advattisement for the goods or services, all purdtases are covered regardless of the amoud a tocafbn of purchase.) Payments. Send only your paymerd and the lop portion of thle stalemenl in the enveope provided. Do not sent cash. 8y seeding your dleck as desaibed above, you authorize us to use reformation ort you dfedc b make an electratc Lund transfer fmm yax accoum at the frearrd~ ins9tufion itbicated on yore dteck a ro process Me payment as a dteck frartsadion. If payment is processed as an eectonic fuml transfer, Me transfer wtll be to the amotmt d the check. When we use kffomtaGon tram year check to make an electronic fund transfer, funds may be withttawn from you account as soon as the same daywe receive your payment, and you wih not restive yaa check badt from your financial insGluOon. Tfre processing of you payment may be delayed if you send cash, correspondence a other items vnlh year payment, if you send the payment fo any other addressor 8 you use an envelope other than the one provided. Payments receivedn proper ions of our processing faclGty by 5PM local dme on any day wdl be defined b yowAccaunt as of that day. Payments received al ou processing fac~8y after 5PM bcal time rill be aediled ro your Account as d the next day N you have misplaced your envelope, Bond your payment to Discover. PO Box 6103, Carol SUeam, IL 60197.6103. Please aNow 7-10 days br delivery. d your payment is returned unpaid, we reserve the right b restthmt tt as an electronic debit You can pay your mtftnum payment or a greater amamt of the telephone, orb You can set up automatic payments. Cal us at 9.8011,347.2683. You w4N need firs statement and you bank account kramatan. You must ensure Mat sufficient funds are avaiabfe in you bank account, and alt transactions must oomph/ with U.S. law You well be asked to provide the fast 5 digits of your account statement ZIP code. BY entering tffose numbers as your etectarc signature, you wit! be agreeing to this atnhorization to al6ow us and your bank fo deduct eadf payment you aumodze from you bank account, and to inNiate debit or credit entries to your bank acount, as appliceble to correct an error in the processing of such payment You rrxrsl tell us ate amount o(eadt payment, or you pre sded an amount such as the Mkimum Payment Due or 9a New Balarrce on each statement You can cancel a payment, txwrever we must receive notice ai least three business days h advance of the scheduled payment. You may ratify us by phone at 1.800-347-2683 a by mail at the address listed in the previotrs paragraph. !f your payments may vary in amount, vre NI k8 you on each rtanMty statement when your payment wNt ce made and taw much it vrill be. Your Automatic payment amoudt may be less than indicakd on the monUry statement based W aedits a payments applied during the b81eg cyde. Credit ReAordng. We may report infarrnatiorr about youreccamt b aedk bueaus. Late paymarts, mLssed payrrenls, ao8rerdttard75 on you accoutt may be 211ected in ypurcredit repot. Uve narmaay report the status and payment history d youAaant to crerst reporting agendas each momh. I! you beleve Mat ou report le inacdaale a irfcanplete, please write us at the following address; Discover, PD Box 15316, Wihninglon, DE 19850.5316. Please indude your rtama, address, bane telephone number and Account number. Periodic Finance Charges. Except as provided below, we will impose Periodic F'mance Charges on puchases, cash advances, and balance transfers beginning with the dale w:e Uansaclron occurs unt8 Ute date d repayment and on Ole! Balances unid Me date of repayment. ~d Balances are comprised of either purchases and rash advances made on or prior to the last day of your trkng pertod ending during February 1993 ar Reserve Lirle balames. You can avoid paymed of Pedodk Finaroe Charges on new purchases 8 you pay the New Balance shown on the t~Nng statement on wftich fhe purchase first appears by Me Payment Due Dale, and the Payments and CredBs an Ste 5latemed equal or exceed you Previous B~arfce. We cell tlrs dfe'grece perioB'. You do red have a grace pedod on baiartce Uansfers a rash advarkes. Periodic Frearae Charges are imposed on now balance transfers and cash advances beginning with Me dale the transactiorf carats. Periodk Finance Charges are imposed on e8 trensactiorfs and pfd BaWnces until the date of repayment. Repayment meant payment of your attire New Balance. however, d you PaY fire New t3darfoe clown an this biNkg statement by the Payment Due Date, and fife Payments and Credits stfown on this steterrrertt equal a exceed the Previous Balance, we vriN not impose Petiorxc Finarlce Charges on new padtases, Mat is. purchases Nrsl appearing m 8ds statement. K yeurAoarunt vrat dosed as of September 27,1999, you can avoid payment d Perwric France Charges 8 you pay Me New Balance shown on firs Staterrfenl by the Payment Due Date and the Payments arW Cred6 on tlrie statement equal a exceed your Previous Baknce. l?Memise, you wiN receNe a biNing statement next rrxmth That Fdudes Pedorkc Flrtance Charges imposed urtlN Me date d repayment We compute Periodk Finance Chazges eadt day ter purchases, rash advarrcea, balance transfers end Old Balances (which car: refer to es tensar:tion categories) by using the fa8owing ' equation: Average Da, ry Balance x number of days h the biNing period x Daily Pedodic Rork. (Refer to the finance charge summary on the font of your staNmenl for theca anaunts ) Then we add alt the Periodic Finance Charges fa oath uansadion category ro gel the total Periodic Finance Charges fa you Account. The Average Daily Balance is stfown as U d no Periodic Finance Charges apply b the balance in a transaction category. We use the Average Daily Balance (irrckrd"mg derv trerfsac6ons) me8ad d calculating Me balance upon which we impose Perior8c Fkrance Charges, we oompuk the average daily balance br each Iransaclim cetegay try addVlg up a0 Me daly balances kr a b8ifg period fa a trensacticn category and divid'ng the total a/ Ste number of days n Ste b811ng cyder We compute fire daNy italarrce for eadt transatriiar category on eadt day by first adding fife blowing to the previous da}/s dally balance: hansactiorts made that day, fees charyed that day, and Periodic France Charges acrnted an the previous day's daily balance; and by then suirractng any aedits ant payments Mat are applied against the balance of the Uansaction category on that day. Old Balaroes are exdaded tart the balance of the purchase and cash advance iransariiorf categories. Special rate balance transfers and t3dance Transfer Tratisedion Fee Finance Charges are klduded ro the daNy balance transfer transaction category. Balance trarlders Mat were subject W an kti8al special rate Mat has been terrdnated due to a late payment are also koktded in Me category un8lhe i~ specal rate niharwise would have expired. In raktdatug the da8y balance of fire balance trerrsNer hansedion C"dtegay an the fast day d the tirWng pedotl, we subtract the unpaid balance of Base Balance Transfer Transaction Fee France Charges and balatlce transfers That become purchase rate balance transfers on that day and +ve adtl 0tat tmpaid balance b the balarxa of the purchase trarrsaction category. All fees dfarged b yourACOOUnt era added o the purdrase transaction category w8h the excaptbn d Cash Advaroe Trsnsaction Fee France Charges which are added o the cash adrance Uarrsadiorf Category and Balance Transfer Trarlsac8orf Fee Finance Charges which are added to the balance Uartster transacuaf category. H a transaction made in a previous b8ling periotl Lt itemized an firs stalernent, we consider the hansaulion date to be the first day d the current trmrg parted what we calculate your pedodic France Charges. ForTDD (Teieeommlaricadons Device forthe Deaf) assistance, coat 1$00.347.7449. Discover may monitor andla reoad telepltate cads behreen you and Discover representativesfor quality assurance purposes. The DiscoveP card is Issued by Discover Bank, hleml>er FDIC. 01781(064 DI~`r~~ /~D tr pays h Accounk mrmbEeNr ending in 9139 1~7~.r ~/ I~ ~DlS~~1LE~ Announcing Pending Transactions! You asked, we listened. Cordmembers can now View pending trcnsact'ions onlinei ~ ~.... Check your purchoses in reoltime ro stay connected to your account (~ =' : " ~ :n like never before either online or using your mobile device. - ~ I ~" In 10 your CCCOUnt at Discoveccrom from your loptop or your mofiile device and sea for yourself! A201 z Dismve. sank, Mamba vac Cbsing Date: April 11, 2005 page 2 of 2 Travel/EtrprWinmerrt Apr b Apr 6 USAIR 037] 2005884845 WASHINGTON DC 141.90 AUTOMATIC FLIGHT INSURANCE NO COST LOWESTFARE COM NCNtWALK CT Apr 6 Apr 6 USAIR 03712005884856 WASHINGTON DC 141.90 AUTOMATIC FLIGHT INSURANCE NO COST LOWESTFARE COM NORWAIK CT Supsm~arkets Mar 13 Mar 13 GIANT FOOD STORES #005 MECHANICSBURGPA 103.59 Department Sion Mar 19 Mar 19 HECHT'S #9 MCLEAN VA 29.40 Information For You Your accounF is past due. Pleose pay your minimum monthly paymerA plus the past due amount FREE Additional Cards for your Account allow you ro share your credit line without sharing your Card. Request FREE Additional Cards For those close to you ro help with daily shopping and errands and to use as credit resource incase of emergency. Call 1-80QDISCOVER or visit Discovercard.com/AdditionolCards today. Paperless statements can jumpstort your spring cleaning) Get rid of the excess paper in your life by receiving your Discover(R} Card statements online instead of by mail. You'11 get on small letting you know when your statement is ready to view online. You can even pay your bill online while you're there. Go to Discovercard.com to sign up. Use your Discover(R) Card to make a $100 donation to The Statue of Liberty-Ellis Island Foundation, Inc. and you can have the name of someone you care about engraved on The American Immigrant Wall of Honor(R}, built to celebrate freedom and commemorate American Dreams. For more information log on to Discovercard.com. Finance Charge Summary Nominal Transaction Average Daily ANNUM. ANNUAL Periodic Fee Doily Periodic PERCENTAGE PERCENTAGE FNANCF FRJANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $2178.48 0.07121 % 25.995a V 25.99% $48.09 $0 Cash Advances $0 0.07121 % 25.99% V 25.99% $0 $0 previous billing period: 28 days Purchases $858.80 0.07121% 25.99% V 25.999a $17.12 none The rotes that apply to your Account are either fixed (FJ or they moy vary (V) as noted above. QtleStlOnS~ Manage your account at Discover.com or cal{ 1-S00-DISCOVER (1-800-347-2683. -~-~ -- ---mot- - DISCOVER New Balance 53,581.38 11 SDSN8A010013594 KENNETH GENTRY 22 ASHBURG DR MECHANICSBURG PA 17050-8203 Minimum Payment Due Account Number ending in 9139 $80.00 Enter AmounF Enclosed Below Payment Due Date $ ~~~~ June 10, 2005 please make check payYable to Discover Pkrtinum Card or pay online ~ Discovercard.com. TextAPP to DISCOV` to receve a Gnk to our free mobile app and pay your bill in seconds from anywhere) PO BOX 71084 ~~~rer~~unu~~ns~E~u~r~ CHARLOTTE NC 28272-1084 Address, e-mail or telephone change$ Print change in space ~rr~r~~rrlr~~lr~~rrrf~rlilrrrllllru~rr~rr~u~~rr~ir~rr~r~rr~~ above, or go io Diseover.com. Print your eanail address to receive important Account information and special offers. DD0001986458932953553D3581380010000000800D Discover Platinum Card Account Summary Closing Date: May 11, 2005 page 1 of 2 Account number ending in 9139 Previous Balance $3,123.11 Payment Due Date June 10, 2005 Payments And Credits - 347.78 Minimum Payment Due $80.00 Purchases + 730,91 Credit Limit $6,100.00 Cash Advances + 0.00 Credit Available $2,518.00 Balance Transfers + 0.00 Cash Credit Limit $3,100.00 Financs Charges + 75.14 Cash Credit Available $2,518.00 New Balance = $3,581.38 You may be ebb to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 2.4,60 New Cashback Bonus This Period + 5.22 Everywhere Else + 0.00 Cashback' Bonus® Since Anniversary Month October: $24.32 Cashbadc Bonus Balance $ 29.82 CONGRATULATIONSI Now that your award is $20 or more, you can redeem it in $20 increments by logging into the Account Confer at Discovercard.com or by calling 1-877-YOUR-AWARD (1-877-968-7292. How Can We Hel YOU? 1 • Visit Discover.com to pay your bRl for rto cost, view your P latest Account information, earn and redeem rewards and more It'S your choice - 3 ways to help 2. Call 1.800-DISCOVER {347.26831 for fast, easy self-service Please have your Discover Card available. options or fo speak with a Customer Service Aecount Manager For TDD {assistance For hearing 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. Pod Date Dale Paymenh and Crod'as Apr 1 1 Apr 11 PAYMENT -THANK YOU $ -30.00 Apr 12 Apr 11 REFUND CAF LATE CHARGE _39,00 Apr 12 Apr 1 1 ADJUSTMENT • FINANCE CHARGE -0,04 Apr 15 Apr 17 HILTON HARRISBURG HARRISBURG PA _178.76 May 10 May 10 PAYMENT • THANK YOU ,100.00 Merchandise/Retail Apr 12 Apr 12 TARGET T-1254 HARRISBURG PA 8.1 i Apr 13 Apr 13 WAtMRT SUPERCNT 001886 MECHANICSBURGPA 12.86 Apr 14 Apr 14 CVS 1624 HARRISBURG PA 1 1.29 Apr 14 Apr 14 RADIO SHACK Ot-2050 HARRISBURG PA 11,02 Apr 15 Apr 15 WALMRT SUPERCNT 002574 CARLISLE PA 13,18 Apr 16 Apr 16 WALMRT SUPERCNT 001886 MECHANICSBURGPA 14.24 May 4 May 4 NEW YORK & COMPANY HARRISBURG PA 124.75 May b May b NEW YORK & COMPANY HARRISBURG PA 34.50 Travel/ErNertainment Apr 1 1 Apr T2 HILTON HARRISBURG HARRISBURG PA 178,76 Services Apr 26 Apr 26 SELLSTUFFLOCAL.COM, IN HARRISBURG PA 8.00 Supermarkeh Apr 14 Apr 14 GIANT FOOD STORES #005 MECHANICSBURGPA 41,14 Apr 15 Apr 15 GIAM FOOD STORES #035 HARRISBURG PA 15.43 Build Yovr Savings on YOUR Schedule! Open a Discover Bank Money Market Account and sign up for AuloSavers today) Save money for whatever you wish by scheduling weekly, biweekly or monthly deposits into your Account) Visit Diseoverbank.com. Member FDIC. ImpoRant frRwmation. II tlrere is mac than are page to ihs biding statement see Ire bade of each page for addGonat important infomtatiat. o Sea your Cardmember Agreement. Your CardmemberAgreement calahs all Ne tams o(yourAuvwnL Z Lost a stolen carids. Repoli immediately! Cell 1.800.34T•Z683, o 8illirtg Rights Summery. In Case of Errors a OrrestronsAbcut Your Bill: K lrou 1liMr your hr~ h wratg, w n you need more information abotA a transaction on you bill, vmte us on a $ separate street of paper a<Discover, PO Box 30421, San Lake Gty, UT &4130.0421, as soon as possbte. N/e must hear frorrr you ra later Than 60 days alter we sent you the first btlt on which the error w problem appeared. You ran tebptana us, but doUrg so will not preserve yes righN. h your , give us the following in~rmation: • Yow name acrd Account nrsnber. ~ • The delta amount M the susperAed error. • Describe the error and expla(n, if you can, why you f>eneva there is an error It you need more inbnnadws, descrhe Ne nem yea are tstwre abeul. You do not have t0 pay arty amount h question eAsik we are hvestigadrg, but ytlu are SUII obligated W pay fEre pans of your Dfil That are not h quesllon. Yvhtle we irwesngate your question, we cannot repoR you as ddhquent ar lake any action b celled me amount you question. Speelal Rule fw Credit Card Purchases: If you have a problem vri8t the quakty of goods a services that you purchases with a aedil cad, and you have tiled in good faith b correct the problem witlr the madrant ya may not have to pay 9se remaining amount rAre on dra good a services. You have the protection asiy when the purchase price was more than $50 and the purchase was made h your bane stale awihh tOD mtes o1 yarn maUitg address. (move own a operate the merdrant a n we mailed you the advertisement fa the goods a services, atl purchases are covered regardless d the amount a krcation of purchase.) Payments. Send oily your payment and the mP potion of Ibis statement h the enveope prouided. Do nil send cash. 8y serrdirg your dseck as desaised shove, you atRlsaize us to use infommatioon on your dredc to make an efedron~ fund Uarsfet from your accaxR at the financial irslihAion kdrated on your check a m process the payment as a check Uansaction. If payment is processed as an eledrordc fund transfer, the transfer witl Da for the amount of the check. When we use Uslamation Unm you check to melee an eiectraric fund transfer, funds may be withrkawn from yeu account as soon as the same day we receive your payment, and you wiN rat receive your clseck back fram yow financial institution. The processing of your payment maybe delayed if you send cash, wuespondence a other items with yow payment Uyou send the payment b any other address a if you use an envelope aher than Use are provided. PaYmenis received in proper form at our praxr~hg fectlky by SPM 3ocal time an arty day vM be aedied to yourAccount as of that day. Payments received at our processing Fad'ity amen 5PM IocM 8me watt he credited to your AcearM as of the next day. If you have misplaced yea envelope, seat your payment to Discover, PO Box ti103, Carol SUeam, ILti0197~it03. Please albw 7-10 days for dcfivery. ti your payment is reWmed unpaid, ova reserve the rlgitl to resubnal ii as an electronic (IeIriC You can pay Yoa min"rrtum payment a a greater amount of the telephone, aril you can set tp automatic payments. Call us at 1-800-347-2683. You wNl need ttus statement and your bank acceunt information You must erraere that sut4dent fords are avacaWe in your bank aaouni, and all Uansadirxss must comply vnlh U.S. law. You wig be asked fo provi~ the first S dgits of your aaamt statemem ZIP code. By entering dose numbers as your electrartk signature, you wit be a~oeing to tfus authorization to atlow us and your bank to deduct each payment you authorize from you bank ammunt,and to initiate debit a credit entries to your bank account, as appkceb~ to correct an erca in the processing of such payment. You must tell us the amount of each payment, a you can select an amount such as the Nnniman Payment Due or the New Balance on each statement. You can conceal a payment. however we must receive notice at least 1Mee business days in advance of the scheduled payment You may notify us by phone at 1-BOl}347-2683 or by mail at the address listed in the previous paragraph. If your payments may vary in amount, we iU tell you on each monthly statement when you payment wfi be made and taw muds it vtill be. YocuAutomafic payment amount maybe Eels tfsan indicated on the monWy statement based on aedits a payments appked dudng the bitlhg cycle. Credit Reporting. 4Ye may epoR infamadon atxnx yeuraocount to aedA twreaus. Late payments, mssed payments, w other defaults on your amount may he reflected in your aedi report We nomt~y report the status and iaymeM history of your Aaount to aedA reporting agendas each month. If you befieve that our report is irramurale a incomplete, please wdte us ai the foltovring address: Discover, PO Box 15316. Wilmington, DE 19850-53f6. Please hctude your name, address, home telephone number and Aaounl number. Periodic Fnance Charges. Except as provided below, we witl impose Periodic Finance Charges on purchases, cash advances, and balance transfas begiming with the date the Uansaction occurs until Use date of repayment and on Ofd Balances unt8 8se date of repayment. Old Balances are comprised of either purrhasas and cash advances made on or prior to the last day of your bJlkg perod enring during February 1993 a Reserve line balances. You can avoid payment of Parodic Finance Charges on new purchases if you pay the New Balance shown on the biling statement on which the purchase first appears by the Payment Dve Date, and the PeNrrents and Cretkis on the statement equal a exceed your Previous Balance. Vye call Utis dre'grace pared". You do rat have a grace perod on balance transfers or cash advances. Pedodro Finance Charges are arrposed on new balance transfers and cash advances hegimhg wih the date the transaction Drees. Pedodc Frcance Charges are imposed on all Irarrsacgons and Okl Balances tads tlIe date of repayment. Repayment means payment of your entire New Balance. However, if you pay Use New Baance shown on dds bltlirrg statement by the Payment Due Date, and Use PaymerRs and Cred'ds shovm on this statement equal a exceed tlse Previous Balance, we w~ not impose Periodic Finance Charges m new purdrases. that is, pwchases fret Rn9 on this statement, If YaM' AmOrrM was dosed as of September 27, 1999, you pn avoid payment of Periodic Fhance Chazges nyar pay the New Belartce shovm on Ibis Statement by the Payment Due Date and the Payments and Credits on Iha statement equal w exceed your Previous Balance. Othervnsa, you wit receive a biting statement nezl mgnnr Utat irrdudes Periodic Fharxe Charges imposed unti 111e date of repaymera. We canptxe Pedorfic Fnance Charges each day fa purchases, cash advances, balance transfers and Od Balances (w4pch we refer to as transaction categories) by using the folkrxing equation: Average Dafrj Balance x numbw of days in the biting period x Daly Periodic Rale. (Refer to the finance ctrarge summary on the Uont of you statement to Urese amartts.) Then vre add ar the Periodic Fhance Chagas to each Uansaclion category to gel the tiler Periodic Fcrance Charges fa your Account The Average Deity Balance is shown as 0 if no PedodC Fksance t'gfarges apply to the balance in a transaclion caffi9ory. We use meAverage Daly Balance {including new trassactbns) maned of calcJatirg the balance upon which we Urrpose Periodic Finance Charges. We compute the average daffy Ualarae fa each Uansadion category by addbg up an the daffy bahnces in a biting period for a transadbn category and dividing the total by the number of days in tfte dTirg cycle. We compute the dairy balance 6a each transerdion category on cads day by first addrg the bllandng to the previou day's dally balance: trarisactiorxa made 8tM day, lees dtarged drat day. and Pedodic Finance Charcles ammed on the prevbtas day's daffy balance; and by then subtracting any credits end paymens that are appied against the balance of the transaction category on that day. Ob Baianoes are excluded from Ure balance of the purchase and cash advance transaction categories. Special 21e balance transfers and Balance Transfer Transaction Fee Finance Cr~arges are included h Ne dopy balance Uarrsfer iralrsadien p6egory.Balance transfers thatwere su}>jecl to an irrGaf spedal rate That has been krrninaled due to a late payment are also inchrded in the ategay unnil Use inkier specal rate otherwise would have expired. in calcrAating the daffy balance of the balerxe transfer transaction adegory on Use first day of the bifasg period, we sulRract the unpaid balance d dose Balance Transfer Transaction Fee E'narrce Charges and balance Uansfers that become purcfase rate balance Uansfers on that day acrd we add that tmpeid belarsoe to the balance of dte purchase transaction category. AN fees dsarged td yotu Aaamt tie added to the purdsase transaction Cafegaywih the axccgtion ~ CashAdvance Transaction Fee Finance Chagas which are added to the cash advance transaction category and Balance Transfer Transaction Fee Finance Charges which era added ro Itre balance transfer Irarrsadiar category. n a tmnsadian made in a previous bilfng gerbil b kemized on this statement, we consider the transaction date to be Ufa first day of the current biting period when we cekxrlate yar Periodic Finance Ctrarges. For TDD (Celeeommunkalbns Device fw the Deal) assistance, call 1A00.347.7449 Disoover may motile ands record telephone cats belweat you and Discover repre~ntatives for quality assurance pugases. The Discover' card Is Issued by Discover Bank, k7ember FDIC. OlTBK064 DISCOVER N peys to KENNETH GENTRY !~ Account number ending in 9139 Announcing Pending Transactions! You asked, we listened. Cardmembers can now View pgrtt~lrlg tmnsnctions on4ine! Check your purchases in realtime ro stay connected to your account like never before either online ar using your mobile device. `~ IR t0 ~rOUr dCCOUnt at Discover.com from your laprop or your mobile device and see For yuurselF! gY2012 IAnnb°r FDIC 3-.- _ dosing Date: May 11, 2005 page 2 of 2 Supermarkets Apr 17 Apr 17 GIANT FOOD STORES #005 MECHANICSBURGPA 8.19 Medical Services Apr 12 Apr ] 2 LENSCRAFTERS 10005072 HARRISBURG PA 170.00 Govarnmettt Ssrvites Apr 13 Apr l3 WINE & SPIRITS 2210 HARRISBURG PA 8.A7 Deportment Srore Apr 12 Apr 12 BOSCOV'S 1 Q HARRISBURG PA 52.98 May 6 May 6 BCtSCOV'S DEPT STR 78 HARRISBURG PA 17,99 Information For You Balance Transfer offer For current billing period: Daily Periodic Rate: 0.013A2%; corresponding ANNUAL PERCENTAGE RATE: d,90%. Rate is subject to the terms of the offer including expiration. Call i •877-353.0986 today or visit Discovercard.com to Find out if you qualify For a valuable Balance Transfer offer. It's a fast and easy way to save money) The Discover(R) Gift Card is a Festive, prepaid card that works just Pike a credit card - at malls, online and most everywhere the Discover Card is welcomed. The Discover Gilt Card is the perfect gift for everyone and every occasion, so your gik-giving possibilities are endless. And think of the time you'll save shopping and gift-wrapping. Increase Your Cashback Bonus(R) By Paying Yaur Bills. Getting rewarded For paying your bills has never been easier. Just contact the companies Fhat you pay on a regular basis to have your bills automatically charged ro your Discover Card. Build your Cashback BorwsjR) with each payment --unlimited earnings without hidden fees. FREE Additional Cards For your Account allow you to share your credit line without sharing your Card. Request FREE Additional Cards for those close ro you to help with daily shopping and ~rarrds and to use as credit resource in case of emergency. Call 1-800-DISCOVER or visit Discovercard.cam/AdditionalCards today. Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Periodic PERCENTAGE PERCENTAGE flNANCE flNANCE Balances Rates RATES RATES Es C~ARG current billing period: 30 days Purchases $3517.13 0.07121°~ 25.99% V 25.99% $75.14 $0 Cash Advances $0 0.07121 % 25.99% V 25.99% $0 $0 The rates that apply ro your Account are either faced (FJ or they may vary N) as Hated above. ,QUeStIOnS? Manage your account at Discover.com or call 1-80Q-DISCOVER {1-800-347-2683). -r -- t.. _ ~VER New Balance Minimum Payment Due D~ Account Number ending in 9139 J\.r 53,995.64 5169.00 Enter Amount Encbsad Below Payment Due Date July 10, 2405 please make check payable to Discover Pkytinum Card. Minimum payment due includes a past due amount of $80.00. 11 SDSN6A01 0013595 KENNETH GENTRY 22 ASHBURG DR MECHANICSBURG PA 17050-8203 Address, e-mail or telephone change;! Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Text APP to DISCOV• to receive a link to our free mobile app and pay your bill In seconds from anywhere) PO BOX 71084. Illnrllurnrllrulllultl CHARLOTTE NC 28272-1084 Irrlrllrrl~rrl~llrrrlrrlrlrrrllllr~rlrrlrrlrrllrrlrrlrrlrlrrll OODOOZ98645893295355303995640000D000016900 Discover Platinum Card Account Summary Closing Date: June 11, 2005 page 1 of 2 Account number ending in 9139 Previous Balance $3,581.38 Payment Due Date July 10, 2005 Payments And Credits - 0.00 Minimum Payment Due $169.00 Purchases + 331.07 Credit Limit $6,600.00 Cash Advances + 0.00 Credit Available $2,404.00 Balance Transfers + 0.00 Cash Credit Limit $3,400.00 Finance (2rarges + 83.19 Cash Credit Available $2,404.00 New Balance = $3,995.44 You may be able to avoid Periodic Finance Charges, see the reverse side for details. CasEtbeck Bonus® Opening Cashback Bonus Balance $ 29.82 Naw Cashback Bonus This Period + 2.92 Everywhere Else + 0.00 Cashback Bonus® Since Anniversary Month Cashback Bonus Ba(ante $ 32.74 October: $27.24 How Can We Hel YOU? 1 • Visit Discover.cem so pay your bill for no cost, view ur P latest Account information, earn and redeem reward and more It'S your choice - 3 ways to help 2 Call 1-800-DISCOVER (347.26831 far fast, easyself-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dale Dale Merchandise/Reta1 May 14 May 14 PETSMART 00005835 MECHANICSBURGPA $ 45.57 May 25 May 25 NEW YORK & COMPANY HARRISBURG PA 57.55 Jun 4 Jun 4 AEROPOSTALE #337 CAMP HILL PA 29.99 Restauwnts Jun 2 tun 2 OUVE GARDEN 1471 HARRISBURG PA 24.00 Ollrar/Mixellaneous Jun 10 Jun 10 LATE FEE 39.00 Svpermarkots Jun 1 Jun 1 GLANT FOOD STORES #005 MECHANICSBURGPA 69.55 Department Store May 28 May 28 HECHT'S #29 CAMP HILL PA 65.41 Information for You Your account is past due. Please pay your minimum monthly payment plus the past due amount. Balance Transfer offer for current biliing period: Doily Periodic Rate: 0.07121 %; corresponding ANNUAL PERCENTAGE RATE: 25.99%. Rate is subject to the terms of the offer including expiration. Now you can save up to 50% on health care by becoming a PlanfNus(SM) member. PbnPlus is not insurance and provides discounts on hearth care products and services. PIanF'lus can be used with your insurance plan for even greater savings. For information on this valuable membership program, visit Discovercard.com/PbnPlus or call 1.800,527-7783. ~- -- --T=ac- : ~ - Important Information. O there is more than one Rage to gds bNfag statement see the bads of each page fa addgrortal important iMorma~n o See your CardmemberAgreement Your CarrlmemberA~reemenl taaains ailthe terms of yotxAcaount. z Lost or stolen cards, Report anmed'etelyl Ca11 t-g0g-3d7.26B3. °' 0 Biging Rights Summery.ln Case of Errors a QuesgOnsAboulYow Bdi: If you thintc yorr big is mong, a g you need more information about a transaciiort on your big, mite us on a o separate sheet of paperer Discover, PO Box 30427, Sah Lake City, UT 841360427, as soon as possdtle. We must hear from you ra later titan 80 days after we sent you gte finer bit on g which tla error a proDiem appeared. You can tek.phane us, Dui doing so wit not preserve your rights. In your lager, give us the fogawitg etfonnation: ~? • Your name ant AaouM number. ~ • The dolor amount of the suspected error. ' Descrbe the error and explakt, g you can. why you believe there is an error. If you need rrrore infamatiar, desa~e tke iW~rt you ~e txtsure ataut. ~ You do not have b pay any artouM trr gtresliort x1t8e we are trtvestigaling, but you ere slit ab6gated ro pay lire parts nt your bgl that are not n queston. Whie we investigate your questbn, we cannot report you as dafrtquent a take arty acgat b GOged gte amount you question. Spedal Rute for Credit Card Purchases: If you have a problem wish the quality d goods a services that you purdrases with a aetlrt card, and you have triad b good faih ro correct the profgem wgh the merdtant, you may not have to pay th remaining amotat due on the good a services You have gte protection aMy what the purchase price was more than 550 and gte purcdtase was made in your home stale a within 100 miles of your rnaNing address. (g we own or operate the merchant, or g we mated you the advertisement fa the goods or services, aN purchases are covered regardless of the amount a location of purchase.) Payments. Send only your payment and the aP poAbn of gds staterrrent m the enveope provided. Do not saint caclt- By seating your ctack as descrited above, you authorize ce to use infarmatiort on your rltedc a make an electronic krrd transfer from your account al the fmancctl ins6lulion indicated on yow dtedt a to paws the payment as a check transaction. If payment is processed as an electronic fund transfer, the bansfer roil be to the amount of the check. When we use iMormafion from yore cttedt to make an electronic hind trarts(er, funds may be wAtdrawn from you account as soon as the same day we receive your payment, and you will nor receive your chede bade from your financial ir~titutiorr. The processing of your payment may be decayed if you send cash, correspondence or other items vilh your payment, if you send ate payment ro any other address a g you use an envelope other titan the one provided. Payments received in paper ram at our processing facity by 6PM toccl time on any day wig be credirod to your Account as of that day. Payments received at ax processatg ~riy after 5PM local dine wit be aedrred to your Acoatmt as of the neztday. g you trove misphaced your envelope, serd ya,r payment ro Discover. PO Bax 6303, Carol Stream. IL 60797.6103. Please albw 7-10 days far deNvary. if your payment is returned unpaid, m: reserve the right to resubrret it as an electratx; debit You can pay your minimum payment or a greater amount of gre telephone, and you can set up automatic payments. Call us at 1-800-347-2683. Yau wit need des emiement and your bank account information. You must ertwre that sukkienl kinds are avaFaNe in yore bank amount, and all Uansactiorts must canply wAh U.S. law. You wit be asked ro prmnde the test 5 digiLS of your account statement ZIP Dods. By entering those numbers as your electronic signature, you will ba agreeing to thg autharzalgn to allow us and your bank ro deduct eactt payment you aullarize from you bank account, and to ingiate debit or credit enhies to your bank account, as applicable to correct an errs in gte processing of such payment. Yau must lei us the amount of each payment, a yes can sated an arnasnt such as the Micrimum Payment Due or the New Balance at each statement. You can cancer a payment, ttorrever we must receive notice at least Urea business days in advance of the scheduled payment You may rrotify us byphone at t-800-347.2683 a by mail at the address listed tit the pevious parapaph. If your payments may vary in amount, we ii tag you an each monthly stadment rotten your payment tvifi !>e made and hour much it wit be. YaxAutamatic payment amount may be fens gran kdicated at gre monthly statement based on credits a payments applied during the biting cycle. Credit RepoNng. We may report infamagon about your acoaml ro aedB bureaus. tale payniertts, missed payments, or other dehrt8s on yar account maybe reflected n your aedit report 4Ye nomtaAy report the status and paymeril history of yoraAccounl ro aedl reporting agendas each month. If you believe tltat our report is inacaaate a incomplete, pk~nse virile us at the following address: Discorer, PO Box 75316, WibMrgton, DE 19850.5316. Please hdude your name, address, home telephone number and Amount number. Periodic Finance Charges. Ezcept as provided below, we will impose Peruke Finance Charges on purchases, cash advances, and baranca lrenslers beginning vrr[h IDs date the transaction occurs until the dale of repayment and on Oki Balances until the dale of repayment Old Balances ere compiled of either purchases and cash advances made on or pdar to the Est day of you billing period ertdmg during February 7993 or Reserve Line balances. You can avoid payment of Perioric Finance Charges on new purchases g you pay the New 8atance shave on the biting staferrtenl an whkdt the purchase first appears by the Payment Due Doke, ant the Paymatts aril CredgS on the statement equal or exceed your Previous Balance. We call Ibis Ihe'grace period". Yau do eat have a grace pared on balance transfers or cash advances. Periodic Finance Charges era imposed an rrew balance trertsters and cash advances beginnkg wigt the date the gartsactiat otxxss. Periodic Finance Charges are Imposed on all traru9acgons and Old Balances anti the dale of repaymerx. Repayment means payment of year entire Now Balartee. However, it you pay the Hew Baiartce shown on gtis biYng statement by the Payment Due Date, and the Payments and Credits shown on Nis statement egtrel a exceed the Previous Bamrtce, we roil not trnpose Periodic Finance Charges on new purdtases, tltal is, purchases krsl appearing at this statemett If your Accamtwas dosed as of September 27,1999, you can avid payment at Pedodc Finance Charges if you pay gte New Ba~rrce shown on this Statement by the Payment Due Date and the Payments amt Credits on ttds statement equal a exceed yaw Previous BaVartce. t)gtenvrse, you wt~ recawe a lxliirg statement next month that includes Periodic Ffttartce Charges imposed anti the Mate d repayment iNe oomputo Periodic Finance Charges each day for purdteses, cash advaaes, balartrye trensiets and Okl Balances (wtudt we rekr ro as transaction categodes) by using the totkrrA ~ equatim: Average Daly Balance x number of days in the bi6rtg period x Daly Periodic Rata (Refer ro gte finance charge summary on the kont of your statement fir tltese amounts J Then we add ant gre Pedodic Finance Charges for each transaction category to get the brat Pedodic Finance Charges for yourAccount. The Average Daly Balance is shown as 0 d no Pedodic Finance Charges appy to the balance in a trenaacgon category. i4"e use the Average Oaify Balance (kxkr~ng new iransacgons) megad of cafcufatkg gre balance upon wftich we impose Periodic Finance Charges. We tomixile the average daffy balance for each trartsac8m category by adding up a0 Ne daily balances tit a b~ period Pot a trartsadtan category and rtividing the total by the ntattber of days in gte biting cycle. We oarpute the daffy balance for each transaction category an each day by titer adding gte togowktg to the previorrs day's daily balance: transactions made that day, fees dtarged that da , and Periodic Ftirierrce Charges aoaued on ~ pevious day's daffy balance; and by glen sublractirg arty aedits and payments that are applied against the balance of the transition y category on drat day. Old Balances are excluded from the hatance of the purchase and cash advance transaction categories. Spedal rate DaParrce transfers and Balance Transfer Transaction Fee Finarue Charges are included tit the dairy balance transfartrartsadion cetegay. Balance trerefers Brat were subject to an initial specWl rate That has been temtinaled due ro a kte payment are also k>c~ded nt Ora nafegay viii the spedal rak otherwise would have expired. in pkutatirg Ute daffy balaae of gte halarrce hanafer trartsarbori category an the first day of the biAirg period, we subtract the unpaid balance of gale Balance TrarnierTransactwn Fee Finance Charges and bdance transfers that becorrte purchase rate balarrcetrans(ers on drat day and we add mat unpakJ balance m the balance of the purdhase transadbn gtegory. Ag fees clanged d your AaaM are added ro the purdrase transaction category inch gu exception of Cash Advance Transact-roe Fee France Charges wfiidr are added to the cash advaae transaction rdlegory and Balance TraruferTrans~tiort Fae France Charges which are added to the balance transfer bansaction category It a transaction made n a pevious bifkg period is itmmzed on giis statement, via consider gte ransaction date b be the first day of the arnent billing period when we taldyrffie your Periodic Finance Charges. For TDD {Telecommradwgons Device for the Oeaf) assistance, tail 1-800.347-7449. D'~smver may ntadtot sotto record telephone cats heNreen you antl Discover repasenfatAres for qualgy assurance purposes. The Discovers prd is issued by Discover Bank, tvlember FDIC. 07TBt(064 DISCOVER irpaysto ~N~~~mbel'endingln9139 _~S- ~~ Announcing Pending Transactions! You asked, vne listened. Cardmembers can now view pending transactions online! Check your purchases in realtime to stay tonneded to your account tike never before either oni;ne or using your mobile device. !Og in t0 yOUr aCGOUnt at Discover.com from your laptop or your mobile device and see for yourself! 6'~20t 2 Disoorer Bank, dhember FDIC Closing Date: June 11, 2005 page 2 of 2 Congratulations lathe 2005 National Dixover{R) Card Tribute AwardlR) Scholarship winners: Caitlin BarreB, Daniel Cayce, James Craft, Tiffany Grant, Sameer Gupta, RhaShonda Keehn, Logan Skelky, Paula Quesenberry and Kalby VanNewkirk. Each won $27,500 for post high-school education or training. Visit Discovercard.com/hibute.htm to learn more. :Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic fee Daily Periodic PERCENTAGE PERCENTAGE FlNANCE FINANCE Bahnces Rates RATES RATES CHARGES CHARGES current billing period: 31 Boys .Purchases $3768.68 0.07i2i% 25.99% V 25.99% 583.19 $0 Cash Advances $0 0.07121% 25.99% V 25.99% $0 $0 The rates that apply to your Account are either fixed )F) or they may vary (V) os noted above. QUeSti0i1S? Manage your account at Discover.com or call 1-800-DISCOVER { f -800-347-2683). DISCOVER 11 SDSNfiA01 0013596 KENNETH GENTRY 22 ASHBURG DR NECHANICSBURG PA New Balance Minimum Payment Due Account Number ending in 9139 $4,464.29 5100.00 Enter Amount Enclosed Below Payment Due Date August 10, 2005 please make check ble to Disrnver Pkstinum Card or pay online ~~acovercard.com. 17050-8203 Text APP to DISCOV` to receive a Ilnk to our free mobile app and pay your bill in seconds from anywhere) PO BDX 710$4 ~~~ut~~nnu~~ur~~~rr~r~ CHARLOTTE NC 28272-1084 Address, e~rrail or telephone changeZ Printchonge in space ~rrlrl~ii~ri~lrllirrlrrlrliiillllirr~rrlrrlrillirlirlrr~rlrrll above, or go to Discover.com. Print youre-mail address to receive important Account information and special offers. OQOQOb986458932953553044642900000000010000 Discover Platinum Card Account Summary Closing Date: July 11, 2005 page 1 oF2 Accourrf number ending in 9139 Previous Balance $3,995.64 Payment Due Date August 10, 2005 Payments And Credits 250.00 Minimum Payment Due $100.00 Purchases + 628.35 Credit Limit $6,600.00 Cash Advances + 0.00 Credit Available $2,135.00 Balance Transfers + 0.00 Cash Credit limit $3,400.00 F'v~ance Chargss + 90.30 Cash Credit Available $2,135.00 New Balance $4,464.29 You may be able to avoid Periodic Finance Charges, see fhe reverse side for details. Cashback Bonus° Opening Cashback Bonus Balance $ 32.74 New Cashback Bonus This Period + rs.2a Everywhere Else + 0.00 Cashback Bonus®Since Anniversary Month Cashback Bonus Baltlnte $ 39 02 October: $33.52 . CONGRATULATIONS! Your Cashback Bonus(R) is waiting For yov. Visit Diseovercard.com ar call 1.800•DISCOVER to gat your share of America's #1 Cash Rewards Program. How Can We Hel You? P 1. Visa as<owr.eem to pay your bdf for ao cost view our t l t A t i f ti d d ds d [t'S your choice - 3 ways to help a es ccoun n orma on, earn an re eem rewar an more 2. Call 1.800-DISCOVER (347-2683 for fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Cord, PO Box 30943, For TDD (assistance for hearing impaired] see reverse side Salt Lake City, UT 84130 Transactions So Fraud Liabiliy Guarantee Use your Discover Card with confidence. Trans. Post Date Dale Payments and Credits tun 12 Jun 12 INTERNET PAYMENT -THANK YOU $ -100.00 Jul 7 Jul 7 INTERNET PAYMENT -THANK YOU -150.00 Travel/Enbrtahrment Jun 27 Jun 27 CARNIVAL CRUISE 8D3L16 MIAMI FL 628.35 {nformotion For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCEMAGE RATE: 4.90%. Rote is subject to the terms of fhe offer including expiration. Ca11 1-877.353-0941 today or visit Discovercard.com to find out if you qualify for a valuable Balance Transfer offer. It's a fast and easy way to save money) Paying your Discover(Rj Card bill online at Discovercard.com is the fastest, most convenient way to moke your monthly payment. All you need is your checkbook -enter your banking information once during sign•up and you'll never have to enter it again. Visit the Account Center at Discovercard.com and you can begin making payments right away. TRANSFER BALANCES -Call - 1-877.353-0941 today or visit Discovercard.com to see what Balance Transfer rate is available for you. Pay off loans, bills or take that summer getaway. It's a fast and easy way to save money) ~=~- -. :r Important information. If there is more Than are page to ills bgM1rtg atakmatL see the bade of each page tar addBiatal impalant intamafion. o Sea your Cardmember Agreement. Your CardmemberAgreement cantalre aq the terms of yourAccount, z Lost a stolen cards. RepoA krsnedately! Caq 1-~0.YtT-26A9. rn o BiNing Rlghts Summary. In Case of Errors or r]trestbns Abot4 Your Blq: K yar tlirrt your blA's wratg, a q ydu deed mac infantation abaA a transaction on your biq, wide us an a $ separate sheet M paper at Discover, PO Bmc 30421, BaH Lake Ciy, tlT84l30-0421, as soon as per. We mrut hear from you rn latar than 60 days after we sent you the Arst bpi on wtidt the ertor a problem appeared. You an telephone us, btrt doing so vtil not preserve your d~tts. M your letter, give ua the fogavirg infartnalion: ~? • You rome and Accaatt nrmber. 'D m • The ddla arsaunt a the suspeded error. • Describe the erns and explain, i(you cam, why you believe there's an errs. h you need mare htortnalbn, describe Ste item you are tstsrae about ~ You do not have to pay any atlount it questiart wh9e we are krvesggalkg, Grt you are s1B ohfigeted b pay the pads of your bql That are trot in question. WMIe we investigate your question, wp control report yea as defingtreM a lake any argon b coped the emoutt you question. Spacial Ruts fa Credit Card Purchases: O you have a problem wigs the quality d goods a services that you puchases with a credit card, aril you have hied in good fait ro correct the problem with die merchant, you may not have ro pay the remaining amount due on the good a servicxs. You have the protection oily when the puuitase price was mac Than S50 and die purchase was made in your home state a wiOtin 100 rides d your moping address. (O we own a operate the merchant, a Hwe moped you the adverisement to the goods a services, aq purchases are covered regardless of the arrtant a tocatiat of purchase.) Payments. Send only you payment and the lop portion of dds statement in the envelope provitted. Do not send cash. BY sendkg your dtedt as described above, you autitor¢e us to use infomtation on your check to make an electmnic fund harsta from your acearrrt al the fnan6al ktslitution indicated on your deck a ro process the payment as a check transaction. If payment is processed as arc et~troniclund 4ronsfa, Bte transfer wiq be for Bro amount of the check When we use infarmaion from your ctredc to make an electronic fund transfer, 4unds may be withdrawn ban you arxount as seat as the same day we receive your payment, aril you tttd not receive your check back tram you financial ktstituGon. The pmcessng of your payment may be delayed if you send cash, cortesprxdence a other items vnlh your payment, if you setd the paynrerd to arty ottta address a if you use an envelope other than the one provided. Payments recehred in proper torte at our processing fecaky by 5PM ktalllme on any day will be cedted b yourAccount as of that day. Payments received at ou prrxxssktg tatdlity after 5PM beat time wql be credited to you Accent as d the next day. If you ha~re nisnmced you envelope. send yea payment to Oiscwver, PO Box 6t03, Card Stream, iL ti0197-6103. Cease agow T-10 days la delivery if year payrrtent is returned ur4wid, we reserve the right to resufxrtit it as an electronic debit You ran pay you minimum payment a a greater amamt of the telephone, and you an sal up autanatic payments. Cant us a! 1.800.347-2683. You va11 need this statement and you bank account information. You mral ensure That sufficient funds are avagaWe in your bank account, and all Uarsachons must comply with U.S law. You wiq be asked to provide the f rst 5 d'gis of you account statement ZIP code. By entering dross ntanbers as your electronic sigrtaNre, you wd be agreeing to This audwrizason ro agow us and your bank to deduct each payment you authorize ban you bank account, and to inifiete debd or credit entries to you baMt amount, as applicab{e to coned an error in Ste processing of such payment. You must tell us the amount of each payment, or you can select an amount such as ttte Minimum Payment Due a the New 8~ance on each statement. You can cancel a payment, however we must receive notice al least Three business days in advance of the scheduled payment You may nrotify us by phone al 1-800347-2683 a by map at the addmss listed in the previous paragraph. if your payments may vary in amount, we iq tell you on each monthry statement when your payment vrili be made and haw much it vAil ce. Yoa Atdortratic payment amount may be less Stan irxBCated on Ste matthty slaasrertl based on aedks a payments applied during Ute bflling cycle. Credit Reporting. We may repod infortnadon about your auvouM m rxed'd btaeaus. late payments, missed payments, or other defaults an you acmuM may be reflected in you credit report. We narmatty report the status and payment ftistay d your Amant to credfl reporting agencies eadt month. g you begeve that our report is Inaccurate a inoomplele, please wdle us at the following address: lbscover, PO Box 15316, Wihnirglon, DE 19650-5316. Please erckde your name, address, home telephare number and Account number. Periodic Finance Charges. Except as provided below, we will impose Periodic Finance Charges on purchases, rash advances, and balance Transfers beginning with the date the hansaclion occurs until the date of repayment and on Old Balances until the date of repayment. Old Balances are comprised of either purchases and cash advances made on or prior to the last day of your bdig period ending during February 1993 a Reserve Line balances. You can avoid payment of Periodic Finance Charges on new pudtases if you pay the New Balance shown a+ the bgl'ng atalemeM at which Ore puchase first appears by the Payment Ure Date, and the Payments and Crec6ls on Ore statement egrml a exceed your Previous Balatce. WB coq this the "grace period". You do not have a grace period on balance transfers a cash advances. Periodic Pittance Charges are imposed an new baance transfers and ash advances bagextk~g with the date the tratsacdat occurs. Periodic Fnartce Charges are imposed on all trarsadiorta and Old 13alatces uMr the date of repayment. Repayment meats payment of you en8re New $alartce. However. ii you pay the New Balance sham on this bggng statemad by the Payment Utte Date, end the Payrrtatls and Credds shown on 11ris statement equd or ezoeed the Previous BaMnce, we vn11 cal impose Periodic Finance Charges on clew purctreses, tMl is, purchases first app~rktg on Ors statement If your Aocaiatlwas dosed ~ of September 27,199,9, you can avok payrtrortt of Periodc Financo Charges O you ~y the Net Salanoe shown on Ors Statmrterit by the Payment Dace Date and the Payments and Credos on this statement equal a exceed your Previous Balance. OBrenvfse, you will receive a bdkg statement nex!month Ihal'ndudes Periodic Firranoe Charges knpesed unlN the dale of repayment. We comgne Periodic Fnance Chagas wadi day for pudlases, ash advertces, balance transfers and Old Batarttes (whtdt we refer ro as hansadiat ralegaies) by using ttte togowing equaliom Average Dart' Balance x number M days in die higing period x Daily Periodic Rate. (Rata b the finance rhage summary on the trail of you sWlement for tltese arnouris ) Then we add alt the Periocfic Finance (:barges fa each transacton category b get the total Pabdic Finance Charges for you Atxotrnt The Average Daily Balance is stxrwn as 0 if no Periodic Finance Charges apply ro the balance In a hansactlon ategay. We use the Avera~ Daffy Balance (htduding now hansacdors) medtod of calarlating the balance upon which we trnpose Periodic Fnance Charges. We compute 6he average daily balance for each harsactlon category try atldrg uP aq the dagY balances nt a dghg period !a a hartsaction category and dividing the total by the rtuinber of days in the bilkrrg cycle. We compute the daily bdance for each transadion alegory on eadt day by first add'rrg the kgowing ro the previous day's dopy balance: transactions made Nat day fees niarged the day, and Prariodic Finance Charges accrued on the previars day's dopy baance; and try then subtrading any aedgs and payments that are appled agansl the balance of the hansacrbn ategory on that day. Old Balances are exdded ban the balance of the purchase and ash advance transaction categories. Spedal rate balance transkrs ant Ba~rta Tratsfa Transaction Fee Finance Charges are irxVUded in Ote dopy balance tratsfer transaction category. Balers transfers Otat was subject b an ini~l special rate that has bean temtinaaed due to a late payment are also irrdurled in the category until die inlfW special rate o8terwitse would have expired. In calcriatirg the dolt' balance of the balance tratnler transadien ategay on the first day of the bilkg period, we subUad the unpaid balance d drone Balance transfer Trensadion Foe Finance Charges and balance transfers that become pudtase rate balance transfers on that day end we add Brat urpald balarroe ro the balance d Ste ptachase trNSac4iat ategory. Aq fees charged to yrxuAccorart are added to the purchase transaction ategay with the exception of Cash Advantce Taansadion Fee Finance Charges which are added to the cash advance transaction ategay and Balace Transfer Transaction Fee Fitance Charges which are adtled ro the balantce hander transadion aNgory. if a transadion made In a previous trglig period s itenttiied on min statement, we consider the transactiat date b i>e Ne first day of the Gwent bBgng period when we aldrate you Periodic Finance Cfratges. ForTOD {Telecommuniatiorts Dwice fa the Deafl assbtmce, all 1!-~0.347-7448. Discover may monitor andla record telephone caps between you and Dfacover represeMadves to quality assurance purposes. The DiscoverK ant is issued by Discover Bank, Member FOIC. O1TBK064 DISCOVER upoysto `''~ KENNETH GENTRY '~C~~ Account number ending in 9139 Announcing Pending Transactions! You asked, we listened. Cardmembers con now view pending tronsOCtions online! Check your purchases in realtime to stay connected to your account like never before either online or using your mobile device. 1.08 in f0 yOUr OCCOUnt at Diseover.com from your laptop or your mobile device oral see for yourself! ®2012 Discover Bask, Member FDIC Closing Date: July 1 1, 2005 page 2 of 2 25% of credit repots contain errors serious enough to result in denial of credit ("Mistakes Do Happen; a k»k at errors in consumer credit," Na'I Assoc. of State PIRGs, June 04). ProfileProtect{R) is a comprehensive service that helps you monitor and manage your credit. Enroll today at ProRleProtect.com/control. [ntroducing Avto Bill Pay, Discover{R) Card's free service for paying your bills. Phone. Cable. Subscription services. And more. k's a great way to save time while buflding your Cashback Bonus(R}. Visit Discovercarcl.com/Au-obillpay to sign up today. What steps are you taking to prevent credit card fraud6 Let The Register{R) hefpl In the event your wallet is lost or stolen, we'll cancel all your credit, debit, and ATM cords and have new ones reissued to you. Plus, you'll receive a free credit report & 60 day monitoring. Call 1.800-3e17.3395 or visit DiseoverCard.eom/TheRegister for details. Finance Charge Summary Nominal Average Daily ANNUAL ANNUAL Transaction Periodic Fee Daly Periodic PERCENTAGE r PERCENTAGE FINANCE fl Ba oness l~}a es RATES RATES CHARGES current billing period: 30 days Purchases $4226.85 0.07121 % 25.99% V 25.99% $90.30 $0 Caah Advances $0 0,07121 % 25.99% V 25.99% $0 $0 The rotes that apply to your Account are aithsr fixed (F) or Ihey may vary fV! as noted above. QUeSt10nS~ Manage your account at Discover.com or call 1.800-DISCOVER (1-8~0-347-2683). --~~ - -- ; r - - Ic New Balance ~($C~VER Minimum Payment Due Account Number ending in 9] 39 Amount Enclosed Below te 00 E $4,720.52 n r 5105. Payment Due Dale Sepromber 10, 2005 Please make check payable to Discover Platinum Card or pay online ~ Discovercard.com. 11 SDSN6AOt dot 3597 Te:d APP to DISCOV' to receive a Ilnk to our KENNETH GENTRY tree mobile app and pay your bill in seconds 22 ASNBURG DR from anywheref MECHANiCSBURG PA 17050-8203 PO BOX 71084 ~~lur~~nuul~ru~~~n~rl CHARLOTTE NC 28272-1084 Address,a-mail or telephonechangeZPrintchangainspace Irrlr~~ri~r~i~r~~rrr~rr~r~rrr~~~~rrr~rr~rr{rr~~rr~rr~rr~r~iil~ above, or go to Discover.com. Print your e{rraif address to receive important Account information and spacial offers. 000001986458932953553047205200100000060500 Discover Platinum Card Account Summary Closing Date: August 11, 2005 Po9e 1 of 2 Account number ending in 9139 Previous Balonce $4,464.29 Payment Due Date September 10, 2045 Payments And Credits - 1~•~ Minimum Pcrymerd Due $105.00 Purchases + 256.22 Credit Limit 36,600.00 Cash Advances + 0.00 Crodit Availabb $1,879.00 Balance Transfers + 0.00 Cash Credit Limit $3,400.00 Finance Clwrgss + 100.01 Cash Credit Available $1,879.00 New Balance - 34,720.52 You maybe able to avoid Periodic Finance Charges, sea the reverse side for details. Cashback Bonus° Opening Cashback Bonus Balance $ 39.02 New Cashback Bonus This Period + ~ 6 Cashback Bonus Balance 3 41.58 Cashback Bonus®Since Anniversary Month October: $36.08 CONGRATUTATIONSI Your Cashback Bonus(R) is waiting for you. Visit Discovercard.com or call 1.800.DISCOVER to get your share of America's #1 Cash Rewards Program. How Can We Help You? 1. Visit Discover.tom to pay your 681 for no cost view our latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Catl 1.800.0ESCOVER (347.2683) for fast, easyself-service i M anager ce Account options or io speak with a Customer Serv Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt lake City, UT 84 f 30 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. Trans. Post Daro Date Payments and Crodifs Aug 10 Aug 10 PAYMENT -THANK YOU $ -100.00 Travel/Entertainment Aug 9 Aug 9 DELTA 0061 3 2 3 750 8822 ATLANTA GA 256.22 AUTOMATIC fUG}iT fNSURANCE NO COST B1SYS MANAGEMENT COMPAN COLUMBUS OH Information For You 8atance Transfer offer for current billing period: Deity Periodic Rafe: 0.013A2°k; corresponding ANNUAL PERCENTAGE RATE: 4.90%. Rote is subject to the terms of the offer including expiration. Discover Bank Money Market and CD Account rates consistently beet national averagesl* View our rates at Discoverbank.com, or call 1-800.347-7000 to speak with on Account Manager. Open an Accourrt toddy and mention coda: SM0805M. Member FDIC. 'Based an rnmparison of rates reported in a recent survey of financial institutions by BanxC~uote.com. Use your Discover(R) Card with confidence knowing than if has the identity fraud services ranked #1 bylavelin Strategy & Research. Your account is protected anytime, anywhere with $0 fraud liability guarantee and we'll call you right away if there is unusual activity on your account. To loam more, visit Discovercard.com/protection. Important informa9on. N there is more Man one page to Mis bifrrg statement, see the track of each page (Or additiaal impatart infoanation, o See your Cardmember AgraaneM. YOUt CardmemberAgreemed cantairts a8 the tarns d your Account ~ z Lost or stoMn cards, Report hnmediateyl Call 1.800.347.2&83, j o BNting Rights Summary. In Case of Errors a OuesiiaesAtwu! Your Bit: If you tldnk your dfl is wrap, a 8 you need more deformation about a transachorr on you 681, wd~ us on a _ o separetestteetotpaD8tat0is0oweer.POBac30421,SatttakeCBylR&{130.0421, as soonaepasibte.WemustheasUanyouraroterthan60daysaRerwasemyouthefirstbslon g vArirh the errs a problem appeared, You am telepleaee us, but doing so rill rid preserve you d~Ils. ro your fetter, give us the @>nowirg Imomtalion: w • Yar name and Accaml twmba. w • The dd~ramount d the suspected errs. • Describe the errs and explave. A you can, wiry you bditwe Mae is an etra. II you treed more infortnalion, desuibe Me Nem You are uresae about. ~ You do rid have ro pay arty amatm in question xtWe we are anestlgalap, but you era stiff omigarod ro Day the parts of your bS Ihat are not in question. allele we aevestigate your queslWn, we cared report you as detingtxnl a lake arty action to collect Me amount yrou question. Special Ruk for Credit Card Purchases: If you have a problem wits the quaNry of goads a services Mat you ptrrdwses wits a aedN card, and you have tried ur good tai0e to correct the problem with Me merchant, You pray not have to pay the remaining amount due on the good a services. You have 8re protection qtly when the ptrduse price was more than E50 an4 flee peudrasewas made ds your aroma slate a wNhio 100 miles of yewr maidrp address. {It we own a operate the merchant, a H wa mated you Me advertisement for the goods or services, all purchases ere covered re;gardles5 m the amours a location of purchase. Paymods. Send only you paymem and the top patiort d this statement n the envelope provided. Do not send cash. By sending y0sx dsed: as descrbed shoe, you aulteodze us to use mfonnaaon on your check ro malts an electonic hmd transfer from you actorrn at Me finanrSat instilrrtion indiceted on yrorx deeck a to process Me payment as a check trarrsaclion. It payment rs processed as an electronic fund transfer, the tmnsier vtifl be for Oee amoum of the check. When we use information from your check to make an eletUanic fund transfer. funds may be witldrawn Uom you accowst as soon as the same day wre receive your payment, and you wit not receive ycnx check back Uap your finendal institution. The processing d you payreront may be delayed if you send cash, cotrespondertce anther items wits your payment, tl you send Oee Dayment ro any omen address a if you use an envelope other than Me one Drouitled. Payments received in proper form at our processing fadity by 5PM local tare on any day wiq be credNed ro your Accwnt as Of that day Payments received at our prorassirg taa4ly after5FM teal time vdN be aedAed toyewr Aoodast as of the raexl day. If you have nin;placad your enve'upe, send your payment to Discover, PO Sac 6103, Carol Stream, }L 60197bf03. Please atiow 7-10 days for delivery. 9 your payment is returned unpaid, we reserve the right to resubrrat it as an electronic debit. You can pay your mirimum payment or a grealeramount d the telephone, and you tae set up automatic payments. Ca11 us at t-8D0-347.2683. You wit need this statement and your t~+sk account information. You must ensure ltrel sutfident funds are avaia6le in yoabank account, and a8 Uansactloris mil comply with U.S. law. You wit be asked to provide the frst 5 digits d you account statement ZIP code. By entering those numbers as your electronk signature, you wit be agreeing to Ibis ardhorization to albw us and your bank to detluct each payment you authaae from you bank account, and to iniaafe dealt a credit entries to your bank acmuni, as ~epikable to correct an error in the processag of such payment. You mull le8 us Me amount d each payment, a you tan select an arndml such as the Mirirnum Paymed Due or the New Balance ore each statement. You can pnxl a Dayment. however we must receive mice at least tMee busirre~ days in advance of the scheduled payment You may ndNy us by phone at 1.8~-347-2583 or by mat at the address i'sled in the previous paragraph. If your payments may vary dt amount, we tll 2dt you On each rteon9ay statemem when your payment wtll be made and feow much it wtl be. Your Automatic paymaei amount maybe less Mars indicated on the maeiNy statement based m credits a payments applied doting the hRarg type. Credit RepoAing. We may report intorrna8on about your eaxtlml ro aedN bureaus. Late payments, missed payments, a other defatdls on yes account maybe reflected in your aedit report. We normally repel are status and paymed history d yata Accataet b aedit reporting agerrcies each momh. If you believe that our report is inaccurate or incomplete, please write us at Me foNotvmg dress: Dtscova, PO Box 15316, Wimingtan, DE 19850-5316. Please i~lude your reams, address, home telephone number and Account number. Pedodic Finance Charges. F-xcept as prowled below, we wBl impose Periodic Finance Charges on purchases, cash advances, and balance transfers beginning with the date the transacion occurs ureter Me date of repayment and an 0!d Balances unti4 the date d repayment. Old 8aiantes are comprised of either purchases amt rash advances made on or prior to the fast day of your biNing period end'eg during February 1993 a Reserve Line bdancs. You can avoid payment d Periodic finance Charges on new purchases d you pay the New Balarrce shown on the biNueg statement on which Me purchase first appears by the Payment Due Dale, ant flee Payments and Credits on the stalemerd etpwt a exceed your Previous Bdance, We ra8 9ris Me `grace period". You ~ not have a grace period on balance iraresfers or cash advances. Periodic Finance (:barges are imposed on new balance tmnsters and cash advances beginning with the date flee traresacl'gn ocetss. Periodic Frraxe Charges are apposed on all transadams ant Okf f3alaeces un818re date of repayment. Repaymem means payment d yarn attire New Baknnca. Hoxever, Sf you pay the New Balance shovm on Mis Ming statement by the Paymed Due Dsle, ant flee Payments and Gedits sleovm on Oas statement equal a exceed the Previous Baiarue, vre xrg rot impose Periodic Finance Charges on rre+v purdwses, Brat is, ptrchases frsl appearetg on 8ds statement If yea Acwad was dosed as of Septanber 27,1999, you can avoid payment d Pertodx; Finance Charges if you pay the New Balance shown on gas Stamrrrad by Me Payment Due Gate and qee Paymads and Credits on Nris statement equal a exceed your Pevous Batance. Otherwise, you vtiti receive a !>fl6ng statement next math tlwt irecpides Pedodic Fnarrce 171arges ircgwsed aet9 the date of repaymera. We compute Pedodic Finance Cfrerges each day fa padeases, cash advances, balance transfers and Old Balances {whkde x4 refer ro as transacton categories) by using the fdlowing ' equa8on: Average DaiY Balance x rxxnber of days in lice b r~ing period x Daly Perbdk Rate. (Refervt Me tireance charge surnmwry an the UoMof your stalemerd for Mess amounts.) Then we add efl the Periodic Fktartce C,hages for each transaction cetegary to get the total Parodic Finance Charges to your Account The Average Daly Balance is shown as 0 N no Pedodic Frearece Charges appty to the balance in a traraacdon category. We use pee Average Qaiy Balance {irrckdasg new Uansadions~ msOsod d catctdatisg the balatm upon wltid, we intpces Parodic Finance Charges. We compute flee average daily baMnce for eats treresatdion category by addirp up a8 Me daffy balanoas m e b8ing period for a Irensadan category and dividag the fatal by Me ntanbar d days in the biflag type. We compute the dopy balance fa each bargacYort category on each day M' first adding the foNoxing ro the previats day's daffy balance: trarxadlons made Mat day, fees charged that day, and Periodic Finance Charges aaxued on 8re previous day's daffy tralanca, and b'1 tlsas subUaeas9 any aedlts and paymentsthat ma applied againstthe balance dthe irensactan category on that day. Ok1 Balances are excluded Uom the balance dthe pachase and cash advance bansadion aetegories, Special rate b~ance transfers acrd Balance Transfer Transaction Fee Finance Citasges are included in the daffy balance traester basacaae category. 8a)ance Vaesters fleet were srrbjed to an ai4i~ speaal rare Thal leas been lemtinated due to a late payment aro also attllded in the category trail the ~I Spedal rate oMerwise would leave oxp'red, In cdculaling the poly balance d the balance Uartster tansacion ptegay on the first day of the baling period, we subbed the tmpad behrtce d deOSe Balenta Transfer Transacion Fee Fhtartce Charges and balance Uanslers the! bemrrle purohase rate balance bartsfers on Mat day and vre add that unpaid baance b flue batartce of Me purchase tranaactiore calegony. AN fees dtarged to yoaAcmunt are added to the purpose transaction category with Ma exceptiop d Cash Adrartce Transaction Fee Finance Charges whkh are added b the cash advance tansacion category and Balance Transfer Transaction Fee Finance Charges vdeich are aged ro Me balance Uantsfer UansacNon category. Na Uaraac6on made in a previous ' b Alaeg period is itemized on Mis stalemerrt we oonsder the transatslar date to be the first day of the arrem billing period when ws cakulale your Perk Faeance Charges, For TDD (TetecommtmiraNorrs Device for the Deaf) asslsfanca, ca81.8fl8-347.7449. Discover may manta andkx recoM telephone calls between you and Dismver repmsenlatives for quality assurance purposes. The Discovers card Is issued by Discover Bank, Member FDIC. O1TBK064 DtSC~VER' U pays w KENNETH GENTRY 'SC`~ Account number ending in 9 i 39 Announcing Pending Transactions! You asked, we listened. Cardmembers can now VI8W pending transgctioru onlinel Check your purchases in reoltime to stay connected to your account like rrever before either aline or using your rreobik; device. In #O yOUr OCCOUnf at Dixover.com from your laptop or your mobile device and see for yourself! ®2oi 2 a~« Bank, nnemba~ Fac Closing Date: August 11, 2005 page 2 of 2 Paying your Discover(R) Card bill online at Discovercard.com is the fastest, most convenient way to make your monthly payment. All you need is your checkbook -enter your banking information once during sign-up and you'll never hove to enter it again. Visit the Account Center of Discovercard.com and you can begin making payments right away. Wondering what to give For all of those giFtgiving occasions like weddings, birthdays, baby showers, back to school or just a thank you8 Now, send n Discover(R) Gift Card with No Shipping Fee -the per(ecf giR for any occasion. Use them where Discover(R) Network Cards are accepted. Visit www.discovergiftcard.com to order one today. Discover Financial Services is once again proud to support the Juvenile Diabetes Research Foundation's Wulk to Cura Diabetes. Help us raise even more money to fund research for a cure by parficipoting in the Walk or donating your Cashback Bonua(R) ho JDRF. A cure is within reach. To learn more, visit Discovercard.com or www.jdrf.org. Use your Card and get Cashback Bonus(R) on your purchases. Cashback Bonus is the only cash rewards program that lets you double the value of your rewards when you redeem for gill cords or cerfificotes From many of our 40 brand name partners. f=inance Charge Summary Average Daily Nominal ANNWLL ANNW4L Periodic Transaction Fee belly Periodic PERCENTAGE PERCENTAGE Balances Rates RATES RATES C~GES CHARGES current billing period: 31 days Purchases $4530.66 0.071219'0 25.99% V 25.99% $100.01 $0 Cash Advances $0 0.07121% 25.99% V 25.99% $0 $0 The rates that apply ro your Account are either fixed [F) or they may vary (Vj as noted above. QUeStlOns~ Manage your account at Discover.com or call 1-800•DlSCOVER (1-800-347-2683). -- --- :~.~ - - --- -; r D~~`C~VER:• New Balance Minimum Payment Due Account Number ending in 9139 JJ\r G $4,747.29 $106.00 ~ Enter Amount Enclosed Below Payment Due Date October 10, 2005 Please make cheek payable to Discover Platinum Card or pay online ~ Discovercard.com. 11 SDSN8A01 0013598 KENNETH GENTRY 22 ASHBURG DR MECHANICSBURG fA 17050-8203 Address, e-mail or telephone changeZ Print change in space above, or go to Discover.com. Print your emmail address to receive important Account information and special offers. Text APP to DISCOV' to receive a link to our free mobile app and pay your bill In seconds from anywheref Po BOX 71084 Illrrdhrrrrrl6rrlllrrl~l CHARLOTTE NC 28272-1084 ~u~r~luluilrl~nilirlrlurllllur~ulnlnllu~ululi~ul~ 00000198645893295355304747290000000001060!] .._ Discover Plafinum Card Account Summary Closing Date: September 11, 2005 page 1 of 2 Aaount number ending in 9139 Previous Balance $4,720.52 Payment Due Date October T0, 2005 Payments And Credits - 103.00 Minimum Payment Due $106.00 Purchases + 26.4S Credit Limit $6,600.00 Cash Advances + 0.00 Credit Available $1,852.00 Balance Transfers + 0.00 Cash Credit Limn $3,400.00 Finance Charges + 105.32 Cash Credit Available $1,852.00 New Balance $4,747.29 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance S 41.58 New Cashback Bonus This Period + 0.26 Cashback Bonus Balance $ 41.84 Cashback-Bonus®-Since Anniversary Month -- -- October: $36.34 How Can We Hel You? p i Visit Discover.cem to pay your bit for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 wtays to help 2. Call 1-800•DISCOVER (347.2683) For fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card PO Box 30943, For TDD assistance for hearing impaired) see revere side Salt Eake City, UT 84130 Transactions $0 Fraud Ciabl)ity Guarantee Use your Discover Card with confidence. Trans. Post Data Date Payments and Credits Sep 4 Sep 4 INTERNET PAYMENT -THANK YOU $ -f 05.00 Merchandise/Retail Avg 12 Aug 12 KMART 4479 HARRISBURG PA 26.45 Information For You Auto Bilf Pay is Discover(ft) Card's free service for paying your bills. Phone. Cable. Subscription services. And more. It's a great way to save time while building your Cashback Bonus(Rj. Visit Discovercard.com/Autobillpay to sign up today. finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE HNANCE B°Ian<gs Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $4770.85 0.07121 % 25.99% V 25.9990 $ i 05.32 $0 Cash Advances $0 0.07121 % 25.99% V 25.99% $0 $0 The rotes -hot apply to your Account are either fixed IF) or they may vary )V) as noted above ___- ----~--~~--- - - ---.~r _ -, Important Infomndon. If there is more than are page to this b%h'ng statement, see the lradc of each page (or addiaonal imAOdant krforma%ar. See your Cardmember Agreement, Your Cantkrrember Agreement cartahs al the temrs of you Account. Lost w stolen cards, Report immerAalehA Cell 7.800.347-2&83. B%Iing Rlghls Summary. In Case of Errors a Oues6ons About Your Bill: If you tfardr your GB B wrong, a i you need more intimation about a frartsac%olt on you W%. wrie us on a separa0e sleet of papa et O'iseover, PO Box 30421, salt Lake Cry, lfi 84130-0421, as soon as possible. We must hear from you ro tatty %ran 80 days aflerwe sem you qte Arst bR an which the arty a problem fired. You ran telaphorre us, iwt doing so wit not preserve you rights. in y~ ~, 4n'a us the tolloviatg intimation: • Your clone and Accowrt number. • The dol~ramotnt of the suspected erti. • Desraibe the acre and exAfaN. %you can, whyyou believe Brace is an anon. If yet need more iMomralion, desiibe the %em you are unsure about You do not trove t0 pay a,ry amount h question rvh%e we are invesOgating, brrt you are St3 otrlgaled b pay the paAs of your hit fGal are ni in question. VYhile we irwesrigate your queston, we carnal report you as delnquenl a take arty action fo co%ect Ore antounl you question. Special Rule for Cred"N Card Purchases: If you have a problem wi0r the quaAry of goods or services that you pudnases wAh a aedl card, and you have hied in good faih to cared the problem vSttr ee nrardtaM, You Wray not have to pay Ora rernalning amount due on the good a services. You have the prdection oNy when the purchase pdce urea more %tan 550 arcd the ptrrdrase was made in }roar bane state a wih4t 100 colas of your nraiirtg address. (h we own or operate the merchant, err if we mailed you the adverlisemem fa are goods i services, a% pudtases ace covered regardless d the amount or k>cation of Purchase.) Paymerrre. Send arty you Payment and the topporAar ollitis statement in the emebpe Provided.l)a not send cash. By swing your dnedc as desruibed above, you au0wdze us b use mfonna%on an yoi check to make an electronicfund Transfer tram you account at the fmandal inshtuAan indicated on your drecir a to Drocess the payment as a Cheek transac%on. If paymem is processed es an electradc hard pansfer, the trarrsler wi% be for the errwunl d ibe d>edr. When wa use informationlran you dreck to make an electronic land vansfer, funds may be withdrawn from you amount as soon as the same day we receive yiu payment, and you will not receive you check back from your Anandal ins6tuhon. The processing d your payment may be delayed if you send cash, correspondence a other items With your payment, if ycw send the payment to any o0rer address a if you use an envelope other Oran the one provided. Payments received in proper torn at our processkrg brilily hY 5PM local dare on any day wi% be tract%ed b your Account as of that day. Payments rereived at our Processing DrQTIY after 5PM brat Ants w6 ba aedBed to yourArx:arra as of Ore next day. H you have misplaced you envelope, send your payment to Discover, PO Box rii03,CacdStream.IL64107-8103.PtaaseaNow7-tOdaystadelivery.Oyoupayment'tsretumedunpaxi,wereseNaltrerigtdtoresubmililasarrek:cirapetlebrL ~~'~~-~-~~-~-~- Ya can pay your mhimum payment i e greater amount of the telephone, and you can set up auomatic payments. CaN us at 1-000.347.2683. You xa11 creed tlris sratement and your bank account information. Ywr must ensure That sufficient Lards are available in your bank account, and all transactions must comply widr U.S. law. You v4il be asked to provkfe the first 5 digits of you accoum statement ZIP code. By entedng Oise rxurlbers as your elecWrec signahue, you wiH be agreeing to flea autkwdzalion to allow us and yarn Gankto deduct each payment you rise irmr you bank account, acct to initiate debit a credit acacias to your bank account, as applieaGle to correct an anon in the prooessirg of such payment. You must tell us the amount of each payment, ayou can select an amount such as the Minimum Payment Due or the New Balance on each slalemenl. You can cancel a payment, however we must receive notice at least Ores business days n advance of the srhQrkrled payment You may notify us Dy phone at 1.600-347-2663 or by mail at the address listed in the previous paragraph, H your payrrrents may vary h anent we dl teA you on each mosaf Ay statement when yea payment w341:a made and how much it wi0 be. Your Automatic payment amount may be tens lttarr indicated on the monhhiy stetemerd based on aed'ns a payments appked during the b%Iing cycle. Credit Reporting, tNe may repot vntimadon abort your atcolmt m credi bureaus. La08 payments, mused payments, or other defaults on your acoouni may be re%ected h you aedit repot. We narmaiy report the slaters and payment history of yoaAOco~nl m credit repating agendas each mondt. It ya believe that our report is inaea+rate a incomplete, please write us at the following address: Discover, PO Box 15316, LN%mingbn, DE 19850-53f8. Please include your name, address, home telephone nunber ~d Aaorurt number. Periodic finance Charges. Except as provided below, rvz wit impose Periodic Finance Charges on purta~ases, cash advances, and balance transfers beginning vdth the date the transaclim occurs unt% the date of repayment and on Old Balances until are date of repayment. Old Balances are comprised of either purchases and cash advanrzs made on err prior la the last day of your bShg period ending dump February 1993 a Resenre Lhe balances. You can avoid payment of Periodic Firrarrce Charges on new pudhases H you pay the New Balance sfrow+r on the bil%rrg statement on whnicfr the purdrase lust appears by the Payment Due Date, and the Payments and Credis On the stmt equal or exceed your Previous Balance. We cell Ous One `grace period'. You do not have a grace period on balance transfers i rash advances. Pera>dre F'rrarrce Charges are Imposed on new bahrtce trerrsfers and cash advarrrxrs beghnhg vri%t the date the transaction occurs. Pedodk Finance !;herpes are imposed on a% trataectiorrs and Old Balances urtli the dak of repayment Repayment means payment of your entire New Balance, tkarrever,'rf you pay 1Ge New Balance stowro on this Gi%hg statement by ~ Payment Due Dale, and Ute Payments and Credits shown w This slaferneM equal a exceed the Previous Balance, vre wi% rot impose Periodic Phonate Charges on now Purchases. tint is, purdiasesFastapAeathg err thts stalemant H your Acaountvas dosed as d September 27,1999, you tan avoid payment of PeriaAe Firranra Charges Hyou pay Ore New Balance shrown on This SWlertrent by %te Payment Due Dale and the Payments and Credal on tNs statement equal a exceed your Previous Ba~rrce. Olhenvise, you wit receiue a bi1%ng statement next month that hdudes Periodc France Charges imposed anti the date of repaymerU. We compnde Periodic France Charges each day fa Purchases, rash advances, balance transfers and Old 8darrces (whidrwe refer to as transaction cetegotiesj by using the toltowing equator: Average Daly Sahance x number of days In the b~'ng period x Daly Peiadic hale. (Refer to the fvrance duxge summary on the front of your stalemenl to ttrese amounts.) Then we add alt the Periodic Finance Ctdrges for each Uansadion category to get the idol Periodic France Charges tw youAcoounL Ttra Average Daily Balance is shown as 0 %no Periodic France Charges apply to the balance in a trensatdiur category, We use 1heAverage Daly Balance (inducting rrewtransac5ons) method of calala6ng ate balance upon winch we impose Periodic Finance Charges. We compute die average dairy ba~rroe for each frarlsac%on category GY adding up ~ the daily balances h a blTing period for a Uarrsaclbn category and dividing the local GY the number of days in the baling cycle. We oompuTe the daily balaroce fieach trarrsaCAit category on each day by first adrAng the fo%owing to the previous day's aaAy berarrce: Mansacbrxs made That day, tees charged that day, and Periodic Finerrce Charges accrued on the previous days daffy balance; and by then sublratthg airy aedis and paymens that are app%ed agahstthe balance of ttae trarrsactiat category on that day. Old Bateroes era excluded ban the Galante of the pidrase and cash advance Gansadion calegodes. Special rate balance Uansters and Balance Transfer Transadbn Fee France Ctrarges are irrduded In pre daffy balance trarxsfer IransacGOn category. Balance transfers tllal were subject b an hi%al spedal rata that has been terminated due to a tale payment are alsaitvdaded h ~ category anal the iniVisl apetial rate ottrervrlse would crave agired. In cakufetirg %te daNy a of the balance tranaierkansadioncategory on the first day of the biAing period, vve subtract the unpaid Galante of tlrose Balance Transfer 7rarnsactiin Fee Finatrce Charges and balartce transfers that become purchase rate balance transfers on That day ant we add %tat unpaid Dalarnte ro the balance i the pladrase transacAon category. AN fees drarged to yourAcrAturt are added b the purdrase transaction category with the exception of Cash P~vance Tratvaction Fee Finance Ct>arges whkh are added tore rash advance irensadion category and Balance Transfer Transadbn Fee Finance Charges which are added to die b~rce transfer tratrsadien ptegay. If a Transaction made h e previous bi%ing pedod is ilerrr¢ed on this statement, we oorrsider Ole trdtrsadbn dare b be the Aral day of the current bi%ing perod wirer we calariala your Periodk Fhance Charges. For TDD (Tefecommraricatiom Device for the Oea~ aaaisfarrce, call 1.800347-7440. Discover maY monitor erdla record tel~hone cabs belvvaen you end Discover represerrla%vestor qua%ly assurance purposes. The D~coverv card is issued by Discover Bank, Member FDIC. O1T13K064 losing Date: KENNETH GENTRY DISCOVER Se tember 1 T, 2085 Account number ending in 9139 page 2 of 2 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: October 11 Balance Previous Cashback Bonus Award Balance $ 41.58 Purchase Award This Period + 0.26 Cas c Bonus Award Tota 41.84 Cas6bacic Bonus Award Balance Award Available to Redeem 41.84 $ 40.00 Restrictions apply to the Cashback Bonus Partr~ar offers visit Discovercom or oa { 1-800~DISCOVER (1-800347-2683) for details. For program details, see the Cashback Bonus f rogram Terms and Co~itions. ~- -- -- =^~- - ~ r- New Balance DISCOVER' $3,28.83 11 SDSNfiA01 0013599 KENNETH GENTRY 22 ASHBURG DR MECHANICSBURG PA 17050-8203 Minimum Payment Due Account Number ending in 9139 $116.00 Enter Amount Enclosed Below Payment Due Date November 10, 2005 Please make check payable to Discover Platinum Card or pay online ~ Discovercard.com. Text APP to DISCOV' to receive a link to our tree mobile app and pay your bikl in seconds from anywhere! PO BOX 71084 {IIrullrrrrrr{turf{Irrld CHARl.07TE NC 28272-1084 Address,a-mail ortalephonechangeBPrintchangeinapace lir(r{(r~~rir{r{~rir{irlrlrrrll~~irr~ii{ri~irllulrr~rr~r~ir{~ above, or go ro Discover.com. Print your e-mail address ro receive important A«ount information and special offers. OOOOOZ98b458932953553052188300000000011600 .~. Discover Platinum Card Account Summary Closing Date: October 11, 2005 page 1 of 2 Account number ending in 9139 Previous Balance $4,747.29 Payment Due Date November t0, 2005 Payments And Credits 146.00 Minimum Payment Due $1 16.00 Purchases + 507.22 Credit Limit $6,600.00 Cash Advances + 0.00 Credit Available $1,381.00 Balance Transfers + 0.00 Cash Credit Limit $3,400.00 Finance Ch s + 110.32 Cash Credit Available $1,381.00 New Balance = 5,218.83 You may be able to avoid Periodic Finance Charges, see the reverse side For details. Cashback Bonus® Opening Cashback Bonus Balance $ 41.84 New Cashback Bonus This Period + 5.07 Redeemed This Period - 40.00 Cashback Bonuses Since Anniversary Month Cashback Bonus Balance $ 6.91 October: $41.41 Cashback Bonus(R) is America's #1 Cash Rewards Program) FuN 5% Cashback Bonus on Get More purchases in popular categories throughout the year and vp ro 1%Cashback Bonus on all your other purchases. How Can We Help You? 1 Visir Discover.com ro pay your bil for no cost, view your Latest Account information, cam and redeem rewards and more Itrs your choice - 3 ways to help 2_ Call 1-800,DISCOVER (347-2683) For feat, easy self-service Please have our Discover Card available. options or fo speak with a Customer Service Account Manager y 3. Write us at Discover Card, PO Box 30943, For 700 (assistance for hearing impaired( see reverse side Salf Lake City, UT 84130 Transactions $0 Fraud iiabiliy Guarantee Use your Discover Card with conkdence. ~s. Data Payments and Credits Oct 7 Oct 7 INTERNET PAYMENT • THANK YOU $ •106.00 Award and Kebab Crodits Oct 7 Oct 7 REWARD REDEMPTION CREDIT -40.00 7r~avsl/ErrMerlairment Sep 19 Sep 19 M.S. VIC70RY MIAMI F!. 507.22 Information For You 8alanee Transfer offer for current billing period: Daily Periodic Rate: 0.02712°/; corresponding ANNUAL PERCENTAGE RATE: 9.90%. Rafe is subject ro the terms of the offer including expiration. Hay, Juniors) We are searching for outstanding high school juniors to apply for the Discover(R) Card Tribute Award(R} Scholarship Program. Scholarships will be awarded ro high school juniors who have excelled beyond academics. To find out more, visit our website at wvaw.Discovercard.com/tribute.htm. Auto Bill Pay is Discover(RJ Card's free service for paying your bills. Phone. Cable. Subscription services. And more. It's a great way to save time while building your Cashback Bonus(RJ. 7r - Important tnformagon K there is more than ore page m Uris b~btg s~lemed, see the back of eadt page fa adrFtiaul impodant intarrtatidt. o See your CardmemberAgreemenl You CardmemberAgreement contains ag the terms of ytwr Acootrnt ~ z Lost or stolen cards. Report imrtrediatelyl Call 1.80Q347.2883. D 0 Biging Rights Summarx In Case of Errore a QuestiatsAbota Your ~i: If you tlinlc your big 6 vvtrong, a if yar need more idomlation about a Dansactron on your tai, write us on a o stRtarate street d paper at Discover, PO Bea 90421. Sak take City, IJf84130-0421, as srwn ss posskle. We mrsthear Iran you m Eater than 60 clays aPlar we sent you the Srst tips on NAictt the erroror problem appeared. Yau can telephone tie, but doktg so wit nd preserve yaw rights. h you letter, give us the fogavlarg information: N • Your name and Accamt nurnba. ~ • The dotiar amoud of bra susEtected error. • Desai~ the errs and explain, i you can, vAry you Detieve tltwe is an error. Nyou need more information, desexiDe the itarr you are unsure about. You do trot have b pay any amount in question whie we are irtvesligatirg, but you are stilt obligated to pay 8re parts d you tag that are not In question. Whie we investigate your question, we camel repel you as ddktgtrent brtaite any action W aolkct the amount you questbrt. Special Rule tar Credit Card Purchases: If you have a prahlam with Ute quality d goods a services brat you puchases with a credit card, and you have tried in good fai0r to carted the prdaem with the merdunt, you may not have b pay the tentairarx,! amount due an the good a services. You have gte protedron curly when the purchase price was more than E50 and the purchase was made in your home stale a wigdn 100 miles d yarn mating address. (If we own a operate the merchant, a'd we mailed you the advertisement fa the goods or serv>xs, ai purchases are covered regardless d the amount a bcation of purchase,) Payments. Send only your Payment ant the top portion d this slatemerd kt the enveope provided. Do not nerd cash. By sertdrtg your check as desa~ed atwue, you authorize us to use information an your check b make an electrorc fund transfar from your account ai the tarendal institution idicated on your check or to praess the payment as a check dansaciion. If paymem is processed as an electronic fund transfer, 8re Irenster wit De fa the arrorwtt of Nor ctreck. When vve use informafwn from you check to make an electronic fund transfer, funds maybe withdrawn kom you account as soon as the saute day we receve your payment, and you will not receive yow check back from your finandat institution. The processing d your payment may be decayed if you nerd cash, correspondence a other items vdth your payment, if you send the payntertt ro any other address or if you use an envelope oltrer than the are provided. Payments receivad'm proper Corm at our processng faciiry by SPM local tlrrre on any day vN t>e aerated b yourAccarnf as a that day. Payments received d our processing fealty after 5PM bcal lime wit be credNed GO yourAboount as d lire next day. if you have misplaced yotr envekrpe, send your payment to Discover, PO Bux 6703, Carol Stream, IL60197-6103. Please Mbx 7-f0 days to delivery, if your payment ~ rekaned tnpaid, we restuve the right to rtrsubmb b as an electrons debb. You ran pay your minirwm payment or a greater amount of the klephone, and you can set up aukxnatk payments. Gag us al 1.800.347-2ti83. You wA treed this statement and your bank acwunt afamatan. You must ensure that suffident fords are avaalabie rtr your bank acebunt, and erg iransactiars must canply with VS. law. You wig be asked 1o provide the firs) 5 digits of your account statement ZIP code. 8y entering Ntose numbers as yow electronk: signature, you wit be agreeing N this aWhor¢aDon to albw us and your bank to deduct each payment yw authorize from you bank accamt, and to inif'rale delrit a aedil enhies to you hank arxx,um, as appkcalae to coned an error in the processing d such paymem.'(ou must Ie11 us the amount of each payment, or you can select an amount such as the Afinkrarm Payment Due a the New Balance on each statement You can cancel a payment however we must receive noGCe at least three business days in advance of Ure scheduled payment. You may notify us by phone at 1.800J47-2683 a by mat at the address listed in the previous paragraph. if your paymens may vary in amount, we it leg you on eadt mortlhty statement when your payment wit be made and taw much it wit be. Your Autanatic payment amount ~. maybe less etas irdicated on the mon8dy statement based on amts a payments applied dutirrg the bik~g cyder. CredN Reporting. We may report information about your accava b ae~t bureaus. Late peyr+ronls, missed paymrenLS, a other defaults on yow account may be regected in your credit report. We namagy report the staNS and payment history of your Accent to aedN repod'mg agendas each month. It you believe That ow report is inacaxate a irxbmplete, please write us at the fogowinq address: Discover, PO Box 15316, Wtgrangtm, DE 198505318. Please itrdrde yow name, address, home telephone number and Account number. Periodic Finance Charges. Except as provided below, tw will impose Periodic F;nance Charges on purchases, cash advances, acct balance transfers bet~nning with the date the Uansaclion occurs until Ute date d repayment and on Old Balances unfit the date d repaymeN. Ok! Balances are comprised of either purchases and cash advances made on cr prat to Ure last day of your biflalg period ending during February 1993 a Reserve Line balances. Yau can avod payment of Pedodic Flnarroe Charges on new purchases b you pay the New Balance shown on the hglk~g statement on which the purdtase fxst appears by the Payment Due Date, and the Payments and Credits on the statement erpral or exceed yow Previous Baance. We call tlas the °grace period'. You do rat have a grace period on balance transfers a rash advances. Periagc Finance Charges are imposed on new !>ntartce transfers and cash advances begimirg vrigt gra date the transaction occurs, Perieckt Finance Charges are imposed on aA transactions ems tyd Balances urdi the dale d rePaYmarR. Repayment means payment d your enlxe New Balance. Nawever, if Y~ PaY the New BaWrtce sltovut on ices biting slalemeM by the Payment lHre Gate, and the Peymertts and Credits shown an Ws slatemertl equal a exceed the Previous Balance, we will trot impose Periorc Finance Charges on crow prud>ases, Ihat is, purchases krst appearing on fhfs statement H yourAccotntwas cbsed as d September 27,1999, you can avoid payrrrent of Penacfic Finarrce Charges if you perry the New Baprrce shown on Etas Statement by the Payment Due Date and the Payments and Credgc on this statement equal a exceed your Previous Ba~rrce. Odrerwise, you wig receive a bang stalerrrnt next momh that includes Perlar8c Finance Charges imposed unto the date of repayment. We cbrtrpute Periods Finance Chruges each day fa puruvteses, cash advances, befarlce transfers end Old Balances (wtactt we refer to as transaction catogaries} DY using the following equatron: Average Daly Balance x number d days in the bi&rg period x Daly Fetlocks Rate. (Refer to the finance charge summary on the front of ycwr statement fa these amounts.) Then we add all the Periods Finance Charges Far each fransaclan category to get the toW Periodic Frtance Charges fa your Account, TheAverage Dagy Balance is shown as O;f no Period(c Finance Charges apply m the balance in a transaction category. We use die Average Daffy Balance (indtxkrg clew Dartsactians) method of calculating the hafante upon which we 4npose Periodic Finance Chazges. We otxnpute ice average dairy t>atartce to each Uarrsaction rztegory by addrrg up ai the daffy balances in a biWng perod fa a transaction category and dfvidrtg the total by the number of days In the oiling ryde. We camerae the Baby balance fa each transaction ptegary on eadt day by first add'itg the fogavAng b the previous day s daffy balarrra: irarrsauliars made that day, tees charged that day, and Periodic Flnarrce Charges aarued on gte previous days daffy balance; and by Then subtradirg arty aedis and paymerds Ihat are applied s~inst the balance of the hansaction category on that day. Old Balances are excluded kom the balance d Ure purchase and rash advance trartsedion categories. Specal rate balance transfers amt Baance Transfer Transactikn Fee Finaruz Charges are inducted in the derby balaztta trartferlrensactiort gtegory 8elautce hansfers that were subject to an irahat apedal rate that has been tenrrkrated due to a late payment are also inducted Ih the category urtil the initial speeia> rate ofiterwlse would have expked. In cakwlarng the daffy 681artce of the palance transfer transadan category on the flrst day of the tak:rg period, wa subirect 8re rarpaid ba~nce d twee Balance Transfer TraresaG4on Fee Firranos Charges and balance transfers that become pwchase rate balance transfers on that day and we add that unpaid balance b the balance d the purchase transaction category. Ali fees charged m yarArmun[ are added N Me purchase tansaction category with the exc~tiort of Cash Advance Transaction Fee Finazuz Ciwrges wtadt are added to the cash advance Uansaction category and Balance Transfer Trarrsattion fee Finance Charges which are adtled b the balance transfer transaction category If a transaction made in a prevous bi0ng period is ilemaed on this statement, we catsider dte Irertsad'an data b be the ksi day of the arrant bNig pedod when we cakxrlate your periorkc Finance Chazges. For TDD (Teleoommrmk:aNons Device for the Dea4f assistance, oa111A1W-947 7449. D'ismver may madta' andla record telephone calls between you and Discover representatives for quality assurance purposes. The Discover" card is issued by D33oover Bank, Member FDIC. O1TBK~4 DISCOVER R ~~~`'~n~ Ac ount number ending in 9139 ~~SC Announang Pending Transactions! You asked, we listened. Cardmembers can now VteW pen Ing ,.;,,,,;:~;;,;.R:;r;%,na~-,;- tronscutions online! ~r -= t; Check your purchases in reakime to stay connected to your account .:r ~ like never before either online or using your mobile device. '.L;i; In t0 t QCCOUntat Discavercom from our to or ~~- ~~"' 1~ Y PAP ,. your mobile device arxf see for yourself! ®2oi 2 a>w~, eQ,k r Fotc Dosing Date: October 11, 2005 page 2 of 2 Finance Charge Summary Nominal Average Daily ANNUAL ANNUAL 7ronsaction Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE pNANCt ~~ Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases 85164.20 0.07121 % 25.99% V 25.99% 3110.32 SO Cash Advances 30 0.07121 % 25.99% V 25.99% SO SO The rates that apply fo your Account are either fixed (Fi or they may vary IV) as noted above. QUeStIOnS? Manage your account at Discover.com or call 1.800-DISCOVER j1-800-347-2683. DISCOVER New Balance Minimum Payment Due Account Number ending in 9139 $5,219.11 5116.00 Enter Amount Enclosed Below Payment Due Data December 10, 2005 Please make check payable to Discover Platinum Card or pay online ~ Discovercard,com. t t SflSN8A01 0013600 KENNETH GENTRY 22 A5HBURG DR MECHANICSBURG PA 17050-8203 Address, e-mail or telephone chongeZ Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. Text APP to DISCOV' to receive a Ilnk to our free mobile app and pay your bill in seconds from anyvfierel PO BOX 71084 Illurllnnnllnslllnlrl CHARLOTTE NC 28272-1084 I„I,II„I„,I,11,,.I.,I~I„~IIII,,,I„I„I~,II~ ~ I„I„I,I„II 000001986458932953553052191100116000011600 Discover Platinum Card Account Summary Closing Date: November 11, 2005 page 1 of 1 Account number ending in 9139 Previous Balance $5,2}g.g3 Payment Due Date December 10, 2005 Payments And Credits i 16.00 Minimum Payment Due $116.00 Purchases + 0.00 Credit Umit $6,600.00 Cash Advances + 0.00 Credit Available $1,380.00 Balance Transfers + 0.00 Cash Credit Limit $3,400.00 Finance Chwgss + 116.28 Cash Credit Available $1,380.00 New Balance a $5,219.11 You may be able to avoid Periodic Finance Charges, see the reverse side #or details. Cashback Bonus® Opening Cashback Bonus Balance $ 6,91 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 6.91 C6shbdck Bonus® Anniversory - Month: October Cashback Bonus(RI is America's #f Cash Rewards Program! Full 5%Cashback Bonus on Get More purchases in popular categories throughout the year and up to 1 %Cashback Bonus on oil your other purchases. How Can We Help Yoe? 1 • Visit Discevereom ro pay your bil far no cost, view your latest Account information, earn and redeem rewards and more 1t's your choice - 3 ways to help 2. Cail 1.800-DISCOVER (347.26831 for fast, easy selFservice Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TOD (assistance For hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Satt lake City, UT 84130 Til'anSaCtionS $0 Fraud Liability Guarantee Use your Discover Card wirR confidence. Trans. Post Date Date Paymenta and Crodib Nov 10 Nov 10 PAYMENT -THANK YOU $ .116,00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rote: 0.02712°k; corresponding ANNUAL PERCENTAGE RATE: 9.90%, Rafe is subject to the terms of the offer including expiration. Finance Charge Summary Average Daily Nominal Transaction ANNUAL ANNUAL periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FMIANCE ry~~ Balances Rates RATES _ RATES CHARGES CHARGE current billing period: 31 days Purchases $5267.47 4.07121°/ 25.99% V 25.99% $116.28 $0 Cash Advances $0 0.07121°,6 25.999'° V 25.99% $0 $0 The rates that apply to your Account are either Fixed (FI or they may vary (V) as noted above. -~~ ,- - ~ err- -- -- -- ~ ~- _ ._ . Important InfortnaUorL If ifr@re ie more than are page b this billing statement, see the back of each page for additanal gnportant inknna4on. rn See your Cardmember AgreenreM. Your CardnremberAgreement comains ~ the terms of yoaAccoun4 Z Last or stolen cards. Report kmredinlely! Call 1.800.347.2683. y 0 BNling Rights Summary. h Case of Errors a OcastiarsAbout YaeR BNI: If you Dank your bfll is wrong, a'd you need more information about a transaction an your bit, write us exr a o separate sleet d pier at Discover, PO Box 30421, Sa{t Lake Cily, uT 8413t}At21, as soon as possible. we must freer trap you no Ialerttrerr 60 days e6er we sent you the first bRl on ~ which the error a problem appeared. You can telephone us, bd ddrrg so wit rat preserve yes rights. In year letter, give us the totlovving krlontlation: W ' • Your name and Acrntrnt number ~ • The dolinr amount d the suspected errs. ° • Desufbe the error and explain,d you cen, why yew be8eve there is an error. If yW need more information, efesexibe the item you are rmsure about. You de nd !rave b pay arty amount h question whNe we are Investigating, but you are sOTI obNgated b pay the pads of your biN that ore nd ~ queston. Whie we kwesQgate yogis cp~estion, we caaat repot yw as rlelitquent fir take any action to adlect the amount you question. Special Ruk fa Credit Cvd POrehases: It you have a problem with the quaNy of goods a services that you pturdtases with a aeckt card, and you have tried in good faith b cenect the problem with the merohani, you may not freee b pay the remaitarg amount due on the good a services. You have Iha protection only when the pureirase price was more than 350 and the purchase was trade in your bane state awithin 1110 males d yrnr mailing a~ress. (if we own or opaaie the merdtant, a'rf vre marled you tta adveAisemenl for the goods or services, aN purctrases are covered regardless d the amount a location of purchase.) Payments. Send ray your peyrnent and Ow top paver of lies statement in the enveope provided. Do rat send psh. By sertding your check as described above, you authorize us to use iMormation on your sheds b make an ekctranicfund harrsfer tram your aocourd at tlreirnandal institution irvJiceted on your check a b process the payment as a dredc trarrsaclan. if payment is processed as an electronic fund transfer, the transfer wrA be fa the amount of the ctredr. When we use information from your drear to make an electronic fund transfer, funds maybe wNhdrawn hom you accotmt as soon as the same day we receive your payment, and you wiN nd receive your check back from your finandal institution. Tire processing of your payment may be delayed tl you send rash, caresporrtlence w other !ems vntlt your paymerrl, if you send the payment to any other address a'rf you use an envelope other than fie tine provided. Payments received 4n proper form of orx processing tasty by 5PM beat tkne on arty tlay will be uedked a your Account as of that day. Payments received at our processing taciity elver 5PM oral time wit be credited b you Acmunl as d tlw next day. tl you have misplaced your erwebpe, send your paymerd to Discover, PO Box 6103, l,arol StreamJL 60197-6103. Please aNow 7-ip d to deNv If our ays cry. y payment is rearmed unpaid, wee reserve the right b resubmit it as an electrorac debt. Yau can pay your minimum payment a a greater amount d the telephone, and you cen set w aulomafrc payments. Ca0 us at 1-800.347-2683. You will need this statement and your bank eccoud inbrmaNon. You must ensure that su8'rdent funds are available in yrour bank acoount, and all transactions must comply with U.S. law. You will be asked b provide the Grst 5 digit of you account statement ZIP code. BY entering those numbers as your electronic signature, you wit be agreeing fo this authorization to albw us and your bank to deduct each payn>enf you authorize Gam you bards acoount, and to satiate debit a uedil entries to your bank account, as applicaNe to corcect an error in the processing of such payment You must ter I us the amoorrt of each payment, or you can select an amount such as the hRinirrx8rr Payment Due a the New Balarae on each statement. You can cancel a payment, tavrever we must receive notice at least three business tlays in advance of the scheduled payment. You may rrotity us by phone at 1.800347-2683 a by mail at the address listed in Oa previous paragraph. If your payments may vary h amount, we dl tetl ya on eadr monthly statement when your payment wit be made and Mw much it wit be. Your Automatic paymerd amount may be kss than indicated on the monthly statement based an aedis or payments applied during Oro bilkng cyde. Credit RepoAing. Vye may report inlonrration titres your aCceernt to aedit bureaus. Late payments, massed payments, a other defaults on your account may be re0eded in your uedi report. We nomu~Iy repod the slaws and payment history d yaurAacount b uedit reporting agendas each month. Ii you beOeve ifrat our report is kraccumte or incomplete, please write us at the following address: Discover, PO Box 15316, tKrimingbn, DE 19850-53f6. Please indude your name, address, home telephone number and Aaount number. Periodic Finance Charges. Ezcept as provided below, we will impose Periodic Finance Charges do purdrases, cash advances, and hafance :ransfers beginning with Ute date the transaction occurs until the dale d repayment and on Ofd Balances until the date of repayment. Old Balances are comprised of either purchases orb Dash advances made on or Aria to tine last day of your biq'arg period eneNng during Februory 1993 or Reserve Line balances. You ran avoid payment d Periodic finance Charges an new padrases it you pay the New Baance shown on the inNing slakmenl on wtach the purchase first appears by the Payment Due Date, and the Payments and Credds on the statement equal or exceed your Previous Balance. We ceN tlas tlre'gmce period". Yau do rat have a grace periat on balance tmnsters a cash advances, Periodic Pittance Charges are imposed on new balance banslers and cash advances beg'rrtarrg with the dale Ne vansactlon scars. Periodic Frrance Charges are imposed on al transactions and Old Balaraes urdil the daee of repayment. Repayment means payment d yow entire New Balance. However, if you Pay Ole New Balance shown on the baling statement by the Paytr~nt Due Date, and Nte Paymwas and Credits shown an tltts statement equal a exceed the Previous Balance, we vvNl not impose Periodk Finarae Charges on new ptrchases, that is, purchases frsi appearing on this statement If yourpocount was closed as al Septercarer 27,1999, you can avoid payment of Periodic Finance Charges O you pay the New Balance strovar on This Statement by the fsaymem Oue Dale sat the Payments and Credits m Otis statement equal a exceed you Previous Balance. Otherwise, you witl receive a bNBrrg sbzlerr'ent held month chat irtduefes Periodic Filarrce Charges knposed aria the date of repayment. We tampute Pariadlc Finance Charges anch day fa pruthases, cash advances, balance transfers end OW Balances (wladr we refer to as transadiat cetecpries) by using the foibwing equa6orr: Average 0.niy Balance x rwmber of days in the bi6rtg paiod x Daly f'erbdic Rate. (Refer to the Anaace charge surrvnary on the front of your slai0ment fa dtese antounls.f Then we add till the Periodic Fmance Charges fa each Irensaction category to get the total Periodic Finance Charges to your Accoum. The Average Daly Balance is shown as 0 if no Periodic Finance Charges appy b Me balance in a transaction category. We use the Average DaNy Balance (krckrdirg new trarrsactlons) metlrod of calctrlaGrg the balance upon vAach we impose Periodic Finance Charges. We canpute the average daffy balance br each trarrsac8ar rategoty by adding up a8 the dairy balances h a baling period for a trarrsactlorr category end dviding the btal by the nrenber d Sys in the bitlirg cyede. We cargub the daffy balance for each transaction cebgory on eadr day by fast adding the bowing to pre previous day's daly bedance: hanaad'ans made that day, fees charged that day, all Periodic France Charges accrsred an the previous day a dmly balance; and by flan subtracOrg arty ued0.s and payments Orat are applied againstthe balance t>f the transaction category an that day. Oki Balances are exdudad ban Ore balance of Ore purchase and cash advance transac0at categories. Special cafe balance transfers and Balance Transfer Tratsectiat fee Fitarx~ Charges are inducted in the dint' balance trarrster barrsaction category. Balance transfers thatumere subject b an icaliai spedal rate that has been terminated due b a late payment are also irrduded in the category until the etRint spedal rate otlrerwbe would have expired, In cakxrbUng the dally balance of the balance transfer transadan category on the first day d the bikrg period, we subtract the txrpaid balance d drone Balance Trar>sierTrensac6ar Fee Finance Charges and balance transfers That 6eoome purchase rete balance trareters on That day all we add that unpaid balance b the balance of the prrchase transaction cetegay. AN tees charged b yoaAooount are added to the purdrase transactrorr categorywdh the ezcepdott d Cash Advance Transaction Fee Finance (2targes wlaedr are added to the cash advance iransaedion category and Balance TratuRer Transaction tae France Charges wArkh are arided b the balance trarrster transaction category. O a trarrsactiorr made in a previous filling period is hemized art ties staterrrenL we carsider the Uansaetion date b be the first day of the current billing period when we calculate your Periodic Finance Charges. Far TDD ITelacommunkatitms Device fa the Dent) assistance, call 1.80D•347.7449. Discover may mania ardlor record telephone caOs between you end Discover representatives for qualay assurance purposes. The Discoveer®card a issued by piscover Bank, Member FDIC. O1TBK064 New Balance ~ISCOVER~ $5,215.51 Minimum Paymerd Due S116.00 ~ Account Number ending in 9139 Errfer Amourrt Encbsed Below Payment Due Date $ ~- January 10, 2006 please make check poyyoable to Discover Platinum C d l ar or pay on ine ~ Discovercard.com. 11 SDSN6A010013601 KENNETH GENTRY TextAPP to DISCOV• to receive a link to our 22 ASHBURG AR free mobile app and pey your bill in seconds from anywtlerel MECHANICSBURG PA 17050-8203 PO BOX 71084 (llrrrlluurrllrrrlllsrlrl CHARLOTTE NC 28272-1084 Address,e•mailortelephonechange2Printchangeinspaca )r~l~ll~~lr~~li~~rirlrilr~ur~lllnr~~r~~~l~~l~ir~~r)i~)rlrr~l above, or go to Discover.com. Print your email address to receive important Account information and special offers. OD0001986458932953553052155100000000D11600 Discover Platinum Card Account Summary Closing Dais: December 11,2005 page 1 of ] Account number ending in 9139 Previous Balance $5,219.11 Paymen- Due Date January 10, 2006 Payments And Credits - i 16.00 MinlmumPaymeniDue $116.00 Purchases + 0.00 Credit Limit $7,600.00 Cash Advances } 0.00 Credit Available $2,384.00 Balance Transfers + 0.00 Cash Credit Limit $3,900.00 finance Charges + 112.40 Cash Credit Available $2,384.00 New Balance $5,215.51 You maybe able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 6.91 New Cashback Bonus This Period + p, 00 Cashback Bonus Balance S 6.91 Cashback 8onus~ Anniversary Month: C>ctober Cashbook 8onus(RJ is America's #1 Cash Rewards Program) Full 5% Cashback Bonus on Get More purchases in popular c~teggones throughout the year and up to 1 % Cashback Bonus on alt your other purchases. How Can We He! YOU? t • Visit Diseover.com to pay your bt11 for no cost, view your P Ialest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347-2683) Far fast, easy selfaervice options or to speak with a Cwtomer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For FDD )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 Dots Dale Paymenh and Crodih Dec 9 Dec 9 INTERNET PAYMENT -THANK YOU $ .116,00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.02712%; corresponding ANNUAL PERCENTAGE RATE: 9.90%. Rate is subject to the terms of the offer including expiration. Finance Chorge Summary Nominal Transaction Average Daily ANNUAL ANNUAL periodic Fee Daily Periodic PERCEMAGE PERCENTAGE FINANCE FINANCE Babnces Rates RATES RATES CHARGES CtfARGES current billing period: 30 days Purchases $526 i .75 0.07121 % 25.99% V 25.99% Cash Advances $0 0.07121 % 25.99% V 25.99% $012 40 ~0 The rates that apply to your Account are either fixed (F} or they may vary (V} as noted above. --r- - Important Information.lf There is more Than one page to Rtis br~rtg etatemeM, seethe bade of each page fa addtional important informaton See your Cardmentber Agreement Your CardmembaAgreement mntakts aft the temts of yowAccourt[ Lost a stolen Ards. Report immediatery! Cali 1.800.347.2683. B98ng Rights Summary. In Case nt Errors a Orresftats About Yaw Bell: Ryou Dunk your bi is wrortg, a d you need more infamalion about a tansaction on your bill, write us on a separate sheet d paper M Discover, PO Box 30421, Sall Lake Gy, Ui 84130-11421, as soon as poeshle. We must tkar kom you rq Wterthan 8g days after we sera you fire frost MR on which the ens a prr>Mem appeaed. You can teleplarte us, fwt doing so will not preserve your rights. In your feller. give us the following inormation: • Yar name arM ACCOUtI number. • fie dollar aritouM of the suspected error. Describe the errs and explah, it you can, why you beYeve Utere is an error ft you need rttore information, descdbe the Item you are urtsure about, You do na have to pay arty arttotatt in question while we are imestigaung, but you are slip omfgated to pay the paAS of your hY Ifgt are Trot in question, While we irnes6gate your question, we cannot report you as detingrxyrrl a take arty adios to called Rte amorxrt you question. SPSCial Ruie for Credh Card Purchases: tf you have a problem wiM the quakty of goods or services that you pundtases with a cmdR card, and you have Died h good faith to correct the problem with the merchant, you may not stave to pay the remairurg arrtoum due on the good a services. You have the pralec0on only when the purchase price was mere than $50 and the purchase was made in your bane state or wstin 100 axles of your madhg address. (R we own a operate the merchant, or Rwe mailed you Rte advertisement Tor Rte goods a services. aY ptrrcheses are covered regerr8ess nt the amitnt m location nt purchase.) Payments. SerM only yar payment and the tap patiat of this statement n the envekrpe provided. Do not send cash, By sending your check as described above, you authorize us to use iMormaRon ext your chadc to make an electronic hind tansfar from your accarnt at Rte financial insttution irxRr~ed on your check or to process Rte payment as a check transaction. If payment 5 processed as an efectronz fund transfer, Rte tarsier well be to the amount of the cfcedc. When ore use hfonnation from your check to make an electrank hmd transfer, funds may be wittntravm from you account as soon as the same day we receive your payment, and you wiq not reveire your dick bade from you fnancial institution. The processing of your payment may be delayed if you send cash, correspondence a other items with your payment, if you send the payment b any other address a if you use an enveope other than the one provided. Payments received in proper tam at ow processing fadlsy by 5PM brat time on any day wsl be credited m yourAccoatt as of that day. Payments received at our processing fadlsy after 5PM ltxal Rme will be credited to yowAocount as of the nett day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103, Card Stream. !L 60197.6103. Please albw 7-t0 days fi deYvery. R you payment is rdum~ unpaid, we reserve the right b resubmit it as en electronic debit You can pay your mhimum payment a a greater amount of the telephone, and you cen set up aulomalic payments. Coq us at 1-800-347-2683. You well need tfiis statement end your bank account intormalbn. You mint ensure that sutacient lands are available in yaw bank aaounl, and all transactions must cortply with U.S. law_ You wsl be asked W provide the f rst 5 dtgts of your acraunt statement ZiP code. By enterhg Rase numbers as your electrattic sigttattxe, you wip be agreektg to ills arrRtorizafron to aYow us and yaw bank to deduct each payment you aulhor.ze tram you bank account and to initiate debd or cred'd entries to your bank account, as aGtplirable to correct an error in the processing of such payment. You must tell us the amount of each payment, a you can select an amount such as the P.4inimurn Payment Due or the New Balance on each slalement. You can cancel a payment, however w.e must receive notice at least three business days in advance of the schstlt6ed payment. You may notify us byphone at t-800,'147-2683 or by mad at the address listed m the previous paragraph. If your payments may vary h amount we ill tell you on each monthly stakment wtren yaw payment wr8 be made and how much s vvdl be. Your AulomaRc payment amount may be less than sxfipied on the monthly statement based it aedts a payments appled during the bdlhg cycle. Crertit Reporting. We may report intimation about youraocount to aedk bureaus. Late paymert~, mksed payments, idhar delatdts on yaw account may be reflected h yaw credit report. We rormaRy report the status arnf payment Ftistiy of yowA.cwtmt to credit repaflrrg agencies each month. If you believe Rrat our report is macerate a incomplete, pleas write us at the following address: Discover, PO Box 15316, Wilmington, DE 19850.5316. Please inckrde your name, address, home telephone numtcer andAcceunl number. Periodic Finance Charges. Excapi as provided belovr, we will impose Periodic Finance Charges on pumttases. cash advances, and balance tmnsfers beghnirtg with the dale the uansadion occurs until Rte date of repayment and on ~d Batartces unRi the date of repayment. Oki Balances are comprised of eiRta purchases and rash advances made on or prior to the Iasi day of your being perod ending during Fefuuary 1993 a Reserve Line balances. You can avoid payment of Periedic Finance Charges on new pucchases R yW pay Rte New t3aWnce shown on the bRlirtg sWiement on which Rte purchase flrsl appears by the Payment Due Date, and the Payments and Credits on the statement equal a exceed your Revlous Balance. We wY lids the "grace period". You d0 not bare a grace period on balance transfers or cash advances. Periodic Fhance Charges are imposed on new balance transfers end cash advances begktning with the date the transitctbn occurs, Periak Fnarxx: Charges are imposed on all Iransadiorts arM Old Balarkes rr~ Rte dale of repayment. Repaymrertt means payment elf your entire New Balance. Hanauer, it you pay the New Rotorua shovm on uus bitting statement by the Payrr~M Due Date, end the Payttterl~ and Credits shown an ittis statement equal a exceed the Prevaus Balance, we wR not krpose Periaflc finance Charges on new ptrrdsasea, that is, purchases first appearing an 1Ns slalemenL R yowAcmurttwas cbsed as of September 27,1999, you pn avoid payment of Periodic Finarrce Charges Y you pay Rte New Balance shown on This Statement by the Payment Due Date artd lire Payments and Cretflls on fills statement equal or exceed your Prevbus Balance. Othenrise, you will receive a belting slalement rrezt month Rtal hdrrdes Periodic Finance Charges kt>posed unlit the date of repayment. We mmptae Periodic Finance Charges each day fi pradtases. cash advances, balartca transfers and Old Balances (which we refer to as tmnsadan categories) by using Rte follovarg equation: Average Daly Balance x n'mrber of days h the billing p.:ricx! x Dagy Periodic Rate. (Refer to Rte flrtance tdtarge summary on 11>e rronl of yrour statement for these amounts.) Then we add aq the Periodic Finance Charges fa each transaction category to get the total Periodic Fhance Charges to yar AcowrtL The Average Daily Balance is shovm as 0 s rro Periat5c Fnarue Charges appry Eo the ba~nce in a trartsardion category. We use theArerage Daly 8alerrce (irtdudhg new transaetions) meRad of rakulating the t>ehrue upon wftidt we impose Periodic Finance Charges. We compute the average daily balance for each lransacRon category by adding up all Rte deify balances in a biRktg period fa a transaction category std dividing the tote! by the ntxrrber d days h the trltirtg cycle. We: compute the daAy balance kr each transaction category err eadt day by fist addng the folbwtrrg to the prevous day's daily batatce trartsacRons made That day, fees dlaged that day, and Periodic Finance Charges accrued on the previous day's daffy balance, and by Men subtracting any iedRs and payments that are applied against the balance of the 12nsaction category on IAat day. Oki Balances are excluded ham the balance of the purdtase and cash advance tratsaction categories. SpexiaE cafe balance transfers and Balance Transfer Transadiat Fee Finance Charges are itduded h the lardy baiartce transfer tansaction category. Balance transfers Rat were subject to art iniGaf special rata that has been terminated due to a late payment are also included h Ste category until the iMtld special rate dhenvise would have expired. In cakrrlaRng Rte dagy balance of he balance transfer traruacGon category on the kst day of the biWrg prrdad, we srrNmd the tmpaid balance of Rtose Balance Transfer Transaction Fes Finance Chagas and balance transfers lttat became pruchase rate balance transfers on that day and ore add that unpaid bakrrce to the b~artce of the purchase transac8or4 category. Alt fees charged to yourAccount are added to the purdtase fraM198di01t category whh the exception of CeshAdvance Transaction Fee Finance Charges whidt are added to the cash advance transaction category and Balartoe Transfer irartsacYa, Fee Fhartce Charges vArich are added b the balarge transfer bansatdiat ptegory. R a transacRort made in a previous biting parfait is ifem¢ed on Ous staterrtent, wa consider the tmnsadion date to be the frost day of the anent biDrtg period when we cakulale your Periodic Finance Charges. Fa TDD (Trclecommunications Device forthe DeaQ assistance, coil 1.800.347.7449. Discover may monitor andlor record teleptone case behveen you and lkscover represeMat'rres (or quaRry assurance purposes. The Discovery cad is sued by Discover Bank, Member FDIC. ~ 05TBK064 -1 DtSC~VER' New Balance Minimum Payment Due ~ Account Number ending in 9139 $5,215.71 $116.00 Enter Amount Enclosed Below Payment Due Date February 10, 2006 pl~~ make check payable to Discover Platinum C d ar or poy online ~ Discovercard.com. t1 SOSN6A01 0013602 KENNETH GENTRY TextAPP to DISCOV` to receive a link to our 22 ASH BU R G D R hee mobile app and pay your bill in seconds MECHANICSBUR6 PA 17050-8203 From anywheret PO BOX 71084 Illrrrl6rrrrdlrrrlllrrLl CHARLOTTE NC 28272-1084 Address,a-mail ort~ekpfwnechangei3Printchangeinspace Inlrllrrlnrlrllrn~rrlrlrnllllnrlrrlnlnllrrlrrlnlrliill above, or go to Discover.com. Print your earrail address to receive important Account information and special offers. 000001986458932953553052157100000000011600 Discover Platinum Card Account Summary Closing Date: January 11, 2006 page 1 of i Account number ending in 9139 Previous Balance $5,215.51 Payment Due Date February 10, 2006 Payments And Credits - 116.00 Minimum Payment Due $118.00 Purchases + 0.00 Credit Limit $7,600.00 Cash Advances + 0.00 Credit Available $2,384.00 Balance Transfers + 0.00 Cash Credit limit $3,900.00 Finance Charges + 1 i6 20 Cash Credit Avaihble $2,384.00 New Balance $5,215.71 You maybe able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonuse Opening Cashback Bonus Balance $ 6.91 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 6.91 Cashback Bonus® Anniversary Month: October Cashback Bonus(Rj is America's #1 Cash Rewards Program I Full 5% Cashback Bonus on Get More purchases in popular cat ories throughout the year and up to 1% Cash~ck Bonus on all your other purchases. How Can We Hel You? 1- Visit Discover.cem to pay your bRl for no cost view ur P latest Account information, earn and redeem rewardsoand more It's your choice - 3 ways to help 2 Call 1•BOQDISCOVER (347-2683( for Fast, easyself-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager Far TDD lassistance for hearing impaired) sea reverse side 3' Write us of Discover Card, PO Sax 30943, Sak Lake City, UT 84130 Transactions $0 Fraud Liability Cwarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Jan 10 Jan 10 INTERNET PAYMENT -THANK YOU $ _116.00 Information for You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.02712%; corresponding ANNUAL PERCENTAGE RATE: 9.90%. Rate is subject to the terms of the offer including expiration. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FMANCE Balances Rotes RATES RATES CFU4RGE5 CFtAR~S current billing period: 31 days Purchases $5264.12 0.07121% 25.99% V 25.99% $116.20 $0 Cash Advances $0 0.07121 % 25.99% V 25.99% $0 $0 The rates that apply to your Account are either fixed (Fj or they may vary N) as noted above. -r- Important Informagon, I(Ntere is more ttrart oroe page to tltk biting statement see Nis bade of eadr page fa addtiatal important infomration. co See your Car&nembwAgreemenL Yoa Cardmember Agreement contains all the terms d your Acooun4 o rn Lost orstoten cards. Report ®nmedialely? Call 7.8011.347-2883. z °' 0 Billing Rights Summary. to Case of Errors a r]rrestions About Your B8: If you OUnk your bit h wrong, a 8 you need rroore krtonnation abort a transaction on you t1Wt, write us on a separate sheet nt f at Obcover, PO Box 30421, Salt take City UT&1t30-0421, as soon as posNde. We mtat hear Aram you no later Noarr 80 days after we sent yea the fxN bill on which the error a problem appeared. You can tefeptwne us, txa doing so w4q not preserve your dghts. In your IeNer, give us the (olbwirrg inlorrrration: ~ • Your name ant AccortM number. o • TIl@ ddMr amount Of NYB SUapeCted error. N • Desarte the erns and explain, if you can, why you beNeve tlrore is an error. If you need more information, tiesodbe the taco you are tatstre about ~ You do rod have b pay any amount in question wtrile we era investigaWOg, but yar are sWl obfgNed to pay fire pads of your Wt that are rrot in question. WIiAe we investigate your question, we caturot report yar as de8rrquent a take any action to collect the amount you question. Spedal Rule for Credit Card PtmdOases: If you have a problem wih the quality of goods a services That you purchases with a aedit ra[d, and ytw have bled in good faih to correct Nte problem vAth tloe merchant, you may Trot have to pay the remaining azneunt due on the good a services. You trove the protection oMy when the purchase price was more than S50 and the purchase was made in your bane Nate a wi0oin f 00 cotes of your mating address. (If we own or operate the merdrant or'dwe mailed you the advertisement fa the goods or services, aN purchases are covered regardless d the amount or location of purchase.) Payments. Send only your paymeri and the top portion of this statement in the erwebpe provided. Do not send rash. By sending your check as desrxibed above, you autlwrize us to use bdormaUOn on your dret9c M make an electronic Lund hansfer from you atcourd al the finandal instiWtion indicated on your chaste a to process floe payment as a shade hansaclion. If payment is processed as an electronic frmd transfer, Ne Uansfer vri11 he for the anoounl of Nre rhedc. When we use information from you draft fa make an electronic fund vansfer. funds may be vAthdrewn from you account as soon as the same day we receive your payment, and you wi0 not receive your check back from your fnencial institution. The prooesskrg of your payment may be delayed N you nerd rash, correspondence or other tams wih your payment, if you send N+e payrtwrtt to any otlrer address a if you trce an ' erwebpe other Nran Uoe are provided. Payments retx';ved n proper form of our processing tadaty by 5PM beat Ume on any day will be aetfited to your Account as W that day. Payments received at our proceaN~ fadYdy after SPM local time will be aedtted !o yore Account as d the next day. li you have misplaced your envelope, send your payment to Discover, PO Box 8103, Card Stream, IL 80197.6103. Please aNow 7-10 days for delivery. N yrour payment k returned unpaid, we reserve the right W resubmi it as en etectroric elect!. Yea can pay your rNniman payment a a greater amount of tloe telephone, and you pn set up aWomalic payments. Cott trs al 1.800.347.28113. You will need this statement and your trar,lc account krformatbn. You must ensure that sutfitxent funds are available in your bank account, and cep transactions mull corrr~y with U.S. taw. You omit be asked b provide the first 5 digits d your account statement ZIP code. BY entering those numbers as your electronic skyraNre, you wit be agreekrg to Otis aNhaizatiat ko aiow tts and your baztk to deduct each payment yar auttrodze from you bank account, and to initiate debit or aedit entries to you bank account as applicable to correct an error in the processing of such payment You must tea us the amount at eadt payment, or you can select an amount such as the Minimum Payment Due or the New Balance on each statement. You can cancel a payment however we must receive notice at least Ufee business days in advance of the scheduled payment. You may rabry us by phorre art 1-800.347.2683 ar by coat at the address listed in the precious paragraph. N you payments may vary in amaml, we it tell you on eadl nlwtNiy statement when your payment wit be made and how much it omit be. Your Automatic payment anaunt may be less than iroGceted on Nre morrtliy statemera based tln credis or peymen4s applied doming the biting cyclo. Credit Reporting, VYe may raped infarnaliort alxxrt your account b aedk bureaus. Late payments, missed payments, a oUrer detatlts ce your BCCOUnt may be retkctedm your aedg . report We nomtaNy repot the staters and payment history d your Account m credt repoding agenaes each month. If you beNeve that ou retoort is inaccurate a hcomplete, Please vrtite us at the following address: Discover, PQ Box 15316, Wilmington, DE 19850-5316. Please iMude you name, address, home telephone number and Account number. Periodic Finance Charges. Except as provided txicw, we will impose Periodic finance Charges on purchases, rash advances, antl balance transfers beginning with the date the UanaaCtiOn occurs anti the date of repayment and on Old Balances until the date of repayment. Old Bdarrces are comprised of either purchases and cash advances made nn or pdor to the last day of you loillia~ period endig during February 1993 or Reserve Line balances. You can avoid payment of Periodic Finarrce Charges on new purdhases A you pay the New Balance showm on the bi6rg statement on wttkio the purdoase fxst appears by the P a a t ~ e~ Due Date, and IMe Payments and Credits on Nie Natement equal a exceed your Previatrs Balaroce. We caN Nos the'grace perod", You do not flaw: a grace period on balance ua a cash advarwea. Periodic Finance Charges are imposed on new balance Uansfgs and cash advances beglmAtg wih Bra data the hansacUon nears, Periodic Finance Charges are Imposed on ai lransacUons and Old Balances anti the date of repaymem. Repaymad means payment d yaurentire New Balance, However, if you pay the New Baksnce shown an this biting stalerttent by the Payment Due Date, and the PayrneMS and Credits stoown an this statement equal a exceed tfre Previous Balance w2 well not , impose Periodic Fnarxs Charges on now ptachases, Moat Is, prxehases fast appearing on des statement If your Account was cbsed as d September 27,19!39, you Carr avoid payment d PeriaBC Finance Charges gyoU pay the New Balance sttovm on this Stalemenl by the Payment Due Dale and the Payments and Credis on tlis statement equal a exceed our y Pleviars Balance. Otherwise, you wB receFre a biting statemerrl reel month that Pedodic Fkoance Charges imposed tmtU the dale of repayment. We txxnpute Pedodk Finance Charges eadt day fa prxdbases, qsh advances, bahrrce transfers and Oid BNattces {which uve refer to as trartsatdion ptegories) by using the fobwirg equation: Average Daffy Aalarrca x number of days In the hitlug peeled x Oaity Aerio~ic Rate. (Beta to Me finance charge summary on the front d yea staterrwnt ~rthese amounts.) Ttrao we add all Ure Periods Ftrrartce Charges for each transactor category b gel Nre total Periodic Finance Charges far yourAccoant The Average Deity Balance is Shown as C U no Periornc Finaroce (2+arges apply ro the btr~rtce in a trarosaction category. We use the Average paiy Balance (indtdsg new transactions) mNltod of ptwlaUng the balance tyao whidt we impose Parodic France Charges. We compute Nre average daily bamrtce fa each transaction category by adding up all Ure defy talances in a Ming period }or a transactiar category and diukling Nre fatal by the number d days in Nre Ming cycle. We oomptRe the daffy balazrce fa each transaction wEegay on each day by fast adding the fdlowitg b the previous days daily balance: transactions made That day, fees charged that d ~~ and Pedodic Flnaroce Charges aocnred on tloe previous stays daffy balance; arrd by then subtractrrg any credits and payments that are applied against the balance of the hatosaCtion category on that day. Ob Braarrces are excluded from the balance of the purdoase and cash advarroe barrsaction ce6egories.Special rate balance barrsfers and Balance Transfer Transaction Fee Finance Charges are ardrded>n the dNty balance transfer harrsaction category.. Balance transfers Neat were subject to an IniNN special rete that has been lemrgtaied due to a late payment ere also inducted in the txtegory lentil Noe urltfel special rate 0N1BivYiae would have expked. In calculating the daffy balance of Noe balance transfer transaction category on the first day d the ' b ditg period, we wbtract the toripaid ba4nnce d tioose Balarroe TrenNer Transaction Fee France Cfrarges and baance transfers tiro! become purchase rate balance transfers on that day and we add boat unpaid balance to the balance d Ute ptachase trarosactbn category. Ap tees charged to yourArxount are added to the purrloase transaction category witio the exception W CashAdvarke TrerrsacUon Fee FLaance Chesges which are added to the castr advance transaction category and Balance Transfer Trensardiar fee Firanee Charges which aze added to the balance Uarrsler trarosaction category. H e transactor made in a previous Mlfsg period is Narized on this slatemerd, we consider the transaction date b be the first day of the curent toting period when we cakdate your Periodic Finance Cloarges. Fa TDD (Telecommrmkations Oevke fw the Deaf1 assistance, cep 1-800347-7449. Discover may morribr arxNor record teleplane caNS between you and Discover represeMeb~es fa quality assurance purposes. Tho Discover° card is'tssued by Discover Banat, Member FOfC. 0fTBK064 DISCOVER' s5 zl~ 9?ce 1t SOSN8A0100t3803 KENNETH GENTRY 22 ASHBURG DR MECHANICSBURG PA 17050-8203 Minimum Payment Due Account Number ending In 9139 S 116.00 Enter Amount Encbsed Below Payment Due Date $ ~~~1 March 10, 2006 Please make check pgyobb to Discover Pladinum Card or pay online ~P7 Diseovercard.com. Text APP to DISCOV' to receive a link to our free mobile app and pay your bill in seconds from any~ttterel PO BOX 71084 ~~Irn~~uurs>ilne++In~r~ CHARLOTTE NC 28272-1084 Address, o-mail or telephone change$ Print change in space u~rllrr~rrrlr~~rrrlrr~rlrrrll~lrri~rrlrr~rrllri~rr~zr~ilti~~ above, or go b Discover.com. Print your email address to receive important Account information and special offers. D00001986458932953553D52]r592DD11bDQDD1160Q Discover Platinum Card Account Summary Closing Date: February 11, 2006 page 1 of 1 Account number ending in 9139 Previous Balance $5,215.71 Payment Due Date March 10, 2006 Paymenh And Credits - 116.00 Minimum Payment Due $116.00 Purchases + 0,00 Credit limit $7,600.00 Cash Advances + p.p0 Credit Available $2,384.00 Balance Transfers + 0.00 Cash Credit Limit $3,900.00 finance Charges + 116 21 Casfi Credit Available $2,384.00 New Balance = $5,215.92 You may be ebb to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 6.91 New Cashback Bonus This Period + _ 0.00 Couhbadt Bonus Bc~ance $ 6,91 Cashback Bonus® Anniversary Monfh: October Cashback Bonus(Rj is America's #1 Cash Rewards Programl Full 530 Cashbook Bonus on Get More purchases in popular categories throughout the year and up fo 1 % Cashbook Bonus on all your other purchases. How Can We Hel You? 1 ' V~sd 13we~ercem to Pay your 68 for no cost, viewyout P latest Account information, earn and redeem rewords and more ~t'S your choice - 3 ways to help 2. Call 1-800.DISCOVER (347-2683) For fast, easy self service Please have your Discover Card available, options or to spook wish a Customer Service Account Manager For TDD (assistance For hearing impaired) see reverse side 3, Write us at Discover Card, AO Box 30943, Sah Lake City, UT 84130 Transactions $0 fraud liability Guarantee Use your Discover Card with confidence. Trans. Post Dale Dols Payarents and Gedrs Feb 10 Feb TO PAYMENT-THANK YOU $ .11600 finance Charge Summary Average Daily Nominal Transaction ANNUAL ANNUAL Periodic fee Daily Periodic B Hess Rates Pi~lt3:NTAGE PERCENTAGE FINANCE FRJANCE RATES RATES ~IpRGES CHARGES current billing period: 31 days Purchases $5264.32 0.07121% 25.9990 V 25.99% $116.21 $0 Cash Advances $0 0.071219'0 25.99% V 25.99% $0 $0 The rates that apply to your Account aro either fixed (F) or they may vary (V) as noted above. Discover Cord ranked #1 in fraud Protection Services among the largest credit card companies by Javelin Sfrategy & I! Research in Ns 2005 report. Your account is protected anytime, anywhere with o $0 Gaud Babil' guaroniee and we'll call you right away if there is unuwal activity on your account. To Isom more visit Dlscovercard.com~proteetion ~- --->-~.- - - --- r r - - bnportant Information. It Mtr!re is more than one page to this 6iFng statement, see Mte back of each page for ad6tional important infommation. a See your CardmemberAgrcemant. YaV CardmemberAgreerrlent contains ant the terms of your Acoorml. z Lost or stolen cards. Re port inarredielety! Call d•BOg~347.2683. °i D 8ilBrtg Rights Summary. in Case W Errors a Questions AbaA Yea BiN: tt yw tttink your brl is wrong, w if yW need rttora information about a trantsac8on on your till, write us on a separate street M paper at piscower, PQ Bea 30421, Sale lafoa r3ly, UT 84f311fH21, as soon as possitie. We mast hear frtxn you ra later than 60 days after we sent you the first b8 on 0 wltidt the errors problem appeared. You can teleptane us, but ddrrg so wiA rat preserve your rights. In your feller, give is the idrovring infartnation: ~ Your name ant Acwtml number. e • The dollar amarnl of the suspected ens. W • Descnbe the error and explain. M you cart, why you believe there fs an error. N you need rtare infomatlon, desaroe M+e ikare you are unsure about. ~ You do not have to pay any amount in question whip we are itN¢sligafklg, but you are sWl obligated t0 pay the parts of your bit Thal are rat in question. lNhile we investigate your question, we cannot repel you as deinquenl a take arty ac0on to wMect the amount you queslan. Special Rufe for Credit Card Purchases: If you have a problem wih Mee quality of goods a services that you purchases with a credit card, and you Rave hied er good faith b cared the problem with me merdtaM, you may nor here ro pay Mae temakting amount due an the good a services. You have Mrs protectiat oNy when Mte prxctgse price was more than g50 and the purchase was made in your bane state a within 100 miss of your mating address. (If we rnm aoperale the merchant, or if we mated you the advertisement for the goads a services, ~I purduses are oovesed regardless d rho amoum a bcafon Of purchase.) Payments, Send oNy yar paymart and the top potion d this staterneM in the envelope provided. Do rat sad cash. BY srmdirg you check as described above, You autlarize us to use information on your Check b make an electronic fund Vander born your count al Ehe financial krstllulion itxfaated on your check or ro process the payment as a check transaction. ff paymerr is processed as an electronicfund Vmisfer, lire iransferwill be fa the amount of the check. When we use in(ormaton from your check to make an electronic fund Narrat r , e `urxls may be wkhdrawn Iran you amount as soon as the same day we receive your payment, and you wit not receive your check back from your financal institution. The processing of your payment may be delayed if you send cash, corresportdenca anther items wkh your payment, k you serd the payment to any other address a>7 you use an envelope other Than tfte one provided Payments receired in proper tam at our processng facility hY 5PM kcal tune on any day will be aedited fo yourAcwunt as of that day. Payrtrents received at ow processing faa7ity after 5PM IocW krrre wit be aedked W ycurACCOtrnt as of the next day. If you have misplaced your enveope, send your payment ro Discover, PO Box 6103, Carol Stream, IL 60197.6303. Please afow 7-10 days for defwery. N your payment is returned rxtpeid, we reserve the tight to resubmt k as an efectrarc debit You can pay your mirrmum payment a a greater arn¢unt o1 the telephone, and you tan sal up automatic payments. Cal! us at 1-800-347.2683. You wkl treed this statement and your bank account intarrretion. You must ensure that suRCient funds ate avaiaUe in your bank account antl all trarrsacMons must mmpty witle U.S. law. You will be asked to provide the first 5 digits of your account statement ZFP code. By entering those numbers as your electronk signature,you wit be agreeing td this atahodzation b afow us and yow bank to deduc(each payment you authorize from you hank account, and to nkiate debit w credit entries to your bank account, as applicable to coned an eror in the processing of such payment You must !ell us the amount of each payment a you can selec! an amount such as the Mirumlm Payment Due a the New Balance on each statement, You can cancel a payment, however we must receive reobce at leas) three Ixrsirress days in advance of the scheduled payment You may notify us by phone at 1-600-347-2683 a by mail al the address leafed in ttre prevous paragraph. tf your paytrrerrts may vary in amount we dl teA you on each rtattthly sraten+Rm when your paymentwil be made and taw ntudt k w4l be. Your Automatic paymatl amnunl may be less Mtat ktdicated on the monMtty statement based on rxedis a payments applied dudrg the biltirg cycle. Credit Reporting. We may report information about ywr aocatnt to aedk bureaus. Late payments. missed payments, a other defatdts ai yore aaarnt may be reflected in your aedk repot We nomtalty report the status and payment frsrory of yourAmatnt la aedk repatinq agendas eadt madh. N you beleve Thai ar report rs inaccurate a incomplete, please write us at the fofowing address: Dscover, PO Box 15316, Wdmkrgton, DE 19850.5316. Please mdude your name, address, home telephone number and Account number. Periodic Finance Charges. Except as provded below, we wilt impose Faradic Flnarx~e Charges on pwchases. cash advances, and balance transfers beginning vnth the dale tree trartsad+on occurs unlr Mte dale of repaymen! and rn Old Balances unfit me dale of repayment, Old Balances are rompdsed of either purchases and cash advances made on or prior to the last day of your billing period enWrg dtxirg Febn+ary 7993 a Reserve Lka balances. You can avold payment of PedotSc Panacea Charges on new purchases if you pay the New Balarae shown on the biNktg stalertanl on which the purchase ileac appears by the Payment Due Data, and the Payments and Credos on the statement equal a exceed your Previous 13akxtce. We cal [h's the'gwce period`, You do rat have a grace period on balance trensfers et cash advarues. Periodic Fxtance Charges are imposed on new baiattce Vansfers and cash advances beginning vtitit M+e date the transaction occurs. Periodic Finance gtarges are imposed an ~ transaclrons and Old Balances unli Mrs dale of repayment. Repayrrtent means payment d your entire New Balance, liavever, it you pay ties New Balance shown on this biting statemerd by the Payment Due pate, and the payments and Credits shown on this statement equal a exceed the Previous Bal~rce wawa rat , impose Periodic Firtartce Charges ar new purdtaseS, that is, pwdrases frst appearing On this statement N your Aawwtt was dosed as of Septarrbar 27,1999, you pn avoid paymera G Periodic finance Charges M you pay the New Balance shown on tNs Staternertt by the Payment Due pate and the Peyrttertts and Credks on Mrs staienant equal a exceed your Previous balance. OMtetwise, y¢u want receive a 6iita~ staterttent tteztntattUt that includes Periodic Finance Charges imposed unlit the dale of repayment. We compute Periodk F6eartce Charges each day fa purdtases. cash advances, palaces hanskxs acrd Okl balances (which we refer ro as trarrsactiort categories) by using the folbwirg equation: Average Daily Balance x number of days kr the baling period x pally Periodic Role, (Refer to Ute finance drarge summary at the front of your statement fa these ameunls.) Then we add ai the Periodic Finance Charges toreach Vansaction category b get the 10121 Periodic Finance Charges for your Account. The Average Daly 8afar~ca's shown as 0 if no Periodic Finance Charges appry to the balance in a transaction catet3Ory. Vtle use the Average paiNy balarae {tndtxfittg clew transactions) ttretlad of rakulatirag the baktrtoe upon which we knp0se Periedic Finance Charges. We 0ompule fire average daffy ba~rrce fa each transaction [etegory by adding W ei the dairy balances in a biting period for a Transaction category std Gvi6tg the total by the ntxrtber of days in the hilirg cycle, We compute the daily tealartce for each transaction pte9aY an eacA day by first adding the blrowing to the pmvious daY $ rially batarae: transactions made that day, fees charged that da , and Periodic Finartoe Cha s amnred on Mee Y rge previars day's daffy balance; and by Mren sublractirtg any aedks and payments tlwt are applied agakut the balance of tta transaction category on Mat day. 0!d t3alanoes are excluded horn Mee balance of Mte ptxchase and rrsit advance Vansaction categories. Special rate balance transfers and Balance Transfer Transaction Fee Finance Charges are itchrded in the daffy balatae transfer tansacson category Bake transfers That were aubjea to an itrtial special rate That has been temrittated due to a late payment are also irrtlrrded h Mrs category unW the irrkial 5fretial rate oM~ervvise would have exp'red, let piculatirg the daffy balance of the balance transfer trerxaction category ai the firs) day of the hiRng perod, we subtract the unpaid balance of those balance Transfer Transaction Fee Finance r~earges and balance transfers That become purchase rate balance transfers an Ittat day and rue add That unpaid teatance to Mte balance of the purtMtase transaction category. AB fees charged ro your Aabrrrr are added to Ate purchase transacion category wzMe the extx~tion of Cash Advance Transaction Fee Fkeance Charges which are added ro tie rash advance trarrsadtat category and balance Transfer Trarrsadim Fee Fararae Charges which are added ro the balance transfer transarXan category. M a transaction made in a previous baling period is itemized On This slatemeM, we tartsider the transaction date W be the fast day of the arrest baling period when we cekulale your Perkxic finance Charges. For TDD (iefr!cammwkations Devke for the Deaf) assistance, cog 1$t10J47d469. Discover may mecca andfa record teleplarte wks between you and Discover representatives for quality assurance proposes. The Disooverv card is issued by Discover Bank, member FDIC. OiTBK064 DI~1r~VER New Balance Minimum Poyment Due Account Number ending in 9139 55,888.53 S131.00 Enter Amourd Enclosed Below Payment Due Date April 10, 2006 pyre make check gyaable to Discover Platinum Card or pay online ~Discovercard.com. 11 SDSN6A01 0013604 KENNETH GENTRY 22 ASHBURG DR MECHANICSBURG PA Text APP to DISCOV' ro receive a link ro our free nrobtle app and pay your bill in seconds from anywfterel 17050-8203 Po Box 71084 Illml[rrrrrrllrrrlllulrl CHARLOTTE NC 28272-1084 Address, e-mail ortslephone change$ Print change in space Inlrl~rrlrrr~rl(rrrlrrlrlrrrlll~rrr~rr~rr~rrllrrlrrlrrlrlrrll above, or go to Discover.com. Print your e•moil address fo receive important Account information and special offers. 000001986458930953553058885300116000013100 Discover Platinum Card Account Summary Closing Data: AAarch 11, 2006 page 1 of 2 Account number ending in 9139 Previous Balance $5,215.92 Payment Due Date April 10, 2006 Payments And Credits - i 16.00 Minimum Payment Due $131.00 Purchases + 670.28 Credit Limit $7,600.00 Cash Advances + 0.00 Credit Available $1,711.00 Balance Transfers + 0.00 Cash Credit Umit $3,900.00 Finance Charges + 118.33 Cash Credit Available $1,711.00 New Balance $5,888.53 You maybe able to ovoid Periodic Finance Charges, see the reverse side for details. Cashback Banus® Opening Cashback Bonus Balance $ 6.91 New Cashback Bonus This Period + 1.68 Cashback Boniis® Anniversary Month: October Cashback Bonus Bolanca 8.59 Cashback Bonus(R) is America`s #1 Cash Rewards Program I Full 5% Cashback Bonus on Get More purchases in popular categories throughout the year and up to 1 %Cashback Bonus on all your other purchases. How Can We Hel You? 1 Visit Discover.cam to pay your bat for no coat view r latest Account information, cam and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683} for fast, easy selfservice Please have your Discover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud tiabi6ty Guaranies Use your Discover Card with confidence. Treas. Post Date Date Payments and Credits Mar 10 Mar 14 PAYMENT -THANK YOU $ _116,00 Mlerchandise/Retail Feb 11 Fab 12 BARBARA MOSS b3 ROCHESTER NY 589,72 Feb 11 Feb 12 THE LIMITED CAMP HlLL PA 137.50 Feb 11 Feb 12 F'ETSMART 00005835 MECHANICSBURGPA 53.00 Feb 12 Feb 12 THE UNITED HARRISBURG PA 29.50 Feb 12 Feb 12 THE UNITED HARRISBURG PA 209.00 Supermarkets Feb 12 Feb 12 GIANT FOOD STORES #005 MECHANICSBURGPA 36.61 Government Services Feb 12 Fab 12 INTUIT "TURBOTAX 800-446-8848 CA 14,85 BOB 22200903369 Information for You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE RATE: 4.90%. Rata is subject to the terms of the offer including expiration. Starling March 25 visit Discovercard.com or tali 1.800•DISCOVER (1.800.347.2683} rosign up For our next Get More promotion to get 5% Cashback 8onus(Rj on gas and select auto purchases made at kxations like Auto7ane(R), Pep Boys, Sears Auro Center. Only Discover Card offers 5%Cashback Bonus in popular categories that change throughout the year. _- --~- - - - ------z~ _ important IMorma0on. I(tftere ~ mare Oktn one page to tlris bi6rg statemdtt see the baadt of each page to adtlt1 important hfamatbn, ce See your CardmemberAgraement Your CaNmemberAgreen>ent contains al the terms of yburAtcount Lost a stolen cards. Report inune6ateyl Cali 1.800.347.2663, y BitGtg Rights Summary. b Case of Ertors a Ouesstiaa About Your BN: tf you 6ink your bib ~ wrong, a H you need mare Information abaft a traraadbn on your d8, write us on a separate sheet d paper at Dkoover, PO Bas 30421, Sao Lake Gty, l7f 04130.W41, as soon a9 pcas~ble. We must hear from you no laser Oran 60 days eOerwe sent you the irst rid on ~ S x4iadt Ore ermr a problem appeared. You can telepFtate us, but ddng so tn7 no! preserve yrxir rights. In you IeOer, give us the faflowitg hfarrtatiort: m • Your rgme and AaarM number. o • The dater amount d the atnpecled error. +' • Describe the error and explain, H you can, why you believe Otere b an ens. If you need mare infarrtatbn, describe the Item you xe unsure about. ~ You do not have to pay arty amount in queston whNe vre are hvestiga0ng, but ynu are s66 o~gated to pay Ore pads of your hell Oral are rat et question. WIv1e we invesUgete your question, we canna repot yRw as defnquenl a take any ac8at to co8ed the amount you questbn. Special Rule for Credit Card Purchases: It you have a problem with Ore quat0.y d goodsor services thatyou purchases with a aedittatd, and you have (tied in good faith to corteet the probem wish the merdtaM, You may rtpt have to pay the remaining amount due on Ore good a services. You have ate protection mty when the purchase price was mare Ihen $50 and the purdrase was made h your home stale a wNhkt 100 miles d your maBrtg address. (Hwe awn a operate the mertitant, a tl we mailed you the advertisement for Ore goods or services, aN purchases are covered regardess dthe amount a bcafion d purchase,) Payments. Send only your payment and Ore top pa8m d his sYatemerd in the envelope provided, Oo not send casts. By satdhg your dteck as described above, you authorize us to use idomtaUon an your check to make an eleclroMc fund transfer from your amount al the fnancial insNtutron irtdicaled oft your dreck a b process the payment as a check traraadion. !I payment is processed as an eleciroric fund transfer, fhe Irarafer vAd he for Ore emaxtt of the check. When we use krfamatiar from your check b make an elecUonic fund translen funds may be withdrawn from ycv account as soon as the same day we receive your payment, and you will not receive your check hack from your financial insatulan. The processkrg of your payment may be detayed'rf you sera psh, txxrsspondertce a other dams wAh your payrrcent H you send the payrreM to any other address a it you use an envelope other Oran the one provided. Payments receivedn proper tam at our prorssing taolily by 5PM brat Yme on arty day will be credited ao your Account es d that day. Payments received at our processing really a0er 5PM (opt lane wiO be wedded o you Amotmt es d the next day. If yvu have misplaced you enveope, send your payment to Dismver, PO Box 610.1, Carol Stream, IL G0197~610.3. Please aNOw 7-10 days fa delivery. it your payment is returned unpaid, we reserve the right to resubmit it as arr electraric debiC You can pay you minimum payment or a greater amount of the telephone, and you can set up atdomato payments. Call us at 1 X00-3q7-2683. You wiN need this statement and your bank account information. You must ensure that sufficient funds are avaiabte in your bank aopotxtl, and ad Uaraad'ans must comply wish U.S. law, You wit be asked to provi~ the first 5 digits d your account statement DP off. By enterUtg tlase numbers as your elecUatic sl¢tature, you wit be agreeing to Oais atrtlrarizafron to albw us and your bank m deduU each payment you authorize from you bank amount, and to initiate detil a credit entries a your bank account, es appttcable to correct an stmt in the processkrg of such paymenE. You must tell us the amount d each payment, or you can sated an amaxtt suctt as the Mktharm Payment Due a the New Balance on each statement You can cancel a ent a h . p , ym owever vre must receive notice at least three business days in advance of the scheduled payment. You may notify us by plane at 1-800-347.2683 a by mad at the address listed 'n the previous paragraph. If your payments may vaay h amount we it teN you on each rtbrtOiy statement when your payment wi% be made and how much itwS be. Your Automatic payment amount may be less than irdkated on the rnonthty statement based on aediLC a paYmads applied during du> tabling ryas. Credit Reporting. We may report inbrmafwn about your assent to dealt bueaus. tale payments, maned payments, or o8rer defaults on your accoux may be reflected in your credit report. We normally rapers the stahts and payment listory of your Amoutt to aedii reporthg agenaes each modit. If you beNeve that oa repon is irtamaate or incomplete please write , ~s at the Ieltovang address: Discover, PO eox 15316, Wiltringlon, DE 19650-5316. Please kadtda your name, address, home klephene number sad Acoatnt number. Periodic Finance Charges. Except as provided below, we will impose Periodic Finance Charges on purchases. cash advances, and balance transfers beginning with are dale the transaction occurs unti Ure date of repaymenf and on Old Balances unh the date d repayment. Old Balances are comprised el either purchases and rash advances made on o i t r pr or o the last day of your biting perod ending durirp February 1993 or Reserve Line balances. You can avoid payment of Pedodo Fnar>ce Charges an new purhases H you pay the New 8alartce sham on Ole bilhg statement on whidt the purchase first appears by the Payment Due Data, and the Payments and Creelts on Ore statement equal a exceed your Previous Balanre, iNe ca0 Otis the'graxe period", You do rat have a grace period on balance Uansfers or cash advances. Periodc Fhance Charges are Yrgosed on newbalance trartsters and cash advances begitnhg wih the date ttte Uansadbn odwrs. Periodic Finance Charges are imposed on all irartsatdtars and Old Balances uMd the date d repayment Repayment means paymad of your entire New t3atarrca, However, H you pay use New Balance shown on this Ix18ng statement by the Payment Due Dale, arrd Ore PaymeMS std CrtK4IS ahwm on ittis staterttertt equal a exceed the Previous Balance we wit nil , impose Periodc Fnance Charges oft new ptadtases, that is, purctases fast appeatirg on Ihk statement H ytxaAccaaM was dosed as d September 27,1999, you can avoid payment of Perbdo Fhance Charges 8 You pay the New Balance shown on this 3latemeM by the Payment Due Date ant Ore Payments and Credts on this stat m nt l d e e equa a excee you Previous 8atarrce. Odaeradse, Yet well receive a baling statement rred month Itst includes Periodic Fitartoe Gtarges knposed trnti the dale of repayment. We canpuse Pariodo Finance Cttatges each day for purchases. cash advances, balance transfers and Old Balances (which w•e refer to as trensaclion categories) by uang the fdbwing equation: Average Deity Bahdnce x number d days in the biting period x Dais Periodc Rate, (Peter a the rnanr:e charge suntrrrary on the Uont d your statement br these amounts.) Then we add all Ore Perkrdc Finance Charges fa each transactron category b get Itte Wtal Pedodk Finance Charges for yourAmaxrt. The Average Daffy Balance's stawn as 0'rf no Periodic Finance Charges apply b the batance in a transadon category. YVe use the Average DaWj Balance {irxAading new trarrsacbns) method d calcuFaNrg the balance upon which we impose Periods Flrwnce Charges. We compute the aver dal balance for each irarsatdion ralegay try adding up dl the daffy balances in a bi6rg period fa a Uansacaora category and dividktg the total by Ote number d Sys h the bibs ~ We cortgwte Ore daffy batartce br each lraraac0on ceta9erY on each day by first ada5ng the o8owkg to Ora previtks day's dairy hatartce: transactions made That day, tees charged that day, and Perodo Finance Charges accrued on Ore prevbta day's daily balance; and by Oren subtractkg any credLS and paymerds that are a lied a airst the b l f th t g pp a ance o e ransadon rategay on that day. Oki Balances are excluded from Me balance of the puchase and rash advance transaction ptegories. Special rule balance lratafers and Balance Transfer Transadbn Fee Finance Charges are ktckxied in the daffy baance transfer Uensactlon plegory. Balarkke transfers Ihat were subJed to an hlOal spades rate that has been terminated due to a late payment are also inducted h the category ones the initial ~ecial tats otherwise would have expired N cakzrtating Ore daffy behattce of the baance transfer trersedion rxtagory on the test day of the billing period, we subUad the urged hntance of Otcee Baiarree Transfer Transaction Fee Frtance Charges aai baiartce Uansiers ttrel beeorne puchase rate balance Uansfers on chat day and we add Drat unpaid balarxe fo Ore baance d lfre purchase Eransadiat category. AN fees charged to yoaAccaunt are added to Owe pudtase transaction category wiOa the excepaat d Cash Advance Transadiazn Fee Fnance Charges wtictr are added to the cash advance lransacGon category and 8a{ance Transfer Trartsac6on Fee Fktartce Charges svlidt are added to the bafartce transfer transaction category. it a Uansadion made in a pevous biphg period is itertizad on This statement, wee consider the transaction dare to be rite fast day d the ctareM b4Nng period when we calculate your Peraodic Finance Charges. For TDD {felecommunka0ons Device for the Deat) asaistattce, call 7.80D•347-7449. Discover may monde andbr record telephone calb between you and Diswver relxesentatlves br quaity assurerrce purposes. The Discovers card is issued by Discover Bank, Member FDIC. OtTDK064 It pays to KENNETH GENTRY ~fSC~VER DISCE~CE.R_'~I Account number ending in 9}39 Announcing Rending Transactions! - _ , _.; _____ ..~~:..::...:.~~::~.::,:.,~;~:r.~:,::: ~- - ~~ .~ You asked, we listened. Cardmembers can nowvit:W pending ,„.;;~;.. „~ ,~~;~ tmrlsactions online! _ Check your purchases in realfime to stay connected to your account ~; . ~' , M: _ like never before either online or using your mobile device. ~,~_ lrOg In I'O your OCCOUnt at Discover.com From your laptop or your mobile device and sae For yourself! i I .t x32012 DiKOVer hank, Manber r•Dlc Closing Dale: March 11, 2006 page 2 of 2 Discover Card rooked #1 in Froud Protection Services among the largest credit card componiea by Javelin Strategy & Research in ks 2005 report. Your account Is protected arryfime, anywhere with a $0 fraud liability guarantee and we'll call you right away iF there is unusual activity on your account. To Seam more visit Discovercard.com/protection Why not reward yourself this tax season6 Use your Discover(R) Card when you pay your taxes and you'q cam Cashback t3onus(R). Just visit www.pay1040.cam/discover Finance Charge Summary Nominal Transaction Average gaily ANNUM. ANNUAL periodic Fes Daily Periodic PERCENTAGE PERCENTAGE FRVANCE FINANCE t3alances Rates RATES RATES CHARGES CHARGES current billing period: 28 days Purchases $5934.85 0.07121% 25.99% V 25.999'0 $118.33 $0 Cash Advances $O 0.07121 % 25.99% V 25.99% $0 $0 The rates that apply b your Account are either Fixed (F) ar they may vary M os rated above. QueStlOnS~ Manage your account at Discover.com or call 1.800•DISCOVER { 1-800-347-2683. DIJ~~VElC New Balance Minimum Payment Due Account Number ending in 9139 $5,888.53 $ }47.00 Enter Amount Enclosed Below Payment Due Data May 10, 2006 please make check p ble to Discover Platinum Card or pay online ~ Discovercard.com. 11 SDSN6A01 0013605 KENNETH GENTRY TextAPPtoDISCOV'toreceivealinktoour 22 ASHBURG DR tree mobile app and pay your bill in seconds from anywhere) MECHANICSBURG PA 17050-8203 PO BOX 71084 II{rrrl~rrrstrllrrrl~lrrlrl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change4 Print change in space ~rrlillrr~irrlr~~rri~ir~r~rrrllllrrrlrr~rrlrr~lrr~ir~rrlrlrrl~ above, or go to Discover.com. Print your email addreu to receive important Account information and special offers. DD00019Bb45B93c'953553DSBB85SDDODOOD00],47D0 Discover Platinum Card Account Summary Closing Date: April 11, 2006 page 1 of 1 Account number ending in 9139 Previous Balance $5,888.53 Payment Due Date May 10, 2006 Payments And Credits 13 } .00 Minimum Payment Due $147.00 Purchases + 0.00 Credit Limit $7,600.00 Cash Advances + 0.00 Credit Available $1,711.00 BalancaTransfers + 0.00 Cash Credit limit $3,900.00 Finnnee Charges + 13 } .02 Cash Credit Available $1,711.00 New Balance $5,888.55 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 8.59 New Cashback Bonus This Period + p,pp Cashback Bonus Balance $ g,59 Cashback Bonus® Anniversary Month: October Cashback Bonus(R) is America's #1 Cash Rewards Program) Full 5% Cashback Bonus on Get More purchases in popular categories throughout the year and up to 19o Cashback Bonus on all your other purchases. How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available. For TDD (assistance for hearing impaired) see reverse side 1. Visit Discover.com to pay your bill for no cost, view our latest Account information, earn and redeem rewards and more 2. Call 1-800-DISCOVER (347-2683) (nr Fast, easyselF-service options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, Salt Laka City, UT 84130 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. Tpraabns. ~~ Payments and Credits Apr 8 Apr 8 {NTERNET PAYMENT • THANK YOU $ .131,00 information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01342%; correspondirr8 ANNUAL PERCENTAGE RATE: 4.90%. Rate is subject to the terms of the offer including expiration. ~ Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FBJIItJCE RNANCE Ba ces Rates RATES RATES Cf~WRGES CHARGES current billing period: 31 days Purchases $5934.94 0.07121% 25.99% V 25.99% $131.02 $0 Cash Advances $0 0.07121% 25.99% V 25.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. Manage your account your way- v,~fiether you prefer to speak with a live person or manage things on your own, DiscoverlR) Card has the right account management options for you. Call 1.800•DISCOVER (1-800.347-2683) or visit Discovercard.com '~-' -~~rr -- --- -r lmpottant Information, N tlrare is more Stan aria page b tips MIFng staroraatt, seethe beds d each page br adddionet important ihtonratan. See yore Cardmember Agreanenk Your Cardmemba agreement contains a9 itb terms of your Acaunt. lost a stolen cards. RepcA immediately! Cak f-800.341.2683. BIIIing Rlghb Sunvnary. h Case of Eaors a Qrestbtte Abort Your BtY: N you thirdr your b~ is wrong, a k yrnr need more vrfartration about a transaction an your dll, write us on a separate sfreetof paper at Discover. PO Boi 3b421, Sale Lake City, UT 84130-0421, as soon as possible. We must Flea from you no later than 60 days aRerwe sent you the fret bg on which the error a problem appeared. Ya can telephone us, but doing so will rat presence your rights. In your letter. give us the fokowing infamatiat • Your name and Aaaunt number • The do8er amount of the susprtded aria • Desrnbe the errs ant expleirr, d you can. why you beleve Arena is an error. If you need more infonna8ar; describe the item you are wrswe shook You do not have ro pay any amount in gtteslion white we are irwestigeting, but you are sllll dttigated b pay the parts oiyow bat Ynat are not h question. Wltile we investigate your gtw~ion, we cannot report you as detnquent a lake any adian ro coked the amount you questimx Specrel Rate for Crad'd Card Purchases: k you have a prabkrn wilt the quality of goods a savlces 0tat you purchased with a credit ford and you have tried'm good lath to cornea the problem wih ifre merdmnt, you may rat have ro pay the ramakring arnountdue on the goods ar services. You have this protection only w7ren the purdrase price was more tlten $50 and Ute purchase was made lit your bane site a wi0tin 100 milt; of yow makng address. (H we own a operate the merchant, a ifwentaled ydu the adrertiserhent fa the good a services, ale the pwchase ere covered regadless of the anaaM a kxefion of Ore prrchase.) Payments. Send only your payment and the top poruon of the statement in the emrebp provided. Do rtot send cash. By sending your cheek as des«ibed above, you authorize us to use information on your dteck to makeand electronic fund ireitsfer from your eceount at the finanaal instiMion indicated on you cheee a to process fhe payment as a check lsansactior+. If the payment is processed az en eectronie hrrd transfer, the transfer vale be for the emaau of the check. Witten are use informaion Loco your dtadc to make an electronic Laid Uarrsier, funds may be withdrawn fnxn yow account as soon as the seta day ne receive your payment, end you wit not receive your check bade hom your finernCiel insriuaon. The processing of your payment maybe delayed i you send cash, wirespondertce a other ioems with your payment, if you sand the pairmeN to any other addre~ or if you use an enveope other that the one provided. Paymends recerred in proper form et our processing faddy by SPM bcel time on any day wile be aedned to yarAa»unt as of That day. Payments received at our processing laciity after 5PM local time witl be aediled ro your Accamt as of the next day. If you have misplaced yow envelope, send you payment to Discover, PO Box 6(03, Caml Stream, IL G01975f 03. Please allow 7-f0 days for delivery k your payment is resumed unpaid, we reserve the right b resubmit it as an electronic debA. You can pay you minimum payment or a greater amount over the teteptarre, end you can sal up automatic payments. Coil us at t-80D3472fi83. Yau will creed this statement acid your bark account information. You must ensure that s»Raenl furls are available in your bank account, and all transachons coos! contpty with U.S. law. You witl be asked to provide the first 5 dills of you account slalenrerrt ZIP code. By anteing (lase numbers as yrxrr electronic signatwe, you wiN be agreeing to this authorization b Glow us and your bank to dedua eadt payment you arr8tor¢e from your balk arxowtl, and b initiate deNt a credit entries to your bad( accotrnL as applicable, to correct error in the processing of such payment. You must tell us dne amowrt of each paynrenl, a you can select an amount such as hfitimum Payment Due ar Iha New Batenca on each statement. You can carx:el a payment, however vre mist receive no>ue etleast three businessdays n edratcea(tlta scttadukd payrrw.nt. You may noGty us by ptrase a 1-800-347-2683 a by rradl at the address fisted in the previous paragraph. If your payments may vary in amount we wi8 tat you on each monttiy stelemem when your payment wi8 be made ant hav mrrctt a wiN be. Your Automwuc payment amount may be less Usen the indicated an 8ta monthly statement based as credits a payments applied doing the thMing cycle. Credit Reporting. We may repot infomtation about your account to rred4 bureaus. Late payments, missed payments, or other defaults on your account maybe retracted in your credit report. We namaily repatthe flatus and payment hidory of your Account to credit repakrtg agencies each month. If you believe that our report is inaccurate a incomplete, please write us et the rolbwing address: Oiscover, PO Box 15316, Wilmington, DE 198505316. Please include you name, address, home telephone number and Account number. PERIODIC FiNAt4CE CHAGES. Perodc Finance Charges ore imposed on orb tsensadiatskom the dale the trensoclart is posted to yota AoceuM until the data you pay Yaw en8ra Nav Balarxx, by making paymerAs a receivirrg credits. However, we wit provide the fdkwing "grece period' If you paid the Naw Balance on your pervious billing slatentent by the Payment Due Date shown on Brat statement, and yar pay the New Balance by Ste Payment Due Date an this statement we wit not impose Periodic Finance Charges on new purchases, tfart is, purdreses first appeadng on Ibis statement. Okterwise, you will receiua a biting stetenrenl next month Aral ndudea Peiiodic Finav;e Charges on those new purchases. There is no pace period on balance transfer a cash advances. We sort you aansadiona rib groups of purdrases, cash advances, and balance transfers end then fwther soA (fur transadbns within eactt grasp by theirAraual Percerttege Rate. Fa example prxdmses subject to a promo8onal rage and puchases sttbjecl to slenderd rate would be separate groups. We refer ro tltesa groups as transaction calegaries. AI the end of e~lt taNng period, we compute Poritdb Finance Charges fa each day of the b7trg Pedod for each transaction category. We use the foYowin9 egrraVar ro canpute Peiiodic fa each transaction category. Average Daly Balacee x number N days in the gikirrg period x Daly Periodic Rafe. (Sea the frrarrce dtarge sunanary on your statement far these amounlsl Then vre add up the Pedodb Finance Charges fa each transactbn category to get pre rotal Periodc Finnrtce Charges br your Accamt. Theaverage Daily Balance s shown ore zero if, bewrrse of 9re grace period, rro Periodic Finance Charges apply b the balance let a rarnsadion category. We use Ste Average Daly.Batance (rndudkg crew trerrsadiansi medtod of calcria8rg the balance r~tut vrhrch we impose Parodic Finance Charges. We. mrtgxrte the Average Daily Balance fa each trensadion category by adding tp ale the daffy balances in a biRrtg period fa a trensadgn category and rbviding Ste told by the nurrita of days in the bilh'ng cycle. We comgde the daily balance to eadt b'ansac5on category on each ley by fast addng the totbwirvg b fire previous de f s daily balance, uamseaions made that day.tees dtarged dtaf day and f'eriodre Patents Chagas aarued an drat ley If a uansaaion is posted ro your Aocountafler the cbse of tfre bilktq peeled in which k occurs, wre wit beat the kansadien az having occwred on the first day of the bung period at whdt it b posted ro yotu Account. All tens draped to yourAaors'rt ere added to the slandad pwchase irerrsaction rategorywith the exception of Cash Advance Transaction Fee Penance Charges vsTddt are added to the applicable cash advance VanSactlOn category and Balance Transfer Trensaction Fee Finance Charges which are added to the applies balarxa transfer hansacftan category. When dre special role expk~es, the move the rmpad balance of the balance transferand the Ba<lence Transfer Trertseaion Fee Finance Charges to the standard pudtase kansacbon caegory. tioruevei, i the special rate has been tetnninefed tetda the Oafauk Rate Pion, we leave the unpaid balance of the balance transfer end the Balance Trenskr Trertackon Fee Pinata Chagas in dre applicable trensac6on t~agory wtW Are spedal rate world (rave expired. For TE)D (TeiecommrmicatiamDevice fathe Deal) assistance, cork 7500.347.7449. Discover may monies endta record telephone ceYs between you and Discover represenfe9ves for quality assurance purposes The Diswvere card is issued by Discover Bank, Member FDIC. OiTBK107 DISCOVER $$ 223 11 SDSM6A01 0013606 KENNETH GENTRY 22 ASHBURG AR MECHANICSBURG PA 17050-8203 Minimum Payment S t oa.oo Payment Due Date June 10, 2006 D- ue Account Number ending in 9139 ''i Enter Amount Enclosed Below Please make check payable ro Discover Platinum Card or pay online ~ Discovercard.com. Text APP to DISCOV to receive a link to our free mobile app and pay your bill in seconds from anywheref Po Box 71084 Illrrrllrrrrrrllrrrlllrrlrl CHARLOTTE NC 28272-1084 Address, email or telephone change4 Print change in space Irilrllrilii~lillnrlriltltttlllliulrrliilulluli~lr~lrlnll above, or go to Discover.com. Print your email address to receive important Account information and special offers. 00000198645893295355305223D3059],88DOD10400 Discover Platinum Card Account Summary ~. Cbsing Date: May 11, 2006 page 1 of 2 Account number ending in 9139 Previous Balance $5,888.55 Payment Due Date June 10, 2006 Poymenia And Credits - 5 918.80 Minimum Payment Due $104.00 Purchases , + 158 10 Credit Limit $7,600.00 Cash Advances . + 0 00 Credit Available x2,376.00 Balance Transfers . + 5,000.00 Cash Credit Limit $3,900.00 Finance tysargss + 95 18 Cash Credit Available $2,376.00 New Balance = $5,223.03 You may be able to avoid Periodic finance Charges, see the reverse side for details. CCSII6QCI( Bat1U5® Opening Cashback Bonus Balance $ 8.59 New Cashback Bonus This Period + Q,40 Cashback Bonus Balance $ g,q9 Cashback Bonus® Anniversary Month: October Cashback Bonus~Rl is America's # 1 Cash Rewards Program) Full 5%Cashback Bonus on Get More purchases in popular categgoories throu h t th d g ou e year an up to 1 %Cashback Bonus on all your other purchases. How Can We Hel You? P 1. visit Discewrcom ro pay your b~ for ne cost view ur latest Account information cam and redeem rewardsoand more It'S y0uf Cho1Ce - 3 W(1~15 >f0 h@IP , 2. Call 1.800•DISCOVER X347-2683) for fast easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD (assistance For hearing impaired) see reverse side 3' Write us of Discover Cord, PO Box 30943, Salt lake City, UT 84 i 30 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dote Date Payments and Credits Apr 19 Apr 19 PAYMENT • THANK YOU $ -5,918.80 RAerc6andise/Retail Apr 12 Apr 12 THE PATRIOT-NEWS MACTI 717-255.8237 PA 30 25 Apr 26 Apr 26 . TM *TICKETMASTER INTER 215.336.2000 NY 127.85 PHI28188 3-29353 BaAance Twnsfen May 1 May 1 AMERICAN GENERAL XXXXXXXXXXXX0012T5 IL 5,000,00 May 1 May 1 8AL TRANS TRANSACTION FEE FINANCE CHARGE 60.00 APR 3.90% EXPIRES 10/2006 Information For You Let your Discover(R) Card pay your monthly bills, and you'll have more free Hme and a clearer picture of your monthly spending. Simply contact your service providers today to set up regular automatic payments with your Discover Card and start building your Cashback Bonus(R~ even Faster. Important Infomtatlon. N there is mwe than one page b re~ br4Srg stakvarera, sae the badt of each Page for additional important iMonnafiaa. See your CardntemberAgreemerd. Your Cardrtxrrttlaer agreement contaes as the terms d yomAcsotrnt Lost a stden cards. Repot immediatelyl Ca81.800-347-2683. Billing Rights Summary. In Cast: of Errors a (~tteslionsAbout Your BiA: Ityou tlrinlt yoix 1>;A s wraag, a iF you need more infonrreUOn about a transardon an your tat, write us an a separate sheet of paper at Discover. PO Box 30421, Salt Lake City, t1T 8413x0421, sa soon as poSstble. We mast hear from you ra later than 60 days after we sent you the first bill on wtudt the errs a problem appeared. You can telephone us, but doktg so call not preverve yotr rights. In your letter, give us the following infonnetiat: • Your name and Account number • The ddlar amoreit d the suspected error • Describe the errs and e>~laei, it you can, wiry you beleve Otere rs an error. K yea need more infom~Uon, desrxbe the i0em you ace tarsoa about You do rat have b pay any amount in question whAe we era arvestigaUng, but you are still obUgated b pay the parts of your btll that ere not b quasUOn. Wh7e we investigate yeur question, we cannot report you es delinquent a take any action b ooAed Ate amamt you question. Special Rate for Credit Card Purchases: H you have a problem with the rprufity of goods a services that you purchased with a aedit certl and you have tried in good faith to correct the prot>lern wah the merchant, you may not have to pay the remakiing amount due on the goods or services. You have Uris protection ony when the ptrdtese price was more Char. $50 eixl the purchase was made in your home stale a vnttrin 100 miles of your making address. (If we own or operate the merdtanl, or U we mailed you the adverlisenient for Ilse good or services, ad the purchase are covered regardless of the aitarnt or location of the purchase.) Payments. Send only your payment and the top portion of the statement in the envelop provided. Oo rat send cesh. By sending your dreck es described above, you authorize us to use information on your check to make and electrorec fund transfer from your account al the finaradal institution indicated on your check of to process the payment as a check uansaction H the payment is processed as an etecuorvc fund transfer, the Vansfer vrdl he for the amount of Ure rdreck. When we use irdnrmauon Uom your check b make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day care receive your payment, and you call not receive your check back from your financial institutbn. The processing of your payment maybe delayed it you sand cash, correspondence a abet items witlr your payment, it you sand the payment b any other addressor if you use an envelope other Ulan the one provided. Payments received in proper form al our processing tacAily by 5PM local lane an arty day wN be credited b your Account as of that day. Payments received at our pracessng forcibly after 5PM local time wdl be credAed b your Account as of the next day. It you have misplaced your envek>pe. send your payment to Discover, PO Box 6103, Carol Sheam, IL 60197-6103. Please albw 7-10 days to delivery. If your payment is reuxned unpaid, we reserve the right to resubmit it es an electtoaic deMl. Ycu can pay your minimum payment or a greater amount over the telephone. and you can sal up automatic paynnenis. Call us at 1.800-"sd72683. You will need this statement and your bank account information. You must ensure that sufficient (cards are available in your bank acuoaxtt, and aA transactions must comply with U.S. law. You wi0 be asked b prov;de the first 5 digits of you account statement ZIP code. By entering those northers as your electronic signahae. you vnN be agreeing b tltis authorization b allow us artd your bank to deduct each payment ywr authorize from your bank ectrotant, and b initiate debit a credit entries to yatr bank account, as applicable, to totted earn in dre processing of such payment You must leg us the ararer! of each payment. a you can select en amount such as Minimum Payment Due a the New B~ance on each stalemerd. You can cancel s payment, tw,veuer we must receive Holies atleastahtee btssirross days m advance of the schedWad payment. You may notify us by ptuae at 1500.347.2683 a by rnaA at the address GSed in the previous paragraph. If your payments may vary re amount we wAl teA you on arch rriomhty slalemenl when your payment wf! be made and how much a will be. Your Automatic payment amount may be less then the indicated on the momhty statement based on credits a payments applied during the bilGrg cycle. Credit Reporting. W'e may repon information about your account to aedii bureaus. Late payments, missed payments, or other defaults on your account maybe reflected in your credit report. We rxxmalty report Are status and payment history of yaa Aoearnt b credit reporlkig agencies each rranlh. It you believe Thai our repon rs inaccurate or inceniptete, please write us at tNe following address: Discover, PO Box 15316, Wikr:ington, DE 198505316. Freese iridude your name, address, home telephone number and Acatxit number PERIODIC FINMiCE CNAGES. Periodic Finaise Charges are irryrased on aN U~sacUoris front the deb Die Vartsadron R posted to your Acmum unlA the date you pay your entire New Balance, by making paymnertts a ceteivaig credits. However, we witl provide tta toAowing `grtux period- If you paid the New Balance on your pervious bilUrg statement by Ute Payment Due Date shown on That statement, and you pay the New Balance by the Payment Due Dare on this statement xre wiA rat urpose Pedods Pinatas Charges on new purchases, that is, purchaseu first appearing on Ntis statement. Otlierwise, you wrll receive a tilting statement Hex! month that indudss Periodic Faerrce Charges on ttase new purchases. There is no grace period on baance transfers a cash advances. We son yma transaction into groups of purchases, cash advances, and balance Uarr~ers and ttaen 1uArer sort rho UansacUorrs vviUrin each group by tt~aAnnual Percentage Rale. Fa exampl¢ padvases udr}ect to a peanwtional rate and purdhases sutt9eato standard rate would be separate getups. Wa refer to these groups as transaction catagorias. Atlhe end of each bang periaf we tartipure Period's Finance Charges for each day nt the biAeug period fa each transaction category. We use Ara follovng equation to compute Periodic fa eadr transacliori category Average Daffy Balance x Member of days in the baling period x Deihr Periods Rate. (See the finance diarge summery on your 5lalemenl [a these amounts.) Then we add up the Periodic Finance CFvarges for each trensedion ratetpry to get the total Peridds Firreitce Charges fa your Arxbamt The a+.rorage Daily Balance is shown as zero if, because of the grace pedod, no Periodic Finance Charges apply to the balance h a Vansadiort category. We use Sae Average Daffy Balance {ndudrrg new transactions) method of cakure0ng the balance upon which we irigaose Periodc Fitance Chagas. We compute the Average Da~j Balance fa eMh transacUai category by adding up aN Are duly balances in a being period for a transarxwn category aMl dviderg the btel by the number of days m the billing cyde. We compute the daily balance fa each transaction category on each day by lust adding the tdlowirgy b the previous day's detly balems. Uansadions made that day, ties charged that day and Periods Farartce Charges arxnred an that day. It a Uansaclron is posted to yourAccount after the close of the bAirg period nt vAridr it occurs, we will treat Ute UensacUon as having occurred on the test day of the bAling period in which n is posted to yota Axamt. M fees charged b your Account are added to Ste standard purchase transaction category wnh the exception of Cesh Advance Traraagion Fee Finarice Charges which are added to the appkpble cash advaxe trarrsectiai category acrd Balance Transfer Taansaction Fee Futaraca Charges wdridi are added to itre applicable balance transfer Vansaciora category. t4herr the aperaal rate expires, we move the rrnpard balance of the b~arse transfer and the Balance Transfer Trartaedion Fee Fhiarse Charges b the standard pochasa Uansactiori category.l3owever, 4 the spedel rate hast>eerr tanriatated under fie 9efauh Fiala Barr, we reeve the uayraid balance of Ura balance Vander acrd the 8alarse Transfer Tiar>saction Fee Farance Charges in the appiirabfe tasnsaction category unf~ the specid rate vrould trove expired.. For TDD (feretommurlcaGons Device for the Deaf) assistance, call ~-800.347-7449. Dacever may montla aMUor record telephone tre8s between you and Discover representatives for qualAy asstsance purposes The Disrxrver° card is'ssr~ed b)' Discover Benk, Member FDIC. O1TB!(107 DISCOVER -i tt pot's b KENNETH GENTRY ~~~~~ Account number ending in 9139 Announcing Pending Transactions! You asked, we listened. Cordmembers can now View pending transactions online! Check your purchases in realtime to stay connected to your account like never before either online or using your mobile device. !.O9 in t0 your account of Discoveccom frrnn your loptvp or your mobile device and see for yourseEf! ®2012 Discover Bank, Member FDiC ,_ _ f & w Closing Date: May 11, 206 page 2 of 2 Finance Charge Summary Nominal Transaction Average Daily ANNIIAI ANNUAL Periodic Fee Daily Periodic PfRCENTAGE PEACENTAGf FINANCE FINANCE Ba races Rotes RATES RATES CH11 RGES CHARGES current billing period: 30 days _.,_,. Purchases $ i 368.52 0.071219'° 25.99% V 25.99°~ $29.24 $0 Cash Advances $0 0.07121 % 25.99% V 25.99°/ $0 $0 Balance Transfers $1856.32 0.01068% 3.90% F 15.82% 55.94 560.00 The rates that apply to your Account are either fixed 1F) or they may vary (V) as noted above. ~ QUest1O11S? Manage your account at Discover.com or cal! 1-800-D!sCOVER (1-800-347-2683. - - - :r DISCOVER s ~ Iti~ e 11 SDSNeA01 0013607 KENNETH f3ENTRY 22 ASHBURG DR MECHANICSBURG PA 17050-8203 Minimum Payment Due AccounF Number ending in 9139 S129.00 Enter Amount Enclosed Below Payment Due Date .hdy 10, 2006 Please make check payable fo Discover Platinum Card or pay online ~ Discovercard.com. Text APP to DISCOV' to receive a link to our free mobile app and pay your 6111 In seconds from anywhere! PO BOX 71084 ~llnrllnmrllurlllnlrl CHARL07TE NC 28272-1084 Address, e-mail or telephone changa2 Printchange in space „I llrrlrrilrllrululrlrrrllllrulr:lulirl~rrlrrln~ilrrll above, or go to Discover.com. Print your o-mail address to I ' receive important Aceourrt information and special offers. OD00019864589329535530644806D0000000012900 Discover Platinum Card Account Summary Closing Dote: June 1 1, 2006 page 1 of 3 Account number ending in 9139 Previous Balance $5,223.03 Payment Due Date July 10, 2006 Payments And Credits - 104.00 Minimum Payment Due $129.00 Purchases + 1,291.51 Credit Limit $8,600.00 Cash Advances + 0.00 Credit Available $2,151.00 Balance Transfers + 0.00 Cash Credit Limit $4,400.00 Finance Charges + 37.52 Cash Credit Available $2,151.00 New Balance = $6,448.06 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cnshbnck Bflnus® Opening Cashback Bonus Balance $ $,99 New Cashback Bonus This Period + 4.78 Cashback Bonus Balance $ 13.77 Coshback Bonus® Since AnniversaryMonth - Ocfober: $6.86 How Can We Help You? 1 • Visit Diseewreem to pay your bill for no cost, view your latest Account information, cam and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-BOaDISCOVER (347-2683) For Fast, easy self-service options or fo speak with a Customer Service Account Monoger Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943 , For TDD (assistance for hearing impaired) see reverse side 5aH Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Tr a n s. D ~ t e a e Payments and Credits Jun 10 Jun 10 INTERNET PAYMENT -THANK YQU $ -104.00 Merchandise/RetaR May 17 May 17 UNENS N TH1NG5 #281 CAMP HILL PA 423.99 May 22 May 22 TM "ASHIEE SIMPSON 215-336-2000 NY 151.15 PHIE540329.40133 May 24 May 24 MICHAEL'S if2754 CAMP HILL PA 11.90 May 26 May 26 TARGET T-1254 HARRISBURG PA 48.97 May 27 May 27 THE UNITED CAMP HILL PA 39.00 May 29 May 29 WAL--MART SC - #1886 MECHANICSBURGPA 15.82 May 29 May 29 STAPLES #643 MECHANICSBURGPA 12.34 May 29 May 29 STAPLES #643 MECHANICSBURGPA 12.66 May 29 May 29 PETSMART 00005835 MECHANICSBURGPA 30.20 May 29 May 29 DICK'S SPORTINGGOODS HAMPDEN TOWNSPA 79.99 May 30 May 30 KMART 4275 MECHANICSBURGPA 23.30 Moy 3l May 31 TJMAXX #0708 HARRISBURG PA 67.25 Jun 5 tun 5 PETSMART 00005835 MECHANICSBURGPA 76.32 Jun 7 Jun 7 OLD NAVY #5348 CAMP HILL PA 38.10 Restaurants May 29 May 29 DROSOS SILVER SPRING D 71 769 1 7070 PA 10.77 May 29 May 29 FRIENDLY ICE CREAM CAMP HILL PA 24.84 May 31 May 31 WEST SHORE PLAZA RESTA lEMOYNE PA 15.69 Jun 1 Jun 1 MACARONI GR32700003277 HARRISBURG PA 16.02 Trawl/EnfertainmeM Jun b Jun 6 HERSHEYPARK ADMISSIONS HERSHEY PA 94.95 Supermarkets Jun 7 Jun 7 GIANT FOOD STORES #005 MECHANICSBURGPA 98.25 Get set for fall. Get 5% Cashback Bonus(R). Use your Card July to September aF Gap, Kohl's, Marshalls(R), TJ.Maxx(R], Famous Footwear TM, Dell TM, Office Depot(R), Of$ceMax(Rj, Staples, Unens'n Things(R), Pier 1 Imports(Rj -and on tuition and get 5%Cashback Bonus. Sign up for the Fall Get More program at 1-800-0ISCOVER (1.800347-2683). ~ _ - - --ter- - - important InforrnaCroh. if there is rtrore tltart one page b Bra b~itg stalerner4, see the bade of each page fa additional intpalant information. Sea your Cardntember Agreoment. Yow CardrrremberagteorrteM oaBains adthe temts of yrwrAccaunt. lost or stolen cards. Report immedalePy! CSI 1 ~80D-3d7-2683. BilUrg Rights Summary. M Case of Errors a Quesliata About Your B~: N you tftirdt your bits wroa~, a if yore need more information about a ttanSaCiiai on your biY, write us on a separate sheetof paper at Discover, PO Box 30421, SaB Lake CBy, UT 84130-0429, as soon as possible. We must hear horn you tw later than 60 rays after we sent you the thsl hill on wivrit the error a problem appeared. You oar. Delepttone ra, but doag so wit not presence year rights. In your kdta, give us the fodovnng information: • Yoa name and Aaounl number • The dollar amount of Bte suspected arts • Describe the error and explain, irynte can, why you befeve Ihae is en error. if yw creed more information, desaibe the item you are tutswe about. You do not have to pay arty amount bt ques6an whle we are investigating but you are sad obkgated b pay the parts of your bid that are not in question. Wale we investigate your quesliat, we cenrbt reportyou as delingreent a take any actiat to celled the amount you quesfbn. Special Rate For Credit Card Purchases; K you have a problem wiBt the quedty o9 goods a services Ihatyou purchased with a credit card and you have Tried in good faith b coned the problem with the mercham, you may not have ro pay the remeinag srttorstt due on the goods a services. You have Btis praection only when the purchase price was more than S50 aid the purchase was made in your lance stela a within 9tkl miles of your maifmg address. (If we cxrtt or operate the merchant, a it we meted you the advertisement fa the good a services, ap the purchase are covered regardless of the amount a bcakat of the purchase.) Paymenk. Send omy your paymora and the top poteon of the statement in the erwebp provided, Do not send cash. 8y sending your check as described above, you aultadze us to use incarnation on your check to make amt eledrortic hind hander from your account at Ina fvtanaal institution iidiceled on your check or to process the payment es a check transaction. y the payment is processed as an eleclroruc hind transfer, the hansfer well be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn fmm.your amount as soon as the same day we receive you payment, and you will not receive your check back horn your financial insUluUon. The processing of your paynnertt maybe delayed if you send cash, cortesponderae a other lams wish your palmenl, it you sand the payrnenl to sty other address or.i9 you use an envelope other than the one provided. Payments received rcr proper form scour pocessng fedidy by 5PM focal lane on any day wd1 be aedited ro yoaAcoounl as of that day. Payments received ai as processing facility alter 5PM local tans wll be credited to yourAccoum as of the next day. It you have misplaced your envelope, send your payment to Discover, PO Box 6103, Carol SEream, IL 60197.6903. Please atkxv 7-10 days for delivery It your payment is returned unpaid, we reserve the right to resubmit it as an e{eclranic. debit. You can pay your minimum payment or a greater amount over fhe teiephorce, and you can set up aulonwGc payments. Ca!I us al t-800-3472G83. You welt need This statement and your bank accamt information. You must ensure That sufficient ftmds are available in yatr bank account, and all Irartsactions must wmply with U.S_ law. You well be asked to provide the lust 5 digds of you eccoum statement ZIP code. By entering those numbers as your electronic signature, you well be agreeing to this eulhorizalion to allow us and your bank to deduce each payment yotir atulaaize Irom you bank amotxa, and to stitiate debit or dedit enhies b your bank acmtati, as appkable, b correct arts at the processing of such payment. You must fell us the amount of each payment, a you can select an amoud such as Minatwm Payment Oue a the New Balance on each statement You can cancel a payment, howevawe must receive ratice of least three business days'xt advance of the sdtedWed payment. You may notify us by phone at 1.800.347-2663 a by maU al the address listed in the previous paragraph. B yoia payments may vary b amount we wdl led yes on each monlfdy stetemem when your payment w41 be made and flow much it wed he. Year Automatic payment amount may be less then Bra indicated on the momhty statement based on aedls or payments applied durkg Ile billing cycle. Credit Reporting.'We may repot infatuation about your account to aedl bureaus. tale payment-,, missed payments, or other defaults on your account maybe reflected m your aedit report. We normally report the status and payment history of your Account b aedit repahng agendas each mono. It you believe that our report is inaccurate or incomplete. pk:ase wore us at the following address: Discover, PO Box 15396. Wilmington, DE 19850-5316. Please include your name, address, home telephone number and Account number. PERKmIC FINANCE CHAGES. Periodic finance Charges are imposed rxt all Ironsarxions Irom the date the ttansad'an is posted ro your Account until the date you pay your entire New Balance, by maidng payntems a receivatg credits. Fbwever, wa wed provide Bra following'grace pared' If yore paid the New Balance on your pervbtes bilErg statement by the Payment Due Dale shown on drat statement, and you pay the New Balance by rho Payment Due Date on fttis statemerN we ~ not appose Periodic Finance Charges on now purchrses. chat b, purchases fast appearing an This etatentent. OBterwise, you w~ receive a biting statement next month lilac irdue)es Periodic Finance Charges on those new purdtases. There is no grace period on balance Irarufers or cash advances. We sod your Uansactima inb groups of purchases. rash advances, and balance transfers and then ftrrBter sort the trartaactions witfdn each group by tl,ea Mmml Percentage Rafe. Fa example purdtases stdtjact b a promotronal rate acct ptsdtases stdtjed W standard rate would be seprate groups. We refer to Brew groups as transaction categories. Al Bte end of each I>udng period. we mrnpute PerioQrc Finance Charges to each day of the bung period for each trensecBon category We use Ute fallowing equation to compute Periodic for each transaction category. Aterage Oaly Balance x nrsttber of days in the bd'ing period x tleily Periods Rafe. (See the finance clmrge summary on your statement br tltese arrroals.) Tlten vre add up the Pariodio Fmence Charges for each trartsaclion category to yet the brat Periodic Pittance Charges for your Accoratt. The average Daily Balance is shaMt as zero rf, because of /te grace peed, ra Petioda Finance Barges spay b the balance xt a bartsacEbn category. We use Ne Average Daly Balance (aakdatg clew tranaectbrrs) meBtod o9 cabWatelg the balance upon which vre impose Parodic Fnance Charges. We compute the Average Oaily Balance fan each transaction category by eddutg up ad the daffy balances err a #~rtg period for a iwraedion category and divdug the total by the rxartber of days in the biLttg cycle. We mmpute the ddiy hence fa each ttansaction category an eadr day by fxst adding the fobwatg to the previous days daily balance, transactions made that day, tees charged that day and Parodk Rrance Charges acdued on that day 11 a transaction is posted b yaurAmamtaller the cbse of are filirg period in xAtidt it omurs, we wal heal the transaction as havktg omtxred on the firs! day of the MAng period in udtich R is posted to yoterAmatnt. AA fees dtarged to yourAcceunt are added to ffie standard purdtese Iransectron category widt the excepfan of Cash Advance Tmnsadion Pea Finarae Charges which are added to the applicable c~sit advance transeGiat category end 8atertce Transfer Transaction Foe Firtarae Charges which ace added b the applicable balance lrenskr trartsadion category. When are special rata expires, we mane the unpaid lwbtae of loo ltalance transfer and the Balance 7ransfa Transaction Fee Finance Charges b the slardard prmdtase transaction category. However, if Bte specal rate has been terminated under the Defaud Rate Plan, we leave the uryraid balance of the balance transfer and ate Balance Transfer Transaction Fee Finance Charges in the applicable transaction categrxy umi the specal rete vrould have expired. For TDD (Telecommunications Device for the Deaf) assistance, call 100.347-7449. Discover may monitor andla record Eelephate calls betwcen,you and Discpver r~resentadves for quality assurance purposes 7ne Dismverecard is issued byDiscover Bank, Member FDtC. 01TBK107 DISCOVER tt P°n rO, KENNETH GENTRY S Account number ending in 9139 Announcing Pending ?ransactions! You asked, we listened. Cardmembers can now Yield pending transactions online! Check your purchases in realtime io stay conneded to ycxir account like never before either online or using your mobile device. !Ag In t0 y0ur QCCOUnt at Discover.com from your lopbp or your mobile device and see for yourself! ®2012 Diuov°r Bonk, p4em6°r FDK ~.;- : - - Closing Rafe: June 11, 2006 page 2 of 3 Information For You Congratulations! Your Accovrtt credit limit has been increased to $8,600.00. Congralulationsl Your Account's cash credit limit has been increased to $4,400.00. Congratulations to the 2006 National Discover(R) Card Tribute Award(R} Scholarship winners: Jacqueline Reuter, Stephen Carlson, Winter Downing, Tyler Fortney, Betharry Lyon, Monika Mockow, Desiree Nelson, Seth Robinson, William Stone, and Tess Stoops. Each won $27,500 for post high-school education or training. Visit Discovercard.eom/tribute Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES G current billing period: 31 days }'urchases $867.04 0.0712 } % 25.94% V 25.999'° $ } 9. }4 $0 Cash Advances $0 0.07121% 25.99% V 25.99% $0 $0 Balance Transfers $5067.34 0.01068°~ 3.90% F 3.90°,6 $16.76 $0 previous billing period: 30 days Purchases $75.74 0.07121° 25.99% V 25.99% $1.62 rwne The rates that apply to your Account are either Fxed (F) or they may vary (V} as noted above. QUeSt10I1S? Manage your account afi Discover.com or tali 1-800-DfSCOVER (1-8a0-347-2683. DISCOVER Closing Date: KENNETH GENTRY June 11 2006 Account number ending in 9139 page 3 of 3 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: October 11 Balance Previous Cashback Bonus Award Balance ~ g,qq Purchase Award This Period + 4.78 Cash ack Bonus Awar Total 13,77 Cashback Bonus Award Balance Award Available to Redeem 13.77 $ 0.00 Resfridions apply to thg Cgqaahback Bonus Padr~er offer visit Diuowr-cam, or call 1-800-DISCOV9t (1$00.347.2683) for details. For program details, sea the Cashback Bonus grogram Terms and Conditions. - --- --~--_~-- --- -ter- -- New Balance Minimum Payment Due Account Number ending in 9139 ~~SC~VER $7,170.20 $143.00 Enter AmountEncbsedBelow Payment Due Date August 10, 2006 please make cheek payable to Discover Platinum Card or pay online ~ Dixovercard.com. 11 SDSN6A01 0013608 Text APP to DISCOV' to receive a Ilnk to our KENNETH GENTRY free mobile app and pay your bill In seconds 22 ASHBURG DR from anywhere) MECHANTCSBURG PA 17050-8203 PO BOX 71084 Illmllnuullnrl~lnlrl CHARLOTTE HC 28272-1084 Address, small or telephone ehangeB Print change in space li~~r~~rr~rri~~l~rrr~r~`r~rir~lllrirlrrlrr~rr~~rrlir~ri~rlri~l above, or go to Dixover.com. Print your small address to receive important Account information and special offers. OOD001986458932953553071702DODOODDD001430D Discover Platinum Card Account Summary Closing Date: July 11, 2006 page 1 of 2 Account number ending in 9139 Previous Balance $6,448.06 Payment Due Date August 10, 2006 Payments And Credits 182.00 MinimumPaymenlDue $143.00 Purchases + 845.10 Credit Limit $8,600.00 Cash Advances + 0.00 Credit Available $1,429.00 Balance Transfers + 0.00 Cash Credit limit $4,400.00 Finance drarges + 59.04 Cash Credit Avaibble $1,429.00 New Balance = $7,170.20 You maybe able to avoid Periodic Finance Charges, see the reverse side for detoils. Ccshback Bonuse Opening Cashback Bonus Balance New Cashback Bonus This Period $ 13.77 + 3.86 Cashback Bonus Balance $ 17.63 Cashbbek Bonus® Since Anniversary Monih actober: $10.72 Cashback Bonus(R( is America's #1 Cash Rewards Program) Fult 5%Cashback Bonus on Gat More purchases in popular categories throughout the year and up to 1 %Cashback Bonus on all your other purchases. 1. Visit Discover.com to pay your bBf for no cost, view our How Can We Heip You? latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easyselLsarvice options or to speak with a Customer Service Account Manager Please have your Dixover Card available. 3. Write us of Discover Card, PO Box 30943, for TDD (assistance for hearing impaired) sae reverse side Salt Lake City, UT 84130 Transac#ions $0 Fraud liability Guarantee Use your Dixover Card with confidence. Trans. Post Date Date Payments and Credits Jul 4 Jul 5 VICTORIA SECRET 804888.1500 OH $ -52.00 Jul 7 Jul :7 INTERNET PAYMENT -THANK YOU -130.00 Merchandise/Reta~ Jun 14 Jun 14 TARGET T•i 254 HARRISBURG PA 35.74 Jun 14 tun 14 WAL-MART SC - #1886 MECHANICSBURGPA 43.65 Jun 16 Jun 16 V{CTORIA SECRET 804888-1500 OH 86.45 Jun 19 Jun 19 CVS PHARMACY 1624 HARRISBURG PA 30.00 Jun 21 Jun 21 OID NAVY #5348 CAMP Hlll PA 35.00 Jul 7 Jul 7 KIRKLAND'S #282 CAMP HILL PA 62.02 Restaurants Jun 10 Jun 12 VIVA GOOD LIFE WYOMISStNG PA 148.03 Jul 3 Jul 3 DUKES RIVERSIDE BAR8~GR WORMU:YSBURG PA 59.70 Jul 4 Jul 4 BOB EVANS REST #0281 CARLISLE PA 54.27 Gasoline Jun 15 Jun 15 EXXONM081L PXE4875 HARRISBURG PA 5.52 750 421 033 2 Jun 23 tun 23 GIANT FOOD STORES #5 MECHANICSBURGPA 36.00 Travel/Entertainment tun 12 Jun 12 SHERATON HOTELS BERKSH WYOMISSING PA 16.52 Servicos tun 14 Jun 14 DA-VI NAILS MECHANICSBURGPA 22.00 Sign up now and get 5%Cashback Bonus(R) with the Get More program when you use your Discover(R) Card to buy fall essentials. Visit Discovercard.com or call 1.800AISCOVER {1.804347-2683). -_ ~ - .r - - Important Itdormation. a Otero is mare than one page b shis biht9 statement, see the tiedc d eadt page for add'fiaial inporratt information. See your Cardmember Agreement Yow Cardatettatet' agreement wnWins a111he lama of yorh Account. Lost or stolen rands. Repod immedretely! Cab1.8043472683. B6lirtg Rights Summary, hCase-ot Erse a (Arestiorts About Yar Bii: It. think yore h~ is wrong, a'rf you treed more iMamaam aborA a tranetdron an your Ni, write to on a separate siteel of paper at Dscover, PO Box 30421, Sak lake Ciry. UT 64130-0421, as soon as possdale. We must hear tam you no later elan 80 days a6er vve sent you the first bit on which doe error a problem appeared. You can telepftone tts, bli deg so wdl rtd preserve your rights. In your taker, give its doe tdbwing information: • Your trams and Account number • The ddhr amoud of the suspeded error • Describe the error and explart, a you wn, why you beGaYe tlaere is an erne. kyou need mare infamaiat; desate Ste ism you are txrstse about. You do roof have b pay asy amount in grrtxtion vatde vre ate investigating. but you ace std b the As of oru biU rtrat ass not in question. we cavtot report you as deingrreM a lake any eclat to ruaed ate amotmt ~ ~ Pa Y question, Wtile vre itwerrigale your you question. Special Rate fa Credk Card Purchases: if you have a probktn wiat the quality nt goods or services Thal you purchased vriat a aeeit card and you have tied h goad faith to oared the problan with the merchant, you may not have b pay the remehirg mnouM due on the goods a services. You have This pmtedbrt onty when the purchase pace was more than 550 and Ute purchase arcs made in your sears seta a within tfl0 mks of your ntaifag address. (k we own or operate Ste marchers, or if we mailed Yce ate advertisement for the good a services, aH the prrchase are covered regaMless of the arrraant a bcaaon of the purchase.) Payments. Send only yorr payrnatt and the top portion o11he statement in the envebp provided. Do riot stud cash. By serdiag your check as described above, You authorize us to vse information on your dcecc to make and asectrartic hxhd treater from your accauM at the tnandaf infiMiat indicated on your check or to process the payment as a check trazrsaction. ff the payment is processed as an elearorric futrd transfer, the transfer wAbe fa the amowat of Ole check What we use intommaton from your check to make an electronic fund imnkr, funds may be wiaxtawn from your account as soon as the same day wa receive your payment, and you will not receive your check bade hom yow 6nandal inlitution. The processing of yeti payment maybe detnyect d you send cosh, mru;spamclence or otiw..r items wiat yen payment, if yet seiul tlma payrrrnt to any other address nr it You uw.an _ -- envelol>e other than ate one provided. Payments received h proper ram et our processing tarbty bi' SPM local time on any doy mi be aodiled to your Account as of That day. Payments received a au processing fa6kty attm SPM bcal timte w8 be credited b yourAccount as of the next day. If you t~ve misplaced yore envelope, send your payment to Discover, PO Bcx 6103, Card Stream, fL 60197.6103. Please albrv 7-10 days (a delivery If your payment is resumed unpaid, we reserve the right to resrdtmii it as an electronic debit. You can pay your minimum pa}ntaatt or a greater amoun! ova the telepharte, end you can set up automatic payments. Call us at 1-800-3472683. You wil3 need tfws statement and your bank aaouM information. You must ensure Ihet suff~iant funds ere available in your boric accor4u, and all Iransecfions must compty with U.S. law. You will be asked to pradde the hrst 5 digits of you account statement ZIP code. 8y entering Utose numbers as your riettrnthiC sigrtebre, you Drill be agreeing b tNs authorization a slow ins and yore bank to deduct each payment you auatorizefrom your boric account, and b ingiate debit a aedd entries Po your bank account, as applicable, b corned error in the processkg of such payment. You must leg n the amount of each payment, a you can sated en amount such as Mhhum Payment Due a the New Balance on each statement: You wn cancel a Payment, however we must receive ratios et least three bustrtess days h advance of are sdtedtied payment You may slily us by pftase at 1-600347-2683 a by mad at the address ksted in the previous paragraph. k your payments may very in amours we wit lei ynu on each monaiy statement when yore payment wsl be made and haw much i wid be. Your Automatic payment amount maybe less rhea tlta indicated on the mon0iy statement based on credits a payments applied during are li9irg cycle. Credit Reporting. We may report iniormation about your account to credit bweaus. Lela payments, missed payments, or other defaults on your account maybe reflected in ycur credit report. we nomtatly repel the status and payment history of your Account to credit reporting agencies each month. If you bekeve that our report k inaccurate or incomplete, please xvite us at the fdlaving address: Diswva, PO Box 15316, whringan, DE 198505316. Please include your name, address, home telephone number and Account number. PERIODIC FINANCE CHAGES. F+erioda Finattoe Charges are imposed on aitrenserxions from the date the.transadiort ~ pasted to yourAccount anal the date you pay your enfire New Bahrtce, by making payments a rece'wing aerkts. Havever we wit provide the idkwr'utg'grace period' Ir you pmd the New t?elanrs on your pervious bdirtg statement by the Payment Due Date shown on that statement and you pay the New BaMrse by the Payment Due Data on tltis statement vre wd rat inpose Periodic Fktance Charges on rtew purchases, that is, purchases first appearing on this sfaterttent Otherwise, you wtll receive a biting statement next metal aret includes Periodic Finance Charges on !hose new purchases. There is ra grace period on balance treaters a cash advances we sort you irertsactron nto groups of purchases, rash adv~ces, ant balance ranters and then (urtha sod tla trarrsadion witlin each group q' UteirAatuel Percentage Rate. Far example purchases st~Cl to a prorrtoaonai rate and purchases sa~ject to standard rate would be separate rxa s. we refer b these r end of each bilin 9r p 0 ~ as lrarsaction categories. At sae g perod, we campuk Periods Parente Charges for each day d the bilstg period fa each tratsacton caegory. We use the foiowing equefwn to compute Periodic fa each transaction celegory. Average Daly Balance x number of days in the haling period x Deity Periods Rate. {See the firmnce ritarge summary on yorr statement fix these antounis.l Then we acid up the Periods Finanra Charges (or Ada transadan category to get aha total Periodic fittartce Charges fa yore Accamt The avaage Daly Balance is shown as zero rf, beceuse of the grace period, no Parodic Fxtance Chagas apply b the bdence in a Iransacfion ategory. We tie doe Average Daiy Balatce [xsludsg new transactions) method of catctiaang gee balance r8,on which we frt>fase Periodic Finance Chagas. We compute 1heAverage Daily Balance to each tasnsacion category by adding up all gee daily betarrxs h e bdfing period far a Transaction celegory and dividdg the hies by the nunimr d days in ate biphg cycle. we compute the daily balance fa each lranactiar category on each day by first addmg the feiowatg m the previous day's daily balance, transaction made that day, fees charged eta day and Periodte Finance Charges aaaued on ataf day If a hansadiort is posted a yrourAccotxU after the cbse nt arc tiling period in which it ocwrs, we wit heat the transaction as having ocercred on sae fustday of the bilhg period h which Ris posted to yourAocount Aa tees charged to yovAccounf are added b sae standard padrase hanadion category with the exception of Cash Advance Tmrts~tbrt Fee Finance Charges whidt are added to the app8cetie cash advarca fransactiort category and Relates Transfer Trenaclon Fee Furanoe Chagas wlsch era added to the applicable balance transfer ransacton category. when ate special rate expies, we move the unpaid bahnce of she bnterse trarisEer and the Baraae Treater Trerrs+sdton Fee Palates Charges b the standard purctrese hansactiat category. However, rf ate specie rate has beers terminated under the Dehtult Rafe Flan, we have the tarpaid balance of the balarra transfer and the Balatce Trertsk:r Tansaction Fee Finance Granges in the applicable trartsacion category anti Va special rate would have expaed. Fa TDD (Tekcanmutiatione Device fax the Deaf saaistance, calf 1-800.947-1449. Discover may monitor ands remrd teleptarte calls betweertyou and Oisoover representatives for qualty assurarse purposes The DiscoveF' card ro issued by Discover Bank, Member FDIC. OiTBK107 DISCOVER Ch pays ro KENNETH GENTRY DISC Account number ending in 9139 Announcing Rending Transactions! You asked, we listened. Cardmembers can now View pending transactions online! Check your purchases in realtime to stay connected to your account like never before either online or using your mobile device. Log in ro your account at oiscaveroorr, from your kapfop ar your mobile device and see for yourself! ®20S 2 Diamrer Bank, Member FDIC s ~. Closing f)ok: July 11, 2006 pogo 2 of 2 Supermarkets Jun 13 Jun 13 GIANT FOOD STORES #252 HARRISBURG PA 49.58 Jun 20 Jvn 20 GIANT FOOD STORES #035 HARRISBURG PA 34.30 Ju18 Jul 8 GIANT FGOD STORES #005 MECHANICSBURGPA 126.32 Information For You Shop confidently. Your Discover(R) Card has you covered with Complete Fraud Protection for your peace of mind. With our advanced fraud warnings, you'll know right away iF any wspicious activity occurs. And if someone makes fraudulent charges with your card, our $0 fraud liability guarantee means you're not responsible. Check out Shop Discover Card at Discovercard.com/shop for discount offers from your favorite online retailers. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fes Daily Periodic PF3tCENTAGE PERCENTAGE FINANCE FNANCE Balances Rates RATES RATES CIiARCafS CHARGES current billing period: 30 days Purchases $2019.12 0.071219'0 25.99% V 25.99% $43.14 $0 Cush Advances $0 0.07121 % 25.99% V 25.99% $0 $0 Balance Transfers $4964.74 0.01068% 3.90% F 3.90% $15.90 $0 The rates that apply to your Account are either fixed (F) or they may vary IVj as noted above. QU@Sti0115? Manage your account at Diseover.com or call 1-800-DISCOVER (1-800-347-2r583~. DISCOVER 11 SDSN6AOS 0013608 KENNETH GENTRY 22 ASHBURG DR MECHANICSBURG PA New Balance Minimum Payment Due Account Number ending in 9139 57,744.25 $154.00 _ Enter Amount Enck>sed Belaw Payment Due Date ~ ~~~~ September 10, 2006 Please make check payable to Discover Platinum Card or pay online ~ Discovereard.rnm. 17050-8203 Text APP to DISCOV* to receive a Ifnk to our tree mobile app and pay your bill In seconds from anywhere) PO BOX 71084 lllurllrirnrllrnlllrrlrl CHARLOTTE NC 28272-1084 Address,a-mail ortebphoneehange$Prinlehangeinspaca Iril~lliili~ij~l~~nliil~luilll~ri~lrilirliill~ilnliililr~~l above, or go ro Discover.com. Print your e-mail addreu to receive important Account information and special offers. 000001986458932953553077442500000000015400 Discovler Platinum Card Account Summary Closing Date: August 11, 2006 page 1 of 2 Account number ending in 9139 Previous Balance $7,170.20 Payment Due Date September 10, 2006 Payments And Credits - 398.70 Minimum Payment Due $154.00 Purchases + 896.92 Credit Limit $8,600.00 Cash Advances + 0.00 Credit Available $855.00 Balance Transfers + 0.00 Cash Credit Limit $4,400.00 Firance Charges + 75.83 Cash Credit Available $855.00 New Balance $7,744.25 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cdshbcck Bonus® Opening Cashback Bonus Balance $ 17.63 New Cashback Bonus This Period + 5.42 Cashback Bonus® Since Anniversary Month October: $16.14 CONGRATULATIONSI Your Cashback Bonus(Rl is waiting for you. Visit Discovercard.com or call 1-800-DISCOVER (1.800.347-2683) to get your share of America's #1 Cash Rewards Program. Cashback Bonus Balance 23.05 How Can We Hel YOU? 1 • Visit Discovsr.cem to pay your 61i for no cost, view our P latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Cal! 1-804D1SCOVER (347-2683} for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Carol available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance For hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud liability Guarantee use your Discover Card with confidence. Trans. Post Date Date Payment: and Credits Jul 13 JuI 14 TM *ASHLEE SIMPSON 215336-2000 NY $ -146.55 PHI 1 54529-401 3 3 Jul 16 Jul 18 IOWE'S #2223 MECHANICSBURGPA -104.94 Jul 19 Ju120 WAL•MART SC - #1886 MECHANICSBURGPA -4.21 Aug 10 Aug 10 INTERNET PAYMENT -THANK YOU -143.00 Merchandise/Reta~ Jul 10 Jul 12 MICHAELS #2021 HARRISBURG PA 13.20 Jul 11 Jul 12 VICTORIA SECRET 800.888-1500 OH 18.00 Jul 12 Jul 12 VICTORIA SECRET 804888-1500 OH 21.00 Jul 17 Jul 17 WAL-MART SC - #1886 MECHANICSBURGPA 61.18 Jul 19 Jvl 19 WAL-MART SC - # 188b MECHANIGSBURGPA 75.03 Aug 8 Aug 8 OLD NAVY #6550 HARRISBURG PA 35.00 Aug 8 Aug 8 OLD NAVY #6550 HARRISBURG PA 26.50 Aug 8 Aug 8 TARGET T-1254 HARRISBURG PA 42.03 Restaurants Aug 5 Aug 5 OLIVE GARDEN 1471 HARRISBURG PA 51.60 Supermarkets Aug 9 Aug 9 GIANT FQOD STORES #252 HARRISBURG PA 12.49 Home Improvement Jul 16 Jul 16 IOWE'S #2223 MECHANICSBURGPA 256.3? 1ul 16 Jul 16 LOWE'S #2223 MECHANICSBURGPA l 10.24 --~- - - _ , -- ~ r Important Informatan. If there is rose hen one page ro this tklErg statemertk see the bad[ of each page fa additional important mtamation. See your Cardmember Agreement. Your Cardmember agreement corsairs a8 the terms of your Aocoutt Lost or stolen cards. Repot ervnedately! Call 1800.347,2683. Billing Rights Summmy. In Case d Flrors a QttesUons Abort Yala Bile. If you hiMc your bib is wratg, a ff ya need more infaurnabon about a transedan on yourlag, write us on a separate sheet d papa sl Discarer, PO Boti 30421, SaN lake Ciry, t)T 841340427, as soon as possitrk. We mrst hear 6ont you tto later Uten fi0 days afterwe sent you the first fill on which ftte error a problem appeared. You cat telephone tts, Ma doing so wit trot preserve your rights. to your letter, give us fie folawirrg idamation: • Your name and Account manta • The do4x amount of the suspected errs • Desaibe Rte error std exptaiut, it yw tom, whyya, believe there is an ens: H you need moreirdotmalion, descrbe Rteifem you ae tmsue about Yau do not have to pay arty ernant in question whUe we are investigatirg, but you are sal obligated b pay the parts of your bill that ere not in quesoon. While we ktvestigate yorr question, we carrwt repalyar as detirtquent a lake arty ar4ion to wUeet the amount you question SpeetM Rate fa Credit Card Purchases: 8 you have a problem with the gtmfily dgoods a services That you ptxchased KMh a credit cant and you here tried in good aih to cortec4 the problem with the merdtatt, you may rot have to pay Rte remaining smarm due on the goods or services. You have this protecbon only when the ptat:hase price was rase hen S50 and Rte pothole was made in you home state a wuhh iQ0 miles of your rnaiUr~ address. (If we own a operate the merdtant, a it we matled you the advertisement for the good a services, all the purchase ate covered regardess of the amous a bcation of the puchase.) Payments. Send only you payrrwn! and the top portion of Rte statement in the envelop provided. lb nd send cash. By sendirg your check es desaibed above, you auUtorize us louse atfamation on you check to make and ekcuenic fund Iradsfer from your account at the financial insidutian indicated on your check a to process the payment as a check 1raD5aCtinn. tf the payment is processed as an electrorc fund ftansfer, Ute vanster w41 be far the amount of the ctreck. When we use intortnation from youra'>ECk to make an electronic fund transfer, funds may be withdrawn homyrou account as soon as the same day we receive your payment, end you will not receive you credt back from your brranraal InsiitUti0n. The processing of your payment rttaybe delayeA if you send casft, oarrespondence a other items with your payment, if you send the payment to any other arkke5s a if you use an envelope other Ulan fire one provided. Payments received in proper form et our processing facdAy by 5PM bcal tkne on any day will be acdited to your Accamt as of the! day. Paymems received at our processir~ tacikty after 5PM bcal time wdl be credited b yaurAccotxtt as of the next day. If you have misplaced your envektlte, send your payment to Discover, PO Box 6103, Carol Stream, IL 601975103. Please albw 7-10 days fa delivery. If you payment is recurred unpaid, wa reserve the right to resubmit it as an electronic debit. You can pay your ntinimunt payments a greatetamounl over the telephone, end you can sat up automatic payments. Cap us at 1$00-3472683. You will need this statement and your bank accorrtt infomrasion. You must ensue that sufEigenl funds are available in your bank account, and ah transacGOns must comply with D.S. law. You will be asked to provide the fast 5 digtls d you aceamt statement ZIP code. BY eMerYtg those rarmbers as your electronic signaWre, yeu w>71 be agreeing to this euthotizaUon to apav us acct you bank to deduct each payment you etttlwrize from your bank eccatnk std b insiate debit a aedit entries W you bard[ account. as applicable, to cartect ens let the processing of such paymenE. You muss tel rvs the amount dea~h payment, a you cat select an amount such as Mnimum Payment Due a the New Balance on each statement: You can cancel a paymenk.Irowever we must receire rtoUce a least tlxee business days in advance d the sdredrsad payment You may nobly us by phone at 1.800347-2683 a fry malt at the address fisted in the previous paragraph. If your payments may vay in arnotstl we wilt teA yaw on each madttly statement when your payment will t>e made and hav much it will f>e- Your Automalicpayment amount may be less then Rte indicated an the monthly stalemeM based on rredts a payments applied Maing the baling cycle. Credit Reporting. We rniay report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your aceourt may be rei;ected in your aedit report. We rtamtatry report the status and payment history d your Aceaatt to aede repabng agencies each month. I(yeu believe that our report ks inaccurate or etcomplete, please write us at the fdloeving ad<tress: Discover, PO Box 15316, Wikrdngton, DE 198505316. Please Include your name, address, home telephone number and Account number, PERIODIC FINANCE CNAGES. Periodic Faeerrce Chagas are imposed ar at oansactions ham the dale the transaction is posted to your Account unti} the date you pay yow entire New Baiartce, by making payrrterss a receiving aedits. tbvrever, we will provide the foUawvg"grata period` if you paid the New Balance on your pervious bifng sfatemeM by the Payment Dtre Date shown on That statemenk acct you pay the New Balance by the Payment Oue Date on Uris statement we wio nd knpose Periodic Finance Charges an new purchases, that is, pvrdsses first appearing an Kris slatemertt Oherwise, you oral receive a b4ktg statement next mmdt that itdudes Periodic finance Charges on !hose new potholes. There is nolF'~ period on balance transfers or cash advances. We sat you trasedions etb grasps at purdtases, test[ advances, and balance transkrs and then furt}ta sort the trartsections wUhin eadt group by tlleirArrtual Percentage Rote. Fa example pudteses subject to a prorttoliortd rate and ptrdtases sibjed to standard rate would be separate groups. We refer to Rtese groups as lransacUon categories. At the ern! of each billing period, we eanpule Periodic Finance Charges for each day d Rte bs8ng period fa eadt Irensaciion category. We use the fogowing egtratiat b compute Periodic fa each tansactioi ce4egory Average Daly Balance x number of days'vt the biding period x Derry Periodic Rate. (See the brtartce charge summmy on you statement to these antotxtls.y Then we add up the Parodic Fktance Chagas for each transaction category to gel fire brat Periodic Finance Chagas fa yrotv,Accounl The avemye Daa1y Balance i; sham as rem f, because of he grace pedal, no Periods; Finance Charges apply b the bdarlce in a trarsaclion category. We use Ute Average Gaily Balance (indudstg new baaseaiats) meUad of rakxAetibrug the balance upon whch we irroposa Periodic Finance Charges. We oomPuta the Average Defy Balance to each transaction category by adrfing up all Rte day balances in a 9 period for a transBq+On category and dividutg the total by ttte manber d days in the bipitg cycle. We compute Rte daily balance fa eadt transaction category an each day by first addng the fofiowing to the previous day s daily balance, transactions made that day, fees dtarged Ural day end PeriaUc Finance Chary)es located on Drat day. If a hansaaiort is polled ro you Account after the cktse d the bf fog period in xdrith d oawrs, we w91 heat the tansaction as hating occurted an Rte fret day d Rte b~mg period'm wftich R is posted to yanAooounl. All tees ctsrged to yaaAccarnt are added ld the standard purchase lrarsaction category with the exception of Cash Advance Trartsagion Fee Finance Cfmrges vdtich ere added to the appfcable cash advarwe transaction category acct $elarwe Transfer Tratrarctim Fee Firwnce Chagas which are added to Rte eppficahle balance Varsfer trarsedion categoy. When the 5pead rate exptrea, we move Rte urtpeid balenae of Rte batettoB transfer and the B~entce Transfer Tranmdwrt Fee Finance Charges to the standard purchase tansaction category. However, if he spedd tale has been tennirated under the Default Bete Plan, we leave the unpaid balance d the balance banstaand Ute Balance Transfer 7mnsaction Fee Ference Charges in the applicable transaaiort rxtegory utUl Ute spatial rate would halve ezp"ved. Fa TOD (Tetscammuntcatias Device [ot the Deaf) asalstance, ca111B0U-347.7449. Discover may manta andWr recad telephone celh behveenyau and Diswver representatives for quality assurance purposes The Discover° cant is issttod by Decorer Bank, Member FDIC. O1TBK107 DISCQVER r hpaysto KENNETH GENTRY ~SC , Account number endin8 in 9139 Announcing Pending Transatfiions! You asked, we (rstened, Cardrnembers can now VIeW pellCling transactions online! Check your purchases in realtime to stay connected to your nccount like never before either online or using your mobile device. I,,og !n t0 yoUir CCCpUnt at Discaver.com from your loptop or your mobile device and see for yourselfl c~zot2 a~~ t~,k, nib°rr:oic Closing Dale: August 11, 2006 page 2 of 2 Home Improvement Jul 17 Jul 17 LOWE'S 522 HARRISBURG PA Jvf 2$ Jul 28 LOWE'S #2223 MECWANICSBURGPA Jul 29 Jul 24 LOWE'S 522 HARRISBURG PA 22.15 109.98 42.21 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0,01342%; corresponding ANNUAL PERCENTAGE RATE: 4.90%. Rate is subject to the terms of the offer including expiration. Save time and a stamp this month by paying your bill online at Discovercard.rnm. Make a onetime payment or schedule payments in advance up to your due date, whenever it's most convenient for you. To find out about our free and flexible online payment fealures, visit Discovercard.com/payments Discover Financiol Services is once again proud to support the Juvenile Diabetes Research Foundation's Walk to Cure Diabetes. Help us raise even more money to fund research For a cure by participating in the Walk or donating your Cashback Bonus~R) to JDRF. A cure is within reach. To learn more, visit Discovercard.com or www.jdrf.org Finance C!>targe Summary Nominal Transaction Average Doily ANNUAL ANNUAL Periodic fee Daily Periodic PERCENTAGf PERCENTAGE FINANCE fTNANCE ale s Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $2706.38 0.07121°k 25.999'° V 25.99% $59.74 $0 Cash Advances $0 0.07121 % 25.99% V 25.99% $0 $0 8alanceTransfers $4863,16 0.010689'° 3.909'e F 3.90% $16.09 $0 The rates fhaF apply to your Aceourd are eifFrer fixed ~I or they may vary M as noted above. QUe5t10i11S~ Manage your account at Discover.can or j call 1-e0e-DISCOVER (1-800-347-2683). >'V IJ~~VER• New Balance Minimum Payment Due Account Number ending in 9139 57,672.97 S 152.00 ~ Enter Amount Enebsed 8ebw Payment Due Date October 10, 2006 please make check gyaable to Discover Platinum Card or pay online ~Discovereard.com. 11 SDSN6A01 0013610 KENNETH GENTRY Text APP to DiSCOV" to receive a link to our 22 ASNBUR6 DR free mobile app and pay your bill in seconds from anyvrheret MECHANICSBURG PA 17050-8203 PO BOX 71084 ~~~nr~lunnl~ur~llu~sf CHARLOTTE NC 28272-1084 Address,e•mailortelaph°nechange4Printchangeinsp°ce („(~~Irrlrrrlrl~iri~ii~r~rrr~l~lrrr~~r~ulrrllrrlrili~lr~ril~ above, or go to Discover.com. Print your a-mail address to receive important Account information and spacial offers. 00000198645893295355307b72970DD00000015200 Discover Platinum Card Account Summary Cbsing Date: September 11, 2006 page 1 of 2 Account number ending in 9139 Previous Balance $7,744.25 Payment Due Date October 10, 2006 Payments And Credits - 154.00 Minimum Payment Due $152.00 Purchases + 0.00 Credit Limit $8,600.00 Cash Advances + 0.00 Credit Available $927.00 Balance Transfers + 0.00 Cash Credit Limit $4,400.00 Finance Charges + 82.72 Cash Credit Available $927.00 New Balance $7,672.97 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Ca3hbiick BonusQ~ Since Anniversary Month October: $16,14 Opening Cashback Bonus Balance $ 23.05 New Cashback Bonus This Period + Cashback Bonus Balance $ 23.05 How Can We Hel YOU? 1 • Visit Discover.com to pay your bRl for no cost, view ur P latest Account information, earn and redeem rewardsoand more ~t'S your choice - 3 ways to help 2. Call 1-800.DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side SaN Loke City, UT 84130 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. Trans. Post Date Dnte Payments and Credits Sep 8 Sep 8 INTERNET PAYMENT -THANK YOU $ -154.00 Information For You The address provided in your Cardmember Agreement to request a beneficiary designation form for your Scheduled Air Travel Accident Insurance has changed. The new address is AIG Accident & Health Division, 300 South Riverside Pfaza Suite 2100, Chicago, Illinois 60606-6613. Balance Transfer offer For current billing period: Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE RATE: 4.90q°, Rote is subject to the Terms of the offer including expiration. Finance Charge Summary Average Daily Nominal ANNUA! ANNUAL. Periodic Transaction Fee Daily a a ees Periodic Rates PERCENTAGE RATES PERCENTAGE RATES FINANCS CHARGE F~ CE - C GES current billing period: 3 i days Purchases $3038.90 0.071219'0 25.99% V 25.99% $67.09 $0 Cash Advances $0 0.07121 % 25.999'° V 25.99% $0 SO Balance Transfers $4725.40 0.010689'° 3.90% F 3.90% $15.63 SO The rates that apply to your Account are either fixed (F) or they may vary (u) as noted above Get 5%Cashback Bonus(R) from October to December at restaurants, movies theaters and rental stores; and on books, music and everything else at AMAZON.COM, Barnes & Noble, Borders(R), Circuit City, Crutehfield(R) Napsfer(R) and Waklenbooks(R}. Sign up for this Get More program at Discovercard.com or 1-800-D15COVER (1.80Q347-2683). '~--sc---=~ar~-- - =-Tf- Importantlnformatton. N (here is more than one page to Bore sbtemeM, see-the back of each page fa addiliorial important edamaDon. See your CardmemberAgreement.YourCardmemberagr~eemenlcontaetsall0akmnsoiyourAccount. Lau a stolen cards. Repot irnrtrediatety! Catl i-800J47-2683. Billing Righb Summary. In Case of Errors a (AresBoruAbaR Yow Bip: N you Bunk your ~ is wrong, or if ynu need mare information about a transaction on your bill, wrik us oh a saparak sheet of paper at Disoover, PO Box 30421, Sale Lake f.5ty, UT 84130-0421, as soon as poasibb. We moat hear Irom you ra titer titan 60 days afterwe sent you 8re lust bill on whictr the error a problem appeared. You can telaphene us, but doing so vafi rat preserve your righ6. In your k8er, rve us the f 9 A uttonrtatbn: • Your name and Account number • The do8ar amount of the suspected anon • f?escnbe the errs ant explain, N you can, why you believe (here is an ens. I(you need trace information, descnbe the item you are tauttre about. You do rat have to pay any anauM in gtresion while we are kwestigafng, bulyou are still obligated tc pay the parts o(yar hi8 that are not in queslan. While we irwesfigate yow question, we carnal report you as delinquent a take airy action to cdted Ste amount you gtestion Spector( Rak for Credit Card Purehasea: H you have'a problem wih the quality of goods a services that you purchased with a aedit card end you have tried in good fahh le correct the problem with the merchant, you nwy rat have to pay the remaining amount due on the goods or services. You have this lxakction only when the purchase price was mare than 550 and the puchase was made in yow home shale a withn 100 mice ct yow mrnTmy address. (If we own a operak Qte merdtant, a iiwe nreied you the advertisement fa the good a services; all the purchase are covered regerc8ess of the amowt or bcation of Ste pucchase.) Payments. Send only yow payment and the lop portion of the statement in the envelop provided. Do rat send cash. By sending your check as desuibed stave, you auhorize us to use infornutlon on you check to make and electronic turd tansfer from yow accowa et the financial instiitr8on indicated on yon check or to process the payment as a check ransacton. If the payment is processed as art etectronic land transfer, the transfer wiI be fa the amotau of the check. When we use information tram your cf:eck to make an electronic rued transfer, funds may be withdrawn from your aceoW as soon as the same day we receive your payment, and you will not receive your check bade horn yow financial restitution. Tlmptr.:,cssingofyourpaymentmaybedelayeeii(vouxend.GSh,uxiespondertcaaralo~tritemstt4lhyourpayr:not,Ayaiundthe~PayrnenttoanyMMraddrassnrd.yottusAat .... envek>pe other than the a ~e provided. Payments received th proper form et ow prooesskg tadity by SPk4 local bore on any day will be credited to your Account as of that day, Payments received at ow processing faciiy after 5PM bcal time will be aedited to yowAccouM as d the next day, tf you have misplaced your orwekpe, send yow payment to Discover, PO Box 6103, Gard Scream. Il 60197.6103. Please allow 7-10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debt. You can pay your mktirrxmt payment or a greater anaunt over the telephone, end you can set up auhxnatic payments. Callus at 1.800-3472683. You wi6 need this stakrrtent and yow bank amount information. You nws(ensure that suKcienf funds are available xt your bank account oral all transacfions must oongly with U.S. law. You vria be asked to provide the first 5 di~is of you BccouM statement ZIP code. By entering those numbers as your electauc signature, you will be agreeing to this authorization to a8ow us and yow bank b deduct each payment you authorize tram yow bank arrant and to eMiak debit a aedi entries to your bank socount, as applicable, b correct error in the prooessing of such payment. You moat till us the arrant of each payment, a you can sated an amowtt such as Minirmrm Payment Due a the New Balance on each statement You tarn cancel a Payment, havever we mtst receive notice at least three bttsiress days n advance of the schedtrled paymerd. You rrwy nolQy trs bf' plane at 1-81.347 2683 or by mail at Iha address leled'm the previous paragraph. 8yow payments may vary in amount we wiN tai you on each rtron0><y statement when yow payment wiA be made and law much it wit be. Your Automatic payrrcent amount maybe less then the indicated on the monthly statement based an aedits or payments applied during the biting cycle. Credit Reportlrtg. N'e may report reformation about your accoura to aedd bureaus. Late payments, missed payments, a otlter defaults on your account maybe reflected in your acct( report. We normalty report the statusand payment history of yow Account to aedit reporting agenaes each mach. If you believe that twr report is inaccurate or incanplek, please vai[e us et the tdlaving address: Diswver, PO Box 15316, Vvirnngtan, DE 198503316. Please irtckrde yow name, address, bane telephone rwmber and Amount number. PERIODIC FOdANCE C}tAGES. Periodic Fnance Charges are imposed on all iransactgns from the dale the transacion is posted b yowAaxwM tattil the dakyouu pay your entire Nev Balance, a/ makatg payments a receiving credits. Hanauer, we wilt provide the follow~g °grace pedod' 8yvu paid the New Bekrtce on your pervious baling storemeM try the Payment Due Dale stawn on that statemenk and you pay the New Balance by the Payment Due Date co Atis sklement we wdtl not impose Periods Finance Charges on new purchases, that is, pwcftases fast appearing on this statement. Otherwise, you wit receive a biting satement next month that includes Periodic finance Charges an Rase new purchases. There is no grace period on balance trnsfers a cash advances. We sort y~wlransadbre into groups of purchases, cash advances, and balance transfers and then further sort the transactions within each group by tlreir Anmeal Perceraege Rate. Fa exempts purchases subject to a prarational rate and ptattheses subject to standard rata vuoi4d be separete groups. We refer b 0rese groups es transediat categaias. At the end of each Ming period, we comptte F'erioda Finance Charges fa each day of rie b~krg period for each ransactiat caegory. We use the fo4ow4ng egtralim to axrtpute Periodic fa earn transaction category. Average Daly Balortce x number of days m Ute biting period x Daly Peaodx Rork.lSee the finance charge srrnmary on yow staPerftent for these arraunts) Then vre add up the Periodx: finarae Charges for each transacton category b get Ste brat Peda6c firwnce Charges for yow Axainl. The average Daly Balertce is stator as zero tf, because of the grace pedod, ra Periodic Finance Charges apply b the boleros n a transaction ~tegory. We use theAvaage Daily Balance (axiuding new transactions) medtod of caladatirg the buence upon which we impose Periodic finance Charges. UVe eompuk the A Da Balance for each fraruaaion category by adding up e9 8re daffy balances ut a biVg period for a transaction category and dividing the rotaf by 8re number of days in the ptgbcyd~ We compute the detly baance fa each fransedian rbtegory on each day by first addatg the foWwstg to the previous day's daffy balance, trareadans made that day, fees charged that day and Periodic Firwnce Charges acaued ort 0tat day. If a transaction is posted to yeurAcmrn[ after lire cbse of the biting period in wfiidt a ocaas,we will treat the tansaction as having ocarred on the fast day of the bilrng period m which d is posted m yourAccounL All lees dtarged to yourAmounl are added to the standard pwdtase transaction category wilt the exception of Cash Advance Trartsadan Fee Fv~ance Charges wfuch are added to the applicable atslt advance trarssaction category end Balance TransferTransecriort Fee Fvtarae Charges w4uctt ere added le the appicable baance ttmsfer Irarrsadiort category When tine specuel rek expires, vve move the unpaid belerux m Ne Defence trarrakr and the Baknce Transfer Transaction Fee Finance Charges b the standard purchase Uaruaction category. However, d the spatial rate hex been terminated under the Defautr Rate Plan, we leave Ste unpaid balance of the balance hattskr and the Betartce Transfer Transaction Fee Firerae Charges in IAe applcable Iransadien ptegay wt61 the spatial rate world have expired. For TDD (Telecommunications Device fathe DeaQ assistance, call 1-80x347-7449. Discover may rrardla andla rewrd telephone sacs between yet and Discover representeEves for quality asswartce purposes The Oisavererard is issued by Discover Bank, tukmber FDIC. O1TBK107 Cbsing Date: KENNETH GENTRY DiSC~VER ~ptember t t 2 Account number ending in 9139 page 2 of 2 Cashback Bonus ® Award Summary Cashback Bonus Anniversary Date: October 11 Balance Previous Cashback Bonus Award Balance $ 23.05 Purchase Award This Period + 0.00 Cas ac Bonus Awar Total 23.05 Cashback Bonus Award Balance Award Available to Redeem 23.05 20.00 Restrictions apply to ihQ Cgshback Bonus Pad er offers visit Discovsrcem or calf 1-BOD-DISCOVER ~1-80Q347-2663) For details. For program details, see the Cashback Bonus i~rogram Terms and Conditions. < <- --~~-- - -ter DlSCVER s~ bo~os`e 11 SDSN6AOi 0013611 KENNETH GENTRY 22 ASHBURG DR MECHANICSBURG PA 27050-8203 Minimum Payment Due Account Number ending in 9139 S151.00 Enter Amount Enclosed Bebw Payment Due Dale ~ ~~~--1 November 10, 2006 please make check payable to Discover Platinum Card or pay online ~ Discovercard.eom. TextAPP to DISCOV' to receive a link to our free mobile app and pay your bill in seconds from anywheref PO BOX 71084 Illrulluuulln,lllulrl CHARLOTTE NC 28272-1084 Addresa,o-mailortelephonechange$Printchangeinspace ~rrlrllrrlrrrlrllrtrlrrlrlrrrllllrrrlrr~ulrrl~rtltt~tr~r~rr~l above, a go to Dixover.com. Print your email address to receive important Account information and special offers. 000001986458932953553076020300000000015100 Discover Platinum Card Account Summary easing Dam: October 11, 2006 page 1 of 2 Account number ending in 9139 Previous Balanee $7,672.97 Payment Dua Date November 10, 2006 Payments And Credits - 152.00 Minimum Payment Due $151.00 Purchases + 0.00 Credit Umlt $8,600.00 Cash Advances + 0.00 Credit Available $997.00 Balance Transfers + 0.00 Cash Credit Limit $4,400.00 Finance Ch s + 81.06 Cash Credit Available 5997.00 New Balance 7,602.03 You may be able to avoid Periodic Finance Charges, see the reverse side F« details, Cashback Bonuse Opening Cashback Bonus Balance 5 23.05 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 23.05 Cashback Bonus®Since Anniversary Monlh October: $16.14 CONGRATULATIONSI Your Cashback BonUS(R) is waging For you. Visit Dixovercard.com or call 1-800-DISCOVER (1.800.347.2683) to get your share of America's # 1 Cash Rewards Program. How Can We Hel YOU? 1 • Visit Discovercam to pay your b~ for no cost, view ur p latest Account inF«mation, earn and redeem rewardsoand m«e It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for fast, easy selkservice options «to speak with o Customer Service A.ceount Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance F« hearing impaired) see reverse side Sah lake City, UT 84130 Transactions $0 Fraud Liabi)ity Guarantee Use your Discover Card with conFderrce. Trans. Post Date Date Payments and Credits Oct 10 Oct 10 INTERNET PAYMENT • THANK YOU $ -152.00 Information For You The address provided in your Cardmember Agreement to request a beneficiary designation form for your Scheduled Air Trmel Accident Insurance has changed. The new address is AIG Accident ~ Health Division, 300 South Riverside f'la¢a, Suite 2100, Chicago, Illinois 60606.6613. Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE RATE: 4.909'0. Rate is subject to the teens of the offer including expiration. Dixovercard.com provides you with the easiest online self-service options that put you in control of your account. Make a payment today or schedule one in advance. Sign up For timely email reminders to help you avoid Fees. Easy account management is just a click awayl Register «log in fo Discovercard.cam/registermyaccount Manage your account your way -whether you prefer to speak with a live person or manage Things on your own, Discover(R) Card has the right account management options For you. Call 1-800-DISCOVER (1-800.347-2683) or visiF Discoverwrd.com - -r- --~~~- - - -- ; r- Important Irdomratloh. tt there is mare than one page to Oss btlling statanertt, see Ute badt ai eedt page 6~r eddliortel imporleni inlormatxm. See your CardmemberAgreement VourCardrnamberagreement wnleinsaO 1iiB tem6 atyourAarount. Lost or stalen.cards. Report krxnediately! Cell 1.800.347-2683. BIIIing Rights Summary. In Case at Errors a OuesOarsAboW Yorr Bit: If you Otkrk your ~ is wvatg, a H yar need more infamason about a transediarr on your bib, write us at a separate sheet d paper at Disoo+rer, PO Box 30421, Sett Lake City, UT84130A421, as soon es passfile. We must hear kant you rto later that 60 days after we sent you the lrst bit on wlsdr the error or problem appeared. Yau can.telepbone as, but doing so wit not preserve your rights. in yea kOer, give us Ote follwtig mhrmation: • Yota name and Aocarnt number • The ddMr amount of Ote srrspeded astir • Describe the arts end exlOain, i you can, why you befreve There is en arts. O you treed more inkxmaOon, dsscnbe the flan you are unsure about. You do not have to pay any amount in question whYe we are ittvesligatxrg, bcri you are slN oblgated b pay the pens d your bit that are not n question. While we investigate your gtrestion, we cannot report you as defstquerd a take arty acUat b coked the emoted you question. Special Rate fa Credh Card Purchases: H you have a pmblem xitla the gtratiy of goods a services Ihei you purchased wdh a credi card and you have fried rir good faith to coned the problem with the merchant, you may not have to pay the remaining amount due on the goods a services. You have this protection ortlg when the purchase price was mac Oran S50 end the purchase vras made in yow harre stela of within 100 miles of yntr makng address. (If we axn or operate the merdtaitt, a if we mailed you the edvertisemerd for the good or services, all the purdtase are covered regerdkss of the amotx~t a 4ocelat of the purchase.) Payments. Serd only your payrtrent and the top portion al the statemem in the erwelop provided. Do not send cash. By sending your check as described above, you authorize us to use infamatien on you check to make and eiecUOnic fund transfer trap your account at the finertaal institution indicated on your check a W process the payment as a check irarroction. ff the payment is processed es an ekdronin fund transfer, the Uansfer will be ka Oreamount of the dreck. When we use information from your check to make an electronic fund Uansler, funds may be wiUtdrawn from your account as soon as the same day we receive your payment, and you wit not receive your check beck from your financial institution. 1}re processing of yorrc payment maybe delayed i(you sand rash, correspondence a abet items vrith your payment, if you send the payment to any abet address a O you use an envek>pe other than the ate lxovided. Payments receivedn proper form at our procassirg fealty by 5PM focal Gme on arty day wiA be cradled to your Account as of that day. Payments received at au processing featly after 5PM bcaE time wit be aediled W yourAccount as of the next day. It you have misplaced your envebpe, send your payment to Discover, PO Box 5103, Carol SUeam, IL 60197-6103. Please albw 7-t0 days (or delvery. if you payment is ratumed unpaid, we reserve the right io resubmit it as en electronic debit. You can pay your minimum payment or a greater amount over the telephone, and you can set up automatic paymens. Call us at 1~-3472683. You wit need misstatement end yax bank account infomtaf ion. You must ensta a that suffiaenl itatds are aveiable in your bank account, and ail transactions must campy trilh U.S. law. You veil be asked to provide the fast 5 dgits of you account statement ZIP code. By enlerutg (hose numbers as your electronic signattue,you wdt be agreeing to tfis authoraation to slow us and your bank fo deduct each payment you authorize from your bank account, and to inhale debit or ae4T entries to yota bank aacotmt, as applir~fe, to totted erta in the processing of such payment. You must teA us the amount of each payment, a you can aekcl an amount such as Min'xnum Payment Due a the New Bele<toe on each statement You ten cancel a payment, however we must receive rance at kest three busirress.days in advance o(the sdteduled payment. Yau may notiy us by phone al 1.80D•347-2683 a by mat at the address listed'm the previous paragraph. It your payments may very in amount the vriO te9 you on each momhly statement when you payment wit ba made and how much it calf be. Yeur Automa5c payrcent amount maybe less Then Ore indicated on the monthly statement based on credits or peyrrtenis applied draing the biilirtg cycle. Credit Reporting. We may report inlonnation about your account to credit bureaus. Late paytnertts, missed payments, a other detatOts on your account may be reflected in your aedd report. We normally spat Ste status and payment history of you Aeoount to aerlt reporting agenaes each month. O you beOeve that our report 5 macuaate or incomplete, please write us at the following address: Discover, PO.Box 15316, Wilnimyton, DE 19850-5315. Please include your name, address, home telephone number and Account number. PERIODIC FINANCE CHAGES. Periodic Finance Charges are imposed on ai Umtsarxiats front the date the trensetlion is posted b yotrAcoount until the date you pay your entire New Balance. by making paymerds or receiving credits. however, we wii)aovide the folbwirtg'grace period'lf yes paid the New Bafanee an you pervious biling statement by ttre Payment Due Date shown on that stalertreM, ant you pay the New Balance byOre Payment Due Date on this statement we wtO rtd impose Periodic Fhaartce Charges on new purrfreses, that is, ptachases test appearitg on Iha statement. Otherwse, you wit receive a bung statement next monOt Otat irtcitxles Periodic Parente Charges on those msw pachases. These is no grace period on balance tratsters a cash advances. We sort you transactions inb grotrps oTpadteses, cash edvartces, and balance transfers and then ttxOrer sat Ore trerrsadioris willtttin each grotp by thm'r Annual Pertentage Rate. Fa azampk pachases subject b a promolienal rate aril purchases stdgect to standard tale wakl be separate groups. Wa refer to dtese grcxq>s as !rt»tsaclon categories. Rt the end of each tniurg period. we oanPule Periodic Finance Charges fa rraCh day of ifre biting period fa eexst Uarrsaclon category. We use the Sdiowrg egtreliarr b wmpute Paiodic br each fransaclori category. Average Daly Babrtce x ntariber of days in the b~rrg period x Defy Periodc Rein. (See Nre hence dterge summary on you statement fa these amounts.) Then we add up the Periodic Finance Charges for each transaction category to get the btal Periodic Finance Charges for your Account. The. a~.erage Oaily Balance is shown as zero if, because of the grace pesiod, m Periodic Finance Charges apply b the balance in a transaction rategory. We use the Average Daily Balance (rnekxl'ag rtew transadans) method. of cakrAaUrrg the balance upon which we inrywse Parodic Finartca Cfmrges. We compute the Average Daily Balance fa each lrensaaion category by adding up all the defy balances in a biirrg period fa a Transaction celegtxy arai dividmg the rotat by the rnmttrer d days in the bilktg cycle. We compute Nre defy balau;e for each trartsacUon cetegayon each day by fast addng the fotlow'rrg to the previous deyls defy ti~arroe, trarrsacOorts made Otat day, teas charged that day and Periodic Finance Charges accrrced on Orel day. N a hart is posted to yaeAaaei after the dose of the br7ing period "m a4tich ri occurs; we wi treat Ole Uartsactien as havutg scarred on the first day of the bi7ing period in wtrirh it is posted to yore Acmwt. Alt fees charged b yarActxwnt ere added to the stertdard ptachase Uartsadion category with Ora exception of Cash Advance Transaction Fee Finerxx: Cftarges which are added to the applicable cash advance transacsorr category am1$rOence Trmuter Transaction Fee Fkrerrce Ctrargea which are added to the applcable balance transfer transaction category: Vytrert the speaal rate expires. wa move the urtpeid baNncA o(Ore balance trenater and the Balance Transfer Trensadan Fee Finance Charges to the standard purchase transaction category. However, A the special rate has been temrinated under the Default Rate Plan, we leave the unpaid balance of the belarrce Uarufer and the Batarrce Transfer Transaction Fee Finance Charges in the applicable Iransaclion category utti the speael rate world have expired.. ForTOD (Tekcommunicationa Device for the Deaf) aaelaterrce, call t-800.347-7449. Discover may monies endlor record telephone calls hehveen you acrd Diver represenletives for quality asswance purposes The Discover° card is issued by Discover Benk, Meadrer FDtC- OtTBK107 DISCOVER Irpoysro KENNETtiGENTRY Account number ending in 9139 .~sc Announcing Pending i'ransactions! You asked, we listened. Cordmembers can now View pending transactions online! Check your purchases in realtime to stay connected to your account like never before either online or using your mobile device. (~ In t0 YOr1f accocrnt at Discoveucom from your laptop or your mobile device and see for yourself! X2012 Diunver i3adc, Member FDIC Closing Dab: October 11, 2006 page 2 of 2 Hey, Juniors) Wa aro searching for outstanding high school juniors to apply fnr the DiscoverlR) Card Tribute AwardlR} Scholarship Program. Scholarships will be awarded to high school juniors who have excelled beyond academies. 7o Fnd out more, visit our website at www.Discovercard.com/tribute Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Foe Daily Periodic PERCENTAGE PERCENTAGE FNJAN(E FRJANCE Bal°nce3 Rates RATES RATES CFIARGES CHUG ,. current billing period: 30 days Purchases $3105.60 0.07121 % 25.99% V 25.99% $66.35 $0 .Cash Advances $0 0.07121% 25.99% V 25.99% $0 $0 Balance Transfers $4596.31 0.01068% 3.90% F 3.90`Ya $14.71 $0 The rates that apply to your Account are either Fixed iF} or they may vary (V} as noted above. QUeStiOnS~ Manage your account at Discover.com or call 1-800-DISCOVER (1-800-347-2653. -~- -~u~~-- - ---zr DISCOVER New Balance Minimum Payment Due $7,620.43 $185.00 Payment Due Date December 10, 2006 Account Number ending in 9139 Enter Amount Enclosed eebw ~~ Please make check gyaable to Discover Platinum Card or pay online ~Dixovercard.com. t 1 SDSP1tiA01 0013612 KENNETH GENTRY 22 ASHBURG DR MECHANICSBURG PA 17050-8203 Address, a-mail or telephone changed Print change in space above, or go to Dixover.com. Print your email address to receive important Accovnt information and special offers. 000001986458932953553076204300000000018500 Discover Plotinum Card Account Summary dosing Date: November 11, 2006 page 1 of 1 Account number ending in 9139 Previous Balance $7,602.03 Payment Dua Date December 10, 2006 Payments And Credits - 151.00 MinrmumPaymsntDue $185.00 Purchases + 0.00 Credit Limit $8,600.00 Cash Advances + 0.00 Credit Available $979.00 Balance Transfers + 0.00 Cash Credit limit $4,400.00 Finance Charges + 169.40 Cash Credit Available $979.00 New Balance _ $7,620.43 You maybe able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 23.05 New Cashbock Bonus This Period + 0.00 Cashback Bonus Balance $ 23.05 Caashback Bonuses Anniversary Month: October CONGRATUlAT10NS! Your Cashback Bonvs(R) is waiting for you. Visit Discovercard.com or call i-800-0ISCOVER (1-800.347-2683 to get your share of America's #1 Cash Rewards Program. How Can We Hel You? P 1. Visit Discover.eom to pay your bRl fw no cost, view our l t t A i f s a es ccovnt n ormation, earn and redeem reward and more It`s your choice - 3 ways to help 2. Call 1-804DISCOVER (347-2683 For Fast easy self-service Please have your Discover Card available. , options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) see reverse side 3. Write us of Dixaver Card, PO Box 30943, Sait Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Dixover Card with confidence. Turns. Post Date Date Payments and Credits Nov 10 Nov 10 INTERNET PAYMENT -THANK YOU ~ -151,00 Information For You - Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE RATE: 4.90%. Rate is subject to the farms of the offer including expiration. Finance Charge Summary Average Daily Nominal Transaction ANNUAL ANNUAL Periodic Fee Daily Periodic Balances Rates PERCENTAGE PERCENTAGE FINANCE FINANCE RATES RATES CHARGES CHARGES current billing period: 31 dogs Purchases $7674.05 0.07121 % 25.99% V 25.999'0 $169.40 $0 Cash Adwnees $0 0.07] 21 % 25.99% V 25.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V~ as noted above. Text APP to DISCOV' to receive a Ilnk to our free mobile app and pay your bill in seconds from anywhere) PO Box 71084 Illrr,ll„rrrrllrirlll„I,I CHARLOTTE NC 28272-1084 ~rrlillnluili~hnlnlrliullllru~ultrln~~nlri~ri~rlrrll --~-~- - --- --r r•- Imporiatt Infamatfon. If tltere is more than ate page to Atis tiding statement, see the bad( d each page for rirlrjtiatal impafatl information. See your CardmemberAgreenfent Your Cadntentberagreentent contains ell Ate corns d your Account lost or stolen cbrda. Fleport imniedrelely! Call (•800.347-2(383. Billing Rights Summary. In Case of bras a 1.1n9allpn5 AbotR Ytxr BS: Hyriu Atinic your b8 Is wrong, a if you need mare intonation about a transeclion on yourbid, write us on a separate street aF paper of Diemver, PO Boz 30421, Sall lake Gy, U78/130.0421, es soon es passible. We must hew Iron you no later than 80 days after we sent you the first bill on which the ertor a problem eppeerod. You car tekpltotte us, but long so wd not preserve yow rights, in yore letter, gne us the tdbvang intonation: • Your name andAacaud number • The ddler arrtoura of Ufa srrspeded arts • Desabe the arts and expidrt, A you can, why you believe Mere a en era. If you need more irtfomtation, destx~e the item you we unsure about You ~ cwt have to pay arty arnotml fn question vdttle we are investigating, but you ae aril obligated b pay the parts of yea bid that are not in question, While we investigate yea question, we cannot reportyau ae detirrquent or lake arty action to coded the arnourn you question. Special Rate for Credit Card Rlrchraea: If you (rave a prd>tan with the quakfy of goods a services that you purchased with a aed8 card and you have tried in good faith b cared the problem triAt the rnercharn, you may not have to pay the remaining actor( due on the goat a services. You have this protedbn arty when qte purchase price was more then 350 end rite pachase was rimde in yore home state a wi0tin f00 nibs of your meikrtg address. (If we own aoperele the merchant, a if we mated you the advertisement fa the good a services, aN the ptrrdtase ere covered regardess d the amaxd o location of the purchase.) Payments. Serrd orJy yorr peymern and the top portion of the statement in the envelop provided. Do not send cash. By sending your check as described above, you authorize us to use information on your check to make std electronic turd transfer fmm your account at the finartcisl insdhdion indicated of your check a to proce~ the peyrrtertt as a check transacbon. If Ate payment is processed as an electonie krnd transfer, Ole transfer wtll be for the amount a1 the check. When we use information from your check to make an electronic fund lratsfer, fords may be wahdratm from your accoutt as soon as the same day we receive your payment, and you wip not receore your check bade kom your finandal instituibn. Tfr.~ l.Kncessiitg of year payment maybe delayed i(you smd cnslt correspondence a odw_i ittsns with you patanertl, el yea send tla+ payment to any ether addtessar it yJ1,.use.arl........ envebpe aher then the one pmuided. Payments received let paper form et our processing farytity by 5PM beat time an any day w4 be credited to your Account as of that day. Payments received at our processing ladtity sAer 5PM tiles( time aid be aediterl b yauAcautt as d the next day. it you have nnsplaced your envebpe, send you paymerd to Discever, PO Boz 6103, Card Stream, IL 60197-6103. Please albvv 7-10 days tort delivery. If your payment is roared unpaid, we reserve the rightto restatmit it as an eledratic debit You can pay you maunum payment a a grealw amount over the telephone, and you can set up automatic payments. Callus at 1-800-3472683. You vrill need this statement and your bank account infomrelbn. You must ensure that suRreient funds are available inyour bank senor(. end all transactions must comply with U.S. law. You will be asked ;o protide the fast 5 digits of you account stakarvytt ZIP code. By entering those numbers as your electronic sgnature, you aril be agreeing to This authaizalion to albw us and your bank to ' deduct eadt payment you audarize from your bardrecoounl, and b initiate debit a credit entries So your bank escort, as appkralrle, b carrel arts in the processing of such payment You must tad us the amount of etldt payment, a you cat select an amount such as Minirtsrm Payment Due a the New Balance on each statement. You can cancel a payment, hav>9ver we mtrst receive ttdioa at least three business days in advance ai the sdteduled payment. You may ndity us by plane al 1-800.347-2683 a by mail at the address listed'm the previous paragraph. N ymtu paymerns may very in anon( we wAl led you on each montNy statement when your payment wtll be made and hmv much it aid be. Your Automatic payment amount maybe less then Ate atdirated on the monddy statement based on credits or payntmts appded during the biding eyrie. Credit Reporting. W'e may report infamatiar about your account to credit bureaus. Late payments, nvssed payments, or other defaults on your account may be reelected in your credit repott. We nomtady capon the status and payment hatory of yea Account to credt reporting agenaes each month If you believe chat oa capon is inaccurate or incanpiele, please write us at the fdlowing address: tsscover, PO Box 15316, Vtitknirtgbn, DE t9850ar"316. Please include you name, address, home telephone ntxnber and Accotmt number. PERIODIC FINANCE CHAGES. Periodic Finance Clterges era imposed on ad transactions from the dale the transaction a posted ro yotr Account until the date you pay your entire New Balance, by making payments a receiving aedAs. however, we vtid provide the tolknvutg "grace periad'If you paid the New B~wtce on you pervious biting slatamern by the Payment Due Date sttowrt on that statement, and you pay the Naw 6alatoe by Ate Payment Due Date on Ads statemern we will nal impose Pedodb Firtartce Charges on new p~achasas, that is, pwdxaes frst appearing at Atis statement. Othervase, you wd receive a bitting statement next morttlt That irrckdes Periodic Finanoe Charges on Ittose new pwcltases. Thera is rto grace period at balance trartsters a cash advances. We sort your trwtsacAorts inb groups of purchases, ~ advances, and beinnce Uarrsfers ant then ttztlter.sort the transactions within each 9muP by theirAruwal Perrantage Rate. Fa example plxdtaaea subject to a prorttoAmal rate erd purchases subject b Slandeml rate would be separak grotgts. We refer to these groups as transaction cekgories. At Ate eM of eadt bifutg period, we cattptNe Perodb Ference Charges br each day of Ate bring period fa each vansecAat We use the fo fa eadt lmrteectiat category. Average Oa7y Balance x nuttber of days in the bt~ag period x Daffy Periodc Role. (See fin ce charge sum yternent f~a 8tese~ amounts.) Than we add W the Periodic Finatce Charges fa each trartseclbn category b get the Total Periodic Finance Charges (a you Aaead. The average Daily Balance is slwtm as zero 4, because d Ate grace period, no Periodic Frtaitce Charges aOPIY b the balance in a trettsadion category. We ttse Ate Average Defy Balance (stdtrdirg trew transaceats) method of c~cdakttg Ala baance upon which wa impose Periodic l:inartce Charges. We canpute the Average Daly Balance fa each transadiar category by adding up all fire daily balances in a ld6rtg period to a Iransactiat cetegay sad dividatg the total by the number of days in 9re Wling cycle. We compute the daily 6afatce tort east hartsarxbn categay on sad, day by rxst adding the tolbwing b the prevxws days daly balance, tansadions made (net day fees dtarged that day ant Periodc France Charges ecaued on Ate( ley !f a ransacton is posted to yourAccount ader the dose of the Ming perm fn which d oaurs, we aid Ueet the transaction as having acaxred on the first day of the biding period bt whkft 0 is pasted b yea Aoooutt All fees dtaged to yorrAccotett are add to the standard pwdrase trartsacdon celegorywith the exception of Cash Advance 7ransaelion Fee Finance Charges which are added to A>a appticade cash advance VanaSCtion rgtegory ant Balance Transfer Transar~on Fee Firrarree Charges which are added to the appirable balance transfw Uwtsareliar category. When Are t~ecial rate expires, ore move the t balance of the balance transfer and the Balance Trarrsta Transaction Fee Finwrce Charges b the standwd ptxchase transaction ategory. Flowewer, if Ara special rate tins been terrrinakd under the Oefaud Rate Plan, we leave Ate unpaid batarrce a} the balance transfer and the Balance Trensfer TrartsacAon Fes France Charges in rite appticabb transaction category uttiT the spedd rata wotdd have expaed. For TDD (iebcommutdcatioma Devke for the Deaf) asaistanca, wA f-800.347-7449. Dsoovg may monibr erxlla raced telephone cads behveen.yw and Discover representaAves fa qualify assurance purposes The Drsoover'cxd re issued by Discover Bank, Member FDIC. O1TBK707 DISCOVER s~ 5~ ~`~ 11 SDSN6Apt (!013613 KENNETH GENTRY 22 ASHBURG DR MECHANICSBURG PA 17050-8203 Te>Q APP to DISCOV` to receive a link to our Tree mobile app and pay your biq In seconds tram anywheret PD Box 71oea Illrrrllrrrrnllrrrlllrrlrl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change;? Print change in space Irrlrllrrlrrrlrllrrrlrrlrlrrrllllrrrlrrlrrlrrl~rrlrrlrr~rlrrll above, or go to Discover,com. Print your emmail address to receive important Account information and special offers. 000001986458932953553075995200DDDD00018000 Discover Platinum Card Account Summary Cbsing DaM: Ikoember 1 1, 2006 page 1 of 2 Account number ending in 9]39 Previous Balance $7,620.43 Payment Due Date knuary 10, 2007 Payments And Credits - 185.00 Minimum Payment Due $180.00 Purchases + 0.00 Credit Limit $9,500.00 Cash Advances ~ 0,00 CreditAvoilable $1,900.00 BalanceTransfera + 0.00 Cash Credit Limit $4,900.00 Finance fJ~nrges + 164.09 Cash Credit Available $1,900.00 New Balance $7,599,54 You may be able fo avoid Periodic finance Charges, see the reverse side For details. Cashback Sonus® Opening Cashback Bonus Balance $ 23.05 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 23.05 Cashback Bonus® Anniversary Month: October How Can We Hel YOU? 1 • Visit Diacovorcom to pay your 671 for no cost, view your P latest Account information, cam aril redeem rewards and more It's your choice - 3 ways to help 2. Cal! 1.800-DISCOVER (347-2683) for fast, easy selhaervice options or io speak with a Customer Service Account Manager Please hove your Discover Card available. 3. Write us nt 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 Dote Date Payments and Credits Dec 9 Dec 9 INTERNET PAYMENT -THANK YOU $ -185,00 Information For You Congratulations! Your Account credit limit has been Increased to $9,500.00. Congratulations! Your Account's cash credit limit has been increased to $4,900.00. Balance Transfer offer for current billing period: Daily Periodic Rote: 0.01342%; corresponding ANNUAL PERCENTAGE RATE; 4.90%. Rote is subject fo the terms of the offer including expiration. Finance Charge Summary Average Daily Nominal ANNUAL ANNUAL Periodic Transaction Fee Daily Balances Periodic Rates PERCENTAGE RATES PERCENTAGE RATES FWANCE FNMICE CH~f~S current billing period: 30 days Purchases $7681.13 0.07121 % 25.99% V 25.99% $164.09 $0 Cash Advances $0 0.07121% 25.99% V 25.99% $0 SO The rates that apply ro your Account are either fixed (F) or they may vary ~ as noted above. Minimum Payment Due S 180.00 ~ Account Number ending in 9139 Enter Amount Encbsed Below Payment Due Date $ r-~~ January 10, 2007 please make check ayable to Discover Platinum Card or poy online ~ Discovercard.com, ImpoAant Inforrrtefah. It there is more than one page b this bking statement, see the bade of eadt page tar additional irrtporlatt inlonnation. Seo your CarttrnemberAgreanent. Your Cardmemberagreement contains ell the terms ~yaurAcceunt. Last a stolen rids. Repot krsttediately! CaA i~S10.347-2883. Billing Rights Summary. In Case of Erras or Questions About Yotrr BR: !I you Ntinic you liO is wrong, a il you need more intarmafion about a trauac8at on your biN, write us on a separate sheet of paper at Discover, PO Box 30421, Sak Lake Gry, l1T 84130-0421, as soon as possi>le, We must hear tran gat ra later atan 80 days after we sent you rite first biq on which the error a problem appeared. You can telephone us, but ~+9 so wr71 rat preserve your rights. In your letkr, give us the idbudng infamatrort: • Your name and AaztuM number • The dollar amamt of the suspected error • Describe the anon and exfdan. N you can, why you 6eGeve there is an ena. If you need stare irtfonnation, describe the ism ya+ are unsure about. You do not have to pay any amourd M question while we are frrvestgeing, but you are slit obigated m pay the parts of your biN Orel are rat in tptestion. While vre irnesfigale your question, we carwat report you as deiingrrenl a take any actiat b coNect the amount you question. Special Rate for Credk Card Purchases: If you have a problem wqh the quaky of goods a services that you purchased wih a aedt card and you have intact in good faith to coned the problem with the rrte+rhanL you may rro1 have b ~y the remaining amatnt due on the goods a services. You (rave this pmteclmn only wften the purchase price was more tftan 550 and the purchase was made in your home slate a within 100 Hires of your matTreg address. (If we own or operate Nte merchant, a if we mailed you the advertsemerd for the good a services, all the purchase are covered regardless of the amount or bcafion of the purchase.) Payments. Send only yore payment and the top portion W the statement at the errvebp provided. Do ra! send cash. By serdeg your d>edc as described above, you auarodze us to use mbrmatiat on your dteck to make and elecronic fund transfer frbm your accaml at the finandd institution indicated on yore check a to process the payment as a chock transacton. If the payment a processed as an electrorvc fund Uanser, the transfer wt11 be for the amount of the check. When we use informaucn from your check to make an electronic fund transfer, truck may be withdrawn from your account as socn as the same day we receive your payment, and you will not receive your check bade from your dnandal institution. The processing of yarn payment ma;kte delayed if yeu send cash, conespondence or other items with you payTnenl, if you sand dte payment to any ether address rn if you use an ernebpe oaten than the one prrn xted. Paymetxs received ta prayer form at our processing fadlity by 5PM local lime on any day wili he credited to your Account as of that day. Payments received at our processing fadlity after SPM bcaf time witl be aeditad to your Accourd as of the next day. It you have mi~faced ywr envelope, send your paymem to Discover. PO Box b10.3, Carol Scream, IL fi0f 97-&103. Pease aNow 7-f 0 days for dedivrxy H yow pvyrnent +s returned unpad, we reserve the right to resubmd ii as ar, electronic debit. You can pay yore min6num payment a a greater amount over the telephone, end you can set up automatic payments. Call us al 1$00.3472(183. You vnN need this stafement and your bank account information. Ya1 must ensure that suk+cient fords are avaiat~ in your bank accaint aril eN Iransacuons mist comply vri8t U.S. late. You vntl be asked to pro vide the first 5 digits of you accoun? statement ZIP cede. By entedtg those numbers as your electronic sxytafure,you will be agreevtg to [his aWhodzation a abw us and your bank to deduct each payment you atnhaize front your bank account, and b inilLste debit a aed~t entries b your bank aaounf as appicaGe, to correct error in rite processing of such payment. You mist feN tts the amount of each paymem, a you can sefed an amount suds as Minmart Payment Due or the New Balance ce each statement. You can cancel a payment, however we must receve ratite at least three business days in advance of the scfreckriad payment. You may notify us by phone at 1$00.347.2683 or by mail el dte address ksted in the prevbus paragraph. k yore payments may vary b amount we wit tell you on eadt montfdy statement when yeur payntenl vriN be made and how much it will be. Your Aulomaac payment amount mmy be less J1en V1e indicated on the mcnlhiy statement based at credits or payments applied during the taNing cycEe. Credit RepoRing. YVe may rayon ~nformabon about your account to credit bureaus. Late payments, nursed payments. or other default; cn your eaounl may be reflected in your credit rayon. We normaNy report the status and payment history o(your Aaount to ae~f reporta>9 agendas each month. If you believe that at report is inaccurate or incomplete. please write us al the following address Discover, PO Bax 15316, Wilmetgton, DE 19850.5316. Please include your name, address, home telephone nurrN/er and Account number. PERIODIC FINANCE CHAGES. Periodic Finance Gtarges are imposed on all transadans from the dale the treitsacbort is posted a yrou Account until the date you pay yore entire New Balance, by malting paymems or re+xtittirg credits. However, we waN provide the bNowing "grace period' If you paid the New Balance on Yoe pervious biting statemerd by the Payment Due Data shorn on tfr~ statement, and ymt pay the New Balance by are Payment Oue Dale on Uus stabemeM we will rat impose Periodic fktartce Charges on new ptacltases, that is, purdtases first appearing on tltis slalenlBnt. Oaterwise, you wit receive a btlirg statement next month That includes Periorkc Faience Charges on those new pwchases. There is no grace pared an balance Uanshrrs orcash advances. We sort yorU transactions inb groups of purdtasea, rash advances, and balance transfers and Nren fadher sett the trensarAiors vnthn each group by lhdr Arvtual Percentage Rate. Far example prxcltases subject b a pronatiortat tale and prrchases srdljed a standad rate would be separete groups. We refer ro there groc4ls az transaction categories. At the end of each bketg perod. we oxtpule Periodic Finance Charges tar each day of the tklNng period for each transac8on category. We use the ta'bwing equatbn to compute Periodic to each transacton category. Average Daly Balance z nwnber of days in Ore pared x Daily Periodic Rak. (See ifte finance drags stxnmery on your statement fa these amounts.) Then +ve add uP Ore Periodic Finance Charges Far each uansactbn category to get the fatal Periodic Finance Charges fa you Account The average Daly Balance is sfwwn as zero if, because of ate gram period, no Peridic finance Charges apply a ate baance in a lransectian category. We use the Average Daily BaFarwe (krckrding stew transadarts) method of catctulaa8rg the balatca r4wn which the enpose Periodic Finance Chagas. We cottgtute the Rverege Deity Balance fa each bansadion category by adding up ~ the daffy balances in a biting period for a katl5adbn category and dividkg the total by ~ number of days m ate biting cycle. We corrpWe the daily balance fa each transaeUOrt Wtegory on each day by firs! adding the toNrnying to the previous dais defy t~encs, transac4bns made that day, fees ritarged that day and Parodic Fnanca Charges ecraued on titat day, If a irartsadian is posted to yorsAaount Baer the dose of N1e bang perod in whidt it Dares, we wit treat the transaction as having oaxrred on ate 5rst day of the lliNetg period b wtndt R is posted to yourAccouN. Ad Tees dlargad to your Account are added a are standanl purchase transactor category with a~ exception of Cash Advance Trensactien Fee France Charges which are added to the applicabb cazh advance transaction category and Balance Tansfer Transaction Fee Parente Charges which are added p the appikable balance Uensfer transadiat category. When ate spedal refs axpces, we move the unpaid belatxe d the bakvnce transfer and Ute Balance Transfer Transaction fee Finance Cftarges b the standard purchase transaction category. However, A the sptrdal rete has bean teminated under the DefaWt Rate Plan, we leave the unpaid baiarrce of the balance Vansfer and the Balance Transfer Trerlsacgon Fee fatance Charges in the apPkcab(e IrensactKKr category until ate spedal rate would have expired. For TDD (Tefecommunicatiorts Device for the Deaf) assistance, ca81-800.347.7449: Discover may morrita andfa record telephone calls between you and Discover represenlafives for quafity assurance purposes The Discovery card is issued by Discover Bank, ktembar FDIC. D1TBKIW C{osing Dote: KENNETH GENTRY DISCOVER embe Account number ending in 9139 page 2 of 2 Cashback Bonus ® Award Su m rr~a ry Cashback Bonus Anniversary Date: October 11 Balance Previous Cashback Bonus Award Balance $ 23.05 Purchase Award This Per'sod + 0.00 Cas ac Bonus Awar Tota 23.05 Cashback Bonus Award Balance Award Available to Redeem 23.05 $ 20.00 Reshictions apply to ih4 Cashback Bonus Partner offers visit Discover.eom or c~JI 1-800-DfSCOVER (1.800-347-2683) for details. For program details, sea the Cashback Bonus >~rogram Terms and Conditions. DiSCflVER $Ni 588 ~„° 11 SDSN&A01 0013614 KENNETH GENTRY 22 ASHBURG DR MECHANYCSBURG fA 17050-8203 Text APP to DISCOV' ro receive a link to our tree mobile app and pay your bill in seconds Tram anywhere) PO BOX 71084 Illu,llnun~ln,lll,,I,) CHARLOTTE NC 28272-11184 Address,eanailortebphonechangeSPrintchangeinspace ~nIJIn~nJrl~ur~,r~rlndllln,In~nlu~lir~ululJu~~ above, or go ro Dixover.com. Print your e-mail address to receive important Account information and special offers. OOD001,98645$932953553075$$7000000000018500 ~. Discover Platinum Card Account Summary Closing Dots: hnuary 11, 2007 page 1 of 1 Account number ending in 9139 Previous Balance $7,599.52 Payment Due Dote February 10, 2007 Payments And Credits - 180.00 Minimum Payment Due 5185.00 Purchases + 0.00 Credit Limit $9,500.00 Cash Advances + 0.00 Credit Available $1,911.00 BafanceTransfers + 0.00 .Cash Credit limit $4,900.00 Finance Charges + 169.18 Cash Credit Available $1,911.00 New Balance $7,588.70 You may be able ro avoid Periodic Finance Charges, sea the reverse side for details. Cashback Bonus° Opening Cashback Bonus Balance $ 23.05 Haw Cashback Bonus This Period + 0.00 Cashbock Bonus® Anniversary Month: Cktober Cashback Bonus Balance $ 23.05 CONGRATULATIONSIYaur Cashback Bonus(R) is waiting for you. Visit Dixoverwrd.com or toll l•SOQOISCOVER (1.800.347-26831 to get your share of America's #1 Cash Rewards Program. How Can We Help You? 1 • visit t)isceverca,n ro pay yaw bill far no cost, view your latest Account information, earn and redeem rewards and more It's your Choice - 3 ways to he{p 2. Call 1-BOaDISCOVER f347-2683} for fast, easy se{f-service Please have your Dixover Card available. options or to speak vrith a Customer Service Account Manager For TDD (assistance for hearing im aired see reverse side 3. Write us of Dixover Card, PO Box 30943, P ~ SoN Cake City, UT 84130 Transactions SO Fraud liability Guarantee Use your Discover Card with confidence. T~s. Payments and Credits !an 9 Jan 9 INTERNET PAYMf?NT • THANK YOU $ -180.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.01342%; corresponding ANNUAL PERCENTAGE RATE: 4.90%. Rate is subject io the terms of the offrsr including expiration. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Foe Daily Periodic PERCENTAGE PERCENTAGE pNANCE RN Balances Rates RATES RATES CHARGES A curcent billing period: 31 days Purchases $7663.82 0.07121°~ 25.99% V 25.99% x169.18 $0 Cosh Advances $0 OA7121% 25.99% V 25.99% $0 $0 The rates That apply ro your Aecaunt are either faced (F) or they may vary (V) as noted above. Minimum Payment Due 4 Account Number endirg in 9139 $185.00 Enter Amount Enclosed Bebw Payment Due Date F b e ruary 10, 2007 please make check payable to Discover Platinum Card or pay online ~ Dixovercard.<om. Important Infomration, tF thee is more than one.page to this bfAatg atalemenl, see the back of each page for addilixat important information. See your t.ardmembcr Agreement Yow Cardmemler agreement carlains all the terms of yowAocount. Lost or stolen cards. Repot immediately! Can 1~0-347.2683. Blltlrg Rlghts Summery. In Case of Ertore a QuesBansAbad Yow BiA: If you tlbnk your biY is wrap, or B ya, need mare infonna6on eba,t a transacAa, on yautil, write us on a separate street of paper at Discover, PO Boz 30021, Salt Lake Cdy tfl•8413(t-0421, essoon as possble. We must hear from you no Later drart 60 days after we sent you the krst bill on which the errs a problem appeared. You can telephone us, but doug so wdl not preserve yarn rights. In your letter, give us thefolbwing adamation: • Your name and Account camber • The doAar amount of the suspected eua • Desarbe the arts and expfarn, d you can, why you bekeve there is en error If you need more infomwhon, deserire the itarrr you ere unsure about. You do not have to pay any amount in quaetion tvhde we are investigating,lrui you are s88 obligated b pay the pads d your l~ Nat are rat in question. Whie we investigate your gtestwn, we cannot capon you as dekngterd or take any action a coned tua arnountyou question. Special Rate is Credit Card Purchases: If you have a problem widr the quaity of goods a services That you pruchased wdlh a crer5t card end you have tried'n good filth to corned the problem wihr the rterdrant, you may not have to pay the remaining amount due on dte goods a sevices. You have this protection only wtren the purdtase price was more titan 550 and Are purchase was made ar you home state a wahar 100 miles of your ma~ng address. {If we own a operate the merdrant, a if we ntaAe<! you the adverfsement fa Are good or services, all the purdrase are covered regaMless of the amount ar bcation of the purchase.) Payments. Send only vow payment and the by portion of de statement in the envebp provided. Do rat send cash. By sending your check as desrnbed shove, you authorize us to use information on yowdcedc to make and electronic fund transfer from your account at the finandal institution indicated on yax cttedt a to process the payment as a clack lansacton. 7f fha payment is prouused as an efedmr>ic bud transfer, the transfarw>ib be fa the anaunt of the chars. When we use infamalion from your dtedt to make an electronic turd transfer, funds may be willtdrevm hen your account as soon as the same day we receive your paymem, and you will not recr:iye your clack back hnm your linandal inselulion. The processing of vow payment maybe delayed if you send rash, conesponcterxe or other dams with your payment. if you send dre paymed b any other addrass.cr i! you use. an envelope other than the ore provided. Payments received in proper form at our processing testify by 5PM lord time on any day wig be aedded to yourAaatnt as of flat day. Paymens received at au processing ladliy after SPM local Lane wiN be aedited to yourAcwunt as of the next day 1F you have misplaced your emrelope, send yorx payment to Dicover, Pp Box fi 103, Carol Stream, IL 601975103. Please allow 7-10 days (or delivery. If your payment is mtumed unpaid, we reserve the fight to resubmit it es an eledranic debd. You cart pay your minimum paymenf or a greater amount over the Telephone, and you can set up autanatic payments. Call us al 1 •SCb3472683. You will need this statement and your bank account infomalion. You must ensure that suffidenl funds are avaiable in your bank account, and all transactions must comply with U.S. law. Yeu wilt be asked to provide the first 5 digits d you aaanf stakmertt ZIP wile. 8y entering those numbers as your electraric signature, you will be agreeing to 1Ns auttror¢alion to allow us and your bank to daiuct eadr payment you autlorze from your bank aooorud, and to indiale det>il a credit erodes ro your bank account, as applicable, b caned era n the praeseing of such payment. You must let us the amount of each payment„ a you can sated en amount such as A>dnimum Payment Due a the New Bdarxa on each statement: You can cancel a payrnerd, however we rtwtsl receive notice at feast tlxee txuiness.days in advanw of the adreraded payment. You may notify us by plane a(1•ti0034J-1683 or M/ mai a1 the address listed in rte previous paragraph. Nyau payrrertts may vary in amount we wiA tell you on each monthty statement when your payment wftl be made end how muds it wid t>e. Your AWomaec payment amount may be less Ihen the inrcated on the monlhh/ statement based ar credits a payments applied during the b~hng cycle. CredR Reporting. VVe may report information about your account to aedit bureaus. Late payments, rmssed payments, or other defaults on vow accaxd may be reflected in your aedit report. We normally report Ate status and payment history of your Account to credit repaang agencies eadt month. If you believe that our report is inecaaate or incomplete. please write us at the bllmving address: Discover, PO Box 15316. Wilmington, DE 198505316. Please include your name, address, tame telephone number and Aocourx number PERIt3DlC FINANCE CHAGES. Periodc firrarus Gtarges are imposed on all Uansactiorts from Ate date the transadiai is posted to yrxuAcoewtt unld the date you pay yrar entire New t38innce, by nrdring payments a recdvatg aedils. Fbwever, we wvl provide the fo@owing'grrae period' If you paid the New Batence ar vow pervious biting statemerd by the Payment Due Dale shown m that statement, and you pay Ste Now Balarae by the Paymart Due Date on dris statemem xre wAl not impose Periodic Finance Charges on ne'N pwchases, that is, purchases fast appearag on tlriss statement Odtervvise, you void receive a hitting slaterrtenl next namh that inchtdes Periodic Finance Charges on those new pwchases. There is ra ~aoe period on lralarxe transfers a cash advances. We sat vow transactions alto grotgs of pwdtases, cash advances, and balance transfers and Ares further sort the transactions wdlrin each gray by thdr Annual Percentage Bale: For example purchases sabjed ro a promoliorrd rant and purdreses su6lect b standard rate tonirW be separate groups. We refer to drew grotrys es transaction categories. Ar the end of each bSrg period, we compute Pedadic Finance Charges for each day of the hung period fa each tronsadwn category. We use Ste (o8ovarg equation b compute Parodic for each transaction talegruy. Average Deily Balance x number of days in rte lrAirg perod x Dar1y Periodic Rate. {See the fnance charge summary on your statement fa these anawdsJ Then we add up the Periodic Finance Charges for each trarrsectrm category to get the told Periods Finance Charges (a vow Account. The average Deily Batence is stawn as zero i( became of the grace period, rio Periodic Fararae Gherges apply to the balance in a transacton category. We use OeAveroge Daiy Balance (axlrrdmg crew transardiorvs) meAad d cakulatirg the bdattce upon which we isrpose Periedic Finance Chagas. We comp<!te 1heAveroge DeAy Balance to each transaction category by adding uP aA the da0y bdancas in a b~irg period for a trarrsadion eatx3ory end dnridmg the total by the number of days in the tklfng cycle. lNe compute the daily bdartce fa each transaction categayan each day by first add'rg the kAowing to the previous da}Is daily balance, Vansactwns made that day, fees charged drat day and Periodic Furarxe Charges accrtred on That day. If a Iansacton is paskd to vow Aaount after the dose of the bAlarg period in which it acwrs, we wiN treat the trarrsadion as having ocarred on the first day M the biAing period m which h is posted to yauAccamt. AI fees clanged to vow Account are added to tle standard pwdese trarnradion category with the excep8on of Cash Advance Trensadgn fee Finance Charges which are added to the appticab(e cash advarue trartsacson category and Balance Trortster Transaction Fes Farsaxe Charges wfiidr are added to the applicable balance trarrster transaction category. When the spedal rate expires, we prove the unpaid balance d the balartce transla and the Balance Transfer Transaction Fee Furarra> Ctrarges to fire standard purchase transaction category. Ffovrevar, if the special rate Eras been lemdmted under fire Default Rate Plan, we leave the unpaid babnce of the balance transfer and the Balance Transfer Treruaction Fee Fararae Cfuuges in the applicable transaction category txtbl the spedd rate would have ezpaed. For TOD (TekcommudcatlonsDeuice for the Deaf) asshtance, caA ~-800.347.7409. Discover pray monitor andfa record telephone tags behveen you and Discover represeMaBues fa quality asswance purposes The Discoveraprtl is issued by Discover Bank, Member FDIC. 01TBK107 DISCOVER It pays to DIS_C~Y~~ Announcing Pending Transactions! You asked, we listened. Cordmembers can now view pending transactions online! Check your purchases in realtime to stay wnneded to your account like never before either ailine or using your mobile device. Log 10 b yOUr accOUntot Discoverconr From your tiptop or your mobile device arrd see for yourselF! ®'X112 Discover Bonk, Member FDIC KENNETH GENTRY ACCOURt number endirrs In 9139 __. ,e,.tc.2wwW».-i. k Ri,.,...,;, ~: ..r.M~ Ed~ih.11::'YC.iLMtt•U~Olka~!~. ,~_ ~„ _ - Closing Date: February 11, 2007 page 2 of 2 finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUM. Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE E EI N BulaMes Rotes ~ C~ RATES RATES current billing period: 33 days Purchases $76Q9.81 0.07121 % 25.99% V 25.99% $1 b8.87 $0 Cash Advances $0 0.07121 % 25.99% V 25.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary IVI os noted above. QUeStICnS? Manage your account at Discover.com or calf 1-800-DISCOVER (1-800-347-2683. ~--~- - _ -- - _ z~ -- New Balance Minimum Payment Due Account Number ending in 9139 DISCOVER $7,520.35 $167.00 Enter Amount Enclosed Below Payment Due Date $ Apra 10, 2007 please make check payable to biscover Platinum Card or pay online 1~1 Discovercc~d.com. tt SOSN6AOt OOt3616 KENNETH GENTRY Text APP to DISCOV'to receive a Ilnk to our free mobile app and pay your bill fn seconds 22 ASHBURG DR from anywhere! MECHANICSBURG PA 17050-8203 PO BOX 71084 ~l~nr~~suur~~rrr~~~rr~rl CHARLOTTE NC 28272-1084 Address, email or telephone change? Print<hange in space (rr~r~~rrlrrrlrllrrr~rr~r~rrr~~~~rrr~rr~rrlrrl~rr~rr~rr~r~rr~~ above, or go fo Dixover.eom, Print your a-mail address to receive important Account information and spacial offers. OOOOD1986458932953553075203500000000016700 ._ Discover Platinum Card Account Summary Closing Date: March i 1, 2007 page 1 of 1 Account number ending in 9139 Previous Balance $7,552.57 Payment Due Date April l0, 2007 Payments And Credits - 184,00 Minimum Payment Due $167.00 Purchases + 0.00 Credit limit $9,500.00 Cash Advances + 0.00 Credit Available $1,979.00 BalonceTrans{ers + 0.00 Cash Credit Limit $4,900.00 Finance Charges + 151.78 Cash Credit Available $1,979.00 New Balance $7,520.35 You maybe able to avoid Periodic finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 3.05 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 3.05 Cashback Bonus® Anniversary Month: October Cashback Bonus(R} is America's #1 Cash Rewards Program! Full 5%Cashback Bonus on Get More purchases in popular cafegoriel tfirovghouf the year and up to 13o Cashback Bonus on all your dher purchases. How Can We He) p You? 1. Visit Discevercom to pay your bill for no cost, view your latest Account information, cam and redeem rewards and more ltrs your choice - 3 ways to help 2. Call 1-800.DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance far hearing impaired) see reverse side Salf Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Dixover Card with confidence. Trans. Post Dab bate Payarems and Crodits Mar 10 Mar 10 INTERNET PAYMENT -THANK YOU $ 184.00 Enforrnation For You Balance Transfer offer for current billing period: Daily Periodic Rote: 0.02712%; corresponding ANNUAL PERCENTAGE RATE: 9.90%. Rate is subject to the terms of the offer including expiration. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Gaily Periodic PERCENTAGE PERCENTAGE FMIAtJ(~ FINANCE aces totes RATES RATES CFIARGES CHARGES currenT billing period: 28 days Purchases $7612.48 0.07121% 25.99% V 25.99% $151.78 $0 Cash Advances $0 0.07121 % 25.99% V 25.99% $0 $0 The rates that apply to your Account are either fixed (F} or they may vary (V) as noted above Manage your account your way - whether you prefer to speak with a live person or manage it on your own, Dixover(R} Card fins iha right account maragement options Eor you. Call 1-800-DISCOVER (1-800.347-2683} or visit Dixovercard.com ~- ., =~syr -~Tr Important Intomtation. a there is mae Chart one page to this t>iBrtg statement, see the track of errdt page to additional imprtriant rdortrtatron See your Cardmember Agreement, Yau Cardmambx agreemaM conteis all the terms of you Atxxuml. lost or stobn-cards. Repal'anmedately! Ca01.800-347-2683. Biping Rights Summery. In Case of Enars a r]rtesOona About Yodr BiN: H you Mink your b~ is twong, a if you need more infaraion shoal a lratsacOat m you bit, write us on a separate sheet d peperal ascover, PO Box 30421, Salt Lake City, UT84130-0421, as soon as possitle. We must hear from yvu ra lekr Oran 80 days after we sent you the Est bAl on wlidt Ote error or prd>lem appeared. You can telephone trs, but doing so twat rtol prtrsartre you rights. in you letter, give us the falkmairtg informetbre • Yoa name and Acwunt number • The ddhar antotatt of the srtspedad error • Describe Ote errs and exptakr, if you can, why you beaeve (here is en error Nyou need mae informaton; tiesabe tlteitem you are unsure about, You do not have to pay any amount in question whoa vre are invesli~Ong, but yet are sill obigated b pay the parts d your bill that ere not in question. YJf~e we invest!~te }roar tµrestion, we r~rrot repel you as datirtqueM a take any action w correct ffie amount you question. Special Rate fa Credit Card Purchases: N you have a problem with Ore quality of goods a services Drat you puchased with a credit card and you have Vied in good taidr b correct the problem wiOt the merdreM, you may not have to pay the rernairartg amount due on the goods a services. You have Otis protection onty tvttert the purchase price vras more Oran $50 and Ore puchase was made in yoia home state a wiUut 100 miss nt you ma0ng address. [If we own a operate the merchant, or if vre maned you the advertisement for the good ar services, all the purdfase aze covered regardless of the amount a kfcation of the pudrese.) Payments. Send only your payment and the top portion d the statement in the envelop provided. Do nd send cash. By setdknj yon check as desaibed above, you authorize us to use indormation on you check to make and eleckaric kill transfer from your eaount at Ole financial institution indicated on your check or to process the payment as a check uauacfan. !f Ore payment is processed as an elearort!c fink} hansfer, Orelmnster w,d be for the arrtormt of the check. When we use information from your check to make an electronic fund Irensfer, funds may be wrlftdrawn from your accaatt as coat as the same day we receive your payment, and you wiA nd receive your deck back !tom your finanda! insiiution. Tie process'rtg of yav payment maybe delayed if yuu send cash, correspondence a outer items with your payment, ii you send the paymed to any other address or d you use an enveope shat {hen the ate provider{. Payments received in props tam at our processing fealNy by 5PM brat tare at any day wi8 be aedded to you Account as of that day. Payments received at our processkg taaliry after 5PM local Gne witl be ceedned b yourAccotrM as of the nazi day. If you have misplaced you envelope, send yaw payment b Discover, PO Boz 6103, Carol Saeam, It 601975103. Please stow 7-10 days fa delivery. If you payment is 2lumed unpaid, we reserve the rigid to res~ml it as an electronic detvL You cen pay your minsnum payment or a greater amotmt over the telephone, and you can setup aubntatb payments. Callus at 1$00-3472683. You vnll need this statement and you bank account information. You must ensure that suRcienf frards are aveilabEe kt your bartk aaaunt, acrd aA bansadions must compy with U.S. law. You will be asked to pro~.~ide the fist 5 dgits of you account statement ZIP code. By entering tlroce nunbers as you electronic signature, yea wdi be agreeing to ttis authorizatan to allow us oaf your bank to deduct eadt peynteM you auhorize tran yore badtaccount, and b iru6ete debit a' aedit enures to you baNe accoutf as applicable, to aired errs in the processarg of such payment. You must tent us Ore amount of eedt payrneM, a you cen select an amount such as Minirrtunt Payment Due a Ore flew Balance on each stetemerit. You cen cancel a payment, however we met receive rtotice ei lcest three business days in edvaztce of the sdtedded payment Yau may notify us by phone at 1500.347-2683 or by mail at the address listed n the prevwus paregraph it yon payments may vary in amount we trip teA you on each nromhfy sfetenxml when your payrrte%k will be made end haw much it wiN be. Your Automatic payment amount may be less then the indicated ort the monthly statement based on credits a payments applied durirtg Ote bi0ing cycle, Credit Reporting. We may repon infoma[ion a6ouf youracwunt to aedit baeaus. Late payments, missed payments, or other delaulls on your account may be regected in your cre6t report. We nermaAy report Ote status and payment history of yaa Account to cidt reporting agencies each nwnth. N you believe that ou report is inaccurate or incomplete, please write us at the tdlowing address: Discover, PO Box 15316, Wilmington, DE 198505916. Please include yon name, address, home telephone number and Account number. PERIODIC FINANCE CHAGES. Periods Fatartce Clterges are imposed on ~ transardiars from Ote dale the transaclbn is posted to yak Account until the date you pay yarn entire Nett' Bak+nce, by making paynteMs a receiving aedds. Flowever, are vnl provide the ldkxvktg `grace perod" It you paid the Now Balance pn yea pervious liAirg statement by the Payment Due Dale shown on that statement, and you pay the New Balance; by the Payment Due Date on Ore statement we war tint impose Pariodc Finance Charges on new pacttases, that is, puchases fxaz appearing ran Oris statement. OOraztvise, you cast receive a ta6tg statement next montlr that irtcludes Pariodc Finance Charges on those new purchases. there is rro grace genod on beence trenskrs or cash adventes. We sod your transarxions ado grotrpa oipurdreaes, cash advmrces, and balance kansiers end than father soil the UBhSaCfi0lis within each gror~ by their Arxnral Percentage Rate. Fa example patdtases strttjed to a promdiortai rate and purchases sttged b slandaM rate would be separate groups. We rotor b Otese groups as transaction caleaories. At the end of each bdktg perod, we txxrtptae Pedodie Finance Chargeafor each day of the tlitlatg period fa each frertsadion eategory. We use the fdkwrrrsrrg rjgnetion to conrptde Periodic (or each trertsaclion category. Avenge Daily Balance x number d days in ttte fitting period x Daly Pariodc Rate. f5ee the finance charge summan~ nn your sta;ernenl fa these antounls.l Tiren we add up the Periodic Fatazrce Charges Nx each Uansadkt:t attegay to getthe fatal Periodx: Finance Charges !ui your Account. The ore°r;.~ UaiP; Balance is sltovm as zero O, tcecause of Ote grace peiod, ro Pariodc Finartce Charges apply b the balatrce in a uansadion ptegary. We use the Average DaiFj Balance (ltdttdktg new lrerrsadians} method of cakadaGng Ore b~artoe upon which we impose Periodic f finance Charges. We wmpute the Average Daly Balance for each bansar>gon allegory by adding up atl Ore dotty balances in a being period to a trensaciat category and divid'mg the blot by the number of days in the balitg cyde. YVe carpals the dairy balance for each transaction category on eadr day by first adding Ore tdbwirg ro the preuiaus day's deny balance, trattsactiorts made that day, fees charged that day and Periodic Fktertce Charges eccvued on That day Na trarrsacliort is posted to yourAccount aMerthe dose of the biFrtg period n which O occurs, we will treat the Transaction as having Droned an die first day of the oiaarg period in which it is posted ro yourAtmrsrt. Alf fees dtarged to your Acceud are added to Ole standard ptxdtase trarrsection calegoryvriar the exception of Casa Advance Trersedbn Fee Finmrce Charges which are added to the applceble cestr advance bansactlorr category and Belartce transfer Transaction Fee Fasince Chergas which are added ro are applicable balance transfer transaction category. When Ore special rate expRes. cab mrrve Ole ur!paid balance of Ore balance irertater and the Balance Trarrsfer Trensadion fee Fitanca Charges to the standard pttmhase irenaection category. However, 8 Ore specal rate has been tarrnktated under Ota DefauO Rate Plan, we leave the unpaid befance of the balance tansfer end the Balerxx' Trenster Trerrsacfwn Fee Farertce Charges in Oe appicabte transaction category txtOl the special rate would have ezpaed. ForTDD (Tekcommttnieatbtn Device: for the Deaf) assiatanee, cad 1A00.347-1449: Discover may monitor ardla record telephone calls betuveen you and Discover represeda6ves for quality asstnarrce proposes The Discovers card's issued by Disoover Bank Member FDIC. 01781(107 DISCOVER s~ ~9~~9`° 11 SDSN6A41 0013617 KENNETH GENTRY 22 ASHBURG DR MECHANICSBUR6 PA 17050-8203 Text APP to DISCOV' to receive a link to our free mobile app and pay your bill in seconds from anywhere! PO BOX 71084 ~~~nr~~uun~~ur,~~n~r~ CHARLOTTE NC 28272-1084 Address, o-mail or rolephone change$ Print charge in apace I,JJ1~11rrrI~II~rJ~~IrfrrrllllrrrLrlrrLJLrirrlrJrLri1 above, or go to Diseover.com. Print your o-moil address to receive important Account information and special offers. 000001986458932953553074947900000000015700 .^.. Discover Platinum Card Account Summary Closing Daro: April T 1, 2007 page 1 of 1 Account number ending in 9139 Previous Balance $7,520.35 Payment Dve Date May l 0, 2007 Payments And Credffs - 167.00 Minimum Payment Due $157.00 Purchases + 0.00 Credit Limit $9,500.00 Cash Advances + 0.00 CredN Available $2,005.00 Balance Transfers + 0.00 -Cosh Crodit Limit $4,900.00 Finance Charges + 141.44 Cash Credit Available $2,005.00 New Bolance = $7,494.79 You may ba able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 3.05 New Cashback Bonus This Period + 0.00 Cashback Bonus® Anniversary Month. October Cashback Bonus Baktnee $ 3.05 Cashback Bonus(R) is America's #1 Cash Rewards Programl Full 5%Cashback Bonus on Get More purchases in popular categories throughout the year and up to 1 %Cashback Bonus on aQ your other purchases. How Can We He! You? 1. Visit Dis<evar.cen, to pay your biN for na test, view r p Ialest Account information, earn and redeem rewan~s and more ~t'S your choice - 3 ways to help 2. Call 1-804DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sah Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card w(th confidence. Trans. Post Dale Dote Paymsnh and Credits Apr 9 Apr 9 INTERNET PAYMENT -THANK YOU $ -167.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rate: 0.02712%; coresponding ANNUAL PERCENTAGE RATE: 9.909'0. Rate is subject to the terms of the offer including expiration. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE ANANCE RNANCE alone s Rates RATES RATES CkA~~_ ~i BOE~S current billing period: 31 days Purchases $7572.55 0.06025% 21.9990 F 21.99% $141.44 $0 .Cash Advances $0 0.07121% 25.99% V 25.99% $0 $0 The rates that apply to your Aeeount are either fixed (Fj or they may vary (V) as noted above Minimum Payment Due $157.00 Account Number ending in 9739 Enter Amount Enclosed Below Payment Due Date $ ~a-~ May 10, 2007 Please make cheek payable to Discover Platinum Card or pay online ~ Discovercard.com. -~-LT - ~ai~ .---- - ------tr- Important Information. If Aran; is more than one page to fibs ding statement, see Ote bade of each page fa additional important information. See your Cardrnember Agreement. Your Cardmemberagreanent contaittsalltheterms of yourAmaunt Lost or stolen Garda. Report inu»ediatelyl CaR 1$00347.2683, Billing Rights Summary: In Case of Ftmrs a (ArestionsAbout Yoa 8t1: If you Brink your bill is wratg, or if you deed more mtortnetion about a transaction on yar bill, wrik us on a separate sheet of paper at Discover. PO Box 30421, SaN Lake City, tR 84130-0421, es soar as possible. We must hew knnt you ra later than 60 days aftw ors sent you the first bill on which the error a problem appeared. Yw can leleplane us, bra doing so will not preserve yeti rights. In your kUer, give us the foAawirrg infametion: • Your name and Acwum number • The dollw amount d the suspected error • Desaihe the ena end expleat, if you can, why yeti bekrwe (here is an ena.1(you need more infortnaGon, describe the item you are tursttre abaft. You do not have to pay arty amount in question while we are ttwestigating, but you are still obkgated to pay the pans of your bBl that we not in ques4at. While wee investigate your question, we caretot repod you es dekrrquenl a take any acfrort to tolled Ute amount you questurt. • Spedat Rate la Cradle Card Purchases: If you have a problem vntlr the gtrekfy of goods a services that you purchased with a credo cord aril you have vied let goad faith to coned the prdUem with the mercham, you may not have to pay the rernairtir~ amount due an the goods w services. You have this protediorr only vdten the prxchase price w~ more titan S50 aril the purchase was made in your home state a witltkr 100 mRes of your mmtarg address. (It we awn a operate the merchant, or if we mailed you the advertisement for the good cr services, aH the purdrese are covered reganikss o! Ute amount a bca6on of the purchase.) payments. Send only your payment and the top portion of the statemeN in the em~elop provided. Do not send rash By sending your check as described above, yet authorize us to use infornk7tion on your check to make and electronic fund transfer from your account at the finandd instilUUen indicated on you dtedr or to process the payment as a check Irertsaciiort, if Ure paymertt is processed as an electronic fund Vanster, the transfer will be for the amount of the check. When we use dtlormatien from your check to n>ake an electronic fund transfer, funds may be trithdrawn from your account as soon as the same day we receive your payrnenl and you wile not receive your check back kom your firtandal instilu6on. The prwxassng of your payment maybe delayed if you send cash, correspauctence w olfrar items with your payment, if yeti send the paytrrent to any other address or y you use an envelope other ttran the one provided. Paytnems receitn;d in proper (Dent at otv processtng fadkty by SPht bcal Ume on any day wiU be credited a your Accotmt as of that day. PaymenU received at au processing lacitity after 5PM local time will be raedded to yourAccount as of the next day. If you have misplaced your emrelope, send your payment to D~scorer, PO Box 6103, Carol Stream, IL 60197-6103. Please a!!ow 7-10 days for delivery. IE your payment is relumed unpaid, we reserve the right b resubmit it as an ekcwnic debrt. You can pay your minimum payment er a greeter amount over the {elephone, and you can set up automatic paynnents. Cali us al 1$00-3472683. You will need this statement and your bank axounl infonnatdn. You must ensure that suffiaenl funds are avaikble in your bony, account, aril all IransacGOns must comply cr0t U.S. law. You wiq be asked to provide the (rest 5drgiu M you account sfalarrxmml ZIP mile. By entering Vase numbers as yaw elecronic signahxe. you will be agreeing to tFus authorization to allow us and your bank to deduct ~rh payment you aulltaize from your bank account, ant to initiate debit a credit entries b yorr bank accwmL as applicable, k correct error in Ure processing of stxfi payment. You trxst kll us Bra amount of each peymenL a you can select an amount such as Mitimrtm Payment Due or the New Balance art each statement. You can cancel a Payment, however we muu receive police at least three business days in advance of Ute scheduled payrttent. Ya may mlify us by phone at 1-800347-2683 a by mad at B>e address 6s1ed in the prevaus paragraph. If your payments may very n amount pre wiU teB you an each morrBdy swfemeM rotten yow payment wRl be made and how much it w41 be. Pow Automatic payment antounl may be less Then Ute indicated on the monthly statement based on wedils or payments applied dairtg the biAing cycle. Lredi! Reporting. We may repon iatormalion about your accourd d credit bureaus. Late payments, missed payments, or other defaults on your account maybe reflected in your credit repot. WerbrmaRyret»rt the status and payment history of yourAaount b aedir regaling agencies each month. If you believe that our report is inaccurate a incomplete, please write us at the tdlowmg address' Discover, PD Box 15316, Wilmington, OE 19850-5316. Please incl We your name, address, home telephone number and Account number. PERIODIC FINANCE CHAGFS. Pertode Fnartce Charges are aryrosed an all transactions from Bra dale Ure transaction is posted to yourAccotmt un141he date you pay your entire New 8alanca, by making payments w receiv6rg aerkts. tior+ever, we will provide the following "grace period' II you paid life New Belartce on your pervious biging statement b1' the Payment Due Dete stawat on that statement arM you pay the frkw Balance by the Payment Due Date on this statement we wiU not impose Perk Finance Cf>erges on new pwdtases, that is, pactwses fast appeariny an this sWtemenL OUrervdse, you will receive a hrltirig statemem next matBr that indrtdes Patiodic Finance Charges on those new purchases. There is no grace period on balance transfers a cash advances. We sort your transactiam ktb groups of purchases, rash advances, and balance transkrs and then fuNx•r sat the transactions wiUtfn each grog by UreirAnmtal Percentage Rete. Fw ezartpk pruchases subject k a promotional rate and purdtases subject to standard rate would be separate groups. We refer to Brew groups as transaction categarks. At Ihe. end of each biting period. we anywte Pedads Finance Charges for each day of the luNirtg gerbil for each transaction category. We use the foBowirg equation to cornpuk Periodic (a each transaction category. Average DalAr Balance x nrmtber of days in the bi6rtg pared x Daiy Periods Rate. (See the Brertce dtarge svmrrvuyr on your statement fa tfrese amounts-j Then xre add up the Periodic Fvrarrce Ctrwges fa each Iransaclion category to yet lire total Periortic Finance Charges fa your Amaxrt. The average Daily Balance is sftown as zoo il, because of Bte grace period, no Prsiodic Finertce Charges apply to the balance in a fransadion category. We use the Averse [)ai{y Balance {mdudkrg new Yarrsactionsy metlrod of cakulatirrg the balance upon which we impose Periodic futance Charges. We compuro Ute Average Daily Balance to each bans~tbrr category by adding tq alt the dally baiartces in a baling period for a lransectbn category and diviQtng the total b1' the number of days it the bilfctg cyde. We oompWe Bra daily balance for each MansacUon category on each day by first adding the following b the previous day's easy balance, Vansections made that day, fees charged that day aril Periodic Firrartce Charges accrued on that day. If a transaction is posted a yea Account after the dose of the billing period m vdridt k orLUrs, wa vnU Treat the transaction as havvng occurred on the test daY of fie 1>i1ling pwicd in which if is posted fo yowAccowrt. Ali lees drwged to ytxtr Account we added to Ure standard purdtasa tarsaction category with the exceptiat of Cash Advance Trensadbn Fee Finance Charges which are added to the applicable rash advance transaction category rod Balance Transfer Trarrsadion Fee Finance Charges vRtich are added to Bra appBcable balance transkr Uansadion category. When the rspeaal rate expired we move the ttritraid balance of the baletse transfer and the Balance Trwtskr Trarrsadian Fee Fiturrrce Chtages k the standard purcMSe Uansaction category. However, if the special rate has been tem'enaled under the DekuN Rate Plan, was keave the unpaid balance of the balance transfer aril the Balautce Transfer Trensacfbn Fee Finance Charges d the eppkcabk Iransactiar category tartil Bra special rate wot4d have ezpWed. ForTDD {Telecommunications Devito fa the Dean assistance, call 1$00.347-7449. Discover ntay moniia artdlar record telephone cans between you aril Discover represenlsUves for qualify assrsance proposes The Diswvat" card is issued by Discover Bank, Member FDIC. O17BK1D7 DtSC~VER 11 SDSN8A01 0013618 KENNETH GENTRY 22 ASHBUR6 DR MEiCHANICSBURG PA New Balanee Minimum Payment Due ~ Account Number ending in 9139 57,474.26 $152,00 -- Enter Amount Enclosed Below Payment Due Date $ June 10, 2007 please make check payable to Discover Card or pay online ~ Dlscovercard.com. Text APp to pISCOV' to receive a link to our free mobile app and pay your bllf In seconds from anywhere! 1705D-8203 Po sox 71of34 Illrrrllrrrrrrllrrrlllrrlrl CHARLOTTE NC 28272-1084 Address,o-mailortalephonechange2Printchangeinspace l~~Irl~r~lrrrlrllrrrlrrlrlrrrll~lurlirlrilrrllrrli~lrrlilrr~~ above, or go to Diseover.com. Print your e-mail address to receive important Account information and special offers. 000001986458932953553074742600000000015200 Discover More Card Account Summary Closir-g Date: May 11, 2007 page t of i Account number ending in 9139 Previous Balance $7,494.79 Payment Due Date June 10, 2007 Payments And Credits 157.00 Minimum Payment Due $152.00 Purchases + 0.00 Credit Limit $9,500.00 Cash Advances + 0.00 Credit Available $2,025.00 Balance Transfers + 0,00 Cash Credit Limit $4,900.00 Finance Charges + 136.47 Cash Credit Available $2,025.00 New Balance = $7,474.26 You maybe able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus° Opening Cashback Bonus Balance $ 3.05 New Cashbock Bonus This Period + 0.00 Cdsfihdck Bonus®Anniversary Month: October Cashback Bonus(R} is America's # 1 Cash Rewards Programl Full 5 % Cashback Bonus on Get More purchoses in popular categories throughout the year and up to 1 %Cashback Bonus on all your other purchases. Cashback Bonus Balance 3.05 How Can We Help You? 1 • Visit Discovercom to pay your bri for no cost view our latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683} for fast, easy self-service options or to speak with a Customer Service Account Maiwger Please have your Discover Card available. 3. Write us at Discover Card PO Sox 30943, For TDD (assistance for hearing impaired} see reverse side Salf Lake City, UT 84130 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. Trans. Post Dote Date Payments and Crodita May 10 May 10 INTERNET PAYMENT -THANK YOU $ -157.00 Information For You Balance Transfer offer for current billing period: Daily Periodic Rote; 0.05477%; corresponding ANNUAL PERCENTAGE RATE: 19.99%. Rafe is subject to the terms of the offer including expiration. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE lances Rates RATES RATES CFIARGES CLiARGt:S current billing period: 30 doys Purchases $7550.17 0.06025% 21.99% F 21.99% $136.47 $0 Cash Advances $0 0.07121% 25.99% V 25.999'° $0 $0 The rates tfwt apply to your Account era either fixed (f} or they may vary (V} as noted above Your Discover(R} Card has you covered with Complete Fraud Protection for your peace of mind. Cwr advanced fraud warnings mean yau'q know right away should any suspicious activity occur. And if your card is lost or stolen, you have $0 fraud 4iobility guarantee-you're not responsible for ony fraudulent charges. Important tMormatbn. Nthere is nare than ate page b this biding statement, see the beck d each page for eddl~l important mforrrtation. See your Cardmember Agreemenk Yotr Cerd<rternber egreartent contains all Aie terms of your Account. Lost or stoke cards. Report immedetetyl Cog 1.8DOJ47.2(~3. Billing Rlghb Summary. In Case of Enos a Ouesfrom About Yet Bit ftyou Iknk.yolu bift is wrong, or d you need more information about a trensat4iort on yourbdl, vaAe us on a separate sheet d paper al Dkscova, PO Box 30421. Sdt Lake City, UT 84130.0421, es soon aspassrbk. We must hear from yet rw later than 60 days shat we nerd you the first hat on which the error a problem appeared. You can telephone us, but doing ao wit not preserve your rights. In your letter. give us the fdlovring information: • Yotr name and Accoutd number • The dollar amount d Ihesuspected ens • Describe the error and explain. a you can, why you believe these is an ens. tl you need more information, desrxibe Ate aem you are unsure shoal. You do nd have to pay et'h' amouru in question whore we are ktvestigattig, >aA you are stiA abkgaled to pay the parts d your triN Mat ere not in grresGas, Whore we invesfgate yom gteesuat, we cannot repot yea as deartquent a take any action to coAecl Are arriotaet you question. Special Rate fa Cnrd'd Cord Purchases: N you have a problem wah the grrdity d goods a services That you purchased wflh a credit card end you have (reed in good tdth to cared the problem with Ala merdtertt, you may not have to pay th remaining ettrount dues m Ate goods a services. You have ~s protection oray when the purchase pricy was mesa than S50 and the padwse was made in your frame s1a1e a witltir 100 mass d ycrr maikrtg address. (If we own a operate the nterrMank or awe meded you lire advertisement fa Me good a services, ail the ptachase ere covered regerdtess d the amount a kxxttion of Ate purdrase.) Paymenb. Send only your payment and the top porlan d Me statement in the envelop fxovded. Do not send cash. By sertrkrg your check es descnbed above, you authorize us to use information on yorx c}teck to treks And efectroric (urrd transkr from your account at Are knanda~ inslilution indicated on your check or ro process the payment as a check transaction. Itfhe p~yment+s processed as en tdectr+rnb hrrd Transfer, the trensterwa/ be hr the amount of Me check. When use use information from your check to makean electronic turd lrans(er, lands may be whdhdrawn from you accotmt as soon as the same day we receive your payment, and you wiA rat receive your check back Gam ywr lirtartaal v1591u1ion. Tl~e processing d yrour payment maybe delayed if yar send cash, correspondence a other itemswtiM your parrmont, if you send the pa••neenl ro aroy other address or i' }0~1 use-an~ ~~~- emelope other ittan Ate see provided. Peyntems received in proper form at our processing tadrty by SPM local time on any day wR be credaed to your Acwtu><as of that day. Payments received at our procasshtg faddy after SPM Iota! tone wiA be aediled to yourAaxxmt as d the nazi day I! you have miapkced your envelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 601975103. Please allow 7-10 days fa delivery. tf your payment is reWrrted unpaid, we reserve :he rgh! to resubmit it as an electronic debit. You can pay your minimum payment or a greater anqunt over the telephone, and you can set up aubmaGc payments. Coil us al 1 X00.3472683. You will need this statement and yow bank account information. You must erwtxe that suffident funds are evailffila in your bank account, and aA Srartsacuons mull corngy with U.S. law. You will be asked b provide the fast 5 digits of you acownt statement ZiP coda. $y erdaring Arose rwmbers as your electronic signature, you will be agreeing to Iitis atrthorizatan b aaow us and your bank to tiedtrct eadt payment you authtize trap your bank account, and b initiate debit ar credt entries to your bade amount, as applicable; to cared ens in the processing of such payment. You mtut te0 us the amwnl d earn payment, a you can select en amount such as hkrtinaxrt Payment Due or the New 8elance on eadr steletnaK. You can cancel a payment, however we must reoaive notice at(seal Agee 1x>akteas days b advance of the sdtedukd payntenl You may rroUYy us by phone of 1.800.347-2683 a by matt a[ the address listed'm the previous paragraph. ft yow payments may vary M amount we west teA you on each rtratMty statement when yata payment oral be made end how much rt well be. Your Automatic payment amount may be less then the uedcaled an the monAry statement based on aedils or payments applied durotg the blling cyde. Credit Reporting. We ntay report information about your as»unt to aedit bureaus. Late payments, missed payments, or other detaulls on your account may be reflected in your sects report. We normaay report the status and payment hNtay d your Amasrt ro aedA repafrg egeruies each month. If you believe that our repot is inacaaate or incomplete, pleases write us at the folowirrg address: Discover, PO Boz 15316, Wdntirtgton, DE 198545316. Please indrxle your name, address, home telephone number and Amount number. PERbDIC FINANCE CHAGES. Parodic Finance Charges are irrgtosed on all transad'ans tran the date the hansadion is posted b yourAccount un1A the date you pay your enure Now $alarce, by making payments a recavirg aedils. However, we vall provide the following "grace period' It you paid the New Belarrce on your pervious biRng stabmerd by the Payment Due Date shown an Met statement, and you pay fhe New Balance bytha Payntau Due Date on ttris statement we wAl not impose Perk Finance (Ttarges on new ptsdtases, Met is, ptadnrses 6rsl appearing on Iles statement. OAteruise, you west receive a bipsg sfatenrtent next monOt that includes Periodic Pinatas Charges on Atone new prchases. There a no grace period on bataxe hans(ers a cash advances. We sort year lrensadrons into groups of purchases, cash advances. and balance trare~ere and Men IurMer sort Me Iansadions viitlnn eadr group by MetrAnaral Percemage Rorie. Fa exarrgrfe purireses sued b a pratmAonat vale and ptxchases seary'ed fo slerrdad rate would be sepaafe gmups. We refer b Mesa gragrs as aarrsacAon cefegories. At the end of each bating period, ore compute Pafodc Fnarce Chagas (a each day d Me bigng period for eadt transaction category. We use Ate foilaxirg equation to comptrte Periodic to rach transacuori category. Average Deny Batartce x number of days in the berg period x Daay Periodic Rate. (See the 5nence charge srmmaty on your sttHernenl for these amounts.) Then we add up the Periods Finance Charges fa each transaction category to get the total Periodic Finance Charges for your Aocaatt. The average Doty Balance is shown as zero i( because of the grace period, no Periodic Fnertce grerges apply to the baaance in a trartsection category. We use the Average Daay Balarrce (rndud'mg new trarrsedions) medtod d cdatetig Are balance upon whop we impose Parodic Finatce Chorges. Wecanpuue the Average Daily $aknce fa east trensarxiat category hY addog up aA Are deny balances in a biAtitg period for a tranaadgn category end dividing the total by the number otdays n the bung cyde. We compute Ate deity baance for each transadron category an each day bl' first add'mg Are fdbwing to the previotn days ddty brdarce, transactions made that day. lees tdtmged Atat day end Periodic Finance Charges acaued on tlret day. If a trartsactbn is posted b your Aagatl sleet the dose of the billing period in which it acdxs, ore wiA treat the ireresadion as having axuned on the first day of Are t>i1Arg period M which A a posted ro yowAccount. AA lees charged b yaurAccamt are added b the standad purcFtese Irartsadian category wiM the eztep6an d Cash Advance Transarxien Fee Finance Charges wttidt em added to Me applicable cash edvartce tansaction cetegay end Balance Transfer Transedion Fee Finance CFmrges which are added b the applicable balance trensfa trereecuar category: When the special rare expires, we move Are unpaid balance d Me balance transfer end the Baiartce Transkr Troreection Fee Finance Chagas to the standard purchase tansaction category. However, iFihe spedei rate has peen terminated under the Default Rate Pren, we leave Ate tnpakl balaeoe of the balance lrenster end the Balance transfer Transaction Fees Finatce (granges in Ate applicable Iransadon category anti Ate special rate would treve expired. Fa TDD {Telecommunications Device.for the DeaF} assistance, all t-8g0-347.7M9. Discover may monad aMla record telephone ellsbehvcerryou and Discover representatives la quelay assurance purposes The Disarverx cans is issued by Discover Bank, Member FDtC. OtT8K107 ~+ New Balance Minimum Payment Due Account Number ending in 9139 DISCOVER $7,462.85 S156.oD ____~ Enter Amount Enclosed Below Payment Due Dote $ ~' July 10, 2007 Please make check payable to Discover Card or pay online ~ Discovercard.com. t t SDSN6A01 0013619 KENNETH dENTRY Te~dAPP to DISCOV" to receive a link to our tree mobile app and pay your bill In seconds 22 ASHBURG DR from anywhere! MECHANICSBUR6 PA 17050-8205 PO BOX 71084 ll~ur~lnmr~~urlllsrlr~ CHARLOTTE NC 28272-1084 Address, e-mail atelephone change2 Print change in space Inlrl~nlurlrllnJu~rlnr~ll~udn~rr~u~~ulrilu~Jnl~ above, or go to Discover.com. Print your email address to receive important Account information and special offers. 00000],986458932953553074628500000000015600 Discover More Card Account Summary Dosing Dote: June 1 1, 2007 page 1 of 1 Account number ending in 9139 Previous Balance $7,474.26 Payment Due Date July 10, 2007 Payments And Crsdits 152.00 Minimum Payment Due $156.00 Purchases + 0.00 Credit Limit x9,500.00 Cash Advances + 0.00 Credit Available $2,037.00 Balance Transfers + 0.00 Cash Credit Limit $4,900.00 Finance Charges + 140.59 Cash Credit Available $2,037.00 New Balance = $7,462.85 You may be able to avoid Periodic Finance Charges, sae the reverse side for details. CCS}tIJOtIC Bonu$° Opening Gashback Bonus Balance $ 3.05 New Gashback Bonus This Period + 0.00 Gashback Bonus Balance $ 3.05 Gashback Bonus® Anniversary Month: October Gashback Bonus{R) is America's #1 Cash Rewards Programl Full 5%Gashback Bonus on Get More purchases in popviar cafeyoriel throughout the year and up to i %Gashback Bonus on all your other purchases. How Can We Hel You? ' . v;st Discewr.can to pay your bYl f°r "° `°_*, view your p latest Account information, earn and redeem rewards and more It'S your choice - 3 ways to help 2. Call 1-800.DISCOVER (347-2683) for Fast, easy self-service Please have your Discover Card available. options ar to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) see roverse side 3. Write us at Discover Carcl, PO Box 30943, Sok Ike City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Past Date Dort Payments and Credits Jun 9 Jun 9 INTERNET PAYMEM-THANK YOU $ -152.00 Finance Charge Summary Average Daily Nominal Tronsactlon ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Ba nces dates ~ RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $7527.48 0.06025% 21.99% F 21.99% $]40.59 $0 Cash Advances $0 0.07121 % 25.99% V 25.99% $0 $0 The rotes that apply to your Account ore either fixed (FJ or they may vary M os noted above Get 5%Gashback Bonus(R) from July through September on gas, hotels, and admission to Iheme parks, water parks, museums, aquariums and zoos w9th the Get More program. Sign up at Discovercard.com or call 1$OO~DISCOVER (1-800.347-2683). -T ~ - - - - ---z r Important Infamation.lf there is nrore than orte page to Ibis b&png stataraerd, sae Ufa beck of eadt page for eddllionel unpatant irtfamation. See your Cardmember Agreement. Yoa CarrRrtamheragtt:em¢M antaire eY 8re tattle of yourArxount Lost or stolen cards. Repot inmediately! Cal 1-800347.2883. Billing Rights Summary. In Case of Errors a OuesuortsAbad Yar BUI: If you tlvrdc you bib is wrong, or if you need mac infomraation about a trarrsagion on yotr bill, write us on a separate sheet M paper al lASCOVer, PO Box 30421, Sett Lake Cdy, In 8413OA421, as soon re possible. We must hem Rrxn you ra later tltart tiO days after we sent you the first bit on which the error a problem appeared. You can telephone us, bur rising so wit not preserve your righffi. In your letter, gwe us the foiowing intimation: • Your name and AaoulH number • The dollar amount of Ste suspected error • Desaibe fie error and explavt, if ynu can, why you bekeue there is an ens. ft you need rraro information, describe the item you are unsure abort. You do not have to pay any amount m questrom Whie we are itwestigatutg, but you are still obligated to pay Ufa parts of yorr bit that are rat in question. Whie we investigate your queston, we cannot repot you as delinquent or lake any ac8on m coned the amamlyou question. Spedal Rate is Credit Card Purchases: 0 you have a problem with the amity m goods a services chat you purohased with a credit card and you have bred in good faith N coned the proldam vrith the merchant, you may not have !e pay tl+e remaining artrax+t due on the goods a services. You have this protectbn aNy when the purchase price was more than 350 and the padrase ivas made in your borne slate or vrinurr 100 miles of yax rnaierg address. QI the own aoperele rite merchaht, a if we mailed you the advertisement for the good a services, a8 the purchase ere covered regardless of the atrrounl a location of the padrase.) Payments. Send oily your payment and the top ptxtion of the stetemem in the em2lop provided. Do no! send cash. By senrp'ng your check as described above, you autftorize us to use krtormation on you check to make and electronic fiend hareler from yar account et the financial ireliNtgn indicated on your check or to process the payrrrenl as a check transaction. If Ste payment is processed es an electronic knid transf~r,llie 4ansfer viii be for the amoum of the dtedc. When we use information from your cheat to make an electronic Nnd trensfer, Nnds may be wtlttdrawn from your account as soon as are same day we rerxive your payment, and you will na receive your check back from your financial instiNdon. The processing of your paymeml mayor. decoyed if yil send cash, correspordence a onrer items witlr yar payment, rf you send Ure pmprram to any other address a' if you use an envelope other chart the one provded. Payments received m proper tent at oa processing tactliryby 5PM loaf time on any day w411 be credited to your Account as of that day. Payments received at our processing faciity aRer 5PM local time viii be credited to yoaAcaunt as of Ore next day. If you have misplaced yaw envelope, send yaw paymeN to DISrAl'aE, PO Box 6103, Carol Stream, IL60197-6103. Please allow 7-10 days for dekvery. It your payment is returned unpaid, we reserve the rght to resubmit k as an eledronic debit. You can pay yea minimum payment or a greater amount over the telephone, and yal can set up automatic payments. Lail us at 9-600-3472G$3. You will treed this statement and your ban4, account infamtation. You must ensure that suffiaent funds are available in yax bank account, and aU trarrsachorrs must comply with U.S. taw. You vntf be asked a provide the firs! 5 digits of you accnwrt statement ZIP coda. By entering those numbers as your electronic sigr~Nre, you viii be agreeing to ttds authorization b snow us and your bank to deduu each payment you atnliooze from your bank aaamt, and to irtilurte debd a sea's entries to you bank account, as applicable, ro coned arts in the processatg of such payment. You must [elf us the amaatf o! each paymenk a you can sedeet an anrount sda'r es Minimwn Payment Dua a the New Be~nca ar each atafement. You can cancel a payment, havever we mast receive notice at least three business days in advance of the sr9teduled payment. You cosy ndAy us by phone d 1-800.347-2883 a by coat at the address fisted in the previous paragraph. If your payments may vary in amount the wAl ten you on each rrtarihty statement when you psylneM will be made and how much it will be. Your Automatic payment amount maybe Tess then Ere indicated on Ure monthly statement based on Credal or payments applied during the billing cycle. Credit Reporting. We may report intimation about your account b creddbureaus. Late paymen~s, missed payments, a other detauits on your aawnt ~ aybe ref acted in /wr aedi€ rapwt. We rarmaAy report iha status end payatenl histtrry of your Account a seals reporting agendas each month. If you believe that our repot is inaccurate or iraonrplele, please write us at the following address: Discover, PO Box 15316. Wlrtungtan, OE 19850-5316. Please include your name, address, home telephone number and Aaoum number. PERIODIC FINANCE CHAGES. Periodic Finance Charges are imposed on aA transactiats Ran Ute date the transaction is polled to your Acceunl until the date you pay your entire Nevv 8ntance, by making payntertfs a recei~rtg txerlils. However, wre will prtavide the folbwing -grace perod• U you paid Iha New Balance on yea pervious billing sfaiament by the Payment Due Date shmvn on that statement, amt yeu pay the New Balance by ltte Payn~rrt pus Dale on this statement we vriA rat urttpose Periodic Finance r~tart3es on new ptchases, That is. purchases fret appearing on Bus statement. Othervrise, you vial receive a b8bx3 statement trail month Ihat includes Periodic Finance Charges art (hose new purchases. There ks ra grace period on balance hamsters a cash advehces. We sort you iransadioris inb groups of purchases, cash savories, and be~rtce harefers and then haUrer sort the trensaaians wiltun each group by Ihetr Annual Percentage Rate. Fa example purchases strbjed ~ a promotior~ rate and purchases st+hjed to siardard rate would be separate grates. We refer to these grasps as hanaaCtion calegtriies. At the end d each biting period. we canpuk Perroric Finance Ctrtuges for each day nt Ute biAirrg period fa eadr hensadion ca~gory. We use ttte ftrtlaaing equation to cattpute Periodic fa each trarsacton category. Average Daly Balance x number of days in the billatg period x Daly Periodic Rate. SSee the finance charge summery on your statemmmt tie these anvwnts.) Then we;dd up the Perrotlr- Fnrana;Charges Fa each uam„adiort cetegay to gel the ores Periodic Fnartca Charges Wr your Aa;amt The aviaga Daily 8slance is sfawn as zero tf trecause of Ate grace penal, no Periodic Finance Charges apply to the balance ur a irareauion category. We use 1heAverage poly Balance (tndtdutg new transagbre) method of calarlating the balance upon which we impose Periodic Finance Charges. We compute the Average Daly Balance fa eachlransaaiat rategay by adding uP en Uri deify balances ar a 6iUrtg period for a Uareadion Calegay and dvking Ure teal by the rttimtrer of days in the iulNng cyde. We compute lire daily bidance for arch hansadion category on each day by first adding the to8owirtg to Ute previous day's daffy balance, transadions made that day, fees dtarged that day and Periodic Fmwtce Charges arxxued on U+et day. If a hansadiorr is posted ro your Aocotatl e8er the ryose of Rte biting period in wftich it occurs, we will treat the hartsadion as having awned on Ole fret day of the biting period in wttidr d is posted to your Account. All fees d+arged to yore Accwnl are arMed to the strtnderd padrase IrertsarYion category wiRr the axcep&on of Cash Advance Transaction Fag Finance Charges which are added to Ne applicable cash advance trattsaCtion category end Balance Transfer Transa~on Fee Faance Charges vdridr are added N the applicable balance transfer hansadion ptegory Wltc+t the special rein expires, we move the tripod balance of Iha balance transfer ant Ute Balance Transfer Transaction Fee Fnance Charges a rite standard purdtase uansaction category However, 8 era seeds! role has been temrerated order the DefeuR Rata Plan, we leave Ute aipad balarae of the balance transfer and the Baance Transfer Transaction Fee Finance Charges in Ure ry,.; cable tmnsactiai categry until Ure speGal rate woad have expired. For TOD (TeterammuMcatbns Uuwice to the Deaf) assistatica, calf t-800341.7449. Discover may rnor+itor errata record teteplane arils behveen yw artd Discover representatives ~r queNy assurance proposes The rTscaverg teat is isstrad by Disw'rer 8ertk, (Member FDlC. OfTBN1O7 DISC®VER 11 SDSN8A07 0073820 KENNETH GENTRY 22 ASHBUR6 DR MECHANICSBURG PA New Balance Minimum Payment Due Account Number ending in 9139 S10,018.88 S198.00 Enter Amount Encbsed Below Payment Due Date August i0, 2007 please make check payable to Discover Card or pay online ~ Dixovercanl.com. 17050-8203 Text APP to DISCOV' to receive a link to our free mobile app and pay your bill In seconds from anywhere! PO BOX 71084 lllnrllruur~~nr~llu~rl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change2 Prinl change in space ~„~,~I~~i~~JJLrJrrirlrrJfllrrdrrlrrLrllrrlrrlrrlr6Jl above, or go to Discover.com. Print your e-moil address to receive important Account information and specivl offers. 0000019864589329535531001888~0000000019800 Discover More Card Account Summary Closing Date: July 1 ],2007 page l of 2 Account number ending in 9139 Previous Bolance $7,462.85 Payment Oue Dote August 10, 2007 Payments And Credits 156.00 Minimum Payment Due $198.00 Purchases + 2,544.69 Credit Limit $10,500.00 Cash Advances + 0.00 Credit Available $481.00 Balance Transfers + 0.00 Cash Credit Umit $5,400.00 Finance Charges + 167.34 Cash Credit Available $481.00 New Babnce $10,018.88 You maybe able to avoid Periodic Finance Chorges, see the reverse side for details. Cashback Bonuse Cashback Bonus® Since Anniversary Month October: $8.97 Cashback Bonus(R) is America's #1 Cash Rewards Program) Full 5%Cashback Bonus on Gef More purchases in popular categories throughout the year and up to 1%Cashback Bonus on all your other purchases. Opening Cashback Bonus Balance New Cashback Bonus This Period Casf76ack Bonus Balance $ 3.05 + 8.97 $ 12.02 7 How Can We Help You . l . Visit Discover.com to pay year bbl for no cost, view our lotest Account information, earn and redeem rewords and more It's your choice - 3 ways to help 2 Call 1.800.DISCOVER (347-2683) for fast, easy self-service Please have your Dixover Card available. options or to speak with a Customer Service Account Manager 3. Write us at Dixover Card, PO Box 30943, for TDD (assistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. Trans. Post Daro Daro Payments and Crodits Jul 9 Jul 9 INTERNET PAYMENT -THANK YOU $ •156.00 Restaurants Jvl 3 Jul 3 RED ROBIN #329 MECHANICSBURGPA 47.31 Travel/EnterMinmsrrt Jun 28 Jun 28 CARNIVAL CRUISE 6P6B94 MIAMI FL 849.60 Jun 28 !un 28 SWA TLD 5260231958 i 337 pAILAS TX 152.20 AUTOMATIC FLIGHT INSURANCE NO COST Jun 28 Jun 28 SWA TLO 52602 3 1 958 1 338 DALLAS TX 152.20 AUTOMATIC FIGHT INSURANCE NO COST Jun 28 Jun 28 SWA TLD 526023 1 9581 339 DAllAS TX 152.20 AUTOMATIC FLIGHT INSURANCE NO COST Jun 28 Jun 28 SWA TLD 52602319581340 DALIAS TX 152.20 AUTOMATIC FLIGHT INSURANCE NO COST Services Jun T2 Jun 12 ADT'SECURINSERVICES 800.238-2455 FL 884.00 0096311991367401 Jun 12 Jun 12 ADT*SECURITY SERVICES 800.238-2455 FL 85.00 0096411991367401 Jun 12 Jun 12 ADT"SECURITY SERVICES 800.238-2455 FL 69.98 0096511991367401 Monage your account your way - whether yov prefer to speak with a live person or manage it on your own, Discover{R) Card has the right account management options For you. Visit Discovercard.wm or call 1.800•DISCOVER {1-800-347-2683}. .~.~ -T ~i-.i-.. - _-_-__T t- - rmportant Information. tf there is more than ate page b this baling s4rlemerd, see the back of each page for addfional impartad'mfarmation. See your Cardmember Agreement. Your Cardmember agreement artains ap the terms of yoaAaoutt. Lost a stolen Lords. Report enmedialety! Cap f.800.347.2b63 Billing Rights Sumtrtary. Nt Case of Errors or tZarestims About Yalr 8i'. If you prink yar bpl is wrong, a ityott need more irdormation about a trartsaciat an yolr bl, write trs on a separate sheet of paper al Disoover, PO Box 30421, Salt Lake City, UT 84130-0421, as soon as portable. We must hear trans you no later titan 60 days after we seN you the first bit on which the amr or problem appeared. You can teleptarte us, bW doing so 1x11 riot preserve your rights. In your Iella, give us the fopovring pdamatbn: • Your name and AoarrM rxxnber • The rloNar amount d Ihasuspected arts • Describe the arts and explain, if you can, why you believe Atwe is en error. M you need more information, descrire the dam you ore unsure about. You do not have a pay any araunl th question wtxle we are investigating, but you are s6p obNgated th pay the paAs M your t>il ittat are not th question. While we irnrestigale yax question, we canna( report you as delinquent a lake any action to Doped the amouN you question. SpecM9 Rate for Credit Card Purchases: K you have a problem wih She quality of goods a swvites thatyou purchased with a aedi card and you have tried in good faith to erred the problem with the merchant, you may rat have to pay the remaining amount due on Ore goals a setvkes. You have this protectbn only wAen the purchase price was tttae than 550 end the ptrcttase was made at yea home stale a wihin 900 miles of you marTng address. (If we awn a operate dte merchant, a dwe mailed you the advenisemenl Ia the good or services, ap the purchase are covered regardless of the amount a kxxlion M the purchase.} Payments. Send only you payment and the top portion of the stalemeN M fhe errvetop provided. Do rat send cash. By sending you cheok as described above, you authorize us b use at(omlation on you dacic to make aril electronc fund tmrtsfer from your axaunt at the fsrterterei institution indicated at your chedr a fo process the payment as a check lransaGiao.111he r7aymeN is processed as an elechortic hail trar>_sfw, the Vanster wit be to ibe amount of me dleck. When we use information from yow dreck b make an eiedranic fund Vansfw, funds may be withdrawn from your account arson as the same day we receive your payment, and you will rat receive yosr check back Gam your hnartdal insrilu6on. The processing of yatr payment maybe delayed if you said cash, cotrespordertce a dheritems wiAtyour payment, if you sad the peyrttnN b any other address or it you use an envelope aftw than the one provided. Paymeius received in propu four at ar processing (adliy by 5PM local torte on any day wip be aedited b your AcauM as of that day. Paytents received at ow processkg facility after 5PM local lane will be aedited b yarAccatnt as of the next day If you have misplaced your envelope, send your payment b Discover, PO Box 6103, Carol Srream, IL 801978103. Please stow 7-10 days for delivery. If your payment is returned unpaid, we reserve the right to resubrtat it as an electronic debit. You can pay your mnimum payment or a greater amouN over the telephone, and you can set up automatic payments. Call us al 9.8043472683. You wiN need this statement aril you bank amount intomtation. You must ensure That sutTrcient funds are avaiable in your bank acoount, end a1f transactions rarsl contpy with U.S, taw You will be asked to provde the fxsl 5 digits of you account stalemeN ZIP ode. By entering those numbers as yos>r electronic signature, you wit be ageeing b this authorization to stow us and your bank to deduct each payment you authorize from your bank amount, and to imliete debit or aedit entries b your bank account, as applicable, fo coned arts et the processing of such payment You must let us the amount at eadT payment, or you can select an amount such as M~anum Payment Due or the New Balance on each statement. You can cancel a payment Iawever we trust receive notice et least three business days in advance of Ate sdteduled payment You stay rarity us by phone ai 1-800-347.2683 or by mat at the address listad'm Ute previous paragraph g your paymens may vary m amount the veil tell you on each monlNy statement when your payment wit be made and hon much it wall be. Your AubmaGe payment amount may be less then the indicated on the monmy statement based on aed4s a payments appied during the billing cycle. Credit Reporting. We may report inrormatian aftou! yar account to aedit buieaus. Late payrnenrs, missed payments, or other defaults on your account maybe reflected in your credit report. We normally report the status and payment history of your Account to credit repotting agencies each month. II you believe that our report is inecuxeie or mamplele, please write us at itte fopowing address: Discover, PO Box 15316, Wilmington, OE 19850-5316. Please ialstde your name, address, home tetepttone number end Account rwm6er. PERIODIC FINANCE CHAGES, Periodic Finance Charges are imposed on ap transadions from the date pre irerasadia is posted b yoorAcaixtt inlti the date you pay your enure New Balance, by making Payments a receivatg credits. However, we wi provide the foiowing •gaca period" If you paid Ate New Balance on you prmnosis biFng statement M' the Payment Due Date shown on that statemeN, and you pay the New Balance by the Payment Due Date on this statement wa xoT rat irryme Periods Finance Charges on new pacltases. that is, purchases fist appearing an this statement. OA>erwise, you wit rece'we a bipirtg ~atement next month that includes Pwiadc Finance Charges on (hose new purchases. There ~ to grace pwbd on balace trenstws a cash advances. We son yotr trataadioru info grotps of ptschases, cashadvaraa, and balance trartsfas and that father sat the trensaclions within each goup by dseirAttnuel Percentage Rate. Far example purchases strgect b a prornotiortcl rate aid purchases srdr)ecl b standard rata wood be separate grotys. We refw to 8tese gaga es transaction categories, At the end of each baling period, we ampule Periodic Fnasce Chagas la each day of the b>lhrg period fa each nartsaclion category We use Ste foiknvirtg equation to canpute Periodic fa each transactor rategrry. Average Daily Belartce x number d days in the Wing period x Dilly Periods Rate. (Sea the Cinana dtarge sumvnary on you statemett for these anaunls.) Then we add stp the Periodic Finance Charges for each transaction category m get the brat Periodic Finance Charges fa Jour Amamt. The average Daly Balance is shown as zero d, because of the grace period, no Periodic Finance Charges apply [o the balance in a transaction category. We use the Average Daly r3alwtce (inclurfirg new transectiarts) rneAtod d cakulaGrtg the balance uponvAticlt we attpose Periodic Finance Charges. We compute Ate Average Daily Balance fa eadt transacaon Category by irdttatg up all the daffy balerrces th e being period for a tr~sadim category end dvirbttg the rota) by the rwntbar of days ht the baling cycle. We ampule Ate daffy balance (a each transaction category on ends dsy by fret adding the folbwirg to the previous days deity balance, uansadions made that day, lees charged that day aril Perie6c Finance Charges ecaued ors that day If a trettsadan is posted to your Account alter the rdose of Ate bila~q period in w4tich it occurs, we will treat the lansadion as hating ooeured on the first day of the bilatg period in wltioh d is posted ro yourAcatrnt Atl fees dtarged to yourAecounl are added to the standard purd+ese transaction rmtegory~vath the excepiort of Cash Advance 7rartsadion Fee Finance Charges which are added to Ute appicable cash advance transaction category and Balance Trertsfer Transaction Fee Finance Chagas whidt are added to She applicable bdance Irenster lransadan category. When Ate spedal rate expires, wa move the txtPed balertce of the balance trarlSkS and the Balera;e TraXtsfer Trertsactiort Fee Finarlce Charges to the starderd purdtase iransactiat category. However, if the special rate has been terttunaled trndw the Defaidt Rate Plan, we leave IM tstpaid batons of the balance Irartsfw and the Balance Trensfw 7mnsadicn Fee Finance Charges h the applicable transaction category txdil the special rate would have expaed. Far TDD (iekcomnntnicationa Device for the Deaq assistance, cap t~00.347-7449. Discover may monitor andlor record telephone cis between you and Discquer representaives for quairy assurance purposes The Dsavei° aril is issued by Discover Benk, MembwfDlC. O1T9K107 DISCOVER tt pays to KENNETH GENTRY D~$C~~~ Account number arrding in 9139 Announcing Pending Transactions! You asked, we listened. Cardmernbers can now View penC~lIK3 transtxtions online! Checkyour purchases in reo{time to stay connected to your account like never before either online or using your mobile device. in 10 your GCCOUM of Discovercom from your laptop or your mobile device and sea for yourself! 02012 Dixover tSrnk, Member f~C Closing Date: July i 1, 2007 page 2 of 2 Information For You Soon we'll no longer be printing your full account number on your siolemerat. IYs just another way to keep your information safe. But of course, iF for any reason you need your full account number, it'll still be right there on your card. Build rewards faster with fop online retailers such as Target.com, DicksSportingGoods,com, CircuitCity.com, Sears.com and many more when you link through ShopOiscover. Just visit Discovercard.com/shop to see our full listing of online retailers) Finance Charge Summary Robots Transfer offer for current billing period: Daily Periodic Rate: 0.02737%; corresponding A NNUAL PERCENTAGE RATE: 9.99%. Rate is subject to the terms of the offer including expiration. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE WNANCE loot Rates RATES RATES CHARGES CHAItC+ES currant billing period: 30 days Purchases $9258.40 0.0602516 21.99% F 21.99% $167.34 $0 Cash Advances $0 D.07121 % 25.99% V 25.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above. QUeStlo115~ Manage your account at Disrnver.com or call 1.800-DISCOVER (1.800-347-2683). -_a - DISCOVER New Balance Minimum Payment Due Account Number ending in 9139 $10,007A7 $204.110 Enter Amount Encbsed Below Payment Due Date September 10, 2007 please make check payable to Discover Card or pay online ~ piscovercard.com, 11 SDSN6A61 0013621 KENNETH GENTRY 22 ASHBUR6 DR MECHANICSBURG PA 17050-8203 Text APP to DISCOV' to receive a link to our free mollile app and pay your bill in seconds from anywhere! PO BOX 71084 ~~~us~~nrur~~ur~~~n~s~ CHARLOTTE NC 28272-1084 Address, email or telephone change$ Print change in space ~u~r~~n~rn~r~~ui~n~r~ut~f~+nr~u~u~u~~n~ir~n~r~ir~~ above, or go to Dixover.com. Print your a-mail address to receive important Account information and special offers. OOODDZ986458932953553100074?00000000020400 ._.. Discover iMore Card Account Summary Closing Data: August 11, 2007 page 1 of 2 Account number ending in 9139 Previous Balance $10,018.88 Payment Due Date September 10, 2007 Payments And Credits 200.00 Minimum Payment Due $204.00 Purchases + 0.00 Credit Limit $10,500.00 Cash Advances + 0.00 Credit Available $492.00 Balance Transfers + 0.00 Cash Credit Limit $5,400.00 Firance Clrargss + 188.59 Cash Credit Available $492.00 New Balance = $10,007.47 You maybe able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Banus® Opening Cashback Bonus Balance $ 12.02 New Cashback Bonus This Period + 0.00 Cashback Bonus Oalaace ~ $ 12.02 Cashback Bonus® Since Anniversary Month - - - - -- October: $8.97 Cashback Bonus(R) is America's # 1 Cash Rewards Programl Full 5%Cashback Bonus on Gal More purchases in popular cafegones throughout the year and up to 1%Cashback Bonus on all your other purchases. How Can We Hel You? 1 • Visit Dixaver.cam to pay your b8 for no cost, view our p latest Account informaton, earn and redeem rewards and more ~t'S your choice - 3 ways to heEp 2. Call 1-800.DlSCOVER (347-2683) for fast, easy selhservice options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Dlxover Card, PO Box 30943, Far TDD (assistance for hearing impaired) see reverse side Sak Lake Clty, UT 84130 Transactions $0 Fraud liabilfly Guarantee Use your Discover Card with confidence. Trans. Post Date Data Payments and Credits Aug 10 Aug 10 INTERNET PAYMENT -THANK YOU $ -200.00 Information For You Congratulafionsl Your Account's cash credit limit has been increased to $5,400.00. Manage your budget, frock your spending and avoid Fees with FREE Nmely e+nail reminders. learn more about e-mail reminders and other easy online account management options at Dixovercard.cam/reminders ~-'--. ~ ~ --zr- -- - Important lnformation.llMere is more Man ate page b the bung slateinent sea the back of each page for edd6lionef fmporVad infonrtation. N v See your CardmemberAgreemerrt. Your Cardmemberagreemeni contains erg the terrrts of your Account. z Lost or stolen fords. Report immedeteyl Ca81.800347,2683. m o Billing Rights Summery. In Case of Errors a Qttestiorta About Your Bii: N you Mink yow bi is wrong; arfynu need rrtae inform~on about a transac4im an your hill, write us on a o separate sheet of paper at Discover, PO Box 30421, SaN Lake Ciy, UT t1413a0421, es soon ~ possble. We mrwt hear front you rw later than 60 days aflaer we sent you the first fill 0 on wMch the errs a problem appeared. You can bfepttone us, but doing so roil trot preserve yaxx rights. M your !alter, give us the following information: N • You name end AocouN number • The dollar 8f/arx110(Ule saspeded errs ~ • Desaibe the errs and exptran, i you can, why you believe (here is en error. N you need rose inbmtagon, des«be tfa item you are unsure about. You do trot have to pay any amount in gttestan wli4e we are imreatigat'atg, but you era s611 obligated to pay the parts d your ttiU that ere not kr question. Wltie we investigate your grarstion, we cartrat repod you as tteknquent a take airy ac6ort to (afar! Me amaadyou question. - SpecfalRate fa Cred'd Carr! PurUreses: Nyou trove a problem wiM the gtreltiy of garb or services Mat you purchased with a aedit card and you !rave Vted n good {aith b cared the proNent ra0t the rrercttartt, you rrMy tat have b pay the rertteirttrtg amount due on dte goods a services. You have this protedron only when the purdrese price was more than 550 and the purchase was made in your home afire a witlrin 100 ndes of ytar inbkrg address. {N we own a operate the merchant, or i(we nwiled you tfte advedisement for the good «services, all the purdtaso are covered regardless d the amount or k!caUar of Ste pwchase.) Payments. Send any yar payment and the fop portion of the statemem n the envebp provided. Do rat nerd cash, BY sr>ndng your check as desmDed above, you au0adze us to use information on your drodc to make and ebcVortic kmd irerrsfer from your account at the finattdat institution indicated on your check or to process the payment as a check vansactan. N the paymeN is fxocessed as an electronic fund transfer, the Ver>sfer w,E be for the anaunt of the check. When we use irdarmation from your check m make an electronic fund tretster, funds msy he withdrawn from your account as sown as the same day we receive yow payment, and you will rat receive you check back from your financial institution. Tim pro•_'as~g of your payment maybe delayed if you sPmJ ash. corresponder>ce a oUier items with you payment, N you srnd thr. na~nnent t:, any o;!ter;,rlr„-.coact d.yauusc :xt envebpe other Shan the are provided. Payments received in proper tam at our processng faddy by 5PM boat lkna on any day w,g De aediled b your Account as of that day. PaymetUS received at oa processing fadlity elver SPM kcal ~ro wit be aedited b yen Acmtmt es of Me next day It you have misplaced your envelope, send your payment ro Oiscever, PO Dox 6103, Carol Stream, IL 601975103. Please allow 7-t0 days fa delivery. N you payment is returned unpaid, we reserve the right to resubmit it es an efecoonic debt!. You can pay your minimum payment a a tpeater emotml over the telephone, and you ran set up automatic payments. Cag us at 1-Biq-3A72683. You wiU need This statement and you bank aaaunt ktfamation. You must ensure that suRcient fads are available in you 1>rxtk account, end a4 Vanssdians must comply with U.S. law. You will be asked to provide the arcs! 5 digits of you account statement ZIP code. By enbrarg those numbers as your electronic signature, you w~9 be agreeing to this auttarizetion to allow us and your bank to dedua each payment you auhorize from yo« bankecoount, ant b iritiate debg a aerld entries to you bank accamt as apptirafxe, ]o correct em« in the processing of such payment. Vou must fig us the amount of eadt payment, a you can salad an amount such as Mitntum Payment Due a the New Balartce on each statement. You ran cancel a payment however we must reawre txxice et least Uuea business daysin advance of the sr4>adr4ed payntenL You rnayratdy us by plane al 1$04347,2883 orby mail a! the address listed in the previats paragraph. II yaw payments msy vary in amount we roil fig you on each monthly aWtement when your payment wig be made and how much it will bor. Your Aubmatic payment amount maybe less then the indicated on the monlhty statement based on credits a payments applied during Ute billing cyde. Credit Reporting. We may report information about your account to aedlt bweaus. Late payments, nUssed payments, or otherdefeulis on your account maybe reflected in your aedit repot, N'e namagy report Ute status and payment history of your Account to aedit reporting agenaes e~h month. II you believe that our report is inaccurate or incompfele, please wdte us at the blEowirtg address: Disaver, PO Boz 15316, WOm'ngton, OE 198505316. Please include your name, address, home telephone number and Acmunt numb«. PERIODIC ANANCE GHAGES. Periodic Fwaxa Clrargea are imposed on erg VansactiauVonr the date Ua Iransadion is posted b yourAcoount until the date you pay your entire Nesv ~rtce, by making payments «receivkrg aedils. However, we wig provide the tttlbwing 'grace petrol' It you paid Me New Balance on you pervious bilkng stebmad by the Payment Due Dare shown on that statement. and you pay Nte New Balance by the Payment Due Date on Mrs statement we roil rot impose Periodic Finance Charges on new ptxchases, Thal is, pudrases fast appearing on this statement. OMerwise, you w0 receive a b4krg statement next month chat includes Periodic Firence Charges at tlase raw purchases. There a m grace period on balance Iransfars a cash advances. We sod your Vansadrons eda groups of pudteses, cash advances, and balance trenskrs and Men hatlter sort the transactions within each group by theirAmatal Percentage Rate. f« example p«oltases srrbjecl to a prortationai refs and pachases subject to standard tab would be separate groups. We refer to these groups as Vanseckas categories. At Ure end of eadt 9 period, we a«rtpute Periodic finance GMMrges klr each ley Of the bdhrg period for eadt trartsacfan category. We tae the folbwing erNation to compote Periodc breath Vartsaction category Avtrr~e Dally l3alanca x mrr~ter of Heys in the bilfag period x Daffy Parodic Rate. (See tf~ finance charge summary on you statement fa these emaunls.) Then we add up U>e Periodrc; Fgtance Chars for each fransaclion category W gat the total Periodic finance (beiges trx your Account The average Daffy Dalance is shown as zero'rf, because of the grace period, rq Periodro Finance Charges apply b the balance b a VensacUen category. We use the Average Daffy Balertce ¢rtduding new irensedans) rrtelftod of Un9 Ore Ddence upon which we loose Periodic Finance Charges. We compute the Average Daily Balance for each lrensachon category by adding UP all Nte defy balances b a biEdng period for a Vansaction category and dialing the tots) by the number of days in the bilir>9 cycle. We tampufe the daffy ba!arce breach fransec6orr cetogoryon eadr dayby first addxrg the bfbwing ao dre prevaus doy's defy balance, transactions made Mat day, fees charged Mat day and Periodic finance Charges earned on Mat day Na lrensacGon is posted b yaa Arxxwnt alter the dose of Me Diging period in vdtidr g oaxtrs, we wip treat the irensadim as traarrg ocaned on the first day of the bi4ng period in which it is posted ro your Account. A!I fees charged to yourAocoull are added to the stardard pudrase traraflcfion category wiM the exception of Cash Advance Transaction Fee Finance Charges which are added to the eppticable cash advance Irarrsaction category and Bnlarae Transfer Transaction Fee Fkrarice Charges which are added to the appticabte balarae Irans(er transaction category. When the spectral reb expires,, we move Ute urtpad babrtce of the balance Vander and the Babrrce Trarrsier Transadart Fee Fkrartce Charges to the standard pudtase lrarrsadion category. However, N Use speaai rare has been lerminabd wider the Oefaug Rafe Pbn, we leave Me unpaid betance of the balance Vansier and U,e Selene Trenskr Transaction Fee Finance Charges in Ore appUcabte Uansaction category txdil the special rate would have expired. F« Tim (TelecommuMcaUorrs Device for the Deat} asaiatanu, cog 1800.347.7449. Discover ntay manila andla record blephone rails between you and Diswver representatives fa quatiy assu~oe purposes The Diswverv card is issued by Discover Beek, Member FDtC. 017&(107 DISCOVER t~ P~ ~ KENNETH GENTRY ~C Account number ending in 9139 Announcing Pending Transacfiions! You asked, we listened. Cardmembers can now ViBW pending trarnsctttians online! Check your purchases in realtime to stay connected to your arcount like never before either online or using your mobile device. iog in t0 yOUr pCCOUnt at Discaveccom From your lopfop or your mobile device and sea far yourself! ®2012 Discover sank Memi~er fDtC ~- . Cbsing Dale: August 11,2007 pays 2 of 2 Finance Charge Summary Balance Transfer offer For current billing period: Daily Periodic Rate: 0.02164%; corresponding ANNUAL PERCENTAGE RATE: 7.90%. Rate is subject to the terms of the offer including expiration. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic fee , Daily Periodic PERCENTAGE PERCENTAGE FYJANCE FRJAPICE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $10097.05 0.06025% 21.99% F 21.99% $188.59 $0 Casfi Advances $0 0.07121% 25.99% V 25.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (VI as noted above. QUe511'IOT15? Manage your account at Discover.com or call 1.800-DISCOVER (1-800-347-2683. DISCOVER New Balance Minimum Payment Due 59,991.47 S203.00 Payment Due Date October 10, 2007 Account Number ending in 9139 Enter Amount Enclosed Bel`ow~ $~ Please make check payable to Discover Card or pay online ~ Discovercard.com. 11 SDSN6A01 0013622 KENNETH GENTRY 22 ASHHURG DR MECHANICSBURG PA 17050-8203 Address, email or telephone ehange$ Print change in space above, or go to Discover.com. Print your e~rtail address to receive important Account information and special offers. OODD01986458932953553099914700000000020300 Discover More Card Account Summary Closing Date: September 11, 2007 page 1 of 1 Account number ending in 9139 Previous Balance $10,007.47 Payment Due Date October ] 0, 2007 Payments And Credits - 204.00 Minimum. Payment Due $203.00 Purchases + 0,00 Credit limit $10,500.00 Cash Advances + 0.00 Credit Available $508.00 Balance Transfers + 0.00 Cash Credit Limit $5,400.00 Finance Charges + 188.00 Cash Credit Available $508.00 ___ New Balance = $9,991.47 You maybe able to avoid Periodic Finance Charges, see the reverse side For details. Cashbatk Bonuse Opening Cashback Bonus Balance $ 12.02 New Cashback Bonus This Period ± o.ao Cashback Bonus Balance $ 12.02 Cashback Bonus® Since Anniversary Month October: $8.97 Cashback Bonus(R) is America's #1 Cash Rewards Program) Full 5% Cashback Bonus on Get More purchases in popular categories throughout fhe year and up to 1S° Cashback Bonus on all your other purchases. How Con We Hel You? p 1 • Visit Discover.cam to pay year Gil For na cost, view our latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.804DISCOVER (347-2683) for Fast easy salfaervice 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. Wri#e us at Discover Card, PO Box 30943, Sak Lake City, UT 84130 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. Trans. Post Date Dale Payments and Credits Sep 7 Sep 7 INTERNET PAYMENT -THANK YOU $ -204.00 Finance Charge Summary Balance Transfer offer for current billing period: Daily Periodic Rate: 0.02 T 64°.6; corcesponding ANNUAL PERCENTAGE RATE: 7.90%. Rate is subject to the terms of the offer including expiration. Average Daily Nominal Transaction ANNUAL ANNUAL Periodic Fee Balalnces Rate d~c P~ERFCESNTAGE ~R~SNTAGE FINANCE FINANCE -~S _. current billing period: 31 days Purchases $10065.50 0.06025% 2 f .99% F 21.99% $188.00 $0 Cash Advances $0 0.07121 % 25.99% V 25.99% $0 $0 The rates that apply to your Accovnt era either fixed (F)or they may vary (V) as noted above. Text APP to DISCOV' to receive a Ilnk to our tree mobile app and pay your bill in seconds from anywhere! Po sox 71084 Illrrrllrrrr~rllrrrlllrrl~l CHARLOTTE NC 28272-1084 LJ,IIrJr~rlrll~rrlrrLl~rrIlllrrrlrrlrrlrrll~rLd~rlrl~Jl r" Important Infamatbn. If tltero is sere Than arts page te 1NS b4krrg stataneM, seethe bade of each page for adddiona) irt>fttortaM inhrtreliat. See your Cardmember Agreamertt. Yar Cardmerrrba agreement ooMains sU the temrs of year Accarnt Lost or stolen rarde. Report immadretey! CaA 1.800.347.2683. ' Billing Rights Summery. h Case of Ertars a twestions Ahoul Yar BiH: f(yod Utirdt your bB is wrong; a iF you reed more idonnation abort a transaction on your fill, write us on a separate sheelof paper ~ Disoarer, PO Box 30421, Salt Lake Gry, UT 84130.0421, as soon as possible. We must hear from you no Islet tltan 60 days after we sent you the fast fill an which the era a problem appeared You cart blephare us, leaf ddtg so wd rat preserve yotr rights. In yar letter, give us the folowdng atlarrtakat: • Yotr name and Accorxrt numbs • The ddlar arrtant d ttre impeded error • Destxbe the error and explan. 4 you can. why you believe there is en error If yea need mare intorrrte6on, destxibe the item you are unsure about. You ~ not hake b pay arty amount in question wh4ee wv; are trtvesdgetittg, but you are stfl obkgated to pay the parts of your bf l that are not Hr question. WAile we investigate you question, we cannot report you as delinquent a take arty adios ro Idled the amauM you question. Special Bale fa CredU Card Purchases: U you have a problem wiUt the poetry ntgoods a services that you purchased with a credit card and you have hied in good fe6h te mrred the prebbm ttith Ute rrterdtarrt, you may rat have a pay Qte remaining amaart due m the goods a services. You have this pudectiat Doty when the puchase price was mare Than $50 and the purifiase was made in yore harts state a within 400 rrribs of your n>a~ng address. Qf we own a operate the merchant, a if we marled you the advertisement for the good or services, ap the ptrchese ere covered regardless d the amount a ktcatien d the prrdrase.) Payments. Send ordy you payment and the top portion of the statement in the envebp provided. Do not send wsh. By sert~ng your check es desa4ted above, you authorize us to use ark>mtation on your check to treks ant elechorticfund trerrs(er from your account at Ute fmandal insiituhon indicated on you cfterdr a to process Ute payment as a check transaction. It the payment ig processed as an elecbatic ford transfer, the transfer wiN be far the amount of the check. When we use inlormaUarr from your check to make an electronic fund transfer, funds may be witltdraam from. your accetmt as soon as the same day we receive your payment, err? you will not receive your check bade from your tinandal institution. The prrttxKSing d your payment maybe delayed if you sertd cash, corresporMence a other tams with year paymem,'rf you seml the payment to any outer adtkess a if yar trse an envelope other lhart the one provided. Payments received in proper form at our precessing fadity by 5PM local lima on any day wiR be aedited to yea Acmvtt as of that day. Payments received at oa processing (adtity after 5PM local tare wdl be aedited to your Acootnt as of the next day. If you have misplaced your envelope, send yorx payment to Discaret, PO Box 6103, Carol Stream, IL 60197.6103_ Please ailrnv 7-10 days for delivery. H your payment is returned unpaid, we reserve the right to resubmit it as an efectmnic debit. You pn pay your minimum payment a a greater amount ova the telephone, and you pn set up automatic payments. Call us at 1-800-3472683. You wtlf need this sWlemeni arrt your bank acauN iMortnalwn. You must ensure That suffidenl furxfs ere available in }rout bank account and od hansec!ions must ~y with U.S. law. You web be asked to provide the first 5 digits of yea account statement ZIP code. By entering those ;rumbas es your eleelrortic signature, you vriM be agreeing to lh'is aulhorizalion to elbw us and you bank to dedud each payment you autlrorize from you bards account, and to initiate debit a aedd mates to your baMc accottM, as appNcable; to totted error in the processing d such payment You roust b11 us the amount of eadr payment, or you can select an errarnt such as Minurvm Payment Due a the New Balance on eadr statentent. You ten cancel a Payment, however we must receive ratite at bast Uaee business days in advance of the scheduled paymad You Trey ratify us by phore al 1-800-347-2683 a by male at Use address ksted m the previous paragraph, If yea payments may vary in amowU we wdl teA you on each narafrly statement when your payment wiN t>e made end how much a wci be. Your Automatic payment amount maybe Tess then the indicated on the monthly statement based on aedils or payments applied during the biikng cycle. Credit Reporting. We may report infc:rnation about your account to aedil bureaus. Late payments, missed payments, cr dher defaults on your account may be reflected !n your aedit report. We nortna8y report the status and payment history of your Accotrnt to aedit reporting agencies each monUr. If you believe Ural our repot is inaccurate or incomplete, pease write us at the fopaving address: Discover, PO Box 15316, Wikrington, DE 198505316. Please include your name, address, fame tetephone number andAccount number. PERIODIC ffNANCE CHAGES. Pedodb Finance Charges are imposed art ~ trarsactions ham the date the sansadian is posted b ycgrAccount tnN the date you pay your enure New f3slance, by making payments err receiving aedls, however, we wyl provide the folbwktg'grace period" II you paid Ure New Bebnco on your pervious bSkrg statement by the Payment Due Dale stxtwn on tltat statement, ant yet pay the New Balance by the Payment Due Date on this statement we wtii rat impose Periodic Finance Charges on crew purchases, that is, purchases first appearing on this slalerrenl. Othervtiae, yea wdl receive a Ming statement next month that krckrdes Periodic finance Charges on (hose new purdhases. There is rro grace period on balance transfers a cash advances. We sort yes transactions into groups of padtasea, cash advartees, and balance harefers and then further sort the bansadions within each group fry ttteirArxxtel Percentage Rate. Fa example pudhases twbjed te a prorrioliand rate and purchases s<rbject to standard rate wotdd be seperete groups. We refer to These groups as trarrsactron ptegories. At The. end of each b6drrg period, we compu0s Periods Finattce Charges for each daY of ~ biging period for each transedan category. We hse Ure foiknving equaliat to rarrtptde Perad~ faeach transaction category. Average Dad} Balance x number of days fn the baling pedod x Defy Periodic Rete. (Sae the firrerrce charge summary an your stebmentfa tMse anrotxds.} Tltat we add tp the Perio&c Pinatas Charges fa eadr trarreadbn rategay to get the total Periodic Finance Charges to your Accent. The averege Dai!y Ba!nitce is scram as zero H, because a the grece period, no Periodic fnanco Gfrargea apply te the balartce in a transechon category. We use theAverage Defy Balerroe {stdur6rrg new hansedrorrc) meUad of calwiafe~ the balance upon which we impose Periothc Firtarae Charges. Wetxxnpute theAverage Dedy Relates fa each bansadiort ca4agtxy by adding up e11 Urn daily belartces m e Mtlirtg period fa a transadbn category end drvidittg the stet bf the numbs of days n the bd6ng cycle. We compute the da4y balance fa eadt transactron category on each day by fist adding the flowing to the previous days dad} balance, transedarts made tf,at may, fees dtarged that day and Periodic Firence CMrges rrcaued an Utet day If a bansaction is posted to yaurAccount a8er Ure close of the bdling pedod in which it occurs, we w8 heat the trarrsadion as having created an Ufa lust dap of the biNkrg peiod in vvhidr d is posted to your AccovtL All fees dtargad to yoaAccount are added to the standard pwdtase hansachon category with the exception of Cash Advance Trensedion Fee Finance (;aterges which ate added to the appkatNe cash advance trarnactixat category and Balance Treruta Trertsaction fee Finance Ctrarges which are added ro the appkcabb balartoa transfer lsereadiar category When fie spedal rate expires. we move Ure utpaid belarae of the balance transia aril the Balance Transfer Transechort Fee Finance Charges to Ure standard purchase trensadion cetegay. However, if the spedel rete has been telmineted order the Default Rate Plan, we leave tfre unpad balerrce of Me balance transfer end the Balance Transfer Transaction Fee France Charges in th appticahb Uaneadien category urdil Ure special rate would have expired. For TDD (TektamtunkegonsDavice for the Deaf) asahtartce, call 1.80x347.7449. Discover stay moNtor ardkr reoadldeptarte r;aatls between. you and Diswva represente6ues fa poetry assurance purposes The Diswvere card is issued M' Discover Benk, Member FDIC. O1TBK107 CC New Balance Minimum Payment Due Account Number ending in 9139 ~~SC~~G~ 510,057.90 5198.00 Enter Amount Enclosed Below Payment Due Date November 10, 2007 please make dwck payable to Discover Card or pay online ~ Discovarcard.<om. 11 SDSN6A010013623 KENNETH GENTRY 22 ASHBUR6 DR MECHANICSBURG PA 17050-8203 Text APP to DISCOV' to receive a link to our free mobile app and pay your bill to seconds from anywhere) Po sox 7]oa4 Ilirrrllrrrrrrlirrrlllrrlr CHARLOTTE NC 28272-]084 Address,a-mail or telephonechange$Printchangeinspace lulrllrrlu~l~llurlulilrnllll~nlulirli~llulnlul~liill above, or go to Discover.mm. Print your email address to receive important Account information and special offers. ODD003r9864589329535531D057900DD00DODD19800 .._ Discover More Card Account Summary Cbsing Date: October 11, 2007 page l of 2 .Account number ending in 9139 Previous Balance $9,991.47 Payment Due Date November 10, 2007 Payments And Credits - 203.00 Minimum Payment Due $198.00 Purchases + 87.47 Credit Limit $10,500.00 Cash Advances + 0.00 Credit Available $442.00 Balance Transfers + 0.00 Cash Credit Limit 35,400.40 Finnnce Clrargac + i S l .96 Cash Credit Avoibble 3442.00 New Balance $10,057.90 You may be able to ovoid Periodic Finance Charges, see the reverse side far details. Coshback Bonus® Opening Cashback Bonus Balance $ 12.02 New Cashback Bonus This Period + t).43 Cashback Bonus Balance $ 12.45 Cashback Bonus®Since Anniversary Monfh Odobar: 39.40 Cashback Bonus(RI is America's #1 Cash Rewards Program) Full 59o Cashback Bonus on Get Mora purchases in popular categories throughout the year and up to 1 `Yo Cashback Bonus on all your other purchases. How Can We Help You? 1 • Visit Dfs<overcom to pay yarn bi for ne cost, view your latest Account information, cam and redeem rewards and more It's your choice - 3 wtrys to help 2. Call 1.8o0-DISCOVER (3 4 7-26 8 31 For fast, easy selFservice Please hove your Discover Cord available. options or to speak with a Customer Service Account Manager For TDD assistance for heori im fired see reverse side 3. Write us of Discover Card, PO Box 30943, ( n9 ~ pti I Salt lake City, UT 84130 Transactions $0 Fraud liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Paymenh and Cr+edrts Oct 9 Oet 9 INTERNET PAYMENT -THANK YOU $ -203.00 Merchandise(Retail Od 9 Oct 9 TARGET HARRISBURG PA 24.35 Supermarkets Oct 9 Oct 9 GIANT FOOD STORES #OOS MECHANICSBURGPA 6.49 Oct 9 Oct 9 GIANT FOOD STORES #252 HARRISBURG PA 27.49 Oct 9 Oct 9 PURITAN'S PRIDE VITAMINS 800b45.9584 NY 18.56 Ocr 1 o Oct t 0 GIANT FOOD STORES #252 HARRISBURG PA t 0.58 Wish you could sort these purchases by amount, description or category2 You can - regaster at Discovercard.com to view your purchases online as far back as 12 months. Learn more at Discovercard.com/purchases -~ ~ _~ - ------r r hnportaM Informat(on. If gsere is more gran one page to this bikrsy statement, see gte beck d each page far additional important information. Sao your Cafdmember Agreement. Your Cardmemberagreement conta'ats aN gte terms d youAccount. Lost w stolen cards. ReportimmerJieteq! Call 180047.2683. Rifling Ri~rta Summary. h Case d Enars orQuesgons Ahoul Yar Big: If you ifank yore bgt is wraUq, or g you need tttae mfamafion about a transaction ort your 681, write us on a separate sheet of paper of Discover, PO Box 30421, Silt take City, UT 84130.0421, es soon as possrlde. We must hear ham you rro ~kr than 6D days after we sent you the first bill on wrt>«ir the arora problem appeared. You can telttphata us, but doing so ruffle tat preserve you rights. in your lager. give us the fogowirg information: • Your name artd Acootmt numbs • The do8az arrrounl d the suspected enor • Descrgte the ens and expfakr. A you can, why You begeve there rs en error H you need rttae informagon, describe the item you are unstve about. You do rat have to pay any ornaunt in question wh4e we ere k€trestigef rig, lxd you are sti8 obligated ro pay the pans d your bill that are not in question. While we investigate your question, we cannot report you as de6rsquent a take arty action ro cdlact the amount you quesaan Special Rate For Cred'R Card Purchases: g you have a problem with the quakty of goods a sevioes Ihat you purchased wish a credd card and you have tried in good taigt to correct file problem wgh the macham, yrw rrrey not have to pay tlse remafrtitg amount due an Itte goods ar services. You have lMis proiedwn only when g€e purchase price was more than 558 a~td the purchase was made in you' fame stale or within 1~ miles of your uutiing address. (ff we own a operate the n>erdtanL or if we orated you the advertisement for the good or services, a81he pudtese are covered regerdess d the amount a bcafan d the pud€ase.j Payments. Send ordy your payment and thz lop portion d gre slalemenl in the envebp provided. ()o not send cesh. By sending your check as described above, you authorize us to use information on you tdreck to make and electronic land hartskr from your account ai the financial inslilullat irMicaled on your shed: or to process the payment as a check transaction. If ltte payment is processed as an electronic fund bazrsfer, the transfer will be fa gte atrtatnt d the check. When we use inlamabon from year check to make an electronic ford irenster, funds may tre withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your firandal institution. The processing of yon paymed maybe delayed if you send cash, correspondenw a other items Niifr yrnr payment, if yea send the payment b any other address or it you rue an envelope dher thazt Iha one provided. payments received ro proper form at our processing tadfity by 5PM brat fime on any day will be credited to your Account as of that day. Payments received at our processing faall'ry agar SPk4local time will f>e credded Io yourAccnun! as of the next day. ff you have misplaced your envelope, send your payment to Discover, PO Box 6103, Card Stream, IL 60197-6103. Please akow 7-10 clays for dekvery. If your payment is returned unpaid, we reserve the right to resubmit it as an elecaanic debit You can pay ycur minimum payment or a greater amount overihe telephone, and you can setup euromatic payments. Call us at 1-800-3472683. You Rriif need this statement and your bank arcaunl infonnalion. You must ensure Ural sufficient rands are e'arilable m your bank acwunt, and aU transactions must comply with US. law, You wi13 be asked to proude the fasl5 digus of you accam[ statement ZIP rode. BY entering those nttnrbers as your electronic signalise, you wile be agreeing b lids authorizatbn to allow us end your bank to deduct eadt payment you attgtaize from yon barge aaasxrl, and b initiate delri€ or aedg entries to your bank accorxrt, as appicable, ro coned error a the processing d such payment You must k11 us the amount of each payment, a you can select an amount such ~ trwninatm Payment Due a the New Balance on each statement. You can cancel a payment, however vre must receive nogce at best gtree bsniness days bt advance of the adse~ed payment. You may ratify us by phone at 1-800.347.2683 a by mail at the address listed in the previous paragraph. IFyourpaytrrerrts may vary ro azr€otant we troll leg you on earh monthly statement when your payment will be made and how much it will t>e. Your Automatic paymenf amount maybe less then the indkated on the monthly statement based on rseclils or paynrenis appked doing the biking cycle. Credit Reporting. We may repon inlamalion atxwt your account ro credit bureaus. Late paynenls, missed payments, a other detaulls on your acccuni may be retleclzd in your credit roman. We norrr~liy report the status and payment history of your Account b aed'n reporgng agendas each month. II you believe gtai our repon is inaccurate a incomplete, please wore us al the fogmvirg address: Discover, PO Box 15316, Wikningron, DE 198505316- Please inclu~ your name, address, home telephone rwmber and Account number. PERIODIC FINANCE CHAGES. Periodic Finartoa Charges ate krposed on al hansacgons from gre date the hansaaion is posted to your A.uount until the date you pay your entire New Balance, by making payments a receiving ueckts. However, we volt provide Use idrovrkg'grace period" II you paid d>a New Balance on your pervious filing statement by the Paymem Due Date shown on That statement, ant you pay the New Balance by the Paytttent Due Data on this statartent we wR rml unpose Perbakc Finance Charges on new purchases, that is, purchases frst appearing on iltis statement Ogrenvise, you wit receive a biNksg statement next month That includes Periodic Finance Charges on those new purchases. There is ip grace period on balance transfers a cash advances. Wa sort yotr trarrsadip€s lob groups of ptadrases, cash advances, and balance transfers and dtors further sat the vansedions within each group by thehAnnual Percentage Rate. For example purchases subject to a promotional tale and purdteses subject to slartderd rate would be sepazate groups. We rater to gtese groups es transecgat categories. At Use end of each biting period, we compute Periafrc Fktenca Cftarges fa each day d the bNktg period kr each fraruactiat category. We rise gte folbwing equation Co aott>ptde Parodic la each aartsection category. Averege Dagy Basrrce x nuidter d days in tl~ b~Tatg period x peiy Peradre Role. (See the finance dtarge summery on you statement fa Itrese amourgs.) Then yva add W the f'?riodie Finartoe (~targes fa each hartaadion category to gat Ute total Periodic Finance Ctrarges for your Aarount. The average DaAy 8aiarrce is shown as zero if, because of ~ M grove period, no Periodic Fhattce Gsarges apply to the batartce in a lransection category. We ttse gre Avaage Daffy Balance (xrc4udktg sew bat€sariions) method of raict4atttg the balarroe upon vufdCh we impose Periodic Finance Chsrges. We mmptRe theAverage Daily Balance fa ends Irenaaction category by addeg W all the dilly balances in a bikkg period fa a lransactian category and dividKtg the told by the number of days let the billing cycle. We compute Use daffy balance br each tiansac6on category on each day by first addig the fotbvdrg ro (he previous de}+s daily balance, gansactons trade that day, fees charged that day and Periods F'martce Glvnrges aarued on that day. N a Uartsadion is posted ro youAccamt after the dose d gte baling period kr which it occurs, we wfiI treat the transaction as having ocaxred on the first day d gte biking paiod'm svttkh g is posted to yaurAocottnt AY tees Barged to your Aocamt are added fo gte standard puthase bansadion calegay with the exrxption of Cash Advarxe Transaction Foe Finance Chargeswhich are added to the applicable psh advance bansaclion category and Bslazsce Transfer Tronsacfion Fee Froasce Charges which are added to roe applicable balance Uansfer bansac~ot, cate}ynry k7ren the apeaarrate experes, wemove the unpaid belatreeo/gre baktnce aamder artd g€e Balance 7rarrsler 7ransedxxt Fee Firanra Charges fo dhe standard purc7taselransadron category. However, it Bic specter rote has beat terminated under the Defauh Rate Plan, we leave gte unpad balance d the balar€ce transfer and the Balance Transfer Trensacbon Fee Fuance Charges in the appkcabte Irensar9ias allegory anti the sper3al rele would have expred. For TDD (Tekcommunkations Devke fro the Deaf) assistance, rag 1.800.347.7449. Llscover may mordta ar+dta reaxd tdep]€one calls beMreen yea and Discoverrelxasrmtahves fa quaktyassurarxx3 purposes The Disrover^card is issued by Discover Bank, Mamba FDIC. O1TBK107 i. t~ rn . KENNETH GENTRY DISCOVER ' Account number ending in 9139 Announcing Pending 'transactions! You asked, vie listened. Cardmembers Can now View pending ~;=~~ =~;-~-;-;~ transactions online! f,---_-~- --~'_~~'~_ ~~ Check your purchases In realtime io stay connected to your occnunt like never before either online or using your mobile: device. ~~. F ~ ' !Ag In t0 ~IOUr QCCOUnt at Discover.carn from your laptop or '~ your mobile device and see For yourself! ,r"~~~~~ „~; }; , ~a 02012 quaror Bark, Member FqC Closing Date: October 11, 2007 page 2 of 2 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES curcent billing period: 30 days Purchases $10067.35 0.06025% 21.99% F 21.99% $181.96 $0 Cash Advances $0 0.07121% 25.99% V 25.99°~ $0 $0 The rates that apply to your Account are either fixed {F} or they may vary (V) as noted above. Questions? Manage your account at Discover.com or call 1-840-DISCOVER (1-800-347.2683. .--s-"~-- - _ . _T~. C ^ ~~SC~VER New Balance Minimum Payment Due Accovnt Number ending in 9139 510,084.74 szOS.uo Enter Amount Encbsed Below Payment Due Date $ December 10, 2007 Please make check payable to Discover Card or pay online ~ Discovercard.com. 71 SDSN6A01 0013624 KENNETH GENTRY TextAPP to DISCOV'to receive a Ilnk to our 22 ASHBURG DR free mobile app and pay your bill 1n seconds from anywhere) MECHANICSBURG PA 17050-8203 PO BOX 71084 Illurlltnurl~url~lnlrl CNARLOTTE NC 28272-1084 Address, e•moi! or telephoneehange$ Printehanga in space Irilrllrr~rrrlillirrlrrlilirrllllrrrlrrlrt~rrl~rrlrrlrrlrlrrll above, or 8o to Discover.com. Print your e-mail address to receive important Account information and special offers. DDODD19864589329535531DD8474DDDDDDDDD2D5DD Discover More Card Account Summary Closing Date; November 11, 2007 page 1 of 2 Account number ending in 9139 Previous Balance 510,057.90 Payment Due Dale December 10, 2007 Payments And Credits - 198.00 Minimum Payment Due $205.00 Purchases + 35.00 Credit limit $10,500.00 Cash Advances + 0.00 Credit Available $415.00 Balance Transfers + 0.00 Cosh Credit Limit $5,400.00 Finance Cha + 189.84 Cash Credit Available $415.00 New Balance 10,084.74 You may be able to avoid Periodic Finance Charges, see the reverse side far details. Cashback Bonuse Opening Cashback Bonus Balance $ 12.45 New Cashback Bonus This Period + O.QS Cashback Bonus Bahnoa $ 12.53 Cashback 8onus~ Anniversary Month: October Cashback BonusiRl is America's #1 Cosh Rewards Program) Full 5%Cashback Bonus on Get More purchases in popular categories throughout the year and up fo 1 %Cashback Bonus on all your other purchases. How Can We Hel You? p 1 • Visit Dis<overcom to pay your bi for rro cost, view OUr latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800.DISCOVER (347.2683 Ear Fast, easy self-service Please have your Discover Card available. options or to speak with a Customer Service Account Manoger 3. Write us at Discover Card, PO Box 30943, For TDD (assistance For hearin8 impaired) ace reverse side Soh Lake City, UT 84130 Transactions $0 Fraud Liability Guaranies Use your Discover Card with confidence. Trans. Post Date Dab Payments and Crodds Nov 9 Nov 4 INTERNET PAYMENT -THANK YOU $ -198.00 Medicd Services Oct 11 Od 12 COLONIAL PARK FAMILY HARRISBURG PA 10.00 Oct 11 Oct 12 DRS. MCCAIL BANOGO HARRISBURG PA 15-.00 Oct 15 Oct 15 COLONIAL PARK FAMILY HARRISBURG PA 10.00 Wish you could aorF these purchases by vmovnt, description or category$ You can -register at Diacovarcard.com to view your purchasea online os Far back as 12 months. Leom more at Diseovercard.com/purchases ~-~-• -.__ -----rr Important lnformration. if Urere a more gran are page ro this laging statement, see Ne back o1 redr page fa addAiorra! irrtptxlant information. See your Cardntamber Agreement. Yow GardmemberagreemeM oontainsall the temu of yourAccant. Last ar stolen cards. Repod immerkately! Cdl 1.800-347-2683. Dilltng Rights Sunmtary. In Case of frrots a QuesUats About Your Bit: tl you tfwtic you bg'u wrong, a if you need mere information about a transaction on your triN, write us on a separate sheet of paper at Dscover, PO Box X421, Salt Lake City, UT SA1~.0421, as soon as possible. We must heaz Uan ya rro filer titan 60 days aflaz we sent you the Est bill on which the eaa or problem appeared. You can tebplwne us, but doing so vn11 na preserve your rights. In your letter, g'we us the fofiowing irdamation: • Your name and Aaottnt number • The do8ar amount of the suspected ertor • Desdibe the ertor and explain. U ydr can. wiry you believe there is mf error. Hyou need ntora infotttte6on. desaibe the 4rlm you are unsure about. Yau do not have to pay any amount in question while we are investigating, bra you are slfil obligated to pay the parts of your bit that are rat in question. WMfe we investigate your gtraslan, we cannot report yar as delingerent a take any action ro mUed the amount you question. Special Rate for CredB Card purchases: If ytw Rave a problem with goe quakry ofgoods a serrtces that you purdrased with a rat card artd you have tired in good faith to correct the problem with the merchant, you may not have to pay the remaining amount due on the goods a services. You have this protection only when the purchase price was amore Ihan 350 end the purchase was made at your home stare a vrithin 100 miffs of your nra+6rx3 address. {g we own or operate Ute merchant, a it we mailed you the advertisement fa the good or services, all the purchase era covered regardless of gte amotmt or bcetion at the purchase.) Payments. Send only your payment and the fop portion of the statement pr the envebp provided. Do not send cash. By sending your check as described above, yeu authorize us to use information on your chock to make a,d electronic fund transfer from yotrc aanunt at the fmanrial institution indicated on yarc shed: or to process gte payment as a check transacEion. It the payment is processed as an eleclrorwc fimd transer, fhe transfer w81 be for the amount of the check. When we use information from your dtedc to make an electronic fund transfer, funds may be withdrawn Iran your account as soon as the same day vve receive your paymeltt and you witi rya receive your clteck bade iron your finandal institution. The processing of your pay,*t~n! maybe delayed if you send cash, carreapondence a other items wiBr your payment, if you send the pay;rrent to any other address a if you use an envelope other than the one ;novrtied. Payments received in props form at our prr>cessing laality by 5PM local lane on any day wiA be aediled to your Account as of gull day Payments received at our Ix uressing tadfity after 5PM local lane wiV be aedhed to yourAaount as of the red day. It you have mispUced your envelope, send your payment to Discover, PO Bax 6103, Carol Stream, IL 60197$103. Please allow 7-10 days for delivery. if your payment is returned wpaid, we reserve the right to resubmit it as an electronic Aebd. You can pay your ntini,num payment a a greater amount over the telephtxre, and you can set up automatic payments. Call us at 1500-3472663. You will need this statement and your bank account infonnafon. You must ensure that sufficient funds are available in your bank account, and aU irarrseckons must comply with U.S. law. You wilt be asked to provide the fast 5 digits of you aaounl slaterrrent ZIP code. By entering those numbers as your electronic signature, you will be agreeing ro this authorization to afow us and your bank ro deduct each payment yar atahaize from your bards account, and to irti6afe debit a credit entries to your bank account, as applicable, to correct error in the processing of such payment. You rraut tell us the amount of each paymera, or you can select an amount such as Matimum Payment Due a me New Balance on eadr statement You can cancel a payment, lwwever we must receive mice & leas) three business daysin advance of Ura scheduled payment. You may notiSy us byphorre at 1-8W347.2683 or by mar at the address listed in the previous paragraph. tl your payments may vary in artteuM vre ewll teU you on each rrnnWy statement when yore payment w~ be made and txw+ much it wiU be, Yovr Automatic payment amount may be less Iltert the inr6cated on the monVtly stalamenl based on credits or payments applied dung the billing cycle. Credit Reporting. 4Ne may report information about your account to credit bureaus. Late paytnenls, missed payments, a other defaults on your acwunf may be retlected in your credit report. We narnaliy report the status and payment history nt your Account to credit reporting ayerrcies each montn, tf you believe that rn v report is inaccurate or incomplete, please write us at the follovrirg address: Discover, PO Box 15316. Wilmington, DE 1985(}-5316- Please include you name, address, home tekplwne nunber and Account number. PERIODIC FINANCE CHAGES. Periodic Finaxe Charges are imposed ort aR transacdoru from gre dale the tmmadrorr a posted to yourAccourt rmttl gre date you pay your entire Neer Balance, by making payments a receiving credits, fknvevet, we wifi provide the Gotlowatg'grars period' If you paid the New Balance on your pervbus biVirrg statement by the Payment Due Date strown an tftat statement and you pay the New Balance by the Payment Due Gate an this statement we wig rot impose Periodic Finance Charges on now purchases, that is, purchases first appeararg on this stMement Otherwise, you will receive a bFlling stelemeni next month That includes Periodic Finance Gtarges on those new purchases. Thera is rto grace period an t>alarrce transfers a cash advances. We sari your Vansactiars aNO groups of purchases, cash advances, and balance transfers and then fuNrer sort ilia trensactiore vriltrin each group by then Mnuel Percentage Rate. Fa ezantpte purchases subect b a promotional rate and purchases subject W standard rate waWd be separate grarps. We refer to these soups es transaction celegories. At the end of each biffing period. we compute Peradie Firence Charges to each day M the bAing period far each Orarrsaawn eategay. We use the following equaliat b compute Periodic Fa eadr transac5on category Average Daly Balance x number of days m tlro bdlatg period z Deiy periodic Rate. {See the finartce du+rpe summery on your statement far these anmurds) "f l•,en we add up tip Pcniak: Fr,snce Charges for each iransadicm rategay to get (rte brat Periodic Firenrx Charges fa }u+x Accantt. The average OaAy Balance 5 shown as zero if, because of Ute grace perAri, nn Parodic f ireitce Gtarges apply to the balance err a traruerfion category. We rue IheAverage Daly 8alence (mdtrding crew tansactians) melfad d calculating the balance upon which we impose Periodic France Charges. We compute the Average Dairy Balsttce to each trensactan category by adding W a0 fhe daily balertces in a bang period for a transactbn category end divdkrg the total by the manber d days in the billing qde. We axnpute gre daily bafartae (or eadrlransacaortcategory oneach day by fast adding gre fdtowirg to the previous day's detlybalaxe, trazsaations made that day, fees drarged that day aril Periodic Finance Charges acatred an that day. If a Vansaction is posted to your Account after the dose of fhe bilfirg period in which it occurs, we will meat the transadion as having occurred on the first day of 6te blbrtg period's which it is posted to your Account. All fees dv7tged to your Account are added m the standard purchase Uarrsadron category with the excepcon of Cash Advance Transaction Fee Finance Surges which aze added to the applicable cash advance transaction category and l3al•iruz Transfer Transaction Fee Finance Cturges which are added ro the applicebe balance transfer aansadion category. When the special mee expires, we mane Ure unpaid bafarrce of the balance Varefer and the Balance Transfer Trar,sarxion Fee Finance Charges to the standard purdrase trensedion category. Flawever, rf the special rate has been terminated order the Default Rale Plan, we leave the unpaid balance of Me balaztce transfer and the Balance Trarsfer Transaction Fee Fatarue Charges in fhe applicable transactiat ptegay until the specal rate would have expaed. For TDD {Telecommunications Device for the Deary assistance, moll 1-6110-347-7449. Discover may monitor andyor record lelephorte cam between you and De;raver representatives for quality assurance purposes The Discovers prd is issued Dy Discover Basic, Member FDIC. O1TBK107 DISCOVER itpnystn KENNETH GENTRY ~S~ Account number ending in 9139 Announcing Pending Transactions! You asked, we listened. Cardmombers con now view pending transactions online! Check your purchases in realtime io stay connected fo your account like never before either online or using your mobile device. !Ag in t0 yoUf acCOUnt ar Discoveccom from your laptop or your mobile device and see for yourself! ®2012 Discover Bank, ASembxr FDIC Closing Date: f~lovember ] 1, 2007 page 2 of 2 Finance Charge Summary Balance Transfer offer for current billing period: Daily Periodic Rate: 0.021649'x; corresponding A NNUAL PERCENTAGE RATE: 7.90%. Rafe is subject to the farms of the offer including expirotion. Nominal Transaction ANNUAL ANNUAL Average Daily Periodic Fee . Daily Periodic PERCENTAGE PERCENTAGE FINANCE FNJANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $10164.49 0.06025% 21.99% F 21.99% $189.84 $0 Cash Advances $0 0.07121% 25.999x V 25,99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (1~ as noted above. QUeStlonS? Manage your account at Discover.com or call 1-800-DISCOVER {1-800-347-2683. ?~~ ~ _ ---r r- - `c New Balance Minimum Payment Due Account Number ending in 9139 . DIJ~~VER 510,300.81 $203.00_ Enter Amount Enclosed Below Paymenl Due Date January 10, 200$ phase mnke check poynble to Dixover Card or pay online ~ Dixovercard.com. 11 SDSN6A01 0013625 KENNETH GENTRY 22 ASHBURG DR MECHANICSBURG PA 17050-8203 Text APP to DISCOV' to receive a Itnk to our free mobile app and pay your bill In seconds from anywhere) AO BOX 71084 lltiutllnuu~tin,{~lu~ry CHARLOTTE NC 28272-1084 Address, o-mail or telephone change8 Print change in space ~rr~rl~ri~rrrlr~~,rrlrrl,~r,il~llrr,~rilrilrrl~rr~r,~r,~rl,r~~ above, or go to Dixover.com. Print your e-mail addross to receive important Account information and special offera. 00400198645893295355310300$100000000020300 Discover More Card Account Summary Closing Date: December 11, 2007 page t of 2 Account number ending in 9139 Previous Salanee $10,084.74 Payment Due Date January 10, 2008 Payments Arid Credits - 205.00 Minimum Payment Due $203.00 Purchases + 235.65 Credit limit $10,500.00 Cash Advances + 0.00 Credit Available $199.00 Balance Transfers + 0.00 ,Cash Credit Limit $5,400.00 Finance Cl,argoa + 185.42 Cash Credit Available $199.00 New Bnlance = $10,300.81 You maybe ebb to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ 12.53 New Coshback Bonus This Petiod + 0.58 Cashback Bonus Balance $ 13.11 Cashback Bonus® Anniversary Month: October Cashback Bonus{R) is America's #1 Cash Rewards Programt Fuif 5% Cashback Bonus on Get More purchases in popular categories throughout the year and up to 1 % Cashback Bonus on all your ocher purchases. How Can We Help You? 1. Visit Dlscavsrcom ro pay your bill for no coat, view our latest Account information, earn and redeem rewards and more (t's your choice - 3 ways to help 2. Call 1-80QDISCOVER (347-26831 for fast, easy self-service M anager options or to speak with a Customer Service Account Please have your Discover Card available. 3. Write us of Dixover Card, PO Box 30943, For TDD assistance for hearin im fired sea reverse side ~ g Pa ) SaN lake City, UT 84130 Transactions $0 Fraud Liabilly Guarantee Use your Discover Card with confidence. s. P T ~ b Payments and Credits Dec 8 Dec 8 INTERNET PAYMENT - TtiANK YOU $ -205.00 'RestauronK Novi 5 Nov 15 PIZZA GRlll CAMP HIIL PA 19.65 Medical Services Nov 29 Nov 29 SIEBER EYE ASSOC CAMP HILL PA 216.00 ~r Important Informa0on. OOtere is rrxxe than ate page to this b@~tg statement, see Ole bade of each page for additional impudent infomtaGon. See your Cardmemtxr Agreement. Your Cardmember agroemem contains all Ore terms of yroa Account. Lost a atokn cards. F~pon immediately! CaN 1.6D0.347-2683. Billing Rights Summery. In Case d Errors a Olreslions About Your B~: N yyoouu Ilarllc your bill is wrong, a if you need rose intormaOar shoal a trensactiar on your bill, unite us on a seperele sheetof paper at Discover, PO Box 30421, Sak Lake City, UT 84130-0421, as soon as possible. YYa mast hear from you no {star than 6D days afkr we seat you Ote fast l~ on vAadr the ens a prdrlem appeared. You can leleplrorte us, but so wOl trot preserve ywr tights. In your letter, give us the fallowing mkmraoat: • Your creme end Account numbs • The ddlar amaatl of the suspected error • Desenbe the eror and explain, if you can, wiry you beleve Orere is an ens. O you need rose arfamration, describe Ore item you are censure about. You ducat f+etw to pay arty araotatt ingrreskorr ufrAe tie are invesfiga&rtg, but you ere sk0 abfigated to pay Ste parts of your b0! that are trot in q+restiort. Wh1e we investigate Yocv queskan, we cannot report you ~ dekngtrent a lake any actiar to odd the amorart you question SpecEal Rate for Credk Card Purchases: U you have a problem with the quality of goods a services that you purchased wish a credd card and you have tried in good Iakh b correct the problem wkh the merchant, you may not have to pay the remaining amount due on the goods a services. You have this protection only when Ote prchase price was more than S50 and Ore purdrase was made in your home state a vadtin 100 miles of you maOirrg address. (If we oven a operate Ore merchant, or if we mailed you the advertisement for the good a services, alt the p~rdtase are covered regardless of [he amamt a bcation of the purchase.) Payments. Sell any you payment and the lop paaon of the statement in the envebp provided. ba not ssM cash, By sendeg your Bred; as described above, you authorize us ie use vrtorrnatian on your check to make and electronic lord Iransfer from your amount at the financial institution indicated on your check or to process the payment as a check vansaction. Jf the payment is processed as an electronic fund Uansfer the transfer will be for the amount 01 the check. When we use information from your check to n>Ake an electronic krnd 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 fnancal insdtudon. Tlae processing of your payment maybe delayed if you send cash, correspondence or other items with your payment, if you send the payment b arty other address err it yea use an erwelope other Oran the one provided. Payrrrents received in proper tam at oa proczssarg facility by 5PM bcal lime on any day will be credited to }roar Account as of that day. Payments received at ors processing faaGty a8er 5PM kxai rime v~ be credited ro yourAccount as of the next day If you have mvsplaced your envelope, send your payment to Discover, PO 0ox 6103, Card Stream, FL 60i97.6103. Please allow 7-10 days (or del'meuy. If your payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. You qn pay you minimum payment or a greater amount over the telephone, and yai can set up automatic payments. Call us at tA00-3472083. You will need this statement and your battle account inomation. You must ensae that sufficient funds are available in your bank acoamt, antl all transactions must wn>ply with U.S. law. You will be asked to provide the first 5 digits of you ama,m statement ZIP rode. By entering those numbers as you elecvonic signature, you wi0 he agreeing to this authodzalion to atlo~,v us and your bank to dedua eadt payment you authorze from you bank accasrt. and b Urinate debit a credit anUies to your bank account, as applicable, to oaract arts in the processing of such ~ payment Yai must tetl us the amount of eadr payment. a you can select an ernouM stub as Miramum Payment Due a the New Betance on each slatemtnsf. You can cancel a paymenE, however we must receive notice al lees) Ouee busaress days in advance of the sdredrtled payment You may rrotify us by plane at 1.800347.2683 or by mat at the address fisted in the previous paragraph. If your payments may vary in amount we wiO tetl YW on each rrwMhly staternentwhen your payment wi8 be made all how much it vd- be. YoirArrbmatic payment amount may be ass Oren the kdicated on tlce monody statement based on aedils or payments appYad durirg Ifre billing cycle. Credit Reporting. We may report infomtalion about your account to aadit bureaus Late payments, missed payments, or other delaults cn your account may be reflected in your credit repot. We normally report the status and payment lastory of your Account to aadil reportirx,7 agencies each month. it you believe Otat our report is inaccurate or inconynlela, pleasewd~ us at the bllowkrg address: Discover PO 0ox 15316, Wilmington, DE 196505316. Please include you name, address, home telephone number andAccrount number PERIODIC FINANCE CHAGES. Periodic FUrance l7targes are imposed on aA iransaGiOtls tronr the dale the tronsadron is posted ro your Account until the date you pay your entire New 0alance, by making payments a raceivUtg aedils. Hmvever, we wit provide the lolbwing `grace period' If you paid Ore New 0alarice on your pervrws bitling statement by the Payment Due Date shovm on that statement, and you pay the New 8alarrce by the Payment Due Date on this statement we vnN nil impose Periodic Finance Charges on new padreses, that is, ptudrases lust appearing on Otis statement. OUrerwise, you will rerzive a billing statement next monOr that mckxks Periodic Finance Charges on those new purchases. There is rro grace period on 6a~nce trerulers a cash advances. We sat you Uansecliorrs into grotQs of prrcheses, cash advances, and balance transfers and then bather sat the traruadions vrithin eadt group by theiAnrwal Percentage Rate. Fa example purr4rases subject to a promotional rate and ptschases subject to slarderd rate would be separate groups. We refer to grace groups as hansaction categories. At the end of sack bi0tg paled, we compute Periodic Finarroe Charges for Bch day of 9re fig pared for each Uarrsagion cek•gory. We use the id;ovring equation to wmpute Periodic for eadr trarrsectiai category. Average Daily Balance x number of days in the biting period x Deily Periodic Rate. (See the tinence charge slannmry on yorr statement for these amourtls.i Then wa add up Ote Periodic Finame granges ka each transaGiorr category to get the btel Periodc Finance Charges fa yaurAmaml. Thor average Deity Balance rs shown as zero it, because of the grace pergd, no Prxiodre finance Charges apply b the baierroe in a Vansacuon category. We use OteAverege Daffy Balance (ardu~ng new transactions) meNrod of caludating the balance upon which we impose Periodic Finance Charges. We wmpute the Average Daily t3alence to each Uansadion category by adding up atl the daffy bamnees in a bdlorg period fw a,tronsaction category and dividurg the tote! by the numbs of days in fire bitlirrg cyUe. We compute Ole daily bzdance to each frensadion aiegory on each day by krst ad~ng the loibvmg to the previous day's daily balance, Iransections made that day, fees charged Ihat day end Periodic Frrartce Charges actn~ed on met day If a transadiar Ls posted to yarn Account after the close of the lalfirg period N wtrich it occurs, ore will Ireal the transactbn as f~awng ocaxred on ffie lrsf day of Ore DilSng period Ur which it is posted ro yasAcoorad. Atl fees charged !o yourAaarnt are added b the standad purchase iansadtion category wkh the exception of Cash Adverrce Transacfwn Fee Finance Charges which are added to Ore applicable cash advance transaction category acct Balance Trerrsiar Trerraadien Foe Finance Charges which are added to the appkcable baance trarrater vansadan category When the spaded rate ezpUes, we move the urtpeid balance of Ote balance Uanskr and the Balance Transfer Trerisaction Fee FUrance Charges fo the standard purdrase Uansachon category. However, A the speaal rete ties keen !emanated under the Defa~9t Rate Plan, we leave lire unpaid balance of the balance Uanster and the Balance Transfer Transaction Fee finance Charges in the applcable Irensaaion category until the spertiai rate vawld have expeed. for TDO {telecommunications Device for the Deaf) assistance, call 1.800.347-7449. Discover may monifa ardor record telephone arils between you and Discover represenle4ves (a quality assurance puryoses The DiccoveP' card is issued by Discover Bsnk, Member FD3C. OfTBK107 i DISCOVER u pays w KENNETH GENTRY jS~ Account number ending in 9139 Announcing Pending Transactions! You asked, we lissened. Cardmembers con now Vit;W pending transactions online! Check your purchases in realtime to stay wnnected to your rxcount Tike never before either online or using your mobile device. in b yOUr aCCOUnt at Discovercorn tram your laptop or your mobile device and see for yourself! ®2012 Dismver $adc, Memlwr FDIC Closing Date: December 11, 2007 page 2 of 2 Finance Charge Summary Balance Transfer offer for current billing period: Daily Periodic Rate: 0.02164%; corresponding ANNUAL PERCE NTAGE RATE: 7.909'°. Rata is subject to the terms of the offer including expiration. Nominal Transaction Average Daily ANNUAL ANNUAL periodic fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FRdIWCE Balances Rates RATES RATES CFIARGES CHARGES current billing period: 30 doys Purchases $10257.74 O.Ob025% 21.99% F 21.99% $185.42 $0 Cash Advances $0 0.07] 21 ~'° 25.99°,6 V 25.9996 $0 $0 The rates that apply to your Account are either fixed (Fj or they may vary (V) as noted above. QueStiOnS~ Manage your account at Discover.com or call 1-800-b1SCOVER (1-800.347'-2683. ~~ ~- _~---r r -- DISCOVER s"i;,oa~Ce 11 SDStJeA01 0013626 KENNETH GENTRY 22 ASHBURG DR MECHANICSBURG PA 17050-8203 Minimum Payment pue $218.00 Account Number ending in 9139 Enter Amount Encbsed Below _ Payment Dve Date $ C- Fsbruary 10, 2008 Please fake check payable to Dixover Card or poy online ~ Diacovercard.com. Text APP to DISCOV• to receive a link to our free moblk: app and pay your bill In seconds from anywherei Po Box 71Da~ 111„rllrrr,,,ll,r,lllr,lr) CHARLOTTE NC 28272-1084 Address, o-mail or telephone changaC Print charge in space ~u~r~~u~rn~r~~ur~nlilur~ll~ur~u~u~ul~nlu~n~r~ul~ above, or go to Discover.com. Print your o-mail address io receive imporiont Account information end special offers. OOOOD]r98~45893295355311049730000000002180D Discover More Calyd Account Summary Closing Date: January 11, 2008 page 1 of 2 Aaourd number ending in 9139 Previous Balance $10,300.81 Payment Due Dale February 10, 2008 Payments And Credita - 203.00 Minimum Payment Due $218.00 Purchases + 753.47 Credit Limit $11,600.00 Cash Advances + 0.00 Credit Availabb $550.00 Baance Transfers + 0.00 Cash Credit Limit $6,000.00 Finance Charges + 198.45 Cash Credit Available 5550.00 New Balance = $11,049.73 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Opening Cashback Bonus Balance $ ~ 3.11 New Cashback Bonus This Period + 1.88 Cashback Bonus® Anniversary Month: October Cashback Bonus Balance 14.99 Cashback Bonus(R) is America's #1 Cosh Rewards Program) Full 5%Cashback Bonus on Get More purchases in popular categories throughout the year and up to 1 %Cashback Bonus on all your other purchases. How Can We Help You? 1 Visit Dncowneom to pay your bN for no cost, view your latest Account information, earn and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-80QDISCOVER (347-2683) For fast, easy self-service options os to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us of Discover Card, PO Box 30943, For TDD lasaistance For hearing impaired) see reverse side Sah Lake Ciy, UT 84130 Transac#ions $0 Fraud Liability Guarantee Use your Dixover Cord with confidence. Trans. Post Dab Date Payments arrd Cred'As Jan 10 Jan 10 INTERNET PAYMENT -THANK YOU $ -203.00 Merchandise/Reta~ Jan 1 Jan 1 APL*ITUNES 866-712-7753 CA 3.47 07388067 Travel/Entertairarrent Jan 2 Jan 2 CARNIVAL CRUISE 2V85L4 MIAMI FL 750.00 Wish you could sort these purchases by amount, description or category$ You can -register at Discovercard.com to view your purchases online as Far back as 12 months. Leom more at Dixovercard.mm/purchases ~r--~a~ta^- --- - - Uzi- ~ -- Important Information. N (here is more tltert one pagelo Nos baling statement, see the back of each page fa addl"ari~ important infonnaGon. See your Cardmemfxr Agreement. Yoa Cardmember agreement contains ell 1ha terms a yea Account. Lost a stolen cards. Report immediately! CaN 1.804347-2683, BiNltrg Rights Summary. In Case of Errors a t3uestiatsAbout Your ~: If tlank yow DID is wratg, a N yrw creed more iniomration about a trans lion on your hitl, write us on a sepaale sfleetoi pater at Discover, PO Box 30421, SaN Lake City, tTT 84121. as soar as p~bie. We moat hear lean you no later than 60 days attar we sent you the first bdl on wMdt the errs a problem appeared You can tefeplane tts, fwt darg so wit not preserve your righ6. In yarr lever, gyre us the folowing informatian~ • Yoa reme and Acaoad rztmbcc • Tire dollar amamt of the strspeded error • Descr3a Qre errorand explain, i(you can, wttyy<u believe there is an error K ytw creed moremkrnation, desarbe theitertt Sou are unsure . You do not have to pay any amount in question uRrile we are nveNigaling, but yet are sG11 obligated to pay Ua parts of you bit that era cwt in questlort. While we mvesigale your question, we carrot report you as delinquent a take any action b collet Ua amount you question. Special Rate for Credal Card Purchesos; If you have a problem with the qu~Uy d goods a servirns that you purchased with a credit card and you have tried in good faith to correct the problem with the merchant, you may not Crave to pay th remaining antamt drte on the goods a services. Ya have this prdection Doty vAren the purchase puke was more than S50 and the purchase was marls in your fame stale a wiUtin 10(1 miles of you m~krtg address. (If we own or operate the merchant, ord eve mailed you the advertisement for the good or servibes, aN the purchase are covered regardess of the amowt a location of Ure purchase.) Payments. Serd Doty your payment and the top podan of Ne siplement in the emielop provided. ~ rat said cash. By sending you cfaclt as described above, you authorize us to use information an your check to make and electronic fund transfer from you acrxwnl at tla financial irtstilution indicated on you check or to process the payment as a shed: transaGion. If the payment is processed as an electronic fund transfer, the transfa wit be for the amount of the check. When we use information from your check to make an electronic lard vartster, funds may tie withdrawn fran your account as soon as the same day we receive your payment, and you wit not receive your check back from your financial instimGan. The processing of your payment narybe de4vyed if veu send cash, caresprrndorrce of other items v;idr your pa;mwnt, if you send U>e payment m any other address or if you use nn envelope other than the one provided. Paytrtents recened in proper Fant a! our processing fadlity by 5PM Icccd lima on atry day wit be credited to your Account as of that day. Payments received al ou processing faciity after 5PM local time vnN be aedted la you Aaoatt as of the next day. it you (rave nnspleoed your amelope, send your payment to Discover, PO Box 6103, Carol Stream, IL 60197$103. Please allow 7-10 days for de8very If your payment is returned unpaid, we reserve fhe right to resubm4 it as an electronic deirii. You can pay you minimum payment a a greaser amount over iho lelepha~e, and you can sea up automatic payments. Call us at 1500-3472683. You will need This statement and your bank account information. You must ensure that sufficient funds are avaiahle in you bank account, and aA irarrsaetiens must comply with U.S. law. You wiU be asked to provide the first 5 digits of you account statement ZlP oxle. By enterkrg those rtumbars as your electratic signature, you wit be agreeing a this authorization to elbw us and your bank a deduct each payment you authorize Fran your bards accoaa, acct b initiate dntril a aedit erddes m your barUc aaxtunl, as applicable, b coned error it the processing of such payment. You must tell us the amount of each payment, or you can select an amount such as bknirram Payment Due or the New Baance on each stetetrrent. You can cancel a payment, however we must receive notice at least Utree buseress days M advance of the schedrUed paynteM.You may notify us by plane at 100.347.2683 a l>Y mat at the address tried in the previeta paregreph. It your payments may vary M amount we wit te0 you ors each moMhty statement when your payment wit be made and how much It wit l be. Your Aubmatic payment amount tray be less then the indicated on Ute irarnhy statement based on credits or payments applied dtaing Ofe billing cycle. Credit Reporting. We n>ay report inlonnation about your account to credit bureaus. Late payments, missed payments, or other defaults en your account may be reflected in y<,vi credit repot. We namaity capon Ute status and payrrlent fustory of your Aaroad ro credit repaYng agenaes each month. tf you believe That our report is inaccurate or krcomple!e, pk:asevnite us at the following address: Discover, PO Boz 15316, Wilmington, DE 19850.5316. Please include your name, address, borne telephone nurr~er andAccount number. PERIODIC FINANCE CNAGES. Periodic Finaaz G>erges are imposed on a!I trensactians lean the dale the trensactron is posted to your Accatxrl cola Nre date you pay your enbre New Balarse, by matting payments or receiving aedils. Hovrever, we wip provide Ute faNowa>g "gate period' If you paid Ute New Balance at your pervious billing statement by the Payment Due Date rheum on that stetem~ent, end you pay the New Bdance by the Payment Due pate on this sfalenteM we wit nM impose Perbd~ Finance Charges on new prxcltases, that rs, paohases fret appearing on this statement ONrervrise, you wd! receive a biting statement next month that inclydes Periodic France Charges on those raw pachases. There is ra grace period on balance transfers a cash advances. We sort yore ironsactions inb groups of ptachases, cash advances, and balance transfers and they father sort the trerbsactiorrs wRhbr eadt group by IhecAnnual Percentage Rate. For example purchases subject to a praradonal rate and purchases subject to stamlard rate twrdd be separete groups. We refer to Otese groups as Irartsaclion categories. N ate end of each bgiirtg period, we oompule Periodic Finance Charges for eadt day M the Ming period (a each uansacton catsgay. We use the bllowirg equation to compute Periocio fa each iansacton categoryAverage prriiy Balance x ntxnba of days m the biCag period x peaty Periods Rate. (See the finance chtage summary on your stalemeM tr these amounts.) Then we add up Ote Periodic Fin:trxe Charges to each iransectan category m gel the brat Periodic France Charges for your Acwunt. The average Daiyr Balance is simwn as zero if, became of tla grace pennd. ra Periodic finance Charges apply a the balance in a transactor category. We use the Average Da4y Retrace jindttriafg new transactions} method of cakulakng qte balance upon wiNCh we vnpose Periodic Fitarae Charges. We conywte the Average Daily Oafaztce fa each transaction category byaddkrg up all the daffy balances in a b period for a transaction category and dividing the rota) by the nurrtlrer of days in Ua baling cycle. We compute Ere daily baance fa each Uansection category on each day by fast adding Uue idbwirrg to the previous days daffy balance, transactions made Ihat day, lees charged that day acct Parodic Finance Chagas accrued on tlrat day. If a Irensadiort is posted m you Account a8er the cEose of the 1Mlkrg penal in wnich N occurs; we w~ treat the transaction as having occuned on the fssl day of the biting period M which it B posted d yea Aaount. AA fees dtazged to your Aocorad are added to the standard padase transaction cafegorywith the exceptiori of Cash Adverse Transaction Fae Finance Charges which are added to the applicable serif advance transactor category and Balance Tansfer Transacian Fee Finarse Charges whidt are added b the applicable balance borate uensaclnrr category When the apeciM rate expires, we move the urfpaid balance of the batarae transfer end the Belerree Transfer Tmnsadion Fee Firfance Charges fo the standard purchase Iransaclion category. However, 9 the spedal rete has bean terminated under the Deface Rate Plan, we leave rho unpaid balance of the balance transfer and the Balance Transfer Trensaclion Fee Frrance Charges in the applicable trarrsactran category cola the special rate would crave expired. For T~ {Telecommunicatiorre Device for the Deatf assistance, ca111.800.347-7449. Discover may monitor an~or record telephone eels belwreen you and Discover repres~taGves for qualAy assurance purposes Tne Discovet' card is issued b`1 Discover Bank, Member FDIC. 01TBK107 D~~r~`/Cps It to KENNETH GENTRY 4 r LIt ~ Account number ending in 9139 _liJC'~~ Announcing Pending Transactions! You asked, we listened. Cordmembers can now Yiew pending transactions online! Check your purchases in reaitime io stay canneded to your arcount like never before either online or using your mobile device. !Ag in t0 l/0Ur OCCOUnt at Discoveccom from your laptop or your mobile device and see For yourself! _s ®2012 Oisraver Bank, DMmhor FDK Closing Date: January 11, 2008 page 2 of 2 Finance Charge Summary Balance Transfer offer Fw currant billing period: Daily Periodic Rafe: 0.021649'°; corresponding A NNUAL PERCENTAGE RATE: 7.90%. Rote is subject to the terms of the offer including expiration. Nomirwi Transcactlon Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FMANCE RNANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $10625. i 7 0.06025% 21.99% F 21.99% $198.45 $0 Cash Advances $0 0.07121% 25.99% V 25.99% $0 $0 The rates that apply to your Account are either Rxed (F) or they may vary ly! as noted above. QUeSt1OnS~ Manage your account at Discover.com or call 1-800-DISCOVER (1-800-347-2683). '--s- _ - -irr-- _~ r New Bolonce Minimum Payment Due Account Number ending in 9134 DISCOVER s11,0a2.72 5224.00 Enter Amount Encbsed 8ebw Payment Due Date March 10, 2008 please make check payable to Discover Card or pay online ! Discnvercard.com. 11 SDSN6A01 0013627 KENNETH GENTRY 22 ASHBURG DR MECHANICSBURG PA 17050-$203 Text APP to DISCOV' to receive a Ilnk to our free mobile app and pay your WII in seconds from any~Mleral PO BOX 71084 Illrrt~lr"rrrllrrslllrrl' CHARLOTTE NC 28272-1084 Address, e-mail or telephone changeZ Print change in space ~rr~rllrr~rrr~r~~rrrlrrlr~rnl~~lirrlrrlrrlrrllrr~rr~rrlrlrr~l above, or go to Discover.com. Print your email address to receive important Account information and special oE(ers. DDD001986458932953553110427200DODDOOD224D0 ..~ Discover More Card Account Summary Uosing Date: February 11, 2008 page 1 oF2 Account number ending in 9139 Previous Balance $11,049.73 Payment Due Date March 10, 2008 Payments And Credits 218.00 Minimum Payment Due $224.00 Purchases + 2.98 Credit Limit $11,600.00 Cash Advances + 0.00 Credit Available 5557.00 Balance Transfers + 0,00 Cash Credit Limit $6,000.00 Finance C1ra • + 208.01 Cash Credit Available $557.00 New Balance 11,042.72 You may be able to avoid Periodic Finance Charges, see the reverse side for details. Cashback Bonus® Cashback Bonus® Anniversary Month: October Cashback Bonus{RM is America's #1 Cash Rewards Program! Full 5% Cashback Bonus on Get More purchases in popular categories throughout the year and up to 19e Cashback Bonus on all your other purchases, Opening Cashback Bonus Balance $ 14.99 New Cashback Bonus This Period ± Q~QQ Cashback Bonus Balance $ 14.99 How Can We Help You? 1. Visit Diseover.com to br~l far no cost, view ur latest Account informat~on~earrn and redeem rewnrdsoand more It's your choice - 3 ways to help 2. Call 1-SOaaSCOVER (347-2683! For fast, easy selFservice options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD {assistance For hearing impaired) see reverse side Salt lake City, UT 84130 Transactions $0 Fraud liability Guaranbe Use your Discover Card with conflderxe. Tnats. Post Data Dab Payments and Crodits Feb 10 Feb 10 INTERNET PAYMENT-THANK YOU $ -218.00 Merchandise/RetaR Jan 30 Jan 30 APL•RUNES 866-712-7753 CA 2.98 07959283 lnformction For You Congratulations) Your Account's cash credit limit has bean increased to $6,000.00. Wish you could sort these purchasea by amount, description or calegoryE You can - re~isbr ar Diseovereard.com to view your purchases online as far back as 12 mordhs. learn more at Discovercard.com/purchases -- ~ r' -- Important IMormatiort. If there is more Man one pgge to dris bdkng sletetnenL see d+e badt d eadt page i« addil'anei important information. See your CardmemFaer Agreement. Your Cardmember agreement contain all Me terms d yrnrr Account. Lost or stolen cards. Report imrnedietety! Ca81.800~347-2683. Billing l~ghta Sunmrery. (n Case of Errors a Quesli«rs About Yaur Bid; d lhid+ your bit o wrag, «if you need more information abort a hansadan on your bit, write us on a separate sheet d paper al Discover, PO Box 30421, Sak Lake City, UT 64130.0421, as soon as poasMle. We must hear from you no latH than frp days attar we sent you the first MII on which the error or problem appeared. You can teleplane tts, but doing so will not preserve your rights. In your fader, g'we us the fodowirg informatron • Your name and Aocouttt number • The dolor antaart d the suspected error • Desaibe the error and explan, 8 you can, why you believe there is an error. If you Head more irrfomradon, describe the aem you are unsure abort. You do not have to pay any amour in question while we are invasiigetiryl, but you are stiN obligated to pay the pads d yo« lritl Mat are not in question. W'hie we ewestigata your gtrestioq we cannot report you as deingtrent or take any aclion to cdlect the amountyou gt+es6on, Specrat Rate For Credit Card YurNrases: if you hair a problur+ wtiNt ttte qualityof goods orservires that yar pwchased urtM a aredd card and you have tried in good faits b correct Me problem with the merclrariL you may not have to pay the remai+ing amount due on Me goods a services. You have ctrl prdr;dbn only when the purchase price was more Man 350 a+rd the purchase was made in your Forme state a witVin 1110 miles d your maiFrrg artless. (It we own «operete the merchant, a Nwe mailed you the advediseinent f« the good or services, alt th puchr+se are covered regardless of the atraunt or location of dte purchase.) Payments. Send only yar payrr+em and Me top paten of the statement in d+e anvebp provided. Do not send cash. BY sending your dock as desamed above, yeti authorize us b use informatien on your check to make a+d elecronic fund transfer from you account ai the frntMrdal bstihrtbn indicated on your check «to process the paymem as a check transaction. N the payment is processed as an elecrcnic fund lmnfer, the transfer wit be t« the amount of the check. When we use information from your check to make an electronic fund 3ranfer, funds may be vrithdrawn from your aceoura as soon as the same day we receive your payment, and you will not receive your check bade from your financial institution. The processing of your pay+r+eM maybe delayed if you send cash, oor+espandence a oMer tams vriM your payment, if you send Me paylneM a any other address a if you use an envelope other EFVUr the one provided. Payments recehred in proper farm at ota processkrg faatity 5Y 5PM bcel time ar any day wilt be aedied to your Accormt as of tf+at day. Payments received al our processing lactity after 5PM kxxl time vr~ be aedited b yourAcoorxrl as o(the next day. If yrou have misplaced your envelope, send your peymead to Discover, PO Box 6103, Carol Stream, IL 60597-6103. Please aNow 7-10 days for delivery. If your payment is returned unpaid, we reserve the oght [o resulxni(it as an efectmuic debit. You can pay your minimum payment or a greater anoount over Me teleptxxte, and you can set up automatic payments. Call us at 1~OQ-3412663. You wiH need IhiS statement and your bank axounl futormetion. You mus(ensure that sufficient funds are available in your bank ammunt, and aN Iransaclions must comply with US_ taw. You wBl be asked to proeide the first 5 digits d you account statement ZIP mde. By entering tfasa numbers as your electronic sigtatum. you will be agreeing to this at+Morizatien to aiow us and your bank to deduct each paynteM you authorize from you bank acco+arL and b rcnliate debit or aed8 entries b your bank FxxounL as appfictrble, to correct error in the processing of such ' payment. Yeti must teA us the atrar+nt of each psymetri, a you can select en emarnl such as Mit+inxart Payment Due a the New Balance on each statement. You can cancel a paynnerlL however we must receive tfastice al least tFaee btrseass days b advarae d the sclredtrled payment You may notify us by plane at 7.800.34)•2683 «by mat at the address listed in the ixeviars paragraph. It your payments may vary in artaunl we will teA you on each m«+Mly statementwFten your payment wiR be made and how much it vnll be. Your Automakc payment artaunt maybe less then Me indicated on the monUiy satement based on aedds «payments applied during the bi![ing cycle. Credit Reporting. We may repon information about your account ro aedd tareaus. Late payments, missed payments, or other de(auhs on your account may be reflected in your aedit repon. We n«maliy report the status and payment f>isiory of your Accainf to aedi tepcuting agendas each month. If you believe Ihat our repot is inacwraie or incomplete, please write us at the following address: Discover, PO Box 15316, Wimington, DE 19850-5316. Please include your name, address, Fame telephone number and Aarount number. PERIODIC FINANCE CHAGES. Periodic Ferarrce Charges ae imposed ar a8 hansectiats Gom the date Me Uansadia+is polled b youAceounf until the dafe,you pay you enpre New Boleros, by making paymens «receiving aedds. However, we wit provide the fclbwbg'grace period' It you paid the New Balance on you perviotu bil'vlg statement by the Payment Due Date st+otm on that statement, 8rd you pay dte New Balance by Me Payment Due Dete on This Slatemerd we oriel rid impose Periodic fbance Charges on new purchases, Ihet is, puchases first appaming on Ibis statement Otherwise, you wip recewa a bAErlg statement r+exl Hants dwt includes Periodic Finance Charges on Ihose new purclases. There is no grace period on balance transfers a cash advances. We sort you transactions iota groups d purhases, cash advances, and balarae Irensfers and then further son fate transactions wht+in each group by their Annual Percentage Rate. Fa eza+nple purchases strbject to a pranotional rate and purchases subject to standard rate would be separate groups. We refer b dress groups as transaction categories. A[ U>e end d each bung perod, we compute Perar&c Fnar+ce Charges for each day d Me baling period fa each harrsadion cdegory. We use Me todavir+g equation to canpute Periodic For eadr har+sacdon eategory! Average Daly BaMrae x mrmber d days in dre bating peri«t x Daly Periafa Rate. (See 31re fin+mce charge summary on you statement fa these anwunis.} Then we add to the f`e+iodic Finance Charges f« each transaction category to yet Me brat periodic Finerae Charges for you Account. The average Daily Balance is strown as rero fl. because d dre grace pedod, no Periodic Firrarae Charges apply a the balance in a traruacUon category. We use Me Average Deify Baance (rtduding new trerrsedions) medad of cetadating the balance upon wfiiclr we impose Periodic Fnance CFgrgea. We mmpufe the Average DaiFi Balance fa each transaction gtegory by adding up ~ the daily belanoes in a biding period f« a transaction category and dividing the total by the mrmber of days in Me bifiing vide. We canpute the daily balance la each heruaclon category on eacfi day by fvstaddirrg the fdbueng to tl+e praviars day's daiylxalatce, lansadians made that day, &ws d>agad Mat day and Pwiodc Finarxx Charges accnred on dot ~Y. if a transaction is posted io youAaount after the Dose of the titling period in vAUctr it aeons, we w~ heat the transacfion as having ocaxred on dte Est day d Me biding period'm which it is posted to yourAecount. Aft tees rfiarged a you Acwud are added to the standard pud+ase fansacion categorywiM the exception of Cash Advance Trensedion Fea Finance Chagas which are added to the appficaWe cash advarxx+ transaction category and Balance Trarrsler transaction Fee Finarrce Charges which are added to the appdcable balance tranfer transaction category. When Me special rate expires, we move Me unpaki balance d the b~ance Uenfer and the Balance Transfer Transaction Fee Fxance Chagas to the standad puchase transaction category. However, if Me speael [ale tw.s been terminated under the Defaud Rate Pian, we leave Me unpaid bafarroe of Me balance transfer and the Balance Trenskr Trensaction fee Finance Charges ar Me epphcable transaction category until Me spatial rete would have expired. F« TDD )Tetecommunicadons Device for the Deaf) assistance, caN 1-800-347.7449. Discover may moret« andt« record telephone calls beN+een you and Discover representatives for quafity assuance purposes The Oisoov+eP cans rs issued by Discover BarUc, Member f DfC. OfTBK1D7 DISCOVER It sto KENNETH GENTRY ~ Account number ending in 9139 s~ Announcing Pending Transactions! You asked, we listened. Cardnembers con now view pending transactions online! Check your purchases in real»me b stay connected to your account like never before either online or using your mobile device. l.Og In f0 yotilf aCCOUnt at Discover.cont from your loplop or your mobile device and see For yourself! ~" ®2012 Discover ~ nnern6er FDIC Closing Date: February 1 1, 2008 pogo 2 of 2 Finance Charge Summary Balance Transfer offer For current billing period: Daily Periodic Rate: 0.02104%; corresponding A NNUAL PERCENTAGE RATE: 7.90%. Rate is subject to the terms of the offer including expiration. Nominal Average Daily ANNUAL ANNUAL periodic Transaction Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE pN/t,}rt~ Balances Rates RATES RATES CHARGES CHARGES _ current billing period: 31 dogs Purchases $11137.36 0.06025% 21.99% F 21.99% $208.01 $0 Cash Advances $0 0.07121% 25.99% V 25.99% $0 $0 The rates that apply to your Account are either fixed (F( or they may vary (V) as noted above. QtfeStlOnS? Manage your account at Discover.corn or call t-800-DISCOVE1t (1-80Q-3~t7-2883). ~-s----~,~-- - - -----Tr- DISCOVER s o $~ ore 11 SDSN8A01 0013828 KENNETH GENTRY 22 ASNBURG DR MECHANICSBURG PA 17050-8203 Minimum Payment Due S212_00 Account Number ending in 9139 Enter Amount Enclosed Below Payment Due Date April 10, 2008 Please make check payable to Discover Card or pay online 03 Discovercard.com. Text APP to DISCOV' to receive a Ilnk to our tree mobile app and pay your bill to seconds from anywhere! PO BOX 71084 ~llrul~nrru~lrrrll~rr~rl CNARLOTTE NC 28272-1084 Address, email or telephone change? Print change in space ~rr~r~~rr~rrr~rl~rrr~rr~rlrrr~l~~rrr~rr~rr~rr~~rr~rr~rr~r~rr~~ above, or go to Discover.com. Print your email address to receive important Account information and special offers. OOOOOb986458932953553107870300DDD000D21200 Discover More Card Account Summary Dosing Dab: March 11, 2008 page 1 of 2 Account number ending In 9139 Previous Balance $11,042.72 Payment Due Date April 10, 2008 Paymenh And Credits - 450.00 Minimum Payment Due $212.00 Purchases + 0.00 Credit Limit $11,600.00 Cash Advances + 0.00 Credit Available $812.00 Balance Transfers + 0.00 Cash Credit limit $6,000.00 + 194.31 Finanse Chargss Cash Credit Available $812.00 _ New Balance = $10,787.03 You maybe able fo avoid Periodic Finance Charges, see the reverse side For details. CaShbaCk Bonus® Opening Cashback Bonus Balance $ 14.99 New Cashback Bonus This Period + 0.00 CashbadcBonusBalance $ 14.99 Cashback Bonus® Anniversary Month: October How Can We Hei You? p 1 • Visit Discovercem ro pay your bit for no cost, view our latest Account information, eorn and redeem rewards and more ~t'S your choice - 3 ways to help 2. Call 1-800•DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have our Discover Card available. y 3. Write us at Diacover Card, PO Bax 30943, For TDD {assistance for hearing impaired) see reverse side $~} Lake City, UT 8.4130 Transactions SO Fraud Liability Guarantee Use your Discover Card with confidence. s. P ~~ ~ PaymatNs and Credits Mar 1 1 Mar 11 INTERNET PAYMENT -THANK YOU $ •450.00 finance Charge Summary Balance Transfer offer for current biding period: Daily Periodic Rote; 0.02164%; corresponding ANNUAL PERCENTAGE RATE: 7.90%. Rate is subject to the terms ofNre offer including expiration. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic P9tCENfAGE PERCENTAGE RNANCE FWANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 29 days Purchases $11120.85 0.06025% 21.99% F 21.99% $194.31 $0 Cash Advances $0 0.07121 % 25.99% V 25.997e $0 $0 The rates that apply to your Account are either fixed {F) a they may vary (V) as noted above. Need some help around the house$ Get organized For springg with your Diseover{R) Card. Get 5% to 20% Cashback Bonus{R) at top online retailers like linens & Things, Sears ar~d Office Max on our exclusive online shopping site, ShopDiscover. Visit Discovercard.com/shop today( - _.~ --~: r - _ - Important Information, If Urere is rmre then arre page to ikes Ming 5fetemart, see the bade of eedl page to additional important infommation. Sec your Cardmember Agreement Your Cardtnember agreement contains all gte temrs of yourAccoemt. Lost or stolen cards. Report inmediately! Cat 104347-2683. Siging Rights Summary, kt Case of Furors a quas(mnaAboul You Bib: If you Rank you big is wrong, or if you need mae krfonnation abotx a transaction on yea bill, write to on e separate sheet of paper at Discover, PO Box 30421, Sett take City, UT 8413f}-Od21, as soon as poss~le. We must hear from you no tatar dtat 60 days after we sent yuu gre first btll on which the error ar problem appeared. You can telephone us, but doktg sowig rtot preserve your rights. In yow letter, give trs the followeig etformation: • Your name ara(Aaaud rtumber • The ddlar amount of the suspected error • Drsciibe the errs and exptaal. rt you can, why you betieva there is an error. 6 you need rrore krformetion, describe the item you are unsue about You do not have W pay any amount in question whie we are iraresggatng. but you are still abkgaled W paylfre parts of you bit that are not W question. Whie vrc investigate your question, vrc cannot report you es delrpuenf a take any action [o cogect the arrtourt you question. Special Rate for CradR Card Purchases: If you have a problem with the 4~Y goods a services that you puchased wih a a'erdt card and you have tried in good faith W correct the problem wgh the tnerchani, you may not have to pay the remeirang amount due on the goods a services. You hens this proted'an only when the purchase price was mae than 550 and gte puchase was made m yore Ixmce slate a widrin 100 mies of your ntai&rg address. (If we own a operate Ore merci>ent, or if we mated you the aAvertisement fa the good or services, all the purdtese are covered regard'RSS of Ute amont or kration of 9re purdrace.) Payments. Send only yotrr payment and the lop por0on of the siatemem W gte envelop provided. Do not nerd wsh. By sending your check as described above, you authorize us to use information on your dtedc W make and electronic fund kansfer from your account at the financial institmion indicated on your check er to process the paymerN as a check transaction. tithe paymen3 is proces.=,ed as an electronW krtd Iansfer, the kanslerwd be fa fhe amowt of the cfiec}e. Wfren we use information from yeur check to make an electrorNC fund transfer, funds may be tvdhdravn from your account as soon 8g the same day we receive your payment, and you will not receive you shade back from yeur financial instilutirn. Tire processing of you payn»N maybe delayed if you sand cash, correspadence a other items vrilh ywir payment, if you sand the paprtenl to any other adrkess or if you use an envelope oUta than gte one provided. Payntenls tecen`ed in proper fomf at our processirxy faedlity by SPM local line on any day wit be credited to your gcooum as at [hat day. Payments received at our processng faddly atter SPM kcal time wip be credited to yeuAccounl es of the next day. If you have misplaced your erwelope, send your payment to D~scevar, PO Box 6103, Caro! Stream, It 60197-fit 03. Please agow 7-10 days tar delivery. If you payment a tenoned unpaid, we reserve the right to resutxnit it as an elecronic debit. You can pay your ma~unum payment or a greater amount over the teleprxxte, and you can sat up automatic payments. Call us at t X043472683. You vriH need this statement and ycur bank amount infomation. Yat must ensue that suffident fords are available kr you bank account end ag transactions must comply with U.S. law. You wilt be asked to provide the first 5 digits of you amount statement ZIP code. By entering (hose numbers as yaw electronic signature, you wi! be agreeing W this authorization to albw us and you bank to deduct each payment you aud»rize trap your bards accourd, and W irritate debit a aed'd entries to your bank account, as appicabte, W correct ens in the processing of such payment. You must tell us the amount of each payment, ar you can select en amount such es Mitamtm Payment Due a gte New Balance on each statement. You can cancel a payment, however we must receive notice ~ feast tftree busirress days kt advance of the scheduled payment. You may ratify us by phone at 1.8003b7.2683 or by mail at the address listed in rite previous paragraph. g you peymems may vary in amount we will tell you on eadr monthly statement when you payment vrtA be made and hrnv much d rvi!I t» Your Automatic payment amotmi may be less then the indicated on the mongdy slaWment based on credits or payments applied during the billing cycle. Credit Reporting. We may report information about your account W credit bureaus. Late payments, sussed payments, or other d=faulls on your aaeunt may be re0acted in your credit report.l4`e normally report the status and payment history of you Amami to aedil repalirtg agencies each month. If yen believe (hat our report is inaccurate or incomplete, please write us at tte fdlowing address: Discover, PO Box 15316, WimugWn, DE 19850.5316. Please include you name, address, tame telephone number and Aooount number. PERIODIC FINANCE CHAGES. Parodic Finance Charges are imposed on all trarrsacgons from the dale the transaction is posted W yrouAccount anti the date you pay your entire New Balance, by making payments a receivirtg aedils. However. we will provide the ietbwalg'gace period' g you paid the New Batarrce on yea pervious billing statement by the Paymtent Due Date shown on that statement, ad you pay the New Balance by gte Payment Due Oa1e on this statemeMwe wR not impose Periodk Finance Charges m new purchases, that is, purchases first appearing on this slatemertt Ogrerwise, yar vui receive a tulkrtg statement next ntontlt that includes Periodic Fnance Charges on glow new puchases. There is no grace period on balance vartsfers ar cash advances. We sort your trarrsed»ns Flo groups of puchases, cash advances, and balance transfers and grert hither sort gre transactions within each group by the'aAnnual Percentage Rate. For example ptat#rases stbjed to a prornolronal rata and pudteses srbject W standard rate vvarkl be separate groups. We refer b these groups as transaction celegories. At the end of each biAirg paled, we canpute Periodic Finance Charges.far each day of the bigirtg perWd fa each transaction celegory. We use the folbwing equation W compute Periodic Wr each transaction category. Average (laiy Belartce z ntarrbar of days in d,e taAxg period x Daly Periodic Rale. (See the finance drarge sixnmary on you statement fa these an»unls.} Then vrc add rip the Perialic Penance Charges Wr each trarrsactian category W get gte Wtal Periodo Finance Charges for your Account. The average Daily Balance is shown as zero it, because of dre grace period, no Periodic Finance Charges appty to the b~ance in a transadan category. We use 9re Average Daly Balance (atcluding new kartsadtons) method of caladatktg the balance upon vrfacft we impose Periodic Fktance Charges. We compute the Rverage Daiy Balance for each Vensatdion category by adding tqs ai ftw defy belartces kt a billing peciod for a tran58ctirnt category arA dkndmg the total by the number of days kt the billing cycle. We compute the daffy balerxz fa each tmnsadion ralegary an each day by first addng the Wlbwirg to the previous day's daily baiartce. transactions made that day, fees charged That day and Periodic Fimrrce Charges troaued on brat day. If a (mir38gion is posted W yourAccounl aHer the curse of the biding period in whidt g occurs, we will treat the transaction as htaving ooaxred on the brat day of the felting period in which rt a posted to youAmouM. AH Wes dtatged to your Account are added to the standard puchase lransec6on calegarywilh the exception of Cash Advarxe Transadon Fee finance Charges which are added ro the applicable cash atNartce trarsactran category and Balance Transfer Trensac6on Fee Fktance Charges which are added W the ~plipbte balarke transfer transaction category. When the special rate expkes. we move the tarpeid balance of the balance transfer and fhe Baance Trartsfer Transaction Fee Finance Charges to the sWrrdard puchase trarsacKien category. However, g the specal tour has been terminated under rite Defaud Rate Plan, we leave the unpaid balance of the balance trartsfer end Ste Balanrz Trensfer Trensaction Fee Fiance Charges h the applicable rrensadiwt category anti the spedel rate would have expired. For TDD (Tetecommuniwtions Device for the Deat}assistance, cog 1-900.947-7449. Discover may monies endla raced telephone cads between You and Discover representatives frnqualify assmancepurposes The Dacoverm cerd isissued tr/Discover Bank, Member FDIC OtTBK107 DISC®VER Closing Date: KENNETH GENTRY ~ Account number ending in 9139 pa8e 2 of 2 Cashback Bonus ® Award Summa Cashback Bonus Anniversary Date: October 11 Balance Previous Cashback Bonus Award Balance $ 14.99 Purchase Award This Period + 0.00 Cash ac Bonus Award Total 14.99 Cashback Bonus Award Balance Award Available to Redeem 14.99 $ 0.00 Restrictions apply to the Cashback Bonus Partner offers visit Discover.<om or toll 1-800-DISCOVER i1-900.347-2683) for details. For program details, see the Cashback Bonus ('rogram Terms and Conditions. C New Balance Minimum Payment Due Account Number ending in 9139 DISCOVER $10,784.37 $219.00 ~ Enter Amavnt Enclosed Below Payment Due Date $ May 10, 2008 Please make check payable to Discover Card or pay online ~ Diacovercard.com. 1t SDSN6A010013629 KENNETH GENTRY 22 ASHBUR6 DR MECHANICSBUR6 PA 17050-8203 Text APP to DISCOV" to receive a Ilnk to our free mobile app and pay your bMt In seconds from anywtterel PO BOX 71084 Illurllnrenllnrlllulrl CHARLOTTE HC 28272-1084 Address, e-mail or telephone changed Print change in space InIJ~rJnr~rl~uJn~rlurll~~rnlu~n~n~InlnlnlJu~~ above, or go fo Discover.com. Print your email addrosa to receive important Account inFormaton and special offers. 000001986458932953553]~0784570000D000021900 Discover More Card Account Summary Closing Date: April 11, 2008 page 1 of 1 Account number ending in 9139 Previous Balance $10,787.03 Payment Due Data May ] 0, 2008 Payments And Credits - 212.00 Minimum Payment Due $219.00 Purchases + 6.44 Credit limit $11,600.00 Cash Advances + 0.00 Credit Available x815,00 Bakrnee Transfers + 0.04 Cash Credit limit $6,000.00 Finance Charges + 203.10 Cash Credit Available $815.00 New Balance = $10,784.57 Cashbadc Bonus® Cashback Bonus® Anniversary Month: Qctober Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback BonuslR}. Opening Cashback Bonus Baksnee $ 14.99 New Cashback Bonus This Period + 0.01 Cashback Bonus Balance $ 15.00 How Can We Hel You? 1 • Visit Disemsrcem to pay yew bRl for no cost, view y~wr P kstest Account information, cam and redeem rewards and more It's your choice - 3 ways to help 2 Call 1-800-0ISCOVER 1347.2683} for Fast, easy selkservice Please have your Discover Card avaik:ble. options or to speak with a Customer Service Account Manager For TDD assistance for heart tm airs see reverse side 3. Write us at Discover Card, PO Box 30943, ( n9 ~ P ~ Salt lake City, UT 84130 Transactions - -- --- - $0 Fraud liability Guarantee Use your Discover Card with confidence. Trans. Post Dab Date Payments and Credits Apr 10 Apr 10 INTERNET PAYMENT • TIiANK YOU $ -212.00 AAercfiandiss/RetaR Mar 12 Mar 12 API."ITUNES 866.712.7753 CA 0.99 08812445 Apr 6 Apr 6 APl"ITUNES 866.712-7753 CA 5.45 09318884 Finance Charge Summary - __ __ _ - Nominal Transaction Average Doily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE RNANCE Baa ces Rates RATES RATES CHARGES CHARGES currant billing period: 31 Boys Purchases $10873.46 0.06025% 21.99% F 21.99% $203.10 $0 Cosh Advances $0 0.07121% 25.99% V 25.999e $0 $0 The rates that apply to your Account are either fixed IFj or they may vary (VJ as noted above looking for the perfect gift for someone specialg Save time and cam rewards -with 57o to 20% Cashback BonuslRj at online retailers like Overstock.com, Blue Nila and Apple Store through our exclusive online shopping site, ShopD(scover. Visit Discovercard.com/shop today) --sr- _ _ UnportaM lrtferrnatlon. tf There is more tlran are page a this billing statement, see the beck of axh page 4or additional importmtt hfonttatron. See your Cardmembar Agreement. Ytnx Catdmenlber agreement contains a0 the terms of your Account. Lost or stolen cards. Repot Urartediately! Ca01.900J47.2683. Billing Rights Summary h Cane d Errors a Quealions About Yotr BiO: I[ yyooUU Otin4c yow bit h wrarg, a 4 you creed more irtiomta4ion about a Uansedirm on your fxdl,write u5 on a separate sheet of paper at Discover, PO Box 30421, Soh Lake (lily, l1T 84130-0421, as soon as posable. We must hear from yuu no later Utat 60 days after we sent you the fast bill on whclt the error a problem appeared. Yet cart telephone us, but dohg sowill nil preserve your tights, h your lager, gire us the 4dbw4ng iMamation: Ytar name artd Aawnt rxanber • The ddlar rttttount of Ure suspected errs • Descr+be the error and explain, if you cart, tvhy you be4iave there is en error !f }rw need rrroremloarratan, describe the item ynu are tmscre about. You do nil have to pay arty amount in gtreslan while we are hvesUgating, tat you are slat obligated to pay the parrs of you biU that are not in question. Whore vve investgale your question, we certral repot you as ddatquent a take any action to coed the arneunl you question. Special Rate fa Credit Card Purchases: Il you have a problem wifi the gttaliy d goods a services that you prchased with a «edit card and you have tried in good faith W correct the problem with the merchant, you may not have to pay the remaining amount duo on the goods a services. You have this protecdon oily when ttte purchase price was mae than S50 and Ute purchase was made in yea home stale or witltin 100 miles of your mailing address. (If we own a operate Ote merchant, a if vre mated you the advertisement fa the good a services, a81he purchase are covered regardless of the amoart a IxaEen of the ptrrdtase.) Paymenb. Send only your paymem and the top portion of the statement in the envebp provided. Do rat send cash. By senrbng your checlr as described above, you atriftarize us louse information on yoU check to make and elearonic lultd hertster from your accaint al the fmattdd instittAion indicated on you check or to process the payment as a check Irensaclion. If the payment is processed as an electronic land Vander, the transfer wilt be for the artrount of the check When we use iMormation fran your dteck to make an elecbonic fund transfer, funds may be withdrawn tran your account as soon as the same day we receive your payment, and you will not receive your check back from you finandal in5tiulion. The processa+g of your payment maybe delayea a you send cash, mrresporeience or other items unlh your payment, if you send the payment to arty oUrer address or it you use an envelope other then the one provided. Peymerrts received h proper lam at ow processing faciidy bl' SPH bcal cane on arty day will be rxediled So you Account as of that day. Payrnenls received al oa processing facility after SPH bcal time wit be credited b yourAccourtt as of the next day. it you have misplaced yoia emrelope, send your payment to Discover. PO Box 6103, Card Stream, IL G01 g7-6103. Please allay 7-10 days for delivery If yore payment is returned unpaid, we reserve the right to resubmit it as an electronic debit. You can pay your rnidmum payment or a greater amouN over the telephone, and you pn set up automatic payments. Call us at t X00-3472683. You will need this statement and your bank account informaUun. You must ensae that suffiaent funds are aveihble at your bank account, and aU Vansadions must comply wiUt U S. law. Ycu will be asked to provide the fast 5 digits of you accoual sfelement ZIP code. BY entering those numtrtrs as your electronic sgrrature, you wit be egreeatg to this auUtorization to allow us and yore bank to deduct each payment you authorize Votn your bank account, and to initiate r~bi a credit entries to your bank amount, as appliable, b coned error in dte processag o} sudr paymem. You must tall us the amount of each payme[d, err you cart setecA an amount such as Hhimran Payment Due a the New Balance on each statement. You can cancel a payment, however we must receive rabce & I~st Uuee harness days in advance d the sclteduled payment You may ndtly us by phone a11-800-347-2683 err by maU at the address listed m the previous paragraph. 0 yorr paryments may vary in amount we war tefi you an each matthly statement when yrcnrr payment wia be made and how mudt it w~ be. Your Automatic paymcnl amotu;t may be less then the indicated on Ute monOtty statement based on credit or payments applied during the biting cycle. Credit Reporting. We may repod information about your account to credit bureaus. Late payment, missed payments, «other defaults on your account may be reflected in your «edit report. We normally repot the status and payment history of your Aantatt to credit repaEng agettcies each month. it yea believe that our repot is inacrruate a incontptele, please write us at the fdbwing address: Discover, PO 8oz 15318, Wdmutgton, DE 198505316. Please include yo« name, address, home telephone number and Account number. PERIODIC FlNANCE CHAGES. Perodc Finance Charges are inposed on all Uarrs9aions from Ute dale Ute transadmrt is posted b your Account anti the date you pay your entire New Balarae, by making payments a recewing credits. Honvever, we will provide Ute foiowing `grace period' Nyou paid the New 8elartce on you pervious biltirg statemett by the Payment Due Date shrnvn on that statement, and you pay fhe New Balerice by the Payment Due Date on Utis atalemeM we tv8 not impose Periodic Finance Charges on crew protheses, that is, purchases fast appexing on this slatemertl. OUtervdse, you vvifi receive a bifiing slaMrrtertt next ntontlt that includes Perial;c Firgrtce Charges on those new purchases. There is no graco period an balaroe transfers a cash edvarrces. Vve sort your transactiais'arb groups d padtases, cash advances, end balance transtPis and then IurUrer sort the Uartsections vvilhin each group by their An«ral Peroentaga Rate. F« example prrrdrases su6jed to a prorralronal rote and purchases subject b standard rate would be separak groups. Werefer b these grasps as UansacUort categ«ies. At Ute end d' each ttafing period, wre comptde Periodic Firerrce Charges for each day of the bUlatg period fa eadt Vansadion category We Use the fotlowirg equatiat to compute Periedic for eadt Uartsac9on catagay. Average Daly Bdance x rwmber of days in the biting pertod x Daly Periodre Rate. (See the inerroe rdtarge sisnmary on your statemem fa these amount J Then the add try the Pedodre Finance Charges ktr each transaction avegory le get the total Periodic Finance Charges for your Arx:otmt. The average Daily Balance is shown as zero U, ftearuse of tbe grace period, ra Pedodic Fnance Charges apply to the balance m a trarrsaciim category. We use Ute Average Daly Balatce {rnchxbrtg new Vansedions) method of rakulatirtg the balance upon which we impose Periodic Fiiance Charges. We compute the Average Daffy Balance fa each Uansection ptegory by wing up all Ute daily balances in a bdlatg period for a UaltsacUon atlegary end divdding the total by the number o(days in the bitting cycle. We compute the daffy 6alarrce for each Uansadrort category on each day by first add'ny the fotlowing to the previous day's daffy balance, Umsactions made that day, fees charged that day and Periodic Fatartca Charges atxxued at that day. H a Vertsactien is posted to yotxAccowtt after the cbse of the baling period in wfiich it occurs, vve wit Treat Ute Vansadim as ttavatg ocaared on the first day al the bitling perod h whkit il'ts posted to yourAaotstt All tees charged ro your Account ere added to the sianderd pucchase transaction ptegory with the excep4on of Cash Advance Transaction Fee Finance Charges which are added to Ute appfrcable cash advance EraneacUon category and Balance Trats/er Trartsadoon Fee Farmtce Charges which are ar&kd ro the app8cabie balance transfer trensadien category. When die speciaE rele expires. rye mare the unpa¢J balance of the balance hanster end fhe Balende Transfer Transadiat Fee Finance Charges ro the standazd purchase transaction category. However, tl Ole spedel rate has bee» terminated under the Default Rete Plan, we leave the unpaid balance d the balance Uanster and Ute Balance Transfer Transaction Fee Finance: Charges in the appkcable tronsarxion category until Ute special rate would bare expaed For TDD (Takcommuniw0one Device fa the Deaf) assistance, call 1-800-347-7449. Diswver may monila andla record telephone calls behveen you and Ciscover representatives fa qudity assurance purposes The Discovers' wrcl is issued by O'rscover Bank, Heather FDIC. G1TBK107 ~+ New Balance Minimum Payment Due Account Number ending in 9139 DI~\r~VER $10,800.09 $213.00 Enter Amount Enclosed Below Payment Due Date June 10, 2008 please make check payable to Discover Card or pay online ~ Discovercard.com. 11 SOSN6A01 0013630 KENNETH GENTRY Text APP to DISCOV• to receive a link to our free mobile app and pay your bill in seconds 22 ASHBURG DR fromany+mhere! NIECHANICSBURG PA 17050-82D3 Po BOX 71084 Illusllr:"rrll"'Illrrlrl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change2 Print change in space ~ulrllnlurlrllruln~rlwlllluJulululluln~nlrlul~ above, or go to Dixover.com. Print your e-mail address to receive important Account information and special offers. OOOOOZ986458932953553108000900000000021300 Discover More Card Account Summary Closing Date: May 11, 2008 page 1 of 1 Account number ending in 9139 Previous Balance $10,784.57 Payment Due Dale June 10, 2008 Payments And Credits - 219.00 Minimum Payment Due $213.00 Purchases + 38.00 Credit limit $11,600.00 Cosh Advances + 0.00 Credit Available $799.00 Balance Transfers + 0.00 Cash Gedit limit $6,000.00 Finance Cher ems + 196.52 Cash Credit Available $799.00 New Balance ~ $10,800.09 Cashback Sonus® Opening Cashback Bonus Balance $ 15.00 New Cashback Bonus This Period + 0.09 Cashback Bonus®Anniversary Month: October Cashback Bonus Balance 15.09 ................ Keep building your rewards with every purchase. Sfart redeeming once you reach $20 Cashback Bonus(R). 7 l . Visk Diuovarcom to pay your bRl for no wst, view our How Can We Help You . latest Account information, cam and redeem rewards and more It's your choice - 3 ways to help 2. Ca11 1.800-DISCOVER (347-2683) For fast, easy selfservlce options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, for TDD {assistance for hearing impaired] see reverse side Sak lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits May 10 May 10 INTERNET PAYMENT -THANK YOU $ -219.00 Travel/Entatainntent May 6 May 6 PTC EZPASS CSC WEB IVR HARRISBURG PA 38.00 Finance Charge Summary Balance Transfer offer For current billing period: Daily Periodic Rota: 0.01616%; corresponding ANNUAL PERCE NTAGE RATE: 5.90%. Rate is subject to the terms of the offer including expiration. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic fee Daily Periodic PERCENTAGE PERCENTAGE FlNAPI(3: FINANCE Babnce~ Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $10872.33 0.06025 21.99% F 21.99% $196.52 $0 Cash Advances $0 0.07121% 25.999'o V 25.99% $0 $0 Tire rates that apply to your Account are effher fixed jF) or they may vary (V) as noted above ~y Important Intormatlon. if rhea is rrlae than arts page b This tiding slaternent,see the bade of each page for additional important atformation. p See youi CardmemLter ilrgeenrent. Yar Cardaretdter Agreerrerttaordeins a8 t~ terms of you Accarnt ~ Lost or stolen cards. Repod bnrrtedreleFyl Cafl 1$08-341=2683. c BOiing Rights Srimmary. h t,abe.of Srors a Oueslions Abdul Your 8r~ gyou fiirdr you bB ®wrorg; a'd you need more irdamaticn about a traruadiort on your bill, vmle b us on a o0 separate sheet of paper at Dover, PO Bar 30121, Sale (.eke City, UT 84130.0421, es soon es possible. yye must hear from you rro later than ti0 days after we sent you the fast biY on which dte emx a problem app~red. You earl telephone us, but dttirrg so wgl tort preserve your GIs. fn yore letter, give us the tolbwirtg infamaUOrt w • Your name and AccotlM ntunba. o • The do8a amount of the suspected ens ~ • Oesabe the arts and e~ain, if you can, why you be8eve Brae is an eaa. g you treed more infomiatihon, descrbe the item you are tarsrae about. You do not have to pay any amauM in quesficn whie we are atves8gafrrrg, but yet are smll abkpeled b pay the parts of yore big that are tort in question. Whge we investigate your queslan, we cannot report you as deMtgtrertl or tetra arty action b cdkd the artrounl you question. Special Ruk for Credit Card Purchases: If you treve a problem with the quakry of goods a services that you ptachased with a aedft card, and you have trkd let good tkih to oared the problem with dte merchant, you rrray txd have b pay the remanag amount due on the goods a services. You have this protection only when the putchrsse price was mote then $50 and the purchase urea rrrade a your home stale awilhb 1IX) miles of year ma$ing address. (tf we awn a operate the merchant, or if we marled you the advertisement for the goads or services, a8 purraYt~es era covered regorcgess of the arnatM a Iaation of purchase.) Payments. Sent oMy you payment and Ste top portion of tMs statement in the enveope provided. Oo not send cash. By send'mg your check es described alwve, you authorize us io use inlonnafion on your dtedc to make an ekcUdMc tact transkr from your account at Bte financial institution indicated on your check or to process the payment as a check transaction. Il payment is processed es en electronic runt transfer, the tmnskrvrilf beta the amount on the check. When we use intama Wn from your check io maf:e an electronic fund transfer, funds may be wilhdram from your account as soon as the seine day we receive you payment, ant you w~i not receive your check back from your financial institution. The processing of you payment may be delayed i(you send cash, mmeapondence a other itgrts with your payment, if you send the payment to any other address or if youuse an envelope otlter than Ste one provided. Payments received in props form at as prot~irM facity by 5PM local lane on any day wdl he aedaed to your Account as of that day. Payments recttived at as processing (acdky eher 5PM toed time wit be aec6led io youAccount as of the next day. If yar Have misplaced your erwelope, send yotu payment b Discover; PO Boa 6103, Caro! Stream, IL ti0197$103. Please a9ow 7-10 deyslor deanery. IF yax payment is resumed unpaid, we reserve the right b resubmit n as an elecUmic debit. You can pay your mirdmtrm payment or a greater amamt over the telephone, and you can set try automatic payments. Call us at t-8110-347-2683. You will need this statement and your hank accofml information. You must ensure that sufficient fords are avaii~le in your. bark emoted, and all Uansactions must comply with U.S. kw. You will he asked fo provide the first 5 d~its of your account statetnenl zip code. By entering Base numbers as your ekdrorac signahae, you wiH be agreeing to this aumodzation b allow us and your bank to deduct each paymeid you augraize hom your bank eaarnt artd to initiak debit a credit entries to yaa bank account, as applicable, b cared an ertor in the processing of such payment You must leg us the amount of each payment, or yea can select en amount such as the Minanum Payment Due a the New Balance on each statement You can cancel a payment, however we must receive notice at least three business days n advance of the sdtaduled,payment. You may nobly us by phone at 1-800-347-2683 or by mail at the address fisted in Me previous ' paragraph, g your payments may vary in amaml, we wdl red you on eadt mondtty stalerrent what your payment wig be mark amt how much it will be. YourAutomeuc payment amount may be less dtan rtidtceted on Bra rranddy statarrtent bred on aedits a payments applied dutag the belting cycle. Credit Reporting. We may report informatbn about yore amount b aedil bureaus. Late payments, missed payrrtents, a other de(aulis on your account may be reflects in your credd report We normally report the status and payment history of yxxrrAomun! to aedit reporting eyencies each month. If you batieve that our report is aumurete a incomplete, please write vs at Ne following address: Discover, PO Box 15316, Wfmington, DE 19850-5316. Please include your name, address, home klephone number andAxount number. PERIODIC FfNANCE CHARGES. Parodic Fatance Charges era irtposed on all transactions from the dale the Uensaction is posted to your Account until the date you pay your entire New Balance, by maktrrg payments a receiving aedits. However, N you paid the New Balance on your previous billing statement by the Payment Due Date ctrawn on that statement, acct you pay the New Balerxta by the paym«d Oue Date an your ctarent billing statement, we will not inpose Periodic Finance Chagas on crew purdreses, but is, purduses fast appearing an the curtest statarruttt We cab des the grace ptxiad. OBtawise, you w81 receive a bd4ng statement next month dot includes Periodic Finance purges on those new purchases. There is no grace periodon baiarrce ttartsfers a cash advances. We sort You transaaiars alb groups of purchases, cash advances, and balance trarskrs and then fudher sort the transactions wahat each group by iheirAnntul Percentar~ Rate. Fa example, puduses subject b a promofionel mk and purchases singed to a starrderd rrde would be separela grails. We refer ro Brew groups as Uansad'an categories. At the end of each btlleg period, we oohtpWe balances and Periodic Finance Charges for eadr day of the bgfatg period for each UattsaAion category. We use the fdla+vatg equatbn to compute Periodic Finance Cturges fa each transactiat ceoegory: Average Daily 8eknce x ntmber o(days in the bdlatg period x DeAy Periodic Rate. (You may refer to the trustee charge strnrrmry on you bigatg slakment tar these amotnts.) Then we add W fire Periorc Pounce Charges foreech transardiat category b get the total Periodic Finance Charges for your Account. The Average Daly Balance is shown as zero if, because of the grace period, rro Perodc Finarrce Charges apply b the batertce in a Irensadiar category. Vre use the Average Daily Balance {ttrJudatg dew Uansaclions) medtod of catculeting the balance upon which we grlpose Periodic Finance Charges. We rnmpule dre Average Daay Balance for each ransacon category b7f adday up erg the daily trkerlces b a 441ng period for a Uansadan category and dividing fire bUd M'the number of days N the biling cycle. Wa compare the daffy balance fa eech.trartsaclion rrategay at each day by first adding the fo8oydng b the freviau day's daily balance: Uansaetaars made that day, tees charged gut day and Periodic Fnaax Charges seemed on the previars days daily balance; avid by then strbtraclitg any aedls and payments drat are applied against Itte balance of the tasnsacion celegray on Ihet day. In cakxdeing Bte defy balance br the fast day d the b~~ng period, we consider the'previous day's balance` b have been you balance for each uansactiart category on the fast day otyota precious Ding period, If a transaction is pooled b yoraAoootud after the cbse of the NBatg petard at which h occurs, we wit treat the transaction as hav- ing ocaned anthe first day o18re bakng period in which rt is pcekd b yourAmaatt. AR tees charged b yoty AeceuM are added m the standard piachese hansection category wi8r the ezcepfron of Cash Advance Transaction fee Farance Charges which are added b the eppticable cash advance irensection category and Balance Transfer Transactiat Fee Fintss~s Charges w4ddr ere added b the applicable balerrce trarrafer ransacion category. When a special balance Irarster rate expaes, we move the tnpaid balance of dre balance varcter and the 8alence iranskr transaction Fee Finance Charges to the slardard purchase Uansadion category. However. if the special race has been termbmted under dre Deteuk Rate Plan, we leave the unpaid balance of the balance lregsfer and the Balance Transfer Trara- adan Fee Finarfce prges in the eppGceble transaction category un91 the spedal tale would have expired. For TDD (TeleeommunicaGons Device tar Uu DeaQ assistance, please call i•804347.7449. D+smver may merits andlor record telephone calls between you acct Discover represantetives fa quality assuance purposes. The Discovers card is issued by Discover Bards, Member FDIC. 0178K170 ~~++ D D~S~r~~Elt• New Baance Minimum Payment Due 510,790.26 5219.00 ~ Account Number ending in 9139 Enter Amount Enclosed Bebw Payment Due Data July 10, 2008 please peke check payable to Discover Cord or pay online G Discovercard.com, 11 SDSN6A01 0013631 KENNETH GENTRY 22 ASHBURG DR Text APP to DISGOV' to receive a Ilnk to our free mobile app and pay your bill In seconds from anywhere) HECHANICSBURG PA 17050-8203 Po Box 71oBat Illrrrllrr~rr~llrrrlllrrlrl CHARLQTTE NC 28272-1084 Addr»ss,e•mailortelephonechonge2Prirttchangeinspace ~ulrllnlu~~rllnrlulrl~ulllliu~n~ulul~nlulnlilnll above, or go to Discover.com. Print your a-rrwi) address to receive important Account information and special offers. OD0001986458932953553107902600DDDDDD0219D0 Discover More Card Account Summary Closing Date: June i 1, 2008 page 1 of 1 Account number ending in 9139 Previous Balance $10,800.09 Paymerrt Due Date Jvly 10, 2008 Payments And Credits 2 i 3.00 Minimum Paymerrt Due $219.00 Purchases + 0.00 Credit limit 511,600.00 Cash Advances + 0.00 Credit Avaitabb 5809.00 Balance Transfers + 0,00 Cash Credit Limit $6,000.00 Finance Charges + 203.17 Cash Credit Available $809.00 New Balance $10,790.26 CcshbaCk BonUSe Opening Cashbaek Bonus Bnlanee $ 15.09 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 15.09 Cashbook Bonus® Anniversary Month: October Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R). How Can We Hel You? p 1. visit Discovsr.cem to pay year bid for r>o ~e=*, view your btest Account information, cam and redeem rewards and more It's your choice - 3 ways to help 2. CaN 1$OQDISCOVER {347.2683) for Fast, easy sel~sarvice Please have your Discover Card available. options or to speak with o Customer Service Ac<ovnt Manager Far TDD {assistance for hearing impaired) see reverse side 3. Write us at Discover Cord, PO Box 30943, Sak Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. 7 s. P ~ ~ Payments and Credits Jun 9 Jun 9 INTERNET PAYMENT -THANK YOU $ -213.00 Finance Charge Summary Balance Transfer offer for currant billing period: Daily Periodic Rate: 0.010689'0; corresponding ANNUAL PERCENTAGE RATE: 3,90%. Rate is subject to the terms of the offer including expiration. Average Daily Nominal Transaction ANNUAL ANNUAL Periodic Fee Balances Rae~odic P~EltTCESNTAGE ~~EiJTAGE CH~CE RNANCE RGES CHARGES currenF billing period: 31 days Purchases $10877.64 0.06025% 21.99% F 21.99% $203.17 $0 Cash Advances $0 0.07121% 25.99% V 25.99% $0 $0 The rotes shot apply to your Account are either fixed (F) or they may vary (V) as noted above. Important Irdomration. H these is crate than one page to this b~rrg statement, see the back d each page for eddRioiai important erformation. ~ v Sce yea CardmernberAgreemerR. You CardmemberAgreerrtent cordaitts althe terms of yesAccatrnt. Lost or stolen cards. Report nsntedtatey! Ca81.8Da341.2683. o Billing Rights Sutnnrary. In Case a Erors a Questions About Your Btl(: H you think your biU is wrrxg; a R you need more itlarrotion about a transadion on your bit, write to us on a o separate aheetof paper al D~cover, PO Box 30421, Sak Lake City, UT 84130-042t, as som as possible. We must hear from yrw no later tlran 60 Sys after we sent you the firot bdl an 0 wfiich the error a probem atNreared.You can telephone us, but dokg so wll rtes preserve pwr r(gfrls. In you letter, give us the klbwing infamafiorr: • You name and Account number. • The doggy amowrt of the suspected error ~ • Desa!be the ens and explain. H yar can, why you beleve there is an error. I! you need mesa irlamation, describe the Rem you are ursure aboa. You do Trot have to pay any amount in gttesUon whle we are invesUgaUtg,bayou are sbl obUgaled m pay Ure parts d your biU tltal are not n gtastrort. While we investigate your question, we cannot repot you as deWtgrtenl or take any action to coHed the amount you question. Special Rule fa Credit Card Purchas¢s: N yuu have a problem vrith the quaky of goods a servrces that you pachased with a credit card, ant you have fled tit good faith to cottect the problem with the merchant you may rat leave to pay Ute remeirting amaud due on Hse goods a services. You Crave th5 paecUort ony when the purchase price was more then $50 and the pudnse was made in yotR home srole a wid,n 1 W miles of your mding address. (H we own or operate the rrrachax, ord we maned you the advertisement (a the goods a services, all pueteases are covered regardless of the amount a ioca5ar of purchase.) Payments. Send Qtly you payment and the top portion a Cris s~tement n the envelope provided. Do tat send cash. By sendrg your check as described above, you autlarize us to use information on your check to make an electronic fund trarrsler Irom your accoua al the firondai itrstitaion indicated an your ehedc ar to process the payment as a check transaction. If payment is processed as an electronic fund transfer, the Irensfa will ~ for the amount an the check. When we use infamalion from your check to nuke an electronic fund transfer, funds may be withdrawn kom your accamt as soon as Ure same day we receive your payment and you vr41 not receive your check back Iran your fmancial nstiWtion. The processing of you payneem may be delayed R you send cash, correspondence a other Rems with you payment, if you send the paymem to any other address a if you use en envelope abet than the one prav!ded. Payments received in props farm al oa processitg fadlRy by 5PM local tune on any day wtll be aed'Red to ytxsAceount as of If!at day. Payments received al our processing faci4ry altar 5PM focal time wtll be aedikd to yourAccoua ro of the nex! day. tf you have misplaced your emrelope, send your paymedt Id Discover, PO Box 6103, Carol Stream. IL60197-6103. Please a8ow 7-10 days for del Nery. H your payment is retuned unpaid, we reserve the right b resubmit it as an elecutxdc debit. You can pay your mnknum payment a a greater amount ova the telephone, and you can set up atttomalic payments. Call us at 1-800-347-2683. You wilt need This statement and your bank account information. You must ensure that sultka'ent bards are ava:faWe in yore bank account; and all transacfians muss comply wRh U.S. law. You will be asked to provide Ute fus! 5 digits of you account statement zip code. By entering mole numbers as your electronic signature, you will be agreeing b ties authorizatron to eUOw us and your bank W deduct each payment you auUemze from y^ur bank account, and to indiale debit a credk entries b your bank aarount as applicable, a correct an enor m me processng of such payment You must tell us the amowrt of each payment, or you can sated an amoua such as the Mnnatm Payment Due a the Nety Balance On each statement You can cancel a payment tawever we must receive ratice at least three business days in advance N the scheduled payment You may notly us by plane at 1-600-347-2683 ar by rrbd at Ure address Crsted m the previous paragraph. H you payrnen~ troy vary n amount we wiU ten you an each moNfiy statement when yrar payment wiU be made and how much k will be. You Aubmatic payrrrent amount may be kss gran indcated on the mouthy siaternent based on aedRs or payments applied during the fnikng cycle. Credit Reporting. We may repod informabort atxwt your aarount b aedit bureaus. Late paymens, missed payrranls, a Omer defaups on your aocatnt maybe reflected in your credR repot. We normally report the status and payment h~tory of your Account to aedit reporting agencies each monm. If you believe that our report La naccuate or incomplete, please write us a1 me foflowirg address: Discover, PO Box 153}6, N4hninglon, DE 10850.53.6. Please include your name, address, home telephone cumber and Accotrnl number. PERIODIC FINANCE CHARGES. Periodic Finance Charges are imposed on aA irartsaclions from the date the vansadion is posted to your Account anvil the date you pay pour entire New Balatece, by making payments or receiving credits. However,d yov paid the New B~ance on your previous burg statement by the Payment Due Dale shown on that stalemea, and you pay the New Balance by the Payment Oue Date on your current billing statement, we wrll not impose Paioda Fsrartce Charges on new padeases, that is, pachases fast appearing on Ifte ascent statement. We caH this the grace period. Otherwise, yotrwi receive a trllirg statement next month that neludes Periodic France Charges on those crew purchases. There ~ ra grace Pe1'nd on balance Uans{as a cash advarces. We sod you Transactions nto groups of pudmses, rash advances, and balance trens[ers and then further sort Bee transactiau within each group b'! their Annul Percentage Rale. Fa exampta, purrdeeses sarjed to a promotional rate and prvdrases srRrjed to a standard rate.vroad be separate grotpn. We refer to these groups es trarreadion categories. At Ute erd of each bAting pared, rve compae balaraes acrd PeiiorRc France Charges for each ley of the bRerg period tar each tet>sacfart al<egory. We use the fd{owng equation to oompue Periodic Fkrance Charges for each trartsadion category. Average Daly Balance x number of days m the b!~rg pared x Daly Periotkc Rate. (You may refs to the fmarae charge surramry on your txl9rrg statementfor These artautts.} Then we add tq the Periodic Furarroe (xrarges la each transediott category to get the told Ptviodic Finance Charges for you AccormL TheAverage Daly Batarrce is shown as zero N, because o(Ute grace period, m Periodic Fsrance Charges appy to Ute balance n a treresacUon category. We use the Average Deity Balance (includinn new Iransadions) melhat of cak;trlataeg the batarxe rgon wtridr we impose Periodic Finance Charges. We compute the Average Daily Balance far each transaction category by adding up ak the daly balances n a bilkng period far a traresaclion category and dividng the rota by the number of days n the biting cycle. +h'e compute Use daffy balarce for eadt Irerrsatdiar category on etch day Dy fret arkfing the fdkrwirg b Ua preuiats day's daily balance. transactiats made that day, tees charged Urat day end Periodic Finance Charges aan!ed on Rte previous days dally balance; and by tlren serbUactirg any credi6 and payrneas Ihet are applied against the balance a the tansaction cetagary at Utai ley In cdctriatirrg the defy balance fa the tast ley M Ute bifiing period, we txxrsider the previous day's befence'ro tmve been your halarce for each transaction cetogay on the lest day a your previous bltirg period. H a transaction rs posted to you Atxxxmt abet the close of the bRkng period n Wilde R occurs,we wtiN treat the transaction as hrw- ing ocaxred on Uee first ~y d the baling period n which R'ts posted to yourArxotsd. All tees charged td yntr Aaornt ore added to Ste starxlard purchase Iraes~tion category with the exception a CeshAdvaeee Trenaadion Fee Finance Chagas which ore added to me applicable cash advance transaction category and Balance Transfer Traresacbon Fee Fetatrces Charges which are added m the appkraWe balance tran~er transaction category. When a aperaal balatrca transfer rate expires, we move me unpaid balance a the bdaroe Uartsier and ttre Balance Transfer Transaction Fee Finance Chagas b the staMaM purchase tansacfion calegay. However, H the special rate has beers lamnated tmrkY the Detardl Rate Plan, we leave fro unpaid baleruz of Uee balance Uattsfer and the Balance Transfer Trans- aaion Fee Firorrce Chagas in the applicable Transaction category runt the special rate would have exp'red. ForTOD (Tetecommunicafiona Device forthe DeaQ assisttuxe, please cell 1500-347-7449. Discover may monitor ardla record telephare calls between you and Discover representatives to quality assurance purposes. The Discovers' card is issued Try Discover Bank, Member FDIC. O1TBK170 DISCOVER' s~; 05> zb tt BDSNBAUt00t3632 KENNETH GENTRY 22 ASHBURG DR MECHANICSBURG PA 17050-8203 Minimum Payment Due Account Number endirtig in 9139 $218.00 Enter Amount Enclosed Bebw Payment Due Dale $ ~~ August l0, 2008 please make check payable to Discover Cord or pay online ~ Discovereard.eom. Text APP to DISCOV' to receive a link to our free mobile app and pay your bill in seconds from anywhere) Po sox 71084 Illnrllrtrssrllrr~lllrrl~l CHARLOTTE NC 28272-1084 Address,a-mail or telephonechange$Printchangeinspace I~rlil~rr~rrrlr~lrrrlrrlilrrr~lllirr~rrlrr~rrllrrlrrlrilr~rrll above, or go to Discover.com. Print your email address to receive important Account information and special offers. D00001986458932953553110512600000000021800 Discover More Card Account Summary Closing Date: July i 1, 2008 page 1 of 2 Account number ending in 9139 Previoua Balance $10,790.26 Payment Due Date August 10, 2008 Payments And Credits - 219.00 Minimum Payment Due $218.00 Purchases + 279.24 Credit Limit $12,800.00 Cash Advances + 0.00 CredkAvailable $1,748.00 BalancaTransfers + 0.00 Cash Credit Umit $6,600.00 Finance Cho + 200.76 Cash Credit Available $1,748.00 New Balance = 11,051.26 Cashback Bonus® Opening Cashback Bonus Balance $ 15.09 New Cashback Bonus This Period + 0.69 Cashback Bonus Bdance $ 15.78 Cashback Bonvs® Anniversary Month: October Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(Rl. .? How Can We Help You . 1. Visit Discovercom to pay your bill for no cost, view ur latest Account information, earn and redeem rewardioand more It's your choice - 3 ways to help 2. Call 1-800-0ISCOVER (347-26B3M for fast, easy selFservice options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD {assistance For hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits Jvl i 0 Jul 10 INTERNET PAYMENT -THANK YOU $ -219.00 Restouronts Jun 15 Jun 15 BLACK ANGUS STEAKH ORLANDO FL 89.46 Jun 16 Jun 1 b KOBE JAPANESE STEAK ORLANDO FL 48.38 Gasoline tun 18 tun 18 0042160 CHEVRON 0042 ORLANDO F1 43.2} Travel/Enlaetainment tun 18 Jun 18 SEA WORLD-FOOD SVC ORLANDO FL 76.90 Jun 18 Jun 18 SEA WORLD•MRCHDSE ORLANDO FL 21.29 Important Information. If Thee is more then one page b tlds biNmg stalerrrent, see Ote beck d eedt page to add~ional impodant infodnation. ~ l7 See your Cardmember Agrooment. Your Cardmemher Agreement contekts ai the terms of yax ACCOUm. ~ m lost a stolen cards. Report kttmedetety! Ca11~80a347,2683. c Bidkg RigMe Sumtnmy.In Case of Erma a QuesliondAlatatR Yau BiU: H you Drink your fiat is wrong, a if you creed mere itdomwtion ahoU a IrertsacUen on your [tit, write to us on e g separate street of papa M Disca/er, PO Box 30424, Safi take City, UT 84130.Od24, as goon as possbb. We rttrrst hear irant you rro later tltan fi0 days after we sent you rite tirst bi! on whkh arts errs a problem eppeaed. You can telephone us, but doing so tail not preserve your rights. m you IetMr, give us the (dktwing infamatbn: ~ • Your name ardM,cotad nrsnber. rv • The doh am0urd of Uu suspected errs ~ • Describe the arts and eaq~, a ynrr can, why you bekeve Iheres an ermr. d you need more nfomufion, describe the item you are wsae aheut Yau do not have b pay arry amoutt in question w4tie wre are irvestigating, but ycu ere stiN obligated b pay the parts of your bit that are not in question. Whie we irtvestigete your quesUort we cannel repel you as dekngtrerrt a trite arty action b rx7Ngot the amaad you question. Speelal Rule for Credal Card Purchases: If you have a problem wih the qu~tydgoods a services That you padused wih a uedit card, and you have Uied n good faith to ocrrect the praWem wih the merchant, you may rtd have to pay the fenukring amormt due on the goods a services. You have Uus pratectien only when the padtese price was more than $50 and the purdtase was made it yotx home state awithh 3~ rroles of your maitim,} address. (If we own a operate the merchant, a'rf we mated you the advertisement fa the goods a services, aU purchases are covered regardless of the amount w location of ptxchase.) Payments. Send only yrnx payment and rice top portion ~ fhb statement in the envebpe provided. Do rot send cash. By caring your shark as desrxibed above, }rou authorize us to use information on your attack ro make an electronic hxrd transfer Uom your acmrau at the futtytcial inslitulion ;ndicated on yvnx check or b prasss the payment as a dteck Uaruaclion. If payment is processed as an electrorricc fund transfer, the transfer wtii be for the amount on the check. iMten we use information from your check ro make an elecronic hxtd transfer, funds rosy be withdrawn fran your account as soon as Ute carne day we receive your payment, and yorr will not receive your check back from your faunrial itstiuUon. The processktg of your payment rtuy be delayed i you send cash, correspondence or odtar kerns with your payment i yvu send the payment b any dher address a if you use an envelope odter dun di8 one provided. Payments received in props brm el our prooessetg fadity by 5PM local tens on erry day vnX be aerbled b yovAocourl as of tltat day. Payments received ai our processatg faciHy efts SPM oral time wit be credited to yoaAccouM as d the cud day. U yaultave msplaced yata ertvekape, send your paymeri ro Diswver, PO Box G 103, Carol Stream. IL 60t91-6103. Please dbw 7-10 days 1a delivery. h yea payment is returned unpaid, we reserve the right b resubmit d as an electronic debit Yau can pay your minimum payment a a greater amotatt over ttte lelepitone, and you can set up automatic payments. Ceti us at 1-800.347-26t33. You wiE need this statement and your bank account information. Yau must arses that suffident fords are avaiable in you bank account and ai Uansactions must comply with U.S. law. You vaN be asked b provide the test 5 digits of you accoad statement zip code. By entering those numbers as your electronic signatae, you wifl ba agreeing to Utis auNorization to stow us and your bank to deduct each payment you autwrize fmm you bards atxxmnt and to trotters debit or credit entries to your bank acrount as applicable, to cerrect en ertor in rite processing of such payment You must tell us the amount of each payment a you can select an amount such as the f/nrimurn Payment Due a the New Balance on each statement Yau can cancel a payment hmvever we . must receive notice at Least three bt>sness days n advance of the scheduled paynunt You may notity us by phone at 1b00347-26113 a by mail al the atdress listed in Ore ptttvaeus pareyraph. g your paymems may vary n arrwuM, we wit teU you on each monthly sWlement when your payment wiU be made and how much it vat he. Your Automatic payment amount maybe Tess dun itdicared on tfu ntontliy daternent based on credits a payments applred duirtg the f>iUing cycle. Credit Reportng. WB may report itformetion about your account to aedi Gueaus. late payments, missed payments, or dherdefatib on your account may be reflected n yea aed'R repot We normady repot du status and payment fi5tory d Yaur Account to credit reposing agerrraes each ntorih. if you believe Ihal our capon is inaccurate or ncomplete, please vttite us at the following address: Discover, PO Box 15316. Wilmington. DE 198505316. Please include your name, address, home telephone number and Accouri number. PERIODIC FINANCE CHARGES. Periodic Finance Charges are imposed on atl transactions from the dale theUSnsaction is posted toyaaykmunf until the date you pay your entire New Balance, by making paymems err receiving credits. However, if you pad the New Boleros on you previous halting satement by the Payment Due ()ate stwwn on that statement, and you pay Uu New Balance by Ou Payrnaq Due Date on your axrent billing statement we wit cwt intfwse Periodic Fnartce Charges on new purchases, drat is, paduses fast appearing on the curtenl statement. We caN this the grace period. Otherwise, you wit receive a biting steternenf next month that ktdudes Periodic Finance Charges on those new purdutxs. There ~ no grace period on balance Uansfers a cash advances. We sort your transactiau into groups d pacltases, cash advances, and bdartce bansfers and Uten furdter sort Ute transactions within each group by tfteir Annual Percentage Rate. Fa example, paehases subject ro a prantational rate and purchases subject to a stardard rate wood be separate groups. We refs to dress groups as Uansagion categories. At theerd d each laSirtg parted, we compute balertixs erd Periodic Frtartce Chagas kx eadt day of the b~mg period fa each Uansaction category. We use rite toirnaing equeUat b mrnpute Periodic Fsrtance Charges fa eadr trartsacdon category. Average Defy Baknce x mxnber d days n the ~irtg period x Daily Paiodc 17ate. (You may refs b d» tirurxe charge summary an your bang stelerrtenl fa tltese acttourtrs.) Then we add up the Periodic Pounce Charges fa each transac6wt category ro get Ore brat Periodic Fnemce Charges for your Account. TheAverege Daffy Balances shovm as zero'd, because d the grece period, rw Periodic Finance Charges apply b the balance in a transedrort category We tse the Average Daffy 881ertce (ksiudirtg new transeGiats) mettrod d cak:uleting the Nance upon which we'anpose Periodic Finance Cttargas. We ,artgwle the Average Daily. Balerrce for each lrensaUan category by adding up aU the daffy bannoas in a b~irg parted for a Uansaction category and di~ddng the total by the number of day; n the biting cyce. We oortpute the daily batartce fa each trartsactiert rstegtxy on eadt day by irstadding Ure Idktvring b the prevbrs days daffy balance: transarxiats made Thal day, fees charged tlul day and Periodic F'vtance Charges accrued on Ote Ixevious days daily)ulance; and by tlten sulaUactirtg arty aeries and paymerns Orel are applted against the balance d the transaruiort category on that day In pkulating Uu daffy balance fa the first day of the bRting period, we rxxsider tha'Ixevious days balara:e' b have bear you tularrce tar eadr trorsaction category on iha last day of your previous biting period. If a trensactiat is posted b your Aooormt after Ote dose of the tailing period n which i omxs, we wit treat rite frertsecAion as hav- n0 ocarted on the fast day of the biting period in which it is posted b you Aocaratt. Ap fees cfurged to yroa Acsatrnt are added b the standard purefuse transadwn category with the excepian of Gash Adoance Trensacficn fee Finartrs Charges wFuch are added b the applicable cash advance Uartsacdon category and Balance Trertsfer Trarsedion Pea Finances Cftmges rAich era added b the appticeble balance transfer Uanseaierr category. When a special balartce transfer rate expires, we move rite unpaid balance d the balance irasfar and the Balance Transfer 3ransaction f ee Firurtce Charges ro the standard pruchase UansacVat category. However, if the spadd rate has been femtinated under Uu Defardl Rate Wen, vre leave the unpaid balance of the balance trensfer and the Balance Transfer Trans- acdon Fee Finertce Cfurges in the aPPl~b Uanst>cUon category urtti the special rete wouM have expired. Far TDD (Telewmmurticairons Device forthe Deaf] assistance, please caA 1$00.3474449. Dacaver may maritar andbr record teephone calls between you and Discover representatives for quality assurance purposes. The Discovers cad is issued by Discover Bank, Member FDtC. 01TBK170 DISCOVER Itiwysto KENNETH GENTRY pISC Account number ending in 9139 Announcing Pending Transactions! You asked, we listened. Cardmentbers mn now Yield pending transactions online! Check your purchases in realtime to stay connected to your account like never before either online or using your mobile device. In t0 )IOUf aCCOUt1t at Oiscover.com From your laptop or your mobile device and see For yourselF! KJZOt 2 Discover Bank, Member EUIC Closing Date: July ~ 1, 20Q8 page 2 of 2 Finance Charge Summary .Balance Transfer offer for current billing period: Daily Periodic Rote: 0.01068%; corcesponding ANNUAL PERCE NTAGE RATE: 3.909'x. Rate is subject to the terms of the offer including expimtion. Nominal Transaction Average Doily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FWANCE ffNANCE lances Rates RATES RATES CFWRGES C~ S current billing period: 30 days Purchases $11 107.75 0.060253x 21.99% F 21.999x $200.76 $0 Cash Advances $0 0.07121 % 25.999e V 25.99% $0 $0 The rates chat apply to your Account are either fixed (F) or they may vary M as noted above. QUeStIOnS? Manage your account at Discover.com or call 1-800•D15COVER r 1-800-347-2b83~. ~- _~ - ~ -:ter- - - Naw Balance Minimum Payment Due Account Number ending in 9139 DiSC~VER Sl l,oa1.13 $223.00 Enter Amount Encbsed Below Payment Due Date $ ~-+~ September 10, 2008 please make check payable to Discover Card or pay online ~ Discovereard.com. 1t SDSNfiA010013633 KENNETH GENTRY TextAPPtoDISCOV'torecehrealinktoour free mottle app and pay your bill in seconds 22 ASHBURG DR frarrr anywhere! MECHANICSBURG PA 17050-8203 PO BOX 71084 Illrrrllsrnrr l~rrslllrrlrl CHARLOTTE NC 28272-1084 Address, email or telephone change4 Print change in space lit~i~~rilttr~rllirt~rrlrlrrrllllrrrlrr~rr~rr~l ri~irlrr~ lr ll above, or go to Dixover.com. Print your email address to r r receive imporlartt Account information and special offers. DD0001986458932953553110411 500000000022300 Discover More Cord Account Summary Closing Date: August 11, 2006 page 1 of 1 Account number ending in 9139 Previous Balance $1 1,051.26 Payment Due Date September 10, 2008 Payments And Credits 218.00 Minimum Payment Due $223.00 Purchases + 0.00 Credit Limit $12,800.00 Cash Advances + 0.00 Credit Available $1,758.00 Balance Transfers + 0.00 Cosh Credit Limit $6,600.00 Finance Charges + 207.89 Cash Credit Available $1,758.00 New Balance - $11,041.15 Cashback Sonus® Opening Cashb«k Bonus Balance $ 15.78 New Cashback Bonus This Period + 0.00 Cdshliack Bonus® Anniversary Month: October Cashback Sonus Balance 15.78 Keep building your rewards with every purchase. Start redeeming once you re«h $20 Cashback Bonus(Rl. How Can We Hel YOU? 1 • Visit Discavercam to pay your b~ for na east, view your {~ latest Account information, cam and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for Fast, easy selFservice options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Sah Lake City, UT 84 i 30 Transactions $0 Fraud liability Guarantee Use your Dixover Card with confidence. Trans. Post Data Dato Payments and Cted~?s Aug 9 Aug 9 INTERNET PAYMENT -THANK YOU $ -218,00 Finance Charge Summary Baance Transfer offer For current billing period: Daily Periodic Rate: 0.00795%; corcasponding ANNUAL PERCENTAGE RATE: 2.90%, Rate is subject to the terms of the offer including expiration. Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE Pf3tCENTAGE PtNANCfe FRrAtJCE Balances Rates _ RATES RATES C ES it S current billing period: 31 days Purchases $1 1130.61 0.06025% 21.99% F 21.99% $207.89 $0 Cash Advances $0 0.07121% 25.99% V 25.99% $0 $0 The rates that apply to your Account pre either fixed (F) or they may vary (V) as noted above - _ -:_ --=_ Zr Important Infama0ort. if tlrnie is trrore th8n aria page b this 9 statement. see Itte badt of each page for edcfdwrlat inrpatant kdarma8on. ce See your Cardmember Agreemenk Vour Cerdmemher Agreement wntahs ep the terms of yavAccoum. Lost a stolen cards. Report ennrediatt:ly! CaO 1800-347-2883. o BilOng Rights Summary. In Case of Errore ar QuesibnsAbout Yaur Bitl: If you tlwrk yax biN is wrap, a if you need more inbmreUan about a tranaac6ar on ywr bit, write to us on a o separate street d paper ~ Discover, PO Boz 30421, Salt Lake City, UT 84130.0421, as soar as pty~ble. We must hear hen yet rro labr than 80 days after the sent you Ore first hdl an 0 which the error a prot4em epp~red. You can telephone us, but tk>Krg so wip rid preserve yourrighta. In your letter, give us hha folkxving inotmation: • Your name andAccaunt number. • the dapar antaxrl of the suspected errs ~ • Describe ore error and explan, if you wn, why you bekeve there is an errs. M you need more rrforma8on, describe the item you are uroure about. You do trot have ro pay arty amount in question whie we era irrvesligating, but you are skN obkgaMd b pay the paAs of your b8 that ere not in grxssfion 4Vhie we Uwest~ate your question, rote carxrol report you as defktqueni a take erry action to co4eel the errant you ques9on. Special Ruk for Credtl Card Purchases: it you have a problem with the tµtadry of goods or services that you purchased witlr a credit card, and you haua tried in good faith b correct the problorn witlr the rrratdrant, you may not have b pay rite remeink+g amotsrt due on the goods a services. You have this protection only when the ptachase price was more then $5D ant the purchase was made in your twme state awihkr f00 coffee of you maitirg address. (f we arm a operab the merchant, or d we maned you Ore adverUsemeM for the goads a services, all puchases are oovaed regardess of the amount a Ioc80on of ptsdrase.) Payments. Send arty you paymem and the top portion of 4t~ statement in the envelope provided. Do not send cash. By sendsy your dredr as described above, you authorize us to use inlamaUOrr on your check to make an electronb fund transfer from you acootnt al the fnancia{ insfitutiorr inticaled on yaw check or to process the payment as a check transaction. N payment 5 processed as an elersrorric fund Uatufer, the transfer vnp be for the amount on the dredt. When we use information fiotn your ctreck to make an electronic fund Uanster, funds may be wilhdratvn from your account es soon as the same day we recewe your payment, and you wit not receive yotx check back from your fnancia inSiiluiron. Tire processng of ycarr payment may be delayed i you send cash, correspondence a aha Rams with your payment, a yw send the payment b any corer address a if you use en errrelope other than the one prot~ed. Payments received in proper Farr: at our processuy fadliry by 5PA4 local time on arty day wtll be wedded to you Accoutt as of that day Paymerds received at ou processing lacipiy after 5PfA krcai 6rrre will be wedded to yourAooourd as of the next day. if you Irene m'splaced you envelope, send your payniettl tri as-cbder,'PO Biri( 6103, Card Stream, N-60191-6103, Please allow 7-SO days for dekvery O your payment is ratumed unpaid, we resere the right to resi~rtrh it 8s an elecUnic debit You can pay you mnrnum paymerx a a greater errrount aver me telephone, and you can set up aubmatic payments. Coil us at 1-800.347.2683. You will need this statement and your bank account st(amation. Vou must ensure Drat sutfident funds are aveiable in your bards account, ant ap Uansactiorrs rrarst corrrply with U.S. law. You vdp be asked b provide the fist 5 digits d your account statement zp coda. 8y entering those numbers as you electronic signatue, you will be agreeing to this authorization to allow us and your bank to deduct each payment you aufhouze from you bards aCCemnt, and to'vritiate debit or credit entries to yaw frank account, as applcable, b correct an error in the processing of such payitmrd, Yrnr must tell us the amount of each payment, w you can sekict an anwunt strch as the Mirrimun Payment Dtte a the New Balance on each statornent You pn cancel a payment, however we must receive nonce ai least three txrsktess days io advance of the scheduled payment. You may trotily us by pitons at 1800.347.2663 a by mad at the address I~ted kr the previous paragraph, if your payments may vary N emoted, we writ fell you on each momhly statement when you payment wit be made and how rtwch it wip be. YourAutomakc payment amount may be lass than indiceled on Ote monlNy statement based on aedits a payments applied during the biting cycle, Credit Repotting. We may report information about ynu accaunh b aedA bueaus. Late payments, rrdssed payments, a oO~r defardts m your account may be reOected m your aedd repon. Yde namalty tepon the status and payment history of your Acwunt to aedir reporting agendas each nronUr. If you believe That our repot is ittaccurele or incomplete, please write us zt Ute following address: Discorer. PO Box 15316,'N~knirylon. DF }9850-5316. Please include your name, address, hone telephone number and Axounl number PERIODIC FBiANCE CHARGES. Periodic Firtartce Chan3es are imposed on af! Uarrsactions hen the date the Uansadiar is posted to your Accountunt8 ore date you pay your enure Now Balance, by making payments or receivkrg aedis. However, d you paid tfre New Balance on your previous bilmg statement by the Payment Due Date shover an that statement, and you pay the New Balance by the Payrnen! Due Date on you aUrenl bdliry statement, we wit trot impose Periodic Finance Charges ar new purchases, that is, puchases Arst appearing on Ore currem statemenk We wp this Ore grece pertod. 90torwisa, you trip receive a piping statemad next month that utdtrdes Periodic Fnance Charges on dtose rtew ptxchases. There is rro grace period on beler>ce transfers a cash advarroes. We sort yore irarrsadiorts into grar4rs of purchases, cash advances, and balance irarrsfors and then further sort the transactions within each group by OreirAatvel Percentage Rate. For exempla, pumhases arrbjed to a promotiaral rate and purcrases subject to a standard rate want be separate groups. We rebr b these groups as trensecliorr ca~garies. At the end of each biting period, we carptrk balances end Periodic Pittance Charges far each day of the d~ period br each transacton category. tNe tree the fogawkrg etpation !o compute Periodic Firmnce Charges br eadr lrertsediar category: Average Deily Balance x number M days in the bilpng period x Daly Periodic Rate. (You may refer to the 6nancecharge stamrery m you bikrrg siaternarA for these ariouMsJ Ttrenwe add uP the Peript4c Finance Cterges for each bensacton rategay to gattfie 1ot~ Peixtdic Finance Charges la your Acoowtt. The Average Gaily Balance rs shown as zero if, because of the grace period, no Periods Finance (~rargas app? to Ore baierroe m a tratrsadiorr category. We use the Average Daily t3alence (irxhrding new trarrsaclions) ma8lad of cala4atiry the balance upon wtdch we knpose Periodic Foranrce Chargos. We compude iheAverege Daily Balance fa each hansacUar category by addiry up all the daffy balances in a 7xAiry period kx a Uerrsaction category and dividing the total by the number of days st the bilhy cycle. We compute the daffy txalance for each trarrsatxion category an eadr day by first adding the tdbning b the prevrous day's dairy balance: u~adions made Ihaf day, fees drarged That d'ay and Periodic Falatrce Charges acertred on the previou day's daily balance; and by then arrbtracUng airy aedOs erd payments Orat are appked against the balance d the transactiar category at Ihet day In calarletiry tfre daily baiatrce bYlhe fast day of the bikry period, we catsider Ore `pevious dalds balance" ro have bean yax• balance hx eadr Uansac9on category on Ora last dayof you previous b8fng period K e Irensecliorr rs posted to you Account after the cbse of the dMng period in which 8 oxtas, vre will treat the transaction as hav- ing scarred on the first day of the billy peria! in which it is posted ro ycrrr Account. All fees charged b yourAooount are added b fire standard purchase tansacton category wish ore excepfien of Cash Advance Tremadgn Fee Finance Charges which are added to the applicable cash advance UarrSBGtion category and Balance Transfer Transac8on Fee Finerrces Charges whidr ate added b the applcable baGrrte transfer transaction category. When a specal balente Uarrsier rate expires, we move Ore repaid balance of the balarrca Uatrsfer and the Balance Transbr'fransacbon Fora FUtarrce Charges b the stardard puchase UarrsacUon category. However if the spedal rate (~ been ternwraled order ore Defatdt Rate Plan, we leave the unpaid bzlente of Ora balance trerrs(er artd the Balance Transfer Trens- adiar Fee finance Charges in the appicaNe transaction category anti the special rate vrotdd have expired. For TDD (Tefecommunicadons Devlee for the Oval) assistance, please tali t E9O.347.7449. Discover may rnanilaaaUa record telephone ca0s between you and Discover representatives brqueiiry assrxarce purposes. The D'tsooveP` card is issued byDiscover Benk, Nrember FDIC. OtTBN170 `Cr New Balance Minimum Payment Due Account Number ending in 9139 DIJ~r~VER 512,255.04 $241.00 Enter Amount Enclosed Below Payment Due Date Ocrobsr 10, 2008 p~~ make check payoble to Discover Card or pay online ~ Dlscovercard.com. it SDSN6A01 X13834 KENNETH GENTRY 22 ASHBUR6 DR MECHANICSBURG PA 17050-8203 Text APP to DISCOV' to reCenre a link to our free mobile app and pay your btll in seconds from arryrrhere! PO BOX 71084 ~E~'"~~"""{~"'~~~"~' CHARLOTTE NC 28272-1084 Address,o-mailorrolephonechangeitPrlntchangeinspace ~rr~r~~re~rrr~r~~rir~rr~i~rrf~~~~rrr~rr~rr~rr~~rr~rr~rr~i~rr~~ above, or go to Diseover.com. Print your email address to receive important Account information and special offers. ti3000a1986458932953553]r225504~D0aU0C40t3241~0 Discover More Card Accoun# Summary Closing Date: Septanber 11, 2008 page 1 of 2 Account number ending in 9139 Previous Balonce $1 1,041.15 Poyment Due Date October 10, 2008 Payments And Crodits 500.00 Minimum PoymeM Due $241.00 Purchases + 1,496.93 Credit Limit $12,800.00 Cash Advances + 0.00 Credit Available $544.00 Balance Transfers + 0,00 Cosh Credit Limit $6,600.00 Finance Charges + 216.96 Cash Credit Available $5d4.00 New Balance = 512,255.04 Cashback 8anus® Opening Cashback Bonus Balance $ 15.78 New Cashback Bonus This Period + 7.10 Cashb«k Bonus Balance $ 22.88 Cashback Bonus®Since Anniversary Month October: $10.43 CONGRATULATIONSI Your Cashback 8onuslRl is waiting For you. Visit piscover.com or call 1-800-DISCOVER (1-800.347.26831 to redeem. How Can We Help You? 1 • Visit w«ati..~em ro pay your bit kr no cost, view ur latest Account information, earn and redeem rewardsoand more ~t'S your choice - 3 ways to help 2• Call 1-800-DISCOVER (347-2683) For fast, easy selFservice options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Solt Lake City, UT 84130 Transactions $0 Fraud liability Guarantee Use your Discover Card wllh confidence. D s~ PO ~ ats D e at Payments and Cwdds Sep 9 Sep 9 INTERNET PAYMENT -THANK YOU $ X00.00 Merchandise/Retail Aug 16 Aug 16 BAKERS FREEHOl00126029 FREEHCdD W 30.00 Avg 17 Aug l7 STEVE MADDEN #46 FREEHOULD N1 98.97 Trowel/Enkrtamment Aug 19 Aug 19 PTC EZ PASS AUTO RE HARRISBURG PA 35.00 Sep 4 Sep 4 CARNIVAL CRUISE 856923 MIAMI FL 750.00 Sep 4 Sep 4 CARNIVAI CRUISE 856922 MIAMI FL 500.00 Supermarkets Aug 20 Aug 20 GIANT FOOD #252 HARRISBURG PA 45.92 000113 Aug 20 Aug 20 VVEGMANS #45 MECHANICSBURGPA 37.04 --.~ _. _ - --- - ----rr- Important Mformatiott. H there is more than one page to this>zling statement, see Ste back of each page to addil'tona! krgwrtant mionnatbn. ~ v See your Carehnember Agreement. Your Cardmentber Agreement contests all the terms of yea Access. Z rn Lost or stden cards. Report amudiatelyl Cal 1.800.347-2683. o Billing Rights Summary. In Cese d Errors a QUestiara About Yota Bifl: a you dtirdr ytxa bill is wrong, w A pu need rose mfamaYOn about a trmnectien on yar bit, vmte b us on a o separate street d paper at DLsesrer, PO Box 30421, Sall Lake City, UT 84130.0421, es soon as posside. We must twat from you no titer tltar 60 days a5er vra sent you the first bia on 0 which the aror or prabfem appured. You can telephone us, brrt dttirg so wiA not preserve yaa rights. bt your teller, give us the tollowag irdamatiat' w • Your name aril Acwad number. a • The dear amamt of the suspected ertw ~ • Desaibe the ertw and explain, a you can, why you beNeve dine is an arts. It you need more infama6on, descdbe the item you ae unseve cttoa. You do not have to pay any amont in question while we are irrvesligatirrg, but you are s6T abkgated b pay the parts of your bit that are rot ar gtreslron. Wfale we investigate your question, we cannot report you as tietirigtrwtt w take any action to collect the antouni you question. Special Rule for Credit Card Purchases: li you have a prablatt tvitttthe quality of goods or services that you purchased with a weefit card, and you have Died b goo! taidr to oared the problertt wrilh Ate merchant, you may na curve to pay the remaining amount due on the goals w services. You have the praedion ally when the purchase price was mote tltan $50 amt the pacheae wvrs made in yea home s~ a tvkhin 1~ mites of yanmaiing address. (If we awn a operate the merdrarrt, a d we madW you the advertisearentfalhe goals or services, all purchases are covered rrtgardess of the artttwa a location of purchase.} Payments. Sand only your paymern and the top portion of Avis statement m the envelope provided. Do rot st:ml cash. By sending yaa check as desabed above, you aulhaize us to use atformafiorr on your check ro make an electronic hxd transfer from your account at the financial institution indicated on your check w to process the payment as a check transaction. If payment is processed as an elecronic fund transfer, the hansfer wit be fa the amount at the chade. When we use information from your check to make an electronic fund transfer, funds maybe wahdrawn from put account as soon as the same day we receive yea payment, and you wJl not rerzive your check back from your financal institution. The processing d your payrnsnt maybe tfelayed'A yew send cash, conespadence a other items with your payment, if you send the payment to any oars address a if you use an envelope abet than Ne over praridad. Payments rer~ved in proper form al our processing tarakry by 6PM krcal Ume on any day wig be cretkted to your Account as d Atatday. Payments received at our procassirrg lacilxy seer 5PM local time wit be aedded to yotaAanuiu as d ate next day. #t you trove misplaced your envekrpe, send put payn~nt to Discover, PO box 6103, Carol Stream, IL 60197-6103. Please albw 7-10 days for delivery If your payrrrcrrt .~ returned urpaid, we reserve the right to resubmit it es an electronic debit You can pay your minimum payment or a greater amourt over the telephone, end pu can setup automa4c payments. Cell us at 1 X00-347-2683. You titib treed INs statement and your bank account information. You must ensure that wfficrent funds era available in your bank accotmt, and atl transactions must cromply wah U.S. law. You wi(be asked b provide the first 5 digits of your account statement zip code. By entering (hose menbers as you electronic signature, yai wid be agreeing to Utis authorization le slow us and yore bank b deduct each payment you authorize from put bank account, aril to initiate debit or credit entries W your bank amount, as apptcable, to cared an error in the processing d such payment. You must tell us the amoart of each payment, or yrou can select an amount such as the Minanum Payment Due w the New 8alaraz on each statement. You can cancel a payment, however we must receive notice al least Nree business days in advam;e d the schedtied paymea. You may natty us by phtane at 1$OQ-347-2653 w by mail et the adckess listed M the previous paragraph. If your payments may vary M amotxi, we wi teN yrw on each monNdy staferrrnt when your paytneM will be made and Itow parch iE wit be. tow Automatic payment arrount may be tens elan indicated on are rnonthfy statement based at ae6ts a payments appked during the t>iang cycle. CredA Reporting. We may report information atxwt put ecceunt b ae~t bureaus. Late payments, missed paymerds, w ether defaults on your aomtrnt may be reflected in your credit report. We normaay rapes the status and paymea tristory of yoaAoceua to credit reporvng agerxaes each month. 'f pu believe that our report is inaccurate a incanplefe, please write us at the following address: Discover. PO Box 15336, yrriminglon. DE 198505316. P?aase include your name, address, home telephone number and Account number PERIODIC FINANCE CHARGES. Periodic Finance Charges ere imposed on all transactions from the dale the vensadion is posted to your Account troll the date pu pay your entire New Balance, d)' maldrg peymenLS w receiving aedis. However, if you paid the New Balance on pw previous biting statement by the Payment Oue Dale shown on that statement, arrd you pay Ne New 88larroe by the Payment Due Date at your curterrl bi5rrg statement, are will nil impose Periodic Finance Charges on new purchases, 1haY le, parehaSEa tifS1 appearing on the current statement. We raN Aril the grace period. Oaterrvise, you wr4 receive a biging statement rrext month that includes Perio~c Finance Charges on arose new purchases. There is no grace pedal on balance tansfers or cash advances. Wa sat you transactions into groups of lxaclrases, cash advances, and balance transfers and then forever sort the transad'gns wittin earn gragr b7' theirAmual Percentage Rate. for example, purhases subject m a promoAori~ rate amt purchases subject to a sandard rate vrouM be separate groups. We refer to These grotQs es transactiar categories. At the end of each biting pedod, we txxrrpde balerrces and Periodic Farerroe Charges for each day of are filling period for each transaction categoy. We tree the foltawkrg equation b mEnpute Periodic Fxrerwe Charges fa each Irarsactiort category: Average Daly Baterae x mmtber d days ar the bdring parted x Deily Periodic Rete. (You prey refer to th 8nartce charge stanmary an you bipirg statement fa these amounts.) Then we add up the Periodic Finance Charges fa each hartsadart category to get are total Periodic Finance Charges to your Accowtt TheArcerage Daay Balance is slmwn as zero it, because t><Ihe grace period, no Periodic Finance Chorges appry to the ba>artce ar a Uansadion rafegay. We rue Are Average Daily 9alance !including ncyv vansacaons) meamd of cakxiatmg the balarue upon which we impose Periodic Finance Ciwrges. We compute the Average Deily fSalarrce br each transaction ~alagury by srldiilg up eq the lady balances in a biiHng period to a transaction category and rfviding the toW by ate rwmt>er of days n the biM'xrg cyde_ We canpute Are daily balance Inv aadt vansacoort category on each day by frst addng the toiowing to the previous day s daily barorrce: transadiau made drat day, fees ctv+rged that day and Periodic Fatartce Charges aocnred on the previous days daily balance; and by Arwt subfraclmg any aedis and payments that are epptied against the balance d the vensadion cetegay an that day In cdaMAng Are daily balance fa Ate first day of the bi6rg pmiod, we rxlrsider the'prev;ous day's l>alaitce to have been your balance for each irarrsaction cetegory on the lest day of yen previous bilarg period, a e transaction is posted to yam Account after the cbse d the billing padod in which tl oasis, we wia !real the trensadan es hrav~ trig aoaared on the last day of the bBarg period M which i! is posted b your Aaeunt. NI tees dmrged to you Account are added ro the standard purchase IrensacAon category vnth the exception of Cash Advance Trensadion Fee finance Chagas w4rirtr are added to the applcable cash advance transaction category and Balance Transfer Traruectiort Fee Finances Charges which are added b the applicable baance transfer transaction category. When a specal balance Uensfer rate expires. we trove the unpaid balance of the balance transfer and the Balance Transfer Transaction Fae Finance Charges b the standard puchase trarrsadion cefegay However, a the spacial rote Tres bear 6ermireled factor Ara De(aull Rale Plan, we leave the unpaid balance of Ne balance Irertsler and the Balance Transfer Trance action Fee Finance Charges h the applicable Irensaction gtegory until Ne special rate would have expired. Fa 7DD (Tekcommunicaaom Devke Forthe DeaQassLMence, please call!-Sga347-7449. Dscover may narritor artNor record telephone qis between yar and Discover representatives fa quafiry assurance purposes. The Discover° card is issued by Discover Bank, Member FDIC. _ O1TBK170 it pays to KENNETH GENTRY DISCOVER- i ~jsC . Account number ending in 9139 Announcing Pending Tronsactions! You asked, we listened. Cardmembers can now view pending trnnsacfions online • Check your purchases in realtime to stay conr+ected to you account _ "_"=' " "' --' like never before either online ar using your mobile device. log In t0 your oCCOUnt of Discover.com from your laptop or ~ ' your mobile device and see for yourself! „~~ ~,~ (<J2022 Oieoorer Bank, Member t'flIC Closing Date: September 1 ], 2008 pn8e 2 of 2 Finance Charge Summary Balance Transfer offer for current billing period: Daily Periodic Rate: 0.00795%; corresponding ANNUAL PERCENTAGE RATE: 2.90%. Rate is subject to the terms of the offer including expiration. Nominal Transaction Average gaily ANNUAL ANNUAL Periodic Fee Daily Periodic AERCENTAGE PERCENTAGE FUJAAlCE FWAfliCE Balances Rates RATES RATES CHARGES CNARGES current billing period: 31 days ', Purchases $11615.58 0.06025% 21.99% F 21.99% X216.96 ~0 Cash Advances $0 0.07121% 25.99% V 25.99% $0 $0 The rates that opply to your Account are either fixed (FJ or they may vary {V~ as noted above. QU@StiOflS? Manage your account at Discover,com or cat! ] -800-DISCOVER { 1-800-347-2683). New Balance D'SCOVER Minimum Payment Due Account Number ending in 9139 d l l 512,237.21 5241.00 ose Be ow Enter Amount Enc Payment Due Dote November 10, 2008 please make check payable to Dixover Card or pay online ~ Discovercard.eom. 11 SDSN6A01 0013835 KENNETH GENTRY Text APP to DISCOV• to receive a link to our free mobile app and pay your bbl in secwnds 22 ASHBURG DR from anywherel MECHANICSBURG PA 17050-8203 Pa BOX 71084 Illurlluun lfurlll~:lrl CHARLOTTE NC 28272-1084 Address,a-mail ortslephoneehange$Printehangeinspaee lulilluln~lrllu~lul+l~eil~llnrl~t~u~i~ll u~i~l~i~~lnll above, or go ro Discover.com. Print your e-mail address ro receive important Account information and special offers. OOOOQy986458932953553122372 100241000024100 Discover More Card Account Summary Closing Date: October 1 ], 2008 page 1 of 1 Account number ending in 9139 Previous Balance $12,255.04 .Payment Due Date November 10, 2008 Payments And Credits - 241.00 Minimum Payment Due $241.00 Purchases + 0.00 800.00 Credit Limit $12 Cash Advances + 0.00 , .Credit Available $562.00 Balance Transfers + 0.00 .Cash Credit limit $6,600.00 Finance Charass + 223.17 Cash Credit Available $562.00 New Balance = $12,237.21 Cashback Bonus® Opening Cashback Bonus Balance $ 22.88 New Cashback Bonus This Period + 0.00 Cashback Bonus®Sinee Anniversary Month October: $10.43 Cashback Bonus Balance $ 22.88 CONGRATULATIONS{ Your Cashback Bonus(R) is waifing for you. Visit Dixover.com or call 1-500-DISCOVER {1•B04.347-2683) to redeem. How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available. for TDD (assistance For hearing impaired) see reverse side 1. visit Discovsrcom ro pay your bN for no cost, view your latest Account information, cam and redeem rewards and more 2. CaEI ] •800-DISCOVER (347.2683) for fast, easy self-service options or to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, Sah Lake City, UT 84130 Transactions $0 fraud Liability Guarantee Use your Discover Card with confidence. Tans. Post Dab Dais Payments and Credits Oct 10 Oct 10 PAYMENT -THANK YOU $ -241.00 Information For You '.Balance Transfer offers} far currant biM:rg period: .Daily Periodic Rote: 0.02737%; corresponding ANNUAL PERCENTAGE RATE: 9.999'0. Finance Charge Summary Nominal Transaction Average gaily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE f~IANCE FMJANCE ces Rates RATES RATES CFlARGES CHARGES current billing period: 30 days Purchases $12346.63 0.06025% 21.99% V 21.99% $223.17 $0 Cash Advances $0 0.07121 % 25.99% V 25.99% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V} as noted above ----r ~ Important Information. !f thane is rrtore than one page b This bAerg statement, sea Me badt of each page fa addikohel important intomtation. p See your CardmemberAgreemenL Yow CardmemberAgreementcontains etlthe terrrrs o1 your ACOOUnt. rn Lost or stolen cads. Repot knmedialerylCall t-600.347-26ti3_ o BiNing Rights Summary. In Cale of Errors a Questrons About Your 60: If you Lank you biN is vwag, a if you need rrrae iMama6m about a Vansedion an your Ml,write to tis on a o0 separate sheet of paper at Disrover, PO Boz 30424, Sale lake Cky, UT 84130.0421, as soon as possible. We must hear horn you no later than 60 days after we sent you the fvs! bAl on ~ wtidt the error a problem appeared. You can telephone us, ixA dokrg so wiN rat preserve your rights. In yon letter, gwe us the toYovutg information: ~ • You name and Aaamt ne>mban. • Tho ddbr amount of the suspected errs ~ • Describe the erta and explain, if you can, why you believe Ctere is an error, k rpu need more information, destxibe the leant you are umYae about You do rat have b pay arty! amount in question w4rde we are awestigeting, but you are still otrRgated to pay the parts of ytxa bd! that are not in gtresfan. While we kweslgate you queslian, we camel report you as delinquanu a take any action to cdlect the amount you question. Special Rule for Credit Card Purchases: If you have a problem with the quakry of goods or services that you ptzchased with a cretin card, aril yore trove Tried in good faNh to correct the problem with the meroAenl. you rrWy rat hove b pay the remairkg amount due on Me goods a services. You have stirs protection only when the ptxchase price was snore Than $50 and Me purchase was made in your home state orwiUtin 100 miles of your mailing address. jk we own a operate lire merchant, or C we mailed you the adverdsan>ent fa the goods or services, atl purchases are covered regardless ct Me amount or location d ptacha5e.} Paymartts. Sand only your payment and the top paNOn of This statement in the enveope provided. Ao rid send cash. By sending you check as described above, you authorize us to use infomtiatiar on your check to make an electronic Wnd Varrsfan fmm your account at the firgncial institution indicated on yar check or to process the payment as a chock Vansadion. If payment is processed as an elec[ronic hrrd transfer, the transfer vnG be for the amount an the check. When we use information kom your check to make an electronic fund Transfer, {ands may be withdrawn horn your account as soon as the same day we receive you payment, and you tvA1 not receive your check back from your fmandvnl InstiWUon. The processing of you payment rrmy ha delayed if you send cash, correspondence or other ittuns w,lh your payment, it you send the payment to any oMan address a if you use art ' envelope oCrer than the mte provided. Payments received in proper form at our processirg Fadity by SPtd local Cme on arty day tviY be credited to your Account as of Ihet day Payments received ai our processing facifdy after 5PM local lime will be credited to yourAtxauM as of the rtexl day. !f you have misplaced your envekyre. send yow poytrtetri to Discover, PO Box 6103, Corot SUeam, ft.60197-6103. Please albw 7-10 days fa delivery. If ycur payment is returned unpaid, we reserve tla reght to resubmit it as an elecUaric debit Yau can pay your miramum paynrenl or a greater amount over the telephone, aril you can set tip automatic payments. Call us at 1.800-347-2083. You will need this statement and your bank accaint incarnation. You must ensue that suffipenl funds are availahle in your bank account, and all Vansadans must comply w8h U.S. taw. You will be asked b provide the firs! 5 dgits of your account statement zip code. By entering Moses numbers as your electronic signakae, you wiN be agreeing (o this aultarization to ~Irnv us and your bank M deduct each payneent you authorize from ycwr bank acwunL and to irdtiate debit or credit entries to your bank amount as applicable, b correct an error in Ilse processing o(such payment. Yau must Idl us the atwunl d each paymenl,.a you can select an amount suds as the Minimum f aymenl Due or the New Balanrz on eadr slaGement You can carael a paymeru, however we must receive rakce at least ttuee business days in advance of the scheduled payment. You may notify us by ptarte al t E0 0-3 4 7-26133 or by mail at the address listed in the previous paragraph. If your payments may vary er amount, we xtiN Isll you on each monCay statement when your paymern veil! be made and Iww much k wig be. Your Automatic payment amount may be less Man indicated on the monMly statement based an credits a payments appNed during the bilkng cyde. Credi! Reporting. We may report infom>ation about you account b credit bureaus. Wte payments, massed payments, a oMan defauks on your account may be reflected in you credit report We normally report the status and payment history of you Acmtrni to aed'a reporting agendas each month. It you believe That our repot rs inaccurate a incomplete, please write . us at the folkewing address: Discover, PO Boz 15316. Wilmington, DE 198505316. Please indude your name, addrzss, home to ephone number and Aaoum number. PERIODIC FINANCE CHARGES. Periodic Finance Charges are imposed on ail Uareadions from the dale the tretreadgn is posted to your Account until the date you pay your entire New Balance, by making payments a receiving credits. However, if you pa+d the New Balance on your previous tolling statement by the Payment Due Date shown on that statement, and you pay the New Balance by the Payment Oue Gate on your artem bilking statement, we vriN not impose Periodic Fk>atae Cturges on now purchases, tfrat is, purchases fast appearing on the cusera statement. We cab Cos the greoe period. Otherwise, you wid receNe a bi0ing statement next month Mat incWdes Periodic Finance Charges on tlwse new purchases. These is rro grace period on balance Irenafers a cash advances. We sort you Varuediorts info groups of purdtases, rash advances, and balance lrensfans and lhen funkier sort the transactions within each group by tt~ei Annual Percentage Rate. For example, puchases subject b a promotional rate and purchases subject to a standard rate would be separate groups. We refer to these groups as uansatdion calegaias. At the end of each niang period. we oonpute balances end Periodic Fnance Charges kit eadt day of the t>ilkng period to each UarrsatCion category. We trse the idbwing equation to mmpute Periodic Femora Charges to each hansec6orr category; Average Des'/ Balance x raanber of days er the bdlerg period x Deiy Periodic Rate. (You may refer to the fnance dtarge strrtvnary on you bimrrg atakment fa these amounts.) Then we add up U>e Periodic Finance Charges fa each Vansadan category to get the toWt Pefrodic Fintmce Charges for your Accotatl. The Average Daily BAIanCe is shown aS Hero i(, because d the grace period, ra Periodic Finance Charges appry to the balance kr a irensadion category. We use Cre Average Daily Balance !including new Uansaclionsl rnelhod of tatculating the balance upon which we impose Periodic Pittance Charges. We canptde the Average Daily Balance far each hanseddion category by adding up aN the daffy balances n a billing period (a a iransacldn gtegory and dividing Sae tafal by the number ofdays-in Me billing cycle. We compute Me daay balance for each transaction category on each day by fast adr4ng Me togowctg to the preuiws day's daily balance: Irareactiars made Mat day fees charged that day and Parodic Finance Ch~ges atxmeetf on the previous day's dally balance; and bV then subUac4ng any credits artd payments It>at are appNed agansl ins balance of the Irertsaction cetegay on that day. In calarlekng Me daily balance tar the first day of the lattirg period, we catsider C>e -pevous day's balance" fo have been your balance br each Iransttction category on the last day of your previous btlNng period. If a Vansection is posted to your Acvourtt esker Ure dose d the bdNng pared n which it occurs. we wg treat the Vansadim as hav- ing txxvned an Me Ural day of the billing pedod'm vlrtich a is pasted to your Account. A.ll lees charged to your Accotmi are added to Cre stant~d purchase trar>section category with Cre exception of Cash Advance Tansadion Fee Finance Charyes which are added W the appNceble t~ah advance Uansaotion category and Balance Transfer Transaction Fag Finsinees Charges which are added to Me appkcable balance transfer transaction category. When a special balance trerrsfer rate expkes, we nave the urpaid balance of the balance transfer and Me Balance Trarekr Transaction Fee Finance Charges fo the standard purchase transaction category However, J the spedd rate Has been ferrtnnated under Me Default Race Plan, we leave the unpaid balance d Ute balarce transfer end the Balance Transfer Trans- action Fee Finance Charges in the applicable transadan category unlB Me special rate wotdd have expired. For TOD (Tdacommunicadons Device for the DeaQ assistance, please call 1-800.347-7449, Discover may monitor ardyor retard telephone calls between you and Discover representatives fa quality assuance purposes. The Discover" card is issued by Discover Bank, Member FDIC. OtTBK170 D1SCC~VER New Balance $12,215.96 11 SOSN6A01 0013636 KENNETH GENTRY 22 ASHBURG DR MECHANICSBURG PA 17050-8203 Minimum Payment Due Account Number ending in 9139 5240.00 Enter Amount Enclosed Below Payment Due Date $ ~~ December ]0, 2008 please make check payable to Discover Card or pay online ~ Discovereard.eom. Text APP to DISCOV` to receive a link to our tree mobile app and pay your bit! in seconds from anywhere) PO BOX 71084 Illr,rllnnnllnrlllnlrl CHARLOTTE NC 28272-1084 Address, e•rttail or telephone change2 Print change in space ~rt~il~tr~rrr~r~~rrrlrtlrlurl~)~ttt~te~trlrr~~rrlrr~trlr~rt~~ above, or go to Discover.can. Print your email address to receive important Account information and special offers. OOOOD1986458932953553Z22159601]OD0000024000 Discover More Card Account Summary Closing Dote: November 11, 2008 page 1 of 1 Account number ending in 9139 Previous Balance $12,237.21 Payment Due Date December 10, 2008 Payments And Credits - 24 i .00 Minimum Payment Due $240.00 Purchases + 0.00 Credit Limit $12,800.00 Cash Advances + 0,00 Credit Available $584.00 Balance Transfers + 0.00 Cash Credit Limit $6,600.00 Finance Charges + 214.75 Cash Credit Available $584.00 _ New Balance = $12,215.96 Cashback Bonus® Opening Cashb«k Bonus Balance $ 22,$8 New Cashback Bonus This Period + 0.00 Redeemed This Period 20.00 C6shbi9ck Bonus® Anniversary Cashbadc Bonus Balance $ 2,88 Month: October Keep building your rewards with every purchase. Start redeeming once you re«h $20 Cashback Bonus(R). How Can We Help You? 1 • Visit Discever.eem to pay your bbl for no Best view your latest Account information, earn and redeem rewcrcds and more It's our choice - 3 wa s to help 2• Call 1-800•DISCOVER (347.2683) for fast, easy self-service y y Pleose have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD (assistance for hearing impaired) see reverse side 3. Write us at Discover Card, PO Box 30943, Salt lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Dale Date Payments and Credits Nov 10 Nov 10 INTERNET PAYMENT • THANK YOU s -221.00 Award and Rebate Credits Nov 7 Nov 7 REWARD REDEMPTION CREDIT -20.00 Information For You Balance Transfer offer(s) for current baling period: Daily Periodic Rate: 0,02737%; corresponding ANNUAL PERCENTAGE RATE: 9.99%. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FINANCE Balances Rates RATES RATES S~iARGES CHARGES current bilEing period: 31 days Purchases $12325.87 0.05751 % 20.9990 V 20.99% $219.75 $0 Cash Advances $0 0.06847°/ 24.99% V 24.99% $0 $0 The rates )hat apply to your Account are either Fixed {F( or they may vary {V) as noted above ImpoAant Informatioh. g there ro mare Utanorre papa ro this 9 statement, see the back of each page to addAmriel imponaM ktbrmation. v See your Cardmemher Agreement. Your CardrtemherApreement contains aN the taints of yoruAccourtt. Lost a stolen cards. Repon irmtrxkekly! Ca11.800.347,2683. o Billitg Rigltte Summary. In Case nt Errors a QtteetsnaAbout Your 8iN Kyou Urnk yow b~ is wrong, orrf you need more intimation atiaA a tansadion on your 6iN, write b us on a g separate sheet of paper et Discover, PO Box 30421, Sett Lake City, tff 64130.0421, as sore as posable. We must hear from you ne later gum 60 days after we sent you the first bNl on which the. error a prabkm appeared. You can telephone us, but doing so wiN nU preserve your rights. m your krga, give us Ste foNovrirtg infarmaton: w • Your name andAccarM rttanber. m • ThedoNararrtountof tf+esuspeded error ~ • Oesaibe Nte anon aril explain, if you can, why you believe there is en error. If you need mac information, desaibe the item you are unsure about. You do not have to pay arty amount in question while we are investgatatg, but you arc sNN obNgated b pay the parts of you bQl Utat are not in question: WltNe we investigate your gtreslion, we cemot report you ss deNngttenl a take any ecNm m caNecl fie arrwtstt You ques(ron. Special Rule for Credit Card purchases: If you have a problem with the quality olgtwds a services Utat you ptrrohased witlt a rxedit card, end you have cried in good faith m caret the problem with the merchant, you may not have ro pay gte remainag rtmottM due an the goods a services. You have this RrotecUon only what gm ptrdtase price was mac titan S50 and the purchase was rttada in your home state a within f00 males of your ntrtifag address. (tl we own ar opiak the merchant, a rf we maNed you the advertisement fi the goods a services, aN purohases are coreted regerdess of gte amount a ktcetsn of purchase.) Payments. Send only yatrpeyrrtent and the roP pition of gtis statement in the envektpe provided. Do not send cash. By sendrtg your check as described above, you autlbdze us to use information an you check to make en electronic hard transfer from your account at the fsimtcial ststifution intkcated on your Utedc or to process the payment as a check Uansection. It payment is processed as an electronic fund Uansfer, the transfer wiA be fa the amount on the td~. Wlten we use information from yrour check to make an electronic fund transfer, `ands may be withdrawn hom your account as soon as the same day we receve your payment, and you wiq not receive your dteck back from your financial institution. The processing of your payment may be decayed N you send cash, caresponderrce mother items with your payment, dyou send the payment to any dher address or if you use en envelope other gran the one provided. PaylrtenLs received in proper form at our prorx3ssing fecilNy by 5Ph1 local time nn arty day will be txe6ted myourAcoount as of that day. Payments received tH stir pracesshtg fac~5ty alter 5Pk1 bcal line wiN be' aeilNed to yourAocouM as of tfte next day tl you have misplaced your envelope, sand your payment to Dnscovei; PO Buz 6103, Caol Stream. IL50197-6103. Please slaw 7-10 days fa dntirery. 8 your payment ks retained unpaid, we reserve the right m resubrrat it as an etactronrc debit You can pay yore msirnwtt paym+erit or a greater anroatt aver the telephone, aril you can set uP aubtnatic payments. CaN us at 1.800.347.2683. You wilt need This statement and your bank account atrormetion. You must ensure that sutfident ftntds are avaNable in your bank accrnint, and all Uansactions must comply wdh U.S. law. You wit be asked b provide the fvst 5 d'gits of your account statement zip code. By entering gross nttmlters es your efecUOns signature, you wig be agreeing to this authorization m aNow us and your bank to deduct each gayntent yet autkrotize 4rom pour bastle account, and So istitiale debit or credit entries W yaw bank account, as apptscahte; m Darted an error in the processing of such payment Yau must 1e11 us Ute amount of each payment, oryou can select an amatM strtJt as the Mirartaart Payment Due a the New Balance on each statement You can cancel a payment, havever we must receive notice at least Uxee fxsvtess days in advance o1 the schetluled payment. You may nosy us byphone at i-800.347.2683 or by maN at the address Nsted in the previous paragraph. tl your payments may very in amotrM, wE will teN yar on each monthly stammeud when your payment vwll be made and how rrsx:h it vAN be. YourAummetic payment amount Wray be less Utah in~cated on the moMhy staterttenl based on credits a payments applied during the billing cycle. Credit Reporting. We may report information aboix yow atcarot a txeda bureaus. Late payments, missed payments, a other defaults on your account may be reUected in your credit report We normatly report he status and payment history of yourAccnura to aedt reporUrg agenries each month. if you believe that our report is inaccurele or incamplele, please write us at the following address' Discover, POBox 15316. Wilmington. DE 196505316. Reese inaude your name, address, homelelephone number and Account number. PEWODIC FfNANCE CHARGES. Periods Fatartce Charges are ingiostd on all Uansadsns from the date the transaction rs polled m your Account until iha date you pay your entire New Balance, by making payments or recei+eng credits. However, it you pas the New Balance on your previous billing statement try the Payment Due Date shown on that statement, and you pay the h'ew Balance 61' the Payment Due Date on your aareM bNNng sfaterttent, we wNl not attRose Periodic Fazartce Charges on new purchases, that is, purchases fall appearing on the cunent statement. We caN This the grace. period. Otherwise, you wNl receive a ttNNng statement next month that ineNrdes Periodic Finance Charges on Uase new purchases. There is rro grace period on balance Uartsiers a cash advances. We sori your Uansactiats arm groups of purchases, cash advances, aril balance trensters and glen further sort Iha transactions wiUtat each grouR by (heir Annual Percentage Rate. Fa example, purchases subject m a promolionei rate affil putdteaes subject m a smrt~rd rate would be separate groups. We refer m tFrese groups as Uarrsadsrt categories. At (he end of eadt ~9 period, we compute balances and Pers~e Fnance Charges fa each day of gte Ming period for earn Uarrsaotion category. VVeuse the foBowirtp equation to tartptxe Parade finance Charges for each iransecti0tr category: Average OaNy Balance x mtmberof days in tfte burg period x Deity Peaodro Rate. (You may refer m the finance charge summary on your txpng statement to grass amounts.) Thenwe add up the Petiodtc Finance gtatges for each transaUtott category logelthe total Pedodic Finattoa Charges to yasr Accixtt. The Average DaNy Basrtce is ahaan es zero if, because of Ute grace period, no Periodic Fatartae Charges aPWY ro the balance in a rrmtsadion category. We use the Average Daly Baterroe (irtdudtng new transactions) megtod of calatlatatg ifte balance t4tat which we impale Periodic Finegce Charges. We compute the Average Daffy Balance for each rransactiar category try adding up eN.tlte daffy balances in a btltirg period for a transaction category and dividing Ute mtal by the ntrttttter oFdays in Nte biitg cycle. We compum the daily balance for each transacgon category on each day bl fast addirg gte foNaving m gte previous day's daily bdance: transactions made gtat day, fees charged that day and Peratds Finerroe Charges scatted on the previous days ~Ny balance; and by men suhUacting arty aedNs amt payments that ere eppNed ageitst the barottoe of the transaction category on drat ley. In caladeUng gte daily balance fa the first day of the ixRag period, we consider Ute'previous day's balance to have been your balance fa each transaction category on the last day of your previous ixlling pared. g a transaction is posted to you Account alter the csse el ifte fa~irg pared in vAtslt $ occurs, we will Ueat the transaction as hav- ing aaxsred Mthe first day of the Ming period at which it is posted m yuurAccotett. AN fees charged m yourAccixtt are added ro the titarWard purchase bartsedan catttgorywith the exception M CeshAtivance Trensadion Fee Finance Charges which are added m the applicable ceslt edvartce trattsadsrt category and Balance TrartsferTransactiarFae Finances Gtarges which are added m the appisabm balance Uansfer ttansadiit category. When a ~ecial balance transfer tale expires, we move the unpaid balance of the balance transfer end the Balance Transfer kerraction Fee Finance Charges m the stardaM puchase tansaction category However, if the special tale has been Ierrtarreted order U+e Default Rate Platt, we leave the unpaid balance of the bafanoe transfer and the 8afarwe TransferTrans- atUion Fee Finance (~targes in the epplicabb trartsac6ott categoy untN the spacial rate wild stave expired. For TDD (Tetecommcmlcagons Device fa the Deaf) assistance, please call 1-Bg0.347dd49 Discover may monitor andla record telephone cats behveen you and Discover representatives fa qualNy assurance purposes. The Discovery wrd is issued b'9 D-tscaver Bards, Member FDIC. 01TBK570 fC//+'~ Cp~ New Balance Minimum Payment Due Account Number ending in 9139 D~J\r~VER 512,223.70 S241.00 Enter Amount Enclosed Below Payment Due Date January 10, 2009 pease make check payable to Discover Card or pay online ~ Discovercard.com. 11 SDSN6A01 0013637 Text APP to DISCOV' to receive a link to our KENNETH GENTRY free mobile app end pay your bill In seconds 22 ASHBUR6 DR tromanywherel t4ECHANICSBURG PA 17050-8203 PO Box 71084 Illrrrllrrrrsrllrrrlllrrlrl CHARt.4TTE NC 28272-1084 Address, trmail or telephone ehanga$ Print change in space Irrlrllulurlrllnrln~rlurllllnrlulnlnllnlululrlnl~ above, or go ro Discover.cam. Print your a-mail address to receive important Account information and special offers. df3~00198645893295355312223700024~004024b00 Discover More Card Account Summary Closing Date: December 11, 2008 page 1 of i Account number ending in 9139 Previous Balance $12,215.96 Payment Due Date January 10, 2009 Payments And Credits - 240.00 Minimum Payment Due $241.00 Purchases + 35.00 Credit limit $12,800.00 Cash Advances + 0.00 Credit Available $576.00 Balance Transfers + 0.00 Cash Credit limit $6,600.00 Finance Charges + 212.74 Cash Credit Available $576.00 New Balance $12,223.70 Cashback Bonus® Cashback Bonus® Anniversary Month: October Keep building your rewards with every purchase. Scarf redeeming once you reach $20 Cashback Bonus{R). Opening Cashback Bonus Balance $ O~ New Cashback Bonus This Period Cashback Bonus Bdance $ 2.96 1. Visit Discovx.com ro pay your bill for no cost, viewyo ur How Can We Help You? krtest 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 wffh a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Cord, PO Box 30943, For TDD {assistance For hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Dabs Payments and Crodits Dec 10 Dec 10 PAYMENT -THANK YOU $ -240.00 Travel/Ensertai:rrnent Nov 18 Nov 18 PTC EZ PASS AUTO RE HARRISBURG PA 35.00 Information For You Balance Transhr offerls) for crarerrf baling period: Daily Periodic Rate: 0.02737%; corresponding ANNUAL PERCENTAGE RATE: 9.99%. Finance Charge Summary Nominal Transaction ~e a y ANNUAL ANNUAL periodic fee Daily P is i PERCENTAGE PERCENTAGE FNVAhKE fWANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $12330.56 0.05751% 20.99% V 20.99% $212.74 $0 Cash Advances $0 0.06847% 24.9996 V 24,99% $0 $0 The rates that apply to your Account are either fixed lF) or they may vary lV) as noted above :~ __ - - ~ ~ zr- -- Important Information. IIlhere is more Than one page ro this b'Rrg slatemeM, cee the txsdt d each page for addi6ottal important intormalbn. to 0 See your CardmemberAgreement Your Car~namberAgreemars contains all the tanns d yarrAocount. z Lost or stolen cards. Report trrxnedialely! CaA 7-800.347-26133. o Biging Rights Summary. In Case of Erma or OnestiansAbout Your Bit: !f you Runk your bS is wrong, a ityou nod more nfamation about a transadion on your biq, write ro us on a o separate sheet of paper at Discover, PO Box 30421, Salt take City, UT 8413P042i, as soon as possible. Wa must hear Rom you ra later than 60 days atterwe sent you the first bit on 0 wfuch the error or probem appeared, You can GetepMiie us, but doing so wif tat preserve yea rights. In your letter, give i% Rte fofiovnrg infomtetion: ~ • You name and Account number. ~ • The dollar atiwunt of th suspected ertar • Describe Rte erta and ex in, if u can, wh pia yo y you believe there is en error H you need mac information, describe the iem you are reeure about, ~ You do rat have to pay any anaunt in question while we are irtvestigatiig, but you are sell obkgoted to pay the parts of your ~I that are not in question. While we investigate your queston, we canter repot you as ddirpuent a take arty acfion to rntlect the amamt you question. Spocial Rule for Credit Card Purchases: g yai have a problem wiRt the quakry d goods a seivirns that you purchased with a credd card and you have Had in good faith to sorted the problem with the marches. you may iet have ro pay the remaitkrg amount due m the goods ar services, You hove this protetiion otdy when the prachose price was more than 350 and the purth~e was made kr your home state orwiMm 100 mien of your mating address. (tl we own or opaale the merchant, or if we maikrrl you the advertisement to the goods or services, aR pachases are covered regardMss of the anwtatt a kxation of purchase.) Payments. Serd only your payment and the top pollen of (tire statement kr the envelope provided. Da rat sail cash. By sending you clack as described above, you awhouze us to use infomta6on on your check to make an electronic fund terisfer trap year account at the firuvraat atstilution indicated on your check or to process the payment as a check transaction. If payment is processed as an electronic fund transfer, the Irensfec wsl be for the amount on the check. When we use infortnatbn hom your check to make an electrordc fund transfer, funds may be withdrawn from your account as soon as the same day we receive you payment amt you will rill receive your check back from your financial institution. The processing of you payment may be delayed i you send cash, correspondence or oaar thins wAh your paymes, tl you send Ra paymem to any other address a if you use an enveope other than the one provirkd. Payments received in proper fain at our processtrg facility by 5PM kcal time on arty day will be aedied to your Acceuni as d that day. Payments received at our processirg laciity after 5PM bcal lime will be aediled to yoaAccounl as of Its next day If yet have misplaced your emebpe, send Y~ paymeiil ro Discover. PO Box 6103, Card SUeam, IL 60197-6103. Please aAow 7-i0 days for delivery. !f yor payment is returned repaid, we reserve the right ro resubnm it as an electronic debit. You ran pay your minimum payment or a greater artaunt over the telephone, and you can set up automatic payments. Cali us at 1-800-347.2683. You will need Rtis statement and your bank account inrormatiai. You must ensure that suffiriertt funds are available in your bank account and aN Varrsadions must comply with U.S. law. You will be asked a provide the first 5 digits of year amour statement zip code. By entering those numbers as your electronic signakre, you will be agreeing to this authorizatbn to allow us and you bank b deduct each paymea you autlrotize from your bank eCOwrtt and to initiate detat or credit entries to your bards acoaim, as applicable, to serest an error in the processing of such peymenf. You mull tell to fhe artaunt or each payment, a you cart select an amount such as the Minimum Payment Due ar the New Balance on eadr statement, You can cancel a payment, however we must receive ratirz et least three business days in advance of the schediAaf paymem. You may notify us by phone at t~00J47.2663 or by mail et the address listed in the previous paragraph. If your payments may vary in amours, we wit tell you on each maxlrty statement when your payittem will be made amt how much it wg be. Your Automatic payment amount may be kss then indicated on the monthty statement based on aerbts a paytrtarits applied dtring the Mikng cycle. Credit Reporting, We may repot infamatbn about your account b aedrt bureaus. Late paymenLS, missed payments. or atfier defaults on your acoarnt may be retleded in your credit report. We nom+ady report the status muff payment hisbry of your Account ro aedi reporting agerxies each month. if you hekeve That our report is inaccurate a incanplete, please avrite us al the bllowing address: Discover PO Box i53f G. Wilmington. DE 19850.5376. Please include yoar name, address, home telephone number and Account number PERIODIC FINANCE CHARGES. Periodic Finarvz Charges are imposed on all transactions fran Rx~ dale fhe transaction is posted ro your Account until the date you pay yotx entire New Balance, by making payments a recei~nng aediis. However, ii you paid the New Balance on your previous belting statement by the Payment Due ()ate shorm on that statement and you pay Ra New Balance by the Paynant Due Date an your turrets biltirg statement we wit! iwt impose Periods Ecorse Charges on nev purchases, that is, purchases fast appeareg on Rte current stafement. We ceA tNs the grace period. Otherwise, you wnN receive a bipkrg statemers next month that inrdudea Periods Finance Charges on Rase new purchases. There is no grace period on balarse Uansfers a cash advances. We sod yota transardions inb groups of puchases, cash advances, and balarse trarrders and ttrert ftuReer sort the Irensaclions wiRatt each group by (fair Arrival Percentage Rate. Fw exanple prrdwses subject ro a promotional rate and puchases subjeG to a standard rak woukt be separate groups. We refer ro tlrese groups as tiansactiar categories. At the end of each biRkg period, we compute lmlences artd Periodic Frtance Charges far each day d the Ming period fa each transadan cMegoly. We use the fofiowing eytteriarr to compute Periods Finance Chmges fa each transaction category: Average Dairy Balerse x number of days in the bifag period x Defy Periodic Rate. (You may refer to th finarsecherge summery on your bdlkg statement for these amamts./ Then we add W the Periods Frcrence Charges tar each transaction category W gat the total Periodic Finarse Charges for year Account The Average Gaily Balance is stawn as zero B, lxcarrse of tlta grace period, w Periodic Fkrorice Charges apply to the balance in a tramadi0rt category. We use die Average Daffy Boivrw (baludug nary trarrsactionsl meRad of calailatirg the balance upon which we impose Periods Finarse Charges. We mmlxtle the Average Daily Balance fa each tasnsaction categay by addng up atl the daily balances in a biting period br a transaction category and dividng are bled by the meiber of days in ltar billing cycle. We canpule Rte daffy balance !a each transaction category on each day 6y Grat adding Rte fofiowing b the previous days daffy balance: Iramaaieru ntade Rial day, fees charged that day ant Parodic Finance Charges acaued on the prevous days duty balarse; and by then sublracling any credits arM payments that are applied against the balance d the transaction category on That day !n pkxdating Rte daffy balance fa Ifre fast day d the ~9 period we omsider the previous days balence'ro have been your balance for each transaction categoryon Rte lest day of your previous Viking period. N e transaction is posted b your Maxim after tlx dace d ttre biAaig period in which k orsius, we will seat the transaction as ha~- ingoccurred on Rte Srst day of Ere biting period in wtridr it is posted ro yourAccount. AN lees dretged b your Acmum ere added b the standard padase iraruactiat category with the excapfion of Cash Adverse Transaction Fee Fnance Chargos wtiidr are added ro the applicable cash advance transaction category and Balance Transfer Trensadiar Fee Firnrices Charges which are added to the opposable balance transfer Uansactron category. When a speael balance transfer rero expires, we crave the unpaid balance d Rte balance transfer end the Balartce Transfer Transactiar Fee Fbrarrce Charges to the standard purchase transaction ceb9aY. However. # IM specal tab has been lemunated under Rte Defatdt Rate Plan, we leave the unpaid balarse dRre balance trensfer ant the Balance Transfer Trans- aaion Fee Finance Charges in the appkcable transaction category anti the special rate vrou(d have expired. For FDD Qekcammunicadons Device for the DeaQ assistance, please call f•8R0.34T-7449, Discover may owrdta ardlor retard telephone cells behveen you and Discover representatives fa quakry assurance purposes. The Discovers card is issued by Discover Bank, Member FOIC. OtTBK170 DiSCC~VEI~ 11 SDSN6A010013638 KENNETH GENTRY 22 ASHBURG DR MECHAHICSBURG PA Address, e-mail or telephone change2 Print change in space above, or go fo Discover.com. Print your a-mail addross to receive important Account information and special offers. 00000198b 458932953553127~94~r8t]0000000024000 Discover More Card Account Summary Closing Date: January 11, 2009 page 1 of 1 Account number ending in 9139 Previous Baance $12,223.70 Payment Due Date February 10, 2009 Payments And Credits - 241.00 Minimum Payment Due $240.00 Purchases + 0.00 Credit Limi} $14,100.00 Cash Advances + 0.00 Credit Available $1,905.00 BalancaTransfers + 0.00 Cash Credit Limit $7,300.00 Finance Cbarges + 21 1.48 Cash Credit Available $1,905.00 New Balance $12,194.18 C,tishback Bonuse Opening Cashback Bonus Balance $ 2.96 New Cashback Bonus This Period + 0.00 Cashback Bonus® Anniversary Month: Cktober New Balance Minimum Payment Dua $12, 194. t8 5240.Q0 Payment Due Date February ]0, 2069 17050-8203 Account Number ending in 9139 Enfer Amount Encbsed Bebw $~ Please make check payable io Discover Card or pay online ~ Discovercard.com. Text APP to DISCOV' to receive a link to our free mobile app and pay your bill in seconds from anywhere? PO BOX 71084 Illsnlluuullsulllnlrl CHARLOTTE NC 28272-1084 Irrlrllrrlrrrlrllrrrlrrlrlrrrllllrr,lrrlrrlrrllrrlrrlrrlrlrril Cashback Bonus Balance $ 2.96 Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(Rl. .~ 1 . Visit Discovsr.cam to pay your bill for no cost, view r How Can We Help You . latest AeeourN information, earn and redeem rewardi and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER {347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD {assistance for hearing impaired) sea reverse side Salt Laka City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Post Date Dots Payments and Crodits Jan 9 Jan 9 INTERNET PAYMENT -THANK YOU $ . -241.00 Information For You Bulenca Transfer offer(s) for current billing period: Daily Periodic Rate: 0.02737%; corresponding ANNUAL PERCENTAGE RATE: 9.99%. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FRANCE FINANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $12302.58 0.05545°~ 20.24% V 20.24% $211.48 $0 Cash Advances $0 0.06641% 24.24% V 24.24% $0 $0 The rates that apply to your Account are either fixed (FI or they may vary {V) as rated above. Emportmtt ln(ormafion. U there is more Apart are page b ttis trY9ng staemerd, see the back of each page fir ectrliiaml inporlant irt(armaAort. p See your CardmemberAgreemenLYOa Cetdrrrember Agreement cort~ins aA the farms d yorrAccartt Lost a stolen cards. Repot immerbMey! CaA 1.800.347.2683: c B88ng Rights Suamwry. b Case d Ertaw a t2rtesliorls Abatl Yar fill: It you thkrk volt bigts wrong, a if you need mere infomlaAort about a trertsadion on ytwr hill, vrtik b us on a °o separate sheet of paper al Discover, PO Boz 30421, Sek Lake Ciry, UT 84130.0421, as soon as prusible. We must hear from you no btar than 60 days attar owe sem gar Ate fret M7 on , wtacft Ate error a problem appeared, You can ttrlephare us, but doing so wiI not preserve your rights. In volt otter, grre us the fo8owirtg inftxmatlan: • Your name and Atxamt number. a • The doter amount of the su~ecbd artw ~ • Destxbe the era and explain, U yrw can, why gal, believe Ihere is an era. Ii you need rttore information, desaibe the Bem you are ttrtsure shoal You do not have to pay any atrarmt in question whie we are investgating, but yon are suit obkgaled b pay the pans of volt bib that are not in question. +Nhie we investigate your question, we tarnot report you as delinquent a lake any et4iat to Idled the antounl you question. Special Rule for Credit Card Purchases: If you have a problem wih the quakty of goods a services that you ptrdtased with a aedil card, and you have hied in good faith to.carect the problem wiUt the mevdtartt, you may not have ro pay Ale remaining rrraunt due on the goads w services. You bare this prdeaion only when the ptrchase price was mac Alen 350 and the tyrudtese was made in your home state awitMn 100 voiles dyour maitkg address. (Uwe own a operate the merchant, arf we mated you the advertisement is the goods or services, ~! purdtases are cpvered regardless of Ate amount or IoraAon of prrrftese.) Payments. Send only yarpayment and the top portion of Utb statement in the envelope provided. Do trot send cash. By sending your check as described above, you authorize us b use inforrrra0on on your. check to make en electronic fund transfer from your account at Iha Gnandal insAlution irtdicaled on your dteck a to process the payment as a check transaction. if payment is processed as an electronic fund transfer, the transfer wd be for the amount on the check. lNhen we use infonnatbn from your check to make an eledronic fund transfer, funds may be withdrawn from your account as soon as the saute day we receive your payment, end you wa not receive your check back Uom your financial insktdwn. The processing of your payment may be delayed i you send castr, correspondence w other items with yav payment, U you send the payment to any other address or if ya, use an envelope other then Ate ate provided. Payments received in proper tam at our processing fadl'ry by 5PM oral time on any day roll be aalited bytnr AlxntN as of that darn. Payments received at ow processing FadGty after 5PM bcal G1re wiA be aedded to your Accorattes d the nett day. If you have misplaced gar envelope, send your payment to Discover, Pt? Box 6103, Carol SUeam, IL 60197.6103. Please alkriv 7-10 days for delivery. It your payment is returned unpaid, we reserve the right to resubmit it as an electratic debit You can pay your mirtirtum payment a a greater amount over the telephone, and you tart set up automatic payments. Call us at 1-800-347.2683. You volt need ibis statement and your bank account informa9on. You must ensure that surfident furls are available fn your bank account, and all transactions rtwst comply with U.S. law. You veN be asked to provide the first 5 digks of volt aocotrtt statement zip code. By entering Arose numbers. as your electronic signaNre, gar wiu be agreeing ro Ibis auNarization to a&ow us and your bank to deduct each payment you au8todze from your bank account, and !a initiate debit a credit entries to your bank account, ss applicable, b correct an error in the processing of such payment You must tell us the arrorrtt of each payment, a you cat select an amount such as the Minimum Paymer4 Due a the New Baance on eadt statement You r~rt cancel a payment, however we ' must receive notice at least three btrsiress days in advance of the sr~rded payment You may rto6ry us by phone at t-800.347.2663 or by mail at Ate address fisted in Are previous paragraplt. If you payments may vary in amount, we wiG tell gar on each monthly statement when your payment wi8 be made aril how much it wig be. YourAubmaric payment amount maybe less then irl~eated on the matdtSystatement based on credits a payments appked during the biding cycle. CredU Reporting. We may report kdortnetion about your sextant b aedk twreaus,late paymems, missed payments, a oftter defauhs on your account may he refk:ded in your credit report We normally report the status and payment history of yourAcoount to credt reporting agendas each month. If you believe Atat ow report is inacairete or irtcompleta. please write us at the bllowing address: Discover, PO Box 1531G, Nilmmgton, DE 19850-5316: Please colada your name, address, home telephcne number and Account number. PERK)DIC FINANCE CHARGES. Periodic Finance Charges ere anposad on aA transacFons from the dale the transaction LS posted to yoaAccount until the date you pay your enlae New Balance, by making payments or receiving aedits. However, i(gar paid the New Balance on you previous bilirg statement by the Payment Oue Oate shown on that statement, and you pay the Now 8elertce by the Payment Due Date on your arrant biting statement, we wit nil impose Pedadic Finance Charges on new purchases, that is, purdteses fast appealing on the ctrrent stalerttent. We call this Aro grece perod. thherwise, you volt receive a Ming statement next month that includes Periodic Finance Charges on those new purchases. There b nor grace period on balance kartsfers a rash advances. We sort your hanaedions orb groups of purchases, cash advances, and balance transfers and Ihen fwlher sort the transacGore wiAtin eadt group by theirAatu~ Peraarttage Rate. For example, pudtases stbject b a prtxnotional rate and ptrrdteses sttbjed b a standard rate vrotid be separate groups. We refer bthese groups as transaction categories. AS the end of each berg period, we compute balances aril Periodic Finatce Merges for eadt day d Ate bi@ing period fa eadt treruacAon category. We use the fo0owing equation b crnnpute Periodic Femnce t~targes to each trsrtsaction catt~rxy; Average Daly Balance x mrriber d toys k1 Are biUrtg period x Deily Periodic Rate. (You may refer to the fxxmce charge strrttmary on gar tri8irg stelerrrent to Urese artatnts.) Them we add up Ate Parodic Finance Ctterges to each frartsactiat category ro gel the blot Periodic Pittance Charges for gar Arxotmt. The Aveage Dmty Balance is shown as zero iL because d the grace period, rro Periodc Fktartce Charges apply to the balance in a Uartsadiort tafegory. We use tlw Average Deiy Balance {rrtduding new trertsatiions) mdlrod of cnigiadng the balance upon which we urtpose Periodic Fktance Charges. We compute the Average Daly Balance for each tratsaction category by adding up aA the daily balances n a oilJag period fir a transactor category and dividing the total by the ntritt>er d days m the oiling cycle. We conptae the daily balance fir Rath UansacAon cakgory qt each day by fist add'mg the fdlDwing b Are previous day's daily balance: IranSaCtiate made tltal may, fees dtarged Utatday and Periai;c Fetance Charges eccrtted on ttte previous day's daily belatce; and by then slrMrecAng any credits and peyrnertts that are aPpked against the t>elence d the transaction category on that day. In cakxdatig Ate QeBy hatertce fir Ate first day d Ifx bilkg period, we rnrtsider tfte'previous days balance" to have been your babrtce to eedt transaction category on the bat day of your previots billutg period. U a trerrsadion is posted ro you Aocounl after the cbse d the biRirg period n wllidt it ocews, we wiM Ueat lha transaction as hav ing occuned an Are first day d the bifrtg period in whidt it is polled to yourAccount. Att fees charged to yurrAaount are added to the standard ptrdtese trazasedior category vrAt the exceptron of Cash Advance Tronsaction Fee France Charges wliidt ere added b 6.e applicable cash advatce transaaian category and Balance Trertsta irarrsaction Fee Finances Chagas wfactr are added b the appkenttle balance transfer transaction category. When a specal balance transfer rate expires, we rrtave the unpaid balance dthe babrtce transfer and the Babrtce Transfer Trartsection Fee Potence Charges to the standard purdtase Uartsaction category However, U the spetbl rate has been termireled under the Default Rate plan, we leave the rapmid balance of the balance Iransler and Ate Balance Transfer Trans- acl~t Fee France Charges in Are applicable transrsetion piegory until the special rate wroukl have expked. For TDD (Tekcommunicdions Device forthe Deaf) assistance, please call i-800.347-7449. Discover may tnonita andfa retard teiephate calls between you and Discover relaesentatives for grr~iry assrrance purposes The DiscoveP'card is issued by Discover Bank, Member FDIC. O1TBK170 __ New Balance Minimum Payment Due Account Number ending in 9139 ~~SC~VER $12,385.34 $244.00 ] Enter Amount Enclosed Below Payment Due Date March 10, 2009 please make check payable to Discover Card or pay online Q Discovercard.com. 17 SDSN6AOt OOt3639 TextAPP to DISCOV' to receive a Ifnk to err KENNETH GENTRY free mobile a and ur blll in seconds 22 ASHBURG DR tromanywher~el payYc MECHANICSBURG PA 17050-8203 PO BOX 71084 ~~~nrf~sunr~~rrr~~~u~r~ CHARLOTTE NC 28272-1084 Address, email or tekaphone change8 Print change in space ~n~r~~n~ur~r~~ur~u~r~ru~~~~rrr~n~u~n~~n~u~rn~r~n~~ above, or go to Diswver.com. Print your email address to receive important Aewunt information and special ofFers. 000001986458932953553123853400000000024400 Discover More Card Account Summary Closing Date: February 11,2009 page 1 of 1 Account number ending in 9139 Previous Balanea $12,194.18 Payment Due Date March 10, 2009 Payments And Credits - 240.00 Minimum Payment Due $244.00 Purchoses + 218.88 Credit Limit $14,100.00 Cosh Advances + 0.00 Credit Available $1,714.00 Balance Transfers + 0.00 Cash Credit Limit $7,300.00 Finance Charges + 212.28 Cash Credff Available $1,714.00 New Balance = $12,385.34 Cashbtack Bonus° Cashback Bonus® Anniversary Month: Cktaber Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R). Opening Cashbook Bonus Balance $ 2.96 New Cashback Bonus This Period + 0.54 Cashback Bonvs Balance $ 3.30 How Con We Hel You? p 1 ~ visit oixover.cem to pay year biR for no east, view your latest Account information, earn and redeem rewards and more :It's your choice - $ ways to help 2. Call 1.8oo.wSCOVER (347.2683) for Fast, easyselfservice Please have your Discover Card available, options or to speak with o Customer Service Account Manager 3. Write us of Discover Card, PO Box 30943, For TDD )assistance for hearing impaired) see reverse side Sak Laka City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. T s. P ~ ~ Payments and Credits Feb 6 Feb 6 INTERNET PAYMENT -THANK YOU $ -240.00 Mexhandise/Retail Jan 29 Jan 29 WAL-MART SC - #1591 HARRISBURG (EPA 218.88 Information For You Balance Transfer of(erjs) for currant bRling period: Daily Periodic Rate: 0.02737%; corresponding ANNUAL PERCENTAGE RATE: 9.99%. '.Finance Charge Summary Nominal Transaction Average Doily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE HNANCE FINANCE Balances Rates RATES RATES BARGES CHARGES current billing period: 31 days Purcfwses $12348.85 0.05545% 20.24% V 20.24% $212.28 $0 .Cash Advances $0 0.06641% 24.24% V 24.24% $0 $0 The rates that apply to your Account are either fixed {F) or they may vary IV) as noted above -- - -~ -- -n :-Tr Important InformeUon. If there is more Nan one page to Ups bilktg statement, seethe back of each page for addibrt~ irrtpalant information. o See your Cardmember Agreement Your Carrknembar Agreement contains ntl Ne terms of yaa Account. z m Lost or stolen Garda. Repod immediately! Catl 100.347.2&83. c BilUrrg Rights Summary. In Case of Errors a QtsesBons Aborrt Yaur &7: If you Nkut yatx bit is wrong, or it you need more information about a transedicn m yotu btll, mite to ds on a ° separate sheet of paper al Discover. PO Box 30421, Sall Fake Ciry, UT &1130.0421, es soon as possible. We must hear front you no later than 60 days agar we sent you the fast bit on o which tlw error ar proNem appeared. You can klepfane us, but dt>kg ao wit not preserve yow rights. M }roar letter, give us Use k>NovArg informatlon: m • Yow name endAcoounl number. ~ • The doUer amount of tlx: suspected attar ~ • Describe Ua error and explain, if you cen, why you believe Here 's en error. N you need more inbrnmtion, descrdte the item you era rxtsrxe shoal You do rat Lave b pay arty anattnt in question cable we are pstes6gatetg, txA you are sg11 ob[garod to pay the parts of your 1>g that ere not in grvesticn. While we investigate your queslan, vre tattoo( report you as QelirrrRtent a take arty eckort b toted the amautl you grresUon. Special Rule for CredH Card Purchases: If you (taus a problem wiN the qutrkly of goods ar services Utal you purchased wUh a rxe~t prd,and you have tried in good faith to caned the problem with Iha merchant. you may not have to pay the remaining amount due on the goods ar services. You have 1Ms protedbn oNy when Use purchase price was more Nan $50 and the ptudtase was made in your borne state orwithin 100 miles of your madirg address. (If we rnm ar operate the merchant, or'dwe mailed you the advertisement far the goods or services, all purdhases ate crnrered regenless of the amortm a bcatian of purchase.) Payments. Send Doty your payntem and Ne top portion of this statement iri the erwebpa pravidetf. Do not send cash. By sending your check as desrxibed above, you authorize us to use infamtation on your check b make an electronic hood transfer fran your account al Ne fittattdal ktstiWUon indicated on your check «to process the payment as a check transaction. M payment is processed as an electronic fund transfer, the transfer veH be for the amount on the check. When we use infomtation from }roar check to make an eledromc fund transfer, furnis may be wiNdrawn hom your account as soon as the same day we receive your payment and you call not receive your check basic from your finandal instiluiion. The processing of y«a payment may ne delayed d you send rash, correspondence or other items with your payment, i you send the payment to any oNer address «it you use an envelope other than Ne one provided. Payments rerxived in proper form at our processng fataBty by 5flt kcal time on any day trill be credited b year Accrnrnt es of that day. Payments received at err proessug (aclliy aUer 5PA1 locel time call be Bedded b yourAocovnt es of the next day. tf you have misplaced your envelope, send your payment to Discover. PO Box 6103. Carol Stream. IL60197-5103. Please alkyw 7--10 days for delivery. II year payment is retuned unpaid, we reserve the right b restbmit it as anelectronicdebit- Youcan pay your minimum payment «a greater amount aver Ne febpftone, and you can set up automatic payments. Call us at 1-800.347-2683. Yau ttitl need This statement and your bank account inbrmatgn. You must ensure That sufUdent ftatds are evadable in yota frank octant, and all lransacGons must wngrty wih U.S law. Yar wiN be asked b provide the first 5 digits of your account statement zip code. By entering those numbers as yax electronic signatwe, you will be agreeing 1o Nis auttarization b albw us and your bank to deduct each paynxant you autttofize from your bank account, atxl to insists debR or aedil enhies to your bank acmwt as ap~irable, to correct an error in the processing of such payment You must tell us the amount of each payment or you can select an amotnt such as the Minimum Payment Due ar the New Babrtce on each statement. Yeti can cancel a payment however the must receive ratice at least throe business days b advance of the scheduled payment. You may ratify us by plane at 1-aib0347.2583 or by mail at the address fisted in the prevous paragraph. U your paymenCS may vary in arrant we will tell you on each rttordhly statement when you paylttertl wi3 be made and tofu much it wiq be. YourAubmatic payment amount may be less than indicated on the montluy statement based on credits a payments applied dtuxtg the baling cycle. CrediE Reporting. We may repoA information about your account b aadil bureaus. Late payments, mussed payments, ar other defaults on your amount may be retleded in your credd report We normatly report tits stabs and peymenf history of yourAmaunt to rredii reporting agencies each month. If you believe that our report is inaccurate or inwmplete, please write res at Ute loilavnng address: Discover, PO Box 75316, Wammgton, DE 19850-5316. Please include your name, address, home telephone number and Amoun! number. PERIODIC FINANCE CHARGES. Periodic Finance Charges are imposed on all transactions from the dale the nensadion is pasted ro your Account unlit the dale you pay your entire Nnw Balance, by making payments or receiving credits. However, if you paid Ne New Balarse on your previous billing statement by the Payment hue Date shown on that stakment and you pay the (Jew Befarxa by the Payment Due Date on year current Mll'vtg statement we w}I not impose Periodic Finance Charges on new purchases, that is, purdhases first appearkg on Ute current statement. We call this the grace perod. OUterwise, you call receive a Ming statement nett month that incktdes Periodic Firtartce Charges on Nose new purchases. There is ra grace period on boleros transfers or cash advarxes. YVe sort your transactions title groups of ptxrdtases, rasfi advances, and (relates trerssfers and Vert kxtlher sort the tmrtsadans within eadt grog by their Annual Percentage Rate. F« example, purchases subject to a prarnolional role arxl purchases subject to a standard rah wotAd be separete groups. We refer to tltese groups as transaction ralegories. At the end of each belting pedod, we cartpute balances and Periodic Finance Charges for each day of Ne billing period far each bansadiort category We use the fallowing equation to canpute Periadc Finance Charges for eadt kwtsactiort cekgwy. Average Dorly 8alarse x mmtber of days in the bifatg period x Daiy Period's Rate. {You may refer to the finance charge summery on your brl'ing statement br these arrramts.) Then we add up the Period's Finance Charges far each trmrsecUon category to get the total Periodic Fktence Charges t« year Arxqurtt. The Avenge Daily Relates is shown ea zero it because of Ure grace period, no Periodic Fitartce Charges apply b the balance in a uansacriun category. We use the Average Daily Balance {indtxbrg netu Irareadions) method of calctdating the balanco upon which we impose Periodic Finance Charges. We compute the Average Daily Balance for each lrartsaWu<t glag«y by adding up all the dairy balances n a tuUi~ period for a hartsacbon category and divirkng the oral by Ne number of days in the SiNing cycle. Vela oomptxe Ure daffy balance for sorb aensactiort category on each day by fast addsg the tolbwing b the previous day s daily balance: Iransadgns merle Uhal day, fees charged that day and Pwiddic Fatarae Charges emoted on the previous days daily balance; and by then srbhacting arty credits and payments that are apptled against the balance nt the transaction category on Nat day. In celadalirg Ure deify brtlartce la the first Bey of the biNirg period, wa ccesidar Ne'previous days balarxz' to have been yow balance for earfi hansadion category on tlta fast day of your previous biting period. If a transaction is posted to yourAocount abet Nor Ghee of the biting period. in wtrich it occurs, we call treat Ne vansadian as hav- ing oocrxred an the fast day of Ne being period'm wfuch [ is posted b year Accent. All fees charged to yowA..omatare added to the standard purchase hansacton category wills the exception of Cash Advance Transaction fee Finance Charges which era added to the appticabde cash advance transaction category ant Relates Transfer TrartsacUon Fee Finances C2targes which are added to tfte appkcable balance Uansfer lrartsactiort cakgary, WEten a special balance transfer rate expires, ire move the unpaid balance of the balance Transfer and the Balance Transfer Transaction Fee Finance Charges b Elte standard prudtese trartsoction category. Havevetd Ute special rate Itas beers terminated under the De(auk Rate Plan, we leave the unpaid balarx~ of the balarrce aansfer and Use Balance Transfer Trans adorn fee Finance Charges in the appkcabfe trartsadion category until the special rate wotdd have expired. For TDD {Telecommunications Device for the OeaQ assistance, please calf 1.8W-347.7449. Discover may mondor andbr record telephone calls between you and Diso~ver represenfaUves for quality assisance purposes. The Discover" rard'rs issued try Discover Bank Member FDIC. OITBK170 DISCOVER New Balance S 12,333.26 11 SDSNtiA01 OOt3640 KENNETH GENTRY 22 ASHBUR6 DR MECHANICSBUR6 PA 17050-8203 Minimum Payment Due Account Number ending in 9139 5243.00 Enter Amount Encbsed Below Payment Due Date $ Aprr1 10, 2009 Please make check payable to Discover Cord or pay online ~ Dixovercard.com. Address, e-mail or telephone chonge3 Print change in space above, or go ro Dixover.com. Print your o-mail address to receive important Account inFormation and specie! offers. Text APP to DiSCOV' to receve a Ilnk to our tree mobile app and pay your hilt fn seconds from anywhere) PO BOX 71084 (llrrrllrerrrrlltrrlllrrls~ CHARLOTTE NC 28272-1084 lulrllulurlJl~ulnlJnrl111rn1n1n1n11n1u~rrlJull ODODD198645893295355312333260DDOOD0002430D Discover More Card Account Summary Closing Date: March 11, 2009 page 1 of 1 Account number ending in 9139 Previous Balance $12,385.34 Payment Due Date April 10, 2009 Payments And Credits - 245.00 Minimum Payment Due $243.00 Purchases + 0.00 Credit Eimil $14,100.00 Cash Advances + 0.00 Credit Available $1,766.00 Balance Transfers + 0.00 Cash Credit limit $7,300.00 Finance Charges + 192.92 Cash Credit Available $1,766.00 New Balance = $12,333.26 CaShbatk BonUS° Opening Cashback Bonus Balance $ 3.50 New Cashback Bonus This Period + 0.00 Cashbiick Bonus® Anniversary Month: October Cashback Bonus Balance $ 3.50 Keep building your rewards with every purchase. Stara redeemirry once you reach S20 Cashback Bonus(R). 1. Visit Discovsr.com to r bill for no cost view your How Can We Help You? latest Account infarmati«t~eam and redeem rewords and more It's your choice - 3 ways to help 2. Call 1-800-DISCOVER (347-2683) for Fast, easyself-service options or to speak with a Cusromer Service Account Manager Please have your Dixover Card available. 3, Write us at Discover Card, F'O Box 30943, For TDD (assistance for hearing impaired) sea reverse side Salt lake Ciy, UT 84130 Transact~OS1S $0 Fraud Liabs4+ty Guarantee Use your Discover Card with confidence. Trans. Post Data Date Payments and Crodits Mar 6 Mar 6 INTERNET PAYMENT -THANK YOU $ -245.00 Information For You Balance Transfer ofFer(s) for currant billing period: Doily Periodic Rate: 0.01093%; corresponding ANNUAL PERCENTAGE RATE: 3.94%. Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FNJANCE Balances Roles RATES RATES CHARGES __ CHARGES current billing period: 28 days Purchases $12425.92 0.05545% 20.24% V 20.24% $192.92 $0 Cash Advances $0 0.06641 % 24.24% V 24.24% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary M as rated above. ---- ~ Important Information. g (here is more than one page to This Ming statemerx, see the beck of eedt pt~ 1ot ad~liorellmportant inkumalion. rn See your Cardmember Agreement Your CardmdnberAgtaencent coniaars aU Ura terms of you itcceunt z rn Lost or stolen cards. Report knrtedate(yl Cori 1.800347-2683. c St81ng Rights Summary h Case of Errors a (ArasionsAtxwt Yorrr BiN: Ifyou tlrirrk your bit is wrong; a if yea rteea more irdamatian about a transatiion an you brY, vvMe ro us on a o ceparak street of paper at Discover, PO Box 30421, Sall take City, UT 84130.0421, es soon aeposs'ble. We must hear ban you ra telar dean 60 days after we sent you the first bit on whidr the afro a problem appeared. You can telephone us, but doag sa wit not preserve you rigtKS In your fetter, give us the (oiowirg infomatfon: ~ • Yarn name and Auamt rwmbef. o • The doNar amount of the sirepected error • Describe the errs and explain, tl you can, wiry yogbelieve there is an errs. If you treed rrtae informaton, describe the item you ore Insure about, ~ You do trot have to pay any amount rn question u4ttle we are iwesligaUng, but you are sti obigaled b pay the parts of your bNl Uret are not in question. While we irrveslgprte your questiat, we cannot repod you as deirtquent or take any ac~n to coNeet dta amount you gtrestbn. Special Rute fa Credit Card Purchases: If you have a {rabkm with dte quality of moods aservices Drat you pucttased with a aedd card, aril you have tried in good faith to cared the problem wnh the merdrarti, you may rat have Io pay the rarr>eirting amount due on the goods a services. You have this pmterdiorl only when Ux purchase pricewas more then 550 and the pucrase was made in you bane stale a within 100 miles of your maietg address. (I! we own a operate the marches; a if we mailed you the aduenisement fa the goads a servias, all purdtases are covered regardless of the amount a location of purdtase.) Payments. Send only your payment and the top portion of This statement in the emrebpe provided. Do not serd cash, Ey se~rtg your check as described above, you auttarize us to use uformafioo on your check to make en electraic fund transfer from your accatnt al tfa fmandal insiNttiar indicatetl on your dtedc or to process the payment as a check iransection. If payment is processed as an elecvonic fund transfer, the tansfer will beta the amount on the check. When we use inforrnaGon from your check ro make an elecvonic ford vansfer, funds maybe wiftdrawn vom your account as soon as the same day we receive you paymer4, and you vdl l trot receive you check back from your financial institution. The processing of you payment rrrey ba delayed'd you send cash, correspondence a other items with you payment, if you send the payment to any other address a i€ you use an enveope other than fire one provided. Payments received h proper form at ow processing faaliry b'15P}A loco! fime on any day wit be aedited ro your Account as of that day. Payments received at ou processing facility alter 5PM total ime wit be aedited to you Account as of Ute next day. If you have misplaced your envelope, said you paymentto Discover; PO Box 6103, Carol Stream, IL 60197-6103. Please aNow 7-10 days for delivery. If your payment is returned unpaid, we reserve the right to resubmit it as an elecvorilc debit You ten pay your minimum payment a a greater amount ova the telephone, and you can set up automatic payments. Call us at 1-800-347.2683. You will need this statement aril your bank account infamatan. You must ensure that sufficient tends are avaNable in your bank aaouM, and all transactions must comply with ll.S. taw. You will be asked !o provide Ure first 5 digits of your account statement zip code. By enuring ttase numbers as you elet4fonic sgnatere, you will be agreeirg to Ihrs atAhorization to allow us and your bank ro deduct each payment you authorize Fran your bank accatnt, and to iritiate debit a aedil entries b your bank account as applicable, ro conectan acre in the processing of such payment. You must tell us the amount o(each payment, a you can select an amount strlt es the Mirymun Payment Due or the Naw Balance on each slatemerd. You can cancer a payment, however we must receHe notice at least three business days in advance of Ure scfredulad payment. You may ndily us by plane at 1.8W347-2663 orby mail at the addtess ksted in the previous paragraph. R you payrrams may vary in amount, we wit l~l you on each matmty slatrtmenl when your payment vrii be made and how much it will be. YourAutomeic payment amount may be less than irrdiceted at the mondly slafemenl based on aedits a paymets eppred during the Ming cycle. Credit Reportirg. We may repel information about your arxaul b aedl bueaus. Late payments, missed peymerds, a other defarlts on your account may be reflected at your credit report We normally report the status andpaymerl history of yatr Aocortnl to aeJt reporting agendas each month. ff you believe Ural our repod Ls inaaumte or incomplete, please write us at ffie following address: Discover, PO Eox 153t6, Wilmington, DE 19850-5316. Please include your name, address, home telephone number and Aa;ount number. PERIODIC FINANCE CHARGES. Periodic finance Charges are inposed on aN traruections vom Ute date the Irensadion is posted to your Account unaN the date you pay your entire New Balance, by malting payments ar receiving rxedits. However, d you pad the New Balance on your previous biNirrg siaternant by the Payment Due Date sham on That statement, and you pay tlae New Ealence by Ure Payment Due Dale on your arrant biirtg statetttent, we wit{ nil iirrpOSe Periodc Fnance Charges on raw padrases, that is, Purchases firslappearing on the current statement. We caN this Ute grace period. Otherwise, you wii receive a biting stakvnent next tnonfh that irttcludes Periodic Finance Charges at those new purchases. There is ra grace period on balance vansfers or cash advances. We sort your trensadiats inb groups of purchases, cash advances, end balance transfers and then lusher sat the transadiats within each group by IheirAnmtal Percentage Rate. Fa example purchases subject fo a ptomoiorral rate ant purctwses subject ro a s6ardard tale Wald be separate groups. We refer ro these goups as trartsadion categories. At the end of each hilitrg period, we complrte bdenaas and Periodic Fnance Charges for each day ~ the bifarg period fa ruck vansadian category We'use the foiowsig equation to cartpute Perieda Firorae Charges la each transac0at cafegay. Average Daly Belarrce z raat~erbFdays in ire D~atg period z Oeiy Periodic Rete. (You trray refer la the finance charge summery on your biting stelernent for these amotxrts.) Then we add up the Perio6c Firerae Charges Tor each vansacion category to get the total Peritxic Finance t:harges for your Acanzu. The Average Daly Balance is shown as zero if, because of the grace period, ra Periottic Finance Charges apply l0 the 1>elartce in a transaction category. We use the Average Daily Balarxx {ndudkg new trarrsactiens) meUad of calixlating Ute balance upon wldctt we impose Periafic Finance Charges. yye compute the Average Deily Balance fa each trarrsaction rategay by adrfirtg up aN the daffy balances it a bdung period far a Uansackon category end dividing the tots by the manbor of dayre in Ure biting cycle. We compute the defy balance la each vansacN«t category on each day by fret addkg the foAowrtrg m the preaats day's dsa7y batertce: transaaarrs made that day, tees charged Utet day and Periodic Fnance Chuges aocnted an the previous days defy bdance; and by then slbftacing any ae~ts orod payments that are appied against the balarroa of the Uatuaction cetegay on Ihet day In ralalafmg the daily baance br the feat day of the burg period, we consider Ote `previous day's balance' ro have been you balance fa eadt Orerrsaction category on the last day of you previous biting period. N a hattsadion is posted to your Account after the dose o(fhe biAing period's wfudt h ocars, Mre wit vest die vansadion es hav- ing attuned onthe fasiday of the Ming period in x4tidr is pasted to your Account. All fees dmrgad ro yotr Accouht are added to the stardard purdtase transaction category with the exception of Cash Advarx;e Tansacion Fee Firience Charges which are added la lte appkcabte cash advance transaction category and Balance Transfer Trarrsadion Fee Fnertces Charges wlddt ere added m the appkceble balance transfer vansaction category. When a ~edai balance transfer rate expkes, we move the unpaid balance of the belarrce transfer aril the Balance Transfer Transaction Fee Fnarrce (grerges to the standard purchase transardiorr category However, if the specal rate has been terminalad under ire Detauk Rate Plan, we leave the urrpeid ba~nce of the balarrce tmnskr and the Oalarae Transfer Treru• ardion fee Finance Charges ro dre appficebde traosaceon category unti the special mte would love expired. for TDD (TelecommunicaUone Device forihe Oeai) assistance, please call 1.1100.347-7449. Discover may momror andla record telephone cats between you and Discover refreserrtaives (or quality assurance purposes. The Discover6 card is issued by Discover Bank, Merrher FDIC. OtTBK770 DISCOVER New Balance Minimum Payment Due $12,295.78 5242.00 Payment Due Dote Moy 10, 2009 11 SDSN8A01001364i KENNETH GENTRY 22 ASHBURG DR MECHANICSBURG PA 17050-8203 Address, e-mail or telephone change2 Print change in space above, or go to Dixover.com. Print your email address to receive important Account information and spacial offers. Account Number ending in 9139 Enter Amount Enclosed Below Please make check payable b Dixover Card or pay online ~ Diseovercard.com. Text APP to DISCOV' to receive a link to our free mobile app and pay your bill in seconds trom anywhere! PO BOX 71084 IIlrr,ll""r,ll"'111„1,1 CHARLOTTE NC 28272-1084 I„I, I I,,I,,, I, 11, ~ ~ I ~ ~ I, I, ~, I I I I„.I,, I„I„I I„I„I, ~ I, I, i l l 000001986458932953553y2295780D000000D24200 Discover More Card Account Summary Closing Date: April t, 2009 pose 1 of 1 Account number ending in 9139 Previous Balance $12,333.26 Payment Due Date May 10, 2009 Payments And Credits - 250.00 Minimum Payment Due $242.00 Purchases + 0.00 Credit limit $14,100.00 Cash Advances + 0.00 CreditAvailabte $1,804.00 Balance Transfers + 0.00 Cash Credit Limit $7,300.00 Finance Chargss + 212.52 Cash Credit Available $1,804.00 New Balance = $12,295.78 Casfiback Bonus® Cashba<k Bonuses Anniversary Month: October Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(Rl. Opening Cashback Bonus Bakrnce New Cashback Bonus This Period Cashback Bonus Balance $ 3.50 + 0.00 8 3.50 How Can We Help You? 1 • Visit Dixevsrcwn to Pay your blN for no cost, view your latest Account information, eom and redeem rewards and more !t's your choice - 3 ways #o help 2. Call i-BOO-0ISCOVER (347-2883) For fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 309A3, For TDD (assistance for hearing impaired( sea reverse side Salt Lake City, UT 84 i 30 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. T~. P~ Paymsr,ts and Credits Apr 3 Apr 3 INTERNET PAYMENT -THANK YOU $ -250.00 Information For You Balance Transfer offer(s) for wrrent Ming period: Daily Periodic Rate: 0.01093%; corresponding ANNUAL PERCENTAGE RATE: 3.99%. Finance Charge Summary Nominal Transaction Average Deity ANNUAL. ANNUAL. Periodic Fee Daily Periodic PL7tCENTAGE PHtCHJTAGE RNANCE FINANCE Balances Rates RATES RATES CHARGES ~ current billing period: 31 days Purchases $12363.65 0.05545% 20.24% V 20.24°I'e $212.52 $0 Cash Advances $0 0.06841 % 24.24% V 24.24% $0 $0 The rotes that apply to your Account are either fixed (Fl or they may vary N) as noted above. >~ -_ - -_~ =Tr- trnportant Inlormation. 8 there is irate than one page ro lttis 1rilYatg statement, see the badt of each page br addilbnat intportanl atiarmatbn. p See your CardmemberAgreemenL Yoi« Cardmamber Agreement txx8ahs all the feints of ya,r Account Lost or stolen.cards. Report itttmeaia~ly! Cai 1.500.347.2683. Blllhg Rights Summary. h Case d Footer oc Questions About Your BiB: if you 0artk your bill is wrong, a if you need more hfarnation abort a trtrnsar:tion on your bill, valve to us on a o0 separete sheet d paper ffi Dtsoower, PO Box 30421, Soh Laker Ciy, t3T 84130-0421, as soon as possble. We must hear from you no later than 60 days after we sent you the first bll on -. which Ute error a problem appeared. You can ldaptane us, but daring so call not preserve your rights. h yrarr otter, give us Ore foiovnrg mfamation: p • Yota name andAccoatt nuttber. -- •fie doUer arrtotetl Mthe suspedederns ~ • Describe the snot and explain, if you r~rt, why you lxfave there is en errs. If you rteed more information, desaibe me item you tae unsrrce about You do rid have b pay ant amount in question whie we are inuestigafhg, but you are sti11 ohligeled b pay the parts of you txfl 0~t are rat in gteston. While vie investigate your queston. we carrot report you as delinquent a take any action b toted the anaunt you question. Special Ruk tar CredU Card Purchases: 8 you have a problem with the quality d gads a services that you purchased with a aedit card, and you trove tried in good faith to coned the problem with the merchant, yrotr ntay rat have to pay the rentainmg amount due on the goods a services. You have this protediat ordy when the purchase price was mere than$50 and 1ha pwdtase was made in your home state a wdhin 100 inter d your maiirg address. (8 we own a operate the merchant a if we mated ya the advertisement fa the goads a services, ~ purchaxs are covered regardless of the amount or toration of purchase.) Payments. Send Doty yarc payment and the top portion of this statement in the erwelope provided. Do not send cash. Hy sending your dtedt as destxibed above, you authorize us to use irtfomtalion on you check to make an eledrortic fund transfer from your acoourx at the fmandai institution indicated on you dtedc or to process the payment as a check transaction. €f payment b processed as an electrone fund transfer, the transfer vnU he far the amount on the ttreck 'A'hen we use infamahon from yar cttede to make an electronic fund transfer, funds ntay be withdrawn hom your aceounl as soon as the same day vie receive your payment, and you will not receive your check bade from your fmancaal institution. The processing of you payment may be delayed if you send cash, correspondence a other Gems with year payment, if you send the payment to any other address a if you use en envebpe other than the one provided. Payments received in proper form at our processing fadity by 5Pb1 bcaf time on any day wiu be aedrted to yorrAccount as d 0tal day. Payments received err our processing faddy e8er 5PM bml time call be aedded b your Acwunt as of the next day. If you have misplaced your envelope, send your p¢ynteiil to Disdover, PO Box 6103, Card Stream, IL 60197-6103. Please allow 7-10 days fa delivery 0 yar payment rs reft+rned unPad. we reserve the right to resubmit it as an eledronic debit. You can pay your mirdmum payment or a greater amount over the telephone. and you can set up aubmatic payments. Cal us at 1.809-347-2683. Yeu wi@ treed tiers statement and your bank accamt infat>miion. You mast ensure that sufidertt funds are availatrte in your banlt aarotmt and all «aiuac6orts must compty with U.S. law. You will be asked to provide the first 5 digits of your account statement zip code. By entering !hose numbers as your electronic signature, you call be agreeing to Ih s authorization to albw us and your bank to dedud each payment you authorize from yore bank accarni, and to initiate debit or credit entdrs b your bank armmt, as applicable: to coned an aria in the processing d such payment. You must lei us 0te amount d each payment, or you can sated an amotmt sudt as the Minimum Payment Due a the New Balance on each statement You can cancel a payment however we must receive notice at least itvee business days in advance of the scheduled payment You may notify us by phone at 1.800.347-2683 a by mail at the address listed in 0te previous pamgreph. If you payments may vary in arrtounl, we cad te1 you on eadt montldy staternertt when you payment wD be made and ttav much it vaik be. YourAttromatic payment amount may be less than indicated on the monOUy statement based on aedds a payments applied during the biting cyde. Credit Reporting. We may report intormatrorr apart your account b aedA bueaus. Late paymerns, rnrssed payments. a other defaults an your aCCOtmt may be refleded in your credo repot We normally report the status and payment hisrory of your Acwrnl to aerkt reporting agendas each montlt. If you believe that our report is inacaaate or ineanptete; please write us at the fdlcwing address: Discover, PO Box 1531G, Wlmington, DG 19650-5316. Please indude your name, address, home telephone number and Account number. PERIODIC FINANCE CHARGES. Periods finance Charges are imposed on ell transactions from the date the «ansadbn is posted to yourAccount unlfl the date you pay yon entae Haw Balance, by makatg payments a receiving aedls. However, if you paid the New Balance on year previous bXfing statement by the Payment Due Dale shown on that statement, and yar pay the New Haletxe try the Payment Due Date on your current boring statement, we wit rid impose Periodic finance Charges on rtew purctases, that is, purchases first appearatg , on the cunari statement. We txt8 this the grace period. Otherwise, you vrill receive a biting statement next month that includes Periodic Fnarae Charges on those new purchasers. 71mre is no grace period on halance trartsfers a cash adveraes_ We son you irarsadierrs into grwps of purclases,cash advances, and potence «artsfers end then hMher sat the tansadions wihar Bch grotpr by tl,ea Arsaral Percentage Rate. For example, purchases stbjed b a promotional rata and purdtases subject to a stardard rate would be separate groups. We refer b these groups as Irertsacfion cetegories. At the end of each bil'mg period, we mmpute balances and Paiodk Finance Charges to each day of the biting period (or each Uansadion category. We use the fallowing eyrration b compute Periodic Finance Charges to eadi Iransactian category: Average Oatly Hahrrce x number of days in the I>iuag period x Daly Periodic Rata. tYau may refer to the firtance charge summary on your baarg statement fa-!flare atnounls.l Then we add up the Periodic Finarxz Chagas !a eadt Uansadion Category ro gel 0te bpd Periodic Parente Charges for }roe Account. The Average Daly Bata ice is sM+»wt as zero 4, because of the grace period, no Perbrlic Fhance Charges apply to 0te balance in a «ansaction category. We use pre Average Daly HFl!anee frtludirtg now honsactions) metltod of caloulatirtg rite ba6vtce upon which we ingwsa Periodic Finance Charges. We cort4xrle the Average Oaily Halance fa each transecto: ~ ~.:!ogory by adding up all the deity balances in a bl6tg period fora «arisadion category and dividing the total by the nrantar of days in the biting cyde. We oomputelhe daffy batarae inr each trensidion cakgary an each day by frcst addng 0te bUowatg to Ute previous day s daffy balance: Uansadwns made Iha! day, tees charged that day and t~riodie Finance Chagas acaued on the previous days daily balance: and by then subtracting any aedas and paynxMS that are tippled aganst the balance d the transaction category on that day. In cekxrla6ng 0te daily balance fa the fast day of Ure biirtg period, we consider the previous day's balance" b have been your balance fw each «artsadion category on the Est day d your previous biting period. M e transaction is posted ro your Aocormt after the dose of the b1Mrg period in which h occur, we wit treat the transadion as hav- ing occurred on tfte fist day of the biiatg period n which a is posted b your Accarnt. All tees dtargad ro yar Aaaunt are added b the sWrtdard purchase transaction category with the exception d Cash Advance Tmnsac6at Fee Finance Charges which are added to 0te epplicabde cash edverlte transadion category a11d 8alartoe Transfer Transaction Fee Finances Charges which are added a the appkcable balance tranfer hartsaction category. When a special a Iransier rate expaes, we nave the unpaid balance d the balance transfer and the Balance Transfer TrarrsecGon Fee Finance Charges b the stendmd purdtase transaction category. However, if the sprsr,~ tale has been lerminaled under the DefauR Rate Plan, we leave the unpaid balance of the balance transfer end 0te Balance Transfer Trans- adwn Fee Fnartce Charges in the appfitxMe Iransadon category rxwl 0te special rate would have expaed. For TOD (7etecommun(catlons Dev(ce for the Deaf) assistance, please ca81.800.347.7449. Oiscover may monies andlor record tetepitone cats behveen you and Discover represenlafwes fa quality assurance purposes. The Discoverx' card is tsstad by Discover Hank, Member FOfC. O1TBK470 New Balance Minimum Payment Due ER Account Number ending in 9139 $12,28641 $242.00 DISCOV Enter Amours Enclosed Below Payment Due Date June 6, 2009 please make check payable to Discover Card or pay online ~ Discovercard.com. 11 SDSH6A01 0013642 KENNETH GENTRY 22 ASHBURG DR MECHANICSBURG PA 17050°8203 Address, e-mail or telephone change$ Print change in space above, or go to Discover.com. Print your e-mail address to receive important Account information and spacial offers. Text APP to DISCOV' to receive a link to our free mobile app and pay your bill in seconds from anywhere) PO BOX 71084 IIL,Jlrrrrr~lLrrlllrJrl CHARLOTTE NC 28272-1084 Irrlrll~rlrrrlrllrrrlr,Irlrr~llllrrrlrrlr~lrrlirrlr~lrrlrl~rll ODD00198645893295355312286410DDDDDDDD2420D Discover More Card Account Summary Closing Dade: May 11, 2009 pope 1 of 1 Account number ending in 9139 Previous Balance $12,295.78 Payment Due Dale June 6, 2009 Payments And Credits 250.00 Minimum Payment Due $242.00 Purchases + 35.00 Credit Limit $14,100.00 Cash Advances + 0.00 Credit Available $ I ,813.00 Balance Transfers + 0.00 Cash Credit Cimit $7,300.00 Finance Chargec + 205.63 Cash Credit Available $1,813.00 New Balance = $ i 2,286.41 Cashhack Bonus® Opening Cashback Bonus Balance $ 3.50 New Cashback Bonus This Period + 0.08 Cashback Bonus Balance $ 3.58 Cashback Bonus® Anniversary Month: October Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(Rj. How Can We Help You? I ~ Visit Discowrcam to pay your b~ for no cost, view your cam and redeem rewards and more latest Account informaton It's your choice - 3 ways to help , 2. Call 1.8oo.DISCOVER (347-2683) for Fast, easy selFservice options or to speak with a Customer Service Account Manager Please have your Dixover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) sse reverse side SaM lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Dixover Card with confidence. Trans. Post Dade Date Payments and Credits May 5 May 5 INTERNET PAYMENT • THANK YOU $ -250.00 Travel/Entertainment Apr 21 Apr 21 PTC EZ PASS AUTO RE HARRISBURG PA 35.00 Information For You Balance Transfer offer{s} for current bigirg period: Daily Periodic Rate: 0.01093%; corresponding ANNUAL PERCENTAGE RATE' 3.99% Finance Charge Summary Nominal Transaction Average Daily ANNUM. ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FWWCE Balances ~_ RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $12361.37 0.05545% 20.24% V 20.24% $205.63 $0 Cash Advances $0 0.06641% 24.24% V 24.24% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above - - ~..zr important Information. If there is more 0urr one pew to tlris hitirg statement ores the track of eadr page for additional knpodant informaGar. o See your CardmerrtlterAgreement. Your CardmemberAgreernertt rxalans apthe krms otyourAocourL Z Lost orstokn cards. Report immerreNeyl Calf 1.800.347.2883, o BiOirtg RigFtis Sttrrartary. In Case of Errors a tlttesfions About Your Bit: Nyar Ittkrk your bt3 a wrong, a it you need oars inktmratan about a trdrmadiar on your qll, wtiro to us on a O B 30421 le l ild yV f ft S k q UT 84 3 -0 h g , 421, as soon ore poss e. e must seperere street of paper at Discover, P ar a a e ty, 1 0 ear rom you ra later Oren 80 days a er we sent you the rust bip on wlidt the error a problem appeared. You can telepfarte us, but dwng sowr3 rat preserve your rghts. In you letter, give us the tollovrirtg information: ~ • Your name and Account number ro • The dolkr amount of the suspeded era. • Desaibe the errs and explain.l you aar4 why you befteve tltere is an scoot. 0 you need mac irbrnrafan, desafba the Dam You era urrsure about. ~ You do ref have b pay arty anaunt in gtxsstiat wtr8e we are investigalig,but you era salt obkpted ro pay the pads ~ }roar bra that are not in queston. While we investigate you question, we proof report you as delirrWtem arWke any action b tilled the amount you question. Spedal Ruk for Credh Card Purchases: If you leave a protiem wi0r 0ta girapty of goods a services Drat you purchased with a credit card, and you have tried in good Faith b cared the problem with the rrerdrant you may not have b pay the remeirirrg amount due on the goods or services. You have this protediort oily wtren the purchase price was mac than 550 and pre Purchase was made kf your fame state a wipWn 100 m8es of you mailig address. (0 we awn a operate 01e merchant, a'dwe coaled you the advertisement fa the goods a services, a8 purchases are covered regardless of 9re smarm a lepli¢n of pudrase.) Payments. Serd only your payment and the lop portion of Ihk slelerrem in the emrebpe provided. Do not send psfi. BY seaErg you dtedc as desalted above, you authorize us to use infamatiar al your check to rrmke an ekdronic fund transfer(tom your acooum al the firtarsial instiWtion indicated on your check a ro process the payment as a ctrectr transaction. it payment a processed as an etedronic ftmd transfer, tla transfer vAll be for the amount of the check. When we use information lean your check to make an electronic fund transfer, Funds may be witfrorewn from fmur account as soon as the same day we receive your payment, and you wiN not receive your check back From your financial irrstrtution. The processing of your payment may be delayed 8you sertd pstt, correspondence a dher Gems with your payment p yw send the payment to any other address a if you use an envebpe abet than the one provided. Payments received kr proper form at our prace~vsing facliy by 5PM bcat rime on arty day will be aerated ro yourAccaunt as of that day. Payments reaaved at our processirg faoiiy after SPM lawl ~ wip be ridded b youAceotad as M the rrext day I! you have misplaced your envekrpe, send your payment to Discover, PO Box 61113, Carol, Stream, IL 60797103. Please allow 7-f0 Sys to delivery, K you paymentts retuned ttnpaid, we reserve the right to resubmit it as an r9edronic delUt You can pay your minimum payment a a greakr amount over the kiephone, and you can set up automatic payments. Call us at 1.800.347.2683. You will need 1Ms stakment and your bards account information. You must ensure that sutrsiem Nrrds are ava8able in your bank accaum, and at trarrsxtions rrxrst compiy with U.S. law. You wip be asked to provide the rust 5 digits M your accotmt statement ZIP code. Sy entering Vasa nwMers as you electronic signature, you wip be a~eeing ro this atdhorizalion to aiaw us and your bank to dedud each payment you authorize from you bank aaotrnt and to inhiate debit a ae6t entrles to your bank account, as app8rable, ro coned an errs in the processing of such payment. You must tell us the amount of each payment or you can select an amourd such as the Minilram Payment Due a the New Balance an each shatemenl You can pncet a payment however we must receive notice at feast titres twskress days In advarrce of the scheduled payment. You may notiry us by phone at 100-347-2683 a by mail at the address listed in the previous paragraph.lt your payments vary in arrotsnt we wt3 rep you on each momhty statement when your payment wip be made ant taw much it vAp be. Your automatic payment amount may be less than axicated on the monOty shatemem based on ped'AS a payments applied dtxing the bilprtg cycle. Credit ReporBng. We may repel irfoRnetion abaR your aocamt b aedi bureaus. Late payments, missed payments, a other detatdts on your accotmt may be refieded in you credit report. We nomrapy raped the status ant payment history of your Amaum b aedi repor6rg agersies each montlr. If you believe that our report is inaccurate a incomplete, please write, us at the fdlowing address: Discover, PO Box 15316, Wilmington, DE 19850.5316. Please include your name, address, home telephone number and Account number, Grace Period on purchases {at least 25 days). YVe begin ro impose Peradk Finance Charges on all uansacliars from the Transadion Date for the transaction as shown on yow billing statement unless a iransadbn is posted to youAaount after rite dose d the bdfing period in whkh i! occurs, in which pse wt: begin b impose Periodic Finance Charges on that transaction from the test day of the fyalig paiodn which d is posted b your Accamt We contkure b impose Periods Fnarse Ctwrges until Ure date you pay your entire New Balance, fn' making paymens a receiving credds. However,lf you paid the New Balance on you previous blTkg stakrtrent by the Paymtorrt Due Date shown on that biting statement and you pay the New Balarse by the PaYrnertt Due Date on )roar parent burg statement we vrip rid Impose Periods Finarse Charges an new purchases, that is, purchases brat appearing on the aurent tilting stakmem. We sag tfris the grace putod.' There is no grace period on bManp Uanstas a sash advances. Minimum Finance Charge, We will charge you a mirdmlun FINANCE CHARGE of $.S01a any hipirg period in whkh Periodic Finance Charges of less than 5.50 would otherwise betmposed. Annual Fes. ByouACmtrm ties an annual fee, it wit be biped al the begiming oFeadt anrriversary year your Account is open. The amount of the lee appears on the staienrenl when the fee is triYed. The annual fee is not refundable unless you nobly us Omt you wish ro cross you Accamt wi9dn 30 days of the maiplg a dapvery dale of tfrs statement on vdudr the fee is baled. You wit receiue ttds refund even if you use you Card doing Thal period. Periorpc Finance Charges. We sort you trarwac6orts into groups of pudrases, psh advances, and balance transfers and then furthersoR the irarnsadions wibin each group try the'eAnnual Percentage Rate. Fa example, purchases subJed b a promotimal rate and purdrases subjed to a standard rate would be separato groups: We refer b diese groups as transaction cmegodes. At the end of each bltrtg period, we compute balances and Periodic F'marrce Charges tar each day rN the biping period for each iransadion category. We use the fdlowfng equation to compute Perioclc Finance Charges fa each transadion category: (Average Daly Balance) tines (days h biFrg period) titres (Daly Perbdk Rafe). (You may refer b the farar>ce drarge summary on your bYpng statemem fa these amourrLs.) Then we add tp Brie Periodic Fkigrce Charges rot each trarrsacibn ptegay to get the total Periodic Finance Charges for yourAtwounk The Average Daly Bafarse's sitovm as zero 9, bepll5e of the grace period, no Periodic Pittance Charges appy ro the balance in a trorrsadron category. We use theAverege Daffy Balance (indudag new hansactbns) method d pkulatiig the balance upon which we impose Perbdic finance Charges We canpute Ore Average Daly Balarse to each transadiat category by adding uD ap Ore daffy balances in a filling period fa a trareactiort phegory arx! dWdrg the total by the numta o(days let pre biting period. We compute the daily balance (a each transaction plegay on each day b1' first addig pre foltowirg o the prevous day a daffy bekrrce: trarsaclions vrilh a Transadfon Date of 0>at day as shown on ycnu tilting stakmant unless the Irer158di¢i1 is posted b yourAaourt alter the dose W the biting period h whkh fl occurs, in vArich pee the iransacliar wip be added to the daffy balarse as of the first day of rite Ming period in N$tich ft is posted b yourAocoum, teas charged That day and Periodic Flnance Charges accrued an the previous day's dory baance; and by then subtracting any credits and payments that are applied agalrtst the balance al tits Uartsaction category on Drat day. In calrufating the daffy baance fa the first day of Ne dpig period, we consider the'pre+dous days daffy balance` to have been your halarse fa each transaction category on the last day of your previous biping period. Ap lees charged b your Aaarnt are added to the standard purchase iransadian ptegay with the exception of CeahAdvarse Trarrsacloh fee Finarox Charges vfiich are added to the appUC~le psh advance transactiat cele9aY and 8alarrce Transfer Trensadion Fee Finarse Charges w4wch are added to the appticaMe balance transfer iransadkrr category. lMten the special cote ¢xpkes, we move the unpaid beknce of the balance iranskr acrd the Balarse Transfer Traru;aaion Fee Finance Charges fo the standard purchase rarsactian catagay. However, if Ore spedat rate ltas been terminated under Die Default Rate sedion, we leave Ore unpaid bakrse of pre balanp tramufer and the Balance 7tarrster Transadiar Fee Finance Charges in the app8pble balance transfer trarisac4on category anti the spadm role would have expired. For TDD (Telecommtuiications Device for the Dent) assistance, please call 1-800347.7449. Discover may mortitor andla record tekplarte tale between you acrd Discover representatives br qua8y assurance purposes The t)iswvel~'prd is issued by Discover Bank, Member FDIC. 01TBK17t New 8alanee ~~SCOVER Minimum Payment Due Account Number ending in 9139 $12,248.54 S241.oo Enter Amount Enclosed Below Payment Due Date $ ~-~~ July 6, 20Q9 pj~,~ eke check payable to Discover Cord or ~ D d poy online iscovercar .com. 11 SDSN6A01 0013643 KENNETH GENTRY Text APP to DISCOV" to receive a link to our freernoblleappandpayyourbillinseconds 22 ASHBURG DR from anywhere! MECHANICSBURG PA 17050-8203 PO BOX 71084 Illrrrll"rrrrllrrrlllsrlsl CHARLOTTE NC 28272-1084 Address, e-mail ortelephone changer! Print change In space (rr(r~~rr(rri(r(Irri(rrlr~ru~~l~ur~rr~rr~irl~rrlrr~rr~r~irl~ above, or go to Discover.com. Print your small addross to receive important Account information and special offers. 000001986458932953553122485400000000024100 Discover More Card Account Summary posing Date: June 11, 2009 page 1 of 1 Account number ending in 9139 Previous Balance $12,286.41 Payment Due Date July b, 2009 Payments And Credits - 250.00 Minimum Payment Due $241.00 Purchwses + 0.00 Credit limit $14,100.00 Cash Advances + 0.00 Credit Available $1,851.00 Balance Transfers + 0.00 Cash Credit limit $7,300.00 Financs Charges + 212.13 Cash Credk Available $1,851.00 New Balance $12,248.54 CCSI}I~aC1C Bonu$® Opening Cashback Bonus Balance $ 3.58 New Cashback Bonus Ibis Period + 0.00 Cashback Bonus Balance $ 3.58 Cashback Bonus® Anniversary Month: October Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R). `How Can We Help You? 1 ~ visit ()/scover.<om to pay your bbl for ao ro=t, view your latest Account information, cam and redeem rewards and more It's your choice - 3 ways to help 2. Call 1.800-DISCOVER (347-2683) fior fast, easy self•service Please have your Discover Card available. options or to speak with a Customer Service Account Manager For TDD assistance for hearin im fired see reverse side ( 9 ~ Pa ) 3. Write us at Discover Card, PO Box 30943, Sak Lake City, UT 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with confidence. Trans. Poi Dab Dab Payments and Credits Jun 6 Jun 6 INTERNET PAYMENT - THANK YCrll $ -250.00 Finance Charge Summary Average Daily Nominal Transaction ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FMIAWCE Balances Rates RATES RATES GES CHARGES current billing period: 31 days Purchases $12340.70 0.05545% 20.24% V 20.24% $212.13 $0 :Cash Advances $0 0.066419e 24.24% V 24.24% $0 $0 The rates that apply to your Account are either fixed (f) or they may vary (V) as noted above. ----~-~~r-- -...--z~ -s- kriportanf 1Mormation. Nthere is more Than one page to this bilirig slakYrmai, sae tlme Eck of 8edm page to adritiOnal irrmporlant irdamatiorm. ~ 0 See yotr CxdmemberpgreemenL Your CerdmemberAgreemant corttaiu afi the lama of your Account z Lost orstolen cards. Report imrnediatelyf Call1.80P3474683. m o Bitting Rights Summary. !rt Case or Errors a t'hrestiams About Yots t8db Nyou tlink your b7 is owdr~, err N you need rrore information about a Uarmsaciort on your b~, write to us on a o separate sheet of paper at Discover, PO Borr 30421, SaN Lake CNy, In 64130-0421, es soon as possible. We must hex iron you rmo later than 8l1 days afterwe sent you the fast bib on which the error a problem appeared. You can leteptmorme us, but doiig so wit rid preserve yams rights. In yottrr letter, lave ce the following infrmnation: °i rn • Yovr name and Acceutd number. ~ • The doWr amount of the aspeded error. • Describe tf>e errorand expl~n, N you can, why you believe there k an error. IF you need nrore information, describe the Bern you are unsure about You do not have to pay army anoint in gtreslion w4iie we are investigating, fwt you are sGi obtigaled b pay the pads of ywr Dit that are not in question. Wfvle we investigate your tftresGOn, we canna) report you as deiinquerd or fake any action to cdlett tlme arrwunt you question. Special Rule far Credit Card Purchases: If you have a problem with the quality of goods a services that you purchased wih a aedt card, and you have Usd b goal faith to cared time problem wish Ole merdiant, you may not have to pay the remaining armwuM due on the goods a Services. You have this protection only when the purchase price eras mare man $50 and the purcase was made in your home state a wiGin 100 mice at your mating addess. (ff we own a operate the merchant, a N we tttaded you the advertisement for the goods or services, al purchases xe covered regardless of the arnamt a location of purchase.) PayrneMS. Send ony your payment and iha top portion of this statement in the enveope provided. Do slot send cash. By sending your dmedt as descrited above, you authorize us to use irifommation on your cimecic to make af, elechonic fund Vaurster from yofx account ai the fmandal instiwtbn indicated on your check a b process the payment as a dteck transaction. N payment is prorxassed as an eledronic land transfer, the transfer vn11 be for the amotsri of the check. When rve use information from your check to make an eEedrons turd vansfer, funds maybe wiihdravm Uom your account as soon as the same day we receive ycvr payment, and you wii not receive your check hack Uan your financial institution. The processing of your payment may be delayed d you send cash, correspondence a other items with your payment, it you send the payment to any other address a if you use an enveope other Aan Gre one provided. Payments received it proper form al our pror~ssmg tadrrry by SPM local time on any day wiN ba Cradled to yourAccounl as of that day Payments received x our processing taoiiy after 5PM beat time wiB be credAed to yourAccount as of the rmexl day. If you have mis{ieced y~aa envelope, send yar payment to Discover, PO Boz 6103, Carol, SUeam, IL 60197f 103. Please allpv 7-10 days br delivery. If your payment is retuned unpaid, we reserve the right to restmlxni i as an electram~c debit. You can pay your minimum payment a a greater amoumi over the telephone, and you can eel up automatic payrneris. Call us at 1.800347-2683. You wU rmeed This statemer4 artd your bank account information. You must ensure that srAficient funds are avaiahle in your bank account, and ai traruactions musk carry with V.S. law. You wkl be asked to provide the fast 5 digits of your account statement ZtP code. 8y entering dose ntnnbers as your electronic signalwe, you wiq be agreeing io this auttrorizaiam la slow us and your bank to deduct each payment you aulhodze from your bank account, and to initiate debit or credit entries to your bank account, as applicable, to rowed an errs in the processing of such payment You must left us the amount of each payrmrenl or you can select an amount such as the Mimknum Payment Due or the New Balance on each shatertment. You can cancel a payment; however we must reserve notice at least three business days kr advance of the scheduled payment. You may raf4y us by phone al 1300-347.2683 or by mail at the address listed in the previous parag2ph. If your payments vary in arrxxmt, we wii tell you on each monGiy statement when your payrrment wll be made and how much ft wiA be. Your automatic payment amount may be less Alan indipted on the rnonthty statement based on aed"as apaymenls applied during the dllimgcycle. - Gedit Reporting. We may report inbnnation about your aaotatt b credit btaeatms. Late payrneMs, missed payments, a dhet detau8s an yota aoroum may be refleded in lrour credit repan. We rronnatly repel the status and payment history of your Aceaml to rredG reporting organelle each month. N you believe That our report is inacaaafe a incompkle, please write us at the following address Discover PO box 15316, Wilmington, DE 19850-5376. Please ardude your name, address, home telephone number and Adcounl number. Grace Period on Purchases (at least 25 days). We begun to impose Periodic Finance Charges on all transadbns from the Transac:ion Date for Gne Transaction as shown on your biting statement, unless a transaction is posted to yourAccotxtlafter the dose of the biting period m tvticfm it occurs, in which case we begin to krone Periodic Finance Charges on that. aansactbn from the fret day of the biAing period in which h s posted to yourAocarnt. We contlnue to ipose Periods Finance Charges unGE Ate date you pay your entire New Balance, by nmalcing payments err receiving credits. Havener, N you paid the New Bafarmp on your previous luting stalemerd by the Payment Due Date shown on that biting stalermtenl and you pay ' rst appearing on the the f4ew.8alanp by the Payment Due Date an your arrrent biting statement, we wii not impose Pedodtc Finance Charges an new pucchases, Omar is, purdmses 1 cunent hkting sla~ment. We call ih'a Gte "grace penod.° Tfmere is ra grace period on balance transfers a cash advances. Minimum Finarmce Charge. We writ charge you a rnirimum FINANCE CHARGE M 5.50 for ~Y Ming period in wlidm Perods Ffrmarice Charges at bss than $.50 would oGienvise be inmpesed. Annual Fee. N yourAccamnt has an amwal fee, N wit be bated et the begirrnirxj of each anriversary yex yrwrAccount is open. The amount of the fee appears on the statement when the tae is baled. The annual tee a not returdabb useless you notify us that you wish b ckzse your AcrouM wiGiir 30 days of ttre mating a delivery dale d the statement on whch the fee is biked. You will receive Ws retard ever N you use your Card during that perod. Periodic Fnance Charges. Wr son your transadions into groups of purdhases, cash advances, and balance Iransters and then further sort the UansacGais within each group by t'neUAnnual Percentage Rats. Fa example, purchases wbjed to a pramdlbnal rate ant purchases wbjectla a standard rate would be separate groups. We refer le these yroups as Vansaabn cMegories. At the aid of eadi DfJirg period, we compute ba4vtcea and Perbdfe Finance Charges for each day of the Ming period for each transaction category. We use the fdtowing equation to tbmpute Periods Fi,arice (xrarges for each Uansactiam ptegay: (Average Daly Balance) Imes {days s biiirig period) tines (Daffy Pedodic Rate) {You may refs Lo the Terence charge summary on your baling statement fa these amamrmis.) Then the add up the Periods Finance Charges for each Varcadion category to get the total Periods Fnance Charges br your Acatrnl. TheAverage Gaily Balance is shown ~ zero iF, becmnse of the grace perod, no Periodic finance Charges appty to the balance b a Uansadton catagay. We tree Ire Average Daffy Bak+nce (including new Uansactiorms) method of caUadaGng the balance upon whsh we arose Pedodic Finance Charges. We canpute the Average Daily Balance fa eadm transaction category by addhg W ai the daffy balances in a biting perod fa a Uansadion category and dividng the total by the numberof days in time baling period. We compute the daffy balance fOr each Irdnsadiat ptegory On each day by first adding the foiowitg fo the previous dad's r~iy balarmce: transactions wih a Transaction Date of [hat day as stwwn on your MNnQ statanerml, unless tie Uarmsaction is posted to yawACCOUnt after the dose d the bilfing perod in whidm N aaurs, in which pee the transaction wit be added to the daffy balance as of the first day d One baling period in which i is posted to your Account, fees charged tlral day and Perio6c Finance Charges accrued on tie previous day's da4y babnp; and by Glen sublracGng any credits and payments 8mel are appied against Use baharrp d the transaction category on Gist day. In calwla6rx,} the daffy balance (or the first day of the Ming period, we consider tho'previous day's daffy balance" to have been your balance fa each transad(on ptegory on the last day of your previous biting perod. Ai fees charged b yourAOCOUnt are added io tie standard purchase VanSacibn category with the exception of Cash Advance Transaction Fee Fkmanp Charges Whsh are added b the' applicable cash advance transaction category and 8eknce Traneier Transaction Fee finance Charges whsh are added to the appfiralie balara:e transfer lransacGon ptegory. When ' the spedel rate expires, we mono the unpaid balance of the balance uansier and the Balance Trenskr Tmrssaction Fee Finance Charges b Gte standaM purchase transactron ptegory. However, N the spmuaal rate has been terminated under the DefauN Rale radian, we leave Rte unpaid balance of the balance Iransfa and the Balance Transfer Trensadbn fee Finance Charges in the appAcabk batarmoe transfer Uarrsediam p1e9aY unW the spedel rate would have expired. For TDD (TeteeommunkaNons Daviee la the Doaff assistance, please call 1.800.347.7449. Discovermay nmatibr andfar record telephone ptls between you and Discover representatives faquality assrrancepurposes. The DiscoveF card is issued try Discover Bank, Member FDIC. 01 TBK171 New Balance VER lSC Minimum payment Due Account Number ending in 9139 $12,324.66 D ~ $342.00 Enter Amount Enclosed Bebw payment Due Dote August 6, 2009 please make check payable to Discover Card or pay online ~ Diseovercard.com. 11 SDSN6A01 0013644 KENNETH GENTRY Text APP to DISCOV• to recelve a Ilnk to our free mobile app and pay your hill in seconds 22 ASHBURG DR from anywherel MECHANICSBdRG PA 17050-8203 po BOX 7x084 IllrrrlLrrrrr[Irrr{ILrld CHARLOTTE NC 28272-1084 Address,e•mailortelephoneehangeBPrintchangeinspace ~,~~~~lu~~ulrllu~lii~rlrull~~nrluln~ullulnlnlrlul~ above, or go ro Discover.com. Print your email address ro receive important Account information and special offers. D000019864589329535531232466DODDOOODD34200 Discover More Card Account Summary dosing Date: July 11, 2009 page 1 of 1 Account number ending in 9139 Previous Balance $12,248.54 Payment Due Date August b, 2009 Payments And Credits - 250.00 Minimum Payment Due $342.00 Purchases + 39.00 Credit limit $14,100.00 Cash Advances + 0.00 Credit Available $1,775.00 Balance Transfers + 0.00 Cash Credit limiF $7,300.00 Finance Charges _ + _ 287.12 Cash Credit Available $1,775.00 New Balance = 312,324.66 Cashback Bonus® Opening Cashback Bonus Balance $ 3.58 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance 3 3.58 Cashbaik Bonus® Anniversary ................. Month: October Keep building your rewards with every purchase. Start redeeming once you re«h $20 Cashback Bonus(Rl. ~ How Can We Help You . 1, Visit Discovorcom ro pay your 68 for no cost, view your latest Account information, earn and rodeem rewards and more s to hel It's our choice - 3 wa 2. Call 1.8oo•DISCOVER (347.2683) For fast, easy selfaervice y 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 TDD (assistance for hearing impaired) see reverse side 5ait Lake City, UT 84 i 30 Transactions $0 Fraud Liabiliy Guarantee Use your Discover Card with confidence. Trans. Post Date Dab Payments and Credits Jul 10 Jul 10 INTERNET PAYMENT • THANK YOU $ -250.00 Olhx/Miscallmreous Jul 7 Jvf 7 LATE FEE 39.00 Finance Charge Summary Nominal Transaction Average Deify ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FIN/WCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 30 days Purchases $12370.28 0.07737% 28.24% V 28.249'0 $287. i 2 $0 Cash Advances $0 0.08216% 29.999'. V 29.99% $0 $0 The raFas that apply ro your Account are either fixed (F) or they may vary (V) as noted above. y Important IrtfortnaOon. !f Otero is more Ihan ate page ro Otis bafatg statement see the bade of each page tar additi«tal imp«lartt ktfamaOon fl See your CaMnternber Agreement Your CardmantberAgreantertt conlakts as the terms of yotr AurAtutt z Lost or stolen cards. Report immediately! Call 1.800347.21183, m o Balling Rights Srrnrnary. N Casa of Errors a Quesaions About Yotu Bit: Et you Otirdc you br'! is wrong, a if you treed more infamaOat about a transadbn on your bill, write b us on d c separate sheet of paper at Discover, PO Box 30427, Salt Lake Gty, lJT &113x4421, as soon as passiNe. We rmrst tree hen you m later Oran 60 days after we cant you NB fast bit an g wlpdt the error a problem appeared. Yau can telepttate p, but ddng so wia rat preserve your righk. trs your leper. give us the idlavirtg iMamlation: ~', • Ywrname andAcoaml number A A • The dollar amOtalt Of Ifte SUSpeded ens. • Desar'be the erta and exaatn. O you cart. why you beieve Otero is an error, O you need more inlormatn>n, destxlbe Ore Oem yar are urtsure abort `1 You do rat have b pay arty amamt in questlat whoa vve are investigating, but you are stet obligated to pay the pads of your roA that era not in question. Whore we ktvesfigate your question, we cantor repot you as delktquem a take any atdiort to cdbd the amount you question. Speaal Rule for Credit Card Pwchases: If you Have a problem wi0t the quakty of goods a services that you purohased wiN a areal mM, and you have tried in good faith ro tarred the problem with the mechant, you may rat have ro pay the remairing arrtaunt due on the goods ar services. You have Nis protedion Doty when the purchase price was more Otan $50 and Ote ptudtese was made in your home state a vri0tin 100 moos of you mooing address. (If we owm «operete the merchant, «if ve mailed yrou lha advertisanent for the goods or services, adl purchases are covered regardless of the amount a bcation of ptuchase.) Payments. Setld only your payment and the top portion of Nis slatetnenl in the envelope provided. Do not send cash. By sending your check as descdhed above, you audarize us b use information on yolr check ro make an electronk fund transfer ban your account at the firandal inslOuOon irdicated an y,>ur dteclt a ro process Ne payment as a check trartsac0on. tf payment is processed as an eledrorrc hod transfer, the frontlet wia be i« Ne amount of the check. When we use ktformatian from your check to make an electronic fund transfer, funds may be vdtMrawn from your account as soon as the same day we receive you payment, and you will not receNe your check back from your financial ins5tution. The processing of ywr payment may ce delayed 4 you send cash, correspondence «other items wah your payment, a you send the payment to any other addressor if you use an emelopa other Nan Ne one provided. Payments received trr proper roan at our processing facilAy by SPM lotxl sme an any day will be creased ro you Accent as of That day. Payments received al our processing fadkty after 5PM brat 6rtte wit be credaed to yon Account as of the next day. if you have tntsfraced your envek>ne, send your payment Iq Discover, PO Boz 6103, Card, Sueam, IL 601971103. Please abtwr 1-10 days for delivery. If you payment is relumed unpaid, we reserve the riyhl to resubrtit it as an electronic debit. You can pay your mktimtxn payment or a greateram«vtt over the telephone, and you can set up automatic payments. Call us al i-800-347-2683. You win need tlrs statement and your bank account information. You must ensure that sufficient funds are available in your bank account, and as ransadiens must comply wiN U.S. law. Yau wia be asked to provide the fast 5 r5gils of you acwurtt statement ZIP code. By entering Nose numbers as your electronic signature, you wit be a~eeing to Ors authai¢ation la allay us and your bank ro dedud each payment you euOtarize from you flank acmtatt, and to itrtiate debit or aedit entries to your bank account, as applicable, to cared an ens m the pracessng of such payment. You must tell us the amount of each payment or you can select an artrotart such as Ne Minimum Payment Due or the New Balance on each sbtemeM. You can carnet a payment; however we must receive no[ke at least three business days in advance of the sdtedrded payment Yau may notify us by phone al 1.800-347-2fi83 a by max at Ote address fisted in the previous paragraph n your payments vary iA amount, we wit ten you an each ntorxhty statement wftan your paymentvrill tre made and taw much it wal be. Your automatic payment arraum may be less than indicated on the ntailty statement based on credits a payments appled during Ote biging cycle. Credit Reporting. We may copal inkrtrtatien about yar aaeunt to aedd bureaus. Late paymdds, missed payments, a outer defatlls an your account maybe reflected in your tread report. We norma8y repor€ the status and payment h~tay of yourArxotnt to credit reposing agendas each match. If you believe stet our report is inaccurate or etcanpla[e, please wrae us at the following address: Diswver, PO Box 75316. Wrmington, DE 1985x5316. Please indude your name, address, home telephone number and Account number. Grace Period on Purchases (at least 25 days). We begin to impose Pedaic Fnance Charges on all transactions Fran the Transaction Date for the transaction as shown on you r baling statemetk unless a transaction is posted ro you Account alter Ne close o! the hitting period r whial i[occurs, (nwtrth case vre begin ro irr4ase Periodic Fnance Charges on Utat uansaclart from Ote fust day of the balutg period in h4rd[ a s posted ro your Accourd. We canOnue ro impose Periodic Pittance Charges undl Ne date you pay yarn entire New Balance, by making payments a receiving crerkts. Fbwever, if you paid the New Balance on your previous balktg stalemeM by the Payment Due Dato shown on that hr~tg statement ant Yce PaY the New Balance by the Paymem Due Date on your current biting statement, we w01 rat mpase Periotk'c Fnance Charges on new padtases, that is, Purchases fast appeadng ort the current bBkg StalemanL tNe p0 Oda the'grep period." There is no grace period on balance boosters a txNt advances. Minimum Finance Charge. We wfi charge you a mirrmum FINANCE CHARGE of 5.50 fa any baling period in which Periods Fbrance Charges o1 leas than $.50 aauld o0terwise be imposed. Annual Fee. If your Aa:ounE has an annual fee, 8 will be baled at the beginning of each anniversary year yourAtcount a spat. The amount of the fee appears on the statemanl when Itte lee is baled. The anntr~ fee is not refundable unless you notify us that you wish ro dace yourAxount wither 30 days of the mailing a delivery date of the statemrnt on which the fee a tiled. Yau will receive this refund even it you use your Card during that peaiod. Periodic Fnartee Charges. We sort your trartsadrons into groups of purchases, rash advances, and balance transfers and Oten further sort the IransarYiats within each group by theirAnnual Percentage Rale. Fa example, pucfases sut>iect to a promodonal rate and purchases sut>fed to a slarMard rate would be sepamle groups. We refer to these props as trerxvaction ptegories. At the end of eadt biYrg period, we comlwte balances and Periodic Finertoe Charges f« each day of the Ming period for each transaction category We use Ne fdlowmg equation ro compute Perbdro Finance Charges for each transadxa category: {Average Daay Balance} arras (days m ~n9 period} limes (Daly PeriorAc Rate} {You may refer to the finance charge sumrrtary on y«x G1kng sutemem fa these anwunts.) That we add uP the Periodic Finance Charges fa eadt trartsatdiort plegory to get the total Periodic Finance Charges far your Account. The Average Daay Balance is shown es zero iF, because of the grata period, no Periakc Fnance Charges aptly ro the balance ut a trartsadion category. We use the Average Deity Bafartp [ndudirg new transacions} method of plalatktg the balance upon wttich we impose Periods Fatancz Charges. We compute Ne Average Dairy Balance fa each transacOon ealegory by adding up as the daay balances in a Nafng period for a transaction category and divking Ne total by Ote number d days in the bipktg period. We compute the daay balance for each hansaction pfegOry an eacfi day by lrst adding the idbw4ng to the previous day's daay balance: Uansac5arts vn1h a Trensadian Date of Nal day as shovm on your Ming statement, unless the transaction is posted to yauAocottnl after the dose of the bating period et wMdt 8 occurs, in which case the trensactiat wiN be added to the daay balance as aT the first day of the bafstg perfod'm wdrdt a is pasted to your Acooun4 fees nitarged Oral day and Periodic Fnarae Charges accrued on the previous day's dairy balance; and by then subBacting any aedAs and payments that are applied against the balance of the transadiat ra[egory on That day. In calculating the daay balance for the first day of the bMktg period, we consider Ilte'prevaus days daly balance' b have been your balance for each lrensac6at category on the last day of your previous bil'ng period. AIt fees charged to yourAooount ere added to the startdaM purchase trartsacJfon category wrttt Ne exceptbn of Cesh Advance Transaction Fee Fnance Charges whkdt are added ro the applcable cash advance Uaneadfon Categt)ry and BalarlCe Transfer Transadiort fee Finance s w41td1 am added to the appnwble balance transfer transaction category. When Ore spatial rate expires, we move Ne tnpaid balance of the balance hartsier and ttte Balance Transfer Transadtion Fee Fresco Charges to Ne slartdard ptlydtase transactlon category. Novreva, if Ne speaat rate has been terminated trader Ote Dahill Rate section, we leave Ote unpaid balance of the b[tlenoe trerrefer aryl Ote Balance hamster Transaction Fee Potence Charges in the applicable balance transfer trensaution casegoy was Ne special rata vvorid have expired. For T0D (Telecommtutications Device for the Deaf} assistance, please pll 1.800.347.7449. Discover may monitor artdlor cooed lektphone pee beNreen you ar:d Discover representaOves br quality assaartce purposes. the Oiscavers t:ard to Issued by IAswver Bank, Manus FDiC. 01 TBl<17t New Balance Minimum Payment Due DISCOVER x12,393.23 s372.00 Payment Due Date SspMmbsr 15, 2009 2Q SOSN6A01 0013645 KENNETH GENTRY 22 ASHBURG DR NECHANICSBURG PA 17050-8203 Account Number endir~q in 9139 Enter Amount Enclosed Bebw ~~ Please make check payable to Discover Card ar pay online ~ Discovercard.com. Text APP to DISCOV' to receive a link to our free mobile epp and pay your bill in seconds from anywhere) PO BOX 71084 IIInrllnnrlrlllrulnlr CHARLOTTE NC 28272-1084 Address, email ortelaphons change8 Print change in space Irilrllulrrilrllrrrlulrlrirllllrri~rrlrrlrtl~irlrrlnlr~irll above, or go to Discover.com. Print your email address to receive important Account infarmation and special offers. 0000019864589329S3S53123932300000000037200 .~.... Discover More Card Account Summary Closing Date: August 20, 2009 page 1 of 1 Account number ending in 9139 Previous Balance $12,324.66 Payment Due Date September 15, 2009 Payments And Credits - 350.00 Minimum Payment Due 5372.00 Purchases + 35.00 Credit Limit $14,100.00 Cash Advances + 0.00 CreditAvaibble $1,706.00 Balance Transfers + 0.00 Cash Credit Limit $7,300.00 Finance Cho s + 383.57 Cash Credit Available $1,706.00 New Balance = 12,393.23 Casfiback Bonus® Cashback Bonus® Anniversary Month: October Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus{R). How Can We Help You? It's your choice - 3 ways to help Please have your Discover Card available. For 7DD (assistance for hearing impaired) see reverse side Opening Cashback Bonus Balance $ 3.58 New Cashback Bonus This Period + 0.08 Cashback Bonus Balance ~ 3.86 1. Visit Discavar.wm to pay your bill for no cost, view ur latest Account inFormation, earn and rodeem reward and more 2. Call 1-800•DISCOVER {347-2683) for fast, easy selfservice options ar to speak with a Customer Service Account Manager 3. Write us at Discover Card, PO Box 30943, Sah Lake City, U7 84130 Transactions $0 Ruud Uability Guarantee Use your Discover Card with confidence. Trans. Post date Date Payments and Credits Aug 7 Aug 7 INTERNET PAYMENT -THANK YQU ~ 350,00 Travel/Entertainment Aug T 6 Aug 16 PTC EZ PASS AUTO RE HARRISBURG PA 35.00 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FINANCE FNANCE Balances Rates RATES - RATES t7}fpRGES C1IARGES current billing period: 40 days Purchases $12393.70 0.07737% 28.24% V 28.24% $383.57 $0 Cash Advances $0 0.08216% 29.999e V 29.99% SO $0 The rates that apply to your Account are either fixed lF) ar they moy vary Nj as noted above. anportant Inforrnatlon. N there's more man one Page to this b s~temenL see the back death page fa additiortel important mfamalbrt. y O See your CardmemberAgreement Your CardmemberA~eemenl comains aN the terms of yourAccbtrtt. Lost or stolen cards. Report immedlatey! Ca111•S~•347-2689. o Billing Righh Summary. to Case d Errors a Question About Your Bit: N you thktk your hit a wrong, a if you treed rose intanratbn atxwl a tranaction on your b01, write to us on a J° separate street d paper at Discover PO Box 30421, Salt Lake Cay, UT 84130-0421, as soon as poss~fe. We must treat from you no later titan 80 days aNer we sent you the first b1T on o vfiich the error a prodem appeared. Yau can telephone us, but doing so will not preserve your dAtas. kt your le0er, give us the fotkwditg infama0on: ~ • Your name aril Atcdrnt rktmber. N • The dolor amoum tithe stspecled errs. • Describe me error and expldn. it you can, why you believe there a an error N you need mac infortrretion, desabe the tern you are unsure about ~ Yau do rat have b pay any amount ro question vfiNe we are imres0gatng, but you are sh71 obligated to pay me pads d your bNl that are not in question. While we investigate your question, we cartrrot report you as deirprtent a haste arty artist b calleU the amount you question. Special Rute fa Credit Card Pwchases: N you have a problem with the qua5ty d goods a services mat yaf pwchased wAh a aedN card, and you have tried in good faim b correct the problem vrim tlta merchant, you ntay rat have to pay the rerr>eittrrg amount due on the goods a servces. You have 87is protec6ott only when the purchase price was more than 550 and ate W rdtase was made ro Your tame shale or wimsr 1110 miles of your mating address. (N we own a operate the rnerdtant, a'd we mailed you the advertisement to the goods or services, aN purcrases are covered reganlless d the amoum or bcadan of purchase.) Payments. Send only yore payment and the top potion of tHS statrtrrtent in tfte envelope provided. Do not send cash. By sending your check as described above, ya authorize us to use infamatlwt m your check to make an electronic toss transfer from your account at the financial intkulbn indicated on yaw chedr or ro process the paymed as a cNteck transaction. If payment is processed as an electronic kmd transfer, the transfer wNl be for the arraunt d the check. When we use iniamation from your check to make an electronic fund tlansf¢r, funds may be vnthdrawn from your account as soon as the same day we receive your payment. and you will rd receive your check back from your financial institution. The processing of your payment may be delayed N you send cash, correspondence or other Nems with your payment, if you send the payment to any other address a if you use an envelope other Than the one provrtled. Payments receved pt proper form al ow processing faciNy by 5PM bcM time on any day will be credited b your Account as of that day. Payments received at our proc¢ssatg fadiy aNer SPfut brat time wiN be aediled b yourAccounl as of the next day. If you have misplaced yow envelope, said yow payment b Discover. PO Box fi 103, Care, Stream, IL 60197b103. Please allow 7-10 days for delivery. If your payment is returned unpaW, vac reserve the right to resubmN d as an electronic debit. You can pay your minimum payment a a greater amaett over the telephone, and ymr ran set up automatic payments. Carl us at 1.800.347-2083. You will need this statement and your bank account inkrrmatlon, You must ensure that suNaient fords are avatlable in your bank account, antl all IrersaGions must aompy with U.S. law. You will be asked to lxovide the lust 5 digits a(your account statement ZIP code. By entering Ihose numbers as your electronic signature, you will be agreeing to this authorization ro allow us and yow bank to deduU each payment you authorize from your bank account and to inihate debit or credit entries to your bank account as appicable, a coned an error in the processing of such payment. You must tell us the amount d each payment or you can select an amount such as the Minimum Payment Due or the New Balance an each statement. You can cancel a payment; however we must receive notice al I~st tutee business days in advance of the scheduled payment. Yau may rtotity us by phone at t-800-,947-2683 or by maN at the address ksted in the previous paragraph. If your payments vary in amount, we wNl tell you on each monody statement wrier your payment wtll be made and how much it vill be. Your automatic payment amount may he tens titan indicated on the nanlMy statement based on credits a payments applied durkg the biting cycle. CredN Repor3ng. We may repot informarian about yow accamt to credit bueaus Late payments, missed payrrrertts, ordher detauks on your account may be re0ected in your aedN report. We ramtalh/ report the status ant paymerd history of yow ACCOra77 b aedd reporting agenaes each month, if you beieve That ow report is inaccurate a incomplete, please wrke us at the following address: Discover, PO Box 15316, Wilmington. DE 19850.5316. Please include your name, address, tame telephone number ardAaount number. Grace Period on Purchases (at least 25 days). We begin to impose Periodic Finance Charges on all transactions from the Transaction Date fa the uansaction as shovrn on your bNting statement unless a tansacion a posted b your Account abet the dose of the bA(ing period in which d occurs, in which rase we begin to impose Periodic Finance Charges on That tranaGion from the fxst day of tfte biwig period in whidt A is pasted b yow Account We continue b impose Periodic Penance Charges unity the date you pay yow entire New 8abnce, by making payments a recdvirg credds. However, N you pa6d the New Balance an yow previous biting statement by the Payment Due Date storm on that bdGng statement and you pay the New Balance by the Payment Due Date an yow aareM bdirg statement, we wit not impose Periotlic France Charges on new purchases, that a, purchases Arst appearing on the cumenl bring statement We calf Otis the'grace period ` There a ra grace period on babrae transfers a rash advarxes. Minimum Finance Charge. We vriN charge you 0 minimum FINANCE CHARGE of 5.50 for any ruling period n which Periodic Finance Charges of less Ihen 5.50 would Gherwise beimposed. Annual Fee. if your Account has an annual fee, d wi be bided at the beginrim9 d each amiversery year your Account's open. The amount of the fee appears on the statement vAten the fee ~ bled. The annual Fee a not re(urdabie rntless you edify us chat you wait la dose yourAcooiatt within 30 days d the mailing a delivery date d the statement on vdutich the tee is bided. You witl receive the refund even N you use you Card dtxing that period. Periodic Finance Charges. We sat your transactions into groups d pucchases, cash advances, and balarae transfers and then further sat ria Irensactiorrs wiNhn each group by IheirNnnuaf Percentage ie<rk:. Fw eiarnple, purchases SUttjeel to a promotional rate and purchases subject to a standard rate rmuld be separate groups. We refer to mere yroups as trersadiat categories. At the aid of each biilty period, we corrgxde balaraes and Periodic Finance Charges for each day of the billing period fa each transacion category. We use me following equation to caryxae Periodic FinartCe Charges fa each uansadan category: (Average Daly Balance) times (days in lii~rg period) times (Daily Periodic Rare] (You may rata to the fatance dtarge summary on your tplfatg sdalemeN for these amounts.) Then we add up the Periodic Finance Charges to each Uarsacliort category io get the total Periodic France Charges fa your Account. The Average Daily Balance is shown as zero IL because of the grace period, no Periodic finance Charges appy to the balance in a vanactbn category. We use the Average Daly Balance (including raw transactions) me0rod d calculating tine balance upon which we impose Periodic Finance Charges. We compute Ore Average Daily Balance Ta each transaction category by adding up ai the daNy balarrces in a biting period for a Uarsactirn category and dwidrg the total by the number oI days in the biting period. We carrputa the daily balance rot each trar7sadi0n caegory on each day by first addkg the taioweag b the previous dayrs daffy balance: transactors wim a Tr&rsactiat Dete of mat day as sham on yore tx74rg Uatement urAttss rite Uansarkon is posted to yar Arxoum after the dose of me biting period in which N occurs, n vrfiich rase the transaction will be added to the dairy balance as of the t rst day d the biNeg period in vAtidt it a posted b yowAccrounl, fees charged that day and Perrodic Finarae Charges accrued on the previous day's daffy balarae; and by then subtracting any credits ant paymeras That are appied against me balance d the tansacion category on that day. In calctrsaung the daily balance for the first day of the t>ding period, we carrsider Ihe'previous days daffy belortce'to have been yow balance fa each tmnaclian category on the last day of your previous biting period. AN fees dtarged b yourAccottnt are added to the standard puchase bansacthrr category wilt fie exception d Caslt Advance Trarsadion fee France Charges wttktt am added to the applicable cesh advance tansacion category end Balance Transfer Transaction Fee Firence Charges which are addetl to the appicabte balance trensfer transaction ptegory. When the special rate expires, we move rife unpaid balance of the balance transfer anti the Balance Transfer Transaction Fee Finance Charges a the slartdard purdrase iranactbn category. However, N me spatial rata has been temikrated order the Defetit Rate section, we leave the unpaid balance d me balance transfer and the 8alarioa Transfer Transadan Fee Finance Charges io the applicabe balance transfer transaction category wdN me dal rate would have expired. For TDD (Telecommunkatlons Device for the Deaq assistance, please call 1.800-347-7449 Oaoover may ntarliktr andla record telephone calls behveen you and Discover representatives fa qua6y assurance purposes. The Discovery card a issued by Discover Bank, Member FDiC. O1TBK171 New Balance Minimum Payment Due D1SC~VER Account Number ending In 9139 $12,316.04 $313.00 Enter Amount Enclosed Below Payment Due Date $ October 15, 2009 please make check payable to Discover Card or pay online ~ Dixovercard.com. 20 SDSN6A01 0013646 KENNETH GENTRY 22 ASHBURG DR M~CNANTCSBURG PA 17050-8203 Address, email or telephone changeZ Print change in space above, or go to Dixover.com. Print your email address to receive important Account information and spacial offers. Tent APP to DISCOV' to reoelve a Ilnk to our tree mobile app and pay your blll in seconds from anywiieret PO BOX 71084 Illurllnnrlrlllurlnlrl CHARLOTTE NC 28272-1084 lu~rllulnrlillnr{nlrlrrrllllurlulnlullrrlnlulrluli 0000019g6458932953553123160400000000031300 Discover More Card Account Summary Cbsing Date: September 20, 2009 page l of 1 Account number ending in 9139 Previous Balonee $12,393.23 Payment Due Date October 15, 2009 Poyments And Credits - 375.00 Minimum Payment Due $313.00 Purchases + 0,00 Credit limit 100.00 $14 Cosh Advances + 0.00 Credit Avaik~ble , $1,783.00 Balance Transfers + 0.00 Cash Credit Limit $7,300.00 Forance Charges + 297.81 Cash Credit Available $1,783,00 New Balance $12,316.04 Cashback Bonus® Opening Cashback Bonus Balance $ 3.66 New Cashback Bonus Tfiis Period + 0.00 Cashback Bonus Balance $ 3.b6 Cashback Bonus® Anniversary Month: October Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R}. How Can We Help You? 1. Visit Discover.eom to a our b~) for no cost view your latest Account inFormationyeam and redeem rewards and more It`s your choice - 3 ways to help 2. Call 1-800-DISCOVER 1347.2683) For fast, easy selFservi<e options or to speak with a Customer Service Account Manager Please have your Discover Card avaikable. 3. Write us at Discover Card, PO Box 30943, For TDD lassistance for hearing impaired) see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud liability Guarantee Use your Dixover Card with confidence. Trans. Post Date Daro payments and Credits Sep 11 Sep 11 INTERNET PAYMENT -THANK YOU $ -375.00 Finance Charge Summary Nominal 3ransaction D ~e P m ANNUAL ANNUAL Periodic Fee aily er lc PERCENTAGE PERCF~ITAGE FMANCE FWANCE Balances Rates RATES RATES CHARGES ~A.B+~ current billing period: 31 days Purchases $12416.75 0.07737% 28.24% V 28.24% $297.81 $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 1V) as noted obove. Important Information. H these is mesa than arts page b this statement see Ua badt of each page iwadditiortai important information. o See your Cardmember Agreement. Ycur CardmemberAgreemed contains a6 the terms of your Account z lost or stolen cards. Repot;rrrtedatdy! tali 1~00.34T-2683. m o Billing RigMa Summary. b Case of Erns aDuestionsAbwrl Your gip: If you think your bD is wrong, or 8 you need more infeflnalldn about a transaction an your biq, write b us on a Q separele sheet d paper at Disoovar, PO Box 30421, Sall lake Qty, UT 84130-0421, as scan as possible. We must hear from you m later loan W days after vie sera you the fast biq on ~ which the errs w pmddn appeared. You can leleptrare us, lxR dorg sow61 nd preserve your nghts. N your IeHer, ghe us the fopawing Infortralbn: ~ • Your name and Aaaun nunder. o°, • The dollar ffiI10uN d ma suspected ernN. • t)escribe the error artd explaki, d you can, why you believe there is an error. N you need more bfortnatbn, desodbe me ftem you are unsure about. `r You do nd have to pay arty amotnt in questor whore we are imesti~g, ]xil you are stet obigated b pay me parts of your bib that are rat in grresl'son. N7tile vre investigate your question, we camol repot you as depnquent a take arty actiwt a oopect me amount you question. Special Rule for Credit Card Purchases: if you love a problem with the quatlty of goods a services tl~ yntr ptrrd+ased vrih a credit prd, and you have bled b good faith to toned the problem vrim the merdtaM, you may not have to pay the remain'rlg amount due on pre goods a services. You have tills protecpat only when the purchase price was more man $50 and ells purchase was made b your Noma stale or wihki 100 rrbles of your coaling address. (It we own a operate the merthanl, a ft we mailed you ds adverosarnent fa the goods a services, as ptrchases are covered regardless of the amount or location M paehase.} Payments. Send any yaw payment and the lop portbn d titie statement in the envebpe provided. Oo rat sand cash. BY s,alding your dtedc as described above, you authorize us to use mlarmadar an your check to make an electronic kind transfer bom your account at 8a frurxial oslitutan InrSceled on your dreck or b process me payment as a check transaction. It payment is processed as an electronic fund transfer, the transfer call be far the amcunt of the check. When we use inkxmatron ham your deck a make an electronic fund transfer, funds may be wJtrdrawn tram your aaovm as socn as the same day we receive yaw payment, acct you wit not receive your check back from your finattaal institution, The processing of your payment may be delayed if you send cash, coaespartdence w dher trams with your payment if you send the payment to any other address a if you use an envebpe other than me one provided. Payments recenxd In proper lam at ow processkg lastly q' SPM brat thra on arty day wf1 be credited a yourAccounl as d Ihat day. Payments received at our processing fadiry after SPM krcal time w~ he credi0ed a your Aocoum as of the next day If yes have rrisplaced yorr envelope, send your paymarri to Discover PO Box 6103, Coral, Sheam, lL 60197103. Please abw 7-10 days fa delivery. If your payment's returned unpaid, we reserwa the right to resubmit ft as an eiectranb debit. You can pay your minimum payment a a greater amount over the telephone, and you can set r~ arttomatic payments. CaA us at 1-800-347-2683. You veil need misstatement and your bank account infatuation. You must ensure that suficient fords are avdlabie in your bank account, ant a8 transactions must campy with U.S. law. You call be asked fo provide me fist 5 digits of yaw actounl statement Z~ code. By emering those nurrhers as your eleclrorrc signakae, you call be agreeing to this aumorization to Blow us and your funk to deduct each paynnent you aumor¢e from your banK acoxwnt and a initiate debd or aedil entries b your bank account as applicable, to cared en ens in the processktg of such paymed. You muse lei us me amount of each payment a you can select an amount such as the Rtinimum Payment Due or me New Balance on each statement. You can cancel a payment; however we must receive notice at least Urcee business days in advance of the scheduled payment Yau may nofdy us bYphone at t-@30.347.2683 or by mail at the ad~ess listed in me previcus paragraph. If your payments vary in arrrount, we will tell you ai each rnoMlYy statement wfien yaw payment wi8 be nsde and taw much it wit be. Your automatic paymerd amount may be less Than ardiated on the montldy statement based on clads a paynienls applied durbg die btNbg cycle. Credit Repavtirg. We may repel ettormation about your acawatt b aeAt bt¢eaus. Late payments, missed payrranls, orofher defeuks on }roar account may be reflected m your credit report. We rarma8y report he status and payment history of yourAocourA to aedd reporting agendas erxit monm. g you befsvs that our report is inaaurete or incomplete, please write us at the bllovnng address Discover, PO Box 15318. WikningWri, DE 39650.5316. Please include yaw name, address, carne telephone number and Account number. Grace Period on Purchases (at least 25 days(. We begin to oppose Parodic Fbance Charges on all transactions from the Transaction Date tar the transaction as shovm m your bilUng statement unless a transacticn a posted f4 your AocouM after tics close of the brUKrg pedad in wh[ch ft orr~xs, inwhlch case we begin W impose Periodic Finance Charges on that transaction from the first day of me billing period In which it is posted b yourAccotxft. We continue b impose Petia6c FinericB Charges anti ma date you pay your solos New Balance, by malorg payments a reaaiving aedks. However, if you paid tics Now Balance on prevbUS biling atafantenl by the Payment Due Date stiavm on mat biting statement and you pay the New Balance by the Payment Due Dale on yoix accent hiirtg slatarrienl, we wf4 not ktpOSe Pabdic Finance Charges on new pucchases, mat k;, purchases felt apPaarin9 on me ormerA billing slatemed. We call cols the "grace perod' There h no grace perod on balance transfers a cash advaraes. Minimum Finance Charge. We will charge you a mkdmtrm FINANCE CHARGE of $.50 for arty biting perbd'm which Periodic Finance Charges of less than $.50 vrould otherwise be imposed. Annual fee. If your Account has an amoral fee, Il wit be G11ed et the begoring d each anniversary year yourAarounf is open. The amount nt the tea appears on the datement when the fee is bleed. The annuaE fee is nd rekardable unless you edify us mat you vrish a dose ynurACCOUra wimkt 30 days d the coaling or deivery dale of the statement on which the tea is bleed. Yau wit receive Ibis refund even if you use your Card during 8sat period. Periodk Finance Charges. We sod your transadbns into groups of ptchases, cash advances, and balance trersfers and men Gx9tar sort he transactions wimin each group by IheoAnnuai Percentage Bale. Fa example, purdsses subject to a promoliatal rete and padrases subject to a standard rage would be separate groups. We refer b these groups as Iransadion categories. At the end of esxh bllbg period, we compute balances ant Periodic Finance Charges breach day of me bring period for eadt iransadbn category. We use me fapowing equation b compute Peiadc Fotance Charges fa each Uansaction category: (Average Da6y Balance)lfines (days let biirig period) times (Daly Perbdlc Rate) (You may refer b me fnance drarge summary on your bWhg staternail fa Blase amourds.) Then we add up me Periodic Finance Charges far each transadbri category to get lire total Periodc Finance Charges for yourArxount. The Average Daly Balance b shown as zero if, because of the grace period, no Periodic France Charges apply b the balance in a transaction category. We use heAvxage Daly Balance (inducting new transactions) melhad d me batarrce upon which we impose Perbdic France Charges. We compute the Average Daffy Balance kx each tarsadion cekgory by adding up all the daly balances b a bping period for a trartsac8on category and divklbg the tdel by tits number d days let the being period. We compute the dairy b~ance fp each bartsadron category on each day by first eddng the tttlbwoig to the Proviwrs day's daffy balarroe: transac>ans with a Transaction Date of that day as drown on your bit'ng statement urdess ma harrsaction is posted b yourAccaan afbr the dose of the bipktg period in which k occurs, b whbh case the transaction wiN be added ro fire daily balance as of the fret day of me biting period in vAdch k is posted w your Aaaay tees diarged that day and Periodic France Charges acaued on me previous day's daffy balance; and by then subtracting arty aediE and paymerrta Brat are applied againstthe balatta d the transaction category on that day. b cakulaGng me dairy balance for me first ~y of the talfug perbd, we oorsider the'previous day's daily balance'to have bean yaw belertce bl' each barsacibn category on des last day of your previous billirrg period. AA lees dsrged b yorrAccowu are added a fire standard purdrese transaction talegory with fire exception d Ceali Advance 7rarrsaction Fee Finance Charges which are added b the appicable cash advance transaction category acct Balance Transfer Transaction Fee Finance Charges vA+idt are added to the applbable ba~nce transkr transaction cem9orY. When the spedd tale expires, we move lve unpaid baiarica oFBra trdarice transfer and the 8almice Trarsiar 7ransacoat Fee Ffnartce Charges a the standard purdiase transaction categon/. However, 8 the spedal raN Itas been tenn'rrated under me Defaul Rate section, ores leave the unpaid balance of the balance transfer and the Balarroe Transfer 7ransadion Fee Fotar,ce Charges b me applicable balance transfer trensaction ceregory udl the spedal tale vrould nave expired. Fa TDD (Telewmniunbations Device farthe beat) assistance, please caU 1.86x347-7449. Discover may monitor andla retard leleptane cells txdween you and Diswvw represetdatives br quarry assurance purposes. The Discovers card is issued by Discover Bade, Member FDIC. 0 f TBK171 ~~++ ER New Balance Minimum Payment Due Account Number ending in 9139 d B l l D~e7~~V $12,597.81 5309.00 ow ose e Enter Amount Enc Payment Due Date November 15, 2009 Please make check payable to Discover Card or pay online ~ Dismvercard.eom. 20 SDSNSA01 o0i3sa7 Text APP to DISCOV' to receive a IinK to our KENNETH GENTRY free mobile app and pay your blil in seconds 22 ASHBUR6 DR tram anywhere! MECHANICSBURFi PA 17050-8205 PO BOX 71084 Illurllumlrlllarlulsl CHARLOTTE NG 28272-1084 Address,a-mail ortektphonechangeBPrintchangainspaca ~rr~rl~rrlirr~r~~riilrilr~rri~~(Irir~ii~ii~irl~ri~ri~rrlr~ir~l above, or go to Discover.com. Print your e-mail address to receive important Account information and special offers. 000001986458932953553125978100000000030900 Discover More Card Account Summary dosing Date: Ocbber 20, 2009 page 1 of i Account number ending in 9139 Previous Balance $12,316,04 Payment Due DaFe November 15, 2009 Payments And Credits - 320.00 Minimum Payment Due $309.00 Purchases + 307.92 Credit limit $14,100.00 Cash Advances + 0.00 Credit Available $1,502.00 Balance Transfers + 0.00 Cash Credit Limit $7,300.00 Finance Charges + 293.85 Cash Credit Available $1,502.00 NewBalanca = $i 2,597.81 Cashback Bonus® Cashback Bonus® Anniversary Month: October Keay building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R). Opening Cashback Bonus Balance $ 3.66 Naw Cashback Bonus This Period + 076 Cashback Bonus Balance $ 4.42 How Can We Help You? 1 • Visit D;sce,rorcem to pay your bit For no cost, wew your latest Account information, cam and redeem rewards and more It's your choice - 3 ways to help 2. Call 1-BOaaSCOVER X347--2683) Fnr fast, easy selfaervice options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, Par TDD (assistance For hearing impaired) sae reverse side SnM take City, UT 84130 Transactions SO Fraud uabiliy Guarantee Use your Discover Card with confidence. Trans. Post Date Dab Paymsntc and Credits Oct 15 Oct 15 INTERNET PAYMENT -THANK YOU $ •320.00 Travel/Enbrtairmsnt Sep 25 Sep 25 CARNIVAL CRUISE 86Jf38 MIAMI fl 307.92 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic fee Daily Periodic PERCENTAGE pERCEPRAGE FINANCE FINANCE Balances Rates RATES RATES CHARGES tyW1RGES currerrt billing period: 30 days Purchases $12660.55 0.07737% 28.24% V 28.24% $293.85 $0 Cash Advances $O 0.08216% 29.99% V 29.94% $0 $0 The rates that apply to your Account are either fixed (F) or they may vary (V) as noted above tirtptxtant Infomredon. If there is mare than ate page to rids biifrg smtemeM, see the bads of each page fa additional inpabM hformafon. ce 0 See yoar Carclmember Agreement. Your CatdmemllerAgreerrtertl consains all the taints M you AccerrnL z m Lost or stolen cards. Repot inmedaiEly! Cad 7.800.347.2683. c Billing Rights Summary. in Case of Errors a t]uestiorts Abad Your &71: ti you tttctlr your 68i's wring, a'd you need more htfamation about a Erartsaclbn on yattr bll,write to us on a S separek sheet of papa at Discover, Pt} Box 30421, Salt Lake City, lJi 8413x0421, as soon as possible. We must ileac from you no later than tiff days order wre sent you the fast bWl on u4tidt rite error a proddti a~pemed.You can lellsphate us, but doxtg so will nal preserve you rights. N your fella, eve us the faAavrng infomnafon: ~ • Your n0nle and Account M1lnber. °, • The ddlar arowM d the siispeded error. • Desabe the error and explain. A you can, why you believe Mere is an error d you need mere infomtation, destxdie the item you are iatsure abort. ~ You do riot have to pay airy amount in question wliie we are investigating, hvt you are atdl obtgated to pay the parts of yea b71 drat are rat m questort. Whie we investgare you question, we cannot report you as de8rxluent a take any acliat to cogecl the ameuM you question. Speclai Rttb for Credit Card Purchases: tiyou have a problem with the quality of goods a services that you purchased x41h a aedi! card, and you have Vied in good lent to cared Me problem wdh rite merchant, you may not have to pay the remafnmg amaunl due on the goods a services. You have Mfs protection onlywhen Me pwdtase price was mere Man 550 and Me purchase was made it your home smle awilhin 100 miles at your mailing address. {If ire own err operate the merchant, or'rf we mailed you the advertisement la rite goodsnr services, ~ purdtases are covered regardless of the amount or location M purchase.) Payments. Send Doty your payment artd the top portion of tHs statement in Me envt:bpe provided Do net satd cash. 8y sendm9 your dteck as desar~ed above, you auMor¢e us to use infomtation on you tlteck to make an electronic ktnd transfer from you account al the financial irtslilulion indicated on your dteck a to process the papment ~ a check transaction. If payment Ls processed as an electronic fund Transfer, the tansfer wilt be for d1e amount of the check. When we use iMOrmation hour your check to make an electronic funtl transfer, funds may be widdrawn from your account as soon as the same day vin. rerreive your payment, and you will not receive your ch~k back irom your Unandal institufon. Tice processing of you payment may f>e delayed if you setld cash, cortespumlence a other Rams vriM you payment, if yet send the payment to any other address a N you use an envebpe other than qte one provided. Payments received kr proper form ai ou processktg facility by 5Ph1 local lints on arty day will be aedited to your ACCaUM es of that day. Payments received at our procesdng [eddy after 5Ptd beef 6ine will be credited to yotr AcoouM as of the nerd day. I! you have misplaced your envelope, serW you paymoM to Dscover, Pt) Box 6103, Card, Stream, IL ti019T-61(#3, Please albw 7-10 days fa defrvery. If your payment is retained tutted, we reserve fhe right to restltimit A as art elecaonic dettit. You can pay your minimum payment or a grealeramount over the letepfione, and you can set up automatic payments. Catl us at 1-800.347.26&3. You will need Misstatement and your bank account ktforrttadon. You must ensure that su8idertt funds are available in your bank arxaunt, a~ aq transadioits must canply with U.S. law. You will be asked to provkle the first 5 dig'ns of your acmum statement ZIP code. By emedng Mose rwmbers as your eledrortiic signature, you wilt be agreeing to this auihodzalan b afow us and you bank ro deduct each payment you authorize from your bank account, and b initiate debit or credit entries to your bank aaeunt, as applicable, io coned an error m the processing M such payment. You must tell us the amount of each payritertt a you can select an amount such as the Minimum Payment Due or the New Balance an eadt statement. You ran cancel a payment: however we must receive r106ce al least twee twsirtess days h advance of the scheduled payment. You may notify us by phone al 1-60047-2683 a by mail at the address fisted in the previous paragraph. If you payments vary in amount, we xritl Idl you on each mondtly statement when you payment wid be made and how much it will be. Your automatic payment amount may be less Merit indicated on Me tnontMy statement based m cretins a paymetts applied during the billetg cycle. Credit Reporting. We may repot Information afloat your atxxamt to aerht bureaus. late paymerds, missed payments, err other defauds an your acoouM may be reelected to your aedd report. We nomtady repot the status and paymExtl history of yourAccaM to credit reporting agenrves each month. It you bellcve Thal our report is inaixurale or itcanpktte, please write us at Me following address: Discover PO Box 15316, Wdminglon, DE 19850.5316. Please include you name, address, home telephone number and Arxwunt number. Grace Period on Purchases (at leas125 days). We begin to'rnpose Periodic finance Charges on alt transactions from the Transaction Oate fa Me transaction as shrnvn on year bdlktg statement, unless a transadiort is posted io you Account order the close of the btltng period in wfiiclt it occus, in which case vve begin to impose Periodic Finance Charges on that transadlott Iran rite first day of the bfikt9 period in which it is posted to your Acwunt. We conitrwe W impose Periodic Finance Charges until Me date you pay you ante New Balance, by making payments a receivutg credits. However, ii you palc the New Balance on your prevous Ikldng statentml try the Payment Due bate shown on that tiling statement and you pay the New Btrlence by the Payment Due Date on your current DiYng statement, we vrid not Mpose Periodic Fnarite gtarges m new puchases, that Is, purchases fast appeadrg on the arrsrd 68ing etafenterit. We cad tlds the "grace period.' There is no period on balance transfers or cash advances. Mintmtart Finance Charge. We wit charge you a minimum FINANCE CHARGE oe $.50 for any blirtg period in wtdch Periodic Finartce Charges of less than 5.50 would otherwise be imposed. Anrwal Fee. d your Accamt has an amual fee, it wal be billed at the begiming of each anniversary year yotrAcmunt re open. The arrrount of the fee appears on the statement when the fee is bsbd. The anrarat fee is rat refundable unless you r>a6y us that you vdsh b clase yourACCOUnt wirhin 30 days of the mating a delivery dale of ilia statement on which the fee is bRed. You wdI receive this refund even if you use you Card during that period. Periodic Finance Charges. We sort your transadions into rpoups of purdgses, rash advames, end balance transfers and Men further son the transarAions within each group by lheirAmual Percentage Rate. For example. puchases subjed to a promolanal rate and purchases subject to a starAard rate would be separate grasps. We refer M these groups as transactioncategories- At the erb of each ttNitg period, we compute balances and Periodic Finance Charges for each day of the tiding period fa each transaction category. We use the fofowirtg equation b mmW le Periodic Finartce Charges for each transaction ptegory: (Average Daly BaWrtce) times (days fn biNitlg period) times (Daily Periodic Rate). (You may refer to dre fmarxs charge summary on your biding statement to these amounts.) Then we add up Me Periodic Finance Charges far each trartsadion gtegory to get the total Periodic Firtama Charges for yourAccourtt. The Average Daly Balance is shown as zero iF, ttecauso of the grace period, rw Periodic Fnaitce Charges apply lc the balance in a Uansadicn tategay. We use rite Average Daily Balance (itdudiny new transactions) niedtod of calctAadrg the balance upon which we k~tpose Periodic Fnarice Charges. We compute the Average Daily Balance for earn trartsaaJon category by adding up ad the daffy balances in a bil'etg period fa a tarsacton category and dtviring rite foal by the number of days in the biding period. We compute the daily bablitce to each lmnsadiort category on each day by Brst adding the tdlaWg to the previous days daily balance: transactions wAh a Transaction Date of that day as shovvrt on you 6ikirg s"atemenL unless rite transaction ~ pasted to your Acmunt after the cbse of the biting period in which it occurs, in vrhich case Me transaction wit{ be added to the daNy balance as of the fast day of the btng period in which R is posted b yourACCOUnL foes charged that day and Periodic Finance Charges acenrtxf on the previous days dairy bafartce; trod by then subtreaing airy aedks erW paymenbl that ere eppded against the balance of he transaction category ort (hat day. In calculating ttte deity belarK:e Wr ttte drsl day of the t>dNng peroA, we consider the `previous day's daffy balanco'to have been your balance for each transaction ealegory on the fast day of your previous tiling period. All fees charged b your Accamt are added to Ilia standard purchase transaction rategrtry with the excepdan of Cash Advartoe irensadion Fee Finance Charges which are added to the appdpde cash advance tratuadiat category and Balance Transfer 7rartsaction Fee Firmrice Charges whidt are added to the appfx:able ba!artce transfer trartsacdon caterpry. When Me special rate expkes, we move Ole unpaid balance of Me balance transfer and tlw Bafartce Transfer 7ransaaion Fee Finance Charges to the standard purdtase bartsadton Category. However, N the spatial rate has been terminated antler Me Dehull Rate section, we leave the unpaid balance of the balance transfer and Me Balance Transfer Transaction Fee Finance Charges in Me applcable balance transfer trarl5adion category unlR Me spatial rate would have etlpted. For TD0 (Telecommunications Device for the Deaq assistance, please call 1.8110.347.7449. Discover may monitor andfarecord telephone calls between you and Discover representatives for quakty assurance purposes. The piscover~ card is issued by Discover Bardc, Member FDIC. 01TBK171 New Balance Minimum Payment Due Account Number ending in 9139 DISCOVER $13,209.03 S333.00 Enter Amount Enclosed Below Payment Due Date $ r ~~ December 15, 2009 Please make check payable to Discover Card or pay online ~ Discovercard.eom. 20 SDSN6AO1 0013648 KENNETH GENTRY 22 ASHBURG DR MECHANICSBURG PA i7U50-8203 Address, edrtail or telephone clwngeT Print change in space above, or go to Discover.com. Print your a-mail addresa to receive important Account information and special offers. Text APP to DISCOV• to receive a link to our free mobile app and pay your bill In seconds from anywhere) PO BOX 71D84 Ill~rrll"rrilrlll"'Irrlrl CHARLOTTE NC 28272-1084 InIrIlnlui~rllurlulrluJ~llnrlnlulullnlululrlrJl OODD0198645893295355313209050000000003330D Discover More Card Account Summary Closing Date: November 20, 2009 page 1 of 1 Account number ending in 9139 Previous Balanco $12,597.81 Payment Due Date December 15, 2009 Payments And Credita - 310.00 Minimum Payment Due $333.00 Purchases + 603.95 CreditLimif $14,100.00 Cash Advances + 0.00 Credit Available $890.00 Balance Transfers + 0,00 Cash Credit Umit $7,300.00 Finance Charges + 317.29 Cash Credit Available $890.00 New Balance - $13,209.05 C.pSIIITCtk $onus° Opening Cashback fSortus Balance $ 4.42 New Cashback Bonus This Period + 1.50 Cashback Bonus Balance $ 5.92 Cashbdck Bonus®Anniversary Month: October Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R). How Can We Help You? 1. visit aseever.eem to pay year be Fer no test, view r latest Account information, earn and redeem rewarcJs and more s to hel It's our choice - 3 wa 2 Call 1.8oaDISCOVER (347-2683) for Fast, easy selhserviee p y y options or to spook with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance For hearing impaired) sea reverse side Salt Lake City, UT 84130 Transactions $0 Fraud liabi)iiy Guarantee Use your Discover Card with conRdence. s. D ~ ane payments and Credits Nov 13 Nov 13 INTERNET PAYMENT • THANK YOU $ -310.00 Merchandise/RetaR Oct 24 Ckt 24 ZAP*ZAPPOS.COM 868-492-7767 NV 78.95 75103872 Travel/Entartairrrtrent Oct 23 Oct 23 CARNIVAL CRUISE 861T38 MIAMI FL 490.00 Oct 27 Oct 27 PTC EZ PASS AUTO RE HARRISBURG PA 35.00 Finance Charge Summary Nominal Transaction Average Doily ANNUAL ANNUAL Periodic Fee Daily Periodic PERCENTAGE PERCENTAGE FIPIAPKE FIPIAMCE Balances Rates RATES RATES CHARGES Ct~4RGE5 current billing period: 31 days :Purchases $13228.84 0.07737% 28.24% V 28.24% $317.29 $0 Cash Advances $0 0.0821 B% 29.99% V 29.99% $0 $0 The rates that apply to your Account are either Axed {F) or they may vary {V) as noted above. cc p~ New Balance Minimum Payment Due Account Number ending in 4139 D~~7~~YER $13,347.48 $327.00 _ Eller Amount Encbsed Below Payment Due Date $ ~- Jarruary 1 S, 2010 please make dleck payable fo Discover Cord or pay online Ea Discovercard.com. 20 SDSN6A01 0013648 KENNETH GENTRY Text APP to DISCOV' to receive a link to our free mobile app and pay your bill In seconds 22 ASHBURG DR from anywhere! MECHANICSBURG PA 17050-8203 PO BOX 71084 Illurllnurlrlllnslnlrl CHARLOTTE NC 28272-1084 Address, email or telephonechange$Printchangeinspace ~rilrllrrlrirlrllrrilirlrlrrrllllrirlrrlrrlrillirlrrlrrlilrrll above, or go to Discover.com. Print your email address to receive important Account information and special offers. f1~000198645$93295355313347480033500©032700 .~. Discover More Card Account Summary Closing Date: Deasmber 20, 2009 page 1 of 1 Account number ending in 9139 Previous Balance $13,209.45 :Payment Due Date January 15, 2010 Payments And Credits 335.00 Mlntmum Payment Due 5327.00 Purchases + 161.65 Credit limit 314,100.00 Cash Advances + 0.00 Credit Available $752.00 Balance Transfers + 0.00 Cash Credit Umit $7 300.00 Finance Charges _ + 311.78 Cash CroditAvailable $752.00 New Balance = $13,347.48 Cashback Bonus® Opening Cashback Bonus Balance $ 5.92 New Cashback Bonus This Period + 0.40 Cashback Bonus Balance $ 6.32 Cashback Bonus® Anniversary Month: October Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback Bonus(R). 7 1. Visit Discovercom to pay your b$I for no cost, view How Can We Help You . idlest Account information, Born and redeem reward and more It's your choice - 3 ways to help 2. Call 1-800•DISCOVER (347-2683) for fast, easy self-service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30943, For TDD (assistance for hearing impaired) see reverse side Salt Lake City, U7 84130 Transactions $0 Fraud Liability Guarantee Use your Discover Card with wnfidence. Trans. Post Date DaN Payments and Crodits Dec 14 Dec 14 PAYMENT -THANK YOU $ -335.00 Restauwnh Nov 24 Nov 24 ROYAL PAWS BEACH CL WEST 15AY RD. KY 83.25 Gasoline Nov 21 Nov 21 HESS 38357 CARLISLE PA 43.40 Travel/Entertainment Nov 23 Nov 23 f'TC EZ PASS AUTO RE HARRISBURG PA - 35:00 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Daily Periodic Pt~NTAGE PERCENTAGE FINANCE FtNANCE B anees Rates RATES RATES CHARGES >~iAR(>~S current billing period: 30 days Purchases $13432.55 0.07737% 28.24% V 28.24% $311.78 $0 Cash Advances $0 0.08216% 29.99% V 29.99% $0 $0 The rotes that apply to your Account are either fixed (F} or they may vary (V} as noted above. Important Irdorrnalion. If Oren is more than one page to this biting slalemem, see the back of each page br addiUanal important infomtalion. See your Cardrrrembsr Agreement. Your CardmemberAgreemerttcontains a8the taints of year Account Lost oratofen cards, Reportknm~iately! Call 1-BOU-347.2b83. 8011ng Rtghts Summary. In Case of Erma or Questions About Your BAL Ii you Ourdt yaw Drl is wrong, a if you need more irtfortnation a1wu1 a blrrsac5ar on your bB, write b us at a sepaate street of paper at Discover, PO Box 30421, Salt lake rte, UT t341~0425, as soon as possNle. We mrsl hear from you no later dmn 60 days after we s~1t you Ore fast bill on which the eror a problem appeared. Yau can telephone us, but doing so wig not preserve your rights. in your tetler, give us the tdlowmg iniarnatiar: • Yow Creme and Aaaunt number. • The dollar amount of the suspected erta. • Describe tl1e error and explain. R you ran. why you t>aRave Urere is an eror. It you creed more infamafiort, desabe Ora item you are unsure abort. You do not have ro pay arty amount in question vAdle we are imestigatkry, but you are stS ottligated to pay the parts of your bi4 Drat are not in question. While we invesfgate your yuestmn, we cannot report you as deWtgrrenl a Hake arty action to tolled Ow amount you question. Special Rule for Credit Card Pwchases: It you have a problem with the quaYly W goods or services Oral you purchased with a aedlt card, and you Crave tried in good faiOr ro cortect the problem with the nrerrdram, you may not have ro pay the remaining anwunt due on the goods a services. You have tilts protection ony when the puchase prke was more than S50 and the purchase was made n your home stale or witldrr 100 miles of your mai4ng address. (If we own a aerate the merchant, a If we mailed you the adver5semem for the goods or services, all purchases are m+rered regardless d the amount m bcaAorr of pwchase.) Payments. Send Doty yow payment and the lop potion of tlris statement in Me envelope provided. Do not send cash. By sending your check as described above, you authorize us to use infortna5on on yow check ro make an elecronic fund transfer from gow acmuni at Rre Grrancel institution irxfrcated on your dreck a ro process the payment as a ctteck transaction. if payment is processed as an electronic fund Uarrsfer, the transfer will be for tie amount of the check. When we use infamtaOen from yow check to make anelectronic turd transfer, funds pray be wdtrdrewn from your account as soon as the same day we receive your payment, and you wig not receive your check bark from your Grrandal irtsOtution. The processing of yow payment may be delayed it you send cash, correspondence a other items with your paymeru, tl you send the payment to any other address or if you use ar. enveope other Than Ne one provided. Payments received N proper form al ow processing fadYty by SPM bcat time on any clay wiN be credited to your Account as of That day Payments received at ow processing faddy after SPAS local tune wig be credded to yowAcoormt as d the next day. Ii you have misplaced yow arivelope, send your payment ro Discover, PO Sox 6103, Carof, Stream, fL 60197~+i 103. Please a8ovr 7-10 days fa delivery. If yow payment is relraned unpaid, we reserve the ro resubmit it as an utectrorec debd. You Tarr pay your minimum payment or a greater artrount over the telephone, and you can set up automatle payments. Call us at 1.800-341-2683. You wRt need ibis statement and your bank account information. You must errswe that sufficient funds are avaRable in your bank acmunt, and all Uansac8ons must comply with U.S, law. You vAN be asked to provide the first 5 digits of your account statement ZIP code. By entedrrg Grose numbers as yow elecronic signabere, you well be agreeing ro this authorization ro apow us and your bank to dedua each payment you authorize from your bank account, and to inRiate debit or credt entries to yore frank account, as applicable, to correct an error N the processing of such payment. You must tail us the amount of each payment ar you can select an amount such as the fuftr»mun Payment Due a the New Balance on each statentenl. You can cancel a payment; however we must receive notice at least Three hustness days in advance o1 the scheduled payment. Yau may nolif)r us by phone at t-800-347-2683 or by mail at the address listed pr the previous paragraph. If your payments vary in amou0, we wd4 te9 you an each mouthy statemem when your payment will be made and how much ft wN be. Yow automalN payment amount may be less Than indicated on the monthly statement based on aedds a peyrneMs appked during Ore bi4irg cycle. Credit Reporting. We may report infonrtatron abort youratxeunt ro aerht bureaus. Late payrrrartts, missed payments, or ether ~faulls on yow account may be rdleded in your credit report. We nonnaRy report the status and payment history d yow Account to aedit reposing agencies each month. If you believe that ow report's fnacwrate a irrcompfete, please write us ai the following address: Discover, PO Box 15316, Wilmington, DE 198505316. Please include your name, address, home telephone number and Account number. Grate Period on Pwthases (at least 25 days). We begin to impose Periodic Finance Charges on all transactions from the Transaction Date fw the transaction as shavn on your bdkng statement, unless a karrsaction is posted to your Account after the dose of the bitling period'm which it occurs, in which pre vre begin to impose Pabdic Finance Charges on that transaction frortr the hrst day of the b4firrg period fn which ft is posted to yourAccaunt. We continue to impr?se Pedalic Firerrce Charges unW the date you pay your entbe New Balance, by malting payments a reoeivirg acdks. However, if you paid Rre New Bakrrrce on your previous belting statement by the Payment Oue Oate shown an that b4lrrg statement and you pay the New Balance by the Payment Due Date an your amens bROrrg statement, we will cwt impose Periodb Finance Charges on new purchases, prat's, purchases Rrsl appearing on the alrrent bRu1g statement. We pll Otis tlre'gface period.' There is no grace pedod m baWnce transfers a cash advances, Minimum Finance Charge. We wiB charge you a minimum FINANCE CHARGE of 5.50 for airy billing pedod in witidt Pedodic Finance Charges of less than $.50 would dherwise be imposed. Annual Fee. tf your Account has an arxrual (ee, ft wT be bi4ed at the beginning of each arrrirrersary year yourAcoottra is open. The anmrmt M the lee appears on the statement when the fee is lxTkd. The annual fee is not refundable retless you polity us drat you wish ro dose yourAaarm within 30 days of the maiCKrg a delvery data of the statement on w4rch Ore fee is bOted. Yau wit receive This refund even ft you use yax Card drrirg Drat paned. Periodic Finance Charges. 4Ve sort your :ransactions into groups of purchases, cash advances, and baiarrce Uansfas and Then furttrer sort the trarrsaclions withn each group by IheirAnnual Percentage rate. Fa example, purchases subject ro a promotional rate and purchases subject to a standard rate would be separate groups. 4ve refer to these groups as transaction categories. At the erxl d each bgirg period, we corr~wte balances and Periodic Finance Charges for each day of the h6ting period to each transaction ptegory. We use the kNOwing equation to compute Parwdic Finarrce ~rargas for each trarrsaaiorr ptegory: (Average Daly Balance) times (days N hBirg period) tknes (Daly Perioc4c Rate). (You may refer ro the furartce charge summary on your biYilg statement for tlrase arraunis J Then we add up Ore Pedodc Fnance Charges for each transaction ptegory to get the rota! Periodic Rrmnce Charges for your Account. The Average Daly Balance is shown as zero tl, because of Ore grace period, ra Periafic Finance Charges apply ro the balance in a kansediorr ptegary. We use the Average Daily Balance (indudirrg new transactions) method of cakulatirrg the balance upon which we impose Pedodc Finance Charges. tNe compute Ore Average Daily Balanrs fa each Uarrsadion ptegory by adding up all the r~4y betarrces it a biRng period for a Uarrsaction plegory and dividing the roW by the number of days in the biting period. We compute the daily bNarrce !or eadr transaction category ar each day by first addrrg the lolbwing W the previous day's dairy balance: transactions with a Transaction Date of that day as strown on your bRRrrg statement. unless the trarrsac6on L5 posted ro your Accoturt after the use of the bRliltg pared in whkh ft Dears, in wttich case the transaction wi4 be added b the daly belarce as of the fist day of the hA4ng period in w4rkit fl is posted ro your AocerrM, tees ctrargad that day and Pedodk Finance Charges acaued on the pmvrous days dairy balance; and by Then subtracting any aedits and payments that are implied ageirat the Irdarrce of the Vansactlorr category an that day kr pkrdating the dally balance for the fast day of the Wlirg period, we wrsider the •previous days dory balance" b have been your balance for each transaction category on Ore Carl day of your peviots billing perod. AR fees drarged ro yourP.ccount are added ro the standard pwchase transaction category with the exception of Cash Aduarrce Transactan Fee Finance Charges wNdt are added fo the applicabe cash advance transaction ptegory all Balance Transkr irariisactian Fee Fironce Charges wtrictr are added ro Ore applicable be~rrce transfer transaction category. When the spatial rate expires, we move the unpaid baNance of the balance transfer and the Balance Trarsief Trarrsactiorr Fee Fkrance Charges ro the standard purchase rarsaction ptegory. However, ft the spatial rate h~ been temfinated under the Defatdt Rale section, we leave the unpaid balance of the balance transfer and the 8dance Trartsder Transadbn fee F'mar~ce Charges in Ifre appfuable batmrp transfer transactiat category and the spatial rate would have expired. For TDD (Tekcanmunicafions Device far d,e Deaf) assistance, please cats t-800.347.7449. Oismver may rtronkor anNor record telttphone calls between you and ascover re{xeserdatives for quaky asswance purposes. The oiscove~ card is issued b)' Discover Hank, Member FDIC. 0 iTBK177 DISCOVER New Balance Minimum Payment Due Account Number ending in 9139 $13,377.28 $3A3.00 Enter Amount Enclosed Below Payment Due Date $ ~-~ February 1S, 20}0 please make check payable to Dixcover Card or pay online G Discovercard.com. 20 SDSNOAOf 0013650 KENNETH GENTRY 22 ASHBUR6 DR MECHANICSBURG PA 17050-8203 Address, email or telephone changer! Print change in space above, or go b Discover.com. Print your e-mail address ro receive important Account information and special offers. Tent APP to DISCOV• to receive a link to our free mobile app and pay your bill in seconds from anywhere! Po Box 71os~ Illrr.ll.rrrrlrlllrrrlrrlrl CHARLOTTE NC 28272-1084 I., I, I I~~ I„r l ~ l l ~„I„I, I ~, ~ 1111,„I ~, I„I„I I„I„I„I ~ I„I I OUDDO]r98645893295355313377280DQQDD00D34300 ..~ Discover More Card Account Summary Closing Date: January 20, 2010 page 1 of 1 Account number ending in 9139 Previous Balance $13,347.48 Payment Due Date February 15, 2010 Payments And Credits - 328.00 Minimum Payment Due $343.00 Purchases + 35.00 Credit limit $14,100.00 Cash Advances + 0.00 Credit Available $722.00 Balance Transfers + 0.00 Cash Credit Limit $7,300.00 finance Charges + 322.80 Cash Credit Available $722,00 New Balance _ = $13,377.28 Cashback Bonuse Cashback Bonus® Anniversary Month: October Keep building your rewards with every purchase. Start redeeming once you reach $20 Cashback BonuslR). Opening Cashback Bonus Balance $ 6.32 New Casf>back Sonus This Period + 0.08 Cashback Bonus Balance $ 6.40 How Can We Help You? 1- Visit Discowrcom to pay your b~Yl for no cost, view your latest Account tnformation, cam and redeem rewards and more It`s your choice - 3 ways to help 2 • Call 1.soaaSCOVER (347-2683) (or fast, easy ael~service options or to speak with a Customer Service Account Manager Please have your Discover Card available. 3. Write us at Discover Card, PO Box 30443, For TDD (assistance for hearing impaired} see reverse side Salt Lake City, UT 84130 Transactions $0 Fraud Uabtlity Guarantee Use your Discover Card with confidence. Trans. Post Date Date Payments and Credits tan 14 Jan 1 d INTERNET PAYMENT -THANK YOU $ -328.00 Travof/Entortairwnent Dec 26 Dec 26 PTC EZ PASS AUTO RE HARRl58URG PA 35.00 Finance Charge Summary Nominal Transaction Average Daily ANNUAL ANNUAL Periodic Fee Doily Periodic PERCENTAGE PERCENTAGE FINANCE FNANCE Balances Rates RATES RATES CHARGES CHARGES current billing period: 31 days Purchases $13458.96 0.07737% 28.24% V 28.24% $322.80 $0 Cash Advances $0 0.082169e 29.99% V 24.999'0 $0 $0 The rates chat apply ro your Account are either fixed (F~ or they may vary M as noted above ' ~--- _ ~ - - - -~--c-TC- .. 7 Important Information. It there a nave than one page to this baBtg statement seethe back of eadt page to additiorral important Mformation. Seeyour Cardmember Agreement. Your CaNnten>ber Agteerrralt oonta'cts all the terms of yourAocourrt. Lost or stolen cards. Report immediateyl fall 7.800.347.2589. BlNirtg Rights Summary. ro Case of Ertore a QuasttomAboutYour Bel: Nytw ihinlt yolr tie is wra>A, a 0 you creed more idomtation about a trartsadion on your bill, write to us on a separate sheaf of paper al Discover, PO Bat 30421, Sao Labs lily, UT b4130-0421, as soon as possible. life must hear from you no later Bran 60 days after we sent you the first bit on which the error' a problem appeared. Ytw can lelephare us, but ddng so call not preserve your dghEs. In yore teBeG give us Ste 1o0ovrk?g infomrotihat: • Your name and Atxalnt rwmtter. • The ddlar amount of dte suspected error. • Descxite Ore error and expk'itt d you tan, why yar believe tltere is an error if you need more atfortnalion, deacdbe the item yet are atsire abotR. Yau do rat ttava fo pay arty amourd in question whore we ore invesUgatirrg, but you are s61i obti~led to pay the parts d your bat that are nd Vr grreslian. VVltae we inwrstigate your question, we carvrot relartyou as dalipuent or take any action to caiect the amount yet question. Special Rule for Credll Card Purchases: If you have a problem wan the queiry of goods a services That you purchased wah a ae?d pM, and you have tried in good haifh ro correct the problem with the merchant you may not have a pay the remairesg ameunt due on the goods or services. Ya have ttis protection orgy vdren the purchase pnce was more than $50 atv! the purchase was made in your home state a watin 100 miles of your mooing address. (If we own or operate ere merchant a iFwe mailed you the advedisement fa the goods or services, a0 purttstses are covered regardless of the amamt a Iocatan of gxchase.) Paymarda. Send ordy ytwr payment and the lop portiar MThis slatemml in Ina enveope provided. Do not send psh. BY sending your titeck as described above, you aWhodze us to use information on your Gledt to make an electronic fund transfer from your acmunl al the turenrial irtstindion indicated on your dteck a ro process the payment as a check transaction. If payment is processed as an eledrona fund trarxfer, the transfer wort be for the amount o1 the check. When we use intormation Fran yore check ro make an electronk hnd transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you wiN rat receive your Gtedt back from your 6rrancial institutien. The processing of your payment may be delayed'd you send cash, correspondence a other items with your payment, if you send the payment ro any after address a a you use an envelope aver than the ate provided. Payments received in proper lam at our processing bcaiy M 5PM krcal time on arty day wit be credited to your Aaounl es d that day Payments received at our processing taciay after 5PM kxal ems well be aedited ro you Arrant as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Boz 6103, Card, Stream, (L ti0197$1t]3. Please aiew 7-10 days 1a dekvery, Sf your payment is reWmed unpaid, we reserve the right to resubmit it as en elecronic debit. You can pay your minimum payment a a greater arratmt over the telephone, and you can set w automatic payments. Call us at t 800-347-2883. You wi0 need this statement and your bank account information. You must ensure that sur5cienl funds are avarlade in your bank account and all transactions must comply with U.S. law. You will be asked to provide Ore first 5 digits of your accourd sta>ement 21P code. BY entering those numbers as your electronic signature, yea will be agreeing to this authodzatbn a aibw us and your bank a deduct each payment you aulhor2e from your bank aorx>unL and to initiate debit a credit entries ro your bank account, as apptiwbie, to coned an error in the processing at such payment. You must tell us the amount of each payment a you can select an amount such as the kGnimum Payment Due or Ina New Balance on each sYdlement. Yeu can cancel a payment; however we must receive slice at least IMee Iwsirass days ro advance of the scheduled payment. You may noify us by plane at i-800-347-2653 a by ma0 at the atltlress ksted 'n the previous paragraph, ti you payments vary in amount, we will tell you on each monthly statement when your payment wort be made and how much it call be. Your aWanafic payment amount may be less than indcated on the montMy statement based on tredits or payments appied during the baling cycle. Credit Reporting. We may repot infonnatien about your aCmunt to aedrl buroaus. Late payments, missed payments, a other defauks on your account may De re8ected'm your credit reps[ we nonnaiY report the stales and payment histtry of your Account to cnda reporting agencies each month. It you believe That ou sport is inacaAete a ire, please wrae us at the tollowirvl address: Discover, PO Box 15315, NAlmington, DE 19650-53?6. Please inGude your name, address, home telephone numberandAcoount number. Grace Period on Purchases (at least 25 days). 'Ne begin to impose Periodic Finance Charges on all transaclions from me Transaction Dale for the transaction as shown on your t>sVing statement, urdess a transaction is polled loyoui Accotmt aRer iha close nt the baling period in which it occurs, in which wee we Uegin to impose Parodic Finance Charges an first transardion from the fast day of the bilarg period in witch it is posted fo your AccalnL We Cadlrae ro impose Periodic finance Charges unG! the date you pay your entire New Balance, by malting payments a receiving rxediis. however, N you paid the New Balance an your previous baling stelemeM by Ste Payment Due Date stawn on that biting statement and Yan PaY rite New Balance by the ('eyrtant Due Date w your ameM bi4krg sratement we rnlf not impwe Periodic Finance Charges on new purchases, tltat is, purchases firer appearing on the cuttem li8ing statement. We call tlis Ste'grace petdod." There a no grace period on bakmce transfers a rank advances. Minimum Firwtu Charge. tMe w8 Grarge you a rdnimum FINANCE CHARGE of $.50 fa any biting period in which Perkxic Finance Charges of less than $.50 would dherwise be !n>twsed. Annual Fee. If your Accorytt has an annual tea, 8 will be baled at the beginning of each annNersary year yourAcoount is open. The antount orbs tae appears an the statement when the tee ~ ()died. The scrotal tee is cwt retutrdalia unless yes notify us thatyou wtsttto close your Attamtvalliwr 30 days d the maikug or delivery date d the statememon wlizih roe lee is Oiaed. Ya call receive this rehrM even if you use your Card doing that period. Periodic Finance Charges. We sort year transadiore lido groups d purchases, watt advances, and balarae transfers and tlren further sat the trarrsaGions witlun oach group by tfteirAnnxral Percentage Rate. Fa example. purchases subject ro a prartrotioml Yee and purchases subject a a standard rate wouk} be separate groups. th'e rater to these groups as Irarxaclan rrelegories. At the end o} each thing period, we carKwle balances acrd Perie~c Fnance Charges for each day of the biting period kx each transaction category. We use the fdiowing equatbn ro compute Periodic finance Charges to eaGt nansadan category. (Average f7eiy Batarae) times (days ro biting period) limes (Dairy Periods Rate). (You may refer to the frtarrce Grerge suntrnary an your bilrrg statement for these amounts.) Then we add up the Periodic F+nartce Charges kr each trartsac5on category to get fie total Periodic Finance Charges br yourAcoamt.Tne Average Daly Batarrce is stawn as zero'rf, because of the grace period, no Perktda Flnance Charges apptyto the balance m a uansactbn category. VPe use titeAverage Daay Balance {indtrdRtg new trartsactlau) method d ptalating the bakrnce upon which we impose Periodic Finance Charges.'Ne the Average Daily Balarxe la earn tianeatliorr category by add'rrg up a8 the daffy balances N a Ming period for s tsansacgan category and dividing the total by the number of days in the baling period. We wmptrte the daay balarae for each transactiarr category m each day by fast adding the fo8owirg a the previous day's daffy balarxe: tronsacfions with a Transaction Dale of that day as sfawn on your biting statement urdess Ote trattsactlon is posted b yourAtxxwnt a8er the Goss of die baling period err whidl i ocalra, ks whch case the transaction wort be added b the daffy balance es d the fret day of Ito Dairg period in which 8 is posed ro YourAaaunt fees charged that day and Periodic Fnerrce t~rarges aodued on the previous days daay baiarae; and by Ulan subaacting airy cn:tlits acrd paynerds that are applied against the balance of the Ransaction category an that day. In calculating the daffy balance for fire lust day d Ure liikrrg period, we corefder tta `previous days daily balance" b have lreerr Your balance toreach transaction ptegory on the Est day of your prevous tiling pedal. Aa fees dtarged ro yes Accarnt are added ro the standard purchase transaction wfegory with tics exception d Cash Adtrarrce Transaction Fee Fkranee Charges which are added ro the app8cable cash advance Uansactiar category and Balance Transfer TrensaeUOrr Fee Flnarrce Clmrges whch are added ro Ore apdkxdie balance transfer transaction category. YYhen Ste special rote expkes, we move Ste unpaid balance of the balance lronsier and the Balance 7reitvter Tronsactiari Fes Finance Charges to the standard purGrasa tiansadiorn category. However, l the spedal rye has been laminated under the Detauk Rai set:tiorr, we leave the tmpad balance of the balance transfer and Itm Balance Troreter Transaction Fee Rnance Charges err the appfirade balance barrsfer iransactiont category until the special rate would have expaed. For TDD (Tetecommunicatbns Device for the DeafF assistance, please cati 1.800.347.7449. Discover may tnonaor anNa reoofd telepltorte cxUls between you and Discover representatives for quality assurance purposes. The Discover` cerd'rs by Orswver Bank, Member FDlC. OiTBiC171 New Balance Minimum Payment Due Account Number ending in 9139 DISCOVER $13,354.74 $343.00 ErderAmountEnclosedBelow Payment Due Dafe March 15, 2010 Please pay online ~ www.Discover.com or make check payable to Discover. 20 SDSN6A01 0013651 KENNETH GENTRY Text APP to DISCOV' to receive a Ilnk to our free mobile app and pay your bill In seconds 22 ASHBURG DR fromanywherel MECHANICSBURG PA 17050-8203 PO BOX 71084 Illu,llnu,l,llln,lul,l CHARLOTTE NC 28272-1084 Address,e•mailortelephonechange6 ~rr~,I~rrEirr~r~~,r,~,r~iliri~ll~r,r~,r~rr~r,~~rr~rrlrr~,~ri~~ Go fo www.Dixover.com or print change in space above. 00000198645893295355313354740D000000034300 Date; January Z1, ZO10 - tdosing Date: Febl Discover More Card Account Summary Account number ending in 9139 Previous Balance $13,377.28 Payments And Credits 345.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0,00 Finance Charges + 322.46 OFher Fees + + 0.00 New Ba once 13,354.74 See Finance Charge Summary section Following transactions for detaiVed APR information Credit Line $14,100.00 Credit line Available $745.00 Cash Advance Credit Line $7,300.00 Cash Advance Credit Line Available $745.00 t See transaction detail For a description of any Fees Coshbaelc Bonuse Anniversary Month October Opening Cashback Bonus Balance $ 6.40 New Cashback Bonus This Period + 0.00 Cashback Ba,ws Balance $ 6.40 To lawn more, log in at www.Dlsoover.wm and select ReWard9 3 Easy Ways to Contact Us l . Aecess your account securely at www.Discover.eom 2. Call 1.800-DISCOVER ~1-800.347.2683) Please have your Discover®card available 3. Write to us ar Discover, PO Box 30943, Sak Lake Ciy, UT 84130 For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800-347-7449. uarv 20, 2alo ..._ page 1 of 2 Payment Irtktmation New Bolance $13,354.74 Minimum Payment Due $343,00 Payment Due Date March 15, 2010 lak Payment Wami,g: if we do rrot receive your minimum payment by the dale listed above, you may have to pay a late fee of vp to $39.00 acrd your purchase APRs for new transactions maybe increased up to the Default APR of 29.99% variable. Ahi,imum Paymem Warning: if you make only the minimum paymer~ each period, you will poy more in intere~ and it will take you bnger to pay off your balance. For example: . ... . . .:: .y.. w Y •• ' ~ t 2 •. x% ~3 a an . d: .~ ~ ~~, ,oa..4. ; .•h Onlythe minimum 55 years $19,365 payment $554 3 years 19'9 9 (Savings = $-5841 If you would like information abouF credit counseling services, call 1-800-347-1121. Manage Your Account Online at www.Diswver.com Aceess free online tools like Paydown Planner to create a plan to pay down your babnce, securely access statements, pay bills online and easllytraek all transoctons Make your money walih morel-find easy ways to earn and redeem cash rewards NEW! Access your oceounf securely through your mobib phone Transactions T~:. P~ Payments and Crodita Feb 13 Feb 13 INTERNET PAYMENT - THANK YOU $ -345.00 Sea reverse side. DISCOVER 3-~_ --~~ Important arformation. I! there is rose Nan ate page to this b9kng statement, see Ne back d each page fa additions important attanstlion. ce 0 See yourCarchtremberAgreanrerrt. YeurCardmemberAgreertrentcontains all Ne tears of yvurAccotrnt m z Lost or stolen cards. Repot artrrrediatdy! Cap t-800.347.2b87. w ~ 0 Bfiling Rights Summary. In Casa d Evan a Qurrstiats About Yar tAfl: If you chink yata bN! is vwong, a if you need rtxxe infomralion about a Urvtsadion on you bid, write N us on a $ separate sheet of paper nt Discover, PO Box 30421, Salt lake Cdq, UT 84130-D421, as sa:n as possible. We must hear kom yar no later than SO days after we sent you Mte fast brit on vfiich the errs a probtern appeared. You cart lelept~te us, but doatg so wp not prEServe your rights. In your kder, give us the fodovring infaration: °' m • Yoa name and Account number °' • Tne dollar arrrwnt of Ne suspeded ems. • Describe the ertor and explain,rf you can, why you believe there is an arts. If you tread more idonnadon, describe the gem you are tutsure about. You do rat have to pay any amount in queston wttie wa are invesllgating, but you are stiff oitkgated to pay the parts of your biN That are not in grresdnn. WNIe wr. investigate your question, we cannot repot you as delatquent a take any adktrr to co'~ed the amwnl you question. Special Rvle fa Crerpt Card Purchases: If you f>Mre a problerrt with the quadty of goods a services Nat you purdtased with a credit card, ant you have tried in good faith to coned the problem with Ne merchant, yw may trot have to pay ttre remarn~ng amount due on the goals a services. You have Nis pratectbn only when Ne purchase price was rose that $50 and the purdrese was mole in you home slate awiNln 100 rriles of your mating address. (if we ovrrt or operate dre merchant, or N vre mailed you me advertisement for the goods or services, ad purchases are wvered regardess of the amount a laatien of purchase.) Payments. Serrd only your payment arW the t~ potion of tfNs shaNmertt in the enve'ape provbed. Do not send cash. By sending your dteck as described above, you auNorfze us to use infomaton on you diedc to rrreke an elecrOnic k+nd Uret4fsx fran your accoam at the Grariciai atslilutbn indicated on your dreck a to prceess the payrrent as a check Transaction. it payment is processed as an electronic fund transfer, the transfer anll be for the amount of the dreck. When we use mlormation from your check to make an elecronic fund Vansfer, funds may be wNhdrawn from your amount as soon as the same day we receive your payment, and you will not receive ycur Check hack from your financial instiutian. The processing of your payment may be delayed if you send cash, conespondence or oNer dams wiN you payrrrenL if you send Ne payment to any oNer address or if you use an envelope other Nan the one provkkd. Payments received ht proper form al our processing facidty by 5PM loco} lime on arty day wiN be exedaed to gaurAccount as of that day. Payments received at our processing hraiNy spar 5PM local time vnl be aedletl ro your Accwnt as of the next day. If you Nava misplaced you anveiope, send your payment to Discover, Pr? Box 6103, Carol Stream, Il 601 Jy~b103. Wease Nlav 7-10 days for delivery, It your payment is retumert unpaid, we reserve the riyht to resubmt it as an e!ectratic detzl. You can pay your minimum paymerd of a gr~ler amount over the telephone, and you can set up automatic paymens. Cah us at 1-800-347-2683. You vnN need this statement and your bank account information, You must ensure that sutfick:nt funds are avaNab!e in your bank acwunt, and all transactions must compty wish U.S. law You will be asked to prov+de the firs) 5 digits of your accountstatemert(ZIP code. 8y entering those numbers as you elecronic signaWre, you viE be agreeing to Nis audtaizatinn in allow us and your bank to deduct each payment yea autnorize from your bartk account, and A midate delzt or credit entries to your bank aomunL as appligMe, to coned an error in Ne processing of such payment, You must tell us the amornrt of each payment a you can select an amount suds as t'ne F,'dninum Payment Oue or Ne Hew Balance on each stalenwnt. You can cwtcel a paymem~, hovrever we must receive notice al least ttaee business days in aivarioe of the scheduk~d payment. You may rro!ity us try phone at 1-800-347-2683 a by mail at !headdress Nsted in Ne previous parx3raph. if you payments vary io amount, wa will tell you an each montNy statement vAt(si your payment wt>I be rrode and how mach It will be. Your auomatic Daymenl amount may be less Nan irtdraled on Ne momhy statement based on credd9 a payments applied during rite btldng cyde. CredR Reporting. We may repel atformation about yaaAccount to txa~ txaeaus. Late payments, rrNSSed payments, a direr defaults on yourACCOUnt may be reflected in your credit report. We normally repot the status ant payment Nslay of your Acmrmt to credit reporting agencies eacn monN.lf you beleve that our repod is inaccurate a incomplete. please write us at Ne foltov6ng address Discover, PO Box 15316, Winiutglon, DE 10850-5316. Please indude yrxrr name, adt&ess: tro+ne telephone nurr+ter and Account number. Grace Period on Purchases (at least 25 days). We begin to impose Periodic Finance Charges at sit Uansachons from the Transaction Date far the transaction shorts: on your billing statement, unless a transaction is tx>stod to you Account after the dr~se of the billing pndod in wlgdt N occurs, in vrhich case we begin to impose Periodic finance Charges on thaE uansadion front the Orsl day of the bifiing period in which it is posted to yow ACCV~att. We axtGnue N impcee Periodic Finance Charges until the date you pay your sofas New Balance shrnvn on your bddng statement q' making payments a receivatg Uedits. I~toweveG if you paid the Now Balaru:e on yourprevious biging statement by the Payment Oue Date shown on Nat tMldrg statenratt vxs xil cwt hnpose Periods Firtmtce tgtarges on rtew purchases, that is, purrhascas first a~aaring on Ne arrant bRing slatemP,rrl, or any portion of a rtew purdtase, paid by tie Payrrrent Due Dale an your current biratg slak•rnenl Nle cad this Ne "grata period' Tfrere is no grar^e period on balance Uansers a cash advances. As more ful{y descrlbed'm the section of your CardntertVter Agreement titled "flow We Apply F'atRr+enls,` we 9~y avdY f>aY ~ YourAaottnl based m tie Annual Percentage Rate applicable to the dance of each Uartsadan category. Tfus means that if you do not pay tie New Balance on Ne wrrem titling staterrrertt by the Payrrrent Due Gate shown on Nal being statement, then, dapenNng on the amotml of your paymad recd NeAnnual Pemetttage Rates on other balances, you may not get a grace period on new purchases. Minimum Finance Charge. We va11 chargo You a Mnimum FINANCE CHARGE of 5.50 kx any bNdng period lit which Perioric Finance Charges of ~ Nan 5.50 would oNetwise t>e imposed. Annual Fee. If yarrAccaatt has an annual fee, it vhN be a'ded at Ne beginning of each anniversary year yarr Account is open. The amount of tie fee appears on the staterrtertt when the fie,: is bu'ecl. Tire anrnu,l k_^, is nrt robunda~ un~S you notify us that you rdSh to Cosa your Acatmi vdildn 30 days e>(lire mailing a dedvcry date et the statemaartt on which ti+;; i;;e i~ titled. Ya volt receive this rr;4md even if you use your Cad during Nat penal. Periodic Finance Charges. We sat your transactiaa into groups of purchases, Cash advances, and balance Uansfers and Nen further sort Ne trartsacdats widNn each group by tfteirluvtual Percentage f2ate- Fa example, purctases surged b e aomotional rate and purchases subject to a standard rate vrould be separate groups. We refer to These groups as trarsadion categories. AI tfte end of each tiling period, vre compute tut4itxes and Periodic Finance Charges for each day of tie tiling period fa each Imrtsacdan category. We use the fodrnving equation to compute Periodic Fatance Charges (a each transacliort category: {Average DaiTy tiaWrxe) lanes (days in biding period) times {Dairy Penodre RaN) You may refs to the Finance Charge Summary on your tNlkng statement for Nese amowr[s. Then we add up the Periodic Finance Charges for each Uansaction category to get the total Perialic Finance t;hargc5 la yoaAawtml. TheAverage Daily Balance is shown as zero if, lxscause of the grace period, no Periodic Fnance Charges apply to the balance in a Ua+tSacliat category. The Daily Periadc Rate is 11365N of the carespond'sig Annual Percentage Rate, 4Ye use Ste Average Daily Balance (irtdtrding new Uarisactions} method of cntcWaing the bntance upon which we artpose Periedlc Finance Charges. We compute NeAverage Daly Balance fa eadt Uansaction category by adding up afl the daffy balanrx+s in a biting period fa a Varrsxtion calegtxy and dividUtg fibs trial by the numtxsr of days in the titling period. We comprtle Ne daffy batartce is eadt Uartsactron category on eadt day by drsl adding Ne foflaving to the prevous day's daay balance: lr~tsactions wiN a Transaction Doe of the( day as shann on your biA'mg SatemenL unless the hansadion h posted to yarrAccountafter the dose nt the tiling period in wMdt R occurs, in which case the transackotr wit be added to the daffy balar>ce as of tie first day of the bNflng perioU in which it is posted to youryucamt, fees dtarged that day and Periodic Finance Chart3es accnied on rite previous day's daily hatance; and by then suWracU,ng any credits and payments Nat aze spelled against Ne balance of tie Uartsaction catacpry on dud day. In cntculatirrg Ne daffy balance for the first day of Ne bung period, we ransider the'previous dat/s daily balance' W have been you balance fa each Uansactiat category at the last day of your previous bilmg period. All fees charged b your Account are added b the standard porticoes transaction category mN the exception of Cash Advance Transaction Fee Faence Charges wfiich are added to the applcable c~h advance Ora,tsacGOn category and Balance Transfer irans~liat Fee Faience Charges which are added to dre ~plicable batons: transfer Irartsadiort category. For TW (Telecommunications Device forlhe Dent) asrristance, please cap 1.800.347.7449. D,scover may monitor aMla recall iLlePftotte r~ls betvreen you and DHrxtver representatives to quality assurance Wrposes. A2010 The Discovers' card is issued by Discover Barge, Member FDIC PA02t0 r it pays fo DISCOVER KENNETH GENTRY (SC~ Account number ending in 9139 page 2 of 2 Finance Charge Summary Nominal Other Average Daily current billing period: 31 days Balances Daily Periodic Rates ANNUAL PERCENTAGE RATES ANNUAL PERCENTAGE RATES Periodic FINANCE Fee FINANCE CHARGES ', Purchases $13,444.43 0.07737% 28.24% V 28.2d% $322.46 SO Cash Advances $0 0.08216% 29.99% V 29.99% $0 SO V = Variable Rate Information For You Notwithstanding the payment due dale on this statement, if you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose Periodic Finance Charges on new purchases first appearing an this billing statement, or any portion of a new purchase, paid wllhin 25 days of the Closing Date on this billing statement. Questions? visit www.Discover.com or call 1-800-DISCOVER (1-800-347-2683). DISCOVER DIS~r~VER New Balance Minimum Payment Due $13,330.14 $311.00 Account Number ending in 9139 Enter Amount Encbsed Below Payment Due Date ~ ~ ~~ Apra 15, 2010 please pay online ~ www.Discover.eom or make check payable to Discover. 20 SDSNBA010013652 KENNETH GENTRY TextAPP to DISCOV` to receive a linkto our app and pay your bill in seconds b 22 ASHBURG AR ~ from an MECHANICSBURG PA 17050-8203 PO BOX 73084 Illnsllnurlsllhnlnlrl CHARLOTTE NC 28272-1084 Address, e-mail or telephonechangeZ InIrIlnlnrlrl~urlul~InrIIIIn~IF~IuInIIuInIulr~ull Go to www.Diacowr.com or print change in space above. 0000019864589329535531333D120D350000031100 Date: Fefxuary 21, 2010 - Closing Date: AAc Discover More Card Account Summary number ending in 9l 39 Previous Balance 313,354.74 Payments And Credits 350.00 Purchases t 35.00 Balance Transfers + 0.00 Cash Advances t 0.00 Finance Charges + 290.38 Other Feast t 0.00 New Balance 13,330.12 See Finance Charge Summary section Following transactions for detailed APR information Credit Une 314,100.00 CrediYkine Available 3769.00 Cash Advance Credit Line $7,300.00 Cash Advance Credit Line Available $769.00 t See transaction detail for a description of any fees Casltback OVrltls® Anniversary Month October Opening Cashback Bonus Balance 3 6.40 New Cashback Bonus This Period + 0.08 CaShbadc Bones Balance ~ G.48 To learn more, log in of www.Discover.com and aelrrcl Rewords Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer b pay off your balance. For example: 'NF 1' . ,fin . : :' S ' ,. .h. .' ~ . j . < c ~~ . F/~5 ~:. .x Only the minimum 55 years $119,169 payment 3553 3 years 19'912 Savings = 399,257 ) If you would like information about credit counseling services, call 1.800.347-1 i 21. 3 Egsy Ways to Contact Us Manage Your Account Online at www.Diswver.com 1. Access your account securely at www.Discowrcom Access free online too& like Paydown f lannsr to create a plan 2. Call 1-800-DISCOVER (l •800.347-2683} to pay down your balance, securely access statements, pay Please have your Discoverecard available. bills online and easily hack all transactions 3. Write to us at Discover PO Box 30943,. Make your money worth morel-find easy ways to cam SaR Lake City, UT 841130 and redeem cash rewords For TDD (Telecommunications Device For the DeaF) NEWT Access your account securely through your assistance, please call 1.800.347-7449. mobib phone Transactions Trans. Post DaM Dats Payments and Crodih Mar 11 Mar 11 PAYMENT • THANK YOU $ -350.00 Travel/Entariainmertt Feb 22 Feb 22 PTC EZ PASS AUTO RE HARRISBURG PA 35.00 See reverse side. Dnportant Irdormation, ft itrere is more tlran one pie to this biyag statement, see iha back of each page for addfl~ imprxtant 6NamaGen. o See your Cardmember Agreement. Your CaMmatvberAgreemenl carlains ~ Ure terms of your Accamt. z Lost or stolen cards. Report irranediately! Call 1.8pD-347.2683. m c Billing Rights Summary. M Case of Errors a t]tresdonsAtwut Yaur ~: H you think yourt>id is vnong, a if you used mac intrxmaUa+ abort a transaction on your bill, voile to us on a c separate shcet of paper al Discover, PO Bar 30421, Sad Lake aty, UT 6413b042 t, as soon as poss~le. We must hear from you no later than o0 days after we sent you the 6rs1 bill on ~ w4tidt the errpt a problem ~tpeared. You can telephone us, but doing so avid trot preserve yow tights. In yore leda, give us the fi>paving infamadon: m • Your name and Account number. N • The rl0llaf arrowrt dtdle SUSpaCled errs. • f)escrfie the error and explain, if you car, why you believe there ~ an error d you need more intartnation, Oesa~e the item you are unsure about. `r You do not have fo pay any amount kt question while we am imesdgatirg, but you are still obdgakd to pay the parts of ya+r htll that are rxA in Guaslion. While we investigate your Guesdon, we ca+not report you as deprquent a take anY action b mtleot d>e amount you question. Special Rotator Credit Card Purchases: If you have a problem vdth the yualiry of goods a services that you ptuchased uviU1 a acrid card, and you havt? tried in good taidr b correct die problem with the merdranl, you may not have to pay the remaittrrg amount duo on the goods or sarrices. You have lhi3 prdediat only vrhen the purchase prce was mac than 550 a1d the purchase ores made ~ your home state a vrithin 100 codes d your cooing mess. {tf vve awn or operate dre merchant, a if we moped you the adverDsentent for the goods a services, se purchasr.'s ore covered regard~ss d the amount a kxadon of purchase.) PaymoMa. Send arty yow payment and dte top potion of this slatetnatt in the envelope provided. Oo trot send cash. By sending your dredr as desaibed above, you authorize us to use +nlamatien on your check to make an electronic fund barsler faorrr yow aaarnt at the finandal arstitWion indicated on your check w to pnxzss the payment as a check Iransaciien. tl payment is processed as an electronic fund transfer, the transfer vvip be fa the arrwurtt of the check. When ti:e use information from your check to make an electronic Lund transfer, funds ntay De uvithdrawn from yow account as soon as the same day we receive you payment, and you veil not receive your check back from your fmancial institution. The processirx) o(yon payrtra~f may be decayed if you send cash, correspondence a other items with your payment, if you send the payment to any other address a i( you use an enveiepe other titan Ute are provided. Payrnenis received in proper farm at our processirrq, tac:pty by SPhi local 6me an arty day will ba aedited +o your Account as of that day. Payments rexivad of au processdtg lacdity ader SPM local time will he aedderl to yourAccamt as ~ the next day. if yet have ntisptrrced your emrebpe, send your payne;tt to Oisrovp, PO box 6103, Cad Stream, IL 60197.6103. Please allow 7-10 days fa delivery. tf your paymv.'nl is refumed wcpaid, we reserve 11•e right [o resubmit h as an eleciratk debt. You can pay your minimum payment a a greater anoun[over the telephone, and you can set trp automatic payments. Ca!I us at 1-t~0-347-2683. You Ntl need This statement and your bank account information. You must ensure shot su(pdent krnds are availab'~ m your bank accatnt, and all transacions must comply v+ph U.S. law. You veil be asked b provide me first 5 digits of yow aurAUrtt staiemerd ZJP code. By entering these rurmbers as your eloclratic signalwe, you wiG be agreeing to this authaiza(ion to ailovv us aad your bank to deduct early payment you aufhafze from your bank atxbunt, and to radiate debt a credit entries b your bank amount, as applicable, to cortect an erta in the pmcessing of wch payment. Yeu must tell us the amount of each payment a you ran select an amount such as the Minimum Payment Due a U1e New Balance on each statemem. You can cancel a payment; hovrevar vre must receive notice at least Three busatess days in advance of the scheduled payment. You may nosily us by pftrxre at 1-8W-347-26th w by mad at the atfdress listed'm the previous , paragraph. If your paymonls vary kt amount, we vvip fed you on each monthly statement when yow payment will be made and how much it wilt be. Your automatic payment amount may ' be less than trrdicafed on the nxxttttry statement based on aedtls a payments applied dumty the biding cycle. Credit Reporting, We may repod inforrnaUon about yarACCOwd b crerfd bureaus. Late payrrxvlts, misted payments, a dher defaults on yourAccotmt may be repelled in your aedit report We nortnapy report the siahs and payment history of your Arxxwnt to credU reporting agencies each month. !f you begr;ve that our repot is inaccwate or incomplete, ple<nse write us at Ute fdkming address: Discover, PO Box 15316, Wilmingtwt, DE 108505316. Please include your name, address, hone INephale numt;ar and Accaanl number. Grace Period on Purchases (at least 25 days). lM1re begin to urrpose Periodic Finance Charges at ail trarsacDans from the Transactiar Date for the transaction shown on year bi+le+.; slatentent, unkess a Transaction is posted b your AccounE after the close d the billing period in which it occurs, in which case wv: Degin to impose Periodic r-finance Charges on that vansaction iron Ure first day of the bipirxf period in x?dch it is posted to yow Axwnt. We continue b impose Peda)ic Finance Charges until the dale you pay yow entire New Balance shrnm on your tstGng statement Dv making payments a receiving exeedls. Havener, if you paid the New Balance on your previous billing s(atenreni by the Payment Ou¢ Date shovm on that biging statement, we wtiit nrl impo~ Periodic Finanre Charges ar new purchases, that is, grrcDases first appeaing w the current bipatg stalernent, a any potion of a new pwchase, paid by the Payment Due Dale on your current billing slalemenL We cad this the grace period' There is no grace period on balance transfers or cash advances. As nwre fatly descrl~cd in dte section o(yow CardmrsrtberAgreement btled •How We Apply Paynttxtis' use generally apphy payments to your Aaowtt based on theMnual Percentage Rata applesable to Ure balance of each hansaction category. Tfris means {hat if yea do trot pay the New Ba?anra on dte current Mping statement by the Papnent Due Date stwvm on Ucat billing statement, than, depending on the arrrount of your paymtxlt acrd the Anntr~ Percentage Races on outer balances, you may not get a grace pedod on new purchases. Minirmtm finance Charge. We will drarge you a Mntrratm FINANCE CHARGE of 5.50 kx any bUling penod'n whkh Periodc Finance Charges of less than $.50 vrouid odtervuise be trnposed. Annual Fee. if yourAccount has an annual lee, d will be bt"ded at 9ie begilning of earls arxtiversary year your Account's open. The amaar, of the fee appears on the slatemem when the tea is Diked. The annual tee is net refundatle unless you notify us that you wish to dose your Account vathtn 30 days of the marling a d~ivcry dale of the statement on which the fee is bitkd. You aad receive This rekstd even if r~ t5e your Card doming that period. Perio~e F'inante Charges. We sort your transactions inbgrar~ps of purchases, cash advaues, and balance hansfers and then further sort the transactions within each group by (heir Annual Percenlege Rate. Fa example, purchases subject M a promotional rate and purchases subject to a standard rate wat>Id be separate groups. We rekr to These groups as bansarkon calegodas. At the cord of each bipirg period, ae compute balances and PedocUc Finance Charges for each day of the Dtlling perio;l fa each hansacda category. We use the following equafax+ to compute Periexiic Furance Chagtes fa earth transaction category: (Average Oaty Balance) limes (days in bilk'ng period) rimes (fhily Periodic Rate). You may refer to the Finance Charge Summary on yam bdirkj statement fa these amounts. Then ve add up the Perio~c Finance Chargos to each transadan cafegory to got the Iota( Periodic Fnance Charges fa your Account TheAverage Daily Balance is shovm as zero it, lxxztuae of the grace period, no Periodic Fkrance Charges ,ply W the balance in a transaction category. The Oapy Perodk Rate h ir3651h of the oomespaldkig Aarual Percentgge Rate. We use the Average Oady Bala>cs {includ'etg new bansacdans) method of cakttlating the balance upon which we impose Perior~'c Finance Charges. We ampule the Average Daily Bahr;ce fa each transactiai category b'y arMing up ~ 1'ne daily balances in a biding period fa a Iransacdon ntegory and r$rrd+ng the total DY the nwnber of rLnys kt ma tklting period. We compute the day balance la each transaction category ar each cry DY first adderg Ilta folbvirrg to the previous day's datly balance: fratsactions wash a transaction Date of that day as strorm ce your biting s:atemerrt, unless the transactions posted to you Acrbrml aher the dose of the billing patio! in vfik:h it scars, in wNrn case Use transaction x;11 be added to the daily trak+nce as of the lust day of the biding period in vfiich fl is posted to yotrAmount, fees drargad that day and Periodic Finance Chars accrued on Use previous day's daily balance and Dy Then sttbtracdng arty aedUS and payment tllai as applied agakst the balance of fie Uarsaction ghgory on that day. In pkWatrng the daily balance for the firs) day of the ding period, we consider the previous day's dopy haiance' b have been your balax:e fa each transaction categay on the last day of your previous Dpdng period. Alf tees charged to your Account are adtkd to the standard purchase transacion category veth the exception of Cash Advance Transaction fee Finance Charges wAUdt are added to the apppcable cash advance tansacion caegory and Balance Transfer Transaction F¢e Finarce Chagas vAridi are addetl to the appticab~ tulance burster transacdat category. For TDD (Telecommunications Dovlcefor the Deaf) assistance, please tall 1.80Q347-T449. Discover may manta andlot record tebphare calls tetween you and Discover representatives kx quaply assurance purposes. ~J10t0 Tho Discover° card is issrmd by Discover Bartle, Member FDIC PA0210 --- - - - - DISCOVER itP~'s1o KENNETH GENTRY A t b di i 9139 cco un num er en n g n page 2 of 2 Finance Charge Summary Nominal OF her Average Daily ANNUAL ANNUAL PPeriodio e F Daily , Periodic PERCENTAGE PERCENTAGE FYVANCE INANCE current billing period: 28 days Balances Rates RATES RATES CHARGES CEL4RGES Purchases 513,.403.82 0.07737% 28.24% V 28.24% 5290.38 50 ', Cash Advances 50 0.08216% 29.993'° V 29.99% 50 50 ', V =Variable Rate ', Information For You Please note the updated minimum payment woming on your statement. You can always pay more chart the minimum payment due. The sooner you pay your new balance, the less you will pay in interest, QUeStiOnS? Visit www.Discover.wtn or call 1-800-DISCOVER 1i-800-347-2683). DISCOVER D1SC~VER 513, ~~~ce 20 SDSNBA01 0013653 KENNETH GENTRY 22 ASHBURG DR MECHANICSBURG PA 17050-8203 Minimum Payment Due Aecour~ Number ending in 9139 S34ZA0 ~ Enter Amovrrt Enclosed 8ebw Payment Due Date May 15, 2010 pay online at www.Discover.com or make check payable to Discover. Phone and intemet payments must be made by S:OOpm ET for same day posting. Text APP to DISCOV" to receive a link to our free mobile app and pay your bill in seconds from anywhere! Po BOX 71084 IIIrrJLrrrr[,Illrrrlrrlrl CHARLOTTE NC 28272-1084 Address, o-moil or telephone change2 In~rllu~rnlrllnrlultlrnlll~nriuininl~ulnlulrltril C3o to www.Diseover.com or print change in space above. 0000019864589329535531333686DODOD00003420D Opening Date: March 21, 2010 - Closing Date: April Discover Mare Card Account Summary Account number ending in 9139 Previous Balance $13,330.12 Payments And Credits - 315.00 Purchases + 0.00 $alance Transfers + 0.00 Cash Advances + 0.00 Finance Charges + 321.74 CNhar Foes t + 0.00 New Balance 13,336.86 See finance Charge Summary section following transactions for detailed APR irtbrmation Credit Line $14,100.00 Credit Line Available $763.00 Cash Advance Credit Line $7,300.00 Cash Advance Credit Line Available $763.00 t Sea transaction detail For a description of any fees charged. VYirIVI~M fMrrV.l Anniversary Month October Opening Cashback Bonus Balance $ 6.48 New Cashback Bonus This Period + 0.00 Cashback Borws Balance $ 6.48 To learn more, log in at www.piseovar.tom and Meet Rewards 3 Easy Ways to Contact Us 1. Access your account securely aF www.Disekrver.eom 2. Cali 1-800-DISCOVER 11.804347-2683) Please have your Discover®card avaibb e. 3. Write to us at Discover, PO Box 30943, Sak Lake City, UT 84 i 30 For TDD (Telecommunications Device for the Deaf} assistance, please call 1-804347.7449. ao, 2010 page 1 of 2 Payment Information New Balance $13,336.86 Minimum Payment Due $342,00 Payment Due Date May 15, 2010 tale Payment Warning: IF we do not receive your minimum paymer~ 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 maybe increased up to the Default APR of 29.99% variable. Mininum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you bnger to pay off your balance. For exampb: Manage Your Account CMline at www.Distaover.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 }rack all tranwdions Make your money worth mores-Find easy ways to earn and redeem cash rewards NEWT Access your account securelythrovgh your mobile phone Transactions trans. Fos! Date Dots Payments and Gedits Apr 14 Apr 14 INTERNET PAYMENT -THANK YOU $ -315.00 See reverse side. DiSC~VE~ ~ if you would like information about credit courusling services, call 1-800-347.1121. Important intormalton, tt There is rode than ate page to this bung statetrtenL see Ute bade a each page (a addfiaral important mfomlaUOn. N 0 See your CardmemberAgreement Your CardmemberAgreenlenl atntaltss aA the terms of yax Account z m Lost or stolen cards. Repot inntecGatelyl Call 1.806.347.2853. c billing Ri~tts Summary. b Case of Errors a Csteslbns Abort Yatx B1C If you 1hUtk ytwr bib is wrong, a g You need more inron»atiat about a Irertsaclion on your itll, vrtiN b as on a o separate sheet of paper at Discover, PO Bat 3Dd21, Sal Lake sty, l1T 8413t).D421, as soon as possltle. We must hear hart you no later Nan 60 days aAar w~ sent you Ate first biA on g whidt the errs a prattlem appeared. You an telepltate us, btrl ddrg so wiN not preserve you rigtls. b your (etier. give us the foArnving information: • Your nameartdAcaumrtanber. ~, • The doAar amount of the suspected errs. • Descrbe the errs and explain, if you can, why you believe Starers an emx. If you need maeadarnatiort, descrbe the taro you are unsure about Ya do Trot turve b pay any amount b questirn whle vre are investigalirtg, but you are s811 ahJigzled to pay Ne parts of yotr bll tFutl are not in grmstiat. While we irnesti~te your question, we donor repot you as delinquent a take any action b coNect Ufa amount you question. Special RWe for Credit Card Purchases: If you have a prWlern with Ne quality of goods a services Nal you purchased with a credl card, and you have Vied in good NiUt b correct ' an only when the purchase price was rmre than $50 the problem with Ate merchant, you may not have b pay the ren><vning amount due on the goods a services. You have this proted doff the purchase was made in your home slate or ntiNin 100 roles of your coaling address. (if we dour a operate the marchant, a A we mallet you the arlv2rtisetnenl fa the goods a services, all purchases are covered regardless of the amount a location of purchase.) Payments. Send anty pour payment and Ute lop potion of Nis statemetl in Ne envelope provided. Oo not send rash. By send'otg your check as desalted above, you authorize us b use infamalbn on yourchecde to make art Hechonk fwtd Vartsfer from you accamt al the fmancial ktslitu5on indkated on your check a to process 4he payment as a check transaction. It payment is processed as an electronk fund transfer, the transfer vnG be for Ne amount of the check. When we use inbmtation Vom your check to make an efecMonk fund transfer, funds may be whhdrawn iron your accatnl as soon as the same day we receive your payment and yrou will not racei~re your checfc back iron your fmanraal institution. The processing of your payment may be delayed if yet send cash, correspondence or other items vdlh your payment, if you send the payment to any other addressor if you use an enveope other Atmt Ne one provxted, Payments reserved N proper form el our prorx+ssing facility by SPtA beat time on any day vriA be aedted to yourAccount as of Thal day. Payments received at our processing huilly alor SPM ta'~ time vtil be cradled to yon Accowtt as of Ne next day. tt you have rrasplated yore envektpe, sold your payment io D~cover, PO Box 6103, Carol Stream. IL 60187-6103. Fuse allow 7-10 days fa delivery. If your payment is caromed unpaid, we reserve Ne right b resubnml ii as an eleclratic debit. You can pay your minimum payment or a greater arneunt over the telephone, and you can set up aaomaik payments. Cal us at 1-800-347-2683. You vAG need Ibis statement and your bank account infamalion. You mull assure Nat suHident funds one ava4able in your bank account, and alt Vans2cUons must comply with U.S. law. You will be asked to provide the first 5 dgfts of your account statement ZIP code. By entering Atone numtters as your eiectratk signature, yitu will be aAneeitg !o N's authorization to allover us and your hank to deduct eadr payment you authorizo from your bank accarnL and to miliate debit or credit entries to your bank account, as applicable, k correct an error in Ne processing of such payment. You must tell us the amount of each payrt~nt or you can seWct an antaunt such as the trtinimum Payment Due w tl1e New Balance on each statement You an Caltcel a payment: however we must receive notice al least Nree huntress days in advance of the scherWletl payment. You may notify us try ptwne at 1-800-347-2663 a by mail at Ne address fsted in Ure previous paragraph. If your payments vary It amtxml, we will te5 you on each mxtlMy statement vAral yon payment vrll be Trade and trove much 1 v611 be. Your aubmatic payrtxxd amount may be less than lt~Caled on the monthty slaterttent based at credits a payntenls applied durirg Ne brling cycle. Credit Reporting. Wr, may repot intormation about your Account b aetGl ttureaus. Lie payments, rn'ssed paymerds, a alter defaulk on your Account may be reflected In your credit rappel. We namaity repel the stales and payment history of your Accamt to credit reporting agencies each month. If you believe Nat our mporf is inaccurate a ltcomplete, please write us at the folloMng address: Dlscever PO Box 15356. Wilmingtat, DE 19850-5316. Please inc3ude yarn name, address, home telephone number and Account numbs. Grace Period on Purchases (at least 25 daysJ. We bcyin fo impose Periodic Finance Charges at ail transacllons Uom the Transarfiat Dale fcr Ne transaction shown err your billing statearmnL unless a irartSvCion is posted to your Account aler the dose of the biltirg period in which it occurs, in vfikft case we begin b impose Periodic Fitance Charges an that VansacGar kont the first day of Ne talGrtg period in wfuch l i3 pasted io yarrAccoryti. We continue to impose Perbdk Finance Charyes unfit Ne date you pay yeti entire Nevv Balance shown on your bitting statert>ea by malting payment a receiving aedits. However, if you paid Ne New Balance on your previous 6iping staterrsnt by the Payment Oue bate shown on Thal biting statement, vre wll not impose Periodic. Ffnartrz Charges on rrev purchases, that is, purchasss first appearing on the accent bl!irg statement, a amy ponion of a crew purchase, paid by the Payment Due Dale at your current blling staffrent. yye call Nis the `grace period' There is no grace pedod on balance Vansrers a each advances. As mere fully desalted in the seabrt of yorr Cardmombar Agreert~a lilted "How We Apply Payments; vre gcxteraity apply P2Y~B b you Account based on 1heAnnr~l Percentage Rate applicable to the balance of each trartsadan category. This means that if you do rmt pay the New Baartce on Ute wrrent bi5irtg statement by the Payrrtertl Due Date shown on Thal bilirg statement, Nen, dependmg on the amount ~ your payment acrd Ne Annual Percentage Rates on outer balances, you may not get a grace period on new purdtases. Minimum Flnanee Charge. We vrR charge you a minirrxrm FINANCE CHARGE of 5.50 fa arty telling Period et vfiidr Paio6c F'arartce Charges of loss Than 5.50 nould oNertvise he imposed. Annual Fee. if yourAccount has an annual fee, A vAR be haAed at Ne beginning of eanh anniverszry yezr your Account s open The amount of lire fee appears on die statement when the fee is hilted. The annu.~i tea is col rekutdable unless you nai(y us Nal you wish to Case your Arxount vothln 30 days a the rtkniling a delivery daM cf the 54ttertx;nt on tvhkh the ice is billed, You will reoabe this refunC r^~~.n rf y.r, use your Card during that period. Periodic Finance Charges. We sat you Transactions info groups of purchases, cash advances, and balance frarusfas and Nan further soA Ate Vansaelions wiAdn each group by NeirA,rxural Percentage Rate. Fa example, purchases suf>jed to a promolionef role ark purchases subject to a standard rate watld be separate grasps. We refer to These groups as transaction categories. At Ne std d each Ming pedal, we eatrpae balances and Periodic Finance Charges for each day of the tilling period fa each transaction category. We use the fallowing equation b atmpttte Perialk Finance Charges {or eadr transaction categur/: (Average Daly 13atartce) times (days in bil8ttg period) times (Daily Peiodk Raley. You may refer to the Finance Charge Summary an your blying statement tar Nose antouas.Then He add up the Pedorkc Finance Charges for each transaction category to get the total Periodic Finance Charges fa yoaAccaum.The Average DaNy &alancz is shown a5 zero U, because of the grace period, rto PeriorGc Finance Charges apply W the balance in a transaction category. Ttut Oaay Periodic Rate is 11365Ut of the corresponding Annual Percentage Rate. We use the Average Daly Balance {ndudltg new Vansacliens) rrtattod of akulaltng the balartce upon vAtich vue k»pose Peradk Finance Charges. We cortXwle iheAverage Daily Balance for each transaction category by adding up elf the daly ialances in a biUkg period to a hansactitar ategnry and dividing Ne Ida1 by the number of days at Ne alGrtg period. We corrtpule the rfaAy balance br each transacion category on each day trj first addvrg the fotbvmg to the previous day's dally balance: transactions with a Transaction Date of that day as strown on you txlGng staement, unk•ss Ate trartsadion'ns posted to your Account after the cbse otthe DiAing period It wltich A occurs, in wldWt case the tratsaction wBl be added to the dotty balance as of the first day of the tirlfmg period in whkdt it is posted b your Account, fees charged that day and Periodk Fktance Ctrarges accrued on the previous day's v'aily balance; ant Dy then suGracting any credls and payments that are appled against the Nance of Ste Uartsaction Wtegory on that day In akulairtg lire daily balance lathe first day of the trilling ped;xi, we Consller Ne'prevbus day's da6y balance' N have been your ba;a•rrz for each transaction ategory on Are last day of your previous billing period. 011 fees charged to your Account are added to the standard purchase transaction ategory with Ste exception of Cash Advance Trareaction Fee Finatce Charges which are added to Ne applcable cash advance lydnsacUon ategay and Balance Transfer Transadiat Fee Finance Charges which are added to Are apptiabb balance transfer Vansadron category For TDD (Telecammuniealbns Devlu: forthe Deai) assistance, please call 1.800$47.7449. Oiscover may mordbr andla record tebpttorte calls belweert yar and Discover representatives br quality assurance purposes. €11010 fie Discover" and is issued by Discover Bank bladter FDIC PA0210 1---T-- DISC~VER Ir ~$~Y~ KENNETH GENTRY Account number ending in 9139 page 2 of 2 Finance Charge Summary Nominal C>fher Average Daily ANNUAL ANNUAL periodic fee Doily Periodic PERCENTAGE PERCENTAGE FINANCE FWWCE current billing period: 31 days Balances Rates RATES RATES CHARGES CHARGES Purchases $13,414.68 0.07737% 28.24% V 28.24% $321.74 $0 Cash Advance: $0 0.08216% 29.99% V 29.99% $0 $0 V s Variable Rate QUeSt10nS? Visit www.Discover.com or call 1-800-DISCOVER {1-SOO-347-2683. DISCfVER ~ISC~VER~ New Bnlarka $13,846.35 Minimum Payment Due $333.00 Account Number ending in 9139 Enter Amount Encbsed Below Payment Due Date $ r^~~ June ] 5, 2010 pay online of www.Dlscover.com or make check payable td Discover. Phone and infernal payments must be made by S:OOpm ET for some day posting. 20 SDSN6A01 0013654 KENNETH GENTRY TextAPP to DISCOV" to receive a unkto our 22 ASHBURG DR free mobile app and pay your bill in seconds from anywtlerel MECHANICSBUR6 PA 17050-8203 PO BOX 71084 I~Inrllnurlrlllrulnlrl CHARLOTTE NC 28272-1084 Address,o-mailortelaphoneehange;< Ikklrllnlnt~k~~urlkr~kiut~Illuk~nln~kk~Iululu~rlull Go to www.Discovsr.com or print change in space above. 000001986458932953553138463500000000033300 Opening Date: April 21, 2010 - Closing Date: May 2( ©iscov~er More Card Account Summary Account number ending in 9139 Previous Balance $13,336.86 Paymenrts And Credits - 342.00 Purchases + 538.80 Balance Transfers + 0.00 Cash Advances + 0.00 Ferance Charges + 312.69 Ckher Fees t + 0.00 New Balance 13,8 6.35 See Finance Charge Summary section following transactions for detailed APR information Credit Line $14,100,00 Credit line Available $253.00 Cash Advance Credit Line $7,300.00 Cash Advance Credit Line Available $253.00 tSee transaction detail for a description of any Fees charged. Cashbook 13onus® Anniversary Month October Opening Cashback Bonus Balance $ 6.48 New Cashback Bonus This Period + 1.34 Cashback bonus Balance $ 7.82 To learn more, 69 in at www.Diar»ver.eom and adect Rewards 3 Easy Ways to Contact Us l . Access your account securely at www.Diacover.com 2. Call 1.800-DISCOVER ~1-800.347-26831 Please have your Discover®card wallah , 3. Write to us at Discover, PO Box 30943, Sah Lake City, l1T 84130 For TDD [telecommunications Device for the DeaEt assistance, please call 1-804347.7449. ~v rv page I of Payment Information New Balance $13,846.35 Minimum Payment Due $333.00 Payment Due Date June 15, 2010 Late Paynrsa/ Warning: !f we do not receive your minimum poymenf 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 mcry be increased up to the Default APR of 29.99% variable. Minimum Paymen! Wamitg: If you make only the minimum payment each period, you will pay more in interest and 8 will take you longer to pay off your balance. For example: rye ~v~..Si: f }~:~`...~~uv;. .1.n :t ~,,~, ~ ~;. ., ~~ Fib ? ~1~ ">'"'; °• s~ Only the minimum 57 years $128,041 poyment 20,651 $574 3 years avings = $ i 07,390 If you would Pike information about credit counseling services, tail 1-804347-1121. Manage Your Account Online at www.Discover.com Access froe online tools like Paydown Planner to create a plan to down your balance, securely access statements, pay bills online and easily track all transaetiora Make your money worth moreSM-find easy ways to cam arrd redeem cash rowards - NEWT Access your account securely through your mobile phone Transacteorts ~ s. P o rt ~ O ~ Payments mrd Crodits May 14 May 14 INTERNET PAYMENT -THANK YOU $ .342,00 Travel/6rhrtainmant May 17 May 17 CARNIVAL CRUISE 41 RM57 MIAMI FL 250.00 May 17 May 17 DELTA AIR LINES LOS ANGELES CA 288.80 See reverse side. - - --n~~ Important ]nformation, ff there is mere (hart ate page to tltis bilfatg statement, see 0te back rn each page fa addiUOr~l irnprrlant atfonnafion See your Cardrnember Agreement. Yaw Cardmetttber Agreement conta'as all the terms of your Account u: z Lost or stolen cards. Repot innrerliabely! Cell t-80x347.2683, y 0 BiSing Rights 3umtnary. In Case o! Errors a Questions Attout Your &'A: ff ytw ituttk you bA is wring, a iT you need more irttortttatian about a Uansactiat on your bd4, write to us do a P g separate sheet of paper al Oisoorer, O Box 30421, Salt Lake City, UT 84130-0421, as soon as possible. We must hear from you no later than 60 days alto we sent you Ore first dA at which the erns a problettt appeared. Yw can tetepttrste us, but doing so wtA not preserve your ~4s. In your led&, give us tfw fr>Ibwatg inrormaton: ~ • Yow name and Aaaatt number m • Ttm doAar amount of 0te suspected error. a • Dasabe 0ta error and explain, if yet can, r4ty you believe there is an errs. If you need rnae information, describe the item you are unsure about. ~ Yet do rat trove to pay any amount M question whYe vvrt are investiga8ra, but you are sdY obYgafal to pay ifte parts of yrxn tall that are ati let quesfirxt WhBo we investigate your gttestrort, we cannot repo! you as delinquent a hake any ac8an to coAecf the amount yrou question. Special Rule fa Credit Card Purchases: If you have a problern v4th Ne qu~ily of goods a services Drat you purchased vritlt a credit card, and you have Oied in good faiAt b correct the problem witlt the rtrerdtant, you ntay nil have to pay the remauwtg amount due nn rite gaocls a services. You have this protediat only when the purchase price was more than 6.50 and the purchase was made in your home state a within I00 miles of yew maikrg address. (If we own a operate the tnarchanl, a if we mated you Ate advertisement fa the goads a serrices, al! purchases are covered regardless of the amount a bcatiort of purchase.} Payments. Send onty yotR paymem and the tap ponian of Ihis slatanent in the envelope provkted. Do not nerd resit. By sendmg yrwrrttedc as described abare, you authorize us to use'utfamatlon on yew check fo tttake an electronic lentil Unsfer frmt your account al the fmandal institution indicated on your check or to process the payment as a check transaction. It payment is prt7cessed as an electronic fund transfer, the Urnsfer writ be fa the arrpun: of the check. When we use infomr3tiat from yarc check to make an electronic fund Uanster, funds ntay be twfltclrawn from your aaount as sour as the same day we receive your payntenl, and you wit not receive your check back from your finanda) institution. The processing of you payment may he delayed if you send cash, correspondence a other items with your payment, if you send the paytttent to any other address a if you use an envelope other than IFS ono pruviued. Paymerts retxgved in proper form al wr processing facility try SPfd kx~ time on any day rHll be credited to your Account as of that day, Pd~ymenu received at au processing foolery a8a SPM brat lime will Ce aedled to you Accatni as of the next tlay. If yet have misplaced your emeWpe. sand your payment to Dhcover, PO Box 6103, Card SUearn, IL 60197.6103. Please aYOw 7-10 days for deYvery. A yew payme+tl is rehrmed urtp~d, wm reserre the right to resubmit it as an e>ECUonic debit. You can pay your mktimum payment a a greater amount over the lelepltene and you can sal up automatic payments. Call us at 1.8IH1-347.2683. You will need this statement and your bank account informaton. You must enstue that sufficient funds are avaifablc in your bank acattmt, and aq transactions rts>si ccxnply with U.S. law. You v4A be asked to provide Ne first 5 digits of your aaoum slaiemc:.l ZIP coda. By entering 6tose numbers as your electonic signature, you rA8 be agree,rtg to this authaitaliat to aYav us and your bank to deduG each payment you authorize from your bank account, and to initiate debit or credit entries to your bank aaount, as app!icabie, to correct an error in ttte processing of such peyrttent. Yw muss tell us the amoupt of each payment or you can select an antounl such as Ste Mrdinum Payment Due or fire New Balance on each statement. You can cancel a paymenh however we must receive notice al toast three business days in advance of the scheduled payntatt. Ya may notify us b/ phone at 1500-347-2683 a by mail at the address listed in Ore previous paragraph. If your payments vary in amount, wee will tell you on each monthty statement when your payment wt'{I be made end how much A raft be. Yew automatic payment amount may be less than indicated on the monthry stalerrarnt based on credos a payntenls applied during the tallirtg cycle. Credit Reporting, l;ve may reporlmfamaAon attoul your Account b credit bweaus. Late payments, missed paymens. a other defaults on yore A,xatnt may be reRected in your credit repM. Waatomwlly repel the staNs and payment idstory of yourAaatnt to credit reporting agencies each month. ~t you believe Iha# our report is inaatstrie or incomptele, please write. us at the loAowing address: Distwver, PO Box 75316, WGnnnglon, DE 19850-5316. Phase include your narna, addrr_ss, home telephone numL~er and Aaounl nurtNer. Grace Period on Purchases (at feast 25 days. l•Ye begin to impose Periodic Finance Charges on elk Iransac8ons from lire 7ransaclion Dale for the Iransac6on shrnm on your billing statement. unless a transaction is posted to you Account after the dose of rho bYlirg period in vAtidt al occurs, in which case we begin to rcnpose Parodic Finance Charges on that vansactiort 6om Ste fast day of the billetg period'at which it is posted to your Account We rontirate to impose Periodic Finance Charges until the date you pay you entbe New Balance storm on your billing statement by making payments a receiving aedils. However, d you paid the New Balance on your previous billing statement by the Paymem Due Date yxxvn on that biting stakarwtL we rni nW impose Perfodir. Finance Charges on new ptucheses, that is, purchases fist appearktg on the curtent biting statenxsnt, a any portiat o£ a new pwdtase, paki by the Payment Oue Date on yourcurtent biting sfalerttent We cab itus the'grare period' Tttere a no grace period on balance Uartsfers a cash advances. As more fuAy described in rho sediat d your Cardmemba Agroomin[titled °How We Apply Payments; we generaAy apply payrrtents to yourAccatnt based an the Annrtal Parentage Rale appYcade to the balance of each Ueitsacliort category. This mans that if you do not pay the New Ba~itce on the current bil"ag sfakrrtertl by the Payment Due Date shown on That ttJGrg staMment, then, dependktg on the amount of yar payment and the Annual Percentage Rates on other balances, You may rrot get a grace period on new pumhttses. AYinimum Finance Charge. We vat charge you a mininttim FINANCE CHARGE of 5.50 fa any b~9 pared in which Periodic FMar~ce Charges of less than 5.50 vmuW otherwise be imposed. Annual Fee. If your Aaamt itas an annual fee, it vtiA be laAed at Ute beginrang of each anniversary yrear your Aaounl is opetl The amnwt! of the fee appears on the statement when fhe fec is GP.ed. 7t:e mnual t_a K r ~ re£u;tdade unless yru rotdp us Ina! ;~ou :rsh to rose your A.^courtt wihin 30 days of the nursing w deL:cry date of the s:lentent on which the fa:: is bi!ed. You will reteire this relund even i£ you use your CzN during Thal lx>rial. Parodic Finance Charges. We sod yew Uansadtons into rdroups of pwchases, cash advances, and Italance Uartsfers oral then further sort the Uansadions within each group by IheUMnu~ Pacenlage Rafe. Fa exartgt'S, purchases subject to a prartotanal rate and purchases subect to a standard rate would be separate gmtffs. We rata to These groups as transaction categories. At the end of each bil8rg period, we compute balances and Periodic Finance Charges fa each day of the doing period for earn transaction category. We use the . fdknvkg equa8on to canpute PerborAC Firartce Charges far eadt Uansactiat category: (Average Deity Balance} limes days N bilmg pedod) IirneS (Deity Periatic Rafe) You may refer to the Firance Charge Summary on your tMNing statement 1a these arltrUnts. Thant we add uP the Periodic Finarxe Charges fa each Uansadion category to gat the fetal Periodic Finance Charges br yaarActxxint. The Average Daily Balance is shovm as zero if, because of the grata polar, no Periodic Finance Charges appy to [he balance let a transactbn category. The Dally Parodic Rate is tl365th of the care~tortdirg Annual Percentage Rate. We use IheAverage Daily Balance (ktdurkng new transactions) method at t~culatirg the balance upon which we impose Periodic Finance Charges. Wa compute theAverage Daily Baance to eadt Irertsadion category by adding up ~ the daily balances in a bYtmg period for a transar~ion ptegory ant dividing the total by the numbs of days let the biting period. We corrgttte the daYy balance (a ezrh irarnadion category on eadt day by first addig the fdlowkg to the prevous days defy balance: Iransadbtts wih a Transadion bale of That day as shown on your 6ilGng statement, unless the trmrsad'gn is posted to your Account after the dose of the blAkg period in vAtich it occurs, in wfitrh case the transaction v411 he added to the daily balance as of Ste fast day of the b~irtg period in which ft is posted to yarcAcaxmt, fees charged that day and Periodic Fnarrce Charges aamed on the previais day's daYy balance; and by Stan suhlradirrg arty aegis and payments tltat are applied against the balance of Me Irar~action category an Utat day. In rak;ulalirg the daily balance fa the first day of the d'Rrg period, we consider Ihe'previous days defy halance' to have been your balartcr! to each transadrort category at the last da`j of your previars bifmg period. All tees charged >o ywrAaount are eQ<ted to the ~attlard purchase Uartsaaion category with the exceplien of Cash Advanrz Transaction Fee Frciance Charges vAtictt are added to the appACable rash orh,-anca lransaclon category and Balance Transta Transadgrt Fee f irtance Charges which are added b the applicable balance transfer Uansaction category. For TDD (Telecommunications lkvice for the beat) assktance, please call 1.800.347-7449. Discover nqy motile andia record telephone rills beMreert you and Discover representatives (a quality asswance purposes ®2010 The Discover" card is i~stted hq Discover Bank, Member FDIC PA0210 , T._. _-T _._._. DISCOVER N paysfo KENNETH GENTRY ,S Account number ending in 4139 page 2 of 2 1 finance Charge Summary Average Doily curcent billing period: 30 days Balances Daily Periodic Rotes Nominal ANNUAL PERCENTAGE RATES ANNUAL PERCENTAGE RATES Periodic FINANCE CHARGES_ Other Fee RNANCE CHARGES Purchasea $71.91 0.06915% 25.24% V 25.24% $1.49 $0 Past Purchases $13,407.58 0.07737% 28.24% V 28.24% $311.20 $0 Cash Advaruxs $0 0.08216% 29.99% V 29.99% $0 $0 V =Variable Rate j QUeSt10T1S? Visit www.Discover.com or call 1-S00-DISCOVER (1-800-347-2683). -~- ~ -- - --~~r- DISCOVER DISCOVER New Balance Minimum Payment Due $13,072.83 $356.00 Poyment Due Dafe July 15, 2010 20 SDSN8A010013655 KENNETH GENTRY 22 ASHBURG DR MECHANICSBURG PA 17050-8203 Account Number ending In 9139 Enter Amount Enclosed Below ~~ Poy or~line at.www.Dis over.com or make check payatl6 to Drxover. Pone and intemst payments must be made by S:OOpm ET for same clay posting. TextAPP to DISCOV• fA receive a Ilnk to our free mobile app arld pay your blll In seconds from anywhere! PO BOX 71084 ~{{ur{{uu,{,{~~us{u{r~ CHARLOTTE NC 28272-1084 Address, e-mail ortebphone changaZ ~n~i~~u~ur~r~~lu~u~+~ur~~~~ur~n~u~nE~tr~u~u~rEu~~ Go to vrww.Discover.com or print change in space above. 000001986458932953553150728300000000035600 Onenina Dote: Mav 21,2010 - Cbsina date: June 20, 2010 ~ Discover More Card Account Summary Account number ending in 9139 Previous Balance $13,846.35 Payments And Credits - 340.00 Purchases + 1,231.24 Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged +• 335.24 Fees Char ed + 0.00 New Ba ante 15,072.83 See Interest Charge Calculation section following transactions for detailed APR information Credit line $15,500.00 Credit line Available $427.00 Cash Advance Credit line $7,300.00 Cash Advance Credit Line Available $427.00 Anniversary Month October Opening Cashback Bonus Balance $ 7.82 New Cashback Bonus This Period + 3.07 Cashback Bonus Balance $ 10.89 So team more, Vog in atwww.D'ncover.com 3 Easy Ways to Contact Us 1. Access your account securely at www.Discovercom 2, Co11 1.800-DISCOVER ~1.800-347.26832 Please have your Dixover®card availab e. 3. Write to us at Dixover, PO Box 30943, Sah Lake City l1T 84130 (Not a payment address} For payments, ase send to address on remittance or Dls<over, PO BoF~x 6103, Carol Stream, IL 6019711103 For TDD (Telecommunications Device for the Deaf] assistance, pksose call 1.800-347.7449. Payment information New Balance $15,072.83 Minimum Payment Due $356.00 Payment Due Date July 15, 2010 lab Payment blaming: 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 Penally APR of 29.99% variable. Minimum Payment blaming: If you make only the minimum payment each period, you wiH pay more in interest and tt will take you longer to pay aff your 6ak,nce. For example: }.,... . ~. rh ::: .,:%0'31':. .:.. ~:;:, ~ 1 >. , ., fig. .; Only the minimum 62 years $150,385 payment 22, 31 $623 3 years avings = $127,954 IF you would like information about credit counseling services, call 1.800.347.1121. page 1 ~ 2 Manage Your Acrntmt CMline at vaww.D'tscovar.cam • Aeeess free online tools like Paydown Planner to create a plan to pay down your balance, ascurely access statements, pay bills online and easily track all transactions • Make your money worth more~^-find easy ways to earn and redeern cash rewards • NEW T Access your account securely through your mobile phone Transactions Tron~ Pas* Dab Dab payments and Credits Jun 13 Jun 13 INTERNET PAYMENT-THANK YOU $ -340.00 Travel/EMartairrrrsnt Jun 18 Jun 18 CARNIVAL CRUISE 41 RM57 MIAMI FL $ 1,231.24 Foss TOTAL FEES FOR THIS PERIOD $ 0.00 ,Interest tlrargsd INTEREST CHARGE ON PURCHASES $ 335.24 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 333.24 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION D'SC~ER 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 email or text messages on your mobile phone. • Print a paper copy of your statement anytime. • Sign up today at Discover.com/paperless ®2010 Discover Bonk, Member FDIC PAPER.0310 2010 ToMis Year-Fo-DaFe TOTAL FEES CHARGED IN 201 O $ 0.00 TOTAL INTEREST CHARGED IN 2010 1,905.31 a z ~, D o_ g w m QV@StlOltS~ Visit www.Discover.com or ~[SCeYER call 1-800-i715COVER { 1-800-347-2683). ~ DtSC~VER Ir p°ya ro KENNETH GENTRY 15~~(FK~I Account number ending in 9139 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rata ~APR~ is the annual interest rate on your account. Current BRlmg Period: 31 days TYPE OF BAIANCE EGT TO S U PERCENTAGE B ~ RVTEREST CHARGE ~~ ~~ ~ ,~ t iERES T Purchases 25.24°~b V $579.00 $12.41 Past Purchases 28.24% V $13,459.85 $322.83 Cash Advances 29.999', V $0 $p V = Variable Rate Additional Mnportant Information. See your Cardmenrber Agrssmerrf. Your Cardmember Agreement contains all the farms of your Account. Lost or stolen cards. Report immediately! Can 1-8W347.2683. What To Do K You Mink You Find A Mistake Chr Your Ste en! If you think there is an error onyour statement, write to us at: Discover, PO Box 3(1421, SaIF lake City, UT 84 1 30-042 1. In your letter, give us the folbwrng information: • Account,^nfor~rr ation: Your name and account number. • Dollar amount: The dollar amount of the wspeded error. • Description of Problem: IF you think there is an error on your bill, describe what you believe is wrong and why you believe it is o misto~ You must contact vs within 60 Boys after the error appeared on your statement. You must notify us of any potential errors i ifiifir~. 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 irnestigate whether or nW there has been an error, the fallowing are true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The cfrorge in question may remain on your statement, and we may eorrtimre to charge y+ou interest on brat amount. But iF we determine that we made a mistake, you wil! not have to pay the amount in question or any interest or other fees reh~ted to that amourrf. • While you do not have to pay the amount in question, you are responsible For the remainder of your balance. • We can apply any unpaid amount against your credit limit. Your Rights ff You Me DissaMisFied With Your Credit Card„~yrchases if you are dissotisRed with the goods or services that you have purchased with your credit card, and you have hied in good faith to correct the problem with the merchant, you may have the right not to pay the remaimng amount due on the purchase. To use this right, all of the following must be hue: 1. The purchase must have been made in your home stole or within 100 miles of your current marling 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 sdd you the goods or services.} 2. You must hove used your credit card for the purchase. Purchases made with cash advances from an ATM or with a cheek that accesses your credit card account do not qualify. 3: YoG must not ye! have fully paid for the purchase. If all of the criteria above are met and yyoou are still dissatisfied with the purchase, contact us in writirw at: Discover, PO Box 30945, Salt lake Cihj, UT 84130-0945 While we investgate, fhe same rules apply to the disputed amount as discussed above. Aker we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Payments. You may pay 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 envebpe provided. Do not send cash. By sending your check as descnbed above, you authorize us to use information on your check to make an electronic Fund transfer from your account at fhe financial institution indicated on your check or to process the payment as a check transaction. IF pa ment is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information From your check to make an elecronic 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 send fhe payment o an other address or if you use an envelope other than the one provided. Paym s recerved m proper form at our processing Facility by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing facility after 5PM local time will be credited Fo your Account as of fhe next day. If you have misplaced your anvebpe, send your payment fo Discover, PO Box 6103 Carol Stream, IL 60197.6103. Please allow 7-10 days for delivery. IF your payment is returned unpaid, we reserve the rig~f to resubmit it oa an electronic debit. NOTICE: SEE REVERSE SIDE FCN2 IMPORTANT INFORAAA71ON ~z r You can pay our monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the tale one or you can setup automatic payments through a customer service representative by calling - 1-800.347- 683. Automatic payments will be deducted on the Payment Due Date unless you request a recurcmg paayyment date (e. ., the 15th day of the month} that «curs before your Payment Due Dale. If your scheduled payment date faAs on a weekend or bank holiday, your payment wiR be processed the business day~pprior to the weekend or bank holiday. in order to schedule monthly payments b tale hone, you will need this statement andyour bank account information. You wilt be asked to Provide the last four (4~digiis of the s«ial security number of the primary borrower. By providing those numbers as your alec tunic signature, you will be agreeing to this authorization to allow us and your bank to deduct each pa ant you oath«ize in the amount selected byy you, From your bank account. You also auihor~ze us ro initiate debit or credit entries to your band account, as a livable, fo 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, f'O Box 30421, Salt Lake City, UT 84130.0421; however we must receive nohee at least three business days in advance of the scheduled payment. If your paymenh may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much rt will be. You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments far: {i) statement New Balance, {ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a Fixed dollar amount, or (iv) a fixed dollar amount. If your scheduled fixed payment is not enouggh to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment For thaF month will 6e increased to cover the Minimum Payment Due. IF the scheduled payment is realer than the Minimum Payment Due, any excess will be appplied in accordance with your Cardmember Agreement. IF your scheduled payment is grantor than the New Balance on your btllrng statement, that payment will be «esued only for the amount of your New Balance. Your automatic paymenk amount may ba less than the amount indicated on the periodic statement based on cr®dits or payments oRer the Closing Dote. 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 + $ ^ Fixed Pay$ , Bank Routing #: • Bank Account #: ;Frequency: _ Credit Reporting. We may report inFormation about your Account to credit bureaus. Late payments, missed payments, or other defaults an your Account may be reflected in your credit re rt. We normally report the status and payment history of your Account fo credit reporting agencies each month. If ou believe that our report is inaccurate or incomplete, please write us at the Following address: Discover, PO Box 1531 b, WYlmington, DE 1 9 8 50-53 1 6. Please indicate your name, address, home telephone number and A<munt number. Paying Interosh We be into impose Interest Charges on all transactions from the Trans«tion Date for the transaction shown on your billing statement, unless a transaction is posted to your Account offer the close of the biNing period in which ff occurs, in which case we begin to impose interest charges on that transaction from the first day of the billing period in which it is posted to your Account. We continue to impose Irterest Charges until the date you payyour entire New Balance shown on your billing statement by making payments or receiving credits. If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose Interest Charges on new purchases, that is, purchases First appearing on the current billing statement, or anY portion of a new purchase, paid by the Payment Dve Date on your current billingstatement. We calf this the "grace period.' !t is not [ass than 25 dayys. There is no brace period on balance transfers or cash advances. As more fully described in the section of your Cardmember Agreement htfed "flow We Apply Payments," we generally apply payments to your Account based on the APR applicable to the balance of a«h transaction category. This means of if you o not pay the New Balance on the current Jlmg statement by the Payment Due Date shown on that billing statement, then, depending on the amount of your payment and the APRs on other balances, you may not get a grace period on new purchases. Mnual Fee. 1f your Account has an onnva! fee, it will be billed at the be inning of each anniversary year our Account is open. The amount of the Fee appears on the statement when the fee is billed. The annual fee is not refundyoble unless you notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the fee is billed. You will receive this refund even if you use your Card during that period. How We Cakulate Interest Charges -Daily Balance Method (including current fransactions}: We figure interest Charges for each billing period. To do this: • We calculate your Interest Charges separately for each balance subject io different terms (for example, standard purchases, standard cash advances and each purchase, balance transfer and cash advance balance subject to promotional terms). We reFer to these balances as transaction categories. • We figure the "doily balance" for each transaction category. To get the "daily balance" we take the beginning balance for each day, add any new transactions and fees and any Interest Charges accrued on the previous day s daily balance. We then subtract any credits and payments and make other adjustments (including those adJ'ustments required in the section titled "Paying interest"). In calculating the daily balance for the first day of the billing period, we consider the "previous day's daily balance" to have been your balance on the last day of your previous billing period. This gives us the daily balance for each fransaction category. • We figure the Interest Charges on your Account by multiplying the daily balance for each transaction category by its daily periodic rate, for each day m the billing period. • The total Interest Charges far the billing period are the sum of the daily Interest Charges for each hansaction category for each day during that billing period. When we calculate daily balances, we add a rtew transaction as of the Transaction Date shown on your billing statement, unless the transaction is posted to your Account aher the close of the billing period in which it occurs, in which case the transaction will be added to the daily balance as of the first day of the billing period in which it is posted to your Account. All fees charged to your Accourrt are added to the standard purchase transaction category with the exception o Cash Advance Fees which are added to the applicable cash advance transaction category and Balance Transfer fees which are added to the applicable balance transfer transaction category. Credit balances. tf your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $3.0 or more offer b months, or as otherwise required by applicable law. For TDD (Telecommunications Device for the Deaf} assistance, please tail 1-800-347.7449, Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover©card is issued by Discover Bank, Member FDIC OITBK172 QFJeStIQt15? Visit www.Discover.com or ~1SC~VER call 1-800-DISCOVER { 1-800.347-2683. DISCOVER 20 SDSN8A01 0013858 KENNETH GENTRY 22 ASHBURG DR MECHANICSBURG PA New Balance Minimum Payment Due $15,061.23 5369.00 Payment Due Date August 15, 2010 17050-8203 2010 PO BOX 71084 Illrulluurlrlllurlulsl CHARLOTTE NC 28272-1084 Address, e-mail or telephonechange$ Inlrllrrlurlrllnr~nlrlnr~~~~+nlnlnlsr~lulnlulrlul~ Go to www.Discovorcom or print change in space above. 00000198645893295355315061230000000D03690D Opening Date: June 21, 20]0 - Ckuing Date: July 20, Discover Mare Card Account Summary Account number ending in 9139 Previous Balance $15,072.83 Payments And Credits - 360.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged + 346.40 Fees Charged + 0.00 New Ba nce 15,061.23 See Interest Charge Calculation section following transactions for detailed APR information Credit line $15,500.00 Credit Une Available $438.00 Cash Advance Credit line $7,300.00 Cash Advance Credit line Available $438.00 Cashback 6onus° Anniversary Month October Opening Cashback Bonus Balance $ 10.89 New Cashback Bonus This Period + 0.00 ----- - Cashbadc Bonus Balance $ 10.89 To learn mac, log in at vrww.flleeorar.com 3 Easy Ways to Contact Us 1. Access your account securely of www.Diccovsr.com 2. Call 1.800-DISCOVER (1.800347-2683 Please hove your Discovar®card availab~. 3. Write fo us aF Discover PO Box 30943, Sak lake City, UT 84130 {Not o payment oddressj For payments, please send to address on remikance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1.800347-7449. Account Number ending in 9] 39 Enter Amount Enclosed Below Pay online at.www.Discover.com or make check payable to Discover. Phone and intemat payments must be made by S:OOpm ET for same day posting. Text APP to DISCOV• to recehre a link to our free mobile app and pay your bill in seconds from anywhere) page i of 2 Payment Information New Balance $15,061.23 Minimum Payment Due $369.00 Payment Due Date August 15, 2010 Lars Payment Wamirg: If we do not receive your minimum payment by the data listed above, you may have to pay a Iota fee of up b $39.00 and your purchase APRs For new transactions may be increased up to the Penalty APR of 29.99% variable. Minimum Payment blaming: 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 bdance. For example: .. . ` ,. Only the minimum 62 years $150,174 payment 5623 3 years 22, 32 avin s = $127,742 j If you would like information about credit counseling services, call 1-800347-1 1 2 1. Manage Your Account Online at www.Discovercom • Access free online toola like Paydown Planner to creole a plan to pay down your balance, securely access statements, pay bills online and easily frock alj lransocHons • Make your money worth morel-Find easy ways to earn and redeem cash rewards • NEW! Access your account securely through your mobile phone Transactions T s. P ~~ ~ Payments and Credits Jul 14 Jul 14 INTERNET PAYMENT • THANK YOU $ •360.00 Fees TOTAL FEES FOR THOS PHt10D $ 0.00 Infsrest Charged INTEREST CHARGE ON PURCHASES $ 348.40 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BAL4tJCE TRANSFERS 0.00 TOTAL INTEREST FOR 7tpS PERK)D 348.40 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DIS VER Paperless statements mean less cluster, 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 moilbox. • 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 Diuovercom/paperless X2016 Discover Bank, Member FDIC PAPER.0310 O Z m D o_ 0 0 2010 Sotals Year-to-Date TOTAL FEES CHARGED fN 2010 $ 0.00 rn V TOTAL INTEREST CHARGED IN 2010 2,253.71 QUeSt1O11S~ Visit www.Discover.com or [}~SCiVER call 1-800-DISCOVER (1-800-347-2683J. DISCOVER tt fwysto jS. KENNETH GENTRY Account number ending in 9139 page 2 of 2 Interest Charge Calculation 'Your Annual Percentage Rate APR) is the annual interest rate on your account. Current t311h,g Period: 30 days TYPE OF BALANCE ~~ RCENTAGE BALi SCE S U~ EC[ 70 BJT9tES7 CHARGE ~~ ~ I Purchases 25.24% V $1,382.33 x28.65 Past Purchases 28.24% V $13,774.90 $319.75 Cash Advances 29.99% V $0 $0 V =Variable Rate Additional tmportaM Information. See your Cardmsmbsr Agreement. Your Cardmember Agreement contains all the terms of your Account, Lost or stolen cards. Report immediately] Call 1-800.347-2683. M/haf To Do !f You Think You Fird A MiaMke On Your Statement If you think there is an eror on your statement, write to us at: Discover, PO Box 3042 ] ,Salt Lake City, UT 84 1 3 0-042 1. fn your fetter, give us the followrng information: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • s 'o of Problem: If you Think there is an error on your bill, describe what you believe is wrong and why you believe it is a mista ce. You must contact us within 60 days after the error appeared on your statement. You muat notify us of arty potential errors in ~~~~ff~~nnaa. You may call us, but if you do we ore not required b investigate any potential errors and you may have to pay~ount in question. While we imrestigate whether or not there has been an error, the following are true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. Your RFohts ff ou Are DiasatlaFled With Your Crcdif Card purchases If you are dissatisfied with the yodels or services that you have purchased with your credit card, and you have hied in good faith to cored the problem with the merchant, you may have the right not to pay the remainrng amount due on the purchase. To use this right, all of the following must be tnre: 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 Ihan $50. (Note: Neither of these era 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 ham an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet hove fully paid for the purchase. If all of the criteria above are met and yyoou are still dissatisfied with the purchase, contact us in 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 Fnish our investigation, we will tell you our decision. At that point, if we tfiink 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 ac any time. However, you must pay at least iha 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, Byy sending your check as described above, you authorize us to use information on }roar check ro make an electronic Iund hanster from your account at the financial institutlort indicated on your check or to process the Payment as a check transaction. If pa meet is processed as an electronic Fund transfer, the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn From your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. Tfre processing of your paymerrt may be delayed if you send cash, correspondence or other items with your payment, if you send the payment o an other address ar tF you use an envelope other than the one provided. Payments received rn proper form at our processing facility by 5PM local time on any day will be credited to your Account os of that day. Payments received rn our processmg faeih after 5PM Eoeal time will be credited to your Aeeount as of the nexF day. !f you have misplaced your envelope, send your payment to Discover, PO Box 6103 Carol Stream, IC 60197.6103. Please aNow 7.10 days for delivery. If your payment rs returned unpaid, we reserve the rig{rt to resubmit it as an electronic debit. I NOTICE: SfE REVERSE SIDE FOR IMPORTANT INFORMATION DI ~NER 7 You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Aecaunt balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1.800.347-2683. Automafic payments will be deducted on the Payment Due Data unless you request a recurring ant date (e. .the 15th day of the month) that occurs before your Payment Due Date. If your scheduled payment date F~on a weekend or bank holiday, your payment will be processed the business dayprior fo the weekend or bank holiday. In order to schedule monthly payments b telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4~digi of the social security number of the primary borrower. By providing those numbers as your electronic signature, you wdl be agreeing to this authorization to allow us and your bank to deduct each pa ant you authorize, in the amount selected by you, from your bank account. You also authorize us to inkiate debit or credit entries to your bank account, as applicable o totted an error in the processing of such payment. You can cancel a xheduled payment by phone at 1.800.347.11683 or by mail at Discover, PO Box 30421, SaR lake City, UT 84130A421; how®ver 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 billing statement when your payment will be made and how much d wiU be. Yov must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. Yov can set automatic payments For: (i) statement New Balance, (ii} statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount. If your scheduled Fixed payment is not enouggh to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is realer than the Minimum Payment Due, any excess will he appplied in accordance wish your Cardmemher Agreement. If your scheduled pa ant is greater than the New Balance on your billin statement, that payment will be roeessed on for the amount of your New Balarwe. Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Oate. 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: ^ Fvll Pay ^ Min Pay ^ Min Pay + $ A, ^ Fixed Pay$ , Bank Routing #: ;Bank Account #: 'Frequency: Crodit Reporting. We may report inFoimation about your Account to credit bureaus. Late payments, missed payments, or other defaults on your A<cavnt may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 1531 b, Wilmington, OE 19850.5316. Please indicate your name, address, home telephone number and Aeeount number. Paying Infiarest: We begin to impose Interest Charges on all transactions from the Transaction Date for the transaction shown on your billing statement, unless a transaction is posted to your Account after the close of the biting period fn which rt occurs, in which case we begin to impose interest charges on that transaction from the first day of the billinngg p~eriod in which it is posted to your Account. We continue to impose Interest Charges until the date you pay your entireNew 8alnnce shown on your billing statement by makir~ payments or receiving credits. If you paid the New Balance on your previous billing statement 6y the Payment Due Date shown on that billing statement, we will not impose Interest Charges on new purchases, that is, purchases first appearing on the can-aril billingg statement, or and portion of a new ppurchase, paid by the Payment Due Date on your curcent billing statement. We toll this the "grace period. ft is not less than 25 dayyss There is no grace period on balance transfers or cash advances. As more fully dexribed in the section of your Cardmember Agreement titled "Mow We Apply Payments," we generally apply payments to your Account based on the APR applicable to the balance of each transaction category. This means that if you do not pay the New Balance on the current filling statement by fhe Payment Dve Date shown on that billmg statement, then, depending on the amount of your payment and the APRs on other balances, you may not get a grace period on new purchases. Annual Fee. IF your Account has an annual Fee, it wilt be billed at the beginning of each anniversary y®ar our Account is open. The amount of the fee appears on the statement when the fee is b81ed. The annual fee is not reFundyable unless you note(y us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the fee is billed. You will receive this refund even if you use your Card during that period. How We Calculate Interest Charges -Daily Balance Method (including current transactions): We figure Interest Charges For each billing period. To do this: • We calculate your Interest Charges separately for each balance subject to different terms (For example, standard purchases, standard cash advances and each purchase, balance transfer and cash advance balance subject to promotional terms). We refer to these balances as transaction categories. • We figure the "doily balance" for each transaction category. To get the "daily balance" we take fhe beginning balance for each day, add any new transactions and fees and any Interest Charges accrued on the previous day's daily balance. We then subtract any credits and payments and make other adjustments (including those adjustments required in the section titled "Paying Interest"). In calculating the daily balance for the first day oFthe billing period, we consider the "previous day's daily balance" to have been your balance on the last day of your previous billing period. This gives us the daily balance for each lransacfion category. • We figure the Interest Charges on your Account by multiplying the daily balance for each transaction category by its daily periodic rate, for each day in the billing period. • The total Interest Charges for the billing period are the sum of the daily Interest Charges For each transaction category for each day during that billing period. When we calculate daily balances, we add a new transaction as of the Transaction Dafe shown on your billing statement, unless the transaction is posted to your Account offer the close of fhe billing period in which it occurs, in which case the transaction will be added to the daily.balance as of the first day of the bilking period in which it is posted to your Account. All fees charged to your Aeeount are adddded to dte standard purchase transaction ontegory wifih the a~eption of Casft Advanea Fees which are added to the a licable cash advance transaction category and Balance Transfer Fees which are added to the applicable balance transfer transaction category. Credk Balances. If your Account has o credit balance, the amount is shown on the front of your billing statement. A credit balance is money That is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more alter 6 months, or as otherwise required by applicable law. For TDD (telecommunications Device for the Deaf} assistance, please call 1.800.347-7A49. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discovermcard i.s issued by Discover Bank, Member FDIC O1TBK 272 Questions? Visit www.Discover.com or call 1-800-DESCOVER (}-800-347-2683). ~~~OVER DISCOVER 20 SD&N6A01 0013657 KENNETH GENTRY 22 ASHBURG DR h1ECHANICSBURG PA New Balance Minimum Payment Due S15,051.7t 5381.00 Payment Due Date September 15, 2010 I7050-8203 !0, 2010 Po Box 7>loa4 Ilirrrll~rrrrl~lllrrrlrrlrl CHARLOTTE NC 26272-1084 Address, e-mail or telephone change8 Inlrllnlu~lrllurlulrlurllllurlrrlulnlluiuln(rluil Go to www.Discover.com a print change in space above. OOD0019864589329535531505171000000D0038ZDD Opening Date: July 2l, 2010 - Dosing Dots: August Discover More Card Account Summary Account number ending in 9139 Previous 8abnce $15,061.23 Payments And Credits - 370.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged + 360.48 Fees Charged + 0.00 New Balance _ 15,051.71 See Interest Charge Calculation section fallowing transactions For detailed APR information Credit line $15,500.00 Credit line Available $448.00 Cash Advance Credit Line $7,300.00 Cash Advance Credit Line Available $448.00 A«ount Number ending in 9139 Enter Amount Enclosed Bebw Pay online at.www.Diseover.eom or make check payable to Discover. Phone and iniemet payments must be made by S:OOpm ET for same day posting. Text APP to DISCOV` to receive a tlrlk to our free mobile app and pay your bill In secorxis from anywhere) page 1 of 2 Payment Information New Balance $15,051.71 Minimum Payment Due $381.00 Payment Due Date September 15, 2010 Late Paynrsrrt Warning: tF we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new transactions may be increased up to the Penally APR of 29.99% variable. Minimum Payment Wamirrg: IF you make only the minimum payment each period, you will pay more in interest and it will take you bnger to pay off your balance. For example: CaSIII'>aCiC B011U5® Anniversary Month October Opening Cashback Bonus Balance $ 10.89 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance ~ $ 10.89 To learn rtq+e, fog in m vrww.Dlaeover.tom 3 Easy ways ro Canted Us 1. Access your account securely of www.Diseovercom 2. Call 1-800-0ISCOVER (1-800.347.2683) Please have your Discover®card available. 3. Write to us at Discover PO Box 30943, Salt Lake City UT 841 §0 (Not a payment address) For payments, phase send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197103 For TDD (telecommunications Device For the Dea•) assistance, pk~ase call 1.600347-7449. Manage Your Account Online at www.Discovsr.com • Access free online tools like Paydown Planner to create a plan to y down your balance, securely access srotements, pay bikls online and easily track all transactions • Make your money worth morel-Find easy ways to earn and redeem cosh rewards • NEWT Access your account securely through your mobib phone Transactions T . ~ PnymeMs and Credits Aug 13 Aug 13 INTERNET PAYMENT - THANK YCJU $ 370.00 Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 360.48 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PER10D 360.48 NOTICE: 5EE REVERSE SIDE FOR IMPORTANT INFORMATION DI C..VER If you would like information about credit counseling services, call 1.800-347.1121. Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadabie, 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. M • Print a paper copy of your statement anytime. • Sign up today at biscover.<om/paperfess ~'J2010 Discover Bank, Member FDIC PAPER.0310 2010 Totals Year-to-Date TOTAL FEES CHARGED tN 2010 $ 0.00 • TOTAL INTEREST CHARGED IN 2010 2,614.19 QU@Sf10nS~ Visit www.Discover.com or DISC4~VER call 1-800-DISCOVER (1-800-347-2683). DISC®VER' It pays to KENNETH GENTRY b ~ d 9 39 Account num er en ~$ i ng in 1 page 2 of 2 Interest Charge Calculation Your Annual Pxcentage Rate (APRJ is the annual interest rate on your account. Current B~Ing Period: 31 days TYPE OF BALANCE ~~U ERCENTAGE CE ~ ECf TO INIEREST CHARGE ~~ ~~ ~ M Purchases 25.24% V $1,039.85 $22.28 Past Purchases 28.24% V $14,100.37 $338.20 Cash Advances 29.9990 V $0 $0 V =Variable Rate Additional Importan! Information. See your Cardrnember Agroemsnt. Your Cardmember Agreement contains all the terms of your Account. host or stolen cards. Report immediately) Coll 1-800.347.2683. fN~ro/ To Do If You ilrlnk You Find A Mfafakg On Your Stoternent If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84130.0427 . M your letter, give ua the following inFormation: • Account informaflon: Your name and account number. • .Dollar amount: The ddkar 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 if is a mista~- You must contact us within 60 days aher the error appeared on your statement. You must notify us of any potential errors in~wrifi~g. You may call us, but if you do we are rrof required io 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 fdfowing are hue: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge In question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. • While you do not have to pay the amount in question, you are responsible For Iha remainder of your balance. • We can apply any unpaid amount against your credit limit. Your R bIs If You Ar+e Dlasatisfied U/rllr Your Credit Cord Purchosea If you are dissatisfied with the goods or services that you have purchased with your eredR card, and you have cried in good faith to corcect 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 mailir~q address, and the purchase price must have been more than $50. (Note: Neither aF these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company chat sold you the goods or services.) 2. You must have used your credit card for the urchase. 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 Fw the purchase. If aB of the criteria above are met and you are still dissatisfied with the purchase, contact us i riti 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 cell you our decision. At that point, if we think you owe an amount and you do not pay we may report you ns 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 emrolope 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 financia! institution indicated on your check or to process the payment as a check transaction. IF paym eat is processed as an elecronic fund transfer, the transfer will be for the amount of the check. When we use information Irom your check to make an electronic Fund transFer, Funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The procassirtg of yyour payment may be delayed if you send cosh, corrospondence or other items with your payment, if you send the payment to ar~y other address or iF you use an envelope other than the one provided. Payments reeerved en proper form at our processing Facility by 5PM local time on any dayy will be credited to your Account as of that day. Payments received at our processing faality after SPM local time will be credited to your Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103 Carol Stream, IL 60197.6103. Please allow 7.10 days for delivery. If your payment is returned unpaid, we reserve the rig~it to resubmit it as an elecronic debit. NOTFCE: SEE REVERSE SIDE FOR IMPORTANT fNFORMATION Dt~'`vE ' - - - ~zr- .. _ . - -- - You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through o customer service representative by calling 1-800.347-2683. Automatic payments wilt be deducted on the Payment Dua Data unless you request a recumng payment date (e. .the 15th day of the month} that occurs before your Payment Due Date. If your scheduled payment date krlla on a weekend or bank holiday, your payment will be processed the business dayprior to the weekend or bank holiday. In order to schedule monthly payments b telephone, you writ need this statement and your bank account information. You will be asked to rovide the last four (4~digi s of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each p ertt you authorize, in the amount selected by you, from your bank account. You also outhorrze us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You cart cancel a scheduled payment by phone at 1.800.347.2683 or by mail at Discover, PO Box 30421, SaN Lake City, UT 84130-0421; however we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much rt wtA be. You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for: (t) statement New Balanea, (ii} statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a Fixed dollar amount. If your scheduled fixed payment is not enouggh to cover the Minimum Payment Due as listed on your monthly billing statement, your uheduled payment For that month will 6e increased to cover the Minimum Payment Oue. IF the scheduled payment rs ggreater than the Minimum Payment Due, any excess will be appPlied in accordance with your Cardmember Agreement. IF"your uhedulad payment is greater than the New Balance on your brlltn statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after 14re Closing Date. If you enroll by phone in our automatic payment service, please RII-in the following blanks bebw and retain the authorization for your records. Amount: ^ Full Pay ^ Min Pay ^ Min Pay+ $ ^ Fixed Pay$ , Bank Routing #: ;Bank Account #: ;Frequency: Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit re rt. We normally report the status and payment history of your Account to credit reporting agencies each month. If u believe that our repair is inaccurate or incomplete, please write us at the following address: Divover, PO Box 1531 b, rlmingfon, DE 1 98 5 0-5 3 1 b. Please indicate your name, address, home telephone number and Account number. Paying Interest: We be into impose Interest Charges on all transactions ham the Transaction Date for the transaction shown on your billing statement, unless a transaction is posted to your Account after the close of the billing period in which N occurs, in which case we begin to impose interest charges on that transaction from the first day of the billing period in which it is posted to your Account. We continua to impose 4Merest Charges anti{ the dote you pay your entire New Balance shown on your billing statement by making payments or receiving credits. If you paid the New Balance on your previous billing statement by the Payment Due Date shown on that billing statement, we wit{ not im ose Interest Charges on new purchases, that is, purchases first appearing on the current billing statemenF, or anX portion o~a new purchase, Paid by the Payment Due Date on your current billing statement. We call this the °grace period. It is not lass than 25 dayyss. There is no grace period on balance transfers or cash advances. As more fully described in the section of your Cardmember Aggreement titled "How We Apply Payments," we generally apply payments to your Account based on the APR applicable to iFe balance of each fransoc con category. This means that rf you o not pay the New Balance on the current riling statement by the Payment Due Data shown on tff~rat billing statement, then, depending on the amount of your payment and the APRs on ocher balances, you may not get a grace period on new purchases. AnnuaE Fee. IF your Account has an annual fee, it will be billed at the beginning of each anniversary year our Account is open. The amount of the fee appears on the statement when the fee is b71ed. The annual fee is not reFundyoble unless,.you notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the fee is billlled. You will receive this refund even if you use your Card during that period. Now We Cakvlate Interest Charges - patty Balance Method (including current hansactionsl: We figure Interest Charges for each billing period. To do this: • We calculate your interest Charges separately for each balance subject to different terms (for example, standard purchases, standard cash advances and each purchase, balance transfer and cash advance balance subject to promotional terms). We refer to these balances as transaction categories. • Wa figure the "daily balance" for each transaction category. To get the "daily balance" we take the beginning balance for a«h day, add any new transactions and fees and any Interest Charges accrued on the previous day's daily balance. We then subhact any credits and payments and make other adjustments (including those adjustments required in the section hued "Paying interest"). In calculating the Boily balance for the first day of the bil~ing period, eve consider the "previous day's doily balance" to have been your balance on the last day of your previous billing period. This gives us the daily balance for each transaction category. • We figure the Interest Charges on your Account by multiplying the daily balance for each transaction category by its daily periodic rate, for each day rn the billing period. • The total Interest Charges for the billing period are the sum of the daily Interest Charges for each transaction category for each day during that billing period. When we calculate daily balances, we add a new fransaction as of the Transaction Dafe shown on your billing statement, unless the transaction is posted to your Account after the close of the billir~q period in which it «curs, in which case the transaction will be added to the dadv balance as of the first day of the bung period in which it is posted to your Account. All fees charged to your Account are added to the standard purchase hansaction category with the exception of Cash Advance Fees which are added to the applicable cash advance transaction category and Balance Transfer Fees which are added to the applicable balance transfer transaction category. GedB Balances. if your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more otter 6 months, or as otherwise required by applicable law. For TDD (Telecommunications Device for 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 Dixover Bank, Member FDIC OtTF1K17z QU6St1011lS? Visit www.Discover.corn or D15C~VER call 1-800-DISCOVER (1-800-347-2683J. DISCOVER New Balance Minimum Payment Due $15,032.07 5362.00 Payment Due Date October 15, 2010 20 SDSN8A01 0013658 KENNETH GENTRY 22 ASHBURG DR MECHANICSBURG PA 17050-8203 Account Number ending in 9139 Enter Amount Enclosed Below ~~~ Poy online of www.Discover.com or make check payable to Discover. Phone and internst payments must be made by S:OOpm ET For same day posting. Text APP to DISCOV' to receive a link to our free mobile app and pay your bill in seconds from anywhere! PO Box 71084 IIIrr,ll~rrrrlrillrrrlrrlrl CHARLOTTE NC 28272-1084 Address, e-mail or telephonechange$ lulrllulnrl,lluriu~r~rnllllnrlnlnlulln~nlrtlr~ull Go to www.Diseovsr.com ar print change in space above. 000001986458932953553150320700000000038200 Opening Date: August 21, 2010 - Closing Dale: Discover More Card Account Summary Account number ending in 9139 Previous Bakance $15,051.71 Payments And Credits - 381.00 purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged + 361.36 Pees Cha d + 0.00 New Ba ante ~ 15,032.07 See Interest Charge Calculation section following transactions for detailed APR information Credit line $15,500.00 Credit line Available $467.00 Cash Advance Credit Line $7,300.00 Cash Advance Credit Line Available $467.00 Cashbock Bonus® Anniversary Month October Opening Cashbaek Bonus Balance $ 10.89 New Cashback Bonus This Period + 0.00 Cashlxtck Bonus Balance $ 10.89 To kern more, fog in ai wrww.Diseover.eom 3 Easy Ways to Contact Us 1. Access your account securely at www.D'neovereom 2. Call 1$00-DISCOVER (1-800-347-2683) Please have your Discovere card available 3. Write to us of Discover, PO Box 30943, Sah Lake City, UT 84130 (Not a paymerd address) For payments,~please send to address on remittance or Discover, PO Box 6103, Carol Stream, Il 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800.347.7449. 20, 2010 page 1 of 3 Payment Information New Balance $15,032.07 Minimum Payment Due $382.00 Payment Due Dale October 15, 2010 lava PoyrlwM 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 baMnea transfer APRs for new transactions may be increased up to the Penalty APR of 29.999e variable. Minimum PaymerM Warning: IF you make only the minimum payment each period, you will pay more in interest and it will take you bnger to pay off your balance. For example: k e ~ ~,,.yc ,yly:.y,~:o%s • ^ 1;?:a .Fk~ ::.Sv:£~Z?FRYftL< .:3~4'.•n "x Aitis.: Only the minimum 62 years $149,613 payment $623 3 years 22, 30 auto s = $127,183 if you would like information about credit counseling services, call 1-800-347-1121. Manage Your Account Online at www.Discover.axrl • Access free online tools like Paydown Planner to create a phn to pay down your balance, securely access statements, pay bills online and easily frock all transactions • Make your money worth morel-find nosy ways b earn and redeem cash rewards • NEW I Access your account securely through your mobile phone Transactions Trans. Post Dais Daro Paymanta and C»dits Sep 14 Sep 14 INTERNET PAYMENT • THANK YOU $ •381.00 fees TOTAL FEES FOR TFdS PERK)D $ 0.00 lnro»st Charged INTEREST CHARGE ON PURCHASES $ 361.36 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR 7FRS PERIOD 361.36 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC....: EIS -~--r~ . _ Paper#ess stafiemenfis 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 email or text messages on your mobile phone. • Print a paper copy of your statement anytime. • Sign up today at Discovercom/paperless ®2010 Discover Bank, Member FDIC PgPER.0310 2010 Totals Year-to-Date TOTAI FEES CHARGED IN 2010 $ 0.00 TOTAL INTEREST CHARGED IN 2010 2,975.55 y O 2 m D o_ 0 0 w m QU@StIOnS? Visit voww.Discover.com or ~~JC®VER call 1-800-DISCOVER (1-800-347-2683. DISCOVER' Irpaysro KENNETH GENTRY S ; VER• Account number ending in 9139 page 2 of 3 Interest Charge Calculation Your Annual Percentage Rote (APR) is the annual interest rate on your account. Current Biting Period: 31 days ~ PERCENTAGE TYPE OF BAWNCE ~ E ECC TO ~ RAT INTEREST CHARGE { ~ IMERES I E Purchases 25.24% V $698.77 $14.97 Past Purchases 2$.24% V $14,441.75 $346.39 Cash Advances 29.99% V $0 $0 V .Variable Rate Additional Important Mformalion. See your Car'dmanbor Agreement. Your Cardmember Agreement contains all the terms of your Account. lost or stolen cards. Report immediately! Cap 1.800.347.2683, iNhat To Do tf You Pisink Yev find A Miatalc~ Chr Your Statement If you think Ihera 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 follownng information: • Account information: Your name and account number. • Dollar_amount: The dollar amount of the suspected error. • De eri Lion of Problem: lF you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mists ce. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors in wriFi .You may call us, but if you do we are not required to investigate arty 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 coked the gmount 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 rdated 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 unpald amount against your credit limit. Your Riofrls If Yoa Are DiaaatiaFred 1A/•fh Your Credit Card Aurrlreaea If yov are dissatisfied with the goods or services that you hove purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, yov may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made In your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the comparry that solo 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 wish a check that accesses your credit card account do not qualify. 3. You must not yet have fully pgid For the purchase. if all of the criteria above are met and you are still dissatisfied with the purchase, contact us inin w~itina at: Discover, PO Box 30945, Sak Lake City, UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above. Aker 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 elf or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Dale. Send only your payment and the top portion of this statement in the envebpe pprovrded. Do not send cash. By sanding your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your cheek or to process the payment as a check transaction. If p ent is processed as an electronic Fvnd transfer, the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back From your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send tfre payment to arty other address or iF you use an envelope other than the one provided. Payments received m proper form at our processing faeifify by 5PM focal time on any dayy will be credited fo your Account as of Nwf day. Payments received at our processing faalrfy aker 5PM local time vnll be credited to your Account as of the next day. If you have misplaced yew envelope, send your payment to Discover, PO Box 6103 Carol 5heom, Il 60197.6103. Please allow 7-10 days for delivery. IF your payment rs returned unpaid, we reserve the rig~T to resubmR if as an a-ecironic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC~i/ER You can pay your momhly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by eoliing 1-804347.2683. Automatic payments will be deducted on the Payment Due Dote unless you request a recurring pa aril date {e.. the 15th desy of the month) that occurs before your Payment Due Date. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the bwtness day prior fo the weekend or bank holiday. In order to schedule monthly payments b telepphone, you wtli need this statement and your bank account inFormation. Yov will be asked to provide the last four {4~digi}s of the social security number of the primary borrower. By providing those numbers os your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each pa ertt you authorize, in the amount solected by you, From your bank account. You also authorize us to initiate debit or c it entries to your bank account, as applicable, o correct an error in the processing of such poyment. You can cancel a scheduled payment by phone at 1.800.347-2683 or by mail at Discover, PO Box 30421, Solt lake City, UT 841340421; however we must receive notice al IeasF three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much d will be. You must ensure that sufficient funds are availab a in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for: {i) statement New Balance, (ii) statement Minimum Payment Due, {iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed doNar amount. If your scheduled fixed payment is not enouggh to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month wilE be increased to cover the Minimum Payment Due. If the scheduled payment is realer than the Minimum Payment Due, any excess will be appplied in accordance with your Cardmember Agreement. I~yovr scheduled paymenf is greater than the New Balance on your btlltn statement, that payment will be processed only For the amount of your Mew Balance. Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments aRer the Closing Date. lF 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 + $ ^ Fixed Pay$ , Bank Routing #: ;Bank Account #: :Frequency: Credit 8eporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other dektuks on your Account may be reflected in your credit re rf. We normaGy report the status and payment history of your Account to credit reporting agencies each month. IF you be lave that our report ~s inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, 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 all transactions From the Transaction Date for the transaction shown on your billing statement, unless a transaction is posted to your Account after the close of the billing period in which it occurs, in vvhich case we begin to impose interest charges on thaF transaction from the first day of the billing period in which it is posted to your Account. We continue to impose Interest Charges until the date yyou pay your entire New Balance shown on your billing statement by making payments or receiving credits. If you paid the New Balance on your previous billing statement by the Payment Due Dote shown on that billing statement, we will not impose Interest Charges on new purchases, that is, purchases first appBaring on the current billing statement, or anX portion of a new purchase, paid by the Payment Due Date on your current billing statement. We call this file "grace period. It is not less than 25 days There is no grace period on balance Transfers or cash advances. As more fully described in the section of your Cardmember Agreement titled "How We AppIY Payments," we generally apply p ants to your Account based on the APR applicable To the balance of each transaction category. This means that if you do not pay the New Balance on the current billing statement by the Payment Due Date shown on that biting statement, then, depending on the amount of your payment and the APRs on other balances, you may not get a grace period on new purchases. Annual Foe. IF your Account has an annual fee, it will be billed at the beginning of each anniversary year our Account is open. The amount of the fee appears on the statement when the fee is billed. The annual fee is not reEundyable unless you notefy us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the fee is billed. You wiU receive this refund even if you use your Card during that period. How We Calculate interest Charges -Deify Balance Method {inducting current transactions): We figure Interest Charges for each billing period. To do this: • We calculate your Interest Charges separately for each balance subject to different terms (for example, standard purchases, standard cash advances and each purchase, balance transfer and cash advance balance subject to promotional terms). We refer to these balances as transaction categories. • We figure the "daily balance" for each hansacfion category. To get the "daily balance" we take the beginning balance for each day, add any new transactions and fees and any Interest Charges accrued on the previous day's daily balance. We then subtract any credits and payments and make other adjustments (including those adIustments required in the section titled "Paying (merest"). In calculating the daily balance for the first day of the billing period, we consider the "previous day's daily balance" to have been your balance on the last day of your previous billing period. This gives us the daily balance for each transaction category. • We figure the Interest Charges on your Account by muNiplying the daily balance for each transaction category by its daily periodic rate, for each day in the billing period. • The total Interest Charges Eor the billing period era the sum of the daily Interest Charges for each transaction category for each day during that billing period. When we calculate daily balances, we add a new transaction as of the Transaction Date shown on your billing statement, unless the transaction is posted to your Account after the cbse of the billing period in which it occurs, in which case the hansacfion will be added to the daily balance as of the first day of the billing period in which it is posted to your Account. All Fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Fees which are added to the applicable cash advance transaction category and Balance Transfer Fees which are added to the applicable balance transFer hansaction category. Credit Balarxes. 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. Yov mayy make chessges against this amount 'sE your Account fs open. We will send you a refund of any remaining balance of $1.OD or more aRer 6 months, or as otherwise required by applicable krv. For TDD {Telecommunications Device for the Deaf) assistarrce, please call 1.800-347-7449. Discover may monitor and/or record telephone calls between you and Discover represematives for quality assurance purposes. The Discover®wrd is issued by Discover Bank, Member FDIC O~TBKi72 Questions? visit www.Discover.com or p~SCeV~R call 1-800-DISCOVER (1-800-347-26f33). I DISCOVER' ~_ Information For You When making payments, please send a check with your payment coupon to the addross we provided on your statement. This will help you avoid additional interest charges and/or Iota payments, as R can take additional time to process and credit cash payments and payments sent to a different address. The Additional Important Information section on your statement provides specific details. TION DISCOVER siaeia~~as 20 SDSNBA010013659 KENNETH GENTRY 22 ASHBURG DR MECHANYCSBUR6 PA 17050-8203 Minimum Payment Due Account Number ending in 9139 $369.00 Enter Amount Enclosed Bebw Payment Due Date November 15, 2010 Pay online at www.Discover.com or make check payable fo Discover. Phone and internal payments must be made by S:OOpm ET For same day posting. Text APP to DISCOV• to receive a link to our free mobile app and pay your bill In seconds from anywhere) PO BOX 71084 ~I~rrrllsrrrrli~~lnrlnlr~ CHARLOTTE NC 28272-1084 Address, o-mail or telephone change$ )alit)u)ur)illur)u)r)iri)))lur)u)uln))ulu)rr)rlu)1 Go to www.Diseover.eom or print change in space above. 0000019864589329535537,49146500000000036900 Opening Date: September 21, 2010 - Dosing Dafe: October 20, 2010 ,Discover More Card Account Summary ', Account number ending in 9139 Previous Balance $ 15,032.07 Payments And Credits - 465.81 'Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged + 348.39 Fees Charged + 0.00 New Balance 14,914.65 ;See Interest Charge Cakulation section fo llowing transactions for detailed APR information Credit line $15,500.00 criaclitLirii~ Available $565.00 Cash Advance Credit Line $7,300.00 Cash Advance Credit Line Available $585.00 CashbaC ~anUSe Anniversary Month October Opening Cashback Bonus Balance $ 10.89 New Cashback Bonus This Period + -0.20 Cashback Bonus Blanca $ 10.69 To learn more, log in or www.Discover.com 3 Easy Ways to Contact Us 1. Access your account securely at vvww.Discover.com 2. Call 1.800.DISCOVER (1.800.347-2683 Please have your Discover®wrd availab e. 3. Write fo us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Caro! Stream, IL 60197.6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800.347.7449. aaae 1 of 3 Payment Information New Balance $14,914.65 Minimum Payment Due $369.00 Payment Due Date November f 5, 2010 late Payment Waling: 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. fNininwm 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 you balance. For example: ;:.; . ;,; ~x C ."Si,.~s. <t{lfy~{R14i?::a..: Y ;yq,~.+~ Fy:..: . ... ~ {Si'y %. . i;kf.~y'}, jw '..4f1F.i~y IFS. ~ E . ~ 'it'~.": x ;i?S ~Y1 : r "~ ~~M~~ICfl1f~ ~ ~: > '~ . ~ ~ . . q2 fi>,...:: ; ~: i..:.a,' a Only the minimum 61 years $147,408 payment $619 3 years 22'277 avin s = $125,131 ) If you would like information about credit counseling services, call 1-800.347-1121. Manage Your Account Online at www.Discover.com • Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily hack all transactions • Make your money worth morel-find easy ways fo earn and redeem cash rewards • NEWT Access your account securely through your mobile phone Transactions Trans. Post Data DaM Payments and Credits Sep 21 Sep 23 CARNIVAL CRUISE 4 i RM57 MIAMI FL $ -83.81 Oct l5 Oct 15 INTERNET PAYMENT -THANK YOU -382.00 Fees TOTAL FEES FOR THIS PERIOD $ 0•~ Interest Charged INTEREST CHARGE ON PURCHASES $ 348.39 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR 7FHS PERIOD 348.34 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC: VER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable, password protected statements. • See your statement as soon as if's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. • Sign up today at Discovercom/paperless ®2010 Discover Bonk, Membe. FDIC PAPER.0310 2010 Totals Year-to-Date TOTAL FEES CHARGED !N 2010 $ 0.00 TOTAL INTEREST CHARGED IN 2010 3,323.94 Z m D o_ 0 0 w v Questions? Visitwww.Discover.oom or DISG~VER call 1-800-DISCOVER (1-800-347-2683J. DISCOVER irpaysro KENNETH GENTRY 1~C Account number ending in 9139 page 2 of 3 Interest Charge Calculation Your Annual Percentage Rote APR} is the annual interest rate on your account. Current Oiling Period: 30 days TYPE OFBAIANCE ~ U C[~17AGE EGTTO WiERESTCHARGE ~ I~~ Purchases 25.249b V $338.45 $7.01 Past Purchases 28.24% V $14,707.41 $341.38 Cosh Advances 29.99% V $0 $D V =Variable Rate Add'd'rond important fnFormation. See your Cardmsmber Agreement. Your Cordmember Agreement contains all the terms of your Account. lost or stolen cards. Report immediately) Call 1-800-347-2683. What To Do if You Think You Find A AAistake Ctn Your Staferrrenf If you think there is an error on your statemend, write to us at: Dixover, f'O Box 30421, Salt Lake City, UT 84130A421. In your IeHer, give us the following information: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Descri ti of Problem: If you think there is an error on your bill, describe what you believe is vrrong and why you believe it is a mists ce. You must contact us within b0 days after the error appeared on your statement. You must notify us of orry potential errors in~~na You may call us, but if you do we are not required to invesiigafa any parentis! errors and you may have to poy~urd in question, While we investigate whether or rte there hw been an error, the falbwing ore true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • Tire 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 mode a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. • While you do not have to y the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. Your Rights if You Are {kssofi Wifh Ywrr Credit Card Purchases If you are dissatisfied with the goads or services that you have purchased with your erodit card, and you have hied in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the folbwing must ba true: 1. The purchase must have been made in your home state or within 100 miles of your current moiling address, and the purchase price must have been more than $50. {Note: Neither of these era neceswry if your purchase was based on an advertisement wre mailed to you , or if we own the company that sold you the goods or services. 2. Yov 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 aecaunf do not qualify. 3: Yov musF not yet have fully paid For the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, corriact us i~ writing at: Discover, PO Box 30945, Salt Lake City, UT 841340945 While we investigate, the same rules apply to the disputed amount as discussed above. Aker we finish our investigation, we will tell you our decision. AF 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 Aeeount balance at any time. However, you must pay at Isasf the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope provrded. Do not send cash. By sending your check as tlescribed above, you authorize us fo use information on your check to make an electronic fund transfer from your account of the financial Institution indioaFod on your check or to process the Payment as a check hansaetion. If pa eat is processed as an electronic fund honsFsr, the transfer will be far the amount of the check. When we use information from your check to make art electronic Fund hansfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial inditu-ion. The processing of your payment maybe delayed iF you send cash, correspondence w other ffems with your payment, if you send the payment o an other addressor iF you use an enveope other than the one provided. Payments received m proper form at our processing facility 6y SPM local Bme on any ~y will be credited to r Account as of that day, Payments received at our processrng Fa<ihly aher 5PM kxal time will 6e credited to your Account as of the nerd day. If you have misplaced yyoouur envelope, send your payment to Discover, PO Box 6103 Carol Sheam, IL 60 1 97-01 03. Please albw 7~ 10 days for del'ivey. If your payment is returned unpaid, we reserve the rigfif to resubmit it as an eleeh'onie debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC`. R You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the Felephone or you can setup automatic payments through a customer service representative by calling 1-800.347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurringg payment date (e. .the 15th day of the month) that occurs before your Payment Due Data. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday, In order to schedule monthly payments telephone, you will need this statement and your bank account information. You will be asked t_ o provide the last Four (4~digits of the social security number of the primory borrower. By providing those numbers as your electronic signature, you will be ogreefng to this authorization fo allow us and your bank to deduct each pa aril you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or cr it entries to your bank account, as applicable, o correct an error in the processing of such payment. You can cancel a scheduled payment by phor>a at 1.800.347.2683 or by matt at Discover, PO Box 30421, Salt Lake City, UT 84130.0423; 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 billing statement when your payment will be made and how much it will be. You must ensure that sufficient funds are available in your bank account, and a!1 transactions must comply wish U.S. law. You can set automatic payments for: (i) statement New Balance, (ii}statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv} a fixed dollar amount. IF your scheduled fixed payment is not enouggh to cover the Minimum Payment Due as listed on your monthly billing stotement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greefer than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. IFyour scheduled payment is greater than the New Balance on your btfl~r~g statement, that payment will be rocessed only far the amount of your New Balance. Your automatic payment amount maybe less than the amount indicated on the periodic stotement based on credits or payments aRer the Closing Date. If you enroll by phone in our outomatic payment service, please Fill•in the following blanks below and retain the authorization for your records. Amount: ^ Full Pay ^ Min Pay ^ Min Pay + $ ^ Fixed Pay$ , Bank Routing #: ;Bank Account #: ;Frequency: Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other deFaults on your Account may be refteded in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you be it eve that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 15316, Wilmington, DE 1 98 50-53 1 b. Please indicate your name, address, home telephone number and Account number. Paying lntsresM We begin to impose Interest Charges on all transactions from the Transaction Dote for the transaction shown on your billing statement, unless o transaction is posted to your Account after the close of the billing period in which it occurs, in which case we begin to impose interest charges on that transaction kom the first day of the billingg ppeeriod in which it is posted to your Account. We continue to impose Interest Charges until the date you pay your entireTlew Balance shown on your billing statement by making payments or receiving credits. IF you paid the tVew $alance on your previous billing statement 6y the Payment Due Dote shown on thot billing statement, we will not impose Interest Charges on new purchases, that is, purchases first appearing on the current billingg statement, or anY portion of o new purchase, paid by the Payment Due Date on your current billingstatement. We call this tfie "grace period.' It is not less than 25 days. There is no ~mce period on balance transfers or cash advances. As more fully described m the section of your Cardmember Agreement titled "How We Apply Payments," we generally apply payments to your Account based on the APR applicable to the balance of each transaction categgory. This means that iFyou do not pay the New Balance on the current billing statement by the Payment Due Date shown on that billing statement, then, depending on the amount of your payment and the APRs on other balances, you may not get a grace period on new purchases. Annual Fee. If your Account has an annual fee, it will be billed aF the be inning of each anniversary year yyour Account is open. The amount of the fee appears on the statement when the fee is billed. The annual fee is not refundable unless you not~Fy us that you wish to close your Account within 30 days of the matting or delivery date of the statement on which the fee is bif~lled. You will receive Phis refund even if you use your Card during that period. How We Calculate tnferest Charges -Daily Balance Method {including current hansacfions}. We figure Interest Charges for each billing period. To do this: • We calculate your Interest Charges separately for each balance subject to different terms (for example, standard purchases, standard cash advances and loch purchase, balance transfer and cash advance balance subject to promotional terms}. We refer to these balances as transaction categories. • We figure the "daily balance" for each transaction category. Ta get the "daily balance" we take the beginning balance for each day, add any new hansadions and fees and any Interest Charges accrued on the previous day s daily balance. We then subtract any credits and payments and make other adjustments (including those adjustments required in the section titled "Paying interest"j. In calculating the Bally balance for the first day of the bil~ing period, we consider the "previous day's daily balance" to hove been your balance on the last day of your previous billing period. This gives us the daily balance for each transaction category. • We figure the Interest Charges on your Account by multiplying the daily balance for each transaction category by its daily periodic rate, for each day m the billing period. • The total Interest Charges for the billing period are the sum of the daily Interest Charges For each transaction category for each day during that billing period. When we calculate doily balances, we add a new transaction as of the Transaction Date shown on your billing statement, unless the transaction is posted to your Account aker the close of the billing period in which it occurs, in which case the transaction will be added to the dolly balance as of the first day of the billing period in which it is posted to our Account. All Fees charged to your Account are added to the standard purchase transaction cotegory with the exception of Cash Advance fees whit are added to the applicable cash advance transaction category and Ballance Transfer Fees which are added to the applicable balance transfer transaction category. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make chargges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more aRer b months, or as otherwise required by applicable law. For TDD (Telecommunications Device for the Deaf} assistance, please call 1-800-347.7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover©card is issued by Discover Bank, Member FDIC O1TBK172 QU@StIO11S? Visitwww.f)iscover.com or DISC®vER call 1-800-DISCOVER (1-800-347-2683). ,._ DISCOVER Information For You When making payments, ploase send a check with your payment coupon ro the address we provided on your statement. This will help you avoid additional interest charges and/or late payments, as it can lake additional time ro process and credit cash payments and payments sent ro a different address. The Additional Important Information section on your statement provides specific details. DISCOVER New Balance Minimum Payment Due S 14,904.48 5380.00 Payment Due Date December 1 S, 2010 20 SDStJ6A01 0019660 KENNETH GENTRY 22 ASHBURG DR MECHANICSBURG PA 17050-8203 Account Number ending in 9139 Enter Amount Enclosed Below Pay online at www.Discover.com or make check payable ro Discover. Phone and intemet payments must be made by S:OOpm ET for same day posting. Te1RAPP to DISCOV• to receive a Ilnk to our free mobile app and pay your bill In seconds from anylivheret PO BOX 71084 Illnrllnrulrlllu~lulrl CHARLOTTE NC 28272-1084 Address,e-mail ortelaphonechangefl InlJln~wlrllrululr~enllllndnlrrluilnln~rrlrlnll Go to www.Discover.com or print change in space above. OD0001986458932953553149044800DDOOD00380D0 Opening Date: October 21, 2010 - Dosing Date: November 20, 2010 Discover lNore Card Accoun# Summary Account number ending in 9139 Previous Balance $14,914.65 Payments And Credits - 370.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged + 359.83 Fees Charged + 0.00 New Balance 14,904.48 See Interest Charge Calculation section following transactions for detailed APR information Credit Line $15,500.00 Credit line Available $595.00 Cash Advance Credit line $7,300.00 Cash Advance CredR Line Available $595.00 CCiSt11X1C1C purNJS® Anniversary Month Ckrober Opening Cashback Bonus Balance $ 10.69 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 10.69 To learn more, log in m www.Diswvetcom 3 Easy Ways ro contact Us l . Access your account securely at wwwAiscover.com 2. Call 1-S00-DISCOYER (1.800347-2683) Please have your Discover®card avoilab . 3. Write to us aF Discover PO Box 30943, Sak Lake City, UT 841 §0 (Not a payment address) For payments, please send ro address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800.347-7449. frogs 1 of 2 Payment Information New Balance $14,904.48 Minimum Payment Due $380.00 Payment Due Date December 15, 2010 hale Payment Wmrring: IFwe do not receive your minimum payment by the date listed above, you may have ro pay a Iota fee of up ro $35.00 and your purchase and balance transfer APRs for new transactions moy be increased up to the Penaly APR of 29.9990 variable. Mininum Payrrrarrt Warning: If you make on{y the minimum poymenf each period, you will pay more in interest and it will pay off your balance. For example: take yo~ bnger to y q~ t~Qx~eA~~~~~fi'J~4..~ '. ~.. ~. ..:?:t'~:: ~ ~ 'f:: .,: ' b ' ~..,..s o ~~ ' ~.~i' >~: iS~F'S. `..3ff£d:RS:Si,~'q '. Only the minimum 61 years $147,210 payment $618 3 years 22,263 avings = $124,947 IF you would like information about credit counseling services, mil 1-800.347.1121. Manage Your Account Online at www.Diuovar.cam • Access free online toils like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily hack all transactions • Make your money worth mores^'i-find easy ways ro earn and redeem cash rewards • NEWT Aeeess your account securely through-your mobile phone Translnctions Trans. Post Data Dab Paymenh and Crodits Nov 14 Nov 14 INTERNET PAYMENT -THANK YOU $ -370.00 Feea TOTAL FEES FOR THIS PBt10D $ 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 359.83 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERK)D 359.83 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION D1SClVER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable, password protected statements. • See your statement as soon os it's ovaiiable rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. I • Print o poper copy of your statement anytime. • Sign up today at Discovercom/paperfess ®2010 Diuovor Bank, Member FDK PAPER.0310 1 0 Z m D o_ 0 0 w 2010 Totals Year-to-Date o TOTAL FEES CHARGED IN 2010 $ 0.00 ~ TOTAL INTEREST CHARGED IN 20T0 3,683.77 QUeStiOr15~ Visit www.Discover.com or calf 1-800-DISCOVER ~1-800-347-2683). DISC®VER T- It pot's ro DISCOVER KENNETW GENTRY S Account number ending in 9139 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Bing Period: 31 days TYPE OF BALANCE ERCENTAGE ~~I ~ ECT TO B AMA ~ S U gJTERESi CHARGE ~R~ I ~ R ~ , Purchases 25.24% V $28.10 50.59 Past Purchases 28.24X V 514,977.16 5359.24 Cash Advances 29.99% V $0 50 V =Variable Rate Additional knportant Momration. See your Cardrnember Agroement. Your Cardmember I\greement contains all the terms of your Account. Lost or stolen cards. Report immediotelyl Call 1-800-347-2683. What To t9o If Yov Think You Find A Mistake On Your Statement IF yov 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 fdfowing information; • Account information: Your name and account number. • Dollar amount: The doper amount of the suspected error. • Desct Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mists e. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors inin wrfti .You may call us, but if you do we are not required to imresNgate any potential errors and you may hove ro pay tFe amount in question. While we imesRgate whether or rat there has been an error, the Following are true: • We cannot try to eolbct the amount in question, or report you as delinquent on that amount. • The charge in question ma remain on your statement, and we may continue to charge you interest on that amount. Bvt, 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 yov do not have to pay the amount in question, you ore responsible for the remainder of your balance. • We can apply any unpald amount against your credit limit. Your h-s If You Are t9fsaafiafied With Your Credif Card A,trshases If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith ro correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. 7o use this right, ail of the following must ba Prue: 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 $S0. lNote; 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 kom an ATM or with a check that accesses your credit card accovnf do not qualify. 3. You must not yet have fully paid fog the purchase. lE all of the criteria above are met and you are still dissatisfied with the purchase, contact us in win w^itina at: Discover, PO Box 30945, Salt Lake City, UT 84130-0945 White 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 chat point, if we think you owe an amount and you do not pay we may report you as delinquent. Payments. Yov may pay elf or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Date. Sand only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your check as described above, you authorize us to use information on your check to make an eectronic Fund transfer from your account at the financial institution indicated on your check or to pr«ess the payment as a check fransaction. If payment is pr«essed as an elecfronic fund transfer, the transfer will be for the amount of the check. When we use information ham your check to make on electronic Fund transfer, funds may ba 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 pr«essing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment o any other address or if you use an envelope other Than the one provided. Paymen received m proper farm at our processing facility by SPM I«al time on any dayy will be credited to your Account as of that day, Payments received at our processmg Facility after SPM local time wip be credited to ur Account as of the next day. If you have misplaced your envelope, send your pa ent fo Discover, PO Box 6103 Carol Stream, IE 60197-6103. Phase allow 7-10 days for delivery. If your payment is returned unpaid, we reserve the rfg(it to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION D'SC~VER .~- -_-- - - ter- _ ~ _~ You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800.347-2883, Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date (e.. the 15th day of the month) that occurs before your Payment Oue Date. If your scheduled payment dale falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b telepphone, you wdl 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 pnmary borrower. By providing those numbers as your electronic signature, you wilt be agreeing to this authorization to allow Us and your bank to deduct each payment you authorize, in the amount selected byy you, from your bank account. You also authonze us to initiate debit or credit entries to your bank account, as applicable, to toned 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, Sak lake City, UT 84130.0421; however we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthlyy billing statement when your payment wilt be made and how much it will be. You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for: {i) statement New Balance, {ii} statement Minimum Payment Due, (iii} statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount. IF your scheduled fixed payment is not enouggh to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled poyment is rooter than the Minimum Payment Due, any excess will be apd~I~ed in accordance with your Cardmember Agreement. If your scheduled payment is greater than the New Balance on your b'llm statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Dale. 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: ^ FaB Pay ^ Min Pay ^ Min Pay + $ ^ Fixed Pay$ , Bank Routing #: :Bank Account #: ;Frequency: Crodit Reporting. We may report information abouF your Account to credit bureaus. Late payments, missed payments, or other defauNs on your Account maybe reflected in your credit re rt. We normally report the status and payment history of your Account to credrt reporting agencies each month. If be lave that our report is inaccurate or incomplete, please write us of the following address: Discover, PO Box 15316, rlmington, DE 19850.5316. Please indicate your name, address, home telephone number and Account number. Paying Inferost: We beeggin to impose Interest Charges on all transactions From the Transaction Date For the transaction shown an your biting statement, unless a transaction is posted to your Account aRer the close of the billing period in which it occurs, in which case we begin to impose interest charges on that hansaction From the first day of the billing period in which H is posted to your Account. We continue to impose Interest Charges until the date you poy your entire IVew Balance shown on your billing statement 6y making payments or receiving credits. If you paid the New Balance on your previous billing statement 6y the Payment Due Date shown on that billing statement, we will not impose Interest Charges on new purchases, that is, purchases first apppearing on the current billingg statement, or an~ portion of a new ppurchase, cold by the Payment Due Date on your current billing statement. We call this tfie "grace period. It is not less than 25 d s. There is no race period on balance transfers or cash advances. As more fully described m the section of your Cardmember ggreement titled "How We Ap y Payments," we generally ap 1y pa ants to your Account based on the APR applicable to tFie balance of each transa~on category. This means that ~~you do not pay the New Balance on the current billing statement by the Payment Due Date shown on that brlling statement, then, depending on the amount of your payment and the APRs on other balances, you may not get a grace period on new purchases.. Annual Fee. If your Account has an annual Fee, it will be billed at the beginning of each anniversary year our Account is open. The amount of the fee appears on the statement when the fee is billed. The annual fee is not refundyable unless you notify us thot you wish to close your Account with;n 30 days of the mailing or delivery date of the statement on which the fee is bitted. You wilt receive this refund even if you use your Card during that period. How We Calculate krterest (~rarges -Daily Balance Method (~cluding current transactions}: We figure Interest Charges for each billing period. To do this: • We calculate your Interest Charges separa#ely for each balance subject to different terms (for example, standard purchases, standard cash advances and each purchase, balance transfer and cash advance balance subject to promotional terms). We refer to these balances as transaction categories. • We Figure the "daily balance" For each transaction category. To get the "daily balance" we take the beginning balance for each day, add any new transactions and fees and any Interest Charges accrued on the previous day's daily balance. We then subtract any credits and payments and make other adjustments (including those ad!'ustmenis required in the section titled "Paying Interest"}. In calculating the daily balance for the first day of the billing period, we consider the "previous day's daily balance" to have been your balance on the last day of your previous billing period. This gives us the daily balance for each transaction category. • We figure the Interest Charges on your Account by multiplying the daily balance for each transaction category by its daily periodic rate, for each day in the billing period. • The total lrrterest Charges Eor the billing period are the sum of the daily Interest Charges for each transaction category for each day during that billing period. When we calculate daily balances, we add a new transaction as of the Transaction Date shown on your billing statement, unless the transaction is posted to your Account after the close of the billing period in which it occurs, in which ease the transaction will be added to the daily balance as of the first day of the bi(Img period in which it is posted to your Account. All Fees charged ro your A«our>f are added to the standard purehose transaction eaFeeggory with the exception of Cash Advance Fees which are added to cha applicable cash advance transaction category and Baalance Transfer fees which are added to the applicable balance transfer transaction category. Credit Balances. If your Account has a credit balance, the amount is show;i on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more aRer 6 months, or as otherwise required by applicable law. For TDD (ieleeommunieations Device For the Deaf) assistance, please call 1-800-3d7-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. Tho Discovermcard is issued by Discover Bank, Member FDIC 01T8K172 Questions? vlslt www.Disccver.com or ~15C~VER call 1-800-DISCOVER (1-800-347-2683J. DISCOVER New Balance Minimum Payment Due 514,872.56 5369.00 Payment Due Date January 15, 2011 20 SOSN6A01 0013661 KENNETH GENTRY 22 ASHBURG DR MECHANICSBURG PA 17050-8203 Account Number ending in 9139 Enter Amount Enclosed Below Puy online ut www.Discover.com or make check payabb io Dtacover. Phone and intemet payments must be made by S:OOpm ET for same day posting. Text APP to DISCOV' to receive a link to our free mobile app and pay your bit! in seconds from anywhere! PO BOX 71084 ~{{sssi{srrrr{s{{{err{rs{s{ CHARLOTTE NC 28272-1084 Address,e-mail or telephoneehange? { ~ ~~u~iu~~{~in~u~r{ni~{~im~uin~u~~n~n~n{i~u~~ Go to www.Diseover.com or print change in space above. ~~ ~ 0000019864589329535531487256DDOOOD00036900 Opening Date: (Vanrember 21, 2010 - Closing Date: D Discover More Card Account Summary Account number ending in 9139 Previous Balance $14,904.48 Paymenh And Credits - 380.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged + 348.08 Fees Charged + 0.00 New Ba and 14,872.56 See Interest Charge Calculation section fdlowing transactions for detailed APR information Credo Ltrte $15,500.00 Credit Line Available $627.00 Cash Advance Credit Line $7,300.00 Cash Advance Credit Line Available $627.00 acember 20, ZO10 page 1 of 2 Payment Inkrmation New Balance $14,872.56 Minimum Payment Due 5369.00 Payment Due Date January 1 S, 2011 fats Payment Waning: If we do not receive your minimum payment by the date lied obove, 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 PenaNy APR of 29.99% variable. Mwsimum Paymwrf Waning: If you make only the minimum payment each period, you will poy more in irderest and it will take you longer to pay off your lxalanee. For example: S: kY~: : ~ J. t + Y. . .> s~• Only the minimum b l years $146,618 payment $617 3 years 22,216 vings = $124,402 If you would like information about credit counseling services, call 1-800-347-1121. Cash t{C i3onus® Anniversary Month October Opening Cashbaek Bonus Balance $ 10.69 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 10.69 To learn more, log in at www.Diseover.eom 3 Easy Ways to Contact lJs Manage Your Acwunt Online at www.Discover.com 1. Access your account securely at www.ti)ucovsr.com Access free online tools like Paydown Planner to create a plan 2. Call 1.800•DISCOVER (1-800.347-2683 fo pay down your balance, securely access statements, pay Please have your Discover®card availab a. bills online and easily track all hansactions 3. Write to us at Discover, PO Box 30943, Self Lake City U7 84130 {Not a payment address) Make your money worth moreSM-find easy ways to cam Fa payments, please send to address on remittance or and redeem cash rewards Discover, PO Box 6103, Carol 5heom, IL 601 97-6 1 03 NEW! Access your account securely through your For TDD {Telecommunications Device for the Deaf} mobile phone assistance, please call ]-B00.347.7449. Transactions Payments and Credits Trans. Post Dale Date Dec 15 Dec 15 INTERNET PAYMENT -THANK YOU $ -380.00 Fees TOTAL FEES FOR TH15 PERIOD $ 0.00 Mferest Charged INTEREST CHARGE ON PURCHASES $ 348.08 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 348.08 NOTICE: 5EE REVERSE SIDE FOR IMPORTANT INFORMATION D1SC~VER 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 maiEbox. • Get helpful payment reminders through email or text messages on your mobile phone. • Print a paper copy of your statement anytime. • Sign up today of Discovercom/paperless ®2010 Diuover Bank, Member FDIC PAPER.0310 2010 7otais Year-to-Date TOTAI FEES CHARGED IN 2010 $ 0.00 70TA1 INTEREST CHARGED IN 2010 4,031.85 O Z m D _o g w Questions? Visit www.Discover.com or p~SC®VER call 1-800-DISCOVER (1-800-347-2683. DISCOVER It 1~ to KENNETH GENTRY Account number ending in 9139 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Baling Period: 30 days TYPE OF 6ALANCE PERCENTAGE A N~ ~ TO CT R ~ ~ U INTEREST CHARGE ~~ ~ 4T IN T9tEti i E Purchases 25.24`b V $0.47 $0 PastPurchams 28.24X V $14,996.28 $348.08 Cash Advances 29.99 V SO $0 V =Variable Rate Additional Importarrt Mrforrrrotion. Sas your Cardmsmfssr Agroement. Your Cardmember Agreement contains all the terms of your Account. loaf or stolen cards. Report immediately) Call 1-800-347-2683. What To Do If You Tlslnk You Flnd A Misroke Cn Your S-afement If you think there is an orror on your statement, write to us at: Discover, PO Box 30421, Sak 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. • Dese i lion of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mists ce. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential errors You may call us, but if you do we are not required to Imrestigate any potentiaf errors and you may have to pay~unt in question. While we investigate whether or not there has been an ercor, 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 wilt not have to pay the amount in question or any interest or other fees related to that amount. • While you do not have fo pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. ]'our Rfybfa if You Aro Diaaatiafied ~Hr 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 Ehan $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we overt 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 r' ' at: Discover, PO Box 30945, Sak Laka City, UT 84130.0945 While we investigate, the same rules apply to the disputed amount as discussed above. Alter 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 leas# the Minimum Payment Due by the Payment Due Dale. Send only your payment and the top portion of this stalemerd in the envelope pprovided. Do not send cash. By sending your check as described above, you authorize us ro use information on your check to make an electronic fund transfer from your account at the Financial institution indicated on your cheek or to process the payment as a check transaction. If pa meat is processed as an electronic fund transfer, the transfer vviN be For the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn kom 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 6e delayed if you sand cash, correspondence or other items with your payment, iF you send the payment to any dher address or if you use an envelope other than the one provided. Payments received m proper form at our processing facility by 5PM lxal time on any ~qy writ be credited to your Account as of that day. Payments received at our processing facility aker 5PM kxal fime will be credited to your Account as of the next day. IF you trove misplaced your ernelope, send your payment to Discover, PO Box b T 03 Carol Sheam, Il 60197.6103. Please albw 7-10 days for delivery. If your payment is returned unpatd, we reserve the rig~it to resubmit it as an slechonic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISC. VER 7 You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-800-347-2683. Automatic payments will be deducted on the Payment Dve Date unless you request a recurring payment date (e. .the 15th day of the month) that occurs before your Payment Due Date. If your scheduled payment data falls on a weekend or bank holiday, your payment will be processed the busrness day prior to the weekend or bank holiday. In order to schedule monthly payments b teleepphone, you will need this statement and your bank account information. You will be asked to provide the last four (4~digih of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorisation to albw us and your bank #o deduct each pa eat you authorize, in the amount selected by you, from your bank account. You also authorize vs to initiate debit or credit entries to your bank account, as apPlieabb, o correct an error in the processing of such payment. You can cants! a scheduled payment by phone at 1.800.347.2683 or by mail at Discover, PO Box 34421, SaN Lake City, UT 84130.0421; however we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will left you on each monthly billing statement when your payment will be made and how much B will be. Ynu must ensure that sufficient funds are available in your bank account, and all fransactfons must comply with U.S. law. You can set automatic payments for: (iJ statement New Balance, (ii} statement Minimum Payment Due, (iii} statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount. If your scheduled fixed payment is not enouggh to cover the Minimum Payment Dua as listed on your monthly billing shstement, your scheduled payment for that month will 6e increased fo cover the Minimum Payment Due. If the scheduled payment is renter than the Minimum Payment Due, any excess will be applied in accordance with your Cordmember Agreement. IF your scheduled payment is greater than the New Balance on your billing statement, that payment will be processed only for the amourrt of your New Balance. Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. IF you enroll by phone in our automatic payment service, please Fill•in the following blanks below and retain the authorization for your records. Amount: ^ Full Pay ^ Min Pay ^ Min Pay + $ ^ Fixed Pay$ , Bank Routing #: ;Bank Account #: • Frequency: Gedit iteporting. We may report information about your Account to credit bureaus. late payments, missed payments, or other defauNs on your Account may be reflected in your credR r~po~t. We normally report the status and payment history of your Accourrt to credrt reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at iha foNowing address: Drscover, PO Box 1531 b, Wilmington, DE 19850.531 b. Please indicate your name, address, home telephone number and Account number. Payirg IMeresh We begin to impose Interest Charges on all transactions from the Transaction Date for the hansaction shown on your billing statement, unless a transaction is posted to your Account aker the class of the billing period in which it occurs, in whrch case we begin to impose interest charges on that transaction from the First day of the billing period in which it is posted to your Account. Wo continua to impose Interest Charges until the date you payyour entire New Balance shown on your billing statement by making payments or receiving credits. If you paid the Naw Balance on your previous billing statement 6y the Payment Due Data shown on that billing statemard, we will not impose Interest Charges on new purchases, tfiaf is, purchases first appeering on the current billing statement, or anX portion of a new ppuurchase, paid by the Payment Due Date on your current billing statement. We call this the "grace period. Nis not less than 25 days. There is no grace period on balance transfers or cash advances. As more fully described in the section of your Cardmember ggreement titled "How We Apply Payments," we generally apply pa meats to your Account based on the APR applicable to tTie balance of each transaction category. This means that iF you do not pay the New Balance on the current btllmg statement by tfae Payment Due Date shown on That b~llmg statement, then, depending on the amount of your payment and the APRs on other balances, you may not get a grace period on new purchases. Annual Fee. IF your Account has an annual Fee, it will be billed of the be inning of each anniversary year our Account is open. The amount of the Fee appears on the statement when the fee is billed. The annual tea is not refundyable unless you notrfy us that you wish to close your Accoun! within 30 days of the mailing or delivery date of the statement on which the fee is billed. You will receive this refund even if you use your Card during that period. How We Calculate Interest Charges -Daily Balance Method (including currant transactions): We figure Interest Charges for each billing period. 7o do this: • We calculate your Interest Charges separately for each balance subject to different terms (for example, standard purchases, standard cash advances and each purchase, balance transfer and cash advance balance subject to promotional terms}. We refer to these balances as transaction categories. • We figure the "daily balance" for each transaction category. To get the "daily balance" we take the beginning balance for each day, add any new transactions and fees and any Interest Charges accrued on the pprevious day's daily balance. We then subtract any credits and payments and make other adjustments (including those adJ'ustments required in the section tilled "Paying InteresP'}. In calculating the daily balance for the first day of the billing period, we consider the "previous day's daily balance" to have been your balance on the last day of your previous billing period. This gives us the daily balance for each transaction category. • We Figure the Interest Charges on your Account by multiplying the daily balance for each transaction category by its daily periodic rate, for each day in the billing period. • The total Interest Charges for the billing period are the sum of the daily Interest Charges for each transaction category For each day during that billing period. When we calculate daily balances, we add a new transaction as of the Transaction Date shown on your billing statement, unless the transaction is posted to your Account after the close of the billing period in which it occurs, in which case the Transaction will be added to the darty balance as of the Nrst day of the billing period in which it is posted to your Acwunt. All fees charged to your Account are added to the standard purchase transaction category with the exception of Cash Advance Fees which are added to the applicable cosh advance transaction category and Balance Transfer fens which are added to the applicable balance transfer transaction category. Gedit Balances. If your Account has o credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You mayy make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.OD or more after b months, or as otherwise required by applicable law. For TDD (Telecommunications Device for the Deaf) assistance, please call 1-8 00-3 47-74119. 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 O1TBK172 QU~St1O11S? Visit www.Discover.com or DISC~VEit call 1-800-DISCOVER (1-800-347-2683). DISCOVER Naw Balance Minimum Payment Due $14,875.88 5379.00 Payment Due Date February 15, 2011 20 SOSN6A01 0013862 KENNETH GENTRY 22 ASHBURG DR MECHANICSBURG PA 17D50-820$ Account Number ending in 9139 Enter Amount Enclosed Below Pay online at www.Discover.com or make check payable to Discover. Phone and intomet payments must be made by S:OOpm ET For same day posting. Text APP in DISCOV" to receive a Zink to our free mobile app and pay your bill In seconds from anywheret PO BOX 71084 I~~url~ures~rll~udulJ CHARLOTTE NC 28272-1084 Address,e~mailortelephonechange8 Inlr~lnlurlr~~nrlrrlrlnrllllsnlnln~nllulnlulrlu~l Go to www.Discmrorean or print change in space above. 000001986458932953553148758800000000037900 Opening Oats: December Z 1, 2010 - Closing Date: Ja Discover More Card Account Summary Account number ending in 9139 Previous Balance $14,872.56 Payments And Credits - 370.00 Purchases + 14.35 Balance Transfers + 0.00 Cash Advances + 0.00 Interest Charged + 358.97 Fees Charged + 0.00 New Balance 14,875.88 See Interest Charge Calculation section fopowing transactions for detailed APR information Credit line $15,500.00 Credit line Available $624.00 Cash Advance Credit Line $7,300.00 Cash Advance Credit Line Available $624.00 nuanr 20, 2011 page 1 of 2 Payment Information New Balance $14,875.88 Minimum Payment Due $379.00 Payment Due Date February 15, 2011 Late Payrnmt Warming: If we do nat 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 ro the Penalty APR of 29.9996 variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and it wig fake you bnger to pay off your balance. For example: l~r ~+!.:.. ,:;°f' ~ ass !t' ~Wy.~p;. ^.'a.. `.'si,wvi€>',. >. ,d,1M,' .~v`~le~aiw''jw 'p!li•.:.i~,:.M K Y 9:WHLvi..i.. ~. i::,'.nv~i'Y.:;ti.:.,:O::f^.: ::<; .t. i ~k~ • D ~~ • ~•~' jy ~o~~ ~ Only the minimum 61 years $146,673 payment $617 3 years 22'221 avings = $124,452 If you would like information about credit counseling services, call 1$00347-1 1 2 1. Cashback Bonus® Anniversary Month October Opening Cashback Bonus Balance $ 10.69 New Cashback Bonus This Period + 0.03 Cashback Bonus Balance $ 10.72 To learn more, log in ar www.Ditcovar.tom 3 Easy Ways to Contact Us 1. Access your account securely at www.Discover.com 2. Call 1.800•DISCOVER (1.800347-2683} Please have your Dlscover®card available 3. Write to us at Discover, PO Box 30943, Sak Lake City U7 84130 (Not a payment address) For payments, please send to address an remittance or Discover, PO Box 6103, Carol Sfream, !! 60197.6103 for TDD {Telecommunications Device for the Deaf( ossisiance, please coil 1-800.347-7449.. Manage Your Account Online at www.Discavercom • Access free online tools like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills onine and easily Mack all transactions • Make your money worth morel-find easy ways ro earn and redeem cash rewards • NEWT Access your account securely through-your mobile phone Transactions Trons. Post Dame Dab Payments and Credits Jan 14 Jan 14 INTERNET PAYMENT -THANK YOU $ -370.00 Services Jan 12 Jan 12 SRR•SIRIUS RADIO 888-539-7474 NY $ 14.35 T 1,299B96E,664 Fees TOTAL FEES FOIL THIS PERIOD $ 0.00 Inbrest Charged INTEREST CHARGE ON PURCHASES $ 358.97 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION D~SC~~ LR Paperless statements mean less clutter, more convenience Eosily access up to 24 months of downloadable, password protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. • Sign up today at Discovercom/paperless ®2010 Discover Book, Membor FDIC PAPER.Q310 Transactions Turns. Posf cont.) Date Dare Interest Charged TOTAL 11J'fERE57 FOR THIS PERIOD $ 358.97 2011 Totals Yeor-to-Date TOTAL. FEES CHARGED tN 201 1 TOTAL INTEREST CHARGED IN 201 1 $ o.oo 358.97 O Z D 0 0 w V QUeStlOnS~ Visit vvww.Discover.com or ~~SC®VER call 1-800-DISCOVER ~1-800-347-2683). DISCOVER It p~ to KENNETH GENTRY Account number ending in 9139 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current BtTling Period: 31 days TYPE OF BALANCE PERCEMAGE ~ E BAW JC ~ S U ~ EGT TO NTE1tE5T c1fiARGE ~~ R ~ ~ , Purchases 25.24% V $0.93 $0.02 Past Purchases 28.2490 V $14,965.97 $358.95 Cash Advances 29.99% V $0 $0 V =Variable Rafe Additional hnport+nnt Infotmatfon. See your Cardrrrembsr Agreement. Your Cordmember Agreement contains all the terms of your Aecount. Lost or stolen cards. Report immediately! Call 1-800-347.2683. What To Do If You Think You Fen A Mfsfakr! On Your Sfalerrrenf if you think there is on error on your statement, write to us at: Discover, PO Box 30421, Sah lake City, UT 84130.0421. In your letter, give us the following information: • Account information: Your name and account number. • Qglku amount: The dollar amount of the suspected error. • Description o1 Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mrsta c You must contact us within 60 days aBer the error appeared on your statement. You must notify us of any potential errors in wnfin Yov may call us, but if you do we are not required to Investigate any potential errors and you may have to pay 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 chwge you interest on that amount. But, ii 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. • Whib you do not hove 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 hfa If You Ara Diasafisfred With Your Credit Carr! Purehaaes IF you are dissatisfied with the goods or services that you hove purchased with your credit card, and you have fried in good faith to correct the problem wi#h the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be hue: 1. The purchase must have been made in your home state or within 100 miles oFyour cun•ant mailing address, and the purchase price must have bean more than $50. (Note: Neither of these era 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 occounf do not qualify. _.. 3: You must not yet eve Ily paid for the purchase. If ail of the criteria above are met and yyou are still dissatisfied with the purchase, contact us in writing at: Discover, PO Box 30945, Salt Lake Cify, UT 84130.0945 While wa 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 poHion of this statement in the ernrek~pe provided. Do riot send cash. By sending your check os described above, you authorize vs to use infarmafiort on your check to make an electronic Fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. IF pa ent is processed as an electronic fund Nansfer, the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you wilt not receive your check back from your financial institution. The processing of your payment maybe delayed iF you send cash, correspondence or other items with your payment, if you send the payment to any other address or if you use an envelope other than the one provided. Paymerds racaiwd m proper Form at our processing facility 5PM local time on any day wdl be credited to your Aecount as of that day. Payments received at our processing facilr after 5PM local time will be credited to your Account as of the next day tF you have misplaced your emek~pe, send your payment to Disrnver, PO Box 6103 Carol Stream, IL 60197b 103. Please aNow 7.10 days For delivery. IF your payment is returned unpaid, we reserve the rig~if to resubmit ff as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DtSC..:. ; VER ---- You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automaBe payments through a customer service representative by calling 1-800-347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring pa ant date (e.g.the 15th day of the month) that occurs before your Payment Due Date. {F your scheduled payment date falls on a weekend or bank holiday, your payment wilt be processed the business day prior to the weekend or bank holiday. In order to schedule monthly paymenh telephone, you will need this statement and your bank account information. You will be asked to Provide the last four (4~digits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow vs and your bank to deduct each pa ant you authorize, in the amount selected byy you, from your bank account. Yov also authorize us to initiate debit or credit entries to your bank account, as applicable, fo 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, Sah Lake City, UT 84130A421; 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 billing statement when your payment will be made and how much rt will be. You must ensure that sufficient funds are available in your bank account, and all frnnsactions must comply with U.S. law. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount. IF your scheduled fixed payment is not enouggh to cover the Minimum Payment Due as listed on your monthly billinngg statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. if the schedued payment is granter than Fhe Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. IF your scheduled pa ant is greater than the New Balance on your billinngg statement, that payment will be processed only for the amount of your New $alance. Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments aher the Closing Date. IF you enroll by phone in our automatic payment service, please filFin the following blanks below and retain the authorization for your records. Amount: ^ Fufl Pay ^ Min Pay ^ Min Pay + $ ^ Fixed Pay$ , Bank Routing #:_ ;Bank AceouM #: ; Frequency: Gedit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defauhs on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credo reporting agencies each month. If believe that our report is inaccurate or incomplete, please write vs at the fallowing address: Discover, PO Box 15316, Wi m~ingfon, DE 19850-5316. Please Indicate your name, address, home telephone number and Account number. Paying Interest We begin to impose Interest Charges on all transactions from the Transaction Data for the transaction shown on your billing statement, unless o transaction is posted to your Account aher the dose of the billing period in which it occurs, in which case we begin to impose interest charges on that transaction from the first day of the billing period in which it is posted to your Account. We continue to impose Interest Charges until the date you pay your entire New Balance shown on your billingg statement by makin payments or receiving credits. If you paid the New Balance on your previous billingg statement b the Payment Due ate shown on that billing statement, we will not impose Interest Charges an new purchases, that is, purchases first appearing on The current billing statement, or anY portion of a new purchase, paid by the Payment Due Dote on your current billing statement. We call this the "grace period.' His not less than 25 dayys, There is no race period on balance transfers or cash advances. As more fully described in the section of your Cardmember Agreement titled "How We Apply Payments," we generally apply payments to your Account based on the APR applicable to the balance of each transac ion category. This means that rF you do not pay the New Balance on the current rllmg statement by the Payment Due Date shown on that billing statement, then, depending on the amount of your payment and the APRs on other balances, you may not get a grace paned on new purchases. Annual Foe. !F your Account has an annual fee, H will be billed at the be inning of each anniversary year your Account is open. The amount of the fee appears on the statement when the fee is billed. The annual fee is not refundable unless. you notify us that you wish to close your Account within 30 days of the mailing or delivery date of the statement on which the fee is bill~led. You will receive this refund even if you use your Card during that period. How Wa Calculate Interest Charges - Dafly Balance Method (including current transactions): We figure Interest Charges for each billing period. To do this: • We calculate your Interest Charges separately For each balance subject To different terms (For example, standard purchases, standard cash advances and each purchase, balance transfer and cash advance balance subject to promotional terms}. We refer to these balances as transaction categories. • We figure the "daily balance" far each transaction category. To get the "daily balance" we take the beginning balance for each day, add any new fransactions and fees and any Interest Charges accrued on the previous day's daily balance. We then subtract any credits and ppaayments and make other adjustments (including those ad ustments required in the section titled "Paying interest"). In calculating the Baily balance for the first day of the bil~ing period, eve consider the "previous day's daily bakance" to have been your balance on the last day o+ your previous billing period. This gives us the daily balance for each transaction category. • We figure the Interest Charges on your Account by multiplying the daily balance for each transaction category by its daily periodic rate, for each day m the billing period. • The total Interest Charges For the billing period are the sum of the daily Interest Charges for each transaction category Eor each day during that billing period. When we calculate daily balances, we add a new transaction as of the Transaction Date shown on your billing statement, unless the transaction is posted to your Account aher the close of the billing period in which it occurs, in which case The transaction will be added to the daily balance as of the first day of the billing period in which it is posted to your Account. All fees charged to your Account are added to the standard purchase transaction category with the exception o Cash Advance Fees which are added to the applicable cash advance transaction category and Balance Transfer Fees which are added fo the applicable balance transfer transaction category. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. Yov may make chargges against this amount iF your Account is open. We will send you a refund of any remaining balance of $1.00 or more oRer 6 months, or as otherwise required by applicable law. For TDD (Tobcommunications Device for the Doafj assistance, pleas call i-800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover©card is issued by Discover Bank, Member FDIC oITBK 172 Quesfiions? visit www.Discover.t:om or call i-800-DISCOVER (1-800-347'-2683. DISCSVER D1SC~VER s;4 ~9 20 SDSN6A01 0013663 KENNETH GENTRY 22 ASHBURG DR MECHANICSBURG PA 17050-8203 Minimum Payment Due ~ Account Number ending in 9139 $379.00 Enter Amount Enckued Below Payment Due Date March 15, 2011 Pay online at wvrw.Dis over.com or make check able to Discover Pone and intemat a p y . poymeMs must be made by 5:OOpm ET For same day posting. Text APP to DISCOV• to receive a link to our free mobile app and pay your bill in seconds from anywhere) PD aax 71084 Illrrrllusrslrlllrrrlrrlrl CHARLOTTE NC 28272-1084 Address, e-mail orMkphonechange2 lulr~lniurlrllntinlrlrnllllnrluiulrrllu~n~nlrlnll Go fo www.Dixovsrcom or print change in space above. 000001986458932953553148692200000000037900 Opening Dais: Jca-uary 21, 2011 -dosing Dats: February 20, 2011 Discover More Card Account Summary Account number ending in 9139 Previous Baance $14,875.88 Payments And Gadits - 380.00 Purchases + 14.35 Balance Transfers + 0.00 Cash Advances + 0.00 Fees Charged + 0.00 Interest Charged + 358.99 New Balance 14,869.22 See Interest Charge Calculation section Folbwing transactions for detailed APR information Credit line $15,500.00 Crodif tine Avaikable $630.00 Cash Advance Credit Line $7,300.00 Cash Advance Credit Line Available $630.00 Cashback 13onus® Anniversary Month October Opening Cashback Bonus Balance $ 10.72 New Cashback Bonus This Period + 0.03 Cashback Bonus Baance $ 10.75 To learn more, log in at www.piscover.com 3 Easy Ways to Contact Us 1. Access your account securely at wwrw.Diseovsrcom 2. Call 1-800-DISCOVER (1.800.347.2683} Please have your Discovers cord available 3. Write 1o us at Discover, PO Box 30943, Salt Lake City, UT 84130 (Not a payment oddressl For payments, please send to address on remiRarKe or Discover, PO Box 6103, Cord Stream, IL 60197.6103 For TDD (Telecommunications Device [or the Deaf) assistance, please call 1-600.347-7449, page 1 of 2 Payment InFormation New Balance $14,869.22 Minimum Payment Due $379.00 Payment Due Date March 15, 201 1 Lots Payment Wamirg: if we do no! receive your minimum payment by the dote listed above, you may have to pay a late fee of up fo $35.00 and your purchase and balance transfer APRs For new tronsactions may be increased up to the Penahy APR of 29.99°~ variable. Minimum Payment Warning: If you make only the minimum payment each period, you will pay more in interest and ff will take you longer to pay off your balance. For example: . .. ~p~,: ...:i :.i, ... y~/~~ ~f 4~ q~urn::ia'~in>: %n'iS:::>:2o:i :•,., i~ . ',: : S ;.r„ c ~ ., ~ ~'' r.:~l?~ G ~..3 Only the minimum 61 years $146,261 payment $617 3 years 22,210 avings = $124,051 if you would like information about credit counseling services, call 1.800.347-1121. Manage Yow Accotmt Online at www.Discover.com • Access kae online tools like Poydown Planner to create a plan to down your balance, securely access statemenh, pay bills online and easily trcxk all transactions • Make your money worth moron-find easy ways to earn and redeem cash rewards • NEW I Access your account securely through your mobile phone Transactions Trans. Post Dote Date Payments and Crrod'tts Feb 14 Feb 14 INTERNET PAYMENT -THANK YOU $ -380.00 Services Feb 12 Feb 12 SIRIUSXM.COM'` 888-539-7474 NY $ 14.35 T 1,2AbD082,355 fees TOTAL FEES FOR TFgS PERIOD $ 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 358.99 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFER5 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION D~SCrVER -- - ~~ Paperless statements mean less clutter, more convenience l:osily access up ra 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 onytime. • Sign up today at biscovertom/paperless ®2010 Discover Bono, Member FDIC Transactions Trans. Post ~COnt.~ Date Date Interest Charged TOTAL INTEREST FOR THIS PERIOD $ 358.99 PAPER.0310 0 D m ~' 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 TOTAL INTEREST CHARGED IN 2011 $ o.oo 717.96 Questions? Visit www.Discover.com or D(SG®VER call 1800-DISCOVER (1-800-347-2683). r i- - -~ DISCOVER ttptlyst ~Y.EB~ KENNETH GENTRY Account number ending in 9139 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Currem Billing Period: 31 days TYPE OF BALANCE Purchases Past Purchases Cash Advarues V =Variable Rate Additional knportant Information See your Cardnssmber Agreement. RAANTEU{A~pR}FRC[NTAGE 25.24 V 28.24 V 29.99% V BALANCE SIiBJECf TO BJTERESi RATE $4.19 $14,963.B0 $0 INTEREST CHARGE $0.09 $358.90 $0 Your Cardmember Agreement contains all the terms of your Account. Lost or stobn cards. Report immediately) Call 1-800-347-2683. Whorl To Do If You Think You Find A Mfsloke On Your S-otemenl if you think there is an error on your statement, writs to us at: Discover, PO Box 30421, Salt Lake City, UT 84134A421. In your letter, give us the following inkrmation: • Account information: Your name and account number. • Dollar amount: The dollar amount of the wspected error. • Desert ~ion~of Problem: IF you think there is an ercor on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days aker the error appeared on your statement. You mwf notP(y us of any potential errors fn withn .You ma call vs, but if you do we are not required to inv~astigate any potential errors and you may have to poy the amount in question. While we investigate whether or not there has been an error, the fa[towing are true: • We cannot try to collect the amount in question, or report you as delinquent on thaF amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. Bvf, 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. • Whips you do not have to pay the amoun! in question, you era responsible far the remainder of your balance. • We can apply any unpaid amount against your credit limit. Yaur Richrs /f You Are DlasaNaffed Wily Your Credit Card Purchaaem If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have #ried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services.) 2. You must have used your credit card For the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet Gave fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writina at: Discover, PO Box 30945, SaR Lake City, UT 8 4 1 30-094 5 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. A! 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 fop portion of this statement in the envelope provided. Do not send cash. BY sending your check as described above, you avlhorize us to use information on your cheek to make an elecronic fund hansfer Gam your account at the financial institution indicated on your cheek or to process the payment as a check transaction. !F pa ent is processed as an electronic fund hansFer, the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer, Funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be delayed iF you send cash, correspondence or other items with your payment, if you send ifse payment o an other address or if you use an envelope other Than tlb one provided. Payments received in proper form at our processing Facility by 5PM local time on any d will be credited to your Account as of that day. Payments received at our processing Facility after 5PM focal time will~e credited to your Account as of the next day. If you have misplaced your envelope, send your moot to Discover, PO Box 6103 Carol Stream, 11 60 1 976 1 03. Please allow 7.10 days for delivery. If your payment is re~tumed unpaid, we reserve the rigfrt to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DJs`C~VER 7 You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you wn setup automatic payments through a customer service representative by calling 1.800.347-2683. Automatic payments wil! be deducted on the Payment Due Date unless you request a recurring pa meat date (e. ., the 15th da of the month) that occurs before your Payment Due Date. If your scheduled pcryment date falls on a weekend or honk hdidyay, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b telephone, you will need this statement and your bank account information. You will be asked to provide the last four (4~digits of the social security number of the pnmary borrower. By providing those numbers as your electronic signature, you wrll be agreeing to this authorization fo albw us and your bank to deduct each pa eat you authorize, in the amount selected by you, from your bank accovM. You also authorize us to initiate debh or credit entries to your bank account, as ap ieable o correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-8347-2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130.0421; however vre must receive notice ak least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much it will be. You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S, law. You can set auromati< payments for: (i} statement New Balance, (ii}statement Minimum Payment Due, [iii} statement Minimum Payment Due plus a Fixed dollar amount, or (ivj a fixed dollar amount. IFyour scheduled fixed payment is not enouggh to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is renter than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. It your scheduled paym eat is greater than the New Balance on your billsrg statement, that payment will be roeessed on for the amount of your IVew Balance. Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: ^ Full Pay ^ Min Pay ^ Min Pay + $ ^ fixed Pay$ , Bank Routing #: ;Bonk Account #: ;Frequency: Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may b® reflected in your credit re Wa normally report the status and payment history of your Account to credit reporting agencies each month. !f you be it eve that our report is inaccurate or incomplete, please write vs at the folbwfng address: Discover, PO Box 15316, Wilmington, DE 19850-531 b. Please indicate your name, address, home telephone number and Account number. Paling InieresB We be into tmpose interest charges on a transaction, tae 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 Pcrying interest on Purchases as described below. However, you cannot avoid paying irNerest on Balance Transfers or Cash Advances. How to Avoid Payinst Interest on Purchases ("Grace Period"I yfE-ou`paia ihe~ance on your previous i ing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement. Naw Purchases are Purc~ases that first appear on the current billing statement. How Wa Apply Payments May Impact Your Grace Period f}-you o not pay yourNew FiaTce in eafulf cT monfri,7it en, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. How We Calculate Interest Charges - DarTy Balance Method (including current transactions): We calculate interest charges each billing period by first figuringg the "daily balance" For each Transaction Category. Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers. How We figure the Daily Balance for Each Transaction Category • We start with the beginning balance For each day. The beginning balance for the first day of the billing period is your balance on the last day of your previous billing peria • 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 tea posted to your Account. • Wa subhact any new credits and payments. • We make other adjustments (including (hose adjustments required in the "Paying Interest" section). How We Figure Your Total Interest Charges • Wa multiply the daily balance for each Transaction Category by its daily periodic rate. We do this for each day in the bilfirg period. This gives us the irAerest charges for each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. • We add up all the daily interest charges. The sum is the total interest charge For the billing period. How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. We add Cash Advance fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Sub(ect to Interest Rate. Your statement shows a Balance Subject to Interest Rate. h shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send yyou a refund of any remaining balance of $1.00 or more after b months, or as otherwise required by applicable law. For TOD (Telecommunications Device for the Deaf) assistance, please call l-St)Q-3Q7-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover°card is issued by Discover Bank, Member FDIC RZNFE001 Questions? visit www.Discover.com or calf 1-800-DISCOVER (1-800-347-2683. DISCOVER Disc~vER New Balance Minimum Payment Due 514,959.18 C34b.00 Payment Due bate April 15, 20i 1 2Q SDSN6A01 0013fi64 KENNETH GENTRY 22 ASHBURG DR MECHANICSBURG PA 17050-8203 Account Number ending in 9139 Enter Amount Encbsed Bebw Pay online at www.Discover.com or make check payable io Discover. Phone and irdemet payments must be made by S:OOpm ET for same day posting. Text APP to DISCOV' to receive a Ifnk to our free tnob8e app and pay your bill in secorxis from anywhere! PO BOX 71084 iiiur~lrrnr~ri~inr6rlrl CHARLOTTE NC 28272-1084 Address, e-mail or telephone change? iniriieriuririinrirr~r~nr~~~~ur~n~rrirri~niuiuli~uii Go to www.Diseovsr.eom or print change in space above. 000001986458932953553149591$00000000034600 opening Date: February Z1, 2011 -Closing Date: Mo Discover Mora Card Account Summary Account number ending in 9139 Previous Balance $14,869.22 Payments And Credits - 385.00 Purchoses + 149.48 Balance Transfers + 0.00 Cash Advances + 0.00 Fees Charged + 0.00 Interest Charged + 325.48 New Balance 14,959.18 Sea Interest Charge Calculation section following transactions for detailed APR information Credit Line $15,500.00 Credit Line Avaik+ble $540.00 Cash Advance Credit Line $7,300.00 Cash Advance Credit Line Avnilable $540.00 Ca51ibCC1c Bonus® Anniversary Month C>etober Opening Cashback Bonus Balance $ 10.75 New Cashback Bonus Thls Period + 0.37 Cashback Bonus Balance $ 11.12 To loam more, tog in al Www.Diseover.eom 3 Easy Ways to Contact Us 1. Access your account securely at www.Dixover.com 2. CaN 1-800•DiSCOVER (i-800-347-2683) Please have your Dixover®card available. 3. Write to us at Discover, PO Box 30943, Snit Lake City UT 84130 Not a payment address) For paymems, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 601 97-6 1 03 For TDD (felecommunfcations Device for the Dea•) assistance, please call 1-800347.7449. Transactions Payments and Credits Trans. Dale Mar 12 Post Date Mar 12 INTERNET PAYMENT -THANK YOU $ -385.00 Restaurants Feb 20 Feb 21 MCDONALD'S F13119 BLACKSBURG SC $ 13.27 Feb 20 Feb 21 MCDONAID'S F13119 BLACKSBURG SC 4.71 Services Mar 12 Mar 12 51RIUSXM,COM* 888-539.7474 NY 14.35 T1,2B291 E5,445 Supermarkets Feb 21 Feb 21 GIANT FOOD #005 MECHANICSBURGPA 69.05 010063 Feb 21 Feb 21 WEGMANS #45 MECHANICSBURGPA 26.89 NOTICE: SEE REVERSE SIDE fOR IMPORTANT iNFC)RMATION DISC.. ..vER rch 20, 2011 page 1 of 2 Payment Information New Balance $14,959.18 Minimum Payment Due $346.00 Payment Due Date April 15, 2011 lals Payment Wamirg: If we do rat receive your minimum payment by the dote listed above, you may have to pay a late fee of vp to $35.00 and your purchase and balance transfer APRs for new transactions may bs increased up to the Penally APR of 29.999'• variable. Mininum Payment Wamfng: IF you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: Manage Your Account Online at www.Discovtx.com • Access free online tools like Paydown Planner to create a plan to down your balance, securely access statements, pay bills online and easily frock all hansaeHons • Make your money worth morel--find easy ways to earn and redeem Dash rewards • NEWT Access your account securely through your mobib phone If you would like information about credit counseling services, call 1.800.347.1121. Paperless statements mean Less clufiter, more convenience ~' Easily access up to 24 months of downloodable, password protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. • Sign up today at Discavercomf paperless ®2010 Discover Bgnk. Member FDIC PAPER,0310 Transactions Trans. Post ~COnt.} Dare Date Supermarkets Feb 24 Feb 24 GIANT FOOD #005 MECHANICSBURGPA 21.21 010088 Fees TOTAL FEES FOR i1i15 PERIOD $ 0.00 Interest Charged INTEREST CHARGE ON PURCHASES $ 325.48 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 TOTAL INTEREST FOR THIS PERIOD 325.48 2011 Totals Year-to-Date 70TALFEES CHARGED IN 2011 $ 0.00 TOTAL INTEREST CHARGED IN 201 1 1,043.44 0 Z a 0 0 o~ ~' QUeStiOnS? Visit www.Discover.com or p+S~,,~VE~ call 1-800-DISCOVER (1-800-347-2683]. DISCOVER It pays% KENNETH GENTRY A t b di i 9139 ~5~, ccoun num er en n g n page 2 of 2 1n#erest Charge Cclculction Your Annual Percentage Rate (APR' is the annual interest rate on your account. Current styling Perrod: 28 days TYPE OF BALANCE ~~U ERCEPRAGE ~ ~ S U~ EGT TO INTEREST CHARGE ~' I ~ Purchaasa 25.249a V $148.62 $2.88 Past Purdrases 28.24% V $14,891.51 $322.60 Cash Advances 29.99 V $0 $0 V =Variable Rota Additional lmporFant Information Sae your Cardmarrtlser AgroamaM. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediatelyl CaA 1-800.347-2683. N/hat To Do If Yov Think You Flnd A Mistake On Your Stafement If you think there is on error on your statement, write to us at: Discover, PO Box 30421, Sak Lake City, UT 84 1 30-04 2 1. In your Idler, give us fha Following Information: • Account information: Your name and account number. • Dollar amounf: The dollar amount of the suspected error. • DescrF Hontlon of~Problem: IF you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within b0 days after the error appeared on your statement, You must notify us of any potential errors in writin .You may call us, but if you do we are not required to irnestigate any potential errors and you may have to pay Rre amount in question. While we investigate whether or not there has been an ercor, the following are true: • We cannot try to collecF the amount in question, or report you as delinquent on that amount. • The charge in question ma remain on your statement, and we may continue to charge you interost on that amount. But, if we determine that we made a mistake, yov 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 Rlahts If You Art Dfssatfst7ed fr1/hh Your Credit Card Purchases IF you are dissafisfied with the ds or services that you have purchased with your credit card, and you have triad in good faith to correct the lem 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 Folowing 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 pace 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 tlwt sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases mode with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above are met and yyou are still dissatisfied with the purchase, contact us in writing at: Discover, PO Box 30945, Salt Loke City, UT 84 i 30-0945 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, wa wrll 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 Dua by the Payment Due Date. Sand only your payment and the top portion of this statement in the envebpe Pprovided. Do not send cash. By sanding your check as described above, you authorize us to use information on your check fo make an electronic fund transfer from your account of the financial institution indicated on your check a 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 tram your check to make an electronic Fund transfer, Funds may be withdrawn ham your account as soon as the same day we receive your payment, and you will not receive your check back from your financial irsstihttion. The processing of yyour payment maybe delayed iF you send cash, correspondence or other items with your payment, if you send the paymen! fo anyy other address or if you use an envelope other than the one provided. Payments received m proper form at our processing incility by SPM lxal lime on any day will be credited to your Account as of that day. Paymer~s received at our prxessing facrlrty aker SPM loco) time will ye credited to your Account as of the nexF day. if you have misplaced your envelope, send your payment to Discover, PO Box 6103 Carol Sheam, IL 60 f 97-6103. Please allow 7-10 days for delivery. If your payment is returned unpaid, we reserve the rig~t to resubmit it os an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION D'~,~VER ___ ~ You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone w you can setup automatic payments through a customer service representative by calling 1-800-347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring payment date (e. ., the 15th day of the month( that occurs before your Payment Due Date. If your scheduled poyment dote falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b teleepphone, you will need this statement and your bank account information. You will be asked ro provide the last four {4~digits of the social security number of the primary borrower. By providing those numbers as your elechonic signature, you will be agreeing to this nuthorizalion ro allow us and your bank to deduct each pa merit you authorize, in the amounf selected by you, from your bank account. You also authorize us to initiate debit or credYt entries ro your bank account, as applicable, o 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, Sak Lake City, UT 84130.0421; however we must receive notice at least three business days in advance of the scheduled payment. IF your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much tt wit) be. You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments Fw: (iJ statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due Pfus a fixed dollar amount, w (iv) a fixed dollar amount. If your scheduled fixed payment is not enouggh ro cover the Minimum Payment Due as listed on your monthly biting statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is renter than the Minimum Payment Due, any excess will be lied in accordance with your Cardmember Agreement. (t your scheduled paymerit is greater than the New Balance on your bikling statement, that payment will be processed only for the amount of your New Balance. Your automatic ppayment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Cbsing Date. If you enroll by phone in our automatic payment service, please RII•in the Following blanks below and retain the authorization for your records. Amount: ^ Fali Pay ^ Min Pay ^ Min Pay + $ ^ Fixed Pay$ , Bank Routing #: ;Bank Account #: ;Frequency: Credit Reporting. We may report information about your Account to cradle bureaus. Late payments, missed poyments, or other de uhs on your Account may be reflected in your credit report. We normally report the status and payment history of your Aeeount to credit reporting agencies each month. If u believe that our report is inaccurate or incomplefe, please write us at the following address: Discover, PO Box 15316, Willmington, DE 1 9850.53 1 6. Please indicate your name, address, home telephone number and Account number. Paying Frrterest: We begin to impose interest charges on n transaction, Fee or interest charge from the doy 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 paying interest on Purchases as described below. However, you cannot avoid paying interest on Balance Transfers or Cash Advances. How to Avoid Paying Interest on Purchases I"Gmce Period"1 yfF ou paidTeNew~aTance on your previous billing statement by the Payment Dve 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 Date on your current billing statement. New Purchases are Purc~ases that First appear on the curronf billing statement. How We A I P ants Ma Im act Your Grace Period you o not poy your ew a once in eac monT ,ten, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. How We Calculate Interest Charges -Daily Balance Method (including current transactions): We calculate interest charges each billing period by first figuring the "daily balance" for each Transaction Category. Transaction Categories include.......... standard Purchases, standard Cosh Advances and different promotional balances, such os Balance Transfers. How We Figure the Daffy Balance for Each Transaction Category • We start with the beginning balance For each day. The beginning balance for the first day of the billing period is your balance on the ast day of your previous billing period • We add any interest charges accrued on the previous day's daily balance and any new transactions and fees. We add 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" sedionJ. How Wa 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 billirx~ period. This gives us iha interest charges For each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. • We add up all the daily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this Eor each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance, the amount is shown on the kont of your biting statement. A credit balance is money that is owed to you. You may make charges against this amount tf your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise requred by applicable law. For FDD (Telecommunications bevice for 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 Discovermcard is issued by Discover Bank, ,'Aember FDIC kzNFE00t QU@StlOf11S? Visit www.Discover.com or ~[SCiVER call 1-800-DISCOVER () -800-347-2683. D1SC~VER 20 SDSN6A01 0013665 KENNETH GENTRY 22 ASHBURG DR MECHANIC5BUR6 PA New Balance Minimum Payment Due $14,970.21 5382.00 Payment Due Date May 15, 2011 17050-8203 20, 2011 PO BOX 71084 111"rllrrs"1'111rrrlrrlrl CHAREOTTE NC 28272-1084 Address, email or telephone chcmge4 1 1 Ilulutltllnrlnltlutllllntlnlulullnlnlttltlnll Go to www.Discoversorn or print change in space above. '~ ~ 00000198645$932953553149702100DODOD0038200 Date: March z t, 2071 - Closing Dabl April Discover More Card Account Summary Account number ending in 9139 Previous Balance $14,959.18 Payments And Credits - 350.00 Purchases + 0.00 Balance Transfers + 0.00 Cosh Advances + 0.00 Fees Charged + 0.00 Interest Charged + 361.03 New Ba once 14,970.21 See Interest Charge Calculation section folfowtng i transactions for detailed APR information Credit Line $15,500.00 Credit Line Available $529.00 Cash Advance Credit tine $7,300.00 Cash Advance Credit Line Available $529.00 You maybe able to avoid Interest Charges, see Addilionol Important Information for details. Cashbac i3onus® Anniversary Month October Opening Cashback Bonus Balance $ 1 1.12 New Cashback Bonus This Period + 0.00 Coshbock bonus Balance S 11.12 To team more, log en at wwW.Dlstovar.eom 3 Easy Ways to Contact Us l . Access your account securely at www.Discover.<om 2. Call 1-SOQDISCOVER (3$00.347-2bB31 Please have your Diswver®card availablfe. 3. Write to us of Discover, PO Box 30943, Sah lake City U7 84130 Not a paymerd address For payments, please send to address on remikanee or Discover, PO Box 6103, Carol Stream, IL 60197fi 103 For TDD (Teleeommunieatians Device for the DeaF) assistance, please call 1.804347.7449. Account Number ending in 9139 Enter Amount Enclosed Below Pay online of www.Discover.com or make check payable to Discover. Phone and interact payments must be made by S:OOpm ET for same day posting. Text APP to DISCOV" to receive a link to our free nwbBa app and pay your bit! to seconds from anywhere! Page 1 a!f 2 Payment InFormation New Balance $14,970.21 Minimum Payment Due $382.00 Payment Due Date May 15, 2011 Lab Payment Warning: If we do not receive your minimum payment by the date listed above, you may have ro pay a late fee of up to $35.00 and your purchase and balance transfer APRs For new transactions may be increased up ro the Penalty APR of 29.99% variable. Minu»vm Payment Warning: If you make only drs minimum payment each period, you will poy more In interest and it wil take you bnger Fo pay off your balance. For example: .:. K . ax . ~ l ' ` 3 ~:% ?~ rg .v .,Fs«,.:.~ :ace. o. <..8i:Y rt K Only the minimum 61 years $148,459 payment $621 3 years 22,362 avings = $ l 26,097 ~ If you would like information about credit counseling services, call 1-800.347-1121. Manage Your Account Online at www.Discover.com • Access tree online tools like Paydown Planner to create a plan to down your baance, securely access statements, pay bi s online and easily track all transactions • Moke your money worth moreSM-find easy ways ro cam and redeem cash rewards • NEWT Access your account securely through your mobile phone Transactions T s. D ~ oAs Payments and Crodits Apr 15 Apr 15 INTERNET PAYMENT -THANK YOU $ -350.00 Fees TOTAL FEES FOR THIS PERK)D $ 0.00 Mterest Charged INTEREST CHARGE ON PURCHASES $ 361.03 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTAM INFORMATION D[SC;...:VER Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloadable, password protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. • Sign up today at Discovercom/paperiess ®2010 Discover $ank, Member FDIC PAPER.0310 ransactions Q Trans. Post (COnt.) Date Daro Z ~ a 0 0 Interest tlrarged TOTAL tPffERES7 FOR TWIS PERIOD $ 361.03 ~ 2011 Totals Year-to-Date V TOTAL FEES CHARGED IN 2011 $ 0.00 70TA! INTEREST CWARGPD IN 20) ] 1,404.47 QUestIOnS~ Visit www.Discover.com or DISC®VEIt ca(I 1-840-DISCOVER {1-800-347-2683). DISCOVER irPar+~ KENNETH GENTRY 1S~ Account number ending in 9139 page 2 of 2 Interest Charge Calculation Your Annual Poreentage Rate (APR} is the annual interest rate on your account. Current Filling Period: 31 days TYPE CtF BALANCE R~AiNEU(~~ RCEHTAGE f S~U~ ECf TO INTEREST CHARGE Purchases 25.24% V $124.40 $2.66 Past Purchases 28.24% V 514,941.64 $358.37 Cash Advances 29.99% V 50 50 V =Variable Rate Additional Mnportant Mformation See your Cardmamber Agreement Your Cardmember Agreement contains all the farms of your Account. Lost or stolen cards. Report immediotelyl Call 1.800.347-2683. What To Do !f Yaw Think You Fend A Mistake CM Your Statement If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Salt Lake City, UT 84 1 30-042 1. In your letter, give us the following information: • Account information: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Descr~i lion o~f Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days after the error appeared on your statement. You must notify us of any potential ercors in writin _ . You may call us, but iF you do we are not required to investigate any potential errors and you may hove to pay the amount In question. While we Investigate whether or not there has been an error, the Following are true; • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not hove to pay the amount in question or arty interest or other Fees related to that amount. • While you do not have to pay the amount in question, you are responsible Eor the remainder of your balance. • We can apply any unpaid amount against your credit limit. Your Reah-s If You Are Deasatiafied YVith Your Credit Card Purchases !f 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 remairnng 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 curcent mailing address, and the purchase price must have been more than $50. (Note: Neither of these are neceuary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services.) 2. You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. If all of the criteria above ore met and you are still dissatisfied with the purchase, contact us in writin 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. Aker we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Payments. Yoe may pay aA 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 lop portion of this statement in the envelope provided. Do not send cash. By sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. IF p ent is processed as an electronic fund transfer, the transfer will be For the amount of the check. When we use information Irom your check to make an electronic fund transfer, funds maybe 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 send the poymerd o arty other address or if you use an envelope dher than the one provided. Payments receved m proper form at our processing f+ocility 6yy SPM local time on any day will be credited to your Account as of tfwF day Payments received at our processmg facddy offer 5PM local time will 6e credited to your Account as of the next day. IF you have misplaced your envelope, send your payment to biscover, PO Box 6103 Card Stream, IL 60T97~6103. Please allow 7.10 days for de{ivery. If your payment is returned unpaid, we reserve the rig~it to resubmit ii as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION D15~'VER _~:~ ,- -- You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through o customer service representative by calling 1.800-347-2683. Automatic payments will be deducted on tfte Payment Due Date unless you request o recurring payment date (e. ., the 15th day of the month} chat occurs before your Payment Due Date. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments by telephone, you will need this statement and your bank account information. You will be asked to rovide the last four (4 digits of the social security number of the pnmary borrower. By providing those numbers as your electronic signaFuro, you wll 6e agreeing to this authorization to allow us and your bank to deduct each pa ment yov authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, o eon•ect 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, Sah lake City, UT 84130.0421; however we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing statement when your payment will be made and how much rt will be. You must ensure that sufficient funds are avails a in your bank acrnunt, and all transactions must comply with U.S. law. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount. If your scheduled fixed payment is not enouggh to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will 6e increased to cover the Minimum Payment Due. !f the scheduled payment is greater than the Minimum Payment Due, any excess will be applied in accordance with your Cardmember Agreement. If your scheduled pa ant is greater than the New Balance on your billing statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: ^ Full Pay ^ Min Pay ^ Min Pay + $ ^ Fixed Pay$ , Bank Routing #:_ ;Bank Account #: ;Frequency: Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed paymenh, or other defauNs on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If you believe that our report is inaccurate or incomplete, please write us at the following address: Discover, f'O Box 15316, rlmington, DE 19850531 b. Please indicate your name, address, home telephone number and Account number. Payingg 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 continua to impose interest charges until you pay tie total amount you owe us. You can avoid peying interest on Purchases as described below. However, you cannot avoid paying interest on Balance Transfers or Cash Advances. How to Avoid Payina Interest on Purchases ("Grace Period"~ you psi t ew a once on your previous billing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement. New Purchases are Purc~ases that first appear on the current billing statement. How We A f Pa ents Ma Im ct Your Grace Period you o not pay your ew a ante in eat man ,ten, depending on the balance io which we apply your payment, you may not get a grace period on new Purchases. tiow We Calculate Interest Charges -Daffy Balance Method (including current transactions): We calculate interest charges each billing period by First fi8uring the "daily balance" For each Transaction Category. Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers. How We Figure the Daily Balance for Each Transaction Caegory • We start with the beginning balance for each daY. The beginning balance for the firsF day of the billing period is your balance on the last day of your previous billing period • We add any interest charges accrued art the previous day's daily balance and any new transactions and fees. We add an new transactions or fees as of the later of the Transaction Date or the first day of the billing period in which the transaction or fee posted to your Account. • We subtract any new credits and payments. • We make other adjustments (including those adjustments required in the "Paying Interest" section). How We Figure Yaur Total Interest Charges • We multiply the daily balance for each Transaction Category 6y its daily periodic rate. We do this for each day in the billing period. This gives us the interest charges for each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. • We add up all the daily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We add Balance Transfer fees to the applicable Balance Transfer Transaction Category. We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to Mterest Rate. Your statement shows a Balance Subject fo Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance, the amount is shown on the Front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount rf your Account is open. We will send you a refund of arty remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable law. For TDD {telecommunications Device for the Deaf) assistance, please call ]•800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discovermcard is issued by Discover Bank, Member FDiC RZNFE001 Questions? Visit www.Discover.com or ~~SCeVER cal! 1-800-DISCOVEf2 (1-800-347-2683J. DISCOVER 20 SDSNBAOt 0013666 KENNETH GENTRY 22 ASHBURG DR MECHANICSBUR6 PA New Balance Minimum Payment Oue $15,34b.60 $779.00 Payment Due Date lone 15, 2011 17050-8203 Account Number ending in 9139 Enter Amount Enckued $elow Please make check payable to Discover Card. Minimumpayymment duo includes a post due amount of 3382.00. Phone and irdemet poym~ent}s mgg~~ust be made by S:OOpm ET F« same day Text1APP to DtSCOV' to receive a link to our Free mobile app and pay your bill in seconds from anywh~el PO BOX 71084 Illnsllanrlrlllnrlulrl CHARLOTTE NC 28272-1084 Address,a-mail«relephonechange8 Irrlrllrrlrr~l~llrrrl~rlrlr~rllll,~~I~~I~rlr~ll~rlrrlrrlrlrrlf Go to vrv+w.Discovsrcom « print change in space above. 000001984at{5g93295355~153466000000000077900 Opening Date: April 21,2011 -Closing Date: May 20 Discover More Card Account Summary Account number ending in 9139 Previous Balance $14,970.21 Payments And Credits - 0.00 purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Fees Charged + 25.00 Interest Charged + 351.39 New B once 15,346.60 See Interest Charge Calculation section following transactions Eor detailed APR information Credit line $15,500.00 Credit line Avaikble $153.00 Cash Advance Credit line $7,300.00 Cash Advance Credit Line Available $153.00 You may be able to avoid Interest Charges, see Additional Important Information for details. Cash ack Bonus° Anniversory Month October Opening Cashback Bonus Balance $ 1 1 ,12 New Cashback Bonus This Period + 0.00 Cashback Borrus Balance $ 11.12 To learn more, ioa in al www.Dlscover.com 3 Easy Ways to Contact Us 1. Access your account securely at www.Discovor,com 2. Call 1-800•DISCOVER 41.800.347-2683 Please have your Discover®card availab e. 3. Write to us of Discover PO Box 30943, Sah lake City l!T 841§0 {Not n payment address) For payments, please send to address on remiMance or Discover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (Telaeommunicatians Devito for the Deaf) assistance, please call 1-800.347.7449. Transactions Trans. Post Date Dote Foes May 15 Moy 15 LATE FEE $ 25.00 TOTAL FEES FOR TWS PERIOD ~' •~ InterostCharged INTEREST CHARGE ON PURCHASES $ 351.39 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE ON BALANCE TRANSFERS 0.00 N 1 1 pa8e r w c Payment Information New Balance $15,346.60 Minimum Payment Due* $779.00 Payment Due Date June 15, 2011 *Includes past due amount of $382.00 ~ lots Payrnart Warning: Ef we do rwt receive your minimum payment by the date listed above, you may have to pay n late Fes of up to $35.00 and your purchase and balonoe tronsfer APRs for new transoctions may be intteosed up to the Peaky 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: ty ;' ~ , x; ~ :. .:.. ::o;iz . ,. ;. r ~~ .. lay.: ~;.;.;:., .,.,~:a ;..:: Only the minimum 61 years $147,579 payment IF you would like information about credit counseling services, call 1-800-347.112 i . Manage Your Account Online at www.Discover.oom • Access free online tools like Paydown Planner to create a plan to pay down your balance, securely occess statements, pay billls online and easily track oil transactions • Make your money worth morel-find eaay ways to earn and redeem cosh rewards • NEWT Access your account securely through your mobile phone NOTICE: SEE REVERSE SIDE FOR IMPORTAN7INFORMATION DIS yER 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 availoble rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through a-mail or text messoges on your mobile phone. • Print o paper copy of your statement anytime. • Sign up todoy at Discovercom/paperless ®2010 Discover Bonk, Member FDK PAPER.0310 Transactions v Z Trans. Post (COnt.) Dote Date 0 0 w Interest Charged TOTAI INTEREST FOR THIS PERIOD $ 351.39 2011 Totals Year-to-Date TOTAE FEES CHARGED IN 2011 $ 25.00 TOTAL INTEREST CHARGED IN 2011 1,755.86 Questions? visit vrww.Discover.com or p~SC®VER call 1-800-DISCOVER {1-800-347-2683. DISCOVER Itpoys>o ~ KENNETH GENTRY g ~$,~+~VER• Account number endin m 9139 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR( is the annual interest rate on your account. Current BEling Period: 30 days TYPE OF BAIANCE ~,~ w~~ERCENTAGE W~TE~EST S~U~ECf TO INTEREST CHARGE Purchases 25.24% V $2.68 $0.05 Past Purchases 28.249b V $15,136.69 $351.34 Cash Advances 29.99% V $0 $0 V m Variable Rate Information for You * * * ATTENTION "* * Your account is past due. Please pay the past due amount now, or contact us to make other arrangements. Every Purchase Counts! Every time you use your Dixover(R) card, you cam unlimited cash rewards automatically. Use your card for everyday purchases, morrthly bill payments or For something special. Make your money worth more -today and every day! Get your Experian(R) credit report and score plus alerts when your credit score changes. Enroll in Credit ScoreTracker today at Discover.com/CreditScoreTracker or call 1.866708-Ob72. Additiond Important information Sss your Cardmembsr Agreement. Your Cardmember Agreement contains all the terms of your Aecounf. last or stolen cards. Report immediately! Cap 1-800.347-2683. What To iDo if You Think You Find A Mistake On Your Statement IF you think !here is on error on your statement, write to us al: Dixover, PO Box 3042 t , Sa6 Lake City, UT 84130.0421, In your letter, give us Hre fdlowing information: • .Account information: Your name and account number. • Dof7or amount The ddlat amount of the suspected error. • Descri Pion of Probkm~ If you think them is an error on your bill, dexribe what you believe is wrong and why you believe it is a mista ce. You mull contact us within 60 days after the error appeared on your statement. You must notify us of any potentia! errors lain writi .You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, the following are true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in uestion may remain on your statement, and we may continue to charge you interest on that amount. Buf, if we detetmtne that we made a mistake, you wrll not have to pay the amount in question or arty urterest or other feesrelated -- tothat amount. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • We can apply arty unpaid amount against your credit limit. Your Rights if You Are Oissotisfied With Your Credit Card Purchases 1f you are dissatisfied with the goads or services that you have purchased with your credit card, and you have tried in good forth to correct the problem with the merchant, you may have the right not to pay the remairnng amount due on the purchase. To use this right, all of the following must be hue: 1. The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you , or if we own the company that sold you the goods or services.) 2. You must have used your credit Lard 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 musF not yet have fully paid for the purchase. If all of $re criteria above are met and you are still dissatisfied with the purchase, contact us in wrlling ot: Discover, PO Box 30945, Sak Lake Ci yt , UT 84130A945 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, vie 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. Payrrrents. 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 Dafe. Send only your payment and the top pofion of this statement in the envelope PProvided. Do not send cash. Byy sending your check as described above, you authorize us to use information on your check to make an elecfrortic fund transfer From your account at the financial institution indicated on your check or to process the payment as a check transaction. If paymeat is processed as an electronic fund transfer, the transfer will be for the amount of the cheek. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment fo anyy other address or iF you use an ernelope other than the one provided. Payments received m proper form at our processing kreilily by 5PM local time on any dayy will be credited to your Account as of that day. Payments received of our processing facrhty agar 5PM local lima will be credited fo your Accourrt as of the next day. IF you have misplaced your envelope, send your payment to Discover, PO Flux 6103 Carol Stream, IL 60 1 97-6 1 03. Please allow 7-10 days For delivery. If your payment is returned unpaid, we reserve the rig~it to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION ~~SC v'ER Yov can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling f -804347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring pa ment date (e. .,the 15th da of the month) that occurs before your Payment Due Data. If your scheduled payment date falls on a weekend or bank holidaay, your payment will be processed the business day prior ro the weekend or bank holiday. In order to schedule monthly payments telephone, you will need this statement and your bank account information. You will be asked ro provide the last four (4~digits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank ro deduct each payment you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debff or credit entries to your bank account, as applicable, o correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-800.347.2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130.0421; however wa must receive nonce at least three business days in advance of the scheduled paymerrt. If your payments may vary in amount, we will tell you on each monthly biNing statement when your payment will be made and how much it will be. Yov must ensure that sufficient Funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a Fixed dollar amount. If your scheduled fixed payment is not enouggh to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is realer than the Minimum Payment Due, any excess will be a lied in accordance with your Cardmember Agreement. If your scheduled payment is greater than the New Balance on your billing statement, that payment will be ocessed only for the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Dafe. If you enroll by phone in our automatic payment service, please fill-in the Following blanks below and rotain the authorization for your records. Amount: ^ Full Pay ^ Min Pay ^ Min Pay + $ ^ Fixed Pay$ , Bank Routing #: „Bank Account #: ;Frequency: Cred'a Reporting. We may report information about your Account to credN bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit reppoort. We normally report the status and payment history of your Aceounf to credit reporting agencies each month. If you bel'ive that our report is inaccurate or incomplete, please write us of the Following address: Discover, PO Box 15316, Wilmington, 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 fransaction Fee or interest charge from the day we add it to the daily balance. We continue to impose interest charges until you pay tie total amount you owe us. 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 Paying Interest on Purchases f"Grace Period") yo~c~t a ew a once on your previous i ing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or an portion of a new Purchase, paid by the Payment Due Date on your current billing statement. New Purchases are Purc~ases that lust appear on the current billing statement. How We A 1 P menu Ma Ira act Your Grace Period you o not pay your ew a ante in eat mont ,ten, depending on the balance To which we apply your payment, you may not` get a grace period on new f urchases. How We Cakulote Interest Charges -Daily Balance Method (including current transactionsj: We calculate interest charges each biNing period by first figuring the "daily balance" for oath Transaction Category. Transaction Cata ones include...... standard Purchases, standard Cash Advances and different promotional balances, such as Balance Trans~ers. How We Figure the Deity Balance for Each Transaction Category • We 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 • Wa 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). Now We figure Your Total Interest Charges • We multiply the dally balance for each Transaction Category by its daily periodic rate. We do this for each day in the biting period. This gives us the interest charges For each Transaction Category. 7o get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. • We add up all the daily interest charges. The sum is the total interest charge for the billing period. How We Include Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject fo kiterost Raro. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject ro Interest Rate is the average of the daily balances during the billing period. Credit Balances. 1F your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable law. For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449. Discover may monitor and/ar record telephone calls between you and Discover representatives for quality assurance purposes. The Discover®card is issued by Discover Bank, Member FDIC RzNFEOOI Questions? Visit www.Discover.com or [}I$CeVER toll 1-800-DISCOVER (1-800-347-2683}. D1SC~VER New Balance Minimum Payment Due $15,753.91 $1,207.00 Payment Due Date July 15, 2011 20 SDSN6A01 0013667 KENNETH GENTRY 22 ASHBURG DR MECHANICSBURG PA 17050-8203 Account Number ending in 9139 Enter Amount Enclosed Below Please make cheek payable to Discover Card. You are overlimit. Pay the sum of the monthly minimum payment plus the overfimit amount of $253.91. Text APP to DI3COV' fo receive a link to our free mobile app and pay your bill in seconds from attyvattere! Po sax 7ioB4 lilrrrllrrrrrirllirrrlrrlri CHARLDTTE NC 28272-1084 Address,e-mail or telephonechango2 ~n~rl~uiwirilnrinlriat~iliurirriu~n~inluinirluli Go to vrww.Discover.com or print change in space above. 00000198645893C953553157539100000000120700 i,~pemng uate: may t t, ~u t t - ~tostng vare: ,ano ~~ Discover More Card Account Summary Account number ending in 9139 Previous Balance $15,346.60 Payments And Credits - 0.00 ;Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Fees Charged + 35.00 Interest Charged + 372.31 New Ba ante 15,753.91 See Interest Charge Calculation section following transactions for detailed APR information Credit Line $15,500.00 Credit Line Available $0.00 Cash Advance Credit Line $7,300.00 Cash Advance Credit Line Available $0.00 'You may be able to avoid Interest Charges, see Additional Important Information for details. Cd5 ack BOnus® Anniversary Month October Opening Cashback Bonus Balance $ 11 .12 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 11.12 To learn more, bg in otwww.Discovar.aam 3 Easy Ways to Contact Us 1. Access your account securely at www.Diaovereom 2. Ca11 1-800-DISCOVER (1-800.347.26831 Please have your Discover®card available 3. Write to us at Dixover PO Box 30943, Sale Lake Cily, UT 641 r30 (Not a payment address} For payments, please send to address on romiNance or Dixover, PO Box 6103, Carol Stream, IL 60197-6103 For TDD (faleeommunieations Device For tFw Deaf) assistance, please call 1.900-347.7449. Transactions Trans. Post Date DaM Fees Jun 15 Jun 15 LATE FEE $ 35.00 TOTAL FEES FOR THIS PERIOD 35.00 Interest t3rarged INTEREST CHARGE ON PURCHASES $ 372.31 INTEREST CHARGE ON CASH ADVANCES 0.00 INTEREST CHARGE CtN BALANCE TRANSFERS 0.00 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION DISClYE[~ ... LV ~ ~ traryo I w L Payment information New Bakuue $15,753.91 Minimum Payment Due' $1,207.00 Payment Due Date July 15, 2011 *Includas past due amount of $779.00 late Payment Warning: IF we do not receive your minimum payment by tEte 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 maybe increased up to the Penally APR of 29.99% variable. Mininum Payment Warning: If you make only the minimum payment each period, you will pay moro in interest and it will take you longer to pay off your balance. For example: ~~:. ~ ,... s.:: .., u ~ ~'~ ;.;• .~ x: £<>. s:o>;.nssi>~iii'iit„°'+'.,iii'i Only the minimum 61 years $147,535 payment If you would like information about credit counseling services, call 1-800.347.1121. Manage Your Account Online at vwvw.Discover.com • Access Free online tools like Paydown Planner to create a plan to down your bakxtea, seeuroly access statements, pay bills online and easily hack all transactions • Make your money worth moreu'~'-Find easy ways to ecm and redeem cash rewards • NEWT Access your account securely through your mobib phone .~i.°iai~E -' - .Paperless statements mean less clutter, more convenience Easily access up to 24 months of downloodable, password protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. • Get helpful payment reminders through e•moi! or text messages on your mobile phone. • Print a paper copy of your statement anytime. • Sign up today at Discovercom/paperless 6Y2010 Discover Bonk, Member FDIC PAPER.0310 G7 Transactions Trans. Post Z (cOnf.~ Date Date o 0 0 Interest Charged TOTAL INTEREST fOR THIS PERIOD $ 372.31 ~ 201 t Totals Year-to-Date v TOTAL FEES CHARGED IN 2011 $ 60.00 TOTAL INTEREST CHARGED IN 201 1 2,12$.17 QUeStiOns? Visitwww.Discover.com or call 1-800-DISCOVER {i-800-347-2683j, DISC®vER DISCOVER It pays to KENNETH GENTRY in 9139 c u t u b din A c o n n m er en S g page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Current Bing Period: 31 days TYPE OF BALANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE (APR) INTEREST RATE Purchases 25.24% V $27.99 $0.59 past Purchases 28.24% V $15,498.02 $371.72 Cash Advances 29.99Yo V $0 $0 V =Variable Rafe Information For You * * * ATTENTION * * * We previously requested the past due amount on your accourd. We have no record of receiving payment. The amount due should be paid at once. Additional Important Lnforrrralion See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Cad 1-800-347-2683. 1A/lsat To Do ff You Think You Find A Meafake On Your Statemen! If you think Ihere is an error on your stalamant, wrke to us at: Discover, PO Box 30421, Salt Lake Cily, UT 84130A421. fn your Letter, give us the following information: • Account fnfor»wHon: Your name and account number. • DbNar amou»f: The doNar amount of the suspected error. • t?escri Hon of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mtata ce. You must contact us within 60 days aker the ercor appeared on your statement. You must notify us of any potental ercors _in_wrdi .You may call us, but if you do we are not required to imesHgata arty potential errors and you may have to pay the amount in question. While we investigate whether or not there has been an error, ifre following are hue: • 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, iE we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees relofed 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 !F Yoe Are Diasatistred With Your Credit Card Purchases If you are dissatisfied with the goods or services that you have purchased wBh 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 moiling addross, 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 4hat accesses your credit card account do not qualify. 3. You must not yet have fully paid for the purchase. IF all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Discover, PO Box 30945, Sak lake Cily, UT 84130.0945 While we investigate, the same rules apply to the disputed amount as discussed above. After wa Finish our investigation, we wrll tell you our decision. At that point, if wa 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. htowever, you must pay at least Iha Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope pprovided. Do not send cash. BY sending your check as described above, you avfhorize us #o use information on your check to make an electronic Fund transfer from your account aF the financial institution indicated on your cheek or to process fhe payment as a check transaction. If pa ment is processed as an electronic fund transfer, the transfer will be for the amount of the cheek. When we use information ham your check to make an electronic fund fronafer, 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 yyour payment may be delayed iF you send cash, corcespondence or other items with your payment, if you sand the payment fo any tether address or if you use an envelope other than the one provided. Payments recerved m prnper 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 proeesamg Facrhty after 5PM local fime 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 aNow 7.10 days For de-livery. IF your payment rs returned unpaid, we reserve the right to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION D'SC~VER You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1.800.347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring pa ant date (e. .the 15th day of the morrtFr) that occurs before your Payment Due Date. IF your schedubd payment date falls on a weekend or bank holiday, your payment wild be processed the business day tier to the weekend or bank holiday. In order to schedule monthly payments b telepphone, you will need this statement andpyour bank account information. You will be asked to rovide the last four (4~digits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you authorize, in the amount selected by you, From your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, to correct an error in the processing of such payment. You can cancel a scheduled payment by phone at 1.800.347.2683 or by mail at Discover, f'O Box 30421, Salt lake City, UT 84130.0421; however we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tell you on each monthly billing ~atement when your payment will be made and how much d will be. You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S. law. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount. IF your scheduled fixed payment is not enouggh to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment for that month will 6e increased to cower the Minimum Payment Due. IF the scheduled payment is renter than the Minimum Payment Due, any excess wiH be applied in accordance with your Cardmember Agreement. If your scheduled payment is greater than the New Balance on your billing statement, that payment will be ocessed only for the amount of your New Balance. Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Data. If you enroll by phone in our automatic payment service, please Fill•in the following blanks below and retain the authorization . for your records. Amount: ^ Full Pay ^ Min Pay ^ Min Pay + $ ^ Fixed Pay$ , Bank Routing #: ;Bank Account #: ;frequency: Credit Reporimg. We may report information about your Account to credit bureaus. late payments, missed payments, or other def~iaiults on your Account may be re(tected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. If ou believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 153 T 6, WYmington, DE 1 9850-5 3 1 6. Please indicate your name, address, home telephone number and Account number. Paying Interest: We basin 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 fie total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot ovoid paying interest on Balance Transfers or Cash Advances. flow to Avoid Payina Interest on Purchases ("Grace Period") Ff you pat td~ie flew a ante on your previous i ing statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your curcent billing statement. New Purchases era Purc~iaiases that first appear on the current bilking statement. How We A I P menfs Ma Im cl Your Grace Period you o not pay your ew a once in eat moot ,ten, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. How We Calculate Interest Charges -Daily Balance Method (includiig current transactions}: We calculate interest charges each billing period by first figuring the "daily balance" for each Transaction Category. Transaction Cateeggories include standard Purchases, standard Cash Advances and different promotional balances, such os Balance Transfers. How We Figure the Daily Balance for Each Transaction Category • We start with the beginning balance for each day. The beainning balance For the first day of the billing period is your balance on the last day of your previous billing perioadT • We add any interest charges accrued on the previous day's daily balance and any new iransaciions 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 fE~e transaction or tea posted to your Account. • We subtract any new credits and payments. • We make other adjustments {including (hose adjustments required in the "Paying Interest" section). How We Figure Your Total Interest Charges • We multiply the dally balance for each Transaction Category by its daily periodic rate. We do this for each day in the billing period. This gives us the interest charges for each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. • We add up alt the daily interest charges. The sum is the total interest charge for the billing period. How Wo Include Foes We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject ro Interest Rote. Your statement shows a Balance Subject to Interest Rafe. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money That is owed to you. You may make charges against this amount iF your Account is open. We will send you a refund of any remaining balance of $1.00 or more after b months, or as otherwise required by applicable law. For TDD (Telecommunications Device for the Deaf) assistance, please tail 1-800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for qualify assurance purposes. The Discovermcard is issued by Discover Bank, Member FDIC RzNtEOOi Quesfiions? Vlsft www.Diuover.com or D~SC~VER call 1-800-DISCOVER (1-800-347-2683). /. New Balance Minimum Payment Due Accourrt Number ending in 9139 ~~SCOVER 515,753.91 S1,523.00 Enter Amount Enclosed Below Payment Due Date August 15, 2011 20 SDSN6A01 0013668 KENNETH GENYRY 22 ASHBURG DR MECHANICSBURG PA 17050-8203 Text APP to DISCOV• to receive a link to our tree mobile app and pay your bill in seconds from anywhere) PO BOX 71084 I~Inrllnur~r~~~ru~n~r~ CHARLOTTE NC 28272-1084 Address, email or telephone change8 ~rr~rllu~urlriiur~rr~rlurll~lnr~u~uiu~~nlnlulrln~~ Go to www.Discowr.com or print change in space above. 000001986y58932953553157539100000000152300 Opening Date: June 21, 2011 -Closing Date:.lury w, Discover More Card Account Summary Account number ending in 9139 Previous Balonce $15,753.91 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 Ba ante 15,753.91 See Interest Charge Calculation section following transactions for detailed APR information Credit line $15,500.00 Credit line Availabb $0.00 Cosh Advance Credit Line $7,300.00 Cosh Advance Credit line Available $0.00 COSfItXtC1C IjOnUS® Anniversary Month October Opening Cashback Bonus Balance $ 11.12 New Cashback Bonus This Period + 0.00 Redeemed This Period - 11.12 Cashback Bonus Balance $ 0.00 To learn more, b9 to at www.Discover.com 3 Easy Ways to Contact Us 1. Access your account securely at www.Discowr.eom 2. Cali 1-800~DISCOVER (1-800-347-2683) Please have your Discover®card available. 3. Write to us aF Discover PO Box 30943, Salt lake City, UT 841 ~0 {Not a payment address) For payments, please send to address on remiRance or Discover, PO Box 6103, Caro! Stream, IL 60197.6103 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800.347-7449. 2011 page l of 2 Payment Information New Balance $15,753.91 Minimum Payment Due` $1,523.00 Payment Due Date August 1 S, 201 1 'Includes past due amount of $1,207.00 late Payment Warning: if we do not receive your minimum payment by the date listed above, you may haw 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 fake you longer to pay off your balance. For example: .~:.: a: :.: ;:~,: ,,. , ):' ...rfc:Y`i %:h7~!%?}~ ..;Jt :..~:'<rk,~iii~'s::::i?i;. Onlythe minimum 12 years $15,754 payment If you would like information about credit counseling services, call 1-800.347-1121. Manage Your Account Online at www.Discover.com • Access free online tools like Paydown Planner to create a plan to down your balance, securely access statements, pay bills oaline and easily tmck all tranuactions • Make your money worth moresM-find easy ways to cam and redeem cash rewards • NEWT Access your account securely through your mobNe phone Transactions Trans. Post Date Daro Fees TOTAL FEES FOR THIS PERIOD $ 0.00 Interest Charged TOTAL INTEREST F'OR THIS PERIOD $ 0.00 2011 Totals Year-to-Date TOTAL fEES CHARGED IN 2011 $ 60.00 TOTAL INTEREST CHARGED IN 2011 2,128.17 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORIVL4TION Dt5 ER -~~ -~-~ Paperless statements mean less clutter, more convenience Fastly 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. j • Print a paper copy of your statement anytime. I i • Sign up today at Discovercom/paperless ~r2010 Dixovor Soak, Member FDIC PAPER.0310 ~ to v z o~ D o_ 0 0 m So' X w QUe5#IOnS? Visit vvww.Discover.com or ~ISCiVER cal( 1-800-DfSCOVER (f-800-347-2683. DISCOVER ttpaysto .fS.~~;, KENNETH GENTRY Account number ending in 9139 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR] is the annual interest rate on your account. Current Baling Period: 30 days TYPE OF BAiANCE ~~ ERCENTAGE ECf TO INTEREST CHARGE ~PR} l~ ~ ~~ Purchases 25.24% V $0 $0 Past Purchases 28.24% V $0 $0 Cash Advanws 29.99% V $0 $0 V =Variable Rate Additional Important Information See your Cardmamber Agreement. Your Cardmember Agreement contains all the terms of your Account. lost or stolen cards. Report immediately) Cag 1-800-347-2683. What To Do ff You Think Yov Find A Mistake On Yovr Staitemenf If you Think there is an error on your statement, write to us at: Discover, PO Box 30421, SaH lake City, UT 84130A421. In your letter, give us the following information: • Account information: Your name and ateount number. • Dollar amount: The dollar amount of the suspected error. • Deseri lion oof Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake. You must contact us within 60 days aker the error appeared on your statement. You must notiiy us of arty potential errors i~n wrttin .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 folowing are true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question ma remain on your statement, and we may continue to charge you interest on that amount. But, If we determine that we made a mistake, you will not have to pay the amount in question or any interest or other Fees rekrted 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 Arc Disaafis~ied 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 Fakh 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: 1.7he purchase must hove been made in your home state or within i 00 miles of your current mailing address, and the purchase price must have bean 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 Fhe goods or services.] 2. You must have used your credit card for the purchase. Purchases made with cash advances kom an ATM or with a check that accesses your credit card accounf do not qualify. 3. You must not yet have fully paid forthe purchase. - - Ifall of the criteria above are met and you are still dissotsfied with the purchase, contact us in writing at: Discover, PO Box 30945, SaH Lake Citj+, UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we wiN 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. Paymsnts. You may pay all or earl 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 snvebpe prowled. Do not send cash. 8y sending your check as described obove, you authorize us to use information on your check to make an elechonic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If p meat 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 kom 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 Hems wNh your payment, if you send the payment o any other address or if you use an envelope other than the one provided. Payments received in proper form at our processing Faciliy by 5PM local time on any day will be credited ro your Account as of that day. Paymenh received at our processing Facility after 5PM bcal 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 601 9 7-6 1 03. Pk3ose allow 7-10 days for delivery. If your payment is returned unpaid, we reserve the rig~it to resubm'rf it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION D'SC~VER You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1-S0Q347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring paymeat date {e. ., the 15th day of the month) that occurs bet«e your Payment Due Date. If your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day pprior to the weekend « bank holiday. In order to schedule monthly payments b teleepphone, you will need this statement andyour 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 elec onic signature, you will be agreeing to this authorization to allow us and your bank to deduct each payment you each«ize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or credit entries to your bank account, as applicable, o correct an error in the processing of such payment. You can cancel a scheduled payment by phone ai 1.800.347-2683 «by mail at Discover, PO Box 30421, Salt lake City, UT 84130.0421; however we must receive notice at least three business days in advance of the scheduled payment. If your paymenh may vary in amount, we wilE teEl you on each monthly billing statement when your payment will be made and how much it will be. You must ensure that sufficient funds are available in your bank account, and all fransactions must comply with U.S. law. You can set automatic payments for: (i} statement New Balance, (ii) statement Minimum Payment Due, {iii) statement Minimum Payment Due plus a fixed dolor amount, or {iv} a fixed dollar amount. If your scheduled fixed payment is not enouggh fo cover the Minimum Payment Due as listed on your monthly billing statement, your schedued payment for that month will 6e increased to cover the Minimum Payment Due. If the scheduled payment is realer than the Minimum Payment Due, any excess will be appPlied in accordance with your Cardmember Agreement. IF your scheduled payment is greater than the New Balance on your billtn statement, that payment will be processed one, for the amount of your New Balance. Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: ^ Full Pay ^ Min Poy ^ Min Pay ~ $ ^ Fixed Pay$ , Bank Routing #: ;Bank Account #: ;Frequency: Credit Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and payment history of your Account to credit reporting agencies each month. if ou believe that our report is inaccurate or incomplete, please write us at the foElawing address: Discover, PO Box T 5316, WYmington, DE 198545316. Please indicate your name, address, home telephone number and Account number. Pacing 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 tie total amount you owe us. 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 Payina Interest on Purchases ("Grace Period"1 yiF ou paiTFt a f~ew~Tnce on your previous-biIImg s ement by the Payment Due Date shown on that billing statement, we wilt not impose interest charges on new Purchases or an portion of a new Purchase, paid by the Payment Due Date on your current billing statement. New Purchases ore Purcftases that first appear on the current bdlmg statement. tiow We A ! Pa eats Ma Im ct Your Grace Period you o not pay your ew a once in eac man ,ten, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. How Wo Calculate Interest Charges -Deify Balance Method (including currant transactions}: We calculate interest charges each billing period by First figuring fha "daily balance" for each Transaction Category. Transaction Categories include.... standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers. How We Figure the Daily Balance for Each Transaction Category • We start with the beginning balance for each day. The beginning balance for the first day of the billing period is your balance on the last day of your previous billing peri~odd'' • 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 Eee posted to your Account. • We subtract any new credits and payments. • We make other adjustments {including those adjustments required in the "Paying Interest' sectionj. How We Figure Your Total Interest Charges • We multiply the daily balance for each Transaction Category by its daily periodic rate. We do this for each day in the billing period. This gives us the interest charges for epch Transaction Category. To get a daily periodic rata, we divide the APR that applies to the Transaction Category by 365. • We add up all the daily interest charges. The sum is the local interest charge for the billing period. How We Indude Feas We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. We add Cash Advance fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject ro Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category- The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. IF your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount iF your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable law. For TDD (Telecommunications Device for the DeaQ assistance, please call 1-S01J-347-7449. Discover may monit« and/« record telephone calls between you and Discover representatives for quality assurance purposes. The Discoverocard is issued by Discover Bank, Member FDIC RZNFE001 QUeSt1011S~ Visit www.Disoover.com or call 1-800-DISCOVER ~ 1-800-34.7-2683). DISCSVER New Balarrca Minimum Payment Due Account Number ending in 9139 ~~SC~VER $15,753.91 $1,839.00 Enter Amount Enclosed Bebw Payment Due Date ~ [•'~` September 15, 2011 20 SDSNfiA01 0013669 KENNETH GENTRY 22 ASHBURG DR NECHANICSBURG PA 17050-8203 PO Box 71084 Illrrrllrrrrrlrlllrrrlrrlrl CHARLOTTE NC 28272-1084 Address,e•mailortelephonechange;! Irrlrllnlrulrllnrlrrlrlnlllllurlrrlulr~llulnlulrlull Go to www.Discovsr.com or print change in space above. 0000019864589329535531575391DD000DD018390D Opening Dane: July 21, 2011 -Closing Date: August 20, 2011 Discover More Card Account Summary Account numbx ending in 9139 Previous Balance $15,753.91 Payments And Crodits - 0.00 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Fees Charged + 0.00 Interest Charged + 0.00 New Ba nce 15,753.91 See Interest Charge Calculation section following transactions for detailed APR information Credit Line $15,500.00 Credit lin6 Available $0.00 Cash Advance Credit Line $7,300.00 Cash Advance Credit Line Available $0.00 Caslf at c l3onus® Anniversary Month October Opening Cashback Bonus Balance $ 0,00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 To learn more, bg in m www.Distovar.com 3 Easy Ways to Contact Us l . Access your account securely at www.Discover.com 2. Call 1-804DISCOVER (1-800.347.2683) Please have your Discover®card available. 3. Write to us at Discover, PO Box 30943, SaN Loke City, UT 84130 (Not a payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197-b 103 For TDD (telecommunications Device Far the Deaf) assistance, please call 1-804347.7449. Text APP to DISCOV' to receive a tlnk to our free mobile app and pay your till in seconds from anywhere) 1 N L Payment Information New Balance $15,753.91 Minimum Payment Due* $1,839.00 Payment Due Date September 15, 2011 *Ineludes past due amount of $1,523.00 Lacs Payment Warneg: 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 Penahy 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 bnger to pay off your balance. For example: w:.~4.. ...~3F•'.. ~.. 4 s0l~:s Only the minimum 12 years $15,75Q payment If you would like information about credit counseling services, call 1-800-3.47-1121. Manage Your Account CMline at www.Diswver.com • Access free online toda like Paydown Planner to create a plan to pay down your bakurce, securoly access statemenh, pay bills online and cosily track all transactions • Make your money worth moreSM-Hnd easy ways to earn and redeem cash rewards • NEWT Access your account securely through your mobile phone Transactions Trans. Poe! Date Date Foes TOTAL FEES FOR THIS PBIIOD $ 0.00 Interost Charged TOTAL INTEREST FOR THIS PERIOD $ 0.00 2011 Totals Year-to-Date TOTAL FEES CHARGED SN 2011 $ 60.00 TOTAL INTEREST CHARGED fN 2011 2,128.17 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION ~ISC~ . ; EIS 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 a-mail or text messages on your mobile phone. • Print a paper copy of your statement anytime. • Sign up today at Discovercom/paperless ®2010 Discover SanE, Membm fDIC PAPER.0310 ur 2 rn D o_ 0 O V1 X Questions? Visit www.Discover.com or DISC®VER call 1-800-DISCOVER (1-800-347-2683. hpoysto DISC®VER SCt~ ~ KENNETH GENTRY Account number ending in 9139 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate APR) is the annual interest rate on your account. Currant Billnrg Period: 31 days TYPE OF BAIANCE ANNUAL PERCENTAGE BALANCE SUBJECT TO INTEREST CHARGE RATE (APR) INTEREST RATE Purchases 25.24% V $0 $0 Peat Purdrases 28.24% V $0 $0 Cadr Advances 29.99Yo V $0 $0 V =Variable Rata Additional tmporfarrt lrrForcnatian Sae your Ca~dmanbsr Agreement. Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Cad 1-800-347-2683. What To Do N You Th7nk You F7srd A M7sfake Crn Your Statemerrf If you think there is an error on your statement, write to us at: Discover, PO Box 30421, Sall lake Cify, UT 84130-0421. In your letter, give us the following information: • Aeeount information: Your name and account number. • Dolkrr amount The dollar amount of the suspected error. • Description of Problem: 1f you think there is an error on your bill, describe what you believe is wrong and why you believe it is a misto e. You must contact us within 60 days offer the error appeared on your statement. You must rt~ify vs of any potential errors __In~____w~~ri__t~~~in~~. You may call us, but if you do we aro not required to investigate any potential ercors and you may have to payer nt in queshon. Whiks we investlgafe whether or not Ihere has been an ercor, 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 ro charge you interest on that amount. But, if we determine that we made a mistake, you wlll 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 Riuhta 7f You Are D7aaafiared 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 fried En 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: 1.7he 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 Ihan $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.l 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 musYnot 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 writin ot: Discover, PO Box 30945, Saff take City, UT 8 4 1 30-0945 While wa 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 maypay all or part of your Account balance at any lime. However, you must pay of 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. BY sending your check as described above, you authorize us to use information on your check to make an electronic fund transfer from your account at the financial institution indicated on your check or to process the payment as a check transaction. If pa ent is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment maybe delayed if you send cash, correspondence or other items with your payment, if you send the payment o any other address or if you use an envelope other than the one provided. Payme s received in proper form at our processing facility b SPM local time on arty dayy will be credited to your Aceounf as of that day. Paymens received at our processing facilely offer 5PM local time vnll 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 albw 7-10 days for delivery. If your payment is rehrrnad unpaid, we reserve the rig~it to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION D~ ~' VE~ --I You can pay ur monthly Mi»imum Payment Due, or a greater amount that does not exceed your current Account balance, over the tale one or you wn setup automatic payments through a customer service representative by calling 1.800-347- 683. Automatic payments will be deducted on itre Payment Due Date unless you request a recurring meM date (e. .the 15th day of the month] that occurs before your Payment Due Date. If your scheduled payment date f~ on a weekend or bank hoiday, your payment will be processed the business day riar to the weekend or bank holiday. In order to schedule monthly payments telepphone, you will need this statement andpyour bank account information. You will be asked to provide the lost four (4~digits of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each pa eat 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 tcable, to correct an error in the pr«essing of such payment. Yov can cancel a scheduled payment by phone at 1-8~3d7.2683 or by mail of Discover, PO Box 30421, Sah lake City, UT 84130.0421; however we must receive notice at least three business days in advance of the scheduled payment. If your payments may vary in amount, we will tefl you on each monthly billing statement when your payment will be made and how much rt will be. You must ensure that sufficient funds are available in your bank account, and all transactions must comply with U.S, law. You can set automatic payments For: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (ivj a Fixed dollar amount. If your scheduled fixed payment is not enouggh to cover the Minimum Payment Due as listed on your monthly bitting statement, your scheduled payment For that month will be increased to cover the Minimum Payment Due. IF the scheduled payment is renter than the Minimum Payment Due, any excess will be applied in «eordance with your Cardmember Agreement. It your scheduled pa eat is greater than the New Balance on your- billing statement, that payment will be processed only for the amount of your New Balance. Your automatic payment amount maybe less than the amount indicated on the periodic statement based on credits or payments aker the Cbsing Date. IFyou 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 + $ ^ Fixed Pay$ , Bank Routing #: ;Bank Account #: ;Frequency: Gedif Reporting. We may report information about your Account to credit bureaus. Late payments, missed payments, or other defauks on your Account may be re9ected in your credit report. We normally report the status and payment history of your Accoun# to credit reporting agencies each month. If }rou believe that our report is inaccurate or incomplete, please write us at the foNowing address: Discover, PO Box 15316, Wilmington, DE 19850.5316. Please indicate your name, address, home telephone number and Account number. Paying Inlerost: 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 tie total amount you owe us. You can avoid paying interest on Purchases as described below. However, you cannot avoid paying interest on Balance TrnnsF®rs or Cash Advances. How to Avoid Paying Interest on Purchases- I"Grace Period"1 you pat t e ew a nee on your previous i irg statement by the Paymerrt 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 Date on your current bit mg statement. Naw Purchases are Purc uses that first appear on The current billing statement. How We A I Pa merits Ma Im ct Your Grace Period you o not pay your ew a once in eac moot ,ten, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. Ftow We Calculate Interest Charges - tlaify Balance Method lincluding current transactionsj: We calculate interest charges each billing period by First Figuring the "daily balance" for each Transaction Category. Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers. How We Figure the Daily Balance for Each Transaction Category • We start with the beginning balance for each 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 mvNiply the Bally balance for each Transaction Category by its daily periodic rate. We do this for each day in the billing period. This gives us the interest charges for each Transaction Category. To get a daily periodic rate, v/e divide the APR that applies to the Transaction Category by 365. • We add up all the daily interest charges. The sum is the total interest charge for the billing period. How We include fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to Interost Rate. Your statement shows a Balance Subject to Interest Rate. h shows this far each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. IF your Account has a credit balance, the amount is shown on the Eront of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after b months, or as otherwise required by applicabte law. For TDD (telecommunications Device for the Deaf) assistance, please call 1-800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives for quality assurance purposes. The Discover°card is issued by Discover Bank, Member FDIC RZNFE001 QU@St10nS~ Visit www.Discover.com or ~~SCiVER call 1-800-DISCOVER (1-800-347-2683). Naw Balance Minimum Payment Due Account Number ending in 9139 D'SC~VER $15,753.91 S2,155.00 Enter Amount Enclosed Below Payment Due Date October 15, 2011 20 SDSN6A01 0013670 KENNETH GENTRY 22 ASHBURG 1)R MECHANICSBURG PA 17050-8203 Text APP to OISCOV' to receive a ilnk to our free mobile app and pay your bill in seconds from anywtteref PO BOX 71084 111rrr11rr"'1'111rss1"~'~ CHARLOTTE NC 28272-1084 Address, o-moil or telephone change? Irtlrllulurltllr,rlnlr~n:1111nr~u1u1u11nIr,InIrIn11 Go to www.Discowr.com or print change in space above. 000001986458932953553157539100000000215500 Opening Date: August 21, 2x11 - Closing Date: 5epte Discover More Card Account Summary Account number ending in 9139 Previous Balance $15,753.91 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 15,753.91 See Interest Charge Calculation section fdlowtng transactions for detailed APR information Credit Line $15,500.00 Credit Une Available $0.00 Cash Advance Credit line $7,300.00 Cash Advance Credit Line Available $0.00 Coshback 13onus® r- Anniversary Month October Gpening Coshbock Bonus Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance $ 0.00 To learn more, log in m www.0ixover.com 3 Easy Woys to Contact Us 1. Access your account securely at www.Discover.com 2. Call 1-800•DISCOVER (1.800.347-26831 Please have your Discoverecard available. 3. Write to us of Discover, PO Box 30943, Sclt Lake City, UT 84130 (Not a payment address) For payments, please send ro address on remittance or Discover, PO Box 6103, Carol Stream, IL 60197.6103 For TDD (Telecommunications Device For tha DeaFl assistance, please call 1.800.347-7449. Transactions Trans. Post Date Dale Fees TOTAL FffS FOR THIS PERK)D $ 0.00 Irrtersst Cfrarged T07AI.1tJTfREST FOR TH15 PBtIOD $ 0.00 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 $ 60.00 TOTAL INTEREST CHARGED IN 2011 2,126.17 suer w, zu t I page t or Payment Information New Balance $15,753.91 Minimum PaymentDue* $2,155.00 Payment Due Date October 15, 2011 *Includes past due amount of $1,839.00 lAtte PaytrreM Wamitg: If we do not receive your minimum payment by the dote listed above, you may have to pay a late Fee of up to $35.00 and your purohase and balance transfer APRs for new tmnsadions may be increased up to the Penalty APR of 29.99% variable. Minimum Paymerrt Warning: If you make only the minimum payment each period, you will pay more in interest and it will take you longer to pay off your balance. For example: ,~ ~ t; 'i:> .. e~• 0;.:+: F:i:v PY...S:~:kcr,.i: % / :)%:i ~'i:i:S i:::^i::: ~ ~eejj~5, :..~ .i:<. ::$:''~i2f.`-S:i:,:i:!KX::"r.::r,::3 Vii::: Only the minimum 12 years $15,754 payment IF you would like information about credit counseling services, call 1-800-347-1121. Manage Your Aa:ount Online at www.Discover.com • Access free online toils like Paydown Planner to create a plan to pay down your balance, securely access statements, pay bills online and easily track all transactions • Make your money worth moreSM-find easy ways to cam and redeem cash rewards • NEWT Access your account securely through your mobile phone NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION ~~SCMVEit 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 stotement anytime. • Sign up today at Discovercom/paperless ~ ®2010 Discover Bank, Member FDIC PAPER.0310 O Z m D o_ 0 0 rn v 0 X QU~StI0I15? Visit vrww.Discover.com or ~'SCSVER call 1-800-DISCOVER (1-800-347-2683). Y DtSC~VER ttpoyaro KENNETH G€NTRY ~~~~ Account number ending in 9139 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APRs is the annual interest rate on your account. Currant B~Ifng Period: 31 days TYPE OF BALANCE Purdwsoa Past Purdwses Cash Advance: V . Vnriable Rate Additiond Important lnformatfon See your Cardmember Agreement. ANNUAL PHtCENTAGE RATE (APR) 252496 V 28.2.4% V 29.99% V 1MBA SCE S~U,~ ECT TO $0 $0 $0 INTEREST CHARGE $0 $0 $0 Your Cardmember Agreement contains all the terms of your Account. Lost or stolen cards. Report immediately! Cdl 1.800.347-2683. What To Do !F You Thick You Find A Mistake on Your Statement if you think tharo is an error on your statement, write to vs 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 doper amount of the suspected error, • Dascri lion of Problem: IF you think there is an error on your bit{, describe what you believe is wrong and why you believe d is a mrsta e. You must contact us within 60 days after Mte error appeared on your statement. You must notify us of any potential errors in writin .You may call us, but if you do we are not required To investigate any potential errors and you may have to pay f amount in que~ron. While we investigate whether or not there has been an error, the Following are true: • We cannot try to cdlect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may confinue to charge you interosf on that amourM. But if we determine that we mode o 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 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 Arc Disaatiafied tNrth Yovr Credit Cord Punhases If you are dissaNsfred with the goods or services that ynu have purchased with your credit card, and you have hied in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: i .The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary iF your purchase was based on an advertisement we mailed to yrou , ar 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. 3r You must not yet have fully paid for the purchase. - - - - Ifall of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Discover, PO Box 309d5, SafF Lake City, UT 84130.0945 While we investigate, the same rules apply to the disputed amount as discussed above. After we Finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay we may report you as delinquent. Payments. You may pay all or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the Payment Due Date. Send only your payment and the top portion of this statement in the envelope provided. Do not send cash. By sending your check as descnbed above, you authorize us to use information on your check to make an electronic fund hansfer from your aocounf of the financial instifuton indicafed on your check or to process the payment as a check transaction. If payment is processed as an electronic fund transfer, the hansfer will be for the amourd of the check. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be delayed iF you send cash, correspondence or other itema with your payment, if you send the paymenF fo anyy other address or if you use an envelope other than the orre provided. Payments received m proper form aT our processing Mcility by 5PM local time on any dayy will be credited to your Account as of that day. Payments received at our processmg faalily offer 5PM focal time will be credited to ur Account as of the next day. If you have misplaced your envelope, send your payment to Discover, PO Box 6103 Carol Stream, IL 601 97-6 1 03. Pbose allow 7-10 days for delivery. If your payment is returned unpaid, we reserve the rig~rt to resubmit it as an elechonic debit, NOTICE: SEE REVERSE SIDE FOR IMPORTANT 1NFORMATION Dr~~VE~ You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic paymenh through a customer service representative by calling 1-800.347.2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring pa meat date (e. .the 15th da of the month) that «curs beforo your Payment Due Date. If your xhedufed payment date Falls on a weekend or bank holidyay, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b telephone, you will need this statement and your bank account information. You will be asked to provide the last four [4~digits of the s«ia) security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to tfiis authorization to albw us and your bank to deduct each pa eat you authorize, in the amount selected by you, from your bank acwunt. You also authorize us to initiate debit or credit entries to your bank account, as applicable, to cortect an error in the processing of such payment. You can cancel a xheduled payment by phone at 1-800.347-2683 or by mail at Discover, F'O Box 30421, Salt Lake City, U7 84130.042 i; however we must receive ndice 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 billing statement when your payment will be made and how much it will be. You must ensure that sufficient Funds are available in your bank accounf, and alt transactions must comply with U.S. law. You can set automatic payments for: (i) statement New Balance, (ii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or [iv) a fixed dollar amount. tf your scheduled fixed yment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled paymen~for that month will be increased to cover the Minimum Payment Due. If the scheduled payment is greater than the Minimum Payment Due, any excess will be appplied in accordance with your Cardmember Agreement. If your scheduled p eat is greater than the New Balance on your billet statement, Ihat payment will be rocessed only for the amount of your Naw Balance. Your automatic paymeat amount maybe less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service, please RII-in the following blanks bebw and retain the authorization for your records. Amount: ^ Full Pay ^ Min Pay ^ Min Pay + $ ^ Fixed Pay$ , Bank Routing #: ;Bank Account #: :Frequency: Credit Reporting. We may report information about your Account to credit bureaus. late payments, missed payments, or other deFaulfis on your Account maybe reflected in your credit re~rt. We normally report the status and payment history of your Account to credit reporting agencies each month. IF you be it eve that our report is inaccurate or incomplete, please write us at the folbwirg address: Discover, PO Box 15316, Wilmington, DE 19850.5316. Please indicate your name, address, home telephone number and Account number. Paying Irrteresf: We begin to impose interest charges on a fransaction fee or interest charge From the day we odd if to the daily balance. We continue to impose interest charges until you pay tree total amount you owe us. You can avoid peying interest on Purchases as described bebw. However, you cannot avoid paying interest on Balance Transfers or Cash Advances. How to Avoid Pavia~Interest on Purchases F"Grace Period"i gaff u pai~i~e flewBalance on your previous i i-6 all g statement by tho 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 pate on your current billing statement. New Purchases are Pure~ases that First appear on the current billing statement. How We A I Pa meats Ma Im act Your Grace Period you o not pay your ew a once in eac moat , f n, depending on the balance to which we apply your payment, you may no} get a grace period on new Purchases. How We Calculate Interest Charges -Daily Balance Method (including current hans«tions): We calculate interest charges each billing period by First R ariag the "daily balance" for each Transaction Category, Transaction Categgories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers. How We Figure the Daily Balance for Each Twnsaction Category • We start with the be inning balance For each day. The be inning baionce for the first day of the billing period is your baionce 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 subfract 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 Bally balance for each Transaction Category by its daily periodic rate. We do this for each day in the billing period. This gives us the interest charges for each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365. • We add up all the daily interest charges. The sum is the total interest charge for the billing period. How We Include Feas We add Balance Transfer fees to the applicable Balance Transfer Transaction Category We add Cash Advance fees to the a licable Cash Advance Transaction Category. We add all other fees fo the standard Purchase Transaction Category. Balance Subject to Interest Rate. Your statement shows a Balance Subject to Interest Rate. It shows this for each transaction category. The Balance Subject to Interest Rafe 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 cfwrges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more aher b months, or as otherwise required by applicable law. For TDD [telecommunications Device For the peat) assistance, please call 1-800-347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives For quality assurance purposes. The Discover®card is issued by Discover Bank, Member FDIC RZNFE001 Questions? Visit www.Discover.com or ~~SGOVER call 1-800-DISCOVER {1-800-347-2683). CC New Balance Minimum Payment Due Account Number ending in 9139 DISC,~~LR $15,753.91 $2,471.00 Enter Amount Enclosed Below Payment Due Date November 15, 2011 20 SOSN6A01 0013671 KENNETH GENTRY 22 ASHBURG DR MECHANICSBURG PA 17050-8203 Text APP to OISCOV" to receive a Ilnk to our tree mobile app and pay your WII In seconds from anyvfierel PO BOX 71064 Illrrrllrrrrrlrlllrsrlrrlel CHARLOTTE NC 28272°1084 Address, email orielephonechange$ Inlrllnlu~lrllrrslnlrlnrllllrniulrrinllrrluiulrlull Go to www.Discovarcom or print change in space above. DD0001986458932953553157539100000DOD24710D Opening Dalb: September 21, 2011 - Cbsing Dote: O Discover More Card Account Summary Account number ending in 9139 Previous 13darxe $15,753.91 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 15,753.91 See Interest Charge Calculation section falbwing transactions for detailed APR information Credit Line $15,500.00 Credit Line Available $0,00 Cash Advance Credit Line $7,300.00 Cash Advance Credit Una Available $0.00 Casltback BonUSe Anniversary Month October Opening Cashback Borws Balance $ 0.00 New Cashback Bonus This Period + 0.00 Cashback Bonus Balance ~$ 0.00 To learn more, b9 in otwww.Discover.eom 3 Easy Ways to Contact Us 1. Access your account securely at www.l)'rocover.com 2. Call 1-800-DISCOVER (1-800-347-2683 Please hove your Discover®card avaibb e. 3. Write to us at Discover PO Box 30943, Sak Lake City, UT 841 t30 Not a payment address) For payments, phase send to address on remittance or Discover, fro Box 6103, Carol SMeam, IL 60197.6103 For TDD (Telecommunications Device for IFie Deaf) assistance, please call 1.804347-7449. aver w, cv r i Pg5° t ~• Payment Information New Balance $15,753.91 Minimum Payment Due• $2,471.00 Payment Due Date November 15, 2011 "Includes past due amount of $2,155.00 Lois Payment Warning: If we do not receive your minimum payment by the date listed above, you may have to pay a late Eee 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`Y• 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: ~. •:Ii r -0: ~ ft :. ~: e' .:, ..;tir~: z":.N Only the minimum 12 years $]5,754 payment If you would like information about credit counseling services, call 1.800.347-1121. Manage Your Account Online at www.Discovercom • Access free online toils 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 moraSM-find easy ways to eam and redeem cosh rewards • NEWT Access your account securelythrough your mobile phone Tronsattions Tranz. Post Dale Date Fees TOTAL FEES FOR THIS PERIOD $ 0.00 lnterost Charged TOTAL INTEREST FOR THIS PERIOD $ 0.00 2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 $ 60.00 TOTAL INTEREST CHARGED IN 2011 2.128.17 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION ~~ ~~~ _ -szegsaSF ~- - - r - -- --- Paperless statements mean less clutter, more convenience ~k Eosily access up to 2A months of downloadoble, password protected statements. • See your statement as soon as it's ovailoble rather than wait for it to arrive in your mailbox. ~ • Get helpful payment reminders through a-mail or text messages on your mobile phone. I • Print a paper copy of your statement anytime. • Sign up today of Discovercom/paperless ~'I010 Dittover Bank, Member FDIC PAPt:R.0310 O Z a) D _o 0 0 w m V X w QUeSf10n5Y Visit www.Disrnver.corn or ~ISC~VER call 1-800-DISCOVER (1-800-347-2683). DISCOVER ttpayst° f;~~y KENNETH GENTRY ER. Account number ending in 9139 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rata (APR) is the annul interest rate on your account. Current Baling Period: 36 days ERCENTAGE TYPE OF BALANCE ~~U EECT TO ~~ RA INTEREST CHARGE ~ INTE T Purchases 25.24% V $0 $0 Past Purchases 28.24% V $0 $0 Cash Advarreos 29.99% V $0 $0 V =Variable Rate Additiond Important Information See your Cardmember Agreement. Your Cardmember Agreement contains all the terms of your Account. lest or stolen cards. Report immediately) Call 1-800-347-2683, W6a! To Do If You Tlrfek You Find A Mis-ake On Your Sialemen! IFyou brink there is an error on your statement, write to us at: Discover, PO Box 30421, Saff Lake City, UT 84130A421. in yavr letter, give us the folk»virtg information: • Account information: Your name and account number. • Dolior omount: The ddlar amount of the suspected ercor. • Descri Pion of Problem: IFyou think Ihere is an error on your bill, describe whaF you believe is wrong and why you believe d is a mists ce. You must contact us within 60 days affar the error appeared on your statement. You must notify us of any potential orcors in wr~itln .You may call us, but if you do we are not requirod to investigate ony potential ercors and you may have to pay the amount in question. While we investigate whether or not there has been an ercor, the following aro true: • We cannot try to collect the amount in question, or report you as delinquent on that amount. • The charge in question ma remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not (rave to pay the amount in question or any interest or other fees refuted to that amount. • While you do not have to pay the amount in question, you are responsible far the remainder of your balance. • We can apply any unpaid amount against your credit limit. Your Riohls If You Are Dissatisfied ~_ rh Your Credit Cord Purehnses 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 hove the right rrot to poy the remaining amount due on the purchase. To use this right, all of the following must be true: l .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 rt we own the company that sokf you tfte goods or servrces.j 2. You must have used your credit card for the purchase, Purchases made with cash advances Gom an ATM or with a check that accesses your credit card account do not qualify. 3. Yov must not yet have fully paid for the purchase. IF all of the criteria above are met and yyou are still dissotisfied with the purchase, contact us in wrHinq at: Discover, PO Box 34945, Saff lake Cily, UT 84130-0945 While we investigate, the same rules apply to the disputed amount as discussed above. Aker we finish our investigation, we will tell you our decision. AF that point, if we think you owe an amount and you do not pay we may report you as delinquent. Paymsnts. You maypay all as part of your Account balance at ony time. However, you must pay ar least the Minimum Payment Due by the Payment Due Date. Send on{y your payment and the top portion of this statement in the envelope provrded. Do not send cash. Byy sending your check as described above, you autfrorize us to use information on your check to make an electronic fund iranster from your account at the financial institution indicated an your check or to process the ppaayment as a check transaction. If pa ment is prxessed as an electronic fund transfer, the transfer wit{ be for the amount of the check. When we use information from your check to make an electronic fund transfer, funds ma be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment o any other address or if you use an envebpe other than the one provided. Payments received rn proper form at our processing facility SPM local time on arty dayy wdl be credited to your Account as of tfrat day. Payments received at our processing facrli offer 5PM local time wrll be credited to your Account as of the next day if you have misplaced your envelope, send your payment to Dixover, f'O Box 6103 Carol Stream, IL 601976103. Please allow 7-10 days for delivery. IF your payment is returned unpaid, we reserve the riglif to resubmit it as an electronic debit. NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION ~- __ ---- -ter- You can pay your monthly Minimum Payment Due, or a greater amount that does nct exceed your current Account balance, over the to-ephone or you can setup automatic payments through a customer service representative by calling 1-800-347-2683. Automatic payments will be deducted on the Payment Due Date unless you request a recurring pa ent date (e.. the 15th day of the month) that occurs before your Payment Due Dafe. IF your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule mordhly payments b telephone, you will need this statement and your bank account information. You will be asked to provide the last four {4~digifs 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 albw us and your bank to deduct each pa ent you authorize, in the amount selected by you, from your bank account. You also authorize us to initiate debit or creditnentries to your bank account, as a kable, to cortect an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-80.347-2683 or by mail at Discover, PO Box 30421, Salt Lake City, UT 84130.042 f ; 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 biflirq statement when your payment will be made and how much if will be. You must ensure that sufficient funds are available in your bank account, and all transactions must wmply with U.S. law. You can set automatic payments for: (i} statement New Balance, {ii) statement Minimum Payment Dve, {iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dolor amount. If your scheduled fixed payment is not enough to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment far that month will be increased to cover the Minimum Payment Due. If the scheduled payment is realer than the Minimum Payment Due, any excess will be appPlied in accordance with your Cardmember Agreement. It your scheduled payment is greater than the New Balance on your brllm statement,lhat payment will be ceased only For the amount of your New Balance. Your automatic payment amount may be less than the amount indicated on the periodic statement based on credits or payments after the Closing Date. If you enroll by phone in our automatic payment service, please Fill-in the following blanks below and retain the authorization For your records. Amount: ^ Full Pay ^ Min Poy ^ Min Pay + $ ^ Fixed Pay$ , Bank Routing #: ;Bank Account #: ;Frequency: Credit Reporting. We may report information about your Acwunt to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reRected in your credit report. We normally report the status and payment history of your Account to credd reporting agencies each month. If ou believe that our report is inaccurate or incomplete, please write us at the Following address: Discover, f'O Box 15316, W~Imington, DE 1 9850.53 1 6. f'laose indicate your name, address, home telephone number and Account number. Payingy Irrtarest: We begin to impose interest charges on a transaction, fee or interest charge from the day we add it ro the daily balance. We continue to impose interest charges until you pay the total amount you owe us. Yov can avoid pcrying interest on Purchases as described below. However, you cannot avoid paying interest on Balance Transfers or Cash Advances. How to Avoid Paying Interest on Purchases ("Grace Period) ll'you paw t~~3ewgaTance on your previousTi toll g statement by the Payment Due Date shown on that billing statement, we will not impose interest charges on new Purchases or any portion of a new Purchase, paid by the Payment Due Date on your current billing statement. New Purchases are Purc~ases that hrs# appear on the current billing statement. How We Apply Payments May Im~oct Your Grace Period you o not pay your~ew~a-lance in eac mon7i~t ten, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. liow We Calculate Interest Charges • Daily Balance Method {including current transactionsj: We calculate interest charges each billing period by first figuring the 'daily balance" For each Transaction Category. Transaction Categories include standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers. How We Figure the Daily Balance for Each Transaction Category • We stars 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 artd 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 hansaction 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 Bally balance for each Transaction Category by its daily periodic rate. We do this for each day in the billing period. This gives us the interest charges for each Transaction Category. To get a daily periodic rate, we divide the APR that applies to the Transaction Category by 365, • We add up all the daily interest charges. The sum is the total interest charge for the billing period. How We tirclude Fees We add Balance Transfer Fees to the applicable Balance Transfer Transaction Category. We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Subject to tnferest Rate. Your statement shows a Balance Subject to Interest Rafe. It shows this for each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance, the amount is shown on the kont of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after 6 months, or as otherwise required by applicable law. For TDD (felecommunicotions Device for the Deaf) assistance, please call 1.800.347-7449. Discover may monitor and/or record telephone calls between you and Discover representatives For quality assurance purposes. The Discover card is issued by Discover Bank, Member FDIC RZNFEOOi Questions? vjsit www.Discover.com or p~SC~VER call 1-800-DISCOVER ~1-800-347-2683. Naw Balance Minimum Payment Due Account Number ending in 9139 ~~SC~VER SO.oo $3,103.00 Enler Amount Enclosed Below Payment Due Date December 25, 2011 30 SOSNBA010Dt3672 KENNETH GENTRY 22 ASHBURG DR MECHANICSBURG PA 17050-8203 Text APP to DISCOV' to receive a Ilnk to our free mobile app and pay your bill in seconds from anywherel PO BOX 6103 ~~~nr~~uur~~r{~ur~nr~~ CAROL STREAM IL 60197-6103 Address,e-mail or telephonechange2 ~r~~ii~~uuu~~~i~ri~ni~r~~rr~n~~~~mu~~~~~um~~n~n~~ Go to www.Diseover.com or print change in space above. OOOOOZ98b458932953553000000000000000310300 Yore: novemoer t i, w ~ r • a.wsrny vare: ~. Discover More Cnrd Account Summary Account number ending in 9139 ~ Previous Balance $15,753.91 Payments And Credits 15,753.91 Purchases + 0.00 Balance Transfers + 0.00 Cash Advances + 0.00 Fees Charged + 0.00 Interest Charged + 0.00 New Balance -0.00 See Interest Charge Calculation section folbwing transactions for detailed APR information Credit Line $15,500.00 Credit line Available $0.00 Cash Advance Credit line $7,300.00 Cash Advance Credit Line Available $0.00 ovem~er sv, iv t t page 1 of 2 '~ Payment inFormation New Balance $0•~ Minimum Payment Due $3,103.00 Payment Due Date December 25, 2011 late Payment Warning: if we do not receive your minimum payment by the date listed above, you may have to pay a late fee of up to $35.00 and your purchase and balance transfer APRs for new tronsadions may be increased up to the Penaby APR of 29.99% varlabb. Manage Your Account Online at www.Discover.com • Securely access statements and Fres online tools, pay bilLg online and track aril view all transactions simply and easily • Make your money wo>ih moreSM-find easy ways to earn and redeem cash rewards • NEWT Access your account securely through your mobile phone 3 Easy Ways to Contact Us 1. Access your account securely at www.Discover.com 2. Call 1-800~15COVER (1-B00-347-2683 Please have your Discovsr®card availab . 3. Wrifa to us at Discover, PO Box 30943, Salt Lake City, U7 84130 {Not o payment address) For payments, please send to address on remittance or Discover, PO Box 6103, Carol Stream, IL 6 0 1 97-6 1 03 For TDD (Telecommunications Device for the Deaf) assistance, please call 1-800-347-7449. Opening Cashback Bonus Balance New Cashback Bonus This Period Cashback bonus Balance To learn more, b9 in at vnww.Dietover.com Anniversary Month October $ 0.00 _ + ~ __ 0.00 $ 0.00 Transactions Tram. Pa=t Date Dab Payments and Credits Nov 30 Nov 30 INTERNAL CHARGE-OFF $ -15,753.91 Fees TOTAL FEES FOR THIS PEROD $ 0•~ Inbreat Charged TOTAL RdTERE57 FOR THIS PERIOD $ 0•~ -2011 Totals Year-to-Date TOTAL FEES CHARGED IN 2011 $ 60.00 TOTAL INTEREST CHARGED IN 2011 2,128.17 NOTICE: SEE REVERSE SIDE FOR IMPORTANT INFORMATION ~~,7~;~VER r ___-. ?I Paperless statements mean less clutter, more convenience ~ r Easily access up to 24 months of downloadable, password protected statements. • See your statement as soon as it's available rather than wait for it to arrive in your mailbox. ~ i ~ • Get helpful poyment reminders through e-mail or text messages on your mobi{e phone. • Print o paper copy of your statement anytime. • Sign up today at Discovertom/paperless ®2010 Discover Bono, Member FDIC PAPER,0310 ~ m v w z m D o_ 0 0 rv m v N N X Questions? visit www.Discover.com or call 1-800-DISCOVER > 1-800-347-2683). ~~rJC®VER DISCOVER' trp°yi1O ~ ~ KENNETH GENTRY ~ Account number ending in 9139 page 2 of 2 Interest Charge Calculation Your Annual Percentage Rate (APR) is the annual interest rate on your account. Currant Billing Period: t0 days ERCENTAGE TYPE Of BAllWCE ~ ~ E B~ ECT TO INTEREST CHARGE p E ~ ST RATE Purchases 25.24% V $0 $0 Past Furchases 28.26% V $0 $0 Cash Advances 29.99% V $0 $0 V = Variable Rata Addhional knportarrt krformotion Sea your Cardrrrsmber Agreermrrf. Your Cardmembar Agreement contains all the terms of your Account. Lost ar stden asrds. Report immediately! Call 1-800-347-2683. What To 1>o if You Think You find A Mistake On Your Statement IF you think there is an error on your statement, write to us at: Discover, PO Box 30421, Sah Lake City, UT 84130.0421. In your fetter, give us fire following information: • Account in(armation: Your name and account number. • Dollar amount: The dollar amount of the suspected error. • Dascn ~tiort of Problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe rt is a mists ca. You must contact us within 60 days okar the error appeared on your statement, You must notify us of any potential errors in~~writtrr ~.You may wll us, but if you do we are not required to investigate any potential errors and you may haws to pay tie amount rn question. While we investgate whether or not there has been an error, the folowing are hue: • We cannot try b collect the amount in question, or report you as delinquent on that amount. • The charge in question may remain on your statement, and we may continue to charge you interest on that amount. But, if we determine that we made a mistake, you will not have to pay the amount in question or any interest or other fees related to that amount. • While you do not have to pay the amount in question, you are responsible for the remainder of your balance. • We can apply any unpaid amount against your credit limit. Your Riahts H Yov Are DissaBstied W:th Your Credit Card Purchases If you are dissatisfied wkh the goods or services that you have purchased with your credit card, curd you have tried in goad 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 musF have bean 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 on advertisement we mailed to you , or if we own the company that sold you the goods or services. j 2. You must have used your credit card For the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card accounf do not qualify. 3: You-must riot yet have fully paid forthe purchase. - IF nll of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at: Discover, PO Box 30945, Salt Lake City, UT 84130.0945 While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe on amount and you do not pay we may report you as delinquenf. Payments. Yov may ail or part of your Account balance at any time. However, you must pay at least the Minimum Payment Due by the f~yment Due Date. Send only your payment and the top portion of this statement in the envektpe provided. Do not send cash. Byy sanding your check as described above, you authorize us to use information on your check to make an eleehonic fund hansfer from your account at the Rnancial institution indicated on your cheek or to process the prryment as a check transaction. If pa ent is processed as an electronic fund transfer, the transfer will be for the amount of the check. When we use information tram your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day we receive your payment, and you will not receive your check back from your financial institution. The processing of your payment may be delayed if you send cash, correspondence or other items with your payment, if you send the payment o airy other address or if you use an emrelope other than the one provided. Payments recerved m proper form aF our processing facility by 5PM local time on any day will be credited to your Account as of that day. Payments received at our processing facility aher 5PM kxal 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,lL 60197.6103. Please allow 7.10 days for delivery. lF your payment is returned unpaid, we reserve the rig~rt to resubmit it as an elachonic debit. NOTfCE: SEE REVERSE SIDE FOR fMf'ORTANT iNFORMATfON D~s' _VL~ - - ---:~~ You can pay your monthly Minimum Payment Due, or a greater amount that does not exceed your current Account balance, over the telephone or you can setup automatic payments through a customer service representative by calling 1.800.347-2683. Automatic poymerrts will be deducted on the Payment Due Date unless you request a recurring payment date {e.., the 15th day of the morrth) that occurs before your Payment Due Date. IF your scheduled payment date falls on a weekend or bank holiday, your payment will be processed the business day prior to the weekend or bank holiday. In order to schedule monthly payments b telepphone, you wrll need this statement and your bank account information. You will be asked fo provide the last Four (4~digib of the social security number of the primary borrower. By providing those numbers as your electronic signature, you will be agreeing to this authorization to allow us and your bank to deduct each Pa ant you authorize, in the amount selected by you, from your bank account. You also authonze us to initiate debit or credo enfries to your bank account, ns applicable, o corcect an error in the processing of such payment. You can cancel a scheduled payment by phone at 1-800.347-2683 or by mail at Discover, PO Box 30421, Salt Lake Cify, UT 84 1 30-042 1; however we must receive notice df (east three business days in advance of the scheduled payment. If your payments may vary in amount, we wiU tell you on each monthly billing stcstesnent when your payment will tea made and how much rt wiA be. You must ensure that sufficient Funds are available in your bank account, and all transactions must comply with U.S, law. You can set automatic payments for: {i) statement New Balance, jii) statement Minimum Payment Due, (iii) statement Minimum Payment Due plus a fixed dollar amount, or (iv) a fixed dollar amount. If your scheduled fixed payment is not enouggh to cover the Minimum Payment Due as listed on your monthly billing statement, your scheduled payment For that month will be increased to cover the Minimum Payment Due. IF the scheduled payment rs greater than the Minimum Payment Due, any excess will be appplied in accordance with your Cardmember Agreement. Ifgyour scheduled payment is greater than the New Balance on your billinngg statement, that payment will be processed only for the amourrt of your New Bofance. Your automatic payment amount maybe less than the amount indicated on the pail rc statement based on credits or payments after the Closing Dafe. If you enroll by phone in our automafie payment service, please fill-in the following blanks below and retain the authorization for your records. Amount: ^ Full Pay ^ Min Pay ^ Min Pay + $ ^ Fixed Pay$ , Bank Routing #: ;Bank Account #: ;Frequency: Credit Reporting. W e may report informaflon about your Account to credff bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report. We normally report the status and Payment history of your Account to cr®dit reporting agencies each month..If you believe that our report is inaccurate or incomplete, please write us at the following address: Discover, PO Box 1531 b, Wilmington, DE f 9850.531 b. 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 pcrying interest on Purchases as described below. However, you cannot avoid paying interest on Balance Transfers or Cash Advances. How to Avoid Paving Interest on Purchases f"Grace Period") l~you- p~he 1Tew a once on your previous i ing statement by the Payment Due Dafe 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 Date on your current billing statement. New Purchases are Purc{roses that lust appear on the curcent billing statement. How We A I Pa ants Ma fm ct Your Grace Period you o not pay your ew a ante in eat mi~ont i~, t7ien, depending on the balance to which we apply your payment, you may not get a grace period on new Purchases. How We Calculate Interest Charges -Daily Balance Method (including current transactions): We calculate interest charges each billing period by first figuring the "daily balance" for each Transaction Category. Transaction Categories include......... standard Purchases, standard Cash Advances and different promotional balances, such as Balance Transfers. How Wa Figure the Deify Balance for Each Transaction Category • We start with the beginning balance for each day. The beginning balance For the first day of the billing period is your balance on the lost 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 tea posted to your Account. • We subtract any new credits and payments. • We make other adjustments {including those adjustments required in the "Paying Interest" section). How We Figure Your Total Interest Charges • We multiply the daily balance for each Transaction Category by its daily Periodic race. 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 fo the Transaction Category by 365. • We add up all the daily interest charges. The sum is the total interesF charge for the billing period. flow We Includo Fees We add Balance Transfer Fees to the applicabb Balance Transfer Transaction Category. We add Cash Advance Fees to the applicable Cash Advance Transaction Category. We add all other fees to the standard Purchase Transaction Category. Balance Sub'lect ro Interest Ra-e. Your statement shows a Bofance Subject to Interest Rate. It shows this For each transaction category. The Balance Subject to Interest Rate is the average of the daily balances during the billing period. Credit Balances. If your Account has a credit balance, the amount is shown on the front of your billing statement. A credit balance is money that is owed to you. You may make charges against this amount if your Account is open. We will send you a refund of any remaining balance of $1.00 or more after b months, or as otherwise required by applicable law. For TDD (telecommunications Devito for the Deaf) assistance, please call 7.800.347-7449. 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 Rzn:FEOOt QU@S~IOFfS~ Visit www.Discover.com or ~lSC~VER call 1-800-DISCOVER (1-800-347-2683).